23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Acct # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card

Dear Chase Bank, I am submitting a claim on my credit card because I have been scammed. I was lead to believe they were going to try to help me with a Federal Grant. I was going to try to help out my sister because she has been out of work for several months, help my son get on his feet with a business, help pay on my credit cards because I have been helping my son and daughter out, etc. This company has pulled funds from my credit cards to show that I my credit cards are exalted. They have pulled funds with the following information and dates : XXXX/XXXX/2016 XXXX XXXX XXXX {$5000.00} XXXX/XXXX/2016 XXXX {$2000.00} Please reverse these charges as I do not except these charges. Please Help Me.
Product: Debt collection

Summary : XXXX XXXX was negligent in the handling of XXXX XXXX forms needed to have tuition payment submitted to the accounting department within a timely manner, which ended-up having them take a strong collection against me and utilizing a collection agency that is not licensed in Florida where I reside ; over an incident that occurred during the fall of XXXX. Additionally, the business office of XXXXXX/XX/XXXX is now, which I believe, is trying to cover-up that collection because they submitted to XXXX XXXX on XX/XX/XXXX the deferment letter I sent to them during the fall of XX/XX/XXXX, which was a requirement of XXXX XXXX. The representative, XXXX XXXX, Recovery Specialist Business Office, Direct Line : XXXX, called me on XX/XX/XXXX to let me know that she was authorized to reduce my debt by {$200.00} off the {$1900.00}. She also stated that she would call-back XXXX  XXXX XXXX to avoid any further collection from them. As of XX/XX/XXXX, my collection report shows that the balance of {$1900.00} is still being reported by the collection agency, with a new update on XXXX that was reported XX/XX/XXXX. 

My earlier conversations, which extend back more than a year or so, have argued with the business office that I was demanding the school take responsibility for the mishandling and negligence of my XXXX XXXX Form that would have allowed the school to receive payment for the Fall Semester, especially when there was money available on my XXXX XXXX account. The school refuses to admit fault. 

On XX/XX/XXXX, a call was placed to XXXX at XXXX XXXX, which I had left a message on her voicemail with my findings on how I thought it was odd that her department would send over the Deferment letter to XXXX XXXX on XX/XX/XXXX. I also stated that the collection agency was still reporting and that I was now going to file official complaints against the collection agency and the school for their inappropriate handling of my account and the hardship the collection agency is doing to my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Print complaint OPEN Submitted STATUS Submitted to the CFPB on XX/XX/XXXX Report Number XXXX Date Generated XX/XX/XXXX I did not open this dispute and my account was deleted like what the heck for? And why was it disputed. I was disputing another account that was deleted. I was in the process of disputing another account joint account. I had with the same company that was deleted back in XXXX on XXXX XXXX. Last month with cfpb to have them put my account back on my report. And they went ahead and modified my dispute and added my other account to this dispute and fraudulently deleted it!!! They are liars and abusers and miss using my credit and their credentials. I verified with the vendor myself numerous of times in person and over the phone, and requested the vendors assistance in updating with the beurau back in XX/XX/XXXX and all of XXXX as well. Now Experian puts in a dispute on my behalf with fraudulently and chooses another positive account to cover up their choice to delete something that should have simply been updated. I will sue them if they do not put my accounts back on my reports immediately! and stop making fraudulent disputes and false claims to delete my hard work and worthiness. My account was deleted deliberately and they have yet to respond to my claim regarding the old deleted account but helped themselves to making a new claim for me! What is the reason for thisthere is no reason but to harm me an my report! And protect themselves! This is retaliation and this is not acceptable. The vendor submitted numerous bulls eye reports to validate and verify my accounts paid in full and on time, and no updates have been made only deletes. 
Report Number. 
XXXX Date Generated XXXX XXXX, XXXX Account info Account name XXXX XXXX {$5800.00} Highest balance @ XXXX XXXX XXXX 22 Months On record until XX/XX/XXXX Deleted Report Number Date Generated XXXX XX/XX/XXXX Account info Account name XXXX XXXX Account type Rental Responsibility Joint Date opened XX/XX/XXXX Status Paid, Closed/Never late. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment {$0.00} Original balance {$7200.00} Highest balance {$0.00} Terms 23 Months On record until XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

this is my 2nd attempt I am interested in processing disputes for all of my inaccurate information on my credit report with transunion. checking this info its alot of data that needs to be removed asap. please review an delete the items listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked Experian to do an investigation and it has been more than 30 days and THEY CAN NOT FURNISH ME THE CONTRACT THAT I HAVE BETWEEN THEM but are reporting it on my consumer report as Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXXXXXX XXXX Account Number XXXX In According to 15 U.S. Code 1692g - validation of debts. According to 15 USC 1681 ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681 ( 1 ) the credit bureaus don't have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( it ) the information is, in fact, inaccurate. In I have showed them multiple times of how they are keep violating the Fair Credit Reporting Act. This is hurting my future and I wish someone would hold them accountable for this improper reporting on my consumer report
Product: Vehicle loan or lease

Regarding Santander consumer finance 24 state AG Settlement. 
Santander states my account was overlooked to be included in settlement. 

Account meets all requirements to be included in settlement. 
1. Loan was acquired during time frame ( XX/XX/XXXX ) 2. Loan was charged off within 12 months 3. Defaulted on loan and car was NOT repossessed. 

Information with Santander as follows : Account number : XXXX Name on account : XXXX XXXX Vehicle : XXXX XXXX XXXX Separate complaint will also be filed against Santander consumer for changing interest rate on finance agreement without my knowledge or consent.
Product: Credit reporting or other personal consumer reports

Transunion credit reporting agency has incorrectly lowered my Transunion credit score by 16 points form a score of XXXX lowered incorrectly by XXXX points to XXXX on XX/XX/XXXX. My credit score has been correct at XXXX for over 12 months since XX/XX/XXXX. Now Transunion lowered my credit score from XXXX to XXXX due to a 9 year old closed account 9 years ago XX/XX/XXXX that was paid in full, all payments paid on time. My Transunion credit score is XXXX not XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX  XXXX bankruptcy discharged XXXX XXXX XXXX. XXXX was notified by the bankruptcy court, Experian, and myself of the discharge which includes them as a creditor. Early XXXX XXXX XXXX, I followed up with XXXX legal department to inform them that they're illegally reporting a balance currently being owed and was told that they would update my credit report to show as included in bankruptcy. As of today, XXXX has not resolved this issue and they're still reporting a balance owed. All of this after being provided a letter that I'm no longer liable for the account. 

I've made contact in XXXX and XX/XX/XXXX via Experian and via email XX/XX/XXXX & XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : According to 15 U.S.C 1681 ( 4 ), There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. 15 U.S.C 1681b, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 15 U.S.C 1681c, Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. With that being said, there is no such thing as public information. The consumer has the right to privacy. If I don't want something on my credit report, it doesn't need to be on my credit report because I have the right to privacy. The following is a list of accounts that violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX ; Account # : XXXX, XXXX XXXX XXXX ; Account # : XXXX, XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX ; Account # : XXXX XXXX XXXX XXXX  ; Account # : XXXX
Product: Credit card or prepaid card

Date : XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Account number ending in XXXX Wells Fargo Claims Assistance Center Credit card Fraud Claims P.O Box XXXX XXXX, XXXX   XXXX I am writing to dispute a fraudulent charge on my account in the amount of around {$1900.00} or so, from XXXX XXXX. I am a victim of identity theft, and did not make this charge/ I am requesting that the charges be removed, and that any finance and other charges related to the fraudulent amount be credit back to my account, as well, and that I receive an accurate statement. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

My identity was stolen in XXXX. 
Discover Card allowed and facilitated this identity theft by not verifying that the applicant was not an impersonator. 
I have disputed this with the creditor, but they have their information mixed up and not accurate and they are misrepresenting the facts. 
Such as they claim that i first contacted them to report the theft on XX/XX/XXXX. 
I have a letter dated XX/XX/XXXX, stating that they deactivated my account due to lost or stolen card and they were going to issue a new card! 
I also have a letter from discover dated XX/XX/XXXX, stating that they have started an investigation for identity theft. 
NOT XX/XX/XXXX as they have also misrepresented. 
Discover states that the investigation was completed on XX/XX/XXXX and that the fraud had been removed. 
I have a letter from Discover dated XX/XX/XXXX. The letter states that upon review of the facts of the case, we determined that unauthorized charges have occurred on the above referenced account. The account has been credited these charges and your valid balance has been transferred to a new account. This is another misrepresentation of facts and Discover also lied because they did not remove ANY charges for anything. 
Discover also states that i contacted them on XX/XX/XXXX and provided additional information that caused them to reverse their decision. I have a letter from Discover dated XX/XX/XXXX that states the account is being investigated pursuant to an allegation that it was established fraudulently without your knowledge or authorization. 
Discover Card has not provided me proof that they have a valid application for credit. And their information is inn accurate concerning their investigations!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a out a second letter with proof if identity as well on XX/XX/XXXX to all the credit reporting agencies. However the credit reporting agencies said they completed the investigation and everything was 100 % accurate. XXXX XXXX and Experian has Failed to do a proper investigation and respond back to me. This is not making any sense and is also frustrating when these corporations are for XXXX reporting inaccurate information and for XXXX not removing the information when i ask them to. 

According to the law 15 U.S. Code subsection 1681a Definitions ; rules of construction.

( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. It's well past 30 days. 

I would like to know who did they talk to. 

How did they complete this investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously sent 4 dispute letters over the past 5 months to all three credit bureaus which are TransUnion, XXXX and XXXX, asking them to show me a copy of the Verifiable Proof ( an original Consumer Contract with my Signature on it ) that they used to verify that the account belonged to me. The bureaus responded every time, saying that they verified that this XXXX XXXX XXXX account belongs to me, but the only sent me copies with my signature on it. So I contacted XXXX  XXXX XXXX, to ask them if they can locate a charged off account with my name and account number, in their response they told me that they couldn't locate the account # XXXX associated with my name in their system.
Product: Credit reporting

Equifax deleted Bankruptcy filed on XXXX Between XXXX XXXX and XXXX XXXX, XXXX and then reinserted it without notifying me. It is my understanding that I am to be notified before any debt is reinserted on my credit report. Equifax also re-inserted a Judgment from XXXX without notification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried on multiple occasions to dispute incorrect names on my credit report with Experian, however ; they do not permit you to dispute online when names are involved.. To begin, my name is backwards. My correct name is XXXX XXXX XXXX. The following names do not belong to me, I have never been known by them, and some of them belong to family members of mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

From XXXX XXXX they provided me an incident number XXXX on XX/XX/2023. I never received confirmation that this issue was resolved. I checked XXXX today and see that the debt collection company, I C SYSTEM INC, still hasn't removed the collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  the following accounts violated my rights : XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX  # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I checked my credit report on XX/XX/XXXX via XXXX. The report lists under my Citi Credit Card ( opened XX/XX/XXXX ) states under " Comment '' " Current : XXXX dispute resolved - consumer disagrees '' and Previous : " XXXX dispute resolved - consumer disagrees '' and " Invalid date, Invalid date, Invalid date, Invalid date, Invalid date, Invalid date, Invalid date, Invalid date, Invalid date, Invalid date, Invalid date, Invalid date, Invalid date, Invalid date, Invalid date. '' I have always paid my credit card off in full every month and I am not aware of any XXXX  dispute that was pending or that I disagreed with. I am not aware of any dispute that I have ever raised with Citi that was not resolved in my favor and I am concerned this will impact my credit negatively given it appears to be a false report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed several accounts that reports errors in my credit report with Euqifax, XXXX  and XXXX. All I want is for them to remove it completely from my credit report and establish my credit to have a better financial status. It has been seven months but they did nothing! I am very distressed and I hope you can help me to have them fix this issue. 

First Letter was XX/XX/2020 the second letter was on XX/XX/2020 the Third letter was XX/XX/2020 and the last letter was XX/XX/2020.
Product: Credit card or prepaid card

Started a claim on XX/XX/2022 with XXXX, a travel insurance company contracted through my credit card Chase Sapphire. Our trip was cut short due to the death of my mother in law. We are trying to make claims on costs owed back to us from unused portions of our trip. After being requested to send document after document after document, they will keep coming up with new documents to suddenly " need ''. They are obviously playing the long game to tire us out, because it's been half a year now and they still dont have enough documents after being sent 19 documents, everything covering from flight, hotel, hotel receipt with breakdown of unused portions, proof of death, proof of receiving no credit back from flight or hotel, they still want more. This is a never ending scam and i am demanding the money owed to me be paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

After the XXXX  fiasco back in XXXX, I froze all of my credit reporting agencies. I paid to have them each frozen at that time. Evidently TransUnion released my credit report to an agency, XXXX on on XX/XX/XXXX without my written permission. How XXXX was able to attain my full credit report is quite disburbing to me, especially when I have my Credit Reports FROZEN so that no one has access by any means. 

I called TransUnion on Monday, XX/XX/XXXX at XXXX XXXX. and was told the agent, XXXX from SC that they have an internal policy that we the public are not aware of which states, " According to Federal Laws, there are situations and organizations that are exempt from the credit freeze. Examples include any person using the information for employment, tenant, or background screening purposes. '' This is against the law and an injustice to me while trying to protect my identity and my personal private information ( PII ). It is absurd that anyone can gain access to one 's credit report when it is frozen especially without a person 's permission to attain it. Isn't this " An infringement of my Rights ''? I exercised my right to place a freeze on my credit reports so that no one can get access to it. This is my right under the US Constitution 2nd Amendment that prevents the the federal government from infringing the right and other agencies on me. 

I want to live knowing that no one has a right to my personal private information when I took the liberty to freeze it. 

PLEASE get this fixed ASAP so that this does not happen to me again or anyone else. 

By the way, as an aside, I presented XXXX with the data they needed from the XXXX XXXX XXXX XXXXk and my Bank gave them my credit rating with my permission, NOT a full credit report. 

Respectfully, XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : Please be advised THIS IS MY SECOND TIME contacting this company and my issue has not been resolved. I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA. You claimed to have contacted the original creditor to validated my debt and they responded via US mail in ONE DAY?! Stop the lies! These ungraceful deceiving practices will be documented. 

This company did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. 

The court has ruled that in Hinkle v. Midland Credit Management , Inc., that during a dispute and subsequent investigation with the original creditor, collector or a credit bureau, that the original creditor or collector, must provide account-level documentation that would hold up when presented to a jury. That means an original contract or similar proof. To this end, I am demanding an itemized bill to include but not limited to : The diagnosis and procedure performed that I am being billed for, Dates of said procedure, Cost of any medication you may have provided, Cost of any medical devices you may have provided, Office Visits, Consultations, Hospital Visits, Misc. 
As I am not the person who owes this bill, I am aware that providing the information requested may lead to third party disclosure : a HIPAA violation. That would be your problem and not mines, as a consumer. And per the FCRA and FCPA, I am not required to complete a police report since the burden to prove the debt is on you. 
In addition, a provision of the FACTA regulations is the Notice of Negative Information provision, covered in section 623 ( A ) ( 7 ).

I have never received notification that this had been or was going to be listed with a credit reporting agency. FACTA ( Fair and Accurate Credit Transactions Act ) requires  creditors, including doctors and hospitals, to give the consumer a warning notice, so the matter can be addressed before a negative item such as this is reported in error. 
I am also requesting a copy of your in-house procedures that enable you to avoid the problems that lead to improper identification of consumers and the subsequent misreporting to the credit bureaus. 
In lieu of supplying the information Im demanding, you can simply stop all collection activity, including but not limited to removing this item from all credit bureaus to which it has been reported. If this is not done within 30 days of receipt of this I will proceed to exercise all my legal rights, including litigation, to protect my good name.