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

By law, the credit bureaus are to have the original contracts as verification of a debt before placing them into my credit report. I have tried to contact the following companies and the credit bureaus to show proof of the original contract and they all have failed to do so. By law, if the credit bureaus and debt collecting companies fail to hold the original contracts or proof that they verified the debt with the original contracts before placing them onto my credit report, they must delete the debts from my credit report. 

After requesting my credit report in order to fix my credit while I am currently unemployed and going to school full time, I have contacted the following debt collecting agencies in order to correct the errors that I found. 

XXXX XXXX XXXX XXXX XXXX. 
I sent them a correspondence on XX/XX/XXXX to VALIDATE the debt.

The only correspondence I received from them was a Pre-legal notification on XX/XX/XXXX. They have yet to send me anything that I requested from them per the Fair Debt Collections Practices Act, as well as the they have not indicated to the bureaus, XXXX and Equifax, that the account in question is under dispute and is to be removed or cease from reporting the information until full validation has been completed. 

XXXX XXXX XXXX XXXX I sent a correspondence to them on XX/XX/XXXX to also the debt in question.

They responded XX/XX/XXXX with a final bill statement which under the Fair Debt Collections Practices Act is NOT validation of a debt. They failed to remove or cease from reporting the information until full validation has been completed which they still have not shown proof of the original contract, per the FDCPA. 
They sent another correspondence on XX/XX/XXXX stating that theyve returned the account back to XXXX XXXX XXXX XXXX but still has failed to remove their information from my credit report. 

XXXX XXXX XXXX XXXX I sent a correspondence on XX/XX/XXXX to also validate the debt.

Their correspondence on XX/XX/XXXX was simply another billing statement, they have failed to provide any proof or original contract of the debt in question and have not removed or cease their reporting onto my credit. 

I hope this helps in any way to stop fraud and to stop these companies from doing thing illegally as they are not following the law on their actions. Thank you for your time.
Product: Money transfer, virtual currency, or money service

Having issues linking to my pnc account
Product: Debt collection

XXXX XXXX. Sold my information to a 3rd party Debt collection agency without my knowledge. 2. The debt that is said owed is incorrect. 3 The account has been charged off since XX/XX/year> so the information is incorrect. 

By Law and under the Fair debt collections practices, Citi Bank N.A has violated all practices involving collecting a debt. By sharing my information with debt buyers. 

Citi bank N.A. has also violated Taxation evasion. By Law if this account was charged of whether bad debt or discharged it should have been reported to the IRS in XXXX of XXXX. 

As a consumer and tax payer i am obligated to report all charge off or discharged debt as income to the IRS. As I did. 

Citi bank has violated this consumer by breaking the laws of FCRA, Bills of exchange, Tax laws of the US.
Product: Credit reporting or other personal consumer reports

I was really upset to find unauthorized inquiries on my credit report this morning, and I dont know how they appeared. I check my credit report regularly, but this time I found discrepancies that I cant explain. I even tried refreshing my browser, thinking it might be a glitch, but the unauthorized inquiries didnt disappear. Im very concerned about this, and Im requesting a thorough review of the documents Ive sent so I can stop worrying about this issue.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C 1681s-2 ( A ) ( a ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Public Record on my credit report for a bankruptcy that does not belong to me. US BKPT CT TX XXXX XXXX. I contacted the court about this public record and they told me that they do not have any record under my name and they also informed me it is the policy of all bankruptcy courts to not report any information to the credit bureaus. They also mailed me a letter explaining no record and the court policy on reporting to bureaus. I then contacted XXXX XXXX and they sent me a letter that I have attached that they can not find a record as well. I demand that you remove the bankruptcy since you are willfully and knowingly providing false information and therefore are in violation of the Fair Credit Reporting Act. You have 30 days to remove the bankruptcy from my credit report or I will file a lawsuit with the federal district court in my area.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018. Action equifax drop my score by 13pts today with no reason. It was an instant drop over a 12 hour timeframe
Product: Credit card

Caesars Rewards, Comenity My payment was due on XX/XX/XXXX. They received my payment ( via my banks online payment ) and deposited it on XX/XX/XXXX, the day that my bank shows it being deposited. 

It was deposited XXXX days early. However, they still charged me the {$40.00} late fee. When I called to complain, the agent told me they had a computer glitch that day and that it was done in error. For some odd reason, there was no interest charge associated with the late fee. 

The agent deleted the late fee charge of {$40.00}. However, he said that if my payment was late again, they would reinstate the previous late charge that was applied illegally. This whole process is beginning to stink. They were quick to blame the " computer '', but at the end, tried to blame me and threatened me with it being reinstated ( agents words ).
Product: Money transfer, virtual currency, or money service

i need all my money sent back to my cash app im very disappointed in this all that momey was for my bills so i need a refund for all of it
Product: Debt collection

I found out yesterday morning that this company was tryin to sue me for a alleged debt. And possible jail time!! I have never received any letters or anything!! Also, XXXX XXXX is leaving threatening voicemails!! And later on yesterday afternoon tht same company called my brother tht i haven't spoken too in 8 yrs & threatened to come by his house to locate me!! I have no idea how they got his information. The first file i uploaded is the voicemail the company left my brother yesterday. The second file is the voicemail they left me today.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding the inaccurate reporting of an account by XXXX and Equifax. The disputed account pertains to an installment auto loan ( Account Number : XXXX ) with the following discrepancies : XXXX : Date of Collection/Chargeoff : XX/XX/XXXX Unpaid balance reported as a loss by the credit grantor. 
Inconsistency in reporting the account status. 

Equifax : Date of Collection/Chargeoff : XXXX Consumer disputes - reinvestigation in progress. 
Discrepancy in the reported high credit and original charge-off amount. 
Lack of clarity on the resolution status. 

I have diligently disputed these inaccuracies multiple times over the past two years, in accordance with my rights under the Fair Credit Reporting Act ( 15 USC 1681 ). Specifically, 15 USC 1681 section 604 ( a ) ( 2 ) asserts my right to privacy, and 15 USC 1666b stipulates that a creditor can not furnish an account without my written instructions. 

Despite my efforts to rectify these inaccuracies, both XXXX and Equifax continue to update the information with further errors, violating my rights as a consumer. I kindly request your intervention to address this matter promptly and ensure the removal of the inaccuracies from my credit report. 

Thank you for your attention to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has knowingly furnished inaccurate information on my consumer report. Although proper dispute procedures were followed. The medical collection accounts are still being furnished in delinquent status despite me not validating the alleged information reported. Account XXXX XXXX has provided Experian with second hand information. Experian did not do their due diligence by conducting the investigative consumer report. According to 15 USC 1681 the investigation procedures must include personal interviews with neighbors, friends or associates who has first hand knowledge concerning the XXXX accounts being reported on behalf of XXXX. I am demanding the proper validation for these accounts. XXXX did not give me the opportunity to dispute this information prior to transferring this account to Experian for reporting purposes. Experians negligence have caused a grave error on my report. That has made it hard to extend credit as a protected consumer. My right to privacy was breached purposely because the original Creditor, XXXX and Experian refused to disclose my right to opt out of reporting and validate information before tainting my reputation, character and credit worthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am, XXXX XXXX XXXX, a natural-born life breathing consumer submitting this complaint to EXPERIAN INFORMATIONS SOLUTIONS, INC and there is no third party involved. EXPERIAN INFORMATIONS SOLUTIONS , INC has violated 15 U.S. Code 1681b ( 2 ) by furnishing these inaccurate items on my consumer credit report WITHOUT MY WRITTEN INSTRUCTIONS OF I, THE NATURAL-BORN CONSUMER. I DEMAND REMOVAL/DELETION effective immediately and I DEMAND A COPY OF MY WRITTEN INSTRUCTIONS WITH A WET SIGNATURE. These items are inaccurate and different among all three credit reporting agencies. ( EXHIBITS PROVIDED ) I ALSO, DEMAND EXPERIAN INFORMATIONS SOLUTIONS, INC VERIFICATION METHOD. WITHOUT RECOURSE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with XXXX XXXX XXXX XXXX to which I underwent a " short '' period of no income. I'd owed the bank {$750.00} to which I paid in full XX/XX/2020. They had charged it off in XX/XX/2020. After paying they'd indicated that everything is fine and I would not have a problem with opening up another account. I tried with them, they refused. I tried with other banks and was turned down. I was told that XXXX had not requested the balance to be removed from XXXX. I have writtent to XXXX and XXXX letting them know this is causing me harm as I am being held " hostage '' over a debt already paid in full. They, XXXX as even provided me with a letter indicating the account has been paid in full. Then why haven't they removed it completely. In my earlier years when owed a debt to a bank, once it was paid, it was then removed from XXXX. XXXX told me that the bank has to request it to be removed. I need to open another bank account and can not do so with this remaining on my credit report. Why is that people make it so hard for other people, who may not be an excellent steward of finances, try to get things right again? Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$3300.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Checking or savings account

Bank of America has debited my checking account XXXX putting it in the negitave of course. All I get is something about fraud being investigated, just two weeks prior I reported a double charge from XXXX XXXX. I'm frozen out from my account and freaked ... every penny I have is there. Thanks for any help XXXX XXXX
Product: Money transfer, virtual currency, or money service

There is a web sale site XXXX XXXX XXXX which sells tools and other items and mode of payment was paypal. Since the payment is though paypal, I assumed pay pal do some fact check to for the company when they register with paypal. After paid money through paypal for the item, I did not get the item ordered. I reported the issue to Paypal and paypal says they can not do anything to this since they are only do payment transfer and take commission and don't care about service or product ordered. 
So I want paypal do some fact check so that people not get cheated. Pay pal only interest is increase commission they are getting and the trust of the deal.
Product: Credit card or prepaid card

I placed an order from a website called XXXX in XXXX using my Citi Bank Card. I received the order and it contained an item that I did not order, and item that did not match the sizing description and another item of very poor quality. I contacted the customer service email at XXXX only to have them reply to me that they would offer me {$12.00}, a fraction of what I paid or I could pay to ship all the items back at my cost overseas. They will not provide a phone number to reach anyone at, and will not refund my money or provide a prepaid shipping label. I did not agree to the {$12.00} refund, which is what they did send me and I do not agree that I should have to pay for returning an item that is incorrect, and two other items that one does not match the sizing provided on the website and one is of terrible quality. I filed a dispute with Citi Card ( Dispute number : XXXX XXXX ) only to have them tell me they can't do anything until I send the items back to XXXX. It will cost over {$40.00} for me to send the items back that I did NOT order, that do not fit or match the description on the website and the merchant has no phone number to call and will NOT provide a return label. Citi Card is refusing to protect one of its customers from fraudulent charges from a merchant that fails to send the products ordered and has done a terrible job with it's customer service. Why would I go out of pocket another {$40.00} only to 'hope ' that Citi is actually going to get my money back after I send the items overseas? That doesn't make any sense. The merchant sent the wrong items in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent documents to XXXX  XXXX XXXX ID : XXXX ) and Transunion ( Tracking ID : XXXX ) about a debt from XXXX XXXX that has been " dismissed with Prejudice '' in court case No. XXXX. They received my letter asking for removal that included a letter from the court on XX/XX/2020. I have asked them to remove this account from my credit profile but I have not received any response from them. I have also sent a letter and documents to XXXX ( Tracking ID : XXXX ) but no response either
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under the 15 USC 1681.

TransUnion is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give TransUnion written permission to furnish these accounts. 

XXXX XXXX XXXX - XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX TransUnion XXXX XXXX - XX/XX/XXXX TransUnion XXXX XXXX - XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX - XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX TransUnion XXXX XXXX - XX/XX/XXXX TransUnion XXXX -XXXX TransUnion
Product: Student loan

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under Mohela Dept / of Ed Account/ XXXX Reporting company used report improperly. 
Improper use of credit report Obtained or used for purposes that arent allowed by the law
Product: Credit reporting or other personal consumer reports

I was in Texas and I lost my wallet with all my information inside XX/XX/2024. I sent over XXXX FTC XXXX XXXX XXXX, Equifax and XXXX. XXXX time in XXXX of XXXX & another time in XX/XX/2024. I recently just got into my XXXX this year and notice it was inaccurate and fraud done to my name that I did not give any consent to. Once I did the correct procedures no one answered my reports my letters or anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had reached out to  XXXX  to get an updated copy of my credit report to go over it after my ex had moved out.     I found out that he had take some of of my files and there were some credit reports that were missing. So when i went online to get my free reports, which i have not done in years to look them over and dispute them, i was given an error at  XXXX  advising me that the information provided could not be verified. WHAT INFORMATION? I did n't enter anything.     so when i called and spoke with the Fraud department, they stated that there was not any issues on their end, and that i should be able to order my report. So I tried again, and to avail, NOTHING. the same error. I asked to be to transferred to a supervisor in the dispute department to verify my account, but no one would help me there either. She gave me the run around, about the usua l 24-48  hr bit, knowing that i was just being thrown to the wolves. I am also having this issue with  XXXX  and Equifax where i can not get any of my free credit reports with some type of error stating that my information could not be verified and i would have to phone in my issues. THAT IS UBSURED. All of this drama did not start until someone decided that they would add a fraud alert to all my reports back in  XXXX  of   XXXX  .     All I would like to do is to be able to sign into my accounts, and do what i need to do, and not have disrespectful people talking to me in a rude manner and asking me rude questions. if there is anyone that will investigate this matter and follow up with me I would appreciate it greatly.
Product: Credit card

I made a {$100.00} Cash Payment to Citi Bank for my Credit Card payment on XX/XX/XXXX at XXXX at ATM XXXX inside the Citi Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NV XXXX. I never got a receipt & the Cash payment was not posted. They have Camera 's so they can see that the ATM took my {$100.00} dollar bill. I called & filed a complaint & now i receive a letter saying they need more info. Which is the info i gave them when i called! The person i spoke to wa not from U.S.A. so its not my fault they are using Employees that do not understand Americans! Do your job & look at the Camera & count the Money to see your ATM took my XXXX XXXX XXXX & stop asking XXXX questions. Use American Citizens to handle these problems so we are not frustrated for the problems with your Faulty ATM!
Product: Debt collection

I filed for bankruptcy XX/XX/2016 and it was discharged XX/XX/2016. This company was notified in writing, email, faxes, and mail that this was the case and that they are not a non-profit institution nor a government agency which means that the loan is dischargeable in bankruptcy. They were instructed to contact my attorney in all communications. In XXXX of this year, I filed a complaint with the CFPB and they stated that they would contact my attorney. They have failed to contact my attorney at any point in time. They continue to claim that the loans are due and have posted negative items on my credit report since my bankruptcy.