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

Pulled up a copy of my credit report and seen there were some accounts that are not mines and will need them removed. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. The following accounts in dispute are listed below XXXX  XXXX XXXX XXXX XXXX XXXX Additionally, I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX XXXX XXXX XXXX XXXX to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to XXXX XXXX XXXX XXXX XXXX XXXX XXXX is to only be revealed with the patients authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPPA authorization. 
1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you.

I have a copy of my Drivers Licenses and Social Security Card for verification purposes. Please notify me that the above items has been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. 

Please delete the address and multiple name spelling XXXX XXXX XXXX XXXX XXXX Texas I never lived there
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive put I. Multiple disputes with Experian regarding XXXX XXXX personal loan reporting 60 days past due XXXX - XX/XX/XXXX. I submitted documentation provided loan details never late. However its was removed from the Experian profile so how it reporting again as 60 days past due which its hurting my credit score. This negative information is impacting my credit worthiness. I spoke to a supervisor on XX/XX/XXXX her name is XXXX reference # XXXX. She open another dispute with XXXX XXXX. This the 6th dispute within a year.
Product: Money transfer, virtual currency, or money service

My partner had his IRS refund set up to deposit into my account. XXXX XXXX  and IRS website both say it was deposited/funded into my account on XX/XX/year>. Chime is saying its not there and there is no record of it. My partners money is just now missing?!? We also have a trace # that says it was sent to chime to be deposited. 
Yet someone told me thru chat help it was under a manual review. Then I spoke to someone on the phone thru chime and they have no clue what Im talking about saying its not there.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 ) ( 1 ) 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: Mortgage

Shellpoint servicing is threatening to foreclose and Im only one month behind. They wont allow me access to my online account unless I agree to harassing phone calls and text messages. This company is bullying me, wont allow me to put my overpayment to principle unless I do it online. And constantly adding fees to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2019, I have been trying to repair my credit and clear my credit report of any false accounts. 

My first letter was sent to XXXX  certified mail receipt number : XXXX XXXX XXXX XXXX XXXX. 

My next letters were sent on XX/XX/2019. On that day I sent a letter to XXXX  asking their method of verification in " verifying '' the accounts on my report. I also sent letters to XXXX  and Experian certified mail receipt numbers XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, respectively. I also sent letters to two creditors asking for validation of the debt they say I owe them. I sent XXXX XXXX XXXX a letter certified mail receipt number XXXX XXXX XXXX XXXX XXXX, and I sent XXXX XXXX XXXX XXXX a letter certified mail receipt number XXXX XXXX XXXX XXXX XXXX. The two collection companies were unable to validate my account and the bureaus did delete those accounts from my report. 

I then sent letters on XX/XX/2019 to the bureaus, as well as, the bankruptcy court that is listed on my report. The bureaus have said they have verified the bankruptcy shown on my report with the bankruptcy court itself certified mail number : XXXX XXXX XXXX XXXX XXXX. In the letter I sent to the bankruptcy court, I asked them if they report to the bureaus. I received a letter back from them stating that they do not report or verify anything to the bureaus, which proves they are lying. I also sent a letter to XXXX, XXXX, and Experian stating that the court does not verify anything with them. 

On XX/XX/2019, I sent a letter to XXXX  and Experian. The letter I drafted was a basic dispute letter I wanted to send so I could include the response I had received from the court stating I know that they don't get information from them. I sent those letters certified mail number XXXX XXXX XXXX XXXX XXXX to XXXX  and number XXXX XXXX XXXX XXXX XXXX to Experian. I also sent letters to the collectors that now hold two new  collection accounts that have been placed on my report. I recognize neither, so I inquired for validation of the account and debt they say I owe. I sent a letter certified mail receipt number XXXX XXXX XXXX XXXX XXXX to XXXX XXXX XXXX, and a letter certified mail receipt number XXXX XXXX XXXX XXXX XXXX to XXXX XXXX XXXX. I have yet to receive a response from either of those collections agencies even though it has been well over 30 days. 

The bureaus and the collection companies XXXX XXXX XXXX and XXXX XXXX XXXX have broken the law regarding my right as a consumer to work on repairing my credit. You can view every letter I mentioned above attached down below.
Product: Credit reporting

Tran union is allowing XXXX XXXX XXXX XXXX report to my credit file this is a unverified debt an update in there credit XXXX is not what I am talking about this account was placed in collections I want to know why XXXX XXXX is allowed all total this account is being report 4 times it was reported with a XXXX balance and needs to be removed No dispute needs to be opened this account needs to be removed
Product: Student loan

In XXXX I learned that I had a private student loan that had been opened since XXXX. From what I remember the lender was XXXX XXXX. The lender informed me that the statements/phone calls had been going to my mom house. They sent me a copy of the promissory note and I immediately notified them that it was fraud. It was my moms handwriting and we had never discussed nor did I sign a loan application. I was told I could not claim fraud because I benefited from the loan ( I disagree ). Immediately after my wages were garnished & I was told the only way to stop the garnishments were to set up a payment arrangement. I informed them that I could not afford the amounts and was told too bad. I could not maintain that payment plan as I told them. I called in XX/XX/XXXX after receiving an email from Texas Higher Education Coordinating Board and was told my account had been sent to the Attorney General. XXXX XXXX, at the Attorney Generals Office told me I could either pay $ 3700+ immediately ( despite me actually reaching out to him ) or accept a garnishment. I told him that if I had absolutely no other option I had nothing to hide from a Judge hearing my case and about the fraud. He coerced me into expiditing the lawsuit without telling me that the Judge wont care about the fraud, almost always rules in the Attorney Generals favor, and that it be nearly impossible to find an attorney to represent me because of that. Also, he nor XXXX XXXX XXXX never told me that they were representing THECB/XXXX XXXX only and not a mutual party and strong armed me into making legal decisions that were detrimental to me and my case. I still maintain that this is fraud yet Im told its a family matter and I still have to pay. The suit has been filed but now Im given the option to enter into a payment plan or face imminent garnishment. This matter could have been resolved years ago had they considered that it is fraud yet Ive continued to be bullied into paying a debt that I didnt apply for or know about.
Product: Credit reporting or other personal consumer reports

this account was a charge off Dates : XXXX, XXXX and XXXX of 2023 for {$3300.00} I requested a copy of their 1099C filed
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ).

Please remove these unverified and incomplete items listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

On XXXX/XXXX/15 my credit score went from XXXX to XXXX due to my credit report showing " a derogatory public record or collection filed. '' I have not been sent anything legally certified in the mail nor have I ever received a judgment from any court.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App due to inadequate customer service and unfair practices, which violates the CFPA. Cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Their dispute process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act and Regulation E. These actions have caused significant inconvenience and financial loss and I seek to appropriate redress for the violations.
Product: Credit reporting or other personal consumer reports

Im disputing first progress account number XXXX, late payments of XXXX, XXXX and XXXX. I asked for documents stating that first progress mailed the due dates to me 21 days before each due date of XXXX, XXXX and XXXX. Im not disputing that I didn't pay the bill on time or didn't pay at all. I'm disputing that first progress violated US 15 1666b by not mailing each due date to me 21 days before each due date of months XXXX XXXX and XXXX. I ask that you request the documents of proof that they didn't violate the consumer law XXXX by sending me proof that I was mailed the due dates 21 days before each month of XXXX, XXXX and XXXX and if not I want my late payments updated to paid on time on TransUnion, XXXX and XXXX of months XXXX, XXXX and XXXX. I would like a copy of the statements proofing that I was mailed a statement 21 days before the due dates of months XXXX, XXXX and XXXX. This is consumer law that the company mails out due date statements 21 days before each due date and no later. Once again I'm not arguing or disputing that I didn't pay on time or didn't pay at all. I'm disputing did the company violate consumer law 1666b by not mailing documents to me 21 days before the due dates of XXXX, XXXX and XXXX. I need proof shown.
Product: Debt collection

I have been sued by Bank of America and the response to motion for summary judgment, letters to credit reporting agencies and attorney attached. 

1. Trying to Failing to remove negative credit reporting during period required by the FCRA and FDCPA.

2. Failing to provid
e me with legal document that gives authorization for Gurstell Law firm to collect on their behalf. 

3. Purposefully destroying the application audio after a dozen complaint calls to fix the interest rate charged.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with ; 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( b ) Statement of dispute. If the reinvestigation does not resolve the dispute, the consumer may file a brief statement setting forth the nature of the dispute. The consumer reporting agency may limit such statements to not more than one hundred words if it provides the consumer with assistance in writing a clear summary of the dispute.

I am allowed to provide a statement explaining my dispute ( up to 100 words ). This clause does not state what the content should be, and 100 words is not enough to explain the fraud that has been committed by the XXXX. related to this item on my credit report. I have instructed Equifax to provide the following link to explain my position and the truth of this fraud. 

This amount is in dispute, visit " XXXX XXXX XXXX '' for a full explanation. 

Equifax has refused to add the statement I have provided in accordance with my rights under the paragraph of the act mentioned.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XX/XX/year> To whom it XXXX concern, On day XX/XX/year>, I looked at my report. I sent a letter to Transunion on day XX/XX/year> asking them to reinvestigate these accounts : XXXXXXXX XXXX XXXXXXXX, and here is my tracking number : XXXX On day XX/XX/year> they sent me their investigation and said these accounts are complete and accurate. 
I looked at my report and noticed everything is still the same and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681eb they are supposed to ensure this b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

And according to 15 USC 1681s-2 this os suppose to happen ( A ) Reporting information with actual knowledge of errors 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 ( i ) the information is, in fact, inaccurate. 
Transunion really did not reinvestigation they lied on an offical document saying they did something they did not do and I have evidence to prove my case
Product: Checking or savings account

I decided to take advantage of a promotion w/Citibank in XXXX of 2018. The promotion requirements were to deposit {$15000.00} within thirty days of account opening and maintain the balance for sixty consecutive calendar days following. Ninety days after this requirement was met, Citibank was suppose to deposit the {$400.00} bonus. They did not. I have contacted them and am getting the run around. To follow is a timeline of my account activity. 

XX/XX/18 Opened Checking and Savings Account ( See XXXX Citibank Acct Opening Application.pdf ) XX/XX/18 Deposited $ XXXX ( See XXXX Statement.pdf ) XX/XX/18 Met 60 day requirement ( See XXXX Statement.pdf ) XX/XX/18 Bonus was too be paid. It was not. 

XX/XX/18 Called to inquire about why I hadn't received my bonus. Was transferred a few times. After 45 minutes, a supervisor named 'XXXX ' said she opened a case. She said it would be resolved within 48 hours to which I received written communication confirming. ( See XXXX Notice.pdf ) XX/XX/18 Still no bonus and no follow up. Called again to inquire. Still no answers. Another 45 minute call resulted in a supervisor named 'XXXX  ' stating he had escalated the matter but didn't know when it would be resolved. He had no answers. I let him know this was unacceptable. I then asked for instruction on how to file a complaint. XXXX was very reluctant to provide this information stating he had done so for me. 

I find this all unacceptable. It is simply a matter reviewing my banking activity to see that I met the requirements for their promotion. They are giving me the run around.
Product: Debt collection

XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Subject : Request for Removal of Paid Account Dispute Under 15 U.S. Code 1692 Dear XXXX, I am writing to formally dispute the reporting of an account that I have paid in full. This letter serves as a request for the removal of this account from my credit report under the Fair Debt Collection Practices Act ( 15 U.S. Code 1692 ). 

The details of the account in question are as follows : - Account Number : XXXX - Original Creditor : XXXX  XXXX, XXXX. 
- Amount Paid : {$480.00} - Date Paid : XX/XX/2024 I have attached documentation confirming that this account was paid in full, including receipts and any relevant correspondence. Under the Fair Debt Collection Practices Act, I have the right to dispute any inaccuracies in my credit report, and since this account is marked as outstanding despite being resolved, it is inaccurate and potentially damaging to my credit profile. 

I kindly request that you investigate this matter and remove this account from my credit report. I would appreciate your prompt attention to this matter and a written confirmation of the removal once it has been processed. 

Should you require any additional information to facilitate this process, please do not hesitate to contact me at the phone number or email address listed above. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX Attachments : - Proof of Payment
Product: Credit reporting or other personal consumer reports

I have contacted you in 2 previous letters asking for investigation and reinvestigation into the accounts listed. Both times they have been verified and updated with no supporting evidence to show why after I requested it. I have attached the letters. 

This account was charged off in XXXX of XXXX. Since then the account has repeatedly been updated as " charged off '' every month. This is an update in payment history. A charged off account should NOT include any active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my consumer rights. I am demanding a deletion of the following account to remedy this violation of my rights : ACCOUNT : XXXX XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXXK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've looked at my report and don't recognize these injuries. 
XXXX XXXX XXXX XXXX XXXX XXXX ( was only authorized once ). They have like 15 unauthorized inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX The ones below are unauthorized. I went to a dealership that was supposed to do in house financing. The share my information without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX