23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Have to create new google play accounts to make an in-app purchase to purchase a app license per 5 devices I use a specific app license on. I activate 5 or more devices on this app every a week. So I'm having to start at least 1 new account every week to pay {$24.00} through an in-app purchase. Google is consistantly blocking me from making payments within in-app payments, even after I submit to them my drivers license and photo copies of my credit cards showing proof that it is myself making the accounts and attempting to make said purchase. I've created 7 or 8 google accounts since end of XXXX ... out of those only one of them allowed me to do this in-app purchase without sending my documents in, and out of the other 6-7 accounts, none of them worked for in-app payments even after submitting documents. You have a multi billion dollar company... Your customer support options XXXX more than someone running a company out of their garage.
Product: Debt collection

I am writing to formally dispute an erroneous and fraudulent entry on my credit report. On or around XX/XX/XXXX, I noticed a collection account reported by XXXX. XXXX  XXXX XXXX, with the original creditor listed as XXXX XXXX, XXXX XXXX. The report indicates that I am responsible for this debt as a cosigner for an apartment lease. 

I want to state unequivocally that I have never cosigned for anyones apartment or any other debt with this creditor. This claim is entirely fraudulent. I have been severely ill for the past few years and have been in and out of the hospital battling XXXX. Due to my health condition, I have not been able to engage in any such financial transactions, let alone cosign for an apartment. 

Date collection opened : XX/XX/XXXX XXXX : XXXX This fraudulent entry is causing significant harm to my credit and is adding undue stress during an already challenging time in my life. I request that this matter be thoroughly investigated, and that this fraudulent account be removed from my credit report immediately. 

Please provide written confirmation that this entry has been removed. If you require any additional information or documentation from my end, please do not hesitate to contact me.
Product: Credit reporting or other personal consumer reports

I reached out to Experian 3 times regarding a medical debt with a balance below {$500.00} that they are reporting on my consumer report. This account was not validated and the company XXXX XXXX XXXX XXXX furnishing this information violates HIPAA. I disputed the account with Experian who has never provided me with any verification of this debt upon my request and they have refused to delete this account from my credit report which violates the CFPB regarding unpaid medical debt that has a bTwo-thirds of medical collections on credit reports will no longer be reported. 
Published by CFPBXX/XX/XXXX- Starting in XX/XX/XXXX, medical collections tradelines less than {$500.00} will no longer be reported on consumer credit reports. Medical bills under {$500.00} are significantly more likely to remain on a credit report for longer than medical bills over {$500.00}. For patients and families who have only relatively small outstanding medical bills, the {$500.00} threshold could mean a large reduction in coercive credit reporting. balance below {$500.00} should not be reported on consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ed dept of XXXX continues to report my credit bureaus as me being delinquent being down my credit score when my accounts are in forbearance I havent been able to pay them because of the high rates they been charging me I now owe over a XXXX dollars in student loans with just them. I will never own anything because of them.
Product: Credit reporting or other personal consumer reports

Formal Dispute of Fraudulent Accounts, Inquiries, and Personal Information Due to Identity Theft To Whom It May Concern, My name is XXXX XXXX XXXX, and I am filing a formal identity theft complaint regarding multiple fraudulent accounts, credit inquiries, names, and addresses currently listed on my credit reports. I have been issued an IRS Identity Protection PIN ( CP01A Notice ), confirming that I am a verified victim of identity theft.

The following accounts and inquiries were opened or accessed without my authorization, and I am requesting their immediate removal : Fraudulent Accounts XXXX Aargon Agency Inc 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 Aargon Agency IncXXXX 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  Legal Citations Supporting Immediate Removal : FCRA 1681c-2 : Requires credit bureaus to block identity theft-related information upon request and proper documentation FCRA 1681i : Right to dispute inaccurate information and expect reinvestigation FCRA 1681b : Limits the permissible purpose for pulling credit reports FCRA 609 ( e ) : Gives victims access to all documents related to fraudulent accounts Given that I have provided valid documentation ( including IRS CP01A Identity Theft proof ), I am requesting that all fraudulent accounts, inquiries, names, and addresses be removed within 4 business days, as required by the Fair Credit Reporting Act. 

Please confirm receipt and compliance with this request. If additional documentation is required, I am prepared to provide it promptly. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Phone : XXXX Email : XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Accounts : XXXX XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$36000.00}, XXXX  XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$17000.00}, XXXX XXXX XXXX Account # XXXX XXXX XXXX XX/XX/XXXX bal. {$1600.00}, XXXX  XXXX XXXX Account # XXXX date opened XX/XX/XXXX XXXX {$1300.00}, XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$1200.00}, XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$970.00}, XXXX XXXX XXXX  XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$940.00}, XXXX XXXX XXXX Account XXXX XXXX XXXX date opened XX/XX/XXXX bal. {$750.00}, XXXX XXXXXXXX XXXX XXXX Account XXXX : **** date opened XX/XX/XXXX bal. {$640.00}, XXXX  XXXX Account # : XXXX** date opened XX/XX/XXXX XXXX {$530.00} XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$390.00}, XXXX XXXX XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$230.00}, XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$190.00}, XXXX XXXX  Account # : XXXX date opened XXXX, XXXX Account # : **** date opened XX/XX/XXXX bal. {$0.00}, XXXX Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX  Account # XXXX XX/XX/XXXX bal. {$0.00}. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This issue is between Chrysler Capital, XXXX and XXXX. 

My vehicle was totaled in XX/XX/XXXX and the account was not closed until XX/XX/XXXX due to issues between Chrysler and my insurance company. During the majority of this time, I was still expected to make payments. My last payment made was for the month of XX/XX/XXXX. This payment was made on time. However, when I review my credit with XXXX and XXXX, it shows a 60-day delinquency in my negative score factors, associated with my auto score. This delinquency does not show up on my credit report as a delinquency, but for the month of XX/XX/XXXX, instead of displaying that a payment was made, it rather shows that the account was closed. Because of this being coded incorrectly and not reflecting that a payment was made, it is causing the delinquency. 

I have disputed this with the credit bureaus with negative results. I have also with Chrysler numerous times also with negative results. Chrysler stated to me that they are not able to update how that payment is coded even after acknowledging that a payment was in fact made and that it was made on time. They acknowledged understanding that it is affecting my credit score but stated there is nothing else that they can do for me. This is unacceptable. This has been very detrimental to my credit score that I have worked very hard to keep up.
Product: Credit reporting or other personal consumer reports

I had an Account with XXXX XXXX that I completely paid off. XXXX debt collection is on my credit report reporting inaccurate information under XXXX.This creditor also has a duplicate Account in my name using my information without my knowledge or consent.I have disputed both accounts and they have refused to remove them off my credit. - One Account is completely paid off and was agreed to be removed. - Second Account is a duplicate account. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). I have reported these inaccuracies multiple times and they have not been removed. These items are negatively affecting my credit worthiness and credit score based on inaccurate items.The Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to remove or correct inaccurate, incomplete, or unverifiable information from a consumer 's credit report within 30 days.
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 XXXXXXXX Balance : {$240000.00} XXXX XXXXXXXX XXXX Balance : {$3300.00} XXXX XXXXXXXX XXXX Balance : {$4100.00} XXXX XXXX Balance : {$21000.00} XXXX XXXX Balance : {$240000.00} XXXX XXXX Balance : {$21000.00} XXXX XXXX Balance : {$240000.00} XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX  XXXX Balance : {$4100.00} XXXX XXXX Balance : {$21000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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: Bank account or service

On XXXX I went into my local XXXX Bank of America Branch because of a Levy on my account. I was given a phone number to call. I contacted the Rep at the bank who would not provide anything but a phone number to call and a reference number. The Levy was initiated in New York against my business. The Legal Department would not communicate with me or my Attorney, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX. I specifically inserted compliance with the Rep. XXXX XXXX XXXX of XXXX Law in New York. The bank refused me access to {$2600.00} and began charging insufficient bank charges. The Bank allowed Levy of a personal account that is for my husbands Workman 's Comp, XXXX XXXX Check in the amount of XXXX, as well as the personal account had less then XXXX in it at the time. This is above the legal limit to freeze and account in the State of New York. 
All bank charges, including XXXX on {$100.00} Legal Order and charges for returned checks have not been returned. As of XXXX XXXX, I have not received any writtten documentation from the bank or the exempt form required by law, neither has my attorney received these documents. I have also referred this to the New York State Banking Department.
Product: Credit reporting

On XX/XX/2017, I pulled my credit report from Experian. After examining the report I noticed several accounts that were past the 7 year date and was still on my report. ( XXXX # XXXX ) and ( XXXX # XXXX ). I wrote a letter to Experian and requested that these accounts be removed. On XX/XX/2017 I sent this certified letter ( see attached ), requesting that this information be deleted immediately. Today is XX/XX/2017 and I have yet to hear from Experian. Please assist in having these invalid accounts removed from my credit report.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX XXXX XXXX XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. 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, 2022 {$130.00} 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Technical errors on the websites of the three major credit bureausEquifax, XXXX, and XXXX has actually prevented me from accessing any of my credit reports. 

0 customer support from any of the three bureaus.
Product: Debt collection

This account is in My name XXXX XXXX my phone number is XXXX, my daughter XXXX XXXX is getting back to back calls at her phone number XXXX because she is a reference on the account. She has told them to stop calling they still call. I have asked them why they are calling her number when they have spoken to me it should be noted on the account and she should not be getting back to back calls for an account thats not hers. I can only imagine them doing this to my other references that are listed also. My daughter works nights does not need to be harassed any further. They need to remove her phone number immediately. The irony is they have spoken to me several times because I havent set up a payment arrangement they chose to use intimidation tactics which is illegal by harassing her and who knows who else they have called because we live together.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau Subject : Reporting of Inaccurate Information by TransUnion Dear CFPB, I am writing to formally report an issue regarding TransUnion, which continues to report inaccurate information related to my XXXX account. This account was paid off in full on XX/XX/year>. Despite this, TransUnion is still reflecting this account as {$190.00} which is inaccurate reporting of this accounts status. 

I am attaching documents that confirm the account has been paid off in full. Additionally, I wish to bring to your attention that TransUnion has been accessing my credit report without my written consent, which is a violation of the Fair Credit Reporting Act. 

This situation is unacceptable and clearly violates my rights under the Fair Credit Reporting Act. I would appreciate your assistance in addressing this matter and ensuring that TransUnion corrects their reporting. 

Thank you for your attention to this important issue. I look forward to your prompt response CFPB ACCOUNT IS PAID OFF Sincerely
Product: Credit reporting or other personal consumer reports

Your agency is in clear violation of federal law!

15 U.S.C. 1681 Section 602 ( A ) asserts my unequivocal right to privacy.

15 U.S.C. 1681 Section 604 ( A ) ( 2 ) declares that a consumer reporting agency must not release any account information without my explicit, written consent.

15 U.S.C. 1681c ( a ) ( 5 ) mandates that a consumer reporting agency must not include any adverse information older than seven years, except for criminal convictions.

15 U.S.C. 1681s-2 ( A ) ( 1 ) prohibits any person from providing a consumer reporting agency with information they know or should know is inaccurate. 

DELETE this immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

I PURCHASED XXXX XXXX IN XX/XX/XXXX AND THE CREDIT LISTING REPORTS 1 ( 30 ) DAY LATE PAYMENT ON CREDIT REPORT IN XX/XX/XXXX. HOWEVER, XXXX LISTS LATE PAYMENT AS XX/XX/XXXX ... .I HAVE SIGNED DOCUMENTATION TO SUPPORT PURCHASE OF VEHICLE XX/XX/XXXX ( ATTACHMENT ) ; I ALSO WAS ON AUTO PAYMENT FROM IMMEDIATE PURCHASE. I NEED LATE PAYMENT ( S ) REMOVED AS IT IS INACCURATE.
Product: Debt collection

On XX/XX/year> I received an alert from XXXX and many other credit monitoring companies there was a collection that hit my credit. I located the number on the XXXX report, and I contact the company. I spoke with rep XXXX XXXX and he was extremely rude. I asked him why I didn't receive a communication from the company in regard to this collection before placing it on my credit? He explained because the company TransWorld didn't purchase the collection they inquired it. Which means nothing, per the Fair Debt Collection Practices Act requires the agency to send a written notice within 5 days of first contact, which is a debt validation letter and that was not done. Also, this company doesn't have a license to collect within the State of Texas.
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 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: Credit reporting or other personal consumer reports

I called to ask that the dispute noted on my credit be removed from the debt collector. They said that I had disputed it in the past and won't remove it. I told them I no longer dispute the account and want the dispute removed. They said they would not remove it unless I paid off the debt. I do not want to do that I just want the dispute removed and they refused to correctly report the status of the account which is not in dispute. This phone call happened today on XX/XX/year> with the debt collector
Product: Student loan

I have two loans with Navient, consolidated. I am trying to pay off the smaller loan first. The last two payments I have allocated my payment to pay the minimum on loan 2 and do an overpayment on loan 1. However, 24 hours later I will go on the website and the account summary does not reflect my allocation. 

This first happen on XX/XX/19 and again on XX/XX/19. I have to call them and have them manually adjust it.