23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I was trying to purchase a house, I have damaging information on my credit profile, there should be no damaging information on my credit profile Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CC : CONSUMER FINANCIAL PROTECTION BUREAU AND FEDERAL TRADE COMMISSION RE : YOU HAVE VIOLATED THE USA LAW FAIR CREDIT REPORTING ACT 15 U.S.C & 1681g DEMANDING ATTENTION FROM LIVE REPRESENTATIVE!!!!

Im not happy with the way your company is handling my consumer report. I was a part of a Equifax breach and your company is still not securing my information. I have already filed complaints with the Attorney Generals Office in your state and my state about your illegal attempts to damage my consumer report. I've also made a complaint to CFPB. You sent me a letter stating that the accounts were verified but you said nothing on how the account was verified.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer.

Thereis not a possible way a debt can be validated under 15 U.S Code 1692g ( 5 ) ( b ). YOU ARE BREAKING THE U.S FEDERAL LAWS. You will be hearing from the CFPB about these violations. You sent me no documents or information that your company relied on to verify the account below. These accounts listed below are federal law violations and damages as a natural person. I am demanding your company to remove these accounts IMMEDIATELY As stated before, I am aware of the FCRA law. Considering your responds you are NOT in compliance with these laws. Ihave the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.I do not consent you to use the e-oscar system to verify or look over this matter. Also it has been way past 30 days for you all to respond to my disputes which again is a violation. I DEMAND THAT YOU DELETE THESE FOLLOWING ACCOUNTS IMMEDIATELY Account : Account Number : Reason XXXX XXXX XXXX. fraudulent account XXXX XXXX Bankruptcy- XXXX XXXX XXXX. fraudulent account Its your duty, mandated by law be in compliance with the laws.The furnisher never provided any proof to me that that account listed above was reported 100 % accurate. Im telling you that Im ready to initiate my own investigation by filing complaints with the Attorney Generals Office in my state and yours if the above items are not deleted ASAP. 
Tracking everything CC : FTC, XXXX, CFPB XXXX XXXX
Product: Payday loan, title loan, or personal loan

I obtain a personal loan from this company and to my surprise they took out a life insurance policy after documents was signed. I did not consent to this, plus I was charged 35.99 % APR. Now I have to pay all interest up front ( rule 78 ). I have tried several times to resolve the issue. I need help..
Product: Credit card or prepaid card

On XX/XX/XXXX decided to contact citi XXXX credit card personnel due to text received that included a Citi Alert TEXT from XXXX that indicated that {$670.00} transaction with " XXXX XXXX XXXX XXXX XXXX XXXX was canceled and won't post to your acct. '' This text was received on Sunday XX/XX/XXXX. I check transactions and the {$670.00} did post but was not removed. Since I had received a previous text from XXXX on XX/XX/XXXX about XXXX that was deemed suspicious since I had XXXX what that XXXX concerned but the XXXX texts were a wash and I did not see that transaction on the citi XXXX app. I thought these texts could be bogus and not from the legit citi so I called to inquire if the XXXX is or is not a legit XXXX digit text number. I spoke to various nonfraud reps including a supervisor and she said she would contact fraud dept and placed me on hold. The call ultimately dropped while waiting. This supervisor indicated that citi texts come from XXXX??, XXXX XXXX dept, XXXX Citi XXXX ; she was not sure about XXXX. She mentioned that there have been many daily reported problems with texts generally. Since there was a disconnect I called the fraud number ; plus I received texts from XXXX " XXXX  XXXX XXXX XXXX fraud dept : WE need to speak to you about XXXX 's card XXXX please call XXXX. '' I called XXXX different numbers to fraud dept, the system did not acknowledge XXXX card last digits, did not recognize cell phone number provided, the automated system kept moving between keypad and voice answers. Ultimately I never received an answer to my QUESTION is XXXX a valid Citi text number??????? Yes or NO???? The fraud dept staff insured that my credit card was locked and I would receive a letter in the mail within 10 days. Citi is extremely willfully, wantonly and knowingly unhelpful ; that is what banks prefer to offer customers. I am the one who initiated the inquiry yet CITI remains NONRESPONSIVE. CITI solution is to LOCK. The fraud employee asked whether there was another telephone number associated with the credit card ; I replied no. Solution is to lock legitimate card holder out from utilizing the credit card normally. Citi staff is unprofessional and definitely prefer not to assist card holder ; the only solution is to LOCK but not provide a clear explanation of their fraud concerns or completely answer customer questions and address concerns brought to CITI 's attention. CITI should have a database that reflects bogus text XXXX digit numbers utilized. XXXX is being utilized by whom as in what entities? I have experienced many unsafe issues with this CITI bank XXXX Credit Card over the years. Apparently citi card is unsafe to utilize and extremely and regularly vulnerable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX should not be reporting that I am ( 60 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these lates need to be removed. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. I have contacted XXXX XXXX as well as the bureaus to remove these lates however, I have not been successful.
Product: Debt collection

On XXXX XXXX, 2014 My daughter went into children hospital for a procedure. I was ask to prepay the procedure in advance so that I would receive 50 % off. I complied and paid that bill. My son became ill during shortly after when I called for to set up a prepayment plan. They said they combined all the charges together and I was on a payment plan. I have been paying XXXX a month. In XXXX I started receiving different bills. So i called in. The operator on the line state the prepayment was not applied and it would be sent for management review. She said no way I should have anything to pay. IN XXXX I was sent a multiple bills. I then called in. The lady on the phone said the prepayment was not applied and I did not need to pay it. This would be sent to review. In XXXX I received another statement. Before I had a chance to call. I received a collection notice.from CMRE I then called them. They said it was XXXX from children which is what I pay monthly. They said to call children as if I am making that payment monthly it must be a mistake. I called children and then I was told it would be sent to management review pulled back and put in the payment plan I am playing. Today children called and said that they cant see anything although the first XXXX agents read the notes to me. It was in collection and they would not help me. A final statement was sent with no explanation of benefits. Now they are destroying my credit just because I listen to them and send them still to this day XXXX a month. As our payment was achieve. I can not help it if there agents split things off my bill and failed to explain what was happening.
Product: Checking or savings account

my ex co worker signed over his check to me. i deposited the check. it cleared and then they put a hold on my account. when i called capital one, they told me i needed to come in with my co. worker and present i.d .. well the closest capital one branch is 400 miles away. I informed them of the distance. Then i was told to go to one of their sister banks XXXX. i went to XXXX  and they told me they arent affiliated with capital one. so i called several times then finally a manager told me they cancelled my account. and it was pending an investigation. i keep calling and they never give me a release date and i can never speak to the person in charge if the investigation. It has been almost 2 years now and im still getting bank statements showing my balance of XXXX yet the account is supposed to be closed. i never recieved any phone calls regarding my money. i no longer at the employer and i have no clue where co. worker is. its been more than enough time to do their investigation. 2 years. i needed the money and i ended up losing my vehicle because i got behind on payments due to their negligence. Im also aware that capital one has a huge law suit against them already for the same problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

Made several attempts to have inquiry remove. Company fail to comply to FCRA guidelines. Inquiry placed from an unknown source on XX/XX/2019
Product: Mortgage

My mortgage servicer is refusing to evaluate your application stating that you had a recent application evaluated in the same delinquency cycle.
Product: Payday loan, title loan, or personal loan

1.I have never had an account with this company CREDIT CENTRAL LLC XXXX XXXX XXXX XXXX from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are CREDIT CENTRAL LLC & XXXX the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Product: Prepaid card

AMERICAN EXPRESS SERVE DID NOT PAY MY VENTOR AND IS HOLDING MY MONEY. I HAVE CALLED THE CORPORATE OFFICE AND STILL NOT GETTTING ASSISTANCE
Product: Debt collection

In the end of XX/XX/XXXX I noticed IC System showed up on my XXXX XXXX Credit Score under XXXX. At that time, I reached out to IC System to inquire about nature of debt. I was informed that the debt is from an XXXX  XXXX line between the years of XX/XX/XXXX and XX/XX/XXXX. I communicated to the representative that I am unaware of services I received from XXXX during that time period. I was told to reach out to XXXX for confirmation. Upon reaching out to XXXX  I was told that they no longer have any information on accounts and to contact IC System. 

On XX/XX/XXXX, IC System offered to reduce amount by 50 % to {$110.00}. I reiterated that I still have no knowledge of the account but I wanted to resolve this credit issue and was becoming increasing frustrated and exhausted from length of call without resolution. Out of pure exhaustion and frustration I attempted to pay the amount to get all of this behind me, even though I was still unaware of origin of debt and debt collector reported not having the information. 

This led to several more hours of attempting payments online and being directed to bank payment sites at the instruction of representative. Outcome of this multiple hour call was a confirmation number from site suggested to go to for payment. I was told I would receive an email to confirm. 

Weeks later, I still had not received email or confirmation and called back. Representative informed me no payment had been made even though they had a confirmation number they referenced in account. I was informed that I paid XXXX   directly and I shouldn't have. I informed IC System I only followed their laborious and confusing instruction. 

After call ended I checked bank statements to see if payment had been made or not. Charge did not leave my banking account. 

I feel duped and not even sure this is a legitimate debt collection agency and I am unwilling to pay or settle for a debt I am not aware of and collector can not provide information on. 

Feeling extremely frustrated and hoping submitting this complaint will provide some resolution and/or shine a light on a fraudulent or incompetent debt collection agency.
Product: Credit reporting or other personal consumer reports

Experian is willfully disregarding federal laws by not complying with the FCRA, which establishes boundaries, rules, and regulations. They have assumed the authority to collect and report information about me without obtaining my written or verbal consent. Experian did not met simple points of Metro 2 compliance or simple rules of the FCRA. 15 U.S.C. 1681i mandates specific procedures for consumer reporting agencies to follow when a consumer disputes the accuracy or completeness of information in their credit report. Experian failed to provide an exhaustive itemized timeline breakdown of their alleged investigation and reinvestigations. Which leads me to believe they simply used e-oscar automated systems and failed to make contact with anyone because they wouldve clearly seen all of the discrepancies. 15 U.S.C. 1681e ( 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. Its impossible to ensure maximum possible accuracy when basic data fields are missing. Recent payment, Monthly payment, Original balance, Highest balance are missing along with random ND ( no data ) remarks in between months that have data, very noticeable inconsistent contradictory payment histories. Thats automatically a contradiction. Please update the information for these basic data fields or remove these accounts from my consumer report immediately!
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights. Under 15 USC 1681 section 6 0 2 states I have the right to privacy ( 15USC 1681 ( 6 0 4 a section 2. ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a credit may not treat a late payment on credit card card on an open and consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an unauthorized hard inquiry from XXXX Bank on my Experian credit report dated XXXX XXXX, XXXX that does not belong to me. I have attempted to resolve this with Experian via phone and via CFPB but am told to contact the creditor. I have already attempted to resolve this with them and sent a CERTIFIED LETTER requesting to remove this erroneous record from my report which was received by them on XXXX XXXX, XXXX. The creditor has not responded to my request despite waiting 60 days. Please have this record removed from my report immediately. Attached is proof of my attempt to resolve this matter and have now been left without resolution and an adverse record on my report.
Product: Checking or savings account

On or around XX/XX/year>, my cell phone number I use for account verification purposes which was serviced through XXXX XXXX  and was associated with my US Bank account was shut off without my knowledge, permission or consent. I did not realize this number had been closed because it was only used to get into my account and I had been having issues getting into my account using my primary phone number so I had just recently added this number hoping to resolve the issue pertaining to a malicious actor with access to that number. When I found out the number was closed, I immediately went into XXXX XXXX  and alerted them of the situation and my other concerns but had not considered being locked out of my account completely yet as I was assessing any other damage that was potentially being done. When I realized that number was my latest bank account verification number, I tried calling customer service but was only told without access to my number my identity could not be verified and I needed to go into the nearest branch in person. With my busy schedule, I procrastinated and did not schedule any free time to take care of this matter until receiving a letter in the mail stating my account was ordered to be closed due to inactivity on XX/XX/year>. The day I received the letter in the mail was XX/XX/XXXX after business hours. I went into the US Bank branch on XXXX XXXX XXXX XXXX XXXX L as soon as they opened XXXX  XXXX  on XX/XX/XXXX, the day the account was to be closed. I was told it was already closed that day and I was not able to stop the closure and asked to be given the last XXXX years of statements so I XXXX look for any other issue or transaction that XXXX help me to determine how my account was compromised and when. Since my account was closed that day, the statement in question could not be given to me as they would be if my account had still been active and that now I was going to need to pay {$XXXX} for each page of each statement each month, the past XXXX  months which at around XXXX pages per statement in most months and XXXX  months, {$XXXX} for my account documents was out of my budget and I was told I could not log back into my app since I didnt have access to my number.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX number 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 1666b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Credit reporting or other personal consumer reports

according to the fair credit reporting act 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. This is a a violation of my rights 15 USC 1681 -17 Account XXXX XXXX XXXX acct # XXXX Was recently closed on my report it needs to be removed completely this is unacceptably!!! If it is not removed I will be suing per violation!!!
Product: Debt collection

I 've recently checked my credit report and I came across a collection agency name XXXX XXXX XXXX. I never gave XXXX XXXX XXXX permission to have access to my personal information. XXXX XXXX XXXX is VIOLATING HIPPA LAWS. XXXX XXXX XXXX could not send me VALDATAION with My Signature of this account ..
This account is UNVERIFIED ... I need VALIDATION of this account NOT VERIFICATION..
If this account is not deleted asap I 'm going too filed a claim with the BBB.
Product: Money transfer, virtual currency, or money service

I purchase ETH on XX/XX/XXXX for the amount of {$4600.00} and then they suddenly suspended my account on XX/XX/XXXX and refunded my money. I asked them several times to reopen my account but they do not respond back to my emails. 

They do not provide phone number to contact them.
Product: Credit reporting 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 XX/XX/XXXXXXXX XXXX XXXX XXXX DC XXXX XXXX XXXX XXXX XXXX I looked at my XXXX credit report XX/XX/year> and noticed some things are incomplete and inaccurate. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). According to 15 USC 1681i 5 the are supposed to do this ( 5 ) treatment of accuracy of inaccurate or unverifiable information. And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generall, 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 ( i ) 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 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or or has reasonable cause to believe the information is inaccurate.