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

In accordance with fair credit reporting fact XXXX  account XXXX has violated my right 15 USC 1684 section I have right to privacy 15 USC 1687section 604 A section 2 it also states a consumer furnish an account without my written instructions 15 USC 1666B A creditor may not treat a payment on a credit card open -end consumer credit plan as late for any purpose I don't know how the used my name in on medicine insurance I'm XXXX my insurance pays most my bills I never received a {$2000.00} ever my bills never been over {$50.00}
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the 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 an account opened at XXXX XXXX XXXX ( Account # XXXX ), a XXXX XXXX account ( Account # XXXX XXXX ), and two XXXX XXXX XXXX XXXX accounts ( Account XXXX XXXX XXXX and Account 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 XXXX 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 or other personal consumer reports

How are you? I hope all is well. I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 
I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true. Ive noticed several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. Per 15 U.S.C 1681e 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. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with an accurate consumer. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( promptly ), completely, AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

Listed below are the Accounts that are being challenged XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX  XXXX XXXX XXXX
Product: Credit reporting

In 2008 I had business bankruptcy. My wife and I paid off all our debts accordance to judge decision and our credit score slowly started going up. Now I have over XXXX score with XXXX and XXXX but Experian score is only XXXX! We do n't have any credit cards since 2008 and XXXX late payments since 2008 so there is no reason for Experian to give us XXXX points less than the other XXXX agencies. I called Experian many times trying to figure out why my score only with this agency so low and because of Experian we can not get any credit cards at all. Unfortunately Experian refuses to change anything saying " it is not us - contact XXXX '' and .... XXXX of course saying " nothing we can do about it - it comes from Experian - so contact them '' Its like " Catch XXXX situation '' - there absolutely nothing wrong with our Experian credit report ( we have XXXX negative items on their report ) but they can not change anything and XXXX can not change anything. The most frustration is ( according to Experian ) since there is " nothing wrong '' with my credit ( of course we are never late and do not own any credit cards and almost no debts ) there is nothing to fix! 
we even bought XXXX XXXX about 6 months ago by using XXXX XXXX and paid if 100 % back but even this did not improved our score with Experian!!! I have the only question : is Experian is about the law and they can XXXX anyone, anytime and can not be hold responsible?
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of a medical debt listed on my credit report, as it is subject to recent changes in federal regulations. 

As you may be aware, the Consumer Financial Protection Bureau ( CFPB ) has issued a new rule which mandates that all medical debt, regardless of amount or age, be removed from consumer credit reports. This rule was enacted to reduce the financial burden of medical debt on consumers and to improve access to credit. 

Since this debt pertains to medical services provided, I request that it be promptly removed from my credit report in compliance with these federal regulations. 

Account below - XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Date Opened : XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  collections on my report are wrong and should never have been put on in the first place!  1  )  XXXX   XXXX  proof of state health insurance ( due to  XXXX  ) in  XXXX   XXXX  and explained that the original creditor failed to bill.  XXXX  refuses to verify this info with   XXXX   and   XXXX    ( I d o n't know about experian ) in which both companies refuse to remove without the verification . 2 )  wrongfully billed in  XXXX   XXXX  by  XXXX   XXXX   XXXX  when service was canceled and equipment was returned within the 30 day satisfaction guarantee and proof of  XXXX  installation date. Very few disputes are taken at a consumers word and companies like  XXXX   XXXX   XXXX  can state whatever they want with with no proof and whether wrong or right the companies verification is always gold. This is very unfair! I have been trying to get my credit scores up and it 's been a roller coaster with huge dipps in my score. Please Help!
Product: Debt collection

I simply want this collection removed because I don't owe a debt to them. I consistently pay on my car insurance and they are still my insurer, so I'm confused as to why this got pushed through and the debt was already settled.
Product: Bank account or service

I attempted to deposit cash approximately {$100.00} into the at the BBVA branch at XXXX XXXX XXXX, XXXX, TX, XXXX on XXXX XXXX. The machine took the cash and then showed a screen that stated " We can not process your request. '' It did not then return my money, and I have not been credited for the deposit.
Product: Payday loan

My wife and I applied for a home loan and the bank provided to us negative accounts that affected our approval. When reviewing the information World Finance Corp showed up with a balance of {$580.00}. I have no idea what theses charges are for and when attempting to contact the company no one could give me information or locate information stating a loan was ever received.
Product: Credit card or prepaid card

About XXXX weeks ago, I asked Vystar Credit Union to cancel a secured credit card I had with them. They cancelled it as requested. Vystar is holding a {$2000.00} security deposit as collateral for this secured card. I have repeatedly asked Vystar to deduct any remaining balance which is far less than {$2000.00} from this deposit, and to refund the balance to my Vystar checking account. I have called them repeatedly. I have sent them written requests via fax and mail. I have received no response whatsoever from Vystar, and they continue to hold my deposit without explanation or just cause.
Product: Credit reporting, credit repair services, or other personal consumer reports

American Express Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX I just got my report and I think it is wrong! I opened an American Express card in XXXX. It was closed and I paid it off. The law firm is stating they want funds for a card that was opened in XXXX. They are reporting I was opened in XXXX on my credit report. The firm refuses to give me supporting documents validating the debt. I was told I have the right to have an investigation done. Credit bureaus laws report that the bureaus report 100 % accurate credit history. Every step must be taken to assure that the information reported is completely accurate. The following information therefore needs to be re-investigated. Please make sure everything pertaining to my credit report is correct. 

Please provide me with the following items : 1. Pay Off Disclosure 2. Interest Disclosure 3. Balance History 4. Payment History 5. Credit Insurance Validate Accounts American Express XXXX Contract Closed ( 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Student loan

I have called this company everyday for the last XXXX weeks and sat on hold for over three hours almost every time. I tried emailing and the response they sent said to call that they are not accepting emails. Its been almost a month since I made a payment and they have not updated my account to reflect my payment. Im pretty sure no one actually works for them and the phone number theyve provided is fake.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX, CXX/XX/XXXXXXXX
Product: Credit card or prepaid card

I am a consumer and I feel that my federal consumer rights have been violated. I heard that they don't follow the XXXX. On XX/XX/2021, I sent in a payment overnight to TD Bank USA N. A. for my Target Credit Card to be credited. I called the following week to ensure they received the payment and representative said they don't have my payment. I gave the Express tracking number XXXX and she said it didn't matter, but will note my account that I called about my payment. Shortly, after that my statement due date passed, I received another statement, but my account was not credited. I recently sent a notice of billing error to Target Credit Card via certified mail XX/XX/2021 about this credit that should be applied.
Product: Credit reporting, credit repair services, or other personal consumer reports

My son has been working for a year, has great credit and just moved into a new apartment. XXXX XXXX XXXX was using Equifax for their application process for internet service. They put a freeze on my son 's account and asked him to fax some information to them. Then they told him it would be up to a month to resolve the freeze they put on his account but wouldn't tell him so he needed a co-signer. I agreed then they told him I had a freeze. Their response was, " we apologize. '' I asked to speak to a supervisor and her response was, " we apologize ''. I asked them for resolution as they apparently are randomly freezing people files and was again met with, " we apologize '' repeatedly. No information, no research, just " we apologize ''. How can they just freeze peoples account for no reason while asking for check stubs and social security information? Don't they have that or is it they're most likely tying to update their demographic information to sell? This is the literal definition of abusive practice in UDAAP. Who is making them accountable for their abusive practices on the public with no merit, no explanation, or timely resolution?
Product: Debt collection

NAVY FEDERAL CREDIT UNION reflects a billing error. The payment coupon sent to me shows a positive amount being owed to me. The payment coupon shows a credit balance of {$20000.00} and available credit of {$4300.00}.
Product: Debt collection

I am writing to bring to your attention a matter of identity theft that has affected my financial accounts. I have discovered unauthorized accounts opened in my name without my knowledge or consent. I am a victim of identity theft, and I am seeking your assistance in blocking these fraudulent accounts from my credit report, per 15 U.S. Code 1681c2 - Block of information resulting from identity theft. 

Below are the details of the unauthorized accounts : XXXX XXXX XXXX NATIONAL CREDIT ADJUSTERS , L.L.C XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NATIONAL CREDIT ADJUSTERS , L.L.C XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I contacted NCA on several occassions and asked them to verify the debt, provide proof of purchase from the original creditor and all associated documentation, I also asked them to stop threatening to sue me or arrest me for fraud, however, I still get unwanted calls and letters from them regarding this debt. I never had a contract with National Credit Adjusters , LLC or any company they are affiliated with and can confirm that I am a victim of identity theft and data breaches. I would like these accounts removed from my credit reports. Disputes have been made with the XXXX XXXX dating back to XX/XX/XXXXXXXX  with no update now provided information/documentation. This is a violation of FCRA. Further, Per the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I made a {$1600.00} US transfer to a friend via XXXX linked to Bank of America. My friend received a text message to her cell phone saying that she should receive the money soon. That never happened. 
I opened a dispute with the Bank but they dont want to return me the money, even when I have the screenshot of the text that my friend received.
Product: Debt collection

not only is this debt paid but I have proof from XXXX it is not mine as well as the time it was paid I was living in a furnished apartment XXXX XXXX XXXX, Fl . that did not require me to have electric in my name. On top of that I have filed enormous Identity theft reports with the credit reporting companies and all the debt collectors.
Product: Debt collection

TRS Recover ( Telecheck ) will not allow me to write checks. Telecheck confirms that I DO NOT owe any money, however, after repeated calls for 2 months, they say I " have to rebuild my credit before they will approve new checks ''. 
Telecheck is going way out of bounds in how they are operating as a business. I do n't owe ANY money to Telecheck or any merchant that uses Telecheck, YET, they can deny my checks based on their own credit reporting data? Telecheck is NOT a credit agency. Telecheck can not make me fix my credit. I demand the CFPB investigate Telecheck and regulate how they are doing business OUTSIDE of their actual legal guidelines.
Product: Credit reporting or other personal consumer reports

I OPENED MY CREDIT FILE AND NOTICED A LOT OF FRAUDULANT ACTIVES IN MY ACCOUNT SUCH AS HARD INQUIRES THAT I HAVE NEVER APPLYED FOR,
Product: Credit reporting

Not being allowed to have direct online access to view or dispute credit report file.
Product: Debt collection

I have been contacted by XXXX XXXX regarding an alleged debt that they are saying I owe. I have no idea about this debt and I am very frustrated that they have put this on my credit report. They have sent me a contract with typed name on it which is not a signature. Anyone could have typed this template contract up. They have still not responded to my letter that has been sent to them asking for a mac address id where this alleged electronic signature was generated from. XXXX XXXX have been very rude when I have been asking about this alleged debt. The contract says XXXX but my credit report says XXXX XXXX XXXX which is two different companies,
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXXXXXX XXXX XXXXXXXX Balance : {$23000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$24000.00}.
Product: Credit reporting 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXXXXXX XXXX XXXX Balance Owed : {$210.00} XXXX XXXX XXXX  Balance Owed : {$1500.00} XXXX  XXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed : {$19000.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$210.00} XXXX XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed : {$19000.00}
Product: Vehicle loan or lease

Its been almost a month and Im still locked out of my account. Which is current. Ive contacted web support as well as customer service several times. Yesterday ( XX/XX/20 ) I was on the phone for an hour attempting to get it resolved before it just hung up. I woke up today thinking maybe the rep continued to work on the issue despite her call dropping and nope. She didnt. Im still locked out of my account. How am I supposed to continue paying my bill on time if Im locked out of my account during a pandemic. Wait times are through the roof for customer service. This is absurd.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am being reported as deceased, I'm not. 

This is affecting my ability to get employment and credit, because they think I'm dead. 

TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I've tried to work with them and they make it too cumbersome and time consuming