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

The fair credit reporting act 15 USC 1681 section 602 a says there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness impartiality, and I respect for the consumers right to privacy. I have the right to make sure my private information isnt shared which is proven in 15 USC 6801 which states, '' it is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its consumers and to protect the security and confidentialities of those consumers non-public personal information. ( furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that in general subject to subjection ( c ), any consumer reporting agency may furnish a consumer report on the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. ( Furnisher of information to credit agencies ) the XXXX XXXX and consumer reporting agencies XXXX and XXXX do NOT have my consent to furnish this information and they surely do NOT have my written consent. Any and all consent to XXXX, XXXX, ( furnisher of information to credit agencies ) be verbal, nonverbal, written, implied or otherwise is revoked. 15 USC 6802 ( a ) ( b ) states that a financial institution may not disclose nonpublic personal information to a nonaffiliated third-party unless-the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( furnisher of information to credit agencies ) hes never informed me of my right to exercise my nondisclosure option. In addition, 15 USC 16 81C ( a ) ( b ) except as authorized under ( b ), 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 with auntie dates to report by more than seven years. These accounts were an adverse items they are reporting again without my permission which is against the law 15 USC 1681 s2 ( A ) ( 1 ) A states 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 in accurate. 15 US code 1681e states " every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681C of this title in to limit the furnishings of consumer reports to the purposes listed under section 1681b of this title. Also 12 CFR code 1016.7 says '' A consumer may exercise the right to opt out at any time. " I am opting out of your reporting services. '' XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I was a victim of identity theft. The person was caught and idicted ; however, I need these inquiried removed. 
Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

My XXXX XXXX XXXX XXXX account dropped off my Experian Credit reports at least 40 days ago. I just pulled a new Experian report this morning around XXXX XXXX and the XXXX accounts are showing up again.
Product: Credit reporting, credit repair services, or other personal consumer reports

an account was fraudulenty placed on my credit file by  XXXX  . Below is the account information i have requested a proper verification several times from  XXXX  to prove that the account is mine or else they need to delete it frommy credit file. Each time there responce was account is verified as accurate without proof for me. They refuse to provide me with any contracts bearing my signatures or any proof that the account belongs to me.      XXXX   XXXX   - ACCT #  XXXX  DATE OPENED  XXXX / XXXX / 2016  BALANCE {$2200.00}
Product: Debt collection

Ive made several attempts to resolve this matter. I have no knowledge of thus account. There are unauthorized collection on my report. In accordance to the Fair Credit Reporting Act, legally these unverified and unauthorized items must be removed. I've already contacted the original creditors. The following are the collections on my credit report. Credit Bureaus : XXXX Account. 

Account number : XXXX Date opened XXXX XXXX XXXX  Account type Collection Status Collection account. {$210.00} past due as of XXXX XXXX 
Status updated XX/XX/2023 Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PAYMENT HISTORY LEGEND Comments- Your statement - Contact info Name CREDENCE RESOURCE XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Discrepancy in Credit Reporting by XXXX  XXXX Dear Sir/Madam, I am writing to file a formal complaint regarding inaccurate information being reported by XXXX XXXXXXXX to the credit bureaus, which is negatively impacting my credit profile. 

The issue at hand concerns a XXXX XXXX account that was paid in full and closed in XX/XX/XXXX. However, I have noticed that on my credit report, the account is being reported as having been " 30 days past due '' for both XXXX and XX/XX/XXXX. This is incorrect, as the account was current and all terms were being met until the account was closed. 

To clarify : - The account in question was current and paid on time through all billing periods up until it was closed in XX/XX/XXXX. 
- There is no record of the account being past due in XXXX or XX/XX/XXXX, yet these months are being reported as " 30 days past due. '' - This inaccurate reporting of " 30 days past due '' in back-to-back months is misleading and does not reflect the actual status of my account. 

The erroneous reporting of late payments is causing significant harm to my credit profile. The account was in good standing, and there is no justification for the reported delinquency during those months. The repeated reporting of these inaccuracies is damaging to my credit score and has a detrimental effect on my financial standing. 

I am requesting that XXXX XXXX be instructed to correct this misinformation and permanently remove any reference to " 30 days past due '' for XXXX and XX/XX/XXXX from my credit report. I would also like confirmation that this incorrect data has been completely and permanently deleted from my file, as it is causing undue harm to my creditworthiness. 

Please investigate this matter and take appropriate action to rectify this issue as soon as possible. I would appreciate a timely response and would be happy to provide any further information if necessary. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I had a medical procedure and spoke with my Doctor 's office about payment. I had to have routine quarterly follow-up visits and the fees were submitted to my health insurance provider, then an invoice was generated and sent to my home for my payment of the balance due. Our agreement was always made with my Doctor, but I was told to make payment to  XXXX    XXXX    XXXX   XXXX . At one point in we received a bill from  XXXX   XXXX  and we were told that was our bill to pay and it was related. Every invoice we received was paid in full and on time. There was one payment that was made a few days late, but only a few days late and we believe that may have been due to the confusion with their billing. We have always taken pride in paying any bills due and we do not feel this medical collection fee is our responsibility and to have this blemish on our credit report is not fair or just. The collection that contacted us with no valid basis used strong-arm tactics and extremely rude individuals in a seemingly endless harassing manner.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent INQUIRIES in my report and found that I need to visit the FEDERAL TRADE COMMISSION or XXXX XXXX  XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any INQUIRIES listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of INQUIRIES that do not belong to me or were opened without my permission. 
XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been going back and forth with the Transunion about my dispute with XXXX XXXX reporting " paid charge off ''. This item continues to be on my credit report. XXXX XXXX has ask that this derogatory statement be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following is a description of the indecent taken straight from case summary Throughout the document I am of course referred to as the " Plaintiff XXXX XXXX '' : Plaintiff, XXXX XXXX lived in his home as his primary residence for more than 25 years. XXXX had paid all loans and therefore owned 100 % equity in his home. XXXX discovered, sometime after the fact, that a Deed of Trust had been executed granting XXXX real property in trust to XXXX XXXX XXXX or its predecessor in interest with the power of sale in the event of a default of said promissory note for {$700000.00}. The lender was named as the beneficiary in the Deed of Trust Upon discovering that an unauthorized note and Deed of Trust had been fraudulently executed, XXXX notified the servicer of the loan, that he, XXXX was in fact the homeowner, but was not in fact, the borrower. XXXX identity had been stolen and therefore the person posing to be the homeowner was in fact an imposter. Homeowner informed the broker, lender and servicer that the alleged loan, the Promissory Note and Deed of Trust were in fact the product of fraud and Identity theft and are therefore void. Notwithstanding, the notice from Plaintiff, the lender continued to take actions to effect a non-judicial foreclosure of Plaintiffs home. The lender and its servicer took no action to file a suspicious activity report XXXX with the appropriate administrative authority. The lender and servicer instead caused a Notice of Default NOD to be recorded against the Homeowners property on or about XX/XX/XXXX, XXXX Thereafter, Plaintiff filed the instant suit based on information and belief that the imposter fraudulently posed as Plaintiff, XXXX. Also named is the individuals attorney, the lender, the servicer, the broker, the originator, the escrow officer the escrow company, the Trustee and the Notary Public used to notarize the fraudulent signatures.
Product: Credit reporting or other personal consumer reports

I trust this correspondence finds you in good health. I am writing to bring to your attention a troubling discrepancy within my credit report concerning late payments associated with my accounts. Upon meticulous review of my report, I have identified instances where late payments have been inaccurately recorded, adversely affecting my credit standing. Upon contacting the companies linked to these accounts, they acknowledged a fault on their part. They have committed to rectifying the error by updating and amending my accounts to accurately reflect my payment history. They attributed these inaccuracies to a system glitch that led to the erroneous reporting of late payments. It is perplexing to me that while other credit bureaus have already rectified the status of these accounts, your bureau continues to report these late payments. This disparity in reporting raises doubts regarding the verification protocols employed by your bureau to ensure the precision of reported information. Please update the accounts to reflect correct status : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

THIS IS NOT DUPLICATE REPORT. 
Experian is inaccurately violating the FTC Section 605a,4, ( c ) .Reporting multiple charge off start dates ( XX/XX/XXXX, XX/XX/XXXX ) and recording a payment being falsely made in XX/XX/XXXX deceitfully extending the FTC XXXX XXXX to XXXX causing Experian to violate FTC XXXX. I informed Experian of these violations of the illegal reporting and all they did was update balances date which illegally extends the Virginia 8.3A-118. Statute of limitations.This account has been updated XXXX times over the past XXXX  years which has illegally kept my account forever in statue of limitation range by not starting statue of limitations timer which is a violation of my consumer rights.This is standard illegal practice among unsuspecting consumers and needs to be corrected immediately. Exeprian actively knew the information was false and tried to update this information inaccurately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, PA XXXX Re : Failure to Verify/Inadequate Investigation of Debt Dispute Account Number : [ Insert Account Number ] Dear XXXX, I am writing regarding my previous dispute of the inaccurate information on my credit report concerning the above-referenced account. Despite my submission of a dispute on XX/XX/XXXX. I have received no satisfactory evidence or documentation from you or the creditor to verify the accuracy of this debt. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to conduct a reasonable investigation into disputed information ( 15 U.S.C. 1681i ). It appears that your investigation was inadequate or failed to verify the debt, as I have not been provided any evidence substantiating its validity. 

To resolve this matter, I am requesting the following : 1. Immediate removal of the disputed account from my credit report if verification can not be provided. 
2. A detailed explanation of your investigation process for this dispute, including any documentation received from the creditor. 
3. Written confirmation of the resolution of this dispute within 15 days. 

Please note that failure to comply with the FCRA could result in legal action, as I am prepared to assert my rights under the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed XXXX {$530.00} ; XXXX XXXX XXXX XXXX Balance Owed XXXX {$940.00} XXXX XXXX XXXX Balance Owed : {$5400.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$6100.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$1000.00} ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

1

5 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 paid off XXXX and closer that but now credit report charge off, can this be remove from my credit report. I have all of this inquiry XXXX XXXX, XXXX XXXX, XXXX XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX  in XX/XX/XXXX to inform them that the amount on a collection was incorrect and sent them a statement showing the balance at that time. It was never corrected. I again ATTEMPTED to file a dispute with XXXX  on line in which they denied my request for re-investigation stating that what was being reported was correct. I filed yet another dispute in XX/XX/XXXX, providing documentation that TWO collection accounts were paid in full and requesting that one be removed in that it was past the 7 year mark. They were NEVER removed nor where the balances updated to show them as paid. 

I further have asked multiple times to have a validation of a debt on a third collection agency. I contacted the Collection Agency and requested validation of a debt which they have refused to provide. I contacted the alleged original creditor and they have no record of any outstanding debt, yet XXXX  continues to report this debt even after I have asked to have an investigation. I have been TURNED down for credit because of this.
Product: Credit card or prepaid card

The person that charged the card advised the credit charged to be credited. Best Buy Visa by Citibank didn't issue the credit. They do not understand that I suffered a XXXX XXXX and have my phone number on my business card and wallet.
Product: Credit reporting or other personal consumer reports

This is NOT A DISPUTE. I believe the information being reported to be inaccurate. 
XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$1300.00}
Product: Money transfer, virtual currency, or money service

Hello, My complaint is with Paypal.com. For a long time now I have used them as a payment processor to sell clothes/shoes through a different site called XXXX. XXXX on XX/XX/XXXX I get an email saying " You can no longer use PayPal '' along with the following description " After a review, we decided to permanently limit your account as we found potential risk associated with it. As a result, we can no longer offer PayPal services to you. Any bank or credit card information thats linked to your PayPal account can not be removed nor can it be added to another account. You can still log in and see your account information but you cant send or receive money. If you have funds in your PayPal balance, it will be held for up to 180 days. After that, well email you with information on how to access your funds. '' Additionally when I log into the site I get a similar message but they add in the following " At PayPal, we value a safe community for our customers to do business. We noticed activity in your account thats inconsistent with our User Agreement and we no longer offer you PayPal services. '' I have read the User Agreement and I don't believe I have done anything wrong that would violate this. After talking to support with XXXX XXXX and on the phone they refuse to give more information or a resolution. What I did after that is open a second account to continue selling but that got shortly the same message. 

After also looking through their community posts it seems like multiple people have had this issue to no avail " https : XXXX ''. I simply want my account back ( either or and close the second one ) so I can continue selling through XXXX since unfortunately PayPal is their only payment processor.