23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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, credit repair services, or other personal consumer reports

XXXX   is reporting  XXXX  negative amounts that are al l 7years o r more old.   I have spoken with them in prior months and they verbally agreed to remove them from my report to this date they have still not been removed. These accounts are as follow   XXXX    XXXX   XXXX   ... .30 day  late  XXXX   XXXX   XXXX  ... ... ...  ..30 day la te  XXXX  C  XXXX   XXXX   ... ...    Collection   XXXX  ... I have no idea who this company represents  XXXX   XXXX   ...  ... ... ... .Collection ... .rep  XXXX   XXXX    XXXX   XXXX   XXXX   who admits that the collection came to them with NO MONEY owed attached to it ... yet he claims that he is unable to remove it nor can he   XXXX    XXXX   XXXX   XXXX  and ask why he was sent my information  XXXX   XXXX   XXXX   XXXX  XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$5.00} XX/XX/2023 KICKOFF LENDING LLC {$64.00} XX/XX/2023 XXXXXXXX XXXX  {$190.00} XX/XX/2023 XXXX XXXX XXXX XXXX {$1300.00} XX/XX/2023 To Whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

15 U.S. Code 1681e - Compliance procedures ( 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. 

otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( ie : an original consumer contract with my signature on it ) that you have on file for the account listed above. or a certification from the creditor that certified the accuracy and completeness of the information/account. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the accounts listed
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX acct number XXXX was to be removed from my credit report in it 's entirety by XXXX XXXX per my old Experian credit report. 
this account is still being reported today after several disputes. the credit bureaus have verified the account or the credit bureau has claimed to have processed my dispute. 

also there is a lein that was released back in XXXX XXXX this is not being reported by the court or recorders office. thus the credit bureau should not be maintaining this record. after sending certified letters to both XXXX and the credit bureaus on XX/XX/XXXX concerning these accounts I have been ignored. 

I continue to incur damages as a result of the credit bureaus reporting. denied a home loan.
Product: Credit card or prepaid card

On XX/XX/2021 I received a text alert stating we had spent XXXX to a private label cosmetic store. I immediately contacted chase and told them my husband and I did not make this authorization and they started a fraud claim and put the money back in our account while they investigated. They cancelled my husbands debit card which we both still had ours and they sent him out a new one because it was his information that was compromised. We just received a letter on XX/XX/XXXX from chase stating that after investigating they found us reliable for the charges and they would be removing the XXXX from our account once again. I called chase and a customer service representative stated that the address, email, name, card, and IP address were all linked to my husband and the investigation was closed. I still told them that we did not make this purchase and his information must have been compromised online. They told me to file a police report which I also did yesterday XX/XX/XXXX and to contact the merchant directly. They provided me with a website XXXX  but they did not have a number. I went to the website and also found no number to get in contact with somebody. I called back letting them know that I did what they told me and they told me there was nothing else that can be done and we are responsible for the charges. We did not make that purchase and I was prompt with will calling immediately as soon as we seen the charges.
Product: Debt collection

I contacted the company listed on my credit report as owning my student loan debt. I was incarcerated for 6 years and a power of attorney did or didnt properly handle some of my obligations, which ones and how they were handled I can not know. So I requested a detailed letter stating that I do owe the debt, payment history, and amount owed. I was told I couldnt be given this information due to privacy concerns. I was then advised to dispute the debt if Coast XXXX  couldnt or refused to prove there was an outstanding debt and for how much. I disputed the debt and it was resolved in that nothing changed in my credit report. So I again contacted Coast XXXX  and asked for the previously requested information. I gave them my address and general contact information and was told they would mail me the information. This was multiple weeks to a month ago and I havent received the information. I feel I have a right to see information about the debt, that it is mine, that I owe on it, that it has or hasnt been partially, fully, or not at all paid. Can I be expected to start payments on something I cant see the details of and have only been explained over the phone? I am unsure. But I am also legitimately unsure how this was felt with by my power of attorney and therefore feel a need to verify the debt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting a collection/chargeoff on my credit profile from the XXXX  XXXX. 

First, the account date of last activity is XXXX. In Mississippi, the statute of limitation to collect on written debt is three years. As we are in XXXX, heading to XXXX, the statute of limitation to collect on this debt has expired. Therefore, legally there is no balance due to this company. I moved out of these apartments back in XXXX of XXXX. 

Furthermore, the comments say customer dispute, but consumer disagrees Transunion is reporting the date of last activity as XXXX, XXXX reporting XX/XX/XXXX, XXXX is reporting XX/XX/XXXX The date of last activity should reflect the last date a payment was made. There was no payments made after XX/XX/XXXX. Therefore each company is reporting an incorrect date of last activity and has in fact re-aged the date of last activity on this account. Therefore this is an FCRA violation and the dispute has not been resolved. 

Furthermore, The FCRA demands that CRA use reasonable procedures to assure maximum possible accuracy of the information they report 15 U.S.C Section 1681 e ( b ). 
When a consumer disputes an item of information, the agency must investigate the dispute, and of the information can not be verified delete. 15 U.S.C Section 1681i Further national credit systems can not try to not adhere to the FCRA standards when they are reporting the account as a CHARGE-OFF on my credit profile. 

Futuremore, it is a violation for a COLLECTION company to report TIME BARRED DEBT.

if I were to consult an Consumer law attorney I could be aware damages for reporting time barred debt, reporting debt after the statute of limitation has expired, which would include monetary damages, removal of incorrect reporting, attorney fees, and statutory damages.
Product: Money transfer, virtual currency, or money service

THIS IS NOT A DUPLICATE COMPLAINT. THIS IS A RESPONSE TO THE COMPANY. 

I have submitted my LEGAL documentation and BILLs that they wanted to use for my " ADDRESS VERIFICATION '' process so I could use my account. Its been now 3 months since this company froze my account but they had no issue with me depositing money from the beginning. They want to steal the money I deposited apparently. Never have I had this much trouble getting verified after submitting multiple legal documents to prove who I am. 

They said my electric bill would work but the last time I submitted this document they denied it. I tried to print another recent bill and XXXX XXXX  XXXX has an issue with their system update that will not make a recent bill for many customers. You can call them to find out or we can do a 3 way call if you think I'm lying. They offered to send me a letter of address confirmation which BINANCE refused. So I have used my GAS bill, and my WATER bill that shows my address in clear text. Yet I received an email saying that the address doesn't match. I have a PO BOX for mailing because I live in a RURAL AREA! the address I live in is shown on the bills. I live in the same neighborhood as my PO BOX as well. The government made that choice to have our neighbors go to the post office for our mail. SO I MAKE SURE ANYTHING I SIGN UP FOR HAS BOTH MY PO BOX AND MY PHYSICAL ADDRESS. Stop giving me a hard time and give me my money back now!

No one has time for this! I expect a response very soon and I better get my account unfrozen because this is unlawful to hold someone's money fraudulently as you are.

By the way I emailed the CEO and their Financial Manger and I received zero response from them. This company is terrible to say the least.
Product: Student loan

I applied for the save plan in XXXX and it was received. They asked for my pay stubs I sent them at the beginning of XXXX. I have gotten 3 different emails over the month saying I need to submit my pay stubs yet every time I call they say they have them. I submitted them on the website. I was put in forbearance in XXXX while they review my application, less than a week later my payment went from {$300.00} to {$2100.00}. When I called and asked why this happened the customer service rep told me she didnt know but I had to consolidate all my loans in order to qualify for the save plan. I called back because it didnt sound right and the next rep told me this is untrue. Thank god I didnt do it. Everytime I call they tell me my application is processing, but I get no updates and it is never completed when the rep says it is. I have been getting wrong information at every turn and it is very frustrating.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is reporting late as reported in my XXXX and Credit bureaus. This account should not be showing the current status of 30 days late since its already been paid for. It seems impossible to accrue late on an account that has already been paid. Please report the payment status positive and update all late from reporting on this account. 
XXXXXXXX XXXX  XXXX
Product: Debt collection

XX/XX/2021 Capio partners I have called and asked several times to send me a letter in writing they will not send me a letter in writing they said they would send me an email and I would need to pay over the phone and they continue to call and call and call and I continue to ask for it in writing and they deny me I will not pay over the phone and they will not send me a letter in writing. I have tried to clear this debt up but I will not do it over the phone.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that DO NOT belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that DO NOT belong to me. These companies have refused to work on disputes even though they are required by law to do so. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID, Proof of XXXX with my most recent XXXX
Product: Debt collection

I received a letter XXXX XXXX, 2017 regarding intention to file a lawsuit about a payday loan debt that I have no knowledge of and do not owe. I disregarded the letter because it appeared to be a scam. There was a company but no signatures or any legal information or debt verification. I did however contact the company by phone and asked for specifics. I was not given any information and the individual was rude and very threatening about suing me if I didnt pay {$510.00} out of {$900.00} they said was owed. I was contacted again by text XX/XX/2017 stating legal documents were to be served and I needed to get in touch with them. When I contacted the number to let them know they had inaccurate information the person on the phone was very rude and would not provide anyone I could talk to above them. I do not know whatever this debt is. I have been a victim of identity theft in the past and I have evidence and report number. I do not want this company to harass me any longer
Product: Credit card or prepaid card

No direct access to your funds not telling consumers you have to email and upload documents to use the card. And not approving the card for access in a timely matter.
Product: Debt collection

Midwest Recovery Systems added collection to my credit reports without my knowledge ; and in doing so, violated the FDCPA Collection Practice by placing a collection account on my credit report without sending a letter to me. 

I request that Midwest Recover Systems verify the following information. 
1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law. 

If Midwest Recovery Systems is unable to provide the above identifying account information, this account must be deleted from all CRAs. 

Midwest Recovery Systems also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law.
Product: Credit reporting or other personal consumer reports

I submitted letters to XXXX and TransUnion regarding several outdated accounts XX/XX/2023 and XX/XX/2023. There are several accounts that are beyond the statue of limitation and still reporting that should be removed. The letters were sent certified mail. This is harming my credit and causing me to pay more in interest. The credit bureaus have removed the accounts and then added them further damaging my credit score. This needs to be corrected immediately.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : Name : XXXX XXXX XXXX Also Known As : XXXX XXXX XXXX Former : XXXX XXXX XXXX Date of Birth : XX/XX/year> Current Address ( es ) : XXXX XXXX XXXX XXXX, OH XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, OH XXXX Employers : XXXX XXXX XXXX
Product: Debt collection

Portfolio Recovery uses different phone numbers to call me. They have used more than 40 different numbers with different area codes to harass me and call all the time. I don't have any collections.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of unauthorized accounts and inquiries on my credit file. I am a victim of a data breach, and under FCRA 605 ( b ) and 15 USC 1681c-2 ( a ), I am exercising my right to have these fraudulent items permanently removed from my credit report.

The following accounts were not opened by me and should be immediately blocked and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1500.00} Additionally, I request the removal of the following unauthorized inquiry : XXXX. XXXX - Inquiry Date : XX/XX/XXXX Please consider this letter a formal dispute of the
Product: Checking or savings account

I called Suntrust Bank XX/XX/2020 to ask why my account is frozen and why I can not use my debit cards. The bank did not give a reason why and was not very helpful. This is a business account and I can not conduct business with my account being frozen for no obvious reason to me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Request for Investigation and Removal of Hard Inquiries Under Section 611 ( 15 U.S.C. 1681i ) Dear Esteemed XXXX Team, I am contesting the information on my credit report that I believe is not correct. Specifically, I am disputing the hard inquiries listed on my report that I did not authorize. In accordance with Section 611 ( 15 U.S.C. 1681i ) of the Fair Credit Reporting Act ( FCRA ), I am requesting that you conduct a reasonable investigation into these inquiries, XXXX  XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, ALLY FINANCIAL XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, ALLY FINANCIAL XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX, all creditors will be tagged also. 

The information provided has not been proven to be true, correct, or verified as required by law. Under FCRA guidelines and XXXX XXXX format standards, you are required to ensure that all information in my credit report is accurate, complete, and verifiable. Without factual proof of permissible purpose from the creditor, these inquiries can not remain on my report. 
I am specifically challenging the reportability of these hard inquiries based on the following : XXXX. You must confirm that the creditor had a permissible purpose under Section 604 of the FCRA ( 15 U.S.C. 1681b ) to access my credit file. 
XXXX. Provide physically verifiable evidence that these inquiries were authorized by me. 
XXXX. Demonstrate compliance with all FCRA and XXXX XXXX reporting standards, ensuring that the information you are reporting is accurate, valid, and compliant. 
I demand that you remove any inquiries that you are unable to verify as accurate and authorized. Additionally, I request that you provide physical proof of the following : Evidence showing the creditors permissible purpose for the hard inquiries in question. 
Documentation of the steps you have taken to investigate this matter and your findings. 
If you are unable to verify the inquiries as compliant, accurate, and valid within the legally mandated timeframe, I expect their removal from my credit report immediately. I also request that you mail me a copy of my updated credit report reflecting these changes to help me stay informed about the progress made. 
It is your responsibility to ensure that all information in my credit report is certified as true, accurate, and in compliance with applicable state and federal laws. Failure to do so makes the reporting of this information questionable and potentially unlawful. 
Thank you for your judicious attention to this matter. I look forward to receiving confirmation of the actions taken and an updated copy of my credit report. Should you require additional information from me to proceed, please let me know promptly. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX