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

After reviewing my credit report and notice there are some accounts that are still reporting and they are paid in full and should be deleted from my file. I have also noticed some accounts are reporting from a third party company and should be deleting because I have no signed contracts with them. 
XXXX XXXX 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

Since 2016 I have been dealing with a mixed credit profile with someone that whose first name is the same as my middle name, and we are both from Georgia but other than that no idea who this person is. Transunion hasnt even updated my credit report for the past 141 days.
Product: Credit reporting

I have been paying my Car payments on-time and within the agreed terms before XXXX of every month ( XXXX XXXX allows 10 days gace period ) as agreedtowards my Car payment to the XXXX XXXX XXXX. 
All the XXXX credit Bureaus ( XXXX, Equifax & XXXX ) have been reporting between 10-14 late payments ; although I have PAID -IN TIME. 
Kindly take necessary action againist all the XXXX bureas
Product: Credit reporting, credit repair services, or other personal consumer reports

I retrieved a copy of my credit report and immediately noted that XXXX XXXX XXXX had inserted a derogatory entry on my credit reports and had not sent me any correspondence ( dunning letter ) prior to doing which would have granted me 30 days as required by law to dispute the validity of the alleged debt. To that end, I communicated in writing ( see attached ), to the credit bureaus regarding this inaccurate, erroneous, unverifiable entry being placed on my credit reports. The credit bureau responded, see attached. The bureau responded that the company verified the information as correct. How so? A third-party collection company can only validate a debt. The original creditor is the only one able to verify a debt. Nonetheless, XXXX did not advise the bureaus to update the account status to disputed. This is a violation. The dispute with the bureaus was the first notification XXXX received and should have advised the bureaus at the time they allegedly validated the information that they should update the entry to disputed. 
XXXX did not and as you can see in the attached document, it does not denote it was in dispute. This violation in and of itself warrants XXXX to delete this entry. My continued efforts to remove this entry from my reports was with a direct dispute to the company, ( see attached ). The company responded, see attached. 
The ACA ( Affordable Care Act ) provides that a company should not report any alleged medical debt on a consumer report prior to XXXX months. XXXX XXXX XXXX violated and blatantly ignored this law. See attached credit reports whereby reflect the account was opened XX/XX/2022, and they began reporting XX/XX/2022, see attached. This was a mere XXXX  months, which definitely demonstrates their negligence. Again, no dunning letter was sent and the company inserted this inaccurate entry on all three of my credit reports. This entry is continuously updated each month which further diminishes my creditworthiness and has caused me to be denied credit. It is puzzling to say the least, that XXXX XXXX XXXX can update a derogatory entry on my credit report but not follow the letter of the law as it relates to notifying consumers and inserting derogatory information on a consumer report. 
XXXX did not furnish an agreement reflecting their authority to collect on this alleged debt in the state of XXXX. XXXX did not provide a copy of all terms and conditions of the account from its alleged inception. They did not provide the name and address of the bonding agent in case legal action becomes necessary. XXXX blatantly violated my consumer rights and continues to do so. This alleged debt lacks veracity and verification ; further since they are violating FDCPA mandates to provide me notification prior to inserting it on my credit report and ( XXXX ) failing to cease collection efforts and reporting when they received the letter of dispute, this entry should be deleted from my credit report immediately and XXXX should remunerate me for the violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. 
XXXX, OH XXXX ACCOUNT # XXXX This account never went to a charge off status, which for unsecured credit is 180-days late. This is the law that pertains to the FDIC Act, Code 5000. It takes 180-days late, or a total of 210 days from last payment before an unsecure credit trade line can be values as sub-standard. Accordingly, even though XXXX XXXX was satisfied in full, there is no exception on a charge off tradeline unless the 180-day late timeline has materialized. Therefore, the Charge-Off status is outside the legal guidelines, and must be deleted permanently. 

THIS CHARGE OFF TRADELINE MUST BE DELETED PERMANENTLY!!!
Product: Debt collection

This debt is not mine. I have attempted to have it removed and disputed on numerous occasions. I have spoke with the creditor and attempted to get it removed unsuccessfully. I have received numerous calls threatening about this debt collection. I do not owe this account or this Dad and I want it removed from all my credit bureaus immediately. To include XXXX, XXXX, and XXXX XXXX. I am in the process of seeking legal help and an attorney to pursue a lawsuit if needed.
Product: Credit reporting or other personal consumer reports

There has been fraudulent accounts made under my name, I've asked for them to be closed and not charged, these people racked up an absurd amount on each of these cards that now it's impacting my credit score and I won't pay them because this isn't me doing this. I've called before about how my cards were hacked and how I wanted a new card or if it's possible to close the account and reopen it so I can have everything completely new and be able to access the apps finally I have no login access or card access so whoever has these cards are in for an awakening because I don't think these are active anymore but there's an amount due on them
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to Transunion dated XXXX 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 XXXX, and I'm including it again. Please have these accounts repaired : XXXX  XXXX XXXX, XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account 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. This account need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX  Open Date XX/XX/2021 Balance : {$370.00}
Product: Credit reporting

I have sent XXXX certified letters with return receipts to Trans Union requesting verification of XXXX accounts they are reporting. They have responded that they verified this information however, they have not sent me any documentation of the verification information that they have in their data base. The are in negligent non compliance with the FCRA section 609. I have also sent request for verification to the orginal reporter listed certified mail with return receipt. They failed to verify any information according to Section 623 and therefor it is impossible for Transunion to have verified anything especially since they have not sent ANY requested documentation to me. I have copies of all communication sent to and received from Transunion.
Product: Debt collection

I had a valid student loan account with the Department XXXX. I sought to consolidate the debts and filled out an application to see which loans they would include in the consolidation. They would not tell me until I filled out an application. After Filling out the application I wanted to compare their offer with other options. They informed me I had fifteen days to cancel the consolidation and that I would never again be able to consolidate these loans. There was much discussion at which point I had to cancel the consolidation because the terms offered were unfavorable and unreasonable. They instead went through and consolidated the debt under unfavorable terms. They even continued accepting payments under the old terms and did not apply the payments towards my loans. I had no reason to suspect they had in fact consolidated my loans until it was too late and they refused to fix their mistake. They still refuse payments and refuse to comply with the terms of the loans I took out. I have multiple documents and notes I can submit for this issue. I need you to tell me which ones are relevant and what you need. Please contact me to discuss. Windham Professionsals is XXXX multiple companies that are either trying or have tried to collect on what appears to be the same debt.
Product: Debt collection

This stems from a fraudulent medical bill from XXXX XXXX  for services never rendered. I have beaten this fraudulent bill twice in 4 years from other creditors trying to get a quick payoff or they would ruin my credit. Capio partners has made it there goal to completely harass me for the last 3 weeks by consistently bombarding my credit report with almost {$3000.00} in small increments.The original bill was less than {$1000.00}? but every time I fight and get one knocked off my credit they come right back with more fraudulent hits. I dont understand how I keep beating them but they can put whatever lying, fraudulent and corrupt billing on my credit report and it is not even being monitored? Do we have no protection against our credit? How many times do I have to get this knocked off my credit and how many times do they have to come back with more false allegations. Eventually there going to state that I owe them {$100000.00}? Why do they have the right to put whatever they want on my credit report? What gives them the right to totally mess with peoples lives for a small payoff??????
Product: Credit reporting or other personal consumer reports

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report, and noticed some fraudulent accounts, which affect my ability to obtain credit. Please remove these accounts from my report. Thank you.
Product: Credit reporting or other personal consumer reports

I have reached out several times to Transunion about XXXX inquiries that have hit my credit profile. I have informed them that I am a victim of identity theft. They advised me they see the alert on my profile and the FTC Identity theft packet. Unfortunately they have failed to remove the inquiries off my credit profile. I told them that according to the FCRA these unverified and unauthorized items must be removed. Instead they have chosen to ignore me as a consumer who is concerned about my credit and currently in the process with the FBI hiring process. They are in huge violation. I even told them I was reporting them to CFPB if theses are not removed and the agent disconnected the line.
Product: Credit card

I transferred a balance with Discover card services in XXXX XXXX with no interest for 18 months. I have been making all monthly payments on time. I have now received a statement with an interest charge although I paid the total balance due prior to the statement due date. When contacted Discover credit card services is informing me that the interest is applied on the expiration date of the promotional APR and it not necessarily aligned with the statement due date.

Please review the practice of having two different dates for expiration of promotional APR and statement closing date with Discover card services and bring those dates in alignment to avoid confusion to the customer and subsequently fees/interest charges. 

Further to this, Discover also needs to have an efficient hand off process for the customer. I called on XX/XX/year> and spoke with a XXXX, at Discover and asked to be transferred to a supervisor, I was transferred to another representative XXXX, who did not have any clue about what was going on with the account. XXXX then transferred me to a supervisor XXXX who also did not know what my request was. XXXX also mentioned that he will have to request corporate office to review the call recording and this could take up to a day. No proper notes were made on my account by the representative XXXX. Please note that I had to spend close to XXXX minutes on this call due to poor hand off and customer service. 

Please contact Discover to provide their response, please submit this complaint to any other relevant regulatory agencies. 

Please do not hesitate to contact me if I can be of any further assistance in this regard. 

Thank you. 

XXXX XXXX.
Product: Credit reporting or other personal consumer reports

All inquiries from XX/XX/year> to XX/XX/year> have not been acknowledged by me and were not made or authorized by me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I am reaching out to formally report an issue with Robinhood, which abruptly closed my trading account without prior notice or clear explanation, causing a loss of over XXXX XXXX XXXX dollars. I feel that this action was conducted in a manner that lacks transparency and may not align with fair consumer practices. As a customer, I believe I have a right to fair treatment and a clear process in the event of account closure, particularly with financial implications. I respectfully request that the CFPB look into this issue to ensure that Robinhoods practices are consistent with consumer protection standards. Please find attached supporting documents, including account records and any relevant correspondence. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX. 

Let me know if you need further customization for any of these!
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 ( a ), " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. '' XXXX and Experian are consumer reporting agencies, and I am the CONSUMER. I have the right to make sure my private information isn't shared, which 15 USC 6801 backs that, and it states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' XXXXXXXX XXXX XXXX  is a financial institution by definition under that title. 15 USC 1681, Section 604a, Section 2, states that " In general, subject to Subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX XXXX XXXX XXXX the financial institutions, and consumer reporting agencies XXXX and Experian do not have my written consent. Any and all consents to Experian, XXXX, XXXXXXXX XXXX XXXX and XXXX XXXX XXXX, whether verbal, non-verbal, written, implied, or otherwise, are revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose non-public personal information to a non-affiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX and XXXX XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681 C ( a ) ( 5 ) states, " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information, any adverse items of information, other than records of convictions of crimes that antedate the report by more than seven years. '' This account is an adverse item ; they are reporting again without my permission, which is against the law. 15 U.S Code 1681s-2 ( 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 inaccurate. 15 U.S. Code 1681e states, " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of Section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under Section 1681b of this title. '' XXXX and Experian are not maintaining responsible procedures. Also 12 CFR 1016.7 states that " a consumer may exercise the right to opt out anytime. '' I am opting out of your reporting services. '' i
Product: Debt collection

XXXX XXXX XXXX XXXX The following number has called me on XX/XX/19 and XX/XX/19. They have also called my brother and sister leaving voicemails for me with personal information after I have told them I should be the only person contacted. They also havent provided anything in writing for me to confirm this debt or even who they are. XXXX is the woman that keeps leaving voicemails.
Product: Money transfer, virtual currency, or money service

A XXXX payment of {$1000.00} was sent to someone claiming to host a first time home buyer program XXXXXXXX XXXX XXXX but it turned out to be a scam. I contacted my bank USAA to start a dispute claim with proof of me trying to get my money back from the scammer who stopped responding to me. I also contacted USAA with more proof after my claim was denied with screenshots of others who were scammed also with hopes to get my money back being that I was proving it was all a scam. Ive been working to get my money back all year and nothing was done.
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 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 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: Student loan

PNC 's Client Relations sent a notice to the wrong address ( Luckily XXXX sent me a copy through email ). My contact has been with XXXX XXXX listed as XXXX Client Relations. I was given a form by XXXX to send Notice of XXXX XXXX under the XXXX XXXX it is called out what purpose the document is for. I notified XXXX XXXX of the mechanisms for the XXXX XXXX over the phone. The Notice I have received in response to my complaint and form is noncompliant with the XXXX XXXX Notice XXXX. From the XXXX XXXX " You requested that XXXX discharge your private student loan due to misconduct on the part of your school. Your request was forwarded by XXXX to PNC for response. PNC does not have a loan discharge program based on a schools misconduct. As a result, your request for forgiveness of the Loan must be declined. ". Whether PNC offers a loan discharge program or not doesn't effect the mechanisms of the XXXX XXXX Notice nor does it remove the contractual obligations of PNC to adhere to the mechanisms of that Notice. " PNC regrets that you have fallen victim to a scam and understands this can leave you seeking additional information on how to report such activities. You may wish to file a complaint at XXXX and with your local authorities. '' I am not sure how reporting to the authorities something that informed the public on is going to do for my situation with their loan agreement policies. Also PNC points out that it was a scam so they are still requesting I make payments on this loan knowing it is in connection with fraudalent and undelivered services " Thank you for allowing us to clarify PNCs position in this matter. '' That isn't really a clarification it is just a " We don't do that here '' response. 

Also I had reported the interactions with this employee to @ PNCBank_Help on XXXX / XXXX and was supposed to get contacted about it but that contact never happened.