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

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian : XXXX, XXXX XXXX  Experian : XXXX, XXXXXXXX XXXX Experian : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

I have already disputed these accounts but the bureaus did not remove them, nor prove validation. 

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
Product: Credit reporting or other personal consumer reports

Under FCRA law section 605 B it is illegal to report any information without my permission on my credit report. XXXX, XXXX, Equifax they had all failed on their part I had sent documentation to them To get theses two accounts remove credit acceptance and credit collection services. I have been fighting with them about the first one for over three years, they fail to remove it without no documentation. And they fail to Remove the second one with no documentation of proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexington Law Firm promised that they would be able to remove all negative items on my credit report as well as improve my credit score by 100 plus points. They did not communicate what they would be challenging or disputing with my account. I would only receive emails sporatically informing me that they sent a letter on my behalf to date I have not received anything solid, other than their word. I have seen no movement from any credit reporting agency or collector. I've contacted them many times and to ask what exactly is in those challenge letters and they wouldnt say. They are unclear and when contacting a representative or paralegal they would inform me that they are doing their best for me but never tell me what exactly they were doing. They misrepresented what they could do for me to keep me as a client. Every time I contacted them with concern or questions they would tell me that I need to have patience. As a client I was led to believe their promises of negative item removals as well as credit score improvement yet that has not been the case. 

I called to cancel today ( XX/XX/2020 ) and was charged for a cancelation {$34.00} dollars even though they had previously explained that I would only be charged on the XX/XX/XXXX for their services. I have come to learn that such charging is illegal under the CROA laws which govern credit repair companies. 

I would like my money back for work they never performed and for the misleading way in which they took money but never assisted me. 

They charged me {$58.00} dollars to sign up in advance, then {$100.00} dollars monthly for service for 4 months and just now {$34.00} dollars to cancel. My total has been {$520.00} and change
Product: Credit reporting, credit repair services, or other personal consumer reports

I've talked to the bank & they've agreed to remove the account. BUT TransUnion has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy ... This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$24000.00}. 
Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but TransUnion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you 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. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that the following fraudulent account and inquiry be blocked and deleted from my credit report. As a victim of a data breach, these accounts and inquiries were opened without my consent or knowledge. In accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that you take immediate action to remove these items from my credit file. 
Fraudulent Account : XXXX XXXX - XXXX - XX/XX/XXXX - {$890.00} Fraudulent Inquiry : XXXX - XX/XX/XXXX
Product: Debt collection

Today is XX/XX/year> and I checked my credit reports to see if there were any changes for all three credit scores this morning. To my surprise, the collection from Transworld Systems XXXX still remains on all three of my credit reports ( XXXX, XXXX, and Transition ). My score for XXXX is currently XXXX, my score for XXXX is currently XXXX, and my score for XXXX is currently XXXX. After questioning why my XXXX score was much lower than my scores for XXXX and Transition, I discovered that the debt collection from Transworld Systems XXXX has not been removed. I filled out the Fraud Packet from Transworld Systems XXXX as the company requested and mailed it to them as Certified Mail with a tracking number on XX/XX/year>. On XX/XX/year>, it was picked up at USPS from their XXXX XXXX XXXX XXXX XXXX  in XXXX, DE XXXX with the tracking number # XXXX. In this mail, I included the requested Fraud Form completed ( provided as an attachment to the company 's response ) along with a copy of my NJ license and a copy of my Identity Theft Police Report. Every time I have called XXXX to get answers about this issue, every representative has stated I would need to call the phone number of XXXX XXXX, the manager in charge of my account. I have not heard back from XXXX XXXX after leaving voicemails with my contact information in hopes to hear back from her. I have been attempting to contact her since Monday, XX/XX/year> to no response. This has led me to request help from CFPB once again to help me get this matter resolved. I have been dealing with a lot of emotional distress with this whole situation of Identity Theft and discovering fraudulent debt collections appearing under my identity. On top of that, it is impossible to get in contact of the person handling my account at Transworld Systems Inc. since my calls have been going straight to voicemail. Please CFPB, help me resolve my issue.
Product: Credit reporting or other personal consumer reports

I don't want this in my report, they are accounts with negative information that I don't remember having. 

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

I found incorrect accounts listed on my credit report this morning, and Im confused about how they got there. While checking my report as usual, I noticed sudden inconsistencies. Refreshing the browser didnt fix the issue, as the errors remained. Because of this, Im asking for a detailed review of the documents I sent to ensure this doesnt happen again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquries on my report that i did not authorize or gave my consent to I'm not aware of these inquiries. and they must be deleted immediately from my consumer report no later than 4 days after receiving my ftc report pursuant to 15 USC1681c-2
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX IS A FRAUDULENT ACCOUNT AND COLLECTIONS WILL NOT REMOVE FROM TRANSUNION AND XXXX. XXXX HAS BEEN REMOVED AS FRAUD. SENT THE COMPANY IDENTITY THEFT REPORT, POLICE REPORT, AND PROOF OF RESIDENCY, AND STILL WILL NOT REMOVE IT. PLEASE ASSIST.
Product: Debt collection

XXXX XXXX XXXX is a debt collector representing XXXX they are reporting an account/unpaid balance I opened back in 2017. 
This should already have come off my credit report but they keep changing the date and it continues to tarnish my credit score.
Product: Credit reporting or other personal consumer reports

These inquiries were unauthorized on XXXX, XXXX, and Transunion and im a victim of Identiy Theft. 

XXXXXXXX XXXX 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
Product: Student loan

On XX/XX/XXXX, it was brought to my attention ( through the financial services office at the University of XXXX at  XXXX, where I had applied to work on a second XXXX XXXX XXXX ) that I had a loan in default status in the National Student Loan Data System.

Upon checking at studentaid.gov, it was confirmed that the XXXX  Loan was, in fact, in default. This Loan had been reconverted into a grant on XX/XX/XXXX, and so could not possibly had been in default. I contact FedLoan Servicing, the servicer of the grant, and spoke to " XXXX  '' through email ( XX/XX/XXXX, at XXXX XXXX  ), who informed me that this was an error with the NSLDS, and that I needed to contact the Department of Education. I contacted the Department of Education ( XX/XX/XXXX around XXXX XXXX ) and was informed that the Department of Education could not update the status of the loan, and that I needed to contact FedLoan to have the status corrected. I contacted FedLoan ( XX/XX/XXXX at XXXX XXXX  ) and spoke to " XXXX '', employee # XXXX. XXXX informed me that it was, in fact, a mistake on the part of FedLoan, and that the status would be updated by the end of business that day ( XXXX XXXX EST ). I checked the status again studentaid.gov at approximately XXXX XXXX   to find that the " loan '' was still listed as " in default ''. I then called FedLoan ( XX/XX/XXXX, XXXX XXXX ) and spoke to " XXXX '', employee # XXXX, who stated that she could not help me, and that she would transfer me to the XXXX  department. I was transferred to " XXXX '', employee # XXXX ( XX/XX/XXXX, XXXX XXXX  ) who stated that FedLoan could not update the status, and that I needed to contact the Department of Education in order to get the matter resolved. As I had already contacted the Dept of Ed earlier that day, and was told that FedLoan needed to update the status, I believe that I was given the " runaround ''. I am an XXXX of the XXXX XXXX XXXX, and as such am subject to XXXX  South Carolina Code of Laws Title 59 - Education Chapter 111 - SCHOLARSHIPS Section 59-111-50. Therefore, this matter being unresolved could  be the end of my career.
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. 

Here are fraudulent inquiries on my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Lexis Nexis, I am requesting my consumer disclosure report - whose request online can be found here : XXXX XXXX XXXX  Attached to this are my : - valid drivers license - social security card - proof of address This is a formal request to receive my consumer disclosure report
Product: Credit reporting or other personal consumer reports

I am writing to formally demand the removal of all negative and inaccurate information from my credit report that resulted from the XXXX data breach of XXXX, which exposed the personal data of approximately XXXX XXXX consumers, including mine. 

XXXX. My Information Was Compromised in the Breach As a confirmed victim of the XXXX breach, my personal dataincluding my Social Security number, date of birth, and other personally identifiable information ( PII ) was exposed due to Equifaxs failure to safeguard consumer data. This has led to unauthorized use of my information, affecting my credit standing. 

Under the Fair Credit Reporting Act ( FCRA ) [ XXXX XXXX. XXXX ], I have the right to demand that fraudulent or inaccurate information resulting from identity theft or data breaches be blocked and permanently removed from my credit report. 

XXXX. Legal Violations and Consumer Rights Equifax violated several federal and state consumer protection laws, and I demand the CFPB enforce my right to remove the affected information under : Fair Credit Reporting Act ( FCRA ) [ XXXX XXXX. XXXX et seq. ] Credit bureaus must ensure data accuracy. Any disputed, inaccurate, or fraudulent information must be corrected or removed within 30 days under XXXX XXXX. XXXX ( a ). 
Fair Debt Collection Practices Act ( FDCPA ) [ XXXX XXXX. XXXX ] If any debts on my report were a result of identity theft linked to the XXXX breach, they are invalid and unenforceable. 
Federal Trade Commission Act ( FTC XXXX ) [ XXXX U.S.C. XXXX ] XXXX engaged in unfair and deceptive practices by failing to protect consumer data, violating Section XXXX of the FTC Act. 
XXXX Data Breach Settlement ( Federal Court Ruling, Case No. XXXX ) XXXX admitted liability XXXX and consumers affected are entitled to full remedies, including credit correction and identity theft resolution. 
My Demands for Resolution In accordance with the laws mentioned above, I demand the following : Permanent removal of all inaccurate and unauthorized credit inquiries, accounts, and negative marks associated with the breach. 
Full compliance with FCRA provisions ensuring my credit report reflects only verifiable, accurate, and authorized information. 
A written statement from XXXX, Experian, and XXXX confirming the removal of all affected information and steps taken to prevent further harm. 
Enforcement of penalties against XXXX under XXXX XXXX. XXXX for willful noncompliance with consumer protection laws.
Product: Money transfer, virtual currency, or money service

I demand PayPal to return my money that they stole from me on XX/XX/XXXX this year the amount of {$38.00} where my account is currently on limited I am waiting for 180 days of my account so that I can transfer it but PayPal illegally stole my money, PayPal is a thief they illegally stole my money without any reason to they just toke my money... I really need help to demand PayPal to return my money back those funds on my account is blood and sweat and hard work but they suddenly stole my money please I'm begging you..
Product: Checking or savings account

Santander Bank XXXX XX/XX/XXXX {$940.00} XXXX transfer funds from my personal checking account at XXXX XXXX XXXX to my personal checking account at Santander. I accidentally put the name of my HOA building Account on the check. This was flagged by the XXXX department, they held the funds from XXXX XXXX XXXX, and did not release them into my Santander account. I went into the local branch to clear this up. They confirmed the money was from my account at XXXX bank into my account in another bank, and assured me that my funds will be available within 30 days. They never released my funds. They cleared the money out of my XXXX XXXX XXXX  account and held it in accessible to me. I have gone back on three occasions since then to be told in person that my funds will be available soon. 

They told me in person that I would simply need to add funds to account for the amount deemed fraudulent. My account remained as a negative available balance for 3 months despite having > {$500.00} in the account. I was not permitted to withdraw any money. 

After 30 minutes in person and having the banker call headquarters and escalate through multiple levels I was told I would be able to access my account if I deposited even more money. I did so and my account funds, now greater were still held. 

This time after 40 minutes in person I was told I could access my funds in another 30 days if I made a deposit. I stated this was not acceptable as I need access to My money. 

I demanded that the original transfer be returned to my XXXX XXXX XXXX account. They stated that they could initiate that transfer but that the funds might not be available for Another 30 days. Additionally, I would STILL not be able to transfer money from my Santander account. 

They held my money for 3 month. Denied me access. And denied me recourse. It is infuriating. The only purpose of this account is for quarterly transfer to an HOA account. Now I can not access that and will incur fees for out of system transfers. 

I will be closing my account and telling all my friends and colleagues how much time Santander bank wastes. XXXX is money and my money is money. And Santander no longer has the right to ask for either from me.
Product: Credit reporting or other personal consumer reports

My account with XXXX  XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports 8
Product: Mortgage

We have been trying to sell our home via short sale through CHASE HOME FINANCE. We submitted an offer to CHASE on XXXX XXXX, 2015. To this day, we have gotten no answers, just paperwork that is pushed around from office to office. The short sale was initially denied, we submitted an appeal and have yet to hear anything. This has happened on multiple occasions. We submit paperwork, they say they are working on it, and then I get a letter saying the paperwork is too old and to resubmit. 
We spoke with a representative on XXXX/XXXX/15, explaining the error in the expenses portion of our RMA. Never once did she advise us to resubmit a new XXXX. I assumed per our conversation, this was being taken care of. I advised her that the offer on the home expires on XXXX/XXXX/15. She said it should take but 7-10 days. I received a letter in the mail dated XXXX XXXX, 2015, saying they were investigating the question and they would get back to us. Is n't there a reasonable time frame in which things should be accomplished? The offer was submitted to CHASE on XXXX XXXX, 2015. Here we are 7 months later and still keep receiving letters saying the paperwork is incorrect or expired. Please help. This is absolute craziness. No one ever does any actual work at CHASE. The file just sits there and no one seems to care. This is our livelihood. We have done everything CHASE has asked of us and feel they owe us some kind of due diligence in the very least. 

This is the only offer to come in on the house in 16 months. If this falls through, our house will be foreclosed. That is totally unfair because we did absolutely everything that was asked of us and CHASE did not provide proper customer service.
Product: Checking or savings account

I received an email dated XX/XX/XXXX from my credit monitoring service XXXX  stating that there was a new bank account attempt in my name on XX/XX/XXXX. Also on XX/XX/XXXX I received an email from Axos bank welcoming me as a new checking account customer. I have never heard of Axos bank and did not initiate contact with them. On XX/XX/2023 I called Axos Bank to inquire about this fraudulent account. The customer representative could not help me but said to email my concerns to XXXX so I did. I never heard back from them. On XX/XX/2023 I called Axos bank again in the hope of getting some resolution. I spoke to a customer service representative XXXX explained what was happening and she gave me a case number XXXX. She informed me that she would not be able to provide any further information. I have had no further contact with the bank or any information of this account. I did not open an account with Axos bank, and they appear to be unconcerned. Please help.