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. 

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number XXXX XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/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: Vehicle loan or lease

On XX/XX/2023 went into the car to be a co-signer for a vehicle priced @ XXXX upon doing the application first they had you to electronically sign your name, after completing the application and going over Buyers Order. Nothing was discussed or shown about apr or all other misc. add on. Did not know about the outrageous charges untill I received the first payment notice in the mail.That 's when i made an account was able to see the outrageous cost of the vehicle.I called the bank and the young lady stated that the dealer was supposed to give me a copy of the bank documents The young lady stated she will mail me the information of the agreement. These are not the terms I agreed upon. I tried calling the dealer concerning why i was not told or shown or given the disclosure of the bank 's interest rate and high apr but to no avail. I have texted the number that was given no avail. If I was informed of the outrageous prices I would never have purchased the vehicle. The dealer sold me a car under false pretense.
Product: Student loan

I've had a student loan since 2002 with an original amount of {$34000.00} between two consolidation loans. I currently owe {$43000.00}. I've used the maximum amount of deferment and forbearances due to financial hardships. I wasn't advised that income based payments were an option, and as a result, 16 years later I owe {$8400.00} more than when I started. I've been charged {$950.00} in fees and {$11000.00} in capitalized interest. I've made a total of {$17000.00} in payments with only {$3500.00} making to principal. I think my loan provider has unlawfully advised me and unlawfully acted so that I would pay more for a longer period. I believe these actions to be predator in nature.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a freeze on my credit with Experian. I wanted a temporary lift of that freeze. I used to be able to do this with my pin, but now they seem to require XXXX ) creating an account, XXXX ) calling, or XXXX ) writing a letter. None of those are viable options. 
XXXX ) Creating an account. I was going to do this, but the terms of service allow them to share my information and run a credit report and other items I don't want. They provide an option to opt out by either phone or in writing. I called and after over 20 minutes, could not get through to anyone or find any options for the supposed opt out. I sent a letter requesting " opt out '' and just received a generic informational form letter not mentioning acknowledgement or opt out. Nothing more has been received after almost a month. 
XXXX ) Calling. I was not able to find a way to undo the freeze on their phone service. The service only suggested creating an account or write a letter. ( See other options. ) XXXX ) Writing a letter requires sending social security number, birthdate, and other personal information all together in a letter. This is unsafe and unfair to force me to send my personal information in XXXX letter via mail. 
I need a simple way to temporarily lift my credit freeze without giving away personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a debt on my credit that is not my debt almost 5 times now. I have asked experian to investigate this issue properly. I asked for them to please ask the credit company XXXX XXXX XXXX who is reporting I owe {$4000.00} for XXXX. This is not my debt, I have never opened a account with XXXX for {$4000.00}. I have asked experian to request proof of this debt as the law states. There has been no proof of what Goverment Issued ID was used to open this debt. What city and state was this debt opened. This company XXXXXXXX XXXX XXXX  just writes that the debt is valid and experian just keeps it on my debt. Under section 611 of FCRA they have to actually do some investigation work and verify this debt is real and my debt. Its caused problems with my life. Also how would XXXX  let someone have a {$4000.00} phone bill!!! phone bills on average are {$140.00}. This is a fraud debt and needs to be removed immediately. Experian is just using a computer generated system to get a response from XXXXXXXX XXXX  and all they have to do is say " yes '' the debt is valid and experian reports this!! Experian and XXXXXXXX XXXX  should be responsible for the problems this has caused me and my family and it shouldnt be up to the consumer to seek legal action when experian isnt following the law. They should not be allowed to control a debt score if they dont follow the law
Product: Credit reporting or other personal consumer reports

I have been contesting for 1.5 years with both experian and XXXX about inaccuracies on my credit report with my XXXX XXXX  Everytime I submit a dispute they say it's been " investigated '' and the information is accruate. I have emails, letters, and phone calls with upstart saying that they havbe not reported ANYTHING late, and they have no record of either credit agency contacting them for an investigation. I want the late payments removed from my credigt but they refuse EVEN WITH DOCUMENTATION from the creditor.
Product: Bank account or service

Just as what happened at XXXX XXXX XXXX whom transferred my account without my consent to Huntington Bank monies were removed via late fees which now are getting close to {$1000.00} per month for the last 3 months. several times late fees were changed to my account without any reason at first they were removed now they 're getting worse. I called and requested that charges be removed and my account audited for the year. Bank officer on phone XXXX said they would send me a email how to get a audit, the email never came. I requested this on XXXX/XXXX/2016. Now I have filed several complaints which have proven with paperwork to be correct but I have never been refunded on any of the cases I filed with CFPB, FTC, DOJ or any legal agency even though my paperwork was use to prove cases. This I believe is a criminal organization which seems to get people inside banks, agencies to commit fraud then violate me in trying to protect reputation including Federal agencies whom I sent paperwork and went in person to give paperwork to FBI, IRS etc. As for CFPB I have received after filing complaint a call which states that I should call a phone number I do so but the number never answers and phone company states number out of order. Just In the last several months means to directly contact Huntington has gone from website there is n't any chat, email or a direct address to headquarters when there used to be able to do so online. 
In conclusion I have filed similar complaints sent in evidence as I did for my former home address when several banks fraudulently use a similar address to mine to file fake mortgages then when I reported case to FBI and police cases would be filed without trial to protect government officials involved in fraud. ( XXXX XXXX XXXX XXXX XXXX XXXX, MI. XXXX ). I sent in claim paperwork to DOJ law firm in XXXX and have heard nothing for the last 3 years, likewise for my bank complaints like XXXX and now the same thing at Huntington Bank.
Product: Credit reporting or other personal consumer reports

Subject : Final Notice Demand for Deletion of Inaccurate Information Under the FCRA To Whom It May Concern, I am writing this final notice regarding an ongoing inaccuracy on my credit report, which I have disputed multiple times without resolution. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, you are required to investigate and correct inaccurate information. However, the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) continues to be misreported, in violation of federal law. 

Errors in Reporting : The balance update date is listed as XX/XX/XXXX, which is a future date, making it factually impossible for this information to be accurate. Reporting unverifiable or incorrect information violates 15 U.S.C. 1681e ( b ), which requires credit bureaus to maintain maximum possible accuracy. 

This account was charged off in XX/XX/XXXX, meaning the creditor has already written off the debt. Yet, it continues to be reported as past due in XXXX, which is inaccurate and misleading. 

Charge-offs should not be continuously updated as past due. Per the FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers can not report information they know or should know is inaccurate.

Since I have disputed this account multiple times, and it remains incorrect, this constitutes willful noncompliance, which is a violation of 15 U.S.C. 1681n and will result in legal action.

My Demands : 1. Immediate deletion of this account from my credit report due to its inaccurate and unverifiable nature. 

2. A written confirmation stating the removal of this incorrect information.

3. An updated copy of my credit report reflecting the corrections.

If this matter is not resolved within 7 days, I will escalate this issue by filing complaints the Federal Trade Commission ( FTC ), and the XXXX and I will pursue legal action for damages as allowed under 15 U.S.C. 1681n. 

This letter serves as formal notice of your legal obligations, and failure to comply will result in further action. I expect your prompt response. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from NCTUE on XX/XX/20 stating that a negative entry had been made on my data report. 

I have made repeated calls to their automated system to obtain that report and the process fails every time. It has me input my social security number and the numeric portion of my home address. Each time the system tells me that my data report has been located and then says that " There was a problem processing your request. Please try calling again later. '' I have called several times this week with the same result. They provide no other means of contacting them other than via the useless and broken automated system. I have a legal right to that data report and their incompetence is denying me that information.
Product: Checking or savings account

XX/XX/2020 After giving PNC three months and five opportunities to resolve an authorized debit, I am requesting your help.

At first it appeared that the situation was handled appropriately, my account was temporarily credited, a new debit card issued and transaction dispute initiated.

From that point on I received the same PNC dispute form three times, no response to my letters, with no specific employee or department assigned to handle my issue. I then contacted the merchant myself.

Upon calling the PNC contact number I inquired where to forward information from the merchant stating that they have no record of a transaction from my account and was advised not to, only that they would re-open the transaction dispute and send the same form.

It appears PNC has not used any of their fraud investigation resources  and has no intention of doing so. Attached please find all my previous correspondence. As of today, I still have not received a response to my letters. At this point I wish to recover the {$99.00} fraudulent debit and be done dealing with PNC forever. 

Thank you for your time, ________________________ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for These Violations
Product: Credit reporting or other personal consumer reports

To whom it may concern, I, XXXX XXXX, never gave ( Equifax, XXXX, or XXXX ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 
I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

You also do not have any permissible purpose to furnish my personal information to any third party. 
15 USC 1681b Permissible purpose of consumer reports IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 

As a consumer, I am demanding a deletion of the following account : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  Sincerely, XXXX XXXX
Product: Debt collection

To Whom It May Concern, I am submitting this complaint regarding an alleged collection account reported by Jefferson Capital Systems XXXX XXXX XXXX XXXX and XXXX  failure to require proper validation. 

I first received a letter from the collection agency around XXXX XXXX, in which they alleged that I owe a debt. In response, I exercised my rights under the FDCPA and requested validation. The collection agency provided some documentation about the alleged debt ; however, the bill of sale does not reference the specific account they claim belongs to me, nor does it provide a clear chain of assignmentboth of which are necessary to establish their legal right to collect. 

Due to this lack of sufficient validation, I sent a letter in XX/XX/XXXX requesting that the collection agency remove this unverified account from my credit report. As of today, they have failed to respond. Despite this, XXXX has marked the debt as validated without requiring the collection agency to provide proper documentation proving that this alleged debt belongs to me. 

I believe this violates the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) because : The collection agency failed to provide proper documentation proving ownership of the alleged debt. 
XXXX reported the debt as validated despite the lack of sufficient proof.
Product: Debt collection

XXXX : Has reported my debt twice  that i owe them and this is not true this is illegal they have called me several times and send me letters to pay them. I do not owe them twice  and are also reporting incorrect balances. I called Portfolio who is the other creditor reporting i owe them when its the same debt as XXXX but with a different amount. 

When i called Portfolio they told me the debt is with a lawyer and the lawyers did not want to help my case but just wanted me to pay. I need help to see what is going on here, i feel like i am being violated by my consumer rights.
Product: Credit reporting or other personal consumer reports

I was looking over my report and I saw some inquires that I did not recognize and have no clue where they came from. I tried calling the companies listed on the inquiry but I have no connection or accounts with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a negative remark on my credit report. A bill that was paid over a year ago. I have confirmed with both the XXXX XXXX  and the collections dept that the bill was paid, yet still a year later, it remains on my report. When filing a claim dispute with transunion, they claim that the info on my report was accurate, which leads me to believe this is just a generated response, because they obviously did not investigate at all. This item has affected my credit score for over a year now and my next step is legal action towards transunion. The negative on my report is with XXXX XXXX for {$880.00} from XXXX XXXX XXXX  and again, this bill was paid in XXXX of 2021. Thank you for your time. XXXX
Product: Checking or savings account

Deposit a friend check in my account bank cash the check give friend the money now they say I owe them the money back. Bank said the only way to cash the check if it clears so i guess it cleared but want me to give money back. Bank sent me a letter said they took care of the problem but put it on my credit report
Product: Credit card or prepaid card

I purchased a service contract from a marketing company, with a contract, then a soon as the contract was signed, the service was not rendered. I completely forgot about it, after a while a started a dispute and we keep fighting and the credit card company already told me that I'm out off luck at this point.,
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

On XX/XX/XXXX my ex-husbands daughter ( XXXX XXXX XXXX ) went to the XXXX XXXX My name was somehow used and I received a bill for {$2600.00} from RPM Services ( Receivables Management Partners LLC ) after the account went into collections. 
The young lady is my ex-husbands daughter. She was XXXX in XXXX. I am not liable for her XXXX medical bills. 

On XX/XX/XXXX I responded to RPM and requested proof the following : 1. That receivables XXXX XXXX XXXX XXXX has the right to seek collection of the debt. 
2. The debt balance, including any explanation of interest or additional fees.

3. The date the debt because delinquent and date debt were sold to XXXX XXXX XXXX XXXX. The name of the creditor and the account number associated to the debt. 
5. The name and last known address of the debtor and it appears in the creditors records.

6. The names and all persons or entities other than the debt collector to which the debt has been assigned. 
7. I am also requesting a copy of the original contract or document that provides evidence of my agreement to the debt. 
Copies sent to : RMP via registered mail - XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX Tx XXXX On XX/XX/XXXX I received another bill from RMP with a settlement offer of {$1800.00} and a link to credit counseling. 

This is not my debt. I am not liable for another adult 's healthcare bill. 
I am filing this complaint because the company will not respond and this is not my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Despite multiple written requests, the unverified account listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the TransUnion credit bureau XX/XX/2023, but no answer was received. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX Date Opened : XXXX XXXX Balance : {$5100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act Everything has to be 100 % accurate on my credit. XXXX Account #, has violated my rights. 

The credit bureaus stated my account was properly investigation but how is that possible if the status update is different each bureaus, all 3 bureaus payment history is inaccurate, and past due amount last reported is are all different and not correct its showing different account types on all 3 bureaus swell which This is ground for removal they also violated my rights under, 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 THESE ACCOUNTS ARE INCORRECT LISTED BELOW : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS THE THIRD TIME I have filed a complaint about an account from XXXX XXXX XXXX # XXXX. I request the date of last activity or payment any type of verification never received it. I was told that this account would be delete back in XXXX 2022 by the same company and nothing was updated properly. I request that the account be deleted at once.
Product: Student loan

Navient has reported my loans in repayment status which is causing my credit score to decrease dramatically. Student loans are supposed to be in nonpayment status until XX/XX/XXXX. I am not able to reach them by phone or email. I would like this to be corrected on all of my credit files.
Product: Debt collection

I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.