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

I am so perplexed and doubtful about this situation. I have no idea what is going on over there at the CFPB. I have submitted the same complaints multiple times already, and you claim Im not the one submitting it. This is so absurd! So Im submitting it again and hope you are going to take steps this time. XXXX has not been acting in accordance with the Fair Credit Reporting Act ( FCRA ). I submitted a complaint/dispute about the information listed below. I was the victim of identity theft & the account listed below was opened fraudulently & without my knowledge, consent, or authority. I provided them with documents that demonstrated this legal issue but they ignored these documents. They claim they verified the account without providing me with any legal documents, contracts or verifiable proof they were opened by me. They are not adhering to section 605b by blocking or removing them from my report. Additionally, they are violating sections 616 & 617 for willful noncompliance & negligence. I need this account blocked/removed from my credit file per FCRA. 

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

On XX/XX/ 2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I got a notice from Experian that my Credit Score had changed. I logged in to see what had changed and why. My Credit Score had dropped with no explanation for a drop. No late payments, no credit inquiries, no new or closed accounts, no changed status to any accounts ... I could see no reason for the drop. At that time they showed my new dropped Credit Score at XXXX. Experian advertised " Credit Matched '' credit card offers matched specifically to my credit. I thought that if I qualified for a bank credit card that seemed acceptable it would help my credit score according to Experian, as not having a Bank Issued Credit Card lowers my overall score. So, since they have " Credit Matched '' offers specific to my credit, I can't really lose. I found a Credit Card offer that was offered by Experian specific to my Credit from XXXX XXXX for the XXXX XXXX XXXX XXXX. I applied. I was turned down. When I got the letter of explanation from XXXX XXXX they state that Experian submitted my credit score showing it as XXXX. Why is Experian showing me a score of XXXX and showing others my score is XXXX?
Product: Debt collection

I have asked for a debt violation time and time again. Pursuant to 15 U.S.C 1692  ( b ) upon receipt of this rescission i am not liable for any of these charges because there is no violation, and this account has been charged off which i have not benefited from this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized hard inquires on my credit report and bureau refuses to remove them after they placed them on my credit report with my authorization XXXX Inquiry XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX inquiry XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX sent a " late payment '' notice to Experian. XXXX and I worked the issue out. They sent the " notice to remove '' or retraction of the late payment to Experian on XX/XX/22 between midnight and XXXX a.m. according to XXXX and they have yet to remove it. It is IMPOSSIBLE to reach anyone at Experian to check status but an automated menu that does not offer an option for anything but your membership billing, etc. 
They are swift to put NEGATIVE on your report but very slow to update. This took my credit down almost 50 points and I want to refinance my house asap.
Product: Debt collection

I have asked for proof of validation from XXXX  XXXX  and XXXX the debt is account number XXXX American Credit Acceptance. The debt has been charged off and closed. I would like for the account to be removed without proper documentation via section 609 of the FCRA
Product: Credit reporting or other personal consumer reports

Incorrect demographic information. This is not my information, name is listed on this account is XXXX XXXX XXXX, this is incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX XXXX are both reporting incorrect information to XXXX and TransUnion about account number XXXX. Not sure how an account that has supposed to had been verified, have so many erroneous errors and different information. All are reporting different open dates, Reporting dates are different on all of them, last active dates, and none show any payment history. Not to mention, does this account belong to XXXX XXXX XXXX or XXXX XXXX XXXX? 

Please remove this unverified account, and inaccurate account form my credit profile.
Product: Payday loan, title loan, or personal loan

Was approved ( not stated as pre-approved but actually approved ) for {$2900.00} on XX/XX/2021 then denied on XX/XX/2021 after they received all my banking info and links to my bank account. Really feel like this is a bait and switch tactic to get all your personal information. They replied that so much had changed on my credit that they couldnt actually give me the loan they approved me for. I linked all my bank information to them and I feel like I have been scammed.
Product: Credit reporting or other personal consumer reports

debt not mind wrong address wrong birthday inquiry not authorize collection not mind wrong reporting of everything
Product: Money transfer, virtual currency, or money service

I believe that it was a mistake to close my PayPal account. I am using my Paypal account for my XXXX XXXX XXXX since XXXX. Latest transaction that was put on hold was on XX/XX/XXXX amounting to {$140.00}. My paypal account : XXXX has stucked funds in it that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and Godbless.
Product: Mortgage

Bank of America has decided to make banking decisions on social policy rather than on sound business decisions. How can banks deny banking services to perfectly legal businesses? 

With all of the highly personal information that banks collect ; how long before they start enforcing their social policy on consumers? I think the banks that had such poor policies that they required almost {>= $1,000,000} of US taxpayer money shouldn't be trying to push legal businesses out of business.

We need all banks to follow the laws that apply to they and not be listening to fringe groups that encourage them to break the laws of banking. Americans need you to come down hard on banks that aren't following laws and policies that are meant to protect ALL legal businesses and people in the USA.
Product: Student loan

On XX/XX/2020 I called Fed Loan Servicing and asked why my Federal Student Loan XX/XX/2020 Payment did not show suspended because of the CARES Act. The CARES Act stated the suspension would automatically be granted and yet my account is not updated. When I reached customer service, I was told the only way the payment would be suspended would be a forbearance. That is false. There is a difference between suspending payments in accordance with the CARES Act and a forbearance. Issuing a forbearance would not count towards public service forgiveness, or traditional forgiveness after 25 years. I inquired if I suspended my automatic debit payments, would my account show delinquent after the nonpayment on XX/XX/2020? The customer service rep answered yes, and that it was nearly impossible to suspend the automatic debit because their system takes three days to update. Again payments are supposed to be suspended XX/XX/XXXX through XX/XX/XXXX without a request. She also said any suspension in payments would not count towards Public Service Loan Forgiveness, again false. I asked to speak to a supervisor, and she said no supervisor was available for the foreseeable future, but took my name and number to call back later. Therefore I have been put in an untenable situation. If I stop payments at my peril to receive the federal assistance that has been granted to me, I was told my account would be in default. Fed Loan has not been proactive, cooperative, or responsive. Fed Loan has interpreted the CARES Act in a way that is beneficial to Fed Loan and ignores the benefits guaranteed to the Student Loan Holder. Fed Loan Student Loan Account holders deserve better.
Product: Credit card

I received a letter and an email from Chase Credit Card Services saying my payment was overdue. I dont have a Chase card. Im pretty sure Ive never had one. I called the number on the letter and they wanted a lot of personal information. I gave them my name which made the woman sound smug but wouldnt give the last 4 of my social or my mothers maiden name. I hung up.

I dont know if the letter and email ( which I deleted without opening ) are a scam or if someone opened an account using my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX XXXX XXXX is incorrectly reporting a collection on my credit report. I have no knowledge of this account and I am not responsible for any debt reporting from this company. This account that is being reported negative on my credit report does not seem to be reported accurately and legally per FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 section A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666b : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Product: Credit reporting or other personal consumer reports

PERSONAL STATEMENT CFPB I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXXXXXX : Account number : XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

I received a letter in the mail today XXXXXX/XX/XXXX from acension recovery management llc stating they are trying to collect a debt that I owe XXXX XXXX XXXX XXXX XXXX. I am unaware of this debt and tried to call the number provided to dispute ( XXXX ) and also the number on their website ( XXXX ) multiple times to each number and my call never gets answered nor do I have the option to leave a message. The letter states I have 30 days to dispute this charge which I am trying to do but nobody answers the phone at either number during business hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to report my account as a joint holder when the account belongs to my son i have no knowledge of the account. I requested from XXXX documents showing my signature that i authorized to be a joint account holder and received nothing from XXXX. 
Also i have disputed this numerous times with EXPERIAn and they stated that they verified. i also requested under FCRA method of verification and they failed to respond
Product: Checking or savings account

Last XXXX chase bank closed my bank account for no reason, without giving me any explanation, and my credit cards were deactivated, which had a great personal impact on me.
Product: Credit reporting

In my previous complaint Equifax states " Equifax has reviewed your complaint and its records regarding your dispute. Please be advised XXXX XXXX XXXX and/or XXXX XXXX XXXX are not reporting on the Equifax credit file. Written confirmation has been mailed to you. " This is not true as of XXXX/XXXX/2016 as the item still is being reported on my equifax credit file per the attached screenshot of my Equifax credit report. 

Their original statements do not match their action.
Product: Credit reporting

I do not know what this account is for or why it is on my credit report. I have never heard of XXXX XXXX.
Product: Mortgage

SLS bought my mortgage from RPM a few months ago right before my homeowners insurance on the property was due. My account is set up for impound of property tax and insurance. My insurance broker called to say SLS was refusing to pay my homeowners and that it was now my responsibility to pay? After several calls by my insurance broker, XXXX and myself they still refused to pay. After being given an extension by the underwriter of the homeowners insurance ( Allied ) and getting nowhere with SLS, I literally only had a few hours to pay the homeowners myself or I would have to find another homeowners insurance since XXXX was fed up with this whole mess. Because I like XXXX, I went ahead and paid it even though it is not my responsibility since my mortgage is impounded for both tax and insurance. SLS is not a very professional company from what I have seen & people need to know to try and avoid them, this situation went way beyond and should have been resolved in a few minutes. I want a full refund and an apology from this horrible company for wasting countless hours of people 's time in this matter. Thank you.
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. 

Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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 an 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 or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned about : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a notice from Experion indicating information had been reported to them by a creditor. When I reviewed my credit report, there was an item listed from XXXX XXXX which indicated a past due balance. It listed the original creditor as XXXX XXXX. Since I have never had an account with XXXX, I disputed the information. Experion came back that they reviewed the information and determined it was accurate. Since it is not my account, it is obvious that they are completely incompetent to be in possession of sensitive financial information.
Product: Credit reporting or other personal consumer reports

Immediate Deletion Request Due to Inaccurate Reporting and Violations of Consumer Protection Laws Dear Credit collection, I am writing to formally dispute the validity and accuracy of the collection account referenced above, which is being reported to the credit bureaus by your company. This account contains errors and violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 and the Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692. As such, I demand the immediate deletion of this account from my credit file. Violations : Failure to Provide Validation : According to FDCPA 15 USC 1692g, debt collectors must provide verification of the debt upon request. I have not received any valid documentation proving this debt belongs to me, nor have I signed any agreements with your company. Failure to validate this debt within the legally mandated time frame is a violation of federal law. Inaccurate Reporting : Under FCRA 15 USC 1681i, any inaccurate or unverifiable information must be corrected or deleted from the consumers credit report. The reporting of this account as a valid debt without proper validation is a breach of this regulation, and I have the right to have it removed immediately. Violation of Privacy : Sharing my private information, such as my Social Security Number ( SSN ), without my explicit consent, and continuing to report this account on my credit report, constitutes a violation of my privacy rights. According to the Gramm-Leach-Bliley Act ( GLBA ), creditors must safeguard consumer information and ensure it is not misused. Deceptive Practices in Collection : Under FDCPA 15 USC 1692e, it is illegal for a debt collector to use deceptive means to collect a debt. Without proper validation, continuing to report and attempt collection on this debt is a deceptive act and a violation of federal law. Legal Demands : I request that this account be immediately removed from my credit report across all bureaus ( XXXX, XXXX, XXXX ) due to the above violations. I request that XXXX XXXX XXXX cease any further collection attempts and communication regarding this debt, as required by law. I request written confirmation within 30 days that this account has been deleted from my credit report and that no further action will be taken. Failure to comply with this request may result in legal action, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing claims for damages as allowed under federal law. Please treat this communication as my formal notice under FDCPA 15 USC 1692c, that I wish to have no further contact from your agency, except for written confirmation of the deletion. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit-worthy people by reporting erroneous false information. I did exactly as the FCRA required me to do and first contacted Equifax about the horrible mistake. They sent me a letter stating that they verified the information. PISH POSH I say. I dont consider sending some computer-generated generic letter verification. Why dont you actually research my account history this time and see the errors yourselves? After doing so you will see that it is false to report I was late on XX/XX/2020. Please update and correct my account right away. 

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

Dear Sir or Madam ; The Information Listed Below, which appear on my Credit report does not Relate any transactions that I have made. 
This is the Result of identity Theft. Please Block and remove these Fraud Accounts off My credit. 
Pursuant to section 605B of the Fair credit reporting Act, and send the required Notifications to all Furnishers of all Information. 
thank you for your time