23daVinci/CFPB_Complaints huggingface dataset:
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 by federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 : 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, any other adverse item of information other than records of conviction 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: Debt collection

Beginning approximately XXXX XXXX, 2017, I have been receiving harassing " robocalls '' calls TWICE DAILY by Penn Credit Corporation 's number XXXX for a person that has NEVER lived at my residence nor do I know the whereabouts of this person that they are calling for ( XXXX XXXX ).

They asked me to contact this person to ask her to contact them to discuss her debt-related issues with them. I am not legally responsible for this person 's debts and I am not legally permitted to discuss this person 's debts anyway since I am not related to this person. I do not know her whereabouts and this person has NEVER lived at my residence.

I have attempted to call them back but have not been able to get a live person and their automated menu does not allow me to ask for customer service to request that they cease and desist their robocalls because the person they are asking for does NOT live at my residence and I do not know the whereabouts of this person they are calling for.

They are now violating the Fair Debt Collection Protection Act ( FDCPA ) by : 1 ) Repeatedly calling daily when this person they are attempting to reach has never lived at my residence and I have no information as to the whereabouts of this person.

2 ) I am not party to the debt-related issues that Penn Credit is trying to discuss with this " XXXX XXXX '' as I am not related to this person whatsoever.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote to Experian on XX/XX/2022 mailed same day, notifying them of the inaccurate reporting for the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( THIS ACCOUNT HAS BEEN REPEATEDLY REPORTED AS A CHARGE-OFF, ACCORDING TO THE IRS CHARGE OFFS AFE INCOME AND CAN NOT EVEN BE REPORTED ) I WROTE TO OPT OUT ACCORDING TO 15 USC 6805 EXPERIAN DID NOT PROVIDE THE PROPER DISCLOSURES SPECIFIED IN 15 USC 1638 THEYVE BEEN REPORTING UTILIZATIONS WHICH IS A VIOLATION OF MY PRIVACY AND 15 USC 6801 ( a ) & ( b ) THEY WERE ALSO INSTRUCTED TO REMOVE THE INQUIRIES ON MY ACCOUNT THEY VIOLATED 15 USC 6801 AGAIN
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The Experian and XXXX Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 

XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Product: Debt collection

I gave Sunrise Credit Collections XXXX Hour Notice to Cure for violations of Consumer Protection Laws as well as the Constitution for the United States ( pursuant to Article 3 Section 2 ; Article 4 Sections 1 & 4 ; and Article 6 ) and Treaties. The company has ignored the notice to cure and are using false and misleading representation and deceptive business practices during daily operations.
Product: Bank account or service

I made a {$2000.00} deposit to one of my Bank of America checking accounts on XXXX XXXX, 2016. I then had to transfer the money to another checking account to cover a payment and on XXXX XXXX, 2016 I mistakenly transferred the {$2000.00} to my credit card account ( giving me a negative balance on my credit card of {$1100.00} ). The mistake was very easy to make as the XXXX checking accounts and credit card account show up in the mobile app as though they were all similar accounts. When I realized the mistake I made, on XXXX XXXX, 2016 I pulled the {$1100.00} negative balance back out of my credit card account and transferred it to my checking account. Bank of America charged me {$61.00} to pull my own money out of my credit card account and pass it to my checking account, claiming that it was a " cash advance '' from my credit card. However, I was not using my credit card to finance anything, I was simply pulling my own money back out of my credit card account and transferring it to my checking account. After the transaction I had a {$0.00} balance on my credit card and did not take a cash advance. I called Bank of America and tried to get my {$61.00} refunded. After an hour on the phone with them they refused to give me my money back.
Product: Debt collection

I received a bill in the amount of {$300.00} from the following Debt Collector : Receivables Management. The medical bill belonged to my adult daughter, XXXX XXXX. The medical bill did not belong to me, nor am I a guarantor on the account. I called Receivables Management and spoke with a Customer Service rep and I explained everything to her. This unpaid bill was still innappropriately added to my credit report.
Product: Student loan

Submitted my annual Employment Certification Form to FedLoan, which services my federal student loans that are currently in the Public Service Loan Forgiveness program. I have done this each year with no problems ( currently on track to have loans forgiven in XX/XX/2023 ) -- after taking 2 weeks to process the very simple form ( 2 pages ) they wrote back saying that either myself or my employer failed to include the Federal Employer Identification Number ( FEIN ) so I went on the FedLoan website to reupload the form but noticed I could see what I had uploaded to them on my " upload history '' under my account on their website. I looked at the form I submitted and it was clear that the FEIN was included on the submission. I contacted customer service and they advised me to wait up to 10 business days while the account is under review. I would just normally wait, but to me this is such an easily fixable error and their response of saying " just wait 10 more business days '' to correct it, is unacceptable and, frankly, given how it is hard to comprehend how they made the error in the first place ( this is not a long or convoluted form we're talking about ) I don't trust them to get it right the second time.
Product: Credit reporting or other personal consumer reports

I Did not consent these unauthorized inquiries and inaccurate address XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested that all inquiries be removed during my dispute, as I have not applied for any open lines of credit outside of XXXX XXXX and XXXX XXXX, nor have I tried to get a me car loan
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I check my Experian After revising my credit report about late payments. 


On XX/XX/2023, I sent out letters to Experian to remove transactional history from their systems and other third parties.
Product: Credit reporting, credit repair services, or other personal consumer reports

SYNCB/PPC- XXXX : They never sent me a statement letting me know when my bills were due. I signed up for auto pay and it was never taken out. The lates that are reporting against me need to be removed. I had made contact with them letting them know I was unsure when the billing cycle was due and then the payment was not deducted from my bank in time.
Product: Credit reporting or other personal consumer reports

Request for Security Freeze on Credit Report To Whom It May Concern : This letter is to formally request a security freeze on my credit report.

I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 

My personal information is as follows : Full Name : XXXX XXXX XXXX Date of Birth : XX/XX/1974 Social Security Number : XXXX Current Address : Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 

Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have had about XXXX institutions with XXXX, and at some point it another its an issue. Whether money had been taken out twice and never returned, as well as Chase and XXXX telling me it was my fault. Someone sent me XXXX for a service, months later my bank and XXXX told me I owed XXXX and just took my money. This unfortunately caused a lots a hardships in my life as my business I just started took a major set back. I know how the climate of the times are today and Im sure I will need XXXX again, however I refuse to send over XXXX at a time again to avoid that issue. My email from chase quickpay says XX/XX/year>.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that my social security number has been compromised, resulting in identity theft. I have reported this to the Federal Trade Commission and enclosed the FTC Report with this letter. 

Under 15 USC 1681c-2 c ( a ), you are required to block and remove all fraudulent information from my credit report within four business days. The following accounts are unverified and inaccurate, violating my consumer rights under the Fair Credit Reporting Act ( 15 USC 1681 ) : ACCOUNTS BEING CHALLENGE : SPRINGOAKCAP ( Original Creditor : XXXX XXXX BANK ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SYNCB/PCRICH XXXX XXXX If you fail to respond promptly, I will pursue legal action, seeking damages for each violation under 15 U.S.C 1692k. The violations include : Defamation of Character Negligent Enhancement of Identity Fraud Violation of the Fair Credit Reporting Act Civil liability for negligent non-compliance ( 15 USC 1681o ) Civil liability for willful non-compliance ( 15 USC 1681n ( b ) ) Failure to comply with 15 USC 1692 ( g ) Violation of permissible purposes of consumer reports ( 15 USC 1681b ) Method of verification ( 15 USC 1681i ( 7 ) ) Right to privacy ( 15 USC 1681 a ( 4 ) ) Requirements relating to information contained in consumer reports ( 15 USC 1681c ) I demand immediate action to block and remove the fraudulent accounts from my credit report. I have provided the necessary information to facilitate this process and request that you acknowledge receipt of this letter and provide a timeline for resolution.

Additionally, I am aware of delays in processing consumer disputes and challenge your belief that third-party assistance justifies such delays. This is a violation of 15 USC 1681i, and any delay will be forwarded to my attorney. 

Please acknowledge this letter and provide a timeline for resolution.
Product: Debt collection

They took 3 years of Federal refund away from me. Would like my money back!! Even this year with all of Corono Virus going on. I have no job! They are crooks!!
Product: Credit reporting

Hello, I have tried to dispute this debt numerous times with the creditor XXXX XXXX now it 's been sold to XXXX {$190.00}. I do n't know what this charge is for I was told it was equipment and have sent pictures that I returned the equipment to XXXX and XXXX. When I call XXXX to find out about it they have no record of it under my name or ssn to tell me anything and I 'm not paying on something I do n't know what it is or that it 's even my debt. I have spent so much time on the phone trying to locate this said account in my name and ssn. Furthermore, I think I had XXXX at the time and if I did all the equipment and services were paid in full I want this to stop getting reported to my credit once and for all if the creditor ca n't supply any information of what it is and I ca n't call them to dispute this than as far as I 'm concerned it 's not mine and it does not need to keep showing up on my credit report. I dispute with all three credit bureaus it gets removed and then next thing I know it gets added a month or two later again and I just want it wrote off as bad debt and not against my credit. I 'm trying to buy a house and that is one reason I want this removed but I also want it removed because if I ca n't get anything and XXXX ca n't find me with my ssn whether it was charged off or not they should have something I was never sent a final bill for the service I did have so I do n't feel this is mine anyway and each time they pull my credit for my home loan this pulls up and is affecting me so please just remove this once and for all I can just pay it too it 's {$190.00} but that 's not the point it 's the principle that there 's no information on this and I 'm sick of creditors doing this to people and my mortgage broker told me that he has seen this happen to several of his clients too with XXXX and they have ended up paying it but I 'm not going to I want to fight for all the people century link is taking advantage of and hope a class action law suit gets started against them for not sending out bills for these supposed debts. If anything is found I want it sent to my address XXXX XXXX XXXX XXXX # XXXX XXXX, CO XXXX.
Product: Debt collection

Wakefield & associates Report that I owe them a Debt which is inaccurate After l no communication was made with me they reported it to my credit which is affecting my score drop 60 points and my credit to buy a house or car also they are in violation of hippa laws
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX account Opened in XX/XX/2011 credit card is reporting to XXXX the current payment status is " In Collection/Charge-off ''. This is inaccurate. The account has been paid & settled after charge off.
Product: Debt collection

Company/Creditor : XXXX XXXX XXXX XXXX : Medical business bureau Collection Opened Date : XXXX/XXXX/17 Amount : {$81.00} Issue : I 've noticed on my credit score through XXXX that I have 1 account in collections. When looking at the account it appears to be from XXXX XXXX XXXX for {$81.00} and is currently in collections with the Medical Business Bureau. I never received a bill from XXXX XXXX XXXX and do not know what this bill is for. I also have not received any communication from the Medical Business Bureau about this debt and am only aware of the collection by monitoring my credit score through XXXX and by recently having my XXXX  information pulled in order to refinance my mortgage.
Product: Credit reporting or other personal consumer reports

This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. 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.

By obtaining my consumer report without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX 260 F. Supp 2d 711 ( S.D. Ind. 2003 ). I have not initiated any transaction with your COMPANY. Furthermore, I do not have an account under 15 U.S.C. 1693a ( 2 ) with yor company for review or collection. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.
Product: Credit reporting or other personal consumer reports

I am submitting this dispute regarding late payment records on my credit report, which I strongly believe are incorrect and potentially linked to a data breach : XXXX XXXX XXXX - Account # : XXXX - Reporting Balance : {$13000.00} These records do not reflect my actual payment history, yet despite my repeated efforts to correct themproviding documentation and following up diligentlyno changes have been made. This ongoing issue has hurt my credit standing and caused unnecessary frustration. 

The Fair Credit Reporting Act ( FCRA ) guarantees my right to an accurate credit report. Any incorrect, outdated, or misleading information should be updated or removed immediately. I urge you to take swift action to rectify these errors. 

Given the impact on my financial health, I ask that this issue be prioritized. I look forward to a timely resolution.
Product: Payday loan, title loan, or personal loan

I scheduled a payoff payment on XX/XX/2020 in the amount of {$1700.00} to be transacted on XX/XX/2020. I contacted the company on XX/XX/2020 to determine the exact payoff amount because a payment would be debited on my personal checking account on XX/XX/2020 and needed to confirm if I should deduct the amount from the payoff amount. I was advised by XXXX that I should CANCEL the {$1700.00} payment and schedule a payment for {$1300.00} which would be the payoff balance on XX/XX/2020. I did as advised and cancelled the payment online on XX/XX/2020. XXXX confirmed the payment was cancelled. On XX/XX/2020 Prosper processed an ACH Debt transaction in the amount of {$340.00} which was the standard scheduled payment. On XX/XX/2020 they processed an ACH Debit on my personal checking account for {$1300.00} leaving a XXXX  balance. On XX/XX/2020 they also fraudulently processed an ACH Debit on my personal checking account in the amount of {$1700.00} against an account that had a XXXX dollar balance. On XX/XX/2020 I immediately contacted Prosper when I noted the fraudulent transaction that was not authorized. I was advised the transaction was done but would not be corrected until XX/XX/2020. I advised XXXX, XXXX and XXXX in three different conversations that the return of the stolen funds was NOT acceptable and the amount had to be returned today. They could not provide any proof the money was being returned or a transaction number of the return of the funds. They are currently refusing to return the money that is not owed in the amount of {$1700.00}. I was unable to escalate the call as they would not allow me to escalate. This money should be returned to me with interest and the company should be charged with fraud.
Product: Credit card

I XXXX XXXX, applied for a Barclays XXXX Credit Card ( APP # XXXX ) on XX/XX/24. However, I was wrongfully denied. I AM AN INVESTOR. Due to this denial, it shows that they are not properly performing the duties quoted in their indenture, thus they are BREACHING THEIR COVENANT and not performing their FIDUCIARY DUTY. Saying the reason for my denial is based upon my Credit Report is FALSE AND MISLEADING information. 
I filled out an application with Barclays Bank Delaware and they transferred my security to Barclays XXXX XXXX XXXX. From there it was then transferred to Barclays XXXX XXXX XXXX. I invested in Barclays Bank by providing them with a security ( my application ). My note was turned into cash and I didnt receive valuable consideration for it. THIS IS SECURITIES FRAUD. As stated in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXt states During the controlled accumulation period, the series monthly principal will be deposited into the principal funding account so that the total accumulated amount is sufficient to pay the stated principal note amounts on the expected final payment date. 
Its stated in their prospectus Filed with the SEC that the issuing entity will make interest payments on the XXXX day of each month. Its also stated that the issuing entity is obligated to pay the principal. In the Deposit and Application of Funds Section of their prospectus it says The Series XXXX indenture supplement specifies how Series Available Finance Charge Collections, Series Available Principal Collections and other amounts allocated to the Series XXXX notes will be deposited into the issuing entity accounts established for the XXXX XXXX notes to provide for the payment of interest on and principal of Series XXXX notes as payments become due. I attached a copy of their Transaction XXXX XXXX XXXX XXXX XXXX XXXX showing how the notes move. A description of XXXX Fundings obligations as transferor of the Receivables to the issuing entity can be found in Sources of Funds to Pay the Notes Credit Risk Retention, Required Pool Balance, Addition of Assets, Removal of Assets and Representations, Warranties and Reassignment of Assets.
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 XXXX  Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account XXXX has violated my rights XXXX Or 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 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.