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

PENFED is suppressing ( NOT reporting ) my payment history on my POSITIVE installment TradeLine. PENFED is also currently reporting negative information, proving that their suppression of my POSITIVE payment history is punitive, retaliatory, harassing, and deliberate. PENFED is violating my FCRA rights and is causing me great hardship regarding finding an apartment and employment. PENFED is also preventing me from obtaining credit at reasonable rates. PENFED CAR LOAN XXXX ( on my XXXX Credit Bureau Report ) clearly shows UNKNOWN PAYMENT HISTORY. I have filed numerous disputes with XXXX and PENFED to correct this, but XXXX claims that PENFED is NOT REPORTING the POSITIVE payment history. PENFED must restore my POSITIVE payment history, which was listed on my XXXX file previously but is now not being reported by PENFED.
Product: Credit reporting or other personal consumer reports

ILOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( XXXX ) that I have made. It is the result of identity Theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

In light of the recent news about Equifax issuing millions of consumers inaccurate credit scores, it pains me to know that Equifax has participated in countless fraudulent and erroneous behaviors and acts that has negatively affected my character, reputation and mode of living. 

As a federally protected consumer, I have a right to privacy! A consumer reporting agency shall not share my non-public personal information without prior written or oral consent from me as the consumer. Pursuant to 15 USC 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose : ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Pursuant to 15 USC 1681b ( a ) ( 2 ) - Permissible Purposes of consumer reports ( a ) In GENERAL Subject to subsection ( c ), any consumer reporting agency may fu
rnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Equifax had no Permissible purpose to obtain or share my consumer report or anything contained therein with ANY PERSON, WITHOUT MY CONSENT. No consent is identity theft!
Product: Money transfer, virtual currency, or money service

we opened a bank account for our company at Bank of America. We are just beginning and the deposits made to us are to start the advances to start the work for which our clients hire us. The bank is holding our money for up to 10 days, justifying that our account is new. The first time a check was deposited and we understood that it was withheld while the funds were made effective from one bank to another and it took 9 days to deliver the money, although our client had already had the money deducted from his bank account, and yesterday first XXXX a client deposited us a cash check to avoid the withholding of money and that the funds were available quickly and today we record retention of the check and that the funds will be available on XX/XX/XXXX. We are a company that is just beginning and this situation is affecting us because our company may be forced to close due to lack of resources and we are giving our clients a bad image by not being able to start the work for which they hired us on time.. The first deposit was made with a check for {$25000.00} on XX/XX/2022 and the money was in our account until XX/XX/XXXX, The second deposit was made with a cashier 's check for {$10000.00} on XX/XX/2022 and they say it will be available until XX/XX/2022. We contacted Bank of America and they tell us that the only solution is to wait
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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, 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I co-sign a student loan for a family member. They started to get repayment statements before finishing college. They tried to defend the payment but the bills continue coming and they unable to make any payment on the loan. That was back in XXXX. The debt was several time through out the years. National collegiate student loan trust has law suit against me to garnish my wage has the co-signer which I can not afford. I am a one year apprentice program. 
This is a old debt that was charge off by the original company. If I had the money I would try and settle with them but I dont have it. Please advise if there is any other option I can take. I think it should be against the law for the practice of buy debt that has been charged off for pennies on the dollars to sue for these outrageous amount of money plus all interest for all these years.There is no protection for us against these debt buyers. Thank you for your time.
Product: Debt collection

On Thursday XX/XX/2020 Paramount Recovery contacted me stating that I owed a medical debt from XXXX XXXX XXXX XXXX in the amount of {$1200.00}. I spoke to a old female over the phone. She stated how did I want to take care of the debt, and responded that I already dispute the account multiple times and that credit agencies have removed the account before. The representative stated this debt was moved to a new office, and this is why the collection reappeared on my credit report. I stated that if Paramount Recovery wanted me to accept responsibility for the debt that I wanted a detailed billing statement of the charges from the original " doctor visit '', and not some generic letter head from the collection company with the amount they are attempting to collect. I have spoke this company on many occasion, and stated that I was requesting the debt to be properly validated. Multiple time the collection agency states that they are going to send validation in the mail, and it is going to take up to 30 days to be received. During this time the collection agency is holding my credit and credit score hostage negatively affecting my financial situation during this world pandemic. They purposely drag their feet by taking their time to resolve this matter as a dirty tactic to try to get me to settle the debt out of frustration. Finally, but not least they are very rude over the phone. They state that this debt is my responsibility, and they don't have to provide any proof that the debt is mine. They always pass me along to another line that has no one on the other end of it, or they just hang up, because they don't have the proper answers for me.
Product: Money transfer, virtual currency, or money service

Im writing to express my concerns with Zelles handling of disputes, particularly with recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of times and reporting discrepancies, my financial institution has failed to properly investigate my claims. The CFPBs findings have highlighted Zelles negligence to findings and the protection of consumers as well as allowing repeat offenders, leaving consumers vulnerable.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX Account # XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXXhas violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I was scanning through my credit and noticed some inaccurate information and accounts on my credit report. I have two separate accounts from National Credit Services. One of the amounts is XXXX and the second one is XXXX both account numbers are listed the same, XXXX. I sent a letter to them to dispute these errors being reported and also wanted to get verification of the debt, that letter was signed for them on XX/XX/2022. I received a letter from them dated XX/XX/2022 basically saying it was verified. I then proceeded on and sent another letter to them which was received by them on XX/XX/2022 and received the exact same letter back from them, which was dated XX/XX/2022. They have failed to provide me with proper verification of this alleged debt that I owe them. I tried to resolve this issue with them, but have been unable to. I have attached all letters sent and received from the company and also sent them certified mail and attached documentation showing when it arrived to them and when it was signed for.
Product: Mortgage

My mortgage was switched over to LoanCare during XX/XX/XXXX. Beginning last summer XX/XX/XXXX, i received a notification from the XXXX Department of Taxation for unpaid taxes. My mortgage payments include the property taxes to be held in escrow every month. I have never missed a mortgage payment so I was surprised to see the taxes remained unpaid. I tried calling and emailing XXXX several times since to no avail. Every time I am actually able to get a representative or " Manager '' on the phone, the common response is they will look into it and get back to me ... It is now XX/XX/XXXX, i still havent ' received an answer and I have now had 2 requests from the XXXX Department of Taxation for unpaid/delinquent taxes ''. I am also being charged interest on the unpaid taxes. If possible, please help me because I'm afraid a lien will be placed on the property if the taxes remain unpaid. It's unfathomable a bank or any financial entity can receive mortgage payments yet be remiss in paying taxes on accounts that have been set up to whole these payments in escrow.
Product: Debt collection

I called XXXX XXXX XXXX 's billing service to set up the amount " payments in lieu of reporting ''. In late XX/XX/2018. I agreed to this with the lady at thXXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX She said the account had just been forwarded to Southwest Collections. So I called them, Southwest Collections didn't even have the paperwork yet. I asked for a payment plan of $ XXXX month in lieu of reporting. They THANKED ME with 19 Derogatory reports, all dated XX/XX/2018. I was not given the thing I bargained for and for this reason I feel I should not have to pay the amount. They are in the wrong because I said over and over I'd pay in lieu of being reported. I feel I've paid enough under the circumstances.
Product: Credit reporting or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

Items that need to be disputed : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt or credit management

The credit management company put information on my credit report without my written permission.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : ABILITY RECOVERY SERVICE
Product: Credit reporting or other personal consumer reports

In late XX/XX/2022, I discovered that a charge-off account had been added without any prior communication from Equifax, XXXX in considerable damage to my credit history. 

Despite numerous attempts to rectify the matter, Equifax has persistently refused to remove a charge-off account from my credit report, causing substantial damage to my creditworthiness. I have submitted disputes, requesting verification documents for the account, but Equifax has not taken the necessary actions to correct this reporting inaccuracy. I am at a loss as to why Equifax continues to ignore my pleas for resolution. 

I have provided supporting documents to highlight the inaccuracies in the reported information. And Despite multiple attempts to resolve this matter directly with Equifax, the issue remains unresolved. 

I kindly request the Consumer Financial Protection Bureau 's intervention in investigating this dispute and ensuring that Equifax adheres to the Fair Credit Reporting Act. I believe that a fair and accurate representation of my credit history is essential, and I trust that your involvement will facilitate a resolution.
Product: Credit reporting or other personal consumer reports

Credit inquires appeared on report from a dealership that was not authorized by me.
Product: Credit reporting

I disputed this item with Equifax and a proper investigation was not preformed according to the FCRA
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance XXXX : {$3100.00} XXXX XXXXXXXX Balance Owed : {$2500.00} XXXX XXXX Balance Owed : {$5000.00} XXXX XXXXXXXX Balance Owed : {$140.00}
Product: Checking or savings account

EAST WEST BANK returned two 'so-called ' recalls ( around XXXX USD ) without informing us, also without checking our clear evidence shows the 'recall ' were invalid ( payer took a selfie with a clear statement can easily prove the payers lied to their banks )., which has caused us huge loss. 

Meanwhile, EAST WEST BANK said was going to return the rest of XXXX USD ( regardless we have submitted evidence from each payer 's photo selfie, which shows the payment was legit ). 

If a bank can return a payment like this, how can we trust the bank anymore? How can we guarantee the money in our account balance is belong to us?
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/XXXX I sent out a letter to XXXX over several inquiries that were either fraudulent or incorrect to date XXXX has removed some inquiries but have failed to remove all inquiries listed in dispute without informing me why some would be removed and not others. XXXX has failed to let me know what Data furnishers they have contacted and what companies they reached out to to validate these inquiries. I have a fraud alert on my credit file so these inquiries should have never been placed on my credit file because I never verified my identity with any body that would result in a hard pull on my report. Companies include : XXXX XXXX XXXX - XXXX, XXXX XXXX/XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX - XXXX, Equifax has not yet removed any of the fraudulent/inaccurate items or responded to my dispute as of yet. Disputed inquiries for Equifax include : XXXX XXXX - XXXX, XXXX XXXX XXXX XXXX - XXXX, XXXX - XXXX, XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX XXXX - XXXX. XXXX has not responded or deleted several disputed fraudulent/inaccurate inquiries as well. XXXX inquiries include : XXXX XXXX - XXXX, XXXX - XXXX, XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX - XXXX, XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX  - XXXX, XXXX - XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XX/XX/XXXX and XX/XX/XXXX have violated my rights by reporting incorrect accounts that don't belong on my credit report. I have written these companies 3 times and I haven't seen or received any updates. This is unfair that I have to deal with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

" THIS IS NOT A DUPLICATE NOR IS THIS COMPLAINT BEING FILED BY A THRID PARTY. IAMFILING THIS COMPLAINT MYSELF. PLEASE SEE THIS COMPLAINT IS PROCESSED TOTHELETTER OF THE LAW '' Experian, XXXX, XXXX XXXX XXXX XXXX are failing to comply with FCRA laws. I have filed a police report, an identity theft report & reporting I was a victim of identity theft to all parties. The following accounts were opened without my knowledge, authority or consent & I need them blocked from my credit file & internally with XXXX XXXX. I'm again attaching a police report, identity theft report, my photo ID and local address document. Please see the following information is removed from my report. XXXX XXXX Accounts # XXXX, XXXX & XXXX. Also the following address is not mine XXXX XXXX XXXX XXXX XXXX & there is some social security which is not mine either - XXXX. Please see that all this information is blocked from my records...
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters and my FTC report, and the company has still not responded. 
on XX/XX/23 i mailed my dispute letter, on XX/XX/23 i mailed my 609 letters with for me with all the information requested for me, on XX/XX/23 i sent my FTC report and still no response, i requested proof of the allege accounts belonging to me, i haven't received a response. On XX/XX/23 i sent another 609 letter.
Product: Credit card or prepaid card

XXXX-Balance transf {$6600.00} XX/XX/XXXX. Trans fee {$200.00} XX/XX/XXXX int charge {$46.00} XXXX called AMEX..was a blance transf with no interest. They will take care of it. 
Rec letter dated XXXXthey are working on it. 
XX/XX/XXXX Int charge {$81.00} XXXX called and spoke to XXXX. She sees I called before. They are still working on it. 
XX/XX/XXXX Int charge {$82.00} XX/XX/XXXX called and spoke to XXXX. Put on hold. She spoke to supervisor and got authorization to process adjustment of {$200.00} Didnt see the adjustment so on XX/XX/XXXX called and spoke to XXXX.he told me they are working on it. I asked to speak to a supervisor. I talked to XXXX and again explained it should be an easy fix. My statement shows the {$6600.00} as a purchase not a balance transfer. She said management is aware of the problem. I asked to speak to management. She put me on hold and came back and said they werent available but could call me back. After a 27 minute call with no results, I said no thanks. 
XX/XX/XXXX Int charge {$73.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I could not submit a complaint with XXXX it would not submit my complaint about aqua finance for the amount of {$7200.00} total payback the original loan amount was for {$6000.00} dollars, date of loan XX/XX/2012. Loan type : installment sales contract which is used for purchasing machinery or large equipment so I would like a copy of a deposit to my bank account for that amount or a copy of a cashed check, a copy of a invoice or title copy for any machinery or large equipment that a installments sales contract is used for, and I would like a copy of this installment sales contract and a deletion of this false record by aqua finance or they made some terrible mistake, but it is a defamation of  character to my credit record so can you help furnish proof of all the records I'm requesting?