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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( XXXX ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

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

i submitted a dispute on my bank, bank of america on XX/XX/2023 for the zelle transaction on XX/XX/2023 XXXX XXXX XXXX XXXX whom i received hair treatment. This hairdresser i just found in yelp and he did his service at his house. I was suppose to get hair rebond but he said my hair is too damage so he said he will just do treatment.at the end he charged me XXXX dollars for XXXX different treatments that i didnt know and agree about and as much as i want to refuse to pay him i felt unsafe being in his house and to be put on that situation so i just zelle him the payment because i want to get out of that place. The next day i message him to break down the charges- XXXX for cellophane, XXXX for reborn, XXXX for biolage and XXXX for shampoo and conditioner and i told him it was too much. The next business day i called my bank Bank of America and dispute half of the charges, i was told that the merchant is not obligated to return the funds but it told them that i felt i was mislead and that i was not informed of the multiple treatments he did, also for the price i paid the result didnt even make any difference on my hair. On XX/XX/2023 i received the email from bank of america that they did not approve my claim, so i called them and ask how the decision was made as the letter only states that the reason was the transaction was already posted on the other account. It seems that there was not enough investigation that took place see attached letter, i also mentioned to them that i could not find his license thru bureau of cosmetology neither his business license in dept of consumer affairs, that this makes it a fraud, that they should have included in their investigation, also the end result on my hair didnt live up to what i expect after i washed it. I requested to resubmit my claim, i was told to wait 45 days. I think they lack of diligence with this matter, i have been with them for 16 years, and expect they should have been more helpful to small people like me.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I summit a complaint against Pinnacle Credit Services, LLC/   XXXX   XXXX   XXXX   and they responded on  XX/XX/XXXX , I still waiting for their account to be deleted from all  XXXX  major credit bureaus, it has been more than 30-45 days and now I request to be deleted immediately.
Here is the letter that they sent.
<P/>
 XX/XX/XXXX  Consumer Financial Protection Bureau   XXXX   XXXX   XXXX   ,   XXXX   XXXX  , D.C.  XXXX  RE :   XXXX   XXXX   XXXX   XXXX    ; CFPB Case # :   XXXX   Account Number :  XXXX  Original Creditor :   XXXX   XXXX   Current Owner : Pinnacle  Credit Services , LLC Reference Number :  XXXX  Dear Sirs/Madams, This letter is in response to the Consumer Financial Protection Bureau ( CFPB ) inquiry received  XX/XX/XXXX  rega rding the above-referenced account. Pinnacle Credit Services , LLC ( Pinnacle ) currently owns the account having acquired it on  XX/XX/XXXX .   XXXX   XXXX   XXXX   XXXX   XXXX   
(  XXXX  ) is the servicer of this Pinnacle account and began servicing it on or about  XX/XX/XXXX .
Please note that   XXXX   takes its customer service and consumer protection obligations very seriously and has significant staff dedicated to its compliance-related functions in order to identify, resolve and permanently correct operational deficiencies or improve upon customer concerns.
This account originated on XX/XX/XXXX  with   XXXX   XXXX  . The last payment was received on  XX/XX/XXXX . The account charged off on  XX/XX/XXXX  with a balance of {$1200.00}. The current account balance is {$1200.00}.
All ownership rights in this account were transferred to Pinnacle when this account was purchased from the previous creditor. Those include the right to collect on the account and report to the consumer reporting agencies ( also known as credit bureaus ) in the event that the account is eligible for credit reporting. Currently, this account is being reported as disputed to the   XXXX   major consumer reporting agencies on behalf of Pinnacle. However, as a courtesy, since the legal time limit for bureau reporting is approaching on this account, a request to delete the Pinnacle trade line will be submitted to the  XXXX  major consumer reporting agencies during the next reporting cycle. Please allow 30 to 45 days for this update to occur. Previous creditors may also continue to report the history of this account from the origination date up to the time of sale.
 XXXX  received the multiple electronic disputes that   XXXX   XXXX   submitted through one or more consumer reporting agencies.   XXXX   has responded in a timely manner and provided the agency with information relevant to his dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX which is showing duplicate and with different balances, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Someone called about me opening a XXXX card in XXXX  and I stay in XXXX XXXX. Its was me and they said they was fro me the Consumer Fanancial Protection department, to wad
Product: Credit reporting or other personal consumer reports

Under federal law 15USC OF THE FAIR CREDIT REPORTING, I am untitled to a fair and accurate reporting of my credit. I have filed an identity theft report on this issue and Im looking for assistance in taking care of this issue. This is my last stop before moving to legal action against these credit agencies
Product: Debt collection

Im a Vet Whose VA Hospital sent me to another civilian hospital because they couldnt handle the situation in house. Besides being billed for this, I was also billed for the Ambulance ride. The {$1200.00} XXXX mile ambulance charge was paid off but not the Hospital. This has always been covered in similar situations but this XXXX wont go away. My Credit is taking a dive for something that isnt even my responsibility. 
Ive called them numerous times but have been on hold for over an hour on more than XXXX occasion. Still notta.
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment reported to be removed.

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

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

XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

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

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

Delete the late payments from my consumer reports
Product: Student loan

My Federal Student Loans were transferred from Great Lakes to Nelnet, effective XX/XX/2023. 
Nelnet has not reported my balance, payment history, etc., for the XXXX years of history on these federal student loans which were previously serviced by Great Lakes. 

At this moment, there is no record of any student loan on my credit report. The Great Lakes account has been closed since this transfer took place. 

I have reached out to Nelnet on a monthly basis for the last XXXX months for updates, and they have promised to correct the issue each time. This morning I was told that there was a " supression '' put on my account temporarily while they continue to process the student loan transfer on their side. 

I would like them to report my XXXX year history of on time payment, balance, etc., to all three credit bureaus immediately.
Product: Money transfers

This is a complaint against PayPal Credit for an unauthorized hard credit inquiry. It is not a complaint about sending money. 

I recently applied for a home mortgage and was surprised when my lender questioned an inquiry on XXXX/XXXX/XXXX from XXXX/PPC which I later determined to be XXXX/PayPal Credit. While I do maintain an account with PayPal Credit there had been no activity on my PPC account around the time of this *unauthorized* " hard '' credit inquiry. Additionally, my balance with them at the time was {$0.00}. 
This hard credit pull caused a delay in my securing a mortgage and I had to sign paperwork at closing attesting that I was unsure of the nature of the inquiry. Companies ca n't just randomly pull " hard '' credit inquiries, can they? 
Around late XXXX XXXX or XXXX XXXX I logged into my PayPal account and sent a message via their secure message center demanding an explanation of the inquiry. I never received a response. Additionally, messages older than 90 days are not displayed on the message center.
Product: Checking or savings account

Good Afternoon, We are having a problem with our bank, BMO Harris Bank. On XX/XX/2019 we made a deposit to a personal checking account. the deposit was a check drawn on a foreign bank account. The deposit was acknowledge by the bank teller. We got a copy of the check and a copy of the Domestic & Foreign Items Collection/Cash Letter Form. 

On XX/XX/2019, a letter was issued and mailed. It was a letter acknowledging receipt of the mentioned collection and it being presented for payment. 

On XX/XX/2019, a letter was issued notifying that the collection item was not going to be paid. The reason was THE LEGAL PERIOD FOR PRESENTATION WAS EXPIRED. On the letter is states that the item was enclosed, but it was not. Only a photocopy of the check was attached to the letter. 

Since then, the branch has not been able to obtain the original check back. The bank in XXXX requires the original check to be returned. It has been 5 months now, and the bank has no answers for me. They can not locate the original check. The letter form received when the check was deposited states that the unprocessed item was to be returned via mail. No one is able to help get a phone number for the legal department or a XXXX Rep. Is there something that can be done and can you help me? If so I can email you all the supporting documentation.
Product: Debt collection

My name is XXXX XXXX XXXX. I have previously asked Amocol for validation of these alleged debts and accounts on XX/XX/2018, XX/XX/2018 and XX/XX/2018. Twice they have ignored my validation requests that were requested through the the XXXX major credit bureaus for 3 different accounts for amounts of : {$180.00} {$1200.00} {$920.00} I have attached the credit bureau disputes for XXXX  and XXXX. 

I have asked for original documents or contract with original signatures for this. I have asked for a chain of title if account was purchased from another company. And if this is any kind of medical bill or records being shared with a non medical company without my written permission that has to be a HIPAA and FCRA violation. I am asking that these accounts be " validated '' or immediately deleted from my credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I reviewed my credit report and noticed information that was incorrect with 2 of my accounts. According to XXXX, XXXX and TransUnion I was late on these accounts, which is completely false, as I have already verified this information with the creditors. I proceeded with sending XXXX, XXXX and TransUnion dispute letters outlining what was incorrect on my file. 

TransUnion sent me a response to my dispute on XX/XX/2022 stating they did not understand the nature of my dispute, which I think is a stall tactic and violation of the FCRA, because I was very clear that I was disputing the status of my accounts, reflecting incorrect payment history. 

I have yet to receive a response from XXXX on their investigation results and it has now been over 30 days since I sent in my dispute letter. 

XXXX, XXXX and TransUnion are both in direct violation of US Code 1681a Paragraph 2, which states " Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ''.

And according to the Fair Credit Billing Act ( FCBA ), 15 U.S. Code 1666-1666j the creditor must provide me with PROOF that I was indeed late but they CAN NOT! 

As an XXXX XXXX it is already hard to navigate the stigma within this country 's financial institutions and having erroneous information reporting on my credit profile just makes it so much difficult for me to be a able to provide a better quality of life for my family. 

Please help me correct this erroneous information!!!
Product: Credit card or prepaid card

On Thursday XX/XX/19 I called Bank of America 's customer service line and asked to speak to a Supervisor in the Disputes department after weeks of calls and faxes with supporting dispute documents. The appeal process had been handled very poorly with multiple reps telling me over the phone that based on the information they received the dispute would rule in my favor only to receive rejection letters. On XX/XX/19 I spoke with a Supervisor in Disputes and told her I would like to cancel my card because I didn't like how they had handled the dispute process. She replied OK, it's closed. I asked her to explain as I was not yet prepared at that time to actually close the account and that I would like to talk to her Supervisor as I had not been told if we were on a recorded line and the proper disclosures were not read to me. I still have no idea what to do about any outstanding charges. She was extremely rude and unprofessional. I asked her again to forward me to her Supervisor and she instead forwarded me to the general customer service line. I filed a complaint then with Customer Service who said they would put in a request to have my card reopened and call me back later that evening. No one called. I called again on XX/XX/19 and XX/XX/19. No one has taken nor returned my call and the card remains closed with outstanding transactions now being declined.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained an online copy of my credit report and the name on the report is not my name. I spoke with Equifax this afternoon and informed them that the information is wrong. They told me that information has been reported on my report under that name. I asked them to provide the name of the company reporting this information and they told me they did not have that information. They asked me to mail a copy of my social security card and my id. They told me they would not remove the information that was reported and would correct name once they receive my identification.     I have sent Equifax copies of my social card and my State issued identification card several times in the recent past to obtain my credit reports. Yet, this agency has used my social security number, they have created a new credit file using a name that does not belong to me, and they have allowed companies to report false information linked to my credit report using my social security number.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( XXXX  ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I went into you store located in XXXX, NY to pick up a few items. Shopping experience was fine. At the register I was asked whether I wanted to join your frequent buyers club and get 10 % off the current purchase. I said yes. The young lady at the register was apparently not familiar with the process so she called over an older gentleman who seemed to be a more senior presence in the store. He asked for my drivers license explaining that it would be easier to enter my information. This all made sense to me at the time and I made a joke that the frequent shopper sign up seemed more intense than other stores. I told the gentleman repeatedly that I did not want and would not use a credit card. The next thing I know, Im approved for a credit that I did not ask for and do not want. At no time did I give permission to access my credit. XXXX acting as an agent of XXXX XXXX or vice versa accessed my credit without my permission and creating an hard inquiry on my credit report.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Finance Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, excepting unreliable responses and failing to adequately notify consumers of disputed outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence that I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inactions violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently bought a watch on credit. I received two hard inquiries on my credit report. One from XXXX and the other one XXXX XXXX. XXXX says its a national credit card and airline while XXXX XXXX says jewelry and cameras. I called XXXX but they told me I would have to take it up with the credit bureaus and XXXX XXXX ( the company that I actually bought the watch from ) said that XXXX XXXX is incorrect and it would not come up as cameras and jewelry. Ive looked at my paperwork Ive received from XXXX XXXX at time of purchase and I believe that XXXX XXXX is in fact the company that gave me the line of credit. So I am basically just concerned about this XXXX XXXX hard inquiry. My credit score has dropped 38 points because of these two hard inquiries.
Product: Mortgage

I was denied a loan modification. I received a short sale acceptance form from SPS to list my house as a short sale and sign and submit the form along with the listing agreement by XX/XX/2022. This was done and emailed on XX/XX/2022. In XX/XX/XXXX I was told the documents are in underwriting and were received. On XX/XX/XXXX I was told that the short sale was denied because the sale date was too close. A supervisor helped to try and correct this with a dispute stating we sent the documents before the expiration date and the short sale should have been opened.
Product: Debt collection

LTD Financial Services is fraudulently attempting to extort monies from me fully knowing that I did n't, or ever have signed ANY document, agreement, or application with them. 

Per Federal Law, they have NOT provided any of the above mentioned documents, and need to immediately cease with their fraudulent extortion attempt.
Product: Checking or savings account

My account was hacked through XXXX and as I was told by my bank to try to get the money back from the merchant I did but they didnt help me at all. So I was told to try to get the bank to get my money back which was {$1100.00}. So I started a case with them and sent them all the information they needed. My mother is the one who sent it since she has a fax machine and keeps records of it and they confirmed they have it and they said now I just have to wait and I said ok with a relief. A month passes by I call just to see whats going on and they tell me my case has been closed and I said I never received anything back and they said I took to long to send my information and I told them I sent everything over to them and they said they couldnt find anything. And I asked what can I do now they said its to late that I took to long. This isnt fair Ive been trying to get my money back I left suntrust
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen and I have received an updated credit report and have found several fraudulent accounts reflecting my credit file. I have been an victim of identity theft since 2012. Whomever has stolen my identity has also filed taxes using my identity. And has since still been using that information, apparently they are unaware that the last name & information that they are using is inaccurate information & my last name is no longer the last name that they are opening accounts in. My social security number is the same, so company 's have connected account to my current information. 

XXXX XXXX XXXX  : XXXX, I submitted documentation that proved that this is not my account. 
( Original Creditor : XXXX XXXX ) XXXX : XXXX. I submitted documentation to prove that this is not my account. 

XXXX XXXX XXXX XXXX XXXX XXXX, I submitted an dispute to this company to removed this account due to identity theft and the company never responded.
Product: Credit reporting or other personal consumer reports

I am writing this request to Experian so that they will cease sharing information regarding a specific account pursuant to my rights under 15 U.S.C. 6802 of the Fair Credit Reporting Act. I understand that under this provision, I have the right to opt out of the sharing of my information with certain affiliates or third parties for marketing purposes. 

Please find the details of the account I wish to opt out of sharing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I hereby request that Experian cease sharing any information related to the aforementioned account with any affiliates or third parties for marketing purposes. This includes, but is not limited to, the sharing of account details, transaction history, and any other associated information. 

Please process this request promptly and confirm in writing that the opt-out has been successfully implemented. I understand that this opt-out request will remain in effect until I notify you otherwise.