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

XX/XX/XXXX - Filed to have all marketing/pre-approved credit/loan offers be permanently stopped for my address XX/XX/XXXX - Filed again to have all marketing/pre-approved credit/loan offers be permanently stopped for my address XX/XX/XXXX - Sent an email and removed myself from all communications from my bank to try and prevent more offers from being sent. This is after filing the same complaint against the same bank from the previous year. After I moved, they resumed sending me offers even though I have gone through this process less than a year ago.
Product: Checking or savings account

XXXX XXXX XXXX XX/XX/2018 Background : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX . XXXX XXXX, MA. XXXX ( XXXX ) XXXX Applied for a XXXX XXXX job. No idea when he applied for it. ( Have applied for roughly 70 jobs. ) On XX/XX/XXXX, XXXX received an email stating that his application for a XXXX XXXX position had been received. 
On XX/XX/2018, received a cashiers check in the mail. The check was from a XXXX XXXXXXXX XXXX. Didnt recognize the address ; didnt recognize the person ; didnt remember what it was from. 
On XX/XX/XXXX, Went to the Santander Bank on XXXX XXXX XXXX XXXX XXXX to ask if the check was good. Went to a teller a female and asked, Is there any way you can check if this is any good? I received this check today in the mail and I dont even know who its from. The teller took out a magic marker ; and wrote on the check ( later I was to learn from XXXX XXXX that she wrote her initials on the check XXXX }. Teller said yes the check is good with a smile, indicating to me that the cashiers check was legitimate. 
On XX/XX/XXXX, received email instructions, you were emailed by an XXXX XXXX. His email address was XXXX. asking if XXXX had received the payment. 
On XX/XX/XXXX, received an email from XXXX saying keep me posted. 
On XX/XX/XXXX, received an email from XXXX saying go to XXXX, purchase an item of clothing under {$30.00}, and XXXX, 5 gift cards each for {$500.00}. 
On XX/XX/XXXX, received email from XXXX saying Please send back pictures of the cards. 
On XX/XX/XXXX, XXXX sends email asking to fill out feedback report. 
On XX/XX/XXXX, email from XXXX says youre doing good work. 
On XX/XX/XXXX, XXXX via email asks XXXX to purchase a cashiers check for {$10.00} from bank. 
On XX/XX/2018, at XXXXXXXX XXXX, Santander Bank contacted XXXX with Service Alert through email to tell him the check was no good. 
On XX/XX/XXXX, went in to the Santander branch and Spoke with XXXX XXXX. XXXX said cashiers check was no good. This was in contradiction to the teller who had earlier indicated it was good and has her initials on the check. XXXX then made a phone call and spoke with someone and said okay, theres nothing we can do about this. 
On XX/XX/XXXX, XXXX contacted XXXX XXXX emails off the XXXX XXXX website and heard back from XXXX XXXX with a phone number, XXXX. 
XXXX has called that number since then many times and there is never an answer On XX/XX/XXXX, we contacted the Massachusetts Attorney Generals asking to call me back. They indicated I should file a police report and contact federal authorities ( FTC and FBI ) .fraudulent checks
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX {$5400.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$2800.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$2300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX XXXX {$720.00} XX/XX/XXXX XXXX **************** {$380.00} XX/XX/XXXX XXXX XXXX {$250.00} XX/XX/XXXX XXXX XXXX XXXX {$100.00} XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX 15 U.S.C, 1681section 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. 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 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

I would like Veros credit removed from all three credit reports because I do not owe money to Veros credit. This vehicle was sold.
Product: Debt collection

I have disputed this account before due this loan was taking out on behalf a identity theft and I am not responsible however the debit collector and lending club said they do not believe me. Which is very biased.
Product: Checking or savings account

An account was opened in my name XXXX Identity theft ) ending in XXXX with PNC Bank on XX/XX/2021. I received notice of this from PNC bank on XX/XX/2021 and immediately notified them that this was fraudulent. I called them again on XX/XX/XXXX and XX/XX/XXXX because I have not received any follow up or confirmation that this account was closed or blocked. I have not received a case number from PNC. On XX/XX/2021 I received a notice of change of address so I believe that this account has not been closed or inactivated as bank representatives said it would be. 

The lack of follow up communication by PNC bank is unacceptable. 

Please investigate this and follow up with me that the account is locked/closed and that this case is being investigated by PNC Bank. 

Thank you, XXXX XXXX XXXX cell XXXX XXXX XXXX text ok.
Product: Mortgage

I have written on the bill face " your not allowed to charge late fees during covid period " I did this three times  I believe, definitely twice. They still put the charges on the statement
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

To whom it may concern : On XX/XX/2021, an unknown entity- Discover, is reported on my credit. In addition, the account has been closed and they have been harassing me. 

Please remove, this unauthorized information from my credit. 

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

I received a notification on XX/XX/XXXX from XXXX & Equifax is still investigating, and inaccurate reporting of bankruptcy discharge in the file they maintain under my social security number. The documents I received from these agencies list its " method of verification '' from XXXX or XXXX XXXX. I have attached a recent letter from XXXX XXXX reporting the inaccurate bankruptcy has been removed from the files they maintain under my social security number. I have requested from both their method of verification, and they have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). 

Both are operating in bad faith which is an additional violation of FCRA 611 ( 5 ) ( A ).

According to 15 U.S.C. 1681 Fair Credit Reporting Act Section 602 ( a ) Accuracy and fairness of credit reporting. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for my right to privacy.
Product: Credit reporting or other personal consumer reports

I request a detailed description of the procedure used to determine that I have a contractual obligation from the date of account creation until the date of last activity. Please ensure this information is 100 % correct and accurate based on the total amount you claim I owe. Also provide me with the name, address, telephone number of each person who verified this alleged account that you have purchased or been assigned from the original creditor or account holder that vou are stating is your source for the inaccurate information that you claim is 100 % correct and accurate. Be sure to provide the name of the employee, the number that was called, their position in the company. 

I am sure you know that a printout of a bill or itemized document does not constitute verification according to FTC opinion letter from Attorney XXXX XXXX XXXX. I have attached the documents that were sent in response to my request. 
I require compliance with the terms and conditions of this letter within 30 days of your receipt, or a complete removal from my credit profile, in writing, of your claim. 

After thoroughly reviewing 15 U.S.C. 1692g, I noticed multiple violations. As stipulated by the Fair Credit Reporting Act ( FCRA ), any information reported to credit bureaus must be accurate, complete, and verifiable. And according to 15 USC 1681b, this company has not provided sufficient evidence demonstrating that there is a permissible purpose for the reporting of this debt according to my facts. ( See Attachments ) I am requesting that you thoroughly reinvestigate this. Make sure that all relevant documents and information supporting the validity of this debt are available for examination in a timely manner. Specifically, I ask for verification of the original creditor, the amount owed, and any applicable contracts or agreements such as the purchase and/ or debt agreement. Please also provide proof that this company is able to collect this debt on behalf of the original creditor or any other subsequent purchasers. 
I require compliance with the terms and conditions of this letter within 30 days of your receipt. If you can not comply, I demand a complete removal of your claim from my credit profile in writing. In the event of noncompliance, I reserve the right to file charges and/or complaints with the FTC, attorney general, and appropriate county, state, and federal authorities. I also reserve the right to take private civil action against this company to recover damages.

Stop all collection efforts, including communications such as phone calls, texts, automated messages and reporting to credit reporting agencies and/ or third parties until this request is fulfilled. Reporting inaccurate information to the credit bureaus is fraud.

This notice serves as my final attempt to urge your compliance with the laws under the FDCPA and FCRA. If deemed necessary, I will seek legal advice, which may result in federal or small claims court action to seek damages against your company for violations, including defamation and false claims.
Product: Credit card or prepaid card

ON XX/XX/XXXX a gift card was purchased at XXXX XXXX at XXXX in XXXX XXXX XXXX CA. Phone number XXXX. The card number being XXXX Was mailed to XXXX XXXX in XXXX Texas. The card was received in the mail XX/XX/XXXX. 
Upon trying to use the XXXX funds on the card, it was shown that the card was already used on XX/XX/XXXX at XXXX XXXX. store in XXXX Ca at XXXX XXXX for the full amount of XXXX. 
I immediately contacted BHNDISPUTE dept. and they advised me to fill out a DISPUTE FORM and either fax it or mail it, I did both. I have called several times and they had asked for proof of purchase, so I sent them the information they needed via email. When calling them they stated they have not received anything so I kept sending it. I have called numerous times and have been unsuccessful with any answers, the only for sure thing was they kept telling me to be patient and let the dispute dept. investigate. They also told me if it was a bank card that purchased the gift card you would need a bank statement. A credit card did not need one. The gift card was clearly purchased with a credit card. During the duration of XX/XX/XXXX to XX/XX/XXXX I never received a phone call from them, and the only piece of mail they sent me WAS THAT THE DISPUTE WAS CLOSED AND COULD NOT BE REOPENED From Blackhawk Network. I then called XXXX in XXXX XXXX XXXX where the gift card was a purchased and they made a call to the company, no success, I also called XXXX in XXXX Ca but was unsuccessful of a return phone call to let them know that there was a fraudgelant charge that occurred there. This company was completely unprofessional and very difficult to work with.
Product: Payday loan, title loan, or personal loan

In or around XX/XX/2015 I purchased an enclosed trailer financed through lendmark financial services in XXXX XXXX Virginia. I was paying the loan down and the manager began calling me several times a day advising I was preapproved for a XXXX  loan just in time for XXXX of XXXX in addition to the secured loan on the trailer. Days went by and she continued to call. She said shed give me the title to the trailer if I took the personal loan. I paid for 3 years every month. After determining they essentially turned my lower interest secured loan into a high interest personal loan the amount never really went down. I feel their marketing was predatory. I hadnt asked for the loan didnt call back about this loan they were hounding me about. I didnt realize what had occurred and how they changed the structure of the loan. They then, despite giving them my new address via email and via over the phone and each time a payment was made they served me with a warrant in debt which I was unaware of. I found out when they garnished my wages and I had told them not to retain my payment and bank account information. I stopped making payments following an accident for which I now have permanent restrictions and am filing XXXX. I am unable to make the payments and stopped and have spoken to a lawyer about filing bankruptcy. Money in my account is all unemployment and or workers comp exempt from garnishment.
Product: Credit reporting or other personal consumer reports

XXXX XXXX accessed my student records without my consent. He has violated my privacy by accessing my private data through the Department of Education. I am requesting my records be protected and all parties involved be accountable for their actions. 

The Family Educational Rights and Privacy Act of 1974 ( FERPA ) protects the privacy of student records by requiring prior written consent before disclosing personally identifiable information to a third party. It applies to colleges and universities that receive funding from the federal government.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm asking you to adjust this suspicious data a number of times. I will file a lawsuit against you because I believe you failed to verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my prior COMPLAINT #, and I'm including it once more. Please don't disregard my plea to correct these false entries in my file. 
Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Issue a Form 1099-C XXXX XXXXXXXX did not provide the required IRS Form 1099-C after charging off a debt of {$600.00} or more, as mandated by 26 U.S.C. 6050P.

Report the Canceled Debt to the IRS The lack of a 1099-C filing means that XXXX XXXX has not informed the IRS about the canceled debt, potentially violating tax reporting regulations. 

Verify the Debt Properly Since no 1099-C was issued, the validity of the charged-off debt remains questionable. 

Update Credit Reporting Accurately Without a 1099-C, the debt may still be inaccurately reported as outstanding instead of marked as Settled or Canceled.

Comply with Fair Credit Reporting Act ( FCRA ) Obligations The failure to verify or accurately update the debt on the credit report may constitute non-compliance with 15 U.S.C. 1681i, which requires credit bureaus to investigate disputed information.
Product: Debt collection

An individual by the name XXXX XXXX with XXXX XXXX XXXX, XXXX called in XXXX regarding a debt with XXXX XXXX XXXX from XXXX stating that if no payment was made they would garnish my paycheck including my spouse paycheck if this amount was not paid. The first payment was made XXXX XXXX and a total of {$2700.00} has been paid. We have contacted XXXX XXXX XXXX and they have stated they have no affliction with this company and they account has been been charged off with only a balance of {$1700.00}. XXXX & XXXX has continue to threaten us if we do not continue to make payment on the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently tried to apply for a loan and was denied, because of debit listed on my credit report that doesn't belong to me. I lost copies of my personal information.
Product: Vehicle loan or lease

I was informed that Uber had some cars for lease and that the condition was they would deduct money from your service for the " lease '' car and to go ahead and get a lease car with their partner group XXXX XXXX. I went to a dealership and made sure to ask the dealership if this was going to be on my credit and they stated clearly this was not and it was just a lease and the only reason they needed my credit was to make sure I was not a XXXX.. this was the dealer who is point of contact with Uber XXXX XXXX . I signed some papers and drove out with a car. After a month or so, I figured uber was not my thing and I requested the car to be picked up. Now, I still show XXXX ( XXXX ) inquiries in my credit for XXXX XXXX. I did not know they were pulling my credit ( hard ) and would like to have this removed from my credit. XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX  0n XX/XX/19 has an Inquiries on my credit files in which I did not apply for any new credit or ask for any increase in credit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Telephone : ( XXXX ) XXXX XX/XX/year> Chex Systems , Inc XXXX XXXX XXXX XXXX, MN XXXX Subject : Demand for Immediate Action Under 15 U.S.C. 1681c-2 ( a ) To Whom It May Concern, This letter is a formal and aggressive demand for immediate action regarding ChexSystems blatant failure to protect my personal information during your well-publicized data breach. Under 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), you are legally required to block fraudulent information from appearing on my credit report within four business days of receiving notification. I expect nothing less than full compliance with this law. 
Due to your gross negligence and failure to secure my personal data, my private information was compromised. I am holding ChexSystems fully responsible for any consequences, including but not limited to unauthorized credit inquiries, fraudulent accounts, and damage to my creditworthiness. I hereby demand the following actions be taken immediately : 1. Block all fraudulent information related to this breach from my credit report as mandated by 15 U.S.C. 1681c-2 ( a ).

2. Provide written confirmation of the fraudulent information blocked, as well as a full investigation report.

3. Confirm in writing that you will not provide any further fraudulent information to any third-party credit furnishers or reporting entities.

4. Ensure that I am provided with a free copy of my updated credit report, as I am entitled to under FCRA regulations. 
Failure to comply with this demand will leave me no choice but to pursue every available legal remedy, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and exploring civil action under the FCRA. I will also notify my state attorney general if this matter is not resolved promptly. 
This is your final notice to take corrective action regarding your mishandling of my sensitive data. Any further delay or failure to respond in accordance with your legal obligations will result in immediate escalation. 
The following accounts have appeared on my credit report please have them remove promptly : Ive listed each account : 1. XXXX  XXXX XXXX XXXX Account Number : XXXX Remove incorrect address : XXXX XXXX XXXX XXXX , Ca XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX Old email address : XXXX Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Sincerely , XXXX XXXX Enclosures : Proof of Identity Affidavit of Identity Supporting Documentation
Product: Credit reporting

Student loans are more than XXXX and have been closed with original loan servicers paid off and are XXXX through XXXX for XXXX they are no longer delinquent since XX/XX/2016. Bankruptcies were XXXX or dismissed but still reporting violating confidentiality. Collection accounts for utilities companies are invalid. Accounts remaing after bankruptcy XXXX. Request removal of all inquiries. This prevents my family from for qualifying for any mortgage. No change in my credit score since bankruptcy XXXX and have opened new auto loan and credit cards. Experian XXXX and XXXX are the violating companies.