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

In accordance with Fair Credit Reporting Act. This List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681 15 USC1681 section 602 A. States I have a right to privacy. 

15 USC1681section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. 


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

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX  # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, TransUnion, XXXX, and XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Car loan account opened at XXXX XXXX XXXX  on XX/XX/XXXX, personal credit card account opened at XXXX XXXX XXXXXXXX on XX/XX/XXXX, a personal credit card account opened at XXXXXXXX XXXX on XX/XX/XXXX credit account opened at XXXX XXXX on XX/XX/XXXX, and a credit card account open with XXXX on XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : File No. XXXX I am filing this complaint because Transunion has ignored my request to be provided with the documents that their company has on file that was used to verify the accounts I disputed. Being that it has been 60+ days, far beyond the 30 days permissible by law and they can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " promptly delete all information which can not be verified '' that I have made a request of them to investigate. Please resolve this matter as soon as possible. Thank you.
Product: Credit reporting or other personal consumer reports

My account is still being reported as closed and no payment history has of XXXX. But its been getting paid and hasnt been 30days past due.
Product: Credit reporting or other personal consumer reports

My information was used to get a loan that was not authorized by me, I filed a police report. I also submitted a fraud victim letter and disputed online with the company several times. I requested proof of validity under the statue of fraud limitations. According to consumer law if a creditor can not prove that they are required to remove it by law which they refused to.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC Identity Theft Report ( FTC REPORT NUMBER : [ Report Number ] ) to support my identity theft claim. Under 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
The following information on my credit report is the result of identity theft and should be blocked : Collections and Charge-off Accounts : ACCOUNT NUMBER AND FRAUDULENT INQUIRIES : DATE OPENED XXXX. XXXX XXXX XXXX XXXX Account No. : XXXX o Date Opened : XX/XX/XXXX o Balance : {$620.00} o Status : Derogatory ( Charge-off ) XXXX. XXXX XXXX XXXX XXXX Account No. : XXXX o Date Opened : XX/XX/XXXX o Balance : {$590.00} o Status : Derogatory ( Charge-off ) XXXX. XXXX XXXX o Account XXXX. : XXXX o Date Opened : XX/XX/XXXX o Balance : {$660.00} o Status : Derogatory ( Charge-off ) XXXX. XXXX XXXX XXXX XXXX XXXX Account No. : XXXX o Date Opened : XX/XX/XXXX o Balance : {$3000.00} o Status : Derogatory ( Charge-off ) XXXX. XXXX  XXXX o Account XXXX. : XXXX o Date Opened : XX/XX/XXXX o Balance : {$460.00} o Status : Derogatory ( Charge-off ) Fraudulent Inquiries : XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XXXX, XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX Companies - XX/XX/XXXX XXXX. XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XXXX  - XX/XX/XXXX XXXX required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report that my report no longer contains any fraudulent information. I have called the bureau several times reporting these fraudulent accounts on my report, and XXXX has not wanted to give me a solution to this problem, which has severely affected my ability to acquire a new house for my children. These collections were removed and not verified by other bureaus. I do not understand how you can say that these accounts are mine, so I demand that you send me all the documentation proving that this information is accurate. I have requested contracts from this company with my information, and for more than 60 days, I have not received any response from them.
Product: Credit reporting or other personal consumer reports

[ Your Name ] [ Your Address ] [ City, State, Zip Code ] [ Email Address ] [ Phone Number ] [ Date ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX DC XXXX Subject : Complaint Against Experian for Inaccurate Credit Reporting Dear CFPB, I am writing to file a complaint against Experian regarding the inaccurate information being reported on my credit report. 

Today, I spoke with XXXX XXXX XXXX at XXXX XXXX, and they confirmed that the loan I settled with them on XX/XX/2023, is not a charge-off account. They received their payment on XX/XX/2023. 

According to the Fair Credit Reporting Act ( FCRA ), any inaccurate, incomplete, or unverifiable information must be removed or corrected within 30 days. A charge-off occurs when a creditor determines that a borrower is unlikely to repay several months of missed payments and subsequently writes off the unpaid debt as a loss. Such negative marksincluding missed payments, charge-offs, and collectionscan significantly harm a consumers creditworthiness. 

Given that XXXX XXXX XXXX has confirmed the status of my account, I respectfully request that you compel Experian to remove this account from my credit report due to inaccurate reporting. 

Thank you for your attention to this matter. 

Sincerely,
Product: Checking or savings account

I received a 1099-INT in my name, address, and social security number for a XXXX XXXX XXXX in the amount of {$740.00} on or about XX/XX/XXXX. I have no XXXX XXXX XXXX nor do I have account with PNC. I have called PNC and visited a local branch in XXXX, XXXX on XX/XX/XXXX. The Assistant Manager promised to investigate but after more than a week could only provide the date of the alleged transaction ( XX/XX/XXXX ). They told me that there was nothing else that they could do. This was a either a blatant error by PNC or they were party to a fraudulent transaction. Please help resolve this issue.
Product: Debt collection

Company FBCS , inc XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX PA XXXX Repetitious phone calls and letters to annoy and harass Constant harassment
Product: Student loan

After I finished school Navient continously harassed my daily multiple times a day for payment. When discussing options with them they never once offered any kind of help lowering my payment. I fact the continued to say I had to pay the full amount acted found not foare my loan. At the time I was not financially well off and I figured there would have ointment in making smaller payment because it would still continue to hurt my credit actndnd actndnd up fees. My credit score went from really good to terrible quickly because of the negative credit reporting from them. Once I was able to get on my feet and afford to start paying on my loans I called them. Only then did they finally offer me lower payments based on my income. I now make theses payments to them and have for a couple years now but my balance never changes because of my interest rates. I have tried to get my loan too a new company but nowit 's not even possible. N loan company will except me because of my damaged credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Product: Student loan

The last few years I have had my loans auto debit for interest only payments. The reason for this is because they for some reason could not offer a repayment option that could be affordable for me. So they said they could only offer after my deferment and forbearance options were used up was interest only payments for  XXXX  dollars per month. This was just so I could avoid the account going into default which I felt I was being threatend with. Well the thing about the interest only payments on auto debit is when they choose to end the the interest only payment on auto debit they change it to a full payment without informing me that it was changing or asking permission to do so. As far I 'm concerned it is a form of fraud. Just because they have my account number does not allow them to do as they please with it. This happened to me most recently today  XXXX / XXXX /2017. I had a car insurance payment I was expecting to have the money for now there is nothing in my account to cover it because they took   XXXX   dollars out instead of my expected   XXXX    dollars. My car insurance needs   XXXX   dollars or I will be cancelled on me. I thought by now in my lifetime I would have been done with my student loans considering it has been nearly 17 years since graduating. Navient is not very helpful especially when concerning my money they only care about their income. My name is   XXXX   XXXX   XXXX   and I am sick of feeling like I ca n't move forward with my life. It 's a never ending assault.
Product: Credit card

While Bank of America has a right to extend or withdrawal a credit line at their leisure. I find their business practice to reduce a {$9000.00} credit line to {$500.00} on a perfect payment history and sufficient income to meed internal fiscal goals and lay a bogus claim that I 'm not a good risk with an average credit score and average spending and borrowing habits very concerning. Their action while it may server their purpose whatever that might be affects my credit rating, a rating I 've been working on for a long time to establish in a purley positive direction. Their action will take up to XXXX points on my score while they used me to meet their repayment of TARP and now that they do n't need to they are " reducing risk. '' I opened this card with a {$2000.00} credit line and they freely gave a line of {$9000.00}. To reduce my total credit line with the bank to {$500.00} from a total of {$14000.00} across XXXX cards because I take out a loan and close all but XXXX revolving lines does n't make sense to me. If I want to pay XXXX a month on debt and I have the income to do it that 's my perogative. The questions asked in the credit determination were insufficient to make an accurate determination. I gave my loan payment amount monthly. I gave my current monthly liquid assets and answered questions about my lines of credit. The man, XXXX made some rediculus comment about the unsecured ammount lent to me was too high ( as if people do n't have loans 4 times larger than their income with houses, cars, school etc. that even some secured they often do n't recoup anywhere near the full investment amount ). Yet here I am with a perfect payment history, sufficient income to exceed all my minimum payment requirements after all bills paid monthly for at least a total of about {$50000.00} of average interest and this man wants to say that he can only safely make money off of me with a {$500.00} credit line. I told him that I would stop using the bank and was going to cancel the card and he did n't care. So I am in the process of switching banks and will keep the card at {$0.00} only because it serves my length of credit history on open accounts reported. But they will not make money off my money. Whatever they are doing is not with the consumer in mind and this disruptive business practice that affects credit scores and financial planning is a shame, I do n't even see how it serves them other than they are trying to increase their credit rating and manipulate their reporting numbers. While what they do might be legal it is suspicious and should be looked into as to what their lending strategy is if they ar n't trying to make money off of interest from the cards and why a consumer product is not with the consumer in mind.
Product: Debt collection

I was a victim of identity theft I have provided the company with supporting documentation that I have no recollection of ever opening this account. It has been over 6months and account is still showing negative on my credit and nothing has been resolved after contacting company numerous times. I have provided company with fraud affidavit as well as police report. All documents were sent via certified mail and delivered on XX/XX/2019. This error is causing me to miss out on employment opportunities due to my credit history.
Product: Checking or savings account

Truist is ignoring all CFPB complaints and not sending me a response. The prior XXXX complaints remained unanswered. Nobody contacted me. No letter in the mail. 

Got ta love living in a world where XXXX banks can just treat you like XXXX, and the CFPB has no XXXX  to enforce or penalize
Product: Debt collection

SYNCHRONY BANK / AMAZON has illegally reported my transaction history to all XXXX credit bureaus without permission or without requesting my formal consent. SYNCHRONY BANK / AMAZON also sent letters of judgment with XXXX  to sue me, after creating predatory interest rates during the pandemic. 

SYNCHRONY BANK / AMAZON is in violation of the Fair Credit Reporting Act, 15 U.S. Code 1681 a Sec. ( 2 ) report containing information solely as to transactions or experiences. 

According to the FCRA 15 U.S. Code 1681a Sec. ( 2 ) a. 1 Exclusions.- Except as provided in paragraph ( XXXX ), the term " consumer report '' does not include - a report containing information solely as to " TRANSACTIONS '' or experiences between the consumer and the persons making the report. 

SYNCHRONY BANK / AMAZON parked this debt as a charge-off with transaction transparency which is illegal. I was not contacted or made aware of this being reported to my consumer report prior to the account being placed on it. The FTC vs XXXX XXXX XXXX court ruling decided that " debt parking '' is illegal. Consumer law states that reporting transactions without consumer consent are also illegal. I have reached out to the company and have been completely ignored and they have ignored the laws as well.
Product: Vehicle loan or lease

I have a loan with AMERICAN HONDA FINANCE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and AMERICAN HONDA FINANCE with no successful resolution. XXXX  was the only one reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX and XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XX/XX/2022 XXXXXXXX XXXX  XX/XX/2022 XXXXXXXX XXXX XX/XX/2022 XXXX XXXXXX/XX/2022 XXXXXXXX XXXX XXXX XXXXXX/XX/2022
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX. This is the correct spelling of my name. This is how my name should be updated on my credit report. I'm writing to report identity theft that has been committed against me. I have good grounds to think that multiple false accounts and credit report inquiries have been created using my personal information, which was stolen and used without my consent. I have contacted the creditors connected to the information and filed an identity theft affidavit, among other essential actions, to make this problem right. However, because of this identity theft, I have suffered severe financial loss and emotional pain. I still have trouble getting loans and credit because of the time-consuming and frustrating procedure of challenging these accounts and inquiries. 
I've attached copies of my credit report, the identity theft report I filed on this case, and any additional paperwork I think you would need for your inquiry. Kindly get in touch with me in case you need any further details or supporting materials. 
I sincerely appreciate your consideration of this situation and eagerly await your speedy reply.
Product: Checking or savings account

On XX/XX/19 around XXXX I went to the TD Bank drive-up ATM at XXXX XXXX XXXX XXXX , XXXX   and used my XXXX XXXX debit card to make a cash deposit of {$1100.00}. The ATM encountered some type of error and produced a " Forced Deposit Record '' and the funds were not deposited into my account. I entered the TD Bank branch immediately following the transaction and spoke to a female teller who told me that I would have to contact XXXX XXXX about the missing funds. On the same day, I visited the XXXX XXXX branch at XXXX XXXX XXXX XXXX, XXXX and initiated the ATM claim process. I was issued a temporary credit in the amount of {$1100.00} for the claim on XX/XX/19. The temporary credit was reversed by XXXX XXXX on XX/XX/19 when they could not find a record of the XX/XX/19 transaction in their system ( XXXX # XXXX ). I was told to contact TD Bank to complete my claim. On XX/XX/19 I visited the TD Bank branch in XXXX, XXXX  and spoke to the branch manager, XXXX XXXX. I told XXXX my situation and I also told him that I had misplaced the receipt from the original transaction. XXXX checked his records from XX/XX/19 and XX/XX/19 and told me that the ledger was balanced and there was no record of any missing money. He told me he was going to contact ATM services with my information and give me an answer by XX/XX/19. On XX/XX/19 I re-visited the TD Bank branch after I had not heard from XXXX. XXXX told me that he had no new information and that there was nothing that he could do for me without a receipt because he had no proof that I made a transaction. I asked XXXX if he would be able to gain access to the security footage to verify that I had visited the branch on XX/XX/19 around XXXX, and he said that would not be possible unless there was an investigation of fraud. XXXX insisted that my issue did not involve him and was not a TD Bank issue. I emailed XXXX after our meeting on XX/XX/19 and asked him to keep me updated, and received no reply. I visited the XXXX Police Department on XX/XX/19 and spoke with Officer XXXX XXXX who helped me record my events in a police report. I emailed XXXX for a second time on XX/XX/19 and once again asked for an update on my situation, and did not receive a reply. I submitted a complaint to the Massachusetts Attorney General 's office on XX/XX/19. I called TD Bank customer service on XX/XX/19 and spoke with an agent named XXXX. XXXX contacted the branch on my behalf and spoke with XXXX XXXX, XXXX once again showed no interest in helping me resolve my situation and XXXX suggested that I take further legal action. I received a reply letter from XXXX XXXX XXXX XXXX dated XX/XX/19 ( Complaint # XXXX ). On XX/XX/19 XXXX suggested I file a complaint with the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance Owed : {$2400.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance XXXX : {$240.00} XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX