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

If you persist in apparent disregard, noncompliance, or deficiency of substantial, satisfying, and/or otherwise evident proof of compliant reporting practices, I must warn you that this letter serves as my official notice prior to my likely decision to petition a civil court nearest me for a writ of review related to the aforementioned issues I suspect. Please be advised that I am the injured consumer of your unproven or inadequate reporting practices. As such, I am contesting the assumed, but actually very conditional, reporting privileges for any and all of your claims challenged within this consumer complaint. This declaration calls for your demonstration of authoritative, certifiable, compliant, lawful reporting that assuredly adheres to no less than the mandatory state and federal reporting mandates and statutes. My demand for your fastidious scrutiny shall categorically include, but not be limited to, your adherence to accords cited within the FCBA, FCRA, ECOA, as well as any and all applicable laws within my state, proven to be commodiously ample for illustrating your adequate statutory reporting occurred exactly as related to any claim purported by you in my report ( s ). Particularly concerning to me is if any or all of your claim 's aspects are alleged yet display potential deficiency, having plausible deviations from your obligatory utilized industry standards for legal, fair, and ethical reporting and did so with respect to a comme il faut status. Incontestably, your compulsion should be that of certifiable conformity to the Metro 2 Data-filled Field Formatted Reporting Standards, per CDIA!

I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5- day notice to me as mandated by reporting regulations that you MUST comply with.

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within five ( 5 ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( s ).
Product: Debt collection

On XX/XX/2021 MBA Law placed 3 medical bills on my credit report, I reached out to them as well as all 3 credit bureaus letting them know that these accounts doesnt belong to me by mail. Only two of three were removed from my credit, the largest balance remains! I sent a second letter asking MBA Law to remove the medical bill again, they didnt do so! I havent given my consent for any of my medical information to be release! I want this medical bill released from my credit report immediately!
Product: Credit reporting or other personal consumer reports

Ref : Experian A complaint was filed on XX/XX/XXXX with Federal Consumer Finance Protection Bureau ref : changing my XXXX number to XXXX. Didnt do a bit of good! 
I was told that one may reach a real live help person at Experian at XXXX option # XXXX. 
Called and got a real live person at XXXX XXXX XXXX XXXX 
Explained my problem. Put on hold while being transferred. Held for XXXX minutes. 
These people are next to impossible to contact. My pin # was lost and they keep wanting me to confirm by texting only and they are using my old phone number which was discontinued in XXXX, XXXX. There is no other option available. XXXX. I still can't get into my account. They have my current phone number - XXXX - formerly a landline but changed to my XXXX XXXX 
This outfit is truly a nightmare to work ( try?? ) with. I am aware that they have been warned to provide better customer service but they sure don't respond!
Product: Checking or savings account

I have a 2 fold issue with US Bank I have had a bank account there for many years.

Problem # 1 : they canceled my cash card and access to my accounts for no valid reason Around XX/XX/XXXX US bank, let one of their members ( im told, not even someone who should have been authorized to do it ) accessed my banking card, and randomly canceled my main bank card ( cash card ) I found this out while I was out for lunch at work and my card was declined.

I received no warning of it, no alerts, etc.

I called, and was told, they didn't know why it had happened but that they would look into it ... no manager was available, and I never received a call back.

I contacted a manager via email, who had previously helped me on another issue XXXX XXXX and asked for his help. 

He told me that, he cant see any reason why it would have been canceled like it was, but that he was not able to reactivate it and would send a new card, with new number, which creates more problems, as I have several things ( auto billed each month ) I went into the branch location in XXXX a day or 2 later and spoke with a banker there, who told me my card had been " hot carded '' but she didnt know why, and that she couldn't get my old card number corrected. 
I called XXXX back, Then during our conversation, he says that he can save me quite a bit on my current auto loan, I gave him some information as to what I owed on it, etc, and he said he would check it out and get back to me, and let me know if he would be able to save me some money ... Note '' I never gave him permission to run my credit '' I wanted to know what he could save my on monthly payments. 

I followed up with him a couple times, and he never returned my calls, a couple of days later, I see a hard inquiry come across my credit report from US bank, I made several more calls, several more voicemails to him asking him about my credit being pulled, and ive not heard anything ... still to date, I have not received a response, leading to my second Issue : # 2 Credit pulled without permission, no response to what took place, hard inquiry placed on my credit bureau. 
His contact information below : Officer | Branch Manager II p. XXXX | a. XXXX | XXXX usbank.com
Product: Student loan

For a long time I was pushed into applying for a forbearance by Navient. It was only a few years ago that I was told about an income driven repayment plan. I was told to make 3 payments and it would make me eligible for low monthly payments. I made those 3 payments and only then was I told about income based repayment. I've been on that program for a few years now and although my payments have been {$0.00} I've noticed recently on my credit report that my balance on these 3 federal student loans varies by thousands each month. My balance will go up from {$1000.00} to over {$5000.00} and then will go back down. I have only recently started monitoring my credit report so I'm not sure how long this has been going on. Its devastating my credit score and making me wonder what is really going on and am I being used for fraud or something else illegal. I took these loans out almost 10 years ago and have had no help until a few years ago with a payment plan to pay them off. I've accrued so much interest the loan amount has almost doubled and that's ridiculous for a diploma that I cant even use.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX of 2021 I submitted a certified letter to Transunion, XXXX, XXXX, and XXXX to verify how they reported a bankruptcy on my credit report. None of them provided me with information on how the bankruptcy was added to my credit profile and I got a letter from the court stating they do not furnish any of this information to any of the credit bureaus. It is my right to have this information removed from my credit report since the court does not provide such information and it's illegal to add things that are not furnished by the original provider.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX account # XXXX, has 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 an account without my instructions.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX have found fraudulent inquiries in my credit report
Product: Bank account or service

My bank paid out {$5000.00} to someone that I do not write my check for without contact me. I do not have {$5000.00} in the account. The bank left my account in negative of {$1300.00}. I contacted the bank when I found out, I filed police report. I called the bank several time. The case has been over 40 days the bank is not resolving the case. The name of the bank TCF Bank in Minnesota.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act the list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. account name : # XXXX XXXX XXXX, XXXX Account number XXXX account name : # XXXX XXXX Account number # XXXX XXXX 15 U.S.C 1681 section 602 A. XXXX I have the right to privacy. 15 U.S.C 1681 section 602 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 XXXX make any consumer report containing any of the following item of information Any other adverse item of information other than record of convictions of crimes which antedates the report by more than XXXX years. 15 USC 1681c 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: Student loan

I have called Navient repeatedly to discuss lowering my monthly payment amount on my loans from {$660.00} per month to something much more manageable since I do not make anywhere near that amount per month. The most I can comfortably afford to pay is, at most, {$75.00} per month. Every time I asked about lowering the payments I was told to apply for forbearance. I have told them to mail me the paperwork to apply and I have not received the paperwork. This has been occurring for 2 years now.
Product: Mortgage

The mortgage company kept on spelling my name incorrect in witch i could not get the paper work notarized during this time they just gave me the run around until i file for mediation at the court. then they had me redo the modification for the 3rd time just to move my interest rate from XXXX  % to XXXX % now my payment is not affordable. my payment went from XXXX to XXXX
Product: Money transfer, virtual currency, or money service

Dear PayPal Support Team, I am writing to appeal the recent blockage and limitation placed on my newly registered PayPal account. I am reaching out to you to resolve this matter as quickly as possible. As a new user on your platform, I assure you that I have not engaged in any activities that would violate PayPal 's terms and policies. 

I understand and appreciate PayPal 's commitment to maintaining a secure environment for its users, and I fully support your efforts in that regard. However, I believe that my account may have been mistakenly flagged or subjected to an error during the assessment process. 

I kindly request you to thoroughly review my account and provide me with specific details regarding the reasons for the blockage and limitation. I would like to rectify any misunderstandings or issues promptly. I am committed to adhering to PayPal 's rules and regulations and would appreciate the opportunity to continue using your services. 

Please note that the email address associated with my blocked account is XXXX. I kindly ask you to communicate any updates or instructions regarding my appeal through this email address. 

I am more than willing to provide any necessary information or documents to verify my identity and validate the legitimacy of my account. I understand that security is of utmost importance, and I am prepared to cooperate fully to ensure the resolution of this situation. 

Thank you for your attention to this matter. I sincerely appreciate your prompt assistance in reviewing and resolving the blockage and limitation on my account. If there is any additional information you require or if I can be of further assistance, please do not hesitate to contact me. 

Yours faithfully, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint because TransUnion has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to ensure the maximum possible accuracy of my credit report and to conduct a reasonable reinvestigation of disputed information, as required under Section 611 ( 1681i ). 
On XX/XX/XXXX, I received a credit report from TransUnion, reference number # XXXX, which includes an account from XXXX  ( # XXXX ). While the account was marked as " updated, '' significant discrepancies remain unresolved. These inaccuracies negatively impact my credit profile and compromise the integrity of my credit report. 
The following discrepancies have been identified : Date Opened : Inconsistent dates. TransUnion reports XX/XX/XXXX, while XXXX and XXXX report XX/XX/XXXX. 
High Credit Amount : Discrepancies in the high credit amount. TransUnion and XXXX report {$2600.00}, while XXXX reports {$2500.00}. 
Credit Limit : Inaccurate credit limit. TransUnion and XXXX report {$2500.00}, while XXXX reports {$0.00}. 
XXXX XXXX : Differences in the " 60 days late '' status reported across the bureaus. 
Last Reported Date : Dates do not match. 
Date Last Active : Inconsistent dates. TransUnion reports XX/XX/XXXX, while XXXX and XXXX report XX/XX/XXXX. 
Date of Last Payment : Variation in reported dates. TransUnion and XXXX report XX/XX/XXXX, while XXXX shows XX/XX/XXXX. 
Despite these discrepancies, TransUnion has failed to : Provide a detailed description of the procedures used to verify this information. 
Identify the name, address, and telephone number of any person or entity contacted regarding this account. 
Present any documentation bearing my signature to validate the reported information. 
Additionally, TransUnion has relied on automated systems, such as e-OSCAR, for verification, which is insufficient for a thorough reinvestigation under the FCRA. I also filed a formal complaint with the Federal Trade Commission ( FTC ) regarding this matter, identified as FTC Report Number XXXX, to further document TransUnions non-compliance. 
Impact of the Issue : These unresolved inaccuracies are damaging my credit score, harming my financial reputation, and causing significant stress and financial hardship. XXXX negligence has created barriers to accessing financial products on fair terms, undermining my ability to manage my finances effectively.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : As of my dispute, your agency is in outright violation of the FCRA. 
Specifically, the following : 1. Exceeding the 30-day requirement to respond 2. Willfully using delay tactics and not sending reports 3. Not responding at all Please see items in dispute below and  immediately remove from my credit file ACCOUNTS XXXX  XXXX XXXX  XXXX  XXXX not mine US DEPARTMENT OD EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX never late XXXX XXXX XXXX not mine COLLECTIONS XXXX not mine XXXX not mine XXXX not mine XXXX   XXXX XXXX XXXX XXXX not mine XXXX   XXXX XXXX not mine Identification already on file, no changes, please notice your internal notes, please notify me of what is suspicious about this request. Please send me a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block etc. on my file without my expressed permission.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, Re : Dispute of Credit Report Information and Alleged Non-Compliance under Section 1681O of the Fair Credit Reporting Act I am writing to formally dispute the information listed on my credit report, which I believe is inaccurate and constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 1681O. This section pertains to the responsibility of consumer reporting agencies to maintain accurate and complete information, and I believe there has been a negligent failure to comply with the reporting requirements in my case. Details of the Dispute : Hard Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have reviewed my consumer credit report and I noticed some unauthorized accounts from XXXX XXXX under 15 USC 1681 number 3. Experian assumed this role without permission not only that you did not have my consent. Experian did not respect my privacy pursuant to 15 USC 1681 a number 4. Experian did not exercise its grave responsibility, the company was unfair, and partial. The company never had a permissible purpose pursuant to 15 USC 1681 b number 2. I never instructed or gave any consent for the to be reporting in the first place. What I am demanding now is that you all delete the accounts off of my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX, has 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 an account without my written instructions.
Product: Vehicle loan or lease

I am no longer a customer of Ally Financial where I had a new car lease until XX/XX/XXXX. 

I received a letter today from Ally Financial dated XX/XX/XXXX stating that I have a summons for an unpaid toll ( date of issue XX/XX/XXXX ). This is the first time I have ever heard of this, and Ally has misquoted the date if this ever happened. It probably happened XX/XX/XXXX, but I never had any information on this. I DID NOT PHYSICALLY LEAVE THE STATE OF TEXAS IN ALL OF XXXX DUE TO THE PANDEMIC, SO THIS IS THE WRONG YEAR. 

Ally is threatening me that I must pay the toll now and notify them in 15 days about my intent to pay. That is fine, but I can not locate the toll. I went on the XXXX Maryland site where the toll needs to be paid, and inputted the data provided for the summons, and nothing comes up. Nothing comes up with my license plate or my current zip code, or a previous zip code. There is nothing I can do. 

I called Ally on XX/XX/XXXX as instructed in the letter and the first person said that she couldn't find anything on the account around this toll. I told her look again, and she found it. She then said she'd hand me over to the leasing department and that person was not helpful and I told them I was trying to give them notice as per the letter, and she didn't understand. 

I've had a lot of problems with Ally Financial ( have already submitted other CFPB complaints ), and this is just another hassle I never anticipated. It's exhausting and I just want some peace and be done with this horrendous and sloppy company.
Product: Credit reporting or other personal consumer reports

I want to clarify that I have not given my consent to Equifax, XXXX, and XXXX to furnish my information. They do not have my written consent for the same. Any consent they believe they have, whether verbal, non-verbal, written, implied or otherwise, is now revoked. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of identity theft. A. fraudulent account from XXXX XXXX XXXX, was recently placed on my credit report. Ive tried speaking with both credit bureaus and the collection agancy. Ive also sent multiple copies of FTC reports requesting this information be blocked from my credit report. 
Ive never done business with XXXX XXXX XXXX, Or The Bank of Missouri nor or signed into a written contract with these companies. This is a fraudulent account!!
Product: Debt collection

In XX/XX/2018 I contracted with XXXXXXXXXXXX for TV service and internet. After Tv was connected, I was informed that XXXX could not provide internet service. I was forced to fine alternate internet service. About three ( 3 ) weeks later we were unable to get TV service. Screen message said " problem with satellite ''. Tihinking that XXXX surely knew when the had problems, I did not report this outage. Within a few days a second outage occurered, making tv completely unusable. I called the phone number on screen and was greeted by a woman who refused to let make a notification about the outage until I purchased an insurance policy in the amount of {$99.00} on the XXXX  equipment which I was paying rent for. I refused and was informed that I was " going nowhere until I came up with {$99.00} ''. I hung and the next day went to the local office and informed them that I was cancelling my service and why. I returned all XXXX equipment the next day to their local store. No one would sign that I had returned the equipment, but I left it anyway. 
NowXXXX is billing me {$680.00} for early cancellation charges. 
They completely ignore any letter that I send and have turned the matter over to a debt collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have state tax lien reported on XX/XX/2010 that have been paid and is still on my credit report. Public records show " released ''. I have tried to have these removed, unsuccessfully. The state of GA, does not get involved with the removal of these. I feel they should be removed. Thank you for your help
Product: Credit reporting, credit repair services, or other personal consumer reports

I have collections on my consumer report that are against the law. As determined by Congress, the credit reporting agencies are all violating the accuracy and fairness of credit reporting of my information. By not adhering to their grave responsibilities with fairness, impartiality, and a respect to my privacy, 15 U.S. Code 1681 ( a ) ( 4 ).

Due the willful and knowingly violation of the law, my rights as been violated getting credit under 12 CFR Part 1002 of the Equal Opportunity Act ( Regulation B ) that protects me from discrimination in getting open and closed end credit, this has done harm to me and my Family. 15 U.S. Code 1681 c ( a ) ( 4 ) explicitly said no consumer reporting agency may make any consumer report contained Accounts placed for collection.