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

In Accordance with the fair Credit Reporting Act and per the standards of reporting compliance Implemented with the XXXX enacted XXXX XXXX COMPLIANCE regulations. This creditor ( XXXX Bank ) violated my rights under 15 USC 681 Section 602 States I have the right to privacy. 15USC 681 Section 604A Section 2 states a consumer reporting agency can not be furnished an account without my written instruction! Under 15 USC 1666B a creditor can not treat payment on a credit card account under an open-end consumer credit plan as late for any purpose. I demand the mentioned derogatory items be permanently removed for my credit report. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX
Product: Debt collection

I WAS VIOLATED! As a natural person who is federally protected. I am notifying you that you have help damage my name and my reputation. Your corporation has offensive activities towards me as a consumer, such unauthorized use that did not serve me any benefit. I have been violated as such, the truth and lending act 15 USC 1692C ILLEGAL TO COMMUNICATE, 15 USC 1692 ABUSIVE PRACTICES OF DEBT COLLECTIONS you violated my privacy and only I deem what is private to me AND you COMMUNICATIONS TACTICS ARE ILLEGAL! 15 USC 1692 G VALIDATION OF DEBTS you do not have permission to say I owe anything because as natural person and according to the TILA I validate debts because I am original consumer. This does NOT allow debt collectors to obtain a copy of " original contracts '' as I DO NOT have contracts with resurgent capital services, you do not have granted that permission. As per congress, you violated me, your corporation is criminally liable pursuant 15 USC 1611 because your corporation willingly knew that you were complying to a transaction that is fraud. It is a violation as per 18 U.S. Code 241 for two parties to come together and conspire against MY rights as consumer. READ 15 USC 1692D & E ( e ) Purposes It is the purpose of this subchapter to eliminate abusive debt collection practices by debt collectors, to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuses. the law is created to protect me the CONSUMER! You are illegally communicating with me for debt not owed.
Product: Debt collection

Pinnacle Credit Service, collecting a debt in behalf of XXXX XXXX, has reported to XXXX credit bureau 's erroneous information specifically altering dates to convert a zombie debt into a valid debt, and continuously harassing me including hiring a Fake Law Firm and Lawyer XXXX XXXX of " XXXX '' and a XXXX collection agency " XXXX '' to collect this alleged debt. 
I have copies of all certified letters send to all this companies and individuals who have conspired to commit this fraudulent act.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX Account 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the letter to XXXX, TransUnion, and XXXX on XX/XX/2022 it's been over 30 days and I still haven't received anything back. According to 15 Usc 1681i ( a ) ( 1 ) ( A ). XXXX transunion and XXXX have 30 days to respond to my dispute. This is the violation of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please know that I was not late on XXXX XXXX XXXX I wonder why XXXX, XXXX and Transunion report it as late when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me
Product: Debt collection

I bought a printer and a laptop from Best Buy on XX/XX/XXXX on credit, at the time of purchase I did not know I had to have a membership with Best Buy before I could shop in the store so I was charged a membership fee of {$200.00} in addition to the price of the items. On XX/XX/XXXX, I paid off the balance of {$1700.00} which included the membership fee. The store sent me a receipt that my account balance is XXXX on XX/XX/XXXX. 
On XX/XX/XXXX the store sent me a bill of {$250.00}, though I had not bought anything from the store since my last purchase which had been paid off. I contacted them on this bill and I was told it is membership renewal fee, and I told them I don't need the membership so I want it cancelled. On XX/XX/XXXX, I received a confirmation that the account has been cancelled. 

On XX/XX/XXXX I still received a bill for {$83.00}, I called them back to dispute the bill, I was told the account has been cancelled. Since then the store ( BestBuy ) and XXXX XXXX who manages their credit system have been harassing me with mails threatening me to pay this amount that I do not know anything about and every dispute to them doesn't work. I need help to stop both Best Buy and XXXX XXXX from demanding money I do not owe from me. 
Thanks.
Product: Checking or savings account

Filed dispute for a transaction that was a Billing error. I was charged for a transaction that was cancelled because showed as declined. After I filed dispute waited >90 days with no results. When I asked for an update customer service at bmo Harris bank said they can only send an email to investigator no phone number I can call or they can call. I requested for at least a provisional credit because following federal law EFTA I should have at least received a provisional credit after 10 days. However customer service rep responded by stating they considered my dispute a courtesy dispute even though I told them no, its a billing error therefore Im protected under EFTA federal law.
Product: Debt collection

I owned a XXXX  XXXX, which was heavily affected by the Covid-19 shutdown which took place across the country and I counted myself very fortunate to have the opportunity to receive a Payroll Protection Loan . I opted to apply through my regular business and personal banking partner, PNC. 
Shortly after receiving my PPP funds, I was approached with a generous offer to sell XXXX XXXX. The buyers were looking to take advantage of another program through the SBA, approved by congress, which allowed for forgiveness of 6 months of loan payments on any 7 ( a ) SBA loan, provided that the loan closes by mid XX/XX/2020. Having the PPP loan still outstanding, I requested with PNC that I be permitted to place the full amount of the loan in escrow after closing of the sale of the business in order to allow for additional time required to apply for and get a determination of loan forgiveness. For about a month I went round and round with PNC with them ultimately telling me that my options were to pay the loan off, wait to close until after it was forgiven, or dont sell the business. I checked with other banks, one of which is the largest SBA lender in the country, and they all said escrow was an option at their banks in an instance like this. 
So I was faced with a decision : Do I sell the business or not? I chose to sell the business and therefore paid off the full amount of the PPP loan ( {$100000.00} ) plus interest of a little over {$300.00}. I did this in the hopes that even though it was paid off, PNC would still allow me to apply for forgiveness in the spirit of the intention of the law and the program it created whereas congress expressed that if small businesses took this money and used it to pay their employees to avoid catastrophic economic consequences, they would be given an opportunity to have the loan forgiven. This has not been the case. 
For over a year, I have been attempting to communicate with PNC about applying for forgiveness. They did NOTHING to help me. I feel like PNC forced my hand in paying off the loan and now theyre penalizing me for it, even though it was the clear intention of the United States Congress for me to get this money and use it to help my XXXX and its workers. 
I implore you help me in any way that you can. I did not sell my XXXX  for XXXX  of dollars. I am not retired. I took advantage of an opportunity to sell this company so that I could move on to a less recession-exposed venture and not go broke. I used the PPP funds per the law and subsequent interim final rules to keep the company viable and to keep my staff solvent. This $ XXXX is not an inconsequential amount of money for me or my family.I want PNC held to account. 
XXXX XXXX
Product: Mortgage

I took home mortgage to purchase a house with the address : XXXX XXXX XXXX, XXXX, NC - XXXX. 


Better.com did not provide clear instructions about the EMI payments. Even after sending multiple emails to better.com, I could not able to get the details of where to pay my home mortgage EMI from better.com. That caused late payment and credit score drop. I have paid all the late and current EMI payments. Now I need a letter saying that the late payment was done due to miscommunication from better.com. I want to use this letter to dispute my credit drop and remove the late payment remark in my credit history.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX Dear Equifax I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX | XX/XX/XXXX : Account number : N/A, Biased. Fix the account number and send a full report. 

I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 



Thanks.
Product: Credit card

I started receiving emails from a company called Chime over the last few days. I received the first email on Friday XX/XX/XXXX welcoming me to Chime. I thought it was likely spam at first, and disregarded the email. However, the next day XX/XX/XXXX, I received an email saying my new credit card was mailed out to me, and one of my old addresses was listed as the receiving address. Then, I also started getting texts and emails asking me to verify my email and phone number. 
I looked up the company, and then reached out to customer service. They said that they would just remove the email, and said that my name wasnt on the account. They didnt close the account, as they kept insisting that the email was likely just a mistake. 
However, promptly after the call, I received more emails and texts stating the email address was changed, and requesting verification that I made the change. 
I promptly called back and had to demand that they explain what was going on. I read the customer service the emails, and then they realized that the account was based on my previous married name, old address and information. Then they agreed to close the account. 
However, they refused to provide me with what information was used to open the account to me. I was extremely upset, and explained I wanted to know if this thief had my SSN, or what they actually used for them to open the account. The rep said she couldnt provide this, but she would send me an email telling me how I could go through one of their departments to get it. 
This is upsetting, as they simply allowed someone to open an account, did not checking on any information, and then wouldnt even provide me with what they used, so I can figure out what is going on. 
They did close the account, and send an email letting me know I wouldnt be charged for any activity. 
However, they did admit that they sent out a credit card without verifying any credit info, or anything of mine, which is highly concerning as well. 
This company should really be investigated and shut down, as this is easily allowing for identify theft like this to occur with no safe guards in place.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th Complaint informing the Credit Bureaus that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ), the Credit Bureaus are required to remove any account and information which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Pursuant of the FCRA section 605b, I am requesting that the Credit Bureaus remove the following disputed items completely from my Credit Report : 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 XXXXXXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00}
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 XXXXXXXX XXXX XXXX, which falls under XXXX according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) I kindly request that you block this information from my credit report within four business days, pursuant to section XXXX of the Fair CreditReporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX. {$1100.00}. XXXX XXXX XXXXXXXX XXXX. {$0.00}.
Product: Mortgage

On XX/XX/2023, we talked by phone with XXXX and we sent you again via email proof of coverage " Full Value ''. 
XXXX XXXX XXXX XXXX confirm that the apartment has no improvements, so we do not understand why Selected Portfolio continues requesting H0-6 coverage. 
I would appreciate it if you could confirm the reason for requesting coverage H0-6.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the XXXX credit bureaus to confirm these records ( XXXX ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

In XXXX of 2017 I began attending XXXX XXXX XXXX University 's XXXX XXXX program. I was recommended by the school and my peers to pull out the max amount of loans, because I was attending a XXXX program and did not have time to get a job and support my means of living. Within a few weeks of attending school, family emergency 's came about, causing me to dropout of school. Since than I have had very little luck finding a job, let alone a good-paying and full-time career. I was under the impression when I was pulling out the student loans that it was to be handled via Dept of Education, just as my previous student loans were handled from my XXXX program at University XXXXXXXX XXXX. I contacted XXXX XXXX XXXX multiple times to try and settle this issue and devise a deferment plan until I got back on my feet financially and had a job, but they insisted I repay the entire amount or I would be sent to collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXXXXXXXXXX SS # XXXX Re : XXXX account XXXX Transunion To Whom It May Concern : I would like to dispute the validity of the above XXXX account. I request a dispute be started and XXXX account XXXX and request the account to be removed from my credit file. I continue to dispute the validity of this account I request that the account be deleted from my credit report. Can you also verify and forward me the method of verification? Can you notify me of the outcome of this correspondence? Thank you Sincerely,
Product: Credit reporting or other personal consumer reports

I called the Bankruptcy court to ask if they reported a Bankruptcy in my name they advisd " That the court has no contract with the credit reporting companies '' they do NOT report information at all. 
So the Bankruptcy on my report was placed there without permissible use. 
am writing to formally request the immediate deletion of a bankruptcy filing that has been posted to my credit report by your agency. This filing was recently listed, but I have been advised they do not submit any such filings to credit reporting agencies. As such, the inclusion of this information on my report is a direct violation of my privacy rights and does not reflect accurate information as mandated by law. 

According to the Fair Credit Reporting Act ( FCRA ), all information reported by credit bureaus must be accurate and verifiable. The failure of your agency to remove this inaccurate information violates my rights under both the FCRA and privacy laws that protect against the unlawful disclosure of personal data. I do not live in GA i live in PA I was at work the day and time the alledged document was filed it was NOT me. 

Relevant Legal Citations : Fair Credit Reporting Act ( FCRA ) - Section 1681i, which mandates that credit reporting agencies correct or delete inaccurate information promptly. 
Privacy Protection- As per the Privacy Act of 1974, information regarding personal legal proceedings, including bankruptcy filings, must not be disclosed unless authorized by law or the individual. 
Therefore, I request that you immediately remove this bankruptcy filing from my credit report, as it does not meet the legal standards for reporting and violates my privacy rights. Additionally, I ask that you provide written confirmation of this action.
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 rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right tp privacy.

15 U.S.C 681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C1 681s-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: Money transfer, virtual currency, or money service

Starting on XX/XX/year>XXXX  a company by the name XXXX XXXX XXXX XXXX realized unauthorized XXXX from my business non-profit account. They started by depositing to small amounts of XXXX and XXXX to test the accounts and the first debit occur on XX/XX/year> for the amount of {$5000.00}. After they made another transaction on XX/XX/XXXX for the amount of XXXX. Then a transfer occur for another XXXX from my other accounts ( all federal funds non profit accounts ) on XX/XX/XXXX I realized what was going on on my accounts and i went to my immediately to bank Banco Popular XXXX XXXX XXXX to establish a complain in regards this situation. They open and investigation that they. The next day XX/XX/XXXX that company XXXX XXXX XXXX XXXX again enter my account and debit XXXX. After all my claims the bank said they will not be responsible for that money that there is nothing they can do. I need assistant on this particular matter because like I mentioned This is a Non profit Organization which depends on grants and this situation is really important for me to find a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

You cant add interest or fees, or charges not authorized in the original agreement. Extra fees must be in the contract, A XXXX XXXX can not have false or misleading representations. This alleged debt that's on my credit report needs to be taken appropriate action to correct inaccurate or incomplete information on a credit report per the FCRA
Product: Money transfer, virtual currency, or money service

- XX/XX/XXXX, Venmo frozen my account, citing that I had been the victim of a scam- I was confused and unsure how to deal with this, so I made another Venmo account. I used this account from XXXX. My frozen account was never deleted. 
- In XXXX, a family member sent me money to my old, frozen account. I couldn't retrieve this money, so in XX/XX/XXXX, I contacted Venmo asking them to unfreeze my account. I provided my government ID as they asked for it. 
- The inquiry got escalated, and Venmo frozen and permanently deactivated both of my accounts. 
- I asked if there was any way to appeal this decision, Venmo stated that the decision was final, and they would not reactivate my account. 
- I asked for the payment from my family member to be reimbursed, and my account to be deleted so that funds wouldn't be sent there mistakenly. These actions were taken.
Product: Credit reporting or other personal consumer reports

I recently looked at my credit report XXXX XXXX XXXX XXXX XXXX  and noticed it was not accurately being reported. It shows XXXX late payment on ( XX/XX/year> ) which in FACT was paid on time. The reporting agencies are required to report information with complete accuracy. Ive attached a copy of my report of this complaint on the following date ( XX/XX/year> ). Am asking for full investigation with verifiable proof, and records that show I had a late payment on ( XX/XX/year> ). If this information can not be verified I demand the late payment on ( XX/XX/year> ) to be updated to Paid immediately. 

Thank you so much for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

When handling my bankruptcy dispute, XXXX used flawed intake procedures and failed to accurately communicate all relevant details about disputes to the original furnisher which doesn't furnish credit reporting information. XXXX consistently accepted no response from the court as a response to these disputes without proper scrutiny, even when there was no response. That means their investigation was improbable, illogical, and contradicting because they had no reference to information reported on my consumer report. Another words XXXX 's furnishing techniques are unreliable. At the conclusion of the dispute investigation, XXXX sent notices that did not adequately inform consumers of the investigation 's results. Instead, the notices contained information that was confusing, ambiguous, inaccurate, or inconsistent, leaving consumers without a clear understanding of the outcome.