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

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX  XXXX. Account # : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I co signed for my wife 's vehicle that we purchased in XX/XX/XXXX. It was a a XXXX XXXX XXXX. We purchased it for a total cost of XXXX and we put XXXX down. Our payments were still 300+ a month which was out of our budget. We tried returning the vechile the following week we purchased and were denied. The dealership stated that the finance company ( XXXX XXXX  ) would not let us out of our loan agreement. We struggled for 3 months to make the payment before they repossessed the vehicle in XX/XX/XXXX. They then notified that we were still expected to make the monthly payment even after they notified us that the car was sold at auction for XXXX . Which is more than the original purchase price. As of today we owe approximately XXXX and they are still reporting that were missing monthly payments even though the account had been charged off. We notified them by certified letter asking they stop with no response, disputed the account with all 3 credit burrows to no avail. Ease any help would be gr ees early appreciated. The fiancee company is XXXX XXXX  based out of XXXX XXXX California
Product: Credit reporting or other personal consumer reports

There was a breach, and my information was stolen and shared on the dark web
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX ; XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX AR XXXX ; XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2400.00} ; Medical XXXX Balance : {$680.00}
Product: Credit reporting or other personal consumer reports

Dear CFPB AND EXPERIAN, I have sent serval letters and complaints about the fraudulent XXXX XXXX XXXX account acct number XXXX I am not a credit repair company. I am A PERSON. as you should no, there is plenty of information online and in the FAIR CREDIT ACT to help me the consumer to try and fix my on credit consumer report. please look at my documentation that I sent for your review, this is really getting ridiculous. Im telling you that THIS IS NOT MY ACCOUNT AND I WANT IT REMOVED FROM MY CREDIT REPORT. YOU HAVE NOT SENT ME ANY DOCUMENTATION THAT THIS XXXX XXXX XXXXXXXX ACCOUNT WAS OPENED BY ME
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against TransUnion regarding inaccurate information on my credit report. TransUnion is currently reporting an account with an incorrect status, negatively affecting my credit standing. 

The account in question is listed under the following details : Account Number : XXXX Current Status : Charged off as bad debt Issue : The account is marked as charged off, yet it still reflects a past-due balance of {$720.00}. A charged-off account should not show a past-due amount, as it has already been written off by the creditor. This inconsistency is incorrect and misleading.
Product: Credit reporting or other personal consumer reports

I submitted a dispute through XXXX proving that the information on my report from World Finance was extremely inaccurate, and they refused to remove the account from my report
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is incorrectly reporting 2 accounts on my credit report. These accounts are inaccurate. In addition, Experian is in violation of Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ). Experian is also reporting these two XXXX accounts that are CLOSED and CHARGED OFF as ACTIVE late payments. 

Lastly, the have listed that there are 3 late accounts on my report and this information is incorrect as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, XXXX continues to report incorrect personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm filing this complaint 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. DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX, DEPT OF EDXXXX XXXX  , DEPT OF EDXXXX XXXX, DEPT OF ED/XXXX XXXX, DEPT OF ED/XXXX  XXXX, XXXX XXXX XXXX  XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, and XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX. Please delete these accounts ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am asking kindly to delete this account since it is not mine since I am quite irate that they are showing up on my credit report. By letting me go through this, they really let me down, and I feel awful about it. I want the company to remove this as quickly as they can off my credit record. Definitely not mine!
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX please update all payment, all payment was made on time 2. Mistaken Identity XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 4. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 


XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. I did dot give them permission to check my credit XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. I did dot give them permission to check my credit XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX. I did dot give them permission to check my credit XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. I did dot give them permission to check my credit XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. I did dot give them permission to check my credit XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. I did dot give them permission to check my credit XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Checking or savings account

I issued a dispute for a charge on XX/XX/2024 for illegitimate PNC charge to my banking account. PNC deliberately delays investigation to allow the charge to go thoroughly instead of issuing chargeback to the vendor as I directed them.
Product: Debt collection

I have written to ERC several times asking for validation of the debt. They have yet to furnish an agreement between myself and ERC explaining that I owe ERC any money.
Product: Payday loan, title loan, or personal loan

One Main Financial has illegally used my debit card information to extract a payment which was higher than discussed. I have never allowed automatic deductions on this account. I have never knowingly given them permission to do so. It was never discussed with me. 

Date of Action : XX/XX/2020 Amount Deducted : XXXX Action Taken by Me : Dispute of Transaction at Bank
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ( ERC ) reported a collection of {$390.00} for XXXX XXXX XXXX mobility. I paid the collection in full, and actually paid extra for a total of {$400.00} for them to process the payment over the phone. The payment was made XX/XX/2018, and the money was withdrawn from my bank account the next day on XX/XX/2018. A week later, I checked my credit report and it showed a {$0.00} balance, but the entry was still OPEN. there was an option to dispute the entry with XXXX, so I disputed it to be marked as a CLOSED. the dispute came back saying the information was accurate and the balance went back up to {$390.00} showing it was never paid, and then a missed payment entry for the balance was also posted to my credit report. I have contacted ERC several times to get this false information corrected. I was told by ERC to not dispute the entry, and that they would correct the false entry and it would take up to 45 days for the information to be updated. Every time I call ERC I get told they will re submit and I have to wait another 45 days. Ive talked to supervisors at ERC but nothing has been done. I get a different response each time I call, and they claim the entry is in dispute and thats why its not updating. I have not disputed the entry since XX/XX/2018 when I was told not to dispute it and wait 45 days. 

I have also contacted XXXX  directly several times and submitted documents from ERC saying the payment of {$400.00} was made on XX/XX/XXXX. XXXX says they did an investigation and found that the information was accurate, which it is not. Ive attempted to resolve this for 3 months with both ERC and XXXX and both of them have been giving me the run around and telling me something different every time I call, even when I have submitted proof of payment of the debt, and submitted a written letter explaining the situation to XXXX they have not corrected the false entry. ERC is telling XXXX  the information on the entry is accurate, when it clearly is not. I paid the full collection in one payment, the entry should have been updated to show a {$0.00} balance and be marked as CLOSED. i have been trying to get this resolved for months and have done everything asked by XXXX and ERC and still nothing has been done.
Product: Credit card

I signed up for an American Express Platinum card that promised a XXXX point signup bonus when a spending requirement was met. This offer was publicly available on the Internet. After reaching the required spending amount, my points posted. Shortly after this, my reward account was frozen by American Express with no written notice. The only way I found out the account was frozen was by attempting to make a points transfer. After this failed I contacted the company. They stated that the account was frozen pending a review that would be completed in 6-8 weeks. After waiting this period of time, I tried another transfer. This transfer was declined as well due to the account being frozen. I have paid off the balance of this account as well as the {$450.00} annual fee. There was and has been no notification from American Express to me about the freeze of my rewards account or when the freeze will be released. American Express is electing to audit this account, freezing my ability to use my earned reward points. I feel that they hooked people into signing up for the {$450.00} card with an offer and did not deliver what they promised.
Product: Debt collection

Harassing Calls at Work The caller should have been aware of the violation at the outset as the office is a regulated financial institution with a regular receptionist. Oral notice wa delivered. 
Call received on XXXX/XXXX/2016 To # XXXX From # XXXX, XXXX From Entity Diversified Collection Services
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding several unauthorized inquiries on my credit report. Despite not granting permission for these inquiries, they have been recorded and are negatively impacting my credit score. These inquiries are not only unauthorized but also a clear violation of the Fair Credit Reporting Act ( FCRA ), which mandates that credit inquiries must have a permissible purpose. The presence of these inquiries is unjust and detrimental to my financial health.
Product: Money transfer, virtual currency, or money service

n 2011 or so Google marketed a free version of " XXXX XXXX XXXX XXXX  '' at anyone who wanted vanity/personalized email accounts other than XXXX account. However, they phased those out and now focus only on business ( XXXX  XXXX then XXXX  ). They've left in the free legacy accounts, but they converted them to business accounts even though ours has nothing to do with business. We've been trying for months with numerous agencies to find someone at Google who will help us convert the old " XXXX XXXX XXXX XXXX '' account to personal accounts and preserve purchases and settings in the app. Google refuses to acknowledge us unless we pay to upgrade to an XXXX account at our cost, which shouldn't be necessary to just get out domain/accounts converted back to a personal account again ( which a company with the know how of Google should be able to do easily ). The best we can find on their forums is that we just download a raw dump of all our Google data ( Google XXXX ) and lose all purchases and anything else we've done. To bad so sad. Neither the FTC nor the FCC has been able to help. Hopefully the CFPB can since now Google is making changes to their consumer financial product. Now we come to the new issue. Google is getting converting their Google Pay digital wallet and tap-to-pay service to a new Google Pay service. However, they will not let business/enterprise users ( which apparently we are ) use the new service, so we are going to lose our digital wallet and tap-to-pay services that we have quite a bit of financial information in. I attempted to contact Google to ask about the new Google Pay, and all I got was that it won't work with enterprise accounts and that I need to create a new, separate XXXX account for it to work. But they did not even acknowledge my question about converting my " business '' account to a personal account or why they are otherwise kicking so many users out of their financial service without a viable alternative. 

Google told CFPB on XXXX that I have a personal address and it's not a problem, but that is not true. I can not use their Google Pay service ( or any other service like Google XXXX ) because it is " not available for workspace accounts '' so the issue is not as they stated when they erroneously closed the previous complaint and they gave inaccurate information to CFPB to close it.
Product: Checking or savings account

Someone had two access accounts in my name ending in XXXX & XXXX and a savings ending in XXXX. I did not open this at all I was not even XXXX XXXX XXXX it's no way that I could've had an account by myself.
Product: Vehicle loan or lease

Under the Laws of Commerce, An Unrebutted Affidavit Stands as Truth. I'm writing this complaint to address that GM Financial has not rebutted the Affidavit I have sent them. I have already filed a CFPB complaint they responded with documents that only support my claim. The four essentials of a lawful binding contract is 1. full disclosure - I was not told that I was actually creating the credit with my wet ink signature. 2. equal consideration - gm financial brought nothing of value to the table and so they had nothing to lose. 3. lawful terms and conditions - the conditions of the contract with gm financial were based on fraud. 4 the wet ink signature of both parties. The loan form does not constitute a contract as it is only signed by one of the parties which is myself. They have failed to produce a contract that is signed by both parties. a loan agreement is a contract and so there has to be full disclosure and there was not. both parties have to put up something of equal value which didn't happen. pursuant to 15 usc 1635f I have exercised my right to rescind within the 3 year time period that bureau allows. Federal law overrides any opinion of any representative of gm financial or state law. They are accusing me of a debt relief scheme but I am a federally protected consumer exercising my rights.

GM Financial should have rebutted the Affidavit. They are making up stories and trying to avoid the facts and federal law. Gm Financial is in violation of 18 USC 242, 18 USC 241, 15 USC 1692g, 15 USC 1635, 15 USC 1692j ( a ), 15 USC 1692e ( 2 ) ( A ), 15 USC 1602 ( p ), 15 usc 1692e ( 11 ). 15 usc 6802 ( b ), 15 usc 1692d ( 5 ), 15 usc 1692b ( 2 ), I have uploaded all the paper showing proof of what i am saying today.
Product: Credit reporting

Please correct date of birth and remove any items that were listed prior to my XXXX birthday
Product: Debt collection

The company Designed Receivable Solutions , Inc. has illegally and falsely reported a medical debt collection twice, i.e. in duplicate on my credit report thereby harming my credit score under unfair practices and has never sent me a debt validation letter. 
They have used the same debt but used ddifferent reporting accoiunts to the same credit rating agency thereby duplicating it and making it appear as twice and impacying my credit score. They have resorted to unfair and illegal practice by harming me and that too illegally reporting it in duplicate for which I have the screen shot. 
Please help me. This is fraudelent practice.This company is known to indulge in the same and has many lawsuits for the same.
Product: Payday loan, title loan, personal loan, or advance loan

XXXX XXXX XXXX  previously had a personal equity line of credit product ( PELOC ). When the FDIC had to capture XXXX XXXX XXXX, some smart person decided to sell the PELOC loan servicing rights to Sofi. Borrowers had zero option to change this outcome. The servicing rights were forced on us. 

But the portion of Sofi that obtained the loans use the antiquated XXXX platform. This is the XXXX servicing arm of Sofi. It probably employs 2 people. 

When my PELOC loan was trasferred, the integration doesn't seem to have worked. The XXXX platform shows the loan and recurring interest+principal payment. But the account that will be used to withdrawal funds is incorrect. 

Unfortunately, the XXXX software is exceptionally old/out-dated. There is no way for me to add a different bank account to affect the auto pay. 

Sofi provided a number to call for customer support. XXXX. But, SoFi neglected to staff this number with agents. When I call this number, my estimated wait time is at least 4 hours. I've called 3 separate occasions this week, each time with 4 or 5 hour estimated wait times. If I stay on the line, the estimated wait time does indeed shrink by 5 minutes for every 5 minutes I'm on hold. So the estimate seems correct. 

The alternate Sofi servicing contacts can not access my PELOC since these contact points can only provide support for loans on their newer platform. If I call these numbers or agents, I simply get re-directed to the 5 hour broken wait line. 

https : //www.sofi.com/contact-us/ I am requesting the CFPB to investigate SoFi and penalize their performance for this negligence. They are obviously not prepared to service loans that they knowingly/willingly procured from XXXX XXXX XXXX  and the FDIC. I am also documenting this CFPB complaint to combat damage to my credit report when inevitably my recurring monthly obligation to the PELOC is unmet since their system won't let me update my autopay details.
Product: Mortgage

I have a mortgage with Pennymac have been trying to dispute some information that been reported innacurate since 2019, but the company refuse to talk to me.