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

For the past 18 months I have requested, patiently and respectfully, that Experian verify and perform a complete and proper investigation on the Bankruptcy they are reporting under my name and attached to my social security number. Time and time again I have received an XXXX generated " verified as accurate '' with 3rd party reporter XXXX. Then I was told, over the phone, to go look it up for myself in XXXX and with the courthouse. I was told misleading information in that the courthouse was reporting this information. I have affidavits and other documents that confirm this is not true. The courts have nothing to do with credit reporting agencies, and they can not offer or confirm information over the phone or e-mail. There would be no way for them to legally do that as they CAN NOT GIVE OUT SOCIAL SECURITY numbers. So, that was not accurate. Then, I looked up the case in XXXX, and the social security number does not match mine. Now, as I was also advised to do, I contacted XXXX to get my report, which Experian claims is their source. I am attaching the files and there is NO BANKRUPTCY records under my name, date of birth, social security number, or any other numbers that clearly identify me. Again, I have been more than patient and this has been going on for far too long. I am tired of these blatant violations of my right under the Fair Credit Reporting Act. I am attaching the XXXX report.
Product: Debt collection

it was a " stale debt '' from XXXX XXXX, XXXX, judgment which was never registered in XXXX XXXX court register department, XXXX XXXX XXXX, florida. it is the third time that I warned the midland credit management, inc., of the past due debt but agency continues collection efforts.
Product: Credit card or prepaid card

For the last few billing cycles I've been paying the full amount due on my account and not making any new purchases ; however, the each time I get my bill for the last two months, I find I owe a small additional amount. First I owed XXXX  dollars, now XXXX  dollars.

This seems to be unfair and deceptive billing practices and I want to lodge a complaint. I also want to ensure I'm not charged a late fee because of this deceptive practices. As a customer I feel I've paid my account in full, have not made any new purchases and lo and behold, I have money due unexpectedly. Since there's no " auto payment '' option for XXXX XXXX you have to manually log in view and pay the bill, increasing the chances for unknown charges in the amount of hidden fees. I believe they may have had a system change in timing for applying fee charges AFTER the customer statement is generated, thereby making it impossible for the customer to fully " pay down '' to XXXX  their account amount. This seems to be systemic abuse of the system, allowing them to charge customers hidden interest fees and collect " late '' charges deceptively.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX, and XXXX have violated my rights XXXX 

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: Student loan

I was just notified by Aidvantage on XX/XX/XXXX that the entire amount of my student loans had been forgiven and I would be eligible for a refund for any payments made toward that loan. I have called numerous times today to be told that my refund is denied but they have no reason or explanation as to why it is denied. I made a {$560.00} payment in XX/XX/XXXX towards that loan. Per Federal Student Aid, my entire loan amount of {$14000.00} was forgiven, therefore that {$560.00} payment should be returned to me. Aidvantage should not be keeping my money. One representative said that it was because I didn't request the refund before XX/XX/XXXX, but then told me that I would not have been eligible anyways because they were not aware of my loan forgiveness then. They shouldn't have a time limit on when you can request your own money back, especially if they never even notified you during that time to begin with. Makes no sense.
Product: Credit reporting or other personal consumer reports

While reviewing my credit file I noticed unauthorized inquiries that I did not initiate. I have tried reaching out to the credit bureau to remove these unauthorized inquiries off my report but has not been successful.Per section 605B of the fair credit reporting act ( 15 U.S.C. 1681c-2 ), the following unauthorized inquiries must be removed from my credit file. Please investigate and remove all inquiries that do not belong to me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked Experian to remove address : " XXXX XXXX XXXX, XXXX, GA XXXX '' from my credit file on several occasions. They haven't removed it. I cant dispute it online because it says " Major Financial Corporation '' is reporting this address, but when I asked them, they said they have never reported that address. They are reporting my XXXX XXXX XXXX, XXXX XXXX, MN XXXX address as of XX/XX/2019. I know they are accurate, because when I check my account with them, that is the only address they have.
Product: Bank account or service

Vetting Agents - I was told to submit this way due to no topic that fits. 
2 Years ago I was told the LexisNexis.com product line was being used to VET agents, the fair credit reporting act allowed them to do this daily and share our information with millions of employees and contractors in the USA and XXXX and other countries they accessed our personal information SS #, DL #, CreditReports, HomeAddress, DOB, last know address and associates. daily and sometimes multiple times daily. 
I am a XXXX employee XXXX. 
In order to get help we have to disclose our cell number so they can VET us by texting us a code that we have to repeat back to them, in order to receive a code they go into the LEXISNEXIS portal and ask us personal questions that we have to give them the answers to. The same information required when getting a loan or car insurance. 
we are asked this no matter if we are in a public place around people whom have no right to our private information, our clients have no right to our private information. 
After many complaints, We were then told it had to be our billing address belonging to our Cell Phone, I changed my cell bill legally to my XXXX, and they refused to accept it saying fair credit reporting required us to use our home address, then we were told it had to be our personal address where we lived. 
But then later they starting asking for DL #, model make color of our cars and address where we have lived. People or Companies we may have been associated with in the past. 
We have the expected right to privacy just like any Agent on the street. This portal is being accessed by millions whom have not been given permission nor should ever have it for this VETTING purpose. This function has nothing to do with our private information. 
I contacted the state of Tennessee on many levels, our local Court House, XXXX, XXXX the United Postal service, they were all asked the same question do sell my private information or give it to anyone? They all said no that this is public information? but none of them could tell me where you can find my SS #, DL # Home address, Cell number, in public or on the internet, without some kind of written consent from me. I have not given LexisNexis consent to have my private information much less distribute to millions who can access their portal who also do n't have my consent to do so. I contacted LexisNexis asked them to remove my information from their system 2 years ago it has yet to be done.
Product: Mortgage

I called PNC Bank to ask to have my PMI  removed. They said that I could not talk to the insurance   administration directly, that I had to send an email and all communication would be sent via mail. I find this very frustrating that I can not talk directly through email or a phone call regarding the PMI, that I have to communicate through mail. This takes a very long time, and seems to be a tactic to discourage people from getting their PMI removed. I received a letter about one month after my call stating that they could not remove my PMI because my loan to value ratio was 85 %. The letter stated " At the present time, the loan to value ( LTV ) ratio is 85 %. The investor requires that we calculate the LTV by dividing the current principal balance, {$260000.00}, by the purchase price, {$300000.00} or by the original appraisal value, {$320000.00}, whichever is lower. {$300000.00} was used in determining your LTV ( PNC Bank XXXX ). Then another letter came in stating that " The investor requirements state that you must show proof of value of your property, which would reduce the LTV to 75 % ... Loan investor requirements state that the appraisal must be processed by PNC, National Association ( PNC Bank XXXX ). '' To summarize my issues : 1. I can not speak directly to the PMI department of PNC Bank. All communication is through an initial email and then only mailed letters that are 30 days delayed. 
2. PNC will not use my original appraisal value, instead they choose to use the lower value, which is the original sale value to calculate the loan to value ( LTV ) ratio. 
3. PNC imposes a stricter LTV of 75 % rather than the Federal LTV of 80 % 4. PNC required me to use XXXX XXXX, which is jointly owned by PNC and XXXX at {$500.00} for an appraisal. They also will include additional fees if I live in a rural area ... which is not defined. They will not allow me to use my own appraisal company. 
5. The letter states that the appraisers scheduled by XXXX are independent contractors and are not employees of XXXX XXXX or PNC. I don't understand that because the company is owned by PNC, therefore they are employees of PNC and are not independent. 
I greatly appreciate you assistance. As of this year ( XXXX XXXX ) I have paid {$650.00} into the PMI that should be going towards payment of my home.
Product: Credit reporting or other personal consumer reports

Highly Requested Under 15 U.S.C. 1681i ( 7 ) Method of verification As a consumer I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 usc ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. 
Please send the following information used to validate the validity of the invalidated items below Authorized user XXXX should not be reporting on my consumer report Remove asap XXXX  XXXX XXXX is reporting inaccurate late payments and should be updated as paid as agreed as soon as you receive this message. 

Items Highly Requested 1. The name of the original creditor 2. The creditors address and telephone number 3. The persons name they verified the dispute with 4. The Valid documentation used to validate the dispute.

5. Also, the procedures your company has in place to ensure each account is 100 % correct which I doubt.

6. IF YOU CANT PROVE IT YOU MUST REMOVE IT OR PAY 1000 per VIOLATION YOU ARE COMMITTING.

In accordance with FCRA,15 U.S. Code 1681e ( b ) Compliance procedures I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. if you fail to comply with this request and send all documentations that prove you seen and were sent valid documentation to say these items are 100 % accurate you will be held liable under 15 U.S. Code 1681n and 15 U.S. Code 1681o Civil liability for negligent noncompliance I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right under FRCA and pursue legal action. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Kick off is still reporting a balance on the account when on my report it states it is being charged off. you can not have a charge off with a balance it is illegal.
Product: Debt collection

I gave a XXXX XXXX XXXX a certificated security as the registered owner of the account and told them to present it to the United States Treasury to aid in the public debt. They have continued to steal my securities. If theyre saying they dont send registered notes classes A, B, C etc theyre committing securities fraud as you cant send unregistered notes.
Product: Checking or savings account

Citibank close my account XX/XX/2021. I went to citibank after that and they told me they are mailing my balance in check which should be received in 7-10 business days. After 10days I went back to citibank and they told me, it'll take one month. After 1month or almost 3months now I went back to citibank again and they told me they can not release the funds because it's too big. The amount is XXXX. My checking account is been close since XXXX and they can't release me my check and nobody seems to know what's going on. I tried to call the fraud department but they tell me to go to branch and I've been doing same thing over and over. I also need to change of address to my new house XXXX XXXX XXXX XXXX XXXX ca XXXX but they not letting me because they Said the account is close.
Product: Credit reporting or other personal consumer reports

I just looked up my credit report XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose. I also attached evidence. Please delete these inquiries due to violation of 15 USC 1681b XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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

On or about XXXX USCB REPORTED I HAD A DEBT OWNED BY XXXX XXXX XXXX I NEVER SIGNED UP FOR ANYTHING WITH COMPANY ONLY INQUIRED I ALSO HAVE NEW MAIL ASKOMG TO JOIN
Product: Credit reporting or other personal consumer reports

Im a victim of identity theft and nothing has changed in my report. I mailed my dispute to Transunion on XX/XX/XXXX proof in the upload documents.. I have not heard anything from Transunion in over 45 days I will be suing Transunion in XXXX business days .. distinctly verify all methods that were use to verify accounts. I demand to know the. Name of agent or rep you spoke to, department, etc ..also documents with my signature and consent serving as proof. Along with terms and agreements. I have my police report along with my affidavit.. 

XXXX XXXX XXXX XXXX - Block of information resulting from identity theft XXXX XXXX ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

These following accounts are fraudulent and need to be blocked and deleted.. 

XXXX TransUnion Account # : XXXX Installment Account Type - Detail : Auto Loan XXXX Code : Joint Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$10000.00} No. of Months ( terms ) : XXXX {$16000.00} According to XXXX XXXX Transunion XXXX, Transunion is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ). Delete account immediately The opening date for this account reported by Transunion is XX/XX/XXXX the reporting date for experian has XX/XX/XXXX This is reporting error .. this account is fraudulent and has to be deleted in 4 days!!!!! 

XXXX XXXX Code XXXX - Block of information resulting from identity theft XXXX Code XXXX  ( Original Creditor : XXXX XXXX XXXX  ) TransUnion Account # : XXXX Account Type : XXXX XXXX Code : Individual Account Status : Derogatory Monthly Payment : - Date Opened : XX/XX/XXXX Balance : {$690.00} According to XXXX XXXX Transunion XXXX, Transunion XXXX suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX, XXXX XXXX XXXX ( b XXXX. Delete account immediately I demand you to delete this account within 4 days!!!!! 

XXXX XXXX XXXX XXXX - XXXX of information resulting from identity theft XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called several times and sent letters asking for the removal of these inquiries as I have no knowledge of them with no help. 

1. XXXX XXXX  ( XXXX ) XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX 3. XXXX  ( Miscellaneous ) XX/XX/XXXX 4. XXXX XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XXXX XX/XX/XXXX 6. XXXX XXXX  ( XXXX ) XX/XX/XXXX 7. XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Student loan

American education services took over my XXXX private student loan. When this took place a couple of years ago, I received a letter from them explaining they would be servicing my student loan. I am XXXX and can no longer work and have been fighting to get my student loan forgiven. Whenever I contact AES to ask questions about what help there is when I can not afford my payments, I am told there are none. When I ask to speak to someone with XXXX, I am told there is no way for me to do that. absolutely no one gives me answers. I need help and there is none with either company. I need help, and it wouldbe nice if someone explained exactly what XXXX AES Does do.
Product: Debt collection

XXXX, Called my manager at my job and disclosed to her he was collecting a debt and would be turning this over if I do not reach out to him. He was never informed he could contact my job nor can they disclose this information to my employer. Also, I recieved a call on my cell phone about this and spoke with someone about 2 months ago telling them I did not know of such debt and requested a letter in mail and never recieved. I was told they are emailing me which is not proper form of communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

TODAYS DATE : XX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was one of the MANY US citizens who has had their personal information stolen ( name, address, SS #, DL # ) during the Equifax security breach. 

Due to the negligence of Equifax, my most valuable personal information is now freely available to any who would wish to utilize it. 

This is completely unacceptable. I have never even used Equifax 's credit services before. I feel violated, unsafe, and have had to spend the entire day proofing my financials due to an incalculable misstep of an ignorant company and its crooked executives. 

Equifax needs to pay, in every sense of the word, for their incompetence in the face cyber crime.