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

Please help to rectify this matter. Several months ago, I noticed many mistakes as I inspected my credit report. I immediately reached out to XXXX, XXXX, and Equifax, requesting the investigation of the following items : 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 There is also a more recent account that I disputed, but less times than the others, " XXXX XXXX XXXX XXXX ''. I have mailed out XXXX dispute letters to the credit reporting agencies. All mail has been sent certified, and USPS tracking has confirmed that the mail has been left with company agents. I have informed the credit reporting agencies that they are reporting a plethora of inaccurate information. I made sure to include a copy of each credit report, with highlighted information indicating what needed to be investigated, as well as with the reasons as to why. I also informed them that the information being reported amongst them is very inconsistent and contradictory in comparison to one another. To this day, I have XXXX indication that an actual honest and ethical investigation was ever conducted on my behalf. Still to this day, I have no communication that my dispute was being handled or processed. I never received any credit reports reflecting any investigation results, -which I requested within each dispute letter. There has been XXXX correspondence altogether. Why are they are failing to help me, or respond to me? This is not fair! The credit reporting agencies did not follow 15 U.S. Code 1681i, which details the steps they required to follow in the case of disputed accuracy. The furnishers listed above violated 15 U.S. Code 1681s2, which prohibits furnishers from reporting information that is believed to be inaccurate by the consumer. The furnishers never followed this rule and continued reporting during each and every dispute! Furthermore, my right to privacy is being violated. 15 U.S. Code 1681 states that credit reporting agencies have a grave responsibility to be fair, as well as respect my right to privacy, and 15 U.S. Code 6801 states each financial institution has an affirmative and continuing obligation to respect my privacy, as well as to protect the security and confidentiality of my nonpublic personal information.That is not happening! My private nonpublic data has been compromised, and is being shared with nonaffiliated third parties without my expressed consent! None of these financial institutions clearly and conspicuously disclosed to me that my information would be reported/shared, or provided me with any options to opt out of reporting, which is in violation of 15 U.S. Code 6802. I never had the chance to exercise my rights. No consent is merely identity theft! Their careless actions have caused me severe harm and inconvenience.
Product: Credit reporting 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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to formally report fraudulent accounts appearing on my consumer FICO credit report, which I do not recognize as mine. These accounts are the result of identity theft and fraud. 

The fraudulent accounts include : 1.A personal credit card account opened with a major financial institution.

2.An auto loan account opened with a credit union .

3.A personal loan account opened with another financial entity. 

These accounts have led to unauthorized charges, fraudulent hard inquiries, and erroneous collections being reported on my consumer credit report. These inaccuracies are causing harm to my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information reporting on my credit file that does not belong to me : XXXX XXXX opened XX/XX/XXXX ( Please remove from my credit file ) XXXX XXXX is inaccurately reporting that i was late in XX/XX/XXXX. Please remove these inaccurate lates on my credit file. 

Please remove incorrect address information : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX, and XXXX XXXX Please remove unauthorized inquiries. I did not authorize these 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
Product: Checking or savings account

On XXXX XXXX XXXX  I contacted Bank Mobile XXXX about some transactions from merchants that I never received my orders. The merchants told me that I would need to file a dispute with my bank. I filed a dispute with my bank, and it's almost been 60 days without any credit back. Also, every time I try to use my debit card at any atm it says there's an issue with my debit card, to contact my bank. I have brought this up to my bank as it is frustrating. Even though the atm said the transaction couldn't be completed it was still deducted from my balance, but no money came out of the ATM. I had to file a dispute for that as well and I am still waiting to hear back from Bank Mobile.
Product: Mortgage

I sent an email to PNC advocate over a week ago asking what was I supposed to do with the current modification offer due on XX/XX/XXXX  in the meantime while I wait to hear from them by XX/XX/. I requested for a more affordable mod. According to HUD.Gov PNC is supposed to offer homeowners affordable monthly payments by either reducing the P & I to prevent default on monthly payments. PNC continues to offer high-interest-rate loans that are not affordable. Their last offer, which I did not request a mod of monthly payments for {$2000.00}. I want my loan to go back in its original state to where I was paying {$1300.00} per month, which is more affordable since I now have job to cover my monthly expenses. I want my payments reduce and I need answers as to what am I supposed to do with this loss mitigation offer that is due by XX/XX/?
Product: Credit reporting 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. 

Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

inaccurate information on credit report, 15 usc 1681, removed all accounts without authorization and want all account back reading paid as agreed never late. A so called creditors on the accounts are really debt collectors under 15 usc 1692a6, and the consumers extend credit via their social security number that has an open ended credit plan under 15 usc 1637. All applications for credit ar consumer credit contracts under 16 CFR 433.2 and are taken or received as payment for services goods or leases. By the credit reporting agency not having a contract with a consumer to unauthorized uses of credit card to debt collectors without consent and providing information that a consumer is a debtor when the banks and companies are liable as trustees to a cestui que vie trust consumer credit transaction after receiving consumer credit contracts and using the credit card social security card without receiving benefit after the use of the card which is a violation of 12 cfr 1002 and the ceo and agents are criminally liable by knowing this t=from lawsuits lost and still have not corrected all consumer credit reports to have the consumer reflected as the original creditors under 15 usc 1692cc2 . this is a bad faith action by the credit reporting agency and i am owed XXXX  dollars for every account removed fraudulently without my consent, by the defamation of character by showing paid off accounts and verifications by automated service to computer generate responses without looking into issues of false information under 18 usc 1001.
Product: Credit reporting or other personal consumer reports

To whom it may concern I recently discovered that my personal information was exposed in a data breach, resulting in inaccuracies and negative entries on my credit report. I am requesting that all incorrect or fraudulent items be removed promptly from my credit file within the 30-day dispute resolution period.

Thank you for your attention to this urgent matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted disputes on XX/XX/18, XX/XX/18, and XX/XX/18 to 2 credit reporting agencies asking them to correct a student loan account that I have at XXXX XXXX XXXX that they both erroneously list as discharged through Chapter XXXX bankruptcy. I also called twice and was told to send supporting paperwork along with a cover letter indicating what I would like done to correct the error, which I did both times. 

The school loan account was NOT discharged in bankruptcy, and I currently pay on it each month. My payments have never been late. I twice submitted the court documents that prove that this account was not included in the bankruptcy, and I submitted a current school loan statement indicating my current balance due. I received a response from both credit reporting agencies that confirms the information they have on file despite the paperwork I submitted proving that they have it listed incorrectly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Experian over 20 times through the last 30 days between phone calls, letters, and e-mails to your executives which have all gone unanswered.

To date Experian has triggered an unsolicited fraud alert and unilaterally decided to send that information to the other 2 major credit reporting agencies. 

Since the fraud alert, I have called in to confirm that I had given no consent for any changes to be made to my account and had been assured on each occasion that the fraud alerts have been lifted. 

I can confirm that Experian still has my credit frozen. So I repeat, I demand that ALL reports through Experian under my name are to be unfrozen immediately as I never requested or gave any consent for a credit freeze to be implemented or communicated to another report as that constitutes as non-public information.
Product: Credit reporting or other personal consumer reports

Companies XXXX XXXX XXXX account # XXXX And XXXX XXXX XXXX XXXX  account # XXXX I requested 1099-c from these companies and previously disputed these accounts with TransUnion XXXX XXXX XXXX problem has not been resolved charge offs are considered income and income is not to be reported to consumer credit report 15 usc 1681 e ( b ) maximum possible accuracy 15 usc 1681 b ( a ) 2 permissible purpose of consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to inform you I was the victim of identity theft. I'm disputing the account as it was opened without my knowledge, consent or authority. I'm including the FTC report from the site identitytheft.gov. 

Please dispute the account. It was opened without my knowledge, authority or consent. 

XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has ben XXXX months now that I have tried to fix my credit and these the credit bureaus have not helped much! In fact they have ben violating my rights under the FCRA! Below I attached all my attempts to fix this issue through letters! I am desperate to get credit lines so I can pass by these hard times! I am seeking help from the CFPB because I dont know what els to do! 

Please help!
Product: Credit card or prepaid card

I purchased 3 airline tickets from a foreign airline by the name of XXXX. 

Our flight was scheduled to depart in XX/XX/2020. We received short notice that our flights were canceled and a voucher was " issued '' and could be exchanged for another flight within 1 year before expiration. The airline announced that they would no longer fly from the USA making using that alleged voucher impossible since I must fly from the USA to any destination. For months their customer care stopped taking calls and there was no way to reach them. I attempted to call XXXX multiple times to learn how to redeem the alleged voucher that wasn't showing up on my account. After several attempts to reach them, I filed a dispute with Apple Card and they shortly decided to close the claim in favor of the airline. Stating that the merchant has told them they provided a credit voucher. I went to further explain there was no such voucher on my account and they weren't operating anymore. The Apple Card rep was no help and said unless I had " new '' evidence there was nothing that could be done. I was infuriated! I had just been robbed of almost {$500.00} and the company presumably helping me was siding with the merchant who is being dishonest. 

A few months passed and now the airline 's website ( XXXX ) is no longer in existence, their customer care 800 numbers are not in service! 

It has been publicized that the airline has not even paid its workers. I shared this with the 3 Apple Card representatives and all of them gave me the ridiculous response that it " wasn't new evidence ''. This airline has thousands of hundreds upon hundreds of complaints about their practices and the company that has promised to back me up has not done so. This is all so frustrating, we are in the middle of a pandemic, we have no jobs or steady income and now this? It makes me sick to my stomach, I am deeply disappointed with Apple Card because I've heavily promoted their products and services to everyone I know and converting most of them from their competitors to XXXX and now they have failed me. 

XXXX can not just agree with the merchant ( XXXX ) that they have provided a solution when their website, phone numbers, and the airline is not even operating. 

I've attached some screenshots of the ongoing issue and hope I can find someone who can help me. My next step is contacting the media to shine a light on this issue.
Product: Credit card or prepaid card

I paid to XXXX, for a service I never asked for, and I paid {$52.00} for 11 or 12 months, which is either {$580.00} or {$630.00}. I downloaded a document to give to the Refinancing Bank. I was asked by XXXX if I wanted to continue receiving their service and I said : no. 
However, XXXX continued charging my credit card. Therefore, I had to close my credit card. Bank of America returned me three months that I paid. But after I sent a letter with all the info they wanted, they gave me a short time to answer them again. The time period was very short, so they gave me the possibility to send them a fax with the proof that I canceled XXXX. I did not have time to cancel, a service that never asked for, because after I complained to Bank of America, XXXX canceled my service. It seems that they never read my fax because they sent me a letter telling that : " Because I did not send the cancelation '' they sided with XXXX and they told me that not only they will not give me my money back but also they will charge me again for the three months they had returned the money.
Product: Credit reporting or other personal consumer reports

I am submitting a formal dispute concerning Experians failure to properly handle my previous disputes, as well as its noncompliance with the requirements of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). My experience aligns with the systemic issues outlined in the recent CFPB lawsuit against Experian, which highlights significant flaws in their dispute resolution processes. 
I previously disputed the following items on my Experian credit report : Account Name : XXXX XXXX XXXX, Account Number : XXXX, Account Name : XXXX, Account Number : XXXX, Account Name : XXXX, Account Number : XXXX, Account Name : XXXX  XXXX, Account Number : XXXX, Account Name : XXXX XXXX XXXX, Account Number : XXXX, Account Name : XXXX, Account Number : XXXX, Account Name : XXXX XXXX XXXX, Account Number : XXXX, Account Name : XXXX XXXX XXXX, Account Number : XXXX XXXX XXXX XXXX - XXXX - Unverified XXXX - XXXX - Unverified XXXX - XXXX - Unverified XXXX XXXX - XXXX - Unverified XXXX XXXX XXXX - XXXX - Unverified XXXX - XXXX - Unverified XXXX XXXX XXXX - XXXX - Unverified XXXX XXXX XXXX - XXXX - Unverified Although I provided evidence supporting my dispute, Experian did not conduct a proper investigation.
Product: Credit reporting or other personal consumer reports

According to my most recent credit report, i have hard inquiries that is currently reporting to the three credit bureaus that I applied for credit with their organization. I did not grant anyone authorization to review my credit report.

The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus.

The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you.
Product: Debt collection

Per my fair credit reporting act USC section 611I am demanding immediate correction for debt that is showing a balance that was in fact paid in full it is a defamation of my fair credit reporting act all other credit bureaus are reporting accurate information Besides XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. my request to block is made in error : nor is my request being made on the basis of material misrepresentation of fact by me relevant to my request to block the identified transactions are not information related to any transactions by me as the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

3. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX  Account Number : XXXX Please remove it from my credit report.
Product: Debt collection

I have received numerous calls from this company and they never left a message until today. I returned their call as at this point I was curious as to how they had my phone number.They were inquiring about my neighbor ( which we do not speak to ) saying it was a personal business matter. I have n't spoke to my neighbors in over a decade. they said they had me listed as an associate i.e. living with them. This is Pioneer Recovery and they DID NOT and DO NOT HAVE BUSINESS WITH ME! I am on the DO NOT CALL REGISTRY. They were just fishing for information and they made it sound like she was in dire trouble and that her husband could n't know. Well, they did n't get any information this time. This is deceitful and quite frankly a waste of my time. This has nothing to do with me.