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

I HAVE SENT OVER 3 609 LETTERS AND HAVE ONLY GOTTEN DISPUTES OR INVESTIGATION WHICH IS NOT WHAT I ASKED FOR. I SENT ID SSI WITH THE LETTERS. WHEN I CALLED AND INQUIRY I WAS HUNG UP ON 3 TIMES AND ENCOURAGE TO FILE A COMPLAINT WITH CFPB. SO I AM HEAR NOW HOPING TO FIX THIS. EXPE XXXX XXXX XX/XX/2019 XX/XX/2019 XX/XX/2019 XX/XX/2019 XX/XX/2019XX/XX/2019
Product: Credit card or prepaid card

In XX/XX/XXXX I was the victim of identity theft that initiated from taking over my cell phone SIM card and service number. On XX/XX/XXXX I again lost service to my cell phone and was told that someone claiming to be me took over my account and was now using my XXXX XXXX XXXX cell phone account and number. I then learned that this individual opened and was approved for at least three credit cards in XXXX XXXX XXXX by providing my name, my Social Security Number, my correct home address, my birth date, a Pennsylvania state-issued drivers licence ID, and my cell phone number. I have contacted the PA police and the XXXX police departments, but have been told that they are unable to help. I have put a fraud alert on my social security number. I spoke with the XXXX XXXX store clerk in XXXX and they do have video surveillance of the person who was opening two of the credit cards with my stolen identity on XX/XX/XXXX. The police departments are not concerned about helping me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the beginning of XXXX I wrote a complaint about XXXX XXXX XXXX, XXXX  and XXXX  not correctly reporting an account on my report. On XX/XX/2020 XXXX XXXX XXXX seemed to have corrected the issue by showing the account closed and in collections, however on XX/XX/2020 the account is now showing on my XXXX   report as open and current bringing my score back down! According to the fair credit reporting act they are to report accurate information on my credit report and have not done so! If need be I will seek legal representation from a consumer attorney!
Product: Credit reporting, credit repair services, or other personal consumer reports

about 2 months ago i received a copy of my credit report and noticed several accounts that are listed on my report that i never apply for and never used and never received any benefit from. i disputed these accounts and refused to removed them all these accounts are the result of identify theft XXXX XXXXXXXX, {$9500.00}, ( XXXX ) XXXX, XXXX XXXX XXXX, {$840.00}, ( XXXX ) XXXX, XXXX XXXX XXXX, {$1100.00}, ( XXXX XXXX XXXX, XXXX XXXX, {$5000.00}, ( XXXX ) XXXX, XXXX XXXX  XXXX, {$1100.00}, ( XXXX ) XXXX, XXXX XXXX, {$51000.00}, ( XXXX ) XXXX, XXXX XXXX, {$1500.00}, ( XXXX ) XXXX, XXXX  XXXX XXXX, {$910.00}, ( XXXX ) XXXX, XXXX XXXX XXXX, {$490.00}, ( XXXX ) XXXX, XXXX XXXX  XXXX, {$420.00}, ( XXXX ) XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I have thoroughly reviewed my records and have no association with the listed creditors. I did not initiate any application or authorize any party to request my credit information from your bureau on the mentioned date. This inquiry is not related to any financial transactions or accounts that I have opened or applied for.
Product: Debt collection

I have sent multiple Debt Validation Letter to This Company XX/XX/2023 and also XX/XX/2023 they have responded To My Letter without showing sufficient Proof I Owe There Company I havent seen any Of My Signature On Any Documents were I Agreed To pay this company or obligated to pay this company!!!!!!!
Product: Credit reporting or other personal consumer reports

Until XX/XX/2021 I was not provided with promised services i.e. I did not receive data correctly at my home per my XXXX, wireless contract and agreement. Therefore, services I was paying were not being rendered and breach of contract occurred. I tried repeatedly to correct the service with XXXX through various departments including tech, to no avail. I left them in frustration finally. I tried to negotiate the amount due because these services were not delivered. They were nasty and mean and preyed upon my hardship during the pandemic. Ultimately they sold the debt to XXXX XXXX XXXX, and this is who I paid and now have a XXXX balance. In essence, experian, XXXX, and XXXX XXXX are report negatively for an exorbitantly punitive amount of time! When infact, the information on these reports is inaccurate -XXXX is not the collection -which is why it should be deleted from all XXXX agencies immediately. Someone help here. Seriously, how is this legal. I have right in the Fair credit reporting act and they are being violated. Innacurate information and phone calls at inappropriate times. XXXX and XXXX last night was the most recent from the XXXX level of XXXX XXXX I have made complaint with the FTC XXXX XXXX  XXXX State Attorney and the XXXX. I was definitely harassed last night because the situation and the effort this must be deleted! It definitely not fair and definitely not accurate!
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to access my Experian free annual credit report on XX/XX/2020 and XX/XX/2020. I am unable to receive my free annual credit report online. Both times, I received the following error message. 

" A condition exists that prevents Experian from being able to accept your request at this time. To obtain your Experian annual credit report, please mail your request to the address below using the Annual Credit Report Request form. '' This message is too vague and I do not have the option to work with Experian to research or resolve the " condition ''. There is no contact information such as a phone number, email address, or mailing address. 

I had no issues obtaining my credit report from the other two agencies.
Product: Credit reporting or other personal consumer reports

I am filing this complaint pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., as well as other applicable federal regulations protecting consumer privacy and credit reporting accuracy.

Right to Privacy Under FCRA According to the Fair Credit Reporting Act, 15 U.S.C. 1681, Section 602 ( a ), there is a clear mandate to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
XXXX, XXXX, and TransUnion are consumer reporting agencies, and I am the consumer. Therefore, my rights to privacy must be upheld in accordance with this provision.

Protection of Nonpublic Personal Information 15 U.S.C. 6801 states : It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

The furnisher of information to the credit agencies is a financial institution by definition. As such, they are obliged to keep my personal information secure and must not share my data without adhering to the law.

Requirement for Written Consent Before Furnishing Information 15 U.S.C. 1681, Section 604 ( a ) ( 2 ) stipulates that a consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the consumer to whom it relates. 
Neither XXXX, XXXX, TransUnion, nor the furnisher of information have received my written consent to report or share my private information. Any prior consentwhether verbal, implied, or otherwiseis hereby revoked. 

Right to Opt Out of Disclosure 15 U.S.C. 6802 ( b ) ( c ) clarifies that a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unlessthe consumer is given an explanation of how the consumer can exercise that nondisclosure option.

I was never informed of my right to exercise a nondisclosure option.

Furthermore, 12 C.F.R. 1016.7 states, A consumer may exercise the right to opt out at any time.

I am formally opting out of any reporting or sharing of my personal or financial information by these entities.

Accuracy and Reasonable Procedures Under 15 U.S.C. 1681s2 ( a ) ( 1 ) ( A ), a furnisher of information 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.

15 U.S.C. 1681e requires every consumer reporting agency to maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. 
XXXX, XXXX, and TransUnion are not maintaining reasonable procedures, because they continue to publish and distribute inaccurate, outdated, and unverified information despite the statutory requirements.
Product: Credit reporting or other personal consumer reports

TO WHOM IT MAY CONCERN IM A VICTIM OF IDENTITY THEFT SOMEONE HAS MADE PURCHASES USING MY PERSONAL INFORMATION AND ITS BEEN A ON GOING BATTLE FOR OVER 10 YEARS
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit with the fair Credit Reporting Act XXXX account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in regards to innacurate information on my credit report involving all three credit bureaus. I disputed the information by mail and have delivery confirmation. I was then notified the information was verified as accurate. I then requested a method of verificationn with delivery confirmation and expected a response with in 15 days. I have recieved a copy of my current credit report with either no changes or only some changes in most cases the changes weren't even relevant to my dispute. There however has been no method of verification whatsoever.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX INQUIRIES : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Cherrington called me requesting payment for a debt I did not know I owed. My utilities that I thought had been paid off, had gone to collection XX/XX/2016, but I was not notified until now ( XX/XX/2016 ). The original debt was for {$300.00} and Cherrington has more than doubled it with fees. I told them I needed to verify the debt and they were pushy to have it paid without verification. After I called my utilities to verify I called back and offered to pay the original debt. They refused to take anything less than {$700.00}, which I did not have. So, they threatened legal action if I did not pay that same day or set up a payment plan that would total {$900.00} if not more. They also brought up an old debt of 10+ years and said they would tack that on to the payment. No legal action had been made on the old debt and I had n't even heard that I owed it until now.
Product: Checking or savings account

XX/XX/2022, there were unauthorized transaction in our RBFCU XXXX Checking account for the amount of {$800.00}, which I noticed next week. I reported that next week stating that I have not provided my account information to the merchant who charged our account. I also requested for the fraud claim for {$800.00}. The bank informed me that they can not refund the fraud claim because I supposed to inform them with in two days of the transaction. 

I did not provide my account information to the merchant. I requested for the complete information about the merchant, which RBFCU did not provide. Our personnel identification was misused by the organization, which gave access to the merchant to withdraw our fund without consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Preferred Credit has been paid off and they stated they reported he information to the bureau. The bureau is showing the account open with a balance. I have a letter verifying it is paid.
Product: Bank account or service

XXXX I am writing regarding a previous complaint. I submitted the complaint ( 9 ) days ago. The # CFPB gave me for it is above. I tried to " CHECK STATUS '' but the page it jumped had no info. The complaint history - on a different page - states : Sent to Company. 

I received a phone msg. from the XXXX office on the XXXX or XXXX, asking me to call them. I have called ( 3 ) times. No other messages were forthcoming and my calls where not returned. I have no idea what the status is and my account and the fee money remains with the bank. 

The complaint is regarding fee and charges that were unfair and excessive. I post dated a check and it was cashed early with a {$6.00} short in the amount to clear it. Since the check was cleared EARLY, I received {$95.00} in fees. The fees are disproportionate to the shortage. The banks are allowed to charge outrageous fees. 

The account is a small business account. I paid out {$600.00}. to employees in cash because I could not use the account. 
Another fee was charged when a campsite establishment made an unauthorized use of a debit cards " on file '' and ( 5 ) days after our stay used the wrong card, caused another fee.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXXXXXX - XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XX/XX/XXXX  XXXX XXXX XXXX XXXXXX/XX/XXXX  XXXX XXXX XXXX
Product: Checking or savings account

Opened a CD with XXXX bank on XX/XX/XXXX online. During the process, I was prompted of how to fund the CD. I selected EXTERNALLY, and submitted my Bank of XXXX XXXX. 
XX/XX/XXXX Bank of XXXX deducted the amount from my account ( $ XXXX ) XX/XX/XXXX Citizens can not find the funds. Spent 2 hours on the phone with Citizens, was told to call Bank of XXXX for them to use the Trace Info to pull back the funds. XXXX stated it was a ACH transaction, not a transfer, so there is no Trace Back option as that a transaction doesn't use XXXX XXXX. Was told to call Citizens bank as the money has bee pulled from my XXXX  account Called Citizens, this time was told it was a XXXX Transfer that failed. And to call Bank XXXX XXXX again. 
Bank of XXXX states there is nothing they can do as it the same as using a Debit card, once the money is out of their hands, its up to Citizens to figure out where it is. 
No one at Citizens can find my $ XXXX.
Product: Debt collection

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against CREDENCE RESOURCE MGMT. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm relocating to LA and looking to purchasing a condo. I checked my credit score just to see what was on my report because I haven't checked it in a minute. While checking my report I saw a couple of items that are not mine. This is fraud so I have taken the liberty of reporting it to the police as well and FTC. XXXX  XXXX, XXXX XXXX, XXXX XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Forbearance was approved from XX/XX/XXXX to XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX accounts ending in # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX and # XXXX are closed as of XX/XX/XXXX and were approved for forbearance from XX/XX/XXXX to XX/XX/XXXX and XX/XX/XXXX to XX/XX/XXXX. 
Forbearance is not reflected in some of the closed servicing accounts and some of the open service accounts should be closed. 


Company 's Response We have reviewed your complaint along with the information you previously provided regarding this issue. After reviewing the activity on your file, along with the information in our data base, we have updated the XXXX XXXX accounts ending in # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX and # XXXX. These items are now currently reflecting the payments from XX/XX/XXXX through XX/XX/XXXX as in forbearance. An email has been sent to you informing you that you may view the results of this investigation online. If you have any further questions, please call us at XXXX, XXXX, XXXX XXXX   XXXX XXXX ET. For more information please visit our Frequently Asked Questions page at XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent off a letter on XXXX XXXX XXXXXXXX to remove personal information that I didn't authorize on my credit report. According to the fair credit reporting act 12USC 1681. I have the right to privacy also according to 15 USC 6802. No financial institution is not supposed to share my information with third-party people. 

these are clear violations of my federally protected consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a credit report from TransUnion, and it arrived in an unsealed envelope on XX/XX/XXXX, though I did not discover the envelope 's status until XX/XX/XXXX. I called TransUnion on XX/XX/XXXX to complain, as TransUnion 's return address was visible from the exterior of the envelope and would have alerted unauthorized others about the envelope 's contents. The security of my confidential information was breached. 

The TransUnion representative I spoke with put me on hold and came back to say that I should contact the United States Postal Service, as TransUnion provides documents to the USPS for envelope stuffing and mailing. I certainly hope that conversation was recorded. I went back and forth with the representative about the accuracy of her statement, and the call was disconnected for unknown reasons. 

On XX/XX/XXXX I initiated an investigation with the USPS regarding TransUnion 's claim. On XX/XX/XXXX I received an email from the USPS stating that the USPS does not stuff envelopes for companies. 

On XX/XX/XXXX, at the recommendation of a CFPB representative, I mailed a written complaint to TransUnion. I sent this certified so that I could track its receipt. On XX/XX/XXXX I received a response from TransUnion. It was a generic letter indicating that I had filled out their complaint form improperly or illegibly. 

In the meantime, I spoke with an attorney on XX/XX/XXXX who suggested that I request a new credit report each week through XX/XX/XXXX. Given that the online submission process through XXXXXXXX XXXX XXXX XXXXXXXX XXXX does not actually allow me to obtain my credit reports online, I've been sending my requests via certified mail. This is due to the confidential information on the request form. It costs {$7.00} to mail a certified letter. Some people can not afford to spend {$7.00} per week for approximately 42 weeks to monitor for indications of identity theft. It is ironic that some of the credit reports I have to request come from TransUnion, which is the company that caused this whole problem. 

I am asking for assistance in holding TransUnion accountable for neglecting to seal the envelope containing my confidential consumer and personal information. If a health care entity had failed to seal an envelope containing a person 's protected health information, that entity could be penalized by law. TransUnion neglected its duty to protect my data, then blamed the issue on the post office and disregarded my written complaint. I am left with the onerous task of protecting myself from identity theft, and it is costing me at least {$7.00} a week in addition to my time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was taken advantage of due to mild practice of several laws were being broken under FCRA by your company this cause financial PROMBLEM DEFORMATION OF CHARACTER I CAN NOT GET A JOB AND APPLY FOR CREDIT I CANT EVEN GET A SBA LOAN DUE TO THE PANDEMIC .UNDER THIS CRISIS YOU HAVE HURT MY ABILITY TO APPLY FIR CREDIT I ALSO HAVE PROOF WITH TRACKING NUMBER THAT THE COMPANY HAVE GOT TA MY LETTERS