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

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts are violating my rights. 

15 U.S.C. 1681 section 602 ( A ) states that I have the right to privacy.

15 U.S.C. 1681 section 604 ( A ), section 2 states that a consumer reporting agency can not furnish an account without MY written instructions andor consent.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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

This is a follow up a complaint regarding persistent inaccuracies on my credit report and the numerous unsuccessful attempts I have made to rectify these issues. Despite providing evidence that these accounts were not opened late, they continue to be reported as such. These accounts, which were closed in good standing, are erroneously reported as late.These accounts have been incorrectly marked as charged off, affecting my creditworthiness. Despite this, the inaccuracies remain unresolved. I have also tried to dispute these items directly with the creditors involved, but the issues persist. I kindly request that you could help me investigate this matter thoroughly and facilitate a resolution with the credit reporting agencies and creditors involved. I have attached all relevant documentation, including previous correspondence and supporting evidence, for your review. Thease are the following accounts : XXXX. XXXX XXXXXXXX XXXX Balance Owed : {$0.00} - Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. 

XXXX. XXXX XXXX Balance Owed : {$0.00} - I need this account be corrected NOW. 

XXXX. XXXX XXXX XXXX XXXX : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 

XXXXXXXX XXXX XXXX XXXXXXXX XXXX Owed : {$0.00} - Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information XXXX be inaccurate. I need this account removed NOW. 

XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00} - XXXX see things XXXX be inaccurate. XXXX looking at the account name, opening date, and high balance. I believe this information XXXX be inaccurate. XXXX removal of this item is necessary. 

XXXX. XXXX XXXX XXXXXXXX Balance Owed : {$710.00} - The payment history and status are inaccurate. According to FCRA 's Compliance/Obsolescence date determines when the XXXX reporting period begins for accounts that have been charged-off or placed for collection. Please delete this account immediately. 

XXXX. XXXX XXXX XXXX XXXX : {$0.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX Owed : {$79.00} - The limit to this account was a fraction of the amount due as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. 

XXXX. XXXX XXXX Balance Owed : {$0.00} - XXXX believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor believe one exists. Please provide me with verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it.
Product: Mortgage

Lender is has not returned escrow funds of {$1000.00} two months after closing ( XX/XX/2019 ). 

Mortgage was paid off and lender has received payoff funds XXXX XXXX XXXX for Mortgage payoff. 

The funds were wired to their bank ( XXXX XXXX XXXX Bank on XX/XX/2019 ) Lender refuses to reflect the loan as paid off, and continues collection efforts even though they have record of the loan being paid in full. I've called numerous times and been placed on hold for over an hour before being disconnected abruptly. 

My credit report still reflects the full loan amount due, and I have received numerous collection calls from the lender. 

the lender is : XXXX XXXX PHH Mortgage Services XXXX XXXX XXXX XXXX XXXX, NJ XXXX
Product: Debt collection

In XX/XX/2021, I had consent to a complete background screening for employment. Only then was it brought to my attention that I had a multitude of debt and arrests I had absolutely no knowledge of. Due to a private XXXX XXXX situation, 10 years ago, I went into hiding and refrained from anything that placed my information on public record. During this period I had not asked for any credit from anyone cause it placed my safety at risk. I immediately obtained legal counsel and began researching all of this fraudulent activity which began nearly 10 years ago. I filed an identity theft report with law enforcement and the Federal Trade Commission where I received instructions on the recovery process. A fraud alert was immediately placed on my account to prevent further theft and new fraud accounts. Also, all of the necessary documents needed to dispute these fraudulent accounts, were sent via certified mail to the credit bureaus. Under the Fair Credit Reporting Act 605B, the reporting agencies shall remove and block any information from a file that is a result of identity theft. The credit bureaus are alleging that Conns Credit was informed of my documented report of identity theft but instead continue to report this debt as valid ignoring the proof in my documentation. I have never done business with this agency or any creditor affiliated. They do not have anything indicating that I authorized use of my identity to receive any services. I have never provided any forms of identification or signed any contracts to validate this debt. Therefore, ignoring my requests and continuing to pursue payment on a fraudulent debt is extremely unfair, illegal and a bad business practice. I am currently working on obtaining video evidence to bring criminal charges to the person responsible whom I believe is a close relative. In the meantime, this agency needs to honor my rights as a victim and remove this debt from my name and cease all collection efforts from me as I am not responsible nor have I participated in incurring this debt. I believe each company has a process on dealing with fraudulent accounts as they would also have extensive means to verify one 's identity prior to opening these accounts. This has been an overwhelming process and I'd appreciate it if my rights were honored and this debt is removed from my account permanently.
Product: Credit card or prepaid card

From XXXX through XXXX of 2022, Comerica bank/direct Express allowed their employee to steal all of my deposits. I have a more detailed statement I can send via USPS or e-mail
Product: Credit reporting or other personal consumer reports

My credit report is constantly being used to get a credit card from XXXX on XXXX/XXXX/XXXX  XX/XX/2023. I called the company and Im not getting anywhere and someone keeps applying in my name and it keeps hitting my hard inquiries. Im requesting a full investigation into who keeps trying to get a credit card and also the company for not complieing with my request to put a block on any credit card the company supplies at the the moment and I even offered to give them a password only I could use in applying for their services. This has happened twice in the last week and Im asking for resolution asap.
Product: Student loan

I have been paying on a student loan for my son and co-signed by my husband. Somehow, my name was attached without my signature but I've been paying it anyway. I missed one payment 3 years ago and have never been late since. Today I received an alert from XXXX and XXXX that the lender marked my account as not being paid and that I'm unreachable. The last payment was XX/XX/XXXX and it appears as paid on the loan online account. Again, my name is no place on this loan and I probably shouldn't have been paying it, but I did because my husband 's name is on it. However, it does appears on my credit report, and monthly statements showing payments are sent to me and my son. 

The loan was taken out XXXX for my son who attended XXXX XXXX XXXX XXXX XXXX XXXX. The private lender is XXXX. 

There are other loans from this same lender where my name is also not attached to, but only this one appears on my credit report. 

I was making payments in good faith, only to be met with unfair and unscrupulous practices, such as reporting missing or late payments when that isn't the case.
Product: Debt collection

Company claims the validated debt with letter sent on XX/XX/year>. As I have been in XXXX I never received such letter, never received any notification, never received any form of communication beside when I personally reached out after company damaged credit. Provide proof that you contacted the correct address in XXXX with debt validation letter as you have currently stated as well as proof that residence was occupied by me on dates posted. Neither of these will be found as they arent even existing. Do not respond with auto reply.
Product: Checking or savings account

I would like to file a complaint against PNC Bank for not being able to locate my old bank account that had Wire Fraud Activity take place during for time period XX/XX/15 - XX/XX/15. I put a Wire Fraud Activity request in once I discovered the money was missing, and PNC Bank was unable to recover my money in the amount of {$17000.00} that disappeared from my bank account. The banks explanation for no recovery is they are unable to locate my old bank account. After my third request since XXXX, I received a final response from PNC Bank Branch Representative, XXXX XXXX that they had no success locating my account. As of today, XXXX XXXX and I agreed, I should contact the XXXX XXXX XXXX to inquire about how to recover my money. I contacted the XXXX XXXX XXXX, and was referred to Consumer Protection Bureau to assist me with my needs.
Product: Credit reporting or other personal consumer reports

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from XXXX  reporting or misunderstanding of my financial history.
Product: Student loan

On XX/XX/XXXX, I was approved for a XXXX XXXX XXXX from the U.S. Department of Education. I had two loan servicers, XXXX and Mohela. On XX/XX/XXXX, XXXX sent a letter with all the loans that would be discharged and the amount. As of today, XX/XX/XXXX, an entire year later, Mohela still has failed to process my discharge and when I contact them I'm always given the run around about the process. In XXXX I called and was told it could take up to XXXX days to process, IT HAS BEEN OVER A YEAR!! I have also asked for a breakdown of my consolidated loans and that has not been provided. I'm always told to contact someone else. I was told to contact XXXX XXXX XXXX XXXX at XXXX-that number is not taking calls, I was told to contact Aidavantage when I informed Mohela I had no idea of who that was and never had loans consolidated through them and of course, they have no record of me. I was told to look on Federal Student Aid, twice I've informed them it is not showing my consolidated loans breakdown. I'm concerned as to how is Mohela able to service loans they are not able to provide a history for and this concerns me on if my amount is correct, how can I prove it if the servicer is not able to. I called today and once again told to do the same thing again and once I said that's already been done, I was transferred to the resolution department-I wasn't able to speak to anyone but had to confirm by phone number and expect a callback, which I really don't believe I will receive. I've even made complaints with Department of Education as well to no avail. I do not understand how one servicer can process the discharge in a couple of months and Mohela has taken over a year.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute several accounts and multiple hard inquiries listed on my credit report. After reviewing my credit report, I have identified an accounts that I believe to be inaccurate or unauthorized. I am providing the following details regarding the disputed account 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. 

Accounts # XXXX XXXX XXXX XXXX XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 card or prepaid card

I applied for a XXXX XXXX card recently by telephone and got disconnected during part of the application process where they play an automated disclosure. I called and spoke to a representative 3 times and each time got disconnected during this automated disclosure process. Little did I know that each time I called back to resume where I left off that they started a new application for me and it caused me to get denied. I am requesting that this company escalate this matter as each time I call and go through the process I get disconnected. The website also does not work to apply. Kindly I am asking for a second look at my application and some real assistance.
Product: Credit card

I have received numerous offers to apply for the XXXX XXXX over 5 years+. I was most recently solicited ~ XX/XX/XXXX via mail with a XXXX bonus offer, then a email solicitation in XX/XX/XXXX with a bonus offer of XXXX. My credit scores over the past 10 yrs trend in the XXXX. I applied for the card in XXXX and was approved. Amex won't honor the bonus offer. I believe they have a " gaming '' model that they have added me to. They said because I accepted external balance transfers that I'm ineligible. What does balance transfer activity have to do with a pay in full product like the XXXX XXXX? It's not a revolve product. I'm a transactor. In general I don't revolve month to month. Occasionally large ticket items cause me to revolve short-term, where the balance is paid in full before APRs increase. The XXXX charge card is the perfect product for me. Amex can easily see my spend is 90 % with them. If I have been ineligible for years now, why send a marketing offer with a bonus? Why send an offer for XXXX and then increase it to XXXX? If their intent was to not give me an offer, they I should have received marketing material without the offer. What they are doing is bait and switch. It's deceptive. Having a disclosure to say I don't qualify for bonus offer after the fact is not good enough. They knew all along they weren't going to give me the bonus offer yet their communications prominently lead with that communication.
Product: Payday loan, title loan, personal loan, or advance loan

When inquiring about installing a solar energy system in our house, we told them we wanted to get a system where we do not have to use the grid and if power is lost due to storms, etc., we would still have energy because of this system. We were promised to have a system that would not only maintain our energy usage in our house, but that we would also be given 2 free XXXX batteries that would store enough power for up to 2 weeks. Then we were told 2 days, but the batteries never fill unless they get quick charged from the grid and don't last the night. We then also were told we don't get the government tax credit, but that the finance company keeps that. We were set to pay 18 months of {$120.00} and then {$170.00} for the remainder. 
From the XXXX full day after installation was complete, we never were off the grid. We contacted the company immediately and were told all kinds of different stories and given promises. The equipment we were promised was not what was installed. As of this submission, only the first payment has come due and made ( {$120.00} ).
Product: Debt collection

The collection agency Louisiana Recovery Systems is violating my rights under the No surprise Act of 2022. I have one medical bill in the amount of {$240.00} that an out of network provider is charging without my prior authorization- it is reporting on my XXXX report twice.
Product: Credit reporting or other personal consumer reports

Credit reports must have accurate information accross all bureaus
Product: Credit reporting or other personal consumer reports

On XXXX I was alerted to 2 hard inquiries on my credit report one from capital one and one from XXXX XXXX I contacted both companies about this and both said they don't have information that they can give me
Product: Credit card or prepaid card

Received letter on XX/XX/XXXX that Capital One " reduced your credit limit to {$5000.00}. '' I observed Capital One performed an account review soft inquiry on my XXXX consumer reporting file XX/XX/XXXX. They did not advise me of when review occurred or what criteria I did not meet in the last 24 months. 

Further Capital One updates my XXXX XXXX every week since I had the card in XX/XX/XXXX which improved 50 points. It most recently was XXXX, the highest it has ever been yet Capital One took adverse action which may affect my credit score or standing with other lenders. 

They keep sending me pre-qualified offers for car loans etc. and yet would take action ordinarily reserved for deteriorating credit rather than an exceptional credit score. Their response to my initial complaint, which they claimed was a " counter offer '' was simply re-stating exact contents of prior letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. I hope these disputed accounts are updated. It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX  A XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX  ) XXXX Date opened XX/XX/XXXX Balance {$0.00}. 

I'd appreciate it if you could update or correct these reporting accounts as soon as possible. If you don't comply with the request, the accounts should be repaired right away.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXXXXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX CT XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$2500.00} ; XXXX XXXX XXXX Balance : {$5800.00} ; XXXX XXXX XXXX XXXX Balance : {$2500.00} ; XXXX XXXX XXXX XXXX Balance : {$11000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a different XXXX XXXX. I have never received service from this place. TransUnion nor the company can verify and validate this information. 

NXXXX XXXX XXXX XXXX XXXX XXXX TN XXXX File number XXXX Opened XXXX  {$180.00} Opened XXXX {$220.00}
Product: Payday loan, title loan, or personal loan

I received a loan through Mountain Summit Financial on XX/XX/XXXX. I had paid 5 payments in the amount of {$300.00} each. I was qualified for an increase to {$2100.00} on XX/XX/XXXX. I made one payment to date of {$320.00}. I was informed by my attorney that these installment loans are illegal in the state of California and he successfully was able to get me a full refund of the amount of interest I had paid over the course of the loan. 

With this loan the remaining principle balance is {$250.00}. However, a recent loan before this was paid over the amount loaned to me on XX/XX/XXXX for {$1200.00}. The total payment made to this loan initialized on XX/XX/XXXX was {$2400.00}. An over payment on the principle was made, therefore {$1200.00} should be returned to me. To offset the amount owed ... {$1000.00} should be returned to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to delete these unverified items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX