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

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT #XXXX XXXX XXXX XXXX, HAS VIOLATED MY RIGHTS.

15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO
 PRIVACY.

15 C 1681 SECTION 604 A SECTION 2: IT ALSO STATES A
CONSUMER REPORTING AGENCY CANNOT FURNISH A ACCOUNT
WITHOUT MY WRITTEN INSTRUCTIONS
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USE MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I HAVE CONTACTED ALL LAW ENFORCEMENT AGENCIES AND MADE A CRIMINAL COMPLAINT I am writing to request and initiate a formal complaint againstXX/XX/XXXX XX/XX/XXXX and Experian CRA. On XX/XX/2020, I mailed XX/XX/XXXX, XX/XX/XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of the following unauthorized or inaccurate credit inquiry from my credit report. Upon reviewing my credit report, I noticed these inquiries listed that I did not authorize. The credit bureaus have listed these on all 3 credit reports several times. I have even requested a method of validation and didn't receive anything. 

The details of the inquires in question are as follows : XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX, XX/XX/XXXX ( Reported several times on the same day ) XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( on my reports several times ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX - No date listed XXXX XXXX - No date listed I have thoroughly reviewed my records, and I can confirm that I did not authorize these inquiries. Most of these inquires are on my report SEVERAL TIMES and on the SAME DAY. According to the Fair Credit Reporting Act ( FCRA ), under 15 USC 1681. I have the right to dispute any information that is inaccurate or unverifiable. Also under section 605B it is illegal to report anything on my credit report without my permission and I didn't authorize these inquires. I have already contacted the original creditors who pulled my credit report and filed a dispute with them and and now with the CFPB. I kindly request that you investigate this matter and remove these inquiries from my credit report as it does not belong there.
Product: Debt collection

Received a text on XX/XX/XXXX that Credit Collection Services was attempting to collect a debt from XXXX XXXX XXXX. This is not a debt that I owe as I had never agreed to receive service from XXXX and they charged me anyway and sent my amount due to collections. Received another text from Credit Collection Services on XX/XX/XXXX with the same message. Spoke with representative of Credit Collection Services over the phone on XX/XX/XXXX and informed her that this was not my debt and that I had other coverage during this time with Progressive. Representative informed me that I would need to upload the Declarations page from Progressive to dispute the debt. I informed her that I did not have it and stated that I could upload my insurance card with the policy number and effective date of the policy instead to which she stated was satisfactory and gave me a pin number to upload it to their website. I attempted to upload the insurance card after the call but forgot the pin and was unable to upload it at this time. Received another text message from Credit Collect Services on XX/XX/XXXX that they are attempting to collect for XXXX XXXX XXXX for {$140.00}. Again, I do not owe this debt as I was insured at the time by Progressive. Spoke with representative at Credit Collection Services on XX/XX/XXXX to attempt to retrieve a new pin number to upload the document to their website. She stated that I would need to sign up for their email program or that I could fax the document to them and also demanded that the Declarations page be uploaded as the only acceptable form to dispute the debt. I informed her that per my previous conversation with their representative that I had been given a pin to upload the document and that I did not want to be signed up for an email program she then attempted to argue and state that the only way they could receive the document was for me to sign up for the email program to upload it or to fax the document to them. I also informed her that the previous representative had stated that my insurance card with the effective date and the policy number were acceptable to dispute the debt to which she stated it must be the declarations page. I informed again that I did not want to do the email program and that she could give me the pin as they had done before and allow me access to upload my document and that if it was unsatisfactory they could inform me later of that. She then stated that it was " not a problem, ma'am. I can provide you with the pin. '' After she gave me the pin I then hung up with her and used the pin to access the website and uploaded my insurance card to the website. I then called Progressive and obtained a copy of my Declarations page, reaccessed the Credit Collections Services website using the pin, and uploaded the Declarations page from Progressive.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA, AMERICAN EXPRESS used and intentional perversion of the truth to induce the consumer to be reliant upon it to deprive the consumer of it's right to privacy. AMERICAN EXPRESS reported my private nonpublic and personal information to consumer reporting agencies without lawful authority or actual consent of the consumer thus committing identity theft. These fraudulent actions have caused me to sustain injuries such as a loss of opportunity and wages.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is a " for profit '' Holding company that does not disclose, they portray to Credit Bureaus, that in fact their subsidiary XXXX XXXX is a collection agency ( and has never stated that we are working with XXXX XXXX ... their actual and sole collection branch ). Never has an agency ( XXXX  ) on the phone or in writing explained that they are a collection agency. The following is the dispute letter I sent to all three major Credit Reporting Agencies ( XX/XX/XXXX ) : XXXX, Equifax, XXXX ) Dispute 1 Unfair Business Practices : reported as in collections Source of dispute information : XXXX obtained our balance from XXXX XXXX XXXX. and immediately reported this as in collections without our knowledge of this action. We were not told or informed that we needed to pay the full balance or that we even owed XXXX. Failure to make full disclosure is unfair business practices, and bad faith. We began negotiations through an agent ( XXXXXXXX XXXX ) and after months of their ( XXXX XXXX ) inaction we agreed to payment and have made current payments. XXXX agreement to the monies we pay monthly are in direct conflict with the agreed upon payment plan - as they report us as " in collections ''. How can they report us as in collections, when they in fact made the recommendation for the payment plan and have agreed to said plan ... and never once have they said they are a collections agency? 
Type of disputed information : Access to the credit bureaus by XXXX while willfully reporting us as in compliance to our agreement to said payments and portraying to the credit bureaus we are in collections ( never to us ) is bad faith. XXXX is unfairly reporting us when in fact we are making the agreed upon payments and payment plan. 

This practice to not have a systematic program to notify consumers that they are a collections agency is another instance for bad business practices. 

They have been sited in the past by the ED-OIG in XXXX for not having solid ( Final Report XXXX ) process or procedures. Page 6 of that report calls out for XXXX to ( Recommendations 1.2 ) " Develop procedures to ensure ... for allowable ... activities. '' This shows and identifies they continue poor business practices and is indicative of a culture whereby the interest to be fair and impartial to/with consumers is concerning and bad faith.
Product: Debt collection

This company completed a charge-off which is debt that has been discharged and they took a tax write-on XX/XX/2022. After contacting the IRS they explained that it was illegal that that they were reporting this information to my credit report trying and still trying to collect when this transaction has a charged-off status. This is called tax fraud by the IRS. I requested that they remove this item from my credit report and send me my COMPLETED copy of the 1099-C so I can audit it to ensure you they comply. They violated the FCRA 15 USC 1681eb and they are reporting information that's not 100 % accurate. The IRS directed me to file form 3949a for illegal tax violations against the company. Then they did not credit my account from the dividend payment that they made off of my treasury coupon via the Electronic Funds Transfer Act and I would like you to do so promptly.
Product: Credit card

Within the last two weeks, I asked for a loan from my credit union and discovered that my credit score had dropped due to an account charge off at Kohls. I was unaware that I had an account at Kohls as I do not recall asking for XXXX or signing to open XXXX. Additionally, I never received any communication from Kohls indicating to me that I had an account open or that a balance existed. There has been no mail received by me from Kohls at my address. I do not know who did this or what apparently was purchased under this account that has resulted in a charge off on my credit report. I kindly ask for some assistance in this matter to resolve this matter and get answers to who established the account and why did I not get account notifications mailed to me. If I would have received notification of the account, I would have taken action much sooner to find out who established the account and get this matter resolved rather than going to my credit union and finding out I have a charge off account at Kohls. Thank you for your help.
Product: Debt collection

I have been working with PNC Bank since XX/XX/XXXX to get Hardship/Forbearance for the two Home Equity loans ; XXXX, XXXX. I was informed on XX/XX/XXXX that I could not get forbearance of the loans from PNC Bank. I have been working with the North Carolina Home Owners Assistance Program, XXXX and XXXX XXXX, XXXX XXXX since XX/XX/XXXX to remedy the payment of the two Home Equity loans : XXXX, XXXX. I still have a case pending with the North Carolina Home Owners Assistance Program, XXXX XXXX, Case Manager. 

PNC Bank has refused to assist me with the Hardship/Forbearance for the two Home Equity loans ; XXXX, XXXX to date. I have received several packages from PNC Bank citing filling out applications for Hardship/Forbearance for the two Home Equity loans : XXXX, XXXX on several occasions. I sent in Hardship/Forbearance application packages on XX/XX/XXXX and XX/XX/XXXX to PNC Bank Loan Dept . My two contacts are XXXX XXXX and XXXX XXXX @ XXXX ext. XXXX. The PNC Bank address is : PNC Bank, XXXX XXXX XXXX, XXXX, OH XXXX. 

I am currently unemployed and can not send payment for the two PNC Bank Home Equity loans : XXXX, XXXX. Can you please provide assistance with the two PNC Bank Home Equity loans : XXXX, XXXX? 

See latest correspondence with PNC Bank on XX/XX/XXXX : Dear XXXX : We are in receipt of your email and attachments. At this time, we are unable to provide you with detailed information via email. If you need additional assistance, please call XXXX and follow the prompts. 

XXXX XXXX on behalf of XXXX XXXX. 
PNC Bank Phone : ( XXXX ) XXXX Fax : XXXX Email : XXXX PNC Mortgage XXXX XXXX XXXX XXXX, OH XXXX
Product: Debt collection

A XXXX called from XXXX and threatened to serve me legal papers for court to my home or work. he stated to call ADR at XXXX. I have never heard or received any letter from ADR concerning a debt I owe.
Product: Credit reporting or other personal consumer reports

there is information on my transUnion and XXXX credit report that has been already removed from my XXXX report. all consumer reporting agencies conduct the same investigation process so these items need to be removed. the fair credit reporting act states that I have a right tom privacy and the only way a consumer report can be furnished is with the consumers written instruction. I never gave any consumer agency any written instructions to furnish my information. also transaction and experience between a consumer and a person making the report are not supposed to be on my report as well. all of this is federal law the consumer report agency have violated several federally portected rights and I need XXXX XXXX removed from all consumer reports immediately as it is hurting my ability to provide for myself and my family and the consumer reporting agencies are to exercise their grave responsibilitys
Product: Credit card or prepaid card

Citi XXXX department is trying to close a case without even allowing me to upload supporting evidence. 

I've disputed an XXXX transaction where the door was broken and not lockable. I have taken video proof that the door is not working. The amount is XXXX posted on XX/XX/2022. The transaction is disputed on XX/XX/2022. 

For the next couple weeks, I have made XXXX calls to the Citi XXXX department as well as XXXX emails to give them as much details as possible and offering the video proof. However, they have never provide me a way to upload those videos. I was told that I will be contacted by the investigator, but i was never contacted. Not even a single reply from the XXXX emails I sent. 

Now, they are closing the case saying I did not provide any documentations, despite I offer those video evidence in all XXXX calls and XXXX emails.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the consumer financial protection act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Checking or savings account

ive been locked out of my account since XX/XX/XXXX and cant access any of my money since that day ive received multiple verification codes to my phone and read them back to the operator on the phone each time they stated my account would be unlocked but it still hasnt now when i call they say they sent me a XXXX digit reference code i must read them that was sent out in the XXXX of XXXX and i still havent gotten the letter and cant access my money or account until i get the letter
Product: Vehicle loan or lease

Struggling to pay the monthly payment as well as reposition. VW credit company. 
XXXX XXXX XX/XX/2023 Payment was {$790.00}. I shouldve never taken the vehicle or the loan, but I was in a XXXX XXXX and thought I needed it. Struggled to pay the monthly payment until XXXX. XXXX - i returned the car to the dealership, but its still a reposition on paperwork. Theyre saying I owe XXXX when really I should only owe the remaining balance of my loan while I had the car.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiry was placed on my XXXX credit file. I did not authorize this inquiry and when I requested validation of authorization, my request went unanswered. 

FORTIVA/XXXX  Inquired on XX/XX/XXXX Business Type : All Banks XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX The following inquiries was placed on my XXXX credit file. I did not authorize this inquiry and when I requested validation of authorization, my request went unanswered. 

XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX  XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX Business Type : Credit card and travel / entertainment companies XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX The following inquiries was placed on my XXXX credit file. I did not authorize this inquiry and when I requested validation of authorization, my request went unanswered. 
XXXX XXXX Inquired on XX/XX/XXXX Business Type : Personal Loan Companies XXXX XXXX XXXX XXXX, XXXX By mail only This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX Business Type : Personal Loan Companies XXXX XXXX XXXX XXXX, XXXX By mail only This inquiry is scheduled to continue on record until XX/XX/XXXXXXXX XXXX
Product: Credit card or prepaid card

I have a American Express Bluebird card and have had multiple accounts with them over the years. Recently I ordered a replacement card that was sent out to my new address. I signed onto activate my new card and update all of my new information with no problem. I have has an issue logging onto the app and apparently my login password was not recognized. I am not sure why this is occurring. i submitted numerous information to verify and authenticate my request for an opportunity to reset my password and my account has been locked for my protection for days now. I am prompted to simply call the customer service number XXXX which states they are available 24/7. This is not accurate and although we are experiencing a challenging time right now in this country and lengthy wait times are to be expected, for three days I have been redirected to dead end prerecorded messages, disconnected, and placed on hold for 90 minutes at a time more than once. I am writing to complain because the system put in place is far from advertised accurately. There are not alternative numbers for various customer needs and the lack of effective problem resolution needs attention. Drastic improvements need to be considered to allow support for cardholders requiring access to their invested finances or issues with maintaining their account stats both via online and by phone. Not being able to enter into my information has suspended use of my card and the verification process proves to be ineffective though proper information is entered into the recovery system. This reset/recovery process is not user friendly given the proof that it instructs one to call a number to have the account unlocked, yet provides no options or selections for sed user to do so. The customer is forced into reporting a card lost/damaged/stolen as an only option which delays access even further by having to replace a card that is actually none of the above and wait out the time it takes for processing, resubmission, reissuance, and delivery. This is just a viscous cycle with no positive result for the customer. Thank you for your time and I hope a positive solution can be found here as I was once a satisfied cardholder and now am not.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against XXXX, TRANSUNION, & XXXX, regarding a violation of my rights and the inaccurate information being reported on my consumer file. This inaccurate reporting has not only caused financial distress but has also had a severe impact on my mental wellbeing, resulting in XXXX for both myself and my family. 
I BELIVE XXXX, TRANSUNION, AND XXXX, has violated the Fair Credit Reporting Act ( FCRA ), specifically Section 611, which mandates that consumer reporting agencies maintain accurate and up-to-date information on consumer files. In reviewing my credit report, I have identified the following inaccuracies : These inaccuracies have had a significant and detrimental impact on my financial profile and my ability to secure credit, loan approvals, and reasonable interest rates. Despite repeated attempts to rectify these errors, I have not received a satisfactory resolution from XXXX, TRANSUNION, AND XXXX I would like to bring to your attention the profound impact that this situation has had on my mental health and the overall well-being of my household. The constant stress, anxiety, and uncertainty caused by these inaccuracies have plunged my family into XXXX, affecting our quality of life and ability to function optimally. 

I kindly request the Consumer Financial Protection Bureau to immediately investigate this matter and take appropriate action against THEM. I believe that the inaccurate reporting and their failure to rectify the situation has not only violated my rights under the FCRA but has also caused significant harm to my household. 

Please find enclosed copies of supporting documents, including credit reports, correspondence with, and evidence of the impact on my family 's mental health. I trust that the CFPB will act promptly and diligently to rectify this situation Thank you for your attention to this matter. I look forward to a swift resolution and justice being served.
Product: Credit reporting or other personal consumer reports

I am asking for your assistance in reviewing accounts from companies that are inaccurately reporting late payments. After being laid off, I requested forgiveness for these payments, which they agreed to, but they are still marked as late. Despite my attempts to follow up, I have not received any updates, and this is my last option.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXX, DEPT OF EDUCATION/XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 Section 602 A states that I have a right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states that a Consumer Reporting Agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXXXXXX charge-off Balance : {$3800.00} XXXX XXXXXXXX charge-off Balance : {$160.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX