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 rights to privacy and confidentialityunder 15 USC 1681. 

XXXX ACCOUNT # XXXXXXXX XXXX XXXX ACCOUNT # XXXX, XXXX 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 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 bymore than seven years.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 ( a ) ( 4 ) : States I have the right to privacy.

15 U.S.C. 1681b 604 ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Student loan

I recently noticed that the company, Navient, has negatively impacted all my credit report for XXXX, XXXX, XXXX, XXXX XXXX XXXX and XXXX. I attempted to validate the account as I am unfamiliar with having this account with the company, however, the company has failed to properly validate the account. In a 60 day time frame from XXXX XXXX to XXXX XXXX, I have received at least 3 collection letters from 3 different companies regarding the account. However, only Navient is displaying on my credit report. I have submitted validation request to all 3 collection companies only to not have received a response from 2 of them and it has been more than 45 days. The 3rd collection company is pending validation. Navient, who is negatively impacting my credit, only responded with a one page document that does n't properly validate the account, and refuse to send me additional information about the account. I submitted a 2nd request to Navient for proper validation, but Navient still has not responded. I have included all letters I submitted and received from Navient, and the other collection agencies regarding the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made numerous complaints about PenFed Bank about an unauthorized inquiry on my report from XX/XX/2018. Each time they claimed different bs. Finally they made a comment in which i have the letter stating they will remove the inquiry from my credit report which they just said that to please the CFPBlile they were really concerned about doing what they said they were going to do. I have attacthed a screenshot showing that they have failed to remove it from my credit report and that it was recently updated with XXXX  this month. I'm only writing just to let CFPB this company lied about what they said they were going to do. As of Monday XX/XX/2018 i will take the letter that they stated they were removing it from my credit report to a lawyer and take this matter to court. If they deleted like they said they were going to do they wouldn't have updated the credit bureau as of this month. They would have updated it as deleted but they chose not too so i have no other choice now on this matter
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 violate 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: Debt collection

I received a call from a XXXX XXXX from UCB United Collection Bureau. She had first contacted my parents and had a rude remark about ( Well you are XXXX 's mother you can get a hold of her can you not ). Then said she would remove their number. My parents are not associated with this account, and should not have been contacted in the first place, let alone rudely. I then called to see why she called. She informed me that they had acquired the debt from XXXX, and had not received a payment in six months. We never received any notification of this debt being transferred, and are enrolled in a debt settlement program with XXXX XXXX XXXX who would be managing this debt. She interrupted and claimed that " they don't talk to settlement companies '' and that they would sue us, garnish our wages, and cause trouble to our credit. Again, I informed her that the debt was being handled by a settlement program, and offered their contact information. She yelled that they would not contact a settlement program. She was very rude to me and harassed me and kept demanding we pay them ( by XX/XX/XXXX {$66.00} ) or suffer the consequences. I was very upset and couldn't believe i was talked to like this. These calls have been incessant, disruptive and occur at all hours.
Product: Credit reporting or other personal consumer reports

I declare that the information listed below is a result of identity theft and is fraudulent. I have never authorized, or opened the accounts listed. This information is frivolous. I request an investigation into fraudulent activities related with my SSN and personal information. Pursuant to the provisions of the Fair Credit Reporting Act ( Public Law 91-506, Title VI, Section 611 ) ; Formal Request for Information : I am formally requesting the names and business addresses of each individual or entity you communicated with for verification purposes in relation to the fraudulent transactions identified in my credit report. This request aligns with my right to follow up on the information provided and to assist in this identity theft investigation. Attached is a copy of my government-issued identification and a copy of the identity theft report. I am requesting these fraudulent items removed immediately from my credit files. 
Fraudulent Account : XXXX XXXX XXXX XXXX Account # XXXX Fraudulent Account : XXXX XXXX XXXX : Account # XXXX  Fraudulent Account : XXXX XXXX XXXX : Account # XXXX  Fraudulent Account : XXXX XXXX : Account # XXXX Fraudulent Account : XXXX XXXXXXXX : Account # XXXX It is unacceptable, and a violation of federal consumer protection laws, that I continue to face harassment and fictitious debts due to the unauthorized account and unauthorized inquiries. Your agency failure to delete these fraudulent entries will be direct violation of my rights under FCRA Section 605B ( 15 USC 1681c-2 ) ( a ). The FCRA requires immediate removal of fraudulent information from credit reports following a valid identity theft report, which I have provided. Such inaction is further aggravating the XXXX  caused by this identity theft. The fraudulent information has impacted my credit report, causing considerable XXXX XXXX. I request assistance in investigating this matter and taking the necessary steps to resolve it promptly. Please inform me of any actions required on my part in response to this dispute. I am aware of my rights under federal laws relating to credit reporting and identity theft. Failure to act in accordance with legal obligations will force me to get an attorney.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate reporting of my credit accounts by XXXX. Despite sending payoff letters to XXXX for both XXXX, XXXX, and Solar Mosaic, my credit report continues to show balances for these accounts. Both accounts have been paid in full for over two months now. 

XXXX representatives have informed me that XXXX, XXXX, and Solar Mosaic have not closed the accounts on their end. This inaccurate reporting is severely impacting my ability to establish more credit. Reports continue to show high balances, leading to denials despite paying off these amounts. 

Additionally, I have received the most recent dispute letter from XXXX, indicating that the creditor agreed that these balances were accurate and that I did not pay off the accounts. This information is incorrect, as I have indeed settled both accounts in full. 

I demand that XXXX, XXXX, and Solar Mosaic be promptly contacted to rectify this error. Failure to do so will result in my pursuit of legal action, including seeking the assistance of a credit attorney and filing a lawsuit. These inaccuracies are preventing me from obtaining additional credit and are hindering my financial goals. 

I have attached the payoff amounts from all companies below. In addition, XXXX and XXXX are reporting this account as paid in full and closed except for XXXX. 

Attached are the payoff letters from all companies as evidence of the accounts being settled. I expect immediate action to ensure that these accounts are reported as closed on my credit report. 

Your urgent attention to this matter is greatly appreciated.
Product: Debt collection

The agency continues to call me 10 times a day. They have sent documentation of the medical procedure that i recieved without proper HIPAA release signature nor has the company provides the requested sign copy of proof as set by the FDCPA, FCRA acts. The agency and hospital clearly violated my right to privacy in accordance to OCR. Under the FDCPA I have the right to request validation which they submitted a copy of my procedure and medical record with out HIPAA release signature signed by me to give them the right to have my medical information.
Product: Credit reporting or other personal consumer reports

On XX/XX/25, I notified Equifax that there was inquiry from XXXX XXXX XXXX XXXX that I did not authorize. They didnt even bother to investigate it. It took less than 24 hours to tell me that the the inquiries are factual. How is it factual if I didnt authorize those inquiries. 

Once again, the credit bureaus are doing sham investigations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Below are fraudulent accounts and inquiries reported to my Transunion credit report. Accounts : XXXX XXXX, XXXX XXXX XXXX XXXX  negative balance {$5000.00}. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

There is a negative account with XXXX XXXX that is affecting my credit. It looks like someone opened an account using my SSN, which I had no knowledge of it existing until I saw how badly it was affecting my credit score. This could be a potential issue of identity theft. The account was opened on XX/XX/2021, which could not be since I do not have an account with XXXX.
Product: Student loan

I have been getting billed {$29.00} every month for the past 4.5 years from a firm called XXXX XXXX XXXX XXXX XXXX They have mentioned that they were affiliated with XXXX XXXX. This has been extremely frustrating and due to this pandemic, this is definitely not helping financially. The message below is a short message intro. when I first joined : " Date Type Detail Action XX/XX/2015 Welcome Hi XXXX, Thank you for your enrollment in our service. We are pleased to have the opportunity to provide you with exceptional customer service and support. 

Please do not hesitate to contact us should you have any questions. Toll free customer support line - XXXX Sincerely, XXXX Customer Service ''
Product: Money transfer, virtual currency, or money service

I believe that it was a mistake to close my PayPal account. I am using my Paypal account for my online business ( I am a XXXX Patient. I XXXX XXXX as part of my online job and XXXX XXXX I also have traditional business in my town for XXXX XXXX XXXX XXXX XXXX XXXX. ) since 2017. 

Recently, last XX/XX/XXXX, I bought XXXX to grow my money and I had received the amount due to me and was sent to me from different person internationally who offered the XXXX exchange. The reason I had my transactions to received several from different person because of the capital and interest on XXXX purchase. 

My paypal account : XXXX has stucked funds in it that I have to withdraw it asap for my medicine purchases. 

And I am hoping that I will get back my account, buy my meds in XXXX, and able to withdraw my funds. 

Thank you and God bless.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, noticed several discrepancies on my credit report that I believe to be inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I identified personal information that was incorrect, as well as accounts that were reporting inaccurate payment histories. 

In particular, I discovered that certain accounts were incorrectly marked as " late, '' even though my payments had been made on time and as agreed. These inaccuracies include accounts from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, and several others. The accounts in question are inaccurately reporting my payment history, and I have requested that they be updated to reflect " paid as agreed '' or " never late. '' Furthermore, I identified several accounts listed as being associated with creditors and collection agencies, including XXXXXXXX XXXX  XXXX XXXX, XXXX, and XXXX, among others. I have requested that these accounts be deleted immediately, as they do not accurately reflect my credit history or I believe they may have been reported in violation of the law.

I also mentioned that I had previously attempted to resolve these issues with the credit reporting agencies and the credit grantors involved, but I was unsuccessful. I have now formally requested the removal of the inaccurate entries from my credit report.

If these issues are not resolved within 30 days, as required under FCRA Section 611 ( a ) ( 1 ) ( A ), I intend to pursue legal action in federal court, naming the credit reporting agency, the creditors, collection agencies, and any other involved parties. I also stated that I do not consent to the use of automated verification methods such as e-Oscar, as I believe they are not sufficient to ensure accuracy. 
Finally, I made it clear that if the situation is not addressed within the 30-day timeframe, I would consider pursuing a small claims lawsuit for up to {$1000.00} per violation for the following potential claims : Defamation, Negligent enablement of identity fraud, Violations of the FCRA.

This is in accordance with the provisions outlined in the U.S. Code, specifically the Fair Credit Reporting Act ( FCRA ), which outlines the procedures for disputing inaccurate information on credit reports and the civil remedies available for violations.
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 rights to privacy and confidentiality under title 15 U.S.C. 1681 : XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX U.S. DEPARTMENT OF EDUCATION : # XXXXXXXX XXXX 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 ALL VIOLATED MY FEDERALLY PROTECTED CONSUMER 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 ) ( 6 ) : Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

( 6 ) The name, address, and telephone number of any medical information furnisher that has notified the agency of its status, unless ( A ) such name, address, and telephone number are restricted or reported using codes that do not identify, or provide information sufficient to infer, the specific provider or the nature of such services, products, or devices to a person other than the consumer; or ( B ) the report is being provided to an insurance company for a purpose relating to engaging in the business of insurance other than property and casualty insurance.

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.A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate reporting has been detected on my credit report. My credit report states that I am past due on a loan that has been paid for in full. GLS send a letter to me on XX/XX/19 that states my loan is paid for in full and that I owe a balance of {$0.00}. 

Supporting documentation is enclosed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XXXX/XXXX/XXXX at XXXX am I attempted to check my credit report through TransUnion XXXX this complaint has two parts. 

1. I attempted to get my free credit report, and on their main page ther is a button to get you credit report that tried to charge me to get my first 1 of 3 credit reports I am entitled to. 

2. When I found the free credit report link, the site looked sketchy but it had an https address. Any way, I tried to get my report but received a message saying that my identity count not be verified. Then suggested i be redirected to ht page where I put in my information. also there was not where else I could go or click. So i try to re input my information, though it was correct. But it takes me to a screen that say " You have now used your XXXX free credit report ''. They were not able to validate my identity, but still took one of my reports. They did not show me anything about my credit information. I tried to find a number to call to address the problem on the sight, but all that was available in the contact section was an address in XXXX, not even an email.
Product: Credit reporting or other personal consumer reports

In according with the fair credit Reporting act XXXX Account # XXXX, has violated rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also state a consumer reporting agency can not furnish a account without m written instrustions.

15 USC 1666B : A Credit may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose
Product: Credit reporting or other personal consumer reports

I am a victim of FRAUDULENTLY REPORTING OF ERRONEOUS INFORMATION. Experian and XXXX are still reporting inaccurate information from XXXX XXXX XXXX XXXX on my credit report. Company is in direct violation of 15 USC 1692e False or misleading representations. I have EVIDENCE from the CFPB website that XXXX has already removed the account from my credit report for the violation of 15 USC 1692e. CFPBCOMPLIANT # XXXX. Pursuant to the Fair Debt Collection Practices Act. 15 USC, Sec. 1601 et seq, this constitutes timely written notice that the law requires the return of the attached erroneous purported debt which is unsigned and unattested, and which I herein discharge and cancel in its entirety, without dishonor, on the grounds of breach, false representation and fraud. These claims are bonded and under the mandates of Article VII of the Bill of Rights.
Product: Debt collection

Re : Complaint Against Experian & XXXX XXXX Dear CFPB, I am writing to dispute the following information in my file. The items I dispute also are attachment copies of the report I received from XXXX XXXX. 

Experian is reporting inaccurate and incomplete payment history for last several years that I demand to be deleted from my credit report because the item furnished is false and unverified. I am requesting that the item be deleted. 

Enclosed are copies of documents supporting my position. Please thoroughly and accurately reinvestigate this matter and delete the disputed item as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  XXXX XXXXXXXX XXXX Account number ( XXXX ), XXXX  account number XXXX XXXX ), XXXX account number ( XXXX ), XXXX XXXX XXXX  account number ( XXXX ), XXXX XXXX XXXX account number ( XXXX XXXX XXXX XXXX account number ( XXXX ) has violated my rights. 
15 U.S.C. 1681 section 602A 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
Product: Checking or savings account

Hi my husband and I called PNC Banks direct banking center on XX/XX/XXXX to order checks and spoke with XXXX. She said there would be no charge for my checks and she would change my account so there would be no charges for checks on any of my accounts and there would be no fees. 

On XX/XX/XXXX I received 2 notices from PNC Bank saying my account had been converted and there was a fee schedule attached. 

On XX/XX/XXXX My husband and I called PNC Bank and spoke to XXXX the supervisor for an hour and half. We were told we were being charged for checks it does not matter how much money you have. She refused to put my accounts back to what they were prior and insisted if I did not keep certain balances in each account I would be charged. I told her there were months that I did not keep that balance level and was not charged. She did not believe me and I asked her to look at old statement and she refused. I had to get my statements form the basement to prove to her I had Performance Select Accounts. She refused to provide free checks on all my accounts. 

On XX/XX/XXXX I was so frustrated I said I was going to use XXXX to get help and then she refused to help me at all as retailation. 

On XX/XX/XXXX I was looking at the fee schedule and saw that I qualify for Performance Select Accounts which requires {$5000.00} of deposit in checking ( I have {$49000.00} ) or {$25000.00} of checking and brokerage investment ( I have {$150000.00} ) These balance allows for 8 free  accounts and free checks on all my accounts. 

XX/XX/XXXX I spoke to XXXX at the executive escalation and she confirmed that I had enough money to receive free services. XXXX would not explain why I was lied to and kept on the phone. She said she had to listen to the call. She said she would listen to the call and give a me a call back today and she did not. She also referred to the fact that I complained once before a customer service representative tried to charge me for an new bank card which should be free too. 

I think customers should be give fair and honest information and not retaliated and discriminated against if they complain that are not getting the services they are entitled to. I am not sure but XXXX was a manager and should have been able to review my accounts and offer the correct product and honor the free services. She did the contrary and refused to provide the free checks I was entitled to. 

It seemed to deliberate and retaliatory.
Product: Checking or savings account

My paycheck was deposited on XX/XX/year> and I still don't have access to it with the problem Capital One is having with a vendor.