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

Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington DC, XXXX PNC Bank XXXX XXXX XXXX XXXX, PA XXXX XXXX Dear XXXX XXXX  & PNC Bank , Additionally FCRA as a federally protected consumer. Under modern privacy laws, I as a consumer have a legal right to opt out of any activities involving the collection, use, and disclosure of my personal information. In other words, I as a consumer can simply say " NO '' to all data processing activities, from marketing emails to website cookies to the sale of data. However all businesses non affiliates which are investors by law must honor these requests or risk facing significant penalties from the Federal Trade Commission or from the Federal Government. I am now Opting Out on all authorization that includes mailing and solicitation. I the consumer may have given you written Unwritten verbal and nonverbal per 15 USC 6802.

Under the Privacy Act of 1974 I do not have to provide you with my social security number or my personal information, I am federal protected by the United States Government Under Article 7 of the GDPR The consumers or data subjects who have previously given their lawful consent to a specific data processing activity can withdraw their consent whenever they wish. I can withdraw from any data offers at anytime.

I am also a XXXX resident. In XXXX XXXX XXXX residents have also rights to Opt Out on all things including non affiliates mailing solicitations. 
I should not receive any other piece of mail from any non affiliates or third parties. 
Thank you for your time and cooperation. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent this letter below to XXXX, Transunion, and XXXX and they each failed to send me the results of the investigation within a timely manner. I did however receive an update from CFPB but not from the bureaus themselves. 

Subject : Request for Immediate Removal of Late Payments Dear Credit Bureau Representatives, I am writing to formally request the removal of any and all late payment entries on my credit report due to violations of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Bureau ( CFPB ) guidelines.

Under the FCRA, specifically 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), it is required that furnishers of information to credit reporting agencies report accurate information. Additionally, the CFPBs regulations state that inaccurate reporting, including late payments that are not justified, is illegal. 
I have reason to believe that the late payments reported on my credit profile do not accurately reflect my payment history. As such, I am invoking my rights under the FCRA to dispute this inaccurate information. I request that you investigate these entries and, upon verification of their inaccuracy, remove them from my credit report immediately. 
Please respond to this request at your earliest convenience. I appreciate your attention to this matter and look forward to a prompt resolution. 
Sincerely, XXXX XXXX Enclosed : 1 ) Identification 2 ) Social Security Number
Product: Debt collection

To Whom it XXXX concern I check my credit and I have collection account from common wealth and this not my account I have private insurance through my job and I have not been a patient XXXX XXXX
Product: Credit card

I keep getting spam emails from this sender. XXXX It is for Aspire Credit Cards
Product: Credit card or prepaid card

I made a purchase back on XXXX XX/XX/2021 XXXX purchase several furniture items from XXXX XXXX XXXX including a sofa love seat, Coffe table, lamp, and a swing chair XXXX and lamp was XXXX. I return the Coffe table and I receive a credit from XXXX XXXX XXXX, I refuse delivery of the sofa and love seat as they were damage The Synchrony credit card in total {$2600.00} and XXXX XXXX XXXX refuse to credit me back a total of cash paid XXXX. 
I have gone to the furniture initially to discuss a refund he was so upset for asking my money he refuse and told me he was broke the store is not making money he just got back from vacation/ his county and his father past away therefore he will not refund me any money. 
I contacted the credit card company I was told 3 times they found favor in XXXX XXXX XXXXXXXX XXXX  because the saga and love seat were special order but what I got were floor models
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Between the months of XXXX, XXXX, and XXXX of 2017 an unverified account with XXXX XXXX for {$2600.00} was investigated and deleted from credit reports. The account has been reinserted on my credit report under XXXX XXXX XXXX for {$2600.00}. Once XXXX XXXX ( whom I have never had contact with or have a contract with ) received notice of my disputing this account with them, they sent me a letter concerning this previously deleted unverified account. Furthermore, I was not given the opportunity to contest this information before it being re-reported because I did not receive my five business day notice that this information was being re-reported on my credit report.
Product: Mortgage

Our lender overcharged escrow through loan modifications XXXX and XXXX plus legal fees and principal reduction on XXXX modification which is resulting in high interest for wrongful charges in our balloon payment. They violated the hamp principal forgiveness program, they did not service us from XX/XX/XXXX until XX/XX/XXXX ( 14 months ) which damaged our credit. They could not provide XXXX form for XXXX. They charged us for processing phone payments, charged excessive fees, Return payments, to charge XXXX in legal fees for the return, they did not credit us surplus for escrow in XXXX they violated false claim act with the hamp program
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX, I came to discover that my identity was stole and used to open several accounts under my name and SSN. That is when I checked my credit report and found that a XXXX 's XXXX account was opened using my name/SSN, on XX/XX/XXXX. I have since disputed this account to be take off several times with XXXX, Equifax XXXX XXXX. I even sent a letter ( XXXX ), along with the police report, identity theft report and my driver 's license as proof of my identity. The reponse I received via XXXX was that the account is mine therefore it will not be removed. This reporting is severely messing up my credit. The other accounts that my name/SSN were used to open, those companies responded right away ( XXXX XXXX XXXX XXXX XXXX XXXX and promptly removed those accounts from my report. XXXX 's refuses to take notice of the evidence I provided and remove these fraudulent charges off my report.
Product: Mortgage

I currently have a mortgage with XXXX mortgage company. It was established in 2006. My loan number is XXXX. The property address is XXXX XXXX XXXX XXXX, XXXX XXXX CT The mortgage company never filed with my town. My town hall reports my Mortgage was paid of in 2006. They do not report to the credit bureau. Consequently this is hurtful when applying for another mortgage. 
My rate is XXXX and I asked to refinance and they say they do not do that. I am stuck in a sun-prime mort and spinning on a wheel. 
I have applied for a new mortgage. I qualify. 
The problem is there is no report of me paying a mortgage since 2006 and my town hall says the home is paid in full. There is no record of XXXX holding the lien. 
XXXX refuses to give my potential new company a VOM. They said I am late. I have not had a payment that was last, past 30 days, in 7 years. 
What do I do? I can save $ 500.- {$600.00}. Per month with a lower rate offered by the new lender. XXXX is hold me XXXX. 
Thank you for your time, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit card

I have tried three times since XX/XX/2023 to get a pin number so as to be able to make ATM transactions on this new credit card account. XXXX XXXX XXXXXXXX XXXX has not sent me one as of todays date, XX/XX/2023. I Have called them three times ( Since XX/XX/2023 ), and requested a pin number to no avail. I Have a right to receive a " PIN NUMBER '' in order to make certain transactions from ATMs. IT is bad business to deprive a paying customer of a tool that is needed to use one of their products unless evidence suggest it is not in the companies best interest to do along with a letter of explanation which said customer has not received.
Product: Credit reporting or other personal consumer reports

I have been disputing a identity theft/fraudulent accounts on my credit. I have provided documentation that the account ( s ) was due to fraudulent activities. I filed a FTC report and gave my report number for proof. I was told once the FTC report was filed that the items would be deleted. Months later those items are still reflecting my credit and the bureaus are refusing to delete those items. In addition, I am XXXX ( SSD ), I have NO drivers license and XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I asked for several accounts to be looked at that contained errors. Equifax responded with no action taken on the accounts they have been doing this to me for years and it has a negative impact on my credit and my life. Equifax needs to remove all negative items on my report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2021, I noticed EQUIFAX has posted many inaccurate information I did not consent to. They have committed fraud and several violations of the FCRA.. EQUIFAX has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me. Fact, the Fair Credit Reporting Act, 15 USC 1681, is intended to secure my right to privacy and protect my public reputation that is directly correlated to and linked with my Consumer credit report. Fact, EQUIFAX has damaged my reputation by furnishing fraudulent, negative information onto my credit profile, violating 15 USC 1681 and 15 USC 1692. Fact, by furnishing this fraudulent information EQUIFAX in violation of 15 USC 1692 and 15 USC 1681. Fact, I never gave EQUIFAX permission to furnish this information. Fact, I never gave consent for Portfolio recovery to obtain and store my private information and they have unlawfully obtained my information in violation of 15 USC 1692. Once again, EQUIFAX has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX filed a default on an administratively approved deferment, forgiveness and forebearance scheduled XX/XX/XXXX - XXXX XXXX The default is purposeful. It has caused my XXXX score to drop from XXXX in XXXX year. Today, My FICO score it's XXXX XXXX & Experian, and XXXX XXXX at XXXX. The scores snd recordings of default has drawn suspicions of these inaccuraciesare to ground student who contact XXXX and report professor is not her Account Executive the school assigned to students file. NDSL ( National Database for Student Loans ) credential the XXXX  student as documented as XXXX XXXX was earned. The same professor mismanaged my loans she said the Top graduate named XXXX, on XX/XX/XXXX XXXX her transcript. She received honors appertaining to her academic excellence and strong leadership should have graduated on XX/XX/XXXX and diploma delivered. The professor unauthorized to manage my student loans said she isn't giving me nothing and called lawyer stating I must cease and desist. It's a FERPA, Title 4, and Title 6. 

XXXX. 
I. XXXX, My career sought as a XXXX XXXX XXXX  and XXXX XXXX XXXX, is negatively impact from scam artists in my school who embezzled student loans, and invaded priacy of wxecutive acvount XXXX XXXX the assign loan officer of students financial aid. The student school records was an open portal to anyone which caused {$14000.00} an unrecognized distribution or an unknown scholarship the svhool did not want to pay. The student did not apply for loans so small. Its hate of me at the school because I called police on a professor who was a financial aid manager and she refused to reimburse the student missing money {$16000.00} and unauthorized money, {$14000.00}. The professor cashed on date XX/XX/XXXX {$14000.00} and paid outside of students scheduled loan distribution this money to another bank account the student didn't setup with school. Additionally, a refund check approved for graduation amount {$16000.00} description direct grad plus loan was compromised and sent back to lender causing student to be placed in default with XXXX XXXX and creditors. The professor apparently paid someone else or placed money in a bank account to use when conventient. 

The students Bank was at the time XXXX who sent student letters from fraud investigators that they had not received the loan deposit on distribution of XXXX on scheduled date XX/XX/XXXX Amount {$16000.00}, nor an unauthorized loan student did not request possibly a scholarship the professor who disliked her did not want to pay dated XX/XX/XXXX.
Product: Debt collection

I have been attempting to arrange a repayment agreement based on income, I sent all required documentation in a pre-paid XXXX XXXX  envelope, have receipt dated XX/XX/XXXX XXXX received phone call 2 days later stating " all requested documents not in envelope '' but as conversation went on suddenly they found several more documents being uploaded. spoke with supervisor who apologized and stated " we have hired a lot of new people and they jumped the XXXX calling you before everything had been uploaded ''. also told supervisor at that time that harassing calls before XXXX XXXX Central time were going to cost me my job, 3rd time I told them not to call before XXXX XXXX. received another call on Thursday XX/XX/XXXX documents ( copies of paystubs never found ). was sent an email with upload link and uploaded requested documents at XXXX. XX/XX/XXXX received phone call at XXXX XXXX   XX/XX/XXXX stating they sent letter to begin garnishment because requested documents were not sent. AGAIN uploaded while on phone with agent and response was " we seem to have a glitch in the system ''. This company has NOT got the resources or trained staff to assist in loan rehabilitation and are ATTEMPTING TO DELAY MY DOCUMENTATION to enable themselves to garnish rather than work with me on payment agreement. 
Credit Adjustments, INC. 
XXXX XXXX XXXX XXXXXXXX XXXX NH XXXX I have done everything as requested BUT they are failing on their end. I have recorded the last conversation with representative stating " glitch '' and have screen shot showing upload completed but this company stating it does not have the uploaded documents ( paystubs ). BLATANT act of incompetence or malicious maneuver to pursue garnishment.
Product: Checking or savings account

On XXXX XXXX, I had deposited {$220.00} into an ATM machine in XXXX, MA. There were XXXX bills - XXXX {$100.00} and XXXX {$20.00} but the ATM reported only {$200.00} and I was missing {$20.00} so I went to the branch inside reporting this error. They fled a claim for me for the missing {$20.00} and XXXX days later that claim was denied which is just ridiculous and I lost my {$20.00}. I spoke to the branch manager XXXX XXXX at the XXXX location and she wasn't helpful at all and no one helped me get my {$20.00} back which is just ridiculous. I need my {$20.00} that the ATM ate up.
Product: Credit reporting or other personal consumer reports

There is an item on my credit report that is reported by XXXX XXXX XXXX that claims I owe them {$370.00}. I haver never been in debt no had products nor services from this company. When I called ( XX/XX/2023 ) to ask them to send me the verification of a contract with my signature ( Wet signature on original contract ) I was told they do not have that and they did not have to provide it to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reported on XX/XX/XXXX Reported on XX/XX/XXXX Reported on XX/XX/XXXX Reported on XX/XX/XXXX Reported on XX/XX/XXXX These are all chapter XXXX and chapter XXXX thats being reported fraudulently on my credit report and I have reached out to them on multiple occasions to delete they deleted the names put a zero for balance and never removed from credit file XXXX. XXXX reference numbers XXXX XXXX XXXX. XXXX XXXX XXXX Opened XX/XX/XXXX Also this is a fraudulent acct I have contracted them about also
Product: Credit reporting or other personal consumer reports

I have 8 hard inquiries on my credit report that are unauthorized that I did not authorize and need them to be removed immediately.
Product: Money transfer, virtual currency, or money service

In the last week, I have received 3 overdrafts from Paypal. They do not have permission to access my bank account as I have a credit card on file for charges. I went to the bank and find out they have been doing this since XX/XX/2018. I called them three days ago and asked about the overdrafts and they assured me it was not them. Over the weekend I received 2 more overdrafts. Went to the bank and in their presence called Paypal. They said I had signed 10 companies to have access to my bank account. I NEVER did. Now I have {$90.00} in overdraft fees and I insist they pay these fees as they never had  permission to enter my bank account. Not even including the fact that they lied to me about them being the culprit using my bank for the past 2 months.
Product: Mortgage

RUSH PLEASE I HAVE SALE  XXXX   XXXX ,  XXXX and i can not do anything. I have loan modification.   Hi, my name is  XXXX   XXXX . I have some very bad issues going on right now with my bank  ( Fay Servicing , LLC )  and about my previous banks. When I opened my loan from  XXXX   XXXX   XXXX  my monthly payment was {$1300.00}. I couldnt pay them anymore due to my divorce my husband left me and left me in the waters. I applied for  a Loan Modification  and they told me to make some trial period payments of {$1500.00}. I paid all three times for the three months, on time. After the payments were done they transferred me to   XXXX   XXXX   XXXX  . I had the same story with them, they asked for trial period payments and so I had no other choice I paid {$1900.00} for  three month s, on time.   XXXX   XXXX   XXXX   transferred me to Fay Servicing , LLC who is now my current servicer. I now have a foreclosure sale for  XXXX . I have sent them all documents but they still have not offered me anything. I have sent them documents again. I dont want them to ask for a trial period payment and then transfer me to another servicer and then go through the same thing the banks have been doing to me twice. I dont even know if those trial period payments I have paid when towards anything like my loan or did they just take it. I want to keep my home and pay a reasonable amount. I have a sale coming up on  XXXX .
Product: Credit reporting or other personal consumer reports

My SSN has been used as a personal gain. 
I have reported the criminal activity to the appropriate authorities. My file keeps showing over time FCRA violations : Late Payments : 15 USC 1681 a ( 2Xi ), 15 USC 1681 ; Permissible Purpose : 15 USC 1681b ; Reinsertion Deleted Items : 15 USC 1681i ( 5 ) ( b ) Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 ; Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) ; Verification : 15 USC 1681i ( 7 ) The accounts are : XXXX. XXXX  : # XXXX : Opened : XX/XX/XXXX : {$2000.00} XXXX. XXXX XXXX  : Opened : XX/XX/XXXX : {$160.00} XXXX. XXXX XXXX : Opened : XX/XX/XXXX : {$970.00} XXXX. XXXX XXXX XXXX : Opened : XX/XX/XXXX : {$250.00}
Product: Credit card or prepaid card

Denied credit card by chase base on in -accurate information in my credit file. Reference Number : XXXX, CHASE. 

MY INCOMES - XXXX SOURCES - FAR EXCEEDED MY EXPENSES - AS ALSO PASSIVE INCOME SUPPORTED MORTGAGE MONTHLY DEBTS. 

CHASE DENIED CREDIT CARD BASE ON IN-ACCURATE INFORMATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company RMP SRVC LLC ( Original Creditor : XXXX XXXX XXXX ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$870.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
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 15 USC 1681. 

Account name : XXXX XXXX, Account # XXXX. Account name : XXXX XXXX XXXX Account # XXXX. Account name # : XXXX  XXXX XXXX, XXXX, Account # : XXXX. Account name : XXXXXXXX XXXX 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 by more than seven years.

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

I was a victim of identity theft from someone who has stolen my accounts info as well as my personal info I reported to them they said that it wasnt valid. Bank accounts and credit cards.