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

I submitted a letter to the 3 Credit Bureaus last XX/XX/2023 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting 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 XXXXXXXX Account Number : XXXX Account Name : XXXX  XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX and list of Inquiries 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 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. 

XXXX ( Account : XXXX ), XXXX XXXX ( Account : XXXX ), XXXX  XXXX XXXX ( Account : XXXX ), XXXX ( Account : XXXX ), XXXX XXXX XXXX ( Account : XXXX ), XXXX ( Account : XXXX ), XXXX XXXX  ( Account : XXXX ), XXXX ( Account : XXXX ) has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). I request that they be immediately removed from my credit report as required by the Fair Credit Reporting Act. 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( 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. I request that they be immediately removed from my credit report as required by the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I checked my credit reports on XX/XX/year>, and noticed that these accounts are still reporting inaccurate information. I have provided documentation to fix these accounts but nothing is getting done. The accounts are XXXX XXXX XXXX XXXX XXXX XXXX  On my XXXX report I provided previously it showed no late payment for the closed XXXX account and you keep putting XXXX on my report when it's a 1099-C with legal paperwork from XXXX telling you to delete this account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX payments when I in fact had XXXX XXXX XXXX XXXX XXXX and legal paperwork under the cares act late payments are not allowed because of a XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following Account does not belong to me and is reporting inaccurately on my Transunion report : XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A request was submitted on XX/XX/XXXX to this company with a FTC report and police report to block this fraudulent information from reporting. These companies have failed to comply with the law. They are still reporting fraudulent information thats allowing me not to be approved for accounts that I actually need. My federal protected consumer rights have been violated over a course of months of me reaching out to these companies. They respond stating these accounts are verified when they have yet to send me any contracts with my signature on it. Please help me resolving this information.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate
Product: Credit reporting or other personal consumer reports

I was notified by XXXX that my information was compromised. I noticed that old addresses are being used as current, different name spellings, different birthdays and many unknown inquiries have been made. 

I should not have any inquiries except from XXXX XXXX XXXX XXXX. I have not applied for credit any where else. 

Please make sure XXXX XXXX XXXX has deleted the XXXX XXXX account.. deleted as agreed. 

XXXX XXXX account -XXXX XXXX  {$100.00} Delete as agreeed. 

I really dont feel like my credit report is a true reflection of my credit please make all the necessary corrections.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have duplicates from student loans they have listed 4 original loans listed as 12 loans Dept education XXXX is listed twice Dept education XXXX is listed twice Dept education XXXX is listed twice Dept education XXXX is listed five times but it is originally one loan AWA Collections is a medical bill, it is illegal and a violation of my hippa rights to post my medical information on my chart and it's illegal to post duplicates I only have 4 original loan documents I even have addresses that are duplicates XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX
Product: Credit reporting or other personal consumer reports

I mailed two letters on XX/XX/XXXX ; XXXX was sent to " JPMCB CARD SERVIES '' and another was sent to " JP Morgan Chase Credit Card Service ''. I informed them there was a hard inquiry on my credit report from them on XX/XX/XXXX, that I did not authorize. It appeared on my XXXX report as " JPMCB CARD SERVIES '' ; no typo on " SERVIES '', that is how it appeared on the XXXX report. I provided my name and contact information and also requested they provide proof that I authorized the inquiry. They sent me a duplicate letter in response to the two letters I sent. In these letters they requested I provide the date of the inquiry ( which I had already provided ), the reporting agency ( XXXXXXXX XXXX XXXXXXXX ), my complete social security number, and a copy of my credit report from all 3 bureaus. Asking for my " complete '' SSN and my credit report is extremely invasive and private information, which I ultimately did not provide.
Product: Debt collection

There is this company listed on my credit report that I do not owe. Please help
Product: Student loan

Found out recently through XXXX XXXX that my credit dropped over 100 points in the past 2 months because of non payments to a XXXX XXXX loan, which I have not received any correspondence with this company. This server is Navient and I have read this is standard practice from this organization.
Product: Credit reporting or other personal consumer reports

I've had zelle ever since I was XXXX and sometimes when using it, It was very scary
Product: Credit reporting or other personal consumer reports

This is the 3rd request! This is not a request to verify the account please see the LAW, YES THE ACTUAL LAW below : In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX or 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. 


Please see above LAW, this isn't a request to verify this is the law that clearly states that I have the right not to have companies report to my credit without a WRITTEN REQUEST FROM ME, which at no time have I ever given WRITTEN PERMISSION. 

Lasty XXXX and XXXX asked for my ID and address so please see the attached requested doc 's in the uploaded forms sections. My ID has everything asked for on it.
Product: Bank account or service

My name is XXXX XXXX, I am a XXXX+ year customer of PNC Bank ... My wife was very ill XXXX requiring a XXXX to save her life ... As a result she had to file bankruptcy which as her spouse, I had to be apart of the bankruptcy even though I had no bad debt reporting on my credit report prior to filing bankruptcy. On XXXX XXXX, XXXX our bankruptcy was discharged and on XXXX XXXX XXXX, I was able to secure a home loan at 4 % interest rate for {$170000.00} with also securing a New Car Loan for {$40000.00} at a 2.7 % Interest Rate ... On XXXX XXXX, XXXX, I paid my home loan and car loan off fully and secured another home loan interest rate 3.7 % and car loan at 2.7 % interest rate ... I applied for a PNC Credit card and was informed by a PNC letter that my credit was bad and I was late paying bills which was incorrect, I contacted the president of PNC with a follow-up later outlining their facts were incorrect, I was contacted by a supposed to be PNC Advocate after informing her of the situation, she stated after her investigation they could not approve me for a PNC Credit Card, even though I had paid of XXXX homes over {$200000.00} and XXXX cars over {$40000.00} unless than XXXX years, even with a recently approved XXXX XXXX and XXXX XXXX Card all limits over {$5000.00} ... She also stated that the bank reserves the right to deny and bank card or business from customers..I since found out that all PNC Banks have been denying XXXX veterans for credit cards even though they have their monthly direct deposit XXXX deposited into their PNC accounts ... As XXXX veterans we are good enough to have our money deposited into their banks, not good enough to secure credit cards??? How do I go about filing a discrimination claim against PNC Bank for potential illegal bank practices????
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax wont remove XXXX when I was approved by XXXX when I was approved a XXXX discharge over a year ago.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Bank Credit Cards Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX XXXX Important dates Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX Additional details Business type Jewelers Contact info Address XXXX XXXX XXXX XXXX, XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Jewelers Contact info Address XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX Important dates Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX Additional details Business type Bank Credit Cards Contact info XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type All Banks - non specific Contact info Address XXXX XXXX XXXX XXXX XXXX, XXXX All of these companies above stated that that checking my credit wouldnt affect my credit score which it has so it wasnt the truth now it has lowered my credit score as hard inquiries and I would like them to be removed off of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has obtained my credit report without my consent and for no legal reason. The credit reporting agent on the phone even agreed with me. This was a recorded call and can be verified once the company provides the recording. That he was unaware as to why his company will pull my credit because he was told they pulled my credit to obtain contact information. This is untrue because just a couple weeks ago I updated and verified my contact information with this company. Lastly they pulled my credit to obtain the same contact information that I gave them a couple weeks ago and did not even use this information. The company did not call me or contact me once they pulled credit. So why did they pull credit. What legal reason do you have to pull credit. Now I am terrified that you are pulling credit to obtain information that was given to you because you lost my information which now I am scared that my private information is out there for all to see.
Product: Credit card or prepaid card

Home Depot and Citi Retail fraudulently enrolled me in their Balance Protector Program without my knowledge or consent. My husband  and I are both retired and have been for the last 10+ years. However, Citi Retail ( who manages the Home Depot credit card ) claims that we signed up for the program in XX/XX/XXXX. This would not have made sense for us since the Program 's purpose is to guard against loss of income ( which does not apply to retirees ). We have no recollection of this nor did we ever agree to or sign any paperwork to consent to being enrolled in the Program. 

We discovered these Balance Protector Program fees ( averaging $ XXXX $ XXXXmonth ) in XX/XX/XXXX and called Citi Retail to cancel the program and request a refund of the program fees paid. Unbeknownst to us, we have paid a total of {$410.00} in program fees to date. We have contacted Citi Retail and the Balance Protector Program repeatedly to request a refund/credit for these fees ( calls made XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and yet no refund has been granted and we continue to get the misdirected to other divisions or 3rd parties. Please help us resolve this dispute and get these program fees credited to our card.
Product: Credit reporting, credit repair services, or other personal consumer reports

There have been unauthorized disclosures of my personal identifying information. Equifax, XXXX and XXXX are fraudulently furnishing the information listed below. 

The information which appears on my credit report does not relate to any transaction ( s ) that I have made. 

This information violates my consumer rights and the FCRA, FDCPA, privacy rule 313, and the GLB Act. 

I did not authorize, or consent to this information. 

This information was not furnished with my written consent. These companies are coercing me into paying an alleged debt that they failed to provide validation for. 

This is a violation of 15 USC 1692d ( 4 ) and I believe they are blatantly committing racketeering. I have provided an identity theft report listing the accounts that should be blocked and removed. I have also provided opt-out notices from the model disclosures that I found on the CFPB website. If the attached opt-out notices provided by the CFPB is not sufficient, please provide me with a reasonable way to opt out of the disclosure of my nonpublic personal information. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

FCRA Section 603 ( d ) ( 2 ) ( A ) ( iii ) opt-out. If the institution shares personal information pursuant to section 603 ( d ) ( 2 ) ( A ) ( iii ) of the FCRA, it must include in the mail-in opt-out form the following statement : Do not share information about my creditworthiness with your affiliates for their everyday business purposes. 

FCRA Section 624 opt-out. If the institution incorporates section 624 of the FCRA in accord with paragraph C.2 ( d ) ( 6 ) of these Instructions, it must include in the mail-in opt-out form the following statement : b Do not allow your affiliates to use my personal information to market to me. Nonaffiliate opt-out. If the financial institution shares personal information pursuant to 313.10 ( a ) of this part, it must include in the mail-in opt-out form the following statement : b Do not share my personal information with nonaffiliates to market their products and services to me.
Product: Debt collection

I have viewed my credit report and there is a charge on a collection agency named Midland Credit Management. I have called them to ask about what is it that they are charging me, the person who answered used aggressive tactics and told me not o be able to provided me with any information unless I would confirm my personal information such as full name, address, social security number, employer. Otherwise, he can not give me any information. He definitely would not give me any information until I provide him with my information to identify me. So I had to give them my information if I wanted to continue talking to him in regards to this account. 
After providing him with the information he requested to update his files he told me that his company had filed a judgement against me for the balance of {$2900.00}. He said that I had to pay or else he would take legal action. 
On my behalf this is not my account, therefore, I do not owe them the amount of {$2900.00} I filed a dispute with the XXXX credit company, then Midlands Credit management sent me a letter to my home claiming to pay on full and that the original creditor is XXXX XXXX  account No. ending on XXXX. only four last digits. 
Based on the information provided on my credit report ( which has several Social Securities that are not mine ) I believe someone has used my name or this company has the wrong information and wants to make me responsible for it. 

I would like this company to remove this charge that is not mine from my credit and my name. It is very social and economic unfair that this company " Midland Credit Management '' has the power to make me responsible only because they have legal knowledge and economic resource to add their will on my report and on my persona.
Product: Vehicle loan or lease

On XXXX signed an auto loan contract with XXXX XXXX AND WELLS FARGO for 12.99 % then immediately changed to 16.88 %. 
On XXXX wells fargo tried to add {$1900.00} collateral insurance for XXXX to XXXX on the car even though we had insurance. 
Charging excessive late charges Excessive charges when payments made by telephone Clause in contract -- No cooling off period {$33000.00} for a new XXXX  XXXX XXXX Charge of {$840.00} for a XXXX XXXX XXXX XXXX XXXX for {$520.00} Repossessed on XXXX still owing {$22000.00} Wells Fargo sold car on XXXX for {$11000.00} and wanting {$14000.00} balance Had XXXX miles on car on XXXX During last year car was in my possession, Wells Fargo harrassed me constantly with multiple telephone calls within an hour, even though I had talked to someone previously and arranged for a near future payment date and continous stream of calls from numerous agents often within 2 hours of each other. 
This all happened when I was as little as 5 days past due late. 
I finally decided to let this car get repossessed voluntarily to end the mental anguish and harrasement that Wells Fargo was inflicting on me. 
Soon after on XXXX, we had to file bankruptsy. 
Wells Fargo was paid {$4400.00}.
Product: Debt collection

They called my job and told a co-worker what company they were calling from when she asked who was calling. That is no ones business and they should never contact my job. They keep calling me all day long.
Product: Mortgage

On XX/XX/XXXX my Reverse Mortgage servicing was moved from the PHH Mortgage Company office in XXXXXXXX XXXX to their office in XXXX XXXX XXXX FL. On XX/XX/XXXX I faxed a Line of Credit Draw Request Form to the Michigan office ( XXXX ) and to the XXXX XXXX XXXX office ( XXXX ). When I did not receive the funds I called the Michigan office and was referred too the Florida office. I called the Florida office three times, waiting on line, and pressing buttons until I reached a human being. Each time I was assured the fund would arrive, each time nothing happened. I finally called PHH Mortgage Customer Service ( XXXX ) and learned that my mortgage number ( XXXX ) had been changed with no one notifying me ( new # XXXX ). So far, despite the efforts of the very nice person at PHHCustomer Service, no money is forthcoming.
Product: Money transfer, virtual currency, or money service

PayPal took {$300.00} from my checking account. They will not tell me why. They will not return it. There is no record of the transaction on my PayPal account and I didnt receive any letter or email explaining why this happened. I have talked to my bank and they say it was all on PayPals end. I talked to PayPal extensively and they refuse to help or return the money.
Product: Mortgage

In 2014 my home in XXXX Maryland was foreclosed on by my lender ( PNC XXXX despite the fact that I received no less than XXXX bonafide offers from buyers that were willing to do a short sale. Additionally, during the foreclosure process I was not granted a mediation with PNC despite the fact that I properly and timely submitted a request for the same with the court. I believe that PNC acted in bad faith in the foreclosure process by rejecting XXXX short sale offers and by not taking into consideration that my legal rights were impaired as a result of not receiving a court mandated mediation. Instead the foreclosure sale proceeded and the home sold for less than what was originally offered by the prospective short sale purchasers. I sent XXXX letters to PNC recounting the situation and seeking to reach a mutually acceptable resolution. My first letter went unanswered and the second merely brushed me off in the traditional big corporate manner. The impact on my credit and tax consequences for the foreclosure have been very serious. I understand repayment of any deficiencies are my responsibility and I have made arrangements with creditors to true up my obligations. However, I am of the firm belief that PNC unduly enriched itself by proceeding with a foreclosure in lieu of other reasonable options which I presented them with in good faith. I am not asking for monetary remuneration however, I am seeking to have the foreclosure removed from my credit report. I have records to support all of my claims above and I am seeking the CFPB 's help here.