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

In Accordance with the Fair Credit Reporting Act XXXX XXXX along with the three Credit Bureaus Equifax, XXXX and XXXX have violated my rights. 15 U.S.C 1681 Section 602 A states that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX has never received my permission and is falsely reporting this Account on my credit report as open with late payments. 

I do not recall opening this account and have any recollection of this credit line or balance reporting. It's labeled as a charge off. It is still reporting as late. Every time a dispute is put in my credit score drops because they add late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 U.S Code 1666B, the Federal Reserve Board is required to establish regulations to protect consumers from unfair and deceptive practices regarding credit card accounts and overdraft services. These regulations aim to promote transparency and fairness in the credit card industry, ensuring that consumers are fully informed about the terms and conditions of their credit card accounts and are not subjected to unfair or deceptive practices by credit card issuers.

According to Section 15 U.S Code 1666B, I have been working on improving my credit and my understanding is that it takes five consecutive on-time payments for one late payment to be removed from my credit report. I have diligently made more than five consecutive payments on all my credit cards, demonstrating my commitment to paying as intended. Therefore, I am writing this letter to request a resolution that will either remove these late payments from my credit report or minimize their impact on my credit history. 

Additionally, it is worth noting that credit card protection was purchased for certain cards. This means that in the event of any hardships or unforeseen circumstances, the minimum balance required to be paid would be covered, and no late payments would affect the credit history during the time of these difficulties. However, during the XXXX pandemic, when many people faced financial challenges, none of the credit card companies extended their support or offered any assistance, despite the credit card protection that had been paid for. 

The accounts and creditors are listed below XXXX XXXX XXXX XXXX days late For the month of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX days late For the month of XX/XX/XXXXXXXX XXXX
Product: Money transfer, virtual currency, or money service

I stopped at this PNC branch to cash a check drawn on said bank by XXXX XXXX XXXX XXXX. My XXXX was refunding an over-payment I made of {$200.00}. Teller told me it would cost 2 % of check to cash even though it was drawn on PNC Bank! I asked to speak to branch manager who wasn't in at that time. ( Approx. XXXX ) Instead, teller supervisor XXXX XXXX came to speak with me. Though she was polite, I would have been better off talking to a computer, a desk, a chair, the wall, etc. I explained though I didn't have an account w/PNC it was a small check, written by a small business right down the road from this branch ( about a 1/2 mile away. ) I think I may have also mentioned I'm a stockholder, and I emphasized the check was drawn on PNC Bank and that XXXX XXXX XXXX XXXX, obviously was their customer, and they certainly wouldn't want me to have to pay 2 % for the money they accidentally overcharged me! Nothing! No empathy whatsoever. She simply kept chanting her 2 % check cashing fee mantra! Disgusted she wouldn't listen to what I had to say and continued to talk like a robot, I asked for the branch manager 's  business card. She handed me the card, and I started to walk away. As I looked at the card, I realized it was her card instead of the card I asked for, and I immediately headed back to the counter. I repeated my prior request, telling her I didn't want her card, I wanted the branch manager 's card. She then handed me his card. Upon getting back to my car, I sat in the car, and I called the branch manager 's phone number. Of course, one of the girls in the bank answered the phone. I asked to be connected with Mr. XXXX 's voicemail, and I was I would be connected, but I was immediately cut off. I immediately called back. This time I got another girl who successfully connected me with XXXX XXXX 's voicemail. After I left the message, I thought to myself, " How XXXX! '' There was hardly anyone in the bank when I was there, it was early, and everyone was listening. They clearly knew who I was, and I'm sure they probably erased my voicemail before XXXX ever got in the office! ( It's XXXX at present, and I haven't heard from, and I'm confident I won't. I'm sure they erased the voicemail I left him. ) I think it's an absolute sham ( and again, I'm a stockholder! ) the way this bank wants to charge me 2 % to get such a little amount of money for which I was overcharged by me dentist WHO IS A CUSTOMER OF PNC BANK!!! Poorest, most arrogant customer service I've ever encountered at any bank in my entire life! The teller supervisor 's lack of empathy and constant, robotic response is what really gets me! It's clear it wouldn't have mattered if the fee was ten cents, a nickel or a penny! She was gon na continue chanting the fee was their policy  until her lips fell off!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have provided the proper information to have the XXXX 's Account removed from my credit report. But for some reason, XXXX and Equifax are not removing the creditor from my credit report. I aid the account in full to a XXXX balance and the letter state that and shows the account should be removed.
Product: Debt collection

Southern Management Systems is a third party debt collector that has been illegally harassing me trying to collect debt not owed since XXXX in the amount of {$2000.00}. Using debt validation letters I finally got them to cease and remove all negative marks from my report on XX/XX/XXXX. I have not been able to get an apartment or home since XXXX because of this company. Ive had to live with friends and family the last 5 years because this company ruined my reputation by furnishing false information on my consumer report. A deletion is an admission of the fraud being committed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date opened on XXXX XXXX XXXX put a balance of {$68.00} on my credit report as a derogatory item and its incorrect they continue to replace them and readd them to my credit in the last month there were duplicated amounts for the same accounts with the same account numbers Ive had to complain about before.. I had insurance when I went to the dr for these medical bills not only did my insurance cover these bills I never received a direct bill of XXXX dollars to take care of the amount I knew nothing about it untill I seen it on credit report
Product: Student loan

Back in XXXX, I applied for a debt consolidation loan through my bank. This loan was suppose to pay off my private XXXX loan. My bank sent a letter with my private account info and XXXX written on the check but apparently sent to wrong servicer as it ended up at the federal service. The federal service cash and applied to my federal loan despite XXXX and my private account info written on check. I have made multiple calls and initially was told that it would be XXXX business days to refund and apply to the private. I waited that time and called again asking where the money went. After multiple calls each averaging XXXX hours to reach anyone, now they claim the initial refund was done incorrectly and now I have to wait additional XXXX business days. Ive reached out to Mohela multiple times but now they will not respond to emails. And now average wait times are up to XXXX hours to reach representatives. This is {$15000.00} dollars that XXXX paying interest on for the loan, paying a large payment for my private loan on top of that interest, and I still dont even know where this money has gone.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22, XX/XX/22 ( additional dates/ tracking numbers attached below ) l sent letters to the credit reporting agency and creditors reguarding inaccurate and unknown items in my consumer report. To this day over 30 days later I have not received a response yet. I feel like Im being ignored and taken advantage of my dispute Section 611 ( a ) states that failure to investigate items within 30 days gives reason to delete. Delete these items from my consumer report immediately. The credit reporting agency/creditors also violated 623 ( a ) ( 3 ) - 15 USC 1681b- 15 USC1681e ( b ) - 15 USC 1681a -2 ( A ) ( i ) - 623 ( a ) ( 1 ) ( B ) ( ii ) ( 5 ) They were also supposed to complete all investigations before the expiration period under section 611 ( a ) ( 1 )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had XXXX debt collections on my credit report for XXXX XXXX, XXXX on XXXX, XXXX and Transunion. I have disputed them multiple times with XXXX and Transunion explaining to them there is errors and I am unaware of the account. XXXX and Transunion refuse to update the information and remove them from my credit report when it has been found that the collection in fact is an error by XXXX. XXXX found the error and removed it from my credit report but XXXX and Transunion have not. It is reported that is mine but not giving me the information that proves this is my account. The statement I am being sent is not valid information on what was done to investigate it or show how it is mine account. XXXX and Transunion has failed to follow correct procedures with the law on providing me the correct information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mid land Funding is reporting inaccurate information to all three credit bureaus for credit one bank. The company is reporting the wrong balance, past due amount, last reported, date of last active, and date of last activity. This is a violation. I have disputed this information several time starting with XX/XX/2021. I have attached my first letter.
Product: Credit card

I have a Fidelity Reward credit card. Recently they change the servicer from XXXX XXXX XXXX to US Bank. But they did such a bad job in conversion. I did not receive the notice but receive my new card ( a Visa card, used to be XXXX XXXX ). Then I update my account number with the new number and send the XX/XX/XXXX payment ( {$2100.00} ) through my online checking account. After 2 weeks, this payment was not posted into my account. Then I called them and was told the conversion. They did not receive my payment since I used the new card number but sent to the old address. I did not know the conversion happened in the first place. How would I know the new payment address? I called the original servicer, XXXX XXXX XXXX, new servicer, US Bank, and my online bank. Nobody is responsible for this mess. I lost my {$2100.00}!!!
Product: Mortgage

I submitted a previous complaint. I just got off the phone with my tax office they stated they sent a refund for {$3300.00} on XX/XX/XXXX to XXXX my previous lender AKA Guaranteed Rate. I did NOT receive that. I just received a check about two months ago for approx {$500.00}? Please refer to my previous complaint. They held escrows when I closed and never paid my taxes. I closed XX/XX/XXXX taxes were not paid till the following fall only because I alerted them to a lien notice for non payment. They need to send a ledger showing how funds were allocated. They held money at closing and then collected escrows every month the numbers arent adding up. I was charged late fees penalties and interest from XXXX and XXXX XXXX. I feel they are with holding money. I have tried numerous times to contact them. No one will respond. It took me filing a complaint with you guys to get a refund almost two years later! This is deceptive business practice. They sent ck XXXX for {$3300.00} on XX/XX/XXXX and I havent received any of that. On top of whatever fees, interest ect they paid on my behalf because THEY did not pay the bill. I should not be responsible for any of that as they held the money in escrow and it was their mistake. Please see my cd they held a whole year in escrows- which was over calculated. My current taxes arent even this much with a 25 % property value increase since last year!!
Product: Mortgage

Our mortgage payment was raised due to an escrow shortage so we applied to have our escrow account canceled. We were informed that our escrow account could not be canceled due to a previous late payment on our record. Our mortgage company has been in charge of paying our home owners insurance and our taxes. When we reviewed the records we discovered that the late payment was due to our Mortgage company ( Truist ) not paying the full amount that was owed on one of our tax payments. Due our Mortgage company not paying the full amount, there was an extra amount that was not paid on time. We got proof of the short tax payment from our town and we feel that it is unfair for us to be penalized, and not allowed to cancel our escrow account, due to a mistake that was made by our mortgage company and something that was not our fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to get a visa rewards card and was told my credit score was not good. I want to know what creditor has brought my credit score down. I never had any trouble in the past getting a credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

and I was told by my consultant that my social security had been used already from someone else and that I needed to act. I pulled my credit report and there are many fraudulent accounts that do that belong I went to file my taxes to me. Please remove these fraudulent accounts from my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There is an inquiry on my Transunion Credit Report that does not belong to me. I demand the following fraudulent inquiry be deleted from my Transunion credit report immediately. Please remove the following - XXXX XXXX XXXX XXXX XXXX XXXX Thank you, XXXX
Product: Debt collection

Pro Collect is collecting an illegal debt on behalf of XXXX XXXX XXXX even after I indicated I submitted this to the Attorney General of Texas. I do not owe the {$1200.00} and I want this illegal debt off of my credit reports and all calls from ProCollect to cease and desist.
Product: Credit reporting or other personal consumer reports

This account was closed and paid off and is still unlawfully reporting late payments on my report. I do not consent to this reporting and this violates 15 U.S. Code 1692b.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report, I noticed a few accounts in collection that I did not open. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. NCA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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: Credit reporting

After a complaint with Experian that the CFPB was involved with ( Case number : XXXX ), I sent Experian a letter requesting that a personal statement be added to my file ( see attached ). Later they returned the results with my personal statement that they modified to benefit themselves ( see attachment XXXX ). They changed " incorrectly '' to " correctly '' which completely changes the tone of the statement. In my opinion they did this purposefully which I feel is fraudulent and is affecting my credit. Can you please wield the power of government, get them to change the statement and put a leash on these characters! 
Thank you!
Product: Vehicle loan or lease

In accordance with the fair credit reporting act XXXX Account has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
Product: Credit reporting or other personal consumer reports

This is XXXX of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was hit was a hard inquiry from XXXX from XX/XX/2018. I did not sign or authorize them to do this. Under the fair credit act I have up to 30 days which I disputed this already twice and no results. I am hoping here you guys can look into the situation and remove this false inquiry from my transunion, XXXX and any other credit reports this might be on. As the information is false. Thank you
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent a letter to equifax, XXXX XXXX XXXX at their address regarding potential violations of the Gramm-Leach-Bliley Act ( GLBA ) and Section 623 of the Fair Credit Reporting Act ( FCRA ). The letter requested validation of an alleged debt and proof of my explicit consent for the sharing or handling of my personal financial information. Despite my request, Equifax, XXXX and XXXX has failed to provide sufficient documentation demonstrating compliance with the GLBA 's Privacy Rule and Safeguards Rule, which require financial institutions to protect consumer information and handle it responsibly. Additionally, under Section 623 of the FCRA, furnishers of information are required to ensure the accuracy and integrity of data they report to credit bureaus. This lack of transparency and validation raises significant concerns about improper data sharing, inaccurate reporting, and potential violations of federal privacy and consumer protection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off on XX/XX/2022. I told the credit bureaus to investigate every piece of information on the accounts I have listed below.. Also I have attached the letter I sent out and here is the tracking # s XXXX, XXXX, XXXX, According to the FRCA The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account was updated/remains/verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still reporting 100 % accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 


List of inaccurate accounts XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. XXXX  XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. 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 ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) 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.
Product: Credit card or prepaid card

I received an email on XX/XX/2023 at XXXX XXXX  CST from an email under the domain of " XXXX ' stating how a new tradeline had been opened under my name. It was asking me to sign in the view the 'critical change ' on my credit report. I did not click on the link to sign in, but rather called my bank to confirm if this was true or not, to which it was not.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1681 Section 602A states I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions In accordance with the fair credit reporting act, XXXX XXXX acct # XXXX has violated my rights. 
In accordance with the fair credit reporting act, XXXX XXXX acct # XXXX has violated my rights. 
In accordance with the fair credit reporting act, XXXX XXXX acct # 1943 has violated my rights. 
In accordance with the fair credit reporting act, XXXX acct # XXXX has violated my rights. 
In accordance with the fair credit reporting act, XXXX XXXX acct # XXXX has violated my rights. 
In accordance with the fair credit reporting act, XXXX XXXX XXXX acct # XXXX has violated my rights. 
In accordance with the fair credit reporting act, XXXX XXXX XXXX acct # XXXX has violated my rights. 
In accordance with the fair credit reporting act, XXXX acct # XXXX has violated my rights. 
In accordance with the fair credit reporting act, XXXX XXXX acct # XXXX has violated my rights. 
In accordance with the fair credit reporting act, XXXX  acct # XXXX has violated my rights. 
In accordance with the fair credit reporting act, XXXX  acct # XXXX has violated my rights.