23daVinci/CFPB_Complaints huggingface dataset:
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 consumer rights to privacy and confidentiality under USC 1681. 

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  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 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 that the information is inaccurate.
Product: Mortgage

Calls to the credit union are placed on hold, if answered at all. Calls by appointment are not kept. this has been going on since XXXX ( last attempt XX/XX/year> ). I've received an email apology stating there're call volume issues. I've also been penalized with late fees added to my account. I have no issues paying for the outstanding balance.
Product: Credit reporting or other personal consumer reports

Despite my ongoing efforts to resolve these issues directly with the credit bureaus, the inaccurate accounts persisted on my credit reports. This has been an incredibly XXXX experience.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX, my XXXX XXXX checking and savings accounts were closed due to being charged multiple overdraft fees erroneously. Since then, XXXX XXXX and I have settled in arbitration and XXXX XXXX has reimbursed me via a check and a stipulation in our agreement was to remove me from XXXX XXXX XXXX within 30 days of receiving the signed settlement agreement from me. 


I submitted the signed settlement agreement in XX/XX/XXXX and it's now over 1 full year and I am still in XXXX XXXX XXXX. XXXX XXXX failed to uphold the stipulations in our settlement agreement. 


On XX/XX/XXXX, I applied to XXXX  XXXX XXXX and PNC for a Checking and Savings account and both denied me due to the negative reporting on XXXX XXXX XXXX due to the erroneous information furnished by XXXX XXXX. 


Ironically, XXXX XXXX opened a brand new checking and savings account for me on XX/XX/XXXX with no issues and so did XXXX XXXX. 


Due to being denied, I am missing out on the new account promotions for {$200.00} that XXXX  XXXX XXXX offers and the that PNC offers. 


I am considering filing a suit against XXXX XXXX for not adhering to our contractual agreement and it's been over a year. 


I do not owe any bank and I have no poor history with any financial institute and XXXX XXXX has made it difficult for me to bank with leading competitors in their market by furnishing erroneous information. 


I have attached corresponding documents including the remediation letter that XXXX XXXX sent me which included a certified check refunding me the overdraft fees and also a copy of the signed settlement which proves that XXXX XXXX was supposed to remove me from XXXX XXXX XXXX within 30 days of receiving my signed agreement copy. 


I am formally requesting a reconsideration from XXXX  XXXX XXXX to open up an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for me. I am also requesting that PNC open up a Virtual Wallet with Performance Spend Checking and Savings Account for me.
Product: Debt collection

Dear Resurgent Receivables LLC, and XXXX XXXX XXXX XXXX XXXX XXXX 

I received your letter at my address dated on XX/XX//2022.

However, I h

ave two simple questions, you have my account, which means you have my social security number. How did you get my social security number/information? And are you licensed in the state of Florida as a Debt collector? Keep in mind this debt is alleged. Best regards.
Product: Money transfer, virtual currency, or money service

Deposited my check and they told me it would be available next day, then they put a 7 day hold on it for verification and refuse to help me in any way since theyre holding all money I have no funds to pay bills or support my household.
Product: Money transfer, virtual currency, or money service

I used Venmo and my account was frozen without notice. I have no access to my money in the account and there is no one who can give me any explanation as to why it is frozen. I uploaded my state issued ID like they asked for and that did not work. My friend sent me money to build a wheelchair ramp for her son. I can't complete the ramp until my money is returned. This is a safety and health issue for him. It's not right that they can hold money XXXX like they are doing.
Product: Checking or savings account

I had a checking account through Bank of the West. I had several fraudulent charges for several months coming out of my account and some several times in a day. They wouldn't refund my account of the fraudulent charges and basically told me there was nothing else they would do. I have never had a bank do such a thing. It totals well above {$5000.00}. I don't know what else to do. I also have never experienced a bank being so negligent as to not have caught this suspicious activity and contact the member to ask if it WAS me. I tried several attempts to speak with someone that would help me it is very apparent someone was almost daily checking my account and then making several purchases of the same amount one after another. I would sometimes sit waiting to speak with someone for 2 hours and then I was told that was the final decision on my account not to refund me. Unacceptable and truly unbelievable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrectly reporting of student loans being paid 1st through NJ Higher Education then went to debt collector, attorney XXXX XXXX back in XX/XX/2012 have been paying since but they are not reporting I have written to NJ Higher Education  previous to the attached letter twice but nothing happened. You will see by the correspondence what has gone on through the years. Yet everyone says nothing changed. Also to this day no-one will in turn send me what the balance was when the attorney received these accounts? Why? 

I am uploading the correspondence below for your review. Maybe you can help me. This is hurting my credit tremendously as it looks as though I have not been paying at all. 

Thank you. 

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

I am submitting a follow-up complaint referencing CFPB XXXX # XXXX. 

I am a documented victim of identity theft. I submitted an FTC Identity Theft Report ( Ref. # XXXX ), sworn affidavit, highlighted report, and supporting documentation. ChexSystems refused to block or delete the unauthorized inquiries as required under FCRA XXXX and instead demanded a police report, which is not required under federal law. 

Under the Fair Credit Reporting Act, once the consumer has submitted a valid FTC Identity Theft Report with supporting documentation ( as I have ), ChexSystems is required to block the fraudulent information within XXXX business days under FCRA XXXX ( XXXX ) ( XXXX ). The statute clearly allows for identity theft reports with or without law enforcement involvement. 

I am demanding full compliance with federal law : Immediate blocking and deletion of all disputed inquiries and fraudulent entries. 

Removal of outdated or unverifiable personal information. 

Written confirmation mailed to me with a corrected consumer file. 

This willful noncompliance is grounds for civil penalties under FCRA XXXX and XXXX. If not resolved within XXXX business days, I will be filing suit in small claims court for full statutory damages. 

This complaint is submitted in good faith and applies solely to ChexSystems.
Product: Money transfer, virtual currency, or money service

On Monday XX/XX/2022 @ XXXX XXXX  I received an email from Venmo advising that someone was trying to sign into from a different location. The email continued " If this is not you, please let us know by responding ''. I immediately responded to the email advising that this was NOT ME and this was FRAUD. The next morning, I logged onto my bank account which was linked to my Venmo account and I observed that there were 3 transactions@XXXX each withdrawn from my bank account ( using Venmo ). I immediately contacted Venmo and they advised that I needed to contact my bank. I contacted my bank and they started an investigation. However, I am still out XXXX AND according to Venmo 's cardholder agreement, if FRAUD is detected, I would not be liable for more than XXXX total. I am needing help to resolve this because I feel that someone is passing the buck. My bank is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, " XXXX XXXX '' reported a fraudulent inquiry to XXXX which was not the result of any credit-seeking activity on my part. XXXX XXXX informed me this was from Quicken Loans LLC. Quicken Loans LLC informed me this was from Rocket Mortgage. Rocket Mortgage XXXX XXXX XXXX XXXX XXXX informed me there was an error on their website which resulted in the inquiry being sent by mistake. She stated on XX/XX/2022 : " Thank you, XXXX. I will get this information over to XXXX XXXX so they can move forward with removing the inquiry. '' XXXX at XXXX and XXXX repeatedly hang up on my relay calls and refuse to take any of my information to report the issue since XX/XX/2022 ( monthly IP relay call logs can be provided for this behavior ). XXXX refuses to acknowledge the mail sent to them via USPS on XX/XX/2022 and XX/XX/2022 as no response has been received and no acknowledgement made. XXXX XXXX insists they were legitimate in fraudulently accessing my credit report when it was unauthorized. Rocket Mortgage has been unable or unwilling to take further action to resolve the problem. As a result, I am paying higher home insurance premiums because of this fraudulent access of my credit report and fraudulent inquiry made by some bogus website.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of the information contained in my credit report. Pursuant to 18 U.S.C. 8, I owe no debt. The reporting of the following items is therefore incorrect and must be removed immediately to ensure compliance with federal law : 1. All accounts including but not limited to those with late payments.

2. All charge-offs.

3. Any and all inquiries.

Furthermore, this company is violating my consumer right to privacy pursuant to 15 U.S.C. 1681b ( 2 ). This company has NO permission to report ANYTHING using my information pursuant to 15 U.S.C. 1681 ( 4 ). As such, all information pertaining to my accounts should be removed from my credit report immediately.

Additionally, I request the removal of all medical accounts listed in my report as they violate The Health Insurance Portability and Accountability Act ( HIPAA ) of 1996. These accounts are being reported without my consent and in violation of my privacy rights.

Please provide written confirmation that these items have been removed. If you require any additional information, please contact me at the above address.

I trust that you will comply with federal law and correct these inaccuracies promptly. Failure to do so may result in further legal action to protect my rights. 

Thank you for your immediate attention to this matter.
Product: Student loan

The school that I attended related to the loans was put out of business for illegitimate business practices related to the financial department. Based on the judicial ruling in regard to this case. I qualified for loan forgiveness. I attended this school for XXXX  years and my loans amount to over {$60000.00}. XXXX  services these loans but as I tried to utilize the mechanism to apply for this option to forgive the loans. I kept getting the run-around. In fact, I was not notified at all by XXXX  about this option but had to learn it by accidentally. 

I therefor am seeking relief and or restitution to the mishandling of these burdensome loans by XXXX.
Product: Checking or savings account

I have complained about the banks fine for overdraft but I havent refunded it after months. I am very disappointed.The bank charged the Insufficient funds fee {$34.00} for {$21.00} overdraft..on XX/XX/2020.
Product: Debt collection

On XX/XX/2018 I received a letter from a collection agency : Harris & Harris LTD for a unusual amount of funds so on XX/XX/2018 I answered the letter with a request for validation for the debt making it very clear it was not a verification of the debt. 

Since this action I had taken I have not heard back from this company in regards to my request to explain the debt and other vital information.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATION/XXXX XXXX XXXX and DEPT OF EDUCATIONXXXX XXXX. I made all my payments in time. I was never late. You're reporting this account erroneously. This is an error and inaccurate information must be removed from my credit file. Please remove this immediately from my report. If there is any confusion, I suggest you contact myself or XXXX customer service representative.
Product: Credit reporting or other personal consumer reports

Upon reviewing my Consumer Report, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : XXXX XXXX XXXX. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Experian allowed XXXX to continuously report inaccurate information for several months including XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX of XXXX. When I asked to have the information verified they did not properly verify the information and continued to allow in accurate info to be reported violating my right to a fair and accurate credit report. They allowed XXXX to continue to change the dates, and balance and statement of a collection with inaccurate information with the most recent being XX/XX/XXXX. The statue of limitation ran out on the account so XXXX reported the account with a new opening date of XXXX of XXXX when the initial account was report 2 years prior and settled.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

3. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

4. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

5. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

6. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX  Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I recently received a copy of my credit report and I noticed your furnishing an account on my consumer report that should not be on there. I demand the below account/s be deleted from my consumer report. 

XXXXDEPT OF ED ACCOUNT NUMBER : XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
I demand this account be deleted from my consumer report.
Product: Credit reporting or other personal consumer reports

I spoke to them but they still try to charge my card or send me unknown charges
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX 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 card or prepaid card

On XX/XX/19 I contacted Bank of America to see what options they had for me to do a balance transfer. I currently have a credit card with them, with a limit of {$31000.00} that don't have a balance, and wanted to see what options they had, if I wanted to do a balance transfer. The agent mentioned that they did offer a balance transfer but the term were shorter than what I wanted using my current card. The agent said that I could apply for a different card that offers zero percent for 15 months, and there was no transfer fee do to the balance transfer. He said he would put in the request to transfer {$22000.00} to pay off my other card, and then open the new card. I agreed to apply for the new card, but he only requested my personal information and not my husbands. I asked why he did not need my husbands info, since my husband makes all most all the household income. He said he didn't need it, that its all based on just myself and the entire household income. After I completed the application over the phone, I asked what was I approved for, and he said he didn't know and I would need to call back the next day to see. I questioned why he didn't know the how much I was approved for, and all he said was to call back the next day. I asked, what if I'm not approved for the {$22000.00} requested, he said no problem, we will just use your current card that has a limit of {$31000.00} and put the rest on it, and still give you 15 months zero percent and no transfer fee using my current card. I questioned why didn't you just use that card, and give me that offer? He didn't know, just said to call back the next day. I called today XX/XX/19 and was told I was approved for {$16000.00} on the new card, and would get 15 months zero percent, no transfer fee, but that was all. I gave my story again that I was told the rest would be applied to my current card and receive the same zero percent for 15 month was and no transfer fee, but the agent said they won't do that. I asked for a manger and spoke to XXXX was a resolution agent, gave her my same story again, but again she would't honor what the original agent promised me. I told her to pull the recording so she could hear exactly what I was promised. I told her I feel that I was totally mislead and why was my credit pulled, and offered a new card, when they wouldn't do what he promised me? XXXX said all she can do, is transfer the of the {$16000.00} and do zero percent for 15 months and no transfer fee, but that was all. I'm XXXX years old, have perfect credit, didn't need another credit card, but feel like Bank of America totally mislead me, and now has pulled my credit, and won't honor what they told me.
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX reporting misleading information. There is no third party involved. Please review the uploaded letters. 

Late Closed : XXXX XXXX {$770.00} Collection : ( Original Creditor : XXXX XXXX XXXX XXXX {$370.00} Charge Off : XXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

There's several inquiries on my credit report that belong to collections and that do not belong to me!
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Afternoon, This company continues to appear and list on my credit report. I have repeatedly inquired to no avail. XXXX XXXX listed twice two different companies with two different amounts. XXXX XXXX? They dont belong to me.