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

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX Account number XXXX - IDENTITY THEFT 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX I would like for these Inquiries to be deleted from my credit report with XXXX, Equifax and XXXX. I did not authorize these companies to run my credit. This is fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a federally protected consumer I am aware of my rights and i am constantly violated by TransUnion, XXXX and XXXX. Ive called multiple times to remove these accounts from my credit repost if they can not verify these accounts they have violated 15 USC 1681i ( 5 ) ( A ) ( i ) if 30 days past and information isn't verified it must be removed. 
-Sent dispute letters XX/XX/XXXX and still have errors on my report. 

15 USC 1666b late payments from open ended credit plans cant be reported. 
-Dispute was to remove the late payment which wasn't late but still have not fixed it. 

15 USC 1681 ( B ) must have written permission to furnish on my behalf. 
-Reported multiple items without written request from me 15 USC 1692k ( a ) ( 1 ) allows for any action of damages. 
-Have n't been able to purchase a house due to error on my consumer report. 

15 USC 1681 ( a ) ( 4 ) right to privacy. 
-Did not give consent to repost items to consumer report. 

15 USC 1681 ( b ) must follow reasonable procedures.

-Sent out unfreeze letter to TransUnion multiple times and still wont unfreeze my account. 

15 USC 1681a ( 2 ) ( B ) if transaction authorized by social it can not be reported. 
-Items was reported that i used my social to obtain. 

15 U.S.C 1681n ( a ) ( 1 ) ( A ) failure to comply will result in 1000 for each violation.
Product: Debt collection

Account was opened XX/XX/2015, I did not find out about this until recently when I saw it on my credit report. I tried to contact the company, but they will not respond.
Product: Payday loan, title loan, or personal loan

I would like you to stop banks which are supported and subsidized by the government from discriminating against certain companies and citizens safely and legally producing, selling, and using legal products. 

Recently both Citi Bank and XXXX XXXX XXXX have announced that they will no longer loan to manufacturers or dealers of certain types of firearms. They are taking the position that banks can decide what the people of the US can purchase and use ( since if no one manufactures or sells these items, no one can purchase or use them ). These banks should have no right to discriminate against lawful activities carried on by millions of Americans. That is especially true since the banks are chartered, regulated, supported, and subsidized by the American government and the American people. Without this support, banks would be much smaller, make much less money, and not have the power they have. These bank actions are in fact little different than if the banks discriminated in mortgage practices, car loans, etc. I have discussed this issue with representatives of both Citi and XXXX XXXX XXXX and they were not interested in my concerns. 

Federally supported banks should not be able to discriminate against lawful practices by American citizens.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Payday loan, title loan, personal loan, or advance loan

Illegal payday loan with unreasonable interest rates. 
Moreover, according to Section 16-17-7 of the Georgia Code, any interstate financial corporations caught at payday lending operation in Georgia will be immediately punished for it and their license suspended. This includes any out-of-state lenders and online tribal lenders.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of fraud. I had some issues with fraudulent addresses appearing on my credit report. Someone has been using my ID and SS number to apply for account in my name. Please delete/remove the folowing addresses : XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX I have a numbers on my credit rreport that do not belong to me on my credit report please delete they are not mine numbers. ( 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 I have account that I have disputed already from XXXX XXXX # XXXX**** XXXX XXXX # XXXX**** XXXX   XXXX # XXXX**** XXXX XXXX # XXXX**** XXXX  XXXX # XXXX**** XXXX XXXX # XXXX****XXXX/XXXX XXXX # XXXX***
Product: Mortgage

XXXX XXXX XXXX holds our mortgage and also collects escrow for our insurance and taxes. We have been receiving documents from the insurance company since the beginning of XXXX about our renewal and I have been monitoring the policy deadline, I wasn't concern because the mortgage company holds our escrow for this, until four days before my home owners insurance was due my carrier still had not receive payment. Payment was due on XXXX/XXXX/18, United has stated that they did not receive any documents from the insurance company yet the insurance company has confirm the address of where the letters were sent and I was also receiving copies. I received two letters in the month XXXX 2018. It's not the consumer job to police the mortgage company to pay their home owners insurance we trust that they are a reputable entity with the resources to comply with their contract. Today is XXXX/XXXX/18 and payment has not reach the insurance company. We emailed united at XXXX on XXXX/XXXX/18 to pay the insurance as of today XXXX/XXXX/18 our insurance company still has not receive payment even though united has confirm a check has gone out. I am disturbed that they did not comply with paying our insurance on time. They are irresponsible and negligent on so many level. I want to make sure that this does not happen again to us or any other consumer whose loan is with XXXX XXXX XXXX. Should I now be concern that our taxes will not be paid on time to receive the full 4 % discount in XXXX?
Product: Credit reporting or other personal consumer reports

Per code 15 USC 1681 b & 15 USC 1681s-2 Us 242 You Must follow the law as it has been put in place to protect the consumer which I am. Honor my request this has been my second attempt Ive lost thousands of dollars paid high interest rates aggravating headaches stress and loss time this is my last attempt if this isnt COMPLETED AS SUCH I WILL MOVE TO LITIGATION!!!
Product: Debt collection

I am writing to you requesting that you remove FCO from my credit report. FCO is a third-party collection agency. Furthermore, I never lived in XXXX XXXX. I lived in XXXX, which XXXX XXXX purchased ; by the time XXXX bought XXXX, I had already moved out. XXXX XXXX sold the debt because they could not pursue something not owed to them. Also, this rent occurred during covid, which was not that amount ; They inflated it. I am asking the CFPB to look into this, as I feel it needs to be investigated.FCO is a third-party collection! The state of New Jersey does not allow Covid rent debt to be sold to third-party collections XXXX was going to pay the balance to XXXX, but I moved before they could because the landlord kept pressuring me to move, and once you move, XXXX would not pay it off. This should not be on my report. 

XXXX XXXX XXXX  Respectfully, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the XXXX data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
XXXX U.S.C XXXX ( a ) ( XXXX ) - nothing can be furnished on my consumer report without my written consent XXXX XXXX Code XXXX - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( XXXX ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. 
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. 
Accounts XXXX. The following personal information is incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXXXXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXXXXXX XXXX XXXX XXXXXXXX : XXXX Please remove it from my credit report.
Product: Checking or savings account

It was about XXXX months ago I was having issues with my bank account so I contacted the company and informed them of the situation and asked them to stop auto draft. They stopped the one for that month but then withdrawal it the next month. So I called again to see what happened and informed them that I stopped the auto draft and needed the money back into my account They then informed me that they didn't stop it because it wasn't wrote up in the system and there wasn't anything they could do. Then asked had it been stopped they said yes, so I called back the next day and found out they still didn't stop it, it took me XXXX more days before they did stop and thats because I had to make them send me a letter to my email
Product: Checking or savings account

There was a fraud deposit of {$2600.00}, then a fraud wire withdrawal of {$2400.00}. 
However, when I contacted the fraud department, they took the fraud wire credit back and left me with a negative balance!!!! I never wanted to open a savings account with AMERICA FIRST CREDIT UNION. I only have an auto loan and savings account with {$1.00}. Now I have a fraud savings with - {$2400.00} XX/XX/2023 FRAUD ADJUSTMENT - {$2600.00} - {$2400.00} XX/XX/2023 XXXX XXXX XXXX XXXX ; XXXX ; XXXX XXXX XXXX XXXX {$2400.00} {$210.00} XX/XX/2023 ONLINE BANKING SHARE TRANSFER FROM SHARE ACCOUNT : XXXX XXXX XXXX XXXX {$2600.00} {$2600.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : The name and address of the original creditor and the current creditor.

Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
Proof that the original creditor securitized the debt. 
Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 


Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 


Thank you for your prompt attention to this matter.
Product: Bank account or service

I have had a checking account with PNC BANK for many years. I am a XXXX XXXX year old XXXX who has his social security XXXX pension deposited directly in my checking account. I have huge medication expenses and during this time of the year I sometimes overdraw my account. I have opted in for overdraft protection which I know will cost me a lot when I over draw. I have tried to open a savings account to protect me from these large charges but I am XXXX miles from the nearest branch and therefore PNC says I can not prove who I am as required by the Patriot act. They do n't like old people I think. In order to effect a better option for overdraft charges, which are killing me ( I am a XXXX XXXX patient ), I called the bank several times and they suggested that I apply for a PNC VISA CARD and opt to use the credit limit on the card to act as my overdraft protection. This I did and a PNC VISA credit card with a {$1000.00} credit limit was granted to me. I was told that this card would be used for my overdraft protection. They advised that my credit card limit would be used as my over draft protection, but I would incur a cash advance charge when that feature was used to comer my overdraft. I so agreed. I am XXXX and can not read with my XXXX ( XXXX which I do n't have at this time ), so I called the bank many times to assure myself that my overdraft protection up to my credit line was in effect.i was told it was. The bank erred the first few times I had an overdraft and they charged me about {$70.00} as I recall. I called them and they acknowledged their error, that being that my visa credit line was not attached to my checking account properly and they would do so immediately, and refund the charges. This worked for awhile and they would debit my Visa and charge me {$10.00} each time. I thought {$10.00} was too much as no one ever told me it would be that high. After awhile PNC again started charging me {$35.00} X XXXX every time I over drew. My check is only {$1700.00} so this really hurts. The bank knows of my low vision problem. This past month these charges amounted to over {$270.00} which I think is unlawful. I called them and that they reverse all the charges as I had more than {$600.00} of my credit left on my Visa. They refused. Please see if you can help me. Many thanks XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to get XXXX XXXX to remove derogatory info on my report removed. They have 2 accounts showing derogatory amounts of {$660.00} and {$1000.00}. But its the same account # XXXX for both accounts reporting. I disputed this with them inXX/XX/XXXXand they said accounts were verified. 2 amounts and 2 accounts that are reporting both as derogatory. To my knowledge my account was paid and then closed by me in XXXX
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 Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : 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, credit repair services, or other personal consumer reports

I consumer XXXX XXXX have been trying to dispute the XXXX XXXX XXXX XXXX which status shows charge-off. I have submitted documents to the credit bureaus and this account is still on my credit dispute no known accuracy was proven. My rights are being violated as a consumer. This account can not be verifiable. If it can be verifiable please send me all documents to my address on my license attached to this file.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX my DOB XXXX my SS XXXX, I have some unknown addresses and accounts that are on my credit report. I have never done business with XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, I was told to file a report with the FTC and XXXX police for this fraudulent account.