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

Because of the data breach Ive noticed several incorrect items on my report. And now Im extremely worried about my personal data
Product: Credit reporting or other personal consumer reports

I am filing this complaint due to inaccurate and incomplete information being reported on my credit report. I have reviewed my report and found several issues that need immediate correction and deletion, which are in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The following errors exist on my credit report : XXXX. Inaccurate Names : Multiple variations of my name are listed, including incorrect spellings and versions of my first and/or middle names. The only correct name should be Letter enclosed.

2. Incorrect Address Information : Several addresses are reported that I have never lived at or have no association with. These addresses should be removed and replaced with my correct address : Letter enclosed.

3. Incorrect Phone Numbers : The phone numbers listed on my credit report are inaccurate. My only valid contact number should be Letter enclosed.

4. Incorrect Employment Information : My employment history is incorrectly reported. The correct employer is Letter enclosed, and all other entries should be deleted.

5. Removal of Social Security Number ( SSN ), Date of Birth ( DOB ), and Year : I request that my Social Security number, date of birth, and year of birth be removed from my credit report to ensure the safety and privacy of my personal information.

I have already contacted the credit reporting agencies to address these issues, but no meaningful corrections have been made, and the errors continue to affect my credit profile and score.

In accordance with the FCRA, I request that these inaccuracies be corrected, and the proper information be reflected on my credit report. Under the FDCPA, these agencies are obligated to ensure that only accurate, verifiable information is reported. I am requesting that these inaccuracies be fully removed from my credit file and that an updated credit report be sent to me showing all deletions.

Failure to comply with these requests will result in a formal complaint to the Federal Trade Commission ( FTC ), and I may pursue further legal action under both the FCRA and FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

*See attached!! DELETE NOW please this not proven certified compliantly reported injurious information unfairly accused of me Please Remove from reporting all unfavorable claims of and within this item here now officially challenged for documented confirmation of its certified compliance
Product: Debt collection

Portfolio Recovery Associates, XXXX has been sending me letters with violations to 15 USC 1692. I have enclose letters that I have of Portfolio Recovery Associates, XXXX violating these laws.The laws that they violated were 15 USC 1692b ( 5 ), 15 USC 1692b ( 2 ), and 15 USC 1692d ( 2 ).
Product: Debt collection

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that XXXX Bureau efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CALIFORNIA BUSINESS BU. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting or other personal consumer reports

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX Dear Credit Bureau : I obtained my credit report from you and there were XXXX Bankruptcy XXXX items listed. XXXX XXXX XXXXXXXX ) Per the FCRA 623 ( a ) ( 5 ) : *If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.

The County Recorder of Deeds and the Bankruptcy Courts have both mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records.

Public records information is NEVER validated by the Recorder of Deeds nor the U.S. 
Court system due to the Fair Credit Reporting Agency PRIVACY LAW.

My inquiry to the County Recorder of Deeds and XXXX Bankruptcy XXXX confirmed XXXX transunion and XXXX Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all tax lien and bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately.

You needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under " Public Records '' needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the Federal Law. you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify - through physical verification of the original signed consumer contract and/or judgments ) - all accounts and public information that you post on anyone 's credit report.

Failure to respond in a satisfactory manner within 30 days of receipt of this certified letter will result in a small claims action against the XXXX, XXXX, Transunion, Credit Reporting Bureau. I will be seeking no less than {$5000.00} in damages for, but not limited to : 1 ) Defamation ; 2 ) Negligent Enhancement of Identity Fraud : 3 ) Violation of the Fair Credit Reporting Act and Consumer Financial Protection Bureau. 

Sincerely. 
XXXX XXXX
Product: Checking or savings account

I have been going through the claims process with chime for 4 months now. The claim was placed due to not cancelling a reservation and still being charged through the process the ledger was provided and specifically shows that I requested to cancel and chime is still dragging their feet and not accepting the documentation for what it clearly is
Product: Credit reporting or other personal consumer reports

Permissible Purpose : 15 USC 1681b Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) Verification : 15 USC 1681i ( 7 ) Despite my repeated efforts, supported by documentation, your entity has failed to take appropriate corrective action. Your continued inaction violates my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable laws. Given the significant impact this identity theft has had on my life, I demand removal the fraudulent account. This situation has been worsened by the data security breach involving XXXX XXXX XXXX ( XXXX XXXX. XXXX ). I am requesting the fraudulent account to be dismissed from my credit file. The disputed item is : Fraudulent Transaction : XXXX XXXX. # XXXX. Opened XX/XX/year> Your entity has continue to fail at conducting a timely and meaningful investigation, as mandated under 15 U.S.C. 1681i ( a ) ; improperly verified or ignored accounts that are clearly unauthorized and linked to the XXXX data breach; continued to report inaccurate information in violation of 15 U.S.C. 1681e ( b ), which requires reasonable procedures to ensure maximum accuracy, and you are in violations of the law.
Product: Credit reporting or other personal consumer reports

por the guidance from the Consumer Financlal Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping XXXX to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX  according to XXXX  Debt Final Rule 1002 142 ( b ) ( 4 ) -5-1002.142 ( bX7 ) 1 kindly request that you block this information from my credit report within four business days, pursuant lo section XXXX of the Fair Credit Reporting Act. I am a victim of XXXX  XXXX  of XXXX XXXX and would Ilke foriall listed accounts to be blocked and deleted company information Transunion. Please delele the following accounts. XXXX XXXX  {$850.00}, XXXXXXXX XXXX {$2500.00}, XXXX  XXXX {$600.00}, XXXXXXXX XXXX XXXX {$550.00}, XXXX XXXX XXXX XXXX {$3000.00}, XXXX XXXX {$140.00}, XXXX XXXX {$550.00}, XXXX XXXX XXXX XXXX {$840.00}, XXXX XXXX {$140.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

1.When I check my credit report there was 2 late payment. 
In the case of XXXX XXXX XXXX, I never late over 6years. 
Actually, my mon XXXX XXXX because of XXXX XXXX, I had to be out of state, I didn't know late payment. ( XX/XX/2020 ) When I call XXXX XXXX XXXX, I canceled the arrears caused by Covid 19.

But I found this late payment wasn't remove

d. 2.I found 1 late payment of XXXX account almost over 10 years ago. In my opinion, any record over 7 years ago should be removed. I paid off this account. And these 2 accounts remain on my credit rep ort as hard delinquency. One of the records was waived, the other record was over 10years paid off the account. These accounts that w
ere saved by information and covid 10 years ago still remain on the record.
Product: Student loan

In XXXX of 2016 my student income based payment plan was set to renew at 15 % of my income. I asked Navient if there was a way to lower the payment. They steered me into a new plan that would be 10 % of my income without explaining to me that I would incur {$60000.00} in capitalized interest. I believe I was deceived so they could get more interest.
Product: Checking or savings account

PNC accepted a {$2.00} charge and charged me {$36.00} overdraft fee 5 days later even though a cash deposit was made, they will not refund this. I have been trying to close this account and forgot to unlink one past account. PNC is not assisting in allowing me to close the account either. This is very dangerous territory to be scamming customers in. PNC is constantly trying to scam its customers and they should be in jail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one bank financing in reference of a car doesnt report accurately and keeps reporting the wrong information after several payments are made
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to dispute these XXXX XXXX XXXX for a couple years due to them engaging in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights. I have attached my dispute letter from XX/XX/23 for your review.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am making this complaint by my own free will not with a third party but me myself and I so please do not close it down. Please submit it to the credit reporting agencies. so i was looking at my credit report and i noticed that there were some accounts i didn't recognize so i wrote to the credit bureaus asking them to remove the accounts that didn't belong to me and i never heard anything back and the accounts are still on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/22 XX/XX/22 I've had issues with the payment processor that has caused payments to not come out on time. I use this service to help my credit but it has caused more damage. When reaching agents it is via email and can take a day for reply caused last payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX SS # : XXXX XXXX # XXXX Add : XXXX XXXX XXXX, XXXX, FL, XXXX Last year I froze my experian credit bureau, I thought I had a fraud problem. I removed the hold approximately 2 months later. I was charged one month which I was not aware of and was not charged by the other bureau 's. My complaint is even though I removed my hold ( and the fact that I have not been charged since then indicates they removed the hold ), when I applied for a credit card my experian account was locked so the credit card company can not approve my card. I have been trying for over a week to get through to experian and can not, all I get is a computerized runaround. The computer wants me to supply numbers they gave me to lock the account. I threw these numbers away when I unlocked the account. The other bureau 's are no problem. In short you can't talk to a human and the computerized responses are not adequate. I need my account unlocked!
Product: Credit card or prepaid card

almost 2 years ago my wallet and cell phone was stolen and my self credit card was maxed out and im left with the debt and interests fees
Product: Credit reporting or other personal consumer reports

Debt passed the laws statute sold to third party. 
Account was established fraudulently with no documents & already removed from my account. Company continues to add debt back to my report although its expired, fraudulent, & passed the statute.
Product: Payday loan, title loan, or personal loan

i applied for a small installment loan from.what i thought was acecashexpress and i got an email stating i was approved with what looked like official letterhead even a pic of the license with an approval number and a name on it. i called they explained the fees to me than asked me to.fully verify.my social, my debit card and bank acct. they say theyll call me back i than get a call from my bank who.said someone called in 5 claims about 5 different withdrawals luckily the lady at bank found it suspicious and tried to.further verift this person acting like me and told them they needed to go into a local store.they did.call back and told me they were workin on it except this time i recorded the.covo
Product: Credit reporting or other personal consumer reports

This unauthorized account is not mine, and I did not authorize its establishment. Please delete this inaccurate account from my records.
Product: Money transfer, virtual currency, or money service

This company works with places like XXXX to either approve or decline check transactions that are " likely '' to clear or not. I have contacted them several times and I get these overseas reps who are rude and indignant. I ask WHAT is on my " file '' with them that is causing XXXX to decline cashing my check. They proceed to tell me that " THEY CAN NOT PROVIDE THAT INFORMATION TO ME ''! 

How does a place that has my full SSN, among other things, not allowed to disclose information to ME?! XXXX and XXXX were the most ignorant people I have ever dealt with. I requested my file and never received it and when I called back, they give me this XXXX script that dances around the question of WHAT IN MY FILE IS FRAUDULENT?
Product: Student loan

Did a cybersecurity bootcamp with XXXX with Climb Credit being the private loaner in XX/XX/XXXX. As advertised from the XXXX, it seemed to set people up to get a job in the IT field and support students through the process for people that had XXXX experience in the field and subjecct. It looked like a great alternative to traditional degree programs. However at the end of the bootcamp, all that was given was a certification of completion on the course and a voucher for an exam valued at ~ {$250.00} dollars and access to the material for some time after the bootcamp had ended. Climb credit 's loan was for {$11000.00} and had a 1 year payment plan or a 2 year payment plan of $ 500 monthly which I had to choose since I did not and do not have the full amount to pay it back. It seemed great because the loan did not start until 2 months into the XXXX  which I thought would be fine seeing as I thought I would be in a position to move up in the XXXX XXXX and pay it. It is now 7 months after the bootcamp ended and I have yet to seek employment even after self-teaching a certification that covers the industry standard of the XXXX XXXX  which the bootcamp did not cover. When going back to seek information or assistance from the program it is completely gone and as of XX/XX/XXXX it is no longer available and I have no way of contacting anyone to see how I can dig myself out of the financial hole that I was led to believe would not be an issue. The whole bootcamp felt like a huge over-promise and regrettably I was so eager to jump at an opportunity to start a career I took it and I left with a {$12000.00} bill and monthly payments that have drained me to the XXXX with no experience or credible education to help in a job search.
Product: Debt collection

Im in complete shock about this negative item that continues to appear on my credit negatively. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

ACCOUNT NAME : XXXX  /// ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX/XXXX  /// ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX /// ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX /// ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX  /// ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX  /// ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX /// ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX /// ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX /// ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX /// ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX /// ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX  /// ACCOUNT NUMBER : XXXX ( These accounts have violated my rights ). 
( These accounts have violated my rights ). 
( These accounts have violated my rights ). 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

My Wells Fargo visa card balance was {$540.00} on XX/XX/XXXX. I have a reoccurring loan payment that a portion of goes to my " Wells Fargo '' visa* card which is my overdraft account after my " Way to Save '' account. " WF offers early direct deposit and my checks are usually in my account Wednesday or Thursday of every week. I pay that overdraft fee from my checking account on the 9th day of every month if necessary. On XX/XX/XXXX, I viewed my activity on my checking account and noted my loan payment of {$270.00} and a " XXXX '' XXXX XXXX payment in overdraft on my Visa card. As usual, I went to my online account on XXXX XXXX XXXX XXXX XXXX XXXX  and viewed my direct deposits ; XXXX XXXX weekly deposit of {$420.00} and XXXX bi-weekly deposit of {$830.00} in my checking account., I paid {$400.00} to the visa* card, {$100.00} to my " Wells Fargo , Bilt '' card, and transferred $ XXXX savings My remaining balance was {$330.00}. On XX/XX/XXXX I paid another {$50.00} my balance was still {$540.00} hours later I had a cash advance of {$950.00} on my credit card and my checking had over XXXX in it savings was $ XXXX disputed. My savings was restored. The credit balance went to {$1100.00}, and .later the interest was removed. My credit score is XXXX pts. I was told I would not be charged interest on the unauthorize cash advance.
Product: Debt collection

Midland funding has been harrassing me over a debt I have no knowledge of for the past 7 years. They have contacted my place of work, which they were informed by my XXXX was not allowed back in XXXX, but still did it after the fact. I have prior co workers who can testify to the harrassment as I had my workplace phone on speaker when the calls occured. They continuously send me notices in the mail trying to get me to pay. The notices I receive claim the debt was charged off in XXXX of XXXX. 
They called and harrassed me for years threatening me, cursing at me, and threatening legal action. It stopped for about a year and now that I have moved to a new state it is suddenly starting again. This alleged debt is far past XXXX statue of limitations on debt, which is 4 years. I want the harrassment to stop. This is also not on my credit report so I am confused as to why they are still pursuing me. 
I will not be paying a XXXX to this scam of a company and I want the constant attempt at communication to stop entirely.
Product: Credit reporting or other personal consumer reports

Experian and XXXX has failed to full its legal obligation under the Fair Credit Reporting Act ( FRCA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.