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

I want to file this complaint with TRANSUNION. I sent them a letter dated XX/XX/2023, regarding the inaccuracies in my report such as the date of last activity, date opened, date reported, payment status, etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information is still reporting. 

My rights have been violated numerous times. 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. It also states a consumer reporting agency can not furnish an account without my written instruction. 

XXXX : Company 's Response In your complaint, you request that information, including a bankruptcy, be removed from your XXXX Credit Report. You also claim that XXXX took more than 30 days to conduct a previous dispute investigation. In response to your complaint : Per your previous request, sent by mail dated XX/XX/2023 and XX/XX/2023, XXXX reviewed your request and informed you that all of the information referenced in your letter is not on your XXXX Credit Report. The investigation results were mailed to you in our letter dated XX/XX/2023, which means the investigation was completed on the same day your request was received. While XXXX does not have public records, such as bankruptcies, on our Reports, accounts on your XXXX Credit Report may still include a bankruptcy status. Currently, none of the accounts on your XXXX Credit Report include a bankruptcy status. 
You reference Section 604 ( a ) ( 2 ) of the Fair Credit Reporting Act ( FCRA ), which permits a consumer reporting agency to furnish a consumer report at the written request of the consumer. However, that is not the only section that authorizes a consumer reporting agency to furnish a consumer report. Section 604 ( a ) lists several scenarios where a consumer reporting agency may provide a consumer report to a third party, including in connection with a credit transaction ( Section 604 ( a ) ( 3 ) ( A ) ). All of the other information referenced in your complaint is not on your XXXX Credit Report. The investigation results have been mailed to you separately. Please visit our XXXX XXXX on XXXX for more information regarding your XXXX Credit Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Did not receive statements for the months late payments are reporting to credit bureaus account has since been paid in full resulting in XXXX balance owed
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach and I am requesting the immediate blocking and deletion of certain accounts from my credit file in accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). The following accounts were opened without my knowledge or authorization, and I ask that they be removed from my credit report : Fraudulent Accounts : 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

ive noticed a few new inquiries on my credit reports this is a violation 15 usc 1602 ( p ) UNAUTHROIZED USE and 15 usc 1681b ( a ) ( 2 ). Ive attached an FTC report. 
XXXX XXXX XXXX XX/XX/21 XXXX- XX/XX/21
Product: Credit reporting or other personal consumer reports

Ive been to a few colleges throughout the years and as the time went by Ive noticed my loans were getting sent to third party businesses which Ive later found out that thats against my rights as a consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDCO and XXXXXXXX XXXX XXXX have an inquiry on my credit report. I have not received an offer of credit or a notice of denial of credit. Im not familiar with this inquiry except that it was likely the result of a shady car dealership on XX/XX/2021. 

They told me they only applied directly with manufacturer provided financial services via XXXX XXXX XXXX, so Im not sure why Im seeing CREDCO or XXXX XXXX XXXX on my credit report. I request an authorized use inquiry. If an offer of credit was made, please verify it and provide evidence of the offering. If there was a denial of credit, please verify it and provide evidence of compliance with the adverse action requirements. I am also requesting removal of these inquiries from my credit reports with the three major credit reporting bureaus.
Product: Debt collection

Received phone call in early XX/XX/2021 from Medical Data Systems notifying me that I owed {$760.00} to XXXX XXXX XXXX. I told them I had no recollection of this bill and to please mail a statement to the verified address they have on file. Representative refused saying that the statement had already been sent previously. I explained that I would not be giving payment information to an unverified collection without seeing written notification. 

Received phone call in early XX/XX/2021 from Medical Data Systems notifying me that I owed {$760.00} to XXXX XXXX XXXX. I told them I had no recollection of this bill and to please mail a statement to the verified address they have on file. Representative refused saying that the statement had already been sent previously. I explained that I would not be giving payment information to an unverified collection without seeing written notification. 

XX/XX/2021 Med Data Sys hit my credit for collection in the amount of {$760.00}. 

After finding their contact online, I called on XX/XX/2021 to resolve the issue but they still refuse to send me a statement via mail
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. In addition to that, the accounts shown in the report show very clear inaccuracies and therefore I formally request that they be eliminated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act " XXXX XXXX  XXXX/ account # XXXX has violated my rights. 15 U.S.C. 1681 section 602A states that I have a right to privacy. 15 U.S.C. 1681 section 604A states that a consumer reporting agency can not furnish an account without my when instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiry from Credit Acceptance Corp/CAC on XX/XX/2019. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report
Product: Consumer Loan

Condor Capital continues to contact me regarding this matter. I included this company in my bankruptcy that was discharged on XXXX XXXX 2015. They owe me a $ XXXX refund as well that they refuse to send to me. They will not update my credit file showing I do not owe them.
Product: Credit reporting or other personal consumer reports

On my Experian consumer report, I have an address present that I have never lived at. Anything related to or pertaining to the address XXXX XXXX XXXX XXXX, XXXX, TX XXXX must be deleted from my consumer report. this is a non-mailable address and I can not be reached at this address because I have never lived there.. 


I have a notice on my Experian consumer report, saying this address has been pertained to a business : XXXX XXXX XXXX XXXX, XXXX, TX XXXX this is an accurate as I have never lived at this address and I can not be reached at this non mailable address please remove this address. 


On my Experian, consumer report there is a Hard inquiry for an XXXX XXXX inquired on XX/XX/year> this is an unfamiliar unauthorized Hard inquiry and I would like it removed which is my right part 15 USC 1681 permissible purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according I 15 USC 1681 ( 5 ) : I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is XXXX. experian. and XXXX did not modify or removed anything. 
The date open are not correct, date last active are not correct on all three credit reports, date of last payment is not correct on all three credit reports Which is a violation. This is impacting me from moving forward to buying a house for my family, Buying a car and getting business loans for my business. 
These are the following accounts that were not removed. 
XXXX XXXX  Account # XXXX. 
XXXX XXXX XXXX Account # XXXX. 
XXXX  XXXX XXXX  Account # XXXX. 
XXXX XXXX Account # XXXX. 
XXXX XXXX XXXX  Account # XXXX. 
XXXX XXXX XXXX XXXX Account # XXXX. 
XXXX XXXX XXXX XXXX Account # XXXX. 
XXXX XXXX  Account # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to their own tool, I am one of the people impacted by Equifax 's recent cyber security breach.
I have submitted a 90 day alert on my account for all new credit inquiries, but this level of personal data loss is nearly inconceivable to me.
My name, DOB, SSN, and all of my current lines of credit are now permanently accessible by motivated persons on the internet. Who knows what other data was leaked in addition.
What are my options? Change my social security number? This sort of mistake is absolutely inexcusable. The sum inconvenience, to put it lightly, of all affected parties is astounding.
Product: Credit card or prepaid card

Synchrony has been avoiding me when I reached out to them on social media in reference to complaints with the Care Credit Card.
Product: Credit card

Recently I opened a Barclaycard Arrival Plus credit card. Part of the offer included a 0 % interest balance transfer for first 12 months. I initiated a balance transfer from my XXXX XXXX Credit Card in the amount of XXXX on XXXX/XXXX/15. However Barclaycard initiated a second balance transfer in the amount of XXXX that I did n't approve. I noticed this on XXXX/XXXX/15 at which point I both called their customer service line, and opened an online message/ticket. After two weeks of no resolution, I was finally able to get a hold of someone who could answer my questions, and they told me they were unable to reverse the balance transfer, at which point I would need to contact XXXX and ask for a check in the amount of the second balance transfer amount, and then pay my Barclaycard down with that money. Since I did n't authorize this charge on my card, I fail to see how Barclaycard sending money to XXXX is my responsibility? My credit card came with a promotional offer if i spent {$3000.00} in the first 90 days, I would be rewarded with XXXX miles. However, since they have effectively maxed my credit card out with a double balance transfer I of course am unable to use the card. Also, it is making my debt ratio look much higher, and potentially pulling down my credit rating.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
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 XXXXXX/XX/year>
Product: Student loan

I submitted all the documents for PSLF in order to have my loans fully forgiven during the TEPSLF period. I have received documentation from the loan servicer that they received my documents and that they are under review. I called my loan servicer to get an update on the status of my loan forgiveness and was told that they didn't have my application and that I needed to submit a new one under the current forgiveness program. I uploaded the letter that they sent me saying that they have the documents, and was still instructed to complete the form again to take advantage of the current forgiveness programs.
Product: Debt collection

I have been making monthly payments on medical debt since XX/XX/XXXX. Originally the amount was XXXX I had paid the debt down to XXXX. By making monthly payments every month usually before the due date my last payment was XX/XX/XXXX for XXXX. XXXX XXXX stopped sending my statements to the correct address. At some point they claim they sent my statements to my old address, even though, I had been receiving my statements at my current address for almost 2 years. Then turned me into collections & : never told me until after numerous calls to them asking about what was going on with my account. Then promised they would get my account out of collections, since it was there fault, because they sent the statements to the wrong address. At no point did the collections company send me a statement either. I only realized it had been in collections since XX/XX/XXXX : when I got a credit alert! Which dropped my credit score XXXX points
Product: Vehicle loan or lease

This is my first dispute regarding Chrysler Capital. Chrysler Capital is reporting an unlawful repossession on my consumer reports. I sent a request for all the documents they have in their possession pertaining to this unlawful reporting. I was not provided everything. I did not receive the Commercially Reasonable Manner of the Transaction letter, I did not receive the 3 disclosures that all financial institutions and one of this is the disclosure of institution privacy policy. According to 15USC 6802 a financial institution may not disclose nonpublic information to nonaffiliated third parties and I did not sign anything and it wasn't provided with the documents Chrysler Capital sent. Chrysler Capital has repeatedly violated the FCRA and my consumer rights and now I am demanding this unlawful repossession be deleted from my credit reports immediately.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

I wish to file a complaint against PNC bank in particular, but this probably applies to other banks and I am sure many others would have the same complaint. This concerns the way they process the debits and credits to the account and the leveling of very high overdraft fees of {$35.00} per check or debit. 

On XXXX XXXX I had just come back from a trip and had forgotten to make a deposit to my account prior to leaving. I checked my bank balance online and saw that there was {$910.00} in the account. Before the bank closed I made a deposit of {$2300.00} to the account. Later in the evening I went online to download my account to XXXX. The deposit amount was shown as received by teller and a check that I had written for {$1100.00} had not cleared, nor was it shown as pending. The next day I received an overdraft charge of {$35.00} and they claimed that the check for {$1100.00} had cleared on XXXX XXXX. Their online banking had never shown that check. When I told them that I had made that deposit on XXXX XXXX their answer was that I only get {$100.00} of that to apply until the next day. I have argued with them about that but they refuse to remove the {$35.00}. 

On a different account the next day a similar situation happened. I had forgotten to deduct a check I had written. There was a check I mailed to a vendor on Sat. XXXX XXXX. On Mon. XXXX XXXX that check money was debited from my account. I was overdrawn by {$56.00} and they charged my account {$36.00} for the overdraft. I run a business and on XXXX XXXX I had XXXX deposits of {$130.00} that are processed by that bank and go into that account. On Monday XXXX XXXX that XXXX deposit appeared as pending, and they did not count that money as covering the overdraft. 

Here is my concern in a nutshell. The banks can immediately debit my account for checks that I write and mail to a vendor, but checks that are accepted by me and deposited in my account are held for XXXX day and do not apply to my account. That applies to cash deposits as well. If my deposit and a check come in on the same day they count the XXXX but not the other. I understand this would happen if XXXX uses an electronic transfer and set a date for the debit to be made or use a debit card, but checks that are written by someone and ones received and deposited by that person should be handled the same way. Either these checks that are scanned should show as pending on an account the same as any other check, or deposits should be treated as immediately available if overdraw situations occur. The way they are doing it now allows banks to take your money and use it for a day with deposits, but they can immediately cash your checks and remove the money from the account without it going through a pending process. It should be XXXX way or the other to be fair.
Product: Debt collection

I have asked Central Financial Control to validate a collection they are reporting on my credit reports on XXXX/XXXX/15 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Product: Debt collection

GC Services - Partnership from XXXX, Texas XXXX has been calling my family members and friends in an attempt to collect a debt. They call daily and leave a message asking to have XXXX ( me ) call them back. They told a family member that they have the number listed as an alternate number ( I have NEVER listed my family as alternate contacts ). They have called a minimum of XXXX different family members about this and wo n't stop.
Product: Credit reporting or other personal consumer reports

Comenity Bank/ XXXX  is still reporting to my credit report. They sold this account to XXXX XXXX which they then took me to court for. This case was dismissed by the court so I am asking that they stop reporting this to my credit report.