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

the problem I am having withe these credit reporting bureaus they don't do a proper investigation to the disputed items I have on numerous occasion submitted disputes with XXXX/equifax/and XXXX that meet all the fcra guide lines and they come back verified and updated in 10 days or lees as then I ask them of there method of verification and I have also requested these things in writing and I Never have gotten them either all I want is a fair and accurate credit report that's afford to me by the fcra these company are breaking the law in a numerous ways by not being transparent and they will not comply to the rules of the fcraXXXX lies about how they verify accounts they verify my accounts as accurate and these accounts are not attached to an address or my name and they refuse to there jobs by removing them and XXXX sends stall letter thing to buy more time or on most cases they just don't respond or when they they just refuse todo an through investigation so they ksut verify and says it updated and equifax never responds within the 30 days allotted and they always come back updated and verified with no thourgh invetigationand most of all none of these bureaus do a thorough investigation on any of these disputes and the consumer has no chance at a fair and accurate report as supposedly afforded them by the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX Balance : {$1.00} XXXX XXXX XXXXXXXX Balance : {$3.00} XXXX XXXX Balance : {$340.00} XXXX XXXXXXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$130.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Debt collection

XXXX XXXX  keeps sending my exempt from debt collectors debts they have out for collection to bust my chops and have them report it being that XXXX  knows I am exempt from debt collection for the pass 7 years why do they keep tiring to collect
Product: Credit reporting or other personal consumer reports

I also have a collection from XXXX XXXX for an apartment that i completed a full year lease and lived month to month for 3 months after completing my lease. I am not sure where the ridiculous amount of {$1700.00} came from because i did not have a balance at the time moving out in XXXX of 2021. The collection is hindering me from being approved for things and has caused me hard ship. The item has already been removed from my XXXX credit report and needs to be DELETED from my Equifax report.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Collection Account on My Credit Report Dear Sir/Madam , Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report : XXXX XXXX XXXX Account Number : XXXX Amount : {$800.00} Date of Account : XX/XX/year> I did not authorize this account and do not recognize the mentioned debt. I request that you investigate this account and remove it from my credit report as soon as possible. 
In accordance with the FDCPA, specifically Section 809 ( 15 U.S.C. 1692g ), I request validation of this debt. Please provide me with verifiable proof that this debt belongs to me. 
I appreciate your prompt attention to this matter and look forward to your response in accordance with the FCRA and FDCPA.
Product: Debt or credit management

Inadequate customer service and unfair practices. Failure to reasonably reinvestigate disputes.
Product: Money transfer, virtual currency, or money service

My account was restricted by Coinbase in XX/XX/year>. I reached out to their customer services three times asking what I can do to help restore my account. Each time, they would ask me to provide some documents, which I promptly did. What followed next was always that they simply closed my ticket without any explanation. All I could do was to call in again only to be informed that the customer service representatives had no knowledge of what happened. 

I also submitted a complaint to Coinbase which was never answered.
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 XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : 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 XXXX XXXX Account Number:XXXX  has violated my rights. Or a 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 or other personal consumer reports

I do not agree with the item below, which continues to appear on my credit report even after your investigation. I would like this item to be reinvestigated immediately. This incorrect information is very detrimental to my credit score. 

XXXX XXXX XXXXXX/XX/2023 The following inquiry was not authorized and should not be reporting.
Product: Credit reporting or other personal consumer reports

Recently I looked at my credit report and I noticed several inaccuracies on one of my accounts. This account is reporting inaccurate Information. This account is reporting as a charge off with multiple late payments. I was never late making a payment on this account. This also is reporting paid and derogatory, with different dates XX/XX/year>, and XX/XX/year>, for dates opened. I need this account deleted from my credit report expeditiously. 

Account Name : XXXX XXXX Account Number : XXXX
Product: Checking or savings account

PNC Bank is teaming up with XXXX XXXX to withdraw {$1600.00} from my checking account. I made a dispute on this and asked why I am not receiving the refund. PNC has no specific answer and just keeps saying it is valid. But I never authorized {$1600.00} for purchasing any item from XXXX XXXX. It is an online transaction. Further, PNC Bank is not trusting its customer when there is a dispute. PNC just tries to take the money and make it valid since it is a large transaction with a debit card. PNC and XXXX XXXX try to steal my money. On XX/XX/year>2024, there was an unauthorized transaction from XXXX XXXX XXXX XXXX. I never authorized the transaction. I am not familiar with the merchant at all. I did not possess my debit card when the transaction happened. I recently lost my debit card and license. Someone used my identity and debit card information for several purchases. I contacted PNC Bank and asked them to refund my money since the transaction was not authorized. But PNC is unable to resolve the issue for retrieving my {$1600.00}. PNC is not helpful when XXXX XXXX deceives and keeps charging me {$1600.00} through identity theft. This is unacceptable. It should be fixed and prevented. A foreign merchant should stop stealing property of the US Citizen without his consent. I changed my phone number since there were suspicious activities using my information. My new phone number is XXXX. Please call this number if you want to discuss this matter further. Thank you.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company informationTransunion. Please delete the following 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 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 or other personal consumer reports

My identity was stolen. From filing my taxes for 2023 to applying for car loans and credit cards. The theft created an XXXX XXXX  XXXX and XXXX account that's on my credit plus a slur of inquiries and other accounts that doesn't belong to me. I've attached my FTC report with details.
Product: Student loan

I went through bankruptcy with Sallie XXXX and yet the keep adding more money to the account and it has continued to negatively affect my credit after they told me it would be closed and was closed. It has been disputed and removed from my credit twice now and they have added it yet again for a third time years later. They acknowledged its a mistake on their end and yet they keep doing it.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen to open multiple accounts in my name. I have reached out to the debt collectors and made them aware of this issue and have only been more persued in trying to collect the debt that is not mines. I have asked the credit bureau to investigate and nothing has been done and these items are continuing to be reported on my report causing me financial harm.
Product: Debt collection

I am writing to formally dispute the accuracy of my credit report, specifically regarding late payment accounts that do not reflect the updated payment information and contain inaccuracies. Upon reviewing my credit report, I have identified discrepancies that require your attention and correction. 
Account Information : MARINER FINANCE , LLC XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
MARINER FINANCE , LLC XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I have consistently made timely payments for the aforementioned accounts, and there is a discrepancy between my payment records and the information reported on my credit report. The current report inaccurately reflects late payments during the specified months, which is not in line with my payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see the following list below which are companies that have requested Hard Inquiries without my knowledge or consent. I've reached out to each of the following as well as submitted disputes to XXXX   and Equifax with no result. I've asked and demanded that they submit proof of my request for a product or service and non of the companies have been able to furnish any results. I've also placed credit inquiry freezes on my credit accounts to prevent from this happening in the future. Please help! 

XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX Equifax XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Please provide proof that I submitted these requests, through what medium/channel they were submitted, and when. Otherwise, please remove these inquiries as they shouldn't have been there in the first place!
Product: Student loan

I believe XX/XX/2017 I started paying {$XXXX} monthly to this company for student loans which was supposed to be a public safety loan forgiveness program since I am in public safety. I have been over 2 years now which adds up just over {$1000.00}. I have been trying to straighten out my student loans and come to realize this company is fraud. I also see several other people have complaints against this company as well. I found this company through a family friend who thought it was credible. I notified my bank to not allow them to take anymore money out of my account from this point forward. I still have emails and text messages from them since day 1. I was advised to just cut ties with them and not attempt to call them when I was talking to XXXX and they also said that this company had an incorrect and low income amount for me and that I had a household of 2 which is also incorrect. They just emailed me to re-certify again through them which led me to cancel them. Just about all contact with them were via email. I am not sure what to do now and I hope this complain will resolve things with this fraud. I would hope to get some money back that I assume is just lost now but any help will be appreciated.
Product: Mortgage

PennyMac has violated the terms of my home mortgage by charging additional interest, applying payments first to fees rather than interest and refusing to provide an accounting even after a written RESPA request. They have made promises to provide an accounting, but have n't after a year. They have lied to me about how my payments have been applied and made false XXXX statements. I have contacted them in writing, by phone and by email over 50 times over the last year and they refuse to account for how my payments were applied to my loan. There is an estimate {$68000.00} in payments missing.
Product: Credit reporting or other personal consumer reports

I am in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated, there are items on my credit report that have resulted from fraud and I never benefitted from it. I have already reported this to the Federal Trade Commission but they are not removed from my report, this is causing me tremendous XXXX
Product: Credit card or prepaid card

I purchased 2 flights through XXXX XXXX using PayPal. I Cancelled all of the flights after Paypal chose to close my account ( with no explanation ) as I feared they would cancel the flights and I would be left stranded- so I rebooked seperately. After I cancelled, I received a refund email from XXXX XXXX ( attached ). However- there is no money back on my card or in my paypal account. Paypal Transaction IDs : XXXX XXXX {$13000.00} Paid and no refund. 

I performed a XXXX complaint and CFPB complaint against Paypal and their response was " On XX/XX/2021, the Merchant attempted to send two payments to your Account for a total amount of {$13000.00} ( Payments ) ; however, these attempts were denied due to the limitation on your Account. As a result, PayPal retuned the Payments to the Merchant and we are declining your request for reimbursement. We recommend that you contact the Merchant directly for further information regarding the location of your funds. '' This is incorrect. After this response, which tells me to contact the merchant, I spoke with XXXX XXXX via a XXXX and DOT complaint. The refund was sent to Paypal in full and I have attached documentation to support this. Paypal is either deliberately lying to the CFPB or isn't actually researching the information.
Product: Debt collection

Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. 
This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Name : NATIONAL CREDIT SYSTEM Account Number : XXXX Date : XX/XX/2018 Amount : {$800.00}
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/2023 XXXX XXXX XXXX/XXXX/2023
Product: Checking or savings account

I filled a report ftc and police report for identity theft. For the last 8 months I have tried to open up an account with navy federal and was not able I called them and they said I had an account which I never did. They did restrict all account access Im currently building credit and working towards getting loan approvals. They refuse to open me up a account even with the information I have provided
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account 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 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 reporting, credit repair services, or other personal consumer reports

I have submitted proof that my account with XXXX XXXX XXXX was paid off in full. Equifax continues to report the status as charge off when I have submitted documentation on 3 separate attempts that it is paid in full. They continue to say they will reach out to the institute and then update account. The institute has advised they have not been contacted and has sent me a receipt multiple times of which I will also attach. the account needs to be updated as paid in full
Product: Checking or savings account

I opened a Tradestation account with promo code XXXX and confirmed with an agent it was attached to my account. I fulfilled all required activities but did not receive the bonus.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX stated my account with XXXX ( XXXX- card service ) ending XXXX was properly investigated multiple times over the past 7 months, however how is this possible when the closed date is still inaccurate, payment status is inaccurate, payment status is inaccurate and last activity is inaccurate. 
The inaccurate information is a cause for removal, Equifax also violated my rights under ; 15 U.S.C. 1681 SECTION 602A. States I have the right to privacy.

15 U.S.C 1681 SECTION 604A SECTION 2- also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies in my personal information and request corrections and updates to my credit report pursuant to Section 611 of the Fair Credit Reporting Act ( FCRA ). After reviewing my report dated XX/XX/year>, I identified the following discrepancies : 1. Name The report incorrectly lists an alternate name that I do not use : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached to this complaint is a letter from XXXX XXXX for XXXX XXXX, XXXX, and Equifax review. XXXX XXXX was unable to verify the accuracy of bankruptcy case number XXXX. XXXX XXXX is requesting for XXXX XXXX, XXXX, and Equifax to immediately review the attached letter to this complaint and delete and remove the public record of bankruptcy case number XXXX from my XXXX XXXX, XXXX, and Equifax credit report. Full Name : XXXX XXXX XXXX, XXXX : XXXX XXXX XXXX XXXX
Product: Mortgage

I contacted Suntrust Bank on XX/XX/2018 asking them to not pay my property taxes out of escrow since I had a contract to sell the house. They confirmed they could stop it on that day. 
The next day they took the money from my account in direct conflict of what I asked When I called back, I was told they could not stop the debit in time and {$2100.00} was taken from my account on XX/XX/2018. 

It is now three weeks later and the payment has not been sent to the tax authority. In other words, Suntrust Bank took my escrow money, did not pay the taxes and is refusing to reimburse me.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after my Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
The following inquiries were not and should not be reporting : 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