23daVinci/CFPB_Complaints huggingface dataset:
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. 
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 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: Checking or savings account

XXXX froze my account just hours after verifying identity and opening an account
Product: Mortgage

USAA XXXX LOAN XXXX I. Am 100 percent service connected veteran exempt from property taxes. I had the county assessor write a letter to the mortgage company verifying this but they are not honoring the letter. They continue to try to collect escrow property taxes from me and are not applying the mortgage payments I am sending every month.They state they have to wait for the second installment in XX/XX/XXXX from the county assessor to verify the exemption, and meantime they are reporting my loan delinquent to the credit bureau. I am paying my mortgage and insurance every month but they are holding it in suspense.
Product: Debt collection

I have no knowledge of this account. I requested original dates on when this account was open with signatures. They are stating this was recently open. I requested for original documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letter to Experian Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XXXX, 2022 and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Balance : {$510.00} XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$140.00} XXXX XXXX XXXX Balance : {$580.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Date of inquiry XXXX/XXXX/202
Product: Credit reporting, credit repair services, or other personal consumer reports

The creditor and Equifax and XXXX continues to report numerous of inaccuracies from derogatory remarks, made on the account, remove and then put back on updating the status on the account from current to past due, and the status of the account this needs to be removed or updated immediately without the derogatory remarks, or late payments
Product: Credit card or prepaid card

To whom it may concern, PNC bank claim number : XXXX. I'm writing this letter corncerning a claim i filed with PNC bank. On XX/XX/2018. I detected that my card was lost and has been used by an unathorized user. I immediately called PNC to file a claim on XX/XX/2018. After I filed a claim, i wasn't awarderd provisional credit after ten days and the bank said I should wait for 30 to 50 days for my claim to be completed. On XXXX XXXX, I called the customer service department again to check whether my check has been mailed because they said it was gone take 15 business days for it to be mailed. They also stated that my claim was valid and permanent credit of $ XXXXwas applied to my card. I also recieve a letter from the mail saying my claim was accepted. On XX/XX/2018, I called back to check whether my check was mailed and they mentioned to me that the escalition departmemt will take care of it within 3 to 5 business days. Furthermore, i ask the customer service rep can I go to the bank to collect and he said yes your funds are available at the bank since the check hasn't been issued. On XX/XX/2018, I went to the PNC at XXXX XXXX Ga XXXX and they said my account was blocked and they couldn't issue any funds to me at the time and I'll have to contact customer service for further details. When i contacted customer service, they transferred me to the fraud department and that's when they stated to me that my claim was approved and the money is in the account, but the account has been blocked, closed, and the funds will be uphold. They stated that the reason my funds were uphold was because I missed used PNC terms.I had never authorize anyone to use my card, and it wasn't my fault that all this transactions where authorized by the bank rather than blocking it. Had I knew somebody had access to my information, i would've called to block it immediately. Unfortunately, I'm having to go back and forward for something I didn't do. It was a couple of transactions and I hadly spend my money like that because I work hard for it. Also, a customer care agent said I could only recieve XXXX out of my claim money, which she cited from the notes she had on file after I left the XXXX branch XXXX ga. I also contacted PNC on Monday XX/XX/2018 and I spoke to a customer care agent whom said my claim was accepted, but it was a mistake. I was so frustrated that I had to request to speak to a supervisor because the information I was getting made no sense. When speaking to the supervisor, I explained all my problems, thats when she put me on hold to check on the notes. After checking the notes, she stated to me that she had sent it to the escalation department with urgency and she couldn't contact them directly because that department only responds by email and they dont have a phone number. She also stated that I could go to the any PNC branch and get the XXXX, when my claim was for XXXX. All this Information I'm stating was on a recorded line when I was speaking to them. I'll also attach a copy of the approved letter
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion on XX/XX/XXXX regarding hard inquiries. After reviewing my credit report I noticed that I had been a victim of their inquiry issue, where there were hard inquiries added to my credit report that I did not give authorization for. The customer service woman refused to listen to me and kept talking over me after she asked me a question. She told me I needed to contact the companies myself, which I explained to her that I already had contacted these companies. She then proceeds to tell me that if I do not contact the creditor there is nothing she can do. Transunion reinserted previously deleted information so why would I need to reach out to the creditor when this is their problem? 

These are the inquiries that are a problem ( along with many more ) : XXXXXXXX XXXX XXXX XXXX XXXX, National Credit Cards/Airlines XXXX XX/XX/XXXX, National Credit Cards/Airlines XXXX XX/XX/XXXX Finance XXXX XX/XX/XXXX, Bank XXXX XX/XX/XXXX, Bank XXXX XX/XX/XXXX Finance XXXX XX/XX/XXXX Finance XXXX XXXX XX/XX/XXXX Finance XXXX XX/XX/XXXX Finance  XXXX XXXX XX/XX/XXXX, Automotive XXXX XXXX XX/XX/XXXX Finance
Product: Student loan

FedLoan should have all Notes with the dates and the Reps I spoke to. In the beginning of the year I was going back and forth filling out different applications to get a low monthly payment plan. Apparently I accidentally applied to have no interest on my payments for 1 whole year. I said " Wow so I do n't even have to make a payment for a year '' THE REP SAID NO!! I specifically said to every single rep I spoke to I do n't want this to hurt my credit they assured me it would n't. The beginning of the year my credit score was XXXX now it is XXXX because of them!!! If they would have told me your credit is going to be affected, I would n't still been making payments. Now I ca n't purchase my own house like I was planning to XXXX XXXX when my lease is up at the apartment. Please please help me I need to purchase my own home immediately.
Product: Credit reporting or other personal consumer reports

I have been going on with my credit report and I have noticed that some of the accounts are reporting bankruptcy and has been reported frequently on my credit report. These companies now have used unauthorized third-party to do this. I have been requesting that these accounts and bankruptcy record be removed on my credit report.
Product: Credit reporting or other personal consumer reports

I've submitted proof of my time being incarcerated I've Dispute Unauthorized Accounts and Request for Investigation under 15 USC 1681 et seq. I am writing to dispute unauthorized accounts and inquiries on my credit report due to identity theft. I request an immediate investigation and correction of my credit file under the Fair Credit Reporting Act ( FCRA ) and relevant XXXX Code sections. I recently reviewed my credit report and discovered several inaccuracies that do not belong to me, indicating I am a victim of identity theft. The following accounts and inquiries are fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reason : Not opened by me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Not opened by me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Not opened by me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Not opened by me. 

15 USC 1681b ( c ) : This section outlines permissible purposes for accessing consumer reports. The unauthorized inquiries on my report violate this statute as they were not made with my consent. 

15 USC 1681g ( a ) ( XXXX ) : This section requires that I am provided with all information in my file at the time of the request. The existence of these unauthorized accounts and inquiries indicates that my file contains inaccurate information. 

15 U.S.C. 1028A : This statute provides for penalties for aggravated identity theft. The presence of fraudulent accounts and inquiries on my report suggests a violation of this law.

15 USC 1681b : Access to my credit report must comply with permissible purposes. Unauthorized access constitutes a breach of this section.

15 USC 1681 : The general provisions of the FCRA ensure the accuracy and privacy of consumer information. The fraudulent activity on my report contravenes these principles.

15 U.S. Code 1681c2 : This section specifically addresses the blocking of information resulting from identity theft. I request that you block and delete all fraudulent information promptly.Requested Actions : Conduct a thorough investigation into the unauthorized accounts and inquiries listed above.

Remove all fraudulent accounts and inquiries from my credit report. 
Send me a copy of my updated credit report reflecting these changes. 
Provide written confirmation of the results of your investigation and the steps taken to correct my report.
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 1. XXXX XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX U.S.C XXXX section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : Also states a consumer reporting agency can not furnish an 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 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 ) States 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 recently submitted a complaint against XXXX regarding erroneous billing and charges this week through the CFPB and requested to send the complaint to XXXX. XXXX emailed and said they were reviewing on Monday or Tuesday ( XX/XX/XXXX or XX/XX/XXXX ) but still no response to why they are stating deliquent payments when I have overpaid them 7 times the required amount I was awarded to pay. This morning, XX/XX/XXXX I received a notification stating that my credit had decrease by 3 points. When I went to view the reasons for changes it clearly states that now XXXX has increased by balance by {$2000.00}!!! Please review my account and make this stop!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On approximately XX/XX/XXXX, I awoke to a credit file alert with Equifax that my score had plummeted. I immediately checked my Equifax Monitoring Service and discovered a twice-disputed item had been reinserted as a collection on my files. Again, this collection agency, XXXX XXXX XXXX XXXX, had been deleted twice. First in the Equifax results page dated XX/XX/XXXX. Attachment of results included. And then again on XX/XX/XXXX. Attachment included. 

I did not make immediate contact with Equifax but waited until I was notified of this reinsertion with hopes that it was a mistake. It was not, at least on their part, as when I finally submitted a complaint regarding the Collection record, I was sent a result in absolute contradiction to the prior 2 resulting outcomes ; the item was to remain and additionally, updated. Sadly, I never received any correspondence ( s ) from Equifax to inform me of this negative and score-detrimental decision to report this item as absolute fact.

In the complaint, all documents I am providing you were sent via USPS tracking  with delivery signature confirmation. 

As Equifax has not informed me in any form within the 5-day requirement outlined by the FCRA, I believe the only absolute remedy to this situation is an immediate and permanent removal of the medical collection item from XXXX XXXX XXXX XXXX. My consumer rights, and Equifax 's disregard for my rights by not notifying me through proper means and without as much a certificate of accuracy demands this item be deleted permanently. Otherwise, my only other recourse would be through legal means. I may be one individual without any clout or power, but this kind of action on the part of Equifax is not only careless, but disregard for the procedures that govern this very agency 's actions. 

The previous dispute results accompany this complaint and I hope to get this resolved as quickly and efficiently as possible.
Product: Credit reporting or other personal consumer reports

I tried to set up an account with experian but i found that someone else had already signed up for an account and it sent a verification code to an email address i did not recognize. Alarmed someone else could have an account with this credit bureau, I immediately tried to call the help desk. 

Their phone system is manipulative and verifies all your info, but it does not matter because they will not take your call and send it to a representative to take care of it. They do not care about anything that does not give them money and do not care about the consumer or fraud or doing the responsible thing. Basically, the phone does not exist unless you are buying a product from them because you CAN NOT get a representative. Meanwhile I could be losing assets and fraud. 

I looked online and there are XXXX of people complaining about experians XXXX customer service and I believe this is a business strategy to maximize profits. 

I want to get to a representative to fix my issue, I can verify my identity and want access to my account on their website. However this business ( experian ) has maliciously decided to provide XXXX customer service and I believe this is illegal and they should be fined XXXX XXXX dollars because of the hundreds of millions of people they serve that they provide malicious business practices for
Product: Debt collection

Dept is paid off directly to collection agency. I need assistance notifying credit bureaus and original debt owners. 
And also XXXX duplicated collection accounts on my credit bureau file.
Product: Debt collection

Dispute-1 : Account Number or other information to identify account : XXXX Source of dispute information : NCA= National Credit Adjusters per XXXX XXXX XXXX . 
Type of disputed information : Category of disputed information such as public records information, unknown credit account Dates associated with item being disputed : Two calls from NCA on XX/XX/2020. 
Explanation of item being disputed : o My report includes accounts with a reported name that is different than mine : I notified NCA of this on XX/XX/2020. I spoke with Manager XXXX XXXX. I informed him of my concerns of fraud, and he refused to escalate the matter. I was told a man named XXXX XXXX would reach out to me. I never received a call. 

Dispute-2 : Account Number or other information to identify account : XXXX Source of dispute information : NCA= National Credit Adjusters per XXXX XXXX XXXX . 
Type of disputed information : Category of disputed information such as public records information, unknown credit account Dates associated with item being disputed : Two calls from NCA on XX/XX/2020. 


I am the victim of identity theft and I do not recognize XXXX or more of the accounts on my report. I contested this account when it was under a different creditor. They were unable to validate its legitimacy. Then it was removed, I do not know how they were able to sell its debt to NCA. But knowingly selling false debts is fraud and Illegal. 
Dispute-3 : Account Number or other information to identify account : XXXX Source of dispute information : NCA= National Credit Adjusters per XXXX XXXX XXXX  . 
Type of disputed information : Category of disputed information such as public records information, unknown credit account Dates associated with item being disputed : Two calls from NCA on XX/XX/2020. 

This account was originated by XXXX XXXX XXXX XXXX. After reviewing several sources these individuals have been under investigation for these types of Fraudulent acts by the FBI. This information should not have been allowed to be placed on my reports.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX. I made a transaction through Paypal for {$800.00} to be paid to myself. I called the call center to find out what needed to be done from my end to finalize the transaction. I learned that it was not the correct procedure for me to get the money. I did receive an email stating : " XXXX XXXX will receive {$800.00}. '' I had numerous call and chat conversations and no one knew how to get the process rectified. 
On XX/XX/XXXX, I filed a dispute, to get the money I paid. I received a response the stated : Since the problem was not a billing issue it's denied. I also received another response on the outcome from the dispute : " The outcome of the case was not in your favor. '' At this time, I still don't have the {$800.00}.
Product: Credit reporting or other personal consumer reports

Initially spoke on the phone with XXXX XXXX and they agreed to a deferment, only for them to report the loan as delinquent
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report as governed by the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 regarding civil liability for negligence and non-compliance. Violations : Pursuant to 15 U.S.C. 1681o, a credit reporting agency, data furnisher, or any entity that negligently fails to comply with the requirements under the FCRA is liable for damages. Specifically, I believe the following violations have occurred : 1. Failure to investigate disputed information within the required timeframe as per 15 U.S.C. 1681i. 2. Failure to maintain reasonable procedures to ensure the accuracy of the information as required under 15 U.S.C. 1681e ( b ). 3. Failure to notify me of an adverse action taken against me due to inaccurate reporting under 15 U.S.C. 1681m. 4. Negligent non-compliance, causing damages, including but not limited to financial loss, emotional distress, and negative impacts on my creditworthiness. Requested Action : I hereby request that you : 1. Immediately delete the inaccurate information from my credit report. 2. Provide me with a written explanation of your findings regarding this matter. 3. Compensate me for damages incurred, including any financial losses, emotional distress, and legal fees if applicable. 4. Provide a copy of all documentation related to this matter, including investigation records. Failure to comply with these requests within 30 days will leave me with no choice but to seek further legal remedies, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal action for damages under 15 U.S.C. 1681o. Please consider this letter as a formal notification and provide a written response to the above requests by XXXX. I expect full compliance in resolving this matter immediately.
Product: Credit card or prepaid card

XXXX, Excalation Support Manager, failed to recognize a system failure in charging my account a {$15.00} fee for transacting with a vendor associated with gamblingXXXX XXXX  This is a state-wide company that accepts credit cards. No notifications, warnings, fine print outlined that any charge with the merchant would yield an alleged " cash-advance '' fee. This is the first time ever that a transaction was made with this company. There was no professional curiosity, courtesy or understanding with this bank representative. He is the lowest of professionals in the financial services industry.
Product: Debt collection

nothing has happened its showing i owe the debt and it is charge that car was repo and already got paid off this is a third party that keep trying to still make me pay
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this statement to expunge the following information off of my profile. The items that I need expunged are already listed in the report. I'm a victim of identity theft and did not make these charges. I'm asking that these items be expunged so that my credit report can be up-to-date and correct. I've already reported to the Federal Trade Commission and printed out copies of my affidavit I would really appreciate it if these items get deleted expeditiously. This issue has been taking a toll on my health and the health of my son. I'm trying to purchase a vehicle so my XXXX son doesn't have to worry about catching XXXX. He also has a XXXX XXXX XXXX which he has to carry with him at all times this is very overwhelming for a single mother of XXXX and all I ask is that I can be assisted in any way to help my situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/1922 I checked my credit and notice that there was a inquiry from XXXX that I didn't recognize or authorize placed on my Consumer credit file. I have mailed XXXX a copy of a FTC report filed because this inquiry was placed on my file fraudulent.