23daVinci/CFPB_Complaints huggingface dataset:
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. 

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 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 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 issued a refund on XX/XX/XXXX for a returned item on XX/XX/XXXX back to PayPal in amount of {$180.00}. Paypal isnt acknowledging refund issued out back to return. Ive uploaded emails and confirmation from XXXX showing proof.
Product: Money transfer, virtual currency, or money service

I transferred {$850.00} to my Fiance in  XXXX ,  XXXX  on  XXXX   XXXX ,  2017 an d I tracked transfer which was picked up in Colorado, USA! Nowhere near  XXXX !  Western Union just gi ves me the run around but is no help at resolving the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a follow up to my original letter dated XXXX XXXX regarding an inaccuracies in your credit reporting, regarding the entry being reported under. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never had XXXX   XXXX never had XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX repo XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXX In response I received a letter from them in XXXX? I wrote them a letter in English. 
By not replying in a timely manner ( BY SENDING THIS LETTER IN A FOREIGN LANGUAGE I DONT UNDERSTAND! ) to my initial letter on you have not only violated federal law, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting.. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non- compliance. 
I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance..
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

" " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. '' '' "
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3700.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$570.00} XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

For the second time in less than a month, using the goprogram.com website and app, used the ATM locator and per the cardholder agreement ATM withdrawals from the XXXX network are considered fee free withdrawals as they are in network. Using the app on XX/XX/20, showed location at XXXX XXXX XXXX XXXX in XXXX, AZ as in network location. Made withdrawal at the location and have the physical receipt showing XXXX at the top, yet was charged out of network ATM withdrawal fee. This is second time company has illegally charged out of network fees for using in network ATM and then refused to remove the fees in a timely manner. The first instance took over 3 weeks to resolve after first CFPB complaint. In both instances, representatives then proceeded to illegally " steer '' me, the client, to a bank teller to make withdrawals since the fee dropped the balance below the min. withdrawal amount of XXXX allowed at in-network ATM 's and be charged another fee for teller assisted withdrawal. In both instances company notified on day of illegal fee being charged but not resolved for weeks. Practice is becoming a willful violation of cardholder fee agreement.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : - XXXX XXXX XXXX  XXXX Balance : - XXXX XXXX XXXX XXXX XXXX XXXX : - XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX XXXX XXXX XXXX : {$550.00} XXXX XXXX XXXX XXXX Balance : {$310.00} XXXX XXXX XXXX  XXXX Balance : {$3800.00} XXXX XXXX XXXX Inquired XXXX XXXX XXXX XXXX 2023 XXXX XXXX XXXX Inquired on XXXX XXXX XXXX 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( XXXX ) days late on the XXXX  partial account number XXXX. ( Please see pages attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX Account number : XXXX XXXX Account number : XXXX XXXX Account XXXX : XXXX XXXXI Account number : XXXX XXXX Account number : XXXX XXXX XXXX  Account number : XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number : XXXX has violated my rights. 

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

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Credit Report Information and Request for Blocking Under FCRA 605 ( b ) Dear CFPB Team : I am writing to formally dispute inaccurate information on my credit report and to request the immediate blocking of this information pursuant to FCRA 605 ( b ). This provision requires that inaccurate, fraudulent, or identity theft-related information be blocked from my credit file when supported by proper documentation. 

The specific account ( XXXX ) in question include : * XXXX /Account : XXXX This information does not belong to me and appears to be the result of identity theft or an error in reporting. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to protections that safeguard my credit report from inaccurate or fraudulent entries. Specifically XXXX. FCRA 605 ( b ) : Blocking Information from Identity Theft * CRAs are required to block disputed information if a consumer provides : * Sufficient proof of identity, and * A clear statement identifying the disputed information. 
* CRAs must block the information within four business days of receiving the required documentation. 
XXXX. FCRA 611  : Procedures foXXXX Resolving  Disputes * This section mandates that CRAs investigate disputes within 30 days and delete unverifiable or inaccurate information. 
XXXX. FCRA 609 ( e ) : Requirements for Identity Theft Victims * Consumers are entitled to access the fraudulent account details upon request. 
* I formally request the following : XXXX. The immediate blocking of the disputed information under FCRA 605 ( b ). 
XXXX. Confirmation in writing that the disputed information has been removed and will not reappear on my credit report. 
XXXX. A revised copy of my credit report reflecting these corrections. 

Please note that failure to comply with the FCRA could result in penalties, including statutory damages, punitive damages, and attorneys fees. I trust that the CFPB will ensure my rights are upheld and that this matter will be resolved promptly. 

Thank you for your prompt attention to this urgent matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been patiently waiting on Experian 's response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the public record reporting on my Credit Report : ( XXXX XXXX  Bankruptcy # XXXX XXXX-Discharge )
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), a collections account opened at XXXX XXXX XXXX on XXXX, XXXX under the account number ( private ), and a collections account opened at XXXX XXXXXXXX XXXX on XX/XX/XXXX XX/XX/XXXX with a balance of $ ( private ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report.. I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Student loan

On XX/XX/XXXX, my account was placed on forbearance without my authorization. 

No letter was sent to my email. The only notification was buried in my online account messages on their website. 

The last email I received from them was on XX/XX/XXXX regarding my Auto Debit notification/confirmation. 

I recently submitted a Public Service Loan Forgiveness certification, but the form submitted did not request a forbearance, just to credit the time to my account On XX/XX/XXXX, my loan due date, I checked my checking account and saw no pending or cleared payment. That is when I logged into their website and saw {$0.00} due and no payments pending. I dug around and found a message in the message box ( the message box showed no messages ). In the box I found one message that looked unopened. This is where I found out about the administrative forbearance. So, I called MOHELA and spoke with XXXX # XXXX when their office opened. I asked why my loan was placed in forbearance without my authorization. I was told the accounting team believed they had miscalculated a number of people 's payments due, and rather than charge the amount due shown ( possibly less than what is due ) and sort out their mess and consult people, they placed all those accounts in forbearance without any authorization or notification. 
XXXX # XXXX submitted a request to remove the administrative forbearance ( takes 5-7 business days ) and advised me to make a manual payment online today. By doing that, this month would hopefully count towards my Public Service Loan Forgiveness and by next month the auto pay should work again. But that is dependent on their accounting team sorting out their math issues by next month. When I repeated for clarification exactly what they had just done to me and a number of other people, XXXX # XXXX did state very clearly that MOHELA made the request to place my account into forbearance, without my authorization and without consulting me. It was MOHELA that made the request, not me. 
I made the payment online and got a receipt online that I downloaded, but I had to wait nearly 6 hours to get the receipt emailed to me. Then, at XXXX ( PT ) XX/XX/XXXX, I finally received an email from MOHELA telling me my account was placed in administrative forbearance. Just more proof they did this without my consent.
Product: Mortgage

I am authorized to handle the business for two loans recently paid in full where the mortgage account is in the estate of my father and stepmother. The escrow refund checks were made to the estate and sent to me. We no longer have an estate account closing the estate in XXXX. I asked Nationstar ( now Mr. Cooper ) to deposit the funds directly into the checking account used to pay the mortgages for both loans. This request was denied. I was never told it was denied until I called inquiring why the transfers were not completed. I was then told to resend the power of attorney document showing I was authorized to conduct business for the two loans. A company representative sent me an email on XX/XX/XXXX stating the information was received and the original checks would have stop payment and new checks would be issued in my name in 3 to 5 business days. I called today XX/XX/XXXX to check on the status and was told by a different representative she didn't see where the power of attorney was received and we could start the process all over again to get new checks. Please note that I sent this power of attorney document to this mortgage lender 1 to 2 years ago to gain access to the loans for conducting business. Also note the first loan was paid in full in XX/XX/XXXX. I am still waiting to close out the escrow account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has a " hard '' credit inquiry dated XX/XX/2016 still listed on my Transunion credit bureau report. 

According to the FCRA ( Fair Credit Reporting Act ), passed by Congress, all inquiries older than 2 years old on a consumer 's credit file, must be deleted by the credit bureau.

I have contacted both XXXX XXXX XXXX and Transunion credit bureau to have them remove this inquiry from my credit bureau credit report.
Product: Credit reporting or other personal consumer reports

I requested, via a signed and notarized letter sent certified mail, the original bill of sale from the debt seller, The name and address of the original creditor, the account number ( XXXX ), and the amount owed. 
Verification that there is a valid basis for claiming I am required to pay the current amount owed. 
Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added, or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. 
Please also note whether this debt is within the statute of limitations and how that was determined. 
Please also cease and desist phone calls to my number, please only communicate with me in writing. 

All they sent me was their phone number * ( no answer ) and a final bill from the original creditor.
Product: Checking or savings account

On  XXXX   XXXX ,   XXXX   I deposited  5 checks to my account through the ATM at Bank of America. Three chec ks were issued by   XXXX   XXXX   XXXX  . The check in question was for {$2400.00}. At the time of deposit, my account was credited the amount of all  5 ch ecks.   On  XXXX   XXXX  Janus was presented wi th 2 of the 3 chec ks and paid.      XXXX  was not presented with the  3rd c heck until  XXXX   XXXX , which there records show they paid at that time.     On  XXXX   XXXX ,   XXXX   my account was depited for {$2400.00} with the explaination that when Bank of America attempted to negotiate the check with  XXXX   XXXX  that the check was not paid.     On  XXXX   XXXX  I reached out to   XXXX   XXXX   XXXX   XXXX  who told me the check was paid on  XXXX   XXXX . I requested they do more research, which they did.     Janus  XXXX   XXXX  states, the check was presented to them twice by Bank of America. Once on  XXXX   XXXX  and a second time on  XXXX   XXXX .  XXXX  states, they paid the check the first time it was presented but not the second because it had already been paid.     Although Bank of America presented the check twice they only credited my account once. On  XXXX   XXXX ,   XXXX   they debited my account {$2400.00}.      XXXX  facilitated a confernce call with Bank of America, a  XXXX  Representative, and myself to explain the check was presented twice to  XXXX .     I have spoken with  13 represe ntatives of Bank of America and one representative of  XXXX   XXXX   XXXX .     Bank of America has refused to credit my account back and leaving me in the negative {$2400.00}.     Please help me
Product: Debt collection

The debt collector contacted my son & daughter-in-law very soon after leaving message on my answering machine. I was already in contact with them, and told them I am contesting the validity of the debt. The debt collector has my current address and telephone number.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the Consumer Financial Protection Bureau seeking help in matters regarding my consumer report. I have sent letters to Experian, XXXX and XXXX in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under 15 US code 1681 and 15 US code 1681 ( b ) ( FCRA ).

I am aware that they each have 30 days to investigate my disputes and report their findings back to me. At this point I am feeling ignored and taken advantage of. In your definitions 1022.41 regulation ( V ), you clearly state what accuracy ( a ) and integrity ( d ) are. I know that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My right to privacy has been violated. 
I would like for you to investigate these inaccurate and false accounts on my consumer report and have them removed immediately. Please send an updated consumer report upon completion.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 2016 - I purchased a XXXX XXXX XXXX from XXXX XXXX. They promised me they could get me a better finance rate than I could get. I was in agreement that I wanted my loan to be financed by Capital One. I informed XXXX XXXX that I did not want XXXX XXXX. My loan with Capital One was approved. XXXX XXXX sold my loan without my knowledge or permission to XXXX XXXX because they could get more money from them than Capital One. This is per a XXXX XXXX employee. 

Supposedly, XXXX XXXX records their loan transactions. If this correct, you will see me and hear me saying several times that I do not want a loan from XXXX XXXX! 

I never had a loan with Capital One. Since I dislike XXXX XXXX, I refinanced with XXXX XXXX XXXX. XXXX had informed me that I could write a note on my credit report and disputed it. I told XXXX that I want my credit report to show that I did not have a loan with Capital One, and want it removed. Also, I want it said that XXXX XXXX sold my loan to XXXX XXXX. They said no because they can not say anything derogatory. Why bother to tell me I can dispute it and write a note? XXXX obviously lied to me. 

Furthermore, I never gave permission that XXXX XXXX could obtain my credit information and never authorized a loan with them. This needs to be illegal!
Product: Bank account or service

PNC Bank reports to credit bureaus that a checking line of credit is charged off. 
The account was paid in full, and the amount was also disputed from 2013. The account is paid in full, and PNC Bank can no longer report it as charged off, due to the fact that legally the term charged off is an IRS tax reporting issue, and the STATUS is now INCOME, and PNC is required to pay taxes on it. It is no longer charged off and it can not be reported as such to the credit bureaus. When the agreement was made with PNC to pay the DISPUTED amount, in full, PNC made direct promises that the account would be reported to credit bureaus as PAID IN FULL. Legally it is no longer classified as charged off.
Product: Credit reporting, credit repair services, or other personal consumer reports

have ftc report filed report # XXXXXXXX XXXX XXXX XXXX  account XXXX is being reported buy 3 credit bureau the collection says XXXX dollers please remove this item i request all paper work showing other wise