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

( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. the addres
s XXXX XXXX XXXX XXXX XXXX fl not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


TransUnion Name : 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 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, credit repair services, or other personal consumer reports

To Whom It May Concern On XX/XX/2020, you alleged that you " verified '' a bankruptcy because it matches an address that I've never lived at. You also claim that it is verified because of the last 4 digits of a social security number. You cant verify someone with 4 out of 9 digits of a social security number. 

Since youve already conducted your investigation I am requesting proof that you have investigated this matter and the people youve spoken to directly. I also need signed documents and anything with my ACTUAL address on it. Otherwise, you are lying about an investigation and violating my rights under the FCRA. 

You mentioned you obtained this incorrect information from Pacer. I created my own Pacer account and discovered the case number you have on my report with Pacer has someone elses address. Pacer says this account belongs to XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX. I keep providing proof that my address is XXXX XXXX XXXX XXXX XXXX, AL XXXX. Also, Pacer does not give the entire social security number. It just says XXXX. How can you complete a thorough investigation in accordance to the FCRA when Pacer has someone elses address and doesnt have the entire social security? 

REMINDER : Simply typing in my name into a database that has inaccurate information is NOT an investigation. 

You did not conduct a thorough investigation. If you did you would know that there is someone in the XXXX area with the same first and last name as me who is XXXX and married. I provided proof of this and you ignore it for no reason. 
I am asking you to adhere to the law and provide me PROOF of an investigation. Meaning : People youve talked to and their contact information, documents with my signature, documents with my actual address. If you can not produce these documents than you MUST delete this from my credit report. 

According to FCRA Section 5 ( a ) ( i ) If after a reinvestigation of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency must : 1. Promptly delete that item of information from the file of the consumer, or modify that item of information to reflect the results of the reinvestigation ; Your investigation resulted in an inaccurate address and an incomplete social security number. You also never produced any documents with my signature or drivers license on it. 

Attached is a background site saying there is someone of a different race and marital status with the same name who lives at the alleged address Attached is my driver 's license with my actual address Attached is a bank statement with my actual address Attached is proof that Pacer has an address that isn't mine and an incomplete social security number Attached is a letter from Bankruptcy Court saying the information you have didnt come from them Attached is FCRA saying you must keep accurate and complete information
Product: Student loan

Sallie Mae is quick to charge me ridiculous rates for my student loans, putting me into massive debt, but they ca n't adhere to their own customer service policies. On their website, which is the only way to get information about them, it states the wrong phone numbers and wrong operation times. This makes it nearly impossible to pay my loans on time on a regular work day schedule. After an hour going through an automated phone message, which had no options for speaking to a representative, only by going through the " change address '' customer service number was I able to find out that they closed 8 hours prior to when the website says they 're open until.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 4 letters to TransUnion asking them to validate a bankruptcy with the associated accounts on my credit report. I have asked them to provide written contracts and any proof these are mine. To this date, I have not received anything from them and no explanation on how they " validated '' these are mine. I sent a letter on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/2020. Next I will be filing a lawsuit.
Product: Debt collection

Key 2 Recovery is attempting to collect on a debt that is invalid. I received a XXXX XXXX XXXX and they are collecting for a debt with XXXX XXXX XXXX. Yet when I called the Federal Student Aid phone number provided by an employee of XXXX, XXXX says there is no record of me in there system at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have incorrect information on my credit file as a result of identity theft:HARD INQUIRIES:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX(XXXX) XXXX-XXXX Requested On: Inquiry Type: XX/XX/XXXX, XX/XX/XXXX Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX (XXXX) XXXX-XXXX Requested On: XX/XX/XXXX Inquiry Type: Individual XXXX XXXX XXXX XXXX XXXX, FL XXXX (XXXX) XXXX-XXXX Requested On: Inquiry Type: XX/XX/XXXX Individual XXXXCOLLECTIONS:XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX  (XXXX) XXXX-XXXX #XXXX** Placed for collection: Responsibility: Account Type: Loan Type: XX/XX/XXXX Balance:Date Updated: Original Amount: Original Creditor: Past Due: $XXXX Pay Status:XX/XX/XXXX$XXXXXXXX-XXXX XXXX XXXX XXXX (Medical/Health Care) >$XXXX< >In Collection< Individual Account Open Account COLLECTION AGENCY/ATTORNEY Remarks: >PLACED FOR COLLECTION<Estimated month and year that this item will be removed: XX/XX/XXXX -----------------------------------------------------------------------------------------------------------------------XXXXHARD INQUIRIES:XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX (XXXX) XXXX-XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX (XXXX) XXXX-XXXX COLLECTIONS:XXXX XXXX Potentially Negative Account Name XXXX XXXX Balance $XXXX Account Number XXXX Balance Updated XX/XX/XXXX Account Type Collection Responsibility IndividualRecent Payment Monthly Payment Original Balance Highest Balance TermsOn Record Until$XXXX$XXXX $XXXX $XXXX 1 Months XX/XX/XXXXXXXX XXXX XXXX XXXX Collection Responsibility Individual Balance $XXXX Account Name Account Number Account Type Balance Updated Recent Payment Monthly Payment Original Balance Highest Balance Terms On Record Until XX/XX/XXXX $XXXX  $XXXX  $XXXX $XXXX 1 Months XX/XX/XXXX Date Opened Status Status Updated Payment History XX/XX/XXXX Collection account. $XXXX past due as of XX/XX/XXXX.  XX/XX/XXXX -----------------------------------------------------------------------------------------------------------------------XXXXHARD INQUIRIES:XXXX-XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX-XXXX-XXXX-XXXXXXXX XXXX-XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX-XXXX-XXXX-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX-XXXX-XXXX-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX-XXXX-XXXX-XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX COLLECTIONS:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX $XXXX $XXXX  XX/XX/XXXX UNPAID Balance DateAccount Designator Code Account Number Creditor Classification Last Payment DateDate of First Delinquency Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX-XXXX-XXXX-XXXX XX/XX/XXXX INDIVIDUAL_ACCOUNT XXXX XXXX Medical or Health Care XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

JPMCB I have written to this company multiple times, and I have written to all three credit bureaus, XXXX, XXXX, XXXX, and XXXX multiple times. For verification, and accuracy of this debt Also, the statue of limitations on the debt JPMCB has not, and will not respond to any of my correspondence, and none of the three credit bureaus will respond to me in writing, regarding the verification of this debt and the end accuracy of it along with the statue of limitations they are violating my FCRA rights
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my deep dissatisfaction and frustration regarding the repeated attempts I have made to rectify the ongoing issue of late open accounts associated with my account Despite my numerous efforts to resolve this matter, the problem remains unresolved, causing significant inconvenience and distress. 

The late open accounts issue has had a negative impact on my financial stability and credit score. I have faced undue stress and financial setbacks as a result of this unresolved problem, which should have been addressed promptly and efficiently. I have made timely payments and fulfilled all obligations on my end, and it is disheartening to see that my efforts have not been reciprocated. 

I am formally requesting the following actions to be taken promptly : Immediate correction of the late open accounts on my credit report to accurately reflect my payment history and prevent any further damage to my credit score. 
A written confirmation of the resolution, including the date when the correction was made. 
An apology for the inconvenience and stress caused by the repeated failures to address this issue in a timely manner. 
I understand that mistakes can happen, but I believe it is only fair that your company takes responsibility for its errors and takes the necessary steps to rectify them. I trust that this matter will be resolved promptly, as it is in both of our interests to ensure the accuracy of my credit report. 

If my concerns are not addressed within the exact time frame from the date of this letter, I may have no choice but to escalate this issue further by seeking legal assistance or contacting relevant regulatory authorities. 

I sincerely hope that it does not come to that, and I look forward to a swift resolution of this matter. I am asking for your assisstance to correct these accounts in my credit file : 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: Mortgage

My name is XXXX XXXX and I currently live at XXXX XXXX XXXX XXXX and about 3 years ago I lost my job. Well I was concerned and call PNC which is my current mortgage holder, and asked them if I can apply for a loan modification. Well after the 5 time trying I hired a lawyer, XXXX XXXX, out of XXXX IL to help me work with the bank. Well I 've been paying the lawyer about $ XXXX {$600.00} a month, because that is what he required, to help me settle something affordable. Well now I have sheriff 's coming to my home to evict me, without paperwork handed to me, social workers not willing to give me advise and the bank whom will not answer any of my calls. I have a wife with XXXX, my XXXX year old father-in-law, my daughter and her XXXX year old son. We have no date as to when to get out and again no paperwork or answers. I have tried calling PNC to see if I can rent out my home, nothing. i asked them where did the money go, nothing. I need answers please! We currently have the XXXX looking into XXXX XXXX to see what happen to all of my money that was supposed to go to fighting for our home. Then we find out it was sold, then sold back to the bank. No paperwork telling us what was going on and to top it off the lawyer never wanted to meet with us and or talk via phone, it was always " text me '' WHAT? And now we are losing our home. Why wo n't PNC tell us anything? Please help. My account number for our PNC mortgage is acct # XXXX and my contact number is XXXX. When the sheriff 's came they never gave us any eviction notices, we did receive a default but forwarded that to the lawyer. Again I do n't know when the sheriff 's are coming back and me and my family are not ready for this. PNC is the worst and I ca n't believe after several attempts to try to work with them they tell me well you ca n't afford it!
Product: Credit reporting or other personal consumer reports

XXXX XXXX information about the account is inaccurate and they sold it to another Company ( Resurgent Acquisitions LLC ). I'm willing to pay at a negotiated fair price and for them to remove this from my credit report. I also need a written copy of removal from my credit report.
Product: Credit card

Around XX/XX/XXXX, i added three authorized users ( " XXXX '' ) to my american express platinum card. this is a service that used to cost XXXX to add XXXX XXXX. i got two of the cards on the mail, but never recieved the third card. I didnt have an urgent need for the card, so i decided to wait until the card arrived, but it never did. on XX/XX/XXXX, I finally got tired and called to get a replacement. The replacement card got delivered to my apartment on the XXXX. However, when I tried to activate it on the XXXX, I received an error message. I called in, and I was told the card had been cancelled, since the XXXX 's social security was not added to the account. I explained that I didn't have the card yet, and that I would not feel comfortable providing that until I had the card, and that no one told me I had to add the SSN soon when I called in. Amex informed me that the XXXX card had been cancelled, and that I would have to pay {$190.00} to get that XXXX added, since their policies changed. I had requested the XXXX with the previous policy, and never had the card delivered, it was cancelled on me, and now they are asking me to pay {$190.00} for an XXXX. When I applied for that XXXX the policy was different, but they are trying to apply the new policy on me. Since they did not provide the card on time, this feels like a bait and switch for them to now ask me to pay {$190.00} to add the XXXX they didn't deliver the card for.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

This issue is an existing problem which credit bureaus weren't able to resolve.. Their investigation did not fix the account. They said they have verified it but did not give details on how their investigation went.. Payments were sent timely on this account and was never late..CFPB step up and fix this error XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XXXX/XXXX/XXXX I submitted a dispute to Experian on the following items below. To this day Experian has not responded in a meaningful way or investigated the following issues on my credit report. Any claim to have investigated the issues is false since there has been no contact with me resulting from said investigations. Experian has violated the FCRA XXXX regulation. The following items in question should be removed from my credit report. This is a serious ongoing issue with them. 
The items in question are as follows : ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX DIVERSIFIED ADJST. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES CAP XXXX NA XXXX/XXXX/XXXX CAP XXXX NA XXXX/XXXX/XXXX COMENITY BANK/VCTRSSEC XXXX/XXXX/XXXX CONSUMER PORTFOLIO SVC XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX NOWCOM/WESTLAKE FINANC XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX FILINGS US BKPT CT IL XXXX XXXX/XXXX/XXXX BKPT CHPT XXXX DIS. 

COLLECTIONS RADIOLOGICAL PHYS. XXXX XXXX XXXX/XXXX/XXXX {$110.00} RADIOLOGICAL PHYS. LTD XXXX XXXX/XXXX/XXXX {$130.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX {$490.00} XXXX XXXX {$880.00} XXXX XXXX  XXXX {$570.00} XXXX XXXX {$970.00} XXXX XXXXXXXX {$10000.00}
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 XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX I looked at my Experian credit report XX/XX/year> and noticed some things are incomplete and inaccurate. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681i 5 the are supposed to do this ( 5 ) treatment of accuracy of inaccurate or unverifiable information.

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generall, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or or has reasonable cause to believe the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made an online payment of {$80.00} on XX/XX/XXXX to my line of credit with Bank of America ending XXXX using my checking account at Bank of America ending XXXX, the payment was not applied correctly and I have been calling many times in order Bank of America make the correction and not succeed. I have been paying same way since XX/XX/XXXX with not problem till now, Bank of America is reporting negative information to credit bureaus hurting my credit scores. Bank of America did withdraw the money from my checking account on XX/XX/XXXX and they are not giving me any solutions.
Product: Money transfer, virtual currency, or money service

BlockFi has frozen withdrawals from their platform since XX/XX/XXXX, citing their Terms of Service. While it may be the case that they have within their ToS that withdrawals can be paused, they are operating as a marketplace enforcing rules arbitrarily and to the benefit of their selected winners. 

They are custodians of assets owned by me. These assets are virtual currencies that are liquid in other marketplaces. Their decision to limit my ability to withdraw my own assets is anti-market behavior. Meanwhile, news sources report that select individuals and organizations have been able to withdraw their assets. This is selective enforcement. 

I am unable to take possession of, transfer, and change the denomination of these assets owned by me solely because of BlockFi 's decision to pause these activities in the name of shoring up their own business. This is against the public interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent letters to Experian, XXXX, and XXXX For a dispute request about items on my credit report that were not accurate. I sent them a second letter on XX/XX/2020, with a 30 day demand to comply letter because I did not hear anything within the first 30 days. It has been over 30 days and I have not heard back from Experian, XXXX, or XXXX on these matters.