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

This is XXXX XXXX, who is submitting this CFPB complaint myself. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by TransUnion. Despite sending them letters for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted 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. Please remove the following accounts below : ( XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX )
Product: Credit reporting or other personal consumer reports

Per 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( 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. 

I, hereby opt out of all third-party companies of consumer reporting agencies such as Experian, XXXX and XXXX to disclose information such as my student loan and credit card information such as : XXXX XXXX XXXX XXXX  Account Type XXXX Student Loan XXXX XXXX XXXX  Account Type XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Type : Open Account XXXX ) XXXX/DEPT OF ED Account Type : Student Loan I have not given them full authorization to disclose any of my information of student loans. Please do immediately remove all student loan and credit card accounts listed on non-affiliated third party companies of Experian, XXXX and XXXX Per 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( 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 Thank you for assisting me on this crucial request and I hope to hear form you within 4-10 business days.
Product: Credit card

My Uncle and I opened a Bank Of America credit card last year. Bank of America mailed out new credit cards without advising us. They said the cards went out activated. They said the cards must have been intercepted per Bank Of America 's customer service representative. Fraud charges were charged on the card, they all but accused us od doing it. The person that did the fraud was able to make charges, make fraudulent payments and charges in another country. Bank of America did not do their due diligence in protecting the account and our information. They also sent info to the credit bureau closed due to fraud by credit grantor which made it look like we did the fraud. So after all of this they are telling us they closed the account and we would have to reapply for a card. This should be illegal, so if they deny the credit card being reopened it 's negative and if they open it it 's a ding on our credit report. We should not be penalized for this. I am not going to ra apply, we should just be issued another card and we should be able to close the account not them. They punished us the customer for something we did not do. This is less than a bank and I believe the fraud is an inside job. Too much happened on the account for it to be an outsider. Please help us resolve this issue.
Product: Checking or savings account

On XX/XX/22 I received several new emails from Wells Fargo, stating that I had applied to open a checking account and it was approved in my maiden name. XXXX XXXX my current name is XXXX XXXX for the last 25 years. The other emails were about starting online banking how to sign up, and another email was about changing the email on the account. 
I called Wells Fargo and they did confirm that an account was opened today. It was a checking account with a zero balance. The account was frozen while they investigate it. I did fill out a police report, and call the credit bureaus. I also notified several of my Banks. And placed it alert on my credit bureau accounts.
Product: Debt collection

Having financial hardship after XXXX, I fell behind on my XXXX credit card. When I became financially sound, I negotiated a auto payment plan with XXXX 's collection agency. 

However, after a year of auto payments, unknown predatory collection company LVNV Funding LLC bought the debt and demanded I pay the debt in full, or they were going to sue me. 
I called XXXX and said the debt was discharged. 

LVNV harassed me for years by calling my home and work multiple times daily without providing invoices of my credit card transactions. Then, this XXXX I was wrongfully sued by a predatory law office XXXX who works for LVNV. 

After doing research, I discovered that these two company prey on working class citizens in Louisiana. So, I thought I was being scammed. 

Because I ignore the law suit and could not explain my case in Civil Court, the judge ruled in their favor. To make matters worst, Since my hands were tied, I spoke to XXXX at XXXX and told her I could negotiate after the Holidays. She ignore my request and started garnishing my wages for $ XXXX for a {$3500.00} initial debt. Now, I owe over {$8000.00} and counting. I am embarrassed to go to work. 

Because I can not pay all my monthly expenses ( mortgage, car, utilities, college tuition, medication for XXXX now, I my have file for bankruptcy. My credit score is almost 800.
Product: Checking or savings account

Ally Bank is committing illegal activity by freezing my account and not giving me access to my funds. I have not been able to access my account now for over 2 weeks. I've called Ally over a dozen times within the last 2 weeks and spoken to a lady named XXXX in the fraud department. She has been extremely rude, hung up on me, and given me zero information why my account has been frozen. Even though I've verified my account and identity over 50 times when calling in to Ally. I've asked to speak to a supervisor who never returns my calls. For 2 weeks now I've needed to pay employees, credit card bills, and rent and can not access my funds to do so. What Ally Bank is doing has to be illegal. I understand that they can briefly freeze an account until it's been verified. But it can't be legal to do now going on over 2 weeks when the account and transactions have been verified over 50 times. At this point my only options seems to be to file a lawsuit for damages. But I thought I would reach out to the CFPB before doing so. 

Ally Bank used to have the best customer service of any bank out there. In the last few years, it has become the absolute worst. All I want to do is get my money out and close my account with Ally. And inform other people that Ally will hold their money XXXX. What appears to be happening is I have been withdrawing money to other accounts because I'm getting ready to close my Ally account. Ally clearly doesn't want this, so they've marked my account as " fraudulent '' in an attempt to keep my money in their bank. Because they can't give me any information on why it was flagged as fraudulent, give me any time frame on when I will be able to access my account, or unfreeze the account after multiple verifications by myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX, XXXX and TransUnion has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity, I believe it was reporting in error. Here are the list of accounts that I want to correct as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX shown on my credit reports ( XXXX ) has been given to XXXX XXXX. XXXX has sold to this company and shared pertinent information that belongs to me. Please have each XXXX, XXXX, and Experian remove this negative item from my files
Product: Debt collection

I received a letter from the TRS Recovery Services saying I have a debt with a company I am unaware of. I have recently been a victim of identity theft and think this is connected. Please let me know if you need additional information. My reference number is XXXX.
Product: Vehicle loan or lease

About a year ago I filed a complaint with PNC Bank after they repossessed my car. PNC Bank admitted fault and fired an employee who had misrepresented PNC 's policies. I had prepaid a year in advance and payments and instead PNC had switched the payments over to a lump sum towards principle despite the fact that the payments were earmarked for monthly payments. I talked with PNC executives and they resolved the case, admitted fault and refunded me most but not all of my costs including damage to my vehicle and the mental anguish caused by PNC 's negligence. 

Once again after depositing nearly a Year 's amount of payments for my auto loan in the month of XXXX and despite having a record of automatic payments taken from my PNC checking account, PNC has sent the loan to collections. I attempted to contact the PNC executive who had handled my case before and she did nothing personally to resolve my issue. On top of this, my auto payments include late fees despite coming from a PNC checking account to a PNC loan account and I am missing statements which are made unavailable to me on the PNC online platform. 

I'm in fear that PNC will once again repossess my car. I am also worried that PNC is carrying out fraudulent activity targeting myself and others on a systematic level. I do not believe a normal banking practice to leave out various month statements. 

Over the recent years PNC has settled numerous class action lawsuits involving allegations of fraudulent activity. I believe I may be one of a class of victims who have been targeted by PNC 's auto loan department.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account Name : XXXX XXXX XXXX Account Number : XXXX, has violated my rights. 

Account Name : XXXX. XXXX, XXXX Account Number : XXXX, has violated my rights. 

Account Name : XXXX XXXX XXXX Account Number : XXXX, has violated my rights. 

Account Name : XXXX XXXX Account Number : XXXX, has violated my rights. 

Account Name : XXXXXXXX XXXX Account Number : XXXX, has violated my rights. 

Account Name : XXXX XXXX XXXX  Account Number : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED ACCOUNT DOES NOT BELONG TO ME. IT'S A REPORTING DEROGATORY ACCOUNT ON MY CREDIT FILE THAT'S BEEN CAUSING TREMENDOUS HARDSHIP ON MY CREDIT. PLEASE RE-INVESTIGATE THIS ISSUE AND HAVE THIS NEGATIVE MARK OFF MY CREDIT FILE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a debt validation letter and XXXX XXXX dispute letters explaining to the creditor that the fees assessed are incorrectly reported on my credit report. Please see attachment for the original lease agreement, security deposit deductions, and final account statement. These charges have been invalidated and are in accurate. Not only has the creditor failed to provide proof of the alleged damages, the charges do not match with the security deposit deductions provided with the original lease. Please also note that the reletting fee listed on the original lease does not match the final account statement.
Product: Credit reporting or other personal consumer reports

I am inquiring about Experian with the Deletion of XXXX XXXX XXXX, the account was deleted from my credit Report and experian Add it Back to report .I am Asking For a Fill investigation into fraudulent of Experian credit reporting Adding and Deletion of accounts ( Paperwork will be submitted ) XXXX XXXX is reporting inaccuracies is in violation of my consumer FCRA Rights -5 U.S.C151692c XXXX XXXX XXXX XXXX
Product: Debt collection

Im a XXXX XXXX  XXXX XXXX and I woke up on XX/XX/2023 to an alert on my XXXX consumer report from Credit Control Corp. I called company at number listed and requested from the lady that they forward to the address they had, all relevant information relating to this matter to include the original contract from day XXXX with my wet signature and a full accounting of the amount claimed owed and how it was calculated, and it must be reviewed by an attorney. Ive previously had my identity stolen and Im not about to be bullied by a third party collection company who Ive never had ANY business dealings with. They wanted me to verify my SSN and I flat out refused.
Product: Credit reporting

There are XXXX accounts in collection the problem is i never have had XXXX phone service nore have i ever applied for any type of credit with them.
Product: Credit card or prepaid card

I recently applied for an American Express XXXX card but my application was declined because American Express cancelled your previous account ( s ). 

The cancellation did occur, but it was so long ago that it has fallen off my credit reporting and is no longer meaningfully relevant to my credit history. I called Amex to clarify when I might be eligible to be approved for another account. The representative was not able to provide this information. I asked how long this blacklist lasted. The representative could not respond. 

Im not providing information to me, American Express is not being clear and transparent with its credit approval policies and is not giving me the opportunity to redress past concerns which might be adversely affecting my credit availability.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase bank provides a service for me to see my credit score, but at the moment is showing no data. I recently failed a credit check to acquire a service ( internet ) and when I asked my bank what to do about it, they said they really didn't know what to do. I have had a credit card with them for over a year and I don't understand why is it that the website reports no available credit score, even people without a credit card have a credit score ( even if it's low ). Maybe this problem comes from Bureau sites not having updated information about me? Chase works with XXXX  to show me a credit score number, but I think is the banks responsibility to provide them updated information about my credit usage
Product: Money transfer, virtual currency, or money service

I received an unsolicited Cash App card in the mail stating I should activate the card. There is an account number, CVV number and expiration date. Each time I attempt to contact the customer service number, XXXX, I receive a message there is high call volume and no one is able to answer. I want to cancel this account and am now going to resort to sending a letter to Cash App in XXXX XXXX, CA asking them to close the account due to fraud. 
I reached out to Square as they are the parent company and I was told I must contact Cash App directly, which so far has been impossible. 
Via an internet search, I see this is an ongoing problem which they ( Cash App ) should be forced to fix, especially for fraud.
Product: Debt collection

Get the accounts result of ID-Theft off my credit report now! Other bureaus fixed it, and even the creditors agreed they're fraud. Stop damaging my credit or face legal action. Investigate, remove, and give me written confirmation no excuses! XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Please DELETE.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries have been reported fraudulently. 

XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX/XXXX XXXX Inquiry date : XX/XX/XXXX US SM BUS ADMIN ODA Inquiry date : XXXX  XXXX, XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i tried to sign up for a credit card on the XXXX of XXXX and they did a hard inquiry on the XXXX as well. 
and some factual data ones i dont reconize at all on XX/XX/XXXX and XX/XX/XXXX that i didnt do as well ill send a screen shot of the ones in question that was done
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

On XX/XX/XXXX, I entered into a contract with Prestige. On XX/XX/XXXX the vehicle involved in an accident. On XX/XX/XXXX, XXXX XXXX XXXX assumed responsibility for the accident. XXXX totaled the vehicle out under claim XXXX. On XX/XX/XXXX, I provided XXXX XXXX with information for my GAP and also contact information to cancel the warranty that was purchased for the vehicle. On XX/XX/XXXX I received an email from XXXX XXXX advising that they has released a check for Prestige and that they should receive it within 7 days. On XX/XX/XXXX, Prestige received a check from XXXX in the amount of {$16000.00}. They also received a check on XX/XX/XXXX in the amount of {$3100.00} from my GAP insurance. After the application of the Insurance payment from XXXX and the payment from GAP, that left a balance of {$1300.00}. On XX/XX/XXXX, I began receiving emails from XXXX XXXX at Prestige. I again informed XXXX that a claim had been submitted to cancel the extended warranty and those funds would be coming from the auto dealer and that it would cover the balance. After going back and forth with the XXXX XXXX XXXX and Prestige, I contacted the extended warranty company myself on In late XX/XX/XXXX and submitted the claim that both claimed to have made. The claim was approved and payment was refunded to the XXXX on XX/XX/XXXX in the amount of {$1300.00}. XXXX XXXX XXXX did not send the payment to Prestige until XX/XX/XXXX. During this time, Prestige began charging me interest on monies that was confirmed to be refunded. Once the refund from the dealer was applied, the balance on this account was {$10.00}. I never received a bill for the balance of {$10.00}. Prestige submitted to the Credit Bureaus, stating that the account was charged off and had no history of on time payments which has hurt my credit. They have also reported that the balance is {$180.00} which includes the balance of {$10.00}, interest in the amount of {$150.00} and fees in the amount of {$18.00}. On my XXXX  credit report it shows that this account was closed on XX/XX/XXXX which is before I even had this account.
Product: Debt collection

On XX/XX/2021 PORTFOLIO RECOVERY ASSOCIATES was contacted through certified mail regarding a corespondence of an attempt to collect a debt in the amount of XXXX ( partial account # XXXX ) The original creditor XXXX XXXX was also contacted by certified mail letter in regards to disputing alleged debt. Portfolio Recovery Associates as of todays date XX/XX/2021 has never responded to written corespondence disputing this debt and a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I asked Portfolio Recovery Associates to provide me with competent evidence that I have any legal obligation to pay this debt buyer. Meanwhile XX/XX/2021 Original creditor XXXX XXXX sent a response stating that the alleged debt I was referencing was sold to Portfolio Recovery Associates. I did not consent to any sale of any information between Portfolio Recovery Associates and XXXX XXXX. I was not aware of any exchange of information between these two entities. After written corespondence was sent to Portfolio Recovery Associates I began recieving several harrasing phone calls multiple times of day to my personal celluar device from Portfolio Recovery Associates threatening " legal paperwork needing to be served upon me at my home or place of employment ''. I do not owe or have any obligations to pay Portfolio Recovery Associates any monies realted to any alleged debt.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My identity had been stolen many times, and I had to replace my first name with a new name, but it was not enough to keep my info safe. Still, I have an Open free account with XXXX XXXX XXXX, and I always receive XXXX XXXX Alerts and other Alerts from them, the last alert was about my Credit Card. My credit report shows that I have 5 inquiries that I have not authorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX  XXXX