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

In accordance with the Fair Credit Reporting act XXXX Account # 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

I reviewed the XXXX credit report I had ordered on XX/XX/XXXX and I saw an entry from XXXX/XXXX. I contacted XXXX   on XX/XX/XXXX, XX/XX/XXXX regarding my findings and demanded a Method of Verification/ Description of Procedure per the Federal Credit Reporting Act ( FCRA ) 609 & 611 as to how they conducted their investigation into the items were listed on my report.

FCRA 611 ( a ) ( 7 ) states : Description of reinvestigation procedure. Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

I received a response from them XX/XX/XXXX. It basically was their normal response. The information on this item has been updated. During this time per Federal law as listed in FCRA 609 & 611 they failed and or refused to tell me how they verified this. They provided no evidence to me at all even after I demanded the full scope of the investigation in my letter.

FCRA 607 ( b ) states Accuracy of Report ; whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. If Equifax has deleted it and I sent you information, then it is XXXX XXXX obligation to maintain accuracy. 

Per the XX/XX/XXXX CFPB Report the following are causes of credit file inaccuracies : Data and data entry errors, CRA file matching inaccuracies, CRA process errors, Identity fraud/theft, Time lags and furnisher system or process inaccuracies : Failing to permanently change records when a consumer successfully disputes an inaccuracy, with the result that faulty information is re-reported ; Undaunted by this I tried once again. I asked for the same information from the other two bureaus ( XXXX & Equifax ). XXXX nor Equifax didnt provide it. As I believe all of them are still using XXXX to verify when that has been ruled not to be verification. I also wrote XXXX/XXXX on XX/XX/XXXX and they never responded as well. With no response to me how is it that this is still verified. What were they getting that I wasnt that XXXX  refused to share with me the information that was in my credit file showing where they did a full credit investigation as I requested by law. 

All this correspondence I will be including for you as well. I am including the letter I had asking them to remove that as well.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the XXXX credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My information was exposed to a date breach by XXXX my information has been compromised. XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Equifax XXXX and XXXX are not doing proper investigating When I dispute accounts not mine they verify account that's not mines They fail to removed they threaten my housing and cost me to receive no lending
Product: Money transfer, virtual currency, or money service

I hope this message finds you well. I am writing to appeal the permanent limitation placed on my PayPal account with the email address XXXX. I strongly believe that this limitation was placed on my account by mistake, as I am confident that I have not violated any of PayPal 's policies. 

I have been a loyal and responsible PayPal user for several years and have always conducted my transactions with utmost integrity. I have never engaged in any fraudulent or suspicious activities that could warrant such a severe action. 

I kindly request that PayPal re-investigates my case and carefully examines the transactions and account activity that led to the limitation. I am confident that upon closer examination, you will find no violations on my part. I assure you that I always adhere to PayPal 's policies and guidelines. 

Having my account permanently limited has caused significant inconvenience and distress. It has also affected my ability to carry out essential financial transactions using the platform. I sincerely hope that you will consider my appeal and, if possible, restore my account to its previous status. 

I truly value the services that PayPal provides, and I am eager to continue using the platform for my online transactions. I am committed to resolving any issues that might have led to the limitation and ensuring that my account remains in good standing. 

I appreciate your time and attention to this matter and kindly request that you review my case at the earliest convenience. If you require any additional information or documents to facilitate the re-investigation process, I am more than willing to provide them promptly. 

Thank you for your understanding, and I look forward to a positive resolution to this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NV XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX XXXX Balance XXXX {$8.00}, XXXX XXXX XXXXXXXX Balance : {$6400.00} XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance XXXX {$320.00} XXXX XXXX XXXX XXXX Balance : {$8100.00} XXXX XXXX XXXX XXXX Balance : {$6400.00} XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NV XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX : {$320.00} XXXX XXXX XXXX Balance : {$8000.00} XXXX XXXX XXXX XXXX Balance : {$110.00} XXXX XXXX Balance : {$6400.00} XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Product: Debt collection

This company is knowingly contacting me in relation to a debt that is over the allotted time period by the fcra. The debt was not mine to begin with but I am aware that the debt is past the 7 year cutoff. They have no business contacting me for any reason whatsoever.
Product: Checking or savings account

Wells Fargo is scamming customers, as I posted on my XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX & XXXX XXXX : I write today on behalf of a citizen who is being cheated by Wells Fargo in the name of batching. 

Say I had {$100.00} I pay {$80.00} for an XXXX massage ( immediately deducted ) = {$20.00} I pay {$10.00} for a burger ( immediately deducted ) = {$10.00} I pay {$5.00} for a coke, and some candy ( immediately deducted ) = {$5.00} Now, an ATM will spit out more money than a person has if that option is elected. So, I take out {$200.00} from an ATM. 

= $ XXXX ( immediately deducted ) There is a {$35.00} penalty for going over one 's limit. 

= $ XXXX ( deducted next day ) That's not what the crooks at WF do. What they do is process the ATM charge first even though I already had the massage, ate a burger and bought the coke. Instead of $ XXXX here 's the number ( s ) they calculate. 

{$100.00} - {$200.00} ( over the limit, {$35.00} charge ) = - {$100.00} or {$130.00} next day Since they view my account as negative the other 3 charges will all trigger more charges. There is a '3 charges per day ' max. Instead of - {$230.00} which is what my account should be ... they will tell me that my account is - {$300.00} USD. 

The guy at the bank who helped me today was a trooper, and I have no problem with his approach. 

In the past, women have called me a liar to my face ... and let 's not forget sometimes they will lump in the previous day 's activity even though all the subtractions have been made. This means that I can be charged even more! Maybe people who steal money don't bother you, sir. 

I am calling for real time data conversion. A person should have a number, and when a legal authority removes money do it correctly, one time, right then and there. I understand that airlines often remove money, replace it, then remove it again later. I would ask that Wells Fargo returns money to the accounts of all members of whom they have stolen money. If I walked into Wells Fargo and stole {$70.00} I would be in jail right now, yet they are allowed to do it to me. 

There is one caveat which is that if a person goes negative, they have the right to take their money first. That argument falls flat because they have authorized and paid to others money that was there. If that's the case, they would be stealing from a vendor instead of me ... still, stealing ...
Product: Credit reporting, credit repair services, or other personal consumer reports

My social security number has been compromised and there has been several accounts opened under my name and social since XX/XX/2022. Theres a XXXX XXXX, XXXX XXXX and XXXX XXXX  credit card under the social security number provided to me for which is fraudulent and needs to be removed from my credit report. Someone has been using my name, social and address and Ive been in the XXXX  since XX/XX/2022.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXXXXXX XXXX XXXX XXXX Balance Owed : {$63000.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$63000.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$59000.00}.
Product: Credit reporting or other personal consumer reports

There saying that I was late on this account, and I was never late and this is is reporting innacurately on my credit report which is killing my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Based on my Reports : Equifax is showing incorrect and old balances that have been now reduced and zeroed. Based on my information on my credit report. Dates shown as of XX/XX/23 all my credit card balances for the following credit cards : XXXX XXXX XXXX XXXXXXXX XXXX XXXX- XXXX XXXX BALANCES ARE REDUCED AND SHOULD REFLECT what the other bureaus are reflecting to consumer rights. It is affecting my credit usage heavily which is much lower than what Equifax is showing. 
Please correct the information and balances to be correct and current. 


Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to abuse consumer rights as stated by FCRA law by placing fraudulent information on consumers credit files. On top of that they are writing false consumer statements again not made from me the consumer. I am a victim of identity theft. Experian opened account disputes unblocked XXXX XXXX XXXX XXXX XXXX account. Line of Credit that was opened at a fraudulent address, again Experian also stated I cant dispute addresses related only to this fraudulent address. In addition they unblocked XXXX XXXX XXXX XXXX accounts two credit cards. They put a consumer statement which again I never made or added. Stating my cards were used fraudulently without my authorization. Again this is abuse because I never added that statement since these cards were not ever received by me. I never got any credit cards from XXXX XXXX XXXX XXXX. Never even obtained membership there. I never added this statement. The account credit limit is discrepent to what this credit union is stating. These accounts are fraudulent and should remain blocked as they were only opened after the thief stole my identity. As stated I never opened these accounts. I never received any cards from these accounts. Never even knew these existed until I see them show up on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian late payments in violation of the current laws XXXX XXXX closed but reporting late payments on XX/XX/XXXX and XX/XX/XXXX XXXX XXXX but reporting late payments XX/XX/XXXX, XX/XX/XXXX XXXX closed but reporting late payments XX/XX/XXXX, XX/XX/XXXX These accounts are in violation of the fair credit reporting act see below letter attached along with it is being sent certified mail to experian
Product: Credit reporting, credit repair services, or other personal consumer reports

The account on my credit report that has the wrong account type it is reporting as auto loan when it should be reporting as a installment contract where they stated that this i requested a validation of this account and was stated as correct and that is a violation of the FDCPA
Product: Debt collection

I paid the debt in a settlement on XX/XX/year> and I received a delete letter for the amount that I paid in the Settlement. I sent the delete letter to collection agency and they removed the debt from XXXX and XXXX, but I can still see the debt on Experian. I contacted the collection agency and they say that they can not find the debt and that it may be due to how long ago I settled on the debt. I submitted a dispute with Experian but their automated response was that the debt was verified and that they could not remove it fro their report. 

I will be calling Experian directly tomorrow, but I wanted to file a complaint with CFPB to see if I could have some assistance with removing this debt from my Experian Credit report.
Product: Debt collection

I had called a number back on my phone, thinking it was my health insurance company, but it was actually Phoenix Financial Services LLC, which they did not tell me until a couple minutes into talking. The man on the phone on XXXX/XXXX/XXXX said that I had a medical debt of {$560.00} that they were trying to collect on from XXXX Kansas XXXX XXXX XXXX. He told me that the XXXX was willing to take {$400.00} over 4 months. I know now that it had been on my credit report for so long that it 's closed on the report and has been for a while. I asked him at the time what would happen if I just did n't pay such an old bill now because I really ca n't afford another payment to someone now. He said that my XXXX XXXX would just keep going down XXXX it 's been going up, actually XXXX, which I take to be him threatening to XXXX up my XXXX XXXX. I told him that I would have to review my finances and get in contact with them in a week. In this time I received XXXX call on the XXXX, XXXX, XXXX ( called them back for initial conversation, at this point I let them know I will get back to them in a week ). I sent them an email letting them know that either the amount would have to be lower, or it needs to be paid over longer than 4 months. I received a call on the XXXX in reply that they would be willing to extend it just XXXX month and have me pay {$25.00}, {$25.00}, {$100.00}, {$120.00}, {$120.00} over that time. I did agree to this, but it 's weird, because this time the same man told me this was up to his boss, when earlier it was the hospital that supposedly said they would take {$400.00}. It 's deceptive in my opinion, because the hospital would n't even return a call about them, it 's obviously not in their hands anymore, so I do n't know why he initially externalized who the responsible party was. I agreed to send the first {$25.00} on XXXX ( today, which I have not sent as of writing this ). Today at XXXX pm I received a call with " XXXX XXXX ID. '' I assume this is probably the company trying to harass me without me having a way to call the number back. 

I do n't know if this is even a debt I 'm still required to pay because the last time I even heard anything it was from a different debt collection company years ago. If the account is closed, how can they threaten to destroy my credit? I took that hit to my score once already.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two complaints already in with the CFPB stemming from the same issue, complaint nos. XXXX and XXXX. I have to open up a new complaint because the complaint portal won't allow me to add information. But, this is required. 

My new scores are as follow XXXXXX/XX/XXXX, XXXX from XXXX, operated by XXXX XXXX. I'm glad JP Morgan Chase is one of previous parties on the first complaint, because I see credit inquiries on XXXX  that from Chase but I have absolutely no idea where it is originating from. 

Something needs to be about the sensitivity of these scores. I believe my score went down from the original reported of XXXX to XXXX for unjustified reasons. I've said this before to the CFPB, regardless of what reporting company I log into, I see that half of my credit inquiries aren't acknowledged or recognize. And this doesn't become an issue until one gets denied credit for that specific reason. And I am at that stage now. 

XXXX XXXX XXXX  reported my credit limit over on XXXX dollars, and it's probably done immediately prior to me making any payments. I make my monthly payments and have no knowledge that they did something. 

With the number of my open accounts and my billing routine, I can tell you that my credit usage is high but I most certainly shouldn't be categorized as poor or even a fair score. These credit cards marketing applications are not properly sourcing their reports, third party companies are running random credit inquiries, and furthermore, it could done predatorially. 

I find XXXX  to be the least obtrusive credit reporting company, however they still go the extra mile and ask consumers to link their bank accounts. I am banking with XXXX XXXX and that connection between the two companies does not link easily and who knows what security might get breached as a result.

Credit Reporting companies need to avoid particulars. I wouldn't have so many credit inquiries if these pre-approval offers weren't considered sales by networking professionals. 

My score is XXXX ... my inner conscience tells me this. And isn't that what we are really struggling with, conscience.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally request the removal of a hard inquiry from my credit report related to my recent auto loan application, which was denied. The inquiry, which negatively impacts my credit score, does not meet the standards of lawful consideration under the Fair Credit Reporting Act ( FCRA ), and therefore must be removed. 

Lack of Lawful Consideration In legal terms, **consideration** is an essential element of any contract or transaction. For a hard inquiry to remain on a consumers credit report, there must be a benefit or value received in exchange for the consumer 's consent to the inquiry. However, since my auto loan application was denied, I received no benefit or service from the creditor. Consequently, the inquiry lacks the lawful consideration required to justify its presence on my credit report. 

Applicable Law The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, governs permissible purposes for credit inquiries. According to the FCRA, a creditor or business may only request a hard inquiry on a consumers credit report if they have a legitimate purpose, such as in connection with a credit transaction that the consumer has initiated. 

In my case, while I did initiate the auto loan application, the denial of the loan means that no credit transaction or service was ultimately extended to me. Since I received no benefit or tangible outcome from this inquiry, the continued presence of this inquiry on my credit report is both unjustified and harmful to my credit score. 

Request for Removal I kindly request that your bureau immediately remove the hard inquiry from my credit report, as it was conducted without the provision of any benefit or lawful consideration. Keeping the inquiry on my credit report serves no legitimate purpose under the FCRA, and its removal is necessary to restore the accuracy of my credit history. 

Please confirm in writing that this inquiry has been deleted from my credit file. I have enclosed a copy of my credit report for your reference and the details of the specific inquiry in question. Should you require any further information, please do not hesitate to contact me. 

Thank you for your prompt attention to this matter. I look forward to your confirmation of the removal of this unauthorized hard inquiry.
Product: Student loan

My student loan is in default and I have been trying to get a income sensitive loan rehabilitation agreement with the loan servicer since XXXX of last year. All of my application and documents are complete. Their apparent unwillingness stems from the fact that they want me to pick up the phone and discuss a payment plan. I have stated numerous times that I will not do this. All of my transactions have been written and sent via certified return receipt mail. My income is negligible, my legal payment will be much less than what they want to illegally coerce by telephone conversation which can not be proven. I have given them multiple chances and 30 day waiting periods between correspondence. The loan servicer does not respond unless forced to- I have a sizeable packet with copies of all written correspondence, documents, and mail receipts, for inspection as necessary. The loan servicer is Coast Professional in XXXX, LA. They are refusing to send me a written payment agreement contract for income sensitive loan rehabilitation.
Product: Debt collection

I have been denied a XXXX XXXX XXXX loan to finish my XXXX  as a result of having accounts in collection. When I investigated this I discovered that XXXX XXXX XXXX turned over every single visit as a different account / bill. H & R Accounts reported that I have 32 accounts now in collections, most of which are under {$100.00}. They refuse to consolidate them into a single account to setup a payment plan.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Owed : {$0.00} XXXX XXXX Balance XXXX : {$510.00} XXXX XXXX XXXXXXXX Balance Owed : {$750.00} XXXX XXXX XXXXXXXX Balance Owed : {$4500.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX {$6700.00}