23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to XXXX parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within XXXX days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Product: Debt collection

I have contacted this company via phone call to inquire as to why they are reporting a false debt to my XXXX, XXXX, and XXXX accounts. As per conversation I asked if they can provide an original purchase agreement that includes my signature, social security number, and an updated address to ensure who the debt belongs to. They were unable to provide this information to me thus proving the invalidity of this account. It is illegal to report a false account on such platforms. Failure to provide information on a legal bidding contract is against the law. National Credit System does not have a purchase agreement that legally binds me to the debt, establishing the invalidity of this report.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I had identify theft when I was XXXX XXXX XXXX. Since this time my credit has been compromised. I am now learning of my rights. There are accounts and addresses that are appearing on my credit report
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate and unverifiable information being reported on my credit file in accordance with the Fair Credit Reporting Act ( FCRA ). The following accounts are being reported inaccurately and in violation of Metro 2 standards : XXXX. XXXX XXXXXXXX XXXX XXXX Account Opened : XX/XX/XXXX Amount : {$500.00} ( appearing twice ) XXXX. XXXX XXXX XXXX Account Opened : XX/XX/XXXX Amount : {$1100.00} XXXX. XXXX XXXX XXXX Account Opened : XX/XX/XXXX Amount : {$3500.00} These accounts are reported incorrectly and may be in violation of Metro 2 compliance regulations, which govern the accuracy and consistency of how accounts are reported. As per the requirements under Metro 2 and the FCRA, all data furnishers must ensure that the data reported is complete, accurate, and verifiable. Upon review, the following issues appear to exist : - **Duplicate reporting : ** XXXX. XXXX XXXX XXXX is listed twice for the same amount and opening date, which should not occur under Metro 2 reporting guidelines. 
- **Unverifiable information : ** I do not have records of the alleged debt with XXXX XXXX XXXX and XXXX XXXX XXXX as currently reported , and I am unable to verify the authenticity of these entries.

I kindly request that you conduct a thorough investigation into these accounts, verify their accuracy with the original creditors, and provide me with documentation that proves they meet the legal reporting requirements. If the investigation reveals that these accounts do not comply with Metro 2 standards or are not verifiable, I expect these accounts to be deleted from my credit file immediately.
Product: Student loan

I was orginally sold a loan at XXXX years old for school at {$6200.00}. About a year later i paid {$2000.00} on the loan. Everytime i called Navient they lied and told me forbearance was my best option when i couldn't afford payments. Never making me aware that my interest capitalizing would make my loan extremely higher and therefore making my payments even higher in the end. As of right now, i am trying to pay the loan in full and they refuse to work with me. Today i owe nearly {$8000.00} on the loan bringing the total to {$10000.00} on a 7 year student loan. It is just robbery and should be illegal what they do to new college students just trying to pay for schooling.
Product: Credit card or prepaid card

My wife tried to use my Dicks rewards points when making a purchase without me at the store. 

My wife thought my dicks rewards covered the bill, but the store clerk supposedly opened up a credit card in my name without my approval or being present. My wife did not ask to open a card. This is illegal! 

I had no idea a card was open in my name with a {$150.00} balance. I did not know I had the card for a while till I opened up a bill later from dicks. I called dicks and reported the card as fraud, asked it to be cancelled. 

After working with fraud department and and talking to my wife I figured out what happened. 

My wife is an XXXX not a XXXX XXXX XXXX XXXX  She can afford to buy anything she wants. 

Synchrony told me that they would freeze the account and may reimburse me. 

I the end, I ended up having to pay {$240.00} for a {$150.00} bill on a card I did not open or want to stop the synchrony fees. 

I could not pay the card balance while the fraud investigation went on per Synchrony, but they stuck me with fees at the end. 

A store employee should not be able to open a credit card in someone's name without their approval or being present. 

Synchrony should not assess fees and interest on a card I can't pay off in an investigation.

Synchrony should not have wasted many hours of my time in phone loops, back and forth between their teams and hang ups. 

I was ripped off.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCORDING TO U.S.C. Sec. 6801 PROTECTION OF NONPUBLIC PERSONAL INFORMATION ( UNITED STATES CODE ( 2023 EDITION ) ) ( a ) Privacy OBLIGATIONS policy It is the policy of the Congress that each financial INSTITUTION has an affirmative and continuing obligation to RESPECT the privacy of its CUSTOMERS and to protect the security and confidentiality of those CUSTOMERS NONPUBLIC PERSONAL INFORMATION. 

( b ) Financial INSTITUTIONS safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this TITLE, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the Financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards- ( XXXX ) to insure the security and confidentiality of customer RECORDS AND INFORMATION ; ( XXXX ) to protect against unauthorized access to or use of such records or INFORMATION which could RESULT IN substantial harm or inconvenience to any CUSTOMER. 
These Accounts have violated my rights by Reporting to my consumer report, which make NONPUBLIC PERSONAL INFORMATION..Public! 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX. 
THESE ACCOUNTS HAVE CAUSED SUBSTANTIAL HARM AND CREATED INCONVENIENCE TO ME THE CONSUMER.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX a collection account for {$500.00} was deleted from my 3 credit reports ( XXXX, Transunion and XXXX ) do to non validation after sending a debt validation letter directly to creditor with no response. After reviewing my credit reports I noticed it had been Re-inserted on all 3 Credit Bureaus On XX/XX/XXXX. 

According to the FCRA 611, If any information had been deleted from a consumers file pursuant to subparagraph ( A ) the information may not be reinserted in the file, unless the consumer reporting agency shall notify the consumer of the reinsertion in writing not later then 5 business days after the reinsertion. 

As of today XX/XX/XXXX I have not received any letter of reinsertion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax several times about removing that ridiculous fraud alert. I even created an account on my equifax but there is no option to remove it. The alert is causing me denials for credit. i want it removed immediately before I sue equifax.
Product: Credit reporting or other personal consumer reports

15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above. It reports late 90 days!!!! REMOVE NOW!!! 

XXXX XXXX Account : XXXX XXXX XXXX Account : XXXX un-authorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is actually not a new complaint. I called Transunion about my mortgage of {$1400.00} with XXXX XXXX XXXX ( XXXX ) ( see attached ) not being reported on XX/XX/XXXX. Transunion mentioned that maybe the financial companies were not reporting it to them. I assured Transunion that the above-mentioned company was reporting it and the other credit agencies were correctly reporting this item. I called XXXX XXXX XXXX on the same day and they assured me they were reporting my financial information to Transunion. I even followed up in written form with XXXX XXXX XXXX. ( See Attached ). XXXX responded to my letter stating that they have indeed been sending information to Transunion. I again called Transunion on XX/XX/XXXX to state that the item is still not showing up on my Transunion credit report. They stated that it would take up to 90 days to investigate the matter. Transunion had 60 days to respond and they never resolved the missing mortgage payments reported on my credit report. 

Now it is XXXX XXXX and as of today Transunion STILL has not corrected my credit report. I called them on XX/XX/XXXX and they said that they have not been receiving information from XXXX XXXX XXXX ( XXXX ). This is the same answer Transunion gave me in XXXX. I then called XXXX and they assured me they had been sending information. 

I just want my mortgage payments reported on my Transunion credit report. The missing mortgage payment reporting is lowering my credit score by XXXX points and affecting the age of my accounts score negatively.
Product: Student loan

In XXXX I graduated from XXXX XXXX XXXX. During my time there I instructed the bursar I was not at all interested in private student loans, only federal, and the only loan documents I physically signed aligned with that fact. I never signed any form requesting private loans for my education at any time. 

Starting in XXXX, I start receiving notices from Activate Financial about an outstanding loan from FA Peaks that has been accruing late fees and interest over the course of two years after the forbearance time ended after my graduation, with no prior notice of debt due. I never heard from this company nor any other regarding private loan debt until the purported loan had already accrued a healthy proportion of the initial principal in fees. I understand I have 30 days after the notice of a debt to dispute the validity of it, but how can I dispute it if the notice doesn't come until two years after the forbearance window? This is clearly fraud on the part of XXXX, a charge specifically for which it was shut down permanently, and Activate Financial is attempting to collect a fraudulent debt. 

Activate Financial nor FA Peaks can reproduce any evidence with my signature of anything I signed permitting this loan. Activate Financial will respond to this complaint only with a collection notice, included here, and a form letter indicating a debt is due as their only defense, which is both lazy and indicative of their dishonesty. This is a bad debt that they continue to pursue in bad faith, and has crippled my credit worthiness for too many years. Please do not let them merely send a form letter indicating this is my debt to close out this complaint, as that will be their only response because they know they can't support their claim with any proof.
Product: Debt collection

I have tried to dispute Fox collection agency for years, this company is still appearing on my report. Wild Hindering my score.
Product: Debt collection

I'm disappointed with the dismissal of my identity theft claim, citing an error or misrepresentation. This raises concerns about your authority to determine material facts. It's crucial to note that your role doesn't grant judge or jury powers. Following FTC guidelines, an identity theft report with a law enforcement agency ( FTC itself ) warrants a thorough investigation.XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, XXXX. XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. I'm offering one final chance for you to address my request. Failing to do so leaves me no option but legal action.
Product: Credit reporting or other personal consumer reports

False inaccurate reporting I DO NOT RECOGNIZE these following inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LAST REQUESTED REMOVAL DATE XXXX PLEASE REMOVE I DID NOT AUTHORIZE THESE INQUIRIES
Product: Checking or savings account

I attempted to open an account with Navy Federal Credit Union online. My daughter is an XXXX XXXX XXXX and an account holder. My other daughter had opened an account online without any problem. I filled out all of the information requested, but received an email message that I needed to submit additional information before I could open an account. I was not told why this was the case, but Navy Federal gave a list of documents that I could submit. I selected to submit my Driver 's License and my vehicle registration. I submitted those a pdf documents from our office copier and my computer. I use these tools daily to submit pdf documents to governmental and private parties as part of my law practice, so I know there is no problem with our equipment. Navy Federal wrote back and said that the documents were too blurry and asked me to resubmit them. This time, I took photographs of the documents and sent them as jpeg files. Navy Federal wrote back and said that the documents were too blurry and asked me to resubmit them. This time, I made hard copies of the documents and mailed them to Navy Federal 's XXXX XXXX XXXX. Again, Navy Federal wrote back by email stating that the documents were too blurry. I have contacted Navy Federal by telephone with my last phone call being with " XXXX XXXX ( last name withheld ), supervisor in the " Resolutions Department ''. The only suggestion that XXXX gave me was to reapply and send the documents again. This was not a good faith opportunity because my sending the documents again would only result in another message stating that the documents were too blurry. I asked to speak to someone at Navy Federal and allow me to send my documents to them directly to confirm that they are not blurry. This was not permitted. I have no remedy in this case. Continuing to reapply and receive messages that the documents I am submitting are too blurry, when in fact they are not, will not result in a different outcome. I still do not understand, and it has never been shared with me why I needed to submit additional documents when my daughter was able to open an account online without trouble and without submitting additional documents. If Navy Federal is going to require the submission of additional documents Navy Federal should have the necessary equipment and personnel to review these documents accurately.
Product: Vehicle loan or lease

Had a loan XXXX XXXX XXXXXXXX paid it on time except it late once. They repossessed it the mouth before it was paid off. Cost me XXXX between the additional XXXX they wanted and the XXXX tow all on the XXXX of XXXX at XXXX. Cost me thousands more due to we were going to take the boat out the next day and we lost the weekend and all the expenses we paid to get ready. Cost me approx XXXX total for a still undetermined reason, I was so mad and had nothing to do with it or anything I could do about it.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 


UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my daughter a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are many items and collection accounts on my credit that need to be removed. These items are not mine. Please delete. 

XXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX {$190.00} XX/XX/XXXXXXXX {$300.00} XX/XX/XXXX XXXX {$1900.00} XX/XX/XXXX XXXX {$10000.00} XXXX XX/XX/XXXX XXXX {$100.00} XX/XX/XXXXXXXX {$6300.00} XX/XX/XXXX XXXX {$1000.00} XX/XX/XXXX/XX/XX/XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX {$67.00} XX/XX/XXXX XXXX {$1700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Accordance with the Fair Credit Reporting Act XXXX  Account : 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 instructions. 

XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX Hard inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX/Hard inquiry XXXXXXXX XXXX XXXXHard inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

With great pain, I say that I have been XXXX scammed using Paypal 's platform. I learned the hard way that due to gaps in Paypal 's policies, scammers have a free run. Let me share my story with you. 

I was a newbie investor and signed up for a service that promised better returns. Initially, I had some gains and mostly losses. I continued to follow his investment alerts but started making losses. When I confronted him about the loss, he suggested that I join his private club where my principal/capital will be safe and make 2x-5x returns in a single day and I would get such an alert once a month. 

After a lot of discussions and assurances, I signed up for his private club through Paypal by paying {$50000.00} ( Scammer asked me to make payment only through Paypal ). 

I received my sure shot 100 % signal in XXXX and invested {$75000.00} based on his alert and lost {$67000.00}. When I reached him for compensation as per the agreement, he asked me to arrange for capital again and this time I would receive a stock alert that would recoup all my losses and named it as " core signal '', which happens only once a year last time someone made XXXX %. 

I felt all his words to be fishy and reached out to Paypal for help as he wasn't ready to refund the money that I paid. I provided Paypal with all the relevant screenshots of our chat conversations. Paypal upon investigation enlightened me of their buyer protection policy that Financial investments wouldn't be covered and then I understood the reason for the scammer insisting on only using PayPal 's platform. 

Upon further conversations with friends and other family members, I was told that this is a complex XXXX  scheme and reviewed the SEC 's XXXX Scheme 's red flags. I reached out to Paypal and appealed that this is a XXXX scam and PayPal 's AUP policy doesn't allow such XXXX scams or " Get Rich Schemes '' on their platform with proof. Sadly, PayPal denied the case stating their policy yet not doing anything. I reached out to the merchant aka XXXX Based Scammer but no response either from their customer care or financial analyst. 

For Scammer offering Financial Products on PayPal Platform is a paradise as gaps between Buyer Protection Policy and PayPal 's AUP gaps leave buyers like in me limbo. All I request CFPB is to stop the scammer from getting my hard earned money as I have not only lost {$67000.00} but will lose additional {$50000.00} and will lose the faith on the financial institution and bodies governing them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been blocked from my credit report online. I can not get my credit report through XXXX parties. I have contacted Equifax over XXXX times in order to fix the problem and nothing has been done.
Product: Checking or savings account

This is a follow up of my original complaint case #  XXXX   XXXX .  PNC  Bak has failed to provide me with and explanation why {$360.00} was taken out of my personal checking account ending in  XXXX  on  XXXX ,   XXXX    XXXX . They have failed to provide me with the complete investigation file which  PNC Bank  claims I have mishandled my personal checking account.     This request is specifically directed to a letter dated  XXXX   XXXX ,   XXXX   Ref. #  XXXX . In that lette r PNC Ban k used as a reason to deny my request for a credit card.   see reason #  XXXX  " Unsatisfactory handling of your relationsh ip ( s ) wit h us '' I have requested a detailed explanation of both issues 7 times, in writing, verbally over the phone and walking into branches. There are serious security issues with the {$360.00} ATM withdrawal of my account and I have a legal right to know what exactly happened. Further, if  PNC ban k is claiming I have mishandled my personal checking account, that claim has the potential to negatively impact my reputation.   I want the information i have requested and hoping  PNC ba nk will comply with federal and state laws that clearly state they MUST provide the information requested. Otherwise I will be forced to file civil claims and through that venue I will ascertain it.