23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I purchased an item from XXXX XXXX XXXX. It was shipped by a third party shipper that was recommended by XXXX 's. When I received the item I tried to return it because it was damaged and not as described by XXXX 's. However, there was no damage to the packaging. The damage occurred at either XXXX 's or the shippers prior to shipping. At this point XXXX 's was unwilling to take the item back and tried to pass the blame to the shipper ( see " MyResponseToPNC.pdf '' ). I then contacted my credit card ( PNC ) companies dispute department and started a chargeback process on both the shipper and XXXX 's. After the chargeback process was started XXXX 's was then willing to accept the item back ( see " MyResponseToPNC.pdf '' ). However, at this time my credit card company ( PNC ) did not want me to ship the item back to XXXX 's even though they were willing to take the item back. The shipper after receiving the chargeback emailed me and stated there was no further payment due and the chargeback was accepted XXXX see " MyResponseToPNC.pdf '' ).. I then received a letter from the PNC credit card dispute department requesting immediate response to the response that XXXX 's ( see " MerchantResponse.pdf '' ) supplied to the chargeback. I furnished that information to the PNC dispute department outlining the multiple conflicts of fact and it is attached as " MyResponseToPNC.pdf ''. I did not receive any communication from the PNC dispute department regarding the chargeback to XXXX 's from the time that I submitted the " MyResponseToPNC.pdf '' on XX/XX/2016 until the rebill showed up on my credit card on XX/XX/2016. The occurrences that have transpired since XX/XX/2016 are outlined in the document " OccurrencesOfRebill.pdf ''. This clearly shows that PNC is at fault regarding this business transaction and have charged me for their error/s.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, THE ACCOUNT # XXXX ( XXXX XXXX XXXX XXXX ), Creditor Address : XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, MD XXXX, Creditor Phone # : ( XXXX ) XXXX. HAS VIOLATED MY RIGHTS. 


15 U.S.C 1681 SECTION 602 A, STATES : I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A, STATES : 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 have not been able to access my Equifax credit report online. I am ALWAYS able to obtain my XXXX and XXXX reports. It seems like Equifax has built in a frustration factor meant to deter people from easily obtaining there credit reports. The " http : //www.annualcreditreport.com/ '' site is useless for Equifax but works properly with the other two. This has gone on for four or five years. My credit and identifying information is known to me ; I am not answering Equifax ' challenge questions improperly. It's impossible to speak with a human at Equifax. So, that route isn't helpful. 

Please help me to motivate Equifax to allow me, as a consumer to access my credit report online. It's 2022. Please and thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to fix my own credit I have contacted each bureau multiple times XXXX equifax XXXX and I have sent my own dispute letters and I have never received a letter back as to why this was on my report its been longer then thirty days I just dont understand I was told that if its been longer then thirty days the item has to be removed it has not been verified
Product: Credit reporting or other personal consumer reports

Inquires on credit report that I never authorized. Incorrect name, addresses inquiries and information. Ive done several disputes with XXXX, XXXX and Transunion and they havent updated nor removed the incorrect information. 

Inquires : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth : XXXX Names : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported charges that were fraud on my credit card from XXXX and made a dispute with CB indigo which is through genesis fs and they stated an investigation would take 30-60 days and nothing has been done with taking these charges off my account. This credit card company has been charging me late fees on this account when they do not belong to me since i never made these purchases. I am disputing this account since I have now closed this and want to find remedy in the credit card company zeroing out this account since they never completed an investigation
Product: Credit reporting, credit repair services, 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. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I was charged on five separate occasions in XX/XX/2018 for some special orders at XXXX XXXX. I filed a dispute about these fraudulent charges. Submitted more than enough evidence to show that the charges were fraudulent and BB & t determined after their very poor investigation, that I would not get any money back. This is a scam. BB & t must be working with XXXX to generate fake charges. I have since hired a lawyer and a lawyers have sent letters to BB & t and BB & t did not reply so my lawyers advised me to file a complaint on this site. I am out almost {$630.00}. Bb & t is horrible
Product: Credit card or prepaid card

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to zero or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, PA XXXX Equifax Information Services, XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear EQUIFAX, I am writing to express my frustration and confusion regarding the repeated responses I have received from your company regarding the status of the disputed account. FCRA Section 607 ( a ) ( 4 ) - Consumer Right to Privacy : I have the sole authority to determine what information should be considered private. I insist that this information not be shared on my credit report. 

Despite providing new and relevant information that clearly demonstrates the inaccuracy of the account in question, I continue to receive the same letter stating that the account has been verified. This leads me to question whether my information was adequately considered during your investigation process, and whether it was forwarded to the court for verification. I am interested in learning about your interactions with court representatives, including their full contact details. 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ), ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

" Chapter XXXX Bankruptcy '' with Reference # : XXXX. 
Account is reporting when the US bankruptcy court does not report to anyone. This is a Violation of my privacy. Please delete. 

Please delete this account immediately for failing to do your due diligence making sure everything is 100 % accurate on my report. 

While I may not be an expert on credit bureaus and credit reports, I have conducted research that leads me to question the reliability of the E-Oscar system that is reportedly used for investigations. I understand that this system may not always provide accurate results, and it is unfair to rely solely on it for verification purposes. 

Furthermore, my research on the Federal Trade Commission ( FTC ) website indicates that credit bureaus are required to conduct thorough investigations rather than simply parroting information provided by creditors and collection agencies. Failure to do so may result in legal action under the Fair Credit Reporting Act ( FCRA ). 

I am reaching out to you with the hope of resolving this matter amicably. However, if your company chooses not to take appropriate action, I will have no choice but to file multiple complaints and seek legal advice from an FCRA attorney. 

I urge you to conduct a new and thorough investigation into the disputed account and take the necessary steps to correct this issue promptly. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/XXXX it is documented with the Debt Collector was contacted by me disputed the debt and informed them this was not my debt. I requested validation of debt at that time. 
On XX/XX/XXXX I received another debt notice from the Debt Collector. On XX/XX/XXXX at XXXX XXXX  I contacted the Debt Collector and spoke with XXXX. She informed me that I disputed this on XX/XX/XXXX and it was not approved. I informed her to stop contacting me that I will seek legal counsel.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion LLC has violated United States Federal Law Gramm Leach Bliley Act 15 U.S. Code 6802, 6803, 6821 entire section of the Gramm Leach Bliley Act ( GLBA ). 
TransUnion LLC Has violated XXXX XXXX rights to privacy and shall be held criminally accountable with Prejudice! 

XXXX XXXX XXXX ALL RIGHTS RESERVED.
Product: Credit reporting

I permanently opted out of receiving pre-approved offers in XX/XX/XXXX. I 've also had a state security freeze on my credit file. 
In spite of this, Equifax provided information about me to XXXX XXXX XXXX on XX/XX/XXXX and failed toprovide any permissible purpose. What they provide is general. When I informed Equifax about it through XXXX of theirattorneys, they supposedly deleted the inquiry as if it never happened. I also wrote to XXXX XXXX requesting reasonsfor the inquiry on XX/XX/XXXX and asked them to respond within XXXX days. As of today, they have have not responded. 

I did not conduct any business with XXXX XXXX and my security freeze should have prevented them from gettinginformation at all without my consent. It appears I can do absolutely nothing to keep prying eyes out of my creditinformation without a permissible purpose.
Product: Credit card or prepaid card

JP Morgan Chase, with whom I have several products currently - including a different Credit Card with available credit in the amount of {$18000.00} and a {$0.00} balance - sent a notice dated XXXX XX/XX/2021 explaining that my recent application for a new credit card was denied due to " too many credit cards opened in the last two years associated with you. '' I met and exceeded all eligibility requirements, currently have a FICO score of XXXX ( according to my XXXX XXXX card ), XXXX ( according to my XXXX XXXX card ). This year, my husband and I downgraded our frequent-flier credit cards to cards with no annual fees - especially since we do not expect to travel during the pandemic. These are not cards opened, but rather cards downgraded. I pay my balances in full most months, and do not accumulate high balances. The only reason I can see for denying me credit is that I accepted public assistance in the form of unemployment benefits for 6 weeks last year. This, of course, is a violation of the Equal Credit Opportunity Act, and I would like an investigation opened into the matter. 
The Reference number for their decision letter is XXXX
Product: Credit reporting or other personal consumer reports

I constantly check my credit report and notice that the errors and false misleading information for individual accounts didn't quite meet the credit reporting standards of being 100 % correct. This has damaged me and held me back for some time now. I demand CFPB to enforce these corrections and or deletion of these items.
Product: Debt collection

XX/XX/2017 XXXX - I called and talked to the Collection Agency - Hunter-Warfield in XXXX, Florida. This is a wrong amount that they are trying to collect and has put on our Credit Reports for Me ; My Son and Daughter were on the lease for XXXX XXXX in XXXX, Florida. The Management Company they  are under is called XXXX XXXX. 

When we moved out ; we had a bed bug infestation in the carpet and flea infestation. They did not listen to any of the complaints of the infestation ; and instead charged us extra for a carpet stain ; which the carpet already had small stains when we moved in. 

Our next door neighbor moved out and they pulled up the carpet in her apartment and I believe the bed bugs and flees in her apartment came through the walls to our apartment. 
These apartment buildings take no claim when they do wrong but like to pass on to the tenant for the problems the whole complex was dealing with. 

I will pay {$400.00} but will not pay for carpet that was infested while we were there!!! 

I want this collection removed from my Daughter 's, Son 's and My credit bureau file as this is causing problems of trying to get another home ; or buying a home!!! 

They are still adding interest charges to a collection ; I believe they are not supposed to do that if it is in Collections making the collection larger and larger.!!! 

THIS IS NOT RIGHT TO DO TO THE CONSUMER!!! 

PLEASE CHECK INTO THIS FOR ME PLEASE!!! 

HUNTER AND WARFIELD - XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. 
XXXX, FL XXXX fax - XXXX telephone no. XXXX or XXXX!!! 

Thank you for all your aid in this unscrupulous endeavor and behavior on behalf of the Apartment communities out here in the Country. Unethical Collection Practices on their tenants on move-out!!!

Financial Ruin of tenants to get other places to stay by putting on credit reports as open Collections!!!
Product: Credit reporting or other personal consumer reports

I am sending this complaint to remove certain items on my credit report due to fraudulent activity resulting from being a victim of XXXX XXXX. The fraudulent accounts or information listed are not mine and were opened without my consent. 
XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$910.00} XXXX XXXX Balance {$710.00} XXXX  XXXX XXXX Balance {$510.00} XXXX XXXX Balance {$1400.00} XXXX XXXX Balance {$890.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance {$2800.00} XXXX Original Creditor : XXXXXXXX XXXX  XXXX Balance {$440.00} XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance {$700.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$680.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance {$770.00} XXXX XXXX Bankruptcy XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit reporting act the following accounts have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 consumer reporting agency can not furnish account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX / XXXX  / Equifax / XXXX I am the victim of Identity Theft. 

The criminal completed credit applications ( over 47 ) using my Social Security number and someone else 's name and another person 's address. The credit bureau 's upon being contacted for credit checks by car dealerships DID NOT ( in protection of my information ) respond with facts - to the financial institutions by letting them know that this application 's information does not match with the social security number. THEY instead added the criminal 's information to my credit report. I now have several variations of my name listed, different dates of birth as well as false places of employment. My attempts to speak with them ends in them wanting me to prove these new names/addresses/date of birth are NOT mine yet the criminal did not have to prove anything - the criminal 's information did not match my factual information and yet the credit bureaus ADDED their info to my report. NOW they state it is up to me to prove who I am to have it removed. he credit companies will not review my report with me because I am unable to answer their questions. I am unable to because the information is no longer mine. One of the questions was : Out of the list of 5 places of employment please tell which two you worked at. I did not work at two of the ones listed and answered honestly and was told since I could not answer the question they could not discuss further the information on my report. THEY PUT THAT INFO there. They altered the truth/facts by copying info off a fraudulent application.

They also did NOT notify me of the mass amounts of inquiries ( over 47 ) and purchase of 5 vehicles all within a matter of days of one another. 

Nobody should be adding information to a credit report that alters the person 's identity.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I got a alert on my XXXX  credit report that a new inquiry from XXXX was on there. I dont have a license and I dont have any business with XXXX this is fraudulent please remove from my inquiries on my credit report
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I recently checked my credit report and noticed some inaccurate accounts reporting.
Product: Credit reporting or other personal consumer reports

I am trying to view my credit report and Trans Union have my report blocked. I have not been able to review my report since XXXX of XXXX
Product: Credit reporting or other personal consumer reports

This Person ( XXXX XXXX Credit Card ) has never received written/typed or any kind of instructions from me to furnish my data information. While it is your companys policy it is by XXXX XXXX that their company policies must abide by. With out receiving a written letter of any form you have subjected yourself to committing IDENTITY THEFT. I've disputed information XXXX furnished to my consumer report I did not give written permission to.
Product: Student loan

I have two consolidated XXXX loans that were opened in XX/XX/XXXX and are serviced by Navient. The loans consolidated student loans that were originated between XXXX and XXXX. It appears that I may be able to qualify for loan forgiveness because of changes implemented to the IDR repayment plans on XX/XX/XXXX an updated on XX/XX/XXXX. It appears that if I convert my loans to a consolidate Direct loan under an IDR plan that the months I've been paying, in deferment and forebearance would all be counted to wards the 20years required for IDR forgiveness. However, Navient is not able to give me any information that i've asked to give me advice. All they say is to contact the board of education or FSA who refers me back to Navient. Navient has also advised me that they don't think student loan forgiveness will ultimately occur. I've asked for my payment records on my originating loans and for an explanation whether or not my commercially held XXXX loans will qualify for IDR conversion and or IDR forgiveness if I convert them to direct loans.