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

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Can this please be removed inquiry Bank Of America is two of them on my credit
Product: Debt collection

This company is reporting fraudulent inaccurate information such as my name on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me.
Product: Bank account or service

This is a complaint against PNC Bank, with my checking business account. There was a lot of transactions with my debit card that were n't authorized with me and also with the establishments of stores and also a lot of atm retirements. I have contacted the bank because I received an email of alert and I immediately called to make the claim that those purchases were n't authorized by me but went through without my permission. I asked to have another express debit card because they have left me without money in the bank. After, they switched me to the atm services of the bank, I had to push through to have my claim go through. There was a lot of retirements of atm that were n't made by me for months now. They did n't want to give me a claim number, and that the money would probably not return into my account. By the rules, I should have protection against these types of situations. The thing that upset me the most was that for the first time, I have to go to the physical bank to ask for claim but they ask me to call them through an email.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 I disputed an inaccurate reporting bankruptcy and Experian has not reached out to me regarding an update or deleted from my consumer report
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters on XX/XX/22 and have not received a reply.
Product: Credit reporting

1. All XXXX agencies, Experian, XXXX & XXXX wrongfully report delayed payments to XXXX XXXX in 2013. I have sent official report from XXXX XXXX showing no late payments and they have not yet corrected this. 

2. There is no logical reason for the credit agencies to make the credit score lower due to the number of inquiries into the account. This process is very detrimental to the consumer and there is zero logic to it. My credit scores should be adjusted accordingly and they should stop this process.
Product: Student loan

I have been trying to request an income based repayment for my student loan. When I go to the studentloan.gov website to apply, it shows that I have student loans totaling {$82000.00} when it should be {$49000.00}. The additional loans were discharged XX/XX/2011 due to my being a XXXX veteran. These loans were reopened by Navient and I spent over 3 hours on the phone ( Wednesday XX/XX/XXXX ) going in circles with different agencies and they all sent me back to Navient. Prior to this and afterward I spoke with representatives at Navient and asked if they could defer my payments until the issue was resolved and I was told that because my payment was in the window of repayment I need to call back. I get the same response every time I call back. I can pay the first loan payment on XX/XX/XXXX of XXXX but I ca n't afford the payment amounts that are estimated to be over {$500.00} for the following months. In addition, I do n't want to request a reduced payment which includes payments that have already been discharged. The representatives that I spoke with at Navient agree that my student loan total is {$49000.00} but they ca n't tell me why the past discharged loans are showing up on the student loan website or how to remove them. No one seems to know how to remove them, although I have a letter saying they were discharged. Please help me resolve this matter.
Product: Credit reporting or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally exercise my rights as a federally protected consumer under the Fair Credit Reporting Act ( FCRA ) and related laws to opt out and rescind any and all authorizations I may have previously provided to your institution.

Opt-Out and Rescission of Authorization Effective immediately and indefinitely, I, the undersigned consumer, hereby : 1. Rescind Authorization : Revoke any and all authorizations I may have granted, whether written, unwritten, verbal, or non-verbal, that permit the collection, sharing, or use of my personal information. This rescission is made under the authority of 15 U.S.C. 6802, which governs the obligations of financial institutions to respect the privacy choices of consumers.

2. Exercise Opt-Out Rights : Formally opt out of the sharing of my nonpublic personal information, in accordance with 16 CFR 313.1, which enforces privacy obligations under the XXXX XXXX. 
Legal Basis for My Request This request is supported by the following federal statutes and regulations : 1. 15 U.S.C. 6801 : This section mandates financial institutions to establish standards that protect the confidentiality and security of nonpublic personal information. My opt-out request is a direct exercise of my right to restrict unauthorized access or use of my information.

2. 15 U.S.C. 6802 : This provision grants consumers the right to opt out of the sharing of nonpublic personal information. My decision to rescind all authorizations aligns with my statutory rights under this section.

3. 15 U.S.C. 6805 : This section provides the enforcement framework for compliance with consumer privacy obligations. I expect your organization to adhere to these legal requirements and promptly implement this opt-out request.

4. 16 CFR 313.1 : The Privacy of Consumer Financial Information regulation obligates financial institutions to inform consumers of their rights and provide mechanisms for opting out. This letter serves as my explicit directive to exercise those rights.
Product: Money transfer, virtual currency, or money service

On XX/XX/2024, a person stole a check paid to me by the XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, forged my signature, endorsed the check to themselves, and deposited to PNC Bank via their mobile app. Bank. PNC Bank cashed willing cashed a forged check that was stolen from me by one of their customers without any verification of identification. PNC Bank willingly cashes checks stolen and forged by their customers with no verification of identification. I made several attempts to contact PNC Bank 's fraud department but I was placed on hold for a total of one hour and I was never able to reach anyone. I have filed a forgery and identity theft report with my local police department. Additionally, I have filed an Affidavit of Check Fraud by Payee Forged Endorsement claim with XXXX XXXX XXXX who is also opening an investigation into this.
Product: Checking or savings account

On XX/XX/2019, I tried to transfer money to my friend through paypal but it always asks for a fee.I called customer service and after over 30 min of wait, the agent said you can do it now while on the phone and I can take care of the fee. After I initiated the transfer, the agent told me the fee can not be waived since it is the fee associated with XXXX XXXX XXXX. I asked to spear to the adviser, the adviser told me the same thing. I asked the manager to close my account next Wed after all my fund has been transferred from paypal to my bank. The manager told me he can do that. But after a couple of min my account was closed and I still have two pending transfers.
Product: Student loan

This past fall I received multiple emails from Fedloan Servicing that I had to re-certify my Income Driven Repayment plan or I risked falling out of good standing for my loan repayments ( even though there continues to be a student loan deferment/forbearance for all student loans due to COVID-related executive orders of the XXXX XXXX  XXXX Administrations XXXX. After multiple reminders, I did what my Fedloan Servicing instructed and resubmitted my information. I have now learned that this is not true, and that per the Executive Order, my payments should return to their pre-COVID levels. By recertifying my payments, due to incorrect warnings from Fedloan, my payments will increase substantially when they are restarted in the coming weeks. As such, I am reaching out to your organization to contact Fedloan Servicing and inform them that their incorrect guidance/warnings violated the Executive Orders of both the XXXX XXXX XXXX Administrations which dictate a return to pre-COVID payments following the end of the forbearance. Fedloan Servicing is unwilling to re-evaluate my loan payments based on this new information. 

Thank you for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent many letters trying to get Experian and XXXX to properly investigate and account witch was re inserted on my credit file. it was removed in XX/XX/XXXX and now it is back on my credit file with same company in XX/XX/XXXX. the exact same account for the exact same about the only difference is the account number changed. Old account number was. XXXX and the new reinserted number XXXX. I was not notified by the company XXXX nor the credit reporting bureaus informed me of this matter. I know that they have violated the FCRA and I have given both bureaus the opportunity to properly investigate this matter and resolve it but they still have not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a Chapter  XXXX  Bankruptcy that was Discharged on  XXXX   XXXX ,   XXXX  . Part of the BK was a mortgage loan with  XXXX   XXXX . Experian has " miscoded '' the  XXXX  trade line to show as a "  XXXX  '' ... which means Foreclosure. I did NOT have a Foreclosure ... I in fact still live in the house. They have also put verbiage in the " remarks '' section of the report stating that I had a Foreclosure ... I did not. I need the Code "  XXXX  '' removed and the REMARKS removed ... please.   XXXX  Part of the letter from  XXXX  states " The credit bureaus have been updated to relect no reporting after this date. '' Again, nothing is supposed to be reported after  XXXX   XXXX ,   XXXX   ...   XXXX   has a " Reported Date '' of  XXXX  and a " Last Activity Date '' of  XXXX . I need those changed to  XXXX  as  XXXX  has stated in the letter.
Product: Debt collection

Sent This Letter & did NOT compile or respond - still on all three ( 3 ) CRA 's Mailed XXXX Credit Management Company XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX Re : Acct # xxxxxxxx {$180.00} To Whom It May Concern : This letter is being sent to you in response to your recent letter. This is not a refusal to pay, but a notice that your claim is disputed. 
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient, and proof that there is some contractual obligation which is binding on me to pay this debt. 
Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. XXXX. 
APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. 
The term 'breach of security ' means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. 
Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. 
Please also attach : copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account a copy of any HIPAA authorization. 
Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting ; or verifying this account on my credit reports. 
I require compliance with the terms and conditions of this letter within 30 days. or a complete withdrawal, in writing, of any claim. 
In the event of noncompliance, I reserve the right to le charges and/? or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the CFPB , XXXX  and State Bar associations for violations of the FDCPA, FCRA XXXX and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as in violation of Wisconsin medical privacy rules. 
I also hereby reserve my right to take private civil action against you to recover damages.
Product: Debt collection

I received a call from XXXX XXXX a few weeks ago saying I owed a payday loan debt from XXXX XXXX  XXXX told him I did not recall that company and he said I did because they have my information, I said can you verify because it doesn't ring a bell. He told me that he can not verify a debt all he can do is send me a paid receipt once its paid and they are offering 50 % settle. I said no I don't know what this is from XXXX He was not nice he spoke very fast about further action and hung up on me. Today I received a text message from Unifin ( XXXX ) - I signed into the account to see what it was ( it said debt collector ) it came up I think XXXX XXXX XXXX XXXX  and that I owe XXXX from XXXX Which is what the first man I think was talking about. I don't know what this is and the man said they don't send validation. I think it may be a scam. I don't know what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 I'm XXXX and have maintained an EXCELLENT credit score for as long as I can remember ...

I paid off two car loans within the past 60 days that reduced my personal debt by XXXX $ XXXX {$55000.00} and reduced my monthly payments by {$1300.00}. As a result of paying off these loans, my credit score DROPPED by 20+ points. WHY???

As a result of the actions noted above, I was amazed to see that I went from an Excellent FICO Score of XXXX to a Very Good Score of XXXX ... 

I submitted a dispute to Experian ( XXXX ). Experian says they do not know why my score dropped and it's up to the XXXX folks to explain that to me. They gave me the number to XXXX ( XXXX ) so I could follow up with them. 

So, I called XXXX today and they told me that I would need to sign up for their service ( $ $ $ ) before they could tell my why my XXXX score DROPPED by 20 points. " They '' do not have access to my financial information. I do not need - or want - to purchase a product from XXXX in order to get an answer to my question. I already have an account with Experian. 

This is quite the little dilemma for those of us who just want to understand what's going on with our credit scores. Just to clarify ... I have no issue with anything on my credit report. I just want to understand the significant drop in my score after I took what would typically be considered very sound steps to improve my financial status. 

I would also say that those of us who have questions about how the " FICO SYSTEM '' works ( calculates our scores ), should be able to get answers to our questions - from a live body who actually understands what's going on. 

I'm being told by Experian and XXXX there is no one who I can talk to who can look at my situation, review my credit report and explain to me why my score was so negatively impacted by the positive actions I took ... That is the problem I need an answer to. 

Sounds a bit like the XXXX XXXX XXXX to me.
Product: Prepaid card

I purchased XXXX XXXX software through XXXX and they gave me a {$25.00} prepaid gift card. I tried to use the gift card but the transaction was rejected saying that the billing address does not match the address for the card. The issuing bank, XXXX XXXX provides no information on this issue and no assistance. XXXX Bank provides only a phone number for XXXX XXXX that is a an automated menu with no information to resolve this issue. 

All you have to do is search for issues using Vanilla gift card and you will find that most people are never able to use these gift cards. This seems like a scam corporate promotion that XXXX XXXX and XXXXXXXX XXXX  know will never be honored. Providing no way for consumers to contact either company to troubleshoot this issue unfortunately leaves the only option to include the CFPB.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX - 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, I have been fighting this for a while, I was NOT late nor past 30 days on our time share with XXXX XXXX / XXXX XXXX XXXXXXXX ( See attached proof of our payments coming out of our account in XX/XX/XXXX ). This has to be corrected ASAP. False information is being reported against me.
Product: Debt collection

I checked my credit for employment reason and the collection agency came in the report. Its a medical bill that the insurance company told me that the reason they have not paid it was because the Dr. billed it as me being in his office and that was not covered unless I was in the hospital. I never went to his office and I don't even know who he is but I was treated at XXXX Hospital. I explained all this to the collection agency and asked them to send me the corrected billing showing he treated me in the hospital and all they sent me was a statement showing I owed the money to the doctor. They are not willing to correct the problems and i need to take care of this. Please help me as this could affect my job. 
The collection agency is MBA Law XXXX XXXX XXXX and the creditor shown on their letter is XXXX XXXX XXXX. I am almost XXXX years old and not on such a great physical and financial shape and I want to make this right but my insurance is willing to pay for htis old bill as long as they send a corrceted billing. 
Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXdischarged Reference # : XXXX Date Filed/Reported : XX/XX/2018 ; XXXXXXXX XXXX XXXX XXXX XXXX bankruptcy discharged Reference # : XXXX Date Filed/Reported : XX/XX/2018 ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

I have a Chime account so that my unbanked family member could send money for the care of our mother. I opened a checking account in XX/XX/XXXX. They sent me a debit card that I did not request and did not activate. In XXXX, I transferred from the Chime checking ( in my name ) to my bank checking ( in my name ) without issue. When attempting to make a transfer from Chime checking to my bank 's checking ( both the same accounts as used in XXXX ), it gave me an error stating I needed to activate my Chime card. I tried this repeatedly before trying to contact Chime. First, they are very difficult to get through to and I tried their chatbot, then a live chat, then a live chat with a supervisor. They had me delete the app, reinstall, " update '' the app ( even though it was just installed ), they said it was the other bank 's fault even though it was their error message about their card (! ). They finally terminated the chat without resolving it after an hour of this. I somehow got their customer service number and tried to resolve tonight. It took over 20 minutes just to find a way to get to a person. Was on the phone with this one for over an hour and finally told that I could get my money but it would take 30 days. I asked if I could transfer a different way, they said to activate my virtual debit card and transfer to XXXX. They could not provide instruction on how to accomplish this. They could not answer where this is disclosed as a requirement or what changed. I believe they are requiring transfers of your own money through a debit card so they make money off the exchange fees. There also, apparently, is a fee from XXXX if I can even get this to work. They pay no interest on the checking which is probably why it takes 30 days to get them to send the money. This is my own money and they are holding it hostage. Help!