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

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. 

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. 

Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO " UPDATE/REPAIR '' THE FOLLOWING ACCOUNT. 
XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$41000.00} and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX I contacted the agencies and they have not done anything they violated 15 USC 1681 A ( 3 ) in which they did not have my consent to share any of my information 15 USC 1681 A ( 4 ) They were unfair and partial and did not respect my rights. 

They failed to provide me with a copy of the consent pursuant to their data sharing policy. 
All of my student Loans are reporting incorrectly, all of my credit cards are reporting inaccurately. My mortgage and my car loans are reporting incorrectly and missing information. 

Please assist me in this matter. Thank you
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX account number : XXXX XXXX XXXX account number XXXX XXXX XXXX  account number XXXX looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are supposed to 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. CORRECTION TO MY REPORT DELETE ALL UNAUTHORIZED FRAUDULENT ACCOUNTS
Product: Debt collection

ProCollect sent me notice that I and my wife and father owed {$13000.00} for breaking a lease and damages. However, ProCollect doesn't recognize a debt not owed. As you can see, XXXX XXXX clearly states she would allow us a 7 to give a seven-day notice with no penalties or fines. Apparently ProCollect doesn't follow the law as the letter specifically states this. They are going on something that doesn't exist. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a credit alert on my XXXX and XXXX credit accounts on XX/XX/2022. My credit report show shows inquiries by Capital One I do not recall authorizing Capital One to use my social security number for no business in reference to obtaining credit cards. I applied under my business

EIN # not my social as a matter of fact. I was applying for a business card which on the form states EIN or Social. This misleading, deceptive and Unfair Advertising to the consumer. I had an option to use either my social or EIN. I choose to use my EIN because my business credit is strong. If you find that I am remiss, and you did have authorization to inquire and use my ( social security number ) please send me proof of this. I use my EIN number because it was an option on the Capital One we
bsite and if its not an option then Capital One is committing fraud under subpart 1603.70 Misleading, Deceptive UnFair Advertising.

Subpart 1603.70Misleading, Deceptive, or Unfair Advertising This bill restricts online advertising that targets an individual, internet-connected device, or group of individuals or devices based on personal information. Personal information includes information that is reasonably linkable to an individual or connected device such as internet browsing history or the content of communications.1603.7001 Policy. ( b ) OPM discourages advertising that is misleading or deceptive. This in-cludes advertising that is directed at other carriers plans participating in the Program and which uses incomplete or inappropriate comparisons or disparaging or minimizing techniques.
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 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under anon end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of XXXX data breach. According to 15 U.S. Code 1681, Congressional purposes, it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the need of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. There exists an obligation for the credit reporting agencies to conduct themselves in a manner that is fair and equitable to me. The continuous reporting of such information deems an improper utilization of my information, which directly conflicts Congressional purposes and reasonable procedures. Prove that I received the delivery of goods ; come to my home and search for the goods they say I received possessions of goods of, or come and see my computer or tap into my bank account so you can see what these alleged possessions are as is the requirement under 15 U.S. Code 1681c-2 ( c ) ( 1 ) ( C ). Please prove this! Hearsay is not admissible. This is according to the federal rules of procedure and evidence! Therefore, these accounts must be removed. You can not lawfully prove that I received delivery of goods, services, and money. These accounts are not related to transactions by me, the consumer, therefore, as a result of this identity theft, these accounts must be removed and blocked. Additionally, I provided a locally filed police report in XX/XX/2022, and the accounts are still reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, PA XXXX, Syncb XXXX, FL, XXXX XXXX XXXX, are all the creditors that are reported on my credit report that caused my score to decrease unlawfully. My XXXX  score was XXXX dropping 93 points and my XXXX  score was XXXX dropping 139 points I'm not a credit expert but, I've been working on fixing my score for the last almost 2 years and now due to two inquiries and a {$70.00} increase that means my score decreases that extremely? Or is it because I'm a XXXX XXXX  man that's trying to better my credit score and my life so all odds are against me? Please restore my credit score That I work so hard to fix that they 3 bureaus took from me.
Product: Debt collection

XXXX XXXX of the Regional Adjustment Bureau XXXX has left messages with every extension on the directory that she is attempting to contact me to collect a debt. I have no idea who this person or company is or what they are trying to collect. She has been told repeatedly to quit calling this number. She was very rude and kept telling me to give her my birthdate and social security number. That is not going to happen. Please have her cease and desist.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2023 I flew to Colorado to purchase a used vehicle. I did not request or authorize additional inquires for financing. I had already received proof of approval and submitted the deposit on XX/XX/2023. The finance manager did not realize that had already been done and proceeded to mass request approval for an auto loan. XXXX notified me of the attempts and I immediately brought this to the attention of the person who was selling me the vehicle and he put a stop to it. Since the XXXX of XX/XX/2023 I have been in regular contact with the dealership I purchased the vehicle through, The auto loan financing company 's they submitted to and the credit bureaus themselves. Each of them is stating it is the others responsibility to have it removed. XXXX XXXXXXXX XXXX states they have no record of it yet they are appearing on my XXXX account. XXXX Bank has submitted a dispute and XXXX XXXX XXXX has not responded to me. There are several more company 's appearing on my credit reports that have not sent me anything via physical or electronic mail stating they ran my information for an auto loan inquiry. The dealership requested these inquiries without my approval, direction or knowledge. After the fact they informed me they were ONLY soft inquires which was a blatant lie. I am requesting assistance in insuring the immediate removal of these unauthorized inquires. 
The following is appearing on my credit report Equifax XXXX XXXX XXXX XXXX  ( Never authorized or requested ) XXXX XXXX XXXXXXXX XXXX XXXX ( Never authorized or requested ) XXXX XXXX XXXX XXXXXXXX ( Never authorized or requested ) XXXX XXXX XXXX ( Never authorized or requested ) XXXXXXXX XXXX XXXX XXXX- ( Never authorized or requested )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX started sending us a bill for a phone that was under my husbands name or part of his name ... .they didn't even have the name correct but we don't even use XXXX nor have had ever had them as a phone provider. I called them many times and went to a local store and they referred me to a number to dispute. I followed their directions by sending a letter to XXXX. Some time passed and a XXXX showed up at our house. A phone we did not order. WE immediately went to the local store and they told us to send it back and gave me a direct address to send it back too. We didn't open the box. 
We then proceeded to get bills again for the phone and phone calls. They would only call at times my husband wasn't home and wouldn't listen to me that this was not our phone, our bill or our account. 
They finally quit calling and sending bills. Almost a year or more has passed? I can't remember dates because I thought this problem was taken care of. BUT when we were checking on my husbands credit score we were told that his score was low due to a XXXX bill that went to credit reporting. ( If I call XXXX number now that the local store gives out ... they ask for my husbands soc. security number and I am NOT giving that over the phone. So I can't speak to anyone to dispute at XXXX. ) Please dispute this problem for us and inform all that XXXX customer services is terrible and fraud. 
Thanks for your help.
Product: Money transfer, virtual currency, or money service

I sold two items on XXXX XXXX. They required me to use PayPal for payment. PayPal has refused to move my money into my bank account - {$590.00}. The original hold was 21 days, then 72 hours, then it would be next day. That was 3 days ago. I need the money to rent a car to get to the XXXX for 2 XXXX. I can barely walk and I have already cancelled one appointment because of the delay in getting my money - which I need immediately so I can rent a car to get to take the tests.
Product: Consumer Loan

Got an auto loan in the amount of XXXX paid down to XXXX car was repossed and sold, now they 're saying I still owe the XXXX. They took this matter to court, now I have to make monthly payments of {$100.00} until paid in full, and still do n't have the car
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 2 mortgage accounts that have appeared on my credit report that were included in bankruptcy and should never have appeared. This has caused significant problems with my credit scoring as the other accounts included in the bankruptcy in XX/XX/2013 are about to drop from my credit file. 

XXXX XXXX XXXX , XXXX has 2 accounts listed that need to be deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

Nothing was sent to me to legally verify the past due balance reporting for this account XXXX XXXX  Acct. No. XXXX. Because the past due balance reported by Transunion, XXXX and XXXX are different, which means the account has not been properly verified legally.
Product: Checking or savings account

I open PNC bank in NC and moved XXXX but my ex and criminal friends had been stealing money account hacked my account and hacked my debit card. Tellers abuse there power and help my ex and criminal ring steal money from my account. Every time I went there mentioned my ex. My ex is their and con man and is deeply in debt with taxes and hab robbing and I'm aware but crooked employees. I want an audit done because I asked for them help me and they refused. Instead cancel my account but open another or joint in my name stolen license PNC XXXX XXXX XXXX FL. I feel based previous encounters they crooked and corrupts there are other factors but they abuse there power. All fraud. I want an invesgattion done with stolen money. My ex have other accounts in my name. I want these fount pnc and canceled immediately.
Product: Credit reporting or other personal consumer reports

XXXX and TransUnion refuse to delete collections, that are inaccurate, and iyts hurting my credit profile and non of the information they reporting is yrue please correct and update XXXX XXXX XXXX is paid in full XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting 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 Name : XXXX XXXX Account XXXX : XXXX and list of Inquiries. 

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 shocked when I reviewed my credit report and found late payment on XXXX & XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Debt collection

On XX/XX/2020 I sent a validation request to Wakefield and Associates certified mail receipt XXXX. To this date I have not received anything pertaining to my request regarding this account, however I continue to get collection calls from the company even though they have yet to validate. I have been called from XXXX as well as XXXX from Wakefield. They both called and made contact with either myself or voicemail. After contacting me/leaving a voicemail, continuing to call the same day is harassment.
Product: Debt collection

To Whom It May Concern : I received a call from an individual from Joseph Mann Creed who was attempting to collect a debt on behalf of XXXX XXXX XXXX. There are several problems. First, Joseph Mann Creed contacted me on my mobile phone using an autodialer. When I answered my phone, I was told to hold by an automated voice. I was then placed on hold for about a minute ( perhaps less ), and was then directed to a lady seeking to collect on a debt. I have never provided any written consent to be called on my mobile phone. Second, I do not owe any debt to XXXX XXXX Rental. This is purported to be for damages on a car rental in XXXX. I asked XXXX to provide me with ( a ) time-stamped photos that were taken from the rental prior to mine, and the rental thereafter, ( b ) at least XXXX estimates for the supposed damage, which I suspect is a scratch, and ( c ) documentation that the car had been repaired since I allegedly damaged it. XXXX refused to provide me with this information, and instead told me that my only option was to dispute the charges with my credit card issuer ( which I did XXXX. XXXX subsequently sent the account to a collection agency.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a concerning issue regarding my credit with your institution. Upon reviewing my records, I discovered several items that do not belong to me. This discovery leads me to believe that my identity may have been compromised. According to section 605b of the Fair Credit Reporting Act ( FCRA ), it is mandated by law that any items found to be opened due to identity theft must be promptly removed from my credit report. As such, I am formally requesting the removal of these erroneous items from my credit report. Furthermore, I want to emphasize the importance of your compliance with the FCRA regulations. If there is any possibility that these disputed items belong to me, I insist on receiving all documentation that bears my signature. According to my research, it is your responsibility to verify with 100 % accuracy that each item is true, accurate, correct, complete, and verifiable. I trust that you will handle this matter promptly and in accordance with the law. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$360.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance {$3400.00} XXXX XXXX XXXX XXXX Balance {$1100.00} XXXX, XXXX XXXX XXXX : {$48.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$1500.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately and updated or i will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contact this company before stating I have no valid contract with them. They sold my debt to another company. I have contacted this company and disputed the debt. I have no valid contract with them. Please cease and desist all contact. Please remove all falsely reported information off my credit reports. Please do not sell this debt for something you have no valid contract on. This is in no way saying I owe this debt.
Product: Checking or savings account

I opened a court ordered custodial savings account for my daughter with JP Morgan Chase Bank. In XX/XX/2021, my daughter became of legal age to access the funds. Since which time I have been attempting to close the account. I visited the branch located at XXXX XXXX XXXX XXXX, XXXX, IL XXXX on three occasions. I was told the documentation provided to me by my lawyer was not sufficient to close the account. However, the bankers could provide no guidance on what documentation was required. 

I went to court on XX/XX/2021 and obtained a signed court order requesting that the hold on the account be released and the account be closed. I provided this documentation to Chase. At which time, I was given no guidance on the process or the time-frame to close the account. It has been several weeks and no one at the branch can tell me when the funds in the amount of {$25000.00} will be released.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per my recent credit report  XXXX  pulled a hard credit check on  XXXX / XXXX /   2016  and opened an account in the sum of {$270.00}.   XXXX  The reported address is  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , IL  XXXX .   XXXX  I did not open or request this account.
Product: Credit reporting or other personal consumer reports

I filed a dispute on XXXX, XXXX XXXX due to the payment history is not accuracte. Experian denied to follow up with the invertsiagtion. I recently was notified that CFPB has filed a lawsuit against the company ( Experian ). They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! Experian has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immedidatly as it's affecting my chances of getting a house. Experian violates my rights as a consumer, as well as a federal laws.