23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Had problem getting online with credit card. Went into branch and PNC person got card accessible online. Asked PNC person several times if balance transfer was an option. Continually the person indicated that balance transfer was an option, but the fee would be 5 % of the transfer amount and that if the balance was not paid for within 12 months interest would be charged from when the balance transfer was initiated. When the transfer was made PNC began charging interest from the beginning. When the transfer was initiated. I have tried to converse with the company on several occasions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  continue to place a deficient on tradeline. Requested company to verified debt. Company failed to comply to FCRA Guidelines. Requesting removal off Credit file.
Product: Debt collection

The account is very old they have false info on my report this account was removed two years ago when I disputed it before they added it again no mail was received with false dates and false amount due
Product: Debt collection

On XXXX XXXX, XXXX, I sent IC System Collections a certified letter requesting validation of a debt they say I owe. The said letter was received on the XXXX day of XXXX. In that letter I asked that they validate the debt within 30 days ; However, I never got a response from IC System. 
As stated in such letter, I requested any debt that could not be validated, be removed from all three bureau 's in which it is being reported. There are XXXX accounts with this company that is being reported negatively with the bureaus. Having this report negatively and not being validated per my request, within the timeframe, is a direct violation of my FCRA RIGHTS. Because of IC Systems failure to validate a debt in a timely manner, I am asking that the accounts be deleted from all reporting agencies. 

Thanks kindly
Product: Mortgage

I would like for SPS to stop the XX/XX/XXXX XXXX sale date. SPS told me that the XXXX is working with XXXX to resolve the lawsuit. My house is tied up and litigation. I has a third party XXXX to speak with the foreclose XXXX about this matter through litigation.
Product: Credit reporting or other personal consumer reports

Company/Date : 1st Franklin Financial XX/XX/XXXX XXXX XX/XX/XXXX The company listed above i noticed unauthorized inquiries on my credit report.
Product: Credit card or prepaid card

Im XXXX when I lost my job I inform XXXX  XXXX that I need assistance and I placed a credit protection to pay the minimum payment. in XXXX they close my account because my payment was returned but I placed a credit protection so thats shouldnt happen because I have credit protection so they remove the credit protection without notifying me and that cause card to be closed and also become delinquent from then also they never give me any accommodation from the law 15usc 1681S-2 ( A ) ( 1 ) ( F ) and they damage my credit score I attached to documents below one where is show credit protection and the next month no credit protection or that the credit protection was remove
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous inquiries. I think you have not validated these inquiries in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

Equifax knows I was involved in thete data breech I have sent my expenses they are avoiding my payout my civil rights are being violated because I'm XXXX
Product: Debt collection

In year XXXX, I had taken a loan amount of {$62000.00} to open up a restaurant in New York. Initially I was delinquent on my payments because my business was n't doing good. In XXXX, I was approached from debt collector company called XXXX XXXX XXXX XXXX ( Bank of America ) and was given the chance to consolidate {$60000.00} of my debt to {$21000.00}. I took the opportunity and paid off the debt in the following two years. I have a settlement letter and bank statements showing that money was taken out of my account. Two weeks ago, I got served with a Foreclosure notice from Debt Collector company XXXX XXXX XXXX XXXX XXXX ( Bank of America ) requesting an amount of {$62000.00} to be paid off or they will foreclose my home to collect the debt. I want to file a complaint against XXXX XXXX XXXX company for attempting to collect debt that was already paid off.
Product: Debt collection

Contacted XXXX time on XXXX/XXXX/16 regarding a debt for {$800.00}. I spoke with the collector telling him I was unemployed, but would try to set up a payment plan when I get some income. He said he would note the account. XXXX/XXXX/16 I was contacted again by the collection agency telling me that I had a debt and it needed to be paid. I told this collector that I had already spoke to another guy at his company and if he would have read the notes he would have seen that I said I 'd call back whenever I was able to pay them and I instructed him to not contact me again. He was very rude telling me i needed to explain my situation to him and i again told him that it was in my account notes in their system. He said let me give you a number where you can call us back, and I said no thank you I will look the number up when I call back. XXXX/XXXX/16 I received another phone call from a collector regarding this same debt that I had already told them to not call me back. I am being harassed over this debt when I have no possible way to pay it at this time.The XXXX collector I spoke with was very nice and understanding, they just keep calling me. I know my rights and the laws and they are violating them. 

Hunter Warfield Collections XXXX, Florida
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am filing this complaint to bring to your attention Experian 's non-compliance with multiple provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681i ( 5 ), and 15 USC 1681c ( c ) .Since XX/XX/XXXXXXXX XXXX XXXX I have sent multiple dispute letters to Experian regarding inaccurate information on my credit report. Despite my efforts, Experian and its agents have failed to conduct proper investigations and remove the following inaccuracies : XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX... 
Balance : {$20000.00} as of XX/XX/XXXX Date Opened : XX/XX/XXXX XXXX XXXX Account Number : XXXX... 
Balance : {$780.00} as of XX/XX/XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX Account Number : XXXX... 
Balance : {$920.00} as of XX/XX/XXXX Date Opened : XX/XX/XXXX Status : Charged off ; {$920.00} written off and past due XXXX XXXX Account Number : XXXX... 
Balance : {$380.00} as of XX/XX/XXXX Date Opened : XX/XX/XXXX Status : Charged off ; {$380.00} written off and past due XXXX XXXX XXXX Account Number : XXXX... 
Balance : {$68.00} as of XX/XX/XXXX Date Opened : XX/XX/XXXX Status : Charged off ; {$68.00} written off and {$18.00} past due XXXX XXXX XXXX XXXX Account Number : XXXX... 
Status : Paid, Closed XXXX XXXX XXXX Account Number : XXXX... 
Status : Paid, Closed I recently learned about the lawsuit CFPB filed against Experian for sham and faulty investigations of credit report errors. My experience mirrors this, as Experian 's failure to properly investigate my disputes has caused significant harm, including lost work opportunities, credit denials, and housing challenges. I respectfully request CFPB to ensure that Experian complies with FCRA requirements, conducts thorough investigations of my disputes, verifies the information with XXXX where applicable, and deletes all listed inaccuracies. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX NOTE : I only go by XXXX XXXX XXXX not deviations please update my name as well.
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. 

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 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 or 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 calls to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Citi is sending harassing letter told not to contact back in 2017 per NDR! Also sent letters to Credit Agencies and Creditors but still negative reporting and having third party contacting me for a debt no longer owed or under contact since 2017!
Product: Credit reporting or other personal consumer reports

My rights enacted by the FCRA, FBCA and privacy act are in violation by the unaffiliated 3rd party ( s ) this complaint is going to. For items that have been placed on my credit report. I have included attached documents of these items. As for 15 USC 6802 B and C. I was never provided the knowledge of the opportunity to opt out of my personal information being reported. I then was also not provided knowledge and instructions on how to opt out of my personal information being reported. In addition I have late payments that are being listed that were never verified and violating my rights for 15 USC 1666 B. Both the credit furniture and reporting agencies are in violation of these acts. They are unable to provide adequate verifiable proof. Which has also been attached in the documents uploaded, providing exact types of acceptable proof to have it considered verified. Lack of this acceptable proof based on the claim is lack of Corporate Compliance and a crime. If the proper recordings matching the letters are not rectified within 30 days and updated immediately with proof of the update. I will next exercise my rights to take legal actions. Since both parties are currently the acting fiduciary agents over my entrusted interests and information. I will take this to federal court to seek the highest claim to the Federal Reserve Act section 29.
Product: Debt collection

I am seeking help to rectify an unfortunate situation involving identify theft and a collection company that will not cease collection attempts after I already supplied them a police report stating identity theft. I received a bill from XXXX a few months that I disregarded, because I am not a XXXX customer and thought it was scam trying to get me to pay. Then, I received a letter from Convergent XXXX stating I had been sent to collections and the debt hit my credit report. I immediately filed a police report ( attached ) and have followed up XXXX times with them to get this resolved. Nobody is responding to my emails and I can not reach their phone system, yet I'm still receiving their letters in the mail demanding payment. This is very unethical and I need help to stop the process so I can remove this fraudulent debt from my credit.
Product: Credit reporting or other personal consumer reports

PLEASE SEE SUPPORTING DOCUMENTATION PERTAINING TO THE EQUIFAX DATA BREACH.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, & Equifax continue to report an account incorrectly. I previously disputed the account XXXXXXXX XXXX Account # XXXX and each consumer agency stated they verified the account but neither consumer agency sent me documents or any information to prove they did a reasonable investigation furthermore the account is listed twice on my report which this means this is causing my credit scores to be reported incorrectly because this account is lower my utilization by listing it twice. Federal law states you have to have proof to report information onto a consumers credit report and they have no proof which is why they did not provide proof. This is my final attempt to get this account removed or provide me with the evidence you used or the person you spoke to who stated this information was verified. I request you upload it in the portal do not attempt to stall by saying you will send me mail because I have no received any response from my previous complaints.
Product: Student loan

I was on hold for XXXX hour and XXXX XXXX minutes on a call to Mohela. I had to hang up and didn't get to speak with anyone except recorded messages or XXXX  if that. Not cool. I know its busy but this is unreasonable. I know the government is paying them well to service these loans. Hire more people please. Call was on XX/XX/XXXX about XXXX XXXX
Product: Credit reporting or other personal consumer reports

My Experian consumer report is being blocked by Experian. They claim that they have different personal information on file for me, causing the block. Yet when I have provided them with identity verification through the mail, they still refuse to release my consumer report. 
I spoke with them numerous times and they claim my report is available and they do not see any conflicting information. Yet, my report is still blocked and they refuse to do anything about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a follow up dispute to Equifax in regard to their response of a verified bankruptcy I viewed on a XX/XX/2020. My request was for proof of their investigation that came back as verified. To this date I have not received a response to the dispute. It past the 30 days allowed according to the FCRA and I request the bankruptcy to be deleted immediately.
Product: Credit reporting or other personal consumer reports

Dear XXXX I am writing to address blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), the XXXX XXXX Code under Sections 392.301 and 392.305, and identity fraud laws, specifically XXXX  XXXX Code Section 32.51 XXXX 
It has unequivocally come to my attention that XXXX has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, Texas state law, specifically Section 392.301 of the XXXX XXXX XXXX, emphasizes the necessity of consumer consent for credit reporting. Furthermore, Section 392.305 of the XXXX XXXX XXXX establishes clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity fraud laws, such as XXXX XXXX Code Section 32.51, underscore the severity of unauthorized access and misuse of personal information. 
I assert with unwavering certainty that I have not provided consent for XXXX to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 
I demand, with the utmost certainty, that XXXX immediately XXXX any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 392.301 and 392.305 of the XXXX XXXX XXXX. Failure to comply within the stipulated XXXX timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 
I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, Texas state law, and identity fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 
I anticipate your immediate attention to this matter and expect that XXXX will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

XXXX.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settle with insufficient balances deposit initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Vehicle loan or lease

I surrendered my XXXX  XXXX XXXX. Capital one sold the vehicle but did not provide me information. Capital one listed a total due of {$9900.00} dollars remaining of the vehicle loan. However they recently closed the account after I demanded them to stop contacting me in regards to this debt until they can provide the sufficient validation for the alleged amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have on 3 occasions reached out to XXXX, XXXX, AND EQUIFAX  and asked for them to investigate an item on my bureau. The item in Question is a XXXX  account # XXXX. They responded to me the first two times and the third time I didn't receive a response at all. My issue is that there are three separate date last active showing up for this account.This is a violation of FCRA because they are re-aging my account by almost a year. They say they have investigated. I have asked how and what method they used to investigate, and their answer is just " been verified ''. I need help on removing this information or getting it corrected.
Product: Checking or savings account

I have been denied a business bank account, without no further explanation on the basis of my age and source of income. I was not able to even provide documentation of proof that my business is legitimate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed several inquiries on my credit report after I pulled my report.

on XXXX  there is 3 inquiries I have no knowlodge ofXX/XX/XXXX XXXX XXXX  XX/XX/XXXX bloomingdales XX/XX/XXXX XXXX.

on XXXX and XXXX I noticed the same items ... I am asking that these items be removed from my credit report ... I have no knowledge of these inquiries and it is preventing me from getting my house ...
Product: Money transfer, virtual currency, or money service

A friend wanted to help me out financially and transferred money to me through PayPal. This has happened before. He knew that it needed to be clear that it was not for goods and services, but the button for friends and family was inconspicuous so he just added a not that said " gift. '' Paypal too over XXXX dollars as a fee, and would not budge, even though it was notated as a gift. Then I though I could just reverse it and explain to my friend that he had done it wrong, and to do it again, but the refund was not seen as a reversal, so they have sent a withdrawal request to my bank for the entire amount, which I do not have, then refused to cancel that transaction. They do not care that it was not for goods and services, and will not do anything to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items need to be removed and blocked as they are fraudulent. 
XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account XXXX : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/2007
Product: Credit reporting or other personal consumer reports

To whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Equifax Credit Report.

15 USC 1681e ( b ) Compliance and Procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy of completeness of the information/account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the account listed below. 
I demand that the following account be validated or DELETED immediately : XXXX. XXXX XXXX XXXX. XXXX XXXXXXXX XXXX In addition, DELETE all non-account holding inquiries over 30 days old.

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby required as well, to ve provided within fifteen ( 15 ) days of the completion of your re-investigation.
Product: Student loan

I sent Citibank a Cease and Desist in XXXX or XXXX. They have violated it twice this month, including when the Trump Administration had the loans on pause for collection. They have already been sent a Cease and Desist in the past and are harassing me again. What do I do?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am being violated by TransUnion as they are reporting information on my consumer report not in accordance with my written instructions infringing upon my rights as a consumer pursuant to 15 USC 1681. I have sent them an affidavit of truth stating the issues and how to immediately remedy the situation. I have received no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey, My name is XXXX XXXX. I have a huge problem that I am hoping you can help me solve. I have disputed with the credit bureaus and the collection agencies and creditors multiple times because they are reporting negative inaccurate information on my credit report. They are refusing to remove this information even though I have shown valid proof that it is not 100 accurate according to the FCRA. 

Please remove these accounts from my credit profile because they are not 100 accurate and it is causing me a great deal of harm.