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

There are numerous amounts of errors on my XXXX, XXXX, and Experian consumer report ( s ) that shouldn't be on there and are in direct violation of the FCRA. Including but not limited to wrong account numbers/ social security numbers that aren't even mine associated with various accounts, it's showing personal information that is non-public information that shouldn't be shared, any financial balances shouldn't be shown on my consumer report as this is a violation as well. 

I was also a victim of the data breach. I have sent XXXX Experian a dispute letter along with two forms of identification including a copy of my Driver 's license and my Social Security Number. They sent me a letter back requesting me to send in what I have already included. They are clearly playing games. 

What I need from XXXX, XXXX, and Experian is for them to remove any and all violations. As well as send me a check in the mail for the amount of {$30000.00} for knowingly and willingly violating my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request XXXX and Transunion the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 
XXXX XXXX Date Opened : XX/XX/2016 Balance : {$5600.00}
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor ( XXXX XXXX XXXX  ) has violated my rights. Under 15 USC 1681, section 602 states I have the right to privacy.

15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions.

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

I like to file a complaint against XXXX XXXX for reporting inaccurate information on my consumer reporting file. They are reporting a bankruptcy that is inaccurate. When I contacted the Bankruptcy court listed on my credit files I was told " XXXX XXXX has no jurisdiction over credit reporting agencies and does not report to any of the agencies. The bankruptcy petition, schedules, and other documents are public records. Credit reporting agencies regularly collect information from cases filed and report the information on their credit reporting services. '' The Fair Credit Reporting Act ( FCRA ) which is a federal law regulates credit reporting agencies like XXXX XXXX and compels you to insure the information you gather and distribute is a fair and accurate summary of a consumers credit history. Under the FCRA you must investigate inaccurate, outdated, and unfair items on a consumers credit report. Doing further research on my part you perhaps get Public Record information from Public Access to Court Electronic Records ( PACER ). This however is not sufficient legal proof under the FCRA. The best way to do that would be for my social security number and date of birth to match yours, but its impossible because of Rule 9037 of the Federal Bankruptcy Rules. Rule 9037 addresses privacy and security concerns arising from filing documents, whether electronically or in paper format, in a bankruptcy case. Specifically, Rule 9037 requires the redaction of specific personal identification information ( i.e., Social Security and taxpayer identification numbers, names of minor children, financial account numbers, and dates of birth ) from unsealed documents filed with the court, as well as other private or sensitive information identified by the court for cause. To address the privacy concerns resulting from public access to electronic case files, Federal Rule of Bankruptcy Procedure 9037 requires that certain personal identification information be redacted from documents filed with the court. Filings that contain an individuals social security number, tax payer identification number or birth date, the name of a minor, or a financial account number may include only : The last four digits of the social security number and tax identification number, the year of the individuals birth, the minors initials and the last four digits of the financial account number. This makes it impossible for you to say with certainty that the Bankruptcy is in fact belong to me. I demand you to remove this bankruptcy since you are willfully and knowingly providing false information and therefore are in violation of the Fair Credit Reporting Act. Per Federal Law you have 30 days to remove this bankruptcy from my credit report.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



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

I have sent several disputes in the past to have the account under XXXX XXXX XXXX removed from my credit reports due to being inaccurate. I contacted XXXX XXXX XXXX to dispute the information as well and have yet to receive a response. The latest letter I sent to XXXX, XXXX and Equifax to exercise my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request " a description of the procedure used to determine the accuracy and completeness of the information ... ect. Neither XXXX, XXXX nor Equifax, have provided me this information in the 15 day time period allowed and I am making this complaint to show abuse, bias, and prejudice by them not affording me my rights under the FCRA or deleting the information from my credit report.
Product: Debt collection

Wakefield and Associates to which is the debt collection company in this matter was paid in full on XX/XX/XXXX for a medical debt of {$100.00}. This item was reported on all three of my credit reports as a collection by a Collection Agency/Attorney. The original debt belonged to XXXX XXXX XXXX XXXX XXXX and was told it would be updated for removal and it would take up to 30 days to post. As of XXXX of XXXX, it was removed from 2 of the major bureau but continues on one of the major reporting companies. When I contacted the collection company on XX/XX/XXXX, the Agent on the other line was aggressively rude stating they will not update the XXXX balance item for removal as stated before. They do not do reporting of updated information as the original owner requested. I informed her the original owner of the debt stated they were to do so being I paid the item in full to which was asked of me. She then preceded to state this is not what they do and they will not update the information again. I then asked for a copy of the letter to which they claimed to have sent to me and was told they would not resend the letter. The item is still reflecting in their system but paid. The customer service professional was very unprofessional although I understand with the pandemic going on people are frantic. Yet, there was no need for her unprofessionalism.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is XXXX  % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) 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 CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the accounts, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX, XXXX XXXX ...., XXXX XXXX XXXX ...., XXXX XXXX XXXX ...., XXXX XXXX XXXX XXXX ...., XXXX XXXX XXXX XXXX ...., XXXX XXXX XXXX
Product: Checking or savings account

The bank business representatives called me they asked me go their branch to talk about improve my business. We made an appointment lve went the branch business rep. Told me he can get a loan for my business. Ive recently purchased XXXX XXXX  for my business and l said loan would be good if l can. The applied for me and asked {$40.00}. After couple days they called me for phone interview and he said at the end you are approved {$32.00}. I was waiting for last paper lve forgot the put my name. Ive called this morning to ask them to mail the missing paper. We agreed she said she will mail me l will sign and mail them than l will be able to get a loan. Nothing was wrong until there. Before l hang up l said why l wouldnt get what we asked why lve got {$32.00} She said l will connect you different dept. You can ask her. She connected me lady on the phone asked million question and lve spent on the phone over 1 hour. After that long phone talk she didnt raise the amount she totally canceled the loan. 
I just dont understand why they wasted my time, what kind a business mentality is that? Couldnt they find another person to play with it? What they want from working person like me? I really want to know whats wrong with them?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have placed a fraud alert with all credit bureaus as of XX/XX/XXXX. I received a copy of my credit report to see that the same companies, sometimes up to 3 or  4 times a week were placing inquiries on my report that i have NOT requested. I called each bureau, without success, so am hoping on some time of relief as the multiple inquires are placing burdens on my accounts. I am not sure if my information was affected in the multiple breaches there have been. They are below. Thank you *XXXX XXXX XXXX XX/XX/XXXX ( 3 separate occasions on this ONE date ) *XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX *XXXX on XX/XX/XXXX *XXXX on XX/XX/XXXX *XXXX XXXX on XX/XX/XXXX *XXXX on XX/XX/XXXX *XXXX XXXX XXXX XX/XX/XXXX, and XXXX on XX/XX/XXXX *
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX i faxed a letter to Experian about inaccurate, non verifiable bankruptcy information reporting on my credit report. it is now XX/XX/XXXX and still no letter, no email, no response, no change in my Credit Report. I also sent the same letter, on the same day to XXXX, and XXXX whom responded and removed that information from my report.
Product: Debt collection

CRA violation, no knowledge, inaccurate account on my Experian credit report. 
FTC ID Theft Report # XXXX
Product: Mortgage

I am formally disputing Specialized Loan Servicings ( SLS ), denial of a loan modification in the year XXXX, as well as continual harassment of sale dates while amid COVID-19 and State mandated eviction moratoriums causing tenants to not able to make their rent payments. As well, I am disputing their illegal, irresponsible activity of placing continual sale dates while they are informed of the severe hardships, we are enduring within XXXX XXXX due to the flooding and snowstorms to which my home had XXXX feet of water in it on XXXX separate dates, starting on XX/XX/XXXX, back-to-back, and then current snowstorms. I am working with XXXX, my insurance company and the City of XXXX currently to restore the property according to these experts during this declared XXXX State of Emergency. The last thing I need to contend with are sale dates! 

I applied for a loan modification in XXXX and I was denied on the grounds that SLS had no available options for me to keep my home. I would think between COVID-19 and the severe flooding/weather disasters we are dealing with currently, that SLS would find some program to help me through this. 

As per our Washington Governors latest state laws : Washingtons Governor Inslees Eviction Ban Proclamation, extensions, bridges currently are set to end XX/XX/XXXX, but upon expiration, has placed Ordinance XXXX which will take effect XX/XX/XXXX providing additional tenant protections including the start of a XXXX-month period in which a renter may claim a defense against eviction for non-payment of rent if they can demonstrate financial hardship due to COVID-19. This timeline protects tenants from evictions for non/late payments through midXXXX XXXX. 

Until my property is restored, and the City of XXXX allows my tenants to move back into their units and they can keep a job to pay rents, I am asking for forebearance relief, possibly a reduction in principal as well as a decent loan modification as I work daily to clean up this mess and try to rebuild after such a disaster on top of COVID-19. 

Most landlords are walking away and leaving this mess for the mortgage companies to deal with. I decided to work through this and restore my property the best I can and for this effort have been harassed with sale dates and told SLS has NO RESOURCES to help me out.
Product: Credit card

I have a XXXX XXXX credit card through Synchrony bank. I received a letter stating they were now going to charge {$1.00} for paper statements and a new promotional fee. The letter stated that if I wanted to reject the terms I could but I could not make anymore transactions. Seeing this as reasonable I called the provided number. The automated system only provided 2 options, accepting the changes or closing the account and paying the balance. Frustrated, I called the Synchrony customer service number on my statement. After 10 minutes I finally got to a representative who did not know how to reject the changes the way the original letter provided. After repeatedly asking to be transferred to someone who did know how to do it, I was transferred to a manager in the US. She did it in a couple of minutes. I am filling a complaint because Synchrony has made the process to reject the changes overly cumbersome, which will result in other consumers being forced to pay new fees that were not disclosed when promotional purchases were made. If I hadnt been persistent, the new terms would have cost me an additional {$120.00} in fees on my five year zero interest loan. Which is ridiculous.
Product: Money transfer, virtual currency, or money service

I transferred {$3200.00} on XXXX from Relay XXXX  ( XXXX XXXX  from a there business account to my personal account. Money was never received they keep the money even after providing documentation that they requested. I asked to cancel the transaction they wouldnt do it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been challenging the accurate reporting of this Bankruptcy being reported on my credit with the 3 bureaus for about a year ... Each time items come back verified ... .how is this possible ... i am attaching items being reported on my credit report that state right on the credit report that they are included in a bankruptcy ... looking on pacer.gov this bankruptcy was discharged XX/XX/2015 ... ..these items need to be removed off my credit report ... .Also looking at this bankruptcy that they are reporting the reference numbers do not match 100 % as it is being reported on pacer.gov ... the court does not match either ... how can they continue to report this inaccurate information on my report? ... They have not conducted a proper investigation ...
Product: Credit card or prepaid card

I open a Macy 's credit card and never got it to my address I never got that welcome package I called them for the last few months I was approved for it but never got it
Product: Payday loan, title loan, personal loan, or advance loan

Dear CFPB Representative, I am writing to dispute and complain about the business practices of Kickoff Inc. regarding my credit account with them. Despite my requests, Kickoff Inc. has failed to provide clear disclosure of the terms and conditions of my credit account, insufficient validation of the debt, and potential misrepresentation of their services. 


I have attached a copy of my correspondence with Kickoff Inc., which includes their response to my dispute. I believe that Kickoff Inc. has violated the Fair Credit Reporting Act ( FCRA ) and potentially other consumer protection laws. 


I respectfully request that the CFPB investigate this matter and take the following actions : 1. Request that Kickoff Inc. delete the disputed account from my credit report. 
2. Ensure that Kickoff Inc. provides clear disclosure of the terms and conditions of their credit accounts. 
3. Verify that Kickoff Inc. has sufficient validation of the debt and is not engaging in potential misrepresentation of their services. 


Please find attached the following documentation : - Copy of credit account agreement ( if available ) Thank you for your attention to this matter. I look forward to your response and resolution.
Product: Checking or savings account

I was unable to access my PNC online banking at the beginning of XXXX. I called PNC customer support right away and then I have been told to wait someone would call me and provide more information about current issue on my account. I missed the call from PNC at the earlier morning, and I got the email from one of retailer managers on XX/XX/2022 asking me to provide a good phone number or call by phone at XXXX, extension XXXX to discuss the matter further. However, no one replied to my followup email, and no one returned phone calls to me, at the same time, I am unable to login my online banking to review transactions history also transfer my funds to my banks. 

Today, I just called PNC customer support again, there is no useful information has been added to my case in the past of XXXX  months, and I have been told that I have to wait few more months or a year to get my account closed by itself, and there is no way to close my account currently which means I am unable to access my online banking to withdraw my money until it get closed.
Product: Credit reporting or other personal consumer reports

I have previously contacted XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX regarding a loan that has been discharged. I received Copy-B of a 1099-C and the alleged debt is now income. I do not owe any debt to any of these parties. Pursuant to 15 USC 1681a, a consumer report does not include information solely as to transactions or experiences ( ie. payment history, charge off status ) between the consumer and the person making the report. Furthermore, 15 USC 1681s-2 states that 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. No one can collect on a discharged debt. Income can not be reported on a consumer report. The IRS defines a charge off as income, income does not get reported on a consumer report, meaning the reporting of the account is inaccurate. All parties have been put on notice that they are furnishing inaccurate information. XXXX XXXX XXXX XXXX also violated the agreement by sharing my information with nonaffiliated third parties. I have no contract with XXXX XXXX XXXX or XXXX XXXX XXXX XXXX and do not owe them any debt. Under the Privacy Act of 1974, I have a right to privacy. Im  revoking any and all authorization I, the consumer, may have given them written, non written, verbal, and nonverbal per 15 USC 6802. XXXX XXXX XXXX shall promptly return all Federal Reserve Notes I have mistakenly sent them per XXXX XXXX XXXX. XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX shall stop contacting me about an alleged debt.
Product: Debt collection

I contacted : NATIONAL CREDIT SYSTEM and an employee told me that I had to stop by the XXXX XXXX XXXX office. And resolve that charge of : {$410.00} with them and request a letter stating that said debt does not exist. The next day I went to said office and spoke with XXXX XXXX and she told me that they no longer have information on my payment history and there is no information in the systems. Since the company : XXXX XXXX took the computers and files, I asked her if I had the address and telephone numbers and I didn't have them. How is it possible that they are collecting a debt that I can not refute?