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

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I had submitted a dispute letters to Experian recently and received a response that is nothing more than a stall tactic. The errors on my credit report that were addressed are inaccurate and your refusal to comply with my dispute request is not acceptable. This is your final chance to resolve the inaccuracies on the accounts : XXXX XXXXXXXX Date XXXX Balance : {$0.00} Late/Closed Late Dates XXXX, XXXX XXXX Date XXXX Balance : $ XXXX Late Date XX/XX/21
Product: Credit card or prepaid card

In XX/XX/XXXX I signed up for promotion offer XXXX, spend {$2000.00} and receive XXXX bonus Member ship Reward points. I use several offers with American Express and they usually post a few days after meeting the requirements. On XX/XX/XXXX I received an email stating Thank you for using your American Express Card ending in XXXXX for XXXX Membership Rewards Points Bonus offer. You will have successfully redeemed the offer if your purchase meets the terms of the offer. The purchase or in this case, purchases did indeed meet the terms of the offer. I still have not received the XXXX bonus MR points.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the 2nd time I am filing an Identity theft Police Report. The first time was in XX/XX/XXXX, but I lost the report since it was a little while ago. At the time, I filed the report with an officer over the phone. Also, the accounts I am listing in this report had not appeared in my credit file at the time of my previous report. These accounts were just recently reported. There are a total of 3 accounts which includes 2 collections accounts and also 1 Inquiry. I have never authorized anyone to use my name or  personal information and I have never received any money, goods or services from any of these companies listed below. They are a result of Identity Theft. 
Account : Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Collections : Name : XXXX XXXX XXXX Account Number : XXXXXXXX Date Opened : XX/XX/XXXX Name : XXXX XXXX XXXX Account Number : XXXXXXXX Date Opened : XX/XX/XXXX Name : XXXX  Inquiry Date : XX/XX/XXXX XX/XX/XXXX
Product: Credit card or prepaid card

Ive been an AMEX customer almost for XXXX years. Always paid on time, never lage and even have pay off. They never offered me or approved a line increase. However, they approved me a transaction today they overdrafted my card for {$1000.00}. Isnt best that I get at least an increase of {$5000.00} and I dont get the overdraft message or a mark on my credit score? This doesnt even make sense. They prefer I get overdrafted instead of approving me a line increase.
Product: Mortgage

In XX/XX/XXXX we hired the XXXX XXXX XXXX to help us get a loan modification from Bayview Loan Servicing on a property that houses XXXX very ill people. XXXX XXXX submitted the request on XX/XX/XXXX. Over the next few months XXXX followed up with Bayview and submitted every document that they asked for. Finally on XX/XX/XXXX the account XXXX, XXXX XXXX, told XXXX that they had declined the mod due to our income being too high. He said that the income was {$54000.00} a month. XXXX told him that was not true and that our true income was about {$30000.00} a month. XXXX told her that a request had been submitted to the investor for an exception. XXXX continued to follow up several times a week with XXXX by phone and email. He never answered the phone and she always had to leave a voicemail which was never returned. He never responded to her emails either. Finally on XX/XX/XXXX XXXX emailed XXXX to tell her the loan mod had been denied. He sent her the decline letter which was dated XX/XX/XXXX. The appeal period is only 30 days so XXXX was not even able to appeal the decision. The NPV value used regarding our income was incorrect which could have triggered the decline so we had a legitimate reason to appeal but have been robbed of the chance. The income on the XXXX XXXX XXXX was {$230000.00}. This is not even close to our true income. We now have a Trustee Sale set for XX/XX/XXXX. We do not want to lose this home. It will be extremely difficult to move the patients. It is impossible to get in touch with a live person at Bayview Loan Servicing and we do not want to lose this home. We would greatly appreciate it if Bayview would work with us so we could keep this home.
Product: Debt collection

ILLEGAL COLLECTION. Debt validation was requested from USCB but all of the attempts to get ahold of this company went ignored. However, they keep harassing and calling at inappropriate hours threatening to arrest and garnish wages if not paid but they were never able to validate the debt or to confirm they have the right person. this must be stopped and they need to stop reporting these illegal collections to my credit report immediately
Product: Debt collection

AFNI have committed several federal violations against me, a Private law abiding Federally Protected Consumer. Each violation is a statutory cost of {$1000.00} each, which does not include my personal cost and fees ( which I determine ) for taking time to address these violation. Afni has violated the Fair Credit Reporting Act ( FCRA ) and its implementing rule, Regulation V, by furnishing false damaging misleading information on my consumer credit report.

I have sent a affidavit of fact regarding the laws under title 15USC 1692 and 18 U.S. Code 1341 Frauds and swindles AFNI has violated for attempting to collect a debt. I also mailed an Enforcement action, cease and desist and exhibits proving the violations.

AFNIs consent order requires Afni to take certain steps to prevent future violations and imposes a civil money penalty.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting the agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I previously contacted your company to inform you that I am a victim of a Data Breach/ Identity Theft. I also contacted the Federal Trade Commission and filed an FTC Report which is attached. I DEMANDED to please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX XXXX  XXXX - XXXX My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. UNPROVEN! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. This is being investigated by the FTC. DELETE! 

XXXX XXXX XXXX - XXXX My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. UNPROVEN! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. This is being investigated by the FTC. DELETE! 

XXXX XXXX  - XXXX My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. UNPROVEN! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. This is being investigated by the FTC. DELETE!
Product: Debt collection

On XX/XX/XXXX an Opt-Out letter was mailed to Self Inc and it has come to my attention that according to the Privacy Act of 1974 : ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, " financial transactions '', medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; This includes consumer reports.

( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31.

Again they need prior written instruction of the individual to whom it relates.

-- -- -- -- -- -- -- - 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Debt collection

This alleged debt came to my attention when I was reviewing my credit report as I rarely apply for any credit and was unaware of this negative account. I did file a dispute directly to " Pinnacle Credit Services '', as well as, XXXX XXXX whom initially created this account for someone other than myself. I have never recive any documentation or validation of the account from either Pinnacle Credit Services or XXXX XXXX. Please validated this account as follows : 1. Any and all documentation supporting these creditors claim, including, but not limited to, the contract creating the obligation and any and all statements or invoices created as a result of this account.

2. The nature, date, and amount of the alleged debt. 
3. The current balance you claim is owed.

4. The name, address, and telephone number of the original creditor and applicant that applied for this account.

This ( 1 ) account is being posted as ( 2 ) negative entires on my XXXX and XXXX account by both Pinnacle Credit Services and again by XXXX XXXX.
Product: Credit card or prepaid card

So through credit karma i would be told i am pretty approved for credit cards yet when i apply be denied. That be very misleading and has tarnished my credit instead of helping it.
Product: Money transfer, virtual currency, or money service

My PayPal account has been suddenly permanently limited without any valid reason and the funds inmy account have been put on hold for 180 days. 
I tried to get help from PayPal 's customer serviceteam but they said that they won't be able to help me regarding account restoration.I have been usingthe account for some time now and always work in good faith and follow all the policies and useragreements as stated and agreed upon while I signed up for the account. 

I have taken every step tominimize the risks associated with my account however PayPal still permanently limited my accountstating there's potential risk associated with it. 
I would request any information as to why PayPal feltthey had to limit the account. There is no reason to permanently close my account as I believe I haven'tdone anything wrong that led to its closure.Therefore, I would request PayPal to please re-investigatethe issue and help to resolve it. I am willing to provide any information needed for the investigationand to help restore the account back. I am willing to work with PayPal collaboratively to minimize theperceived risk. I would request you to please help me to get my account reinstated. 

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

XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

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

I did not authorize the following inquiries, nor have I applied for anything and I'm respectfully demanding that these unauthorized inquiries be removed properly and immediately. 

[ 1 ] XXXX XXXXXXXX  ( XX/XX/XXXX ) [ 2 ] XXXX XXXX ( XX/XX/XXXX ) [ 3 ] XXXX XXXX ( XX/XX/XXXX ) [ 4 ] XXXX XXXX ( XX/XX/XXXX )
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Inquiries : XXXX - XX/XX/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
Product: Debt collection

I opened a SECURED, First Progress account in hopes to build my credit up. As a result of me building I was able to obtain better offers and decided to close my First Progress account. 

When my account was opened on the first day First Progress took out money for an annual fee and any other free print fees. My payments were being reported as late since I am only able to mail in a check for payment because I do not use nail pay service with my financial institution. 

I called twice about the matter and finally asked what I needed to do to be done with them and I was told to write in a letter requesting the account be closed effective immediately. 

I wrote the letter and mailed in XXXX mail. I have to date on the receipt which I do not have with me at this moment. However, they took their time closing the account just like they did with my payments and now they want me to pay another annual fee but the card is closed and I no longer wish to do business with them. The interest rate is horrible for money that is out of my pocket. 

I'm a single mother and recently I just tried to obtain a new job and was denied because of the negative remark SOLELY from First Progress. It is still COVID and I was never granted relief from them and as far as I am concerned I have never been late. This is really bad business for them to take on a role of greed like this. 

I asked First Progress to return a late fees which cause my account to go over as well as the XXXX $ annual fee, but instead was told that my credit would be ruined if I do not pay and the longer it took the worse it would get. 

I do not have the money to give them. Especially since they just costed me a job that I have been working towards for months. This is unfair business practice and I need more resources to verify the information that I have to provide. I have cancelled checks bank statements and postal receipts. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is about me and my businesses. I have my business checking accounts closed by theXX/XX/XXXX XXXX XXXX due to Fraud. I requested reports from me and my business and noticed sinceXX/XX/XXXX 2020 several repeated inquires of CAPITAL ONE. I want these inquires to be remove from my personal report and my businessesXX/XX/XXXX EIN XXXXXX/XX/XXXX XX/XX/XXXX EIN XXXX XXXX XXXX XXXX XXXX XXXX I have my bank accounts closed in this financial institution. 


XXXX # XXXX
Product: Credit reporting or other personal consumer reports

Subject : DEMAND DELETE INMEDIATLY INQUIRIES UNAUTHORIZED UNDER CREDIT REPORT I recently reviewed my credit report and found unauthorized inquiries. 
I have contacted the CREDITORS BELOW AND THEY HAVE NO PROOF THAT I INITIATED SUCH INQUIRIES, NO WRITTEN AUTHORIZATION, and have provided no permissible purpose. Since they have no authorization from me, either written or verbal. 
I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. Pursuant to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In General. Subject to subsection ( e ), any consumer reporting agency may provide a consumer report under the following circumstances and no others. ( F ) otherwise has a legitimate business need to obtain the information ( 1 ) in connection with a business transaction initiated by the consumer.

Per 15 U.S. Code 1681i, Paragraph ( 5 ) Handling of Inaccurate or Unverifiable Information ( A ) In general. If, after a reinvestigation pursuant to paragraph ( 1 ) of any information disputed by a consumer, an item of information is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency shall : ( 1 ) promptly delete.

ADDICIONALLY, Pursuant to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify ( by physically verifying the original signed consumer contract ) each and every INQUIERES you list on a credit report. Otherwise, anyone who pays for your reporting services could fax, mail, or email a fraudulent account.

I demand that you show me verifiable proof ( an original consumer contract with my signature ) that you have on file for the accounts listed below. Your failure to positively verify these accounts has affected my ability to obtain credit. Under the FCRA, unverified accounts must be removed, and if you can not provide me with a copy of the verifiable proof, you must remove the accounts listed below. 

I demand that the following INQUIRIES be verified or removed immediately. 
The following inquiries are not authorized : Creditor : XXXX XXXX XXXX XXXX. date of inquiry. XX/XX/year> XXXX XXXX XXXX, acce date XXXX XXXX XXXX XXXX Date XX/XX/year> XXXX XXXX XXXX XXXX XXXX Date. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX y XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date. XX/XX/year> XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date. XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Date XX/XX/XXXX y XX/XX/XXXX XXXX XXXX XXXX XXXX. Date XX/XX/XXXX y XXXX XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX XXXXXXXX XXXX. Date. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Date XX/XX/XXXX XXXX I appreciate your prompt attention to this matter and look forward to receiving a response within the timeframe required by law. 

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

I have a situation where Home Depot is reporting on my credit for a transaction that was cancelled. This transaction is now reporting on my credit and hurting me both financially and personally. I have been writing home depot for years now and they continue to report this account while in dispute and their intent is to hurt and damage my credit reputation. 
At this point I am in correspondence with an FCRA to look at how the bureaus handled this investigation and he will investigate home depot 's process into this issue. This is an account that was charged interest and fees for a cancelled transaction. This is a disputed inaccurate account that is on my credit and needs to be removed. This is an violation of several laws including section 1681 ( i ) ( a ). There needs to be a reasonable investigation into this dispute matter AND its the bureaus responsibility to go beyond the original source. 
Please see attached information.