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

I hereby file this complaint as the servicer of my student loans is once again destroying my overall credit rating without provocation. As you can see from the several postings on all of my credit reports, the problem is very simple to understand. XXXX XXXX XXXX has the worse history in dealing with the public. My payment history would show a perfect payment history, then suddenly in XX/XX/XXXX, or XX/XX/XXXX they would report up to 11 student loans as an immediate 60-days late, then up to 120-days late for several months, then back to paid on time. All of these loans were deferred and were never in a payment mode. Then once again starting in XX/XX/XXXX they would report all loans as 60-days late, all the way up to 120-days late, then a paid on time rating. All of these loans were always deferred, and now I am consolidating what remains on student loan obligations so that I can finish up my XXXX XXXX in XXXX XXXX. XXXX XXXX XXXX is destroying my credit history. XXXX XXXX XXXX has a contractual agreement with all three credit bureaus. That agreement, called a subscriber agreement, is very clear that the credit reporting entity must abide by the rules and report properly. This is not the case in this matter. XXXX XXXX XXXX is not only destroying my credit, but at the same time they are violating my rights under the Fair Credit Reporting Act. This practice is nationwide where XXXX XXXX XXXX has no concern for the general public. I need this to come to an end, and I need the late payment history deleted completely. I have once again filed a hard copy complaint to XXXX XXXX XXXX, but I anticipate that they will do nothing to clear my payment history. I will follow through with complaints with the Office of Attorney General, Commonwealth of Massachusetts next. I need my payment history fixed immediately!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights : 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANKRUPTCY XXXXXXXX XXXX XXXX BANKRUPTCY XXXX XXXX XXXX XXXX XXXXXXXX BANKRUPTCY XXXX XXXX XXXXXXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX Inquiry Date XX/XX/2020 ; XXXX XXXX Inquiry Date XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX XXXX to get tv service. While I was trying to set things up I was told that there had already been an account open under my name and that it had a outstanding balance due. I explained to them how incorrect that information was, but they told me that there was nothing they can do. My identity has been compromised and I decided to get my report pulled to see what was happening. I found several unknown accounts that are not mine except the XXXX  XXXX account they informed me about, maybe it still has not been reported, I'm not sure. Please get these fraudulent accounts off my report.
Product: Credit card

My credit score was XXXX and then I got a alert saying that XXXX points drop off my credit score cause a inquiry was on my credit score cause a account was placed on XX/XX/year> that I had a account open for capital one for a credit card that I never received or signed up for so I called Capital One and they said they would cancel it out and to let XXXX bureau to know that there was a fraud report and that they capital one is going to cancel the card and account so I called XXXX bureau and they told me to make a report on www.ftc.gov and here I am making a report to get my points back on my credit score please and thank you.
Product: Credit reporting or other personal consumer reports

Per the FCRA, I XXXX XXXX as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 to report my information to a third party, effective immediately and indefinitely. Please update account to PAID AS AGREED. I understand that the debt has been charged off/certificate of indebtedness and can not be reported to my credit report. I am requesting compensation {$1000.00}, for every violation. 
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states ( Permissible purposes of consumer reports, you can not report transaction history ). 
" There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, Transunion and XXXX etc. are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of that customer nonpublic personal information. '' Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. '' I am opting out of the reporting services listed above as well as your company. 
Privacy Act of XX/XX/1974 the Privacy Act of XX/XX/1974, a law that protects the privacy of individuals by regulating the collection, maintenance, use, and disclosure of their records by Federal agencies. 
15 U.S. Code 1681n - Civil liability for willful noncompliance for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. 
313.1 Purpose and scope. 
( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15.

433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

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 XXXX XXXX XXXX. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX States I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX States : no consumer reporting agency XXXX 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. 

XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) 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 reporting, credit repair services, or other personal consumer reports

XXXX XXXX sent formal dispute letters to state formally I dispute all negative accounts on my credit report. XXXX XXXX sent more letters which required all negative accounts to be removed because the negligence to report correctly as stated in the Fair Credit Reporting act and negligent to provide me with any verification of admission of debt. It has been passed 60 days since my first letter and yet been able to remove negatives from my credit report thus breaking the law.
Product: Mortgage

XX/XX/2021 Made an application for {$280000.00} mortgage with PNC bank XXXX XXXX, VA. Worked with loan officer daily supplying income information, savings, employment, etc. Followed our progress on the PNC loan tracker. Lead to believe all is well. Then denied XX/XX/2021, due to excessive obligations in relation to income. My wife and I had a combined annual income of some {$150000.00}. Current home was paid in full. No debt except for one auto loan. Substantial savings. My credit score was XXXX. Her credit score was XXXX. We were NO RISK. 

The same day I wrote you I wrote PNC and ask for a detailed explanation. To date I have NOT received any response. I believe it wasn't until they realized our age. I am XXXX. My wife is XXXX we were then denied.
Product: Credit reporting or other personal consumer reports

I'm trying to purchase a property and my credit report reflected a credit card I never applied for and never used. I informed Capital One. They refuse to remove from my credit report and trying to force me to pay credit card bill. I refuse to pay for their mistake. Capital One is allowing people to get credit cards in other people 's name and forcing victims to pay. I'm a victim of fraud. I requesting information to be removed from my report and my name made whole.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am still having a very very difficult time with Equifax lowering my credit score now two times once in XXXX of 2022 and now the most recent time in XXXX of 2022 and each time the score dropped XXXX points each with no major changes to credit report. They are not being monitored for their unethical practices and calculations of individuals credit scores. There was nothing in my credit report to drop XXXX points Equifax just pulled a number out of the air and that was the number. This is why Equifax is in the national news for this very same reason about reporting individuals inaccurate credit scores, that I filed a complaint about in XXXX of 2022. The other two credit agencies did not lower my score by XXXX points.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and identified errors and discrepancies that require immediate correction. The following federal laws and regulations outline your responsibilities and my rights as a consumer, which I am invoking to request action on these matters. 

According to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 Section 602 ( a ), consumer reporting agencies must act with fairness, impartiality, and respect for consumers privacy rights. Additionally, 15 USC 6801 mandates that financial institutions protect the confidentiality and security of customers nonpublic personal information as well as the Privacy Act of 1972.

I also reference 15 USC 1681 Section 604 ( a ) ( 2 ), which specifies that consumer reporting agencies may only furnish consumer reports with the explicit written consent of the consumer. I hereby revoke any and all consent ( verbal, non-verbal, written, or implied ) previously granted to XXXX, Experian, or any furnisher of information. 

Furthermore, 15 USC 6802 ( b ) ( c ) requires financial institutions to inform consumers of their right to opt out of the disclosure of personal information. I was never informed of this right.

Additionally, under 15 USC 1681c ( a ) ( 5 ), consumer reporting agencies are prohibited from reporting adverse items of information that antedate the report by more than seven years unless specifically allowed under subsection ( b ). The reporting of these adverse items without my consent is a violation of federal law. 

Per 15 USC 1681s2 ( A ) ( 1 ) ( A ), furnishers of information must ensure that any information reported to consumer reporting agencies is accurate. Furthermore, under 15 USC 1681e, consumer reporting agencies must maintain reasonable procedures to avoid violations of consumer rights. It is clear that such procedures are not being followed. Lastly, under 12 CFR 1016.7, I am exercising my right to opt out of your reporting services. 

Below are the specific accounts in question : XXXX  XXXX Account Number : XXXX Dispute : Under 15 USC 1692g - Validation of Debts, this account violates debt validation requirements. I request this account be deleted immediately. 

Please VALIDATE this information with the creditors and PROVIDE ME WITH ANY DOCUMENTATIONS associated with these accounts, ( i.e.an ORIGINAL CONTRACT BEARING MY SIGNATURE ). If validation can not be completed, I demand that this information be corrected or deleted from my credit file associated with my Social Security number. 

Under the FCRA Section 623 ( a ) ( 3 ), you are required to investigate and respond to this dispute within 30 days of receipt. Failure to comply will result in further action, including filing a small claims suit against Experian for : Defamation Violation of the Fair Credit Reporting Act Additionally, I request the removal of all non-account-holding inquiries over 30 days old. 

Please note, I am keeping a detailed record of your actions. Depending on your response, I may escalate this issue with the XXXX XXXX XXXX and other consumer protection agencies. 

Thank you for your prompt attention to this matter.
Product: Checking or savings account

I am writing to file a formal complaint against Bank of America regarding a misleading interest rate offer for which I was deemed ineligible after being initially informed otherwise. 

On XX/XX/year>, I visited a Bank of America branch and was advised that I would qualify for a savings account with an interest rate of approximately XXXX %. Based on this information, I decided to deposit my funds into the account. A few months later, I was informed that I no longer qualify for the XXXX  % interest rate due to a stipulation that was not made clear to me at the time of the deposit. Specifically, I was told that because my funds were previously held in a Bank of America account, I was ineligible for the promotional rate.

I believe this situation reflects a failure by Bank of America to provide transparent and accurate information about the account terms. As a customer, I trusted the banks guidance and made my deposit based on the assurance that I would receive the XXXX  % interest rate. However, the lack of clear communication regarding the eligibility criteria has caused significant financial harm and inconvenience. 

I am seeking the following : 1. Reinstatement of the XXXX  % interest rate as originally promised, and 2. A clear explanation of why I was misinformed and a resolution that compensates for the misleading information provided to me. 

Please review my complaint and assist in resolving this matter. I have attached all relevant documentation, including my communications with Bank of America and any account statements or promotional materials.
Product: Debt collection

company is trying to collect on an account that has already been paid. Company has also been sharing my personal information to third parties without my written consent.
Product: Checking or savings account

HSBC is XXXX and has an XXXX XXXX XXXX in place that is NOT protecting our personal sensitive information. 
Attached will be documentation that an Outside Party has access to my checking account. 
HSBC deposit review team is a bunch of XXXX  and XXXX. 
1. A gentlemen that I spoke to said I was going to file a Lawsuit. A Lie.

I said I was going to submit another Complaint to the CFPB.

2. A lady asked me WHY did I make XXXX  transactions on XXXX for XXXX and XXXX. 
This is Proof that an Outside Party has access to my account to make Deposits and Withdrawals. 
As I stated to the last representative in the Deposit Review Department. 
How can I make Purchases when I have NO ACCESS TO MY DEBIT CARD OR ONLINE BANKING INFORMATION. 
This means that someone is still Munipulating My Checking Account.

HSBC will NOT admit that their Security Systems are NOT protecting my Checking Account. 
However HSBC wants to accuse me a a XXXX XXXX XXXX XXXX women who is A Master Accountant by schooling of committing Fraud. 
That is what I have a serious problem with. 
All these Accusations and False Narratives that are being said on a Recorded Line. 
Now I have XXXX in my account at of today XXXX and HSBC will NOT release the funds to me. 
I have attached proof that HSBC does NOT have measures in place to secure my personal sensitive account information. 
I want my XXXX. I am DONE WITH THE XXXX REPRESENTATIVES IN THE DEPOSIT REVIEW TEAM. 
If this was in Fact a Fraudulent Deposit. 
WHY is Monies being Debited from said Fraudulent Deposit of XXXX? 
If my my account was under review for fraud. 
All Activites on my Checking Account should have been shut down.

HSBC again tried to say I made the purchases. 
How When I do NOT have access to my Debit Card nor Online Banking. 
As I stated in my XXXX Complaint I am sure this is XXXX Retaliation from the Complaint filed on XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/XXXX.
Product: Mortgage

On XX/XX/year>, I called in and spoke to a representative concerning my monthly payment that was due XX/XX/year>. I let her know that I had reached my maximum number of payments permitted under the forbearance program, but was trying to find out what options that I had to skip payments due to being impacted by XXXX XXXX. The representative placed me on hold and spoke with a supervisor who said that I would be granted an exception due to being impacted by a natural disaster and that I just needed to fill out the emailed application so that the forbearance could be applied to the account. This was exception was notated on the account by the representative. I filled out the application the same day and the next day received a denial stating maximum number of payments permitted under the Forbearance program. I reached to the company upon receiving the denial letter. Although the information is notated in the account, I was told that the exception that will not be honored. I asked to speak to managers to escalate on multiple occasions and was told they would give me a call back and never received called back or the line would disconnect on their end in the process of transferring. When I finally spoke to a XXXX XXXX, he stated that there was nothing he could do. The customer service is poor. I was lied to multiple times and hung up on.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I noticed multiple inaccurate accounts reporting on my credit profile for my accounts that were never late.
Product: Credit reporting or other personal consumer reports

Im frustrated and overwhelmed by the repeated errors on my report. These inaccuracies are damaging my score and preventing me from accessing opportunities Ive worked hard to achieve. Its unfair that I have to deal with the fallout from someone elses mistakes.
Product: Debt collection

Transworld system began in reporting on my credit XX/XX/23. I have never signed agreement form with this company Im not aware of who they are. I mailed a debt validation letter to this company, and they have yet to validate the debt. They were removed from my XXXX report back in XXXX or XXXX because they could not validate my debt. On XX/XX/XXXX I was made aware they were reporting on my credit XX/XX/XXXX of this year. I have not open any credit nor have I agreed to any new services with this company or any other company.
Product: Credit reporting, credit repair services, or other personal consumer reports

this was not a conseted credit inquiry. 


XXXX XXXX XXXX from XXXX XXXX, XXXX - XXXX. 
This inquiry could stay on your report untilNov XXXX. 
See an error? 

Find out how to dispute a hard inquiry XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN was advised via Certified mail return receipt and signed for the evidence and proof to remove a derogatory from my credit report and to unfreeze my Credit! and bsigned for this information and paper work XXXXXXXX XXXX2019.. According to their information on the web this only takes 3 days to do this.. I havr tried several times to contact them by phone to no avail on every call them tell you to mail in the information which I have already done!! I have also tried to contact them via computer they continue to report the same as they do on the phone. they are screwing up my credit with my CREDITORS and make my life a living XXXX! If you dont do some about this situation I will hire a private attorney to sue them and the electric company along with the COLLECTION AGENCY that put the false information inmy CREDIT FILE!!! Thank you for your attention to this matter I will sincerely appreciate any thing you can do to resolve this depolable situation!
Product: Credit card or prepaid card

Synchrony Bank for CareCredit continues to delay my right to due process by continuously attempting to collect a debt not obligated to be paid by me the consumer. They refuse to accept my Bill of Exchange as legal tender and has created an act of fraud. In doing so, Synchrony Bank continues to add interest fees and late fees to my account. I have made multiple attempts at settling this debt to no avail. They are refusing to respect their duties to consumers like myself and XXXX  me through email and text. 
See attached.
Product: Credit reporting or other personal consumer reports

Someone is using my identity. Please help as Im already going thro mental health from domestic violence and need hep immediately with this problem as its affecting my Ill health badly.. many thanks