23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Chex Systems claimed that the complaint I enter for Were unable to approve your application does not pertain to them. 

Once again, these company are LYING to the CFPB. Look at the below message from XXXX XXXX and who they based their decision. 

Again, this violates my Consumer rights 15 USC 6802 and another 5 or 6 USC statues. And each fine is up to {$1000.00} each. 

Unfortunately, we're unable to open your account at this time. 

We made our decision based on a number of factors, including information from ChexSystems, a consumer reporting agency. 
We encourage you to reach out to ChexSystems, because you have a right to a copy of your consumer report in the next XXXX days. While ChexSystems may not have information on your account approval status, you can dispute the accuracy of their report information. Please note : Chex Systems did not make the decision on your account application and is unable to provide you with specific reasons for the decision. 

Contact Info : Chex Systems Attn : Consumer Relations XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX phone - ( XXXX ) XXXX fax - ( XXXX ) XXXX Products and services are offered by XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX. All rights reserved. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please retain a copy of this message for your records.
Product: Credit reporting or other personal consumer reports

Didnt investigate in a timely manner and my information was exposed to a data breach
Product: Checking or savings account

I filed a dispute on Saturday XX/XX/21 when around XXXX XXXX  I deposited several checks, and the ATM ate them without giving me credit and printing a blank receipt. It took EVERYTHING and said it was a system error. I came into the branch immediately the following morning, and the acting branch manager was clueless about the process. When He had to call into customer service and seem like he didnt know what to do. He filed a dispute but didnt really have any type of information that was of any value. I got three different timelines, one from the branch manager, another from the head teller who I was referred to and another from the phone agent, none of which matched any of PNCs disclosures I read. I asked the acting branch manager to contact the ATM company and he said that they dont do that. So there I was 30 feet from the ATM sitting in a branch and not able to get my checks that were in there. 

The branch did not immediately file a work order with the ATM servicer and my dispute dragged on for weeks. When I contacted the ATM company and they said that the work order was supposed to be filed to service the ATM in the event of dispute, and that they had nothing on file. 

I also contacted customer service by phone to file them online and phone dispute because of the performance in the branch. I had very little confidence that anything would be fixed timely. Its horrible going into a holiday with something like this happening to your money. The deposit included my unemployment checks and reimbursement for insurance premiums I was paying as well as other project income I had earned over the last few months while on furlough. I was so distraught. After many calls and emails I received provisional credit after I called to remind the agent that I had been waiting 10 days for my checks. I was expecting my checks to be located from the atm and deposited the retuned to me which I requested. 

I just happened to check my account last night on XX/XX/XXXX, and noticed that {$1200.00} had been charged back to my account from the provisional credit with NO explanation. No communication was provided to me pertaining the results of the investigation. I was expecting the deposit amount to increase NOT decrease because the were more checks deposited than I had the stubs for at the time of the deposit. I wish to dispute the provisional credit, with subsequent withdrawal without explanation. I would like a full explanation as to what happened to my checks and the results of the investigation which is dragged on for so many weeks. I would like all of my money returned and credited immediately. Upon resolution I wish to close all business and personal accounts currently on file with PNC.
Product: Mortgage

In XXXX I took out a HELOC through XXXX Bank. During the open period of the revolving line of credit XXXX Bank sold the HELOC to US Bank in around XXXX. US Bank in turn sold the HELOC to XXXX Mortgage in XXXX but failed to release their lien on my property for the HELOC. I have been trying for XXXX months to get this lien on my home released by US Bank. I have been approved for a new HELOC through another bank and can not close because a title search indicates that US Bank still has a lien on my property. I am getting nowhere with US Bank even though they acknowledge they have no records of my owing them any money.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I need this information to be completely deleted from my history because it is not mine, it XXXX  me
Product: Debt collection

as XX/XX/2020 I spoke to the collection agency try to come to a Seattle amount. They deny, and gave me a higher amount when clearly my collection is {$550.00}. when they trying to collet {$1200.00}.
Product: Credit reporting or other personal consumer reports

The ( 3 ) major credit reporting agencies throttle credit reporting updates that would result in a favorable outcome, or increase in your overall credit score. I opened ( 2 ) new tradelines ; both of which have been reported to all ( 3 ) credit reporting agencies. I have had these tradelines for 90 days. Ironically, all ( 3 ) credit reporting agencies seem provide updates that have a negative impact on my credit score within the same time period that they received the update of my new tradelines. They have reported increased utilization on tradeline, and an over the limit update to another tradeline however, they wont report my new tradelines. Are credit reporting agencies allowed to withhold credit updates that have a favorable impact to a consumer, while reporting unfavorable updates which would result in a decrease in my credit score? I have a very specific example of this over the last 90 days and I need assistance with uncovering the reporting delay of favorable updates that would result in an increased in my credit score. It is if they are conspiring with the creditors and banks to slowly report updates that would give consumers better rates which subsequently reduces the profit margin for loans to said consumer. 

One of the two new tradelines is from XXXXXXXX XXXX XXXX. 

I am in the process of seeking legal guidance and representation against the credit reporting agencies. It is absolutely absurd that they are given this much latitude to have a reporting protocol that is unfair and has an adverse impact to the consumer and their credit options. Withholding favorable updates is a pattern that I am sure that many other consumers have experienced.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct CREDIT UNION XXXX XXXX Balance : {$75.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$15000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} XXXX XXXX Balance : {$1400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I STARTED OFF ATTACK THESE INCONSISTENT ACCOUNTS IN XX/XX/XXXX A FEW CAME OFF BUT MANY REMAINED AND I FIND THAT INCONSISTENT WITH THE REPUTATION OF THE 3 MAIN  CREDIT BUREAUS ( TRANSUNION, XXXX, XXXX ) TO REPORT INFORMATION ON MY CREDIT REPORT THAT IS ACCURATE CONSISTENT AND VERIFIABLE HOWEVER MY CREDIT SCORE IS SUFFERING BECAUSE THEIR ARE MULTIPLE ACCOUNTS THAT IS PASSED MY STATES STATUE OF LIMITATIONS ON WRITTEN CONTRACTS.

WHICH MEANS NOT ONLY ARE THESE NEGATIVE ACCOUNTS INACCURATE BECAUSE THE WAY THEY ARE REPORTING BUT THEY ARE INACCURATE FOR EVEN BEING REPORTED AT ALL.

NEW YORK LAWS GOVERN THAT THE STATUE OF LIMITATIONS ON WRITTEN CONTRACTS IS SIX YEARS YET I HAVE PROOF THAT THE CREDIT BUREAUS ALLOWS THESE CREDITORS AND COLLECTION AGENCIES TO CONTINUE TO REPORT INACCURATE AND UNLAWFUL INFO ON MY CREDIT REPORT WHICH IS INDEED A VIOLATION OF THE FAIR CREDIT REPORTING ACT. 



Credit bureaus, if they refuse to correct information after being provided proof of inaccuracy FCRA Section 623 CUSHMAN, v. TRANS UNION CORPORATION US Court of Appeals for the Third Circuit Court Case 115 F.3d 220 June 9, 1997, Filed ( D.C. No. 95-cv- 01743 ).
Product: Payday loan, title loan, or personal loan

Tower Loans has been a horrible company to work with from the beginning. They repeatedly use harassing and strong arm tactics for collections. Including numerous calls a day, and calls to other people about your loans before you are a day late.Tower Loan in MS has now pulled hard inquiries on my credit without authorization. This loan was charged off and account closed in XX/XX/XXXX and they still make hard inquiries every couple of months. 

Inquiry details Twr Ln-sys Inquiry from XX/XX/XXXX Finance This inquiry could stay on your report until XX/XX/XXXX. 
Twr Ln-sys Inquiry from XX/XX/XXXX Finance Twr Ln-sys Inquiry from XX/XX/XXXX Finance Twr Ln-sys Inquiry from XX/XX/XXXX Finance Twr Ln-sys Inquiry from XX/XX/XXXX Finance Twr Ln-sys Inquiry from XX/XX/XXXX Finance Twr Ln-sys Inquiry from XX/XX/XXXX XX/XX/XXXX
Product: Debt collection

I contacted XXXX XXXX XXXX on XX/XX/XXXX to discuss a claim application after I had been the victim of a hit an run by an unknown driver. I then was advised that my insurance was canceled due to non payment of my account. I was shocked because I had enrolled on the automatic payment program as they advised and have been ever since my policy commenced. I have spoken with one of the insurance company 's ' representative who informed me that they have tried to take the payment but could not because the funds were not available. I immediately contacted my bank XXXX XXXX XXXX XXXX who states that XXXX XXXX XXXX only taken one payment of {$140.00} on XX/XX/XXXX. In fact XXXX XXXX XXXX had not taken any payment from my account since the first payment scheduled XX/XX/XXXX and instead reported to the bureaus that I was in default of {$70.00}. My bank provided me with a detailed print out of my statement of account for my checking and savings account which are both linked and have been in credit of over {$7000.00} for since XX/XX/XXXX continuously until present. We, both my banker and I are perplexed as to how this company can give the explanation that the funds were not available in my account for withdrawal. I have attached a print out who will also attest that there has been no attempt by XXXX XXXX XXXX to draw from my checking account as listed on my agreement XXXX.
Product: Checking or savings account

XXXX XXXX  I tried opening a Robinhood account and had an issue to login there after. Unfortunately that login issue was never resolved, and my account was never used or closed. I am requesting to close the account and provide an evidence, which RobinHood is unable to support. They are closing the ticket with no resolution after multiple attempts.
Product: Mortgage

I had XXXX HELC loans with XXXX XXXX that were sold to PNC Bank XXXX account XXXX was coming up for renewal XX/XX/XXXX, XX/XX/XXXX I received an offer to convert XXXX to a 30 Year Fixed rate at the rate of 4.74,. which I did and started making the new payments as of XX/XX/XXXX. The other XXXX loan ending in XXXX which was coming due XX/XX/XXXX I was not offered the same program, when I questioned PNC, I was told verbally that my payment history was not sufficient, never late and I am the same borrower that PNC converted the other HELO loan to a 30 year fixed. I was told that I could apply for a modification or refinance. Modification was out of the question, I have excellent credit and in PNC paperwork they state that a modification may effect my credit. I got my new payment for XXXX due XX/XX/XXXX {$960.00} ( {$540.00} ) more than my old payment, 20 year ammorization @ 6 % interest. I was not disclosed as to a rate or term prior to my receiving a bill. I asked at the branch and I was told that I received letters in regards to my payments, I did, but never what my rate was going to be, never what the treasury bill that determine the rate was, just here is the amount, pay it. I feel that I was not properly disclosed, I had requested by email and in a verbal conversation for PNC to sent me copies of the last XXXX disclosures they sent me. To resolve this I am requesting that PNC give me the same terms on the XXXX loan that they gave me on the XXXX loan. Thanking you in advance, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Delete community choice credit union in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ( XXXX XXXX XXXX XXXX  ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Product: Credit card or prepaid card

I have a credit card account with Bank of America I have my payment on auto pay and they switched my due date causing my payment to be six days late and this caused me to have a late payment showing on my credit report this is stemming back to you XX/XX/2016. I contacted Bank of America and they told me that they can not correct the information as the credit bureau will allow them to. 


XX/XX/XXXX - XX/XX/2016 2016
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & Number 1 ), has violated several of my rights. 

15 U.S.C 1681 section 602. A. Clearly states that 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 an account without my written Instructions.

15 U.S.C 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.

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX believes that XXXX XXXX XXXX has no choice but to delete the account currently posted on my Equifax Report, and that Equifax missed the proper reporting of the account. The credit trade line shows date of first delinquency as XXXX XXXX, but XXXX XXXX XXXX cut off all payment history from XXXX XXXX through XXXX XXXX. The account falls within the XXXX rule timeline, and should be deleted immediately and permanently. Accordingly, I request a full reinvestigation by Equifax as the statement posted by XXXX XXXX XXXX shows that I am 100 % right in the review of the Fair Credit Reporting Act rule pertaining to obsolete and outdated trade lines. PLEASE DELETE THIS TRADE LINE PERMANENTLY!!!
Product: Credit reporting or other personal consumer reports

This last and final complaint before the matter is taken to District to ask the federal question for violations of the Fair Credit Reporting Act, is in reference to the previous identity theft complaint placed through the CFPB and the email that was received by Experian Information Solutions , Inc on XX/XX/2024 which suggest that I made my request to block personal information due to identity theft in error, WHICH I HAVE NOT. 
Experian Information Solutions , Inc is consumer reporting agency and I, XXXX XXXX XXXX, the federally protected consumer, a natural living being of majority status conducting the style and condition of The Principle and Beneficial Equitable Holder, and not an infant/minor, have the right to make sure my private, non public 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 those customers nonpublic personal informationXXXX XXXX  XXXX is a financial institution by definition under that title. 
I am the card holder which was issued to XXXX  XXXX XXXX, so that I can receive a open end account with them ; to receive payments with them and defer. 

Provide strict proof that the alleged creditor is, indeed, the secured partyand holder in due course of the aforesaid alleged original agreement in issueand has an enforceable perfected security interest therein pursuant to and incompliance with the Uniform Commercial Code ( U.C.C. ) Section 9-203, Section 9-204 ( 1 ), and Section 9-305, or equivalent sections of the Commercial Code of New York State OR remove the account immediately as it is a result of identity theft.

I have also opted out and rescinded any authority I may have given XXXX XXXX XXXX to report about me to any 3rd party, and I have a right to privacy. 

Experian Information Solutions , Inc is also in violation of the previous conditional cease and desist what was attached. 
Please see the following attachments : Exhibit A : Affidavit of Truth/ Cease and Desist. 
XXXX  XXXX XXXX Opt Out Notice Identity Theft Report Power of Attorney, CAF Notice, Fee Schedule Opt Out Notice ( s ) Name Copyright Passport Card Invoice
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at numerous credit card companies. These fraudulent accounts consist of personal credit cards open two separate XXXX XXXX personal credit cards open on XX/XX/XXXX, and another one on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, another one XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FCO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent Items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
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 : Account # : XXXX XXXX XXXXXXXX : Account # : XXXX XXXX XXXX XXXX : Account # : XXXX XXXX  : Account # : XXXX XXXX XXXX XXXX : Account # : XXXX XXXX XXXXXXXX : Account # : XXXX XXXX XXXX : Account # : XXXX XXXX XXXX : Account # : XXXX XXXX XXXX XXXX : Account # : XXXX XXXX  XXXX : Account # : XXXX XXXX : Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX  : Account # : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : Ive called XXXX XXXX XXXX, spoke with XXXX, XXXX with XXXX at XXXX XXXX XXXX, then I was connected with a XXXX at XXXX XXXXs at XXXX XXXX XXXX, then again with a XXXX at XXXX XXXX XXXX, then transferred to XXXX when I spoke with a XXXX XXXX at XXXX XXXX XXXX, then XXXX at XXXX XXXX XXXX and lasty with XXXX who confirme the account was paid per the agreement and closed on their end but this part was not communicated to XXXX. 

I am at my witsend at this point, Ive tried to resolve this cordially but now I am forced to file a small claims suit against both parties. Unless the account and tradelines are removed, the following suit will be filed in 15 days. This is unacceptable and a violation of Rosenthal Fair Debt Collection Practices Act. 

If XXXX fails to notify the credit bureau within 15 days of receipt, I will institute legal proceedings due to the breach of contract. The action taken by XXXX and its agents is in violation of the Fair Debt Collection Practices Act. Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), Validating Debts : If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. ( emphasis added ) Also, be advised that the undersigned is keeping accurate records as noted above of all correspondence from you and your company, agents, and assignees, including recording all phone calls, and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission, and the XXXX XXXX XXXX. 

The debt has been disputed. Feel free to contact the undersigned at the number below to discuss a resolution. Thank you for your time and attention to this matter.
Product: Credit reporting or other personal consumer reports

Experian is refusing to remove inaccurate information on my credit report from XXXX XXXX Acct # XXXX. I paid the account in full on XX/XX/year>, when I spoke to customer service with XXXX XXXX at the time of payment they said it would be removed from my credit report. 
Well the Status line of Credit Report they marked : " Paid, Closed. {$430.00} written off '' This is incorrect and false information. 
Pursuant to article FCRA Section 609-