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

Hello I tried to link my bank accounts to a budget app and pnc in blocking my acess. My account is not in the negative.
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel offended every time people add unpleasant information on my redit report. I feel I am not belong here anymore. I ce from a decent family. Now, what to do to change my image yo the XXXX. I want to take it to court. Equifax published negative report on my behalf and also they change our organization status. We used to pay a space on my own to run the organization, i had an accident I didn't receive any money to pay the rental place. I had to move the organization to my house. We have a space 2 years ago we don't any money to establish a good system to run the business. Now some how someone intent to mess up my reputation. For some reason I would like some take in consideration and fix the problem for me. I will appreciate it.
Product: Credit reporting, credit repair services, or other personal consumer reports

A public record pertaining to a bankruptcy filing is listed on my report. This record is inaccurate Inreached out to the XXXX XXXX of Georgia and they explained to me they did not verify this information with your agency. It is violating my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation. These inquiries should also be removed. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reports inaccurate information to my credit reports on Transunion, XXXX, and XXXX. XXXX XXXX XXXX 's attorney made a deal with my attorney regarding the foreclosure on the manufactured home- Stating if I moved out, XXXX XXXX XXXX would not report to my credit report and I would not owe any balance. I withheld my end of the deal and moved out of the manufactured home and off the property. The manufactured home had been unoccupied and utilities had been disconnected from the home since XXXX XXXX- It sat unoccupied for many months. XXXX XXXX XXXX did not withhold their end of the deal and reported it to my credit three credit reports, along with reporting inaccurate information on my three credit reports continuously. Every time I disputed the account from XXXX XXXX XXXX with Transunion, XXXX, and XXXX- XXXX XXXX and/or the credit bureaus would continue to update inaccurate information with more inaccurate information. Transunion, XXXX, and XXXX should have deleted the account from XXXX  XXXX XXXX due to inconsistently reporting/updating inaccurate information when disputed, along with providing proof from attorney email regarding the deal made and my moving out and it not being reported to my credit reports. XXXX XXXX XXXX has it listed on my credit reports that the manufactured home was Repossessed in XX/XX/2019. I have a photo/print out directly from the XXXX XXXX XXXX XXXX website showing, along with a dated timestamp that the manufactured home was still on the property on XX/XX/2019. There has been various inaccurate information reported to my three credit reports- That's been on going for months. With XXXX it reports a higher balance due- The address & phone number does not match the contact information for XXXX XXXX XXXX from my Transunion & XXXX credit report. XXXX XXXX XXXX provides three different contact addresses to XXXX, Transunion, & XXXX. The ledger balances from my XXXX, Transunion, & XXXX are all different. My last reported payment date reported and the ledgers from the three credit bureaus do not match. If months are looked at, it can be seen that every time I disputed the XXXX XXXX  XXXX account with Transunion, XXXX, and XXXX it will show that the three bureaus, along with XXXX XXXX XXXX just updated with more inaccurate information- Instead of removing the account from my reports.
Product: Mortgage

XXXX Sent email to XXXX XXXX XXXX advising that we received notice that our personal info had been breached and requested that they put a Passcode on our mortgage account. 
XXXX Received confirmation email and that they would process my request as soon as possible. 
XXXX Sent a follow up email to XXXXXXXX XXXX XXXXXXXX to see if the Passcode had been setup yet or if they were still working on it. 
XXXX Received confirmation email that they received the XXXX email and that they would process my request as soon as possible. 
XXXX I contacted my XXXX XXXXXXXX XXXX  representative for assistance in seeing if the Passcode had been attached to our mortgage account. 
XXXX XXXX XXXXXXXX XXXX  emailed the mortgage service group to advise that I requested a Passcode be assigned to our account due to the identity breach. 
BMO mortgaging sent me XXXX letters, dated XXXX and XXXX, confirming receipt of my inquiry and that they are reviewing our account. The letter also stated that they would make every effort to provide a response to the inquiry as promptly as possible and within the time limit required by law. 
XXXX My XXXX XXXXXXXX XXXX  rep advised that she finally heard back from the mortgage team regarding adding a Passcode to our account. XXXX XXXX, of XXXX XXXX XXXXXXXX, told her that to add a security password to the loan they would need a request signed by all parties on the loan. 
XXXX I secure emailed the required form to our XXXX XXXX  representative for forwarding to XXXX XXXX and his team. 
XXXX I sent a follow up email to XXXX employees of the mortgage servicing area asking for a status of my request given that my request for a passcode was initiated XXXX weeks ago. 
XXXX I forwarded my XXXX -- XXXX email to the same recipients and asked if I could get an update before they left for the weekend. 
XXXX My XXXX XXXXXXXX XXXX representative sent an email advising that the last email she received from the mortgaging servicing group was on XXXX and said that the request had been received and was being processed. The XXXX XXXXXXXX XXXX rep sent an email to XXXX XXXX to see if he had an update. 
XXXX I called the XXXX line that is listed on the XXXX and XXXX letters. After XXXX minutes on the phone with a mortgage service rep and a supervisor, I was told that there are work orders dated XXXX and XXXX, which expire on XX/XX/XXXX. I was told that I should give them XXXX days to respond to the email the rep sent to the Research Department . The rep confirmed that she copied XXXX XXXX on said email. I then asked to speak to a supervisor. I spoke to XXXX, whose initials are XXXX. He would not provide me his last name. XXXX advised that they have to send the CFPB the request for a passcode for our mortgage account and that the CFPB must clear the request. XXXX then stated that the Passcode will be assigned to our mortgage account by XX/XX/XXXX.
Product: Credit card

The complaint is against TJX Rewards Ctedit Card, my payment was due on the XX/XX/XXXX and they received the payment on XX/XX/XXXX, but the company charged me late fee of {$38.00}, and when I called to request a refund for the late fee or get a reduced fee charged, they outright denied.
Product: Debt collection

I C SYSTEM INC ORIGINAL CREDITOR XXXX XXXX XXXX IN THE AMOUNT {$310.00} THIS ACCOUNT WAS OPENED FRAUDULENTLY WITHOUT MY CONSENT AND OR KNOWLEDEGEMENT
Product: Debt collection

On XX/XX/year> Midland Funding LLC filed an objection to the writ of garnishment in the XXXX District circuit court. they illegally obtained my information from a creditor and did not have a consent. I was not notified by my employer or the courts. I do not have a debt with Midland Funding, and I was garnished triple the amount. I previously had received several harassing calls I asked several times for them to validate the debt because I had no knowledge they never did.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquires listed on my credit report that are inaccurate and unfamiliar to me. Any inquiry NOT attached to a current account on my credit report should be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to dispute with Equifax XXXX XXXX XXXX XXXX on many occasions trying to get my personal information removed & they refused to remove it. And account to 15usc1681 I didnt give anyone written permission to furnish anything on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My father XXXX XXXX is with me and he is XXXX XXXX XXXX his credit report is showing the wrong date of birth and he would like it fixed. There might be some fraudulent activity. It is affecting his scores and and he is trying to get a loan. 

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

Comes Forth Your Petitioner States that LVNV Funding has purchased a debt from XXXX  while the account had an open previous dispute with the previous company. LVNV funding Purchasing this debt from XXXX  assumes the debt and its liabilities. LVNV funding has failed to address the dispute of a bill not being received and transactions on the account. LVNV reporting without addressing the previous companies dispute is a violation of Fair Credit Billing Act & Fair Credit Reporting Act. Petitioner disputed account directly with LVNV and received that it is a verified debt since a statement has been sent. Petitioner has been caused MANY MANY damages from this. 
Petitioner is requests CFPB order LVNV to immediately remove item from credit report and address petitioners issue that the bill was not received from Original Creditor. Original Creditor deleted from credit report already to remove their liability Complaint on XXXX  to follow. 

Petitioner is XXXX veteran drawing veterans benefits for living expenses.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I noticed my identity was stolen from my XXXX credit report, because I noticed it is unknown charges made to my account, which effected my XXXX XXXX XXXX Equifax credit report.
Product: Credit reporting or other personal consumer reports

FCRA 605B, in my understanding, mandates the removal of any erroneous accounts from my credit report. Can you review the documents? Some of the accounts listed contain inaccuracies in terms of reporting, including incorrect amounts and dates.
Product: Debt collection

I received a phone call from a relative stating I had an threatening phone call from Portfolio Recovery. I contacted the company and the representative stated if I did n't pay the account of {$560.00} in 30 days my wages will be garnished. I asked when was the last time a payment was made on the account she stated it was irrelevant and it needs to be paid immediately. I asked how long has this account been open she stated since 2007. I informed the representative to stop calling my relatives and I was told to send a letter and inform the company not to contact my relatives.
Product: Credit reporting or other personal consumer reports

According to the FCRA 15 USC 1681section 602a states " There is a need to insure that a consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. '' XXXX, Experian, and XXXX are consumer reporting agencies and I " am the consumer.I have the right to make my private information isn't being 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 information '' XXXX acct # XXXX is a financial institution by definition under that title. 15 USC 1681 section 604a section 2states that " In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX acct # XXXX the financial institution and the consumer reporting agencies XXXX, Experian, and XXXX  do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, and XXXX XXXX acct # XXXX wether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless-the consumer is given an explanation of how the consumer can exercise that nondisclosure option '' XXXX acct XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states. " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items od information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. " This account is an adverse item they are reporting again without my permission which is against the law. 15 USC Code 1681s-2 ( A ) ( 1 ) A states " 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. 15 USC 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purpose listed under section 1681b of this title. " XXXX, Experian, and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt outa at any time. " I ' am opting out of your reporting services. ''
Product: Credit reporting or other personal consumer reports

I examined my personal consumer report that I purchased from your company, and I'm writing to you to let you know that my social security number have been compromised. I've experienced identity theft. I filed a complaint with the Federal Trade Commission, and it is attached # DELETE UNAUTHORIZED INQURIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Previously i submitted a complaint in regards to identity theft and accounts that I have no knowledge of. Experian responded that the accounts I listed were not accounts on my credit report. After checking, these accounts are still on my report and currently reporting. How was this error overlooked. This needs to be investigated because it was not investigated at all in the first complaint. Very disappointed.
Product: Credit reporting or other personal consumer reports

*GLBA FTC SAFEGUARD NON-COMPLIANCE* I am submitting this complaint due to the companys non-compliance with the Gramm-Leach-Bliley Act ( GLBA ). Specifically, they have : Failed to provide the required privacy notices that disclose how they manage and share my personal information.

Not offered an opt-out option for third-party data sharing, as required by the law.

Neglected to establish proper safeguards to protect my personal and financial information under the GLBA Safeguards Rule.

Raised concerns about their identity verification processes, which may violate pretexting protections.

I demand that the company immediately stop sharing my personal information unlawfully and provide a full explanation of how my data has been handled, along with documentation proving their compliance with GLBA regulations.
Product: Debt collection

Halsted Financial Services XXXX XXXX XXXX, XXXX has sent me several emails saying I have a debt with XXXX for {$3900.00}. I believe this is a phishing email as I don't have account or any relationships with Halsted or XXXX. Nothing is showing on any credit report showing a debt. Also my spyware will not allow me open suspicious emails. This is the email address to a link to get information about account, nfo.halstedfinancial.com and this is the email that this information came from XXXX. This phone number here when you call, you are on hold for a few moments and when you asks for details they can't give you any but what you owe. I did not provide any of my information to them at all when I called them ( XXXX ) XXXX I have had identity thief in XXXX  which for the most part has been taken care of. People are still trying to open credit under myself. This may be part of it! 

I will file a civil lawsuit if they keep trying to contact me when I have no relationship with either company trying to get money out of me.
Product: Student loan

I have private loans with XXXX XXXX, but am still currently XXXX  and taking XXXX classes to finish my XXXX I work as a XXXX XXXX XXXX, so it is hard for me to make payments while still in school. XXXX XXXX has told me that my loans have been deferred, but then still demand payments each month. I have talked with them multiple times over the phone and they told me my loans would be deferred since I am still in XXXX
Product: Money transfer, virtual currency, or money service

I am formally expressing my concerns regarding Zelles handling of disputes particularly in light of the recent cfpb lawsuit highlighting significants issues with the platform. Dispute using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but also has allowed repeat offenders to exploit the system. Leaving my account unprotected. 
My account has also been suspended or terminated and they have told me they do not know why or how.
Product: Checking or savings account

Hello US Bank, im reporting today because I've been having issues with your online banking for some reason. I just made my online account for the first time on XX/XX/XXXX, XXXX my account was locked right after for no reason and I got it reinstated today XX/XX/XXXX after 48 hours. After having it unlocked, I applied for a second checking account and once again.. Online User ID Locked. not sure what's going on but I literally haven't been able to use my bank account
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX RI XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, RI XXXX XX/XX/XXXX, XXXX XXXXXXXX Balance : {$1500.00}, XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$26000.00}, XXXX XXXX XXXX Balance : {$4500.00}, XXXX XXXX Balance : {$1800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, is the result of identity theft. 
XXXX XXXX IN THE AMOUNT OF {$1600.00} XXXX XXXX XXXX IN THE AMOUNT OF {$1300.00} XXXX XXXX IN THE AMOUNT OF {$410.00} XXXX XXXX IN THE AMOUNT OF {$830.00} XXXX XXXX IN THE AMOUNT OF {$270.00} ALL THESE CHARGES ARE A RESULT OF IDENTITY THEFT AND SHOULD BE REMOVED FROM MY CREDIT FILE IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got car finance with Ally XX/XX/2019, I been paid the most I can to pay off as soon as possible, Ally did accredit the payment to my account property and submitted false information to the credit bureaus. 
A complaint was filed with the Office of Consumer Affairs and Business Regulation, Division of Banks, their response was late, confused, and contradictory. 

A complaint was filed with the Massachusetts General attorney office, No update on that. 
The action of Ally was neglect, malicious, and cause damage my credit.
Product: Credit reporting or other personal consumer reports

My student loan with XXXX has been forgiven. It still shows up on my credit report months later. I have disputed it with Experian but they have not cleared it. When I contact XXXX via phone or online, they can not even view my account anymore to assist with this since there is no balance.
Product: Debt collection

I send XXXX XXXX XXXX in 2nd weeks XX/XX/2018 and I didn't get any respond I send my 2nd letter certified mail on the XX/XX/2018 to same address then they respond. I asked for a list of information and to validate the debt with my signature, electronic recording etc. that they claim is mine ( reference ID XXXX amount {$1200.00} ) and they refuse to provide those information and ignoring my request but yet still they still reporting to the credit agency which also as long as there's an investigation all reporting and collection should stop which they didn't comply which any FCRA laws and violate my rights as a consumer. I can't get no funding or any kind of approvals to help better my life due to fact they have ruin my credit and still is at this present time. if they can't abide by FCRA laws I demand they remove it and all negative remarks to be removed from my credit profile which have been destroying my life. I will include copy of the 1st and 2nd letter that was sent without my personal info on it. looking forward hearing from you, thanks in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX, Chapter XXXX Bankruptcy, and BRCLYSBANKDE. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX, Chapter XXXX Bankruptcy, and BRCLYSBANKDE with no successful resolution. There was definitely an error on their part.
Product: Consumer Loan

On XXXX/XXXX/2015 carmax charged me twice & its on my bank statement & I faxed them a copy of the charges. They are still declining the double charge. Check # XXXX is an unathorized charge. I need help
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already disputed the inaccurate information on my credit report with PNC Bank NA in accordance with 15 U.S.C. 1681s-2 ( a ) ( 3 ).

The provision of subsection 1681s-2 ( a ) is enforced pursuant to 15 U.S.C. 1681s-2 ( d ). PNC Bank N.A . provided an inaccurate open PNC Credit Card Account in violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) The consumer ( complainant ) requested to close his BBVA credit card account. 

Consumer declined the PNC Points XXXX  XXXX XXXX Credit Card and rejected the PNC Consumer Credit Agreement. 

PNC Bank NA falsely reported to the consumer reporting agency that the consumer had an open PNC credit card account. The consumer never open a PNC credit card account.