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

Pentagon Federal Credit Union performed an unauthorized soft pull of my credit on XX/XX/XXXX after demanding I provide a copy in order to perform an investigation on the settled identify theft issue from XX/XX/XXXX. Pentagon Federal Credit Union was explicitly told that they have no legal right under the permissible uses under 604 ( a ) ( 3 ), as they had already adjudicated the prior action in my favor. Their duty was to correct, from copies of their own internal records. I was required to produce my copies of their records in order for them to clear the hard inquiries, 18 months later. 

On a call with PenFed, I was notified that the prior XX/XX/XXXX Hard Inquiries had been simply shifted to be Soft Inquiries. This is not in compliance with the duty to correct, under 623 ( a ) ( 2 ). The requirement is to fully correct. 

Failure by Pentagon Federal to fully correct my record of credit, due to the actual and on-going identity theft issues, is causing personal reputational harm and continued distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

has violated my rights. Or a list of Inquiries : 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 XXXXXX/XX/XXXX 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 an 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 or 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, credit repair services, or other personal consumer reports

Loans in forbearance due to XXXX and unable to finish school or work
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of certain information contained in my credit report as provided by your agency. This letter serves as my tenth formal dispute under the provisions of the fair credit reporting act ( 15 U.S.C. & 1681 ). I believe these inaccuracies may be linked to the XXXX data breach, which compromised my personal information. I have enclosed copies of ( supporting documents such as a statement, A FTC report, and verification of my identity that substantiate my claim. Please investigate this matter thoroughly. Correct the disputed information, and provided me with a revised copy of my credit report. Under the FCRA, you are required to investigate my dispute within 30 days or receipt of this letter, Notify the furnisher of the disputed information promptly and provided me with the results of your investigation and corrected credit report if changes are made. If the investigation does not resolve my dispute, I request that you include a statement of my dispute in my credit file and in future reports provided to others. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous accounts. I think you have not validatedthese accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

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

have been disputing a Chapter XXXX Bankruptcy with XXXX since XX/XX/18 and have sent multiple letters asking for verification. XXXX ' last response that they once again claimed the bankruptcy was verified I requested, per FCRA 611 ( 15 U.S.C. 1681I ), that they provide me with a description of the procedure used to determine the accuracy and completeness of the disputed information. I informed them that FCRA Section 611 ( a ) ( 2 ) requires them to contact the furnisher of the information and to provide me with the name, address, and telephone number of each federal bankruptcy court clerk contacted regarding this alleged bankruptcy ; who they referred this dispute to ; and who responded back with the required verification. As I said, I provided them with a letter from the US Bankruptcy Court in XXXX, NY which clearly stated that they do not provide any information to the credit bureaus. Furthermore, PLEASE NOTE : Bankruptcy Rule 9037 which states that " personal identification information defined as individuals Social Security and taxpayer identification numbers, names of minor children, last four digits of financial account numbers, and dates of birth, be redacted from documents filed with the court. '' Therefore, XXXX ' claim that their subscription to PACER was used to obtain verification is not only a violation of FCRA Section 611 ( a ) ( 2 ) which requires you to notify the party who furnished the disputed information, ( XXXX XXXX XXXX ) is also in violation of Section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) which prohibits unfair or deceptive acts or practices '' by purposely reporting information that they have assumed is verifiable based off circumstance. I have received a letter from the US bankruptcy court saying that they do not report to the credit bureau.
Product: Money transfer, virtual currency, or money service

On Sat. XX/XX/2022, I recieved {$300.00} from a friend on her Venmo account to my Venmo account. I then attempted to transfer that amount to my bank account and my account was frozen. I recieved an email saying that my account was frozen for suspicious activity and that I would recieve another email explaining why and what to do to solve it. It is now XX/XX/XXXX and I still have not recieved any further emails giving me an explination or instructions to resolve this matter. I have called venmo twice on XXXX XXXX as well as using their chat and sending an email. I was told on Saturday XXXX XXXX that a specialist needs to review the case and they only work Monday-Friday and they are the only people who have access to any of the information. I was also informed that they can not be reached by phone and I could not have their direct email. I was told I would recieve an email in between 7 to 21 business days with more information. I asked if the transfer could just be canceled and returned to the sender and I was told that was not possible. I then requested that my account be closed and they said that also was not possible until this matter has been resolved. I again called on XXXX XXXX 2022 and was told that my case had already been escalated and it would take 7-14 buiness days for a specialist to get to my case. I again asked for an explination and was told they had no access to that information and their was nothing they could do and I just had to wait. I requested for my case to be escalated again. 
This is just ridiculous. I believe this is delibertly done so companies and banks can hold on to customers money longer to earn the interest. Interest on a mere {$300.00} for 3 weeks is nothing but if done to just a small fraction of their total transactions for the weekend I'm sure it total amount of " frozen '' accounts is in the millions and thats a whole lot of interest earned in 3 weeks. And there is no reasonable excuse for a company to hold someones money for 7-21 business days without telling them why or instructions on how to resolve the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In according with the Fair Credit Responding Act XXXX XXXX XXXXXXXX XXXX account XXXX, ( XXXX XXXX ) has violated 15 U. S. C 1681 A. Section 602 1 : States I have the right to privacy 15 U. S. C 1681 A. Section 602 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

I paid XXXX {$93.00} to settle this debt in XXXX 2013 and provided the collection agency with proof of the check that XXXX cashed on XXXX/XXXX/2013. XXXX agreed to a pay and delete from credit report, but it looks like the debt was purchased after the check was cashed by XXXX. I gave the company notice that this debt was paid in full and they still have NOT removed this from my credit repot at all XXXX agencies. This is illegal for them to try to collect a debt that has been paid, and furthermore to report negative information on my credit report.
Product: Credit reporting or other personal consumer reports

There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX BANK XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/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 15 USC 1681. 

Account Name : XXXX Account Number XXXX Account Name : XXXX XXXX  Account Number XXXX Account Name : XXXX XXXX Account Number XXXX and 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

I discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. 
XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I offered to aide someone with a need for transportation ( a ride ) and in doing so they were trying to contact someone via their cellphone for help. This someone is XXXX XXXX. I then was experiencing car trouble and was getting assistance from roadside service. While I was distracted and outside of vehicle XXXX XXXX used my cellphone to make an unauthorized payment to himself via PayPal. XX/XX/XXXX I filed a police report and based upon their findings criminal charges were placed against XXXX XXXX. I contacted PayPal on XX/XX/XXXX and their representative stated they had made decision and declined my claim for unauthorized payment thereby validating payment and not returning money to my account. PayPal representative then told me my submission of documents nor a police report indicating a crime had taken place did not matter and would not change their decision. PayPal further stated that their investigation shows my phone issue payment and regardless of whether or not I gave consent they consider the payment valid. PayPal advertises their payment services as 100 % coverage for unauthorized transactions to everyones accounts yet in reality they support criminal activity and add further damage to the account holder who is victim to fraud/embezzlement. XXXX PayPal representative stated that their decision stands without consideration for material factual documentation. How is that? I have been given 4 different case # s and several different email addresses to send in documentation ; yet, they only have received it once. PayPal is very inconsistent and bias in their review process and for the majority offer no safeguards for their account holders and Sellers of XXXX. Unfortunately, this is not my first dealing with PayPal and their process is so lengthy for actions that take hours. Their review process is claimed to be in 10 days ; yet, after 3-4 days they have made a decision and not included the account holder in the investigation or even contacted the account holder. Currently, they are awaiting the 10th day to send me any updates and/or their decision when in fact they have made their decision final. Please help! PayPals review process is skewed and out right not socially responsible in their stance to support fraudulent activity.
Product: Credit reporting or other personal consumer reports

As a nurse I am required to have a clear background check and I have. A company called Checkr is being used by my new employer XXXX. Upon receiving my results I observed a notification that was sent to my employer for special attention a XXXX level XXXX attached to someone elses name. Although the company has my correct social security number and my correct nursing license number, they have somehow attached someone elses name and background. Although I have attempted to have the situation corrected I was informed that they will investigate and if needed correction are only undated every 30 days. This error which is most definitely not at all attached to me has caused my company to not allow me the ability to work and make money to feed my kids or pay my bills.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the accounts are even mine though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX  XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXXXXXX XXXX XXXX the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

I have been trying to get my free transition credit report as per the fcra sinceXX/XX/2016 and I have been unsuccessful. I have tried contacting transition but all employees on the phone are from over seas and dont speak clear English so there is a lot of miscommunication. I have more than one credit report on file and they cant fix it they said which is causing me issues when applying for a home. They have a lot of inaccuracies but I have no way of disputing them as I can not access an account. When I try online it says my account is having technical difficulties and doesnt let me log in due to having more than one file. It re-directs me to PURCHASE a monthly plan with them which is illegal. It is a money fraud scam!! I want this fixed or Im going public with the news and hiring an attorney.
Product: Credit card

My American Express card was charged by a merchant in XXXX. This charge was unauthorized and when I contacted the merchant, the unauthorized charged was reversed. However, the original charge and the refund posted by American Express was on different days and therefore, I was responsible for the difference in the XXXX denominated charges. This inaccurate charge is costing me {$49.00} and American Express is unwilling to correct this error.
Product: Credit reporting or other personal consumer reports

I previously requested that both XXXX XXXX XXXX XXXX, XXXX ( Account # XXXX ) XXXX XXXX XXXX ( Account # XXXX ) and your bureau on XX/XX/2024 provide valid documentation to substantiate the alleged debts in question. However, the responses I received consisted solely of billing statements, which do not constitute valid VOD as defined by the FCRA. The collection agency has failed to provide adequate proof of the debt, including the original contract, payment history, and any other documents necessary to validate the account. This lack of compliance with my request is a violation of 15 U.S.C. 1692g, which mandates that debt collectors provide verification of the debt upon request.
Product: Credit reporting

On XXXX XXXX, 2016, I attempted to order my credit report over the telephone. I provided all of the correct, required information. I am eligible for a free report because I recently placed a fraud alert on my file. However, I received an automated message that stated they did not have enough information to provide me with a report. Additionally, Trans Union has refused to delete outdated, inaccurate, and fraudulent information, even though I have substantial documentation to show the information should not be on my report. I thank you in advance for your assistance in resolving this matter of importance.
Product: Mortgage

I reached out to PNC Mortgage on XX/XX/19 to inquire about my escrow statement, and I believe they are in violation of RESPA. RESPA states that PNC can not collect more than one sixth of my annual escrow amount to hold as a cushion. My taxes this year were {$7900.00} and my insurance was {$970.00} ( {$8900.00} total ). We will have {$2000.00} in escrow after the XX/XX/XXXX payment. Our escrow is increasing to $ XXXX/month and they have also told us we have to pay a shortage of {$960.00}. The total for the next 12 months with these figures is {$11000.00}. That is an overage of {$2900.00} when our escrow payment is now {$740.00} ( 4 times the monthly escrow amount ). 

I'd like to confirm this is, in fact, a RESPA violation, and what recourse we have. 

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

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to you in regards to my credit report and the negative items that have been listed on it. After reviewing my report, I have discovered two negative items that I believe are in violation of the Fair Credit Reporting Act ( FCRA ). 

The first negative item is an inquiry made by XXXX XXXX on XX/XX/XXXX, which has reached the statute of limitation. According to the FCRA, outdated and irrelevant information should be removed from my credit report, and I request that you remove this inquiry from my credit report accordingly. 

The second negative item pertains to an account associated with XXXX XXXX XXXX, under account number XXXX. I have no recollection of ever belonging to this account, and it is impossible for me to update it. As per FCRA, I have the right to dispute any inaccurate or incomplete information on my credit report, and I request that you remove this frivolous account immediately from my credit report. 

I would like to remind you that the FCRA provides consumers with certain rights, including the right to dispute inaccurate information, the right to be notified when negative information is added to their report, and the right to have outdated and irrelevant information removed from their report. I respectfully request that you honor these rights and remove the negative items mentioned above from my credit report. 

Thank you for your attention to this matter, and I look forward to receiving confirmation of the removal of these items from my credit report. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Hello dear CFPB Im writing about my Barclays XXXX XXXX Business Card that I applied XX/XX/2018. 

After i applied Barclays reviewed my XXXX XXXX Credit Report i called and was advised to send my driver licence ss card and utility bill which i sent them. After that my application went to business review department which they asked me to send them all business documents and checking account informations fun facts they did not even know how to read and understand article of incorporation documents. Finally after 2 month i got my XXXX XXXX Business Card with {$1000.00} credit limit which was really not what i was expecting so i called them to ask them to increase my card credit limit and after was on hold one hour with lady XXXX  came back and said we are closing your account because we can not see inquiry that was placed when you applied for credit card which is completely false there is inquiry on my XXXX XXXX XX/XX/2018. this is really insane i wasted my 2 month sending them all documents they need and instead of getting credit limit increase they closed my card on false pretext. Again I have very good credit and never been late and very responsible borrower. Please assist me to reopen my business account and get high credit limit. thank you very much
Product: Credit reporting, credit repair services, or other personal consumer reports

This company violated my rights YOUR COMPLAINT 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 the following accounts XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX Transunion has violated y rights with this information on my report under 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