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

To whom it may concern : The Fair Credit Reporting Act gives me the opportunity to dispute any information on my credit report that I believe is inaccurate. This law requires all data in a consumer 's file be documented and validated before it can be used by creditors, so I take this seriously! The allegations of delinquency and derogatory behavior against me are false. I will fight back with all my strength! Your report accuracy is crucial. The allegations you are reporting do not meet federal or state requirements for reporting, so they can not be confirmed. I challenge this claim because it lacks compliance by meeting some basic standards that would make me feel more confident in what is being said. You are required to maintain and report data with complete accuracy and compliance. You must not report any claims that you know should be in compliance with regulations. We need to make sure all of your claims are accurate and reported in the correct format, as this is required by law ( FCRA ) as well as reporting standards XXXX XXXX. However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as notice that you are not doing your job properly. It is imperative for this issue to be resolved immediately, or else there could potentially be serious consequences I'm giving you 30 days from the date of this letter to resolve this issue, otherwise there could be consequences. I would like to receive physical proof of your actions and my updated credit report. The listed claims appear to be inaccurate. Please provide accurate and verified information for each claim, as the allegations are not true or I'll delete them immediately if that is indeed the case. 

In accordance with the Fair Credit Reporting Act, I am writing to bring specific inconsistencies in my credit report to your attention, specifically pertaining to billing errors as outlined in 15 U.S. Code 1666 ( b ) under the billing error category : World Finance - XXXX ( XXXX ) The creditor 's failure to accurately reflect a payment made by the obligor or credit issued to the obligor on a statement. 

( XXXX ) A computation error or similar accounting error made by the creditor on a statement. 

It is my knowledge that the creditor failed to furnish me with a statement 21 days prior, which ought to render any ramifications of late payments regarding the above linked accounts. I am in pursuit of concrete evidence from the creditor 's bank records that will support the assertion that I failed to make a payment, resulting in an erroneous designation as late - a sign of an invoicing error - therefore. 

I humbly request that the subsequent entries be promptly updated on my consumer credit report to reflect their current status as follows : " PAID AS AGREED ''
Product: Mortgage

Lakeview / XXXX website has been down since XXXX XXXX. After announcing their site back online and calling it " enhancements '', the site is slow or unresponsive entirely. 

Calling their customer service - no operators are available, the calls are just dropped when you attempt to get a person to speak with. 

Further research shows a major data breach and/or a ransomware attack. They have not been forthcoming on ANYTHING to us as customers, but rather tried to play it off as " website enhancements '' which is downright insulting. 

Tell your customers what is going on and stop lying.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called TransUnion and XXXX  questioned an inquiries of XXXX, XXXX XXXX  and XXXX XXXX on my credit report. I told them that I did not make these two inquiries on my credit file. They gave me the run around.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business after the date of receipt. It has been XXXX  days and you are in VIOLATION of this law because i am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts list IMMEDIATELY! 


Accounts : XXXX XXXX XXXX - {$3600.00} - Date Opened - XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX - {$620.00} - Date Opened - XXXX XXXX, XXXX XXXX XXXX XXXX- {$1700.00} - Date Opened - XXXX XXXX, XXXXXXXX XXXX XXXX XXXX - {$4000.00} - Date Opened - XXXX XXXX, XXXX XXXX  XXXX XXXX  - {$680.00} - Date Opened - Sep. XXXX, XXXX Adresses : XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX IL, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX IL, XXXX XXXX XXXX XXXX CT, XXXX IL, XXXX XXXX XXXX XXXX XXXX, XXXX IL, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX IL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX IL, XXXX
Product: Student loan

My name is XXXX XXXX XXXX. When I contact and speak with a XXXX at Aidvantage, I am told my loans are on hold and in a forbearance until XXXX/XXXX. I have waited years to get my student loans discharged, the schools I have attended which are XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX are all on the list of schools to be XXXX through the XXXX XXXX XXXXXXXX settlement. I applied for borrower-defense back in XX/XX/XXXX, received my letter back in XX/XX/XXXX about having all my loans discharged due to the schools of my attendance and was supposed to receive my full discharge and settlement by XXXX of this year XXXX, it is Now XX/XX/XXXX and I have had NO movement on my account since XXXX of XXXX and that was due to me consolidating my loans. After being defrauded by these schools, it should not be this difficult to return my funds when it was so easy to take them away. All I am receiving is scripts read off by the XXXX 's at Aidvantage again about my loans being on HOLD and in a forbearance status until XXXX of XXXX! I contacted Aidvantage several times before and after receiving my discharge letter back in XX/XX/XXXX. They again kept reading a script stating it may take a few months, up to 7 months before everything is cleared up but Congratulations on getting your student loans discharged. It has been over a year and still no full settlement!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX  data breach and may have gotten into hands of the wrong person.
Product: Debt collection

I am not aware of where this came from. My data was leaked from XXXX XXXX ( they publicly acknowledged it ) and I am XXXX XXXX XXXX and my SSN is exposed to hundreds if not thousands of people.
Product: Checking or savings account

I have established an in-bound Credit ACH from PNC 's home banking platform. 
PNC sends the request via ACH to XXXX XXXX for a Debit of {$1700.00}. 
XXXX debits my checking account onXX/XX/2019. 
PNC does NOT reflect the deposit on XX/XX/XXXX nor XX/XX/XXXX, it is reflect on the third day as PENDING ( funds not available ), and will reflect the deposit on XX/XX/XXXX as available. 

If I were to make this local deposit ( Both Banks in the same Fed District ) at an ATM or Teller, the funds would be available overnight. If I use mobile deposit, the funds are available overnight. 

The external monthly reoccurring platform parameters/software/third party provider is preventing consumers access to their funds, potentially creating overdraft situations. 

While PNC states that external transfers could take 3-4 days (???!! ) to post, it is not consistent with their funds availability on other platforms ( ATM, Teller, or Mobile ). 

This is a problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

Closed and paid account is reporting late payments that are not actual. I would like the late payments removed or the entire trade line deleted from my credit reports with all 3 bureau 's
Product: Mortgage

In case # XXXX, SPS does n't address anything that I submitted ; they just repeated that they thought that my transaction is not a rescindable transaction, and sent copies of everything that everybody already have copies of. 
They do not address my taking issue with them calling the XXXX mortgage payoff a " protective advance '' instead of a consolidation payoff because there was nothing to protect ... I was not in danger of foreclosure by XXXX XXXX, so there was nothing to protect. If what they say was valid, everybody anywhere who has a XXXX mortgage is in danger of their XXXX mortgage being paid odd just because the XXXX mortgage holder wants to, and then calls it a " protective advance ''. 
SPS did not address anything ' as I stated, they just provided copies of correspondence that I already have.
Product: Credit reporting or other personal consumer reports

Subject : Consumer Complaint Regarding Identity Theft and Unauthorized Account Reporting Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX, IA XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding identity theft and unauthorized account reporting on my credit report. I believe that my rights under the Fair Credit Reporting Act ( FCRA ) have been violated, specifically in relation to 15 U.S. Code 1681b, 15 U.S.C. 1681c ( 1 ), and 15 U.S.C. 1681c ( 2 ).

Name : XXXX XXXX Email : XXXX Date : XX/XX/2023 The specific issue I am encountering involves several unauthorized accounts, including XXXX XXXX XXXX account number XXXX, Credit Strong account number XXXX, XXXX XXXX account number XXXX and,. I have never provided written consent for these accounts, and I strongly believe that they are a result of identity theft. The FCRA clearly states that consumer reporting agencies must obtain written consent before furnishing a consumer report to any party, as outlined in 15 U.S. Code 1681b. Furthermore, 15 U.S.C. 1681c ( 1 ) mandates the prevention of identity theft by blocking any information resulting from such an incident, without the need for written consent.

Despite notifying the credit bureau and providing evidence supporting my claim of identity theft, the unauthorized accounts have not been removed from my credit report. This failure to address the issue is a violation of my rights under the FCRA.

I kindly request your assistance in investigating this matter and ensuring that the credit bureau takes appropriate action to rectify the situation. I am seeking the immediate deletion of the unauthorized accounts from my credit report, as required by law.

Thank you for your attention to this matter. I look forward to a prompt resolution to this dispute and the protection of my consumer rights. 

Sincerely, XXXX XXXX
Product: Bank account or service

Between XX/XX/XXXX, I opened Personal and Business Checking and Savings Accounts at Bank Of America. 
The accounts were fairly active. XX/XX/XXXX Bank of America 's early warning department flagged my account for insufficient funds and closed my accounts, requiring that I pay my the NSF 's and bring my account current before the accounts can be reopened. I subsequently paid all those accounts and requested that those accounts be reopened. 
Bank of America reviewed the accounts and claimed they will never open any account in my name ever again, on the assumption of illegal operation. Since their was neither an investigation or proof of any illegal activity or any intent to be fraudulent, I want to know if Bank of america or any bank can arbitrarily refuse an american citizen or a us resident access to banking services.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Balance : {$5900.00}
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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX, XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. 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. 

FOR XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

We received assistance for XXXX from Keep Youf home California in XX/XX/XXXX. Rushmore was unable to have our new payment amount solidified and did not have answers to any of my questions until around XX/XX/XXXX. They then informed me, yes informed me because I dont get any sort of monthly statement ever, that my payment which was barely decreased with that XXXX assistance would be dude XXXX, XXXX. Although we still didnt have any of the paperwork worked out. I was given a payment amount with no statement in XX/XX/XXXX. I asked and asked and begged for months to get a breakdown of how they XXXX was applied since my payment barely went down. I never got it besides a vague email From XXXX XXXX. NEver did I get that statement breakdown from Him Or anyone. Nor do I get monthly statements and I have no online access. And my point of contacts XXXX XXXX has not Returned my calls once. The arrears were In the XXXX I believe when they got that XXXX in XX/XX/XXXX. I was to start off fresh XXXX XXXX, with much lower payment and i never did find out how the excess funds were applied to the account. I preferred and asked for It to be to oncoming payments, However I didnt ever get answers, except for a vague email in XX/XX/XXXX. I always told XXXX that wasnt enough and we wanted the excess of almost 50,00 to be applied to future payments. Nothing ever happened despite My numerous requests. In XX/XX/XXXX I received a NOD for backed up Payments since XX/XX/XXXX. I just received a notice of foreclosure Sale for XX/XX/XXXX. Ever since I got the NOD in XXXX Ive been calling trying to work something out and get some answers as to how these Funds were applied from KYHC. To no avail. Ive also hasked for payoff for or reinstatement quotes with no response. These people are complete and corrupt criminals. They just want to scam people out of their homes.
Product: Money transfer, virtual currency, or money service

I was scammed trying to sell something XXXX XXXX XXXX. I was told I need to upgrade to a business account and sent over {$200.00} to a scammer. This was through zelle and I called my bank and they said theres not much they can do.
Product: Credit card

On XXXX/XXXX/XXXX I look in to my credit report with XXXX I the XXXX report to find XXXX inquiries ( XXXX/XXXX/XXXX and XXXX/XXXX/XXXX ) into my credit buy : XXXX XXXX XXXX, sd XXXX XXXX I did not give them permission to do a hard inquiries into my credit.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report, and I noticed that some of the information on my report should not be on my reports and are a violating of the law. The account ( s ) with XXXX XXXX XXXX Account number XXXX Original creditor XXXX XXXX Balance {$1800.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX Account info Account number XXXX Original creditor XXXX XXXX XXXX XXXX Balance {$640.00} Balance updated XX/XX/XXXX COLONIAL AUTO FINANCEXXXX Account info Account number XXXX Balance detail, Original balance, {$11000.00} XXXX XXXX XXXX Account info, Account number, XXXX Balance {$840.00}, Balance updated, XX/XX/XXXX XXXX XXXX XXXX, Balance {$1100.00}, Balance updated, XX/XX/XXXX XXXX XXXX XXXX Balance {$480.00}, Balance updated, XX/XX/XXXX I never gave anyone consent or permission to sell my information which is against the law to do so The first violation that was committed was the FCRA law 15USC & 1692g. They were to notify me of this in writing 5 days prior, I was never notified as the original creditor, only I can validate this debt. Therefore, the following accounts must be deleted from my reports immediately. In accordance with the Fair Credit Reporting Act ( FCRA ) the following accounts :, has violated my rights 15USC 1681-602A states I have the right to privacy ,15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent and instructions. I am not liable for this collection they have not provided me with the original contract as I have requested several times. 15 USC 1681 ( a ) ( 2 ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in the " consumer report ''. By Law, the IRS defines a charge off accounts as cancelled debt that you have to pay taxes on meaning the charge off accounts are now earned income for me the consumer. Collections & Charge offs accounts over {$600.00} reporting to my consumer report is tax fraud. By Law companies are supposed to send me the consumer a copy of the XXXX from the accounts that has been charged off written as loss. The collection is now income by IRS law states that income can not be reported as debt. Please remove these accounts from my report this is against the law and is considered tax fraud.
Product: Debt collection

XXXX I used PayPal via XXXX to pay {$150.00} for a purchase. Immediately after, I realized it was a fake account/scam. Then the person disappeared. Now I am receiving a collection request from XXXX XXXX XXXX Reference # XXXX, account # XXXX. When a person uses PayPal to pay a third party a question is supposed to come up asking if the payment is for Friends and Family or a transaction for a purchase that includes consumer protection. This question did not come up during my transaction. It automatically defaulted to Friends and Family which offers no consumer protection. This is a gap in the XXXX or PayPal system. I immediately reported this to PayPal and XXXX as well as my financial institution. Monies were moved from my accounts to create a XXXX balance for funding PayPal/XXXX but payment still processed leaving a negative balance in my PayPal account . I have since been blocked from using PayPal since the debt has not been settled. I have screenshots of this transaction and notes from my conversations.