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

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX XXXX INQUIRIES XXXX XXXX XXXX XXXX  According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Payday loan, title loan, or personal loan

My problems is with Preferred Credit, Inc Account # XXXX. I have always paid on time and more than the minimum payment. However, my bill has always indicated a past due amount in the upper right corner of the bill. I contacted the company at least three times and it was never address. Also, the balance is constantly more than the amount I do actually owe. I spoke with them about that too with no success in getting the matter resolved. 
I would greatly appreciate some oversight intervention from your agency on my behalf. Thanks in advance!! 
XXXX XXXX
Product: Debt collection

Collection agency, WAYPOINT RESOURCE GROUP, suddenly appears on credit report as of XX/XX/2022. 

XX/XX/2022. - opened dispute with XXXX to investigate inaccurate collection. Estimated completion time was expected XX/XX/2022. 

XX/XX/2022 - XXXX day later, XXXX says they Verified debt was mine, but does not provide any information to me as to how they verified the debt was mine, as it is not my collection debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureau last XX/XX/ to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute outdated information on my credit report. Under the Fair Credit Reporting Act ( FCRA ), negative accounts should not remain on a credit report for more than 7 years from the date of first delinquency. 

The following accounts on my report exceed this limit and should be removed : XXXX. XXXX XXXX XXXX XXXX  years, XXXX months old XXXX. XXXX XXXX XXXXXXXX XXXX years, XXXX months old XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I request that you remove these accounts from my credit report immediately.
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 ) ( 1 ) ( 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 for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$4000.00} XXXX XXXX XXXXXXXX Balance : {$23000.00} XXXX XXXX XXXXXXXX Balance : {$2500.00} XXXX XXXX XXXX Balance : {$610.00}
Product: Checking or savings account

Mr XXXX XXXX of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX removed {$840.00} and {$24000.00} from my checking account. I gave them the wrong number. They would not let me change the number. I thought they would reimburse me {$24000.00} in a couple days. They said I owed them {$250.00} for some product. My money did not come back in a week. I did not give them my bank account number. They already knew it. I reported it to my bank. This transaction occurred on XX/XX/2020. The bank said it could be available on XX/XX/2020 or sooner. I spoke to my bank about the transaction. I changed my password. I was referred to you.
Product: Checking or savings account

For XXXX, I was shopping online and found a site where I went to buy some presents. The total was for {$110.00} on the website XXXX. I put in my order late Friday night on XX/XX/XXXX. When I did not receive any email confirmation, order number, or tracking number within the hour, I started to look into the legitimacy of the website. I found out that it was a fraudulent site that sold credit card information and steals personal information. I immediately emailed the " contact me '' on the site asking for my money back because " I placed an incorrect order '', hoping that they would refund me the money. Of course I received no correspondence back. Fake site, I'm guessing potentially fake email contact and site form as well. 

I immediately called my bank, Santander around XXXX on the same day, XX/XX/XXXX. I spoke with a very pleasant woman and explained the series of events that lead to this. The woman said that she would freeze the card number and issue me a new card, but that I could not file for a fraudulent charge until the charge showed up on my account - it was currently pending and hadn't gone through yet. That was fine. 

I waited until Monday, XX/XX/XXXX, later in the afternoon around XXXX to call Santander back now that the {$110.00} charge showed up on my account. The woman asked me a series of questions such as if I'd tried to contact the vendor myself to resolve the issue, if I had received any good ordered, etc. I answered respectively saying that I sent an email to them but suspected that they were not receiving any emails from a fake site anyway and also had not received any goods or even any confirmation of my order. She put in the claim. 

I received a letter in the mail later in the month ( I forget the date but I think it was the XXXX or XX/XX/XXXX ). The letter said that Santander is denying my claim. I called back immediately to ask why. The reasoning was " buyer beware '' and that I should have had better judgement and used more caution before purchasing goods online. However, this woman was very pleasant to me and said that she would put in a different claim instead of fraudulent charges that would be for not receiving goods. She asked me the same types of scripted questions and said that she would not include " fraudulent site '' or similar terms so that maybe the claim would not get denied again. 

Today, XX/XX/2019, I received another letter in the mail saying that my claim is denied ( Reference Number on the claim XXXX ). I feel like I did all of my due diligence. If a bank is going to exhibit this much apathy for their customers, I'm just angry.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a reoccurring problem with XXXX and Transunion allowing a Company named XXXX XXXX to every year update this collections account as current and partially paid on my credit reporting. They are reporting it wrong and against the fair credit reporting act. 
This account started in XX/XX/XXXX when I vacated an apartment and they agreed to take partial payment. They put it on my credit for paid less than full balance. I listed them on my bankruptcy as a debtor in XX/XX/XXXX. On XX/XX/XXXX, the United States Bankruptcy Court, XXXX   District of Oklahoma discharged my debts. XXXX XXXX XXXX is listed as a discharged debtor. I filed a dispute with XXXX. Yet, they allowed XXXX XXXX to continue to report this as an unpaid partial collection. In fact XXXX XXXX is showing they added it again XX/XX/XXXX as a partially paid collection with a note, Consumer disputes this account. This company needs investigated for continually going against the Federal Law and Federal Bankruptcy laws and needs fined so they won't continue to do it. 
Also XXXX and Transunion need fined for allowing it to be falsely reported on my credit report. I recently was issued a credit card for 24 % from XXXX XXXX because of this lowering my score and showing as current debt instead of included in Bankruptcy.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence engelhardt. v Gravens ( mo ) 281 SW715.719 Presume that no proof of the alleged debt. nor therefore any such that in fact, therefore exist.. ( please remove this account before I seek litigation for the defamation of character. ) XXXX XXXX Bal. {$510.00}, XXXX XXXX BAL. {$930.00}, XXXX BAL. {$0.00}, XXXX Bal. {$20000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX
XXXX
INQUIRY  WAS PLACED ON MY NAME WITHOUT MY PERMISSION 

CITI CARDS
XXXX INQUIRY WAS PLACED ON MY NAME WITH MY PERMISSION 


XXXX
XXXX
INQUIRY WAS PLACED ON MY NAME WITHOUT MY PERMISSION
Product: Credit reporting or other personal consumer reports

If you persist in apparent disregard, noncompliance, or deficiency of substantial, satisfying, and/or otherwise evident proof of compliant reporting practices, I must warn you that this letter serves as my official notice prior to my likely decision to petition a civil court nearest me for a writ of review related to the aforementioned issues I suspect. Please be advised that I am the injured consumer of your unproven or inadequate reporting practices. As such, I am contesting the assumed, but actually very conditional, reporting privileges for any and all of your claims challenged within this consumer complaint. This declaration calls for your demonstration of authoritative, certifiable, compliant, lawful reporting that assuredly adheres to no less than the mandatory state and federal reporting mandates and statutes. My demand for your fastidious scrutiny shall categorically include, but not be limited to, your adherence to accords cited within the FCBA, FCRA, ECOA, as well as any and all applicable laws within my state, proven to be commodiously ample for illustrating your adequate statutory reporting occurred exactly as related to any claim purported by you in my report ( s ). Particularly concerning to me is if any or all of your claim 's aspects are alleged yet display potential deficiency, having plausible deviations from your obligatory utilized industry standards for legal, fair, and ethical reporting and did so with respect to a comme il faut status. Incontestably, your compulsion should be that of certifiable conformity to the Metro 2 Data-filled Field Formatted Reporting Standards, per CDIA! 

I have recently obtained copies of my personal consumer credit report ( XXXX ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5- day notice to me as mandated by reporting regulations that you MUST comply with. 

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within five ( 5 ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( s ). 

Listed below are the Accounts that are being challenged XXXX - XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX ) - XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) - XXXX XXXX XXXX XXXX  XXXX XXXX {$650.00} XXXX XXXX XXXX  XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested the method of Verification from Transunion and they refuse to send the method of verification for a Chapter XXXX Bankruptcy. I enclosed the letter from the court system that states they do not provide information to the Credit Bureaus.
Product: Debt collection

I am writing to bring to your attention a matter of significant concern regarding the inconsistent reporting of fraudulent accounts on my credit report. Upon reviewing my credit report, I have observed that the status of these accounts changes every month, indicating a potential glitch or error in the reporting process. This inconsistency is not only confusing but also damaging to my credit record. 
XXXX XXXX - XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable XXXXXXXX XXXX XXXX XXXXXXXX .... - XXXX  have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable I have taken the necessary steps to dispute these fraudulent accounts as they are inaccurately reflected on my credit report. However, the constant change in status every month raises suspicion that there might be a technical issue or glitch within your reporting system. 
It is crucial to understand that this inconsistency is not only impacting my credit score but also creating an environment of uncertainty and confusion. I strongly believe that the fluctuating status of these accounts is indicative of a system error rather than an accurate representation of my credit history.
Product: Checking or savings account

On XX/XX/2019 2 transactions were pending on my checking account at PNC Bank. I made a deposit to the account but it was only enough to cover one of the transactions. PNC paid the largest transaction first which caused me to be charged 2 Overdraft Item Fees instead of one. This isnt fair. There was enough to cover the smallest transaction but PNC chose to pay the largest transaction first which caused me to be charged 2 Overdraft Item fees. I called and asked for an explanation on XX/XX/2019 and was told that I had to make a deposit to cover both transactions. I asked to speak with a supervisor but none were available, so they scheduled a callback within 24-48 hours. I specifically asked to be contacted after XXXX XXXX because I work from XXXX-XXXX and they had someone call me from a department thats only open from XXXX-XXXX. I called back on XXXX XXXX and was told that the only department that can assist me is open between XXXX-XXXX. I think it is incredibly unfair and deceptive that a bank can choose to post my transactions in a way that causes me to be charged additional fees and then make it inconvenient to speak with anyone who could provide a resolution.
Product: Credit reporting or other personal consumer reports

I notice an improper and inaccurate Tradeline on my credit report due to equifax data breach
Product: Credit reporting, credit repair services, or other personal consumer reports

ow do I write a hard inquiry removal letter? 
To whom this may concern, I am writing to request the removal of unauthorized credit inquiry/inquiries on my XXXX, XXXX XXXX  TransUnion credit report. My latest credit report shows 13 credit inquiry/inquiries that I did not authorize.
Product: Debt collection

On XXXX XXXX, 2015 at XXXX, I received a call from a gentleman who said he represented The Revenue Group. He said he mailed a letter to me in XXXX and that I did not respond. I asked him to please re-send the letter as I never received it. He refused. He said he 'd tell his client that I was unresponsive. I told him that was not correct, and I asked for the letter to explain any debt he was trying to collect. He hung up. I am not aware of ANY debt I owe that would end up in collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

After years of struggling to make payments on my private student loans. Navient charged my loans off to a debt collection bureau. I was able to eventually reach a settlement for XXXX dollars with the debt collection bureau to settle the delinquent debt and put the loans in a positive status as paid in full as a result of settlement. Even after reaching the settlement and filing several disputes on all three credit bureaus, Navient is still incorrectly reporting my accounts as delinquent and charged off. Pay law they should change the status and it should be reflected on the credit report.
Product: Credit card or prepaid card

In XX/XX/2018 I noticed around {$26000.00} of fraud on my HSBC credit card - mostly at two stores in a different state over a two day period. I was surprised that HSBC didn't flag this as fraud, so I called them to report it. 

A few days after reporting it HSBC had closed the account and opened a new credit card. They produced a statement on the old account showing the large balance with a due date just a few days later. I was advised to ignore the statement, but was annoyed at getting a statement that said it required payment so soon. Unsettling that the paperwork from the bank said one thing and the staff said another. I made several phone calls about this and to request updates about the investigation. HSBC Premier advertise a 24/7 customer service number but outside XXXX they aren't really able to answer this type of question. 

HSBC report a credit score on statements. During the fraud investigation they were reporting a significantly lower score on my statements which was concerning as it was flagged as being caused by " large balance '' ( the fraud amount ). They were not able to satisfactorily explain this or explain why the score they reported had changed significantly whereas the score from other sources ( XXXX XXXX, XXXX XXXX, XXXX, etc. ) had actually not changed. 

By the end of XXXX I received a letter saying the issue was resolved and that I did not owe the money. I also received a statement for the old account with the full balance on the statement but with a minimum payment due of {$0.00}. 

A month and a half later on XX/XX/XXXX I received another statement but this time is said I had a past due amount of around {$500.00} despite the prior statement saying no payment was due. I called the 24/7 premier customer service at HSBC but they were not able to help although they did suggest calling during XXXX Mon-Fri. 

I asked about their complaints procedure and was transferred to a manager who took down some notes. I asked when I would receive a response and he responded by saying that HSBC do not respond to customer complaints. I asked if there was a mailing address I could write to and was told no. I asked if there is any way of escalating a complaint - he suggested the better business bureaux and he said there was no federal complaints process for financial companies. 

My issues with HSBC : 1 ) Incorrect statements continued to be generated after resolution of fraud - amount, past due amount, due date, credit score and reason. Advice was often to ignore the statement ( not really acceptable - would prefer it to be corrected or answered in writing ) 2 ) According to the manager I spoke with : HSBC do not have a way for someone to log a complaint and get a response. 
3 ) HSBC failed to advise me of CFPB when I directly asked about government or regulatory complaint procedures 4 ) Failed to spot fraud
Product: Vehicle loan or lease

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX XXXX XXXX Account Number XXXX has violated my rights. 
Credit Limit : {$7100.00} Date Opened : XX/XX/2022 XXXX XXXX  Account Number XXXX has violated my rights. 
LOAN AMOUNT {$49000.00} Date Opened : XX/XX/2022 15 U.S.C 1681 Section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section : 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 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 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

Second Request : I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, 2021 I applied for an health insurance application. I submitted my Social Security number along with my husbands which I never do because I have been victim of identity fraud in 2000. 

XXXX XXXX, 2021 someone applied for a XXXX XXXX XXXX  credit card using my personal information & identity. XX/XX/XXXX I received a text stating my credit had been approved and my cards would be in the mail within two weeks time. 

Since I had not applied for a XXXX  credit. I called XXXX XXXX XXXX and was informed that on XXXX XXXX somebody applied for credit using my personal information ( social security # ). 

I have informed the credit bureaus and have a police report. 

Last week my husband received a fraudulent call from Someone claiming to work in the liability department of XXXX XXXX. They asked if I had a secondary health insurance policy. I called my health insurance company, XXXX XXXX, who stated they did not call. The impostor seem to have records of my doctors appointments. 

My recent credit report states I work for a company called XXXX XXXX services. This is incorrect information.