23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Received a notice from debt collection agency on XX/XX/XXXX, XXXX which was dated XX/XX/2020. I immediately responded to the notice requesting validation of the debt, for which I have documentation they received on XX/XX/2020. I did not receive a response and on XX/XX/2020 I ran my credit report and discovered that on XX/XX/2020 the debt collector had reported this item on my credit report ( s ) although they had received a letter to validate the debt prior to this reporting which they had failed to respond too. i disputed this with the credit bureaus for which they had reported explaining the no response to the validation of debt letter. XXXX immediately removed this account from my report. At this point XXXX had not yet received their dispute in the mail. In XXXX, I received a letter from the collection agency dated XX/XX/2020 stating that although they had no obligation to do so that they were providing the validation of the debt. Which was not a complete method od verification. They provided a typed letter of the amount they claimed to be owed by the dispute supervisor, as well as a bill ledger, They did not provide a document bearing my signature, the contract between them and the original creditor, their license to do business in my state, or proof the debt owed is within statue of limitations for my state. At this point XXXX states that the account was verified by the collection to be correct and has it to remain on my credit report. This should have never been placed on my credit report as I made contact with this agency prior to and they did not provide validation of this debt,
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 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 The above creditor have violated my rights under the quoted sections. I did not give my written instruction to furnish the accounts. Allegedly validating a debt isn't justification for not receiving my written instruction.
Product: Credit reporting or other personal consumer reports

I was looking at my credit report and noticed inquiries that are not mine.
Product: Credit reporting or other personal consumer reports

Dear TransUnion I see that you verified the account listed below : U.S. Bankruptcy Court : Account number : XXXX, This account was closed. Why is there a balance? Please validate this account for me thanks. 

XXXX : Account number : XXXX, This account was closed. Why is there a balance? Please validate this account for me thanks. 

XXXX XXXX XXXX : Account number : XXXX, This account was closed. Why is there a balance? Please validate this account for me thanks. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.
Product: Credit card or prepaid card

In XX/XX/XXXX my Bank of America XXXX card was hacked and XXXX was transferred to someone elses account. This has happened before and after 4 different times for much lower amounts. Each time I got a new card. Reset passwords and security questions and BOFA returned lost money but the claim for XXXX was denied by BOFA and no reason was given. I was told by a claims rep that they had changed systems and submitted a new claim that was denied because the first claim was denied. BOFA submitted a claim denial review on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name :XX/XX/XXXXXXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XX/XX/XXXXXXXX XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXXXX/XX/XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX Account Name : UNKNOWN # XXXX - DATE OPENED XX/XX/XXXX Account Name :XX/XX/XXXX# XXXX Account Name : XX/XX/XXXX# XXXX
Product: Credit card

The bank must not supply information to a credit reporting agency that it knows is inaccurate. In this case, the bank is reporting a debt as charged-off when was settled it or paid it in full. Attached to this complaint will be documents that supports the bank 15 U.S. Code 1681 605. ( 8 ). violations.
Product: Student loan

I had student loans starting from XX/XX/XXXX. Once it was time to start paying I called us doe, was told XXXX XXXX had my loans. Called XXXX XXXX and they informed me Navient had them. Navient was adamant they did not. Spent 2 years you g back and forth looking for my loans. I gave up. Fast forward to XX/XX/XXXX XXXX XXXX tells me that NAVIENT sold my loans to them. Too late, they had been in default for a while. I had to rehab them. Meanwhile my credit score drops severely. I pay XXXX XXXX for 10 months only to find out they got transferred BACK to Navient!! I do n't want to deal with these people and have to worry about if they 're going to do me dirty again. I should have never been in this situation to begin with. Navient lied to me about not having my loans when they did and it hurt me since I was not able to make my payments. What can I do??
Product: Checking or savings account

Unfortunately My father passed away XX/XX/2021. I was left to keep up with everything. I found 3 checks under my fathers name at home, he had the tendency of sometimes forgetting to cash them out, so with everything going on ( funeral, bills, school, mychildren, work ) I didnt have time to go up to the bank ( chase bank ) so I deposit all 3 checks to my account thru my mobile app didnt think it would be an issue since Im his XXXX daughter. I deposit 2 of them on XX/XX/2021 one for the amount of {$700.00} which was returned for altered and another for {$630.00} which was returned for NFS and the 3rd one was deposit via atm XX/XX/2021 for the amount of {$550.00}. I went to the bank office and I also called explaining the situation I had no way of knowing if they where cashed or not I also tried to explain he passed away but he signed all 3 of them tried to provide death certificate but I was turned away without any help or chance. And was told my account would close without further investigation. 
I wasnt even told I had to find out thru my mobile app. I never received a letter from them at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am speaking about XXXX, XXXX, and Experian. The report shows I owed money to the company that I have already repaid. On some of the reports it has duplicate. They are student loans ( dept of education ), some have XXXX also reporting.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  is over two months behind reporting my updated account balance to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has been closed for if not 2 years almost 2 year and my credit limit before I closed the account was {$4000.00} also it was that same amount until about XXXX of this year and now its about {$3000.00} which removes {$1000.00} of payment off my report and make it look like I havent really paid anything because my balance is {$2800.00} roughly. When I wrote to them about this several times they couldnt give me a good explanation so they ran a hard inquiry without my permission and side it was because of that. But yet the account is closed so my limit shouldnt be touched at all because it not opened for new purchases.
Product: Debt collection

I have sent certified return receipt mail to this collection company " EOS CCA '' to validate this debt. they have not yet validated the debt in over 6 months a default letter was also sent to the company, and still no response. I have also sent a dispute letter to all credit bureaus regarding this matter. XXXX and XXXX   have removed this from my report. Although, XXXX has not removed it. They have stated that the account was verified. It seems to me this collection company has violated the Fair Debt Collection Practices Act.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

On XX/XX/XXXX, I received an email stating that my savings account had been frozen. The email also requested a photo of my government ID, along with unredacted XXXX and XXXX account statements for my funding account. The documents, according to the email, would be reviewed within two business days. I promptly submitted the requested documents on the same day and called to inquire about the situation. 

During the call, I was informed that my account had been flagged for review and was asked to provide personal information, including details about the transfers, such as dates and amounts. I provided the requested information, and the representative assured me that they would contact me once the review was complete. 

Despite the stated two-business-day review period, I did not receive any further communication. I made follow-up calls on XX/XX/XXXX and XXXX and also sent messages through their message center on XX/XX/XXXX, but I received no additional information. 

On XX/XX/XXXX, I received an email notification that my savings statement was available. However, when I attempted to log in, I discovered that my account was still locked. I called customer service again and was informed that my account would be closed. When I inquired about the reason, they declined to provide any further information.
Product: Credit reporting or other personal consumer reports

I WANT THESE INQUIRES DELETED BECAUSE I DID NOT AUTHORIZE THESE COMPANIES TO RUN MY CREDIT THAT IS FRAUDLENT
Product: Credit reporting, credit repair services, or other personal consumer reports

today, XX/XX/XXXX, I spoke with XXXX/ XXXX  about my forbearance and incorrect credit agency reporting. Asked them to correct the situation and was told they did not provide the information. 

During my forbearance my loan was reported as late for XXXX, XXXX and XX/XX/2020, when I made these payments in full. 

I have wrote to them today providing proof that my payments were reported as late for 3 months. 

I also cancelled my forbearance as I am unable to refinance my loan while on forbearance. 

Have requested my credit report so I can dispute this information but that will take 30 days. Unable to start credit union complaint online! unable to speak with anyone at Trans Union or XXXX. XXXX   requested proof of identity and would not start complaint. The questions they use for screening would require me to have my credit report in order to answer them. I have a XXXX XXXX  that has affected my memory.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted TransUnion about a issue on my credit report over 120 days ago. I filed a CFBP complaint and that allowed the an additional 60 days why? They already had well over 60 days the first tike I asked for an investigation of this falsely reported account. Then they responded that they needed to check with the data furnisher to see if the information is correct. They how did they report the information on my credit report as accurate but no have to check and see if the information is correct with the data furnisher? By law they must report accurately on my credit reports or immediately remove an false, unverified or misleading information. They are in clear violation of FTC Regulation and Basel3.
Product: Credit card or prepaid card

The Chase XXXX was discontinued on XXXX and converted to a Chase XXXX card. A rewards perk with the XXXX card was a free nights stay with a spending amount of {$12000.00} a year. In a letter sent to me, it stated that the limit would be reduced to {$6000.00} in order to receive the free night certificate. I have met this requirement and have called in to Chase to both confirm this and to inquire when the certificate will post. The representatives I have spoken to have limited knowledge on this conversion and I have spent a good amount of time on hold only to get vague information.
Product: Debt collection

This debt needs to be removed immediately. I was told via phone by the original company I was not liable anymore for this as it was paid for. Please remove this from my credit report.
Product: Vehicle loan or lease

Not familiar with information, it is an error and should not associated with my name
Product: Credit reporting, credit repair services, or other personal consumer reports

I write this complaint to you today with a heart heavy with disappointment, as I find myself entangled in a web of outdated and fraudulent information in my credit report. The credit bureaus ( XXXX, Equifax, and XXXX ), entrusted with the responsibility of safeguarding the integrity of financial data, have failed in their duty, leaving me to suffer the consequences of their negligence. Despite my repeated requests for the removal of this misinformation, the credit bureaus have turned a blind eye to my pleas. They have ignored my rightful demands for accuracy, allowing erroneous data to persist on my credit report, casting doubt on my financial standing and impeding my access to fair opportunities. This outdated and fraudulent information has far-reaching consequences. It tarnishes my reputation, hindering my ability to secure loans, obtain favorable interest rates, or even pursue certain employment opportunities. The credit bureaus ' indifference to my plight demonstrates a disregard for the well-being of hardworking individuals like me. I implore you to rectify this grave injustice promptly. Remove the outdated and fraudulent entries from my credit report, restoring the accuracy and integrity that should be the hallmark of your institution. Failure to address this matter will only further erode the trust and confidence that the public places in your services. Let it be known that I will not rest until justice is served until the credit bureaus are held accountable for their transgressions. My voice shall not falter, for I stand united with countless others who have suffered at the hands of their negligence.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 the credit company 's claimed that the information for a bankruptcy was verified. In your response you said the account was verified by XXXX XXXX, I disputed the accuracy of this information and they could not verify the account! You have violated my consumer rights. 
You stated that the account was verified, how did you come to possess this information? 
I am very sure I did not give you any permission ; no permissible purpose. 

15 USC 1681b ( A ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

When did I give you permission? Your action amounts to fraud and aggravated Identity theft 15 USC 1681q You Obtained my information under false pretenses. 

Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title XXXX, imprisoned for not more than 2 years, or both. 

18 USC 1028A Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. 

You are guilty of obtaining my private non public personal information, you had no form of permissible purpose, you knowingly accessed my consumer report without any permissible purpose. 

The account # that you have verified can not be verified, the data furnisher must verify this disputed request, yes both of you alleged that this account was verified, But as you can see, in the attachments the source you have used to tell you verified just deleted this inaccurate account in less from the consumer report. 

Promptly delete this account from my credit reports and to every person you have furnished this inaccurate into to.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 U.S code 1681b ( a ) ( 2 ) I am aware that a consumer reporting agency needs the written instructions of I, the consumer, to furnish a consumer report. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. Please provide the written instructions that I, the consumer, gave to Equifax which has authorized the furnished information. If you can not provide me with these instructions written, this has been a fraudulently made consumer report using my identifying information. 

1. Addresses : XXXXXXXX XXXX XXXXXXXX XXXX XXXX VA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX, XXXX XXXX XXXX XXXX XXXX Ca XXXX 2. Phone number : XXXX 3. XXXX. XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX XXXX 9. XXXX XXXX 10. XXXX XXXX 11. XXXX XXXX 12. XXXX AR XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, someone, most likely a PayPal employee, accessed my account, linked a new XXXX XXXX account, and transferred {$28000.00} to that new XXXX XXXX account. I notified you of the unauthorized transfer immediately on XX/XX/XXXX and also notified XXXX XXXX of the unauthorized transfer. XXXX XXXX restricted the account as an identity theft account, and requested instructions from PayPal to return the funds. PayPal refused to acknowledge that the transfer was unauthorized, and therefore refused to provide instructions for XXXX XXXX to return the funds. After almost 2 months, and dozens of phones calls, and countless hours of hold time, by myself, and Detective XXXX of the XXXX, XXXX Police Dept, PayPal finally informed me that you have provided instructions to XXXX XXXX to return the funds. 

XXXX XX/XX/XXXX, XXXX XXXX transferred {$27000.00} back to PayPal. As of today, XX/XX/XXXX, PayPal has yet to return the funds to my account, claiming they can't find the funds. That is obviously not credible. The instructions that PayPal sent to XXXX XXXX would include the beneficiary of the funds to be returned, with my name and account number, etc. It is not credible that {$27000.00} was transferred back to my PayPal account, yet PayPal can't find the funds after 2 weeks of searching. 

PayPal has done everything possible to avoid returning money stolen from my PayPal account, back to me, even with the money still sitting in a XXXX XXXX account ready to be returned. Now that the money has finally been returned to PayPal, PayPal is pretending you can't find it!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Last XXXXXXXX XXXX XXXX  I had scheduled a payment with XXXX XXXX for my account. I recently had my debit card stolen so my funds were not in the account. I spoke with them to set up another bank account to connect since my previous one was stripped of funds. After the call they said my new account would process the payment. Once the due day occurred it didnt come out of the original account so it bounced back which caused me to be 30 days late. I have never missed a payment ever and felt this was really frustrating considering the fact I just had spoke with them on the phone. When I reached back out the company didnt take ownership and said they couldnt do anything about it.
Product: Mortgage

I applied for a refinance loan from PNC Bank in XXXX. The loan was to cover a PNC mortgage and a home equity loan. I am XXXX and my wife is XXXX. We had to cancel a loan application from another company because they asked to copies of cancelled checks from my wife 's clients they wrote to pay her. This is a requirement she can not provide. I informed PNC of this problem when I first contacted them. A loan officer last named XXXX, told me that was not a requirement took my loan application and {$500.00} for an appraisal. XXXX XXXX informed me via email that the loan was approved and gave a closing date of XXXX/XXXX/16. The time was later set at XXXX XXXX. However, at XXXX XXXX XXXX called me and said that the check copies would not be required to close. I told her we would not give the copies ; and even if we could, we could no do it in time to make the closing. I therefore feel that PNC lied to me, misled me, and took my money under false pretenses. I also think that the requirement for the copies was just an excuse to cancel the loan. Had PNC Bank told me at the beginning that the copies were required or that they feel uncomfortable loaning money to the XXXX or XXXX, I would not have proceeded with the application.
Product: Credit reporting or other personal consumer reports

EXPERIAN has caused me to suffer harm by invasion of consumer privacy harm to my reputation and physically and economic by listing XXXX  on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I didn't authorize and I don't consent to my sensitive information to be shared with out permissible purpose