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

Midwest Recovery systems located at XXXX XXXX XXXX XXXX XXXX Mo. Has attached a collection account in the amount of {$640.00} to all 3 credit reporting bureaus. 

I do not know who this company is and have never received any documentation from them at all none whatsoever. I am disputing the account as not mine and suspect this is a fraudulent attempt to collect monies not owed.
Product: Credit reporting

I received a packet from the FTC and in this packet was an identity theft information packet and in this I turned to the page about reporting identity theft to a credit bureau, and on this page it states that if I submit my affidavit and police report and the bureau accepts it then they have 4 days to block the information or they can reject it and notify me within 15 days to gather more information. Since I never received any rejection letter or communication asking for more information, I conclude that Equifax accepted my affidavit and has broken the law by not blocking the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never applied for a XXXX XXXXXXXX XXXX XXXX I did receive ; however, via XXXX XXXX, a suggestion I apply for the XXXX XXXXXXXX XXXX XXXX as I had a high chance of approval and the subsequent approval and issuance of the XXXX XXXX XXXX could improve my credit score. 

I DID NOT APPLY FOR THE XXXX XXXXXXXX XXXX XXXX. I AM NOT CLEAR IF XXXX XXXX OR WHO/WHOM SUBMITTED THE APPLICATION FOR THIS CREDIT CARD ON MY BEHALF. 

I DO RECEIVE PRE-APPROVAL OFFER LETTERS FROM XXXX XXXX XXXX XXXX ON A WEEKLY BASIS STATING I AM PRE-APPROVED FOR THIER CREDIT CARD. 

I IGNORE EVERY LETTER THEY SEND TO ME AS I DO NOT WANT THE CREDIT CARD.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> XXXX, Transunion, XXXX and XXXX reported bankruptcy on my credit report and file. The agencies listed above needs to remove the inaccuracies of reporting and its a violation of METRO 2 Compliance. I have uploaded the FTC report I have filed and documentation from the US Bankruptcy Court showing that they do not provide information to 3rd parties. I did NOT consent to anything being posted on my credit report or file.
Product: Checking or savings account

XXXX XXXX XXXX XXXX, TN XXXX XXXX XX/XX/2022 PNC Bank XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX ; XXXX On XX/XX/2022, I made several purchase one being in the amount of {$240.00} from XXXX. 
On XX/XX/2022 all purchase made for or on XX/XX/2022 had posted to my PNC bank account resulting in my account balance being {$28.00}. 
On XX/XX/2022, I received two notification from PNC bank stating that my account balance was below its amount and my account balance was at {$18.00} than I received another notification from PNC bank stating my account new balance is {$270.00}. 
When I accessed my account from my desktop I noticed now the amount for {$240.00} was nowhere to be found and when I used the feature offered by PNC bank to locate the amount and date, the PNC account told me the amount was nowhere to be found. 



Than on XXXX XXXX I was notified my account was - {$220.00}. 
Upon review of my account I noticed that another merchant had taken out XXXX and my PNC account had been re-debited again for the amount of {$240.00} from XXXX merchant on the same day. 
I immediately reached out to PNC bank the morning of XX/XX/2022, spoke to a representative who told me they would escalate the call to a supervisor. 
On the evening of XX/XX/2022 I spoke with a supervisor who told me that the XXXX merchant had withheld the funds and thats why they posted on the XXXX instead of earlier in the week. She also told me that my account was set-up for overdraft protection. Which is why another merchant was able to take the funds out of my account. 
Last, the supervisor insisted that another merchants payment was the reason my account was overdrawn. I explained to the supervisor that, this was not true as I saw the posted payment for XXXX in the amount of {$240.00} on my account on the XXXX along with other purchased made on the same date of the XXXX. 
I also explained that I had never had this issue with this particular merchant before. The supervisor insisted that the reason my account was overdrawn was due to insufficient funds for XXXX XXXX XXXX merchant in the amount of {$250.00}. 
I explained to the supervisor that this was an error on the bank and that I disagreed with what she was saying as I took photos of my account, because I knew an error had been made. The supervisor told me that I would accrual overdraft fees after the third day if I was unable to pay the XXXX XXXX  in full. 
I told her that was impossible given I get paid bi- weekly and why was I being held accountable for a bank error. Upon disconnecting the call I received multiple messages from PNC bank stating that my account was over drawn due to the merchant XXXX in the amount of {$240.00}. 
I am seeking restitution for this error on the banks end. I would like all fees and the account to be XXXX so, that I may discontinue my services with PNC Bank.
Product: Debt collection

I have repeatedly advised this company that this was a debt I did not incur, sign for and had no knowledge of until I pulled my credit bureau report and saw that there was a lease broken in my name. I have filed a police report, as I was asked to do and this has been XXXX. I have lived in XXXX texas since I moved to Texas XX/XX/2005. XXXX XXXX along with National Credit Audit Corporation have given me XXXX and they will not provide me with any info even though they advised me they have a copy of my driver 's license, social security card and " my signature. '' I have not ever lived in XXXX and have never signed for anyone. I had live at XXXX formerly XXXX XXXX for over 7 years. This process has been tedious and a nighmare.
Product: Credit reporting or other personal consumer reports

Again, I do this. I wish you have a way for us to draft any case we start. I have to start this all over! 

XXXX had not removed or updated my information. Again, I said I never order anything from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and recent new one in XX/XX/year> from XXXX XXXX XXXX What the heck?! I had no desire to buy anything onnXXXX XXXXXXXX! I am puzzled! XXXX needs to stop assume thinking I asked for somethign. I did not! 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX was paid on time. No information in my credit report. Another, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXXXX was not mentioned neither. Paid onntime for the space on time! XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX was also not mentioned. I paid for the room on time! 

XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXXXXXX was not apt I lived at! It was only mails to arrive n for me to pick up. 

Lastly, XXXX and 2 other bureaus assumed so poorly. That is why I suggest you to shut down all 3 bureaus! XXXX said since I lowered the loan, it affected my credit record. What?!?!?!? It is XXXX XXXX who ripped me off by selling me a lemon truck! I asked them to refund and they did not, but for some unknown reason, the loan reduced. They never communicated with me. Though here is the proof of cancelation request form that I asked them for since they sold me a lemon truck and death of my service dog. 

XXXX needs to stop assume and allowd all other affect my credit record. To my knowledge, I dont know why XXXX reduced. They were aupposed to give me a check of over {$5000.00}. XXXX did not add more positive points. It slowly raised and is unacceptable. XXXX and other bureaus are biased and always had been.
Product: Checking or savings account

I reported fraud on XX/XX/XXXX, for approximately XXXX, I think it was in total, they put the money back in my checking account. Then suddenly on Friday they yanked XXXX back out. I never received a written notification that they were going to do so. Plus I know that I did not authorize the original transactions and neither did my husband. Someone on our vacation we were on did steal my card though.
Product: Credit card

To Whom It May Concern, I am writing to express my extreme dissatisfaction with Discover 's recent actions regarding my account. Despite my repeated attempts to communicate my financial hardship and request assistance, Discover has been unable or unwilling to provide a viable solution. 
On XX/XX/scrub>XXXX XXXX XXXXXXXX  I formally notified Discover of my financial difficulties and requested to discuss options for modifying my account or payment arrangements. Unfortunately, instead of working with me to find a mutually beneficial solution, Discover took the immediate and punitive step of closing my account entirely. 
Furthermore, Discover rejected all of my online payment attempts, even though I have confirmation numbers for these payments. This action is not only inconvenient but also adds unnecessary stress and financial burden. 
This behavior is not only unfair but also demonstrates a complete disregard for my circumstances. I believe that Discover has a responsibility to treat its customers with respect and empathy, especially during times of financial hardship. 
I have attempted to resolve this matter internally but have been met with unsatisfactory responses. As a result, I am formally notifying Discover that I intend to consult with an attorney to explore legal options regarding this matter. 
I expect a prompt and satisfactory resolution to this issue. 
Sincerely, XXXX XXXX XXXX : Confirmation numbers for rejected payments
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX I recently obtained a copy of credit report and EXPERIAN is reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I have requested that they allow me to validate the alleged debt. To provide me a breakdown of all charges, dates of service, and procedures given including fees associated. 
Addictionally, I am allowed under the HIPPA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for ( XXXX XXXX XXXX XXXX ) to release my medical information to a third party I am aware that the HIPPA does allow for limited information about me but anything more is to only be revealed with the patient 's authorization, therefore my requested is twofold and as follows ; Validation of Debt and Hippa Authorization -Please provide a breakdown of fees including any collection cost and medical charges. 

-Provide a copy of my signature with the provider of service to release my medical information to you -Cease any credit bureau reporting until debt has been validated by me To send this information to my mailing address listed above and accept this letter as my formal validation request, which I am allowed under the FDCPA. 
Please note that withholding the information you received from any medical provider in an attempt be HIPPA complaint can be a violation of the FDCPA because you will be deceiving me after my written request. I requested FULL documentation of what they received from the provider of service in connection with this alleged debt. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from your collection agency. I will await your reply with the above requested proof. Per the standard, you have 30 days in which to respond to this request, or this debt will be considered invalid, and removal from the credit bureaus expected or damages will be sought after. 

All accounts in dispute : XXXX  XXXX  THANKS
Product: Credit card

I am writing to file a formal complaint against Capital One, a financial institution subject to the Gramm-Leach-Bliley Act ( GLBA ), for their failure to comply with my GLBA opt-out request. 

OnXXXX-XXXX, I sent a written request to Capital One, exercising my legal right under the GLBA to opt out of the sharing of my nonpublic personal information with credit reporting agencies. This request was submitted in accordance with the GLBA regulations and guidelines. 

Despite the clear and lawful nature of my request, I have yet to receive any acknowledgment, confirmation, or response from Capital One. Their lack of communication has caused me significant frustration and concern regarding the privacy of my financial information. 

I have attached a copy of my initial opt-out request, which includes all the necessary information required by the GLBA, to this complaint for your reference. 

I believe that Capital One 's non-compliance with the GLBA poses a serious violation of my consumer rights and privacy, and I kindly request the intervention of the Consumer Financial Protection Bureau to investigate this matter. 

I request that the CFPB conducts a thorough investigation into the non-compliance of Capital One with GLBA regulations and takes appropriate action to ensure that they promptly acknowledge and process my opt-out request. Furthermore, I request that [ Creditor Name ] be held accountable for their failure to adhere to GLBA guidelines and that they are made aware of the potential legal consequences of their non-compliance. 

Please consider this complaint as a formal request for investigation. 

I appreciate your attention to this matter and your dedication to ensuring consumer protection and privacy. I trust that the Consumer Financial Protection Bureau will take the necessary steps to address this issue promptly and effectively. 

Thank you for your assistance in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I paid this account in full. To my surprise in XX/XX/XXXX it was reported that I was 30 days late. 

How can this be possible. I have email confirming I paid in full on XX/XX/XXXX along with a confirmation number. I disputed with with Timepayment, no one returned my call. 

I disputed through Experian, it came back that timepayment had doubled down on their inaccurate reporting. This inaccuracy has caused my credit score to nose dive and deprived me of getting a car. 

Someone needs to be held accountable.
Product: Credit reporting or other personal consumer reports

XX/XX/year> someone ordered on XXXX a new phone and used my personal information to order the phone and a XXXX XXXX XXXX plan as well as run a hard credit enquiry with CITIZENBANK I was alerted by XXXX XXXX  as they debited my checking account with 2 separate transactions and used the wrong zip code. 
I canceled my card and the order was canceled by XXXX and XXXX XXXX XXXX MY issue is a hard credit enquiry
Product: Credit reporting or other personal consumer reports

I received notice of inquiries from creditors to which I did not apply. I contacted the three agencies and froze my credit file. A week later, I received notice that there were inquiries on my Experian file. I called Experian and they said that someone had unfrozen my file. I told them to freeze it and deactivate the account. They asked me to fax a copy of my ID and some other docs to verify my identity, which I did. That was XX/XX/XXXX. On XX/XX/XXXX, there were more inquiries. Someone had unfrozen my account. I refroze it. Then today, I received again more notices of inquiries. Experian said that my account was again unfrozen. 

How can i delete all my information from Experian 's databases. There are two other reporting agencies that seem capable of securing my data, I do not want Experian to have it at all. How can they just let random people call and unfreeze accounts? Experian should not be in business.
Product: Credit reporting or other personal consumer reports

The reason I am submitting this complaint is because I contacted XXXX approximately around XX/XX/2023 for the second time and demanded the following experiences be excluded from my consumer report because they violate my consumer rights based on the FCRA. - XXXX XXXX and XXXX XXXX XXXX. The following codes below support my request to have the items above excluded from my consumer report. 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint because upon reviewing my credit report, I recently noticed a discrepancy in my report. I received a notification indicating a collection entry from XXXX XXXX XXXX on my credit report. According to the report, it was initiated on XX/XX/XXXX for a debt amount owed totaling {$2100.00}. .However, I have no knowledge of this account, contract nor any involvement with XXXX XXXX XXXX and no proof to how they are the original creditors ; there is no account number attached to the account. I have neither engaged in business transactions with them nor entered into any agreements. Hence, it is unjustified for them to report such information on my credit report. This situation infringes upon my rights as a consumer, as outlined by the FDCPA. I am providing this complaint because because no one from the collection agency have contacted me back with any details. I should not be liable for something that I can't gain proof or there is no account number attached to the collection.
Product: Credit reporting or other personal consumer reports

RE : XXXX ; Experian, XXXX  ; Account # XXXX Per the FCRA, as a federally protected consumer I have never received notice nor any disclosure to opt out per 15 USC 6802. 

Also, as a federally protected consumer I have never received any disclosure on XXXX, Experian nor XXXX  privacy policy disclosing of the sharing of any private and personal information per 15 USC 6803. 

Furthermore, Per the FCRA, as a federally protected consumer I am now opting out of any and all authorization, I the consumer may have given you whether written, unwritten, verbal, and non-verbal per the rule making of 15 USC 6804 and the enforcement per 15 USC 6805. 

Per the privacy act of 1974, the financial institution XXXX  violated their terms and conditions against me as they promised not to share my banking, personal, and private information with non-affiliates. I am demanding that each party included in this letter provide proof of this authorization to have and share my information. The credit agencies keep stating the bank gave them authorization to have information, but my institution says they dont give it to non-affiliates. 

Lastly, this account is reporting inaccurately across all credit agencies and needs to be updated immediately to paid as agreed reflect all payments made on time to be accurate. Per the FCRA a report containing information between a consumer and the person making the report is excluded per 15 USC 1681a ( 2 ) ( A ) ( i ) I am seeking compensation for these violations and damage that has caused me great hardship in life and for the account to be updated as paid as agreed. 

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

I just pulled my credit report online. There were accounts on there that were not mine.
Product: Debt collection

I Demand the immediate removal of inaccurate information from my consumer report, specifically concerning the account linked to XXXX XXXX with the account number XXXX, reported by your agency. 

First and foremost, I want to emphasize that I have never lived in XXXX, and I have no associates or connections to this address whatsoever. I am a lifelong resident of XXXX and have no affiliations with XXXX. I am CLEARLY A VICTIM OF IDENTITY THEFT As You Learned In Previous disputes Therefore, any reporting related to the XXXX XXXX address in XXXX is entirely inaccurate and should not be associated with my credit report in any way. 

It is concerning that Experian has reported this information without proper verification, which violates my rights as a consumer. I have repeatedly requested proof and validation of this information, as required by law, yet Experian has failed to provide the necessary documentation. YOU HAVE VIOLATED MY RIGHTS PER 15 U.S. Code 1692f. Unfair practices 1692g. Validation of debts 1692e - False or misleading representations
Product: Mortgage

SN Servicing Corporation purchased my loan located at XXXX XXXX XXXX XXXX CA XXXX Back on XX/XX/2019 I received notice of foreclosure by mail and then my attorney was alerted. Once appearing in court with counsel it was proven Service Corporation had not logged all payments that are sent by my bank monthly. The payments had to be traced and later applied to my account. that were missing from my mortgage account. Once showing proof of payment to the judge and sharing hardships revamping from the bankruptcy the case was dismissed. After dismissal I noticed an attorney fee of {$1200.00} and legal expense recovery of XXXX on my billing statement. Due to Service Corporation negligence that would make me as the consumer not responsible for those additional fees and I request those fees be removed from my account. Moving forward I have attempted several times to make contact with my account manager XXXX XXXX and she does not respond to emails, calls, or customer rep messages. To make matters worse the amounts are appearing as amount due under the mortgage which appears I carry over a mortgage balance every month. I also have bought to Service Corporation attention that I have been getting late fees for years and I pay on time monthly before the XXXX of every month. I am owed a refund however when trying to address the issue I get no response by phone, email, or mail. My due date is the XXXX of every month and adjusts automatically through my bank if the payment falls on a holiday. I have paid my mortgage by autopay for many years to keep account of all bills paid. At this time, I see a XXXX late fees in which I am never late. For the last few months I've received interest increases that are unexplained due to the terms of my original loan. This is a predatory act and I would like assistance with resolution. Thanks in advance.