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

I have sent out letters to each of the credit bureaus by mail on XX/XX/22 regarding unauthorized inquiries posted on my consumer report. I have yet to receive any response or update regarding my claim. It has been more than 30 days and they have failed to look into this matter. as a consumer I have rights to privacy, which each of these credit bureaus have violated. XXXX, XXXX and Experian also known as a financial institution have violated my federally protected rights as a consumer with right to privacy by failing to meet the needs of congress by ensuring that they exercise there grave responsibility with respect to the confidentiality of my personal non public information being shared to benefit for monetary returns. They are in direct violation of 15 USC 1681 ( b ) - It is the purpose of his subchapter to REQUIRE that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter, they are also in direct violation of 15 USC 1681e ( b ) which states Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure MAXIMUM possible accuracy of the information concerning the individual about whom the report relates, in which they have failed to do this. I have never given, authorized or verbally consented to any of these transactions.

Please be clear that no consent or authorization is IDENTITY THEFT! Their willful noncompliance has resulted in identity theft which I demand to Cease and Desist! Pursuant to 15 USC 1681a ( d ) ( 2 ) Congress makes it clear that a consumer report does not contain any transactions or experiences. As a result, I am demanding for the following transaction and or experiences to be deleted in accordance with my written instruction.
Product: Debt collection

This company XXXX XXXX XXXX is reporting false inaccurate information on my credit file for {$1100.00}. 
A letter was sent and I've received no response in 90 days. In addition, a judge ordered a dismissal and this needs to be removed from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reporting 2 incidents of identity theft that appear to be related.

1. Two unidentifiable addresses have been added to my personal information section of credit reports. I have lived in California for the last 30 years and have never lived at the addresses below ( nor owned any properties ). Someone opened XXXX accounts using my identity. 
a. XXXX XXXX XXXX, XXXX, IN XXXX b. XXXX XXXX XXXX XXXX, # XXXX, XXXX, IL XXXX 2. XXXX XXXX, a collection agency, has been attempting to collect money on behalf of XXXX for the addresses above. I received an alert from XXXX ( an Experian company ) on XX/XX/XXXX that that the balance of {$970.00} has been reported by XXXX as Unpaid, and it might impact my credit history. The alert indicates that the XXXX account was opened XX/XX/XXXX and the original amount was {$1600.00}. 

I have just received a notification from my bank ( XXXX XXXX XXXX ) that my credit score has been lowered to XXXX ( was around XXXX before ). This has impacted my ability to get the best rate on an auto purchase ( the lender increased the rate by 1.00 % after 10 days from the purchase date ). 

I also received a response from Experian regarding my dispute that above mentioned XXXX account is still scheduled to continue on record until XX/XX/XXXX.
Product: Student loan

FedLoan : Account Number : XXXX XXXX XXXX I requested letters regarding payoffs, as well as a credit bureau update. I had two loans with FedLoan. I have received one letter regarding only one of my two loans I paid off. ( The attached document they sent only refers to one of my loans. ) I paid the combined balance on both loans. I request that they please send me documentation detailing that both of the loans have been satisfied. Sincerely, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an overpayment from VA which I have tried to stop on several occasions. This is not a loan. This should not be on my credit report as closed. I am currently paying XXXX XXXX month on. It's on my Transunion report. Thank you.
Product: Credit reporting or other personal consumer reports

Experian is still reporting an account that I disputed back in XXXX called XXXX, that same account was deleted off my XXXX consumer report because they failed to vertify the account. Everything must be exact on all CRAs
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verifiedthat These items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non- complying with the FCRA XXXX Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

I hope that everything can be resolved in a timely manner without the need for intervention or escalation. Please provide accurate and verified information for each claim, as the allegations against me are not true. I am deeply disappointed to have to dispute these claims, but I will not let inaccurate information harm my financial well-being. 

Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX NY XXXX XXXX Employers : XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX ; XXXX ; XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NY XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  | XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX It is with sincere disappointment that I present to you the detailed enumeration of the concerns I have meticulously compiled pertaining to the reporting undertaken by your esteemed organization, as explicitly documented in the accompanying file. Regrettably, it is evident that the aforementioned reporting falls short in terms of completeness and fails to align with the standards I hold paramount. It is imperative to emphasize that, in accordance with legal provisions, it is incumbent upon both your organization and the data furnishers involved to diligently certify all facets encompassing the requisite Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. Such certification must be executed with unwavering dedication to truthfulness, accuracy, completeness, and timeliness, in order to ensure the utmost protection of my consumer and civil rights, thereby averting any inadvertent violation thereof.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I sent a copy of the FTC report, it took some time for it to be clarified that the credit bureaus are not obstructing records. I'm sending my complaint in order to help with organizing a legal response because regulation 605b of the FCRA mandates it. If you choose not to prevent the following items, which are listed below and are responding falsely as a result of fraud. What needs to be deleted from my file is listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account names XXXX XXXX XXXXXXXX Account number XXXXXXXX XXXX XXXXXXXX Account number XXXX XXXX XXXXXXXX Account number XXXX XXXX Account number XXXX XXXXXXXX XXXX Account number XXXX XXXXXXXX XXXX  XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX Account number XXXX XXXX XXXX Account number 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 Also States, No consumer Reporting Agency can not Furnish any Account without my written consent.

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, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s - 2 [ A ] [ 1 ] No consumer reporting agency shall not furnish any information relating to a consumer to 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: Debt collection

ATTENTION DISPUTE DEPARTMENT FIRSTPOINT COLLECTIONS Reported : XXXX XXXX XXXX, XXXX. Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. I have reported your company to consumerfinance.gov As a form of record and I am prepare to sue your company in federal court if need be. I am also aware that your company will be liable for actual damages and court fees. Stop collection proceedings against me and remove my information from your database. SOC SEC # XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I reached out to cashapp to fix my name and they closed the account. They suggested opening a new account. The representative walked me through opening the account, but it was closed immediately. I appealed the decision and was advised that it went towards the terms of service. However, there was no explanation of what was violated. I have asked by phone and the call was disconnected by the associate. I asked by chat and the associate disconnected as well. No one will speak with me.
Product: Checking or savings account

Almost XXXX dollars taken out of account. Dates all the way back to XXXX in unauthorized transactions. I submitted my fraud paperwork and my back told me that the charges were authorized and that there was nothing they could do. 

BECU Is the bank. Now I have nothing and all my hard earned money is gone. 

XXXX XXXX is the company that the withdrawals were coming from and because they are a financial organization? becu says they cant do anything.
Product: Credit card or prepaid card

On XXXX, XXXX XXXX, I received three ( 3 ) phone calls during the day/night. 
It was the same voice saying he was from Amazon with a charge for {$720.00} charged to my Amazon account. He asked me to get on my computer, which I did not do. I hung up on his call. 
From my phone, I have these details : Name of caller [ 'pfisher ' ] : XXXX XXXX His phone # showed XXXX. 

After this third call, I got on my desktop and called Amazon Customer Service/Security and talked to XXXX XXXX . 

Short recep : as of XXXX XXXX, my Amazon account is closed/locked/suspended. Today/XXXX XXXX, I received a new credit card from Chase.
Product: Student loan

I 've been trying to lower my payments, but Navient has made it impossible. Basically telling me that my only choice is either forbearance or the graduate level option. Navient refuses to help.
Product: Money transfer, virtual currency, or money service

Paypal wallet was used to receive XXXX, back when i was mining, paypal nownew now closed my account not allowing me to track to see if the digital curremcy was ever received. Please lok into this for me, paypal closed my acccount because of the fault of others
Product: Debt collection

Account name XXXX XXXX XXXXXXXXTOTAL CARD Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Closed. {$620.00} written off. 
Status updated XX/XX/XXXX Balance {$0.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$350.00} Highest balance {$620.00} Terms This should no longer be on my credit its past 7 years
Product: Money transfer, virtual currency, or money service

on Thursday XX/XX/2018 I received a text message on my cell phone from PayPal advising a transaction had occurred that was marked as suspicious as a transaction for family and friends in the amount of {$980.00}. I immediately replied NO, indicating I did not authorize this transaction. I then spent 50 minutes on hold with paypal 's call center that night and I never got to speak to a representative. I got into my paypal account, changed my password, unlinked my debit card that the money was taken from, and updated my security questions, as this was clearly fraud. I then see the total transaction was for {$1000.00} because paypal also charged me 2 {$28.00} fees. The next day, I was able to speak with someone. this was the most unprofessional, inarticulate, uneducated call center I have ever spoken with. please listen to these calls ive had with their call center. they assured me this would be taken care of and the funds would be returned to me. today XX/XX/2018, after several days missing over {$1000.00}, I get an email stating my refund request was denied. This is unacceptable. Paypal claims to be the safest way to transfer money and they have not only allowed my information to be compromised, they refuse to refund me the money. I request a full check send to me directly to cover the full amount STOLEN, and a full resolution to this issue. I also would like to know how my information was stolen, why it was denied, and why it has taken so long to get any type of answer. this is ridiculous and Paypal should face fines for their Unfair, Deceptive, abusive practices. They are a UDAP nightmare.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past 8 months I have writing over 20 plus letters to multiple credit reporting agencies for the inaccurate information that they have been reporting to my credit report. I have also written many letters to CFPB as well, informing them of these problems as. I have accounts on my report that according to the FCRA should not be reported such as age out accounts, accounts that have been re-aged, public records ( which do not even report to the credit bureaus in the State of Maryland but use XXXX which is a third party in which I also reviewed my report with them and they don't have any records of my filing bankruptcy ) and inquires that I have not authorize all in which fall under the FCRA section 6231 ( A ) ( B ) and because of the erroneous information being reported on my credit report I am unable to purchase a home. XXXX XXXX XXXX XXXX was open XXXX been on my credit report for 8yrs and 8 monthsXXXX XXXX XXXX XXXX XXXX was open XXXX been on my credit report for 8yrs and 2months ( not to mention I no idea who this company is ). I would like to have all the erroneous information removed from my credit reports. I have done everything that I can to have this happen but to no avail. I have reached out to an attorney to file a lawsuit against these companies and is currently waiting on my appointment date to begin the process. Again, am just asking that these companies report accurate information in which they are required to do due under the many rules and regulations that is governed by the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX / Experian / XXXX has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check the payment history, date open, last activity, and Status of XXXX XXXX. I believe it was reported in error. 
XXXX XXXX Balance : {$160.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I WOULD LIKE THIS ITEM REMOVED FROM MY REPORT. I HAVE ALREADY DISPUTED THE ITEM AND THE BUREAU HAS FAILED TO REMOVE THE ITEM IT NEEDS TO BE REMOVED IMMEDIATELY.
Product: Checking or savings account

On XX/XX/XXXX of 2021, PNC BANK, decided to place a hold on my account, without any explanation. There is actual proof that no letter was mailed out to my address regarding this hold, they never called me, or emailed me, to let me know the reason of this hold. 

I have over forty thousand dollars on my bank account, and they are all on hold without any reason. 

PNC is doing an illegal practice by using my money to lend out loans and buy properties, i am concerned they might be doing this to many clients. this is illegal and i will contact the news. 

I made a large deposit, which i understand can be hold while the funds are verified, the funds were verified within two weeks, therefore, there is no reason for the hold to be placed.

I have tried numerous times to solve this issue by attending more than five branches, where i verified my identity with my government issued identifications, there are recorded calls where branch managers call retail support confirming by identifications were ran through UV LIGHTS. 

I am sick and tired of waiting it is now 4 months that PNC has been holding my account without a reason without a judge court order. THIS IS ILLEGAL and i need my funds to be released.
Product: Credit reporting, credit repair services, or other personal consumer reports

Our credit card is being billed {$19.00} twice monthly ( assumption is that it is for both of us ) by Experian* Credit Report. We have not subscribed to any membership nor authorized any charges whatsoever. Experian does not publish any phone numbers that would allow anyone to speak to a live person. I have called Experian, given my social security number, date of birth and other personal information and tried to cancel " my membership '' and the system responded ( as it should have ) that there was no membership to cancel. 

I have filed a fraud dispute with my credit card company. They refunded the charge, but required the issuance of a new card/account number. My choice is now to close out my credit card or reissue for the fourth time ( which I will not do ). 

I am incensed at XXXX XXXX XXXX for allowing a merchant to make charges to my account without providing a phone number that allows the consumer to dispute or cancel services with the merchant directly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter ( ATTACHED ) XX/XX/XXXX, that they received on XX/XX/XXXX ( ATTACHED DELIVERY RECEIPT ) to Capital One Auto Finance after my car was repossessed in around XX/XX/XXXX asking for proof that the repossession of the subject vehicle was legal in accordance with the following UCC : XXXX. EFFECT OF ERRORS OR OMISSIONS. 
XXXX. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL XXXX. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 
XXXX. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL I had personal belongings such as a mechanical tools left in the back seat that were costly. I never got a call or letter regarding my belongs, as by law I am entitled too. They have not responded back to my request and it's been over 30 days. My personal belongings are gone. I do know the law and this is sad how creditors take advantage of consumers at such a time as this. They are very committed to continuing reporting on my credit reports while breaking the law.