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

This is related to the following complaint already closed. 

XXXX Equifax is reporting remarks on credit reports of mine obtained from the Fair Issac Credit Corporation that state I had a " Chapter XXXX Bankruptcy and/or Closed by Credit Grantor '' for the following : Two XXXX  XXXX accounts XXXX XXXX account One mortgage account ( XXXX  ) One XXXX  account Additionally they are reporting a remark stating : Account closed by credit grantor for : One XXXX account. 

The issue is that these remarks are independently hurting my FICO scores apart from the known fact that for most of these accounts there was a bankruptcy. 

FICO has stated that remarks published by the credit bureaus independent of the acknowledgement of a credit closure negatively affect my credit scores and I would like them removed. 

I have been able to successfully obtain their removal from XXXX  and XXXX, but have been unable to do so with Equifax. They state I have to provide them some document from the bankruptcy court, which makes no sense.
Product: Checking or savings account

The PNC closed my account and sent a bank statement saying I have XXXX but still have not paid it but keep promising it daily. 
Could you get me my check.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has violated my consumer privacy rights. I have not given Transunion authorization to sell or misuse any personal data. This act is a violation of my civil rights and Texas Consumer Privacy Protection Act. No person may solicit, misrepresent, or sell any personal information without the consumer authorization. Transunion has violated Texas Deceptive Trade Practice Act selling information to XXXX to harm my credit. Transunion and XXXX has violated the federal XXXX XXXX of 1999 limiting the transfer of your personal financial information to third parties. Transunion, XXXX and XXXX had violated the HIPPA ACT sharing my medical data and personal financial data. Transunion has not sent any method of verification of the inaccurate information on my credit file in the public section. Transunion claims they have verified the inaccurate information with the court. Court does not report to credit bureaus due to privacy laws. Court does not report to any credit bureaus or third party companies. Transunion has failed to investigate the inaccurate alleged bankruptcy o my credit file and has failed to provide a legal notarized original of who can testify an alleged bankruptcy exists. Transunion first displayed the alleged bankruptcy on my credit from XXXX, now they are making false claims that the court has given them information. This is all a lie and Transunion misusing my credit. There is no bankruptcy on my XXXX ad XXXX credit. I have the right to file suit against Transunion for violating my civil rights and harming my credit file.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681.

Account name XXXX XXXX XXXX XXXX XXXX  Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXXXXXX XXXX XXXX XXXX XXXX ; has violated my rights to privacy. 

- 15 USC 1681 Section 602A states I have the right to privacy.

- 15 USC 1681 Section 604A Section 2 ; it also states a consumer reporting agency can not furnish an account information without my written instructions.

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

I settled with XXXX  TD BANK USA TARGET CARD they were to mark my account as paid in settled but they are still showing a balance owed even after I disputed the balance
Product: Credit reporting or other personal consumer reports

I was shocked to discover unexpected errors on my credit report this morning. I review my report frequently, and this was the first time I noticed discrepancies I cant explain. I tried refreshing my browser, hoping it was a simple mistake, but the inaccuracies remained. I urgently ask that my documents be reviewed thoroughly so I can avoid ever facing this issue again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX, XXXX, and Equifax on XX/XX/2022. It has been well over 30 days and still have not gotten any reply. According to 15 USC 1681 ( a ) ( 1 ) ( A ) XXXX, XXXX, and Equifax have 30 days to respond to my dispute. THIS IS A VIOLATION OF MY RIGHTS. 

The letters were mailed out certified : XXXX XXXX Mailing Tracking Number : XXXXXXXX XXXX Certified Mailing Tracking Number : XXXX Equifax XXXX Mailing Tracking Number : XXXX I've attached the letter sent out to all 3 Credit Bureaus. 
All letters were signed and sent with my Government ID and Proof Of Address.
Product: Credit reporting or other personal consumer reports

XXXX ) Experian - On XX/XX/XXXX Sent a Certified letter to have them remove a hard inquiry from XXXX XXXX XXXX that I did not authorize. They have not removed it from the report. 
On XX/XX/XXXX Sent a Certified letter to have them update/correct personal information on my file to reflect my current address, etc. and to remove all other addresses which were undeliverable. They did not honor the request. 
On XX/XX/XXXX- Sent a priority mail letter regarding negative information on my report, requested validation of alleged negative accounts with documentation copies bearing my signature. They have not furnished this validation. 
XXXX ) XXXX - XXXX XX/XX/XXXX Sent a Certified letter to have them update/correct personal information on my file to reflect my current address, etc. and to remove all other addresses which were undeliverable. They did not honor the request. 
On XX/XX/XXXX Sent a Certified letter to have them remove a hard inquiry from XXXX XXXX XXXX XXXX XXXX XXXX XXXX  that I did not authorize. They have not removed it from the report. 
On XX/XX/XXXX- Sent a priority mail letter regarding negative information on my report, requested validation of alleged negative accounts with documentation copies bearing my signature. They have not furnished this validation. 
On the following dates I was a part of XXXX separate databreaches, I will attach copies of the announcement letters from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Did not receive any documentation from them that I'm aware of )
Product: Debt collection

Lately we have received debt collection notices from a Michael Harrison Esq. in XXXX, NJ. The notices started coming in XXXX for services allegedly incurred by my daughter, who has a XXXX and a lot of medical expenses, in XXXX. Now we 've received a notice stating we are being sued for {$1200.00} for a bill of {$950.00} from XXXX which was allegedly unpaid, but for which we have not received any communication from the provider in years. We assumed it was a scam. Now we 've just received letters from XXXX XXXX notifying us that XXXX additional charges are 'authorized for lawsuit. ' The letters do n't even give a the services were provided, so we do n't even know what year we are talking about. Again, we pay about {$10000.00} in medical bills to various providers annually and generally pay promptly. We have no idea where these charges came from or why we are getting notices from a collection agency years after the fact. And now XXXX XXXX is using the court system to harrass and intimidate us into paying money - to his firm - which we are fairly certain is not owed.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Name : XXXX XXXX XXXXXXXX Account XXXX Account Name : XXXX XXXX XXXX  Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 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 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

The company Portfolio Recovery Associates continually calls my phone after I have stated I do not wish to receive any calls from them and to only communicate via written notices in the mail. They refused to give me a mailing address to send a cease and desist letter. They also stated they will still sue me for the alleged debt even though it is past the statute of limitations.
Product: Money transfer, virtual currency, or money service

On Wednesday, XX/XX/2019 I sent {$60.00} via PayPal with a {$5.00} fee to someone for a pair of concert tickets. I never received the tickets or heard from this person. I then tried contacting this person but was told that it was fraudulent or a scam. I then contacted PayPal & submitted a complaint/refund. They investigated this & proceeded to tell me that my funds would NOT be refunded because I did this via friends/family not goods/services. I did not know & am very upset this happened. I have pictures from this incident.
Product: Debt collection

XXXX XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/2018 XXXX with a XXXX process fee. Will not remove. Will not put agreement in writing for records. Threatened me. Will not set up payment plan or accept any payments at all. Kept asking for my checking account # or card #. Told me they could seize my bank account and sue me for more money to just pay the amount owed.
Product: Vehicle loan or lease

XX/XX/XXXX I called the company ally financial to try and pay of whats left of my load total balance {$5800.00} which is stated on my account with a payment due of $ XXXX breakdown of the {$4000.00}, includes current payment XXXX, past due {$1800.00}, late charges {$1000.00}, other charges {$400.00} but the representative of the bank told me the payoff due is {$7300.00} without any explanation other than when the car was repossessed and that I still own money for the tow and fees also it saids on the account 6 payments left and 1 pending which is due XX/XX/XXXX XX/XX/XXXX I called the company to speak with someone about the payoff load and they couldnt give a answer why I cant pay {$5800.00} which is my total balance on the account and to get my title but they will send a letter which it will collect more interest due to the message if paid after XX/XX/XXXX I will pay an additional {$1.00} of interest
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim identity theft. I tried to work with the creditor back in XXXX but they refused to work with me on any level. After several years I have spent many months repairing my credit. I hired a credit counselor and a credit/XXXX  attorney as well. My personal information along with several credit card numbers which include the account in question was found on the dark web. Several purchases were made by someone other than me with the account. I have sent a letter to the creditor on XX/XX/XXXX ( signed and delivered ) informing them of what information has been found, the police report filed with the local police department and the report filed with the Federal Bureau of Investigation as well. They have sent me a response stating they will not remove the negative remarks from my credit file stating I opened the account but not referencing the identity theft of fraudulent purchases I spoke of. I sent another response on XX/XX/XXXX ( signed & delivered ) stating everything again and letting them know they have not addressed my original concern and I have not received a response back. I have also sent all this information to the three credit bureaus and two out of the three of them have removed the marks already. XXXX  has not responded to my request nor have they removed the remark. XXXX  and XXXX  have both responded and both removed the negative remarks.
Product: Mortgage

THE MTG BROKER, TITLE ESCROW AND MY SELF HAVE CALLED AND ATTEMPTED TO GET A PAYOFF FROM CURRENT LENDER FREEDOM MTG. FREEDOM HAS LIED AND PERPETUATED THIS FRAUD AND STATED WE HAVE TO SEND THE PAYOFF TO TITLE AND CAN NOT SEND TO YOU THE BORROWER. I HAVE CONTACTED MY ATTY TO HELP BUT IT SEEMS RIDICULOUS ; I HAVE TO GO TO THIS LENGTH TO GET A PAYOFF FOR MY HOME. I AM A XXXX VETERAN AND NEED HELP TO RECOVER THE PAYOFF
Product: Credit reporting or other personal consumer reports

I am writing to formally request that the following accounts and inquiries be blocked and deleted from my credit report due to my being a victim of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have any accounts or inquiries related to fraudulent activity blocked from my credit file. 
Please remove the following accounts from my credit report : Accounts : XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} XXXX. XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$2400.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$6500.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} XXXX. XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2400.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$8300.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$2700.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$00.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3800.00} Inquiries : XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX
Product: Student loan

Hello, My name is XXXX XXXX and I am contacting you regarding an issue that I am having with a private student loan forbearance through American Education Services ( AES ). I called in XXXX of this year to set up a 2-month forbearance for XXXX and XXXX. The representative on the phone said everything was all set and approved me for the forbearance. He read through the terms and conditions which I verbally agreed to ; the forbearance was finalized. After ending the phone call, however, this individual decided that I was not eligible for the forbearance and it was cancelled. I was not made aware of this, and was surprised to see that my account was past due and had been reported to a credit agency when I went to pay my next bill. I called and spoke to a different representative XXXX XXXX, ID # XXXX XXXX on XXXX/XXXX/16 and she indicated to me that she and another reviewer saw no reason why my forbearance was cancelled. She told me that my account was being submitted for review and that the review should be completed in XXXX10 days and that I should call back after that amount of time. I called back on XXXX/XXXX/16 and spoke to a different representative ( XXXX, ID # XXXX ) who indicated to me that my account had still not been reviewed and that she would call me back when it had been. She offered no explanation as to why it was taking so much longer than the original representative had projected or how long I should anticipate it taking to complete. 

After ending the phone call, I submitted a message through the AES website explaining this situation as I have in the paragraph above. I received a response back today ( XXXX/XXXX/16 ) from " XXXX '' ( see attached email ). He advised me, " You will need to allow time for the review to be completed '' and that " We will work to have this review completed as quickly as possible and you will be notified on the outcome ''. My cosigners and I are receiving collection phone calls that are harassing in frequency and AES is regularly reporting my account, negatively affecting my credit and my cosigner 's credit. I am very disconcerted by the fact that, in his response, XXXX also offered no explanation about why it has not been completed, nor did he say how long I should anticipate waiting. 

At this time, I request that the harassing phone calls and negative credit reportings stop immediately for both my cosigners and I until the time that the review is completed. Also, I do not at all feel comfortable giving this company any further payments until this issue is resolved and I request that no payments are considered delinquent until the review has been completed and some resolution has occurred. 

I very much appreciate your time and attention and look forward to resolving this matter. 

Best, XXXX XXXX
Product: Credit reporting

Ive been trying to build my credit for 7 months now. I 'm now XXXX XXXX XXXX and still a little naive to this kind of stuff. But, a couple of days ago I decided to check my credit score and saw that it said under " public records '' there was a balance of {$12000.00}. Now I 'm not sure if it means I have to pay that. But what I do know is that there 's a year that number corresponds with. The year is 2010, in 2010 I was XXXX XXXX XXXX. I think there 's a mistake because there 's no way that has anything to do with me.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am following up complaint against Cash App ( block , Inc . ) do to inadequate customer service, and unfair practice which violate the customer financial protection act ( CFPA ). Specifically, cash out, failed to take timely and effective measures to prevent an address fraud on their platform leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fraud Transfer Act ( EFTA ) and Regulations E. These actions has caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

I have had a {$2000.00} credit limit with Synchony Bank 's XXXX card for a year. I have always paid on time and have used the card for many of my purchases. I recently paid it off and suddenly they lowered my limit to {$250.00}. The bank is trying to tell me that it's an " automated process '' but this feels predatory on both parts as they lure you in with a higher credit limit to make a large purchase that will be interest free if you pay it off within a certain time. I paid it off within that time and suddenly my limit is lowered and I can barely use it for anything. The lowered limit has hurt my credit now and I am furious.
Product: Money transfer, virtual currency, or money service

I opened my account with Bank of America when I came to the US for XXXX in XXXX. I have been a loyal customer with perfect records since then. In XXXX, I came back to XXXX because of COVID. I still have over XXXX in my savings account and now I want to transfer them back to my account in XXXX under my name with another bank. 

I have called in multiple times to confirm that since my US number on file is no longer in use I can change my primary contact method to my email and have one of the associate replace my contact number with my XXXX number. The associate said that even though I would not be able to tell from my online banking profile, from his end and the database, my number had changed to my XXXX number as I wanted and I could receive authentifications through my email. Also, since I don't have a US numer in use at the moment, I set up a XXXX XXXX XXXX following the step-by-step instructions given by another customer service associate. I had successfully set up my security key and then made two wire transfers with it. 

However, I received an email saying that I need to call XXXX to confirm my actions in order to proceed. I called them as instructed and was treated with little patience and a very rude attitude saying that they need to send a verification code to my US number on file. I told them the number was longer in use and they can send the code to my email which is my primary contact method, or send the code to my XXXX number on file. I also told them that the reason why I used a security XXXX was because my US number was no longer available to me. 

The associate did not understand what a XXXX XXXX XXXX was and said she's going to lock my account unless I visit a financial center in person. I told her that I currently did not have a valid visa and asked her if they have financial centers in XXXX, she told me with little patience and a very rude attitude that I could visit their office in XXXX. I doule checked with her if the XXXX branch deal with individual clients and she said yes. I later checked with the XXXX branch only to find out that they do not handle individual clients and have never done so. 

Now I'm compeletely locked out of my online banking accounts as well as mobile app and my authentic wire transfers are canceled by the rude associate. I still need to make these transfers and manage my funds. I can not risk to face another rude and heartless associate who makes XXXX effort in assisting customers and bans users unreasonably. I sincerely need your help.
Product: Credit reporting or other personal consumer reports

I recently reached out to Transunion in XXXX and XXXX of XXXX regarding information and items on my credit profile that were inaccurate, outdated, and even fraudulent in nature. Transunion only corrected a portion of it and has continued to report the same inaccurate information. I have reached out to try to correct this a couple of times since my original request. They willfully neglect my requests for correction of the information and now I find myself needing to make this complaint. 

According to Cushman v Transunion 1997, Transunion is required to ensure MAXIMUM POSSIBLE ACCURACY. Because they refuse to comply and remove the information that I requested to have deleted, my credit report violates these laws : 15 USC 1681i, 15 USC 1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ), and 15 USC 1666b .

I have incorrect names, address, phone numbers, employers, and inquiries which were allowed without a permissible purpose or written authorization from me.