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

This is a follow-up to a previous complaint already submitted against Pentagon FCU ( XXXX # XXXX - XXXX ). 

On XX/XX/XXXX, we received an update from the customer service supervisor at PenFed that we'd been working with. This supervisor told us that the credit repair case we had open has now been closed by the credit repair department at PenFed with no action taken - i.e. PenFed is now refusing to reverse their previous hard credit pull against my wife ( issued via targeted and discriminatory practices ) to a soft pull altogether. This is a reversal from their previous assertion that they would work with XXXX  to reverse the hard pull to a soft pull, and it would take 30-45 days to complete. 

This decision was made despite the fact that 1 ) the hard credit pull was made in a targeted fashion against my wife, who has a foreign-sounding name and is female, but not against me ; 2 ) my wife is not the primary account holder for the account and is not the PenFed member for our relationship with them ; 3 ) neither I nor my wife have requested any credit product from PenFed that would require a hard credit pull ; and 4 ) every customer service agent and manager we have spoken to ( including the supervisor we spoke with on the XXXX ) has repeatedly confirmed that this hard credit pull should never have been made - which we have evidence of. 

From this, we can only conclude that PenFed is doubling down on their previous discriminatory and targeted actions and the fraudulent explanations they have provided for these actions by having closed this issue without corrective action, despite having acknowledged their wrongdoing on record.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Oh, XXXX DOB XX/XX/1982, SS XXXX I was looking at my report and I noticed that XXXX of my accounts are not reporting to my credit file at all. I have a XXXX CARD, XXXX BANK, and XXXX CARD that are not updating or showing on my credit report, They are not showing on my XXXX XXXX, Experian or XXXX.
Product: Mortgage

Institution displays available balance for Home Equity Line product instead of principal due which is incorrect amount when displayed in budget apps such as XXXX or XXXX.
Product: Credit reporting or other personal consumer reports

Approx. XXXX of XXXX  JPMCB called me and told me that I had a credit card that had an overdue balance. At the time of which they called me I told them that I don't have one of their credit cards and still don't have one of their credit cards. They said it was me until I told them that I wanted proof that I signed up for the card and I hadn't heard from them since. Until Late XXXX of XXXX  I recieved an e-mail telling me that JPMCB had put this back on my credit report. I disputed it through XXXX twice and I can't even call JPMCB because when I do their automated phone messages ask for the last 4 digits of the credit card ... .PRETTY HARD WHEN I DON '' T HAVE THE CARD!!!! I can't even contact them about removing it off of my credit. Nobody wants to help me combat the high priority corporate businesses that can ruin your credit in a heartbeat especially when this isn't mine!!! I pay all of my bills including the credit cards that I have and ON TIME! Look through my credit history! I will be contacting a lawyer if this doesn't get off my credit report! They have no business putting these things on someones credit report unless they can prove it is mine, and they have no proof that it is mine. I want to see when and where this card was used and by who's signature and/or computer, telephone, tablet, etc!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a new inquiry and I am not looking for credit nor did I sign an application to pull my credit.
Product: Student loan

When I started XXXX School I was told the only way I could attend was to do it through private student loans. Federal loans were not even an option for me. The school office acted like it was so easy and that is the way most people get to go to school. I was never talked to about what I really was doing and about how I was going to pay it back. I believe the schools and student loan companies are in it together and all they care about is making money and nothing about the person that is taking on the loan. I picked a school that at first seemed like they were a great XXXX school but really all they wanted from me was my money. It was like they were trying to sell me a new car instead of help someone become a better member of society. Anyways my grandfather who is also my number one supporter signed away his life on my loans. In the end the school XXXX XXXX XXXX and failed me a semester away from graduating and said that maybe i was meant to be a stay at home mom instead of a nurse. After that my life went down hill and it continues to go down hill. My husband and I had to file for bankruptcy and now I have XXXX XXXX calling me multiple times a day and also calling and scaring the XXXX out of my elderly grandfather. They won't accept my payment of {$250.00} a month, they say thats not enough? They are rude when I speak with them on the phone and they are not wiling to help me out at all. I always thought a little bit of money would be better then none at all. I don't know what to do. I feel like there are no options. How can the world let this happen around us? These companies are just not only bullying students but they are bullying the cosigners as well. They need to be stopped! There needs to be more information given to students before they just sign a student loan. We need to get this under control.
Product: Credit card

I am writing to formally request the refund of the credit balance on my account, which has been pending since early 2023. The credit balance in question amounts to {$21000.00}, and despite multiple requests for the balance to be refunded, Capital One has failed to issue the refund. 

On XX/XX/year>, an amount of {$21000.00} was removed from my account as a purchase adjustment. However, this adjustment was invalid, as it did not reflect a legitimate transaction. Following this, I reached out several times to request the refund, but my requests have not been fulfilled. 

In a response dated XX/XX/year>, you stated that the reason for withholding the refund was an ongoing investigation into the account, which has not yet been completed. Since more than a year has passed since that response, and the investigation has not been concluded, I am requesting immediate resolution of this matter. The continued delay in issuing my refund is unacceptable.

Under the Fair Credit Billing Act ( FCBA ), which governs credit card billing and disputes, I am entitled to a timely and accurate resolution of credit balances. Specifically, the FCBA mandates that credit card issuers must issue refunds for overpayments or excess credit balances within a reasonable timeframe. This includes situations where the account has been overpaid or where the balance exceeds the actual amount owed. 
Furthermore, as outlined in the Credit Card Accountability Responsibility and Disclosure Act ( CARD Act ), credit card companies are prohibited from engaging in unfair practices related to the handling of customer accounts. This includes withholding funds or delaying refunds without a valid or substantiated reason. The continued refusal to refund my credit balance, without providing any clear or reasonable justification, appears to be a violation of these laws.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent inaccuracies and false information consists of personal credit card accounts XXXX XXXX XXXX XXXX opened XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections and charge offs reporting on my consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, charge offs or hard inquiries as reported. The aforementioned accounts, collections, hard inquiries and charge offs maintained by you were not opened, made or initiated by me. All of the aforementioned accounts, collections, hard inquiries and charge offs are the result of identity theft and fraud. I have attached a copy of the FTC identity Theft Criminal Complaint as proof from the US Federal Trade Commission Report number : XXXX that all of the aforementioned consumer credit accounts, collections, hard inquiries and charge offs are the result of identity theft and fraud. According to FCRA 605B ( 15 U.S.C. 1681c-2 ) So I requested a description of the investigation and they did not provide it to me which is a violation of 15 USC 1681i7 . They also violated 15 USC 1681i ( 5 )
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX refuse to remove these fraudulent accounts off my credit report. I am a victim of Identity theft and I filed a Police Report in the area it happened in!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have discovered inaccurate information on my credit report. I am informing your company the error in my credit report and request to delete the error immediately. The bankruptcy remarked hurt my credit report and might decease my credit score as well. Here is the detail : Chapter XXXX Bankruptcy / XXXX / {$0.00}
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, 15 USC 1681 section 602 ( a ) states : " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801, which states : It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

Capital One is a financial institution by definition under that title. 15 USC 1681 section 604 ( a ) section 2 states that : " In general, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX the financial institution and the Consumer reporting agencies XXXX, XXXX, and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, and Experian, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise, is revoked. 15 USC 6802 ( b ) ( c ) states that : " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states : " Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states : " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that : " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I reached out to Grow Credit Inc to remove a late payment reporting because of an error with my bank when my account was compromised. 

On XX/XX/2021 a representative of Grow Credit Inc named XXXX reached out to me via email stating that they have removed the late payment from my account. 

On XX/XX/2021 I sent a follow up email to XXXX from Grow Credit Inc stating that XXXX had not removed it and that each time it is disputed with XXXX, Grow Credit Inc marks it as verified and will not adjust the late reporting. 

On XX/XX/2021 XXXX from Grow Credit Inc sent a follow up email stating that it has already been removed and they won't report on a request that comes from the credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 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 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 If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, the list of accounts below have violated my federal protected consumer rights to privacy and confidentiality Under 15 USC 1681, I told the XXXX, TransUnion, and XXXX credit reporting agencies to reinvestigate these accounts. However, they stated everything was complete and accurate, but how is that possible if the open date of last activity and more is incorrect? 
according to 15 USC 1681 I. 5, they are supposed to modify accounts that are not reporting. Correctly, 15 USC 1681 section 602 A, states I have the right to privacy.

15 USC 1680 1, section 604 ( A ) section 2. States a reporting agency can not furnish an account without my written instructions.

15 USC 1681. C, a it, 5 states. No consumer reporting agency can make any consumer report containing any of the following items of information. Any adverse item of information other than records of convictions? Or crimes which antedates the report by more than 7 years.

15 USC 1681 's. - 2 ( A ), ( I ) A person shall not furnish any information relating to any consumer reporting agency. If the person knows or has reasonable Cause to believe that the information is incorrect or inaccurate.

also they are not in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm soon to be in the market to purchase a new vehicle. I started preparing by checking my credit report to know what my credit score was. After doing so I noticed a couple of items that are not mine on my credit report. I have reached out to the XXXX and to my local police department. I am doing this on my own behalf. These items need to be deleted from my credit report. Chapter XXXX Bankruptcy, Chapter XXXX Bankruptcy, XXXX. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX  XXXX XXXX XXXX. XXXX XXXX
Product: Credit reporting, credit repair services, 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 USC 1681. 

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 XXXXXXXX, 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Product: Debt collection

I paid a third party collection agency for a debt that still was not verified as accurate to be paid. The University of XXXX sold debt to XXXX XXXX XXXX. I settled the debt with them XX/XX/XXXX in which I made payments on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to cover the settled amount XXXX in three payments XXXX. Well I received another collection letter in the mail from a new debt collector for the same balance offering to settle for XXXX. I explained to the other creditor that I have already paid the debt to a different company they stated they received the file this year XX/XX/XXXX from the University of XXXX
Product: Debt collection

XXXX service was cancelled back in XX/XX/XXXX. They sent me a bill ( I do no longer have ) describing charges due for equipment not returned. Equipment was eventually returned. I made several attempts through the past 3 years to get this debt resolved to no avail. This was then turned over to Diversified Consultants in XX/XX/XXXX. I had not received anything via phone or email regarding the change. XXXX would not longer speak to me on the manner. I finally found the information on my credit report as I am trying to refinance my mortgage and improve my credit score. I spoke to them on XX/XX/XXXX. They advised that the debt was for last month bill. This is not what XXXX advised me it was for. 
I decided to pay the amount in full to get this completed even though equipment was returned and final bill was paid prior. This is newly on my credit report and I need to have it removed ASAP. It has been fully paid. They advised they could only issue deletions after 90 days. I need ASAP.
Product: Prepaid card

I had my direct deposit set up with Rushcard and now I ca n't access my funds. It posts the funds to the account but when I try to withdraw it from the ATM it does n't allow me to. It also wipes out my balance when I try to use it in any store or contact them about not being able to use it. Also, when I contact them they hang up in my face or tell me that there is nothing they can do until it 's fixed and they have not estimated date or time that it will be corrected. I call them everyday and as soon as I 'm connected to an agent they hangs up on me.
Product: Credit reporting

I am filing this complaint because Experian has ignored my request to provide me with documents showing proper validation for negative items reporting on my credit report. Instead they sent a letter stating that certain items were verified with the original creditors, but where is the PROOF??? I am aware of my rights under the FCRA and Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. That basically means that you ca n't just verify my account by telling me it is verified. Nor can you verify my account by telling me you contacted the creditor and the account I disputed is " Verified ''. This means that IF you ca n't send me proof of these accounts from YOUR COMPANY, it must come off. Please make sure that XXXX abides by the law and provide documentation or delete immediately. 

Account Name : XXXX/ XXXX . Account Number : XXXX ... 
Account Name : XXXX XXXX XXXX Account Number : XXXX ...
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft which is reported on  XXXX  of  XXXX  credit bureau 's  XXXX   XXXX  given all the required documentation proving identity theft refuses to remove the in accurate charge on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

The last payment on the account # XXXX is more than 7 years and the account should have been deleted by now, but instead it is showing with incorrect " estimated month and year that this item will be removed : XX/XX/2023. '' Please delete this disputed account.