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

I had an updated copy of my credit report, and when I looked at it, I found that some of the information was inaccurate. The three credit bureaus must verify these accounts in accordance with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Due to the letters of protest I have been submitting to the credit bureaus, I assumed this issue had already been resolved. But I'm upset that the credit reporting agencies did nothing to fix their error and update my credit in their files. It is not acceptable to disregard these reporting accounts as unverified information without offering any justification within the legally required time range. The following false information in my credit report needs to be looked into and corrected : XXXX. XXXX XXXX XXXX XXXX XXXX : {$570.00} XXXX. XXXX XXXX XXXX XXXX : {$1300.00} XXXX. XXXX XXXX XXXX XXXX : {$4000.00} XXXX. XXXX XXXX XXXX XXXX : {$8600.00} XXXX. XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX. XXXX BANK XXXX XXXX XXXX XXXX : {$0.00} XXXX. XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX. XXXX XXXX  XXXX Balance Owed : {$0.00}, and XXXX. XXXX XXXX XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fcra the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 u.s.c.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 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 15 usc 1681 section 602 ( a ) states I have a right to privacy.

15 usc 1681 section 604 ( a ) section 2 states a consumer reporting agency can not furnish a account without your written instructions.

15 usc 1681 ( c ) ( a ) ( 5 ) section states no consumer reporting agency shall make any consumer reporting containing any of the following items of information any other adverse item of information other than the records of convictions of crime which antedates the report by more than 7 years.

15 usc 1681 c-2. ( a ) ( 1 ) states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or gas reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I have for the past 20 years or so been contacted by several different Collector Agencies ref another individual. Knowing these debts if any are sold to other agencies attempting to collect. It is beyond my comprehension how these agencies have associated my phone numbers with this individual. Since @ XX/XX/XXXX Collector Agencies have been in pursuit of XXXX XXXX XXXX. I do have knowledge of XXXX XXXX as he married my ex-wife. Other than this I know nothing more. How every phone number I have had ( XXXX ) through the years even when I lived in XXXX XXXX XXXX, these Collector Agencies have located my phone numbers convinced I was in frequent contact with XXXX XXXX. I had not heard from any Collector Agencies for several years until now, I received a call on XXXX XXXX, 2015, again looking fo XXXX XXXX. How they are still finding my phone number is a mystery. I did return the call to this so call Law Office suggesting they should cease and desist any more calls to my residence. This order by me met with ... .. '' WE WILL DO AS WE WISH '' even though I am not XXXX XXXX . The following is the information I have. I am hoping for resolution to this situation. OxFord Law Office. Contact : XXXX XXXX. Phone number XXXX. On my caller ID it appears the call originated from XXXX XXXX, number XXXX. 

Regards ;
Product: Debt collection

Hi, I received a debt collection notice from Remex inc on behalf of XXXX XXXX XXXX XXXX. On XX/XX/ for XXXX USDs. 

I replied with the dispute and sent through USPS on XXXX XXXX XXXX The mail was delivered on XXXX XXXX XXXX given the record of USPS, while Remex claimed they haven't received it. I feel there is no way for me to prove that I have sent them the dispute if they refused to provide any receipt confirmation. 

I have uploaded my dispute and case explanation. I am wondering if you can help with the situation. Thank you in advance. 

Sincerely, XXXX
Product: Debt collection

I hope this letter finds you well. I am writing to seek assistance and guidance regarding a matter of significant concern involving a legal action initiated by Best Buy, a retail company, concerning an account that I have no knowledge of ever opening. I am deeply troubled by this situation as it has had a significant impact on my financial well-being, and I am unable to resolve it through direct communication with the company. 

Here is a brief overview of the situation : On XXXXXXXX XXXX, I received notice that XXXX has filed a lawsuit against me for an account that I have no knowledge of and believe to be an error or a case of identity theft. 
Despite numerous attempts to communicate with Best BuyXXXX XXXX and request information about this account, they have not provided me with any details or evidence that this account is genuinely mine. 
I have not received any documentation that would confirm my responsibility for this alleged debt. To the best of my knowledge, I have not engaged in any transaction with Best Buy/ XXXX that would warrant such legal action. 
This situation is causing severe distress and financial hardship for me, and I believe that my rights as a consumer are being violated. 
I kindly request your intervention and assistance in this matter. I would appreciate any guidance you can provide in resolving this issue, including steps I should take to confirm whether the debt is valid or if this is a case of identity theft. If necessary, I would also appreciate any assistance in compelling Best Buy to provide the necessary information to prove my liability for the debt they claim I owe. 

I have attached copies of all relevant correspondence and notices for your reference. 

Your prompt attention to this matter is greatly appreciated, as it has caused significant stress and financial burden. I am eager to resolve this issue and ensure that my rights as a consumer are upheld. 

Thank you for your assistance in this matter.
Product: Debt collection

This is a business debt. I disputed previously disputed this through XXXX XXXX which is XXXX. As you can see by the attached documentation they changed it to a joint responsibility, While still incorrect, they concluded their investigation that this was correct. Only to change the status back a few days later. I disputed again, it changed again, then a few days later it changed back. 

I sent a dispute on the XXXX of XXXX to XXXX  and have no received a response. It's been over 30 days. 

They have a responsibility to only furnish correct information. Not whatever they want it to be to satisfy their claim. When these changes occurred they had 5 days to notify me. It never happened. This is a clear violation of the FCRA. 

Not to mention as you see from their response, it never speaks to the responsibility for the account. I ask that this is removed from all 3 bureaus immediately, as this erroneous information injuries my credit reputation.
Product: Credit card or prepaid card

I ( consumer for Synchrony Financial ) DBA XXXX XXXX feel I have been a victim of unfair credit practices. I noticed my credit has taken a hit when the Financial Company has decreased my credit limit causing utilization to be way above what it should be. As having said so, I was never made aware of my limit decreasing at random, otherwise would have tried to find a way to pay more toward the account to take a less effect on my credit. Ive contacted Synchrony Financial, XXXX XXXX STATES the bureau decides the changes need to be made. I as a consumer know that this information is false and many times calling into synchrony financial getting misled. This needs to be fixed as illegal practices can not be resumed, as this is very damaging to consumers whom never received notices about changes in terms of the original agreement.
Product: Debt collection

I AM NOT LIABLE FOR THIS DEBT WITH CAINE & WEINER OR XXXX, I DO NOT HAVE A CONTRACT WITH CAINE & WEINER OR XXXX, THEY DID NOT PROVIDE ME WITH THE ORIGINAL CONTRACT AS I REQUESTED.
Product: Checking or savings account

I closed my Wells Fargo account back in 2018 because my account was always overdrawn by fees that would come out of absolutely no where! I also made a claim because at one point someone stole my bank card, and made purchases. The claim was denied and I was never credited the money back. Eventually this account went into collections because of all the fees and strange activity.
Product: Credit reporting or other personal consumer reports

My background check information is incorrect. I've been cleared by the courts. I've paid my dues and free and clear of criminal records. This is causing me to not have a job. Please correct ASAP.
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 USC 1681. The accounts below have violated my rights 15 U.S. C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1881 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 tem of information, other than records of convictions of crimes which antedates the report by mote than seven years. 15 U.S.C 1681s-2 ( A ) ( a ) 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. 

Delete the accounts below. 



XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX mortgage XX/XX/XXXX XXXX XXXX mortgage XX/XX/XXXX XXXX XXXX mortgage XX/XX/XXXX XXXX factual data XX/XX/XXXX XXXX factual data XX/XX/XXXX XXXX factual data XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX factual data XX/XX/XXXX XXXX factual data XX/XX/XXXX XXXX factual data XX/XX/XXXX XXXX
Product: Checking or savings account

My wife and I opened a High Yield Savings Account with PNC Bank Account on or about XX/XX/19. As part of this process, we funded the account with all of our savings ( {$150000.00} ). 

PNC sent out a registration form for us to confirm the opening of the account, which needed to be returned within ( approximately ) 30 days. 

Due to us moving apartments, the slow redirection of this mail meant that we missed the 30 day period. 

We called PNC last week Tuesday XX/XX/19 and was informed that our account was closed on XX/XX/19 and a check for {$150000.00} was sent to us at our new/correct address, but was sent with no tracking or any other way of evidencing its sending or receipt.. This check was not received by us and is still missing. We requested to speak to a manager and spoke with XXXX - who told me that she would follow up and contact me the next day. 

XXXX did not follow up so we called XXXX on XX/XX/19 and left a voicemail to follow up. There was still no call back from XXXX and we called PNC again on Friday XX/XX/19 and spoke with a person named XXXX who said that he would send the message to XXXX and mentioned that I needed to sign a document to stop the check. 

On XX/XX/19 - We called XXXX again and pressed XXXX due to no answer. We were transferred to XXXX XXXX. XXXX told me that the check was sent and it was outstanding-meaning not cashed. I informed her of the history and that we havent received check. XXXX faxed us the form that requires our signature to stop the check. This form requires us to fully indemnify PNC for all liability related to the check. I am outraged at this. PNC decide to mail a check to a customer for {$150000.00} with no tracking, and the only way that I can stop that check and ever receive my money back is if we indemnify them for what I consider to be a negligent and reckless practice. 

I was escalated from XXXX to XXXX XXXX who confirmed that the only way I will ever get my money back is if I sign this indemnity, covering all losses associated with PNC 's practice of sending checks of {$150000.00} to consumers with no security or tracking procedures. 

I am now stuck and do not know what to do.
Product: Credit reporting or other personal consumer reports

I recently gained access to my credit report and seen some inaccurate items and information. These errors have caused me financial hardship. I'm demanding proof of documentation showing permission/consent with signature. please help in removing/deleting these inaccurate items as listed below : XXXX XXXX XXXX XXXX / account # XXXX / BAL {$15000.00} / opened XX/XX/year> inquiry- XXXX XXXX XXXX XXXX / XXXX inquiry- XXXX  / XXXX inquiry- XXXX XXXX XXXX XXXX / XXXX I find these to be in violation of 15 USC 1681N Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

15 USC 1681Q Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 

15 USC 1681E A consumer reporting agency may not prohibit a user of a consumer report furnished by the agency on a consumer from disclosing the contents of the report to the consumer, if adverse action against the consumer has been taken by the user based in whole or in part on the report.
Product: Bank account or service

Recently I closed my checking account with U.S Bank. I have only kept my credit card open. Before closing my checking account, I had XXXX accounts open, a checking account, a savings account, a line of credit ( that I was able to use if I ever needed and whenever I had insufficient funds in my checking account ), and the credit card, which is still open. Last week, I received a letter from U.S bank saying that a transaction of {$87.00} had been debited from my closed checking account. I went to the nearest U.S Bank account and they refused to explain to me why this was happening. They just told me that if I did n't pay the amount that I would be sent to collection for this amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX insurance gave me a quote on increasing my auto insurance and they automatically applied it to my account when I noticed about 2 days later I immediately called and canceled it. The information reported is false.
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 insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax, XXXX, XXXX are consumer reporting agencies and I am the XXXX. 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. '' XXXX and XXXX XXXX is a financial institution by definition under that title. 15 USC1681 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 and XXXX XXXX, the financial institutions and the XXXX reporting agencies Equifax, XXXX, XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX, XXXX And XXXX XXXX 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 and 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. Equifax and XXXX 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: Student loan

A company by the name XXXX XXXX kept calling me about Obama student loan forgiveness. So I finally answered and spoke to them on the phone and they explained to me what they do and what theyre about. So I liked what I was hearing so they got me to sign a contract to pay them 40 something dollars, every month for them to hand my student loan payments for me but it turns out my student loan was not being paid AT ALL.! They also asked for my personal information as well and took money out my account for months. So I called my Student Load provider and they told me that is was a Scam!
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 


XXXX XXXX  XXXX XXXX, XXXX, NM, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NM, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NM, XXXX, XXXX XXXX XXXX, XXXX, MN, XXXX, XXXX XXXX XXXX, XXXX, TX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I SENT OFF LETTERS ON XX/XX/2021, TO THE CRA 'S ( XXXX, EQUIFAX, XXXX  ) ABOUT NEGATIVE ITEMS THEY ARE REPORTING ON MY CREDIT PROFILE. THE INACCURATE INFORMATION, INCLUDING MY NAME AND ADDRESS HAS NOT BEEN VERIFIED TO ME AND ITS CONTINUE TO BE POSTED KEEPING ME FROM OBTAINING CREDIT. I HAVE ATTACHED COPIES BELOW FOR MY RECORDS
Product: Credit card or prepaid card

My card hacked many types and charged many times with unwanted fees
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Information Solutions Inc ( Experian ) has violated United States Federal Law Gramm Leach Bliley Act 15 U.S. Code 6802, 6803, 6821 the entire section of the Gramm Leach Bliley Act ( GLBA ) and shall be held criminally accountable. 
Experian Information Solutions Inc Has violated XXXX XXXX rights to privacy and shall be held criminally accountable and Experian Information Solutions Inc and agents shall be imprisoned with Prejudice! 

XXXX XXXX XXXX ALL RIGHTS RESERVED.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate personal information and unauthorized credit inquiries listed on my consumer report. Per my rights under the Fair Credit Reporting Act ( FCRA ) 609 and 604, I am requesting the immediate removal of the following items that are inaccurate and were added without my consent.

Inaccurate Personal Information for Deletion Correct Name : XXXXXXXX XXXX XXXXXXXX Incorrect Name Variations : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Correct Current Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX Incorrect Previous Addresses for Deletion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Correct Employer : XXXX XXXX XXXX XXXX Incorrect Employer Information for Deletion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Unauthorized Credit Inquiries for Deletion I did not authorize the following inquiries, and they violate my rights under the FCRA 604 for permissible purpose. Please remove them from my report immediately : 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 XXXXXX/XX/XXXX Experian I have attached a copy of my driver 's license, Social Security card , and a recent utility bill to verify my identity.
Product: Credit reporting or other personal consumer reports

on XXXX XXXX i did a complaint and this is my third complaint that ive written and Bull city financial isn't following the law I informed them that they do not have no license to collect a debt in New York state and it doesn't matter that they got a license from a debt that they bought from the original creditor. they keep sending the same answers as such " Bull City Financial Solutions has conducted research. Validation of the debt from the original creditor has been sent to the consumer at the address Bull City Financial Solutions has on file.

Our Help Desk is available to assist consumers and may be reached directly via telephone at XXXX. '' now i am informing the CFPB that this CREDITOR is not registered to collect a debt in my state and they are hurting my credit.