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

In accordance with the fair credit reporting act the list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681c section 602 ( 4 ). 
1 ) Acct # XXXX XXXX XXXX XXXX, XXXX Acct # XXXX, XXXX XXXX XXXX Acct XXXX, XXXX XXXX XXXX. Acct # XXXX. XXXX XXXX XXXX Has violated my rights. 15 U.S.C. 1681c Section 602 ( A ) states I have the right to privacy.

15 U.S C. 1681 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

I demand that these accounts be deleted immediately
Product: Debt collection

This is a phone bill racked up by my ex wife using my name on a XXXX account, I do not or have not had a XXXX account in many years and especially not in the time frame of this bill, I have disputed and won against this same debt before. The debt was proven in divorce court to be the responsibility of my ex wife and should not reflect on my credit report
Product: Credit reporting

Please be advised I had a VOLUNTARY judgement with XXXX in GA Phone number XXXX! Part of the agreement was XXXX agreed not to place the Judgement on my credit report! Months later after it was inserted I called the XXXX XXXX XXXX where the Judgement was filed and the County Clerk advised me that they do not give the credit bureau any information! Apparently, they went seeking the Judgment not knowing the agreement XXXX and I had! I in turn called XXXX and they did acknowledge that they agreed to not report me! I immediately wrote all XXXX bureaus and advised them to call XXXX at XXXX to verify the agreement! Apparently, XXXX and XXXX did their due diligence and called and verified and removed the Judgement but Equifax did no such thing just marking it as verified! I do not know who they verified it with because if it was XXXX they would have advised them it was not to report per our agreement! Please see the tradeline below! 
Legal Item XXXX XXXX, 2015 Satisfied {$3600.00} Public Record Details Reference Number XXXX Court -- Date XXXX XXXX, 2015 Status Satisfied Amount {$3600.00} Classification -- Type legalitems
Product: Debt collection

I am writing to address multiple fraudulent entries on my credit report, specifically related to DEPT OF ED/XXXX  XXXX DEPT OF EDXXXX XXXX DEPT OF ED/XXXX  XXXX DEPT OF EDXXXX XXXX DEPT OF ED/XXXX  XXXX DEPT OF EDXXXX XXXX DEPT OF ED/XXXX  XXXX DEPT OF EDXXXX XXXX DEPT OF ED/XXXX  XXXX DEPT OF EDXXXX XXXX DEPT OF ED/XXXX  XXXX DEPT OF EDXXXX XXXX DEPT OF ED/XXXX  XXXX DEPT OF EXXXX XXXX DEPT OF ED/XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Accounts, has violated my rights. 
Inquiries XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 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

On XXXX a merchant account was incorrectly reported to Equifax Credit Report. I sent a 609 letter on XX/XX/2021 and a Demand to Comply letter on XX/XX/2021 to have this issue mitigated to no avail. I wasn't given any letter, email, or phone call in this matter. I would like to have this report removed immediately off my credit report as this is negatively affecting my credit score and livelihood. There are other false reports on my letter that I would like have removed but the derogatory status is my main focus.
Product: Money transfer, virtual currency, or money service

Breach of fiduciary Duties This is fraud, under the Color of State Law Its about them performing for these credits the was credit XXXX and the signed a promise note for XXXX it has interest you have to secure the secure party credit interest to them thats what this is going to come down to you transfer that interest to the note to them for them to give the face value which is the credit, credit is just a face value of the note for {$150000.00}, 10 % interest they entitled to the interest which is a share but they have to credited XXXX XXXX XXXXXXXX which is the face value That XXXX out the account however there were an assignment transferred in a State of Peonage under 18 U.S. code section 1581. 
Equity is about the performance. 
Costner Law Office PLLC XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/, the unknown suspect ( s ) used his name and social security number and address XXXX XXXX XXXX XXXX open up a mortgage/assignment with XXXX XXXX XXXX XXXX
Product: Checking or savings account

One of the services I used when a customer of PNC Bank, was the money transfer service known as XXXX. When PNC told me they were closing my account, never gave a reason except they can do this, and I have no problem with this policy. If they don't want me, so be it. My account number was XXXX. Routing number was XXXX. 

However, when they closed the account, they did not release me from the XXXX service I had with them. I called XXXX XXXX, and they informed me that PNC would have to release me from the XXXX service I had with PNC before I could establish service directly with XXXX. To this date, PNC has refused to release me with no reason given. XXXX is an independent business that banks use as a service for their customers. I don't believe PNC has the right to not release me from their XXXX, an independent business. 

I am seeking to have PNC release this hold on my ability to do business with another independent business. 

I look forward to what you learn. 

The PNC branch I used is located at XXXX XXXX XXXX XXXX, XXXX, MI XXXX. Their phone # XXXX PNC XXXX XXXX is at XXXX XXXX XXXX, XXXX, PA XXXX Phone - XXXX Sincerely, XXXX XXXX. XXXX
Product: Payday loan, title loan, or personal loan

Due to the Hurricane Harvey damages and FEMA denied my application for assistance, I needed to get the remainder of the repairs done. I'd depleted my savings and repairs were really needed to live in the home. So on XX/XX/18, I went into the XXXX XXXX XXXX location completed the Title loan application and she had me to sign the documents. The strange thing I was told they could not give me the funds at their location and needed to go to the XXXX XXXX XXXX location to pick up the funds. So they faxed my application and a copy of my vehicle title to the other location. The representative gave me a check for {$1500.00} and told me my 1st payment would be due XX/XX/18. 
The Hurricane damages, no savings and one check coming after 2 -3 months caused a financial hardship. I decided to do a Debt Consolidation in which they wanted to payoff the XXXX XXXX Title Loans. We called XXXX XXXX to let them know we were paying off the Title Loan but the company was paying with a check from XXXX XXXX. We told the paying company knew they do not accept their checks and I was floored. My loan proceeds for paying off other creditors would be processed after the payoff of the XXXX XXXX XXXX Title Loan. I don't understand why they would not accept the payment from another financial institution. Now I can not get the loan.
Product: Checking or savings account

We started on XX/XX/2023 to release some IRAs we had for my sons education, someone at the bank put a hold on them and Wells Fargo can not figure out why, my son was supposed to graduate welding school today, he will not get his diploma until we pay the school XXXX. We can not pay them because the bank can not figure out why they have a hold. We had to cancel a graduation party intended for today, we have someone high up supposedly working with us but I leave messages and no one returns my calls.My stress level is out of control the school thinks we are lying because it is such an outlandish situation. As a mother one of the best days of my life, graduation of a child. Is totally ruined he will not get a job recommendation and he is a great welder Wells Fargo has totally ruined what is supposed to be a defining moment in a parents life. Is there anything you can do to help us get our own money.thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told by US BANK that they were not reporting my accounts back to my credit report even though the mortgage has been modified and the auto loans was just listed in the chapter XXXX bk that was dismissed in XXXX 2018 due to payment amount being increased. I was still making the payment for the auto loan with US bank.
Product: Student loan

In the Fall of XXXX, I registered as a student at XXXX XXXX XXXX of XXXX. I began classes in XXXX of XXXX and graduated with a XXXX XXXX XXXX in XXXX of XXXX. Shortly thereafter, I consolidated my federal student loans and have been paying them back via an income-based repayment program through National Student Servicing.I have had no trouble making these payments and the remainder of my federal student loan debt will be forgiven by XXXX. 

My problem is that six months after graduating, I started receiving bills from a bank called XXXX XXXX for over a thousand dollars. I am not and have never been in a position to make such a payment. I struggled to make payments for what I was being told was a " private student loan. '' In XXXX, XXXX XXXX sold my student loan debt to Reliamax Surety Company. I continued to struggle to make payments, and I attempted to consolidate this private loan through a company called XXXX XXXX. My consolidation payment was {$1100.00} per month, which caused a heavy financial burden on me and my family. I was not able to keep up with the consolidation payment, and my mother ( who is my co-signer ) and I began receiving many harassing phone calls per day from Reliamax. I was also threatened over the phone by Reliamax, I was told that if I could not pay then I would " face consequences ''. In XXXX of XXXX, my mother and I were presented with court summons because we were now being sued by Reliamax. We hired representation, and have attempted to reach a settlement with Reliamax but they have refused to accept any of our offers. 

When I was a student at The XXXX XXXX of XXXX, the difference between a federal and a private student loan was not explained to me. I also never saw any of the payments that XXXX XXXX made to XXXX XXXX XXXX, to my knowledge all of the loan money was sent directly to the school. When I got my federal loans in order, I thought I had everything covered, but I was sorely mistaken. I was never provided with documentation of the loan, I was told by the school that if I did not sign the loan contract, then I could not continue to attend classes. I was not consulted about where the loan was coming from, or what the consequences would be for me if I defaulted. I received no counselling when making this enormous financial decision. I was scared and intimidated because I did not want to risk not completing my degree. I feel that I was strong-armed into taking out a loan that I did not fully understand, bankruptcy is not an option, and now my mother ( my co-signer ) and I are facing huge financial detriment. 

I understand that XXXX XXXX XXXX have faced a class-action lawsuit for predatory lending practices, and I believe I and many other students from XXXX are victims of those practices.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding XXXX 's failure to conduct proper investigations. Specifically, in a lawsuit filed against XXXX, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), XXXX is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C 1681 ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. I hereby request that XXXX : 1. Conduct a thorough reinvestigation of the following disputed accounts or items [ list the specific accounts or items you are disputing ]. 2. Provide me with all documentation used to verify the accuracy of the disputed information. 3. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. Given the recent CFPB findings, I expect XXXX to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. If XXXX fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file. Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

Continuing and Escalating Concerns of XXXX, the Work Number then, XXXX and XXXX. 

( X ) Contuined Fraud ( X ) Theft ( X ) Scamming X ( Collection ) ( XXXX, XXXX ) Public Notice {$10000.00} National Credit Systems XXXX XXXX {$1600.00} X ( Creditor ) ( XXXX, XXXX ) XXXX XXXX XXXX XXXX {$840.00} X ( Past Employers ; XXXX XXXX ) ( XXXX/Work Number ) XXXX XXXX XXXX No FICO Score ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquire in my credit from one main financial that I did not authorize. I did authorize one on a previous day, but not on XX/XX/2021 XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Date : XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX, TX XXXX To : Equifax XXXX XXXX XXXX XXXX, GA XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Dear Sir/Madam, I am writing to formally request the correction of my credit report regarding my XXXX XXXX XXXX XXXX account XXXX My personal belongings, including my drivers license, Social Security card, cell phone, and financial cards, were stolen and used for fraudulent activities. I have documented proof from multiple sources confirming that this information is fraudulent, and it has been blocked in the system in full compliance with the Fair Credit Reporting Act ( FCRA ) Section 605B, FTC, CFPB, and applicable USC codes. 

The account in question was fully paid and closed in XX/XX/XXXX. I am requesting that you update my credit report to reflect the account as paid in full with no late payments, in full compliance with

USC 15 1666b ( a ), which states : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. If the information can not be updated to reflect that the account is fully paid and there are no late payments, I request that you BLOCK, REMOVE, or DELETE this information from my credit report within 4 days in accordance with FCRA 605B. 

Please confirm the updates have been made and notify me in writing of any changes. Your prompt attention to this matter is appreciated. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit card

I opened an American Express XXXX card in XXXX of this year, 2015. I have never seen any XXXX points transfer from the American Express card to the XXXX program. I finally talked to a senior account manager at American Express who indicated they are aware that they have a software problem and that is a level XXXX highest priority, and that they have no time frame and no idea when this will be fixed. This is clearly fraudulent as I am due thousands of points ( XXXX bonus for spending {$250.00} in 3 months as an example ) and even the account manager gave me XXXX compensation points which I can not see since their software transfer program has never worked. None of the regular customer service people know anything about this and you spend hours on the phone talking to representatives that have no clue on the credit card program works. The people at XXXX cards ( which is part of American Express ) clearly indicated this is a software transfer issue on the American Express credit card side and even opened up a support ticket even though they can not resolve this issue. This is extremely misleading when you do not tell people that your own credit card program does not work and they have no idea if I will ever see my XXXX points transfer over to my XXXX XXXX. The public needs to know about this and the impact in the industry when a credit card leader such as American Express misrepresents themselves to the consumers that trust them as a company.
Product: Mortgage

An escrow account was established at re-financing for our quarter of property taxes, even though we told them we have always paid out taxes through an automatic electronic deduction. I called our tax department to see if they could suspend the one payment, that was NOT an option. When the township got the check from Freedom orgage, they returned it to Freedom orgage. I have now spent hours and hours and hours verifying my loan #, home address and last 4 # s of my ss number. I get disconnected. Every single time.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I signed up for a " free '' credit check with Trans union because I had just found out my SSN had been stolen. Today on XX/XX/XXXX I was charged XXXX without my permission and when I tried to contact them I was speaking with someone in another country and she could not help me solve any of these problems.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX Balance : {$3100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing disputes with Equifax to help clear my file. these reports are inaccurate an I need these items removed asap. review the information listed an update all items on my credit report.
Product: Debt collection

I have made several attempts to remove this XXXX  collections from my credit report, It's not my account, they have sold the file to a third party called I.C.systems.inc that has tried to get me to settle something that doesn't belong to me, the date they reported the account was opened is XX/XX/2021, for a charge of $ XXXX want this removed from my credit report..
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 604A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Student loan

My direct XXXX and XXXX federal student loan was consolidated without my consent on XXXX/XXXX/XXXX. I never request the loan to be consolidated. My studentloans.gov account has no documentation of a loan consolidation on that date. My loans were not in repayment on that date as I graduated on XXXX XXXX so I would not have requested a consolidation 4 months after graduating. I have tried to talk to the servicer that I never requested the consolidation but they insist I did that is why my loan was sent over to navient. I was told that my loan was being serviced by Navient but with no reason. I need this situation fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last XX/XX/2018, I sent this credit bureau a letter declaring that I am a victim of Identity Theft and that accounts were opened under my name fraudulently. I attached a copy of my IDs and my FTC report to my letter I faxed to this company and requested XXXX XXXX account XXXX to removed and block on my credit report. I have not received any service from these creditors either. Please block this information from my credit report, as per 605B of the Fair Credit Reporting Act, and send the required notice to all businesses that supplied this information. It has been more than 4 days when this credit bureau received these documents and still, they showed their negligence and non-compliance by ignoring my lawful request.
Product: Credit reporting or other personal consumer reports

Improper use of my credit report. reporting companies below has used my report improperly under 15 USC 1681. 
In accordance with the fair credit reporting act convergent accounts : XXXX # XXXX XXXX XXXX ( Original Creditor : XXXX 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 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 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX SYNCB/SAMS XX/XX/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 XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX