23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$16000.00} XXXX XXXX/XXXX/XXXX  XXXX XXXX/XXXX/XXXX  XXXX XX/XX/XXXXXXXX  XXXX XX/XX/XXXXXXXX  XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX  XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX Balance Owed : {$17000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Vehicle loan or lease

My car was damaged at the dealership, XXXX XXXX XXXX on XXXX XXXX in XXXX, New Jersey. The car was financed by Bank of America and it had {$12000.00} in damages by the dealership employee with no valid drivers license. The car is a XXXX XXXX XXXX XXXX XXXX XXXX. The bank has refused to rescind the deal after my car was damaged by the dealership. The car should have been a total loss on XXXX XXXX. The car was fixed by XXXX XXXX XXXX at XXXX Collision in XXXX, New Jersey. My signature was forged on documents that i accepted the car back from the dealership. That is no true. The dealership committed fraud on me and the bank. That is not what I paid for when i bought the car on XXXX XXXX from XXXX XXXX XXXX with a XXXX mile extended warranty. I want this problem rectified.
Product: Checking or savings account

I use a service called XXXX to invest my money when I can. I tried to update my PNC Account number with XXXX  and they report that PNC Changed something and they can not longer perform transactions based on my requests. This was not a problem for me to set up initially with PNC. However, I want to link a new card that I received from PNC and the service is now not able to link to it. I want this service to link to my PNC Checking/Bank Card to round my money up and invest that money on my behave.
Product: Credit card or prepaid card

In XXXX and XX/XX/XXXX I purchased several airplane tickets on XXXX XXXX. Due to the pandemic, the flights were cancelled, thus we were unable to use the tickets. XXXX XXXX refunded all three of the transactions to my credit card company, however I have received only 2 out 3 credits in my account. My credit card is refusing to credit my account for the 3rd and final refund, despite numerous calls, emails, and letters, including providing them proof of the refund from XXXX XXXX. 

XXXX XXXX processed the last and final refund of {$1300.00} on XX/XX/XXXX, and confirmed as such in a conversation with me on XX/XX/XXXX. ( I can provide a screenshot of our XXXX conversation ). Since that time, I called my credit card 's hotline several times, speaking for 45-60 minutes at a time to get the funds credited to my account to no avail. I was promised verbally by an agent on a call which took place on XX/XX/XXXX that I would be paid by XX/XX/XXXX. But, yet again, the funds have not been credited to my account. 

Name of merchant : XXXX XXXX Date of the transactions & amount : XX/XX/XXXX - {$620.00} <<< this transaction was refunded and credited to my account XX/XX/XXXX - {$1300.00} XX/XX/XXXX - {$790.00} <<< this transaction was refunded credited to my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with CAPITAL ONE BANK USA, XXXX XXXX, and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, CAPITAL ONE BANK USA, XXXX XXXX, and XXXX  with no successful resolution. There was definitely an error on their part.
Product: Credit reporting or other personal consumer reports

Experian contines to report a XXXX XXXX account that is more than seven years old. I have done everything that I can do to get them to remove this account. They are violating my rights and should be sued!!!!!!
Product: Credit reporting or other personal consumer reports

I have inquiries on my credit report from all XXXX bureaus XXXX, Equifax, and XXXX. By law code 15 usc 6802. I have not received a disclosure on these inquiries. I have not agreed to any of these matters. I ask that all inquiries are removed from my credit report.
Product: Debt collection

Debt was sold several times in attempt to collect. This violates my privacy.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

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 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 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 XXXXXX/XX/XXXX
Product: Mortgage

On XX/XX/XXXX Newrez LLC/Shellpoint mortgage servicing sent me a secure message through their online message portal that contained loan documents belonging to someone else. I immediately contacted Newrez, who downplayed the concern and could not tell me if my personal information had been inadvertently sent to another person in error. 

Ironically, the message was sent from their compliance team. In the wrong hands, this information could be used for fraud, and I would like to ensure that the individual ( XXXX ) affected are notified and that Newrez is audited for proper PI compliance.

Newrez has been my mortgage servicer since XXXX of XXXX. When my loan was transferred to them from the originator, I attempted for months to recast the loan only to be told that my primary investor would not allow it. I had to personally call the investor ( XXXX XXXX XXXX XXXX ) and have them contact Newrez on my behalf in order to facilitate the recast request. The delays incurred due to newrez 's errors and incompetence have cost we well over {$1000.00} in additional interest payments on my mortgage.The purpose of my inquiry was a request to have the {$300.00} recast fee waived due to their errors. In their response today, they sent me the private information of someone in California which included all of their loan documents and payment history. It is my fear that my personal information was also shared with the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the fair credit report act XXXXXXXX XXXX, Capital one, and XXXX XXXX i have the right to privacy in which my information is all over google sites. 

Reporting agencies can not furnish a account with my permission A creditor may not treat a payment on a credit card account as late for any purpose. 

I have credit accounts as old as XXXX reported, with several attempts to dispute. Named is XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

" I recently discovered several hard inquiries on my credit report that I did not authorize. Upon further investigation, I found out that these inquiries were made by SYNCHRONY FINANCIAL. I have never had any dealings with this company, nor have I given them permission to access my credit report. 

I suspect that my personal information was obtained fraudulently. A few weeks ago, I received an email that appeared to be from a company I frequently do business with. The email claimed there was a security breach and asked me to confirm my personal information. I now realize this was a phishing scam. 

I am deeply concerned about the impact of these unauthorized inquiries on my credit score and the potential for further fraudulent activity. I request that SYNCHRONY FINANCIAL immediately remove these hard inquiries from my credit report and take steps to ensure this does not happen again. I also urge them to investigate how they obtained my personal information and to take appropriate action against any fraudulent activities. 

I would appreciate your assistance in resolving this matter and protecting my personal and financial information. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in the process of cleaning up my credit- or trying to. I have several issues. 
I had sent several goodwill letters recently. Trying to simply get negative accounts removed from several years ago when I declared bankruptcy. However, every single creditor I sent these too has then entered them as disputes. I am not disputing anything! I even plainly state that in my letters. 
Creditors that have done this so far- XXXX XXXX/XXXX XXXX   XXXX XXXX/XXXX XXXX XXXX XXXX XXXX My understanding was that unless we specifically file a dispute then- it isnt a dispute. 

Second issue- new collection- I verbally told them I dispute it. I want an accounting. I never received any sort of mail correspondence at all. They updated an old collection on my credit report with this new information. Then as if that wasnt bad enough- I sent via certified letter- a debt validation which has been completely ignored. 
What next? 

I feel like we have all these laws that are supposed to protect consumers but they arent taken seriously. After all, why should they be? If you dispute something they just electronically verify the exact same erroneous information. Once you have errors on your credit report it is a nightmare. You never seem to get them resolved or removed and it seriously can ruin your life. You cant get credit or not affordable credit. And you never get out of that pattern because on down the road future creditors see that you had to go through sub prime lenders and they dont like that either. Meanwhile the only people that get hurt are the people this is supposed to protect.
Product: Credit card

I used to have a Paypal account and then thieves got a hold of my debit information somehow and compromised it so I had to get a new one. In the process, I had so much trouble with Paypal, I decided to close the account. It took endless amount of time, research, and persistance, but I finally succeeded. However, now I am having trouble with some merchants such as XXXX  XXXX which are using Paypal billing services and now my card is not going through for those merchants. I think Paypal is getting to big for their britches, to use a colloquial term, and need to be set right. I hope you can do this. I have sworn off using XXXXXXXX XXXX XXXX  to order anything because since XX/XX/XXXX, payments have failed to go through, commencing with a try in XX/XX/XXXX and again today, XX/XX/XXXX. I told them to fix the problem and they didn't so that's their consequence. However, I don't want the Paypal problem to continue and spread. The reason I think it's them is that XXXX XXXX XXXX accepts Paypal as payment, which they didn't before, and because I discovered while searching on XXXX that one possible reason for decline could be a card associated with a Paypal account that was closed.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a 604 with all agencies..I have disputed many times and they do nothing but put it back under section 604 and 15 USC 1681 and its subsection they have violated my federal and state rights and caused me harm and financial hardship. 
1. XXXX credit inquiry on XX/XX/XXXX and XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Az XXXX XXXX. XXXX XXXX Inquiry on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX 3. XXXX inquiry on XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX 4. XXXX inquiry on XX/XX/XXXX XXXX XXXX XXXX XXXX FL XXXX 5. XXXXXXXX XXXX XXXX XXXX XXXX inquiry on XX/XX/XXXX XXXX XXXX XXXX XXXX  NV XXXX 6. XXXX inquiry on XX/XX/XXXX XXXX XXXX XXXX XXXX DE XXXX 7. XXXX XXXX inquiries from XX/XX/XXXX to XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX CA XXXX 8. XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX request immediately removal of al items from my credit report or financial compensation ordered by the board Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

You are reporting a PO box and I don't have one I lived at my address for 42 years where the XXXX you get this po box from remove at once and remove my personal statement
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) ( XXXX ) Date Opened : XX/XX/2021 Balance : XXXX I am entitled to complete and accurate credit history ; this is missing account information so please remove it. I want my credit report to be accurate and by law you need to remove accounts that are inaccurate, incomplete or unverifiable. If you verify the information, please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. Unverifiable accounts must be removed. I saw these accounts on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable :
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX ( {$3300.00} ) it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures. 
These accounts should not be furthed on my consumer report as they are in VIOLATION Under, 15 US Code 1681b Permissible purposes of consumer reports ( A ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer repert under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN instructions of the consumer to whom it relates. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 USC 6802 requires by law to provided the consumer with ( 3 ) disclosures 15 USC 6802 ( b ). ( b ) OPT OUT ( 1 ) IN GENERALA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; I have never given any consumer reporting agent WRITTEN CONSENT to report anything on my consumer report, which violates my rights a Federal consumer.

I request all ( 3 ) disclosures from the above companies! If the disclosures can not be provided, then I request the IMMEDIATE DELETION OF THESE ACCOUNTS FROM MY CONSUMER REPORT NO CONSENT IS IDENTITY THEFT. I REQUEST THAT THESE ACCOUNTS BE DELETED FROM MY CONSUMER REPORT IMMEDIATELY!

15 U.S. Code 1681c2 ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of.

I am a victim of identity theft!! Please delete all items mentioned in my FTC report off my credit report.
Product: Credit reporting or other personal consumer reports

The name of the individual who responded to my previous complaint so that I can have for my records since XXXX  is not a real person. I want to know who is making these claims that I owe them money.
Product: Credit reporting or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXXXXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Debt collection

I have tried calling back to the number that was given, and I asked what company they represent and they just hang up the phone. The phone number was XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a statement, my credentials as well as FTC report to have fraudulent accounts blocked and deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out these companies thur via the credit Bureau and I haven't heard any response, feel I've been ignored and degraded im a women of proud and I demand this incorrect, inaccurate, and unverifiable Information ( inquiries ) be deleted from my report. 60 Days later no response is insane why take of someone who is trying so hard as a single mother. Delete these accounts now I didn't receive proper documentation from any of the companies as I requested and the 15 day timeframe they had has expired. Due to lack of proper communication I demand these accounts deleted immediately or I will file for litigation for my rights as a consumer have been violated and I am devastated by your lack of help to the consumer. My credit is very important to me and my rights are being violated and I am in a serious XXXX due to this situation, handle this matter to my liking or I will take further action to get the results I demand.
Product: Credit reporting or other personal consumer reports

I notice that there was a fraudulent alert on my credit report that I didn't authorized. Please remove fraudulent alert off my credit report as it's delay my credit application.
Product: Checking or savings account

We opened a Bank account in Wells Fargo Bank in XXXX, IL branch. On XX/XX/2021, we received an XXXX amounting {$55000.00} for the services we delivered to a company. We got to know that by mistake the sender company wrote a different company name as beneficiary. Wells Fargo refused to release the funds and asked for a contract and the proof. We provided all the documents but still they refused to release the funds. 
The XXXX and all the staff were very rude. 

We told them to reverse the payment to the sender, so they can send again with a changed beneficiary name. But, Wells Fargo is not returning the funds back or releasing the funds to us, which clearly means they're using our funds. 

It is my request to help me with this. This amount is heard earned money and either they can reverse the payment or release. They can't hold our money like this.
Product: Credit reporting or other personal consumer reports

On the date of XX/XX/year> my credit was ran by unknown sources without permission 1. Credit acceptance 2. Consumer portfolio services I am a constant victim of fraud lost all identification before XXXX  time
Product: Debt collection

Express Recovery Services called asking for my wife. When I said she was unavailable they asked me if I were her husband, I told them I was, then told me who they were and never read the disclosure. When I said do n't associate me with this debt they said they could n't since she knew I was. That is when I stated I had been entrapped and disclosures regarding debt collection were never made and refused to produce evidence to the contrary. FAILURE : to follow proper disclosure requirements.