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

As an INJURED CONSUMER of currently unproven compliant and or valid misinformation, I DEMAND you remove immediately the claim ( s ) as related to the alleged delinquencies and claim of CHARGE-OFF/ COLLECTION and further ANY ASPECT OF ACCOUNT potentially injurious to me. Prove alleged derogatory reporting claim of CHARGE OFF/COLLECTION is fully true, correct, complete, timely, valid, physically verifiable by document testimony certifying all data of allegation ( s ), every notation, all aspects, dates and balances, payments and balance calculations, accounting and audits, Identifications and personal identifiers, pay statuses and source codes, all 426-characters of the mandatory correct and complete P6 statement with all of its trailing fragments, each of the sequential 386-pieces of confirmation to collection, creditor classification code, collector class code ( if any ), and all aspects of requisite perfect reporting, mentioned or not INCLUDING TO THE MANDATORY PERFECT METRO 2 FORMAT REPORTING COMPLIANCES! Compliance of reporting and VALIDITY of claim ( s ) are MINIMUM MANDATORY CRITERIA to REPORT, NOT OPTIONAL. You MUST adhere to my state and the applicable federal reporting laws or else be subject to civil action and suitable penalties and or fines for your dereliction, willful in nature OR in XXXX  matters not! REMOVE any and all aspects of delinquency ( ies ) and or derogatory allegation ( s ) now to OBTAIN, RETAIN, or to return to reporting with legal standing in full accordance of requisite mandates of law, be them mentioned here or not! I DEMAND you do so TODAY, even HERE and NOW!
Product: Debt collection

There is an unknown account listed from Wakefield & Associates which is unknown and I do not owe any medical as I have insurance and this is again unknown and I have never received validation or anything about this item Wakefield & Associates XXXX {$410.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act U S DEPT OF ED/XXXX account number 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 instruction
Product: Debt collection

on XX/XX/22 I received a letter from Dynamic Recovery Solutions tel # XXXX. reference # XXXX. The original creditor is XXXX XXXX XXXX Current Creditor is XXXX XXXX XXXX XXXX The letter states that this debt has exceeded the statue of limitations and can not be reported negatively on my credit. I called to demand that a verbal cease and desist be placed on this file. I just want the CFPB to notify the collection agency that they need to honor my request. thank you
Product: Credit reporting or other personal consumer reports

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Product: Debt collection

On my credit report it pop out a XXXX amount debt and I dont recognize from where and it affect to my credit score
Product: Bank account or service

We have been banking with PNC for 6 years now. We have been offered the service of overdraft protection a few times, but because I do n't believe you should be able to take money out that you do n't have so I declined the overdraft protection. 
I got charged {$220.00} in overdraft fees, which I considered abusive. When I called I was told they would " reverse '' {$84.00}, just per courtesy. I have recently lost my job and I had to get a new one, so I never thought that PNC will process payments with no insufficient funds in the account. Because the funds were n't they charged {$36.00} times XXXX ( {$140.00} ) plus they charged me {$7.00} per day for every day the account is overdrawn. 
I had request a full reverse of my fees and escalated the complaint with PNC. But I really think we should reign on this abusive system. Banks are making their living by overcharging fees.
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. 
Account name : XXXX XXXX  / ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

15U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
These inaccuracies are stopping me from getting a house for my family and car for kids.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS/INQUIRIES LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Mortgage

I requested forbearance, by email on XX/XX/2020 & XX/XX/2020. I have affirming that I am experiencing financial hardship during the COVID-19 emergency. And requesting forbearance on my federally backed VA loan. 
Unfortunately Freedom Mortgage ( loan service provider ) informed me over the phone on XX/XX/2020 XXXX XXXX  that I have to submit various documents to prove to them that I am having a financial crisis. And will not process the forbearance until obtaining documentation. Also that I must pay full sum of the forbearance period within 3 months and implied additional extension up to 6 month is the max extension period. 
This violates the CARES Act
Product: Debt collection

I declare under penalty of periury that the statements herein are true and correct to the best of my knowledge. I certify that I am permitted by FEDERAL and STATE LAW to dispute this alleged debt and commence this complaint. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL I CRIMINAL VIOLATION punishable under 18 U.S. C. 1001. Additionally, any false statements are punishable as perjury under 10 USC 1621. This collection that is being furnished on my consumer report is not related to any transactions that I made. I believe that a person or company- without my authorization- used my personal identifying nonpublic personal information to apply for goods, services, or money deceptively and unlawfully opened this account. Complaints are being filed with the Federal Trade Commission as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

i went to go by a car on XX/XX/20 at XXXX XXXX  and they told me i had a collection with XXXX XXXX  XXXX  # XXXX i have never applied for this loan nor did i ever give permission to anyone else to do so. i have never gain any type of benefits for this account being open no money no goods have i received. Please see attached supporting documents
Product: Debt collection

Received summon papers by Portfolio Recovery associates at my apartment. They left the summons at the door without knocking they only contacted me once by phone. The debt was for balance I could not afford to pay on the XXXX XXXX credit card.
Product: Credit reporting or other personal consumer reports

Dear Capital One Auto Finance, I am writing to formally lodge a complaint regarding the charged-off debt associated with my account, which was charged off on XX/XX/year>2023. In addition, I have not received a release of title or the required 1099-C form for the cancellation of debt, and your company is still attempting to collect on this debt. This situation is in violation of the Fair Credit Reporting Act ( FCRA ) and may be construed as fraudulent conduct.
Product: Money transfer, virtual currency, or money service

Phone was stolen Im XXXX XXXX XXXX my wells account online banking was hacked and {$1000.00} was transferred between accounts using atm withdrawals but I was never refunded
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is trying to trick people into giving up their right to sue them when they go to their website to see if their financial information was compromised by the hack. When customers go to see if their information has been compromised, they give up their right to sue. This is very shady. Please see article below for addtional information " If you do choose to sign up for the credit monitoring service, you must agree to submit any complaints against Equifax to arbitration. You ca n't sue on your own behalf, and you ca n't join a class-action case or benefit from any class-action settlement that Equifax agrees to. '' XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Even though I acknowledge your efforts in addressing some fraudulent entries in my file stemming from purported fraudulent activity, there still remain items that urgently need removal. Again, as a victim of fraud, I hereby request again, the deletion of remaining items from my credit file, which arose from said fraudulent activity. According to FCRA 605B ( 15 U.S.C. 1681c-2 ), you are mandated to expunge any such items no later than 4 business days following XX/XX/XXXX. This issue was previously highlighted in an FTC report and complaint, and I am referencing it once more with the new FTC Report # XXXX. Additionally, the details associated with these items are unfamiliar to me and have been eliminated by other bureaus, casting doubt on their preciseness. This complaint serves as a notice that failure to remove the specified items from my reports may compel me to initiate legal action. My attorney has been informed of my intentions and stands ready to pursue accountability for any deliberate non-compliance. This message constitutes my latest notice to you, requesting the removal of items linked to alleged fraudulent activity : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I used my Citizens XXXX XXXX credit card for the first time to purchase 2 tickets to a show from a website name XXXX XXXX XXXX I tried a few time to order but kept receiving an error msg in red that my home address didnt match the credit card number After making sure I submitted the correct info I called Citizens and stated the problem I was having and to make sure they had my info correct on their end They apprised me everything was correct and advised me there must be a problem with the XXXX XXXXXXXX website I called XXXX  about the problem and they said maybe it was the internet browser I was using So I decided to try another ticket website XXXX XXXX and the purchase went thru with no problem I later realized I was charged {$220.00} from the first website that gave me trouble I never officially authorized that transaction I was told on my end it didnt go through So I am disputing the charge I attached an email that even says I had not purchased the ticket Theres more concerning the ticket I purchased from the other website XXXX XXXX XXXX for {$160.00}. but I will be responsible for that because I did authorize the transaction
Product: Debt collection

I received a letter from Asset Recovery Solutions , LLC dated XX/XX/19. They said that XXXX XXXX XXXX XXXX XXXX XXXX XXXX has purchased an account ending in XXXX from XXXX XXXX Bank and they will be helping to collect the debt. I had within 30 days to dispute it. I never received a letter from XXXX XXXX or XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I responded to Asset Recovery Solutions , LLC with a certified dispute letter dated XX/XX/19. The receipt number is XXXX XXXX XXXX XXXX XXXX. They received it on XX/XX/19 at XXXX. I waited a month for a respond. They ignored my dispute letter and sent another letter dated on XX/XX/19 offering to settle the debt for 79 % of the balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX  XXXX, CA XXXX ; XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$8000.00} ; XXXX XXXX XXXX XXXX Balance : {$2800.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$3000.00} ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting

I asked Experian to remove this old account number XXXX, XXXX XXXX Bank which does not belong to me and it is not attached to another account. Experian has not removed and I am within guidelines to ask for the removal of old accounts.
Product: Credit reporting

On XXXX XXXX, 2010 I did not have an account with XXXX. I check with XXXX and they informed that there are no outstanding issues or invoices on my account. Based on my credit report, XXXX in XXXX, TX - ( XXXX ) XXXX is the collecting agency. I never had any contact with this collecting agency before.
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which are involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. 

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

I, XXXX XXXX, am submitting this complaint without any assistance from any third party. Attached below is my FTC Identity Theft Report and my full complaint. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXX/DOFED accounts opened XXXX/XXXX/2016
Product: Debt collection

On XX/XX/XXXX I was contacted by XXXX XXXX and told the debt was a joint Home Depot account with myself and my husband. I was awaiting a call from my hospital to go in for an XXXX and thought this was a scam as I do not have a Home Depot account. I told the caller I didnt know what he was talking about and hung up. I blocked the number so I could focus on waiting for my hospitals call. 

The man called back and got sent to voicemail. In the voicemail he said XXXX can thank you for putting him in this position and we wish you guys the best of luck come Monday morning. I found the voicemail XX/XX/XXXX and called the company back XX/XX/XXXX and spoke to a different employee. He confirmed it is not a joint account. From my understanding its illegal to lie about me being on the account and his voicemail seemed threatening as well. My husband also said he never spoke to this company and doesnt remember having a Home Depot card so hes unsure if its a valid debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope you can help me with this problem. I have been filing dispute with all 3 credit bureau and I'm getting no where. With Covid going on I understand that things are taking longer but this is not right. I'm trying to clean up my credit and I'm getting the run the around from the bureaus. 
Please help.
Product: Credit card or prepaid card

On XX/XX/2020, I made a significant payment on my citicard. I paid XXXX dollars on a XXXX dollar limit. On XX/XX/XXXX, Citibank reduced my limit to to XXXX dollars resulting in an increase in utilization. I have never made a late payment. After making a good faith effort to pay down this card, they reduced my limit significantly which resulted in an adverse effect on my credit score. On XX/XX/XXXX I asked them to reinstate my credit limit and they declined and would not provide me with a reason. They had me speak to a manager named XXXX from XXXX who barely spoke English and repeatedly said that she had no additional information. This is unbelievably unfair. I deserve an explanation. I deserve to understand why after making a XXXX dollar payment that my credit score was actually adversely impacted. Every person I spoke to could not speak English well  enough to communicate with the consumer.
Product: Debt collection

Today I checked my credit report and discovered this company has placed this collection item on my credit report. I did not receive notice from them and my rights were violated
Product: Student loan

I have about $ XXXX in consolidated loans with Navient. My monthly payment is {$200.00} which covers the interest and very minimal principal. I've been paying for years now with an extra {$100.00} per month going straight to principal and my balance hasn't even gone down {$1000.00} which doesn't seem right. I've contacted them several times and they keep telling me some months interest is higher because there are more days ... They have never once explained to me why they aren't doing simple math as normal banks and other loan servicers due. They are definitely not applying my payments correctly and taking advantage of me. I don't know if it's on purpose or by accident but they have yet to correct their mistake, and I alerted them about 2 years ago. Please help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified Experian about 6 late payments that are incorrectly reported on my consumer credit report several times. However, every time they fail to properly do an investigation and correct the issue. The creditor has stated to me that they have not reported any late payments. How was a proper investigation done as they are required by law to do, when it was submitted on XX/XX/XXXX, and the report was completed and results given to me less than XXXX later on XX/XX/XXXX?
Product: Credit reporting, credit repair services, or other personal consumer reports

I advised the creditor that I requested a review of my credit history with Home Depot, which has been perfect for 3 years with no late payments and as the agent reviewed my account to see if they would increase my credit she neglected to advise me that a new credit inquiry would be processed. I was never asked my permission to run my credit. I assumed as a result that my payment history alone was what was being considered. If I had known then I would have cancelled the request for consideration of an increase of credit. I contacted the credit department after realizing there was a hit against my credit file and they refused to handle this issue accordingly and did not take responsibility for their actions.
Product: Credit reporting, credit repair services, 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  : {$1600.00} XXXX XXXX  XXXX XXXX XXXX  : {$1000.00} XXXX XXXX XXXX XXXX  : {$0.00}
Product: Credit reporting or other personal consumer reports

am filing a complaint against XXXX for failing to property investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX  actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence or a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX  actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation for following credit reportings of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

There two reporting negative from Nelnet which is incorrect. ALL of my student loans are deferred and All consolidated through the US DEPARTMENT OF EDUCATION. I do not owe nelnet they were bought out by the department of education