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

According to the Fair Credit Reporting Act, 15 United States Code 1681 Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. In accordance with the Fair Credit Reporting Act, my rights have been violated. 15 United States Code 1681 section 602 : states I have the right to privacy. 15 United States Code 1681 Section 604 Part 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 15 United States Code 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 



I'm requesting Debt validation with United States XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX # XXXX : 1. A copy of the original contract with MY SIGNATURE for the debt listed below.

2. Full payment history from original creditor 3. The name and address of the original creditor 4. Proof that you now own or assigned the debt to collections I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the Fair Credit Reporting Act, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. You have NOT provided me a copy of ANY original documentation required under 15 United States Code 1681 Section 609 ( a ) ( 1 ) ( A ) & 15 United States Code 1681 Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and 15 United States Code 1681 Section 611 ( 5 ) ( A ) of the Fair Credit Reporting Act you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance 15 United States Code 1681 Section 617 if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the Fair Credit Reporting Act. 



I demand the following accounts be verified or deleted immediately. Account Account Number Provide Physical Verification United States XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX # XXXX Please remove all non-account holding inquiries over 180 days old. 



Please add a XXXX Suppression to my credit file. 



Thank You, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I NEGOTIATED WITH THE COMPANY XXXX XXXX TO DISMANTLE THE CAR IN EXCHANGE FOR NOT DAMAGE MY REPORT AND THEY DID NOT AGREE AND THEN They took my car in XXXX because I couldn't continue paying due to the pandemic, I had already paid a total of XXXX XXXX dollars, now I am without credit without my XXXX XXXX dollars and without a car. It's not fair that they have the money in the car and still have damage to my credit. 

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT XXXX ... 
HAS VIOLATED MY RIHT. 
15 U.S.C 1681 SECTION 602 A. STATES I HAVE RIGHT TO PRIVACY.
Product: Credit card or prepaid card

Hello, I set up an automatic payment plan with Wells Fargo XXXX XXXX XXXX account ) and made the payment larger than the minimum payment due. I noticed I had a late payment the first statement. I wondered ho this happened since I set up auto pay. I called and a rep refunded the fee of XXXX. I looked at my new bill and saw a {$40.00} fee. I called and they said it was because my bank rejected the payment. I saw that instead of taking out {$150.00} on the due date, there was a XXXX payment that was taken out on the XXXX of XXXX Then there was a payment for XXXX on the XXXX of XXXX Then there was a returned payment fee of XXXX on the XXXX which baffled me because on the summary of account activity, it shows the payment of XXXX. I have more than enough in the bank to pay this bill and only had the line of credit opened in order to build credit, but am mad at myself for doing business with XXXX because I had a horrible past experience. 
When I called XXXX, I was told it was my bank 's fault and I needed to call them. It appears that Wells Fargo is back to it's past practices of scamming myself and millions of others out of their money. 
I paid off the account immediately due to my disgust and closed it but omitted the XXXX fee. I told them I am NOT going to pay this and I am going to have them investigated.
Product: Credit reporting or other personal consumer reports

Please remove fraudulent information from my Experian credit report such as this address or any accounts that are associated with this address : ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) thank you
Product: Mortgage

I have a mortgage with ShellPoint Servicing and it has PMI. Now that the house prices have gone up, i requested them for PMI cancellation. They sent me a form to sign which also forced me to sign for appraisal at my cost. After all these, now, they say, the PMI can only be removed based on original Loan Amount, and not the current appraised value. My compaints, 1. They didnt tell me this earlier, 2. When they knew this, why did they ask me to sign for Appraisal, 3. they charged me for appraisal. 4. they dont give me the PMI requirements clearly in writing.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a dispute concerning the accuracy of certain information reported to my credit file. I have previously submitted disputes directly to the relevant creditors in XXXX and XXXX of 2024. However, I have not received satisfactory resolutions, and I seek your assistance in addressing these matters. 

Specifically, the issues involve XXXX closed accounts and a recent hard inquiry. Below are the details : XXXX. XXXX Autos Account Status : Closed Dispute Sent : XX/XX/year> Issue : The account is reported as closed, but I have reason to believe that the reporting does not accurately reflect the status of this account. 

XXXX. Self/South State Bank Account Status : Closed Dispute Sent : XX/XX/year> Issue : The account is inaccurately reported as closed or settled, and I believe there is an error regarding the balance and status. 

XXXX. Defense Finance Account Status : Closed Dispute Sent : XX/XX/year> Issue : This account was marked as closed, but I dispute the balance and reporting associated with it. 

XXXX. XXXX XXXX XXXX XXXX 
Account Status : Closed Dispute Sent : XX/XX/year> Issue : The account is reported as closed, but I dispute the accuracy of this entry. 

Additionally, I have noticed an unauthorized hard inquiry from XXXX XXXX on XX/XX/year>, which I do not recognize or consented to. This inquiry is incorrectly affecting my credit score and I request that it be thoroughly investigated. 

I respectfully request that the CFPB investigate these matters and take appropriate action to ensure that all reported information is accurate and in compliance with the Fair Credit Reporting Act ( FCRA ). 

Thank you for your attention to this matter. I look forward to your prompt resolution.
Product: Debt collection

I will need to file at least four of these complaints. I was in a car accident on XX/XX/year> where the other party was at fault. Each time I have been to the doctor or seen by a specialist. I have informed each that I was in the accident, however, they take my information, even when I provide the other parties carrier information. For this bill or collection notice, I did not even receive any notice saying I owed {$480.00} just the notice saying I have been sent to collections. I have hired an attorney to handle the accident, I have been informed that the other party is refusing at this time to pay any of my medical bills apparently due to the lawyer being involved. So, my car insurance and health insurance has had to pay out. However, both have been exhausted. I do not feel like I should be penalized for this when it was not my fault, and the other party is refusing to pay at this time. I realize the companies need their money but that requires me as a single mom paying out of pocket for a medical bill that was not even my fault. I have tried to contact most of these creditors ( however this collection notice is completely new, so I wasn't able to even try to resolve this before being sent to collections ) and only get that they do not get involved with accidents, and it still falls on me or my credit will be affected. I do not need my credit damaged ; I have been working hard to build it up. 

Date of Service is XX/XX/year> *date of accident*
Product: Money transfer, virtual currency, or money service

Hi, I have complain on Paypal, they banned my account ( XXXX ) without any reason, I know that my account is complying with all the rules and regulation of paypal, then suddenly they just banned it today ( XX/XX/2023 ). I already contacted paypal it is still on review and I want a help from you guys to have my account restored since I badly need it for my work and business. 

I still have XXXX $ funds that is still on hold in my account and can only be withdrawn after 180 days. Please help me restore my account. It's very hard to reach out to paypal so I am reaching out to you to help me with my problem. 

My paypal account was registered on my employer 's ( I am a freelance ) and some of my customers ( worldwide ) sending their payment on my paypal account. I can't afford to lose my account since it is very important this is where I get my money from. Most of my transaction is within paypal. I 100 % sure that I am obeying all the rules and didn't ruin any rules and regulation of paypal. 

My account information Paypal Email : XXXX Paypal Phone Number : XXXX Full Name : XXXX XXXX XXXX Location : XXXX Please help me to resolve my issue, your prompt response would be appreciated. Again thank you Best regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 credit bureaus show credit inquiries from XXXX XXXX XXXX which I have contacted all 3 agencies several times reporting this fraudulent inquiries. My credit reports should not contain any inquiries. My ex husband is using my name and I have reported it to All government agencies. Please remove these credit Inquires off my report as they are fraud.
Product: Credit card

The Navy Federal Credit Union removed funds from my children 's savings accounts to pay a late credit card bill. This happened once before, several years ago. At that time I contacted NFCU and they told me that the accounts were joint accounts and to prevent this from happening again I needed to convert them to custodial accounts. They sent me the paperwork, I filled it out, sent it in and thought the problem was resolved. However, they did it again. We were late with our XXXX bill and they took the payment from my children 's accounts. I thought this was illegal. I feel taking my children 's money without their permission to settle my debt is a form of theft.
Product: Debt collection

Original Creditor XXXX XXXX XXXX XXXX : Southwest Credit Systems Balanced Owed {$620.00} Date Opened XX/XX/2021 This collection does not belong to me. My father and I have the same name and his information has crossed referenced with my information and it has caused issues with me verifying my identity.
Product: Debt collection

I have never received anything from this company about debt, and furthermore this debt on my credit is a HIPPA violation!!!!
Product: Debt collection

I am filing a formal complaint against IC System regarding a fraudulent collection account in the amount of {$470.00} from XXXX XXXX associated with account number XXXX. This collection account does not belong to me, and I am demanding its immediate removal from my credit report. 

Key Issues : This Is Not My Debt The Bill Belongs to a Different Person I have been living at my current address for over five years, and this bill belongs to the person who moved in after me, not me. 
IC System failed to properly verify that I was responsible for this debt before reporting it to the credit bureaus. 
Reporting a debt that does not belong to me is a clear violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
Violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Credit furnishers are prohibited from reporting inaccurate information about a consumer. 
IC System has wrongfully placed a collection account on my credit report without confirming that the debt is truly mine. 
Failure to Conduct Proper Debt Verification Violation of 15 U.S.C. 1692g ( FDCPA ) Under the Fair Debt Collection Practices Act ( FDCPA ), debt collectors must provide proper validation of a debt when disputed. 
IC System has failed to prove that I am legally responsible for this debt. 
Potential Identity Theft Willingness to File a Police Report or Identity Theft Affidavit If necessary, I am prepared to file a police report and complete an identity theft affidavit to document that this debt is fraudulent and should not be associated with me. 
IC System must immediately remove this account from all three credit bureaus while this matter is being investigated.
Product: Debt collection

I moved and could not receive XXXX-internet service in my new address. I continued with the XXXX XXXX service and discontinued my services with the Internet. However, XXXX-internet services were not canceled and they continued charging it on my XXXX account. I was not aware of these charges until I was reviewing my account. They charged me for approximately 8 months at {$60.00} a month and on top of that also charged my interest and late fees. I have spoken to their representative who continues to tell me that XXXX reimburse me ( false ) and that I had to pay them {$470.00}. This is extremely unfair and unjust, I do not owe them anything and in fact, they awe me for charging me fee for no service. As they continue to state that I owe them money, I was and am still up to date on my XXXX XXXX  bill, ( of which was combined with internet service ). 

In short, I am owed {$480.00} plus all the late fees and misc charges to my account. The representative admitted they owed me money, but that is when they hang up on me. I have called several times and have put on hold and transferred around. This is frustrating, I am attaching my last statement from XXXX XXXX XXXX for account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My family tried to purchase a new cell phone plan on XX/XX/XXXX. In XXXX, I had placed a security freeze on my account with Experian due to my personal information being compromised by a data breach when I worked at the XXXX. When I tried to purchase the new cell phone plan, I was informed that Experian would not let it go through due to the security freeze. 

Since I could not reach a human, I went online to temporarily remove the security freeze. Allegedly, Experian removed the freeze and provided me with a print out that it had been removed. When I returned to XXXX to continue the process, I learned that Experian had not removed the freeze and my purchase was voided. Again, at the cell phone store, I tried to call Experian several times without success at XXXX ( the number they publish to remove a security freeze. ) I went home to call Experian ; but could NOT reach a human representative. Its recording took me around and around with absolutely no access to a human being. I tried every number linked to Experian online and none would provide access to a person. In response, I again tried to have the freeze removed online and again Experian on line informed me that it had been removed. I returned to XXXX on XX/XX/XXXX to resume the process. Again, I was informed that Experian blocked the intended purchase due to my account being frozen. XXXX attempted to get through to Experian but could not. 

After multiple times to reach Experian, I tried to have my freeze temporarily removed on line. Experian reportedly did. I have another print out to prove the freeze was supposedly released. I went back to XXXX on XX/XX/XXXX and found the same result : Experian blocked the sale since it still had my account frozen. 

As a result of Experian 's incompetency and the inability to talk in person with a human representative, I lost the proposed plan which included two new cell phones, {$450.00} in credits, a military service discount all totaling over {$1500.00}. 

I tried multiple times to resolve this issue which could have been easily remedied if a person was available to address it. However, Experian has made it impossible to reach a human being. They are not serving the American consumer and should be held accountable for the problems and aggravations they are inflicting on consumers for something as simple as purchasing cell phones.
Product: Credit reporting or other personal consumer reports

I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX XXXX XXXX and I am pleading with you to remove them immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reference Number XXXX Date Filed XXXX. XXXX, XXXX  Classification Bankruptcy Type XXXX  XXXX Bankruptcy Responsibility Individual I did not file this bankruptcy. I have never lived at the address attached to the bankruptcy and the DOB is incorrect. Ive asked over five times in writing to be PROVIDED PROOF OF VALIDATION and and yet to receive it. However this is illegally reporting hurting my overall credit score
Product: Debt collection

My identity was compromise. Several charge accounts loans was attempted to open under my name, Social Security number and drivers license. Some of them were successful and some of them would not. Ive been trying to get those account resolved by filing a police report and contacted the creditors to investigate into contact the credit bureaus to remove those fraudulent accounts that they are reporting, but nothing has been done but instead I keep getting harassed by the collectors about money I do not owe them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed to bureaus that child support contract was cancelled. They're still reporting it negative as closed in XXXX  and last paid in XXXXplz help..this is hurting me badly with frustration, undue stress, and negative credit worthiness..Thanx
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.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, 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. 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.
Product: Money transfer, virtual currency, or money service

XXXX Attempted to initiate a wire transfer from PNC Bank to XXXX XXXX XXXX XXXX. 
The PNC wire transfer department went through a complicated process to verify my identity. 

XXXX PNC called to say that wire transfer was delayed because of a problem with the information on the wire transfer form. I resubmitted the wire transfer form through a secure email. 
Later that day, they said we have to submit the wire transfer form through online banking. We tried to set up online banking, but PNC said we need a PIN number. We applied for the PIN number. 

XXXX I called an found out that PNC cancelled the wire transfer because we did not send the secure message through online banking. I never received the PIN in the mail, and we found out that PNC sent the PIN to the wrong address. PNC refused to help us and to send the PIN to the correct address. We are out of State, and the branch can not help us over the phone. 

I think PNC Bank should be more sensitive in this time of Covid-19,  in particular. No one will help us. Please submit our complaint, and I will also submit a complaint to the Michigan Attorney General 's office. Thank you. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect personal information on my credit report. ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX I XXXX, XXXX XXXX XXXX XXXX XXXX GA, XXXX, XXXX XXXX XXXX XXXX NY XXXX XXXX, XXXX XXXX XXXX XXXX XXXX GA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX, XXXX XXXX XXXX XXXX XXXX GA, XXXX, XXXX XXXX XXXX XXXX GA XXXX XXXX, XXXX XXXX XXXX PL XXXX GA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX, XXXX XXXX XXXX XXXX **, ( XXXX ) XXXX, ( XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX illegally and continues to break all fair crediting acts they were served with the season desist to where they couldn't sell my credit to anyone they couldn't sell the debt to anyone this car was not mine to begin with I was authorized user and I never use the card and they know it it was from my deceased Aunt the account was opened up XX/XX/XXXX of 2024 that's the first time that it showed up on my credit report with TransUnion we are now in XXXX of 2024 by the Fair crediting act they can not have this on my credit history and 2024 this is over XXXX XXXX XXXX this is illegal and they know it they've been contacting more than a hundred times in the last XXXX XXXX to remove this from my credit report and I want all negative remarks from this company removed from my credit report now
Product: Credit reporting or other personal consumer reports

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 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 USA 1681. The accounts below have violated mi rights. 15 u.s.e 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 tem of information, other than records of convictions of crimes which antedates the report by more than seven ycars. 15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furish 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 inaceurate. 
Delete the Iquiries below : XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> 2024
Product: Credit reporting or other personal consumer reports

I was reviewing my credit profile and noticed some inquiries that do not belong to me