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

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
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 Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$760.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2600.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$3200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original XXXX : XXXX XXXX XXXX XXXX ) XXXX Balance : {$760.00} XXXXXXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$760.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2600.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3200.00} XXXX XXXX XXXX
Product: Debt collection

On  XXXX   XXXX   2017  m y commonwealth financial systems r eported that owed  XXXX  and I have n't been to the hospital since I was  XXXX   years old I d o n't know why they put it on my credit it made it so low I ca n't do anything I feel like I got scammed please help me dispute this they have not connected with on any phone calls or terms
Product: Debt collection

This company has broke the FCRA and Fair Debt Collection Laws 4 times.

They have called me 30 times a day harassing me. They have threatened me with injury and to take my car by force. They threatened to sue and arrest me. They discussed this with my family trying to guilt family to pay to keep me out of jail and not lose a car for the holidays. XXXX XXXX has many complaints about their abusive and fraudulent tactics! They do not respect the FTC Do Not Call List, nor respect being told to be on the Do Not Call List on phone verbally and via email and certified mail!
Product: Debt collection

I just noticed an account from synchrony Bank from XX/XX/2019 this is identity theft fraud I need this removed from my consumer report IMMEDIATELY
Product: Debt collection

My venmo account was hacked and I was able to regain access to it but it looks like someone sent the person that had my account money. Now the person is requesting it back but I dont have the money since Im not the one that received it.
Product: Checking or savings account

I opened my Bank account at Mechanics bank in XXXX California on XXXX, XXXX XXXX. When I opened my account I signed a form titled XXXX XXXX XXXX XXXXXXXX XXXX ( XX/XX/XXXX ) under the false pretense that any charges on my card would be declined if my account had insufficient funds. I went to my bank today, XX/XX/XXXX to make a deposit. I was informed that my account was closed due to overdraft issues. I have no reason to trust any banks at this point, I am seriously impacted by this deceptive behavior from a financial institution. Please help me.
Product: Debt collection

XXXX keep send different debt collection after me, I 'm a victim of identity theft I already send out paperwork to them befor and still contacting me about this.
Product: Credit card or prepaid card

I have this Amex XXXX XXXX XXXX with Amex. I enrolled their new benefits called entertainment credits and paid my XXXX  streaming service with it. I contacted Amex and confirmed that my purchase in XXXX is qualified and would receive the promised credits soon. As of XX/XX/XXXX, there were two missing credits ( {$5.00} each ) so I opened a case with them ( reference number XXXX ). As of XX/XX/XXXX, I received one of the two missing credits but Amex refused to pay the second missing credit. 
I request them to investigate my XXXX purchase with XXXX but there is no response so far.
Product: Mortgage

We are a call center for a college in Arizona. We have an emergency phone that we are responsible for, and have been receiving numerous robo-calls from Amerisave Mortgage. The call always disconnects when we answer it, and we have called each time to ask them to take our number out of their system. They always tell us that our number is not in their system, yet we continue to receive calls from them, sometimes multiple times a day. 

The calls started on XX/XX/20 at XXXX from XXXX. At that time I personally called and spoke to their customer service department, and was told they would stop calling. Since then they have called our emergency line : XX/XX/20 XXXX from XXXX XX/XX/20 XXXX from XXXX XX/XX/20 XXXX from XXXX XX/XX/20 XXXX from XXXX
Product: Debt collection

Jefferson Capital System has not provided me with a contract that shows I entered an agreement to pay the debt they say I owe them. When I called and spoke to someone they claimed that they could not even pull up the account number they it shows is listed on my account per the credit report. I owe them nothing.
Product: Mortgage

As someone who was doing research on FHA loans for a mortgage I was required to put some basic info in the FHA website to see details. After I had done so I started getting calls and email from people even though I already had a lender lined up. After being contacted by XXXX XXXX from Quicken loans I right away looked up info on them. I replied to her emails saying I was n't interested in working with them and thanked them for the time. After which they sent me more info to try to get me to push forwards with them. I sent her another email saying no. Further to the point her phone number was a dead end and did n't even have a voice mail. About a 1 1/2 weeks later I get a letter in the mail saying they denied me, I never even applied and for all I know they ran my credit, I gave them no permission to do this. Needless to say they are very unprofessional, they lie, and this kinda thing should be illegal. I get it they do n't care how they affect people but buying a home is no small matter and this is just bad business.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to delete these inaccurate items in my file. Thank you. 
XXXX 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 reporting, credit repair services, or other personal consumer reports

In accordance with the fair vredit reporting act XXXX Account # XXXX, has volited my rights. 

15 USC 1681 section 602 states i have right to privacy 15 USC 1681 Section 604 A section 2 : it also states consumer reporting agency can not furnish a account with my written instructions.

15USC 1668B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Money transfer, virtual currency, or money service

XXXX XXXX not include personal informatin rasucgy o. 
your name, account number, address, Social Security number, etc. We may ask for some of this information later, to help the company identify you and your account am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis Nexis Risk Solutions sold my consumer data without consent. They also sold information regarding the bankruptcy case that was listed by them on the consumer report that was not verified or provided to them by XXXX Court or myself. I filed a dispute ( Compliant # XXXX ) on XX/XX/2023 I attached this letter to the complaint for Lexis Nexis to review.

At this point, I am confused as to why Lexis Nexis would ask me to validate information sold by them to all of the credit bureaus. Please shed some light on this request.

This Credit Reporting Bureau ( Lexis Nexis ) is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, but I was not. As the original creditor only, I can validate this debt. I do not validate this debt.

I will only correspond with Lexis Nexis in writing. I am reattaching the bankruptcy letter from the XXXX Court for Lexis Nexis to review and respond. As I have not received any form of communication from Lexis Nexis, I assume they are in agreement that the information they supplied is invalid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously submitted this complaint to which XXXX replied the complaint appeared to have been originated by someone else. XXXX had previously stated they were under no obligation to re-investigate my complaint and this continued obfuscation is a clear indication of their guilt. XXXX has an affirmative obligation to thoroughly investigate a complaint but instead they have aligned themselves with the abusing creditor XXXX XXXX XXXX XXXX. I am asking CFPB to compel XXXX to respond and investigate the matter. Moreover, I demand strict proof of XXXX 's prior contemporaneous investigation into this matter. 

This complaint involves XXXX XXXX XXXX XXXX Account XXXX. This account is found on my XXXX Credit Report. I am disputing the accuracy and legitimacy of this account charges. When these charges initially surfaced, I contacted XXXX and reported the charges fraudulent. The largest of the largest charges, I was able to track to a furniture store who provided me a copy of the signed document receipt. They provided information that an older female signed the invoice and the delivery address was not my address nor was it an address I had ever lived. I provided XXXX this information and subsequently, I provided XXXX all local Police Reports, and Federal Identity Theft Task Force reports of the identity theft and fraudulent use of the card. I provided XXXX the report from the U.S. Department of State as well as the Office of Personnel Management advising both me and my husband that we had been victim of a breach and that our information had been identified in use on the dark web. As a direct result, XXXX refused to conduct a comprehensive, reliable investigation in a timely manner that would have allowed the individuals responsible to be brought to justice. Instead, I was repeatedly told " our investigation does not indicate fraud. '' When asked to provide strict proof of their investigation and findings, I was met with hostility. I have been pursuing this matter now for over five years, to no avail. CREDIT CARD and CREDIT REPORTING AGENCIES have an affirmative obligation to Investigate Consumer Credit Report Disputes in a timely fashion and to provide the results of those investigations. XXXX and XXXX XXXX have failed to do either. The other two credit bureaus, Equifax and XXXX have removed this account, with prejudice, from my credit report. A second matter is related to a bankruptcy, XXXX filed XX/XX/XXXX. The filing is subject to a mandatory removal XX/XX/XXXX. I have repeatedly disputed this reporting based upon the fact the bankruptcy court dismissed the case without any discharge and that all creditors were paid satisfactorily. While your position is that XXXX XXXX reserves the right and ability to report the information for ten years, you have no statutory obligation to do so. I continue to labor under the reporting of this bankruptcy and it has a major impact on my credit report and FICO Score. I am asking respectfully that you remove this bankruptcy from my credit report early and allow me to move forward in the current dire circumstance.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX Account number : XXXX, Account name : XXXX XXXX XXXX XXXX  XXXX A Account number : XXXX, Account name : MD XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX, Account name XXXX XXXX XXXXccount number : XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account Name : XXXX Account XXXX : XXXX, Account name XXXX XXXX XXXX  Account number : XXXX, & Account name : XXXX  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 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: Debt collection

I have attempted numerous times to get this company to send me notification of debt with detailed list of fees. So I know exactly what I am paying and why. They flat out refuse to send any notification. But have put on my credit report twice I am past due but never have they send any late notices to me at my address. I thought it was a law against collecting debt that notice was never sent out on I may be mistaken. I have attempted again this week for the 3rd time to send a letter with a small payment to please send detailed statement of charges owed. They tell me to visit a local branch but the branch is not competent they are the ones who stopping sending notifications in the first place. This company is retaliating against me because I have filed several complaints against them. I think they are refusing to comply out of retaliation. All I want is a detailed billing statement a copy of my original loan documents. And any associated paper work. So I can pay what they claim I owe. I can not pay anything I do not have paperwork for it makes no sense why they will not comply with my request. I filed 2 complaints with Better Business Bureau they will not attempt to assist me any further. Because my complaint is duplicate. Also in addition they have put the same information twice on my credit report within one month. I am filing paperwork with all three credit bureaus on that. But if you can please help me with this request. I do not know who to go to at this point. This company is fraudulent they say I started a loan with them this year, but this loan has been going for years. I have canceled copies of checks to prove that as well.
Product: Mortgage

On XX/XX/2022 I applied for a refinancing of my home in person at 5th 3rd bank. On XX/XX/XXXX, I had all documents requested in to the contact person at the bank. Since that date they have requested multiple documents including sending me to the local county recorder to record documents costing almost {$60.00}. My complaint is less about paying this fee but more about still no closing date. Through the attorney general office complaint I sent, I was contacted by this companies " presidents office '' to try to find out what is holding up closing. That was XXXX weeks ago. Today is XX/XX/2022 and I still have no information as to when closing will be. Since they have not processed this refi timely, they had to request my monthly income for the XXXX time and now are running my credit yet again since the timeframe has passed. No one can tell me why this is taking so long. My credit is excellent. It is not that I don't qualify. I've bought several homes and done several refi 's and never experienced this blatant incompetence. The decision to refi was due to the fact that interest rates would start rising. On XX/XX/2022 I asked that it be locked in. I can't even get an answer from them that it is locked in. Even the presidents office ( XXXX Ohio ) can't seem to move this along. I was promise no longer than 90 days. Per them usually 60days for what they call an " XXXX XXXX ''. Its now 120 days. It seems they are not motivated to do anything. I received multiple mass mailings and emails from this bank advertising a refi special for existing mortgage holders of only {$290.00} in closing costs. The truth in lending form indicates over a XXXX in closing costs. Between the " loan XXXX '' who communicates through email and the brick and mortar representatives, it is becoming clear something is seriously wrong with this companies " retail refi process ''. I can't start over with someone else because the interest rate now would be higher than the one I have now. I feel very abused in this situation. Can you help me?
Product: Checking or savings account

On XX/XX/2024my husband went to PNC Bank to deposit two checks from The Dept of Labor into our joint account. One for {$1400.00} and the other for {$790.00}. The bank rep asked if he would possibly want to open his own personal account and which my husband agreed. He advised the bank rep that he wanted the check for {$1400.00} deposited into his new personal account and to split the check for {$790.00} ( {$300.00} to joint account and the balance {$490.00} to his personal account ). He also advised the bank rep that the checks were for deposit only. On XX/XX/2024 I received an email notification that the joint account was overdrawn. When I checked the joint account, it showed that the two checks were rejected. Ironically enough my husband 's personal account had a balance of {$1900.00} and I could see the {$300.00} credited to the joint account. I was very confused as to why my joint account is now - {$2100.00}. My husband immediately went to the PNC Bank branch and the only thing they kept telling him is that the checks were rejected, and he needed to contact the " maker. '' I also went to the branch and was basically given the same explanation and they could not provide me with any information. I contacted customer service between XX/XX/2024 - XX/XX/2024, I spoke with XXXX and also XXXX. I went to another branch looking for answers and was given the same answer that I needed to contact the maker. In the meantime, my husband had contacted The Dept of Labor, and they advised him that they did not reject any checks and we had to talk to PNC Bank. We kept getting nowhere with PNC Bank. My husband contacted the corporate office of PNC Bank who advised him that XXXX XXXX, whom the check is drawn off of, had rejected the checks. Once we received the returned checks in the mail, we immediately went to a XXXX XXXX branch on XX/XX/2024. Spoke to a bank rep ( XXXX ) who advised that XXXX did not reject the checks. The bank rep even checked the account in which the checks were issued, and he saw where the checks were paid. I am frustrated and confused and really don't know what else I can do. PNC Bank is holding me and my husband responsible for a {$2100.00} debt and I need to know why.
Product: Debt collection

I have been violated by GS Bank on XX/XX/2021. I am a victim of identity theft and did not give permission to anyone for assumed access to my information.I know my rights and am protected under the following laws by the United States Court of Law : 15 U.S. Code 1640 15 U.S. Code 1681n 15 U.S. Code 1691 15 U.S. Code 1692c Please have these inquiries removed from my credit report.
Product: Money transfers

Signed an agreement to sell 10 weeks of our timeshare through a realtor and a title company in XXXX, CO. The buyer was in XXXX. We were told we needed to be registered in XXXX in order to conduct business there. I wired {$2400.00} to a bank in XXXX. I just learned that the whole thing is a scam. Both of the companies in XXXX use fake addresses, etc. Any way to recoup the {$2400.00}? Thank you.
Product: Debt collection

Caller : Portfolio Recovery is calling people that they have stolen personal info on and old Bankruptcy accounts older than 7 years and threatening people that they still owe the monies and they will ruin my credit they are a Debt collector and stealing my private info to do illegal stalking and harassment XXXX from XXXX IL- I also have about 1000+ calls form other offices and states and they have called 3 to 4 times a day to once a day for the last 10 yeas
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
US DEPT ED XXXX Balance Owed : {$2300.00} US DEPT ED XXXX Balance Owed : {$10000.00} US DEPT ED XXXX Balance Owed : {$7200.00} XXXX XXXX XXXX  Balance Owed : {$1400.00} DPT EDXXXX XXXX Balance Owed : {$4800.00XXXX XXXX XXXX Balance Owed : {$9000.00} XXXX XXXXXXXX Balance Owed : {$8300.00} US DEPT ED XXXX Balance Owed : {$7500.00} US DEPT ED XXXX Balance Owed : {$10000.00} US DEPT ED XXXX Balance Owed : {$29000.00} US DEPT ED XXXX Balance Owed : {$22000.00} US DEPT ED XXXX Balance Owed : {$28000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I initiated a CFPB case involving several challenges with Nationstar mortgage company and their practices. The issues that I communicated were eventually resolved ONLY after contacting CFPB. The mortgage company did admit to several errors on their part and fixed the multiple issues to my satisfaction. Due to the complexity and longevity of the issues with the mortgage company, I waited for the dust to settle before I contacted them back to align them fixing the errors with fixing my credit report that still contained incorrect data from their errors. The letter that they sent me on XX/XX/XXXX spelled out the months ( XX/XX/XXXX - XX/XX/XXXX ) where the error occurred and timeframe that this issue was active. Since then, I have contacted them and requested that they update my credit report for the duration that I 've had to deal with this issue and they have n't done so to date. For reference, the initial CFPB case number is XXXX.
Product: Credit reporting or other personal consumer reports

I thoroughly reviewed my credit reports, I spotted some inaccurate information that needs reporting and correction through your company. The Bureau clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n.