23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Dear Gentlemen, the XX/XX/XXXX I went to the PNCBANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX. 
I canceled my acount completely with the help of Mr. XXXX XXXX email : XXXX. 

The XX/XX/XXXX the Estimated amount of {$3000.00} suposely has been transfered to my account in the XXXX XXXX XXXX XXXX but uptill now I have not received the money. 

XXXX : XXXX XXXX ( XXXX. 
Client Identifacation : XXXX ID Type : Passport Client Phone : XXXX XXXX Reference Number : XXXX at XX/XX/2018 My name is XXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX . 

I wrote an email to Mr. XXXX XXXX XXXX So far not any answer!! 
I called the headoffice XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX They cant help me since its not possible for them to trace my expected amount of {$3000.00}. 

I kindly request you to help me out with this unfortunate metter, since the PNC BANK XXXX does not give me any answer. 

Awaiting for your answer due to this case I send you my kind regards, XXXX XXXX XXXX
Product: Credit card

JPMCB Credit Card Company at XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX is reporting on my credit report in the amount of {$6500.00}. According to IRS regulations 6050 P accounts over {$600.00} that are written off charged off are required to issue a 1099 C. Income is not reported on credit reports. Please provide 1099 C so I can pay taxes to the IRS.
Product: Debt collection

The collector They lie to me they tell me that we're going to take this off because is to old the account an still in my credit
Product: Vehicle loan or lease

Nissan sent a debt for personal property taxes to collections without ever sending me an invoice or bill of any kind or attempting to reach me prior about this outstanding debt. I have paid the debt in full now but I do not want this to be something that shows up on my credit report later on.
Product: Debt collection

XXXX XX/XX/year> {$21000.00} They kept contracting about a debt i don't not own, nor know nothing about, I reach out to resolve this debt, XXXX  have sent a bill with a address I never lived before, I come again to ask you guys to removed this debt please and thank you.
Product: Mortgage

On XX/XX/2018, I was contacted by Chicago Title because two real estate transactions, both selling my home and purchasing a new home was taking place the next day on XX/XX/XXXX. Chicago Title failed to discover a lien on my property from XXXX XXXX, a bank I had a 2nd mortgage with prior. During a Chapter XXXX Bankruptcy, some 8 years before, the debt was discharged but the lien remained. Chicago Title came up with a solution to their oversight and that was to hold back $ XXXX from the sale of my property, which remains in escrow today, almost a year later. They also had me sign a performance lien and attached it to my new property. As you can see from the attached document, they had me sign it the night before closing and I had no time to review with anyone and was told I had to sign or face multiple lawsuits from my buyer and my seller. I felt I signed under duress and felt it should have been Chicago Title 's professional responsibility to discover this lien earlier. If you click on the hyperlink on the document, you will see the performance lien.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit 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 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 odverse item of information, other than records of convictions of crimes which antedates the report by more than seven 15 U.S.C. 16815-2 ( 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I tried to deposit XXXX USD at the bank ATM and after that ATM got the money. I waited a few minutes. ATM gave error and asked me to call call center. I have receipt but my account was not updated. I claimed and they said that the transaction ( s ) was processed according to the information you provided. I asked them to check camera footages but they didnt say anything. If they check cameras, they will see that i did not get any money back. ATM got my money and did not update my checking account.
Product: Credit reporting or other personal consumer reports

I obtained my credit report in XX/XX/year> and was shocked to see an account from XXXX XXXX XXXX XXXX about a balance of {$4900.00}. I do not owe them and they never responded to my multiple requests. I had a vehicle with them and that vehicle was fully paid off after a XXXX XXXX. There was a zero balance when that account was closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX, XXXX. XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.
Product: Prepaid card

I bought XXXX XXXX dollar AMEX egift cards on XX/XX/year>XXXX  and XX/XX/year>XXXX  totaling to XXXX dollars. I have tried using them on countless websites and none of them were able to accept the AMEX gift cards. I have done research on where I can use these cards and have found that many are going through the same issues I am. The places that do accept the gift cards are places I would not want to spend my money at. I would like to be able to spend the money however way I want. When reached out to the company, I was told that there was nothing that they can do and that I just need to spend it at places that accepts it. There isn't any places!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never did business with these companies & there reporting on my credit profile. This is causing great finical harm and want these accounts deleted from my profile immediately. My personal information is inaccurate and has been used with out my permission. XXXX, XXXX, XXXX  is not my name & XXXX XXXX XXXX XXXX XXXX XXXX is not my name. my only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX is not my address, XXXX XXXX XXXX XXXX  XXXX XXXX FL XXXX is not my address XXXX XXXX XXXXT XXXX FL XXXX & XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX FL XXXX is not my address ( my employment is not XXXX XXXX OR XXXX XXXX XXXX  these companies I have never done business with XXXX XXXX XXXXXXXX XXXX XXXX XXXX, AND XXXXXXXX XXXX XXXX XXXX XXXX  my request is the you delete and remove this errors from my credit profile immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am victim of identity thief I have fraudulent inquiries on my credit report for credit I do n't apply for XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Att XXXX XXXX XXXX XXXX auto XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wfds XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX auto XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Now com XXXX XXXX Srng XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/year> XXXX am I received a message from Sezzle about my payment has failed. I have been addressed a fail payment fee. Because the payment failed before XXXX. 
Why are you charging people a failed payment fee the same day your system runs the card. 

Shouldnt you have the day to pay the balance before the a failed payment fee be applied? 

I dont get paid until the afternoon. The company is setting up people to fail and charging unnecessary charges. I can see if it was over XXXX hours but its not.
Product: Credit card or prepaid card

American Express said I had a bill still owing {$2.00}. Was opened up on XX/XX/2015. This is not mine at all. I couldnt even get an American Express card. Now they are using my name, social and everything. I want it off
Product: Vehicle loan or lease

Ford Credit sent information to this XXXX/customers personal financial banking institution that resulted in a halt of funds for the required agreed upon monthly payment. During this time, this customer, went to the Ford Credit website to apply payment. This customer paid according to the displayed due balance listed on Ford Credits website. This resulted in an unpaid portion of {$29.00}. Notification to this consumer of the unpaid balance did not reside, however, a 30 day late status was reported to all 3 credit bureaus. 

Previous to this experience, this writer, frequently submitted payments over the agreed to amount/balance due, so seeing a change in the amount due was not uncommon. 

This customer has written a letter, including the facts above, to Ford Credit.

Correspondence was received from Ford Credit by the writer. Ford Credit disputed this customer paying via their personal autopay financial institution. This is simply not true. 

The unpaid {$29.00} was an oversight resulting from the Ford website  reporting a balance that differentiated from the ebill. This writer has taken screenshots of the error as it has happened again following the date of the stated grevience. 

This XXXX/customer has reached out to Ford Credits customer service with no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Credit Report by XXXX and noticed a 30 day late payment on my Discover Card account from XX/XX/XXXX - XX/XX/XXXX. In XX/XX/XXXX I entered into a Credit Counseling program which was approved by Discover Card. All payments since entering into the program have been paid as agreed. I submitted a Dispute with XXXX on XX/XX/XXXX and it was completed on XX/XX/XXXX. While there was an update on my account, the 5 months of delinquency were not removed from the account. I contacted Discover on XX/XX/XXXX and was told that the account had a missed payment in the transition period XX/XX/XXXX and I did not become current until XX/XX/XXXX. While I can understand a one month penalty for XX/XX/XXXX missed payment, I believe Discover Card should clear my record to accurately reflect that I have paid on time as required for XX/XX/XXXX - XX/XX/XXXX since entering the program. No other credit card company reported any delinquency on any of my accounts.
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 Account Number : XXXX Account Name : SECURITY FIN Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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 an 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: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, and XXXX credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX opened on XX/XX/XXXX under the account number XXXX, a utility account opened at XXXX XXXX opened on XX/XX/XXXX account number XXXX, XXXX and XXXX opened on XX/XX/XXXX account number XXXX. These hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Consumer Loan

I disputed my auto loan account, Santander Consumer USA ( XXXX ) with XXXX, XXXX, and XXXX due to the fact that the status updated is reporting inaccurately ( XX/XX/2016 ). I have also reached out to Santander in regards to this matter. Santander has failed to correct the inaccurate information reported on my credit file which is a violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX account is showing late payments on a closed account. Why am I seeing years of late payments after the close date? Its not possible to be late on a closed account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

Section 616 and Section 617 provide me with remedy which Im about to seek. You are willful noncomplying with the FCRA. 

Since you claim youve verified the account ( s ) listed below I wanted to confirm my thoughts and contacted the companies directly. Not one of them provided me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

XXXX XXXX XXXX ACCOUNT # XXXX this company sent me a validation of debt with proof that they are reporting inaccurate and incomplete information to different credit bureau. The credit bureaus they are reporting to all have different inaccurate and incomplete information. 
In accordance with the Fair Credit Reporting Act this creditor has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Unless the creditor has adopted it reasonable procedures designed to ensure that each periodic statement including information required by ( Section 1637 ( b ) ) Is mail or delivered to the consumer not later than 21 days before payment due date. There are certain clear and conspicuous disclosures that this creditor was supposed to provide me with 21 days prior to my statement due date that I didn't receive which is a violation of 15 US code 1666b.

This creditor is in violation of 15 US code 1692J for furnishing certain deceptive forms creating a false belief into consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to allegedly owes such creditor, when in fact such person is not so participating. Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under ( Section 1692 K ) For failure to comply with a provision of this subchapter.
Product: Credit reporting or other personal consumer reports

I have account reporting on my Equifax file that is inconsistent with the FCRA 15USC Code 1681. My data was exposed in the Equifax data breach. These accounts should not be listed on my credit file.
Product: Debt collection

XXXX XXXX, Oliphant USA , LLCXXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX ( XXXX ) XXXX is reporting a debt that I do not owe in the amount of {$5600.00} on the consumer credit bureaus. I have made several attempts by phone and mail to get them to remove this negative information, since they are no longer the current collector on this account and I settled this matter with the original creditor and their representative. Oliphant does not have the authority to collect this debt, and refuses to remove this derogatory information from the CRA 's. This is negatively effecting me as I am a XXXX XXXX  trying to use my VA benefits to purchase a home and this information is heavily impacting my credit score. Please assist with having this removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

HELLO I AM A VICTIM OF IDENTITY THEFT PLEASE REMOVE ALL FRAUDULENT INQUIRIES FROM MY CREDIT REPORT HERE I LEAVE IDENTITY THEFT GURDAR ON MY CREDIT REPORT
Product: Mortgage

I have been trying to work with Wells Fargo in regards to a loan modification : But, before you can be reviewed you have to pass their " ReEntry team ''. This team decides whether or not you should ; d be reviewed for a loan modification. If they say " you are not worthy of a review '' they deny your request, and you do not have an option of an appeal process. They violate your " Home Owner XXXX '' by not reviewing your file. I just want to save my home.
Product: Credit reporting or other personal consumer reports

I found out that I was a victim of identity theft while filing my 2023 tax return. After checking my credit report I discovered several accounts that I did not open. I have disputed these accounts through all the credit bureaus. I am now awaiting a response to their investigations. Also having the resolved disputes removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX  XXXX XXXX Balance : {$220.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$43.00} Date Opened : XX/XX/XXXX XXXX XXXX  XXXX Balance : {$70.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$460.00} XXXX XXXX XXXX Balance : {$3100.00} ( Original Creditor : XXXX ) XXXX Balance : {$200.00} ( Original Creditor : ) XXXX : {$97.00} ( Original Creditor : ) XXXX Balance : {$370.00}
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Experian will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX  Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit reporting act XXXX XXXX account # XXXX and XXXX  account # 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 an account without my written instructions. 


XXXX XXXX  - Open balance {$710.00} Collection Account number : XXXX Date opened- XX/XX/XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX phone : ( XXXX ) XXXX XXXX  - Open balance {$390.00} Collection Account numberXXXX Date opened- XX/XX/XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Phone : ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Continuing to report false inaccurate information. and refuse to correct, inaccurate total amount owed between CRA 's and the original creditor. Never sent my 1099. I demand this account be updated to paid in full on time as agreed.