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

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX
Product: Debt collection

Debt collection company sent a letter trying to collect. Called twice and left voicemails threatening legal actions even though I am well within my month to dispute the charges. It hasn't even been a week of me receiving my letter that they called twice and threatened a lawyer. I haven't gotten a chance to mail my rebuttal. They are not honoring my rights.
Product: Debt collection

In XXXX my debt was sold from the XXXX XXXX courts to credit service company. Credit service company tacked on money that I received a notice that I did not need to pay when I received a refund from the XXXX XXXX courts. The XXXX XXXX courts paid me a refund for overpaying credit service company and told me that I no longer owe money. Credit service company has tacked on XXXX extra dollars and I have told them to stop billing me and the XXXX XXXX courts have told them to stop billing me. They insist on billing me they told me they were going to stop billing me but they continue to XXXX me by XXXX debit. I told them to stop and they keep billing me.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against XXXX regarding their inadequate response to my disputes concerning inaccuracies in my credit report. I have submitted several requests disputing certain entries within my credit report, citing specific inaccuracies that have negatively impacted my credit score. However, despite providing detailed evidence and documentation, XXXX has repeatedly responded within 24 hours stating that the accounts in question are " accurate. '' These responses have offered no evidence or detailed explanation of the investigations conducted, nor have they addressed the specific inaccuracies I have pointed out. This pattern of behavior violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which clearly states that consumer reporting agencies must conduct a reasonable investigation when a consumer disputes information contained in their credit file. 
Additionally, XXXX 's handling of my disputes may also infringe upon the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ). The CFPB 's recent administrative proceedings highlight the importance of thorough investigation protocols for consumer reporting agencies, which XXXX appears to disregard in my case. 

These are the following accounts XXXX XXXX XXXX XXXX ( reported twice on credit report ) XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed to XXXX and EQUIFAX about several credit cards they are reporting wrong. 
They dont budge, dont send proof of investigation and nothing is resolved. 

XXXX XXXX XXXX  reporting balance is XXXX but yet its XXXX but XXXX still keeps same balance XXXX XXXX XXXX they show balance XXXX for months the balance is {$700.00} now last month it was XXXX XXXX balance has shown {$1000.00} past 3 months but the balance is XXXX I have asked them to delete the following accounts because there closed, past Arizona statutory of 6 years and they just refuse XXXX XXXX XX/XX/XXXX XXXX closed XXXX XXXX 5yrs 10 months old XXXX was opened in XX/XX/XXXX 6years old XXXX XXXX XXXX XXXX this acct was opened in XX/XX/XXXX 10years old XXXX XXXX XXXX closed XXXX XXXX over 10 years old I have submitted request via mail three times the past two months. 

Have information to prove it
Product: Credit reporting or other personal consumer reports

I am writing to express my deep disappointment upon discovering a bankruptcy entry in my credit report. After careful examination, it has become evident that this entry does not correspond to any actions or decisions made by me. As a diligent and responsible individual, maintaining a positive credit history has always been a top priority. Therefore, encountering such a significant error is not only concerning but also distressing. Please keep me informed of the steps taken to address this issue and provide updates on the progress of the dispute resolution process. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( XXXX ) this account in violation not reporting XXXX XXXX accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account.
Product: Credit reporting

My Credit Report was Wrong and was fraud and ai Never Live In XXXX Florida and My Personal DL, SSI Card, Birth Cerficate Was Stolen I Did a Police Report At That Time Birthday They Use Was Wrong Also Someone Put A Credit Card XXXX Card For Credit Limit For XXXX That Was I Freeze all XXXX Credit Companies I Was A Victim also My Husbrand Too XXXX XXXX Same for Him Also Plus They Also Saiding I Never Paid Off My Credit Cards Consumer was me Me and My Husbrand Paid Off Cards and Closed Them. All This Negatives Stuff Cause Me Not To Get A Apartment and Information Is Not Updated Either And That XXXX Are Fraud They Were Sued Going To Court Saiding People Them Not Truth Investgate right way!!!!!
Product: Checking or savings account

On XX/XX/2022, I wrote a check payable to XXXX XXXX XXXX in the amount of {$200.00}. The check was altered and made payable to someone else in the amount of {$9000.00}. It appears the check was electronically processed for that amount. 

I reported the discrepancy to PNC Bank on XXXX XXXX. An official report was made at a local PNC branch ( XXXX XXXX XXXX District of Columbia ) on XX/XX/2022. While I have made several inquiries regarding the above fraudulent action, I have not received any written communication concerning my case. Over 120 days have passed without resolution. 

I am requesting resolution of my case and reimbursement of {$9000.00}.
Product: Debt collection

XX/XX/year> Amount {$2700.00} Blitt and Gainess, P.C sued me for this balance which I was never aware. I did not have the opportunity to dispute the debt before being take to court. If you in fact did send me proper notification of the right to dispute the debt before taking me to court. Please provide a receipt showing my signature of me receiving it.
Product: Mortgage

I have had a reduction in Income over the past seven years and have fallen 23 months behind on my equity line of Credit with Bank of America. I expect to earn XXXX XXXX by XX/XX/XXXX and would be able to pay the 23 months of overdue payments to Bank of America and have requested they postpone the foreclose to avoid any additional legal fees and expense being added to the reinstatement amount. So far they have refused to place the foreclosure on hold. I spoke with the law firm and they have not filed with XXXX County Supreme Court as of todays date XXXX/XXXX/2015.
Product: Debt collection

When I contact JEFFERSON CAPITAL SYSTEM they claim they can't find my account even though they keep validating their collection of debt through the credit bureaus. It is for a XXXX account that I closed years ago and was paid in full. The dates for the account and everything is wrong. I even had this same debt on my report from a different agency and successfully had it removed as valid but somehow Jefferson is able to continue reporting innaccurately.
Product: Bank account or service

I submitted a request online to transfer a XXXX wire transfer from my XXXX account to my PNC account. It appears as though PNC allowed the transfer to go through even though I did n't have sufficient funds in the account. Now I am out XXXX for my rent. The bank allowed the transaction because they want to charge me significant fees and place me in debt with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 I got an e-mail telling me that my scores were XXXX and now when I try to get a credit score thru any morgage lender it says XXXX. Somehow there is a problem with XXXX, Trans Union and XXXX no one can seem to get anything out of these three credit reporting services with my name, birthdate and ss numberas to what my scores should be
Product: Checking or savings account

On XX/XX/19, the balance of my primary checking account at TD Bank was displaying incorrectly - it omitted electronic deposits from " third party '' vendors including XXXX XXXX ( wallet to bank transfer ) and XXXX ( a payday advance company ). These deposits not being credited meant I didn't have access to all of my funds. 

I called customer service 2 times and before even speaking to an customer service agent, was met with a recorded message about " technical issues '' with accounts - that accounts weren't displaying updated information and that TD bank customers and employees wouldn't be able to access updated account information via mobile, online or in-person banking methods. 

On the same day, at approximately XXXX XXXX, after checking the bank 's social media and website multiple times for an update or statement that would include information especially about when the issue was expected to be resolved, I then called customer service again and this time stayed on the line through the recorded message and spoke to someone. This is when I was told the issue was with multiple third party vendors including : XXXX XXXX, XXXX, and XXXX - to name a few. After asking a few more questions, the agent was able to tell me that they expected the issue to be resolved by XXXX - which I confirmed meant XXXX XXXX. 

The lack of communication and true transparency is troubling. There was no email sent to customers, no statements posted to the bank 's website, social media or other communication channels. Additionally, the agents seemed to be in almost the exact same boat as us customers - mostly without information. Unacceptable and irresponsible. We trust TD Bank to house our financial resources and provide services and this trust was breached today. I am still not sure which is causing the technical issue - was my privacy or security breached? Is my info vulnerable??
Product: Checking or savings account

I had an account with Capital One Bank since approx. XXXX it was closed without notice or reason on or about XX/XX/XXXX. The balance was {$1100.00}. 

I discovered the account was closed when I went to bank last week and called Capital One. They kept me on hold for a long time and eventually sent me to a rep who said there was issue with verification. That there was some kind of mistake XXXXXXXX  they claimed the account was opened in XXXX XXXX and there was a verification issue. But their own statements attached show the account was much older. ( They only go back to XXXX, but the account was actually opened decades ago when it was ING, before they got bought out by Capital One. ) Based on this mistake, Capital One closed my account and sent a check with the funds to some address they said was 'unverified '. They did not tell me where they sent the check to, but that it should've been received within 5-7 business days. ( From XX/XX/XXXX. ) I have still not received a check or the funds from the account. Capital One said that by closing the account and sending a check ( wherever the XXXX they sent it ), they do not owe me anything else. Their position is that even if they sent the check to someone else 's address and someone else fraudulently cashes the check for my funds, it is my problem and they do not have to give me anything else. 

I believe this is larceny. I had an account and they were responsible for my money in their care under state and federal law. They didn't notify me the account was closed or ask me where I wanted my money sent. By their contention, they sent an unsecured check to an unverified address, which isn't just grossly negligent, it is reckless.
Product: Credit card

Someone called from XXXX claiming to be a Chase employee telling me that someone in CA opened a credit card Freedom card in my name. It was not me. Gave me the following number XXXX of the card. Wanted to transfer me to the CONSUMER FINANCIAL PROTECTION BUREAU. I hung up and told them I would call directly. Looks like the number was spoofed.
Product: Checking or savings account

Someone tried to open a bank account at Bank of America with my social security number and e-mail address
Product: Credit reporting, credit repair services, or other personal consumer reports

As of today, Thursday, XX/XX/XXXX, via a call to their billing office at XXXX at around XXXX XXXX XXXX, XXXX again confirmed that they have sent an email to XXXX XXXX XXXX to remove this fraudulent reporting of collections on my credit reports. However, they are claiming they do not have adequate processes to quickly have it removed. For example, they are claiming that XXXX XXXX XXXX and XXXX have a system to remove these fraudulent reports only once a week and that it may not even be communicated until this Saturday. 

Again, XXXX quickly removed this report because it was a prima facie instance of fraud. My name and address were misspelled, and so was the proper insurance information. My household income is over {$200000.00} annually, I have a net worth of over {$1.00} XXXX, own four properties, and had a credit score of around XXXX. To suggest that I did not have the capacity, or basic financial prudence, to pay a bill of less than {$400.00} is honestly a joke. Meanwhile Experian is somehow still processing my reporting of fraud because, like almost always, it is still technologically inferior to XXXX. 

XXXX does not know how to abide by basic expectations of the Fair Credit Reporting Act, and the agreement between XXXX and XXXX XXXX XXXX whereby these instances of fraud are only communicated once a week is anti-consumer and should be grounds for legal action by the Federal Government.
Product: Debt collection

On XX/XX/2023 I received a phone call saying I owed {$4200.00} to the national credit system. I told them the debt was not mine and they said through phone call that I would be receiving mail including more detail. That was the extent of the help. I did not know I can dispute it until I looked online. I filed police report, filed identity theft report with the FTC, called the original creditor, and the original creditor said it was not my social or birthday used, the person only had the same name. I think there was a mistake made on the part of the collection agency.
Product: Mortgage

Ive been requesting a payoff to sell my house for months. They have had many delays or dont answer the phone. Ive reach out to XXXX loan management services, to acquire a payoff. They wouldnt provide the necessary information then eventually they hired lawyers to foreclose my house. I called daily to obtain a payoff to sell until I lost a sale trying to sell owner to owner. I then hired a realtor to help sell the house. I repeatedly requested a payoff quote from rushmore and their lawyers until rushmore loan services transferred my loan to rushmor services. I acquired another buyer and had a closing date. However Ive had to postpone sale twice due to XXXX not providing payoff quote. XXXX on the verge of loosing another buyer and less than a month away from my house being foreclosed. I would have already sold my house before the foreclosure process if I had the payoff quote. Currently I still cant sell my house because they still dont provide the pay off, which will be more expensive due to lawyer fees because of their delays.
Product: Debt collection

Im writing this in response to a dispute against portfolio recovery with an alleged debt on my credit report. 

Under ny law portfolio failed to provide exact information regarding such debt. They did not provide proof or start date of said debt, failed to show proof of exact dates that debt was made or months of missed payments and most importantly the so called debt that they are trying to claim is past the statute of limitations under New York State Law, Uniform Commercial Code 2-725. Even in their own letter it shows that they are past the expiration date to collect. Therefore this debt should not be on my credit report as owed to them. My Next letter it to the nys attorney general regarding this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : On XXXX XXXX, 2020, XXXX  add a hard inquiry on my credit reports. 
On XXXX XXXX, 2020, XXXX XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX XXXX, 2020, XXXX  XXXX XXXX add a hard inquiry on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an auto loan with my then husband with World Omni Financial Corp. My husband was delinquent on the loan and on XX/XX/XXXX gave verbal consent for World Omni Financial Corp to take the vehicle. When the company called me, I told them I would trade the vehicle in and have the auto loan paid off. I was able to do that, World Omni Financial Corp received their check. I requested the " notes '' of the phone call on XX/XX/XXXX done by both myself and my husband. They refuse. I have been literally begging them to provide me with the transcripts of the phone call. I'm due in court and I desperately need those notes taken to clear my name. please help
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Here is the list of items that do not belong to me or were opened without my permission.
Product: Credit reporting or other personal consumer reports

I have reviewed my consumer reports that I had 6 late payments on an account I was never late for. The consumer reporting agencies have assumed a vital role and have responsibility to report consumer information to the best of their ability with maximum accuracy. I have included a screenshot inside this complaint in on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, and XX/XX/XXXX. Please investigate and provide a proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thank you, please see the attached files!
Product: Debt collection

I do not recognize how this account is reporting on my credit report. 
I do not recognize the account number. 
I do not recognize the account status. 
I do not recognize the high balance. 
Nor do i recognize the late payments associated with it, everything reported here does not meet the FCRA. 
I have not supplied proof under the doctrine of XXXX  by XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the handling of my personal financial information and to assert my rights under the Gramm-Leach-Bliley Act ( GLBA ), specifically 15 USC 6802. I believe [ Southwest Recovery Service ] has violated the GLBA concerning [ specifically describe the information you believe was mishandled. " the unauthorized sharing of my financial information with a third party, '' " the failure to provide me with a clear and conspicuous privacy notice, '' or " the failure to implement adequate safeguards to protect my personal financial information ''.

I received a notification that my account information was shared with [ Southwest Recovery Service ]. I did not provide consent for this sharing. '' and " I requested a copy of your privacy policy and have not yet received it. " ].

15 USC 6802 places restrictions on the disclosure of nonpublic personal information. " I believe this action violates 15 USC 6802 ( a ) as it constitutes the unauthorized disclosure of my nonpublic personal information to a nonaffiliated third party. '' and " I believe this action violates 15 USC 6802 ( b ) as I have not received a clear and conspicuous initial privacy notice. '' ] I request that you immediately investigate this matter and take corrective action to ensure compliance with the GLBA. This includes DELETE this account from my credit report I expect a written response within 14 days outlining the steps you have taken to address this issue. Failure to adequately address this matter may result in further action, including but not limited to filing a complaint with the appropriate regulatory agencies.