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

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : OFFICE OF THE ATTY XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : OFFICE OF THE ATTY GEN # XXXX - Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I  just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you  may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

I am a victim of XXXX XXXX of Debt XXXX and would like for all listed accounts to be blocked and deleted from the company Transunion LLC for myself XXXX XXXX last four Social Security number is XXXX, DOB : XX/XX/year>. Please delete the following accounts. 
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 credit reporting act this creditor has violated my rights under the 15 U S C 1681 section 6 O 2 states i have the right to privacy 15 u s c 1681 section 6 O 4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 u s cs 1666 b a creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a frontline essential worker during the pandemic. I work as a caregiver and was negatively impacted by COVID 19. Worked full time to care for XXXX patients and elders. During the pandemic I lost many of my patients due to COVID resulting in loss of income. I had three late payments posted by Comenity bank resulting in credit score decreases making it even more difficult for me to get back on my feet. I reached out to ask for some relief during this time and they were unable to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE IS 8 HARD INQUIRIES I NEVER AUTHORIZED AND I AM NOT AWARE OF THIS COMPANIES I HAVE DONE MY RESEARCH AND HAVE REACH OUT TO THIS COMPANY. I KNOW WHEN I SEE WHAT ARE MY INQUIRIES AND WHAT ARE NOT MY INQUIRIES. I WANT THIS TO BE REMOVED ON MY EQUIFAX ASAP.
Product: Debt collection

On XX/XX/XXXX I received a letter from Cain & Weiner for an outstanding debt with XXXX   insurance company stating I owed XXXX. I sent a certified ( tracking number XXXX ) letter back on XX/XX/XXXX to demand validation of the debt and to instruct them not to call me and to only communicate via US Mail. The letter was received and signed for by a XXXX XXXX on XX/XX/XXXX. I did no receive a response back until XX/XX/XXXX well past the 30 days they had to respond to the validation of debt letter. On XX/XX/XXXX i received a call from Cain and Weiner on my work supplied cell phone even though they had received the letter instructing them to not call over 60 days ago.
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, my business account with XXXX XXXX  ( Account XXXX. XXXX ) was closed due to an overdraft and subsequently sent to collections. The balance was paid in full on XX/XX/year>, via XXXX XXXX XXXX ( File Number XXXX ). I also received a letter from XXXX XXXX  XXXX collections department confirming the account has been fully resolved. 

Despite the resolution, the account continues to be reported by ChexSystems, marked as " paid. '' While this status is technically accurate, the continued presence of this account on my ChexSystems record is unfairly detrimental to my business, XXXX XXXX XXXX XXXX ( XXXX : XXXX ). It misrepresents my businesss financial health and prevents me from accessing essential financing. I am the sole owner of this business, under my SSN ( XXXX ) so it is as if my personal credit is being impacted. 

I have contacted both XXXX XXXX  and ChexSystems to request the complete removal of this account from my record. However, I was informed by XXXX XXXX  that ChexSystems will retain the information for up to XXXX  years. This is unnecessarily punitive and violates my rights under the Fair Credit Reporting Act ( FCRA ) to have accurate and fair reporting. 

I am requesting the Consumer Financial Protection Bureaus assistance to ensure that ChexSystems removes this account entirely from my record. The continued presence of this account, despite being paid in full, unfairly impacts my ability to secure financing and is harmful to my businesss operations.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX and XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 

I filed XXXX reports to the FTC. Each report for different things I found on my credit report that was fraudulent. FTC Reference numbers below : Reference : XXXX Reference : XXXX Reference : XXXX Reference : XXXX This fraudulent, inaccurate, and false information consists of : XXXX. A personal unsecured line of credit opened at XXXX XXXX under the account XXXX on XX/XX/XXXX for {$38.00} and another account from XXXX XXXX with account XXXX on XX/XX/XXXX for {$62.00}. As well as a 3rd account from XXXX XXXX under the account WBGOXXXX on XX/XX/XXXX. 
XXXX. A personal credit card opened at XXXX XXXX on XX/XX/XXXX with a balance of {$1600.00} XXXX. A personal credit card opened at XXXX XXXX XXXX  on XX/XX/XXXX with a balance of {$710.00} XXXX. XXXX student loan accounts opened at XXXXXXXX XXXX XXXX on dates : XX/XX/XXXX, XX/XX/XXXX again, XXXX again, and XX/XX/XXXX for amounts : {$3900.00}, {$7400.00}, {$3900.00}, {$2300.00}, and {$4600.00}. 
XXXX. A personal credit card opened at XXXX XXXX on XX/XX/XXXX with a balance of {$210.00}. 
XXXX. A auto loan opened at XXXX XXXX XXXX on XX/XX/XXXX for {$11000.00} XXXX. A loan or credit card opened at XXXXXXXX XXXX XXXX on XX/XX/XXXX for {$1300.00} XXXX. A personal credit card opened at XXXX on XX/XX/XXXX for {$1300.00} XXXX a credit card opened at XXXX XXXXXXXX XXXX on XX/XX/XXXX for {$1600.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent accounts appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, or hard inquiries as reported. The aforementioned accounts, 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, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint Reports as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Vehicle loan or lease

I XXXX XXXX has purchase the loan XX/XX/XXXX with a contract for 48 months term the price of the XXXX XXXX XXXX  {$12000.00} with a {$1500.00} down payment. i Contacted westlake financial services several times which they stated that the payments was posted to my account which i haven't received any balance reduce. I haven't missed any of my payments during the loan, i was sending my payments through XXXX XXXX, drafted out account, and other payments method that was require. So i contacted the director of compliance XXXX XXXX XXXX he took a look at my payments history and stated it was credit it to my account. So i contacted a lawyer and the Federal Trade Commission they alert me that it was fraud against the company, i then contacted XXXX XXXX it show proof the westlake financial services was wire my money to the dealer account and i wasn't getting any credit to my account that why my balance remain the same and the dealer confessed that the company was wiring customers money to his account which wasn't getting credit to their account. Also the company was reported as a scam and over charging customers.
Product: Credit reporting

I have filed XXXX disputes with Equifax for a judgment being reported as satisfied. It was reported in error, and paperwork was completed and recorded to cancel the judgment that was recorded in error. The other credit agencies have accepted the cancellation document that was recorded by the court. Equifax does n't seem to understand the difference between a satisfaction and a cancellation. If they want to report the judgment as " cancelled '' that 's fine. It is showing as " satisfied ''. I would like it to be removed or corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identification theft has caused me to have an BLANK fico score, and Ive shown multiple documents that prove I'm an XXXX  victim of an federal offense. Sgt. XXXX of the XXXX  XXXX, Texas Police department has all the evidence to send my police report to my home state of XXXX XXXX, Nevada. 

My employer, XXXX  XXXX has been notified, XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX Wells Fargo XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as Social Security Number or Date of Birth in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Closed Complaint # XXXXXXXX XXXX XXXX XXXX presented its attorney with many false information and failed t o correct several delinquencies it had created in error. As a result it changed the error delinquency previously reported as XXXX late payment XX/XX/XXXX to XXXX late payment for XX/XX/XXXX. Between XX/XX/XXXX and XX/XX/XXXX it made several similar errors which it corrected by XX/XX/XXXX. Among its latest errors are a XXXX late payment for XX/XX/XXXX and a new missed payment reported to the credit bureaus around XX/XX/XXXX during a period when the account no longer exists. The company also denied any knowledge of the payment that I had scheduled for XXXX XX/XX/XXXX but was later advised by its Short Sale representative to cancel owing to the fact that I was not required submit a payment while awaiting closing of the sale initiated between the bank and the purchaser in XX/XX/XXXX ( see attached supporting documents ). 
Please note that the canceled checks paid to XXXX XXXX XXXXXXXX for the XXXX and XX/XX/XXXX were recently resubmitted to XXXX XXXX XXXX via XXXX in XX/XX/XXXX.
Product: Debt collection

I understand that I do owe for the credit card, I 'm not denying that. However, when I called a spoke with a representative from the law office and explained that i am the only one with income. I told her I was willing to pay XXXX to XXXX dollars a month. She told me that was unacceptable. Next thing I knew they went into my bank account and took all my money. I have absolutely no money, no food,, light bill is due, car insurance, and other bills that I automatically have taken out of my account. I could understand if they took some, but, they left my account with a zero balance. I guess my question is can they do that?
Product: Checking or savings account

PNC, at their discretion, will make a decision on whether or not they want to have a transaction go thru at a charge of {$36.00}. That I understand, however, I am not understanding why they STILL charge me {$36.00} if they do not allow for a transaction to go thru. They will make it appear as if they are actually going to cover it and then a few days later, reverse it to not cover and then charge {$36.00}. That is totally not right as well as false information that they are giving us. Not only that, you CAN NOT send a XXXX without having the money in your account. I use XXXX primarily to send money from PNC to my other checking account. How in the world are they charging me {$36.00} in overdraft fees for sending XXXX payments all because their checks and balances are not set up correctly in their system is beyond me. When I requested my fees back, I was told they could not even though the agent agreed with me that yes, that is not correct for them to do. I also did not ask for PNC to give me a credit due to COVID. That in itself is throwing off their checks and balances as well, which the agent acknowledged. Then having the nerve to charge me an overdraft fee for money I didn't even ask for if it overdraws my account! I wasn't even given an option to opt out of it! Finally, I have been monitoring my account to see how far of an extent they are going with their shenanigans. I took overdraft protection off so that my card would decline any transactions that would not be able to be covered, and yet again, they allowed something to go thru and this time a transaction that they denied and charged me for from before! It's ridiculous!
Product: Mortgage

I received notice that my service provider for my loan was being changed and requested the balance due on my loan. I have over the years been told this was a charged off loan and they would not send me monthly statements or payment slips even when I wanted to know my balance in the past. When I call the bank they tell me they do not have access to the information and the information I get from the branch office is incorrect and that the branch does not have access to the correct information. I was transferred to customer service, who sent me a payment record sheet indicating my balance of {$1800.00}, another sheet from XXXX XXXX  says a balance of {$1100.00}, however the cover sheet says the balance is {$12000.00}. When I ask for evidence of past due fees, interest, or anything I am told they have no access to that and that the information I got is incorrect, like I am making up numbers, but the numbers I got were from the people they transferred me to. I called my US Senator, XXXX XXXX, her office says they do not deal with such issues and gave me a number to the state of Wisconsin. The state said the bank has a national charter so I need to contact you. This has been a 3 month process and my patience is wearing thin. Please help.
Product: Mortgage

We closed on our home on XX/XX/2018. We did not receive the closing disclosure until 2 hours prior to closing. At that point we realized that there were a lot of fees and were not explained before. We had no choice but to close because all of this happened 2 hours before the closing. Now we find out that the lender under your guidelines had to provide us with the closing disclosure 3 days before the closing, If they had followed your guidelines we would have had time to find another lender. 

This lender charged us 5.875 % in interest which was " reduced '' because the lender made us pay {$2600.00} in points. We never knew about these points until 2 hours before the closing. In addition the lender added {$2100.00} towards pre paid future utility water payments. We were told that since we used a grant this money had to be used in one way or other and it could not be applied to other closing cost or to reduce the loan amount. Then after we moved in we were informed by the water utility company that the previous owner owed money ( there were no liens against the house ) to the water commission and they kept the money. We never received the credit for the {$2100.00} pre paid towards the water. Basically that money went to the seller without our knowledge until after we moved in. 

We feel that we were deceived by the lender. They did not follow federal guidelines and all of a sudden, 2 hours before the closing, they came up with {$4800.00} in additional costs at which point we had no other choice than to pay or lose all the money we had invested in purchasing our first home.
Product: Debt collection

I have told them to communicate with me only by mail. Today they texted me and a family member via text. The text allowed anyone they sent it to to accept/agree to on my behalf. I dont know what this is about. I want them to provide everything they have showing I owe whomever they are trying to collect for and to stop harassing me and my family members by phone.
Product: Checking or savings account

My fiancee and I closed our joint account with Santander Bank on XX/XX/XXXX, to move our assets to a new financial institution. On the XX/XX/XXXX, they told us all future banking would be stopped and the checking and savings accounts would be closed. However, on XX/XX/XXXX, the Santander bill pay system sent a check for {$39.00} to XXXX NJ. On XX/XX/XXXX, I received a notice stating that my account was delinquent and that the {$39.00} would be sent to collections.The payment should never have gone through because the account was closed. Santander Bank Customer Service has refused to assist me over the phone because they can not verify my account ( since I no longer have an account ). I tried to resolve the issue in person as the customer service representative recommended, I went to the XXXX XXXX XXXX XXXX, PA XXXX Branch ID : XXXX and they told me the only way to resolve this issue was to contact customer service.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have XXXX business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt or credit management

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT THIS CREDITOR HAS VIOLATED MY RIGHT. UNDER 15USC 1681 SECTION 602 STATES I HAVE A RIGHT TO PRIVACY, 15 USC 1681 602A SECTION 2 STATES CONSUMER REPORTING AGENCYCAN NOT FURNISH MY ACCOUNT WITHOUT MY WRITTEN CONSENT, UNDER 15 USC 1666B A CREDTOR CAN NOT TREAT A PAYNENT ON A CREDIT CARD UNDER OPEN CONSUMER PLAN AS A LATE FEE..
Product: Debt collection

XXXX intends to collect an amount not owed to them after American Express was used to pay. The purchase was refunded by the merchant to XXXX, and XXXX transfered it to American Express. The amount was refunded to the Consumers credit card only once, after American Express issued a temporarily refund to the Consumer, which was reversed weeks after, when XXXX finally refunded. 

XXXX claims the amount is owed to their balance, which was never used to make the purchase, and while the refund was received by XXXX XXXX XXXX, by XXXX to be credited to the Consumer Credit Card. 

Fraudulently XXXX wants to collect, and threatens the Consumer after sending an email of transfering to a collection agency illegally, and against the Law.
Product: Credit reporting or other personal consumer reports

After reviewing my Experian credit report, I can see information that were not authorized. I'm a victim of Identity theft and this information is not mine. Please see attachment below
Product: Credit reporting, credit repair services, or other personal consumer reports

I STARTED OFF ATTACK THESE INCONSISTENT ACCOUNTS IN XX/XX/XXXX MANY REMAINED AND I FIND THAT INCONSISTENT WITH THE REPUTATION OF THE 3 MAIN CREDIT BUREAUS ( XXXX, XXXX, EQUIFAX ) TO REPORT MY INFORMATION THAT IS ACCURATE CONSISTENT AND VERIFIABLE HOWEVER MY CREDIT SCORE IS SUFFERING BECAUSE THEIR ARE MULTIPLE ACCOUNTS THAT IS PASSED MY STATES STATUE OF LIMITATIONS ON WRITTEN CONTRACTS. 

WHICH MEANS NOT ONLY ARE THESE NEGATIVE ACCOUNTS INACCURATE BECAUSE THE WAY THEY ARE REPORTING BUT THEY ARE INACCURATE FOR EVEN BEING REPORTED AT ALL. 

SOUTH CAROLINA LAWS GOVERN THAT THE STATUE OF LIMITATIONS ON WRITTEN CONTRACTS IS THREE YEARS YET I HAVE PROOF THAT THE CREDIT BUREAUS ALLOWS THESE CREDITORS AND COLLECTION AGENCIES TO CONTINUE TO REPORT INACCURATE AND UNLAWFUL INFO ON MY CREDIT REPORT WHICH IS INDEED A VIOLATION OF THE FAIR CREDIT REPORTING ACT. 

SURPASSED SOL US DEPT VETS XXXX U.S. DEPT OF VETS AFFAIR XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX   XXXX XXXX  XXXX XXXX   XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX UNIVERSITY OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX It appears that attempts to collect a potentially time-barred debt that is otherwise valid may not necessarily Violate the Act so long as there is no actual or threatened litigation. ( See Freyermuth v. Credit Bureau SeNices ( 2001 ) 248 F.3d 767. ) However, where, as here, a collection action is instituted, there is a violation of the Act. ( See Kimber v. Federal Fin'l Corp. ( 1987 ) 668 F. Supp. 1480 ; McCollough v. Johnson, Rodenburg & Lauinger ( 2008 ) 587 F.Supp.2d 1170. ) All of these Accounts Report with various INACCURACIES! AND INCONSISTENCIES WHETHER IT MAY BE THE DATE OPEN, THE DATE OF LAST ACTIVITY OR DATE OF LAST PAYMENT, VARIOOUS CHARGEOFFS AND COLLECTIONS ARE LISTED UNDER THE WRONG ACCOUNT TYPE CODE ALL OF THE DATA VARIES FROM BUREAU TO BUREAU WHICH MAKES IT INCONSISTENT YOU HAVE VARIOUS CHARGEOFFS AND COLLECTIONS REPORTING A BALANCE WITH A PAST DUE BALANCE HOW CAN YOU REPORT BOTH IF THE BALANCE WAS CHARGEOFF, THE HISTORICAL PAYMENT GRIDS ARE ENTIRELY INACCURATE AND UNVERIFIABLE Credit bureaus, if they refuse to correct information after being provided proof of inaccuracy FCRA Section 623 CUSHMAN, v. TRANS UNION CORPORATION US Court of Appeals for the Third Circuit Court Case 115 F.3d 220 June 9, 1997, Filed ( D.C. No. 95-cv- 01743 ).

U.S. Code1692e.False or misleading representations
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX