23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX, claiming to be from STP assoiciates continues to call me at work and call several relatives. I told them to send a debt validation letter and to only communicate with me via US mail. She refused, saying she could call who she wanted, and that this would be a criminal complaint. I reiterated that if there was, indeed, a debt owed, that she should send me a debt validation letter via mail, and she said she would 'just send a summons ' and hung up.
Product: Debt collection

Apparently, this company known as XXXX XXXX claims on my credit report that I am indebted to them for {$790.00}, then {$790.00}, then {$190.00} then {$190.00}. Firstly, how is it possible to make duplicitous claims, and secondly, these claims, from wherever they are, have been on my credit history wrongfully for ages.
Product: Mortgage

Fifth Third Bank, the worst bank in the world, continues to taking efforts to defraud my mortgage escrow account. 

I received a letter on XX/XX/XXXX that my homeowners insurance lapsed as of XX/XX/XXXX, that the bank was purchasing insurance on my mortgage, applying the premium back to the time of lapse. The bank then charged my escrow account nearly {$2800.00} for an insurance period XX/XX/XXXX through XX/XX/XXXX. 

The bank refused to pay my insurance as presented from escrow but instead billed its own for nearly 7 times the original cost presented. 

This institution continues trying to steal funds from my account in such nefarious ways.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint in order to verify some accounts that are erroneously reported in my file. The accounts must be investigated in my file to prevent further damage to my scores, also I sent the necessary documents to FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform XXXX XXXX XXXX XXXX Balance : {$29000.00} ; XXXX XXXX XXXX XXXX XXXX : {$29000.00}.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the XXXX. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the XXXX institution and the XXXX reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution XXXX not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency XXXX 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer XXXX exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

After doing careful research reading the FCRA laws Transunion, XXXX, and XXXX are in violation. Every debt that is listed in bankruptcy that shows on the credit report should say : XXXX ( XXXX ) balance XXXX in bankruptcy. That is the only designation that can appear on what is called the trade line for that particular debt. Importantly, debts that are XXXX in bankruptcy can not show anything else such as any balance still owed, in collections, delinquent, Derogatory, charge-off, or any other negative information. Again, to reiterate, any debt that has been XXXX in bankruptcy can only show XXXX balance-XXXX  in bankruptcy. It appears that the " ACCOUNT STATUS '' on each of the trade lines shows : " DEROGATORY ', which violates the requirements of the FCRA. Also, the REMARKS section states " Dispute resolved ; reported by grantor '' which need to be removed for I did not authorize this comment on my credit report. I have prepared a letter to send to each of the corporate offices for the CEO 's of each credit reporting agencies in preparation to start a lawsuit. No one should have go through this continued craziness! Please do not send me a pre-made generated letter stating you verified! This is my final attempt!!!!!!
Product: Credit reporting or other personal consumer reports

To whom it may concern, it has come to my attention that there has been a data breach XX/XX/2024 where my personal information has been compromised. This stems from the XXXX XXXX case XXXX XXXX v. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. Not only is this a direct violation of the XXXX  ( XXXX XXXX XXXX XXXX ). According to the FCRA 15 U.S.C. 1681 Congressional findings and statement of purpose all consumer reporting agencies are required to provide confidentiality, accuracy, relevancy, and proper utilization in a fair and equitable manner. My Consumer report has multiple inaccuracies including contact number, confidentiality, accuracy, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fraudulent accounts on my consumer report. I am a victim of identity theft. I sent my FTC Report and my PA License as proof or identity to XXXX, XXXX, and TransUnion on XX/XX/2023. These companies are in violation of 15 USC 1681c-2.
Product: Credit card or prepaid card

I'm a victim the inquiry issue with credit card 1. Wells Fargo SVC XX/XX/2020 2. XXXX XXXX XXXX XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX, UT XXXX I Had my Purse stolen in XX/XX/2017, and I also wasnt able to pay due to my daughter having a major XXXX, and also having my purse stolen. I offered to give them the police report, and my daughters papers from the and it is still showing up on my credit report as a Delinquent account for XXXX and XX/XX/2017. Which also made my credit score go down and shows a delinquent on my credit account.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., 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 XXXXXX/XX/year>
Product: Checking or savings account

I opened my account with PNC Bank on XX/XX/XXXX for my small business. I made a deposit on the day I opened it and everything was fine. I received a call on XX/XX/XXXX from the branch manager stating that there was a problem with my account because they could not verify my address. I provided them with a copy of financial statements and government issured identification showing my address but they did refused to accept that my address was valid. My account remained open and they said they I had to close it. I did not want to close my account and told them if they wanted the account closed, they were going to have to close it as we already signed the banking agreement. 

I made deposits on XX/XX/XXXX XX/XX/XXXX, and XX/XX/XXXX which were accepted by PNC Bank. I also made payments to vendors on XX/XX/XXXX and XX/XX/XXXX which were paid through online Bill Pay through PNC Bank which they processed. 

On XX/XX/XXXX a hold was placed on my account and all of my funds were made unavailable. I reached out to the PNC Bank on XX/XX/XXXX and XX/XX/XXXX and was told they put a hold on my account and would not process any transactions going forward unless I provided a signed copy of my lease showing my physical address. Which I believe is an over-reach. My business is registered with the Arizona Corporation Commision. All my documents filed with them list the same address which is listed on my PNC Account. I have provided a copy of my State Issued Travel ID Approved drivers license which also lists the same address as the one listed on my PNC Bank Account. I have sufficiently provided proof or residency required by their banking guidelines. They are clearly discriminating against me based on their own frivilous notions. 

No notice was mailed to me indicating they were going to place a hold on my account. No call was made indicating at my funds were going to be held. 
No email was received indicating my funds/account were going to be suspended. 

PNC Bank has caused an unwarranted interruption to my business because of an ignorant belief that my address is not valid. 

I was told by PNC Bank that they would release my funds if I close my account. I do not want to close my account.
Product: Credit reporting or other personal consumer reports

Name XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Regarding Incomplete Reinvestigation by Experian Dear CFPB, I am writing to formally lodge a complaint against Experian regarding their handling of a recent reinvestigation of my credit report. 

**Account Information : ** - Full Name : XXXX XXXX XXXX XXXX XXXX Social Security Number : [ XXXX ] - Date of Birth : [ XX/XX/XXXX ] On [ XX/XX/XXXX ], I submitted a dispute to Experian concerning inaccurate information on my credit report. The details of the disputed item are as follows : I expected a thorough and fair reinvestigation as mandated by the Fair Credit Reporting Act ( FCRA ) .I received a response from Experian indicating that the information would remain unchanged. I believe this decision is incorrect, as I provided adequate documentation and evidence to support my claim. 
Despite my attempts to communicate with Experian, including [ mention any phone calls, emails, or correspondence ], I have not received a satisfactory resolution. It appears that they did not adequately investigate my dispute or consider the information I provided. 
I request that the CFPB investigate this matter and take appropriate action against Experian for their failure to comply with FCRA guidelines. Additionally, I would appreciate guidance on further steps I can take to resolve this issue. 
Thank you for your attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted disputes with all three credit reporting agency in XX/XX/2023 and XX/XX/2023, I never received a response regarding the investigation of the inaccurate information reporting on my credit file.
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. XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 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, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 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. The following inquiries were also opened under my social security number fraudulently as well. XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Checking or savings account

on XX/XX/2018, a suspicious charge was made on my debit card to " XXXX XXXX XXXX '' for the amount of {$100.00}. apparently, XXXX XXXX XXXX is a vitamin/supplement company. a phone number for the company was included on my bank statement. I gave them a call to dispute the charges, and they mentioned that the transaction was already flagged as suspicious on their end. the only information the company was able to tell me was that the charge came from XXXX. I reside in XXXX. the company told me they would refund the amount. I reported the incident to my bank and immediately cancelled my card. i have also reported this to law enforcement and other government agencies. hopefully, my experience will help reduce, eliminate, and/or prevent this type of criminal activity from occurring.
Product: Credit reporting or other personal consumer reports

I just received a copy of my consumer report and I noticed that the items I previously disputed are still showing. I have already provided an Identity theft report to support my claim that these companies have committed fraud by stealing my non public information and reporting it without my written consent. According to 15 USC 1681i you are required to investigate these items. You stated that the data furnishers have verified the accounts belong to me, but how did they prove that. What document they provided? what evidence will you have to defend your company in federal court for violating my rights. I want you to understand that I am in the process of buying a home for my family and these accounts are causing extreme damage to my creditworthiness. Once again here are the fraudulent accounts:XXXX XXXX XXXX XXXX XXXX  account # XXXX, XXXX XXXX account ( # XXXX ) XXXX account # XXXX XXXX XXXX XXXX account # XXXX None of these accounts belong to me. I have never entered into a consumer credit transaction with these companies.
Product: Credit card or prepaid card

I have the AMEX Platinum Card and have been assigned a Preset limit of {$5000.00}. They obtained inaccurate information of my FICO score from XXXX with out notifying me on XXXX XXXX, 2017. They claimed it to be a XXXX ... My score today is a XXXX. It has not been that low in a couple years when I had no credit. They also said I had a couple delinquencies which is also not true. I also only had 1 credit inquiry at that time when they said I had " too many on my report in the last 12 months. '' I want them to make sure they are checking the right score and that they take off the pre-set limit. I have never missed a payment with them. I love the card, I 'm just disappointed about them not having incorrect information.
Product: Credit reporting or other personal consumer reports

Unpromissablly used personal information and caused severe impact to credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had XXXX  XXXX XXXX  from XXXX  To which I was XXXX for months and not paying attention to credit alerts about data breaches and my information on dark web I have also been victim of Identity theft I reported several times but these items are on my credit and affecting my credit score I did not authorize these inquiries on my credit and it's so many to count my information is incorrect and this information being reported is inaccurate and misleading this does not accurately report my credit
Product: Debt collection

I am submitting this complaint as an intent to get some help on this matter. tI am very concerned. There are three late payments reported on my CHRYSLER CAPITAL account on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. These late payments are being reported different across bureaus, which shouldnt be happening. This is a violation under the FCRA. I dont want to focus on this violation but its important to mention it because it creates confusion and my credit score gets affected. 

On the dates mentioned above, I was not actually late. There was a third-party company that was supposed to make the payments on my behalf. I realized that I was reported as late, and I decided to contact this company. In my mind, the payments were on time, as normal. I am being very affected due to their error, and I dont know what else to do. When I contacted them, they apologized and sent me a letter that I have attached. 

I am requesting Chrysler to correct the late payments reported on the months mentioned above. This was a situation that I could not control, I was not even aware of what was happening. Ive been with your company for 3 years and I want to keep on having a good relationship between us. 

I really hope you can deeply research this case and take a fair decision. 

Account information : Account number : XXXX XXXX XXXX Opened date : XX/XX/XXXX. 
Highest balance : {$27000.00} I have sent to Chrysler the letter from third-party company as proof of their error. 

Thank you.
Product: Payday loan, title loan, personal loan, or advance loan

Bridgecrest Acceptance Corporation ( XXXX  ), is a licensed motor vehicle sales finance company, XXXX ID XXXX. Bridgecrest Credit Company , LLC ( XXXX ), XXXX ID XXXX, is a subsidiary of XXXX and a licensed servicer of retail installment contracts, including accounts owned by XXXX. 

This company is a loan venue for XXXX. They have incorrectly represented the loan payments monthly that fluctuates by an increase of {$10.00} every statement which is not reflective in the agreement signed. 

Further they did not notify of bank withdrawal issues prior to notifying the credit bureau which reflects inaccurate information related to the loan amount. XXXX indicates the car loan is roughly XXXX when it is XXXX. 

Attempting to resolve the issue on the phone and online they reverted to having someone call or email back with an update, yet no one did. This has ruined my credit under XXXX which was over XXXX two weeks ago. They continue to hit my credit and are not willing to resolve this amicably based on the inaccurate information they are disclosing and not willing to provide to me in writing. They do not have a copy of the loan on my profile despite me requesting. 

This violates : # # # 1. Fair Credit Reporting Act ( FCRA ) - The FCRA is a federal law that regulates how credit reporting agencies collect and share consumer information. It requires that all information in your credit report be accurate and complete. If a loan company reports inaccurate information, you have the right to dispute it.

# # # 2. Fair Debt Collection Practices Act ( FDCPA )- If the loan company has sold your debt to a collection agency, the FDCPA applies. This law prohibits abusive practices in the collection of debts, including harassment or misrepresentation.

# # # 3. Truth in Lending Act ( TILA ) - This act requires lenders to provide clear and accurate information about loan terms, including the total costs, interest rates, and any fees. If a loan company fails to disclose this information, they may be violating the law.

# # # 4. State Laws - Many states have additional laws governing lending practices, including usury laws that cap interest rates and protections against predatory lending. Check your state 's laws for specific protections.

# # # 6. Credit Reporting Errors - If you find errors on your credit report due to a loan company 's reporting, you can dispute these errors directly with the credit reporting agency ( XXXX XXXX XXXX, or XXXX XXXX. They must investigate your dispute, usually within 30 days. 

I need assistance because this company is likely hurting other consumers and their ability to buy and function with fair credit.
Product: Checking or savings account

XXXX XXXX XXXX ATM malfunctioned when we deposited {$1600.00} into our checking account. The bank acknowledged the malfunction, but said it will take 2 weeks to return our funds, once they've completed their review. Meanwhile, we had to secure a loan to pay our bills and late charges and credit issues are arising.