23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

On XX/XX/XXXX my Ex husband passed away. In his Last will and Testament he named me as executor of his estate and in the time since I have been trying to handle his affairs. I was appointed personal representative of his estate by the probate court onXX/XX/XXXX and have been trying to close a checking account since that time. I have contacted PNC bank with numerous phone calls and on 4 separate occasions via mail sending various documents that were requested. I still have not been able to close the account and transfer the funds to the estate account. PNC bank was provided with death certificate on XX/XX/XXXX and XX/XX/XXXX. PNC was provided with the death certificate and personal representative paperwork on XX/XX/XXXX and XX/XX/XXXX. To date I still have no resolution to this issue and when contacting PNC customer service I am told that they have no record of the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

COLLECTIONS XXXXXXXX {$1500.00} BANKRUPTCY CHAPTER  XXXX XXXX {$0.00}
Product: Mortgage

On XX/XX/2021 Allied Mortgage was notified by me by phone that my property taxes on my house were not paid via my escrow account. These taxes were due on XX/XX/2021. After multiple phone calls and repeated attempts these taxes still have not been paid as of XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite of my previous 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. The following accounts needs to be updated immediatelly : XXXX XXXX XXXX XXXX Balance Owed : {$8900.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$29000.00}.
Product: Debt collection

Collecting payments since XX/XX/2016 {$150.00} monthly from there collection Department name XXXX XXXX services @ XXXX XXXX XXXX XXXX. 
File number XXXX. But not showing from the orginal account. XXXX XXXX. XXXX, XXXX. 
I have XX/XX/XXXX and XX/XX/XXXX payment and i will be paid in full with the agreement of settlement option 3. I called in reference to them letting my creditors know ive made all my payments on time, so i can get the credit i deserve. Omega number XXXX.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

Please remove all hard inquiries from my credit report.
Product: Bank account or service

I opened a new savings account at SunTrust Bank on XXXX/XXXX/XXXX with {$2000.00}. On XXXX/XXXX/XXXX SunTrust made an unauthorized withdrawal from my account in the amount of {$1300.00}. My inquiry revealed that the reason given by the Bank was to recover disputed funds dating from XXXX. 
Given that these funds were disputed, the Bank has no legal right to act in this manner. The Bank could have brought legal action if it felt it was in the right. That it did not do so shows that the Bank felt it did not have sufficient evidence to support its ' claim. What the Bank did is equivalent to theft. If I entered someone 's home and took something because I thought that the owner owed me money, that act would be illegal and would be considered theft. 
I would request that the CFPB instruct the Bank to return the funds to my account, and advise them them to bring legal action if they wish to pursue their claim.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I received an updated copy of my credit report and I was stunned at how many accounts that were listed inaccurately. I have never conducted business with these companies and I believe that their information is completely inaccurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are the companies listed on my report multiple times. According to 15 USC 1692G they are required to notify with evidence of this alleged debt. I believe they have stolen my non public information from somewhere and Now attempting to ruin my creditworthiness. I want these accounts investigated immediately. Any evidence retrieved from the investigation I want sent to me through the CFPB complaint portal to avoid any interruptions with the documentation.
Product: Credit card or prepaid card

On XX/XX/22 I was trying to make a payment of my statement of {$740.00} for my " NFL Extra Points '' Visa credit card issued by Comenity. My monthly due date is on the XXXX of each month, so a payment not made today would be considered " late ''. Not only is their online system down, but when you call and try to make a phone payment, it plays an automated message and automatically hangs up, there's no way to talk to an actual person. When you try to make a payment on the phone, it also redirects to the automated message. So between both the website being down, and no way to talk to anyone on the phone, there's no way to actually make a payment, which means it could possibly be marked as " late '' and be a negative mark on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 XXXX XXXX ( XXXX, Texas. XXXX ) has us marked as a late payment. This payment was not late in XX/XX/2018. There was a 3 party call with my bank and XXXX. The late payment in XX/XX/2018 was supposed to be removed from all 3 credit reports for myself and my spouse.
Product: Debt collection

l XXXX XXXX received a debt collection notice from Computer Credit Inc, stating they are a debt collector agency and is trying to collect a debt that I, the consumer owe to XXXX XXXX XXXX XXXX. I have no knowledge of such debt. Computer Credit Inc, has clearly violated several of my federally protected consumer rights by mailing out this deceptive letter. This company has violated my right to privacy pursuant to 15 USC 1692 ( a ). I received notice that I owed an alleged debt proven in Exhibit ( A ) which is a violation of 15 USC 1692b ( 2 ). I demand for this company to CEASE AND DESIST. According to 15USC 1692a ( 2 ) the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. As per the literal interpretation Any medium includes any oral, written, electronic, or other, medium. Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you with formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, email, social media, or any Consumer Reporting Agency. I am invoking specified remedy and DEMAND the following. 1. ZERO OUT THE BALANCE OF THIS ACCOUNT 2.PROVIDE MY NAME, A CONSUMER AND NATURAL PERSON, WITH DOCUMENTATION SHOWING THE ACCOUNT WAS ZEROED OUT VIA MAIL, 3. CEASE AND DESIST REPORTING OF THE DEBT COLLECTION ACTIVITY TO ALL CONSUMER REPORTING AGENCIES BEFORE AND AFTER THIS DATE OF XX/XX/2023 and 4. REMOVE ANY AND ALL REPORTING OF THE DEBT COLLECTION ACTIVITY FROM ALL CONSUMER REPORTING AGENCIES
Product: Credit reporting or other personal consumer reports

I disputed 3 different hard inquiries with XXXX last month, and XXXX 's solution to the problem was to place a fraud alert on my credit report as oppose to just removing the inquiries. This fraud alert makes it harder for creditors to access my credit report for which has been working against my quest to purchase a home.
Product: Credit card or prepaid card

On XX/XX/XXXX I called MyXXXX  card to report that my card had been damaged. I specifically stated that my card was NOT lost and had never been out of my possession and I needed a duplicate card sent. I made sure to let the representative know before that my direct deposit would be coming there and I did not want to cancel the card if that is what they had to do because it would leave me without access to my money for 14 business days. She assured me it wouldn't and that a replacement would be sent out. I followed up on XX/XX/XXXX because I had not received the duplicate card and I was informed that the card was reported LOST not damaged and I would now have to wait for a new card with no access. I asked to speak to a supervisor and was transferred. The supervisor advised that he could send out a card overnight to me that day. I asked specifically if the card would go out the next day because now I have no gas and no way to get to work. He advised that it would. He lied because I chatted by the app this morning and the representative lied and said the card wasn't even processed to go out until tomorrow. I called and requested a supervisor and He said that the card had been processed today and would go out in 1-2 business days, which is not overnight. They had repeatedly given wrong information when had I known the correct timeframes, I could have done an ACH transfer of my funds to another card to at least have gas money and food. They have done this deliberately by giving knowingly false information. The first supervisor neglected to tell me that I had called past the cutoff time of XXXX XXXX for the card to go out that day. Had he given me the correct information I could have initiated an ACH transfer out and I would have had money in my credit union account at least by Friday morning and only miss one day of work. As it stands, I will miss four days of work.
Product: Credit reporting or other personal consumer reports

This marks my 9th attempt to dispute the information in my credit file arising from an alleged identity theft. Once again, I am submitting an identity theft report ( # XXXX ) in accordance with FCRA Section 605B ( a ) ( 1 ) ( 2 ), mandating the removal of any information resulting from alleged identity theft within 4 business days of receipt, provided with ( 1 ) proper proof of the consumer 's identity and ( 2 ) a copy of an identity theft report. Please REMOVE the items listed in this complaint : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Bank account or service

I lost my wallet and all my bank card was in with my information that how my account was closed I did report and told then excate what I am telling now I should not be in the XXXX cause some one still my identity.
Product: Credit card

VIOLATION OF 18 USC 1001 ( a ) ( 1 ) ( 2 ) 18 U.S. Code 1001 - Statements or entries generally U.S. Code ( a ) Except as otherwise provided in this section, whoever, in any matter within the jurisdiction of the executive, legislative, or judicial branch of the Government of the United States, knowingly and willfully ( 1 ) falsifies, conceals, or covers up by any trick, scheme, or device a material fact ; ( 2 ) makes any materially false, fictitious, or fraudulent statement or representation ; or ( 3 ) makes or uses any false writing or document knowing the same to contain any materially false, fictitious, or fraudulent statement or Commenity Bank made deceptive statements that they not longer own the Medical loan and are therefore not responsible for their submission to my XXXX and XXXX credit report. 
Not owning the debt as explained in the previous report does not exclude Commenity Bank from reporting accurately. 
Deceptive statements from community Bank to the CFPB is a criminal offense under 18 USC1001.
Product: Credit card

I signed up for a Sears Store card and rejected the other offers. Approximately one year later I received a Sears Master card in the mail - I did not act on it. I went to the Sears Store to make a purchase/payment and was told I could not use my Sears Store card. I had to find the Sears Master Card in order to call Sears/Citibank. I was told my Store card was switched to a Master card because I did not opt out when the Master card was sent to me. I began using to Master Card thinking it was just a regular card. I recently went to the Store and was offered a new store card which infuriated me because I feel like I was tricked into taking the Master Card that I DID N'T want in the first place. Today XX/XX/2016 I received a call from Citibank asking me to pay more on my card because the XXXX dollars I paid before it was due was not enough ( XXXX. ) I was told that the payments fluctuate based on the amount owed. Now I feel like I have been the target of predatory lending.
Product: Vehicle loan or lease

XX/XX/2016 the vehicle was repossess and sold at an later, the total amount on the vehicle was {$5500.00} at the time of the repossess. I had written the company and requested a copy of how much the vehicle was sold at. Also, request that the company updated with all three credited bureau, the company refuse to do sent me any information or update my information with all three credit bureau. In addition, I have disputed this account with XXXX, XXXX, and XXXX. No changes have been made with the credit bureau 's. In addition, the company sold me a car with a salvage title without my knowledge.
Product: Credit card or prepaid card

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

I was told that Congress had passed the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) to minimize the impact of the COVID-19 pandemic, In particular, The CARES Act places important requirements on companies that furnish information to consumer reporting agencies about consumers affected by the COVID-19 pandemic. Basically, during a pandemic creditor can not report payments as past due, and make proper accommodations to consumers. 

I see incorrect & inaccurate late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Product: Mortgage

Our mortgage loan was sold to another company all of sudden as soon as we purchased our home. We did not receive any letters or were notified that this was going to happen until almost a month later. It was a stressful time since my partner and I were working long hours as well as unsure with what was going on. Due to the sudden change we had made a late payment.
Product: Credit reporting

There are accounts in my credit report that do not belong to me and Experian is n't responding to my requests to investigate and remove them from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been 60 days!!! When I call to check on each respected document with each bureau ; I an given the " run-around ''. I am being told that they have not received the documents and that I should just simply mail them again. I have since mailed said documents a grand total of 5 times. I, unfortunately, am still given the exact same response. I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and ( additionally ) I demand that ALL items listed on each letter be DELECTED from my reports.
Product: Credit reporting or other personal consumer reports

Equifax has prevented me from viewing my credit report. This agency has blocked my credit report internally. I have not requested a freeze. Equifax has provided a response, attached, that is perjury. Theyve lied to CFPB. Ive also attached my credit report from Equifax which states that my credit report is blocked for promotional purposes. Equifax is not allowing creditors to review my report. Equifax has stated to CFPB that I have not requested my report. However, this is a lie. I have requested my credit report. Equifax is still telling me that I must provide my drivers license to them in order for them to release their internal block on my credit report. It is time to file a lawsuit against CFPB. This agency is allowing credit reporting companies, like Equifax to violate the law with impunity. There is no accountability. Equifax must be sued as well. They should not be allowed to kidnap my credit report, only to put on it the information they deem fit, whether its accurate or not. CFPB is not holding Equifax accountable.
Product: Credit reporting 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. 

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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

The following inquiries were not authorized by me and I request removal : XXXX XXXXXXXX XXXX, POLICE AND FIRE XXXX I am demanding the removal of the collection : SUNRISE CREDIT SERVICES. I am demanding the removal of the following incorrect information : XXXX XXXX XXXX XXXX XXXX PA XXXX, XXXX.
Product: Prepaid card

XXXX XXXX the company Rushcard company said they were doing updates, for 2 days we 've had no access to our money, not able to speak or get to anyone to even pick up the phone. I deposited {$670.00} into my account not aware of this issue until after I had made the deposit into my account which by the way does n't show up, my card declines when trying to purchase food for my family, gas, etc. I just want my money like XXXX of others experiencing this crippling issue.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelle 's handling of disputes, in light of the recent CFPB lawsuit highlighting issues with the platform. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving offenders vulnerable to scams. The lack of accountability raises serious concerns about consumers safety. They informed me that recovering lost funds was impossible and the tracking these transactions was unfeasible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with the XXXX Equifax, XXXX, XXXX  XXXX. They have failed to remove information that was affiliated with personal details that were challenged in the past .These details include inquiries that I have not authorized. This is affecting my credit in a negative way and I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Student loan

First, Heartland ESCI has no means of accepting deferment materials electronically ( no fax, no online submission ). This is unacceptable. Waiting 10-15 business days for Heartland ESCI to process a deferment application that has been sent by USPS is simply bad service. 

Second, I have sent several deferment forms to Heartland ESCI, each time getting a rejection notice via e-mail, an e-mail that gives no guidance as to what documents are missing. I'm dealing with a man behind a curtain.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reviewed my credit report and seen there were accounts that does not belong to me. This is an act of fraud and the accounts on my report need to be deleted/ removed immediately. This is a notice of dispute pursuant to the fair credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Accounts listed below : - THE XXXXXXXX XXXX  # XXXX - XXXX XXXX XXXX # XXXX - XXXX XXXX XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

This credit bureau has refused to update my request to update an account reporting incorrectly on my credit report. I have disputed this account several times and even provided a payment history print out on this account. This account has never been late and needs to be updated to reflect such. Please update this account to reflect its true reporting status to paid, never late.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I went to court in XXXX with my old property management company, XXXX XXXX. I agreed to move, and the case was Sealed by a Judge so it would not impact me moving or appear on my credit report. I was told to use my funds towards moving and last I checked, I had a {$0.00} balance with them. I had no clue this was in collections or on my credit report until XX/XX/XXXX while applying to move to a new location. I reached out to the debt collection company IQ DATA, they would not help. They actually yelled at me and hung up the call without helping me get information on this account. They claimed they sent me a recent letter with the charges but I have yet to receive it almost 2 months later. I've provided proof to XXXX, IQ DATA and the rental company I'm applying to but no one will explain how to get this removed. The companies involved keep saying they have no control over what they report and I need to take it to someone else to get it resolved. 

I've done my own research and according to CA Law, if a Landlord Tenant issue is sealed by the court it can not be reported on your credit. IQ DATA is also adding a lot of interest fees on this account even though that is also supposed to be illegal. I've reached out to the original creditor XXXX XXXX and they also confirmed there is a {$0.00} balance as of XX/XX/XXXX.