23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

- XX/XX/XXXX ; XXXX XXXX was charging $ XXXX.Claim for Excess Wear & Tear, after returning leased car. 

- XX/XX/XXXX ; Made for Total Settlement Amount Due {$1200.00} ( Account Balance {$1600.00} ) Payment Installment Plan with XXXX XXXX Down Payment Promise Date XX/XX/XXXX -  {$610.00} ( Paid on time ) Final payments @ {$610.00} XX/XX/XXXX {$610.00} ( Paid on time ) Total Payment Installment Plan : {$1200.00} -XX/XX/XXXX ; XXXX XXXX credit report to Potentially Negative Account with late payment. 

- XX/XX/XXXX XXXX XXXX sent confirmation mail, " XXXX has been settled and you are released from any and all obligations ''. ( Attached Documents with copy of check ). 

-XX/XX/XXXX Made a phone call with XXXX XXXX discussing why my credit report was negative when I already payed off the settlements on time. The reply was if I paid off my remaining balance, the credit report wouldn't be negative anymore. 

-XX/XX/XXXX *Payed off remaining balance of {$400.00}. 
XXXX XXXX sent confirmation mail, " XXXX is now satisfied and you are released from any and all obligations ''. ( Attached Documents with copy of check ). 
*Credit report remained negative even after receiving these confirmation letters. 
*Made a call to XXXX about this issue ; wasn't given a solution. 

-XX/XX/XXXX *Disputed to 3 Credit Bureau for issue ( See above ). 
*Received dispute result from XXXX XXXX " Completed investigation of FCRA dispute - consumer disagrees '' OR TRANS UNION XXXX " DISP INVG COMP-CONSUM DISAGRS ; >SETTLED-LESS THAN FULL BLNC< ; CLOSED. '' * Also, XXXX  sent the result by E-mail. But it wasn't opened. It looks like some kind of security problem. Any how I need to phone call to them. 

Thank you!
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NC XXXX XXXX XXXX XX/XX/2024 Equifax. XXXX XXXX, XXXX, GA XXXX Subject : Demand for Immediate Account Removal Due to FCRA Violation To Whom It May Concern, I am writing to formally demand the immediate removal of the following account from all credit reporting agencies due to your blatant violation of the Fair Credit Reporting Act ( FCRA ) : Account Number : XXXX Under FCRA Section 1681s-2 ( a ) ( 3 ), it is your legal obligation to notate an account as in dispute once a consumer challenges its accuracy. You have failed to fulfill this requirement, despite my previous dispute notification. This constitutes a serious violation of federal law and demonstrates your reckless disregard for my rights as a consumer.

Your failure to properly update the dispute status of this account means you are reporting false and misleading information. According to FCRA 1681s-2, this violation provides me with automatic grounds for account removal.

I am demanding that you : 1. Immediately remove this account from all credit reporting agencies.

2. Provide written confirmation of the accounts deletion within 15 days.

Failure to Comply Will Result in Legal Action : If you do not comply with this demand, I will take the following action without further notice : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

Pursue legal action under FCRA Sections 1681n and 1681o for willful 
or negligent noncompliance, which may include claims for statutory damages, punitive damages, and attorneys fees.

This is your final opportunity to correct your violation and avoid legal consequences. I expect your full cooperation and confirmation that the account has been removed from my credit report.

You have 15 days to comply with this demand.
Product: Prepaid card

I have multiple AmericanExpress gift cards in varying amounts. Despite having sufficient funds, none of them seem to work as valid payment methods in any of the ways I have tried. 

I called AmEx and was told that I will have to use the gift cards in person, which is an inconvenience as most of my shopping, bill paying and other purchases are done online. 

I dont want to lose the value of these cards, but am so frustrated that theyre declined over and over again.
Product: Credit reporting or other personal consumer reports

I recently looked at my credit report and noticed an account that was not reporting accurately. I had a 30 days late payment that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on any payments and Ive attached a copy of my report to show the account and the dates ( XX/XX/year> ) for Account XXXX XXXX Bank XXXX Account XXXXXXXX XXXX I am now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified, I demand these payments be updated to paid on time. Thank you for your understanding and prompt action.
Product: Payday loan, title loan, or personal loan

I want to complain about this bank " PNC BANK , NATIONAL ASSOCIATION. '' I will attached letters that I received from this bank. I have an account with this bank. 
I open a checking account with this bank. Before they were called BBVA COMPASS BANK. 
I closed my checking account with this bank early this year XXXX 
When I closed my account I went to the employee were they do everyday transaction not to those employees where they work at cubicles. 
When I closed my account I was given my remaining money. I forgot how much but it was a cash. After I closed it I gave my unopened letter with my new ATM debit card inside to the teller that closed my account. 
After a couple of months I received a check from the bank in the amount of {$48.00} upon receiving this check I called the bank to asks what is this check for I was told it's my money and I can deposit it to my bank. 
After couple of months when I did deposit the {$48.00} check I received a letter from the bank that I owe the bank money and in this letter its already outstanding and due. After receiving this letter I called the bank and asked how come I owe the bank a money I was told that I have a balance on my line of credit I told them I do not have a line of credit and I asked the person on the phone what is the transaction and when the transaction happens. The person I'm speaking to can not explain to me the transaction they were asking me to pay after this I asked them about my account when I closed my account and how much money they returned to me they said they don't know. 

The documents that I attached here are the check that they issued to me XXXX letters and XXXX letters of line of credit account statements these statements have XXXX pages in it. 
This bank is located at XXXX XXXX XXXX XXXX
Product: Debt collection

This account was opened by my ex-wife. At this time, we did not even know each other. We did not get married until XX/XX/2009. I never signed for this credit card, charged anything to it, or accepted any type of financial responsibility for it. My ex-wife filed for bankruptcy, this account was included in that. It wasn't until then that the company attempted to collect from me. My credit it flawless except for this and one other account with the exact same circumstances.
Product: Checking or savings account

I have to file a complaint to CFPB regarding the recent awful or horrible experience that I have with Citizens Bank on the unfair banking practice and discrimination toward oneself, who as an XXXX and XXXX  woman. 
My family and I have been the customer with Citizens bank for over XXXX yrs. and I starting my banking accounts with Citizens Bank since I XXXX  to U.S. inXXXX. As a single Mother, I have working very hard to raise my own children, have carefully management my own self and family 's finance and banking with Citizens Bank. 
Unfortunately, there are problems raised from XX/XX/XXXX, when a Fraud happened, the unauthorized party ( XXXX XXXX ) started transferring money out from my primary checking account! I ran to the bank and called to file the claims of fraud to Citizens Bank the end of May. In between XXXX, The total amount that XXXX XXXX unauthorized transferred from my checking were {$7500.00}. Citizens Bank was able to credit back {$6000.00} onto my checking account ( # 1 ) on XXXX. 
I was horrified by the first fraud activity happened in my live and still trust for Citizens Bank could help getting all my money back. At the same time, I opened another new checking account ( # 2 ) with Citizens Bank, and I am waiting the further clarification from the Bank and my banking activities to be clear before I can close the old checking account ( # 1 ). 
Unfortunately, I was very disappointed that Citizens Bank mistakenly reversed total of {$1400.00} dollars on 3 credited of transations, from my # 1 checking account on XX/XX/XXXX & XX/XX/XXXX. These activities caused the negative balance on my checking account. 
After the careful inspection, I believed that these were the Citizens Bank 's errors, these were not the 3 duplicate credits that issued by the bank on my account and Citizens Bank should reversed or post the $ back to my checking account. 
To working out these disputing transactions with Citizens Bank, I have making many of phone calls to online banking, claim. fraud and ACH dept, running back and forward to meeting with bankers / customer service. After spending so much of valuable times and energies, trying to communicate with Citizens Bank, I have received enough ignoring, rejection and discourage on this whole process. I don't know if it is because I am a woman and speaking XXXX with accent? It makes me very angry & upsetting when the bankers don't show respect to the customer, they don't want to listen, or stare at you/me and says, " you don't understand ... " In addition, I am questioning the quality of the customer services and the working skills that the staffs of Citizens Bank XXXX I hate to say that when I spoke to someone who supposed response to my questions and provide help professionally, but instead they either play BingBong or can't provide satisfied answers or solutions to resolve the problems or address the issues that I have. 
I have to file a complaint and share these terrible, unpleasant banking experiences with you. It would be very appreciated if any of the kindly support and suggestion can help resolve the problems. 
Thank You,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

Account name XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report.

I am formally requesting the blocking and deletion of these accounts.

It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

This morning, I was really upset to find unauthorized inquiries on my credit report, and I cant figure out why theyre there. Everything seemed fine when I last checked, but today there were unexpected issues. I tried refreshing my browser, hoping it was just a glitch, but the inquiries stayed. This is incredibly frustrating, and I need the documents I've provided to be carefully reviewed to put an end to this problem once and for all.
Product: Credit reporting or other personal consumer reports

I opened an account with Freeway Funding in XX/XX/XXXX '. In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681a1 " Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ''. Attached are my credit reports which will clearly show inaccuracies in payments and balances as well. 15 USC 1681 604a states that any consumer reporting agency can only furnish a consumer report with my written permission. 15 USC 1681 602a4 states that I have the right to privacy.
Product: Credit reporting or other personal consumer reports

I sent a letter in may trying to resolve incorrect personal information and Equifax still has not fix this information and the name they are reporting is inaccurate and incomplete. This is my last time before taking to the next level of litigation.
Product: Debt collection

On XX/XX/XXXX I received a letter from Mr. Cooper. Stating that they were trying to contact me see ( exhibit 1 ) - And on XX/XX/XXXX I received another letter that they were trying to get in touch with me. 

On or about XX/XX/XXXX I talked to Mr. Cooper specialist by the name of XXXX XXXX. 

On XX/XX/XXXX i received a notice from XXXX XXXX XXXX XXXX on behalf of Mr. Cooper. 

Mr. Cooper claims XXXX  rights in XX/XX/XXXX. 

But still in XXXX Mr Cooper was created a Fraudulent assignment on XX/XX/XXXX Mr. Cooper claimed servicing rights of my mortgage created an assignment again dated XX/XX/XXXX. 

Assignor : XXXX XXXX  XXXX XXXX by his attorney in fact XXXX XXXX XXXX  assignee XXXX XXXX XXXX XXXX XXXX XXXX, as trustee for residential accredited XXXX XXXX XXXX   back asset backed pass-through certificates series XXXX - XXXX Please see Exhibit ( B ) The assignment was notarized and signed on XX/XX/XXXX when Mr. Cooper claimed to have servicing rights. On that notice they stated a debt in the amount of {$310000.00}. 
They also stated the name of the creditor is XXXX. ( See Exhibit 3 ) Then on XX/XX/XXXX i received a letter from XXXX Hawaii stating the debt amount is {$420000.00}. 
( See Exhibit 4 ) On XX/XX/XXXX I sent XXXX Hawaii a dispute letter via certified mail. XXXX received and signed for it on XX/XX/XXXX but they never responded. 

( See Exhibit 5 ) On XX/XX/XXXX Mr. Cooper retain XXXX  Hawaii to file a complaint for Declatory relief and mortgage foreclosure Without any legal standing nor any rights to collect payment. Now I received a letter dated XX/XX/XXXX that Mr. Cooper is transferring the servicing rights to XXXX XXXX  XXXX  servicing affective XX/XX/XXXX. 
See ( Exhibit 7 ) On XX/XX/XXXX I received a statement from Mr. Cooper stating the loan is delinquent 2818 days. And its past due since XX/XX/XXXX and you have not yet made a full contractual payment with Mr. Cooper. I never made any payment to Mr. Cooper Mr. Cooper had no legal rights to collect. 
Mr. Cooper deliberately made up fraudulent assignments. Mr. Cooper. also had XXXX loan servicing make up fraudulent assignments in XXXX to try to create legal standings. 
It is a federal crime to create fraudulent assignments of mortgages and try to record these assignments in the state of Hawaii land court system. 
Nationstar is fraudulently trying to create a real estate mortgage backed security and now theyve assigned it to XXXX. 

I believe its a federal crime to fraudulently create mortgage or real estate mortgage backed securities when it never took place. 

Mr. Cooper fraudulently tried to assign my mortgage to XXXX XXXX  with no legal rights. 

I would highly recommend the consumer financial protection bureau to investigate Mr. Coopers fraudulent activity for creating fraudulent mortgage backed security assignments to be recorded in the state of Hawaii Land Court.

It is unlawful for companies like Mr. Cooper to flood our bureau of conveyance in the United States with falsified fraudulent documents.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent inaccurate and false information consists of a Auto Loan account opened at XXXX XXXX on XX/XX/XXXX under the account number # XXXX, a Credit Card account opened at XXXX on XX/XX/XXXX under the account number # XXXX, A Charge Card account opened at XXXX on XX/XX/XXXX under the account number # XXXX, a Credit Card account opened at XXXX XXXX XXXX XX/XX/XXXX under the account number # XXXX, and a Credit Card account opened XXXX XXXX XXXX on XX/XX/XXXX under the account number # XXXX. These accounts have resulted in several fraudulent hard inquiries and derogatory accounts appearing on my consumer FICO credit report. I've attached a list of the hard inquiries as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned hard inquiries or accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned hard inquiries and accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.
Product: Debt collection

I never open an account with these companies and I believe the accounts are fraudulent : 1. XXXX XXXX- an account was open on XX/XX/2019 for amount {$1100.00}
Product: Credit reporting or other personal consumer reports

TRANSUNION HAVE BEEN REPORTING INACCURATE INFORMATION AND ACCOUNTS FOR MONTHS AND EVERY TIME I DISPUTE ANYTHING THEY COME BACK ACCURATE AND IM TRYING TO WONDER HOW WHEN THE OTHER CREDIT COMPANIES DONT EVEN REPORT THE ACCOUNT ON THERES. IM TRIED OF GOING BACK AND FORWARD WITH THIS COMPANY THATS HARMING MY CREDIT I DESERVE TO HAVE A CREDIT REPORT THATS TRUE AND ACCURATE AND I WANT THIS TO BE CORRECTED ASAP.
Product: Credit reporting or other personal consumer reports

This evening, I found erroneous accounts on my credit report, and I'm clueless as to why. I routinely check my credit report, but this time I noticed unusual discrepancies. I refreshed my browser to check if it was a temporary issue, but the errors persisted. Consequently, I ask that the documents I've provided be examined meticulously to prevent future concerns.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for 3 Credit Bureaus ( learned through more research both parties require ). Please block/remove these files as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXXXXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Debt collection

I have never had a XXXX phone bill and now a collection company has hit men out after me. Also the XXXX car loan is not accurate. The car is paid for
Product: Checking or savings account

I filed a unauthorized transaction claim on XX/XX/XXXX, Sent them everything they asked for, it is 113 days later and i havent gotten my money back or even a single update, in a email they have sent me i was told that it will be resolved in maximum 90 calendar days, let me state again it has been 113 days! all of my money is gone and they are not doing a single thing about it and are not even updating the dispute in the legal time frame the fdic has given them!!!!! PLEASE HELP I JUST WANT MY MONEY BACK.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX XXXX in XXXX nc to test a car on XX/XX/2023. I was asked to give my information including address and social security number. I wasn't advised that they would check my credit but I had an alert pop up on my XXXX XXXX app that they did check it. I never gave permission for them to check my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was related to my XXXX XXXX XXXXXXXX credit. I am disputing the inaccurate information listed on my XXXX and Experian credit reports. XXXX XXXX XXXX  is the reporting party for XXXX XXXX XXXXXXXX has sent inaccurate info to the two listed Bureaus. 
I will list the inaccurate information topics that are on my credit report. 
My report has : Date of last activity : XXXX has a date ofXXXX Experian has the date of XX/XX/XXXX Date account opened : XXXX has a date of XX/XX/XXXX Experian has the date of XX/XX/XXXX Date account closed XXXX has a date of XX/XX/XXXX Experian has no date Neither XXXX or Experian have a First date of Delinquency I have spoken to XXXX XXXX XXXX XXXX XXXX as both XXXX and Experian to discuss the inaccurate info on my credit report. I would like the account to be deleted or to be changed to paid as agreed with no late payments. I have asked XXXX XXXX XXXX  to send me the documentations containing the above listed dates with regards to the above topics. In talking to XXXX XXXX XXXX  I was verbally advised that dates are different with the two bureaus but that is based solely on credit bureaus inputting. I spoke to both bureaus and they advised me that they only input the info given to them. I would like to know why dates of the above topics are different with each bureau. I have attempted to fix the issue with all parties involved.
Product: Credit reporting or other personal consumer reports

I am writing to express my profound disappointment with the ongoing presence of fraudulent account on my credit report. Despite reporting the case of identity theft and contacting the respective companies associated with this fraudulent account, they have failed to provide the necessary records. However, they assured me that upon submission of the required FTC report, the fraudulent accounts would be promptly removed. 

This account requires your immediate attention : XXXX XXXX XXXX. 

It is important to note that both XXXX and XXXX have already removed this account from their records after identifying and rectifying an error. I find it perplexing that your bureau continues to verify this account when other agencies have already addressed the issue. I urge you to promptly remove this inaccurate, erroneous, incomplete, or unverifiable account from my file.
Product: Credit reporting or other personal consumer reports

XXXX XXXX / XXXX XXXX Last month, prior to my overseas trip, I updated my autopay bank details online. However, their system inexplicably retained my old bank information, resulting in a failed payment from the outdated account. Furthermore, XXXX XXXX unexpectedly slashed my credit card limit from {$31000.00} to {$11000.00} and reported this change to the credit bureau, adversely affecting my credit score. 

Today, on XX/XX/2024, I contacted XXXX XXXX and conversed with representative XXXX followed by supervisor XXXX. Despite my plea for assistance, both individuals adamantly refused to provide any help.