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

My name is XXXX XXXX. I am contacting you regarding a closed credit card account I opened with PNC Bank in XX/XX/XXXX. The purpose of this letter is to inform you that PNC Bank placed an item on my report, which is negatively affecting my credit score while I was, and still am, on XXXX XXXX in the XXXX. PNC Bank placed this negative item on my report and failed to remove it after the situation was resolved. I wrote letters to PNC banks escalation and credit report departments. I wrote letters to XXXX, XXXX, and XXXX reporting agencies. I paid XXXX XXXX XXXX to send letters to the credit bureaus to have them request the investigation in early XX/XX/XXXX to remove the 60-Day late payment XX/XX/XXXX listed on my credit report. 

In short, I was notified by PNC Bank in XX/XX/XXXX that someone was making payments towards my credit card balance and that this individual had been unknowingly making payments to my credit card account for the last 6 months because he thought he was paying his credit card account. I was confused when I heard this because I thought the automatic payments I set up had been deducted from my personal checking account on a monthly basis, which was not the case. In XX/XX/XXXX, I received a phone call from PNC outlining the circumstances and what was happening. PNC representatives told me I needed to make a payment of {$200.00} at that time in order to make my account balance current. The Bank apologized for the mix up, which, neither myself nor the other individual, were aware of for the 6 months this was happening. I then paid PNC Bank the {$200.00} and re-enrolled in the automatic payment program and the situation was, at that time, seemingly resolved. Though this situation was resolved, the Bank placed a 60-Day Late Payment effective : XX/XX/XXXX on to my credit score. This was a mistake PNC Bank made in confusing my account with another customer. 

My credit score was XXXX in XX/XX/XXXX and then it dropped to a XXXX as a result of this false report. I am asking you to provide justification for why that negative item is still on my report and to remove it immediately. Under the fair credit reporting act, please provide the reason you listed this negative item on my report and please remove this negative item from my report immediately. PNC Bank did not demonstrate clear permissible purpose in accordance with the Fair Credit Reporting Act before releasing my credit report. PNC Banks negligence and failure to correct the errors outlined above have adversely affected my credit score and prevented me from qualifying for a home loan. I respectfully request your immediate assistance to rectify this situation. Please contact the data furnishers and investigate this problem and remove the negative item. I will take no time in detailing the second and third order affects my fair credit score has had on my financial health as a result of this inaccurate report.
Product: Money transfer, virtual currency, or money service

XXXX was transferred from my acct to someone else. There was no verification and the amount sent was XXXX. It was on XX/XX/year>. Transfer was from my bank of America acct. A police report was filed and bank of America was called. Bank said they couldn't do anything and I am still trying to collect the money via Court. From the person who got the money
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several documentation to Equifax regarding my credit report the information is still on my report, ive provided mailing and documentation from the creditors and they still have not removed the information ive advised im a victim of fraud along with paperwork from ftc
Product: Debt collection

We currently cant come to and agreement due to the contract fraud that XXXX  XXXX XXXX XXXX XXXX provided to me, so call on the behalf of Exeter finance.Deceptively just coming into the knowledge of contract I realized the car was payed for through my signature as well as my social.I also investigated the fact that there is no date where they randomly appear on the so call contract They also send a police to a civil matter while trying to pull a repossession in which the police even realized they were wrong because they breach the piece of my home with neighbors all watching.which is illegal
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope these disputed items are updated XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hello these companies has been reporting fraudulent accounts. Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX and Transunion Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

This is according to Fair Credit Reporting Act. XXXX account 4207 15 USC 1681 602A I HAVE A RIGHT TO PRIVACY 15 USC 1681 604a sec 2 States consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I submitted a complaint to these Bureaus a month ago, yet the erroneous information on my report persists. I have not received any updates from the Bureaus, apart from your notification indicating that the company has addressed my complaint. How can I be assured that they have conducted a thorough investigation into the inaccuracies on my report? What procedures were utilized to verify the accounts? This entire situation is exceedingly frustrating. Over XXXX days have passed since I lodged my complaint, and the disputed accounts remain unchanged. If this issue is not resolved, I will be compelled to pursue legal action due to the significant stress it has caused me. Additionally, I am worried about the security of my personal information, which has been compromised by the XXXX, Experian, and XXXX data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

I payed my total balance of {$4600.00} on XX/XX/XXXX to make my J.P. Morgan and chase credit account payed in full and in good standing. On XX/XX/XXXX I received an e mail from XXXX XXXX who I have my mortgage threw, stating that their was a change in my FICO credit score. Upon checking my score I was shocked to see that it had dropped 25 points. When I called J.P. Morgan and chase they informed me that my credit limit had dropped {$4500.00} dollars from {$5000.00} to {$500.00} dollars and the person I was talking to didnt have the information explaining the change. I was also never informed by the creditor that these changes were made. Since then I closed my account with J.P. Morgan and chase and am filing this complaint. Since that time my credit score has dropped another 47 points. This is completely outrageous and has absolutely ruined my credit, my score is now in the 500s after paying my balance in full. This should be illegal, I have had this account with J.P. Morgan and chase since XXXX and have never given them any reason to absolutely destroy my credit when the whole reason I was paying my balance in full is to get my credit score as high as possible so I could apply for a business card to help my business. I feel as though this practice if it is a common one is criminal and should be punishable by law. If you allow an account holder to have a allowance of {$5000.00} then you should not be able to change their limit and adversely affect their credit utilization when an account holder pays their balance in full, you should not legally be able to make these changes. If I find that what happened here was of fact illegal I will be prepared to take legal action. Especially since this incident took place during a global pandemic, this whole this stinks to me.
Product: Debt collection

Company CACI received a placement file from XXXX XXXX XXXX XXXX  for a past due membership fee. I cancelled in time which means the fee should not have been referred to collections. The date of placement was XX/XX/XXXX and CACI reported the item to the credit bureau on XX/XX/XXXX. CACI did not send me a validation letter or give me a chance to dispute the collection. I called the creditor and it does not connect to a live person. I emailed the creditor and they have failed to respond. I disputed the matter with CACI and instead of honoring my dispute they sent me a collection notice via email with the date as the date of our discussion. This company is illegal and is placing low balance debt directly to consumer credit report to force them to pay the debt. My credit has taken a big hit because of this. I am a college student and could not get approved for tuition.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute Results # XXXX XX/XX/XXXX Experian sent me a report and it shows that XXXX XXXX will stay till XXXX. XXXX XXXX  has responded and will have their information hidden from report. I have received the same message from all credit inquires I disputed. My list of disputes were fraud. I furnished an email that was bounced off my company email that was used.
Product: Debt collection

Cavalry SPV Debt : XXXX The company has served me with papers and issuing me. I did not acquire the debt of that company. 
The date of the charge off according to them is XX/XX/2019. 

I found out about the lawsuit through the mail by another lawyer. I checked the court and was advised that they could not give me information. They only gave me a number and the company name and advised me that I should just pay them. Sound like they were working for them. I served papers a couple months later.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit card and bank opened a credit card under my name and info. It has shown up on all three credit report bureaus. Contacting XXXX XXXX XXXX XXXX XXXX would not help with the fraud. Credit card from XXXX was opened XX/XX/2022. Showed up on credit reports XX/XX/2022.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, especially in light of the recent CFPB lawsuit, which highlights significant issues with the platform. Despite using Zelle multiple times and reporting discrepancies, both my financial institution and Zelle failed to investigate my claims adequately. I was informed that recovering lost funds was impossible and that tracking these transactions was unfeasible. 

The CFPB 's findings reveal that Zelle has not only failed to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is deeply concerning and raises serious questions about consumer safety. 

I urge you to address these issues and take the necessary steps to ensure Zelle is held accountable for its role in protecting its users.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their abily with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XX/XX/year> Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Product: Credit reporting or other personal consumer reports

Two XXXX XXXX Accounts appear on my Transunion Credit Report. Both XXXX XXXX accounts are due to fraud and I have included FTC reports for each account.
Product: Debt collection

This company ( MediCredit, INC ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA.

Ive conducted some research on this company and in the state of Missouri this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Missouri. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Missouri Division of Finance is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises.

Rescission of Contract. Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office.

Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my God Given name ( XXXX XXXX : House of XXXX XXXX. 
1. Validation of the debt ( i.e. the actual accounting showing <house of Jennings : Markeisha> real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC ) ; 3. A copy of the original contract signed by both parties and therefore binding both parties to the agreement.

They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accourdance with the Fair credit reporting act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681 Account Number # XXXX Account number # XXXX Account number # XXXX Account Number # XXXX Account number # XXXX 15 usc 1681 section 602a States I have the right to privacy any consumer reporting agency may furnish 15 U.S.C 1681 Section 604A Section 2. a consumer report under the following circumstances and no other without my written instruction.

15 U.S.C 1681c. ( A ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than Seven years.

15 U.S.C. 1681-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to 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, credit repair services, or other personal consumer reports

On XX/XX/2018, my IDR was approved for $ XXXX monthly, however this was never applied to my account and resulted in a deliquent account by XX/XX/2018. After discovering the mistake and reaching out to XXXX XXXX, they suggested i apply for forbearance   to fix their own mistake of applying the new payment plan. This is to retroactively forbear the months of XXXX and XXXX  to XXXX of next year. This should never have been done or needed to be done if XXXX had applied the IDR correctly in the first place. Now a year later, I am still dealing with the fall out with credit agencies. 

They are reporting 36 missed payments during this period and I have started 3 disputes that XXXX has confirmed that I have these missed payments. I have no other recourse other than to go through legal means at this point.
Product: Mortgage

I submitted my third loan modification application with US Bank because they dropped me from their program due to saying that they didn't receive requested documents from me, but I did send these documents numerous times. I'm working with the US Attorney General 's office. I filed an appeal with US Banks advocacy center and was told that they would make a decision on my appeal by XX/XX/XXXX, but only received a letter stating that they received the new application for the loan modification program. I have been doing everything I can to save my house from foreclosure, but US Bank is not helping matters by refusing to accept the documents I've sent. Please help me with this matter if there's anything you can do to help me. 
Thank you, XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX
Product: Credit card

I received an email from XXXX stating there was a XXXX party verifiying my identity for a recent credit card with JP Morgan Chase in the amount of XXXX dollar limit.
Product: Credit reporting or other personal consumer reports

There are credit cards opened under my name, and I believe its fraud. 
XXXX XXXX XXXX XXXX XXXX XXXX  ) - Opened XX/XX/XXXX ; Limit : {$1000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, Phone # : XXXX XXXX XXXX XXXX XXXX ( XXXX ) - Opened XX/XX/XXXX ; Limit : {$1000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, Phone # : XXXX And there are inquiries as well : XXXX. CAPITAL ONE - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. CAPITAL ONE XX/XX/XXXX Incorrect personal information as well : XXXX. Name : XXXX XXXX - should be XXXX XXXX XXXX. Address : XXXX XXXX XXXX XXXX XXXX NY XXXX ; should be XXXX XXXX XXXX, XXXX, CA XXXX
Product: Debt collection

DEBT COLLECTOR : XXXX ADDRESS : XXXX XXXX XXXX. XXXX, FL XXXX PHONE : XXXX THIS COMPANY WAS ASSIGNED BY CREDITOR : XXXX XXXX  ORIGINAL CREDITOR : XXXX XXXX XXXX PRODUCT : XXXX THIS COMPANY IS CLAIMING THAT THEY SENT A COLLECTION BILL TO MY HOME ADDRESS ON XX/XX/XXXX FOR THE BILL FROM XXXX ( WHICH I AM COMPLETELY UNAWARE OF ). THIS COMPANY DID NOT MAKE ANY ATTEMPT TO COLLECT THIS DEBT WHICH WAS ONLY FOR {$59.00} AND NOW IT HAS AFFECTED MY CREDIT HISTORY FOR SOMETHING THAT I WOULD HAVE PAID REGARDLESS HOW MUCH WAS THE AMOUNT. I FOUND OUT ABOUT THIS CHARGE FROM MY CREDIT CARD COMPANY WHEN THEY INFORMED ME THAT THERE IS COLLECTION PENDING ON MY ACCOUNT. ERC NEVER MADE ANY GOOD FAITH ATTEMPT TO COLLECT THIS DEBT AND JUST REPORTED THIS TO CREDIT AGENCIES. 
I HAVE NOT HAD ANY DELINQUENT CHARGES ON MY CREDIT AND IF THIS COMPANY WOULD HAVE MADE AN ATTEMPT TO COLLECT THE CHARGES, I WOULD HAVE PAID FOR THEM. 
I PAID AMOUNT IN FULL AND REQUESTED THEM TO REMOVE THIS FROM CREDIT HISTORY AND ERC REFUSED TO DO THIS.
Product: Credit card or prepaid card

Citibank Mastercard did not resolve my credit card dispute of {$1100.00} with XXXX stating that Mastercard imposed strict guidelines on the time limit for investigating disputes but they did not provide those guidelines. Subsequently I have looked up Mastercards guidelines for filing a dispute and it is 120 days from the time of the charge OR the expected delivery date. As you will see from the dispute material that I sent to Citibank on XX/XX/XXXX ( on page 11 ), the estimated delivery date was communicated to be XX/XX/XXXX. Thus, I filed my complaint less than 90 days from the communicated delivery date. Citibank has drawn this out for months because they did not closely review the material that I had submitted. I filed my complaint within the XXXX time limits. I need Citibank to honor their buyer protection and refund me for this charge. Please read the submitted documentation closely!
Product: Debt collection

Received a letter from Transworld Systems Incorporated stating that I have a XXXX loan and have till the end of XXXX to sgin up for a program through them. First I've never applied for a XXXX loan. What are my options?
Product: Checking or savings account

I opened my new Citibank checking account on XXXX XXXX online. My boss XXXX me money, I XXXX  some money to my santander bank account and sent money back to my Citibank account. Used the card once to buy food. My boss gives me a check on ( XXXX ) Friday. I upload it on the app via mobile deposit. All Monday ( XX/XX/XXXX ) I attempted to get online my account while I was at work. I get home from work after XXXX call Citibank and they tell me my account is locked. I have to call fraud department. Tuesday XX/XX/XXXX I call the fraud department. They tell me they are closing my account because something was fraud with the check. I asked they what was fraud about the check. I was told They cant give further details but they closing my account and I will get a check in 30- 60 days. I explained I opened this account to hold money to move. I need this money I have to be out this apartment by XX/XX/XXXX! I can send proof. I then get told go to the branch. I go to the branch near my job and the manager on XXXX XXXX XXXX ny tells me that they have my account locked to the point my money is locked so he cant even give me a check of the money I do have in the account. I asked my boss to send me a screenshot of Citibank taking the money out of the account. If Citibank denied the check, Wheres the money? Why wasnt the money refunded? I have uploaded another check from my boss in my XXXX account and there was nothing wrong with it. So I need my money and I need answers because Citibank isnt giving me any!