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

My consumer credit report is updating incorrectly in violation of 15 U.S.C. 1681g. I dispute the XXXX account also known as XXXX XXXX Bank in a Charge-off status and past due balance estimated to be {$10000.00}. 1 ) Statute violation : FCRA Section 623 ( a ) ( 1 ) ( A ). I am contesting the accuracy of this information and requesting that you remove the account from my credit report immediately. I believe that the creditor 's reporting of a charge-off account with a balance is a violation of the Fair Credit Reporting Act. According to the FCRA, a creditor is not allowed to continue to report a charge-off account with a balance. This violation further supports my request to have the account removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, CA XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX {$9700.00} XX/XX/XXXX XXXX XXXX {$9700.00} XXXX XXXX, XXXX
Product: Money transfer, virtual currency, or money service

I have a check cashing license and have asked for the verified information to be check and got message saying the number was not found for the company of PLS there are other operation that should be register with the number, the message came back on XXXX XXXX message came back from the operation of Ohio Department of Commerce Division of Financial Institutions XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX that the number wasn't found, I sent another detail of the company I was looking for of PLS check cashing address XXXX XXXX XXXX XXXX XXXX XXXX XXXX I notice the number and it looked like the one that was issued. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Wellsfargo fir reasons unknown after several several attempts to dispute transactions on my acount with were ach out of my account unauthorized. They refused to credit the account over XXXX was taken out of my account. I tried so many levels of help and so many departments supervisors i called and spoke to people in evry department. At the end the closed out my accounts XXXX I was left with a loss of XXXX. They refuse to fix it.
Product: Checking or savings account

I bank with Wells fargo around a month ago I saw large amounts of money was missing from my checking account. I saw my debit card was sending money through XXXX XXXX to someone. I knew it wasn't me.7 transactions in 8 days over XXXX XXXX dollars.I contact Wells fargo fraud department . They started an investigation put the money back in my account. I get a letter yesterday from them telling me all transactions were authorized or no processing error occurred. I called and requested the evidence to support how they came to this decision. I have used XXXX XXXX maybe less than XXXX times my life.I never have used an online account. Who send XXXX XXXX dollars somewhere within 7 days.I question has my identity been stolen nothing else makes sense. I canceled the card.
Product: Credit reporting or other personal consumer reports

Recently, I checked my credit report and noticed multiple billing errors under XXXX XXXX XXXX XXXX ( b ) Billing Error : ( XXXX ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of an accounting nature on a statement. 
XXXX XXXX XXXX  XXXX - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by XXXX ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than XXXX days before the payment due date.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally submit a complaint regarding Pnc Bank 's handling of a charged-off account ( Account No. XXXX ). This account reflects a charge-off amount of {$18000.00}, which has been reported as income to the IRS, according to IRS Publication 4681. However, Pnc Bank has failed to issue a Form 1099-C to me, as required in cases of discharged debt that is no longer being collected.

Pnc Bank asserts that they are still collecting on this charged-off debt, which conflicts with their reporting to the IRS. If the company is actively collecting on the account, it can not rightfully classify it as a charge-off and report it as taxable income to the IRS. 

Furthermore, Pnc Bank is in apparent violation of the Fair Credit Reporting Act ( FCRA ), under USC Code 1681. They continue to report this charge-off month after month on my credit report, despite their claim of actively collecting the debt. This raises concerns about their accuracy in both IRS reporting and compliance with credit reporting standards. 

I am requesting the following actions : Immediate Removal of Charge-Off Reporting : If Pnc Bank is actively collecting on this account, it should no longer be reported as a charge-off to either credit bureaus or the IRS. 

Investigation of Potential Fraudulent Practices : I believe Pnc Bank 's actionsreporting this debt to the IRS while still attempting collectionmay constitute fraud under Publication 4681 guidelines. 

Clear Documentation or Issuance of 1099-C : If Pnc Bank does indeed consider this debt discharged, they must issue a Form 1099-C promptly to reflect it correctly. 
Additionally, I am contacting the IRS regarding this matter to request a thorough investigation into Pnc Banks practices of potentially misrepresenting discharged debts as ongoing charge-offs while also declaring them as income to the IRS. 

I urge the CFPB to escalate this matter for immediate review to ensure Pnc Bank complies with all applicable laws and regulations. Thank you for your prompt attention to this serious issue. 

Sincerely, XXXX XXXX XXXX XX/XX/2025
Product: Credit reporting or other personal consumer reports

I received information from another credit monitoring system, my personal information was shared on the dark we. Then i noticed inquires that I'm not familiar with, so please remove them. 

XXXX XXXX XXXX XXXX XXXX New Address : XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX # XXXX
Product: Debt collection

I received communication in XX/XX/2019 that there was a loan outstanding in my name ( XXXX XXXX XXXX ) as well as my wife 's name ( XXXX XXXX XXXX ) from an UPLIFT.COM. My wife and I *never* apply for loans online ; we believe that it's something that needs to always be done in person. Furthermore, I have alerts on our 3 major credit bureaus that due to our excellent credit and perceived high net worth, we tend to be a victim of Identity theft. 

I shared this in a letter back to Uplift and heard back from them today ( almost 2 years later ). They've " transferred '' my loan, they claim, to another fintech/bank. So now my personal information is in two places I don't need it to be, not just one. 

The XXXX have been largely a self-policing community but identity theft, and not taking it seriously enough to stop it in it's tracks, is a violation of the FCRA along with several local laws in my jurisdiction ( Texas ). I seek to have an investigation open on this XXXX company - a startup, who's selling fraudulently obtained data ( like mine ) as underperforming loans in order to generate revenue. It's the sad side of capitalism that needs to be addressed firmly and immediately, especially given what many of our families have been through with COVID-19. This XXXX ( Uplift.com out of XXXX XXXX, California ) have gotten " looser '' with compliance issues, not tighter - when they should be doing the opposite.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi Team, I have never applied to any credit card other than XXXX. But I see lot of enquiries from below vendors. These all requests are not placed by me. It 's a fraud or mistake that has happened. Due to this my XXXX XXXX XXXX XXXX request was declined. Please help me removing below information : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

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 Dispute of Collection Account XXXX XXXX  and Demand for Validation. 
To Whom It May Concern, I am writing to formally dispute the collection account XXXX XXXXXXXX reported by your agency on my consumer report. I have noticed several legal violations concerning this account that require immediate attention and rectification. First and foremost, your agency has failed to provide the validation information required under XXXX CFR XXXX ( b ) ( XXXX ). Despite this, you have proceeded to place the collection account on my consumer report. This is a clear violation of my rights as a consumer under federal law. Furthermore, I have not been given the opportunity to dispute the account in accordance with XXXX CFR XXXX ( c ) ( XXXX ) ( i ). This omission deprives me of the essential right to contest the validity of the debt before it is reported, thereby undermining the fairness of the debt collection process. Additionally, your actions constitute the use of false, misleading, and deceptive means to collect a debt. This violates my consumer rights and is unacceptable. It is imperative that your agency adheres to ethical and legal standards in all collection activities. Your agency also lacks the authority to furnish any account information to consumer reporting agencies without providing all the required disclosures by law. By failing to do so, you are in clear violation of XXXX CFR XXXX ( d ) and XXXX XXXX XXXX ( a ). These statutes mandate specific disclosure requirements to ensure the accuracy and integrity of the information reported to consumer reporting agencies. Given these violations, I demand the following actions be taken immediately : XXXX. Cease all collection activities related to this account until proper validation information is provided. XXXX. Remove the disputed collection account from all consumer reporting agencies to which it has been reported. XXXX. Provide a complete and detailed validation of the alleged debt, including all information required under XXXX CFR XXXX ( b ) ( XXXX ). XXXX. Ensure compliance with all applicable federal laws in future communications and reporting activities. 
Per XXXX XXXX G you are required by law to XXXX ) I would like you to send me a detailed list of the history of the payments made by me on this account ... XXXX ) My signature that I put on a contract agreeing to pay this creditor. XXXX ) Has there been any insurance claim filed on this debt? XXXX ) Proof that you have chain of title to collect on this debt. XXXX ) Requesting you to furnish proof that you are licensed and bonded .. XXXX ) I am also requesting the purchase agreement between you and the original creditor.. 
I expect a response within XXXX  days of receipt of this letter, confirming that the necessary actions have been taken. Please send all correspondence to the address listed above. Thank you for your prompt attention to this matter.
Product: Checking or savings account

XX/XX/XXXX chase held check, restricted account, verified check with employer, unrestricted account but held deposit. XX/XX/XXXX deposit released, bank manager verified check with employer. Later on same day restricted account again. Said employee at company stated fraud. Manager verified check for a XXXX time, fraud department still kept restriction. Filed complaints last week of XXXX with CPFb, and FDIC, contacted by executive office from chase who stated employee at company claimed fraud but they had not spoken to the owner of the company. They could not tell me who. Owner stated on XX/XX/XXXX chase has never contacted him except for XX/XX/XXXX during initial verification. If chase is calling the number on the check they are speaking with the receptionist who does not handle any accounting within the company. XXXX closed account. Chase representatives stated I would receive a cashier check, then stated my employer will receive the funds, Representative now states on XX/XX/XXXX neither myself or employer received anything, XX/XX/XXXX that chase will keep funds for a year before releasing funds to the state. Neither myself or employer will receive funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to verify information for a collection account for a medical account that appears on my Experian credit report but have not received the information that i requested to verify this information.I sent a letter asking for information and pro of on  X/XX/2017  a nd received a response from Experian that they had verified. Then sent another letter to the collection agency for debt validation on  XXXX  which they received on  XXXX  .I  have not received a response from the collection agency to verify the debt.I then sent another letter to Experian on   XXXX   which they received on   XXXX   to remove this debt because I had not received a valid response from the collection agency Experian is  the only one  reporting this UNKOWN medical account and the only response they have given is a request that I provide the collection agency with the data that they do NOT have and were unable to verify. I would like this account removed as I have not received proof of this account as requested with communication with Experian. I also have letters and tracking numbers to when the letters were sent and when they were received. I look forward to having this resolved.
Product: Credit card

I purchased an item on XXXX using AfterPay. That item was supposedly held at customs and has not been delivered. I reached out to XXXX and explained that the package was showing as undeliverable due to it being held at customs. XXXX refused to issue a refund so Ive tried filling a dispute with AfterPay. AfterPay has ignored my requests and Im unable to make contact with their customer service to file a dispute.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the following accounts that appear on my credit report : XXXX  / XXXX  Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX  Account # XXXX In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, my rights as a consumer have been violated in relation to these accounts for the following reasons : Violation of Privacy : Section 602 ( a ) of the FCRA clearly states that I have the right to privacy. The presence of these accounts on my credit report infringes upon this right, as I have not given consent for their inclusion.

Unauthorized Disclosure : Section 604 ( a ) ( 2 ) of the FCRA states that a consumer reporting agency may only furnish information with my explicit written consent. I have not provided written instructions or authorization for these accounts to be reported.

I request that the CFPB investigate these accounts and take appropriate action to ensure compliance with the FCRA. Specifically, I request : The immediate removal of the disputed accounts from my credit report.

Documentation or evidence showing that proper authorization was obtained for these accounts to be reported.

Attached, you will find copies of my identification and supporting documentation for your reference. I request a prompt response regarding this dispute, and I am prepared to pursue further action if necessary. 

Thank you for your time and attention to this matter.
Product: Money transfers

I did an online money transfer to Western Union in the amount of {$500.00} ; which was paid through my bank and funded onXXXX/XXXX/15. One day after, I called just to make sure that they receive he money I wired and I was told that I can go ahead and tell the receiver in the XXXX that the money can be picked already. My aunt who is senior citizen had been back and forth to the pick up location in XXXX and was told that the money is " held " by the sender. I had made XXXX other calls to Western Union and each time they told me to be rest assured that the money can be picked up already. I called again today and low and behold I was told that it 's till in progress! This is ridiculous and very dishonest not counting the hassle it caused to my family.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following fraudulent accounts from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and these accounts were not authorized by me. They must be removed immediately. 
The fraudulent accounts are as follows : XXXX XXXXXXXX XXXX - XXXX - XX/XX/XXXX - {$4700.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$380.00}
Product: Mortgage

This is an amendment to XXXX complaint with additional information. Ditech financial LLC failed to respond in a timely fashion to a request for financial relief. A request for paperwork was submitted in XXXX XXXX and no response was received until XXXX XXXX XXXX. By this time they had already filed for foreclosure. In addition, no assistance was offered whatsoever in avoiding foreclosure. I was nothinking offered a forbearance or any other type of assistance as required by law. On several occasions a pay off letter was requested the latest being on or around XXXX XXXX, XXXX. To this day I have not received this paperwork. I offered a deed in lieu of foreclosure and even this was denied. I mentioned we were attempting to sell the house and was advised I needed a realtor to do so. There is no statutory requirement to hire a realtor to sell a home. One an offer was received and faced to them twice they claimed they never received it. Yet other paperwork including a POA type of order was faxed to the same number and that was received just fine. The offer was not a short sale but enough to payoff the debt. They also increased the interest rate from 2 % to 3 % after default. This practice is absolutely prohibited. In the end and 2 days prior to the auction I again reached out and stated I had an offer that would be closing on the XXXX XXXX, auction was XXXX XXXX, I was advised by XXXX that there was nothing I could do and that the home would be sold in 2 days. She went on to say I should n't have waited until the last minute. When I had been talking to them for well over a month prior. They continue to attempt to collect on a second mortgage even after the foreclosure and even after a prior chapter XXXX bankruptcy. I ask for immediate relief and that Ditech be held accountable for its unethical if not illegal activities.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I had noticed that a previous bankruptcy was reported to the bureaus without my consent nor permission. This has violated my right to privacy. I mailed a letter to LexisNexis to advise them of this and I have not yet heard back. The bankruptcy was a chapter XXXX, filed in XXXX and voluntarily dismissed in XXXX. This has threatened my ability to find an apartment that will accept me although all of my debts have been paid. I have been trying to find an apartment for my kids and myself and no one will accept me due to the bankruptcy that I entered into voluntarily and dismissed voluntarily.
Product: Student loan

I received my XXXX in XXXX, XXXX in XXXX and injured at work in XXXX. I am unable to pay the XXXX of student loans since I have n't been working. Please email the process, links and information to file for the lawsuit against XXXX. 

Thank you for your prompt attention to my request. 

XXXX XXXX XXXXXXXXXXXX XXXX
Product: Debt collection

My name is XXXX XXXX and I had a XXXX XXXX XXXX XXXX Credit Card years ago and I fell behind on payments and now i 'm receiving a letter about a judgement filed XX/XX/XXXX from a person saying he works with the law firm Roach and Murtha I paid on the bill as long as I could in the XX/XX/XXXX i was going through economic hardships. why are they sending me a letter about this now 18 years later? Can you look in to this please? the address from the letter is Roach and Murtha attorneys at law, P.C. XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX Phone ( XXXX ) XXXX and the person also called me wile I was at work and i could n't answer the phone and left a message a message about any information he collects is for the purpose of debt collection. and he also sent a letter to seize property and any bank account I may have
Product: Debt collection

I filed for bankruptcy back in 2009. Citi mortgage continues to send notices, call my phone incessantly at all hours and days of the week. 

I have spent countless hours with them on the phone holding to be transferred to different departments, sent letters with copies of my chapter XXXX filling listing them as creditors and yet it 's been 7 years and they continue to write me.
Product: Vehicle loan or lease

To : Ford Motor Credit Since Ford Motor Credit is the bank, I was approved for financing I would like Ford Credit to answer me and the Consumer Financial Protection Bureau what Ford Credit is agreeing with XXXX XXXX XXXX of XXXX with? That is on page three, as it states on page three under Federal Notices If appliable to transaction, to help the government fighXXXX XXXX  and money laundering activities, Federal Law requires financial institutions to obtain, verify and record information that identifies each person who opens and account. Please explain exactly what is being said in very descriptive Essay to The Consumer Financial Protection Bureau and myself, XXXX XXXX XXXX? 
Furthermore, under Federal Notices it says, What this means for you is when is that you will be ask your name address, birth date to identify you, you may also be asked your driver 's license? That does not even come close to explain what the top half of the paragraph meant. Why the confusion and delusion? On Document labeled attachment XXXX XXXXXXXX XXXX states I ask for the interest rate after he went over different options. Now wouldnt I have asked for the rate at the first option? 
Second Point 9.5 % APR for a car loan at my exception credit ( credit bureau summary attached His he, are even you guys out of your mine? 
Third Point why did it take all day ( approximately 15 minutes ) to get down to 6.39 %? 6.39 % should have been the first and only option. 
Fourth point, on page one how did XXXX XXXX get my social security number? I did not give it to him. I do not carry my social security card in my pocket. I have not needed it in years and years. 
Fifth point, what does Ford Credit mean by they can not comment on explicit or implicit comments made by customer and dealer. I never said anybody said anything verbally. Now obviously XXXX XXXX XXXX of XXXX reported to Ford Credit that either customer and or dealership said something explicit verbally and I want to know what was said to Ford Credit by XXXX XXXX of XXXX in their last Consumer Financial Protection Bureau report.