23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I urge you to promptly assist in removing the fraudulent information from my credit file. This data should have been removed already, as it is a result of fraud, yet it remains. Under FCRA Section 605, you are obligated to delete any incorrect records. I have already submitted the required supporting documentation, which I am providing once more. My attorney has been informed and is ready to take legal action if this issue is not resolved without further delay. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, IL XXXX XX/XX/year> XXXX XXXX XXXX XXXX  XXXX XXXX XXXX NY XXXX XXXX/XXXX XXXX Balance : {$0.00} XXXX/XXXX  XXXX Balance : {$1400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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

XXXX, Experian, and XXXX continue to report a balance on the account XXXX XXXX XXXX that is inaccurate. The account has been paid in full and should reflect as such. XXXX, Experian, and XXXX are violating federal law by willingly reporting this account inaccurate and in a manner that is not consistent with the law. I have equitable interest in my estate and making such allegations without verifiable proof that I am indebted to this alleged financial institution is causing me damages and preventing me from participating in interstate commerce which is my unalienable right.
Product: Mortgage

On XX/XX/XXXX, I requested to have my taxes and insurance removed from my escrow account with Caliber Home Loans. I received a response that my loan-to-value ratio is above 90 % ( for California ) This is a impossibility. I purchased my home in XXXX for the appraised value of {$400000.00}, after a {$20000.00} downpayment my original loan was totaled at {$370000.00}. My current principal is {$360000.00}. In order for my home to be higher than the 90 % ratio, my home would only be valued at {$400000.00}. Implying that in 3 years my homes value only increased {$1800.00}. 

Their own loan officer appraised my home value at {$430000.00} in XX/XX/XXXX while I was seeking out information to possibly refinance and my country tax accessor values the home at {$450000.00}. 

I presented this information to Caliber and re-requested the removal of taxes and insurance, in XX/XX/XXXX and I was yet again denied. Stating once again that I was above 90 %. 

I have ran out of options, and I feel that the mortgage company is stonewalling me on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give written consent to have such accounts on my consumer report pursuant to federal laws as a federally protected consumer.
Product: Vehicle loan or lease

XX/XX/XXXX I received a XXXX XXXX XXXXXXXX XXXX from MEI automax in XXXX XXXX for approximately {$17000.00}. I got the payments down to {$7600.00}. MEI automax added {$2400.00} to my loan which brought it up to XXXX. XX/XX/XXXX I called MEI and spoke with a lady named XXXX. She advised me to not worry about the {$2400.00} added to my loan because it shows in her system that I only owe {$7600.00}. I called again and spoke with a manager. He told me that I'm getting charged approximately 4-5 dollars a day of interest, that's why my loan is going up. I have never missed a payment. I use " XXXX '' to see my loan balance. My payments also have gone up. I was paying {$170.00} every two weeks. Now I'm paying {$220.00}.
Product: Debt collection

I was told that I owe a debt and I believe that it is a case of mistaken identity or identity theft.
Product: Credit reporting or other personal consumer reports

I recently disputed XXXX account # XXXX with Equifax. according to Equifax the account come back updated. Im not sure what was updated because this account is still reporting inaccurate This account is reporting as a charge off account but there are no late payments being reporting at all of the payments are reporting on time there also is missing data. Its my understanding that all accounts are to be reported complete and accurate. This is clearly a violation FCRA. I would like for Equifax to send me what they used to verify this account within the next 30 days if they cant provide me with this information I would like for this account to be deleted I will attach a copy of my ID and a copy of my credit report the letter I got from Equifax stated the account was updated the last four of my social XXXX
Product: Credit reporting or other personal consumer reports

This information is very wrong, I do not recognize that it is mine, I have many problems to also have this, I want them to delete everything that is not mine XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX, and XXXX are all reporting inaccurate information on my credit profile, which is causing major damage to my credit history. The credit bureaus have stated they did a thorough investigation, but I find that hard to believe because I am still finding inaccuracies being reported. They are reporting different information, and this is illegal. If an accurate investigation was done, why are the account status, high credit limits, and dates of last activity different from the other? Shouldn't they all be reporting the exact same information if it was deemed accurate and properly investigated? I have attached screenshots along with the inaccuracies I found are highlighted. I am requesting the following account be removed immediately due to inaccurate reporting, proving the credit bureaus did not properly verify the inaccuracies that I have recently disputed.
Product: Debt collection

PORTFOLIO RECOVERY AGENCY HARASSES ME WITH NONSTOP CALLS
Product: Bank account or service

Citizens bank again charged me over XXXX in bank fees due to the fact that my checking account was XXXX over draft,, i called them and told them i would put the money in today the supervisor laughed at me and said no way i even ask if they could help me for XXXX week i having a difficult time and i had agreed to XXXX fee to be fair he continued to laugh and said no way, are these banks very corrupt and have no sympathy for the US Citizen anymore i feel they pure extortionist this is very bad for the US Citizens we do not have very many choices have banks we can go to they are all being merged and at work it is very diffficult for our office to change direct deposit policies for security prevtions please help me with this matter thankyou XXXX XXXX
Product: Credit reporting or other personal consumer reports

Transworld Collection ( XXXX ) XXXX Credit Bureau Subject : Request Regarding Late Payment Reporting and Account Closure Dear Sir/Madam, I am writing to formally address an urgent matter regarding a account with a balance of {$400.00} and its reporting to XXXX Credit Bureau XXXX Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( a ), it is required that all creditors report accurate information regarding consumer accounts. As such, if I have met all necessary obligations and have formally requested the closure of my account, it should not be reported as late. I have fulfilled all requirements per federal law and have actively sought to close this account. If for any reason the account can not be closed as per my request, I assert that it should not reflect on my credit report, as my compliance with regulations should protect me from negative reporting due to circumstances surrounding the accounts closure. I request confirmation that my account will be closed as requested or, alternatively, that you will cease reporting any late payments associated with this account. Thank you for your attention to this matter. I look forward to your prompt response. Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against XXXX for their failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681o, which addresses civil liability for negligent noncompliance. XXXX negligence in handling my credit report has resulted in financial and reputational harm to me, and I am seeking immediate resolution. 

Complaint Details : On XX/XX/year> I reviewed my credit report from XXXX and noticed several inaccuracies, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collectech Diversified, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I submitted a dispute to XXXX on XX/XX/year> ; XX/XX/year> ; XX/XX/year> ; XX/XX/year> ; XX/XX/year> via online requesting supporting documentation to prove the inaccuracies. 
XXXX failed to conduct a reasonable investigation and did not correct the errors within the 30-day period required by law. 
As a result of these errors, I have suffered financial harm, such as denial of credit, increased interest rates, and emotional distress. 

Under 15 U.S. Code 1681o, XXXX is liable for negligently failing to comply with the FCRA, causing me harm. I am requesting the CFPB to take immediate action against XXXX, including : 1Ensuring XXXX corrects the inaccuracies on my credit report. 
2Imposing appropriate penalties for their negligence. 
3Requiring XXXX to provide a detailed explanation of their investigation process and any corrective actions taken. 

I urge the CFPB to take swift action to hold XXXX accountable for their negligence. 

Thank you for your time and assistance. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

Was scammed for {$100.00} on XXXX through my PNC bank app. Someone by the name of XXXX XXXX on XX/XX/XXXX tried to get hundreds from me via refunds and creating a fake XXXX email address to receive funds. I spoke with PNC two days ago and they could not guarantee me a refund for the transaction.
Product: Money transfer, virtual currency, or money service

I applied for unemployment and opted to have my benefits direct deposit into my cash app account. I received a deposit and began to spend it. Two days later my account was frozen and I received an email stating I violated the terms of service, but no actual violation number or explanation of the violation. My account remained frozen for 2 weeks and then {$3700.00} was debited and customer service emailed me and said the money was sent to unemployment but unemployment says they never got a payment from cash app and requested a transaction number in writing. Cash app customer service stopped helping. Cash Apps parent company is : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, IA XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX Balance : {$5.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference XXXX : XXXX ; XXXX XXXX XXXX XX/XX/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: Checking or savings account

Background : On XX/XX/XXXX, I went to Wells Fargo bank branch in XXXX XXXX to close my preferred checking account that I have had for over 19 years. 

Banker discussion : XXXX XXXX XXXX ( Wells Fargo banker ) suggested : - to change my checking account from preferred to Everyday checking And after explaining to me it is best suited to my situation. 

The issue : Today I received a credit report that indicated Wells Fargo ran a hard credit check on me without notifying me. Accordingly that action has harmed my credit and lowered it by XXXX points
Product: Mortgage

Regarding Account # XXXX payment history reported to XXXX credit reporting agency. 
Based on my records, the 30 to 180-days past due occurrences reported in XX/XX/XXXX through XX/XX/XXXX are inaccurate. These payments were suspended at XXXX recommendation during the process of getting a loan modification approved. I established a very strong record of punctuality through over 6 years of payments prior to this modification period, with approximately 73 made since opening the account in XX/XX/XXXX. Any delayed payments after that were held up at XXXX behest and were through no fault of my own. This activity is a direct violation of the XX/XX/XXXXDodd-Frank Consumer Protection Act, and is punishable with significant fines. 
Furthermore, I have repeatedly disputed and requested verification and validation of this inaccurate debt for over two years now. XXXX has responded only with improper verification form letters that provide no backup documentation or proof of this debt being mine. To properly validate a debt by law, a copy of the original contract signed by and obligating me to the debt must be provided to myself. XXXX has negligently and willfully failed to validate this debt, and is in violation of sections 611 ( a ), 616, and 617 of the FCRA, 15 U.S.C. 1681i ( a ), 1681n, 1681o, subject to a {$1000.00} fine for each instance.
Product: Credit reporting or other personal consumer reports

I notified the XXXX, that I was a XXXX XXXX XXXX XXXX and provided documentation of court order and attorney demand for action. I have ground and damages from this incorrect information being reported and considering a lawsuit. 
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 card

I got a great job got a credit to help out just in case I was making payments on my card lost a family member and loss my job due to my attendance at work they close my card out and its been affecting my score I want to start out fresh now I understand and can manage my money better
Product: Checking or savings account

My family member that I care for and did her banking, laundry, made apts for, care for, and cook for her and ect passed away on XXXX Her son had left her his retirement check when he passed away on XXXX The check is in the amount of {$1500.00}. And it needs re issue and deposit in her account to cover the negative balance of {$1700.00} when her annuity was recalled on XXXX and we pay the difference. 
We don't want to close the account out immediately XXXX might still release the funds again. We have death certificate and XXXX  paper work. What does Truist bank need?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Date : XX/XX/2022 Dear XXXX XXXX XXXX  l, First Name & Last Name, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX. Account Name : XXXX XXXXXXXX Account Number : XXXX 15 U.S.C 1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
Delete this account immediately, unless you want to be held {$1.00} XXXX per violation XXXX. Account Name : XXXX XXXXXXXX Auto Account Number : XXXX 15 U.S.C 1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
Delete this account immediately, unless you want to be held {$1.00} XXXX per violation Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( 12 CFR Part 1022 ), the accounts and inquiries listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 ( a ) ( 4 ) and 15 U.S.C. 1681b ( a ) ( 2 ). 

Accounts : XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I never expressed a written or verbal consensus granting TransUnion permissible purpose to publicly report the listed accounts and inquiries. This infringes upon my privacy and rights per the Fair Credit Reporting Act ( 12 CFR Part 1022 ), 15 U.S.C. 1681b ( a ) ( 2 ), and 15 U.S.C. 1681 ( a ) ( 4 ).
Product: Debt collection

XXXX XXXX XXXX and XXXX XXXX violated The Fair Debt Collections Act in the following ways : 1. Threatened to take legal action against me if I did not pay the debt from 14 years ago. Via calls and texts XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 2. Continued to make calls and texts to my family members after making contact with me. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 3. Threatened my family members with legal action if they didnt give them information. Via calls and texts XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 4. Threatened to contact my employer via text. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 5. Gave my family member information about the debt. 
XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, a consumer and customer of this financial institution, have a right to privacy pursuant XXXX XXXX Code XXXX ( XXXX ) ( XXXX ) and XXXX XXXX XXXX  XXXX ( XXXX  ) as it speaks on my individual right to privacy. My private information regarding this account has been furnished without my lawful authority or my written consent. I am aware that my written instruction is needed to furnish any information to a consumer reporting agency. No lawful authority or written consent constitutes Identity theft in accordance with XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) ( XXXX ) and similar to XXXX XXXX XXXX XXXX XXXX, which is a fraud committed or attempted using the identifying information of another person without authority. I have not given my written lawful authority for this information to be furnished. 
I am aware that in accordance with the XXXX XXXX, I, the consumer have the right to know where and how to direct disclosure of my nonpublic information and should have been given an explanation of how to exercise that nondisclosure option. I have not received such an explanation. 

Please provide the written instructions that I, the consumer gave to XXXX XXXX XXXX which has authorized this furnished account. If you can not provide me with these instructions written by me prior to this notice, this has been a fraudulently made consumer report using my identifying information and account XXXX XXXXXXXX XXXX XXXX must be deleted from all consumer reporting agencies immediately. 

This is my written instruction to opt out of credit reporting for this account. If my instruction to opt out of credit reporting can not be honored, I request a statement on your companys letterhead signed under penalty of perjury stating why it can not. 

I am aware, the making of any false, fictitious, or fraudulent statement or representation to a customer of a financial institution such as reporting inaccurate information is a direct violation of XXXX XXXX XXXX XXXX ( XXXX ) ( XXXX ). I am also aware that whoever violates XXXX XXXX Code XXXX such as a false, fictitious, or fraudulent statement or representation to a customer of a financial institution will be held liable under XXXX XXXXXXXX XXXX  XXXX ( XXXX ) to fines under Title XXXX XXXX XXXX with fines up to XXXX for a felony by an organization or imprisoned for XXXX years or both. 

Sincerely, XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting dates are absolutely wrong on my credit report Date last active and the date last reported are 2 different dates and that means its a violation and in my legal rights I can take legal action this is why Im making a complaint for inaccurate items on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXXXXXX 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

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX