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

You are reporting fraudulent information on my credit report. I ask for my XXXX debt cancellation form. I never received but you wrote off this account on your taxes. You report that debt on your taxes. By law you are reporting fraud. 

Delete this account from my credit report asap or i will report you to the irs for fraud. 

By law you are required to send my XXXX debt cancellation form, or you are committing fraud. Delete this account asap. 

XXXX XXXXXXXX {$9000.00} from my credit report.
Product: Debt collection

I have contacted Portfolio Recovery Associates ( PRA ) including but not limited to the following dates and reasons for complaint regarding a negative account they report to the credit bureaus : XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX, Re-aging an account, XX/XX/XXXX change in balance of account, XX/XX/XXXX reporting inaccuracies, XX/XX/XXXX changes to Date of 1st Delinquency, XX/XX/XXXX - Request additional information, XX/XX/XXXX request for validation of debt. They have violated FDCPA more times than I can count. Their communications state, " debt too old to sue '' yet the dates they show as support are inconsistent. They have removed and added this account from reporting to my credit file. They have changed the amount owed several times. Each time I submit a written request, regardless of the nature of the complaint, I receive the same response- a partial copy of a statement. 

Additionally, each time I have disputed with PRA, I have also disputed this account with each of the Credit Reporting Agencies ( CRA 's ), XXXX, XXXX, and XXXX. Again, I receive the same response from the CRA 's that the " account has been verified '' by PRA along with an " account information has been updated '' statement from the CRA. Every time I dispute an inaccuracy, my FICO score takes a nose dive as PRA " updates '' WRONG information. It is my belief, based on their behavior, that they knowingly and purposefully report false or inaccurate information to the credit bureaus. 

When I disputed inaccuracies in XX/XX/XXXX I received notice from the credit bureaus that they would no longer look into my complaints against PRA since the account has been " verified ''. How can an account be verified yet, each time I dispute something, the details of the account reporting change? In XX/XX/XXXX I sent notice to all 3 credit bureaus that I demanded a re-investigation into PRA 's inaccurate and false reporting on my credit reports. Upon re-investigation, guess what? The same deal, account has been " updated '' as a result of my investigation request. Each time I challenge false information, PRA " updates '' with new false information. This time they sent me a 2 line synopsis of an account showing I have a balance of {$1000.00}. YET, the " updated '' information sent to my credit bureau files shows an account balance of {$7800.00} as of XX/XX/XXXX and a last payment date of XX/XX/XXXX!  Another direct purposeful, false, inaccurate data provided from PRA. 

These ongoing direct and serious violations of the FDCPA have created a significant negative impact on my ability to obtain fair credit. As a result I have been burdened with adverse and costly credit terms or complete denial of credit for years.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$7800.00} XXXX XXXX XXXX XXXX : {$8800.00} XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXXXXXX Balance : {$25000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act XXXX  XXXX  XXXX ( FINANCE ) XXXX XXXX, XXXX XXXX XXXX XXXX ( AUTO ) XX/XX/XXXX, XXXX XXXX XXXX ( AUTO XXXX XXXX XXXX  XXXX  {$1000.00} 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 {$1500.00} XX/XX/XXXX 15 U.S.C 1681 section 602 A. states i have the right to privacy 15 U.S.C 1681 section 602 A. Section 2 : IT also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved to obtain goods, services, or cash. Kindly take out the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX : {$15000.00} ; XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXXXXXX  XXXX Balance : {$1800.00} ; XXXX XXXX  XXXX Balance : {$4500.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$73.00} ; XXXX  XXXX Balance : {$1800.00} ; XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/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
Product: Credit card

i have been the victim of online fraud. i paid a company called impact ranking XXXX on XXXX i reached out to visa for help and was told it was not a billing error. i know that it was not a billing error i told them that.this company charged me excessive fees for something i could have gotten for XXXX.they use unfair and deceptive trade practices.i told the bank i was not rendered any service or product.visa could not have looked into this to render me the decision they sent.i am XXXX XXXX XXXX and they just take advantage of the elderly.i feel my visa card should have flagged it immediately.i thought citi had no fraud liability.
Product: Payday loan, title loan, personal loan, or advance loan

I applied for a loan through UPSTART ( XXXX  ) and was denied because the company could not verify my U.S. Citizenship. I am a U.S. Citizen and XXXX combat veteran working for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. The company stated my loan was denied due to a policy stating since I was not military but worked overseas, I could not qualify for a loan until I returned which is more than 30 days, I am a victim of discrimination on a loan and will seek legal actions based on discrimination. I have already sent the company a copy of my U.S. Passport, my U.S. Driver 's License, my Veterans ID card, my mortgage statement which all state I am a U.S. Citizen and still was denied based on the fact I am working overseas  and not a current U.S. military member.
Product: Credit reporting, credit repair services, or other personal consumer reports

SINCE 2017 - THIS REPORT HAS BEEN FILED WITH FTC, FCC, ADA, FED RES, XXXX, AND THE LOCAL SHERIFF 'S OFFICE. 

PNC BANK CONSTANTLY MAILS VIA USPS MAIL TO A LAUNDRY LIST OF PEOPLE WHO ARE UNRELATED OR NEVER HAD RESIDED ( OR PREVIOUS OWNERS ) AS I AM THE 2ND HOME OWNER OF THIS PROPERTY. 

I HAVE REPETITIOUSLY MARKED THE USPS MAIL SENT BY PNC BANK MARKED AS " RETURN TO SENDER / NO SUCH ADDRESSEE '' IN ADDITION : PNC BANK CONSTANTLY CALLS ME ON THE PHONE ASKING FOR THOSE LAUNDRY LIST OF PEOPLE ( NAMES PROVIDED ON REQUEST ) ON MY LANDLINE TTY/TDD TELEPHONE, ON MY FEDERAL IP RELAY TELEPHONE NUMBER ( THAT DOES NOT TAKE INCOMING CALLS BUT MESSAGES CAN BE LEFT ON IT ), AND NOW MY OBAMA SMART PHONE. ALL THREE TELEPHONE NUMBERS. EVEN SENDING ME A TEXT AS WELL THAT IT IS IMPERATIVE TO CALL PNC AT XXXX PROBLEM? I AM NOT A PNC CUSTOMER, NEVER BANKED WITH PNC. 

PER THE SHERIFF 'S OFFICE, THE DEPUTY, DEPUTY 'S CAPTAIN, AND I WERE PRESENT AT THE PNC LOCAL BRANCH WHICH THAT BRANCH MANAGER SNAPPED AT ME FOR " STEALING PEOPLE 'S MAIL ''. NO THEY ARE MAILING IT TO ME. ALL THAT BRANCH MANAGER WOULD INFORM THE CAPTAIN AFTER LOOKING UP IN THE BANK SYSTEM THESE PEOPLE HAVE ACCOUNTS AND THEY OWE MONEY TO PNC BANK. 

HE WOULDN'T GO INTO DETAILS BECAUSE " I'M NOT THE ACCOUNT HOLDER ''. WE KNOW THAT, FOR SOME REASON, MY ADDRESS AND TELEPHONE NUMBER ( S )  ARE APPEARING IN THE SYSTEM. 

THE CAPTAIN ORDERED HIM TO DELETE ADDRESS AND DELETE MY INFO. HE SAID HE WILL DO IT RIGHT AWAY. ( OF NOTE - IT NEVER HAPPENED! ) I MAKE ALL ATTEMPTS TO RETURN THE CALL AND EVERY SINGLE TIME, PNC KEEPS TELLING ME THAT I DIALED THE WRONG NUMBER AND DISCONNECTS. I HAVE ATTACHED A PROOF OF SAMPLE AND PROOF I DO AND TRY EVERY EFFORT TO ALERT THEM.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got an email informing me I had a hard inquiry on my credit from JPMCB - CARD SERVICE yesterday. I have never, ever applied for any XXXX from this company. I want this taken off my credit history immediately and those responsible put onto the gurney for lethal Anyway, I am not happy. I appreciate your help
Product: Debt collection

I HAVE SENT A LETTER TO DNF ASSOCIATES REQUESTING VALIDATION OF THE PURSUANT 1006.34 AND CONNECTION TO 18 U.S.C. 1029 credit card fraud, WHICH THE COMPANY RECEIVED AND SIGNED CERIFTIED GREEN CARD ON XX/XX/2023. I HAVE YET TO RECEIVE ANY DOCUMENTS REGARDING THIS STOLEN INFORMATION. 



This alleged debt is disputed entirely under 12 CFR 1006.34 ( c ) ; this is a notice of validation of the debt and account opening. I have never applied for this credit card, and I do not have any knowledge of or access to this credit card. But my credit report shows you are reporting a XXXX XXXX XXXX XXXX ; I do not know how this account was opened! Once again, I do not have any acknowledgment of this card, so I can not provide any information about this fraudulent card being reported on my credit report. Please send the validation for Pursuant 12 CFR 1006.34. Please provide all documentation showing that I applied for this credit, how this credit card was used, and reflected on my credit report under my name and the last XXXX digits of my SSN. Please close out this account ; you have 30 days to respond. Since you can not validate this account, please delete this account from all three of my credit reports and send me a letter showing proof of removal to the address above.
Product: Payday loan, title loan, or personal loan

XXXX XXXX XXXX - XXXX Citizens Bank Chain of titles on address XXXX XXXX XXXX XXXX XXXX Pennsylvania ) Deed book 893 PG 190 XXXX and XXXX XXXX XXXX XXXX and XXXX XXXX XXXX reservations on minerals or oil and gas within this deed chain of titles. 

Deed book 893 PG 193 XXXX and XXXX XXXX XXXX XXXX and XXXX. 

No reservations for any minerals or oil and gas Book page 893 PG 194 second paragraph. 

Chain of titles to deed dated XX/XX/1954 and the record herewith. the said XXXX XXXX and XXXX XXXX, his wife conveyed all of their right, title and interest to and in the tract of the XXXX acres to the said XXXX XXXX XXXX and XXXX XXXX XXXX his wife parties of the first part herein. 
To have and to hold. 
On to their heirs and assigns .All right and title in the 39.7 go to XXXX and XXXX . Deed book 1269 PG 263 XXXX and XXXX XXXX To Consolidation coal company On book 1269 PG 264 excepting and reserving. All the minerals all the right title an interest within the XXXX acres deeded into XXXX and XXXX 's estate within this deed. 
1 ) 8.9 2 ) 1.613 3 ) 2.65. 

For chain of title reference Book 1269 page 266 second paragraph Again it references to XXXX and XXXX XXXX giving up all the right and title and interest into the tract of 39.7 acres Deed book 2331 page 046 This is a Deed of Surrender This releases the lease from XXXX XXXX XXXX XXXX and then surrenders a quick claim back to XXXX XXXX XXXX XXXX and her heirs and assigns.Deed book 1862 page 293 A Oil and Gas lease from XXXX XXXX XXXX, widow To The Peoples Natural Gas Deed book 1695 page XXXX XXXX XXXX XXXX to XXXX and XXXX XXXX Book 1695 page 146 third paragraph again so ownership goes into first-party XXXX XXXX XXXX XXXX XXXX title and interest in that 1954 deed book 893 page 190 Mortgage instrument number XXXX Now Citizens Bank XXXX XXXX and XXXX take ownership 100 % of the right title and interest and minerals, land and right of ways out of XXXX XXXX XXXX
Product: Debt collection

I sent a dispute on XX/XX/2018 asking XXXX XXXX XXXX to validate debt of {$180.00}. I was looking to get full accounting of the alleged debt. I received an old bank statement from Convergent and without any of the other information requested from my debt validation letter. 
Under the Fair Credit Reporting Act I have the right to demand they disclose all the documentation requested from my original letter that was sent on XX/XX/2018. I do not have a contract with Convergent. Please send bonding agent for XXXX XXXX XXXX in case if legal action becomes necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

Email received today, XX/XX/2019, from Experian showing a reduction in my credit score of -XXXX points to XXXX because of negative collection activity initiated by a company called XXXX XXXX XXXX, ( acct. # XXXX ) XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX ( XXXX ) acting on behalf of XXXX House, XXXX XXXX, XXXX XXXX XXXX ) for an account opened apparently in my name inXX/XX/XXXXand now owing a balance of {$570.00}! What's unnerving is this is the second identity fraud against me regarding a communications bill. The one I filed with you last month was from XXXX XXXX. A police report was filed and the collection was removed immediately. To add insult to injury I have a one ( 1 ) year security alert with Experian and the other two ( 2 ) credit reporting agencies, but apparently to no avail. 

Experian, without any notice to me, just reduces my credit score. And, this company, XXXX XXXX XXXX had never contacted me and when I tried calling they are only open during the week.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights. Listed are the accounts that have negatively affected my credit with improper reporting. 
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 Account XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

! 5 U.S.C 1681 section 604 A Section 2. Also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Vehicle loan or lease

Ive had this car for almost XXXX years and I STILL owe over {$3900.00}. My interest rate is OUTRAGEOUS but how else was I supposed to get a vehicle to take care of my kids? To get to work? To get my kids to daycare? They took advantage of my situation and Id like them to pay for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been checking my credit and I have found some late payments in my XXXX XXXX account # XXXX from XXXX XXXX and account # XXXX from XXXX XXXX XXXX, under FCRA,15 U.S.C 1681 I'm requesting the physical proof of these late items with according with FCRA you should have on file in order to provide one hundred percent accuracy on these report.
Product: Payday loan, title loan, personal loan, or advance loan

I accumulated a late fee from XX/XX/2023. I paid the late fee in XXXX of XXXX. The company continues too add charges from the late fee and saying it was not paid. Ive faxed supporting documentation and they have not cleared but continue to add. The reps do not take notes of previous calls.
Product: Payday loan, title loan, or personal loan

Wells Fargo Bank added a total {$33000.00} to the balance of a loan between XXXX without explanation or cause. They have been unable or wish not to explain the reason for these increases to the loan.
Product: Credit card

I have a Barclays credit card ending in XXXX, I called Barclays and told them that there is a fraud on the account and my card was lost, They still added XXXX XXXX - {$250.00} and another charge from XXXX XXXX which is {$30.00}, In addition to that they also added {$18.00} in interest. 

I don't know how many times I would have to call them as they are not doing the needful. 

There is no online platform where I can report this on their website, that's why I'm reporting this on CFPB.
Product: Checking or savings account

Please note, the closing of my account was immediately preceded by me reporting a different account as fraudulent. I have included both issues in the timeline. 

Amount in account : {$900.00} XX/XX/2023 - I reported a fraudulent account that was using my email mask. 
- Chime put a hold on my real account. 
- I emailed Chime proof of identity. 

XX/XX/2023 - Account still on hold, no updates. 
- Fraudulent account still open. 
- Sent Chime additional information about the fraudulent account. 

XX/XX/2023 - Account still on hold, no updates. 
- Fraudulent account still open. 
- Received emails from Chime directed at the fraudulent account. 
- Forwarded Chime the emails directed at the fraudulent account, re-describing the situation. 

XX/XX/2023 - Account still on hold, no updates. 
- Fraudulent account still open. 
- Emailed Chime a complaint about lack of updates and poor call center customer service. 

XX/XX/2023 - Account still on hold, no updates. 
- Fraudulent account still open. 
- Received emails from Chime directed at the fraudulent account. 
- Emailed them again about the fraudulent account situation. 

XX/XX/2023 - Informed by email that my account was officially closed on XX/XX/2023, and that I would be reimbursed within 30 days. 
- Fraudulent account still open. 
- Asked Chime about why my account was closed and re-described the situation about the fraudulent account. 

XX/XX/2023- Account closed, no updates. 
- Fraudulent account still open. 
- Received a response re-informing me my real account was closed. 
- Asked Chime again about the fraudulent account. 
- Received a response re-informing me my real account was closed. 

XX/XX/2023- Account closed, no updates. 
- Fraudulent account still open. 
- Received an email from Chime directed at the fraudulent account. 

XX/XX/2023- Account closed, no updates. 
- Fraudulent account still open. 
- Emailed Chime about the fraudulent account. 
- Posted about them on XXXX stating I was going to report them. 
- Finally received a response in my email from their social media team about the fraudulent account. 

XX/XX/2023 - Fraudulent account closed 40 days after I first reported it. 
- Real account still closed, no updates. 

XX/XX/2023- Account closed, no updates. 
- Emailed Chime asking for updates. 
- Received basic " 30 days '' email. 

XX/XX/2023- Account closed, no updates. 
- Emailed Chime asking for updates. 
- Received " we're making progress '' response. 

XX/XX/2023- Account closed, no updates. 
- Emailed Chime asking for updates. 

XX/XX/2023- Account closed, no updates. 
- Emailed Chime asking for updates. 

XX/XX/2023- Chime emailed me asking for proof of identity. 

XX/XX/2023 - Emailed Chime copies of IDs and a signed Affidavit of Identity. 
- Received copies of my bank statements. 

XX/XX/2023 - Emailed Chime asking for updates.
Product: Credit reporting or other personal consumer reports

this inquiries are reported to my credit report by someone who has my identity and all my personal information. inquiries are 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

In XX/XX/XXXX my mother ( age XXXX ) was temporarily in a XXXX XXXX due to a XXXX XXXX XXXX. At that time, my mother asked me to have a POA made for her so I can help with her medical decisions and to make a changes on her bank savings account.
She had been estranged from my sister ( her only other child ) for 3 years and decided to take my sister 's name off of her savings account at Wells Fargo. My sister had been receiving money from my mother through the years and she felt that this is what she wanted to do for me.
I was concerned about this change and decided to bring several people to her room to witness her verbalizing these wishes.
I went to the bank and made the change as the legal POA. I explained to the clerk that my mother and I were the only people to be on that savings account and told him that our names ( my mother & I ) were currently on a checking account at Wells Fargo and that the savings account should be the same.
After my mother returned home, she went to the bank and in the bank every weekend with my niece to do her banking until her death onXX/XX/XXXX In XX/XX/XXXX, I made a transfer into the savings account for {$25000.00} to consolidate some of my funds. This deposit brought the account up to {$130000.00}.
A month later, I went back to the bank to withdraw the money to transfer it to another investment.
I was told, I could not withdraw the funds because the clerk that help me the prior year and a half had made a mistake! He not only took my sister 's name off the account, he took my name off the account too, and left me on as a POA. As a POA my name died with my mother!
I must reiterate, at the time of the change, my mother was XXXX years old. Why would I take my name off as a POD to replace it with a POA?
Because my sister found out about the money, I have been in and out of court. The court said, because my mother did not have a Will, my sister was entitled to 1/2 of the original {$100000.00} less the funeral & other expenses I paid for. She was entitled to {$43000.00}.
My mother did NOT need a Will. The only money she had was at Wells Fargo and they made an HORRIBLE error on her account. The entire account was left to me, alone.
Now it 's 3 years later. I was made executor of the account.
I went back to the bank, with the court papers that clearly mapped out the division of the money ( {$43000.00} to my sister and {$87000.00} for me ) and I was met with another surprise. Wells Fargo said that because I was really not allowed to make the change I did inXX/XX/XXXXas a POA, and they never informed my mother in the following year she frequented the bank, they took it upon themselves to reverse their error ( 2 years after the fact ) and put the account back to having the 2 PODs ( my sister and I ). NOW, they can only give me a check for 1/2 {$65000.00} and the remainder goes to the other beneficiary! Instead of {$43000.00}, she would receive {$65000.00}. Remember {$25000.00} was MY MONEY!!!!
This is bank error ( s ) have cost me attorney fees, time, interest and has caused irreparable damage.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bankruptcy XXXX item should not appear on my credit report.
Product: Vehicle loan or lease

THIS IS NOT A DUPLICATE COMPLAINT IT IS A NEW COMPLAINT AGAINST THE SAME COMPANY DUE TO FRAUDULENT GOUGING OF AND ADDITIONAL {$1000.00} IN A MONTH 'S TIME AND NOT EVER SENDING ME A LETTER WITH THE INFORMATION OF WHO THE THIRD-PARTY COLLECTOR IS THAT HAS THE LOAN AND MY TITLE THAT THEY CHARGED THE LOAN OFF AND SOLD IT TO!!! My payoff on my Honda XXXX XXXX XXXX XXXX  was quoted to me at the bank when I was trying to refinance at the beginning of XXXX XXXX at {$4800.00}, now saying it is {$5800.00}, that is an increase of over {$1000.00} in less than a month!!!!!!!! THIS IS FRAUD!!!!! What are you going to do about it as a government regulator??? I am also going to pass this on to the FTC and my lawyers!!! I am not paying a XXXX XXXX until they lower my balance back to what it was a month ago and if they don't, I will file a lawsuit and get my title!!!!!! They also did not even send a letter to me showing who the third-party collection agency they charged it off to is, another breach of the FDCPA I can sue them for too!! 
Principal : {$5500.00} NSF Fee : {$50.00} Late Charges : {$170.00} Interest : {$46.00} Balance : {$5800.00} XXXX THEY SAID THEY CHARGED OFF!!!