23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

My Father, XXXX XXXX XXXX passed away XX/XX/XXXX. XX/XX/XXXX or XXXX, XXXX, I visited PNC Bank at XXXX, XXXX, Illinois and met with XXXX XXXX XXXX ID XXXX to discuss need to close two credit card accounts, and possibly open a Trust asset account. XXXX XXXX was given original copies of all the legal documents-death certificate, filed copy of Will, and the Trust. She told me that all had to be reviewed by the legal department, and it would take a couple of weeks, then she would set an appointment with me to go over paperwork. The 2nd appointment was on XX/XX/XXXX. The paperwork all had to do with the opening of the Trust asset account. XXXX XXXX told me the credit cards would be closed, and expect my father 's online banking access to cease; suggested I set the cards to " Locked '', so charges could not be made before it was closed. I never had any paperwork specific to the credit cards ( 2 accounts ), but I had asked what needed to be done, did everything I was told, but the accounts were NOT CLOSED and an automatic payment to my dad 's internet provider was continued to be paid by PNC, even though I tried to dispute the charges through his online access, for SIX MONTHS. PNC Credit as well as Fraud departments always told me they could not talk to me because I wasn't listed on the account, to which I'd reply, Legal or XXXXrobate Department has all the legal documents! Noone can give an answer as to why the legal documents are not available to the credit department. In XX/XX/XXXX, received a letter from PNC that they closed one credit card for lack of use. The week of XX/XX/XXXX, I drove 51 miles, each way to the nearest branch in XXXX and spoke to XXXX XXXX, who confirmed nothing had been done to close the account. I had to produce additional death certificates ( PNC had my stepmom 's since XXXX ) and once again request closure. In the months in between, Fraud Prevention would call me when someone was attempting purchases, I'd explain he's dead & account SHOULD be closed. I have spent HOURS trying to get this resolved, and they claim they are closing the account, but have NO PROOF of this. PNC Bank and Others should not be allowed to issue credit and sell their " Services '' if they can not manage the services they offer.
Product: Consumer Loan

I have a car loan, through Ally Financial, that was part of my bankruptcy. My bankruptcy was discharged on XXXX, but after XXXX unsuccessful disputes through XXXX the account is being reported open, and Collection/Charge Off. It also shows a balance of {$1600.00}. It is my understanding, since this account was part of my bankruptcy, it can not be reported as collections/charge off or open. I have had the title for the car since XX/XX/XXXX, which Ally Financial sent to me. Please assist me in rectifying the reporting of this item.
Product: Debt collection

My account with my main one financial was opened in XX/XX/year> and I was told it was closed off due to lack of payments but during the time it was the first wave of XXXX and money started getting tight and I couldnt pay because I got sick with XXXX and I traveled to XXXX where my car broke down and I explained it to the attorney who was representing them now that after many threats they wouldnt let me talk to anyone else but the attorney and much recently after my account being closed off for XXXX years because of lack of payments they decided to take out a lawsuit against me and forced me to pay every XXXX of each month and if not it would mean jail time and while I had to agree they also put on me a agreed judgment and theres a whole bunch of add ons and over priced interest
Product: Debt collection

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against HARVARD COLLECTION. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Product: Debt collection

I looked up my credit report on XXXX XXXX, saying that i owe {$50.00} to XXXX med center through Allied Collection Service. Not sure what this charge even is, the date goes all the way back to 2013! There is a hard hit on my credit for something i know nothing about and i just want it removed.I am willing to a pay a portion of it but not if they are just going to take the usual {$10.00} off because i feel that i do not even owe this money. I have received no information on this and have no idea what it is for and if its even mine. I know this company wants to get paid so they need to work with my needs not theirs. Statue of limitations in Nevada is 4 years, this needs to be removed from my credit once and for all.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I submitted an online dispute to XXXX via XXXX pertaining to an incorrect balance and payment history being reported by the creditor Sensible Auto, LLC. 
Three days later, I received notice indicating that XXXX had investigated the dispute and verified it as accurate.

On XX/XX/XXXX, I sent a written dispute and demand for verification to XXXX regarding the account in question. In addition, I included a hard-copy receipt to provide evidence of my claim. At that time, I currently owed Sensible Auto, LLC, a balance of {$5.00}, XXXX. This balance was paid on time. 
XXXX records reflect a much higher and incorrect balance of {$7400.00} that was 30 days past due! 
In that letter, I asked that XXXX correct my file. 
On XX/XX/XXXX, I received a letter from XXXX indicating that they once again verified the information as accurate! No other information was provided. XXXX did not provide any details of their investigation or to whom they spoke, or how. 
XXXX is NOT following federal law and investigating legitimate claims against data furnishers. Every time I try to correct a matter on my report, I get a letter that essentially offers no help or provides blatant lies. 
I'm getting tired of trying to amicably work with XXXX and am willing to pay any number of the multitude of attorneys online to sue them.
Product: Credit reporting or other personal consumer reports

I signed up for a PayPal Credit Account and enabled Autopay through Synchrony. The company never Autopay and reported my account as late, severely affecting my credit.
Product: Credit reporting or other personal consumer reports

I have lost count of the number of letters I have sent to your bureau regarding my status as a victim of identity theft, as my concerns have yet to be fully resolved. Once again, I am disputing the fraudulent information that is adversely affecting my credit file. 
Despite my submission of the required FTC complaint, your bureau continues to report these fraudulent accounts on my credit report. I want to emphasize that I have already contacted the banks associated with these accounts, submitted the necessary documents, and had the accounts promptly deleted from their records. 

Moreover, other credit bureaus have already removed these accounts from their records following the submission of the FTC complaint. Therefore, I am curious about the verification process your bureau employed to continue reporting these fraudulent accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

REGARDING RESPONSE TO CFPB COMPLAINT XXXX I HAVE READ SUBMITTED RESPONSE BY WELLS FARGO XXXX THE INDIVIDUAL WHO SIGNED THIS LETTER IS NOT IN THE EXECUTIVE OFFICE, THE INDIVUAL IS A PERSONAL BANKER AND I HAVE NEVER SPOKEN TO ANY ONE FROM WELLS FARGO NOR THIS RESPONDANT WHICH IS STATED WITHIN THE WELL FARGO RESPONSE, THIS LETTER IS FRAUDLUENT AND WAS WRITTEN BY SOMEONE AS DIRECTED BY XXXX XXXX XXXX XXXX XXXX WHO SERVED AS VP FOR WELLS FARGO. THE RESPONSE WAS WRITTEN AS IS I WAS INQUIRING IN REGARDS TO AN INITIAL LOAN IN XXXX XXXX XXXX. THIS DATE WAS LISTED WITHIN THE LETTER IN ORDER TO INTENTIONALLY DERAIL ME AND OTHERS. THE LOAN OF XXXX WAS TAKEN OUT YEARS LATER AFTER XXXX UTILIZING A FRAUDULENT POA WITH MY NAME ON IT. FURTHER MORE IN XXXX XXXX XXXX UNBEKNOWST TO ME XXXX XXXX AND HER FATHER XXXX XXXX WHERE INVOLVED IN OBTAIN FRAUD LOANS ON MY CURRENT PROPERTY XXXX XXXX XXXXXXXX XXXX, XXXX XXXX TEXAS. ON XXXX THE HOME AT XXXXXXXX XXXX XXXXXXXX XXXX WAS OLD 3 TIMES WITHIN ONE DAY. 2 TIMES TO XXXX XXXX AND ONE TIME TO BOTH MYSELF AND XXXX XXXX. AFTR FURTHER RESEARCH THE INITIAL SELLERS OF THE HOME WERE INVOLVED IN ADDITIONAL REAL PROPERTY PURCHASE INVOLVING XXXX XXXX AND XXXX XXXX XXXX, AS STATED ALSO, MY BROTHERS HOME XXXX XXXX XXXX, XXXX GA WAS ALSO UTILIZED BY XXXX XXXX AND HER XXXX XXXXXXXX XXXX TO OBTAIN A FRAUDLUENT LOAD VIA WELLS FARGO. GIVEN XXXX XXXX SITS OR SAT ON THE FEDERAL RESERVE BOARD OF TX AND AGAIN THE VP FOR WELLS FARGO, '' ACCORDING TO XXXX XXXX '' THEY HAVE ACCESS TO ANY AMOUNT OF MONEY. 

MY BROTHERS INFORMATION WAS STOLEN AND UTILIZED BY THE XXXX IN ADDIITION TO THE MORTAGE FRAUD MY XXXX XXXX XXXXXXXX PREVIOUSLY HAD WHEN THE HOME WAS PURCHASED IN XXXX. 
BOTH ARE CONNECTED TO THE BANKRUPTCY COURTS IN BOTH XXXX  ABD XXXX AND HAVE NOT ONLY DAMAGED MY LIFE BUT HAVE COMPLETELY DAMAGED THE LIVES OF MY XXXX AND OTHERS. THEY STEAL PROPERTIES AND INDIVIDUALS INFORMATION FROM THE BANKRUPTCY COURTS WITH THE ASSISTANCE OF TRUSTEES SUCH AS THOSE IN XXXX AND COMMIT MORTGAGE FRAUD. MY XXXX ; S LIFE IS A COMPLETE DISASTER AS A RESULT OF THE INITIALS INDIVIDUALS INVOLED IN THE FRAUD PERTAINING TO ALL OF HIS REAL PROPERTY AND THE XXXX ADDED ADDITIONAL LAYERS ALONG WITH THE XXXX TRUSTEES AND JUDGES IN XXXX 



ALSO, MY MOTHER XXXX XXXX FILED A CFPB REPORT AGINST WELLS FARGO THE XXXX BEFORE MY INITIAL COMPLAINT WAS FILED XXXX, SHE REQUESTED A COPY OF THE XXXX CHECK WRITTEN TO XXXX XXXX AND MYSELF AS A WEDDING GIFT MEMOED AS DOWN PAYMENT FOR XXXX XXXX XXXXXXXX XXXX THE CHECK WAS WRITTEN IN XXXX FOR THE XXXX XXXX XXXX PURCHASE. WELLS FARGO REFUSED TO RESEARCH AND LOCATE THE CHECK FOR HER DUE TO BEING GIVEN DIRECTIVES BY XXXX XXXX, IT APPEARS HER COMPLAINT IS NO LONGER IN THE CFPB SYSTEM AND WELLS FARGO DID NOT RESPOND. IS THERE CORRUPTION WITHIN THE CFPB SYSTEM?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



The following ITEMS are Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX has violated my rights. 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: Debt collection

THESE INACCURACIES ARE CAUSING SIGNIFICANT DAMAGE TO MY CREDITWORTHINESS AND FINANCIAL WELL-BEING. 


I HAVE THOROUGHLY REVIEWED MY CREDIT REPORTS FROM ALL THREE MAJOR CREDIT BUREAUS, AND I HAVE IDENTIFIED Some COLLECTIONS ACCOUNTS THAT DO NOT ACCURATELY REFLECT MY FINANCIAL HISTORY. THE INACCURACIES INCLUDE ACCOUNTS THAT DO NOT BELONG TO ME BECAUSE THE DEBT COLLECTOR PURCHASED THEM, AND I HAVE NEVER ENGAGED IN ANY BUSINESS TRANSACTIONS WITH THE THIRD-PARTY DEBT COLLECTOR. 
BELOW ARE THE DETAILS OF THE INACCURATE COLLECTIONS ACCOUNTS Please send all documents of proof that you are legally authorized to obtain my information and collect because I did not authorize any of this stuff XXXX/ XXXXXXXX XXXX Creditor : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was compromised and used to obtain unauthorized credit card accounts with XXXX  XXXX XXXX for {$2800.00} and XXXX XXXX XXXX for {$1400.00} which was never paid and caused my credit to take a huge hit and its affecting my ability to purchase a home for my family.
Product: Money transfer, virtual currency, or money service

Hello, I have an account with Gemini XXXXLC crypto exchange. 

With no reason, I am not able to access my account with money worth of {$40000.00}. 

I have tried to contact XXXX without any response. 

Please can you help? 

Thanks XXXX
Product: Debt collection

The debt in question was paid in XXXX 2014 and is still being reported to the XXXX gathering agencies as an open collection account. Proof of payment has been provided to the agency and they have failed to respond or correct the reporting. The accounts being reported as a balance owed to XXXX XXXX XXXX XXXX but the balance was paid to ChexSystems XXXX, who XXXX XXXX XXXX XXXX referred the matter to as well, meaning the same account was referred to XXXX ( XXXX ) separate agencies for collections, which I believe is defined as overshadowing.
Product: Prepaid card

Citi 's online form for transferring funds to my bank account consistently reports that the system is unavailable. Calls to Citi customer service result in requests for a transfer request via fax, which are consistently rejected due to " incomplete information '' but the agents are unable to say what information was lacking.
Product: Credit reporting

EQUIFAX has not closed a XXXX XXXX XXXX credit card with a {$3000.00} limit. This is lowering my credit score utilization. This should be closed in my chapter XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my Experian credit file and found 3 personal loans taken out in my name from the company " XXXX XXXX ''. The XXXX personal loans were taken out on ( 1 ) XX/XX/2022 ; Balance : {$770.00} ( 2 ) XX/XX/2022 ; Balance : {$510.00} and ( 3 ) XX/XX/2022 ; Balance : {$800.00}. After speaking with Experian, they have indicated that the address associated with the three loans is : XXXX XXXX XXXX XXXX, VA XXXX. Further, I spoke to the company, XXXX today, and they could not provide help regarding the three loans. The loans have negatively impacted my credit score and the status is now collection account. I would like to resolve these discrepancies as soon as possible. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax failed to protect personal data which enabled my records to be compromised. I was never sent a notice my data was vulnerable and that a breech had occurred. The company still has not notified me or stated a clear date that the breech occured. They just state it happened between mid-XX/XX/XXXX and XX/XX/XXXX.
Product: Mortgage

My mortgage is being serviced by Green Tree Services, LLC. They have continually lost our documents. Currently, they offered us a loan modification AFTER making our three trial payments. They would not disclose the details of the modification until AFTER making the three trial payments. When we did receive the details of the loan modification they proposed, it was not a HAMP modification from XXXX, but what they describe as an " in-house loan modification ''. The interest rate they want to assign to their in-house modification is ( 4.5 % ) and is higher than the previous interest ( 3.5 % ) rate we had when XXXX XXXX XXXX was servicing the loan but they refuse to acknowledge this, even though we have the documents to prove otherwise. Green Tree also does not have our income documents since they continually state they did not receive them or we did n't get it to them on time, which is not the case as we have always provided them this info within a week or two of their requests. In addition to the interest rate concern, they are not allowing us to get qualified for a true HAMP modification because they do not apply our income information that they say they never received.
Product: Debt collection

Received a letter from Media Collections inc XXXX XXXX XXXX XXXX XXXX addressed with just my last name. And XXXX XXXX XXXX. They requested an online payment for some unspecified debt. I called the XXXX XXXX XXXX and they confirmed I do not owe them a debt, they have never submitted a debt to a collection agency, and do not use this collection agency. There is no record of a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC report, Identity Theft Affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Product: Checking or savings account

Last month, as I was recovering from XXXX, I forgot to cancel two payments that resulted in an overdraft/NSF fee being charged by Wells Fargo XXXX When I called to ask for a refund of those fees, I initially heard the agent say {$70.00} ( which would have been the total amount that I was charged ) but I guess I misunderstood the agent because I only got a {$17.00} refund. When I called again to inquire about this, I was told because the {$17.00} was all they could do.
Product: Checking or savings account

Hello, my company is an XXXX XXXX XXXX We are a legally registered LLC in New Mexico, fully compliant with all required documents. I have been using this service for a year to handle client payments and business-related purchases. Suddenly, my account was closed without any explanation, with a balance of approximately {$1000.00} to {$1500.00}. Additionally, there is a pending refund of {$10000.00} expected in the next few days. This means there would be more than {$11000.00} in my account that I currently have no access to. Please assist me as soon as possible. Thank you very much.
Product: Credit reporting or other personal consumer reports

it shows on my credit that on XX/XX/XXXX and XXXX, 2024 my credit was ran through several companies for either and auto loan or lease as i was reviewing my credit I saw these inquiries on my credit report
Product: Credit reporting or other personal consumer reports

The IRS clearly defines a charge-off as Gross or Ordinary income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes reporting this account inaccurate! By Definition, the IRS clearly says a Cancelled debt or charge-off is Income. The account number XXXX has been charged off, but Experian is still reporting this earned income on the consumer report. XXXX has not sent a 1099c for the charged-off amount either.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contributed for years to dispute this error on my report. XXXX XXXX XXXX XXXX is not properly reported on my account. This has been validated as fraud. I've worked with XXXX XXXX and Police Department. 

The Experian is not running a complete investigation and this his prohibiting me to purchase housing from my family. 

Please remove this fraudulent account so we can purchase a home.
Product: Credit reporting or other personal consumer reports

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : 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

I am writing to report that I am a victim of a data breach resulting in identity theft. I am formally requesting that the following accounts and inquiries be blocked and deleted from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Accounts to Be Blocked and Deleted : XXXX - XXXX - XX/XX/XXXX - {$86.00} Inquiries to Be Removed : 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 XXXXXX/XX/XXXX
Product: Debt collection

I received a call from, Ability Recovery Services, reciting incorrect info. They asked for me to verify the last 2 digits of my social. They stated that the numbers were " XXXX  '' which is incorrect. So I explained to them once again, that they are to delete this account from my credit report due to incorrect information. They then proceeded to state that the debt was for someone by the name of " XXXX ''. I do not know anyone by the name XXXX. I am not XXXX. I asked the supervisor I was speaking with how someone could absorb another 's debt as such. He stated that it could be a relative or child. I have two daughters neither of which are named XXXX. I also explained that this was another reason to remove this account completely, also that I need an email stating that they will remove it from my credit report. The response I was given was, '' We don't have the ability to do that ''. This is not the first call I've had with them in regards to this so called account. I have been hung up on before and left on hold for hours just for them to hang up. I advised them that I would be making a complaint against them in regards to this matter. The account number I was given is, # XXXX. According to XXXX ( the manager I spoke with ), there is two accounts attached to that number I was given. Both of which have the wrong social security number. XXXX is their contact number. As of writing this email I am yet to receive a dispute email from Ability Recovery Services, as promised by the manager.