23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

Reporting information with actual knowledge of errors a person shall not furnished any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cost to believe that the information is Inaccurate. 

And 623 subsection ( D ) The term reasonable cause to believe that the information is inaccurate means having specific knowledge other than solely allegations by the consumer that would cause a reasonable person to have substantial doubts about the accuracy of the information. 

XXXX and US bank violates this section due to the fact an extensive packet was sent to XXXX and an extensive packet was done at a US Bank location which means, they receive this information in real time. This information contain police reports, identity theft reports, federal trade commission reports, and supporting documentation to validate that a unprecedented Fraud situation has occurred. Enough information was provided that a person could reasonably determine inconsistencies and errors that would prompt any reasonable person to not re-report this information. Plus, we can not forget that US Bank sent a letter stating that they did not have this information which means, they acted prematurely in violation of several federal laws. 

U.S. Bank and XXXX were also provided information from local and federal law-enforcement as well as government agencies stating and certifying that my personal information was being used on a multitude of levels including to file taxes to request government assistance and several attempts were made to obtain a XXXX loan without my knowledge or consent. All paperwork in which this bank ignored.

Section 623 Section ( 6 ) ( a ) and ( B ) responsibilities of furniture of information to customer reporting agencies Information alleged to result from identity theft. If it consumer submit an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such report stating that information maintained by such person that reports to relate to the consumer resulted from identity theft, the person may not furnish such information that reports to relate to the consumer to any consumer reporting agency. 

US Bank failed to review the fraud packets that were done at their branch. US bank reported information without first reviewing the fraud claim. Because of this action, US bank violated this section.
Product: Debt collection

I submitted a complaint with CFPB about XXXX XXXX XXXX XXXX stated that they are only the 3rd party trying to collect. Pentrick Capital Partners are the original debt collectors, but I have never done business with them at all and I absolutely owe them nothing. Pentrick had already hired another debt collector and it had to be dismissed because they couldn't prove that this was my debt. Now Pentrick Capital Partners hired someone else to collect. I asked for proof that this is my collection and they sent the documents attached, which is absolutely not proof. First of all, you will see on page 1, they have my birthday as XX/XX/XXXX. That alone should tell you that this is not me. I was born in XXXX. The rest of the pages just show a name addresses and an amount due. THIS IS NOT PROOF! Please remove the collections from all the bureaus that you reported to immediately because it is affecting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1500.00}, {$8000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OPEN ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account.

-- AUTO ACCOUNT -- 2. XXXX XXXX XXXX CO with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8000.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$890.00} XXXX XXXX XXXXXXXX Balance Owed : {$79.00} XXXX XXXX XXXX XXXX Balance Owed : {$490.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  Balance Owed : {$1100.00} XXXX XXXX Balance Owed : {$740.00} XXXX XXXX Balance Owed : {$380.00} XXXX XXXX XXXX Balance Owed : {$0.00} 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: Debt collection

Being under state care my emergency room bill was paid at XXXX XXXX XXXX Hospital of XXXX and verified by myself and hospital. I sent in proof multiple times and even once had actually drove to the hospital and had the billing department call. They just ignored all of this never responded to any letters and now added the charge to my credit report and keep adding a dollar increase. This is a second and possible third violation this company is performing. I disputed with the credit bureau but feel they need to stop hurting other people with illegal tactics. This is ongoing since XX/XX/XXXX and hospital bills doctors are all clear I suffered a XXXX XXXX in XX/XX/XXXX so this bill is so wrong. They now are claiming XXXX and keeps going up. Wakefield and Associated which has numerous complaints all attempts to call them ended in them hanging up pretty much saying someone would look into it and obviously never did.
Product: Money transfer, virtual currency, or money service

Sent {$150.00} to a friend and the parter side had technical issues, so the transaction never went through. This was initiated on the XXXX of XX/XX/2024. At the time of this complaint, it has been a week since the transaction took place. Each time I talk to a representative they keep saying it is a technical issue preventing it from going through. I have had XXXX successful transactions go through since this took place. Yet they cant seem to refund or process the first XXXX. They claim to keep emailing the partner on the other side, and not getting response. Transaction details clearly state failed to send, but they took it from my account regardless. I have since requested a call back from a supervisor. If I have other transactions going through, then there is not a technical issue any longer.
Product: Credit reporting or other personal consumer reports

The collection of information on this form is authorized by one or more of the following statutes : 18 U.S.C. 1028 ( false documents and identity theft ) ; 1028A ( aggravated identity theft ) ; 18 U.S.C. 1029 ( credit card fraud ) ; 18 U.S.C. 1030 ( computer fraud ) ; 18 U.S.C. 1343 ( wire fraud ) ; 18 U.S.C 2318B ( counterfeit and illicit labels ) ; 18 U.S.C. 2319 ( violation of intellectual property rights ) ; 28 U.S.C. 533 ( FBI authorized to investigate violations of federal law for which it has primary investigative jurisdiction ) ; and 28 U.S.C. 534 ( FBI authorized to collect and maintain identification, criminal information, crime, and other records ). 

The collection of this information is relevant and necessary to document and investigate complaints of Internet-related crime. Submission of the information requested is voluntary ; however, your failure to supply requested information may impede or preclude the investigation of your complaint by law enforcement agencies. 

The information collected is maintained in one or more of the following Privacy Act Systems of Records : the XXXX  XXXX XXXX XXXX, XXXX, notice of which was published in the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, notice of which was published in the XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ). Descriptions of these systems may also be fo
Product: Mortgage

Bank of America ( BoA ) suspended my home equity line of credit based on a credit report they received that showed serious delinquencies, amounts past on on accounts, too few accounts currently paid as agreed. When I learned this I requested a credit report from the agency BoA indicated they used. The credit report I received did not show any delinquencies, amounts past due, or accounts not currently paid as agreed. In fact, there was nothing negative in the entire report dating back many years. BoA subsequently reinstated my line of credit. 

I asked BoA to provide me with a copy of the credit report they received from the credit reporting agency on which they made their decision to suspend my account. I explained to BoA that it appeared that the credit agency was providing different information to them than they were to me and that I needed a copy of the report they received in order to confront the credit agency. BoA refused to provide me with a copy of the report and stated that they could not because it would be " against the law '' to do so. 

Is it really against the law for BoA to provide me with a copy of the credit report on me that they used to suspend my account, especially when they understood that that report contained information entirely different that the information the credit agency provide me? 

How can I get BoA to provide me with a copy of the credit report on which they made their decision? 

None of the categories below match really well with these facts so I picked the one that was closest. 

Thanks.
Product: Mortgage

In XX/XX/XXXX, I moved back into the home at XXXX XXXX XXXX XXXX, Tx due to my ex-wife abandoning the house and letting it go into foreclosure. She had taken sole custody of the home in our divorce in XXXX. Upon moving in, I paid all the leins and began working with XXXX XXXX to modify the mortgage into my name only. I completed all the necessary paperwork to include filing a Quit Claim Deed with XXXX County signed and notarized by myself and my ex-wife giving me the house. During this time, XXXX XXXX transfered my file back to Freedom Mortgage, who was the original loan company. Because of the transfer, I had to completely begin the modification process over, which I did and submitted all the paperwork to Freedom Mortgage. Freedom sent my mortgage paperwork with my name only and I signed and sent it back as instructed. Fast forward 3 1/2 years and I look into selling my home and I find out the modification was never completed and they do not even have copies of the paperwork I submitted to them. I find out my ex-wifes name is still on the house. This has caused huge problems for me and my family. I completed everything I was instructed to complete, twice and it is still not taken care of. Every since I moved into the house in XX/XX/XXXX, I have not missed a single payment by a single day. Now I find out that my credit have multiple 180+ delinquent payments listed from XXXX from Freedom mortgage, which has cause my credit rating to go down. I have attempted contact with Freedom Mortgage several times and I can not get anyone to even call me back. I plan on selling this home and building a new home but I cant until this is cleaned up.
Product: Debt collection

It was a capital one account and I guess it got written off so who ever bought it and trying to collect Ive tried numerous times to dispute this because it was fraud my mother has put stuff in my name and was in jail recently for tax fraud. Ive been working on fixing my credit from what my mother has messed up there is a XXXX XXXX and a capital one that she has opened. No matter how many time Ive tried to fix it, it just gets disregarded. And I shouldnt be threatened about something Ive tried to fix what should have been caught the moment it was happening with my name on the account being XXXX like of a red flag
Product: Credit reporting or other personal consumer reports

I received a notice of a collections being on my credit report on XX/XX/XXXX. I called XXXX to see why was this reported to collections being that my account was up to date and just disconnected on XX/XX/XXXX. The representative told me it was the current and it shouldn't have been reported to collections. He created a ticket number XXXX for back support. XXXX days later I was told and was another account under my name which wasn't create by me. Never made this account. This was reported to my credit report and it wasn't made by me. I was told that account was created in XXXX. I didn't get into XXXX XXXX on XXXX windy XXXX XXXX until XXXX. After calling again a ticket was created to investigate this matter XXXX. Still nothing was done about this being removed from my credit report. I called again and was transferred to a fraud/ID department. Ticket number was create XXXX. I sent all the information that I was told to send. Proof of residence during XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Utility bill was sent and my ID. I still haven't heard anything from XXXX fraud team or eastern account systems. This is very frustrating being that im in the middle of getting a house and I need this collection removed from my credit report asap! What this being a mistake/ unknown account it shouldn't take months for this to be removed from my credit report. I have no knowledge of this account from XXXX. This is unethical.
Product: Credit reporting or other personal consumer reports

I am writing to dispute information on my credit report that's inaccurate formally This is causing difficulties in my ability to purchase a home by limiting my ability to receive a home loan, I am aware of my rights under the Fair Credit Reporting Act, and I request a through investigation of the information as required by law. 
Recently the Consumer Financial Protection Bureau filed a lawsuit against Experian stating the false and incomplete investigations and wrongly reinserting false information and other unlawful practices as outlined by CFPB.
Product: Mortgage

I do n't know where to start with OCWEN. The XXXX and the Attorney General 's Office tried to help me but apparently Ocwen stuck their nose up at them. The most recent problem is that I sent over {$7000.00} dollars in payments to them because Ocwen holds on to the payments then charge a late fee. They were n't cashing the checks so I did n't know if they were getting all of them. They got all of them, cashed them, and kept the money. They gave a justification for keeping my money and refuse to apply it towards the next few months. I do n't have any money left and I need that {$7000.00} back, or I will lose my house. I am in tears, desperate and do n't know where else to go.
Product: Credit reporting or other personal consumer reports

Pursuant to 18 USC 8, i owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b such company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4 This company listed below, used mis-match information to open an account fraudulently, with incorrect information, I have since disputed and proven the personal information and it has been removed from some but not all credit bureaus. However the fraudulent accounts associated with the personal information have not been removed. XXXX opened XX/XX/XXXX with late payments, XXXX XXXX opened XX/XX/XXXX, XXXX opened XX/XX/XXXX and XX/XX/XXXX. I have never been affiliated with these businesses.
Product: Mortgage

Subject : Request for Information : copy of my abortive VA Loan application paperworkBACKGROUND : I signed and returned a VA loan application to the Lender, but the financing fell through in UnderwritingPROBLEM : I asked by telephone AND emailed a request a copy of my VA loan application that I signed and returned and offered to pay any requiste fee ; but I was told " ... The application was not completed so the information contained on the application you filled out would be a working document for us. The application would have been finalized at closing and you would have signed in there.. '' EFFECT : Because my credit request was not approved, I would not be going to closing and there would be no other opportunity to get a copy of these important documentsSOLUTION : I would like Lender to send me a true copy of complete loan application that I signed. XXXX Cited : RESPA, the Privacy act and Dodd-Frank, as applicable. )
Product: Debt collection

I declare under penalty of perjury ( under the laws of the United States if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further I certify that I am permitted by FEDERAL and STATE law to file this dispute. I also understand that knowing and willful MISSTATEMENTS or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C.

1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company without my authorization used my personal identifying information to apply for goods services or money, and was successful in creating some accounts. All is being investigated by the FTC
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report onXX/XX/XXXX at Transunion and seen I have a fraudulent collection account appearing on my credit report. This is not my account and I have submitted fraud claim to XXXX and Transunion. You are to remove this fraud account immediately before i pursue legal action. Under federal regulations this does not qualify as a " valid verification of debt ". I have previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges you claim I owe you. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. In addition, in the case of Spears Vs. Brennan ( IN THE COURT OF APPEALS OF INDIANA, No. XXXX ), the court ruled that : 15 U.S.C . 1692g ( b ) ( emphasis added ). On XX/XX/XXXX, nineteen days after the date of Brennans debt collection letter, Spears counsel Shepard sent Brennan a letter declaring that Spears disputes your debt collection-related allegations, denies the same, and demands strict proof and verification thereof. Record at 21. As such, Brennan should have ceased his debt collection efforts immediately upon receiving that letter. Instead, Brennan proceeded to obtain a default judgment against Spears on the debt collection claim before he had mailed Spears the necessary verification and, thus, violated 15 U.S.C. 1692g ( b ). Brennan maintains, however, that there was no violation of the FDCPA because he sent adequate verification of the debt [ to Spears ] in the XX/XX/1996 notice of claim. Brief of Appellee at 13. Specifically, Brennan claims that a copy of the consumer credit contract between Spears and American General attached to the notice of claim provided sufficient verification of the debt within the meaning of 15 U.S.C. 1692g ( b ). We can not agree. The contract in no way provides sufficient verification of the debt. A review of the document reveals that it identifies only the terms of Spears loan, including a 17.99 % annual interest rate and the original loan amount of {$2500.00}. The loan agreement contains no accounting of any payments made by Spears, the dates on which those payments were made, the interest which had accrued, or any late fees which had been assessed once Spears stopped making the required payments. Indeed, the existing unpaid contract balance at the time Brennan sent the debt collection notice was at least {$350.00} more than the original loan amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently reviewing my credit report, I noticed these accounts are still being reported inaccurately. I have sent them correspondence disputing this inaccurate information. PLUSFOUR INC has failed to provide me with a copy of any viable evidence, bearing my live signature. I have never done business with PLUSFOUR INC, nor have I signed any contracts with this company. As per FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does NOT constitute verification. It it is against Federal Law and State Law to report INCORRECT AND INACCURATE Information on a consumers Credit Report. I am requesting PLUSFOUR INC delete this entry immediately and provide me with a copy of the correspondence sent to the other Credit Bureaus XXXX, XXXX, and XXXX directing them to REMOVE this erroneous entry as well.
Product: Credit card or prepaid card

I have tried to tell Discover several times that I have paid consistently {$230.00} for months as the balance goes down. The APR continues being the same but the person in charge will not get back to me. The payments continue and the card continues being open but not available for use. 

How can the payment not be lower when I am not on a payment plan, the card is open and the balance has been lowered. 

I hope this gets rectified. In addition they have also not rectified previous problems with the credit bureaus.
Product: Credit card or prepaid card

I have an account with Paypal credit. In XX/XX/XXXX I had an issue with them not honoring the promotional payment terms I selected for an XXXX purchase. I filed a complaint with consumerfinance.gov, and the issue was resolved. However, since that time my Paypal credit statements have not been providing accurate information. Many promotional purchase items do not show monthly balances that make any sense. Even when reconciled to the information provided on the statements, some items show paid off before they were supposed to. Some items show as not being paid off, even though they should be. Some items that are supposed to have a fixed monthly payment amount vary wildly in the monthly payment amount allocated to the item. Also, the standard purchase amount ( the amount subject to interest charges ) is off by a large amount. Therefore, I can not determine that I am not being overcharged monthly interests fees because Paypal will not provide the information needed to determine this. 

I spoke with a supervisor, XXXX, on XX/XX/XXXX. He told me he would audit the account, and follow up with me. I followed up every week for two months, and I have never heard back from him. Other supervisors later told me that I would be sent a letter breaking down how monthly payments were applied. I have never received any letter. I followed up with this twice.