23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

There were Fraudulent transactions on an PNC Checking Account I had last year. My account was unknowingly compromised from someone I DO NOT know which a check for $ XXXX as result I closed my Account by calling PNC Customer Service to stop further activity! NOW Im currently in debt of that amount and Im in XXXX XXXX & Its XXXX things I want to accomplish and have been trying to but can as result of this which I cant afford to pay and feel I shouldnt if I didnt or dont have an idea who may have submitted this Item without my knowledge!
Product: Checking or savings account

I have already filed complaint XXXX with CFPB and Citi promised to resolve this issue with me- to deposit {$2000.00} in my account. I sent them the W-9 they requested - TWICE and thought the funds were in my account and closed the account. Later I discovered that the funds were never posted to the account. Now Citi is stating that the W-9 needed to get " certified '' whatever that means. I don't know why this was not all done when I first opened the account. Citi needs to allow me to reopen the acct and then deposit the money they owe me. 
Please see complaint XXXX for full details.
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. 

Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : 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: Credit reporting or other personal consumer reports

I have recently reviewed copies of my personal consumer credit reports and found questionable and/or inadequately verified data in the records maintained by your company. It appears that this information, previously removed, may have been re-added to my credit profile by your office ( s ) without the required 5-day notice, a violation of the reporting regulations you are obliged to follow. 

Under the Fair Credit Reporting Act ( FCRA ), any information that has been deleted should not be reinserted into a consumer 's credit profile without directly notifying the affected consumer in writing within five business days of such reinsertion. I have not received any such notice or validation confirming the accuracy and completeness of the reinstated data. 

Listed below are the Personal Information that are being challenged Incorrect DOB : XXXX XXXX Listed below are the Accounts that are being challenged 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 Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Credit reporting or other personal consumer reports

Requested for verification and validation into account listed under XXXX XXXX XXXX on my credit report. The credit bureaus never provided a thorough investigation into this specific account and continued to just verify it as " accurate '' without any legal documentation. XXXX XXXX XXXX also could not provide any validation of this alleged debt. The balance on this account is inaccurately reporting across each credit bureau which is in violation of the Fair Credit Reporting Act specifically 1681i as this is inaccurate and false and misleading representations. I have multiple copies of dispute letter requests to each of the credit bureaus which requested investigation into this account. The FCRA requires a XXXX  day investigation and the removal of items when they can not be verified or are inaccurate. 

XXXX XXXX has removed this inaccurate account and it no longer reflects under my credit report with them.
Product: Credit card

XXXX Credit Card is harassing me with collect agency me while I have called them 8 times since XX/XX/2017 to solve my problem because my full payment was n't posted on their end. XXXX store card has transition from XXXX to Capital One bank so they misplace my XXXX statement of XXXX and change. I ca n't retrieve because I had paperless statement with XXXX. However, I knew I had a payment of XXXX and change so I paid XXXX cash at the store and I have the receipt. XX/XX/2017, I have receipt a statement from Capital One that XXXX Credit balance XXXX including late fee and interest charges. I really got frustrated and gave a call to XXXX spoken to XXXX on the XXXX and told me he will put a claim investigation and see if the store can help me with it too. So I went to the store XXXX in XXXX XXXX that is where I made the payment. The manager XXXX on XX/XX/2017 was kind enough to call cs at Capital One credit service of XXXX and have told them about my situation that I have the receipt of the payment. Spoken to Customer Service of XXXX name XXXX she said it may take up 30 days and investigate it I said sure. The store send them the information. I even send out with the previous statement that was due on XX/XX/2017 to Capital One Retail Services, XXXX. XXXX XXXX. 30 days has past I keep calling XXXX all they telling me about it is collect dept etc. Also, in their system they have received the documents but it has gotten lost. It gets me more frustrated cause nobody can help. Seems like they do not know what they are doing, but blame others for there mistake. I spoken to XXXX she gave me a fax number XXXX to fax over to the investigation. I kept on faxing the papers but it constantly busy. I called on the XX/XX/2017 I spoken XXXX she made another claim and gave me another fax XXXX but it is constantly busy. I am tired of this and two I had a credit score of XXXX now it XXXX I am even more frustrated I am done with them I want to get this cleared out and my score back to normal. Plus I went to Capital One Back directly too and they said they do not deal with Retail Stores.
Product: Checking or savings account

I deposited a check on XX/XX/XXXX. Bank places it on hold until XX/XX/XXXX. Then locks it again. Asks for bill of sale and check reciept ( which I provide on XX/XX/XXXX ). Today - account is still locked and have missed rent payment, car payment and more due to the illegal lock being placed to my funds. No resolution provided and customer service representatives tell me a different thing each time calling.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was alerted today XX/XX/2019 that there was a new hard inquiry on my credit report from XXXX located in XXXX, FL XXXX. I did not authorize this and I have not had any contact with this company.
Product: Debt collection

I have been contacted by text twice in my mobile phone number by " XXXX XXXX '' : XXXX. A debt collector regarding " JEFFERSON CAPITAL SYSTEMS LLC '' account. I have no such account, I have never dealed with these companies. They even called me another name when writing to me, not my first name.

2. The second time they wrote me they have limited time to work with me before they return my JEFFERSON CAPITAL SYSTEMS LLC to their clients.

Both texts contained links to click on. I did not click on them. Both texts were sent by the 5-digit number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I owned this car for 3 months and totaled it in an accident. My insurance company handled the payoff and title was transferred to the insurance company and out of my name XX/XX/XXXX. XXXX signed off on this. ( Doesn't that mean my account was paid in full? ) According to my credit report they claim my account was in good standing in XXXX of XXXX, the car was not even in my name in XXXX of XXXX ... .Fast forward to XXXX of XXXX they have it marked as a charge-off. Chrysler Capital now claims that I owe {$1900.00}. I RECEIVED NO NOTIFICATION OF THIS " DEBT ''. EVER! I found it on my report in XXXX or XXXX and Chrysler is adamant that I owe this money from some vehicle service contract with a Company named XXXX XXXX I declined this when I purchased the car. I even sent them the copy from the dealership that has no signature and lists my email as XXXX ' BECAUSE I DECLINED IT! They will not even discuss this with me now because they charged it off. This is a nightmare for me. Please help!!
Product: Credit reporting, credit repair services, or other personal consumer reports

SEE ATTACHED DOCUMENTS. 
NO PROOF OR RESPONSE PROVIDED NO CONSENT GIVEN TO REPORTING COMPANY. I HAVE A RIGHT TO PRIVACY AND IT HAS BEEN DIRECTLY VIOLATED BY REPORTING COMPANIES. 
FTC REPORT HAS BEEN FILED.
Product: Credit card or prepaid card

I made a payment on XX/XX/2022 in the amount of {$250.00}. The money has cleared my bank and Capital One has continued to hold the money after I have spoke to them several times about releasing it since it was cleared by my bank. There has been absolutely no resolve and they will not release the funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft BK OF AMER Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit card

After I contacted the CFPB, PAYPAL said they were going to correct the issues.

They are still blocking payments from going through They are lying and trying to make up additional issues as reasoning on why they restricted my account.

My account was solely restricted by PayPal because my XXXX XXXX reversed a nefarious charge from a digital seller that I bought a digital product from. 
Paypal reversed 1 charge my bank said there were 2 Now PAYPAL IS BLOCKING TRANSACTIONS FOR THE PAY IN FOUR PAYMENTS. THEY HAVE THE AUDACITY TO TELL ME THAT THE PAYMENT DIDNT GO THROUGH AFTER THEY BLOCKED THE PAYMENT COMING FROM XXXX XXXX XXXX XXXX XXXX MY BANK. THEY ARE CAUSING CHAOS FOR ALL MY FUTURE PAYMENTS UTILIZING THE PAY IN FOUR FEATURE. THEY HAVE CLERKS WHO ARE OUTSOURCED THAT BARELY COMPREHEND WHATS GOING ON AND THEY BLOCK ACCESS TO MANAGMENT TO SOLVE ISSUES. U CANT GET A PERSON FROM STATESIDE WHEN REQUESTED TO SOLVE ISSUES.

PAYPAL IS MAKING UP ADDITIONAL FAKE ISSUES NOT PERTAINING TO THE ISSUETO PROVIDE AN EXPLANATION AS TO WHY THEY RESTRICTED MY ACCOUNT AND CAUSED MAJOR PAYMENT PROBLEMS.

THERE WASNT ANY SABOTAGE TO MY ACCOUNT. MY BANK REVERSED A XXXX XXXX CHARGE AND THEY ESCALATED THAT CHARGE REVERSAL AS IF IT WAS A MAJOR ACCOUNT BREECH. AFTER I SPOKE TO THE ACCOUNT EXECUTIVE, WHO WAS AMERICAN, SHE TOLD ME MY ACCOUNT WOULD BE RESTORED.

SUBSEQUENTLY I CONTINUE TO RECEIVE EMAILS AND TEXT MESSAGES OF NON PAYMENT OF BILLS DUE TO PAYPAL RESTRICTIONS ON MY BANK, XXXX XXXX XXXX XXXX. 
XXXX IS BLOCKING PAYMENTS FROM MY BANK. 
I STILL CANT BELIEVE WHAT THEY HAVE DONE. IT IS JUST UNBELIEVABLY RIDICULOUS.
Product: Credit reporting, credit repair services, or other personal consumer reports

This agency h as 1 : R eported a balance as in " collections '' which was paid to  XXXX   XXXX  before I had any contact from th em. 2 :  Failed or refused to report to credit agencies that this amount was paid in full on  XXXX / XXXX / 17 .  3 :  Provided a letter falsely stating that they received payment from me, on  XXXX / XXXX / 17 . No payment was made to them . 4 :  Stated that they do not have, or will not provide any evidence that the debt was ever assigned to them in a recorded call on  XXXX / XXXX / 17 .
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 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 XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes. 

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Debt collection

Per XXXX XXXX XXXX, Portfolio Recovery Associates is not licensed as a debt collector in my state of Illinois. They only have an consumer installment loan license. This license authorizes the following activities XXXXXXXX XXXX XXXX  Purchase of retail installment contracts XXXX of motor vehicle retail installment contracts Title-secured lending NOT Debt collecting.
Product: Debt collection

XXXX XXXX National Credit Adjusters Subject : Cease and Desist Letter Regarding Debt Collection Activities - Lack of Chain of Title Dear National Credit Adjusters, This letter constitutes a formal cease and desist letter regarding your debt collection activities related to the alleged debt of [ Account Number or Description of Debt, if known ]. 

I believe your collection efforts may be unlawful due to a lack of a valid " chain of title. '' Specifically : I dispute your ownership of this alleged debt. 
I request that you provide me with verifiable documentation demonstrating a clear and unbroken chain of title proving your legal right to collect on this debt. 
This documentation should include proof of how the debt was transferred from the original creditor to your agency. 
Until you can provide satisfactory evidence of your ownership of this debt, I demand that you immediately cease all collection activities related to this alleged debt, including : All phone calls, emails, and letters to me. 
All contact with my employer or any other third party. 
I further request that you provide me with the following information in writing within days of receiving this letter : The name of the original creditor. 
A copy of the original contract or agreement. 
A verification of the amount owed. 
A detailed statement of all payments made. 
Please be advised that I will not hesitate to take further legal action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and/or the Federal Trade Commission XXXX FTC ), if you continue to engage in unlawful or harassing debt collection activities. 

Sincerely,
Product: Debt collection

I am reporting a collection on my credit reports and challenging its validation. As of XX/XX/2024, there has been a collection account added to my credit report with the XXXX bureaus by XXXX XXXX. It is stated that the original creditor is PREMIER PROPERTY MANAGEMENT. The balance is {$1500.00}. The account numbers among the XXXX bureaus seem to not match- they are truncated. Also, it is very doubtful that the collection agency will be able to produce an original hand-signed contract. Lack of proof of contract means no authority to report or collect. Innacurate, incomplete, and unverifiable accounts are a direct violation of the Fair Credit Reporting Act. When an item on my report falls under XXXX of those XXXX categories, the credit bureaus MUST remove said item. Please assit me in having this erroneous and incorrect item removed from my report as it is negatively impacting my credit scores.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the immediate removal of unauthorized hard inquiries appearing on my credit report. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), the Gramm-Leach-Bliley Act ( GLBA ), and other applicable laws. These inquiries were made without my explicit consent and are not related to any of my active accounts. 
The specific hard inquiries in question are : XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Mortgage

I was behind in our property taxes because of personal/medical issues ; as a consequence we put our house on the market to be sold. In the mean time my mortgage company ( Bank of the West ) paid off the property taxes due and sent me notice that my mortgage payment was going to be more than twice the current amount, this is more than my monthly take home pay. I have reached out to Bank of the West numerous time to try and modify the amount due to avoid potential foreclosure, while trying to sell the house. The representatives I spoke with have not provided any help, including any kind of forbearance or temporary loan modification, in fact they told me if I do not pay what I owe immediately, foreclosure would commence. I would appreciate assistance in helping resolve this issue, as Bank of the West seems intent to force me into a foreclosure situation.
Product: Debt collection

XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX EASTERN ACCOUNT SYSTEM, Reported : XXXX. XXXX, XXXX Your company have violated FCRA XXXX ( f ) ( XXXX XXXX. XXXX ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( XXXX ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section XXXX of this title has resulted from identity theft. 
( XXXX ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( XXXX ) after the date of a notification under paragraph ( XXXX ). 
( XXXX ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section XXXX of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious EASTERN ACCOUNT SYSTEM, Reported : XXXX. XXXX, XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX California XXXX XXXX XXXX XXXX me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SEC XXXX XXXX XXXX XX/XX/XXXX ADDRESS : XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX
Product: Mortgage

I applied for a HELOC from Citizens Bank. 

As a part of the application process, Citizens requires that I sign an " Authorization Form '' which grants Citizens the right to obtain any information at any time about my application, which seems rather excessive, unnecessary and unfair. 

My concern is that in order to get a HELOC, Citizens will have the right to pull my information whenever it wants. 

The form says - " ... the undersigned hereby give Citizens authorization to obtain any and all information necessary to complete my application request. It is understood that a photocopy of this form will also serve as authorization and the right to verify or re-verify all information for any time period before or after the credit decision is made. ''
Product: Credit reporting or other personal consumer reports

TransUnion removed the XXXX XXXX Account that I'm a authorize user on and I want it back on my report my credit immediately XXXX Removed the XXXX XXXX Account that I'm a authorize user on and I want it back on my report Immediately