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

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 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

Attached you will find documents requesting the method of verification for this account in question by this debt collector. Experian claims they contacted the data furnisher and they the data furnisher verified the account but how if I wasn't provided any of the method of verification documents I've requested. Until those details items are recieved I want this item removed from my consumer report as this debt is in DISPUTE, that would be a violatio

n Pursuant 15usc 1692e8- False or misleading Representation. Furthermore As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. INCOME DOES NOT GET REPORTED ON THE COSUMER REPORT, WHICH MAKES THIS REPORTING INACCURATE. I also received a letter stating that the CRA needed additional documents of my indenity this is a stall tactic to slow down my efforts to get this account investigated. Also under 1692G validation of debt copies will not suffice in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion should not be reporting me as an authorized user on the XXXX  XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted the bank as well as the bureau to remove this account however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item need to be removed from my credit report.
Product: Mortgage

Pinnacle Capital Mortgage Corp - Servicing On XX/XX/XXXX I submitted a request in writing via certified mail to exercise my federal right to have my PMI removed. I called on the following dates to follow up and on the last call I was told that someone would contact me by the end of XX/XX/2019 and no one has done so to date : Call in dates : XX/XX/2019 ( twice ) call was disconnected XX/XX/2019 XX/XX/2019 It  is now XX/XX/2019 with no contact from the servicing company. Federal law allows for me to make this request and for them to have the  correct information in my file - which remains in error despite my repeated attempts to correct this and my escrow balance. 

Please help
Product: Debt collection

Portfolio Recovery Associates is telling me I owe them {$6500.00}. This is originally from a XXXX XXXX credit card. As Ive explained umpteen times to XXXX XXXX, the entire balance is made from fraudulent transactions. I was the victim of identity theft. I DO NOT OWE THIS MONEY. I am not giving them a XXXX!
Product: Debt collection

I requested that XXXX XXXX provide me with validation that I owe THEM money. I also requested that they show copies of papers saying that I agreed to pay what they say I owe & I did not receive that information. I did however receive the documents that they claim are debt validation. But I am here to advise that the account summary from your computer database that was sent over does not validate that I owe them any money. I am requesting documents showing that I agreed to do business with THEM ( XXXX XXXX  ) and that the money is owed to XXXX XXXX. Please provide me with a signed contract that shows my signature agreeing to do business with XXXX XXXX. Furthermore according to the XXXX you can not collect on a charged off debt purchased from the original creditor. I want this information removed from my credit report immediately! 

I sent Convergent a certified letter asking for proof of the debt requesting copies of outstanding bills from XXXX, the original collector to which tally up to the amount of {$5300.00}. I would like an explanation and breakdown and most importantly ALL of the outstanding bills from XXXX, which justifies and shows the amount owed. Convergent only provided me with an account summary, which is useless to the information I requested. I have demanded to see how XXXX & Convergent, have calculated the amount owed of {$5300.00}, preferably through outstanding bills. Your company has found this debt to be valid however did not provide me with any justification, bills or unpaid balances reports of the valid or any of the information I requested in the certified letter which was sent and received by Convergent on XX/XX/XXXX. Pleased note again, I need to be provided with the outstanding bills from the original company, XXXX that lead up to the amount of {$5300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple disputes and FTC report regarding these fraudulent items on my credit report that DON'T belong to me. I DO NOT have a record of doing business with these companies. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.
Product: Checking or savings account

I am currently working with my fathers attorney applying for Medicaid because my father and mother are both in a nursing home. I am the Trustee of my fathers Trust and I am his Power of Attorney. The beginning of XX/XX/XXXX I contacted Capital One to close a 360 Savings Account. I was told that I needed to send them the Power of Attorney documents. I sent them on XX/XX/XXXX. Since that time I have called and called and the response is that department is backed up - we are going on 60 days to close an empty account. The account has a XXXX  balance - I just need it closed. 

Talking to a supervisor is useless they know nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fraudulent accounts reporting on my credit report. It do not belong on there. I have documents of SSN, DL, Fraud Report and proof of Light Bill. Please remove negative accounts and personal information on the fraud report! 


In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

I am submitting this complaint online to the Consumer Financial Protection Bureau regarding the inaccurate reporting of a charge-off on my credit report by XXXX XXXX XXXX XXXX XXXX The account in question was established in XXXX, yet the charge-off is erroneously dated for XXXX. This misinformation is adversely impacting my creditworthiness and ability to access credit, housing, and loans. 

Additionally, I recently discovered that XXXX payments {$600.00} on XX/XX/XXXX and {$43.00} on XXXX withdrawn from my account without my authorization. I request that these unauthorized payments be refunded promptly. Furthermore, the dates and comments associated with the charge-off on my credit report appear to have been manipulated, prolonging the negative impact on my credit history beyond the appropriate timeframe. 

Despite the adverse effects on my financial well-being, I did not receive any official correspondence or notification from XXXX XXXX XXXX XXXX XXXX XXXX charge-off or the unauthorized payments. Furthermore, I have faced financial hardship due to unemployment resulting from injuries. 

I respectfully request the Consumer Financial Protection Bureau to investigate this matter and take appropriate action to rectify the inaccuracies on my credit report and ensure that I am refunded for the unauthorized payments.
Product: Credit reporting or other personal consumer reports

my XXXX XXXX all from one XXXX XXXX XXXX XXXX has been with several agenies through the years from XXXX XXXXXXXX XXXX to fed loan servicing to currently XXXX they should be forgiven under Biden administration law however every time i try to submit says im only eligible for income driven repayment plan the 3 or 4 loans are consolidated into one loan around {$34000.00} for whatever reason every time the loan is moved to a different collection servicing agencies it creates a new loan under each credit bureau making it seem like i have 3 separate loans with each credit bureaus verses 1 consolidated loan reporting one time to Equifax XXXX and XXXXIt however reporting 3 separate loans of {$34000.00} to Equifax XXXX and XXXX reporting debt of my XXXX XXXX  around {$100000.00} alone verses just {$34000.00} being it keeps going to agency to agency even after consolidation this has heavily hindered my credit worthiness and is negatively adversely affecting me from getting better housing interest rates on cars and other goods because a high debt to income ratio.
Product: Checking or savings account

Hello!     My checking account at the  Fifth Third Bank  went into overdraft on    X/XX/2017 .
<P/>  The bank did not notify via mail, phone, email or text.  <P/> I have banked regularly with th e Fifth Third Bank  for over 10 years and have received regular direct deposits during this time period. My lengthy history wit h Fifth Third Bank  demonstrates regularity and compliance.  <P/> If I had received any type of notification fro m the Fifth Third Bank   regarding the balance of my account I would have taken immediate action to correct the error.  <P/> My payroll did not go through as it always has, so the account balance went negative.  <P/> I find it absolutely unacceptable that over the course of 10 days the bank took no action to notify me, but instead ran rapid fees to my account.  <P/>  Fifth Third Banks states  they sent " emails '' which I never received. If I would have I would have called my employer immediately, called the bank and corrected the situation.  <P/> When I conta cted the Fifth Third Bank in hope finding a resolution that works in both our favors they denied me any act of  compassion or understanding.  <P/>  Fifth Third Ban k stated " We recommend checking you account regularly. '' The bank issued a credit to my checking account in the amount of {$37.00}  Fifth Third Bank sa id " Check you account notifications to avoid this in the future '' I spent over a week on the phone with different managers, account representatives and branch managers with no resolution even considered from the bank.  <P/> Even after I talked to the bank they continued to run fees on my account.  <P/> They have prevented me from paying m y Fifth Third credit ca rd bill which I asked my parents to pay to avoid any more fees from them. As of now I am not allowed to make payments.  <P/> I feel I was scammed by The  Fifth Third Bank . As I am a regular working class person who is paid regularly.  <P/> I find this appalling and unethical.  <P/> The dates and fees are as follow s :  X/XX/2017  in the amount of {$110.00}  X/XX/2017  in the amount of 148.0 0  X/XX/2017  in th e amount of {$110.00}  X/XX/2017  in the amount of {$110.00}  X/XX/2017  in the amount of {$74.00}  X/XX/2017  in the amount of {$110.00}  X/XX/2017  in the amount of {$37.00}  X/XX/2017  in the amount of {$37.00}  X/XX/2017  in the amount of {$37.00} ( bank wo n't allow me to pay my credit card bill and charged me a late fee ) Total overdraft fees equal {$770.00}.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block.inc ) due to inadequate Cutomer service and unfair practices, which violate the consumer Financial protection Act CFPPA Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

INQUIRIES / Hard pulls/Negative Also without my permission from XXXX XXXX XXXX Trans union and XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Discover credit card offers price protection to promote its use. I 've been using this benefit in the past without any problems. Lately one of my claims was denied because they used different Criteria to determine the eligibility. My previous claim XXXX was approved on XX/XX/2015 for XXXX puchased from XXXX and paid back for the price difference. My newer claim XXXX was denied, however it was the same puchase in nature for XXXX. The price protection is against the same store to pay back the price difference. There was no notification about any new policy or change of term of the price protection. It is not fair for consumers to continue using the credit card under the false assumption that the benefit is still available. I contacted the discover price protection XXXX when I first received denial letter around XX/XX/XXXX. I then wrote a letter to them, but was denied again XX/XX/XXXX. I hope Discover could honor my request for {$190.00} price protection difference. I also wish Discover could send out letters to other consumers about their change of policy.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$670.00} XXXX XXXXXXXX Balance Owed : {$530.00} XXXX XXXX Balance Owed : {$2400.00} XXXX XXXXXXXX Balance Owed : {$360.00} XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$300.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$2400.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance Owed : {$9100.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$360.00} XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$530.00} XXXX XXXXXXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Balance Owed : {$670.00} XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXXXXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX  XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$470.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX Balance : {$2800.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1700.00} ; XXXX XXXX Balance : {$7100.00} ; XXXX XXXX  XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasnt approved so it prompts me to check my credit report. These items listed are not mine and need to be removed XXXX  XXXX XXXX XXXX XXXX {$3200.00} XXXX XXXX XXXX {$22000.00} XXXX   XXXX XXXX {$190.00} XXXX {$1700.00} US DEPT ED XXXX {$13000.00} XXXX XXXX XXXX {$500.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXXXXXX BANKRUPTCY XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts and unauthorized inquiries from my credit report. As a victim of identity theft resulting from a data breach, I did not authorize the accounts or inquiries listed below. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items removed from my credit file immediately. 
Fraudulent Accounts to Be Blocked and Deleted XXXX. XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance : {$1800.00} XXXX. XXXX XXXXXXXX o Account Number : XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance : {$270.00} XXXX. XXXX XXXXXXXX XXXX Account Number : XXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX Balance : {$590.00} XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX  Date Opened : XX/XX/XXXXXXXX XXXX Balance : {$160.00} XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance : {$4.00} XXXX. XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance : {$1400.00} XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance : {$3800.00} XXXX. XXXXXXXX XXXX  XXXX XXXX Account Number : XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance : {$1400.00} XXXX. XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance : {$600.00} XXXX. XXXX XXXX Account Number : XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance : {$600.00} XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance : {$350.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance : {$170.00} XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance : {$3000.00} Unauthorized Inquiries to Be Blocked and Deleted XXXX. XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX. XXXX XXXX ( XX/XX/XXXX ) XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XX/XX/XXXX ) XXXX. XXXX XXXX ( XX/XX/XXXX ) XXXX. XXXX XXXX XXXX XXXX ( XX/XX/XXXX )
Product: Debt collection

I am writing to express my frustration regarding the lack of action on the fraudulent accounts present on my credit report. Despite multiple attempts to dispute and submit complaints, I have not seen any progress in their removal. 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 XXXXXXXX if the fraudulent accounts are not promptly removed, I will seek legal counsel. I believe their inclusion violates my rights under the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 prior complaints that were closed by XXXX   and Equifax, # XXXX and XXXX without resolving the issue. XXXX is claiming that they verified XXXX XXXX XXXX XXXX as part of a Chapter XXXX Bankruptcy. XXXX has verified that the same account as being paid off used to be charged off. I have provided credit reports with inaccurate information anXXXX XXXX and Equifax have failed to delete this item. Also, they failed to remove it as so-called verified Bankruptcy with no delinquent accounts attaches to it. What did I file bankruptcy for if there are no accounts to be discharged? I'm providing proof that XXXX has verified the XXXX XXXX XXXX XXXX account as paid/charge off not a part of Chapter  XXXX Bankruptcy. I am also providing proof that XXXX  has deleted the inaccurate/incomplete Bankruptcy from my credit report to reflect accurate information. XXXX and Equifax have a duty to report accurate, complete, and verified information under the FCRA. Please refer to the complaints listed above for previous proof of my complaint. XXXX and Equifax keep sending papers stated I should write a 100-word statement. I have done that several times and keep getting these automated responses. This is unacceptable at this point.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00}
Product: Checking or savings account

Without notice Bank of America closed my business account on XX/XX/12, with no explanation, talked to multiple associates to no avail. They cant tell me why they closed it and tell me its closing on XX/XX/XXXX, even after that it will take 7- 10 days to receive a check. It is detrimental to my livelihood and my business to wait 5 weeks to receive my money. I am baffled they can not give me any reason as to why it was closed and why its closing XX/XX/XXXX and can't even touch it until then.
Product: Credit card or prepaid card

This company XXXX sent me multiple emails asking me to verify my banking. Then they sent me two cards by XXXX. 

They deducted {$500.00} from my business checking without my signature or verbal authorization. 

I have called the customer service number multiple times and they tell me they can not find any information. 

I found another office to call, when I called today I was told that if they took the {$500.00} it would be refunded back the same way it was taken. The representative hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account 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 XXXXXXXX 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 that a consumer reporting agency can not furnish an account without my written instructions.