23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX  - Reference number XXXX THE INFORMATION ON THE COURT WEBSITE DOES NOT MATCH THE CREDIT REPORTING AGENCY DETAILS XX/XX/2022, I sent a letter to the courthouse asking if they report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.
Product: Mortgage

My mother passed away in XXXX of this year. I go to probate court on Tuesday XX/XX/2018 I informed XXXX XXXX of this and that I want to keep my mother 's home. They filed to foreclose on my mother 's home for a reverse mortgage a balance due of {$5300.00}. 
They won't talk with me until Probate Court. This is not fair. My mother 's home has memories that I shared with her and I don't want to lose it PLEASE HELP ME, I BEG OF YOU
Product: Debt collection

I wanted to cancel a gym membership at XXXX in XXXX FL, due to a major car accident injury that I suffered. I had to cancel after the seventh month of the the XXXX year contract. To cancel they wanted to charge me {$500.00} plus. I refused to pay that amount and now they are harassing me by giving my number to debt collectors that call constantly to threaten me of ruining my credit and filing suits. I think this is fraud and a very low move by this chain of gymnasiums. I hope someone drops the law on them because they need to be stopped.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX was paid off b/c it was hurricane harvey it was a least all lease has gap!!!! 

FTC report and police, hacking
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate deletion of inaccurate information on my credit report as required under the Fair Credit Reporting Act ( FCRA ), Section 611. My personal information was affected by the XXXX data breach, and it is critical to ensure that only accurate and verified information remains on my credit file.
Product: Debt collection

Someone with Douglas Night and Associates called me from XXXX advising they were calling me about an accident I had back in XXXX in 2017. He said the other party filed a bodily injury claim for XXXX dollars and I have to pay that amount. I asked if the other party is suing me and the representative advised me that the other party could sue me if I didn't pay this amount. After working in the insurance business for over 3 years, that amount would be paid out under their personal injury protection coverage on their own policy. This rep advised me that if I did not pay this amount, he would revoke my driving privileges and take my vehicle registration away from me. After reviewing the reviews on this number, he seems to be a scam artist coming after accident victims. I am very upset that he called me and harassing me so I would pay that amount to him. I also know that working in the insurance world, I wouldn't get a phone call from someone if I were to get sued, I would have been served papers, which in this case, I was not.
Product: Credit card or prepaid card

The promo date ended in XX/XX/XXXX. We had monthly payments withheld from our checking account that coincided with the end promo date. Needless to say, we received a statement from them saying we needed to pay {$170.00} in interest. I spoke with a rep, who assured me it was taken care of, and we would not be billed again. They still billed us for the interest, and we paid that, confirmation # XXXX XX/XX/XXXX. 
They still withheld a XX/XX/XXXX payment of {$410.00} and tacked on {$170.00} more interest. 
Please help us. We are seniors who pay our bills. It was against my better judgement financing with this company, through XXXX XXXX. 
Sincerely XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This collector has attempted to contact me on or before XXXX on several occasions. They can not prove the amount they are attempting to collect. They are unwilling or unable to produce the original contract with my wet signature to prove the validity of the debt. The alleged debt is more than XXXX XXXX XXXX and is inaccurate. The amount owed has been disputed on multiple occasions, they are working in conjunction with XXXX, a know serial violator, infamous for their abuse of process. Hiring several debt collectors over time to collect the same erroneous debt. They are misrepresenting material facts and showing incorrect data.
Product: Credit card or prepaid card

Last Tuesday around XX/XX/XXXX, my Chase cards were forcibly removed from XXXX XXXX. I did not remove them from XXXX XXXX. I tried adding them back to XXXX XXXX and it said to contact the card issuer. They said that my account is in good standing and EVERYTHING IS FINE. 

Even to this day I can not add these cards back to XXXX XXXX. it's the primary way I use my chase cards to prevent unauthorized transactions. Their technical support was of no help. 


Also, there was a transaction on my Chase Sapphire card for about XXXX. I was erroneously charged for someone else 's transaction at this restaurant as I did not order this much from that restaurant. I only ordered about {$14.00} worth of food. I don't have my receipt anymore but I don't even know what to do now.
Product: Credit card or prepaid card

My name is XXXX XXXX, taking care of estate for XXXX XXXX who died XXXX. 
He spent most of the summer in hospital. While in his cleaning lady stole a check and forged a $ XXXXcheck. She wouldn ; t pay it back so he filed fraud charges against her with XXXX county police. He ended back in hospital and 3 guns and a {$1400.00} genterator were stole, which he reported. 
Ok so after he died I went down there to settle thing, His household had been totally stolen. His mail bix was stolen so there was no mail. I find out his wallet and credit cards are also stolen. 
There were hundreds of charges on his discovery card. There were two cards. Discover said the one was fraud. Then I find out that there was another. Which now they claim is not fraud. I asked them to check the other card and they refused, saying its in a different department and they don't trade information. 
I charge they are playing a game. 
XXXX lived by himself, very independent. This last summer he got his meals from XXXX XXXX XXXX. The fire dept was there over 10 times last summer to get him up, It got so bad they just took him to the hospital. He didn't have a car, but credit card records show a bunch of gas purchases, some 3 times a day. there were hundreds of cash advances while he was in the hospital.

XXXX XXXX had a bunch of charges of over XXXX that they wrote off saying they were fraud. But discover is fighting it. Other than getting the attorney on it, I don't knw what else to do. 
XXXX XXXX lived atXXXX XXXX XXXX XXXX, flXXXX He lived on social security, and small pension. He paid his bills every month Discover # XXXX and # XXXX
Product: Credit reporting 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 Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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: Student loan

I recently disputed the accuracy of the late payments on this account with no response within 30 days. According to Section 623 of the Fair Credit Reporting Act, it is my right to dispute with the creditor the accuracy of this account. It is also the duty of the creditor to provide accurate records pertaining to the debt or remove the negative information if they can not do so.
Product: Credit card or prepaid card

I have contacted TD Bank about a fraudulent credit card ending in XXXX. I have tried to resolve this matter with TD Bank and still there is no resolution. When I call the customer service, I am speaking with a different customer service representative every single time. I sent in a police report to the credit bureaus regarding this account. T.D bank is electronically verifying this account stating that it belongs to me because they are attaching it to my date of birth and social security number. I asked for written documentation about this account and I have still have not received the information. I asked for application, account information and details and this still has not been sent to me. This account is fraud and T.D Bank needs to remove this account from my profile.
Product: Consumer Loan

On XXXX XXXX, 2015, I submitted payment of {$14.00} in a cashier 's check # XXXX to XXXX XXXX XXXX to payoff lease vehicle. It 's been forty-four days and Toyota Financial Services has not updated my credit report to show the account has been paid in full with a XXXX balance. The account is listed under XXXX XXXX and XXXX XXXX, as co-signer. I have filed several disputes with all XXXX CRA and the company has not complied. I would greatly appreciate your assistance in this matter ; and request a full investigation into the conduct of this company for failure to report.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 made ach payment to PNC. on XX/XX/XXXX PNC said my bank stopped and reversed payment. On XX/XX/XXXX called PNC to question why funds were reversed. Then called my bank XXXXXXXX XXXXXXXX XXXX XXXX to see if they did intact stop or reverse payment. They did not. Called PNC back. They wanted me til XX/XX/2022 because of holiday. On Monday XX/XX/XXXX I called back. They wanted me to submit bank statement. I went to local PNC branch had them send in information to start research. Called my bank and checked PNC on line both Pnc and XXXX XXXX XXXX. To check on funds. PNC kept saying it would talk 7 days to resolve. Called back XX/XX/2022. To PNC to find out what happened to my payment. Was transferred to 3 different people. All of which new nothing. Finally was transferred to local back again. Which has nothing to do with this problem. He called someone and said nothing had been done yet. So again XX/XX/2022 I sent them in a complete statement from my XXXX XXXX XXXX  ACCOUNT that showed ihad not recievied my funds back. They said it would that another 7 to 10 days to research this information. I said this was unexpectedly taking to Long. I have already wanted 7 days tomorrow. She said they would give me a call back in 24 hours. So far everything they told me is not happened. And today they verified they have not stopped any investigation.
Product: Credit reporting or other personal consumer reports

I contacted Transunion and XXXX about the 2 reporting collections they both have on my consumer report. The debt has been cancelled with a 1099C for both reporting collections and I have disputed the collections but Transunion and XXXX fail to remove the collections even after I disputed them. They are in violation of my rights.
Product: Money transfer, virtual currency, or money service

Be it known that we had submitted a complaint XXXX on XX/XX/XXXX. We immediately withdrew the complaint, at the instruction of CPFB, since a critical document had failed to attach. When we withdrew the complaint, it was closed in the CPFB system. You never responded to the original complaint, since it had been withdrawn. We have resubmitted twice on CPFB 's instructions, but both have been rejected as duplicates of the original complaint. This is not a duplicate. It is an original complaint for which you have not responded. the events in question are as follows. 

I received a seemingly urgent alert on my computer, indicating a potential virus threat. The alert prompted me to call a support number, and I, unfortunately, fell into the trap of a fraudulent entity. The individual I spoke with, who identified themselves as " Ira, '' claimed to be from XXXX XXXX and asserted that my devices were infected with a malicious virus known as the XXXX XXXX. To add credibility to their claims, I was instructed to XXXX the mentioned virus, and upon doing so, I found information that seemingly supported their narrative. In a state of panic, I followed their guidance, turning off all my devices and reviewing my bank accounts as instructed. During the course of the conversation, I was transferred to a supposed " fraud department, '' where I interacted with an individual named " XXXX. '' It was at this point that the situation took a more serious turn. I was informed that an unauthorized withdrawal of {$24000.00} had been made from my TD account to purchase XXXX. Disturbingly, I was led to believe that TD Bank had been notified and had confirmed my approval of this transaction. In an attempt to rectify the situation, I was coerced into withdrawing an additional {$24000.00} and purchasing XXXX, mirroring the initial fraudulent transaction. The scammers claimed that this would prompt TD Bank to flag the charges and cancel both transactions. Regrettably, I followed these instructions and used a Coinhub Bitcoin ATM, only to realize later that I had fallen victim to an elaborate scam. Immediately after the calls concluded, I contacted the legitimate fraud department of TD Bank to report the incident. However, I was disheartened to learn that there was seemingly little that could be done to recover the lost funds. This is particularly distressing considering that earlier this year, TD Bank successfully frozen a {$700.00} transaction under claims of suspicious transfer, while they allowed this much larger one to go through without as much as a check-up call. The events described above ultimately lead to a substantial loss of {$24000.00} utilizing TDs and XXXX services on or around XX/XX/XXXX. We cant believe that TD didnt take firmer measures to safeguard our funds since, only a short time later, they put a multi-day hold on a {$700.00} transfer from our savings to our checking account while they investigated what they considered a suspicious transaction per a teller in the branch near where we were vacationing.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$6900.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$68.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX Balance : {$620.00} XXXX  XXXX Balance : {$200.00} XXXX  XXXX Balance : {$190.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX  XXXX Balance : {$310.00} XXXX XXXX XXXX  XXXX Balance : {$290.00} XXXX XXXX Balance : {$2000.00} XXXX XXXX  XXXX Balance : {$6000.00} XXXX XX/XX/XXXXXXXX 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 did not consent to, or authorize nor benefit from any of the following INQUIRIES. Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX XXXX  Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX XXXX Date of Inquiry XX/XX/year> & XXXX XXXX XXXXDate of Inquiry XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report and found that you are illegally reporting inaccurate, noncompliant, and false information about me. The following alleged account is listed as a collection with a PAST DUE BALANCE OF {$290.00}, {$1800.00}, {$180.00}, {$630.00}, {$240.00} Account Name : XXXX XXXX / Account Number : XXXX & XXXX / Description : XXXX XXXX XXXX  XXXX XXXX Account Name : XXXX & XXXX XXXX XXXX Account Number : XXXX / Description : XXXX Account Name : XXXX XXXX/ Account Number : XXXX / Description : XXXXXXXX XXXX XXXX XXXX XXXX Account Name : XXXX / Account Number : XXXX / Description : XXXX Account Name : XXXX XXXX XXXX XXXX / Account Number : XXXX / Description : XXXX XXXX XXXX This is a violation of the FCRA and is also in violation of requisite METRO 2 Compliant reporting standards By provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX  enacted CDIA Metro 2 COMPLIANCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above-mentioned derogatory items be investigated and permanently removed from my report. 

It has been well over 30 days and I have not received any proof of response to these alleged debts thus should be removed. 

I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mail. 

Best, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The credit reporting agency is reporting an undeliverable address. The addresses are as follows : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Equifax XXXX XXXX XXXX XXXX XXXX, FL XXXX Equifax XXXX XXXX XXXX XXXXt XXXX FL XXXX XXXX
Product: Credit reporting or other personal consumer reports

I put in disputes with XXXX, XXXX, and XXXX, and it was a problem with my address! I reside at XXXXXX/XX/XXXX XXXXXX/XX/XXXXXXXX, and XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX! heres my license and social security card! I would like these companies to continue with all my disputes and take all the negative items of my report!
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. XXXX, XXXX. XXXX Date Opened : XX/XX/XXXX Balance : {$990.00}, 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 Balance : {$2100.00}. Please delete. Also, The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Please remove these inquiries.
Product: Debt collection

I respectfully request that you conduct a thorough investigation, as by the Fair Credit Reporting Act ( FCRA ). I would like to request that you please send me a template letter in response to this request. I am in the process of planning a legal case, So I need specific answers to specific questions asked of you in this letter. I am very interested to learn how your investigator ( s ) arrived at this conclusion. I would like to see a complete list of all documents and correspondence between the credit bureau, existing creditor, and original creditor. Please include all names and contact information of employees that you spoke to as part of your investigation. These accounts listed below as collections /charge off / Late pays/ charge offs on my credit report, but I have never received a 1099c for these accounts. Can you please provide me with a 1099c to accurately reflect them being charged off for tax purposes. 15 Us code 1692c 1692g 1681e ( b )
Product: Credit reporting or other personal consumer reports

Unexpectedly, unauthorized inquiries have appeared on my credit report this morning. Upon my routine check, I found discrepancies that I hadnt seen before. Refreshing my browser didn't fix the issue, and the unauthorized inquiries persisted. Because of this, I ask that the documents I've sent be thoroughly reviewed to prevent future worries.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent an investigation request to XXXX  and Trans Union. They are supposed to respond with the investigation results within 30 days. Its been 45 days, and they have not responded yet.