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

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXXXXXX Balance : {$5600.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX  XXXX Balance : {$10000.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$13000.00} ; XXXX XXXX XXXX XX/XX/XXXX ; EXPERIAN XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Checking or savings account

On Thursday, XX/XX/22 I made a CASH deposit of {$1400.00} in a Citizens Bank ATM # XXXX located in the XXXX XXXX XXXX XXXX on XXXX XXXX in XXXX, MA. 

I accessed my account with PIN, and selected Cash Deposit. The door for deposits on the ATM opened and I inserted 14 {$100.00} bills. The ATM took the cash and proceeded to count it. After a while, it rejected 3 {$100.00} bills, then one more, and after another pause a last {$100.00} bill was rejected by the ATM. 

I waited and got a message from the ATM that the deposit could not be processed, and I got a short printout that had : ATM #, Date, Card # and Location, and stated " Cash Deposit Your transaction can not be processed '' and " Please contact your financial institution '' THE ATM STOLE {$900.00} from me, Did not define my account number or the {$900.00}! I AM OUTRAGED BY THIS. 

Thank god I selected a hard copy receipt or I would have no evidence of this thievery or incompetence whatsoever. 

After 3 phone calls - the first 2 dropped out - reason unknown, I was able to file a claim, Claim # XXXX. On Friday, XX/XX/22, not trusting the local ATM, I deposited the balance of {$500.00} with help from a Teller. Shortly after the {$500.00} deposit, I went online to verify the {$500.00} deposit and saw that {$900.00} had been put in my primary checking account, dated XX/XX/22 and noted as Credit Memo and Dda Credit. 

No apology. Repeat : No apology. No email or other notification that the {$900.00} deposit had been completed. I'm starting to really dislike banks in this era.
Product: Credit reporting or other personal consumer reports

Experian, XXXX and XXXX are reporting late payments on account XXXX XXXX during XXXX and XXXX. According to the Fair Credit Reporting Act late payments are a violation under 15 USC 1666b.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have to the right to privacy.

15 U.S.C. 1681 Section 604 A, Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

Since COVID where XXXX XXXX XXXX very bad for XXXX months and still have XXXX XXXX from XXXX I had to reduce the overtime hours I worked I was out of work for XXXX months in XXXX without pay I went back to work and still find it hard to keep up with all my bills and now Im back out of work since XXXX and should be going back in XXXX and Im also not getting and pay because Im waiting on a court date for the judge to have workers comp start paying me. Also my wife is out of work due to a disability since XXXX to present she had XXXX surgeries in that time and still has not healed yet her last surgery was XXXX XXXX in XXXX of XXXX. So I was hoping for a pause in mortgage payments or a reduction to XXXX with no penalty or restructure the loan please and thanks I really would appreciate this my kids are in college and I just want them to continue their studies without worrying.
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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Charge-Off with XXXX XXXX XXXX XXXX XXXX, a late payment with XXXX XXXX XXXX and a collection that I have been disputing with the bureaus since XX/XX/XXXX. For this timeframe, they have not removed the accounts or done anything to help me. During my last dispute that I submitted to the bureaus on XX/XX/XXXX, the bureaus did not even acknowledge those disputes at all! Here it is XX/XX/XXXX and I am STILL waiting for responses from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

on. for 15 U.S.C 1681 section 602 A. states I have the right to privacy. 

XXXX5 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 XXXX XXXX XXXX XXXX open balance {$8900.00} open XX/XX/2022 original creditor is XXXX XXXX XXXX XXXX 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. 

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late any reasons.
Product: Credit reporting, credit repair services, 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 investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX  XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$4300.00}
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I submitted a request to send money to a family member in XXXX using the Paysend app. The money still is not at the recipients account in XXXX XXXX. The money was debited from my bank account and on the app still shows in process. I tried to resolve by calling to cancel the transaction but apparently the transaction could not be cancelled or so thats what they claimed. This money was sent for an emergency and neither the money is the beneficiary account nor have received a refund. Transaction no XXXX It is totally unacceptable way of doing business.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company name : XXXX XXXX XXXX XXXX XXXX XXXX inquiry date : XXXX XXXX, XXXX Address : XXXX XXXX, SD XXXX Company name : XXXX ( XXXX Bank Delaware ) inquiry date : XXXX XXXX, XXXX Address : XXXX, DE XXXX
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 Account # XXXX - auto loan repossession with a balance of {$11000.00} owed is inaccurate and 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 an 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 or 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: Mortgage

Hello I am currently in bankruptcy and my home with PRMG loan is within that bankruptcy. I was made aware of the cares act and requesting a forbearance due to Covid and I sent the request directly to their website on XX/XX/2020 and still have not heard back from them. I am unable to reach them via phone Because the system is always automated and redirects you to another automated system so you never get to speak to a real life person! I still have not received any communication as to my status or an update on my request. I am very concerned because of my financial hardship. I am trying my best to work with them but I do not hear back from them. 

The mortgage company is PRMG and the incident number they have reported as solved meanwhile I have not heard back from anyone! They have links on their website saying that they will help you during this hardship due to Covid and ask you to request a forbearance virtually but then you do not hear back from anyone else it says youre going to hear back from us within 7 to 10 business days and its been well past that point! I am very concerned and I need help with this cares act I need to hear back from them as soon as possible.
Product: Debt collection

ARS refuses to abide by any rules and regulations listed under FCRA or FDCPA. In the previous complaint they stated Our client, XXXX XXXX XXXX/XXXX  XXXX XXXX, is a provider of XXXX XXXX XXXX XXXX at XXXX XXXX in XXXX, FL. Which means that you are attempting to collect money on an account that you bought from someone else. This account does not belong to you and there for I am not legally obligated to pay ARS anything. Proof of debt owed, does not mean ARS has the right to collect on a debt.
Product: Credit reporting

I was trying to get my free credit report, and as I was verifying information, one question said that XX/XX/2015i took out a mortgage loan. And I did not take out a mortgage loan. It also had different loan companies listed, nothing looked familiar to me, the question was how much were my mortgage payments each month, again I do n't have a loan payment to pay. Then another question was on XX/XX/2015 XXXX, XXXX, and other credit card company 's were issued with my information. And that was n't me either, this could explain why I 'm denied a rental or anything because of this .I recently filled out a rental application and was denied. I 'll be homeless soon and wo n't be able to get a place because landlords are gon na think it 's me when it 's not me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm having numerous issues with Experian Credit Bureaus first and foremost they show npupdating information to credit report, there's a lot misinformation that has cause me to denied credit. Second of all the credit scores they perpetuate are racially bias because scoring system they use show a high risk delinquency and default which is not the case with me. I will you prime example their XXXX scoring is XXXX XXXX Bank uses Experian to look at my creditworthiness ( in scoring me under their FICO system ) they deliberately leave ( 2 ) month information in the system that is outdated : too many inquiries in the last year on XXXX  there's only one inquiry, XXXX  there show no inquiry, but on Experian they're showing three why? As for the scores XXXX  is showing a XXXX score XXXX  is show XXXX and Experian is XXXX score again why is there large disparity in score with same information. I feel disproportionately targeted these judgments are then listed on my credit reports, which drive my credit score and limiting any opportunities for better rates. The factor with Experian inability or unwillingness to remove outdated information is the case with XXXX XXXX XXXX  where they has inquiry on credit report after apply for their with the understanding it wouldn't impact my credit why is it that Experian has not removed this inquiry/ This show how outdated information has effected my ability to get credit , drive down my score and lead other creditors to look at history and score in a negative way I'm going attached a host information to prove my point. I've spoken with them on a numerous occasions regarding this matter but I was unable to get them to review the matter. They informed to speak with creditors regarding the matters. How do speak to someone with information that's two months old/
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent certified mail a dispute to Equifax regarding the following accounts : Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Investments Account Number : XXXX Account Name : XXXX Account Number : XXXX As part of the dispute I sent a FTC Identity Theft and police reports.
Product: Credit card or prepaid card

I have had, for 30 years, a Citi Business MasterCard. In my XXXX statement here was a charge of {$59.00} for XXXX. I checked and two previous charges were sent through, one for {$1.00} and another {$59.00} No phone number was attached to the charge. It was a scam, I have my card, and never have done business with XXXX and have not had my identity stolen. 

I am XXXX  and the stress Citi caused was dreadful. They closed my card, and 10 days later I received a new card. But everything was lost on-line. Now, I cant reconcile my old card nor the miles I lost in the process. But an addition was added to my account agreement that allows Citi to act however they choose in the event of a dispute. They are now denying the dispute,. 

Are card holders at the mercy of this bank? Thank goodness, XXXX came to my rescue with a new XXXX XXXX Go Paperless is wrong because it fails.
Product: Credit reporting, credit repair services, or other personal consumer reports

Nelnet representatives told me that because the delinquent payments were accurately reported inXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX, that any subsequently initiated deferments would not allow for Nelnet to update reports to CRAs to show that the payments were not late and actually in deferment. However, Section 623 ( a ) ( 2 ) clearly shows that the reports must be updated/corrected regardless of whether they were accurate at one point. *
Product: Debt collection

Dear XXXX XXXX XXXX I am writing to bring to your attention a concerning issue regarding XXXX reporting practices on my credit report. It has come to my attention that they have unlawfully reported outdated information, which is negatively impacting my credit profile. I demand the immediate removal of this erroneous item from my credit report. As a responsible consumer, I believe it is essential to ensure the accuracy and integrity of credit reporting, and such inaccuracies should not be tolerated. I kindly request your assistance in resolving this matter promptly. Thank you for your attention to this issue. 

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

These inquiries showed up on my report without my permission and it is causing me undue stress. These were not permitted, and I don't authorize any of these companies to pull these inquiries on my report.
Product: Consumer Loan

ON XXXX I WENT XXXX TO GET A NEW CAR I TOLD THE SALES PERSON I ONLY WANT XXXX INQUIRE ON MY CREDIT REPORT REPORT SO THE AGREED TO RUN MY CREDIT WITH XXXX BANK ONLY WELL I GOT HOME THEY HAD RAN MY CREDIT WITH OTHER BANKS WITH OUT MY CONSENT
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up complaint prior to my previous complaint dated XX/XX/XXXX. I need these items to be removed from my file : XXXX  XXXX XXXX Balance : {$450.00} ; ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$460.00} ; XXXX XX/XX/XXXX. 

I already included the items from my last complaint no I am Including them again.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Under the UCC, I have a right to request accounting. Please provide the original ledger and/or authenticated record for this alleged debt. Please provide the accounting or proof that you lent me anything. UCC 9-102 ( 7 ) states Authenticate '' means : ( A ) to sign ; or ( B ) with present intent to adopt or accept a record, to attach to or logically associate with the record an electronic sound, symbol, or process. UCC 9-102 ( 70 ) states Record '', except as used in " for record '', " of record '', " record or legal title '', and " record owner '', means information that is inscribed on a tangible medium or which is stored in an electronic or other medium and is retrievable in perceivable form. You are required to send all documentary evidence. 15 USC 44 Documentary evidence includes all documents, papers, correspondence, books of account, and financial and corporate records. 

Please provide verification of the claim against me. This means a sworn affidavit or a hand signed invoice in accordance with the UCC.

This debt is listed as a charge off on my consumer report. Please provide a 1099c for this alleged debt. The IRS says that charged off debt is ordinary reportable income to the alleged debtor. If you refuse to do this, I will file a 1099c complaint which would then initiate them to file a form 4681 as well as a 3949-A Corporate Tax Fraud complaint and contact you. Charge offs are not debt.

You have also used my consumer report as a form of punishment and bringing harm to me by reporting this fraudulent account on my consumer report. That is aggravated identity theft. 18 USC 894 ( a ) ( 1 ) and 18 USC 894 ( a ) ( 2 ) states : Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both.

I have sent you a cease and desist letter as well. You continue to violate that federal law as well. You are still communicating indirectly through my consumer report. According to 15 USC 1692c you are prohibited from communicating with me.

Please know that I have every intent to file suit if this is not resolved within 15 days. You have repeatedly violated my consumer rights. There is no law stating I have to send you a police report signed by a notary. Again, I will not hesitate to file a suit if you continue to break Federal Law and violate my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for employment and was offered a job with XXXX XXXX XXXX XXXX, SC. I was excited to start this career as I have tons of experience that would have helped this company grow. They utilized Sterling Talent Solutions to conduct their background report which I was not at all concerned about. When the results came back, I was appalled to discover that I had a public record from 21 years ago ( I am XXXX now and would have been XXXX when that was reported ) that stated I had written a {$66.00} bad check. This was all handled over half of my life ago and was a huge misunderstanding. I was not given a chance to explain this and was immediately denied employment. 
This denial is discriminatory and against the law. The law states that consumer reporting agencies are not to report outdated negative information more than seven years old ( bankruptcy being 10 years which I have never had ) and I did NOT agree to anything being pulled past that date. This should turn into a HUGE legal issue for both Sterling AND XXXX XXXX as I feel like I was unjustly discriminated against.