23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

XXXX - XX/XX/XXXX XX/XX/XXXX - Dispute status changed XX/XX/XXXX - Account Locked, So no access. 
XX/XX/XXXX - Account Closed, Sent the remainder to my bank account XXXX - Tried appealing again, Stating that this was unauthorized activity on my account and that I reported my card Missing as soon as I found out how much was in my account, they then sent me this " Cardholder did not state that the Personal Identification Number PIN code was compromised and the transaction was secured with the PIN. '' If I tell them that This is an unauthorized transaction, and my card is missing/stolen, Im assuming My pin would be compromised as well, I never shared my Pin as per usual with any type of card, So Im stating again that It was compromised amd I never gave my pin to anyone at all. 

Case Number : # XXXX Total Amount Disputed - {$1400.00} ( If what the lady told me is correct ). 

Called customer service, Reported my card missing along with unauthorized transactions gave details, they transfered me over to the dispute team, gave them the same exact information, Didnt notice card missing till they sent me a notification aboout my account. They told me that they would give me a chargeback during the dispute to cover the losses, I never received that as well, would send in the statement for the month but cant access old account via it being closed. 

I cant view my statements because the account was closed, I emailed them and they really didnt help me that much, Told me to contact the merchant.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer Identities as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION
Product: Debt collection

I XXXX XXXX make a sincere request to three of my creditors, for relief of a one-time late payment during a month where I was hospitalized for XXXX from XXXX. I am a veteran of the United States XXXX, and I served in the XXXX during the invasion and ultimate success in securing freedom for XXXX. However, over the years I dealt with the XXXX problems, and in XX/XX/2019 I was hospitalized where I had no access to pay my bills on time. Several creditors already removed the 1 X 30- day late payment as a courtesy to a military veteran. I am now XXXX  % covered by military XXXX, and I also work full time running my own business. I believe that my business will go through high growth periods over the next five years, and my excellent credit history was always a priority in my life. Accordingly, I respectfully request the XX/XX/2019 late payment as I was not in any position to attend my affairs. I am now healthy but there was a short time in my life, dealing with XXXX was impossible. I thank you for any consideration you can show me. Thank you. XXXX XXXX
Product: Credit reporting or other personal consumer reports

There is an inquiry that I don't recognize on my credit report. The company below checked my credit without my knowledge on XX/XX/23. 
XXXX XXXX XXXXXXXX
Product: Mortgage

We just purchased a home, and promptly paid our first mortgage payment according to the loan payment statement I received in the mail shortly after we closed on our home. Our payment was due XX/XX/XXXX, and the mortgage company cashed my check on XX/XX/XXXX. I received a letter a few days later that our account number had changed, and did n't think anything of it, as the previous account number was written on our already cashed check. We received this month 's statement in the mail yesterday, showing an overdue payment for XX/XX/XXXX. When I called, the customer service representative indicated they had no way to know that I paid on the old account number, that when loans are sold and account numbers change, they do not tie the XXXX account numbers together, and they would have just cashed the check and it would sit in a pile of money until I called to complain and then they would research to find out which new account to apply the payment to. I am pretty sure that is not how a servicing company is supposed to handle loan payments, especially when they are sent in accordance with the instructions received and the original account number.
Product: Mortgage

Around XXXX/XXXX/XXXX I received an unsolicited call from XXXX XXXX, ( of Quicken Loans ) wanting to discuss refinancing my loan. He asked for permission to run my credit report I DID NOT GIVE HIM PERMISSION. I later found out that he ran it anyway. I filed a complaint with the company and wound up speaking to XXXX XXXX. He admitted that I did not give him permission, his defense was I did not tell to not do it. IT IS ALSO IMPORTANT TO KNOW THAT QUICKEN LOANS REFUSES TO GIVE ME A COPY OF THIS RECORDED CONVERSATION. I think it is obvious that the only reason they would n't provide a copy is that it would prove they lied. In an attempt to make this go away, I offered to not file a complaint if Quicken would refinance my loan with no cost to me. ( I had paid Quicken over {$5000.00} in closing cost on this loan in XXXX XXXX. On XXXX/XXXX/XXXX Quicken made an offer to refinance for {$7300.00} in closing costs which completely ignores my request. I started working with XXXX ( XXXX ) XXXX. She has demonstrated she has no desire to right this wrong. She told me to work with XXXX XXXX. He called and left a voice mail message, promising to call me the next day. HE DID NOT CALL AS PROMISED. When I complained to XXXX XXXX about the broken promise she had XXXX XXXX finally call me. After offering to PAY DOWN THE LOAN BEFORE REFINANCING ( remember they have the loan ) his offer was one with {$11000.00} OF CLOSING COST. 
I CAN BE REACHED AT XXXX. 
This is a serious complaint and I hope you will help me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, and XXXX XXXX were previously removed after a dispute but have been improperly reinserted. 

this violates FCRA 611 ( a ) ( 5 ) ( B ) ( no notification/ verification before reinsertion ) and FCRA 605B ( failure to block fraudulent accounts ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX. 2023 I contacted the credit bureaus XXXX, XXXX, and Transunion, I, disputed several inaccurate accounts, It has been over 30 days and I have received no response to my disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting Act XXXX XXXX : XXXX violated my rights. 


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

15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.
Product: Checking or savings account

I called PNC bank on XXXX XXXX at XXXX XXXX EST to close a dormant account that I just realized had been getting hit with $ XXXX in fees. The account was opened in XXXX by the XXXX, MD branch manager and I had been told that I would never have fees. I requested closure and the balance of {$12.00} to be sent to my military mailing address. They stated that my XXXX XXXX XXXX XXXX XXXX XXXX address is a foreign address and would not close the account because their system wouldn't let them update the address.
Product: Credit reporting or other personal consumer reports

Re : Dispute and Demand for Immediate Removal of Defamatory Information and Violation of Consumer Rights I am writing to dispute the fact that you are furnishing information contained in my consumer report, which has resulted in the denial of a high-paying job opportunity and access to capital. I have attached a copy of the letter notifying me of the adverse employment decision. 

Furthermore, I demand immediate removal of the defamatory information, as it violates my rights under the following laws : 1. Defamation ( State laws vary, but generally, defamation is defined as false statements that harm an individual 's reputation ) 2. 15 U.S.C. 1681 ( Fair Credit Reporting Act ), specifically : - 15 U.S.C. 1681b ( Permissible purpose ) you must have written signature by me and you dont!

- 15 U.S.C. 1681j ( Opt-out rights ) You are required under the truth in lending act to inform my rights that i can legally opt out and you knowingky withheld that information for your greater purpose. 
3. 15 U.S.C. 6802 ( b ) ( GLBA Privacy Rule ), Obligations with respect to disclosures of personal information You are sharing my information with third party companies such as XXXX, XXXX and XXXX these company is not a government entity so they do not have any business furnishing a report with my name and personal information without my say so either. 

I request that you take immediate action to : 1. Remove the defamatory information from my consumer report 2. Provide a corrected consumer report to all entities that have received the inaccurate report in the past two years 3. Confirm in writing that the above actions have been taken within 30 days of receipt of this letter Please note that failure to comply with this demand may result in legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX and XXXX. I have submitted dispute letters however they haven't changed anything and it has been more than 30 days
Product: Checking or savings account

I opened my account with chase bank on XX/XX/2020, I set up direct deposit and I transferred {$1900.00} from my old bank account to my chase account, fast forward to XX/XX/2020 and my account is locked and closed with no explanation. The money I transferred into the account is now being mailed to me and I have to wait up to 1 month before I receive it.
Product: Mortgage

I have had a very difficult time with Indy Mac. I have tried to submit for a loan modification. I was never able to communicate to the same person which always caused confusion. Indy Mac always seemed to lose my paper work, which I constantly had to re fax. My loan adjusted last year and was no help or information from Indy Mac.
Product: Credit reporting or other personal consumer reports

WELLS FARGO Account XXXX 15usc 6801 Protection of Non- Public Information Wells Fargo has violated my rights and failed to protect my information by sharing my personal information with 3rd parties without my consent. 

15usc 6802 Obligation with respect to disclose personal Information. There are 3 disclosure forms that I have not received. 
1. Financial Institution making me aware that they will disclose my information to a non-affiliated 3rd party 2. Institution giving me the opportunity before information is initially disclosed to direct that the information not be disclosed to a 3rd party 3. The financial institution giving me an explanation how to exercise the non-disclosure options 15usc 6802 Disclosure of Institution Practice Policy Wells Fargo did not clearly and conspicuously provide the disclosure forms.
Product: Credit reporting or other personal consumer reports

I submitted disputes for XXXX XXXXXXXX XXXX and XXXX XXXX  on XX/XX/XXXX and also in XXXX to XXXX. They said that all the information is accurate twice. XXXX and Equifax are reporting that neither one of these accounts are delinquent. In accordance with the fair credit reporting act XXXX  accounts # XXXX and # XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. STATES I have the right to privacy.

15 U.S.C 1681 section 602 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

My credit report contains accounts that are inaccurate and should not be associated with my name. This is not only unfair, but also deeply troubling, as I have never authorized or been involved with the activities linked to these accounts. If you fail to investigate and correct these errors, I will have no choice but to take legal action.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Dear CAINE WEINER COMPANY XXXX ; I am disputing the alleged debt reported by your company. This account is fraudulent, as I have no prior relationship or contract with either the original creditor or your company. 
This reporting violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). To verify the validity of this claim, I request the following documentation : XXXX. Proof of authorization to collect under 15 U.S.C. 1692e and 1692f. 
XXXX. Legal basis for attempting to collect, including applicable statutes. 
XXXX. Proof of authorization to operate in my state. 
XXXX. Evidence of the alleged debt, including any contract or agreement bearing my signature. 
XXXX. Full account history, including charges, fees, and payments. 
Under FDCPA 1692g ( b ), you must provide this validation within XXXX  days. Failure to do so will result in the account being considered invalid. Non-compliance with FDCPA 1692d, 1692e, and 1692f will be construed as unlawful conduct. 
Moreover, under the doctrine of estoppel by silence ( XXXX v. XXXX, Mo. XXXX XXXX. XXXX, XXXX ), as I have not acknowledged any debt, I will presume no debt exists if no evidence is provided within XXXX  days. 
I demand the immediate removal of this account from my credit report if you fail to provide the requested documents. I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the state Attorney General if necessary. 
Thank you for your prompt attention to this matter. I look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item ( s ) listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

Section 616 and Section 617 provide me with remedy which Im about to seek. You are willful noncomplying with the FCRA.

Since you claim youve verified the account ( s ) listed below I wanted to confirm my thoughts and contacted the companies directly. Not one of them provided me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please remove the following account, or inaccurate information, from my file immediately & send me the results to the address listed below XXXX XXXX  XXXX Date Opened : XX/XX/2018 Balance : {$14000.00}.
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. 

XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

To whom it may concern : On XX/XX/year> throughout XX/XX/year> I made several phone calls and emails to Hunterwarfield support Service department, demanding to know who told this lie on me, identify this claim with a verification letter of XXXX demanded a dispute and agree for them to contact me.They sent me several different attachments at the time of the dates above, it was dummy pictures of XXXX, pictures of the company.I saved them.I continued to call them to file a disputed or fill out a dispute form they said : XXXX, XXXX, Candy the last person I spoke to, we will call you back in 48 hours.They never called me back.I continued to call no response.I wrote a letter of intent about the rules and regulation regarding this false Claim, on XX/XX/year> and send by fax and email throught out XXXX.no response. up to now.My complaint is that they have no right to collect funds from me until the federal rule regarding debt collection is in play and, I have a right to submit a dispute about this hate venture by somebody telling lies on me that work for my lanlord.I am on a federal owned program also, This debt is an actual crime to take money from a tenant instead of going to federal court while I was living there.Thank you I have more.XXXX  XXXX lease agreement holder. 
,
Product: Debt collection

On  XXXX / XXXX / XXXX  I was treated at,  XXXX   XXXX   XXXX , an ER at a hospital in  XXXX   XXXX . The hospital remitted an invoice to me in the amount of {$720.00} claiming that I had no underlying health insurance coverage. I made repeated calls to the billing department explaining to them that I did in fact have health coverage and gave them my insurance  carrier  information,  XXXX  of  XXXX , PA, as well as my policy number.     I continued to receive an invoice indicating an outstanding balance. After repeated cal ls ( 3-5 times ), I arra nged a conference call with the billing department of the Hospital and the claims department with  XXXX . The apparent disconnect was an improper " billing code issue ''. At the termination of the conference call, I was assured that the claim was now properly addressed and that I could consider the matter closed. At this point I shredded my file on the matter-therefor I no longer possess specific information as to the origins of the claim, hospital name. etc.     Today,  XXXX / XXXX / XXXX , I learned via my  XXXX  credit report that this invoice was never paid ( or if it has been paid, it was referred to collections nonetheless  ) a nd I now have a delinquency on my credit report. Subsequent to my conference call with the hospital and my insurance carrier, which would have occurred on or around  XXXX  of  XXXX , I NEVER received any additional correspondence from the hospital or their billing department indicating that this invoice was never satisfied.     Consequently, I am contesting the validity of this debt ; I would like this item immediately removed from credit report, and would like to pursue any all remedies available to me under the laws of the state of Illinois as well as any remedies available to me under the relevant federal consumer financial protections.     I can be reached at  XXXX  or at  XXXX  XXXX  XXXX .     Thanks you fro your assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Product: Credit reporting or other personal consumer reports

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights. 

XXXX XXXXXXXX XXXX 
XXXX XXXX {$19000.00} UNIVERSAL PAYMENT CO XXXX XXXX {$340.00}