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

I am writing to express my extreme frustration and disappointment regarding the recent findings of my credit report investigation. Upon conducting a thorough review, I discovered a myriad of unverifiable, invalidated, inaccurate, and questionable items that have had a profoundly negative impact on my financial well-being and mental health. 

It is imperative that I bring to your attention the egregious violations of the Fair Credit Reporting Act, which mandates that all information on my credit report must be reported with 100 % accuracy. Regrettably, your agency has failed to uphold this fundamental requirement, as evidenced by the discrepancies identified in my report. 

Furthermore, it is crucial to note the specific violations outlined under 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), which clearly indicate that these accounts are in direct contravention of the statutory obligation to report accurate information. 

I demand immediate action to rectify these inaccuracies and restore the integrity of my credit report. Enclosed, please find copies of all previous correspondence sent to your agency regarding this matter for your review. 

Failure to address these issues promptly will result in further action being taken to ensure compliance with the law and the protection of my rights as a consumer. 

I expect a swift and satisfactory resolution to this matter.
Product: Credit card

i was in the hospital with a XXXX XXXX i was given several tests and i am now taking many medications i am not doing well i can not handle the stress from this bill
Product: Money transfers

On XX/XX/2017 i noticed an unauthorized payment on my account with my card and i filed a claim. ( XXXX ) On XX/XX/2017 i received an email from PayPal in which there was written that they completed the investigation and that i would be completely refunded. The refund would be sent in XXXX step : 1 adding the funds to my balance XXXX moving them to my credit card Today on XX/XX/2017 that money are still on my balance, PayPal forgot to move them to my credit card. 
PayPal User Agreement tell that every refund must be accredited to the same payment method of the original transaction. 
After 1 month i still have n't the money on my card.
Product: Credit card or prepaid card

The complaint is against American Express, namely an American Express " Blue Cash '' account, a joint account between my wife and I. We had set up an automatic payment of $ XXXX/mo to the account. On XX/XX/2019, this payment was made to American Express, then on XX/XX/2019, TWO MORE {$200.00} withdrawals were made to our checking account, for a total of an additional {$400.00}. Upon noticing this, we immediately contacted the company customer service, and on XX/XX/2019, they refunded ONE of the additional {$200.00} debits. We asked when we could expect the 2nd refund and were told it would have to come by check and an inquiry would be started. Since then we have called American Express customer service on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and most recently on XX/XX/XXXX.

Each time the customer service rep was very sorry this happened, and would add ANOTHER inquiry, which when we checked the website, were closed. Also each rep seemed to have a different answer on whether we would get a check or they would deposit the remaining {$200.00} back in our account. Each rep was asked WHY the initial {$200.00} that was taken on XX/XX/2019 could be refunded to us basically TWO DAYS LATER on XX/XX/2019, via deposit to our checking account and WHY are we still looking for the second {$200.00} OVER TWO MONTHS LATER? NONE had any kind of an answer to this. The inquirys that have been placed for this problem up until the last one ( XX/XX/XXXX ) were closed with no apparent action. Also all of them, up to the last two had " Ticket/Merchandise not recieved '', which, to us, meant nothing. The last two inquiries, XX/XX/XXXX and XX/XX/XXXX, at LEAST showed " Credit Balance Refund '' BUT the XX/XX/XXXX one was closed without any action apparent to us.

BOTTOM LINE : We have been led on a merry chase with American Express and since we are retired and living on a fixed income, for this company to take our regular payment then take TWO ADDITIONAL " payments '', is unconcionable. Needless to say we no longer allow them to take payments monthly from our account.

Thank you, XXXX  and XXXX   XXXX  XXXX NOTE : Account Number/Inquiry Numbers available on request..
Product: Mortgage

PHH Mortgage purchased our mortgage from the original provider. I did not have XXXX XXXX with the original provider. I was notified ( this year and after 3 years with PHH ) that I was required to have XXXX XXXX  and that they had made a mistake by not checking to verify that I did. To satisfy the requirement, I purchased XXXX XXXX this year and gave them the information. There were several problems with their acknowledgement process, but my insurance was finally approved. I just received a letter from PHH informing me that they have purchased a windstorm policy for my property for the period XX/XX/XXXX to XX/XX/XXXX. A sort of " retroactive '' policy in the amount of {$7500.00}. This seems punitive. I've had all the inspections done for the appropriate insurance. And they admitted it was their mistake. Is there anything I can do?
Product: Credit reporting, credit repair services, or other personal consumer reports

Had the company to run my credit report I gave them authorization to do so in XX/XX/XXXX and also XX/XX/XXXX. Looking on my credit and its showing the hard inquiries and they ran it in XXXX and XXXX of XXXX when I only was aware of the months I stated in the beginning.
Product: Checking or savings account

Checking and Savings accounts with XXXX XXXX  were hacked and the hacker attempted to send Zelle payments to themselves on XXXX different occasions. These accounts were hacked XXXX  times in XXXX  days ... ... From research I have learned this is a problem with many banks with a relationship with Zelle. Why is more not being done to help the consumer with this issue?
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Reporting agency did not follow law and completed a thorough investigation by validating and verifying the accuracy of the information being supplied by debt collector also bound by law to report the accuracy of the balances and has refused to do so and to correct the error despited multiple attempts to plead with them to cure the harm that has been and continues to be done to my credit.
Product: Debt collection

Marcadis Singer PA is in violation of my federally protected consumer rights according to 15 usc 1692e ( 3 ) a debt collector, in collecting a debt, ( Which Marcadis Singer PA is trying to collect an alleged debt ) may not use any false, deceptive or misleading represent or imply that he or she is an attorney or that communication is from an attorney. 

Further, as per judgement made in the case of XXXX XXXX XXXX XXXX XXXX XXXX, the provisions of the Fair Debt Collection Practices Act applies to attorneys who " regularly '' engage in consumer- debt collection activity, even when that activity consists of litigation. Thereof, as per judgement mentioned herein, your firm is liable as a debt collector.
Product: Checking or savings account

On XX/XX/2018 @ XXXX XXXX I ( XXXX XXXX XXXX ) entered PNC Bank in XXXX, AL to deposit into an account in the name of XXXX XXXX in the amount of {$15000.00} cash to act # XXXX Routing # XXXX This was a favor for my fianc at the time that was in the military and needed money sent. My fianc and I are no longer together but that shouldn't matter. If this account was truely a scam account then where is my money. This entire nightmare has been unbelievable. 
Later that day I received a phone call from the XXXX, AL branch informing me the account I deposited the money into was being reported to me as a " SCAM '' account and the Assistant Branch Manager at XXXX informed me they were letting me know that they had caught the money before it was lost to the scammers. As soon as they had my {$15000.00} back for me, they would let me know. 
Since then, there have been so many stories told to me by PNC corporate, different branches, my phone number was even blocked and the worst of all came from a very rude branch Manager from Ohio where the money was actually taken and the account was reported closed. This very rude Manager actually told me the {$15000.00} was now her money to keep since she is the branch manager and I didn't have an account there. I had verified everything prior to depositing the money so I'm not sure what this lady meant. No one 's money should be hers!! 
I have tried everything to get the money back. There have been so many lies told to me by this company its unbelievable that they are still allowed to be in business. THe worst thing of all is the Branch Manager and Assistant Branch Manager have been going around the small town of XXXX telling people I am part of a " SCAM RING '' ... Really .... there's no such thing ... I XXXX XXXX for the military for over 30 years so how does some very low life individuals get to ruin my name!!!! I want them to be behind bars. I am XXXX with a XXXX XXXX injury XXXX and have had enough of the disgrace!!! I want my money back and stop trashing me.. They even have another bank around here labeled me as a FRAUD!!! REALY!! 
Please help in resolving this matter. Ive tried for quite a while.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX Balance : {$1400.00}
Product: Debt collection

There are numerous fraud accounts in my profile that i want to remove in compliance w/ FCRA. kindly remove the following : XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  Companies inquired on my Credit Report for financing on XX/XX/XXXX and XX/XX/XXXX without Permission some by the same company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and found the following item ( s ) to be in error : 1. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. Identity Theft XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
6. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
8. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
9. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
10. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
11. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
12. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
13. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
14. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
15. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
16. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
17. Identity Theft XXXX XXXX  Account XXXX : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the placement of a Commercial Fraud Alert on my credit report & Removal concerning XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX. This request stems from fraudulent activity, contract irregularities, and continued violations of federal consumer protection laws associated with my account. Below, I outline the key issues and provide supporting evidence for your investigation.

Details of the Issue 1. Payments Never Late : All payments on this account were made on time, and I never defaulted on my obligations. 
XXXX. Failure to Validate Debt : On XX/XX/year>, I submitted a formal request under the Fair Debt Collection Practices Act ( FDCPA ) for a Debt Validation and issued a Cease and Desist letter. During a conversation with an AHFC agent named XXXX, I was informed that payments would be ceased until the debt could be validated. Despite this, XXXX later sent a letter reflecting a debt amount of {$0.00} and claimed they are not debt collectors. Nevertheless, they continue to send billing statements, raising serious concerns about the legitimacy of the debt and the identity of the actual creditor. 
XXXX. Violation of Cease and Desist Request : XXXX knowingly disregarded my Cease and Desist request by continuing to send bills and correspondence despite acknowledging that the debt amount was {$0.00}.

4. Erroneous Contracts and Misleading Representations : The contracts associated with this transaction contain significant errors, including references to a third-party entity that was not part of the original contract. In their response to my CFPB complaint on XX/XX/year>, XXXX stated : XXXX dealerships are independently owned and operated, and XXXX has an arms-length relationship with them. The customer should contact XXXX to express their complaint about the dealership. XXXX will stop sending the customer written or oral communications, other than those that are legally required. The credit application, the contract, and payment history were sent to the customer. 
This admission further underscores the irregularities and lack of clarity regarding the true parties to this agreement.

5. Continued Billing and Credit Reporting : Despite AHFCs response and acknowledgment of their arms-length relationship with the dealership, they continue to send billing statements and mark my credit report for late payments, which is in violation of federal consumer protection laws.

6. Refund Due for Payments Made : Given AHFCs failure to validate the debt and their own letter reflecting a {$0.00} balance, I am entitled to a refund for all payments made on this disputed debt. 

Supporting Documentation AHFCs response to my CFPB complaint, dated XX/XX/year>, acknowledging their arms-length relationship with the dealership and including the credit application, contract, and payment history. 
A copy of AHFCs letter reflecting a {$0.00} debt amount. 
Proof of payments made to AHFC despite their failure to validate the debt. 
Evidence of XXXX continuing to send billing statements and marking my credit report for late payments despite the lack of validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

This inaccuracy is stopping me for obtaining a good great score to purchase a reliable car for my kids and I. This inaccuracy is stopping me from starting a business in order to become financial free and be there for my kids and attend practices, games, and rehearsals. This inaccuracy is keeping me tied down and having to stay at a 9 to 5 catching a city bus because I am not able to get approve for anything to help my family and I get out the hole we are in.
Product: Mortgage

This is the ongoing issue since XXXX  when i submitted complaint about CIT Bank NA about not being able to modify the loans. CFPB DID NOT HELP TO RESOLVE THE ISSUE NOW IM IN FORCLOSURE. YOUR TRUTH IN LENDING ACT IS ONLY ON THE PAPER AND NO ONE ENFORCESES IT. Now I know the real reason why it was never done and why I'm in the foreclosure. 
IndyMac Bank FSB did sale and lease back with the help of One West Bank N.A. ILLIGALLY, by committing fraud on XX/XX/XXXX, 5 days prior the day XX/XX/XXXX. One West Bank helped IndyMac Bank FSB to get HELOC out under my name, I never cashed it out. I asked the bank who and how it happed they said it's been too long ago, and they have no record however the money {$130000.00} was taken out as cash then loaned to me 5 days later, I did not own the house I could not have taken out HELOC, I was purchasing the property at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. The bank is demanding money on the default, and it's been 5 months since I discovered fraud. XXXX XXXX XXXX and XXXX XXXX XXXX AWARE OF IT BUT THEY DO NOTHING ABOUT THE ISSUE AND TRUSTEE KNOWS THAT I WAS GIVEN A FRAUD LEASE BACK LAND OIL, MINERAL LEASE ON A RESIDENTIAL PROPERTY. NO DISCLOSURES WERE GIVEN, i DID NIOT SIGN A PROMISSORY NOTE, NO HUD 1 DISCLOSURE, I WAS GIVEN TITTLE INSURANCE WITH NO TITTLE BY XXXX XXXX XXXX, I ASKED ALL OF THEM THE LENDER THE SERVISERS THE TRUSTEE ABOUT THE ADRESS OF THE TITLE INSURANCE IT'S BEEN 5 MONTH NO ANSWER!!!!!
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Cease and Desist Notice Dear [ Portfolio Recovery association } I am writing to formally request that you cease all communication with me regarding the alleged debt referenced in your previous correspondence. This letter serves as a notice under the Fair Debt Collection Practices Act ( FDCPA ) and any applicable state laws. I do not acknowledge the validity of the debt you claim I owe, and I request that you provide me with written verification of this debt, including the original creditor 's name and the amount owed. Until you provide this information, I ask that you refrain from contacting me further. Please be advised that any further attempts to collect this debt, including phone calls, letters, or other forms of communication, will be considered harassment and may result in legal action against your agency. Thank you for your attention to this matter. I expect your compliance with this request. Sincerely, [ ( XXXX XXXX ) ]
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, Georgia XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear, Equifax Re : This is not a regular dispute. Take action immediately you are in violation. 

I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.

As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible. 

1. XXXX XXXX XXXX  XXXX XXXX  Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 




Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Georgia XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX of XXXX Consumer Financial Protection Bureau 1700 G. Street NW Washington, D.C. 2055 CC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau CC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. THE LATE ACCOUNTS LISTED BELOW NEEDS TO BE CORRECTED OR UPDATED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Balance Owed : {$2600.00} Date Opened : XX/XX/XXXX XXXX/XXXX  XXXX Balance Owed : {$1700.00} Date Opened : XX/XX/XXXX