23daVinci/CFPB_Complaints huggingface dataset:
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. 


1XXXX XXXX XXXX XXXX XXXX XXXX 2XXXX XXXX XXXX bank # XXXX XXXX. XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX # XXXX has violated my rights. 

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

15 U.S.C 1681 section 604A 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 reporting agency
Product: Credit reporting, credit repair services, 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 XXXXXXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$210.00} XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a student loan with the government that I defaulted upon. It was taken over by US Dept of EducationXXXXGLELSI, but it has been transferred many times. On XXXX, it was closed due to transfer on XX/XX/2016. The transfer date for XXXX  is unknown. According to XXXX, it is '120 days past due ' and XXXX list it as '180 days delinquent ' which are both false. XXXX XXXX  XXXX in AZ are the current holders of this debt and I have been paying them regularly so this information on my credit report is wrong. I have tried to correct it with the various agencies but they kept giving me the runaround, meaning being told that they can not help me or it is under their control anymore.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information that appears on my Transunion report from XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

XXXX XXXX Has also has violated my rights. 

I've also looked at my credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, 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 shall ( i ) 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.

and according to 15 USC 1681s-2 they are supposed to 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. 

Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I talked with representatives from Experian, XXXX, and XXXX on XX/XX/2022, regarding the possibility that my consumer file might contain fake accounts. I requested that the accounts be deactivated because I didn't know anything about them or how they got there. All three companies gave me the go-ahead to complete the FTC report and submit the required paperwork. On XX/XX/2022, I submitted my letters by certified mail. The accounts were somehow " confirmed, '' despite the fact that they are not mine and had been on my report for more than 30 days after I sent my letters. Because it prevents my family and I from making purchases, this problem frustrates and enrages me. On XX/XX/2022, I got in touch with the three companies once more and asked how they could prove that these accounts belonged to me. They merely stated that they were unable to assist further and advised me to talk with the creditors directly. It didn't surprise me when I attempted to get in touch with each creditor who had been falsely asserting on the consumer file that they were not aware of me or the accounts. I was forced to use the CFPB website, just as some of my friends had advised me to given the situation. I sincerely hope that information is helpful since my family and I are attempting to submit an application for a house.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to XXXX XXXX XXXX and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under XXXX XXXX. XXXX 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 XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. PORTFOLIO XXXX As required by XXXX U.S.C XXXX, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i XXXX request an extension of the block. During the block, you XXXX not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EQUIFAX 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: Debt collection

I received a call from a debt collector by the name of XXXX XXXX, from The company Tek Collect on XX/XX/2018 @ XXXX CST. I requested for the debt collector to cease all future phone calls & to communicate with me strictly via postal mail. After i disconnected the call, the same debt collector XXXX XXXX called me back and questioned why I hung up on h and continued to harass me about the debt and called me a debtor in attempt to belittle me. The hanging up and calling back happened 2-3 more times before I decided to block the number to cease the harassing calls.
Product: Credit reporting or other personal consumer reports

Dear CFPB, This letter is in regards to the errors in my credit ATTENTION : XXXX XXXX EXPERIAN I received notice from my broker while applying for a home loan that my consumer report is showing that I am an Authorized signer for a XXXXXXXX XXXX XXXXXXXX XXXX that has a debt amount for {$3.00}, XXXX. I have no recollection of being a signer for this Bank XXXX nor do I have any accounts with this company. In my attempt to rectify this issue, I found the phone number of the bank and asked to speak with a representative. I was told that I was not listed in their system as a signer nor do I have an account with them.
Product: Credit card or prepaid card

AMEX abruptly terminated my AMEX Platinum credit card and Hilton Honor card WITHOUT any documentation or recording - NOTHING. 

Hostile action by AMEX forced a LOSS of over XXXX reared points worth over {$650.00} In addition there was a credit balance on the account of {$0.00} and the ruthless AMEX billing department failed to send me full compensation.

ZERO NOTHING.

CEO XXXX XXXX was notified and IGNORED request for arbitration and ignored full payment after account forced closure. 

DISHONESTY is allow in the banking industry to terminate accounstwith ZERO evidence! 

Four times AMEX has IGNOred issues on reared points LOST due to AMEX hostile action. 
1. AMEX XXXX reward points 2. Hilton Honors XXXX reward points 3. {$0.00} credit balance NOT paid out by amex.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) Due to inadequate Customer service and unfair practices, which violate Consumer Financial Protection Act ( CFPA ). Specifically, Cash App, failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair & deceptive, as they did not comply with error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

I am a customer at PNC bank and have been dealing with a fraud transaction in my account and PNC is not helping me solve the issue as needed. It was a total of {$4900.00} on XX/XX/2022, and the company of the fraudulent transaction was XXXX XXXX which I never heard of until I did some research online and saw that it is a cryptocurrency website. I have been in contact with the cryptocurrency fraud support, and they told me that it was definitely a fraudulent transaction, but PNC Bank is still not cooperating, and they keep denying my dispute knowing I have plenty of evidence that the transaction was not mine and is definitely fraudulent. I have evidence with screenshots and emails with the XXXX company, but PNC is not taking any of that into consideration. PNC keeps telling me they don't have enough evidence to reimburse the funds back and they supposedly have proof that the transaction was made by me, but they never showed me any proof. I made a new account due to my account being taken over and I also reported the transaction the following day, but the fraud department didn't think much of it and just thought that a dispute would solve the issue, but it didn't. I have been dealing with the account takeover and fraud department at PNC bank, but they have been no help at all and have not given me any details or updates on my dispute for 3-4 months. I even filed a police report to see what else they can do for my case. I have filed a complaint with PNC bank, but it seems like they don't take it as seriously, so I would like to do as much as possible to solve this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account : XXXX. XXXX XXXX, XXXX XXXX XXXX account # XXXX, XXXX Card Services account # XXXXXXXX XXXX XXXX XXXXccount # XXXX, XXXX XXXX Card XXXX account 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 also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XX/XX/2024. I saw some hard inquiries that did not have permissible purpose. i also attached identity theft report XXXX XXXX XXXX XXXX XXXX This inquiry has no permissible purpose to be on my report. Please delete this inquiry to violation of 15 USC 1681b 2. XXXX XXXX XXXX XX/XX/2024 This inquiry has no permissible purpose to be on my report. Please delete this inquiry to violation of 15 USC 1681b
Product: Mortgage

IWOULD LIKE TO RESCIND THE WRONGFUL FORECLOSURE BY PHH MORTGAGEXXXX XXXX I HAD A NATURAL DISASTER ON XX/XX/XXXX AND XX/XX/XXXX A TREE FELL ON MY HOUSE IT WAS DECLARED BY FEMA I WAS IN THE PROCESS OF XXXX REVIEW AND I SENT THEM A WORKOUT THEY DENIED TRIAL XXXX BECAUSE 3RD XXXX WAS RETURNED THEN THE SAID SALE THE HOME SENT THEM THE CONTRACT THEN A TREE FELL ON THE HOUSE I CALLED XX/XX/XXXX AND XXXX THEY INSURED ME THEIR WAS NO SALE DATE AN INVESTOR CALLED AND SAID HOUSE WAS ON AUCTION.COM THEY SOLD HOUSE TO 3RD PARTY TREE IS STILL ON HOUSE APPLIED FOR FEMA DISASTER LOAN AND THE NEW OWNER HAS BEEN BREAKING IN HOUSE I CALLED POLICE FILED A REPORT I AM COMPLETLY DISTRAUGH AND DEVESTATED
Product: Payday loan, title loan, or personal loan

Charge more than fees legally allowed in Colorado.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint on my own behalf to rectify an issue related to inaccurate personal information on my credit record. The provided information is not associated with me, and I urgently request the removal of this fraudulent data.
Product: Debt collection

Through several rounds of correspondence ( beginning XX/XX/XXXX and ending XX/XX/XXXX ) with Portfolio Recovery Associates , LLC ( a debt collector ), I have insisted on the verification of a debt they are trying to collect. Despite the Fair Debt Collection Practices Act ( specifically 15 U.S.C. 1692g ) giving me the rights to 1 ) the names *and addresses* of original/current creditors and 2 ) *a copy of the verification or judgment against me by the original creditor*, Portfolio Recovery Associates , LLC has failed to properly validate this debt. As such, Portfolio Recovery Associates , LLC is breaking the law. 

In addition, Portfolio Recovery Associates , LLC lists the date they purchased this account as XX/XX/XXXX. In my last correspondence, on XX/XX/XXXX, I requested a full payment history since they have purchased the account ( which, on each of their identical form letters, they invite me to request - but did not provide in their last correspondence on XX/XX/XXXX in response to my request ). According to the statute of limitations on debt collection in Nevada ( where I live ), the maximum time a debt collector has to collect a debt is XXXX years, depending on the type of debt ( NRS 11.190 ). Even if the debt were mine ( which I am not admitting to, as it has not been properly validated ), Portfolio Recovery Associates , LLC is deliberately refusing to allow me to prove that the statute of limitation on debt collection has been passed on this account - and that by attempting to collect it, they are breaking the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is formal notice of litigation efforts commenced against Equifax Information Services, LLC AND Equifax Credit Information Services , Inc. Equifax has allowed unauthorized access to my credit file. Equifax has unlawfully trafficked nonpublic personal information to XXXX XXXX XXXX XXXX XXXX which such information was used to harass and embarrass me in front of the entire neighborhood. Equifax has allowed unauthorized inquiries by XXXX, XXXX  XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. Equifax is participating in the defamation of my character by allowing unauthorized financial institutions to access and furnish defamatory and libelous information. According to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), consumer reports shall not contain information solely as to transactions or experiences between the consumer and the person making the report. Equifax is allowing false or unlawful reporting to monetarily gain at the expense of tarnishing my reputation and deprive me of housing, life and liberty. Equifax is unlawfully furnishing Collections that debt collectors have requested to be removed and has refused to update or provided an updated credit report in almost a year. Equifax is also unlawfully furnishing XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX.
Product: Mortgage

It is very sad and unfortunate that if you come into a hardship that you have to deal with a company who clearly doesnt care about it. I was laid off and unemployed for almost 5 months. We submitted a request for modification in order to keep our home and lower our mortgage payments due to the unfortunate situation however it has been a nightmare dealing with this company. I received a notification today stating my modification was denied. Why? because we didn't have enough income when we first started the modification, I was on unemployment which is clearly not near enough to raise a family but within the process I gained employment that was a huge pay cut. I submitted paystubs every week in regards to the new job but no one bothered to even check our documentation to see that this information has changed. If the documentation is not going to be checked then why submit it. Now our file has to be resubmitted and possibly take another 30 days, not acceptable.
Product: Mortgage

The Mortgage Company financed the mortgage loan and XXXX ( rehabilitation ) loan together on closing. 
The mortgage company did not disburse the loan due to issues that emerged after the closing ( ex. unable to have the property permitted for 100 % residential use ). Of note, the company ought to have verified the permit from the contractor before closing the loan ) ; however, it did not. 
Due to mortgage company 's lack of cooperation to resolve the issue initially, I filled a complaint in 2022. 
The mortgage company responded through CFPB that it can apply the unused loan to my principal ( see attached document ). 
It has been more than 2 years since I made a request asking the mortgage company to apply the unused loan to my principal but I keep getting 'run arounds, ' and on many occasions, no correspondence from the mortgage. 
PLEASE HELP!
Product: Debt collection

Upon checking my yearly credit report, I noticed XXXX collection accounts that were being reported by Commonwealth Financial Systems. I sent a letter to Commonwealth Financial advising them I have no knowledge of these alleged debts and I would like to be able to validate them. I received a letter back stating they were n't able to locate an account based on the information I provided in my letter. I was able to locate account numbers for these debts on my credit report so I sent them another letter listing those account numbers, in response. 10 days after I sent my second letter ( including account numbers ) I received a letter from this collection agency attempting to collect payment on these alleged debts. The letter I received states that these accounts have been placed with this agency and I would need to notify their office within 30 days if I would like to dispute the validity of these debts otherwise they will assume these debts are valid. Before I saw these collections listed on my credit report I had never heard of Commonwealth Financial Systems and I had never had any communications with them. At this point, it has been well over 30 days since I sent my first letter requesting validation on these alleged debts and to this day I have not received anything to validate them ; however, they have started sending me letters attempting to collect on these debts and that only started after I asked for validation. I have no information on these debts other than what is reporting on my credit report and even though I have n't been allowed to verify these debts are valid they are still reporting and damaging my reputation and credit worthiness.
Product: Checking or savings account

I hope this letter finds you well. I am writing to express my deep concern and frustration regarding unauthorized charges made on my WELLS FARGO BANK debit card. Despite my efforts to resolve this issue with your bank, I have received no satisfactory resolution, and I am now facing significant financial & health consequences that could have a devastating impact on my business. On [ XX/XX/2023 ], I discovered several transactions on my WELLS FARGO BANK statement that are not authorized by me. The charges were made without my consent and are in clear violation of my rights as an account holder. Immediately upon noticing these unauthorized charges, I contacted your customer service department to report the issue and request assistance in rectifying the situation. During my conversations with your representatives, I provided detailed information regarding the unauthorized charges and explained the urgency of the matter. However, to my dismay, I received little empathy or concern for the financial distress this incident has caused me. Despite the overwhelming evidence of fraudulent activity, WELLS FARGO BANK has failed to take appropriate action to investigate and reverse these charges promptly. Regrettably, due to the funds drained from my account without authorization, I am now unable to fulfill my health obligations, specifically filling my XXXX  medication prescription. My medicine serves as a vital component of my life. The inability to meet my rental obligations will undoubtedly result in the loss of my office space, jeopardizing my client relationships, and tarnishing the reputation I have worked so hard to build. As a dedicated customer who has trusted WELLS FARGO BANK with my financial needs for several years, I expected a higher level of service and urgency in addressing this matter. I kindly request that you take immediate action to investigate the unauthorized charges, refund the full amount to my account, and reinstate my confidence in the security of my funds. Furthermore, I implore you to provide me with a detailed explanation of the steps being taken to prevent similar incidents from occurring in the future. As a consumer it is essential for me to feel secure in my banking relationship and confident that my financial interests are protected. I anticipate your prompt attention to this matter and a resolution that addresses the financial damages I have incurred and health damages I could potentially face. Please understand that the consequences of this unauthorized activity extend far beyond a simple inconvenience and have the potential to irreparably harm my business and professional reputation. Thank you for your immediate attention to this urgent matter. I look forward to your swift response and a satisfactory resolution