23daVinci/CFPB_Complaints huggingface dataset:
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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report 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: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX  XXXX Balance : {$340.00} XXXX XXXX Balance : {$320.00} XXXX XXXX Balance : {$320.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple letters have been mailed off my request to have certain inaccurate accounts removed from my credit report and it has been well over 30 days and I have received no response from the credit bureaus.
Product: Debt collection

Carmax did not honor this negotiable instrument. Payment was tendered for the complete amount in Accord and Satisfaction upon redeeming the instrument ( see attached ). Carmax accepted said payment in full and are still saying that I owe them. Carmax is in violation of 18 USC 1951 which states even if one makes a payment willingly, which I did because I felt forced and obligated to do so, against my will, payment was in fact made and they accepted that payment.
Product: Checking or savings account

I took a personal check to my complex to pay rent, and I went to my bank later that day to deposit money into my bank & it has the available balance on the account & my complex did n't cash the check till  XXXX  that night. The night of  XXXX   XXXX . My check bounced, and I never got notified of this problem until my complex had told me it had bounced, now I have to pay an extra {$200.00} of late fee 's now I ca n't pay my other bills. I tried talking to my complex & they said they ca n't wave the fee to try and get the bank to pay for the late fee 's since it was on them. I tried calling them & they said there is nothing they could possibly do. All they could say was that they were sorry, I 'm just really frustrated because now I 'm  XXXX  $ short on my other bills. This is regarding chase bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Not my 2 items reporting
Product: Debt collection

There is no legal contract or agreement between My all caps Name and This Company, I requested a Validation of this debt but they failed to provide, all I received was a bank statement for the 2nd time. 

Violation of the Fair Debt Collection Practices Act ( including but not limited to section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to section 623-b ) Last attempt to solve this matter 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.
Product: Money transfer, virtual currency, or money service

On XX/XX/ a person hacked " XXXX XXXX '' XXXX profile to use as a Scam/ Phising. I was lead to believe that this was the persons page but come to realize that it was a SCAMMER. I need a refund on 3 separate transactions of {$50.00} that totaled to {$150.00}. I was lead to believe i was getting assistance in Bitcoin purchasing and services/goods rendered back by a XXXX Friend of Mine from HighSchool & more, But i was, SCAMMED by this name ... '' ( $ XXXX  ) is the Scammer 's, CashTag on CashApp ( SqaureInc. ) Real Name : XXXX XXXX. ( $ XXXX  ) I need my transactions refunded, i tried asking for a refund request but the Scam person blocked my actions on CashApp/SquareInc. 

I need to speak with a CashApp/Square Inc. Representative or Corporate on these transactions. I have Web Receipts for all transactions for proof & evidence. 
PLEASE CONTACT ME ASAP XXXX ( MR.XXXX )
Product: Debt collection

XXXX XXXX, have a fixed income, and receive XXXX  payments due to being XXXX. XXXX ( Meta ) took {$2600.00} from my banking account and over {$4000.00} from my credit card. Im so distraught over this and became homeless because this money was taken out of my account. I never approved or consented to any product or service for this amount. I receive XXXX, XXXX a month and it makes no sense that I would do anything for the amounts that was taken from my account. 


Transactions that were taken out of my account that wasn't authorized by me. A total that amount to {$2600.00} meta ( XXXX ) Heres some of the transactions that was taken from my account. 

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

On XXXX, I submitted an investigation to all three credit reporting agencies ( XXXX, XXXX, and XXXX  ) for the National Credit Adjusters. On XX/XX/XXXX, National Credit Adjusters sent a letter stating that they are not able to comply with FCRA and CFPB laws that were in place for validating the debt and cease collection activities. On XXXX, the bureaus verified that the debt was mine. On XX/XX/XXXX, I resubmitted the investigation request and a method of validation. On XXXX, XXXX  removed the account. To this day, XXXX and XXXX  both have continued to state that the debt has been verified. The debt has not been validated and XXXX advised filing a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and Transunion XXXX XXXX  sent this letter with all the other letters that Ive submitted on this portal. Still XXXX XXXX   afforded NO CONTRACTS BEARING MY SIGNATURE obligating me to pay the debts they are reporting. Still has not placed notice of DISPUTE on my XXXX and Transunion and XXXX  file within 30 days violations of the FCRA. The Attached Documents are LEAVING THE DECISION UP TO YOUR BUSINESS to do the right thing and remove this inaccurate and unverified information from my CR. Thank you for your considering my request.
Product: Mortgage

PNC MORTGAGE letter dated XX/XX/XXXX stated : Between XX/XX/XXXX and XX/XX/XXXX, In fact, the Borrower did remove personal items on several occasions. 
This is not the Truth with intention, cause Harm to the HomeOwner XXXX XXXX stating that the HomeOwner XXXX XXXX remove personal items, until now the HomeOwner XXXX XXXX is on the street without anything/nothing, struggling for life, suffering, agony in a death situations. The PNC Mortgage/XXXX XXXX  forclosing fiercely, lock-out the HomeOwner XXXX XXXX, put in jail, accussing demolishing the building/house, the mail box was disconnected, ruined the personal good name to the student that XXXX XXXX did not pay the house payment, ruined the business name to the school XXXX therefore the XXXX XXXX could not get the student anymore : business termination, credit score ruined can not get an apartment : living on the street, credit score ruined can not get a job : arrested record, forclosure record, multiple bankruptcy record, the attorney accusing bad faith, Defraud the XXXX XXXX, all of the above is attacking the HomeOwner who already built the house for retirement, get kick out/evicted on the street, the single old ill : XXXX XXXX the HomeOnwer XXXX XXXX XXXX situation on the street, the Attorney XXXX keep asking money for TILA Rescission to a Homeless XXXX XXXX.
Product: Credit reporting or other personal consumer reports

" List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 XXXXXXXX I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate XXXX 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 general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate of 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 result 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.

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.
Product: Mortgage

I am writing to file a formal complaint against Hancock Whitney Bank regarding a significant issue with my mortgage account. 

On XX/XX/2024, I received correspondence from Hancock Whitney Bank informing me of an impending increase of {$2000.00} to my mortgage payment starting XX/XX/XXXX, purportedly due to an escalation in the Escrow balance. Concerned about this sudden change, I initiated an investigation into the matter. 

Upon careful examination and subsequent communication with both the tax and XXXX  ( XXXX XXXX XXXX ) offices, I discovered that the only outstanding amounts due and subsequently paid were {$5900.00} for county taxes and {$1500.00} for MUD/utility charges. However, the Escrow Account Disclosure Statement provided by Hancock Whitney Bank indicates an additional {$3900.00}, for which I have diligently sought clarification from the bank. 

Despite my repeated attempts to address this issue, including numerous phone calls to Hancock Whitney Bank at XXXX and the submission of at least four emails, I have encountered a distressing lack of resolution and follow-up. Each time I engage with the bank, I am met with frustration as no notes are taken regarding my inquiries, leading to an endless cycle of repetition. Furthermore, I have been informed that my emails will not receive responses, and I am left with no choice but to wait several days between calls in pursuit of a resolution. 

It has now been a month since I first raised this concern, and the lack of progress is deeply concerning. I am beginning to suspect fraudulent activity on the part of Hancock Whitney Bank, as the discrepancy in the Escrow balance remains unexplained despite my persistent efforts to seek clarification. 

This experience has been incredibly frustrating and disappointing. I have never encountered such a level of incompetence and disregard for customer concerns from a mortgage company. 

I am formally requesting that the Consumer Financial Protection Bureau thoroughly investigate this matter and take appropriate action to rectify the situation. Additionally, I urge you to hold Hancock Whitney Bank accountable for their failure to address and resolve this issue in a timely and satisfactory manner. 

Thank you for your attention to this matter. 

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

I dont know this company never had any contract with them and its saying its open.also Wells Fargo was paid off and XXXX and still showing on my report would like removed
Product: Debt collection

The CBE Group Inc-Former at : The CBE Group , Inc. XXXX XXXX XXXX XXXX, IA XXXX XXXX been sending me collections notices in the amount of {$2200.00}. The collection has been reported as past due balance. I'm not aware of the company, nor have I conducted buisness with them. This company doesn't have a contract with my signature.
Product: Credit card

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX AND A 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 these accounts have been disputed every single month and they do not properly investigate i get a message within a day that the account is remaining on report. They should be showing balance or negative as i paid all my accounts off. I have been dealing with this for months. They are not following 15 U.S.C. 1681i
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and I am formally disputing the inaccurate information listed on my credit report. In accordance with 15 U.S.C. 1681b and 15 U.S.C. 1681c, I did not authorize the reporting or release of my personal information to the companies listed below. This is a violation of my consumer rights to privacy, as they have no legal basis to report anything under my name. 
Furthermore, there are unauthorized inquiries on my credit report that I did not initiate, which constitutes a case of identity theft. Pursuant to 18 U.S.C. 8, I do not owe any debt to these entities, and I demand the immediate deletion of the items and inquiries in question to correct my credit report. 
Please address this matter promptly and confirm the removal of the disputed entries.
Product: Checking or savings account

In XX/XX/XXXX/XX/XX/XXXX, Citibank had a checking and savings account offer whereby depositing and keeping {$15000.00} in the account for 60 days would make the account holder eligible for {$400.00} promotional bonus. 
I opened checking and savings account with Citi for {$15000.00} on XX/XX/XXXX and since then havent removed my {$15000.00} out of the account. I called Citibank helpline after 60 days of funding the account and the CSR said I have to wait for another 90 days before Bonus of {$400.00} gets posted to my account. 
I waited for another 90 days and called Citi bank on XX/XX/XXXX but they are refusing to accept the fact that I was ever eligible for a {$400.00} bonus. They say their system doesnt show any such promotion for my accounts and Im not eligible. 

They say they will 'investigate ' and have recorded a complaint and given me a complaint number : ( Service Request # XXXX ) saying their Client Relations department will reach out to me in 60 calendar days. 
My {$15000.00} amount is however still tied into the account although I could be earning 2.5 % APY in other competing bank accounts. 
I have reviewed thousands of similar complaints online from other account holders who are victims of Citibank 's fraudulent and non-professional treatment. 

Here are my account numbers for reference : -- > HIGH INT CHKG XXXX -- > Citi Savings Acct XXXX
Product: Credit reporting or other personal consumer reports

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

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 Experian
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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, i filed a complaint with CFPB regarding Transunion getting free reports online or accessing report online.That complaint number is XXXX.Transunion responded with CFPB on XX/XX/2020.On XX/XX/2020 vial mail, I recieved a transunion credit report including credit score.After reading the report, I did see a trade line i wanted to dispute via online with transunion ( XXXX : XXXX ) .I tried to dispute online but recieved message that " online dispute is not available at this time '' .I have recieved this message many times in the past.Also, I still cant log on to see my report as well.I have called transunion to fix this issue and filed complaints many times.Nothing works to resolve this issue.Please fix this issue
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX  Account name : # XXXX XXXX, Account name XXXX XXXX XXXX, has violated my rights. 

I looked at my XXXX credit report on XX/XX/2024 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 suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score : XXXX XXXX XXXXXXXX Account Number : XXXX In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Debt collection

Under the doctrine if estoppel by Silence, XXXX vs XXXX ( MO ) XXXX XXXX XXXX. I may presume that no proof of the alleged debt, Nor therefore any such debt, in fact exist.

15 USSC 1681 never giving written consent For LVNV Funding LLC Collections Agency to furnish or obtain my information. Taxes are written off for unpaid debt while debt is being sold to collection agencies that illegally obtain recovered money for their own selfish, self-fulfilling beneficial gain. You are illegally recovering money from me that has been already been recovered through tax write off. Technically, I dont owe the credit agencies because I never borrowed anything from you. Information is being illegally collected for third party collection agencies to obtain social security numbers and birthdays for self-use of incriminating people to fall under the impression that you were are the initial loaners and that debt needs to be paid back to the initial loaning agency for relief. I do not owe the collection agency because once again 15 USSC 1681 is never giving written consent to furnish or obtain my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

TO WHOM IT MAY CONCERN EQUIFAX IS THE ONLY CREDIT BUREAU SHOWING WRONG INFORMATION ON MY CREDIT REPORT I WOULD LIKE A FULL INVESTIGATION WITH MY SIGNATURE SOMEONE WENT TO A SCHOOL IN MY NAME THIS IS NOT ME PLEASE HELP.