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

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Checking or savings account

In XXXX, I requested a quote for auto and home insurance from USAA. I never accepted the quote or became a customer. Today, XX/XX/XXXX, I received a letter from USAA detailing their " privacy promise '' and that they maintain information about me for internal and 3rd party use. I called to ask why and to have my information removed as I have never been a customer. I was told my information would be " restricted, '' but it would not be removed. 
Having been a victim of identity theft and loss of personal information through employers and entities I did business with, I see no reason for USAA to maintain ANY information about be, particularly seeing as I have never become a customer. I want my personal information removed from USAA 's system yet they refuse to comply.
Product: Credit reporting or other personal consumer reports

Im having trouble speaking to a human on Experian. Forcing me to send a letter just to cancel a subscription I shouldnt have to pay to review my credit score information
Product: Credit reporting, credit repair services, or other personal consumer reports

Progressive Management System # XXXX is reporting an account to XXXX  that is not mine. It belongs to my ex boyfriend and I should not be responsible for it. I was involved in a XXXX XXXX case and got a restraining order, this account is his but is still reporting on my credit and needs to be removed.
Product: Credit reporting or other personal consumer reports

Please verify your claim under pains and penalties that this is a true debt and not a collection scheme per the F.D.C.P.A at 15 U.S.C. 1692 e.g. Please send me a certified copy of your license to collect in the DISTRICT OF COLUMBIA. If you purchased this as a debt collections device to make money as a debt collector, thank for paying off the bill. You have 10 days to respond with a statement of account with a XXXX balance and remove any and all unlawful on my credit report. Failure to respond in XXXX business days is acceptance and your failure to cure your dishonor you will receive my NOTICE AND DEMAND for XXXX in damages for violations to include : Fraud, Extortion, Denial of Right to Happiness, Dishonor in Commerce, Collusion, Racketeering, Conspiracy, Intimidation, Defamation, TILA violations, FDCPA violation.

In accordance with the UCC laws, all Commercial Transactions must be recorded with the Secretary Of State.

Also According to the UCC 11 search, I the Consumer do not have any Liens/Debt in my name.
Product: Credit card or prepaid card

I ised weong password to many times for my account my iphone is hroken so can do recovery with icloud email, i try to call snd it says you are pementaly suspended refer to email but i cant with broken phone and i cant get anypne on the phone
Product: Debt collection

I received calls for about a month ( XXXX into XXXX ) from First National Collection Bureau , Inc of XXXX Nevada calling me by name & birthdate. They refused to tell me what the bill was about unless I give them my social security number which I did not. They continued to call & I refused to answer. I received a letter from them XX/XX/22 stating I opened up a credit card with XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, SD, for {$880.00}. If I send in 6 months - {$73.00} to them ( First National Collection ) totaling {$440.00}, the rest will be dissolved. I did not open this nor did I ever receive any calls, letters, statements from XXXX XXXX on it. I called XXXX XXXX  XX/XX/22 who verified I owed it from acct # XXXX but she repeatedly asked for my SS # - states I can file a dispute letter & mail in to XXXX XXXX XXXX, XXXX XXXX, SD XXXX. The letter stated due to age of debt, XXXX XXXX will not sue me for it but can report it to credit reporting agencies. First National can not sue me nor report me to credit reporting agencies. However I can renew my debt and pay later if needed. I DID NOT get a credit card nor do I owe this bill. This is fraudulent and identify theft on me and I need to know how to handle. Any assistance will be greatly appreciated. XXXX XXXX Spoke to XXXX XXXX & XXXX on above.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis Nexis has reported some derogatory added information on XXXX XXXX that has prevented me from opening checking account.
Product: Debt collection

Midland Credit ManagementXXXX XXXX Have been harassing my XXXX XXXX in a very agresive manner and threaten to mess up and destroy the credit score. Used very unprofessional language. We had previously spoken to this company about this debt since its a fraudulent charge performed by an unknown not even in the same state we live but since the person used my name only changed his address they assume its us. We reside in XXXX, the fraudulent charge was made from XXXX or so we had been told. It was on a closed account so I have no idea how they attained my information. I am over XXXX XXXX XXXX XXXX and at this point Im tired of arguing over and over again and some them agreeing is fraud and Im not at fault and others being rude and threatening my credit scores and report.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

We were on an auto-pay schedule with Wells Fargo to pay our mortgage. During COVID our mortgage was automatically put in forbearance, we called to have it removed the following day after we had found out and requested our autopay be reinstated. This caused our next payment to be withdrawn after our next bill was due. We have now accrued over {$800.00} in late fees. This had only come to light when I had logged into our online banking to find tax information. Even when looking on the payment website it is not obvious that our payment is past due. We have also not been sent anything in the mail or email regarding our mortgage payment being late in the XXXX years this has been occurring. We contacted the bank and they refused to remove the late fees, we still have not recieved anything saying our payments are late. Our payment comes out automatically on the XXXX of each month which is when the payment is due.
Product: Credit card or prepaid card

On XX/XX/XXXX and Again on XX/XX/XXXX I attempted to activate a gift card that was presented to me at my XXXX  function in XXXX of XXXX. The Card package clearly stated that the funds last forever. Sadly, that appears to be a scam. At the time I received the card I did not receive the gift receipt. The card may have been registered to the giver in error, though I question that as I was asked for info that was inside the sealed package at the time of my registration attempt. 

On XX/XX/XXXX, it took six requests to speak to a supervisor who asserted that he could do nothing. I was requested to fax information which included my Drivers license and the back of the Gift Card. I was told by XXXX that I would hear back in 3 business days. That did not happen. 

I followed up today and was told that I needed the original receipt and again I explained that the receipt may not be in existence after 3 years and after another 5 requests to speak to someone who could resolve the issue, I was transferred to XXXX who again asserted that I needed the original receipt from 3 years ago. Again, I explained that it was a gift and I have no recollection of getting it at the time. When I questioned XXXX as to whether US Bank had reached out to the person that is allegedly registered as the owner. The response was No and nor would they. It was added that they assert that perhaps I had stolen the card. I advised them to go ahead and call the XXXX XXXX XXXX XXXX. They declined then shifted to lost as the problem. Again I was told that there is no person or process that would allow for this {$100.00} gift card to be used without producing a 3 year old receipt which likely no longer exists. I would gladly reach out to potential givers, however I was told that the original receipt would be required, no exceptions.
Product: Checking or savings account

I lost my card on theXX/XX/XXXX, reported it stolen on theXX/XX/XXXX after checking my online statement and seeing someone was using it. When I went to the bank to close the account, I filed a dispute for the claims that I didn't make and the banker told me the account would be frozen and closed after the investigation was completed. About a week later a total amount of {$1600.00} was reversed on to my old account and I was told by three different bankers that a check for that amount was being sent to my home. As I patiently waited for the reimbursement check, I opened a new checking account with the financial institution. I received an insurance check in the amount of {$3700.00} on about XX/XX/XXXX for a car accident I was involved in on XX/XX/XXXX to repair my car. A few days before my car was scheduled to be released from the shop, I noticed that {$1100.00} was withdrawn from my new checking account due to rejection of my claim and I still hadn't received the reimbursement check of {$1600.00} that I was told about on multiple occasions. I went to multiple branches of the bank, spoke to many bankers, and people in their claims department over the phone and nobody could give me a definite answer to what happened to my money. When I spoke to a supervisor I was told there was nothing that could be done at that point unless I toke actions into my own hands by hiring a lawyer and notifying my local police department. So I had to take my car out the shop ( without it even getting worked on and on top of that I had to pay a {$500.00} storage fee just for having them keep there with no work done ). I feel like the lost of all this income could've easily been resolved had the bank investigated my claim correctly the first time
Product: Credit reporting, credit repair services, or other personal consumer reports

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the XXXX and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices. 
Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done SELF FINANCIAL/LEAD BA can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If SELF FINANCIAL/LEAD BA reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
( D ) Definition For purposes of subparagraph ( A ), the term reasonable cause to believe that the information is inaccurate means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information. 

Even if you didnt receive a Form 1099-C, you must report canceled debt as gross income on your tax return.

The IRS clearly defines a charge off as gross income or ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate!

The IRS clearly says a Canceled or Charge Off is Income. The reporting of this account as a debt is inaccurate.

15 USC 1681S-2 says XXXX is furnishing information to a consumer reporting agency.

You are PROHIBITED BY LAW to furnish inaccurate information. I DEMAND you to Cease and Desist the reporting of incorrect/inaccurate information immediately and delete the account.

15 USC 1681S-2 ( a ) ( 1 ) ( A ) ( A ) Reporting information with actual knowledge of errors 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: Credit card or prepaid card

I requested to cancel my account and I was told by the online customer service associate that I couldn't do so. The maintenance fee of {$12.00} per month is outrageous.
Product: Checking or savings account

PNCBANK charged me a fee of XXXX on XX/XX/XXXX but I have a monthly average of XXXX so i should not have pnc removing money out of my bank account PNCBANK charged me an international fee on XX/XX/XXXX of XXXX and did not refund me fee even after I got a refund for the purchase. The purchase was in made in USD with the seller. 

PNCBANK customer service did not waive any of the fees and denied me access to my bank account, I was logged off. 

PNCBANK and employees are liars and thieves trying to impose financial terrorism on the populous
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The XXXX 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. Below is the account that is reporting on my Credit Reports : XXXX XXXX XXXX  XXXX XXXX Balance {$81.00}
Product: Checking or savings account

This is for a dispute claim number with Chase : XXXX  for {$45.00}. I've submitted a claim on 3 transactions because someone/fraudulently used my XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX to make purchases at XXXX XXXX XXXX XXXX in different locations including XXXX XXXX XXXX XXXX XXXX The 3 transactions were processed at the same time for {$19.00}, {$45.00} and {$51.00} done on XX/XX/year>XXXX  in the afternoon. I called Chase Bank at XXXX and disputed all 3 transactions totaling {$110.00} and Chase provided a new debit card number. I received a final credit on the {$19.00} and {$51.00}, however I didn't receive my final credit on {$45.00} because they said they found details of the transaction. How are you going to credit the {$19.00} and {$51.00} and not the {$45.00}. Also, this transaction was made in XXXX  and delivered in XXXX, I don't live or do business in XXXX. I've also submitted a XXXX, XXXX  police report - the report tracking number is XXXX, the XXXX Police Department contact information is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I would like my full refund of {$45.00}.
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. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX has violated my rights. 
15 U.S.C. 16815-2 ( 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. 
XXXX
Product: Debt collection

Evans Law Associates ( XXXX ) called my cellphone XX/XX/2015 and left a voicemail. Then they called my mother-in-law and demanded that she give them my contact information. When I returned the call on the afternoon of XX/XX/2015, I first spoke with XXXX/XXXX. He became upset with me when I told him I had XXXX their number and learned they were in bad standing with the XXXX. He transferred me to a " director '' who said his name too fast to catch. As soon as I mentioned the XXXX to him, he became enraged with me. He told me several times that he would file a lawsuit against me. When he told me I owed $ XXXX instead of {$6800.00}, I told him I would not pay the difference. He told me that if I would not listen to him, then " maybe I would listen to the judge instead ''. Also during the conversation I told him I was a legal secretary so I understood how lawsuits worked. He would then ask me questions and say " okay Little Miss Legal Secretary, if that is what you really are, what will happen ''. He was very rude, bordering on hateful. He told me I was not a lady and he did not have to treat me like XXXX. He told me they would not work with me and accept what I can afford each month. When I inquired about receiving a XXXX if I settled with them, he told me they never send out XXXX. He was very condescending the entire time. He hung up on me XXXX times. I made a point to call him back each time to clear up this matter. When I called back the XXXX time, he picked up the phone himself and screamed " WHAT? WHAT DO YOU WANT NOW? ", and proceeded to talk over me and belittle me. At least XXXX times he threatened me with legal action.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that tracking lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concern about consumer safety.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX Consumer Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a cell phone account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$110.00} under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX, an apartment complex account open at XXXX, XXXX on XX/XX/XXXX under the account number XXXX with the balance of {$5400.00} and a internet account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX with the balance of {$77.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX XXXX XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

My home mortgage is with Penny Mac. It has a PMI fee that we have been paying. Per the original agreement. As of a month ago the Loan to Value dropped to 79.79 %, which was to trigger a stop on the PMI. I notified Penny Mac that per our agreement to stop charging me for the PMI. They refused until I PAID for a re-evaluation of my home. This was never in any documents. As a matter of fact I have a letter from Penny Mac dated XXXX/XXXX/14 that states ; that the PMI would be terminated when the Loan to Value reaches 80 % or lower than the " Original Value ''. It has reached that level and they now want me to pay for the home assessment before they will terminate the PMI. This is not part of the agreement. 
Please Help.