23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several letters to all 3 credit bureaus- XXXX XXXX XXXX XXXX and Experian disputing this Account with ( XXXX XXXX ) - name as reported to my credit report. They keep sending me a letter that this account was verified but have failed to explain WHY, WHO, & WHEN. They have failed to present me with proper documents that show their method of verification. They also failed to show me original documents bearing my signature with this account. 

This account also shows a few incorrect information such as the ''date opened '', ''date verified '', '' closed date '', ''account status '', ''dispute status '' and ''date of last activity ''. ONLY ONXXXX BUREAU IS SHOWING A ACTUAL CLOSED DATE FOR THIS ACCOUNT. THIS ACCOUNT NUMBER IS ALSO INCOMPLETELY REPORTED FROM ALL 3 BUREAUS. This account is also in VIOLATION of Metro 2 Compliance because THIS ACCOUNT IS ALSO REPORTING INCORRECTLY & ALOT OF FIELDS ARE BLANK & MISSING INFORMATION. THIS ACCOUNT IS ALSO REPORTING A " LATE-PAYMENT STATUS '', WHICH IS ILLEGAL BECAUSE A CLOSED ACCOUNT IS NOT SUPPOSED TO REPORT LATE PAYMENTS NOR A BALANCE. 

In addition, I have been sending dispute letters to these bureaus and they have FAILED to update the ''dispute status '' of this account. 

All XXXX credit bureaus are reporting DIFFERENT INFORMATION on this SAME account which is ALSO against my consumer rights. According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this INCOMPLETE, UNVERIFIABLE, UNFAIR, and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against ALL 3 credit bureaus and ( XXXX XXXX ). I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  Account Number- XXXX To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe.

Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt.

Cease any credit bureau reporting until debt has been validated by me as required under the FCRA.

Send me proof that you are licensed to collect debt in the my state.

accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Product: Credit reporting or other personal consumer reports

Back in XX/XX/2022 I began disputing inaccuracies on my report with XXXX. XXXX is furnishing inaccuracies from XXXX. One it is a violation of me ( the consumer ) to furnish private information to a public third party. XXXX is a 3rd party furnishing my private information. XXXX and XXXX have violated the following rights of mine 15 USC 6802 ( a ), 15 USC 1692a ( 2 ) and 15 USC 1602 ( I ). I sent a cease and deist to XXXX and they did not comply. XXXX is the furnishing. They are reporting late payments which is a violation and they failed to verify also some months have ND which means no data provided how can you furnish information if no data was provided by a company. Seems suspicious because the other bureaus are NOT furnishing the same information. XXXX is furnishing high balances which is a violation of the Gramm Leach Blilley Act meaning XXXX can not furnish transactions aka high balances. I know for a fact because I sent a cease and desist letter for an account violating the Gramm Leach Blilley Act and the account was removed because they knew they violated my right. XXXX is violating several FTC, FCRA and Privacy Protection laws. XXXX Transunion and XXXX are reporting different high balances which is a violation and means the account should be removed. I have proof that these inaccurate accounts were falsely investigated and updated
Product: Credit reporting or other personal consumer reports

I'm writing to complaint to TRANSUNION about the unauthorized inquiries on my credit document that isn't genuinely agreeable, demonstrated legitimate, or reported as completely non-permissible and a result of Identity theft. My address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX and I go by XXXX XXXX XXXX. My birthdate is XX/XX/year>. I have noticed likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. The FTC report numbers related to this complaint is XXXX. As a customer, I'm qualified for request or potentially constrain you to eliminate them when conceivable inside my government and state customer or potentially social equality. I am filing this consumer complaint and conducting a consumer check to ensure compliance with FACTA Title 1 Section for the particular items you are reporting. 151 that unambiguously obliges a depicted of the modus. This is a legitimate inquiry of information and declaring.
Product: Mortgage

This complaint is in reference to complaint number XXXX. It has now been 60 days since I submitted my complaint and CFPB has closed my case. 

Someone was needs to look up the check and it will show that I did sign and return it in a timely fashion. If I did n't sign it how could PNC deposit it and put it in a special fund. I have been looking for copies of the faxes regarding the amounts of repairs that were done to my home and I even called and faxes request for someone to come out to inspect the work which was done. I am also looking the contractors receipt from seven years ago.
I paid for that insurance and the repairs to my home and PNC, refuses to send me my money after seven years. I am giving them permission to still come out and inspect my home so I can get my money back. I did everything that I was suppose to and PNC kept misplacing my paperwork. If you look at all the complaints, you will see that PNC has done this to a lot of customers. 

Also why has PNC placed a lien on my home. CFPB PLEASE STOP CLOSING MY COMPLAINTS BECAUSE THEY HAVE NOT BEEN PROPERLY INVESTIGATED.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : DEPT OF EDXXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I called because i Received an email stating the collection account had been removed yet when I called XXXX stated that it had not.
Product: Debt collection

I am writing to formally dispute the debt listed under my name in your records. I have already submitted a dispute regarding this matter, and despite that, the debt is still being incorrectly shown as owed to me. I request an immediate update to reflect the status of this dispute and the correction of any inaccurate information associated with my account. Please provide confirmation that this issue has been addressed and that the debt is not owed to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C. 1681 section 602 A status, 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Checking or savings account

I am shocked and outraged that I was advised that despite doing nothing wrong, the banks will not reimburse my Key Bank account for a check that was washed and cashed by XXXX XXXX. It has been over 18 months that I have been dealing with this issue. 

I am in great need of help from the CFPB. 

Back in XXXX, XXXX, I did everything that was required. Upon discovering the fraud, I immediately reported the fraud to the bank. I immediately went to the bank and filed the needed paper work. I immediately went to the police station and filed a report. There was nothing more that I could do. 

The banks make the error in cashing a fraudulent check. 

My initial complaint, XXXX contains the details. 

Shockingly, after several extension to respond to this complain by XXXX XXXX, I received a call saying that their records did not even show a demand from Key Bank. I do not believe this was true, based on may calls to Key Bank, and advised the representative that this was incorrect. I knew that once the call ended there was nothing that could be done. 

Then, moments later, I received their email, basically saying that they were not going to refund the funds that were lost due to bank errors, not any error on my part. No mention of the lack of a demand from Key Bank as I had just been advised in the call from XXXX XXXX. 

From speaking with others, I know banks will cover these lost funds. I do not know why the lenders are discriminating against me and not reimbursing my account. 

I also wish to note that when I called the Key Bank fraud line, after speaking to the representative, I requested to have a supervisor call me back. I called again and noted that I had requested to speak to a supervisor the last time I called. I was rudely told that I could not speak to a supervisor and that a supervisor would only call me if they deemed it appropriate. I offered to hold on the line as long as needed to speak to a supervisor and was told that she would not allow that and would hang up. 

I would greatly appreciate your help in having Key Bank and XXXX XXXX take the steps required to refund the funds to my account.
Product: Debt collection

I have asked Guardian Capital Management to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Product: Credit reporting or other personal consumer reports

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! By Definition, the IRS Clearly says a Cancelled debt or XXXXXXXX XXXX is Income. This is improper use of my credit report! These agencies must be looked at for predatory tactics and malpractices. When I initially disputed the items attached to this complaint, they had said that they " verified it ''. I am now requesting that you mail me a copy of the complete consumer file that you maintain concerning me after you act on this dispute. Note, the term file ... means all of the information on [ me ] and retained by [ you ] regardless of how the information is stored. 15 U.S.C. 1681a ( g ). Therefore, it is unlawful to send me a partial disclosure and not the entire file. If you verify or deem the item of information that I disputed above as accurate and complete, then I request a description of the procedure used to determine the accuracy or completeness of the information... including the business name and address of any furnisher contacted in connection with such information and the telephone number of such furnisher, pursuant to the provisions of 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), in no later than fifteen ( 15 ) days after making such determination. See 15 U.S.C. 1681i ( a ) ( 7 ).
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX and XXXX XXXX XXXX are they same website that is running a puppy scam, I did a belle transfer with 1 hour called bank to cancel was told I could not and needed to dispute transaction which resulted in the bank saying nothing could be done. Each XXXX account is linked to bank account and the email XXXX was the email money was transfered to. The bank should be able to reverse charges and report account hold for improper and illegal use. Ally Bank is bank used and XXXX is the app
Product: Checking or savings account

Without my authorization, PayPal used my checking account, not my PayPal credit, as I instructed, to pay for my online XXXX orders, I've been charged overdraft fee, by the bank, of {$36.00}, three times. I'm requesting PayPal to reimburse me overdraft fee bank is charging me now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I changed bank accounts after experiencing a fraudulent charge that my bank wasn't willing to fix. Shortly after I opened and funded my new account, I contacted Grain and asked them to please send me a way to pay my account. They sent me a link that wasn't working to make a one-time payment. I then tried to log in today and update my bank account ( this is the 4th time since XX/XX/2022 ) and again it does not allow this. I then emailed yet again to ask for a way to fix my account. I was able to click the link and make a payment today, but the company has added late fees to my account and reported my account as 90+ days past due. My account is past due and over the limit only because they will not allow me to make a payment or update my information. Included is proof of my initial email and my payment confirmation.
Product: Debt or credit management

Multiple letters have been mailed requesting for the information to be delete it and removed from my credit. First letter send XX/XX/year>, second letter sent XX/XX/year> and final letter sent on XX/XX/year>. No updates have been provided or correspondence.
Product: Checking or savings account

While exchanging money I inadvertently left XXXX dollars on the counter thinking it belonged to the bank only to find out I was XXXX XXXX dollars short when I went home. I filed a claim with the bank only to be told I had to get a subpoena to look into their security camera and to validate my claim. Their refusing to refund my lost money. Their dishonest teller and bank manager aren't doing anything to right the wrong of my lost money.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Debt collection

They failed to validate and delete inaccurate information from my credit report after months of me Disputing the inaccurate information on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$1000.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, no contracts exist ... accounts were settled with creditors and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation
Product: Credit reporting, credit repair services, or other personal consumer reports

i was a victim of identity theft i have accounts that are on my credit report that was not opened by me.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I wrote a letter stating my name is incorrect.. The letter read " I am writing to request a correction on my credit report. It has come to my attention that my name is incorrectly listed as XXXX XXXX XXXX on my report. My correct legal name is XXXX XXXX, and I would like my credit report to reflect this accurately. "
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to your company because there is a late payment on this account ( XXXX XXXX ) which is hurting my credit report badly. I was never late in making payments. Please correct and update the inaccurate information on my credit report. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.
Product: Credit reporting, credit repair services, or other personal consumer reports

Both XXXX / experian has not properly validated or removed XXXXXXXX XXXX XXXX from my credit report. I have not inquired about this account or owe anything about this account. Filed with the FTC and local police station.
Product: Mortgage

XX/XX/23 Recived a call about equity in my home due to someone running a report on the morgage.
Product: Credit reporting or other personal consumer reports

My personal information was used without my permission to open fraudulent accounts and inquires using unauthorized residential address I never lived at. I have contacted to credit bureaus, data furnishers consumer financial protection bureau, and police department to report this inaccurate information that needs to be blocked and removed from my credit report by federal law FCRA section 609 Fraudulent accounts include : XXXX XXXX XXXX opened XX/XX/XXXX balance XXXX $ XXXX XXXX opened XX/XX/XXXX balance XXXX $ XXXX XXXX XXXX opened XX/XX/XXXX balance XXXX $ XXXX XXXX XXXX opened XX/XX/XXXX balance XXXX $ Fraudulent address never lived that : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I have never dealt with such a disorganized and willfully ignorant organization. I previously put in COMPLAINT ID XXXX SUBMITTED ON XX/XX/2023 I have just got off the phone with XXXX XXXX who XXXX the same information but referred to an alert for my other credit card. I told her I had not attempted to use the card I was calling about. She admitted the mistake. Then she said I never called to alert them. I have all the call records of the dates I called and the Bank of America verification codes sent to my phone, that document IN FACT I called immediately after receiving the letter on XX/XX/XXXX at XXXXXXXX XXXX. She stated she would go over the recorded calls. This should have been done from the very beginning. I have no reason to pursue this other than being reciprocated for the time and effort I put in to rectify a problem they started. 

She said the alert was put on my card because I changed my address a few days after. IF they would have checked I have had an established address at the previous address plus the one I changed it to. NO ONE ever informed me why my account was put on alert in the first place. My bank account address is the same as the one I changed the shipping address to. This is incompetence on the highest levels and one that has wasted a lot of time and energy on my part. I am furious!