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

Dear Sir or Madam : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 
I have enclosed a copy of my Identity Theft Report, proof of my identity, and a copy of my credit report showing fraudulent accounts. I also have enclosed a copy of the Notice to Furnishers of Information, which explains your responsibilities when reporting information to credit bureaus. When you receive a request like this with an Identity Theft Report, you must stop reporting fraudulent debts to credit bureaus.

The Notice also states that if a credit bureau notifies you that information you provided may be the result of identity theft, you must stop reporting the inaccurate information and you can not attempt to sell or transfer the fraudulent debts to another party for collection. 
Please send me a letter explaining your findings and actions.
Product: Checking or savings account

On or about XX/XX/2022 I entered PNC Bank at XXXX XXXX XXXX, XXXX, AL XXXX around 3 pm. Upon entry I approached the teller and made her aware I would like to open a account. The teller stated to have seat and someone would be there to assist. She blurted out it will be {$45.00} to open a account. Her name was XXXX. By the time I settled in a chair the same teller was approaching stating she would help. I informed her I would like to open up a trust account. She stated the manager could help with this. She left and went into a office room near me. When she returned she had a piece of paper related to account opening information and said the manager was gone. I asked for the paper and she stated she needed to make a copy. She returned with a copy and the managers card. It said XXXX XXXX. I waited for a few minutes a woman walked out of the office room to the teller. When the woman left the teller I called XXXX and she looked at me. PNC bank is clearly conducting discriminating against clients preventing access to the bank. I was angered, shocked and embarrassed. XXXX knew I was the person who inquired about the trust via the teller. And was shocked I called her name.
Product: Mortgage

Green Tree Servicing initially refused to speak with my client regarding the status of his mortgage following the death of his partner. He filed a complaint with the CFPB. XXXX CFPB Complaint No. XXXX ). Green Tree agreed to add him as an authorized third party on the account, presumably in order to avoid regulatory attention. Green Tree was briefly willing to discuss the account. Now Green Tree has rebranded itself as Ditech and is again refusing to speak with him. I am concerned that my client may lose his home because Green Tree/Ditech does not have a uniform policy in place to establish communications with surviving partners -- particularly where a house is held jointly with a right of survivorship and the property passes outside of a formal probate process.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached
Product: Debt collection

Wilson Riley and associates called and threatened to have a warrant issued and to sue me over a debt from XXXX or XXXX they curse at you called my ex wife and threatened her with the same even though at that time we have been divorced over 5 plus years. One man called and stated he was an investigator with the state of California. I have voice mails verifying the tactics they use and can forward it as I saved it. Wilson Riley and associates have called numerous times, we agreed to pay off the original amount and the XXXX payment was late as we were loading it on a card then we received another threatening call about a sheriff coming to our door with a warrant and that I will be sued and charged with wire fraud because we declined a wire transfer between states. They also said our agreement was null and void a d that my info was erased from their system, but on XXXX XXXX, XXXX they took out {$110.00}, so XXXX payments that are unauthorized were taking out, going by their words nothing should have been touched.
Product: Mortgage

The bank reported XX/XX/2021, and XX/XX/2021, both paid on time, as delinquent. 

The payment due on XX/XX/2021, was made on XX/XX/2021 in the amount of {$2500.00} as that was the payment amount required according to the misleading online bill. ( see XX/XX/2021 statement for receipt acknowledgment ). The statement amount due was lower at {$1500.00}. 

Likewise, the payment due on XX/XX/2021, was made on XX/XX/2021 in the amount of {$2500.00} as that was the payment amount required according to the misleading online bill. ( see XX/XX/2021 statement for receipt acknowledgment ). The statement amount due was lower at {$1500.00}. 

Although both payments were made early, the bank disappeared part of them and reported {$1500.00} for XX/XX/2021 and {$1500.00} for XX/XX/2021 as delinquent ( see XX/XX/2021 statement ). 

The bank essentially stole {$3100.00}! XXXX x XXXX ), as the bank is demanding that I pay these amounts again.
Product: Credit card or prepaid card

On XX/XX/XXXX, I went to XXXX XXXX website to purchase a flight ( {$160.00} ) - I was invited to have my trip price offset by {$200.00} ( a statement credit ) If I was approved for an AMEX DELTA credit card - It stated that, after my credit, I would owe nothing. 

I took the bait - I was approved. Keep in mind I still need to purchase my flight! A prompt offered to give me my credit card number RIGHT NOW ( over the internet? ) and stated " If you'd like to make purchases online you can get your account number now or you can wait for your account card in the mail ''. 

I figured " I only want my flight and I don't want to lose the {$160.00} price so I will NOT go online and make purchases, that sounds unsafe anyways, lets just get that statement credit! '' So I selected " send card in mail '' Well I never had any opportunity to use the newly approved charge - there was no option to use the account for payment - I HAD to get the number online right then. One would expect that the approved card would be used for THIS current application. Why wouldn't it? They certainly CAN do that if they wanted to. This is desined to mislead. Trust me - it is. 

I used an existing AMEX account I have - I called AMEX- they said " too bad '' and LITERALLY told me " the account number pops up for a fraction of a second, we are sorry you did not get it ''. 

I would have to purchase another flight in order to get a statement credit-
Product: Debt collection

I was calling back, she answered, and she rudely hung up on me. I called again and she answered, we are talking normally. Nobody should not rudely hang up on someone who is debt. it is not cool.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a " payment on a credit card account under an open end consumer credit plan as late for purpose.

372k
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT I recently received a copy of my ( XXXX, XXXX or TransUnion ) consumer report, and I noticed some Transactions posted on my consumer report that is excluded my federal laws to my consumer reports! : XXXX XXXX bank account XXXX XXXX Reporting this late payment from XXXX XXXX XXXX is in violation of the FCRA and Metro2 Compliance and reporting violation. 
15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) EXCLUSIONS.

Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; On June and July 2024 you reported transactions from to my consumer report. The above section 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the person/ Corporation making the report is not included on the consumer reports yet you are reporting this information to my consumer reports!

The reporting of excluded information pursuant 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) to a consumer report is Clear violation of Metro2 compliance!

Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency.

I demand the transactions reported on XXXX and XX/XX/year> be Deleted from my consumer reports effective immediately. 
Now before you think to reply with validated, lets be clear I am not asking you to validate or verify anything so dont respond telling me that to waste my time. 
Further more 15 USC 1666b ( a ) ( a ) TIME TO MAKE PAYMENTS A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

I need the above transactions deleted from my consumer reports!
Product: Credit reporting, credit repair services, or other personal consumer reports

Going through XXXX, I had problems making my monthly payments and did reach out to Barclay for some assistance, but they didn't want to work with me. I finally went through XXXX XXXX trying to consolidate my debts and they negotiated a payment plan for me with Barclay 's collection agency XXXX XXXX XXXX. The last payment was submitted last XXXX and up till now they have refused to take off the comment that I have still been delinquent and that the account is in Collections! I have talked to XXXX and they have confirmed all was paid 6 months ago and sent me a letter of confirmation which I will be happy to submit and suggested that I contact Barclay directly. I spoke with XXXX in Customer Service at Barclay who indicated that I should be talking to XXXX directly since they do not show payments submitted!!! I called XXXX back and they confirmed that the check was cashed on XX/XX/2022 and that they need to remove their remark. As you can see, I have been going back and forth trying to have this remark removed without any luck! Could I please request your assistance in having them remove this item so it can rightfully reflect so on my credit report with the 3 reporting agencies. 
Thank you in advance. 
XXXX XXXX
Product: Prepaid card

For switching carriers from XXXX to XXXX, I was promised XXXX {$250.00} AMEX prepaid cards. I have so far received XXXX of the cards ( was told the other XXXX are in transit ) but NONE of the cards work! I was told at time of switching by the XXXX representative in XXXX  that the cards could be used to pay off the XXXX balance I would have for switching. However, the cards do not work! I have checked the balance and all XXXX have {$250.00} each but the card declines on every site I try to use it. It says on the card it is accepted everywhere AMEX is and after verifying that all the sites take AMEX, the cards still declined! I am currently out of {$1200.00} ( with {$500.00} more en route ) that I cant access so I have a XXXX balance AND a new XXXX bill. I feel scammed and att was no help with saying try another site, which I did to no avail. Trying another site is NOT the solution when the cards are supposed to work anywhere that accepts AMEX!
Product: Credit reporting, credit repair services, or other personal consumer reports

For nearing a year of attempting to access and dispute my credit file, I have been denied. Denied access to view, get a copy of, access, dispute and maintain my credit file. In the process of amicable resolution, on my part, I have endured, discrimination, ignorance, immaturity and attacking threatening behavior.
Moreover, I have disputed account information as inaccurate and Transunion has come back to me and stated they were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. Please explain how validity or verification can be conducted?
The FCRA requires CRA 's to verify the validity of the item within 30 days. If the validity can not be verified, CRA 's are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge Transunion to remove this item before I am forced to take legal action.
I am disgusted by the level of professionalism I have been shown.
Product: Credit card

I signed up for an offer with American Express on XXXX for a {$180.00} credit upon spending {$750.00} with XXXX XXXX, XXXX, & XXXX XXXX XXXX XXXX XXXX XXXX. I spent {$1200.00} with the XXXX XXXX on XX/XX/year> and met all conditions of the offer. Amex has claimed that the offer terms have not been met, despite their own agents agreeing that they dont understand what part of the terms havent been met. Id like them to uphold their offer terms and give me the {$180.00} credit.
Product: Credit reporting or other personal consumer reports

On XX/XX/24 there was a hard inquiry on my credit report by XXXX. I did not apply for any type of loan or credit card through them.
Product: Vehicle loan or lease

I financed a XXXX XXXX XXXX on XX/XX/XXXX. The dealership valued the car around {$16000.00} and the loan interest was around 26 %. I was up to date with my payments even though the interest was unreasonably high. I had the car for about 3 years and had paid almost the amount that the dealership valued the car but because of the unreasonable interest it seemed like I had paid nothing because the remaining owes amount hardly went down. After getting the car reposed the first time I was able to get it back but decided it was not worth the stress and the money that I was loosing therefor I decided to have it voluntarily reposed. CapitalOne sold the car and still continued to demand more money from me after it was already sold. Towards the last months before getting it reposed the first time I had just lost my job and was going through a separation that turned into a divorce. I believe that CapitalOne has already recovered the amount that the car is valued at and find it suffocating to still have to get calls from them from different numbers and sometimes very early in the morning and letters back to back demanding more money. Im currently a single mother of XXXX and my kids come first before anything. Ive attached to pictures of my statements that are 7 months apart and total amount only went down by {$280.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my Transunion credit report I notice that an account under the name ( XXXX ) is being reported as closed and charged off. This account is being reported inaccurately which is a violation of FCRA rules section 1681. 

Notice in attachment ; : Account currently reports inaccurate last date of payment. A violation of FCRA rules section 1681 : Account currently reports inaccurate date Account was closed. A violation of FCRA rules section 1681 : Account currently reports date last updated in XXXX of 2020. Even though I disputed this account in XX/XX/2020. This is an indication that account has not been accurately investigated or verified. A violation of FCRA rules section XXXX. 

: Account does not report date of last delinquency as required by fcra rules section 1681. This is a violation. 


: XXXX does not appear on either XXXX or my XXXX credit report. This reporting is inconsistent that is inaccurate. A violation of FCRA rules section 1681 : This account is currently being reported as charged off. But still reports a past due balance. Under fcra rules a closed charge-off account may not report a past due balance. This is a violation of FCRA rules section 1681.
Product: Credit card or prepaid card

have a lot of unauthorized charges.  Discover Card is  determined to charge me for these things I 've never heard of. There is no " documentation '' that can possibly exist that I made these charges because I did n't. I 've never been to any of these places. I did n't buy anything and did n't receive anything.        XX/XX/17      XXXX   XXXX   XXXX   XXXX   XXXX    XXXX  NM {$54.00}  XX/XX/17      XXXX   XXXX   TX {$38.00}  XX/XX/17     XXXX   XXXX   XXXX   XXXX  NV {$41.00}  XX/XX/17      XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX  NM {$54.00}  XX/XX/17     XXXX   XXXX   XXXX  AZ {$57.00} I figure my identity was stolen.
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. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX 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 # XXXXXXXX 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 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove this Fraudulent account immediately and do not re insert this account on my report again. I have notified Attorney General XXXX XXXX, a complaint has been filed with the attorney generals office. 

1. remove the XXXX XXXX XXXX account as this was previously investigated and removed. If you XXXX determined this account to be fraudulenty added to my report why is it now back on the report. This is a violation and illegal attempt to cause harm. I demand monetary compensation of {$1000.00} for each violation. 

XXXX has neglected to respond within a timely manner to provide verification on this account. Please remove this XXXX XXXX XXXX ( fraud ) account immediately and do not re insert this account on my report again. I have notified Attorney General XXXX XXXX, a complaint has been filed.
Product: Debt collection

I am writing to file a formal complaint regarding an alleged debt collection by XXXX, XXXX XXXX XXXX, XXXX. The collection agency has contacted me regarding an outstanding balance of {$5400.00}, which I believe is not my debt. 
I received a collection letter from XXXX, XXXX XXXX XXXX, XXXX. dated on XX/XX/year>, claiming that I owe the stated amount. I have no knowledge of this debt and do not believe that it is my responsibility. In response, I sent a written request to the collection agency for the following information : 1.A copy of the original contract or agreement bearing my signature. 
2.Payment History 3.Name and address of the original creditor 4.Proof of collection authorization The documents sent back in return still do not verify that this is my debt from XXXX, XXXX XXXX XXXX XXXXXXXX. I have also verified with my personal bank, that no such check has ever been deposited. I have no knowledge of requesting this personal loan. Despite my request, the collection efforts continue, which I find both concerning and unfair.
Product: Credit reporting or other personal consumer reports

This complaint is to XXXX XXXX XXXX XXXX Account : XXXX It is illegal to post transactions between the consumer. 
A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

Its been more than 2 years and I demand this late payments to be updated to paid as agreed. Im entitled to {$1000.00} per violation on my consumer report. Failure to do so will result in a law suit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2021 I was a victim of a hit-and-run accident sustaining multiple injuries. My medical bills have been paid by my auto insurance and medical insurance. Experian was given all the proof of payment by XXXX and still they refused to remove it from my credit report and reporting false information. The so-called Collection Agency named XXXX XXXX has been threatening me with calls and under investigation by FTC. Experian 's action is unlawful and lied to CFPB on multiple occasions. 8 times I filed dispute through Experian website with testimony and proof that I am not responsible for this and my auto insurance and medical insurance paid all legitimate amounts.
Product: Credit reporting or other personal consumer reports

Requested all three bureaus to correct and update old/incorrect personal information on or before XX/XX/year>. XXXX continues to show old/incorrect information.