23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

1. I have missing credits for previous payments.

2. Incorrect math on my escrow analysis statement.

3. Inconsistent periods for the escrow analysis statement.

4. No explanation for a deficit in in my escrow account from XX/XX/2023 to XX/XX/2023. There was a surplus of {$1700.00} in XX/XX/2023 to a deficit of - {$5100.00} in XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a certified letter with return receipt to XXXX XXXX on XXXX with an enclosed check for the full amount allegedly owed. Stating : " Enclosed is a check for the alleged balance for the above-mentioned account # XXXX for {$1900.00}. 
Upon cashing this check you agree to the terms of this letter ( hereinafter contract ), the terms are as follows : 1 ). Account shall be settled as paid in full.

2 ). You agree to remove any and all derogatory reporting from all credit bureaus including but not limited to Experian, XXXX & XXXX.

3 ). All collection attempts & activities shall cease.

4 ). You agree not to sell or transfer this alleged account to another collection agency or debt collector.

5 ). If you dishonor this contract or violate its terms you agree to compensate me in the amount deemed reasonable by the court and that this agreement is a Cognitive Contract and you agree to Summary Judgment against you. 
Upon cashing this check you have 30-days to comply with the above. 
Notice to principal is notice to agent, notice to agent is notice to principal. '' On XXXX XXXX XXXX received the letter, and cashed the check on XXXX. The account has still not been removed my credit file even after XXXX XXXX received my letter/contract where it stated upon cashing the check, that they agree to the terms in the contract. I then sent another letter to them with a photocopy of the first letter/contract and the check. Stating : " Since you have cashed the check you have violated the terms of the contract by not settling the account as paid in full, and also by not removing any and all derogatory reporting from all credit bureaus including but not limited to Experian, XXXX & XXXX. By dishonoring the contract and violating the terms, you have agreed to compensate me in the amount deemed reasonable by the court, and the agreement is a XXXX XXXX, where you also agreed to Summary Judgment against you. '' On an updated report it still shows Failed to Pay.
Product: Vehicle loan or lease

I was working went to sleep woke up and XXXX XXXXXXXX XXXX stole my vehicle. Ally financial has sent a 1099c and still took my vehicle.
Product: Credit reporting or other personal consumer reports

Subject : XXXX XXXX Dispute FCRA Violation Enforcement Dear CFPB, I am submitting this complaint to enforce my rights under the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance standards. I have disputed inaccurate information on my credit report using the XXXX XXXX format, citing specific FCRA violations. The credit reporting agencies and data furnishers have failed to properly investigate and correct these inaccuracies as required by law. This non-compliance violates my rights under 15 U.S.C. 1681i ( reinvestigation of disputes ) and 15 U.S.C. 1681s-2 ( responsibilities of furnishers ). I request immediate enforcement action to ensure full compliance and the removal of all unverifiable or inaccurate information.
Product: Payday loan, title loan, or personal loan

I applied for a payday loan a while back. I am receiving threats about a warrant for my arrest. Ive told these people I can not afford to make the payment amount the company is asking for. The company is Ace loan online. I can not afford to make payments because I live paycheck to paycheck. I even asked to set up a payment plan of XXXX dollars until the full amount of the dept is paid in full.
Product: Credit card or prepaid card

I have my daughter as authorized user on my credit card and she lost the credit card last year and didnt realize it. I use card slot myself and have auto pay to make sure it is always paid on time. I have been sick since last year I have very bad XXXX XXXX in and out if hospital so the subject of the lost card come up months later when I finally went online checking bill when I finally had strength after battling covid 19 virus. Chase refuses to accept the fraud claim because we didnt report ASAP. They first asked to send proof of my daughters where abouts when the charges took place so I sent them a copy of her ezy pass showing she was over 300 miles away or so from the dates of the charges took place and they told me not enough proof are you kidding. Then I took it upon myself filled out identify theft report., they didnt care after about 8 attempts they told me send in police report I did days later I got same generic letter refused claim. I will not have my right broken or XXXX liability with solid proof I had given that it was not her charges. And when I ask for a supervisor chases freaks out and saids you tend on sueing chase snd I reaping NO I want justice. Please help XXXX m XXXX
Product: Bank account or service

US Bank rearranged transactions, causing multiple overdrafts. 
When a transaction occurred it would reduce my available balance, and show in my pending transactions. Then, a transaction that technically occurred before the pending transaction, but had not been presented until after the pending transaction, would be rearranged to be withdrawn before the pending transaction. XXXX example : Available Balance on XXXX/XXXX/16 : {$50.00} ~~ XXXX Gas Purchase : {$30.00} ( {$1.00} Presented to bank ) ~~ XXXX Purchase at grocery store : {$25.00} ( Pending-Available balance reduced ) ~~ XXXX Deposit of {$5.00} ~~ XXXX Gas purchase finally presented XXXX Transaction rearranged, so that the total gas purchase is now placed before the grocery store purchase, despite it already affecting available balance. 
There are also other examples of US Bank rearranging transactions to access overdraft fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXXXXXX  ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax 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 Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 ) 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: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$2300.00} ; XXXX  XXXX XXXX XXXX XXXX XXXX {$1400.00} ; XXXX XXXX XXXX ( XXXX creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$340.00} ; XXXX XXXX XXXX ( Original creditoXXXX XXXXXXXX XXXX XXXXXXXX XXXX TX ) XXXX Balance : {$5600.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX  TX ) XXXX Balance : {$1000.00} ; XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$4500.00} ; XXXX XXXX  ( Original creditor : XXXX XXXX. ) XXXX Balance : {$760.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$7200.00} ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX  Inquired on XX/XX/XXXX ; XXXX  XXXX  Inquired on XX/XX/XXXX ; XXXX  XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

XXXX. XXXX XXXXXX/XX/XXXX : Date : XX/XX/XXXX Issue : XXXX XXXX XX/XX/XXXX appears on my credit report. This account was fraudulently opened as a result of identity theft and does not belong to me. 
XXXX. XXXX XXXX XXXX Date Opened : XXXX, XXXX XXXX Issue : A collection account with XXXX XXXX XXXX, is listed on my credit report. This collection account was also fraudulently opened due to identity theft and should not be attributed to me. 
XXXX. 
Inquiries Related To Identity Theft XX/XX/XXXX Opened XX/XX/XXXX All these result in XXXX theft!
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. 

Account name : 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: Checking or savings account

My wallet was stolen at a XXXX 's in XXXX on XX/XX/XXXX. Within an hour, I notified XXXX Police, and my banks, including PNC Bank ( I have a debit card and checking account ). 

PNC froze the debit card and issued a new debit card with a different number, mailing it to my address. I received the new debit card several days later. 
I also submitted an online disputed transaction to dispute the charge to XXXX ( {$110.00} ) right after my wallet was stolen, before PNC could freeze the account. My account was provisionally credited with the {$110.00}. 

Several weeks later, on XX/XX/XXXX, I became aware that {$1700.00} was missing from my account. After numerous calls, emails, and in-person meetings at the PNC branch bank, I learned that someone entered the XXXX XXXX PNC bank on XX/XX/XXXX and presented my driver 's license, misrepresenting themself as me. Despite not having the correct debit card number, not matching my signature, not looking like me, and the fact that PNC knew my wallet had been stolen, PNC allowed this person to do a cash withdrawal of {$1700.00} from my bank account, effectively wiping out my account. PNC is now also charging me service charges due to a low account balance when my account balance should not be low. 

I have made repeated requests for the {$1700.00} ( and service charges ) to be returned to me promptly since this is my only account with a debit card. PNC has told me they need 30 days to investigate. The only thing that needs to be investigated is why they ignored my repeated communications that my wallet was stolen and the account needed to be monitored closely for fraud, why the bank teller egregiously breached policies and protocols and what discipline should be imposed on the bank teller and the bank. I would like my money returned ( ideally with an apology ) and to ensure that this does not happen to others, to the extent possible. 

I am also requesting that PNC cooperate with the XXXX Police Department and send all of the information about this fraud to my active police investigator, detective, XXXX - police report XXXX
Product: Credit card

Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Date Opened : XX/XX/XXXX Original Creditor : XXXX XXXX  XXXX Balance XXXX {$130.00} These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer XXXX credit report. 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 the FTC Identity Theft Criminal Complaint case number ( # XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

I received a letter on XX/XX/XXXX, stating my nordstrom credit card is closed at the end of XXXX. The letter states this is due to a low XXXX  score. The score in the letter is not correct with XXXX. The Nordstrom credit card has been active since for XXXX yrs since XXXX in good standing and is not over the limit or behind on payments. The credit card company TD Bank issued a credit increase of {$2200.00} in XX/XX/XXXX without my request. I called the credit services phone number to ask why I wasnt notified of this information and to obtain information since I am also an employee of the company, Nordstrom, for which the card is for. I was told by at least 4 different individuals that the card was either closed or will be closed end of XX/XX/XXXX and they will not stop this process. They said I can reapply in a few months after Ive paid this card off, which is not behind on payments nor over the limit. No one at the company has heard of this tactic and this is not the credit terms adhered to or provided when I was issued the card. At no point in time did I receive a change in terms stating that my credit card which is in good standing could be closed without notice for any reason. The supervisor XXXX claims there is a XXXX threshold but states there is actually not a set number when I requested he provide this information to me as Ive been a cardholder for XXXX yrs and no such information has ever been disclosed in XXXX regarding this information. He claims they truly do not have set requirements to close the account and would not give me guidance on how to stop the closure of the card. They wanted me to just pay the card off. I have informed Nordstrom that I will no longer be working for them after they have closed my card which was under the limit and paid on time for XXXX yrs, which resulted in a {$2200.00} credit limit increase 9 months ago. This seems like a cash grab by my own employer.
Product: Debt collection

XX/XX/XXXX/XX/XX/XXXX XXXX XXXX sold the debt to XXXX and I had a contract of 12 payments XXXX a month or pay off the balance before the 12 months. I finished paying XXXX   XX/XX/2019. And now XXXX XXXX just sold the debt to Midland credit again. How is these even legal? My balance XXXX. Settled. Credit file show s I owe {$2900.00}. How could they sell the debt two times? Two different companies how is this legal?
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

After reviewing my credit reports I noticed that it was an account from XXXX XXXX XXXX reporting negative on my report. I reached out to Bull City Financial Solutions , IncXXXX along with their CEO XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX on multiple occasions to get more clarification on the unknow debt, plus to figure out how they are furnishing negative remarks on my credit report without even sending me any type of written notice. 

My attempts have seem to fall on deaf ears without any proof of verification of this debt or that they followed all laws and regulations to report the account in the first place. So I am placing this complaint with your organization with the hopes that they will finally respond with the valid proof that I owe them anything and they have the legal right to be reporting this negative information on my credit report. 

The location communications were sent is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX. 
I also disputed it with the credit reporting agencies, and it seems like the odds are stacked against me because a company can say verified without any real legal proof and the credit reporting agencies just take the companies word for it.
Product: Debt collection

There is a medical collection on my credit report that I do not believe I owe. I have disputed the debt with the credit bureaus, and the only response received was that the debt met FCRA guidelines. I then sent a HIPAA request for validation of the debt to Account Resolution Services XX/XX/XXXX and I have yet to receive a response. 

I have no idea what this debt is for, and I have no knowledge of the service provider. This misreporting is hurting my credit, and the collection agency is not providing me with validation of this debt. 

Collection Agency : Account Resolution Services Provider : ARS XXXX XXXX XXXX Date of collection : XX/XX/XXXX Account Number : XXXX Amount of Debt : {$2000.00}
Product: Credit reporting 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and 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 XXXX XXXX
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 TransUnion Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) TransUnion Account # : XXXX 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 an 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 items 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 or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Credit card

My spouse is XXXX XXXX military enlisted/serving in the state of XXXX. Under LA statute XXXX XXXX, credit lenders are supposed to be capped at XXXX  %. Please adjust my account accordingly. Thank you.