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

I AM VICTIM OF IDENTITY THEFT. MY IDENTIFICATION CARD AND SOCIAL SECURITY CARD HAS BEEN COMPROMISED MULTIPLE TIMES AND THESE ACCOUNTS ARE THE RESULT OF THIS IDENTITY THEFT AND FRAUDULENT ACCOUNTS. I RECENTLY PULLED MY XXXX, XXXX  AND XXXX  CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX, XXXX  AND XXXX  AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.
Product: Credit card

I have sent you the information to the fraud department compliance on my account is in tact. 

You should be receiving a lawsuit from me as soon as next week for your failure to comply with the FCRA causing me to lose over XXXX due to negligence of reporting on a credit card that is fraudulent. 

Failure to comply with the FCRA is a serious violation of the law.
Product: Debt collection

XX/XX/XXXX I received a. Call from my brother stating that someone called him stating that they were going to sue me If I do not contact them. This was the 1st time I heard about the debt. I called the Texas phone number given and a lady answered stating she was with Meridian ARG. She said that I owed {$860.00} to XXXX XXXX. I asked for more information and asked why I didnt not receive any type of written information. I told her I do not have any accounts with XXXXXXXX XXXX nor do I recall ever banking with them. She could not provide me with the dates of this debt. I told her I would need written proof of the debt before I would be willing to resolve the issue. I also told her I am currently out of state at a 5hour time difference so I would contact her once I got true verification of the debt to get it resolved. She provided me with the number to XXXXXXXX XXXX and the account number. I called XXXXXXXX XXXX the same day and spoke with a customer service representative who gave me a number for the collection department. She told me I had an account in XX/XX/XXXXto amount with fees that were owed was {$530.00} and that the account was sent to a collection agency that went out of business. She also told me to verify the business due to the debt being wrote off with them and the agency not existing ( this was all on a recorded line ). I then received a call and voicemail from the lady with XXXX XXXX at XXXX stating that i have failed to voluntarily rectify and will be served to appear in court in a state I Am not in, however if I call I can stop the process. I pulled my credit as well as it was not on any report. 
They have yet to provide me with any proof of my obligation or of their validity as a company.
Product: Debt collection

I am being called by XXXX XXXX, who's original creditor they work for is Synchrony Bank. This collection agency " XXXX XXXX '' is the definition of harassment. I am being contacted 3 - 5 times per day, at all hours of the day. You can not reliably block their IP phones because if you block a number, they simply modify the number from their set list and contact you again. 

I have asked many times for them to quit contacting me as I am already debating litigation against the original doctor that the quarrel/financing is about. If they wish to pursue legal action, I encourage them to do so, but I will not tolerate being called all the time, every day, by spoofed numbers. I would very much like to request consumer finance to help me look into this on behalf of myself and my family residence. Not everyone can immediately pay things that another entity claims they are owed, especially when litigation may be potentially involved. This does not mean we should have to deal with harassment every day, either. It's just the way of the world.
Product: Credit reporting, credit repair services, or other personal consumer reports

I initially sent out dispute letters XX/XX/XXXX to the 3 major credit reporting agencies in order to correct erroneous marks on my credit file. After the investigation period was complete, a lot of the items came back as verified on my XXXX and Experian report, all derogatory items that I disputed were dropped from my Transunion credit report due to the fact that they could not be properly verified but again, remained on my XXXX and experian. Im also aware that these reporting agencies MUST by law, conduct a thorough investigation on their own and can not merely parrot or use what an original creditor or collector says as means for verification, they also may not use XXXX to verify. So I am requesting that the following items which remain on my XXXX and experian credit file be removed immediately. 

XXXX & Experian Collections : XXXX XXXX Balance : {$780.00} Opened : XX/XX/XXXX XXXX XXXX Balance : {$450.00} Opened : XX/XX/XXXX XXXX XXXX XXXX Balance : {$75.00} Closed/ Charged Off Accounts : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX {$450.00} XXXX Balance : {$5000.00} ( Balance is incorrect )
Product: Mortgage

I sold a home on XXXX XXXX. The mortgage was with PNC Bank they tell me the sent a check for the return of my escrow deposits for taxes and insurance on XXXX XXXX. Only problem is I have not received the refund what I have received is numerous mail from congratulating me for paying off the loan to my final escrow statement which was mailed to me on XXXX XXXX. They are giving me the run around as to why I have not yet received the check returning to me the escrow balance. I have called numerous times and can not get an answer for when to expect to receive my money back. PNC has made numerous promises of which non come to pass. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I noticed an unauthorized hard inquiry attributed to XXXX XXXX, which I do not recognize. I promptly contacted the credit bureaus to dispute these inquiries and requested their removal ; however, they have refused to take action on my behalf. This situation is causing me significant stress and negatively impacting my financial standing. Additionally, I did authorize XXXX XXXX, but it appears as a duplicate account on my report. I kindly request this entry be corrected to reflect the accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act my rights have been violated.

15 USC 1681 i have the right to privacy and did not give ( XXXX, XXXX, & tranunion to furnish these accounts. 

Reporting inaccuracy reporting Attachment proofs for all accounts Dept of educationXXXX amount {$1800.00} Is reporting a late payment on XXXX This account is updated /exceptional payment history on all other accounts Please investigate Update or delete XXXX amount {$3200.00} Reporting inaccurate information Please investigate send documents Update or delete XXXX XXXX XXXX XXXX XXXX$890.00} Reporting inaccurate on XXXXXXXX XXXX XXXXXXXX Investigate account inaccuracy Need final bill and sign agreement request Update or delete XXXX XXXX XXXX amount {$2100.00} Reporting inaccurate information on XXXX & XXXX Please investigate send final bill and sign agreement request Update or delete XXXX XXXX  Reporting inaccurate on all three bureaus please investigate this account Send any signed agreement from company Update or delete XXXX XXXX XXXXXXXX XXXX XXXX on all three bureaus Please investigate this account Send any signed agreement from company Update or delete XXXX XXXX XXXX Account reporting inaccurate information Payments Please investigate this account Send any signed agreement from company Update or delete Inquiries 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

I had a prepaid service plan with XXXX. When I cancelled my plan, I received a notice from a debt collector ( never from XXXX ) indicating that I owed {$93.00} on my account. I asked Amsher debt collection to provide an itemized bill showing me how it's possible I could owe money on a prepaid account, and they never provided me with documentation. This debt collection was removed from my XXXX credit report for lack of evidence, but when I requested for XXXX to correct this wrongful debt collection, the response was automated in such a way as to not allow for me to explain the circumstances, and not only was the derogatory remark NOT removed, but Amsher debt collection then updated the derogatory remark to show that I did not pay the wrongful debt in XXXX rather than the initial wrongful debt collection which was back in about XXXX.
Product: Credit card

I am a college student with little knowledge of credit cards or loans. I was sent a credit card with my name on it in the mail that I did not apply for and Im afraid that my identity had been stolen. The card was a debit Visa card from NetSpend. I tried to contact the company but was unable to get someone in the phone.I have also received many letters from banks that my applications for loans have been denied that I also did not apply for. A few months ago I froze my credit and filed a fraud report so i dont know what else to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST LETTER TO REMOVE INACCURATE INFORMATION NOT VERIFY ADDRESS ALL ACCOUNTS WERE OPEN FRAUDULENT YOU ARE BEING PUT ON NOTICE TO WHOM MAY CONCERN Please accept this formal letter as my request to investigate and remove derogatory accounts/ items from my consumer report. Going over my report I have found it has errors it has come to my attention that you are reporting what I believe inaccurate data which I dispute in this letter is a appeal for your assistance as a consumer reporting agency 15 U.S.C 1681 a ( f ) you are governed by the fair reporting act ( FCRA ) 15 USC 1681, et seq..which protects consumers from inaccurate outdated or invalidated information reporting of their consumer file The FCRA states its the consumer reporting Agency responsibility to insure that all information contained within consumer files is accurate and free from errors your company is regularly engaged in the business of assembling evaluating and disbursing information concerning consumers for the purpose of furnishing consumer reports as defined in 15 USC 1681 a ( d ) to third parties According to federal law you are required to comply with the requirements under FCRA 15 USC 1681 et seq..including but not limited to 1. Follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report as required by 15 USC 1681a ( b ) this section imposes a high and often disregarded standard on consumer reporting agencies see, e.g., Burke V. XXXX  info sols., ink., XXXX WL1085874 at *4 ( E.D Va XXXX ) Breaking down the requirements of 1681 e ( b ). And explaining that assure mean to make sure of certain : put beyond doubt maximum means the greats in quantity or highest degree attainable and possible means something falling within the Bounds of what may be done accur or be conceived quoting XXXX  third new international dictionary 133. 1396,1771 ( XXXX ) ) : 2. Comply with the investigation requirements are required by 15 USC 1681 3. Should not provide consumer file to companies without determining that these companies had a permissible purpose to abstain consumer file pursuant to 15 USC 1681b 4. Provide consumer file pursuant to 15 USC 1681g 5. et seq.. 

XXXX XXXXXXXX XXXX XXXX XXXX- account # XXXX
Product: Credit reporting or other personal consumer reports

THEY ARE CONTINUING TO REPORT THESE FRAUDULENT ACCOUNTS ON MY CREDIT REPORT EVEN AFTER BEING NOTIFIED AND SHOWING PROOF THESE ACCOUNTS WERE DONE FRAUDULENTLY.
Product: Money transfer, virtual currency, or money service

I created a personal PayPal account in XXXX which I used to make small purchases through XXXX for things like gifts for friends. Somehow when I created the account, my address was accidentally listed in XXXX, even though my street and city were clearly U.S. based XXXX XXXX XXXX XXXX XXXX XXXX XXXX. As far as Ive been able to tell, there is no such street address in XXXX. PayPal never raised with me that this problem existed nor that it needed to be corrected, until my account was unexpectedly closed. There is over {$2000.00} in the account which I can not access and PayPal never gave me any opportunity to prove myself. I do not live in XXXX, Ive never lived in XXXX, I dont speak XXXX, nor do I use PayPal for business. Yet here I am with $ XXXX trapped in an account I can not access. The account was permanently limited/aka closed after I used PayPal during the process of selling my wedding dress. I decided to sell my wedding dress using XXXX to raise some extra money, and XXXX requires sellers to pay buyers through PayPal. My dress was a bit expensive, which is why the resale transaction was for ~ {$2000.00}. I of course had no idea that I had any issues with PayPal so I shipped the dress the morning I was paid ( XX/XX/XXXX ) and uploaded a tracking number to PayPal. The dress was delivered on ( XX/XX/XXXX ). On XX/XX/XXXX, I went on vacation so I did not realize my account had been permanently limited until going through my personal to-dos on my way home. Im now out my wedding dress ( something very important to me and something I now sorely regret ever trying to sell ) and {$2000.00}! PayPal also collected a 5.3 % fee on this transaction, in addition to locking up my funds. Ive informed PayPal I can provide whatever they need to verify my identity, my country of residence and the legitimacy of my transaction, but theyve told me there is nothing their team can do. Theyve advised me to call their XXXX team, but I do not speak XXXX and the number I called said it can not be reached. PayPal makes money by exchanging and storing money, and here, theyve taken my money ( on which Im sure theyre earning interest ), charged me a pretty hefty fee, and made me spend ages on the phone with people who ( 1 ) have treated me like Im doing criminal business and ( 2 ) allege they can do nothing to help me, all without giving me any way of proving myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer, I have encountered inaccurate and misleading information on my credit reports, which has resulted in significant harm to my financial well-being. I believe that these credit reporting agencies have violated the provisions outlined in the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681 ( a ) ( 2 ).

The specific violation involves the failure of credit reporting agencies to provide accurate and complete information about my credit history, resulting in the misrepresentation of my creditworthiness to potential lenders, employers, and other entities that rely on credit reports for decision-making purposes. I have diligently monitored my credit reports and found multiple instances where outdated, incorrect, or unverified information has been reported, thereby undermining my ability to access credit and obtain favorable terms.

According to 15 USC 1681 ( a ) ( 2 ), credit reporting agencies are required to maintain reasonable procedures to ensure maximum possible accuracy of the information contained in consumer reports. Furthermore, they must conduct a reasonable investigation within 30 days of receiving a dispute regarding the accuracy of any information on a consumer 's credit report. However, the credit reporting agencies in question have failed to fulfill these obligations, thereby violating my rights as a consumer. 

I have made multiple attempts to dispute and rectify these inaccuracies directly with the credit reporting agencies. However, their responses have been unsatisfactory, often providing generic and unhelpful explanations without conducting thorough investigations or taking appropriate corrective actions. These actions not only harm my financial reputation but also undermine the integrity and reliability of the credit reporting system. 

Considering these circumstances, I kindly request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter thoroughly and take appropriate actions against the credit reporting agencies involved. I believe that enforcement actions, penalties, and the implementation of stringent compliance measures are necessary to ensure that credit reporting agencies comply with the requirements of XXXX XXXX XXXX ( a ) ( XXXX ) and safeguard the rights of consumers. 


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Product: Credit reporting or other personal consumer reports

I am writing to formally express my concern and dissatisfaction regarding fraudulent activity on my XXXX XXXX account. Despite my efforts to ensure the security of my account, I have noticed unauthorized transactions that I did not make, approve, or authorize. 
I am requesting a thorough investigation into these transactions, which appear to compromise the integrity of my account. Additionally, I ask for a swift resolution, including the reversal of the unauthorized charges and the implementation of measures to prevent further breaches.
Product: Credit card

I have an open credit card with citi that had a revolving balance. I received marketing material to take a loan against the balance at a fixed interest rate and term. I accepted the offer and received the money. 

When I tried to pay the loan balance off early, Citi refused and said that all extra payments had to go to the higher interest rate account first, and only after the higher balance, higher interest rate balance was paid off could I then pay off the lower interest rate account. 

This is not covered in the loan terms and conditions. This loan has its own account number and payment terms. Citi is engaged in a bait and switch tactic by withholding this payment information from consumers during the loan process and in their marketing material. If the loan has its own terms and conditions and its own account number, then I should be able to pay it off early without respect to the balance on the master revolving credit account. 

Had I known I could not pay it off before the higher interest card balance was paid off first I would have never taken the loan against my line of credit. It is forcing me to pay much more in interest on both lines of credit than I would otherwise pay. 

I contacted them multiple times for proof that I agreed to these terms at the time I took a loan against my credit card and all they did was refer me to their website ( which is not proof that I agreed to these terms in a paper mailed offer ). Eventually they said they would provide proof but they never did. There is no proof. I am being swindled.
Product: Vehicle loan or lease

I feel I was pushed into this car loan when the dealer was well aware that I couldnt afford it. Ive tried getting extensions with them Ive been denied. Ive asked for a copy of my contract and they wont provide it. The payments are extremely high and so is the interest rate. XXXX XXXX down on this loan with no relief
Product: Checking or savings account

I called M & T and asked if my mom sent a wire transfer ( donation ) to my business account, would I receive immediately. 

XXXX at the XXXX XXXX  answered yes and was sure of it. So mom transferred the money. It was money I needed to also pay my clients from a fundraiser and they expected it asap.

When I tried to withdraw funds, the bank only let me get a little out. So I called on and off for 3 days straight and the bank stopped allowing me to withdraw the funds and I went to the branch and they told me I couldnt get out my own money. At this point my clients and staff were not happy because they didnt get money owed to them. 

For days I was on hold with no answers. Then the branch, XXXX said I can only allow you to take out $ XXXX. 

I asked why and they would not inform me. My clients grew more unhappy and staff as well but mainly My clients. 


Finally I was told my account was shut down, debit card deleted and that M & T no longer wanted to do business with me. I asked why and they said they didnt know or couldnt say. I asked to please have my money. They refused. It has been over one week, and still no access and no account. 

This is hurting my clientele and my business.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have advised Experian on several occasions that the information being reported on my credit file is inaccurate and may be a result in an error and/or identity theft. The following address ( es ) do not belong to me XXXX XXXX, XXXX XXXX. The XXXX XXXX XXXX XXXX XXXX XXXX account does not belong to me. Experian has yet to prove how they received this inaccurate information and have not corrected the information following my proof that the information is inaccurate. Please help me get this matter resolved.
Product: Debt collection

I have already made a complaint with the company Caine & Weiner each time they take it off my credit report then put it back on with a new date trying to pass this collection off as new debt on my credit report I do not owe money to this company nor have I ever signed any contract with them. This is not my debt nor do I owe money to the company they say I do. Please have this removed from my credit report and please make sure they dont add it back like hey have been doing every time I make a report. They are reporting false allegations towards me with wrong dates and amounts to a company I do not owe money to
Product: Debt collection

My husband and I had credit cards through First National Bank of Omaha in XXXX and XXXX. They were paid off with a consolidation loan though XXXX dated XX/XX/XXXX. Also thorough a consolidation loan through XXXX XXXX, which was subsequently paid off with the XXXX loan. I received a judgment from XXXX XXXX XXXX XXXX for my credit card stating that the cards were never paid. We have the loan documents from XXXX that state that payments of {$480.00} and {$1200.00} were sent to First National Bank of Omaha to pay off the accounts. My husband 's checks are now being garnished for just over {$400.00} each month and at least once every year our bank accounts are garnished taking every penny we have for a debt that was paid in XXXX. I tried to get the documentation from XXXX to show what that loan was used to pay and how much because I know some of it was used towards one of these credit cards. They stated that since it was over 7 years ago they no longer have that paperwork and can not provide me with any documentation that there was ever a loan in the first place ... aside from a paper showing my payment history on the loan. My account has been garnished repeatedly as well as my children 's savings accounts because my name is on them.
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. 

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, 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.