23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Today I was notified for the first time by XXXX that there was a new collection account on my report. 

I attended XXXX University in XXXX and my account became delinquent in the amount of XXXX dollars on XX/XX/XXXX - I verified this today XX/XX/XXXX with the XXXX University billing office. I have a record of emails from XXXX trying to collect on this debt as far back as XX/XX/XXXX ( this is included ). 
In XX/XX/XXXX, XXXX University referred my account to Key 2 Recovery ( XXXX XXXX XXXX XXXX XXXX, OH XXXX ) for collections. Today, XX/XX/XXXX, Key 2 Recovery reported my account " date opened '' as XX/XX/XXXX, when they were given the account, not when it became delinquent - this is called " re-aging debt '' and I believe it to be illegal in this situation. I have paid nothing on this debt, have not and do not admit ownership, have not entered into any arrangement whatsoever with any entity concerning this debt. 
I called Key 2 Recovery today to inquire about the debt and the date of birth they provided as the debt owners did not match mine. Then I notified the debt collection representative about the false information being reported, she told me it wasn't her problem. When I told her that yes it was, that they were required to report accurate information she hung up on me. I called back and spoke to another representative whom I requested validation of the dates from and was simply told it was referred to their office XX/XX/XXXX, I was not given the delinquency date by any Key 2 Recovery representative today. 
The account information reported to XXXX is incorrect, incomplete, and it is COMPLETELY unethical that they would report unverified information. 

Along with this complaint I am reporting the FCRA violation with Louisiana Attorney General XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX inquiry on credit report not mine
Product: Bank account or service

I have been attempting to close out an underperforming Roth IRA account with PNC and transfer funds to another institution for over 30 days. I initiated the transaction at a PNC branch and followed the instructions that were provided by an investment banker at the PNC branch. About XXXX weeks after completing this transaction as instructed by the investment banker at the branch, I received, in the mail, a notice that PNC was not able to complete the transfer. The package provided did not include clear instructions and a number of the forms included were completely illegible ( examples attached ). I called in to PNC customer service on XXXX and was directed to XXXX XXXX, who identified himself as an IRA consultant. He was somewhat verbally abusive and refused any help beyond recommending that I complete the identical process again. I believe that being denied access to my funds, provided with illegible forms to sign and being provided no clear reason for denying me my funds to be an unfair practice on PNC 's part.
Product: Money transfer, virtual currency, or money service

Hello XXXX months ago, my account was frozen by paxful This happened when I wanted to withdraw my money from the site as an etherium. 
I received an error when I requested the withdrawal. The text of the error was : The transaction was canceled due to sending money to the risky wallet address. 
After this incident, my account was frozen. During these seven months, I informed the site support many times and asked them to solve my problem. But each time, they just told me to wait, your account is being checked. 
I feel like they are scammers. Because checking an account does not take more than a week.
Product: Debt collection

I recently applied for a home loan and was denied do to fraudulent activities. I have never applied for XXXX or have used this phone carrier. I have recently tried to dispute this directly with the bureaus and asked for an Itemized bill, they verified as accurate. This is not fair to me because in fact the information is inaccurate. I have been dealing with identity theft since XX/XX/XXXX. My name is very common and all these items on my credit report have affected my life negatively. I am unable to apply for Personal loans, Credit cards, Car loans, Phone services or even a Home loan. I called XXXX XX/XX/XXXX to provide them with a police report number XXXX that I filed with Officer XXXX. I have also had issues with the IRS because of this. Somebody else is using my SSN and/or there's a mistake when these companies are adding them to my report and there not checking for the correct SSN & DOB and just applying it to the first person they come across with my exact name.
Product: Credit reporting or other personal consumer reports

I've been trying to remove it for years. They won't prove it. NOw that I'm trying to use my credit to buy a house, car, and get a credit card. During the time when I did have my card, my securities performed but XXXX didn't perform. There's no need to be so greedy. They also report my information to XXXX XXXX XXXX which I NEVER gave them permission ....
Product: Credit reporting

I have been a victim of identity theft and my report has been shared without my approval.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX I found two unauthorized Hard inquiries on my credit repot 1 dated XX/XX/XXXX XXXX XXXX - I did not authorize 2 dated XX/XX/XXXX XXXX XXXX  -I was told it would not appear as hard inquiry. I was ordering XXXX security monitoring? why a hard inquiry? I am very upset
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed disputes with XXXX, XXXX and Experian regarding my report and inquiries that I did not approve. 

There is an inquiry from XXXX/XXXX  on XX/XX/XXXX with XXXX  that I did not initiate or approve. I do not even do business with XXXX often enough to even justify a credit application. I can not contact their credit department either. 

There are 2 inquiries on my XXXX  report from XXXX XXXX and from XXXX on XX/XX/XXXX that I also did not authorize. Then 2 inquiries on XXXX on XX/XX/XXXX from XXXX  and XXXX XXXX XXXX that I also did not authorize. Then on Experian there was one from XXXX/XXXX  XXXX XXXX that I did not authorize. I communicated this with them and they have done nothing about these issues. I was informed of ONE credit inquiry and it turned out to be SIX inquiries which has caused so many issues. 

I have a current account with XXXX XXXX XXXX  and was told they could increase my credit amount but was not informed of the inquiry that took place on XX/XX/XXXX with XXXX. I am a long standing customer and should have been informed of the correct process. Please remove. 

There is an inquiry from XXXX on XX/XX/XXXX that I did not authorize. I have no reason to have ever applied with XXXX as I live in an area where their service is not offered. Please remove. 

There is also a fraudulent account reporting to my XXXX from XXXX ... I have never done business with that company nor did I approve them to have access to my information so that is 100 % fraudulent. Please remove.
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. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 


If you claim this account is 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove this account from my file. XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), creditors are required to provide proper notification before reporting negative marks to the credit bureaus. However, I never received any such notice before this account was marked as late payment. 

I request that you : 1. Provide written proof that the creditor notified me before reporting this negative mark. 
2. change status of incorrectly reported late payments immediately if the creditor fails to prove compliance.
Product: Credit reporting or other personal consumer reports

I have written XXXX several times to remove this late payment off my account Account # XXXX XXXX  XXXX  Account # XXXX Late Payment XXXX Hard Inquiry ( TransUnion  ) XXXX XXXX XXXX XXXX Account # XXXX {$5200.00} Old Addresses XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX ( XXXX ) Hard Inquiry XXXX XXXX XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this XXXX complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX FUNDING ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against the three major credit bureaus XXXX, XXXX XXXX TransUnion for violations of consumer protection laws regarding the reporting of charge-off accounts on my credit reports. 

I have encountered multipl instances where collection agencies have placed charge-off accounts on my consumer report without providin validation information, as required by 12 CFR 1006.34 ( b ) ( 5 ). Despite my requests for validation, the collection agencies have faile to provide this information, yet the charge-offs have been reported on my credit reports, negatively impacting my creditworthiness.

Furthermore, I have not ben given a fair opportunity to dispute these accounts, as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). The credit bureaus have failed to provide me with the necessary information and procedures to dispute the inaccuracies on my credit reports, depriving me of my rights under federal consumer protection laws. 

Additionally, the collection agencies have engaged in deceptive practices by using false, misleading, and misrepresented information to report these charge-off accounts on my credit reports. This behavior violates my consumer rights and undermines the integrity of the credit reporting system. 

It is evident that the collection agencies have furnished accounts to the credit bureaus without providing the required disclosures, as outlined in 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). This clear violation of federal law has resulted in inaccurate and damaging information being reported on my credit reports, with no opportunity for recourse or correction.

Furthermore, I would like to bring to your attention that the charge-off account from XXXX XXXX XXXX applied to my credit report is inaccurate information. XXXX XXXX XXXX has a history of engaging in illegal and deceptive practices, as evidenced by the lawsuit filed against them in XXXX XXXX XXXX XXXX XXXX  XXXX employees illegally applied for and enrolled consumers in credit card accounts without their knowledge or authorization, misusing sensitive customer information in the process. This is not the first time XXXX XXXX XXXXXXXX has faced enforcement actions for illegal activities in its consumer business, including unlawful garnishments and botched disbursement of state unemployment benefits. 

I respectfully request that the Consumer Financial Protection Bureau investigate these violations and take appropriate action to ensure that the credit bureaus comply with federal consumer protection laws. I also request that the inaccuracies and violations on my credit reports be promptly addressed and corrected in accordance with the law.I am demanding that a resolution is reached within 15 days of this complaint. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue.
Product: Checking or savings account

Hi, I had fraud committed against my account several times in XXXX and XXXX and Citibank did work with me to retrieve the funds. I received a notice on XX/XX/XXXX that my account would be closed on XX/XX/XXXX due to exceeding my monthly electronic transfers between my savings and checking accounts. I contacted Citibank and explained that I was doing this out of fear of having fraud committed against my checking account so I was keeping my finds in my saving account until needed and then I would transfer to my checking account. They understood this and confirmed that my account would not be closed due to this and they notated the account. They did not have a confirmation number for m since they do not do that. Two weeks ago I was advised out of the blue that my account is frozen and will be closed in XXXX. Nothing would come in or out of my account. Unfortunately my paycheck of $ XXXX was already sent to Citi for XX/XX/XXXX and Citi advised it would be returned. This was never returned and on XX/XX/XXXX I noticed it in my account but I can not withdrawal or transfer it out. I can not touch these funds I need very badly and Citibank continues to give me no or false information and says I will need to wait 30-69 days for a check. They are holding these funds illegally and should not have accepting them in the first place. They sent a letter on XXXX that said I could go to a branch ( very hard to find in my area due to COVID-19 and get a check issued to me there for my funds ... .I went to XXXX XXXX , NJ and they contacted Citi 's Fraud unit who locked the account and the manager ( whose name I was not provided or number ) advised the personal banker that he could not issue my funds and I had to wait for the process and gave no timeframe. I have no money and a family ... .I live paycheck to paycheck. Other items are bouncing and my credit affected. This needs to be resolved immediately I don't even have gas money. I was most recently told by Citi to open a new checking account so I can transfer the funds to it at a branch. I opened the account XX/XX/XXXX and plan to find another branch ( far away I am sure ) tomorrow but someone at Citibank Customer Service told me that was bad information and it would not work. All I get is wrong information and simply want my money ; I have done nothing wrong. Please assist. XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX  Account Number:XXXX Account Name : XXXX  Account Number:XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX  Account NumberXXXX has violated my rights. Or a list of inquiries : 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: Student loan

MOHELA transferred all loans to a new platform recently and lost everyones history of payments. In the payment history tab, all payments before the transfer are missing. People have reached out to MOHELA about this and they keep saying they will post them after the transition but the timeline they gave was XX/XX/year> and it is now XXXX. I was enrolled in the auto payment plan on the previous portal and was assured it would carry over. When it didnt, I re-enrolled and got email confirmation that it was received. Two months later, I get an email that I am late on payments and my interest has now collected more money because they didnt use my auto-payment. Calling them takes hours to get a representative. Just a total mess of a loan servicer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please investigate these inquiries as they were inserted on my credit report without my authorization. I called XXXX to ask why my credit was pulled without my authorazation and I was told that It's nothing that can be done by law It say that All information reporting should be 100 % accuarate and these inquries is not. Thanks again
Product: Mortgage

On going loss mitigation negotiations. Specifically, met plaintiff 's XXXX short payoff demand. Provided proof of funds. Plaintiff 's servicer Faye Servicing has not been attentive in processing the XXXX 's XXXX short payoff transaction that has been pending several weeks before the scheduled foreclosure sale. 


FORECLOSURE CASE NUMBER XXXX FLORIDA XXXX LENDER PHONE NUMBER XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

1. The debt collector is illegally reporting data that is beyond the statue of limitations and is time barred. 
2. The debt collector stated that I never called in however stated I requested a investigation. Also I will be attaching a screenshot of my call to the debt collector when a representative told me that the debt was pass the statue of limitations so technically they could not report. 
3. I will be requesting the recording of that call that took placeXX/XX/XXXXXXXX 4. Not to mention this is debt that has been written off by the original creditor and resold and reported meaning it has affected my credit score twice doe the same debt.
Product: Debt collection

A debt was owed to Bank of America in the amount of {$4800.00}. There was a company called XXXX XXXX XXXX XXXX that collected payments for the debt since XXXX of XXXX. I made payments until XX/XX/XXXX where the balance owed was then {$2200.00}. 

I could not make further payments when attempted on XX/XX/XXXX, as my account was locked to login and could not make an online payment. I was not notified of any further collections. 

In XXXX of XXXX, I began to have garnishments taken from my checks. I was never notified of the action that was going to be taken and my employer sent me the documentation sent to them. 
There was a writ of execution sent with a balance of {$2200.00} stating XXXX XXXX XXXX XXXX was the company collecting on behalf of Bank of America and was confirmed this was the same debt from before. 
There was another writ of execution sent because I was told by XXXX XXXX XXXX that the previous one expired. 
However, this had a new balance of {$5200.00}, and there has been no explanation after several calls and emails between XXXX XXXX XXXX and XXXX XXXX XXXX why this balance had changed. 
The amount garnished was a total of {$4100.00}. 
XXXX XXXX stated they sent {$940.00} to XXXX XXXX XXXX between XXXX of XXXX. And another amount of {$2400.00} from XXXX XX/XX/XXXX On XX/XX/XXXX, the garnishment was released, however I am owed a refund for the excess funds that were taken. 
I have been over garnished for the amount I owed by {$1800.00}. 
When I have reached out to XXXX XXXX XXXX by email, the attorney has stated the debt has been paid in full and there is nothing more I can do unless I wanted to seek out further legal help.
Product: Debt collection

I requested that WF CRD SVC provide debt validation for account XXXX that was opened XXXXXXXX XXXX XXXX and they keep reporting my account as charged off but they refuse to send me the contract, or update the credit bureaus.
Product: Credit reporting or other personal consumer reports

hello, since the new year i see this same account XXXX XXXX. this account has been taking off several year ago. i called them and they tell me to contact the bureau so im tiered of doing this every year with them. so i look up the law that would help me .15 U.S. Code 1681a
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a hard inquiry on my credit report via XXXX from : Institution Information KOHLS/CAPONE XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX I tried contacting the insurer of the card which is Capital One. 

They did not find any account opened from that but I would like the inquiry gone. 

They were unable to help with that
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to file a formal complaint against XXXX and Fortiva regarding a series of issues that have negatively impacted my financial standing and credit report. 

Background of the Issue : I was forced into a loan agreement with Fortiva by XXXX as part of a transaction for services/products. Despite my clear reluctance and objections, I was pressured into accepting this loan. Subsequently, I set up autopay for my Fortiva account to ensure timely payments. 

Details of the Complaint : Forced Loan Agreement : I was coerced into a loan agreement with Fortiva by XXXX under conditions that were not fully transparent or fair. I believe this practice to be unethical and potentially illegal. 

XXXX XXXX XXXX : Despite having set up autopay for my Fortiva account, a technical error on their part resulted in a missed payment. This error was entirely outside of my control. 

Incorrect XXXX XXXX XXXX : As a result of the technical error, Fortiva has reported a late payment to the credit reporting agencies. I do not have any outstanding balance with Fortiva, and this late payment is incorrect and unjustified. 

Violation of XXXX XXXX XXXX Standards : The reported late payment by Fortiva does not comply with XXXX XXXX reporting standards, which mandate accurate, complete, and verifiable information. This incorrect reporting is damaging my XXXX XXXX and overall creditworthiness. 

Actions Requested : I request a thorough investigation into the forced loan agreement initiated by XXXX and the subsequent handling of my account by Fortiva. 

I seek the immediate removal of the incorrect late payment from my credit report by Fortiva. 

I request that Fortiva be held accountable for their technical error and for reporting inaccurate information to the credit reporting agencies. 

I urge the CFPB to enforce compliance with XXXX XXXX reporting standards to ensure that no other consumers are adversely affected by similar practices. 


Thank you for your prompt attention to this matter. I look forward to your assistance in resolving these issues and correcting the inaccuracies on my credit report. 

Sincerely, XXXX XXXX