23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I would like to report the XXXX transactions made from Wells Fargo to XXXX  XXXX XXXX. It was cyber-scammed and have filed a case with the FBI ( XXXX ), FTC, XXXX, Law Enforcement ( Sheriff office ) and respective banks where I initiated the wires. Kindly request you to monitor and revoke/take necessary actions and will be helpful in recovering the funds, if possible. 

XX/XX/year> - XXXX XXXX XXXX - {$25000.00} - XXXX  # XXXX Complaint ID : XXXX / XXXX XX/XX/year> - XXXX XXXX XXXX - {$25000.00} - XXXX  # XXXX Complaint ID : XXXX / XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding inaccuracies and violations in my credit report as provided by Experian. These issues involve medical account information and missing or unverified data points, violating the Fair Credit Reporting Act ( FCRA ) and other applicable laws. 

Specific Items in Dispute : XXXX. XXXXXXXX XXXX XXXX XXXXXXXX XXXX Reported with missing or inconsistent data across bureaus. 
Missing telephone number, activity date, and past due amount across different reporting agencies. 
Inconsistent reporting of derogatory account status, account balance, and payment history. 

Issues Identified : Inconsistent Reporting : Data is reported inconsistently across different credit bureaus, violating the 5th point of the Metro 2 compliance standards. 
Unverified Data : Failure to provide a substantiated and valid itemized statement for the medical collection account, as required by the FCRA and FDCPA. 
Lack of Supporting Documentation : No evidence of validation from the creditor regarding the accuracy and timeliness of the reported late payments and collection status. 

Requested Resolution : 1. Immediate removal or correction of all disputed items, including the XXXX XXXX XXXXXXXX medical collection. 
2. Provide documentation verifying the accuracy and compliance of the reported data, including the evidence used to substantiate the reported late payments.

3. Substantiate all claims and provide a full description of the procedures followed during your investigation, in accordance with FCRA 611 ( a ) ( 7 ).

Impact : These inaccuracies have caused significant harm, including negative impacts on my credit score, denials of credit, and higher interest rates.

I request a response within 15 days. If the requested information is not provided or the disputed items are not corrected, I will consider further legal action.
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or 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: Credit reporting, credit repair services, or other personal consumer reports

Around the end of XX/XX/XXXX, I was checking my credit report on XXXX XXXX and it stated that my chances of getting a XXXX XXXX Credit Card was fair. I went to XXXX XXXX website to apply for the card and received a pop up with a preapproval message. I applied for the card and was told that I was approved and would receive a {$1000.00} credit limit. On XX/XX/XXXX, I received a confirmation email that my new XXXX XXXX Credit card was on the way and thanks for being a new customer. When I received the card a few days later, I tried to activate it and was informed by the customer service rep that they were having a problem with the preapproval code, being that it was for one particular person and it was being investigated. They told me that it was error with XXXX XXXX 's system and that they would get my information and have someone call me back to verify my account and get the card activated within a few days. No one ever called so I called back and was told that the account was closed due to the system error and that I was welcomed to reapply. I did not want to reapply. I told them that because of their system I got a message saying that I was preapproved which lead to me applying for the card. I have requested that they remove the inquiry on my report because it is unfair to me to have it reporting on my credit report due to an error on their behalf. The reps refused to remove this inquiry, therefore it is affecting my credit report in a negative manner. XXXX XXXX should either honor the preapproval amount and activate the card or remove the inquiry from my report. Consumers should not be held responsible for errors on their behalf.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
The accounts below have violated my rights. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX I looked at my TRANSUNION credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 they are supposed to 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 inaccuracy.
Product: Mortgage

I want to remove the XXXX which I am qualified to do because of the value/remaining balance on my loan. 

PNC continues to deny this because they say I have a HUB loan, when all of my paperwork says FHA. They resent what they say the have on file but it appears to be missing signatures. 

I went through an approved forbearance due to temporary unemployment and just before I began repayment I was forced to pay a balloon payment and resign a paper allowing them to increase my agreed FHA interest rate. I signed the paper under destress because I thought they could just take my house. I researched later and now know that was not the case. I feel a victim of fraud. 

I have attached all of the paperwork sent to me by PNC.
Product: Consumer Loan

While attempting to pay a loan for {$300.00}, from an online lending agency. Every payday I am charged {$80.00} with nothing going to the principle of the loan, I have been getting charged for 4 months, and the amount I owe is {$290.00}, from {$300.00} loan. The employees of the agency are hard to understand when asking for information due to a language barrier. Unfair Billing Practices.
Product: Mortgage

I submitted a request for an FHA case number transfer from Loan Depot over to XXXX XXXX. Loan Depot then told XXXX XXXX that I did not want to move forward which was a lie and I feel that this company thinks they are to big to be wrong. I am just trying to refinance my home with XXXX and Loan Depot is not allowing this to happen after a number of requests.
Product: Debt collection

i was a minor living with my mother not workin and attending school i turned XXXX and was told by apartment complex that i had to be added to the lease now my mother broke her lease and was charged XXXX dollars in her name i'm now XXXX and haven't been living with her since i turned XXXX i went to an apartment to sign my very first lease and was denied cause the debt of my mother is now stuck on my name as well for the same exact amount of XXXX dollars i should not be responsible for a debt that belong to my mother if i was the one who who initiated the debt i would of been obliged to pay it but i was a minor in school and i never initiated that debt i shouldn't be hindered by her negligence
Product: Debt or credit management

Subject : Complaint Against National Credit System Regarding Incorrect Debt Amount Dear CFPB, I am writing to file a formal complaint against National Credit System regarding a debt they have reported on my credit report for {$1900.00}, which I believe to be incorrect. I previously sent a validation letter to National Credit System requesting clarification and documentation regarding this debt. My requests included the following : 1. A copy of the original assignment contract or documentation proving that National Credit System has been assigned this debt by the original creditor. 
2. Proof of their permissible purpose under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, for obtaining and reporting my credit information. 
3. A detailed breakdown of the debt, including the original amount, interest, fees, and other charges. 
4. Any evidence of my consent or agreement to the terms of the debt, such as the original signed contract. 

To date, I have not received adequate or accurate information addressing these concerns. Furthermore, the {$1900.00} amount reported on my credit report does not align with my records or understanding of any valid debt. 

When I contacted National Credit System to discuss these discrepancies, I spoke with two representatives, XXXX and XXXX. Unfortunately, both were unprofessional and dismissive. XXXX, in particular, made a highly unprofessional comment, telling me to stay off of XXXX and implying I did not understand my rights. This behavior was not only disrespectful but also unacceptable in any customer service interaction. 

I respectfully request that your office investigate National Credit Systems practices, including their reporting of this debt and their compliance with consumer protection laws. Additionally, I urge you to review the conduct of their representatives to ensure they are held accountable for their unprofessional behavior. 

Thank you for your attention to this matter. Please do not hesitate to contact me for additional details or documentation. I look forward to your response and assistance in resolving this issue. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

unauthorized/fraud credit inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX GMFinancial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX and so on
Product: Debt collection

Harassment and abuse after an account was already deleted by them. This is breaking the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive circled the errors in red, circled errors in yellow also. Sent copies to all 3 bureaus and the CFPB. Nothing is corrected, ever. This has been like this for 2 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX CA XXXX ; XXXX XXXXXXXX Balance : {$11000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is XXXX CFPB Compliant on XXXX for Inaccurate Reporting. Refer to CFPB Complaints - XXXX XXXX XXXX 

I was an victim of identity theft. I did file Identity Theft Report with FTC, Report # XXXX and also a Police Report with XXXX XXXX XXXX, Report # XXXX. This information along with a copy of my Drivers License and SSN was sent to XXXX through USPS Certified Mail, Tracking # XXXX and XXXX. The same information submitted by certified mail was also uploaded online through XXXX  Dispute portal. 

I have spoken to several XXXX Membership Team members as well. Even after several attempts to get the inaccurate information which is a result of identity theft to be removed, XXXX Membership Team nor the Fraud Department did not take any action nor provided any evidence. XXXX IS REPORTING BUSINESS ACCOUNT ON MY PERSONAL PROFILE, this account is a result of identity theft. 

I need to refinance my home, due to this inaccurate information reporting, my mortgage got denied. This inaccurate reporting is a result of identity theft. I am also attaching the documentation to this report. 

1. FTC Identity Theft Report 2. Police Report 3. XXXX Bank statement which clearly states this is a business account.
Product: Checking or savings account

On XX/XX/2022 an individual was able to walk up to a teller in XXXX, MI and withdraw {$3000.00} from my checking account. I live in California and clearly did not make this withdrawal. Bank of America is claiming that they have up to 90 days to give me my money back. This is creating a financial hardship and I don't understand why they can't just look at the security video for the day and time the crime occurred and determine that it wasn't me. I filed a police report with the XXXX police. Either the teller is incompetent or they were in on the scam. In either case I should not be the one who has to wait to get the funds back. The bank is insured for these types of issues and it should not have to hold my money while they investigate. After 30 days they have been unable to provide any status on what they have been able to learn. That is totally unacceptable. 

I have missed time at work trying to deal with their mistake and have spent over 24 hours being on hold and being transferred to multiple people over multiple days. I also have an issue with a bill pay request that was pending during this issue when I had to create a new account. They also owe me {$140.00} for pulling the funds twice, once from my new account and again from my old account.
Product: Bank account or service

On XXXX/XXXX/XXXX I faxed XXXX affidavits regarding XXXX unauthorized debits to my Suntrust savings account. 
I also called Suntrust on XXXX/XXXX/XXXX regarding XXXX unauthorized checks debited from my savings account and was provided with XXXX case numbers. On XXXX/XXXX/XXXX I received 2 letters informing me of credits to my savings account from XXXX of the unauthorized checks. On XXXX/XXXX/XXXX I took the XXXX affidavits that were mailed to me to a Suntrust branch to have them witnessed, notarized, and interoffice-mailed from the branch. On XXXX/XXXX/XXXX my savings account was credited for the XXXX checks associated with the XXXX affidavits. 
The remaining check amount of over {$2000.00} has not yet been credited back to my account. I never received an affidavit for this claim made by me on XXXX/XXXX/XXXX. I have called Suntrust fraud department 8 times between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX regarding the status of the remaining claim. On 6 of those calls I was told that the claim is still in process, that the case would be escalate, that I would be contacted by phone or email with 72 biz day hours, and on at least one of those calls I was told that an affidavit was not required at that time. I have not been contacted by Suntrust by any method regarding this final claim. On my last call today ( the first call was dropped after being put on hold ) after I advised the associate that I would report this situation to CFPB, the media, and/or upper management, I was advised that an affidavit would be sent regarding the claim.
Product: Debt collection

I AM A VICTIM OF IDENTITY, THE FOLLOWING ACCOUNT WAS FRAUDULENTLY OPENED IN MY NAME : XXXX  ACCT # XXXX THIS ACCOUNT WAS PREV IOUSLY INVETSIGATED AND REMOVED THEY SOLD IT TO ANOTHER COLLECTION AGENCY. 

CREDITORS OR COLLECTION AGENCIES IF THEY TRY TO RE AGE YOUR ACCOUNT BY UPDATIND THE DATE OF YOUR LAST ACTIVITY ON YOUR CREDIT REPORT WITH THE HOPES OF KEEPING NEGATINE INFORMATION ON YOUR ACOUNT LONGER.
Product: Credit reporting, credit repair services, or other personal consumer reports

So as of late 2018 ive been trying to get further information on a erroneous collection account that was placed on my credit file by XXXX  and Transunion.The company is XXXX XXXX XXXX XXXX with a balance of $ XXXX.This account was also posted to XXXX but has since been removed.I have written Transunion and XXXX  several times as well as the creditor, requesting all documents for the above account and neither have done so. Both credit bureaus have violated the FCRA section 601 ( a ) ( 1 ) ( a ) as well as section section 623 of the FCRA, and has since then refused to remove account from my credit file. XXXX  has removed this account from my credit file but Transunion and XXXX have failed to do so. After many letters and phone calls to the credit bureaus letting them know this is not my account, I wrote them asking for there Method of verification I received the response 30 plus days later, but the Bureaus are required to respond within 15 days when there is a request of ( Mov ) and I was sent back a phone number with no company name and no other details.The above account is also missing information witch is also relative to the FCRA. Transunion and XXXX   are not conducting proper investigations into this matter. Ive also hired an Attorney to help me thru my legal matters with XXXXXXXX XXXX audit as well as Transunion and XXXX
Product: Credit card or prepaid card

I received an email from XXXX on XX/XX/2020 about a Netspend card that was mailed to me. I never requested this card, so I thought it might be a scam email. I ignored it. 

On XXXX, I received another email saying, " XXXX, a couple of weeks ago we sent you the Netspend Prepaid Mastercard you requested, but we noticed it hasn't been activated yet. '' I never requested this card, so I tried to call the company to inquiry about it. 

At the bottom of the email, I see fine print saying, " This message is an advertisement. '' If it is an advertisement, there is no way I could have requested it. The company is lying to me and gaslighting me into thinking I opened an account. 

When I called to inquire, I needed the 16 digits on the card to close the account. No card was ever sent to me, so not only did this company open an account in my name, but they also will not let me close it.
Product: Debt collection

The company has not sent a validation letter. tried disputing it several times and it keeps getting denied I asked for a payment history the amount of the debt. I requested a validation letter, the days of the original amount and name of of the original contract, legal proof that they have the right to collect this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed complaint XXXX on or around XXXX XX/XX/2022 indicating that the XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ) had supplied TransUnion with invalid/unverifiable/inaccurate information for a credit card account and a line of credit ( revolving student loan ). TransUnion has been made aware that the data furnisher violated Regulation Z and Regulation F, the FCBA, the FDCPA, the FCRA, and the ADA. TransUnion received a copy of the complaint I sent to the office of my state 's attorney general and the US Attorney 's Office for my district, which cites the specific state and federal law violations. Yet, having received those complaints and the copious documentation supplied, some of which includes documents from the data furniser acknowledging repeated system failure that caused months of no delivery of electronic statements OR paper statements, TransUnion has persisted in the invalid/incomplete information claiming the data furnisher " verified '' the accuracy of the information, stating : " In response to your request, the following actions were taken on your credit file : You disputed the following accounts and/or public records on your credit file. Below includes the results of that investigation. XXXX XXXX XXXX XXXX XXXX AS REPORTED ( XXXX ) '' I Included documents with complaint XXXX ( screenshots ) showing the data furnisher 's system indicating not only XXXX ( XXXX ) access to paper statements and electronics statements, but the records showing I had XXXX ( XXXX ) accounts for the periods in the data furnisher supplied TransUnion with information regarding late payment history and charge-off. TransUnion is persisting data that indicates I failed to pay on an account through charge-off, when TransUnion has the documentation from the data furnisher indicating the furnisher DID NOT bill me, allegedly fixed the problem, only for the probelm to return, causing the accounts to subsequently be charged-off. Based on a preponderance of the evidence supplied to TransUnion in complaint XXXX, TransUnion knows , or SHOULD know, ( should have reasonable suspicion to believe based upon documentation supplied ) that the information supplied by the data-furnisher is incorrect. Yet, TransUnion persists the invalid and/or unverifiable information. With just the statement here I have cause to sue TransUnion. Instead, am requesting this matter to be resolved using this CFPB process.