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

15 USC 1681 602 states that i have the right to privacy.

15 USC 1681 604 A section 2 : it also states that a consumer rights furnish an account without my written authorization or instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card an open-end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX  XXXX XXXX {$3100.00} XX/XX/XXXX XXXX  XXXX XXXX {$510.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX {$980.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX {$4700.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX {$590.00} XX/XX/XXXX XXXX XXXX  XXXX {$940.00} XX/XX/XXXX 2020
Product: Checking or savings account

My Grandmother is XXXX and in assisted living. My father is her financial power of attorney and has access to her three bank accounts to handle her financial affairs and cover her living costs as she is no longer able to do so. All three of her accounts were with PNC Bank, two checking accounts and one savings account. She receives her monthly social security check to her savings account monthly. This monthly income is used for her assisted living expenses. PNC bank WITHOUT notice closed her savings account in XX/XX/2020. We had received her XX/XX/2020 statement and there was monthly activity, the most recent being on XX/XX/2020. We have tried to reach out to PNC and get an answer as to why her account was closed. We were unable to get through to a person that could give us a clear answer or help set up a new savings or help us connect her social security to one of her checking accounts so she may receive her monthly direct deposit. This is not the first issue we have had dealing with PNC bank. A few years ago we used their business banking for our family 's small business and due to their extreme lack of care for anything other than deducting monthly fees from our accounts we closed our business accounts and have tried to have minimal contact with them. I have contacted PNC through their XXXX page and again received zero assistance for their mistake regarding the closed savings account. Their XXXX  page is riddled with complaints from their customers and their responses show a severe lack of accountability. Personally I feel terrible for the employees that are forced to be on the front lines handling these customer complaints when it is the institution of PNC bank itself that is the problem. Their policies and practices show they only exist to charge over the top fees and use their customer 's money to invest in the stock market. They show such an extreme lack of regard for their customers and doing the right thing in general I'm shocked anyone would choose to use them for any type of banking needs. I was hesitant to file a complaint since in PNC 's view my grandmother 's account is chump change and probably not worth their time. However, my grandmother desperately needs her social security to meets her monthly expense needs and is unable to defend herself or navigate opening a new account. PNC needs to be held accountable for their actions.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Date XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX RE : Stop all debt collection calls & notices and communication Amsher Collection service Reference number : XXXX This letter is in response to all letters, emails, phone calls, or any other medium of communication like via credit report where Ive received notices from your organization. In accordance with the fair debt collection practices act, specifically 15U.S.C. code 1692c this is my formal declaration to terminate and cease all communication from your organization in regard to the debt you are attempting to collect. In response to this cease communication letter and in accordance with the federal Fair Debt Collection Act, you may only contact me to inform me that there will be no further collection efforts, or to notify me that a specific action will take place. 
If this alleged debt belongs to me, then provide the Validation of debt agreement that speaks on my behalf. IN accordance with 15 usc 1692g please send me a detailed list of the history of payments I have made on this account. I also want to witness the wet signature that Ive signed on official contract documents guarantee that I would pay this creditor or your agency. I am also requesting proof that there have been any insurance claims filed or found on this debt, and lastly, I will request proof you have the chain of title to collect on this debt. 
Please be advised that I am well aware of my rights and know that any further contact by you or your company, except a communication confirming your acknowledgement of this letter is in violation of the Fair Debt Collections Practices Act. In addition, any third party that you use to coerce the collection of this debt shall also be in violation of the federal Law.

If you do not cease communication, a lawsuit will be filed against you. 
This letter has been sent certified mail with return receipt and shall be presented to any court of proper jurisdiction if communication continues. 
Sincerely XXXX XXXX Email : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In the course of my student loan many companies have been involved, I believe that one of them hav not reported my account properly. And showed that I have been late in the past. Have never be late since my payments were made by my former employer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried numerous times to communicate with Citicards CBNA regarding a listing on my credit report that is not mine to no avail. They continue to report a {$21000.00} balance to my bureaus of which I know is not mine. They refuse to send me copies of signed credit agreement or purchases.
Product: Credit reporting, credit repair services, or other personal consumer reports

i got account an inquiries that are inaccurate and need to be removed from my report asap!
Product: Credit reporting or other personal consumer reports

Subject : Dispute and Request for Removal of Fraudulent Charge-Off Accounts from Experian Credit Report Dear Sir/Madam, I am writing to file a formal complaint and request the immediate removal of fraudulent charge-off accounts from my Experian credit report. As a victim of identity theft, I have been subjected to unauthorized accounts and transactions that have adversely affected my credit standing. In accordance with the Fair Credit Reporting Act ( FCRA ) and Experian 's policies, these fraudulent entries must be removed to ensure the accuracy and integrity of my credit report. 

The details of the fraudulent accounts are as follows : XXXX. XXXX XXXX Number : XXXX - Balance : {$5900.00} - Balance Updated : XX/XX/XXXX - Credit Limit : {$5000.00} - Account Status : Closed - Date Opened : XX/XX/XXXX - Account Type : Credit Card XXXX. XXXX XXXX Number : XXXX - Balance : {$1300.00} - Balance Updated : XX/XX/XXXX - Credit Limit : {$1000.00} - Account Status : Closed - Date Opened : XX/XX/XXXX - Account Type : Credit Card XXXX XXXX XXXX XXXX XXXX XXXX Number : XXXX - Balance : {$16000.00} - Balance Updated : XX/XX/XXXX - Credit Limit : {$15000.00} - Account Status : Closed - Date Opened : XX/XX/XXXX - Account Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Number : XXXX - Balance : {$21000.00} - Balance Updated : XX/XX/XXXX - Credit Limit : {$20000.00} - Account Status : Closed - Date Opened : XX/XX/XXXX - Account Type : Credit Card This information is the result of identity theft and does not accurately reflect my credit history. I have also taken steps to have these accounts suppressed by XXXX XXXX XXXX, where they were deemed unverifiable. I have attached a copy of the identity theft report filed with the Federal Trade Commission ( FTC ), as well as the documentation from XXXX, for your reference. 

Under the FCRA, consumers are entitled to dispute any inaccurate information on their credit reports and to request its removal if proven to be fraudulent. Despite my previous attempts to resolve this matter directly with Experian, these fraudulent charge-off accounts continue to appear on my credit report, causing significant harm to my financial reputation. 

In light of the above, I kindly request the CFPB to intervene and ensure that Experian promptly investigates these disputed accounts and removes them from my credit report. I have attached copies of my identity theft report filed with the Federal Trade Commission ( FTC ), police reports, and any other relevant documentation to substantiate my claim. 

I trust that the CFPB will take swift and appropriate action to rectify this issue, ensuring that my credit report is accurate and reflects only legitimate transactions. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM STILL HAVING A PROBLEM WITH EXPERIAN BOOST AND OTHER REPORTING ISSUES. I HAVE MADE MY XXXX XXXX PAYMENT TO QUALIFY FOR THE BOOST TO INCREASE WHICH IT HAS INCREASED.. HOWEVER EXPERIAN BOOST AGAIN DID NOT REFLECT MY PAYMENT TO INCREASE MY FICO SCORE AGAIN. I ALSO HAVE SETTLED 1 ACCOUNT IN FULL. XXXX XXXX  FOR XXXX ON XX/XX/20 AND EXPERIAN REFUSES TO UPDTE MY ACCOUNT.
Product: Mortgage

My house was a robo signed mortgage, among other things that wasn't legit. Fraud. I  keep going back a forth with wells forgo. about this loan. they just telling me they haven't got to the bottom of this yet. they send me paperwork of some documents, but it don't say anything about them making up fraudulent docs beforehand to make it legit, because I still have my originals and other docs. They still haven't told me anything concerning the fraud. Only thing is we looking into it. Known the other company don't want to here nothing. They just want that money. They told me that they don't got nothing to do with that. Just sir your loan was transferred. How you gon na make the payments. that bank or lender is XXXX XXXX XXXX XXXX. Thats right wells forgo said. I can keep my bank account I believe til the end of the year, before they start charting me. looks like its fighting time in court.
Product: Checking or savings account

My name is XXXX XXXX XXXX and I'm a XXXX  XXXX XXXXr with the XXXX XXXX XXXX XXXX. I'm elderly and XXXX, currently my daughter is XXXX XXXX  and has been or may be using and opening accounts my account to funnel large amount of life insurance in my account. I am asking that any account in my name and social security number XXXX be closed immediately and all final balances be send to the address above. Thanks!! 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$1700.00} XXXX XXXX XXXX Balance Owed : {$810.00} XXXX XXXX XXXX Balance Owed : {$280.00} XXXX XXXX Balance Owed : {$40.00} XXXXXXXX XXXX XXXX XXXX Balance Owed : {$880.00} XXXX XXXXXXXX Balance Owed : {$1200.00} XXXX XXXX XXXXXXXX Balance Owed : {$140.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX Account : XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above. Someone from the executive level needs to contact me asap before forwarding to my attorney for litigation.
Product: Money transfer, virtual currency, or money service

I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. I consent to publishing this description after the CFPB has taken these steps.

Publishing this description will not affect how the CFPB handles your complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is third time I have reported this issue with Experian disputing the fraudulent account with XXXX  XXXX. 

On XX/XX/21, I sent a dispute letter to Experian via certified mail. In the letter, I requested to see the source of the information which is the original contract that contains my signature per FCRA section 609. 

On XX/XX/21, Experian informed the disputed was completed. Once again they electronically verified the fraudulent account. They only updated the balance date and nothing else. Per Section 609, Experian didn't provide me with the source documents or the original contract. 

To date, XXXX XXXXXXXX has not located the original contract to provide on XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Date of Birth : XX/XX/year> Last 4 SS # : XXXX Credit Reporting Agency : XXXX XXXX Transunion Account name : XXXXXXXX XXXX XXXXXXXX I received a copy of my credit report. To my surprise, the credit reporting agencies are reporting this account incorrectly. This account is not only being reported as XXXX, but also shows a past due balance of {$250.00}. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account remove upon completion. 

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

I recently reviewed my credit report. I have expressed my concerns with the related credit agencies. I would like my personal information to reflect my full name, my current address, my most recent phone number ( ( XXXX ) XXXX ), and only my current employer ( XXXX XXXX XXXX ).
Product: Credit reporting or other personal consumer reports

Thank you for your assistance in addressing some of the fraudulent information on my credit file. However, there remain unresolved inaccuracies that must be removed. In accordance with FCRA Section 605, you are legally obligated to remove any inaccurate records. I have previously submitted the relevant documentation, which I am enclosing once again for your reference. Please be advised that my attorney is fully apprised of the situation and prepared to hold you accountable for any further non-compliance. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/scrub>XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$24000.00} XXXX XX/XX/year> XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card

I ordered a hotel room but when I went to check in they never made a reservation for me and said that there was no room available.
Product: Credit card

I opened a card with XXXX XXXX a while ago and never received a card for it. I never knew why. I made a purchase for clothing on their website a few weeks ago, ( see attached documents ) and the shipping address was pulled from their database. IT is an address that I moved from in XXXX, with a phone number I have never used. I did not realize this until the clothing failed to deliver to my home, which is weird because they have delivered items to my current address before this. I contacted them when I did not receive anything in the mail, and the customer service agent and I discussed the issue and she and I discovered the address was incorrect. She noted that I never got a card in the mail and said the cards had been sent to this old address as well. This would explain man issues with this company in the past. She had me open a request for a refund telling me that the refund would process within XXXX  days or so, and then placed a reorder for the items and repay for the order with another credit card. She emailed me the link to open the refund request and the receipts for the new order which is all attached in the documentation. Later the same day I received a rejection notice for the refund of the original items that I ordered and never received. I called and got the run around and after being on hold and told the claims department has this answer and put on hold again. I believe I spoke with XXXX the floor lead, and she forwarded me to the claims department, XXXX who was very nice but unable to refund the money. 

I finally decided to submit a complaint as I just want my original amount refunded, and I'm sick of wasting my time and getting the runaround.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attempts to get company to cooperate in proper investigation and removal has been unsuccessful. 
A write off / charge off is reported as gross income to the IRS. 
This company is reporting gross Income to all credit reporting agencies as debt. 
Gross income does not get reported on a consumer report. 
This makes the reporting of this account inaccurate.
Product: Mortgage

I negotiated a loan modification for my home loan in XX/XX/XXXX. Nationstar is the servicing lender. I have made full payments under the modification agreement from the beginning. Nationstar has at times refused my payments, charged unauthorized fees without explanation, damaged my payment history and placed me in a position of possible default. They have insisted on phone consultations regarding these matters. Beginning with the XX/XX/XXXX payment I began to make my payments only with certified funds delivered to them by certified mail to establish a legal record of my communication with them. In prior phone consultations their representatives made statements that were not true and Nationstar followed up with charges, fees, misapplication of payments and other actions not authorized under the modification agreement. Available by request are 1 ) the modification agreement ; 2 ) XX/XX/XXXX cover letter with payment ; and 3 ) XX/XX/XXXX letter with payment. I request any assistance with this matter that you can offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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
Product: Debt collection

A debt validation letter was sent to Midland Credit Management on XX/XX/year>. This document was sent to the Company through certified by the U.S. Postal Service and was confirmed to be delivered to the Company mailing address on XX/XX/year> @ XXXX. It is now XX/XX/XXXX three months later and I have yet to receive a response from Midland Credit in regards to the debt validation request.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention multiple inaccuracies and fraudulent activities on my credit report, which have severely impacted my financial well-being and livelihood. I have already contacted the credit bureaus involved but have not received satisfactory resolution. Therefore, I am seeking the intervention of the CFPB to ensure that these errors are corrected as per the Fair Credit Reporting Act ( FCRA ). 

Fraudulent and Inaccurate Accounts : There are accounts listed on my credit report that I did not open or authorize. These accounts are fraudulent and need to be removed immediately. 

Late Payments : My credit report shows late payments that are incorrect. These inaccuracies are affecting my credit score and my ability to secure loans or other lines of credit. 

Incorrect Addresses : The report lists addresses where I have never resided. This incorrect information needs to be updated to reflect my actual residential history. 

Collections Account : There is an account listed as being in collections that I dispute. This account is illegally showing on my credit report and must be removed. 

These errors have had a tangible impact on my life. Specifically, I was unable to secure a performance bond for a project due to the inaccurate information on my credit report. This has resulted in a loss of {$30000.00} and has jeopardized my professional reputation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time and I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX  XXXX {$220.00} XXXX   XXXX {$2700.00} XXXX  XXXX {$2700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later i have not received a response yet. I feel like i'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person
Product: Credit reporting or other personal consumer reports

I recall on this day XX/XX/year> an account that contains a serious error. 
I am denied access to accounts of a valid state ID. My father ( XXXX, VA ), mother ( XXXX ), & grandfather 's ( ) are ( XXXX XXXX  ) " XXXX '' who burned cross without a US clear XXXX  birth-given name bracket [ ] of XXXX  in state of California , USA . By error ; my application is stored as full name matching an illiterate person of US history abbreviated form XXXX. as account XXXX. when I own & provided with application a valid clear creole three letter first name of XXXX  in state of CA.