23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC XXXX regarding the account that do not belong to me. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my consumer report, I have discovered that there are inaccurate information and discrepancies in the reported accounts. 

Equifax : 1. Under 15 USC 1692g. Validation of debts XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 


XXXX : 1. Under 15 USC 1692g. Validation of debts XXXX XXXX XXXXXXXX XXXX Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe I am a victim of fraud perpetrated by XXXX XXXX XXXX  ( dba XXXX XXXX XXXX XXXX and XXXX XXXX ) and supported by Equifax Credit reporting. 

Specifically, I am being held accountable for an account that is not mine, and they have refused to provide me with any substantive information on such as a promissory note. I have never had a student loan account with this company, yet they are reporting me to the credit bureaus since XX/XX/XXXX and have harassed me for six years. 

For six years, they have called, sent letters, etc., but have failed to take any legal action or provide me with any official account paperwork. I have requested over this six year period that they leave me alone, but they have ignored me. To this end, for six years I have requested official signed verification from them, and they have ignored me. Moreover, each time I have called XXXX, they require that I provide my SSN and DOB before they even assist me. There is an account number listed on the correspondence they have sent me, but they claim that their own account number is invalid. For years I refused to give them any information, but on XX/XX/XXXX, after I learned they were reporting me to at least one of the credit bureaus, I gave them my SSN and DOB because I wanted assistance. They in turn used this information that I gave them to report the account to Equifax! Even after I gave them my SSN and DOB, they still would not give the promissory note, but demanded that I dispute the account on their website. 

When I learned they were reporting to the credit bureaus, I disputed the account. Equifax claimed the account was verified on XX/XX/XXXX with only a SSN and DOBthe very information that I gave XXXX when I called for assistance one week earlier! Upon speaking with the supervisor, XXXX, on XX/XX/XXXX, she confirmed that they only verify with a SSN and DOB and do not require a promissory note or a signed contract. She refused to assist me further and stated that I should call XXXX for further verification such a promissory note! 

I do not know where to go next. XXXX will not give me any official documentation on this account and Equifax is upholding their practices. Both companies have shifted the burden to me to prove that this account is not mine and I have nothing to show because I have never contracted with them. On the other hand, I believe that XXXX has a responsibility to provide me with documentation showing that I am responsible. Moreover, Equifax has a duty to report accurate information which they have also failed to do because they used only the information that I provided to XXXX verify the account! 

Please investigate the practices of these companies. My credit is being damaged, and moreover, the companies are abusing their power to trick, harm, harass, and take advantage of consumers.
Product: Credit reporting or other personal consumer reports

I requested a dispute due to inaccurate reporting, did not receive any results.
Product: Mortgage

I applied and received a mortgage with PNC in XX/XX/2017. I was told I HAD to have an escrow account with PNC. My first concern about PNC occurred when I had issues with my house insurance. I had received letters from my insurance company that the insurance payment was due. First I paid the insurance and then I contacted PNC. PNC advised me PNC would sent the payment via regular US mail. The insurance company finally received PNC 's payment. Then the insurance company sent my payment back. I am used to making electronic payments before the due date. I believe PNC should do the same. To me this issue was scary. And it really annoyed me when PNC explained there was a 1 month grace period so I had nothing to worry about. 

My new issue occurred in XXXX and it is how PNC collects my escrow. PNC overcharged me {$1100.00} in escrow and sent me a check. In my opinion, PNC had an interest free loan. Then PNC is going to increase my escrow account. So I contacted PNC and requested that they apply the check to my escrow account which will lower my escrow payment. PNC said no. 

It bothers me that I had to pay my insurance and escrow PNC 's way. PNC 's business model makes gives them an interest free loan. To me there is no incentive to be fair to the mortgagee.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXX is XX/XX/XXXX I was recently banking with Citibank so I had a checking and savings account with them but I also had XXXX XXXX XXXX  so I transferred two XXXX dollars withdrawals from my XXXX XXXX XXXX  to Citibank which made that XXXX dollars on the XXXX of XXXX so it wasnt never available too me in Citibank but I seen that they took it out my account for XXXX XXXX so I called numerous times about this. The first call they said it will be ready on the 4th so I waited till the XX/XX/XXXX still nothing, the second call they said its ready in your balance its available to you now thats after the XXXX I called again told them no money was available to me my account has been locked I cant get in it or see anything so they open my account then thats when I told XXXX XXXX about whats going on they said call Citibank tell them to release my funds back to them so I did.But Citibank never did that so I opened up a investigation with XXXX XXXX to help get my money back they did a full investigation found out that everything came back like I said they took my own money but wont release it to me but the couldnt help me get it back because they said Citibank has closed your account now.so I calls agin they said we gon na send you a check rite away you should have it in a few days so I waited nothing then I calls back they tells me I dont have no money here and hangs up the phone.so I tried filing a complaint with bbb bureau didnt get no response I tried filing a complain with DATCP nothing happened they caused me suffer distress I got ta eviction notice I couldnt pay none of my bills and I told them this they didnt care at all, so now Im just hurt not knowing what to do Im just trying all I can to get my money back Im on social security SSA benefits Im begging you too please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with and applied for a forbearance with XXXX XXXX  on XX/XX/XXXX. due to COVID related difficulties still dealing with and having troubling gathering my mortgage payments, but have not been late on any payments as of yet. Now comes XXXX and they report a late payment on my credit report after me disputing it XXXX times with documentation of the forbearance and they refuse to make any corrections. I have had nothing but issues every time I try to contact this company and they consistently lie about their services and things there say they will process. I'm at a loss at what to do at this point, so hopefully the CFPB will be able to intervene and get something solved in this matter. Once I realized I needed assistance I applied for assistance through the Indiana XXXX and they approved my request and informed freedom mortgage they were going to assist me on XX/XX/XXXX. I was able to make all payments on time even though in a forbearance without being 30 days late until that date remind you, the they started getting payment from the Indiana XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

According 15 USC 1681b ( a ) ( 2 ) I did not give this company any written instruction to check my report. Please send me proof with my written permission with my signature stating that I gave you permission to obtain my consumer report/credit file. company name : BRCLYSBANKDE/ Dates : XX/XX/XXXX and XX/XX/XXXX. 

Remove immediately, this is in violation of the FCRA
Product: Debt collection

I am filing this complaint against Discover Bank, represented by XXXX XXXX XXXX XXXX, related to an ongoing lawsuit for an alleged debt, which was the subject of previous CFPB complaints ( XXXX and XXXX ) in XX/XX/XXXX. These complaints addressed Discover Bank 's failure to provide necessary documentation to validate the alleged debt. 

Despite my requests for debt validation, Discover Bank, through XXXX XXXX XXXX XXXX, filed a lawsuit on XX/XX/XXXX, without my knowledge and while the debt validation request was still pending. This was before their response to CFPB complaint number XXXX on XX/XX/XXXX, which was my first indication of the lawsuit when Discover Bank mentioned it in their response.

In a court filing on XX/XX/XXXX, XXXX XXXX XXXX claimed that on XX/XX/XXXX, I evaded service, an assertion I categorically deny. This claim of evasion of service is particularly concerning as it could have led to a summary judgment against me based on false information. A copy of the documents filed by XXXX XXXX XXXX  is attached, unfortunately I have yet to receive a copy of the case information from either party and can not provide at this time. 

I am concerned about the potential violation of fair debt collection practices and request a thorough investigation into these actions by Discover Bank and XXXX XXXX XXXX XXXX. The opposition noting the evasion of service is attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice, it is a fact, affiant is aware, transactions authorized by my credit card, and credit card is defined in both FCRA and has the same as the definition in TILA as any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Thus making my social security card a credit card. This account was authorized by my social security card, a credit card and therefore must be excluded from my consumer report. This reported information published on my consumer report shown in Exhibit A for XXXX XXXX Account number XXXX. This is a violation of 15 U.S. Code 1681a ( 2 ) ( B ) and must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this bankruptcy with each bureau which has used some type of excuse or explanation to go around removing this inaccurate information from my credit report, disregarding the fact that I documentation from the Bankruptcy Court stating they didnt verify this court record with any third party. 
My letter of verification comes from the court directly listed. 
Your information is coming from a third party and not the actual court listed. No re investigation is needed due to you fail to provide accurate information from the source listed in the last 30days. 


Also there is no way I can be a resident residing at XXXX XXXX in XXXX, Tn you stated as verified in XXXX XXXX and filing a bankruptcy in XXXX, Tn in XXXX XXXX .you must be a resident of the city. so your information is mismatched .my last 4 of ssn could be the same of a similar individual because you did not use my full social as you stated. 
Please stop stalling to remove this bankruptcy before attorney XXXX XXXX is notified to file a lawsuit against all credit bureaus and third parties for listing information the court states on letterhead they have not verified
Product: Credit reporting or other personal consumer reports

According to XXXX, the company LexisNexis has validated inaccurate information on my credit file even after sending me documents stating the opposite. Either XXXX is reporting inaccurate information on my credit file knowingly and misrepresenting LexisNexis as the source of information/verification or LexisNexis has misled me. I have contacted both of these companies and tried to resolve this matter. LexisNexis has been very cooperative and responsive to me but the other not so much.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of certain information contained in my credit report as provided by your agency. This letter serves as my tenth formal dispute under the provisions of the fair credit reporting act ( 15 U.S.C. & 1681 ). I believe these inaccuracies XXXX be linked to the XXXX data breach, which compromised my personal information. I have enclosed copies of ( supporting documents such as a statement, A FTC report, and verification of my identity that substantiate my claim. Please investigate this matter thoroughly. Correct the disputed information, and provide me with a revised copy of my credit report. Under the FCRA, you are required to investigate my dispute within 30 days or receipt of this letter, Notify the furnisher of the disputed information promptly and provided me with the results of your investigation and corrected credit report if changes are made. If the investigation does not resolve my dispute, I request that you include a statement of my dispute in my credit file and in future reports provided to others. Thank you for your prompt attention to this matter.
Product: Debt collection

On XX/XX/2019, I received a letter from AR Resources saying I owed a medical debt. The letter states the original balance is {$160.00} and a collection fee of {$46.00}, for a total of {$210.00}. 
First, AR Resources is a medical debt collection company and barred from collecting fees and/or interest *unless* agreed upon in a contract by both the consumer and the provider. No agreement with the original provider was made ( XXXX XXXX XXXX XXXX ). I request a full breakdown of what these fees are ( i.e. late fee and/or interest ). As such, I dispute the validity of these fees. 

Second, the letter from AR Resources includes a breakdown of the services my Daughter ( XXXX XXXX ) received at XXXX XXXX XXXX XXXX. This breakdown alleges that our insurance company was billed ; however, they *never* billed our insurance. As a result, these charges are what a person would pay " out of pocket '' when they do not have insurance. Had the claim actually been submitted, our medical insurance company would have reduced those charges based upon the contracted rate with XXXX XXXX. As such, I dispute the validity of these charges. 

Third, AR Resources is violating the FDCPA, wherein a debt collector must include the statement that the consumer has the right to dispute the validity of the debt within 30 days. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I ahave asked the bureau to removed inaccurate information from my credit report that includes personal information, accounts and collections. I have asked bureau to produce original contract with signature stating that I guaranteed to pay debt or collection and they have not provided that to me. 

XXXX XXXX XXXX  {$25.00} ( fraudulent, not mine ) - XXXX : {$9800.00} ( fraudulent, not mine ) - XXXX XXXX {$6600.00} ( Fraudulent ) - XXXX XXXX {$9800.00} ( Fraudulent ) - XXXX : {$930.00} ( Fraudulent ) - XXXX  XXXX XXXX {$10000.00} ( Fraudulent ) All inquiries are not attached to no account, please delete. 

Personal information is inaccurate, old addresses need to be deleted b/c of attachment to identity theft/fraud
Product: Debt collection

On XX/XX/2023 I send out a certified letter to validation this debt from Jtm management Its Now XX/XX/2023 its also past XXXX days. They did receive the letter on XX/XX/2023 and it was signed They never verified the debt. I will call the company and it keep going to company voicemail and left voicemails But Im being harsh with phone calls from this company. Everytime I dispute this account its always updated thats it verify. Will also attach the letter I sent to them to fill out to verify and also the certified receipt. This account was paid in full and I never had any late payments or negative history on this account. This account shouldnt have went to collection and it shouldnt be saying charge off. The resolution to the company is to : To remove this debt off my credit report With all three credit bureau XXXX, XXXX, XXXX For not verifying debt within 30 days and for harassing me. will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your offices are able to provide the proper documentation as requested in the following.
Product: Checking or savings account

Claim # XXXX Citizens bank is actively getting there representative to misfile claims. The rep added on charges I was not disputing. This claim should only include XXXX  XXXX XXXX transaction on XX/XX/XXXX ( XXXX for XXXX and XXXX ) where my card was stolen and used on some one else pos device! I have also filed a police report for this but my claim was denied with no explanation. I was told my representative numerous times that I will be getting my money back or a provision credit due to my loss. Please check the recordings from yall representative where they stated it looks likes your getting your money back next week I did not authorize these charges please issue my funds back to me and correct my claim to only show these XXXX  charges being disputed. I will be also filing more complaints for this scam yall are running please also reverse my overdraft fees I literally get my direct deposit to this account And now have missed out on a lot of my funds due to matter!
Product: Credit reporting or other personal consumer reports

I have checked my credit report and noticed numerous billing errors. The late payments are inconsistent with my regular payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I wrote a letter requesting verification for items on my credit report that are inaccurate. To this date, I have yet to receive verification, a response from the companies, nor a removal of the inaccurate information.
Product: Vehicle loan or lease

Company Name : TD Auto Finance XXXX XXXX XXXX : ( XXXX ) XXXX Legal Department Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am due a refund back for all money I paid for XXXX XXXX XXXX 

I loaned my car to a friend who ended up getting the car towed. I went to get car from tow company and had the money in cash to pay tow fees in full. However, my car registration had expired about a week prior but unknown to me my vehicle was no longer registered to me, the title reflected only TD Auto Finance on title. I attempted to get updated registration and asked TD Auto Finance to update DMV with me as owner and then as lien holder. TD Auto Finance had issues correcting so I paid off the vehicle ( {$14000.00} ) to have them put the vehicle title fully in my name. They did not respond to tow company certified letters or transfer title to me so I could get vehicle registration and get the car from the tow company. The tow company took ownership of vehicle. TD Auto Finance only has refunded the payoff amount. They still owe me a refund of {$6700.00}. I paid them {$20000.00} for the vehicle ( this is the vehicle amount only, not finance charges. ) They have only refunded the payoff amount of {$14000.00}, TD Auto Finance still owes me {$6700.00}. I paid for the car they did not give me the car, which should have been done by them transferring the title. I am due all money back that I paid for the car. 

Also, wanted to note the tow company XXXX XXXX took ownership of the car instead of auctioning and takin only funds due and putting proceeds with Clerk of Court. They got a XXXX XXXX car for about XXXX XXXX XXXX 

I had took my son with me to bank to payoff the car. He was supposed to get the XXXX XXXX XXXX  and ended up loosing a very nice vehicle for my XXXX XXXXXXXX XXXX XXXX 

Resolution Needed : Refund balance due of funds that I paid them for vehicle. Police confirmed this is theft. 

They owe me {$6700.00}
Product: Mortgage

" This complaint is related to the Fair Credit Reporting Act. 

My Ch. XXXX bankruptcy was discharged in XXXX 2015. The Trustee notified my mortgage company ( Greentree ) in XXXX 2015 of the discharge. Greentree mortgage merged with Ditech mortgage in 2015. In XXXX 2015, my attorney sent copies of that discharge notification to both Greentree and Ditech. 

Ditech continues to report this account as an account in active bankruptcy. 

I have spoken to multiple representatives regarding correcting this. ( XXXX/XXXX/15 XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX ) I have been told that XXXX XXXX ( id XXXX ) & XXXX ( id # XXXX ) have been working on resolving this matter. I have left XXXX messages for their Manager XXXX XXXX. To date, I have yet to receive a return phone call. 

Can you assist me in resolving this inquiry to have the Ditech report this correctly to the credit reporting agencies? ''
Product: Credit reporting, credit repair services, or other personal consumer reports

my credit score with Experian is frozen due to identity theft attempt. When a credit score check is needed we're supposed to go online / call to temporarily lift the freeze. 
the website is dysfunctional ( over 6 attempts ) and this action can not be completed. they refer you to the XXXX number. there are no agents on line ( 7 -8 calls over 2 business days ) .the only option is by mail (?!! ) with documentations and copies of bills and driving license. you can't even plan what will be the period of the temporary lift, because you have no idea when the letter will be opened. TERRIBLE.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  accounts- 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 usc 1681 section 602 A states i have a right to privacy. And also 15 usc 1681 604 A section 2 also states a consumer resporting Agency can not furnish a account with out my written permission.
Product: Credit reporting or other personal consumer reports

To whom it may concern, Under 15 U.S Code 1618B Permissible purpose of consumer reports ( a ) IN GENEREAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relate. 

I, XXXX XXXX never gave Transunion any written consent to report anything on my consumer report, no consent is identity theft. A copy of the law is attached with this dispute letter. 

Concerning the account listed below as a consumer, I am demanding a deletion of these account listed below : XXXX. XXXX XXXX Account Number : XXXX