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

XXXX continued to charge me with late fee after I returned a then known scammed piece of equipment that was supposed to help with my internet but never got a signal after several attempts after contacting XXXX technicians every month! I was finally told by Technician to return my device after 4 months of no service and no answer from XXXX technicians and customer service support. Upon returning device and payment paid in full I continued to keep getting billed thereafter for a 6 month period for service I never received without a device and late fees accumulated to Over {$560.00} which was turned over to credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX  endeavor 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

In XX/XX/2024, I requested a settlement on the {$3000.00} owed on my loan after the insurance paid over {$15000.00} toward the loan. My gap insurance was denied and Ally Financial told me they will not offer a settlement.
Product: Mortgage

I originally had my loan with XXXX XXXX XXXX. They sold the loan to XXXX XXXX. XXXX XXXX showed me 4 months behind, and when I told them that was inaccurate they promised to send me a statement of payments sent by XXXX. They never did. XXXX then offered a payment plan. I qualified but they never sent the plan. They then sold the loan to XXXX XXXX. Now XXXX XXXX has told me that they can not read the transaction activity sent by XXXX and have refused to send me the information. I have requested this information from the Account Manager Mr. XXXX. He told me that XXXX did not send all the information and he was still awaiting information from my file. In the meantime they refuse to take payment. I have made simple request for information that I am entitled to and have yet to receive.
Product: Credit reporting or other personal consumer reports

EQUIFAX is reporting the wrong information regarding my Va Loan with XXXX. I sold my house XX/XX/2022 and they ( equifax ) has me 90 day delinquent XXXX, XXXX and XX/XX/2022. I did not own the house during that time, XXXX and XXXX has the correct information. I contacted Equifax and they still haven't removed the incorrect information and this is critical for me because I am trying to purchase a home and I'm getting the run around. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a Consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

We have a mortgage that was bought by Ditech. We have always paid our payment through my local bank bill pay. Well, the last XXXX months Ditech has credited our entire payment to escrow instead of the principal, interest and escrow. We keep getting calls demanding payments that we have already made.we have talked to numerous reps from Ditech who tell me that they have enhanced their online experience. Ever since the " enhancement '', it has been a nightmare. They have continually admitted it is their fault, and have promised it will be fixed. It has not. I received a notice of a negative rating on my credit report for missed mortgage payments. Ditech insisted they never sent anything to the credit bureaus. we are at our wits end with this situation. we keep getting letters in the mail urging us to get credit counceling.
Product: Debt collection

Treated in 2014 and paid my deductible. Insurance paid remaining balance, in FULL. Found out that they charged my deductible by {$25.00} too much, which they agreed to refund. 
Never got refund. 
Now CMRE FINANCIAL, whom I have never talked to, has submitted to collections, for more money, AFTER bill was paid in Full, and in fact, which a REFUND was due!
Product: Credit reporting or other personal consumer reports

I have disputed several times to have old and outdated information removed from my credit report under the personal section. I asked that two addresses be removed. 
XXXX XXXX XXXX I lived at from XXXX ( Which is XXXX XXXX ago ) XXXX XXXX XXXX XXXX XXXX there from XXXX ( Which is XXXX XXXX ago ) Any personal information older than XXXX XXXX should be removed off my credit report. 
I sent in three written dispute requests in XXXX and one online dispute request in XXXX directly with Experian and still these XXXX addresses have not been removed. Somehow, my XXXX XXXX XXXX XXXX was removed and this should not have been removed since they are my current employer.
Product: Credit card or prepaid card

I had fraudulent charges in my Bank of America debit card and BBnT business card and Bank of America credit card. Transaction was I believe XXXX from XXXX in XXXX Nc. I dont live in XXXX  nor did i go to XXXX XXXX XXXX done on XX/XX/2022. I got a phone call from BofA Wednesday morning saying they blocked my debit card for suspicious charge. They asked if I made transaction I said no. They said transaction was declined and blocked card and issued new card. Same transaction was done 4 time on business card I was an authorized signer in. My boss at the time filed a fraud claim with bbnt for those transactions. 

I didnt check my wallet because I was home XXXX XXXX XXXX and didnt need to purchase anything. On Thursday I went to my grocery store and realized I didnt have my debit card ( bc new one was being sent out ) realized I was missing my business card, debit card, and multiple gift cards. I took my CC and it was declined. I called BofA and they said I was over my limit because of a XXXX transaction. I told them that wasnt me.. it was fraud also tried in my debit card and it was done and approved on my business card that had a fraud claim with that financial institution. 

Bank of America denied claim saying it was done with my chip. I refilled claim saying it was fraudulent. They never communicated with me on the second claim. Its 5 months later they still denied claim saying it was done with PIN number and chip. No one has access to my information. I was not in XXXX Nc at XXXX. I did not order anything from XXXX online. I was home. And Bank of America refuses to file this as a fraudulent transaction. I work at XXXX XXXX and have filed claims for XXXX for the same amount as fraudulent transactions. Ive had neighbors who had had their car broken into and had the same fraudulent charge on their card. I fully believe someone broke into my car and I didnt know until days later. The point is I am not paying for a fraudulent transaction and Bank of America refuses to show empathy, acknowledge the situation, provide a resolution. Bank of America refuses to even take my complaint on their process and I need a resolution.
Product: Credit reporting or other personal consumer reports

What happened ( statement of pertinent facts ) : I am a victim of identity theft Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at 1.XXXXXXXX {$510.00}. 2. XXXX XXXX XXXX {$500.00} ( collection account ) 3. XXXX {$7800.00} 4. XXXX XXXXXXXX XXXX {$45000.00} XXXX. XXXX XXXX XXXX {$5300.00} 6. National credit adjust {$1500.00} ( collection account ) These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud
Product: Money transfer, virtual currency, or money service

On Friday, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX hours, a Sheriff 's Officer responded to a fraud call in XXXX XXXX  The caller, XXXX XXXX XXXX, requested to speak with a deputy to file a Police Report documenting her and her husband 's loss of XXXX XXXX dollars to an online scam. On my arrival, I spoke to XXXX and her husband XXXX. I learned the following : XXXX and XXXX are in the market for a tractor to grade the road in front of their property. On XX/XX/XXXX, XXXX made an online inquiry from a business called " XXXX XXXX XXXX '' about a XXXXXXXX XXXX XXXX XXXX XXXXXXXX contacted an alleged sales representative by the name XXXX XXXX via email. XXXX XXXX provided a quote via telephone for the purchase of the tractor, plus shipping and taxes. The quote totaled {$13000.00}. 

XXXX XXXX forwarded XXXX and XXXX XXXX payment instructions online. Instructions on how to electronically wire the money to " XXXX XXXX XXXX '' were forwarded to them. XXXX and XXXX XXXX wired the total quote amount from their bank account with XXXX XXXX XXXX XXXX, to an Bank of America account XXXX XXXX XXXX XXXX XXXX XXXX, Acct. number - XXXX, routing number - XXXX XXXX to expected delivery of the tractor, XXXX XXXX contacted XXXX and XXXX XXXX. Arrangements were made for delivery on XX/XX/XXXX, between XXXX hours and XXXX hours. A telephone number for the alleged delivery driver ( XXXX ) was also provided, No delivery was every made. 

XXXX and XXXX XXXX failed to receive any further communication from XXXX XXXX addressing the failed delivery. They received a text message from the alleged driver stating he lost his phone, then found it again, and he would make the deliver the next afternoon. Again, no deliver was made. XXXX and XXXX XXXX called and emailed XXXX XXXX several times. They were informed Saturday, XX/XX/XXXX the driver was in a crash and did not inform the company. 

When XXXX and XXXX XXXX requested a refund, all communication ceased. XXXX XXXX informed them he would refund the entire amount by Monday, XX/XX/XXXX. No such refund was made according to XXXX and XXXX XXXX 's bank account information. By XX/XX/XXXX, additional inquiries made by the XXXX ' were explained away as documentation errors or time delays for the transaction lo finalize. 
No further communication has been received by XXXX XXXX since XX/XX/XXXX. 

XXXX and XXXX XXXX have notified the Oklahoma Attorney Generals Office and the Oklahoma Used Car Licensing Department, the local Sheriffs Office for the jurisdiction the alleged business if physically located in, and plan to notify the Federal Bureau of Investigation of the online scam as well. 

The XXXX stated the company is fictitious, and the licensing department stated, over a phone call, that the company is real but was spoofed. Which is it?

At this point it appears that Bank of America is participating in fraudulent transactions and will provide no assistance investigating the fraud without one being a BofA account holder.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification. 
The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. 
As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX there is some inaccurate information reporting XXXX  Account Number : XXXX Please remove it from my credit report. 


3. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS COMPLETE XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im again submitting a complaint to you today to inform you that I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed below. Please see the following information is obstructed from my report as I did not benefit or receive any goods or services from these accounts. I have attached my FTC report and my Police report that I have filed on my local police department that would attest that I am a victim of Identity Theft. Here is the list of information I need removed/blocked from my credit reports. 

XXXX XXXX BV XXXX XXXX, CA 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 XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation. 
XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$7700.00} & XXXX XXXX XXXX Balance : {$8100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax still has XXXX XXXX XXXX for {$1000.00} reporting on my credit file and it shouldnt be there. I have sent over documents and this account.has not been removed.
Product: Debt collection

Regarding previously filed Complaint Number : XXXX. 
I have contacted Southwest Credit Systems L.P. in regards to an account listed on my credit reports that I do not recognize and also requested validation. I do not owe this company Southwest Credit Systems anything and they have stated they will cease collection of this debt per their response to my complaint XXXX. See below, they responded to my complaint with : " XXXX has notified Southwest Credit Systems to cease and desist all collection efforts against Mr. XXXX. However, because XXXX considers this debt to be valid and owed, we will pursue all our legal rights and remedies to collect this balance. According to XXXX, the debt is valid. On XX/XX/2018, XXXX closed Mr. XXXX account in our office. SWC has ceased collection activity and is no longer pursuing the matter '' However Southwest Credit Systems LP continue to report this debt on my credit reports. I NEED Southwest Credit Systems TO REMOVE THIS ACCOUNT FROM ALL MY CREDIT REPORTS IMMEDIATELY. This company Southwest Credit Systems LP is violating the FCRA by still reporting an alleged debt to my credit reports under Southwest Credit Systems. I do not owe Southwest Credit Systems for this alleged debt and I am prepared to take further legal action if this account is not removed from all my credit reports immediately. I have never had an account with XXXX and I have previously been a victim of identity theft.
Product: Credit reporting or other personal consumer reports

I am reaching out today to provide a follow-up on a previous communication regarding my situation as a victim of fraudulent activity. As per the provisions outlined in Section 605B of the Fair Credit Reporting Act ( FCRA ), Credit Reporting Agencies are mandated to promptly remove any entries listed on an identity theft report, reference number XXXX. Enclosed, you will find the necessary documentation aimed at facilitating the expeditious removal of inaccurate personal information and inquiries that have been erroneously recorded on my credit report. Below, I have outlined the specific items that were opened without my consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  TRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with FCRA Section 605B ( a ), Credit Reporting Agencies are obligated to expunge any consumer file entries identified by the consumer as resulting from alleged fraudulent activities within XXXX business days of receiving such notification.
Product: Credit card

I have 3 complaints toward PNC Bank.

1. My primary complaint relates to them closing my credit card account without my permission. The card ended with XXXX. I called once because PNC owed me money ( card had a negative balance ) and an agent on the phone said they would credit my checking account with those funds. No discussion or permission was made around closing out my card once it had a XXXX balance. They did this WITHOUT CONSENT negatively impacting my credit score as this was my oldest line of credit. I need this reinstated with that initial date as they closed in error. 
2. Did not receive XXXX gift card from credit card points redemption. This should be for {$100.00} and I received no mail or email after requesting. 
3. XXXXl customer service and problem resolution. I have been trying to work with PNC on this. I filed a complaint on XX/XX/XXXX and no one has explained anything to me yet. My complaint was escalated on XX/XX/XXXX and I got an email on XXXX from XXXX XXXX. I sent her three emails for an update without reply ( XXXX, XXXX, XXXX ) and called on XXXX and left a message. On XX/XX/XXXX I emailed and called again and pressed " XXXX '' to speak with someone else, explained my circumstances and he said he would give info to XXXX who was still not reaching out. I heard nothing so I emailed on XX/XX/XXXX before finally hearing from her on XX/XX/XXXX. She had not spoken to the person who I spoke with on XX/XX/XXXX and had no information. I did not hear anything from her so emailed again on XXXX, she called me later that week and said they were " looking for the initial call '' and would get back to me. I have not heard anything, so I emailed her again today XX/XX/XXXX and am filing this now.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Transunion and XXXX removed my correct address at XXXX XXXX XXXX, XXXX, Ca XXXX, XXXX Auto Loan, XXXX XXXX XXXX XXXX XXXX, XXXX Credit Card by mistake and I need the address, XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX Credit Card placed back on my credit report. The correct and current address is XXXX XXXX XXXX, XXXX, Ca XXXX.
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify this account, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT XXXX and I'm including it once more. Please don't ignore my request to repair this inaccurate account in my file. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX or XXXX of XXXX, XXXX XXXX issued a request to the 3 credit reporting agencies, Equifax, XXXX and XXXX to fix an incorrect status on my credit report. The error, which showed a " 30 Days Past Due '' status for XXXX, XXXX ( 1 year prior ) was promptly fixed by XXXX and XXXX. Equifax has failed to acknowledge the request and still shows the account past due, when it was not. 

I have separately created a dispute directly with Equifax related to this, but no change has been made. 

XXXX XXXX Account Number : ( XXXX )
Product: Credit card or prepaid card

I Have been trying to pay this card off. Have alot of debt. No income, being asked to pay what i dont have. There has been no compromises.