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

Upon review the files, it comes to the attention that there is an Error information appear regarding about a XXXX XXXX  on XX/XX/XXXX XXXX  XXXX incurred on XX/XX/XXXX, I have NO acknowledgment or given consent permission to anyone in the institution to use my personal information to obtain or open the account, I have reach out to the institution regarding about this matter and made sure the account open without my permission to be closed, remove and delete. Please authenticate and provide any documentation that bears its original owners signature to validate the account within 5 business days, and taken step necessary to remove and delete any account opened under owners personals information without permission.
Product: Mortgage

Upon closing of our loan in 2007 we were told that we had a fixed rate loan and that the payments would be XXXX per month. Twenty-one days after the loan was closed and fifteen days after the money was funded and disbursed to pay of other debts we received a letter from our loan company stating that if we did not sign the papers enclosed that the loan would not be in compliance with state and federal guidelines. The papers were the ARM disclosure part of the loan and they had been post dated back to the day of closing in handwritten ink. Of course we never sent these in because you never sign anything after closing. Several months later I complained to the attorney general reguarding not being informed about the ARM rate at closing. I received a letter back from Bank of America stating that they were concerned with my complaints and that they would respond back with an answer within 2 weeks. In 2 weeks I received another letter from Bank of America stating that they were sorry about the delay in getting back to me but I should receive an answer in another 2 weeks. When I did finally receive papers from them, all it was telling me how they had no record of my complaints and no record of them turning me down for XXXX loan modifications that they told me I needed to be behind 3 payments before I qualified for it and then they try to foreclose. In the packet of letters they gave me trying to prove me wrong about the ARM disclosure there was the same paper with the ARM disclosure with my signature and my wife 's clearly forged on the document and also the same handwritten date where they had photo copied it before hand. We still have the original letter and the unsigned document in our possession. And also my wife 's name is not on the loan, She was not required to sign anything but all of the sudden her initials are all over these papers. I want to know what attorney I can get to make this right. I do know that forgery in the origination of a loan makes the loan void. We have had many financial hardships because of this and have filed bankruptcy 3 times. Our credit rating is shot so there is no way of refinancing. I have tried on my own to work out the situation with them, but knowing they purposely deceived me and the courts I believe they can not prove that they have the right to foreclose on my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the transactions listed in the attached letter. I am requesting this information be blocked and deleted. My request to block and delete is not in error, nor is it made on the basis of a material representation of fact by me relevant to the request to block the identified transactions.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer- provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. these failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 
Unauthorized Hard Inquiries : XX/XX/XXXXinquired on XXXX/XXXX/XX/XX/XXXX RESIDENT VERIFY inquired on XX/XX/XXXX Incorrect Names and Personal Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payments : XXXX XXXX XXXX XXXX Account number XXXX .... 

XXXX XXXX, Account XXXX : XXXX .... 
XX/XX/XXXX, Account Number : XXXX ....
Product: Checking or savings account

I was XXXX on the XXXX the people who did it used my face to unlock my phone than proceed to drain my bank account. Cash app  completely didn't care that I was XXXX  and XXXX  and that their app was used to do it
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth 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. 
Here are the items that need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed with the CFPB and the company stated they were unable to validate the account. The Fair Credit Reporting Act states that information that is found to be inaccurate or can not be verified must be deleted from my credit report.
Product: Vehicle loan or lease

Requested Westlake Financial to share my account information and they fail to share note and information associated with my account and I never received my title
Product: Bank account or service

I worked with a banker at PNC bank and signed up for a student checking account which would not have monthly charges for any reason. After creating the account, the banker assured me that the monthly fee that was listed in the paperwork would not be deducted because I was a student, and the student account would not have the monthly fee. For the first five months, no fee was applied. In the sixth month, a {$25.00} fee was charged. I had been assured that the fees would not apply to this student account, so I expected the fee to be reimbursed, and that I should not be concerned. The bank continued to charge this fee for 14 months without reimbursement. Upon recent realization that the fee was not only being charged, but was not being reimbursed, I went to the bank to have this corrected. The banker informed me that the account I had been assigned was not the student version, but the most expensive, " performance '' option, and admitted that the account was incorrectly assigned. They then informed me that the two most recent monthly fees were in the system and could be reimbursed, but that previous fees were out of their control, as they were no longer in their system " for my protection ''. Once I talked to the banker, supervisor, and bank manager, I was told my only recourse was " escalating '' to customer service. Customer service provided the same information, and did not offer any solutions to this problem, as well as implying that I was at fault for the situation, despite the banker 's previous admission of fault.
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from PayPal for months but I just remembered I could file a report on here as I feel like they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal account is XXXX XXXX
Product: Debt collection

We were notified by our mortgage company of an outstanding medical bill on our credit report. We are in the process of buying a home. 
I contacted the collection agency and learned a XXXX XXXX ( born XXXX or XXXX ) had an account at XXXX XXXX XXXX XXXX, XXXX, AZ with my husband 's Social Security number and also our home address. The birth dates do not match. We've never been to this place of business. The account number I was given : XXXX. 
Date of Service : XX/XX/XXXX. 
The recording at XXXX XXXX gave a billing dept # XXXX. 
We have filed a dispute with XXXX contesting the collection and provided the same documentation we received from our mortgage company. 
We would appreciate any and all help you can provide. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On our about XX/XX/XXXX a collection from XXXX XXXX  for XXXX was reported and placed on my credit file. The original creditor was XXXX XXXX XXXX. 
On or about XX/XX/XXXX I solved the problem with XXXX XXXX XXXX and XXXX XXXX XXXX contacted XXXX XXXX  to have the collection deleted from my credit file. The account should have never been sold to a collection company. On or about XX/XX/XXXX XXXX XXXX  issued a record of deletion to all 3 major credit bureaus. XXXX  and XXXX  deleted the file but Trans union did not. Trans Union is reporting a paid collection which is incorrect. I did not pay anything, the XXXX XXXX XXXX XXXX collection amount was the value of cable equipment I returned in XXXX. They lost record of the returned equipment so when I contacted them they immediately found the equipment by serial number and apologized to me for the error. I never owed XXXX XXXX XXXX money and I never paid anything. I have explained this to Trans Union over the phone and in writing. XXXX XXXX  tells me that if Trans Union were to contact them they would verify they sent a record of deletion. I requested a full investigation 3 times but Trans union continues to report the collection as paid and verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

Auto loan opened on XX/XX/XXXX and cross-collateralized personal loan opened on XX/XX/XXXX were included in Chapter XXXX  Bankruptcy Wage Earners Plan filed XX/XX/XXXX. Due to XX/XX/XXXX XXXX onset XX/XX/XXXX, Chapter XXXX was converted to Chapter XXXX ( filed XX/XX/XXXX ) and discharged XX/XX/XXXX. 

Reaffirmation Agreements for both loans were filed on XX/XX/XXXX. However, XXXX XXXX XXXX XXXX ( XXXX ) continues to report false information to national credit reporting agencies, despite being notified multiple times of the error. XXXX continues to report both loans were included in Chapter XXXX bankruptcy ( FALSE ), and the accounts were closed on XX/XX/XXXX ( FALSE ). 

Attachments : Reaffirmation Agreement - XXXX XXXX XXXX Reaffirmation Agreement - Personal Loan ( cross-collateralized with XXXX XXXX ) Chapter XXXX Discharge - XX/XX/XXXX Chapter XXXX to XXXX Conversion Order - XX/XX/XXXX Chapter XXXX Individual Debtor 's Statement of Intention - XX/XX/XXXX ( Note : Both loans secured by XXXX XXXX were retained and reaffirmed )
Product: Credit card or prepaid card

I received a letter from XXXX chase advising the received an application for a XXXX XXXX XXXX  card account. I did not apply for this. I do not have a business. The letter is dated on XX/XX/22. I checked my XXXX  file and a hard Inquiry was pulled by XXXX on XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX has made several attempts to remove incorrect information that the account is not owed. XXXX  XXXX refuse to remove the debt is still owed and also show account as charge off. XXXX XXXX has cause severe damage to my credit report as I was not able to get another loan in order finance a nother vehicle. As of XX/XX/XXXX XXXX XXXX is still reporting the same information to my credit report. On or around XX/XX/XXXX I sent XXXX XXXXXXXX by Priroity Mail # XXXX XXXX XXXX XXXX and received on XX/XX/XXXX to settel the matter XXXX XXXX XXXX did not reply to me, attach to is a copy of pay off of car loan sense XX/XX/XXXX. See Attachment
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX and XXXX has failed to resolve the investigation, I have requested debt validation and they have not provided yet they responded to the compliant I placed in this portal as unable to resolve so since they are usable to resolve or investigate, I demand that they remove their information from my credit file as this doesn't to belong to me!! 
information on the loan statements shows a name that is not my name it shows ( XXXX XXXX ) please remove immediately!!! from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe Experian unfairly decreased my credit score by XXXX points on XX/XX/2022 due to a XXXX balance on a recently closed student loan. This adverse action negatively affects my creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was affected in the Equifax hack according to their website on XXXX/XXXX/2017. They failed to inform the public after they found out they were hacked and they refuse to contact people, forcing them to use their service to see if their very personal information ( social security numbers, addresses, birthdates and even numbers of some drivers licenses ) had been stolen.
This is unacceptable for a company and some of their execs sold stock before finally reveiling they were hacked.This must be investigated and actions have to be taken to protect the 143 million innocent people that had their personal data stolen.
Product: Debt collection

*Cavalry Portfolio Violated/failed to respond Texas finance 392.202. 
*Requested Debt Validation per Texas Finance code 392.202 on XX/XX/2019 and IT WASN'T A DISPUTE, Cavalry handled my request as FDCPA DISPUTE. 

# # Complaints, As of today XX/XX/19 1. Cavalry didn't provide the correct validation per Texas Finance code 392.302 2. Didn't remove trade lines from my 3 credit bureau 's reports. 
3. Remark trade lines as DISPUTE.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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: Credit reporting, credit repair services, or other personal consumer reports

Improper report, in accordance with the fairy credit reporting act, this creditor has violated my right, on the 15th us.c 1681 section 602 state i have the right to privacy, 15th us.c 1681 section 604A section 2 it also state a consumer reporting agency can not furnished an account without my will and instructions under 15th us.c 1666b a creditor may not treat a payment on a credit card under and open and consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1681b ( regarding permissible purpose ), I have never granted the following companies any authorization to access my credit report, and they are in clear violation of this code. As a result, I am requesting the removal of the following account ( s ), as they are causing harm to my reputation, character, creditworthiness, credit standing, and credit capacity. Please note that I am filing a legal identity theft report with the FTC, which I am submitting under penalty of perjury, and I am enclosing it with this letter. Given your legal responsibility to protect my privacy, I expect this issue to be addressed with the highest level of urgency. 

XXXX XXXX XXXX XXXX
Product: Prepaid card

I received a {$50.00} Amex prepaid gift card as a gift either late last year or earlier this year. I did not try to use it until recently ( XX/XX/year> ). On my first attempt, the card was declined ( card does not expire until XX/XX/year> ). I called Amex customer service and they said my card was compromised. Thus, they sent me a replacement card, and the new card came in the mail about one week later. I activated the card and tried to use the new card ( which was listed as active when looking up the card/balance on their website ), however the card still declined. I called their customer service again, and they informed me that I just need to try again and make sure to enter the 3 digit security code when purchasing. I followed all instructions from customer service rep when trying to purchase again, however my card was still declined. Im aware this is a widespread issue with many other individuals with this Amex prepaid gift card. Amex needs to provide me with a refund and fix this problem so other people do not get scammed out of their hard earned money.
Product: Debt collection

The FOSTER & GARBUS LLP / debt collector is pursuing payments even though the credit card in question was void in whole or in part due to identity thief and payments could not be collected. In addition, the debt collection has NOT provided validation of account and proof that it 's licensed to collect in New York State. The Debt collector created the false impression that they have a legal right to collect payments and that I have a legal obligation to pay off the credit card that has been again in whole and or in part voided due to the identity thief. 

The FOSTER & GARBUS LLP is impersonating as law firm, with has no legal right to conduct business in New York State, and continues to send me letters demanding payment for debts that I have no legal obligation to pay even after my two repeated attempts to ask for validation of the account but them refusing to provide it. 

I request under the Dodd-Frank Wall Street Reform and Consumer Protection Act, and under the authority that the CFPB has to take action against FOSTER & GARBUS LLP engaging in unfair, deceptive, or abusive acts or practices, or that otherwise violate federal consumer financial laws like the Truth in Lending Act to investigate FOSTER & GARBUS LLP / Debt Collector. 

Thank you Respectfully
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a " loan '' with Affirm processed on XX/XX/XXXX. 

I paid my first payment XX/XX/XXXX I paid late on my 2nd payment XX/XX/XXXX I paid my last payment on time XX/XX/XXXX. 

My credit report shows I never made a payment and still owe
Product: Credit reporting or other personal consumer reports

I filed a dispute on my XXXX account due to inaccurate and inconsistent reporting of balance history, payment dates, and repossession status. XXXX failed to follow up adequately on the investigation and did not correct or remove the errors. 

I was recently notified that the CFPB filed a lawsuit against XXXX, alleging that the company accepts unreliable information from creditors and fails to notify consumers of dispute results. This directly aligns with my situation, where XXXX has not verified, corrected, or removed the inaccurate information on my report. 

I am requesting that this derogatory remark be removed or corrected immediately as it is negatively affecting my chances of obtaining a home, vehicle, and other financing opportunities. XXXX actions ( or inactions ) violate my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) and federal laws.
Product: Credit reporting or other personal consumer reports

I received dispute results on XX/XX/year> from XXXX stating that we verified that this item belongs to you for The Bureaus ( XXXX ) and XXXX XXXX XXXX ( XXXX ). For all 3 CRAs, I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. This is a violation of 15 U.S Code 1692g Validation of Debts, the debt collector must cease collection of any alleged debt owed until verification of the alleged debt bearing my signature in wet ink, method of verification, as well as proof of your authority in this matter. Otherwise delete this information from my credit report immediately. 

On my XXXX report, XXXX XXXX XXXX ( XXXX ) is showing on my report as a collection account, late 120 days, with a past due balance of {$820.00}. I see several violations including : 15 USC 1681b ( a ) ( 2 ) permissible purpose of consumer reports, 15 U.S. CODE 1681i ( 5 ) - Removal of Inaccurate Unverified Credit Information, 15 US CODE 1681e ( b ) Compliance Procedures Maximum Possible Accuracy, and US Code 1681 e ( b ) collections must be 100 % accurate across all 3 bureaus. Please delete this account immediately.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding unauthorized hard inquiries appearing on my credit report managed by Experian. These inquiries were made without my explicit consent, violating my rights under the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws. 
The specific hard inquiries in question are : XXXX CO Inquired on XX/XX/2024 XXXX XXXX XXXX CO Inquired XXXX XX/XX/2024 Violations Identified : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b : These inquiries were performed without my explicit authorization, which is required under federal law for hard inquiries to appear on a consumer credit report.

Gramm-Leach-Bliley Act ( GLBA ) 15 U.S.C. 6801 : The entities accessing my credit report failed to protect my financial information and ensure that proper authorization was obtained, violating my privacy rights. 

XXXX Obligations Under FCRA 611 : I requested Experian investigate and remove these unauthorized inquiries from my report. To date, they have not provided adequate resolution or evidence to validate these inquiries.
Product: Money transfer, virtual currency, or money service

My daughter asked for my help to pay her Rent in California I coped and pasted her landlords number and sent the funds {$1400.00} within minutes I called to confirm receipt as this was prior to the confirmation pop up, I was informed threat the the number was incorrect and the XXXX from the area code kicked the number off by one and that they could nothing beyond ask XXXX XXXX XXXX account holder to return the money. I went to XXXX XXXX XXXX they could see things and they said they could not do anything further. So I was just out of funds and told they could do nothing despite my immediate request and follow up upon the error.