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

The following items are reporting inaccurately to my credit report on trans union and should be removed. XXXX XXXX XXXX -Never late/Balance incorrect XXXX XXXX XXXX-Never Late/Balance incorrect XXXX XXXX XXXX-Never had an account or contract with this company XXXX XXXX XXXX-Never Late/Incorrect Balance XXXX XXXX-Incorrect Balance The following companies have pulled my credit and have not had authorization to do so. I have reached out to each company and they can not provide written proof of a signed application to authorize the running of my credit. <P/><P/>XXXX XXXX XXXX, XXXX Inquiry : XX/XX/XXXX XXXX ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX CAPITAL XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX has placed a derogatory collection on my Credit Report, which is affecting my credit. I do not have said Debt of {$2800.00} with this company. The agency has not been able to VALIDATE the debt with the proof of the original contract with original signature, payment history etc. ). A bill is not proof of debt.
Product: Debt collection

I have attached Identity Theft Report and Police Report Two crimes happened : Cyber criminals took my info from XXXX, XXXX XXXX Breach and I am a Verifiable Victim of Identity Theft My information was stolen XX/XX/XXXX My info, the law, the crimes that were broken are attached in the case see ( court order attached ) Convergent sent me a letter on XX/XX/XXXX to collect a debt that does not belong to me nor have I ever stayed at the address that is on the bill they sent me via bill. 
The letter states that are trying to collect a debt that is owed to XXXX  XXXX XXXX. 
Convergent Account XXXX XXXX  I sent a debt validation letter dated XX/XX/XXXX A notice to dispute this fraudulent debt 1. Send me a original documents with my ( signature ) listed on it 2. According to Fair Debt Collection Practices Act I requested evidence in support of this claim 3. Providing a copy of all paperwork that show I agreed to pay what they say I owe 4.Provide a a verification or copy of any judgment 5. Prove the Statue of Limitations has not expired on this account 6. Show me that you are licensed to collect in my state 7. Provide me with their license number and Registered Agent or Agent of Service at this time I will also inform you that if their offices have reported invalidation information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by this company or the company that they represent, I will not hesitated to being legal action against you for the following : 1. Violation of the Fair Debt Collection Practices Act 2. Defamation of Character If they continue to report inaccurate information they are in violation of section 809 ( b ) of the FDCPA and FCRA rule 611 and subject to a fine of XXXX  per violation which I intend to pursue Failing to respond to a Debt Validation Letter while continuing to collect on the debt is a direct violation of the FDCPA I requested written verification of the debt with my SIGNATURE on it and they sent me a copy of someone's bill ( see attached document )
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX should not be reporting that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus as well as XXXX XXXX to remove these lates however, I have not been successful.
Product: Debt collection

The company is XXXX XXXX XXXX located in XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX and they are reporting on my credit report that I owe a debt from XXXX XXXX XXXX. I have sent them letters certified mail, return receipt asking for signature proof of the debt because I do not believe it is mine. when I write them, they respond with the same form letter, but nothing more, claiming " we are uncertain of what you are specifically disputing '', when I specifically say I want signature proof that I signed for the debt. Which I know I did not ... .They refuse to provide it and continue to report it on my credit. Based on the info they did provide, the debt is over 7-10 years old and while I have purchased computers from XXXX, I always paid by credit card so it was likely ID theft and again, they will not provide what I have asked twice to confirm I owe the debt
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is for all three credit bureaus, not removing information from my credit file and XXXX requesting information that has already been provided as proof of my identity regarding a dispute. 

XXXX XXXX should be removed from all three credit reports. **Per written document included with this complaint-
Product: Credit reporting or other personal consumer reports

I XXXX XXXX did not authorize the following companies below to pull my credit. 
Each company is in violation of my rights as a consumer and I have tried to get these taking care of months ago with no headway XXXX XXXX XXXX XXXXXXXX XXXX XXXX Important dates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX 
I am in the process of renting a building and the information that is being shown is holding up the process. According to the provisions of the Fair Credit Reporting Act 604,611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, the item I am disputing must be removed from my credit report.
Product: Credit reporting or other personal consumer reports

TO YOUR COMPNAY ( I HAVE ACCOUNTS ON MY CONSUMER REPORT THAT ARE REPORTING Inaccuracies in the dates. THESE ACCOUNTS ARE INACCURARTE AND ARE A VIOLATION OF THE FCRA AND MUST BE DELTED IMMEDIATELY. AFTER THIS INVESTIGATION, DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT ). ( XXXX XXXX. XXXX XXXX, XXXX XXXX ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I have 2 accounts reporting on my consumer report that have late payments in the payment history. These accounts are inaccurate and need to be updated 2 paid as agreed, paid on time, never late. I have never been late on any of my payments. ( XXXX XXXX, XXXX XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to report fraud by XXXX, EQUIFAX, XXXX. I'm tired of being violated by these consumer reporting agencies. I'm protected by consumer laws. I see things on my consumer report that shouldn't be displayed because I never gave them consent to show my private information. I am the original creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

Stafford Group and Associates have called me numerous of times harassing me in a threatening intimidating manner about a debt I do not owe. I have contacted the company several times via phone and email, to provide me with the original contract with my signature but they failed to do so. This has caused irritably harm as the two credit Bureaus ( XXXX and XXXX has placed this on my credit without a proper investigation of facts. This is illegal. 


In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX # XXXX XXXXas 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 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Product: Credit reporting or other personal consumer reports

Disputed XXXX account opened XX/XX/2013 Balance : {$2700.00} Disputed XXXX XXXX Mortgage : Balance {$0.00}
Product: Checking or savings account

This is my second complaint on this same issue with PNC bank. a week ago I filed a similar complaint. 

Today when I logged on to my PNC account in an attempt to transfer funds to XXXXXXXX XXXX they immediately locked my account with no explanation. they then put me on hold 3 separate times for over 20 minutes apiece eventually transferring me to " Tier 3 '' who hung up on me. I had to start the process all over again and when I called again they again put me on hold and when someone came on they had no idea about my problem and made me explain it again and reverify my information all over again. They then put me on hold again for twenty minutes before transferring me to " tier 3 '' again and that person had no idea why I was calling. He then told me the reason I was blocked was because I wa making an external transaction with no history of doing so which is a complete fabrication- I was LITERALLY charged a fee by PNC last month for making too many external transactions. 

He unlocked my account and told me it was locked due to " suspicious activity '' but refused to provide me with ANY evidence of anything " suspicious '' I had done. 

All I am trying to do at this point is get my money out of this awful bank and into a different one.
Product: Credit reporting or other personal consumer reports

This account was resolved in 2018 6 years ago. This should not be reporting on my credit reports. Its inaccurate Information. I need this deleted off my credit report immediately.
Product: Credit reporting or other personal consumer reports

I have taken a look at my consumer credit report XXXX and requested for your company to remove this public record chapter XXXX XXXX. The United States Bankruptcy court does not report any information to the credit bureaus and it is not responsible for verifying information from consumers credit files. Bankruptcy filings are publicly available records. 11 U.S. Code 107 Per that law I took lawful procedures and contacted the bankruptcy court of XXXX XXXX XXXX North Carolina and received notification back stating they dont provide information to third parties and credit reporting agencies. I didn't give your company permission to have any records and if you do believe I may have I am now opting out per the 16 CFR Part 312 you are in violation of 15 usc 6508 ftc law and the Privacy act of 1974. So any authorization or validation Your company believes that you have, your company no longer has and it needs to be deleted, removed from all my consumer reports immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 XXXX  has placed an inquiry On my credit report that I did not authorize nor initiate They are harming me
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX showing three accounts on Experian that XXXX can not validate or locate. please see uploaded statement
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of an old creditor ( XXXX XXXX ) running my credit without my authorization. In addition, when I disputed the claim the banks response was that I gave a verbal approval, based on past relationship. The initial request from XXXX XXXX ( XXXX XXXX ) to refinance my mortgage happened on XX/XX/2020. My response was no, because at the time I had additional obligations that may have prevented me from exploring this. He asked me if I could send him some bank or pay information and I declined to respond. What XXXX did not know is that at the time of the call, a team member from my job was in the room, heard the entire conversation, and the denial of running my credit. On XX/XX/2020, I received a credit alert from my credit profile that a hard inquire from Credit Plus ( XXXX XXXX  ) had been pulled. I immediately emailed XXXX and asked him to explain why this has occurred and my objection to this unauthorized action. He never replied to the email ( see attached ). On XX/XX/2020 I also reached out to a Consumer Law firm to get advice on how this could occur and ask for support in the matter. Several days of no response from XXXX XXXX and then on XX/XX/XXXX, an erratic message from XXXX stating that he knows I wasn't sure, but you were ok with me checking and that a refinance looked good. On XX/XX/XXXX, he called again begging for me to work with him. I never spoke to XXXX anytime other that the call on XX/XX/XXXX or XXXX, which was initiated by him, stating that I am unsure and I would get back to him on what I decide. XX/XX/XXXX, I wrote a dispute statement to Credit Plus to fix this error, as my efforts with the credit bureaus weren't successful. XXXX responded with false claims that I gave verbal approval, as stated earlier. I am truly disappointed about the power merchants have in reviewing and running a consumer profile at leisure. Then to send this fabricated statement back in response is a second violation of my rights. Please assist me in removing this authorized inquiry from my profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXXHard Inquiry from XXXX XXXX XXXX  ( I have not ask or apply for any credit cards with these people, unauthorized hard credit pull, two times in one day ) XX/XX/XXXX Hard inquiry from XXXX   ( on this date they pulled twice my credit report and performed 2 hard inquiries without my consent, I did not authorize them nor apply for any credit cards. Someone used my information to apply for these credit cards, three time in one day I had hard credit pulls.XX/XX/XXXX Hard inquiry from XXXX same as above inquiries, I did not authorize nor apply for any credit cards.

XX/XX/XXXX Hard inquiry from XXXX XXXX, I did not authorize nor apply for credit card on this date, unauthorized.

XX/XX/XXXX Hard inquiry from XXXX, I did not authorize this.

XX/XX/XXXX Hard inquiry from XXXX XXXX, I did not authorize this hard inquiry.

I have called these banks personally and explained them that these application weren't mine, also I did contact all three credit reporting agencies, but nothing changed it still hurting my credit.
Product: Mortgage

Our loan was sold to SLS after being with XXXX ( and very happy ) for almost 13 years. We had applied for a modification with XXXX and we were told all the paperwork would be sent to SLS to finish processing. I received a letter from SLS that XXXX items needed to be changed to the SLS document for further review. Items were emailed the same day, XXXX. On XXXX, I received a letter that nothing was reviewed since I did not send the items in on time. I called SLS and she stated that they had both items but the signature was in the wrong place. I had called 2 times and spoke to a person since sending the documents in. I was told everything was being processed in underwriting and that they would get back to me. On XXXX/XXXX/16, I called SLS and the automated system told me that my workout status was approved and they were finalizing the paperwork. When I questioned the Rep about that call she stated that the automated system was not always right and that I should be calling and speaking to a person every time. But, I had spoken to TWO Reps and none of them told me there was an issue with my paperwork. I asked if I could send in the ONE piece of paper that had the wrong info on it and I was told " No, you need to send a whole new packet into us to process again. '' I asked why no one called me to let me know that the packet was wrong since I had received information re : the missing paperwork. I was told that it was my responsibility to call and follow up. But, I did, so if I did my job, why are they not doing theirs?!
Product: Debt collection

I have sent a letter to them regarding the matter. However, no one sent a response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " XXXX. '' on XX/XX/2014 via USPS certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.
Product: Checking or savings account

XXXX XXXX XXXX chase bank decided that we were bad customers, after a 30+ year relationship. 

they then closed our personal and business accounts, and took 3 weeks to return our funds without a proper accounting included with the payments, leaving us stranded for understanding with NO AUDIT TRAIL to be available. 

This was with : XXXX XXXX and an inexperienced teller that she decided was more valuable than the clients. 

The teller kept demanding more documentation, to the point that the cartridge was passed 4 times to me during this sensitive period of NON CONTACT COVID RULES. 

They do not clean or disinfect the bank property properly. 

chase bank are arrogant monsters that deserve to be broken up
Product: Bank account or service

Chase closed my business checking account without even notify me. No email, no letter, no phone call, XXXX. Just one day, poof! my account was gone! I discovered that when I wanted to deposit a check to my account, and the account disappeared. I called Chase, they told me because they charged {$15.00} per month when my biz account balance is below {$1500.00} for the past 8 months. The account went to negative and they closed it! 
One would think at least a courtesy email should be sent to customer to inform them the situation. Not just simply close the account silently!!! That 's just WRONG! Not the mention they charge so much, {$15.00} per month, because the account did n't have the minimum balance!
Product: Debt collection

Collection companies buy and sell a student loan debt that is not valid debt of mine. I have written each company that has serviced said debt to explain that this is NOT a valid debt and the collection company either sells the debt to another company or has another collection company service the invalid debt. The latest debt collector is XXXX XXXX XXXX, XXXX of XXXX, TN XXXX XXXX XXXX XXXX. This aforementioned company continues collection efforts after written and verbal notification of invalid debt and solicitation at a work phone number.
Product: Debt collection

Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I 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 Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Experian Dispute Information Center To whom it may concern : I was just looking over my credit report and found some addresses that appear to be incorrect. I've enclosed documentation providing proof of my current address, as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed ( which I would like removed please ) : XXXX XXXX XXXXXXXX XXXX XXXXXXXX There should only be one address listed on my report, which is XXXX XXXX XXXX XXXX, FL XXXX I also noticed that my name appears to be misspelled on my credit report. My name only has one correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : XXXX. XXXX XXXX Please remove inaccurate employers as well as listed below : XXXX. XXXXXXXX XXXX XXXX XXXX Once you have deleted the inaccurate names and addresses from my credit report, please send me a copy of my updated report.Thank you XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX Account XXXX cell phone open XX/XX/2017 this Account was open for 1 month they said ( XXXX ) I did not open this Account, this is fraud! I told them years ago XXXX, XXXX, XXXX and Equifax I have a police report from XX/XX/2017 when I notice items on my credit report that was never report.