23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Why would I submit a fraud or identity theft if they have not proved the information that it was my information that was used. How many people were born in 1976 and how many people named XXXX XXXX. I have told them to give me information that would prove to me that it was in fact that my identity was used. If they could do that then I can rightfully fill out an affidavit stating I did not authorize this. However, if I do the affidavit right now then I could be clearing someone else debt that actually may owe them by the name of XXXX XXXX. Please ask them to verify with more verifiable identification such as my social security number. On the affidavit they supplied to me this week, it is asking me for my social security number. I will not give them that information. If this is my debt they should already have it. Why are they refusing to supply it to me. I will not and should not be bullied into making a fraud report on someone if I do not if it is fraud on me without the proper verification. Look at that affidavit you are asking me for all my important information that you have EXPLAINED to me that you do not have. So why are you pushing this debt on me if you can not verify it is me. A birth year or birthdate and a name does not say it is me and I can not put fraud on this account without knowing if it was actually my information. Please remove this off of my account if you can not verify SOCIAL SECURITY NUMBER OR IDENTIFICATION. NOW IF YOU SUPPLY ME WITH THAT INFORMATION THEN I CAN NO LONGER ARGUE THAT ITS NOT FRAUD. IF YOU CAN VERIFY THAT INFORMATION THEN I WILL FILL OUT YOUR DISPUTE VERFICATIUONS TO THE FULLEST AND FOLLOW THE STEPS TO CORRECT THIS. HOWEVER, ONLY IF YOU CAN PROVE MY INFORMATION. SOMEONE OUT THERE OWES YOU AND YOU ARE WASTING TIME PURSUING THE WRONG PERSON,
Product: Checking or savings account

Hello, I am trying to close and account with PNC. I moved money out before closing the account. However, the day that i moved said money. PNC charged me an account maintenance fee. 

Please see below for the fee. 

XX/XX/2023 MONTHLY SERVICE CHARGE XXXX {$7.00} - {$7.00} Now PNC will not allow me to close the account unless I pay this fee. Which seems rather predatory.
Product: Money transfer, virtual currency, or money service

Zelle has truly failed me as a company that is notorious for good services, it wasnt so good when my money was taken and I felt betrayed by the exploit of the system
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts are not complete and accurate. 
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  And one more thing according to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I've always had insurance and When I contacted this company they could not give me the information showing this account belongs to me. They are reporting inaccurate information to my credit report. 
I also sent a complaint with CFPB an on XX/XX/2023 the company responded stating Please be advised that XXXX XXXX XXXX XXXX XXXX has investigated this matter. We have been unable to locate any account in question for the above consumer that is currently reporting to any of the XXXX major credit bureaus. We are simply not seeing anything by name, phone number, address or social security number.

I have included a picture of the account that's on my credit
Product: Debt collection

I am writing to formally report an issue with National Credit Systems ( NCS ) regarding inaccurate reporting of debts on my credit report. Despite multiple attempts to resolve these discrepancies directly with NCS and through the major credit bureaus, I have been unsuccessful in obtaining verification or resolution.

I discovered several debts listed on my credit report from NCS that do not belong to me and were inaccurately attributed to my credit history. These debts were reported by NCS without any validation or proof that I am responsible for them. I promptly submitted disputes through XXXX XXXX and directly to the three major credit bureaus ( XXXX, XXXX, and XXXX ), requesting verification of these debts and removal if unable to provide sufficient proof. 

The original creditor and account numbers are unknown, but the open balances are {$17000.00} ( opened XX/XX/XXXX ) and {$11000.00} ( opened XX/XX/XXXX ). 

In my communications with NCS, I have explicitly stated that I do not recognize these debts and have requested validation documents, including proof of my signature agreeing to these debts. Despite my requests, NCS has failed to provide any documentation verifying these debts as mine or proving that I am legally obligated to pay them. Furthermore, NCS has repeatedly refused to remove these inaccurate entries from my credit report, which has severely impacted my creditworthiness and financial standing.

These unresolved discrepancies have caused significant distress and uncertainty regarding my credit profile. I have diligently followed all proper procedures, including providing documentation and communicating directly with NCS, to no avail. Enclosed with this complaint are copies of all relevant documentation, including my credit report highlighting the disputed items and records of communication with NCS and the credit bureaus.

I am seeking the assistance of the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter thoroughly and ensure that National Credit Systems complies with federal regulations concerning fair and accurate credit reporting. Please contact me at [ your phone number ] or [ your email address ] if additional information is required.

Thank you for your prompt attention to this matter.
Product: Mortgage

We received the attached letter from Citibank regarding their mortgage refund program related to our mortgage we had with them in 2006. They are now giving us the paperwork run-around while trying to claim our refund. When I called the number listed in the letter about questions regarding the documentation and process requirements, the ( 3 ) people who answered my call had no idea what I was talking about. Citibank was ordered to refund cash strapped homeowners when the housing bubble burst and now they are making it next to impossible to get our refund! I 've attached the letter in question for your use.
Product: Debt collection

Collection Bureau INC for ( Law Office Of XXXX XXXX ) is reporting a debt that I do not owe on my credit report for {$960.00}. However this debt is not valid since I never signed a representation agreement agreeing to any of these charges ( attached copy of original agreement thats NOT signed ),. This company only has a statement of account ( attached ) for multiple invalid, non contractual charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN A VICTIM OF FRAUD FOR YEARS AND HAVE A FRAUD ALERT ON MY THREE CREDIT BURIALS I HAVE FOUND WRONG SOCIAL SECURITY NUMBERS WRONG NAME AND COLLECTION ACCOUNTS THAT DO NOT BELONG TO ME. 

MY NAME IS XXXX XXXX XXXX MY SOCIAL IS XXXX DATE OF BIRTH IS XX/XX/1982 ADDRESS IS XXXX XXXX XXXX XXXX # XXXX XXXX FL XXXX PHONE NUMBER IS XXXX THERE IS ON MY EXPERIAN REPORT ERRORS PROFESSIONAL DEBT THAT DOES NOT BELONG TO ME XXXX XXXX XXXX DOES NOT BELONG TO ME XXXX XXXX  DOES NOT BELONG TO ME I WOULD LIKE THIS CORRECTED AS IT IS AFFECTING MY CREDIT AND MY FINANCES ON XXXX THERE IS ERRORS TOO XXXX XXXX XXXX DOES NOT BELONG TO ME ON XXXX THERE IS ERRORS TOO XXXX DOES NOT BELONG TO ME PROF DEBT DOES NOT BELONG TO ME
Product: Credit reporting or other personal consumer reports

I contacted the companies to remove the inquiries but never received a response. Please help me to remove these inquiries because they are hurting my credit and my life.
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

H & R ACCOUNTS INC XXXX Balance {$1600.00}
Product: Credit reporting or other personal consumer reports

I had an Auto Loan with Consumer Finacial But after falling behind in payments I filed XXXX XXXXXXXX in which the vehicle in question was included in the bankruptcy and payments were being made via trustee. But I opted out XXXX XXXX converted the XXXX to a XXXX  XXXX. Under discretion of my attorney he advised me if I didnt plan on keeping vehicle to return the vehicle back to finance company & I would no longer be liable for the debt it should say XXXX balance and account shall be closed and no one should try to collect debt from it. But Consumer Financial Services is reporting that I have a balance of XXXX XXXX The reporting of this debt is in violation as debt was closed out in bankruptcy
Product: Mortgage

In XXXX we paid off our mortgage with BB & T ( now Truist ). The address on file for us was an old address we had not lived in since XXXX, they were notified about this address error at origination as well as in XXXX when we had a similar problem obtaining our tax statements. The property address itself was transposed on our payment coupons as well. On XX/XX/XXXX at XXXX AM I reached out to them via the phone number on my coupon book to ask for our Mortgage Tax and Interest statement to file taxes for XXXX. It was discovered that they had not updated our address and the notice had gone to our prior address in XXXX. I asked they update our address and mail another copy to me that day. On XX/XX/XXXX at XXXX AM I contacted them again on the same phone number, as I had not received my tax statement. The customer service rep stated the address had been updated, but the document was not mailed until Friday XX/XX/XXXX and to wait another week to see if it came in the mail. Today, XX/XX/XXXX at XXXX AM I once again reached out to request a copy be emailed to me or have a tax statement mailed to me with a tracking number so I could file my taxes. I spoke with XXXX and he stated that the document was mailed to the incorrect address again between XX/XX/XXXX and XXXX. I asked to have the document emailed to me, that request was denied. I asked to speak with a supervisor and was denied that option. I asked to file a complaint and was told that was done, but have no other confirmation it was taken care of. XXXX took my phone number and told me a supervisor would contact me. This is unacceptable as it is a required document, the address has been incorrect for many years, they have been asked to remediate that multiple times. Because our loan is paid in full, they have XXXX our online banking access to this account so the only way I am able to obtain this document is by mail, yet they do not seem able to update the mailing address despite my multiple attempts to do so.
Product: Mortgage

Ditech and the credit bureaus are falsely reporting as of XXXX XXXX, 2016 that my last mortgage payment was on XXXX XXXX, 2016. Ditech and the credit bureaus are falsely reporting that my account status as of XXXX XXXX, 2016 is " past due. '' I have written the company, and when I called the company on XXXX XXXX, 2016 I was told that they only report to the credit bureaus every six months. It is not acceptable for the company to have false information in my credit report for a six-month period.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting XXXX XXXX XXXX XXXX Policy number XXXX has violated my rights 15 U.S.C 1681 section 602 A indicates I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2, it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Mortgage

I have been working with NVR Mortgage ( XXXX XXXX ) since XX/XX/year>. I was working with finance and was told every 2 weeks that certain documents from me were the last thing needed in order to finalize my mortgage loan. 3 closing dates were even scheduled but fell through 24 hours or less before closing due to poor communication. My husband and I even did the final walk through of the home with XXXX of their professionals. We have had our hopes up since XX/XX/year> but were told on XX/XX/year> that they could not accept my VA loan. XXXX XXXX knew from the very beginning that I was using my VA ; but, here we are 9+ months later and they are now suggestions a FHA loan. I was told since XXXX that I would even be getting money back at closing because we paid {$20000.00} to the builder and with a VA loan I did not need a down payment. Now, they are asking even more money from us at closing if we choose the FHA loan. They have denied my VA loan. I am a XXXX XXXX XXXX XXXX due to XXXX  health and they knew this. I have even told them that the things they ask of me every 2 weeks is aggravating my XXXX  health and the fact that I had 3 closing dates cancelled 24 hours prior has also aggravated my XXXX  health. Please, let me know if you need anymore information.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : 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 or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XX/XX/year> 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX 4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XX/XX/year> 5. XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. Identity Theft XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
7. XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
8. IXXXX XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
9. XXXX XXXX XXXX FEDERAL XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
10. XXXX XXXX XXXX BANK Account XXXX : XXXX Please remove it from my credit report. 
11. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
12. XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
13. XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter off on XX/XX/2023. Here is my tracking # XXXX. To remove personal information that I don't not want on my credit report. According to the fair credit report act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institute is not suppose to share my information to third party people.

These are clear violations of my federally protected consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX. XXXX XXXX XXXX XXXX -Account # XXXX XXXX. DEPT OF EDUCATION / XXXX - Account # XXXX XXXXDEPT OF EDUCATION XXXX XXXX - Account # XXXX XXXXDEPT OF EDUCATION / XXXX XXXX Account # XXXX XXXX. XXXX XXXX - Account # XXXX15 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my consumer report and find that there are numerous fraudulent addresses, accounts, inquiries, and employers listed on my consumer report. No company has reached out to me about the accounts being reported to my consumer report. I reached out to each company to let the company know that the transactions that took place to open these accounts are indeed fraudulent. I did not consent to, authorize, nor benefit from any of the following accounts and inquiries. Please block and remove them immediately : ACCOUNTS : XXXX  XXXX XXXX, ACCOUNT # XXXX XXXX XXXX, ACCOUNT # XXXX XXXX XXXX, ACCOUNT # XXXX INQUIRIES : XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. 

ADDRESSES : XXXX XXXX XXXX XXXX XXXX, VA XXXX, XXXX XXXX XXXX XXXX XXXX, VA XXXX, XXXX XXXX XXXX XXXX XXXX, VA XXXX. 

EMPLOYERS : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Please be advised, this request to block and remove all listed items resulting from fraud is not done in error. Thank you for your attention to this matter. I assure you will not discriminate.
Product: Credit reporting or other personal consumer reports

I HAVE NEVER BEEN LATER ON THIS ACCOUNT ( XXXX XXXX XXXX XXXX XXXX ) I was never been late on this account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my acct. If you can not supply this, please DELETE these alleged late payment from my credit report per 15 USC 1681b. Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL, 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 relates. Did I give you written instructions to furnish this on my credit report? 



Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not includeSubject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. Failure to respond satisfactory with deletion of the above referenced account and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations. 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Mortgage

I own property in Florida that Bank of America is the lender on. This property is subject to an insurance requirement and I did have insurance on the property until I filed a demolition permit and had all of the structures demolished in XXXX. I canceled the property insurance because you insurance buildings, not dirt. 

I started to receive letters from BofA about the insurance and I informed them, through the XXXX number in XXXX XXXX, that I removed these structures and the property is, therefore, not subject to insurance. They promised to review the account with the documentation I provided, the demolition permit with address and parcel information for the property in XXXX County, FL. 

More letters arrived and I have called them a total of 8 separate times, each with a 30 minute hold time, only to have the same discussion with the same promise. What is alarming is that despite emailing them the information and uploading to their " XXXX '' website, the documents never seem to make it to my account. 

The last letter, which I diligently followed up with by phone yesterday on, threatened to buy insurance on my behalf and charge me for it. I really don't believe that BofA has any intention of recognizing the facts on the ground, supported by government-issued documentation, that no buildings exist on this property. The agent advised me that it is necessary for me to get a letter from FEMA that the property is no longer subject to insurance requirements. I did contact FEMA, this is their response. 

" NFIP Flood insurance is only available for buildings, not for empty land. The lender should understand that part of their requirement. If not, please share the policy with them - https : //www.fema.gov/sites/default/files/2020-05/fim_appendix-a-policy_apr2020.pdf, " I need help. BofA is a massive bank and they clearly have a customer support organization that is structured to stall and frustrate customers.