23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

Bridgecrest finance has received a payoff check from my insurance company and the gap insurance company but refuse to correct my account. Erroneous reporting in XXXX of 2021 ( when the loan was paid ) has resulted in negative credit reporting essentially ending my ability to purchase a home. They have blamed backlogs for the 3 month process of simply getting the checks applied to my account. The company at first claimed to not have received the checks, then after cancelling them and reissuing, they applied the first set of checks and then removed all payments including approximately {$2000.00} in payments that I made so that they would not continue reporting my account negatively to the credit agencies. I have escalated this matter to an EVP in their customer relations department and after two weeks it is still not resolved.
Product: Checking or savings account

Pnc bank has been holding all not part of my funds since XXXX of this year and I have money in there from every month in this year
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently while conducting a monitor of my credit report I discovered some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. Additionally, I am allowed to protect my privacy and from third parties. I do not recall giving permission to use my information to a third party for the following accounts : XXXX XXXX XXXX 1, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  and the following inquiries : XXXX XXXX XXXX 1 XXXX XXXX XXXX XXXX XXXX 2, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  Please provide breakdown of fees including any collection costs and charges 2. Provide a copy of my signature with the provider of service to release my information to you. 3. Cease any credit bureau reporting until debt has been validated by me. 4. Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. Please note that the falsification of the information you received from any provider can be perceived as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency.
Product: Credit card

I applied in good faith for credit at Chase Bank and adverse action was taken against me. I am now in a worse situation being my credit was accessed but I was not extended credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear TransUnion, I am writing to dispute the accuracy of the information contained in my credit report. After reviewing my report, I have found several errors that I believe should be corrected immediately. 
Firstly, I have noticed that you have been reporting interest on a closed account. This is a clear violation of federal law and is not an accurate representation of my credit history. I request that you remove this account from my credit report immediately. 
In addition, there are other inaccuracies in my credit report that I would like to dispute. Specifically, [ such as XXXX XXXX not showing full reflection of credit history as it doesnt report from XXXX account was closed but instead the reports kicked in XXXX which doesnt show a full reflection of my credit report. 
Please investigate these issues and make the necessary corrections to my credit report as soon as possible. I have attached copies of supporting documents to this letter to assist you in your investigation. 
Furthermore, I want to bring to your attention that I have filed a complaint with the Federal Trade Commission ( FTC ) regarding this matter, and have attached all relevant documents to support my claim. I take this matter very seriously, and I hope that you will take prompt action to resolve this issue and ensure that it does not happen again in the future. 

I also want to bring to your attention that both XXXX and XXXX have removed XXXX XXXX XXXX from their credit reports due to it being deemed a violation. I strongly urge you to take similar action and remove this information from my credit report. 
Please confirm receipt of this dispute letter and provide me with an update on the status of my dispute. 
Please send your response to the following address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

on XX/XX/year> i disputed the accuracy of two Bankruptcy and ask the 3 agency how they validated that the information belong me and ask them to remove and to this day its still being reported om my consumer report.XXXX  transunion and XXXX are violating my rights under rule 15 USC.1681 by reporting information that knowingly and have reasonable verified.1 Under Rule 9037 of the privecy Protection for court filings made with the courts .ALL IDENTIFING markets are redacted unless ordered by the courts.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX XXXX  reporting inaccurate name, XXXX and late payment. 

This is considered fraudulent reporting and identity theft. 

Requested to be removed. 

Reported to best buy/XXXX XX/XX/2024 XXXX have account removed from all credit bureaus.. 
CASE NUMBER PROVIDED : XXXX Wrong name on account Wrong SSN on account Late payment on account is inaccurate Statement with amount due not received by law 21 days prior to due date. 
CASE NUMBER provided by best buyXXXX XXXX  XXXX have account removed due to inaccurate reporting of above information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second 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 an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I requested verification of an account on my credit report. I also had that same account deleted in XXXX only to be reinstated, which a violation of 15usc 1681I unverifiable and inaccurate being reinstated to credit reports. as a result of this my credit score was decreased significantly. this is unfair because i dont have any delinquincies on my report and the XXXX XXXX  account status is closed and paid in full.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX reported to all three bureaus transunion XXXX and XXXX hard inquiry Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information.

15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and
Product: Debt collection

LVNV FUNDING LLC- This collection account has been reported as having passed due balance of {$830.00} on my XXXX credit report ( ONLY )- I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. 

Note : This complaint is NOT for verification, this company couldnt provide me with ANY paperwork showing 100 % VALIDATED proof that I am responsible for this alleged debt. LVNV FUNDING LLC, MUST provide me with the following with 30 days. 

Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims have been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to the collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful.
Product: Debt collection

XXXX XXXXXXXX XXXX XXXX XXXX Reference # : XXXX Creditor : XXXX XXXXXXXX **Cease and Desist Notice** **To : ** Cain and Weiner **Reference # : ** XXXX XXXX XXXX XXXXXXXX **Creditor : ** XXXX XXXX # : ** XXXX This is a formal cease and desist notice regarding all media activities. It has come to my attention that your company is engaging in identity theft and is attempting to cause financial and emotional harm to me, the undersigned, through the misuse of copyrighted and trademarked intellectual property. 

As instructed by my agent, XXXX XXXX, XXXX Secured Party, you are required to use the accounts payable to offset the accounts receivable in accordance with XXXX XXXX. I do not have a contract or authorized signature with Cain and Weiner, and any further pursuit of this matter will result in a fine of {$10000.00}, in addition to a {$500000.00} fee for the unauthorized use of my intellectual property. 

Your actions appear to be in violation of public laws and are an attempt to gain through frivolous claims under the color of law. 

Please consider this notice as a formal request to cease all related activities immediately. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

I had ordered {$2500.00} of restaurant equipment through a reputable company called XXXX XXXX on XX/XX/ here in XXXX XXXX. The items weren't available upon pickup date so the business delivered them two weeks later. Upon arrival the business asked for XXXX as their credit car machine " wasn't working on weekends. '' So I sent {$2500.00} on XXXX  to the business ' bank account. 

Of the items purchased, none of them are in working condition. I have the invoice from the website with a picture of the item listing stating it is in " working condition. '' Commerical Fridge - Freon Leak ( have invoice from a licensed XXXX XXXX stating the fridge needs expensive repairs ) Patio Heaters- Glass tube in middle is cracked, missing top heat exchanger and bottom coil Vaccum Sealer - Item listed was a XXXX vacuum sealer, ( I think ) I received a XXXX as the company can't identify the one I have, and the sealing bar isn't working, preventing the entire machine from working, as it's an outdated machine, the part is on backorder and will take months to get here. Troubleshooted the issue since I had a licensed electrician and went back and forth with the IT department of XXXX to diagnose the issue with a multimeter. I attached a picture of what they stated was listed ( A vacmaster XXXX ), as you can see, the one I received isn't close to

the one in the picture. Chest Freez
er - Upon delivery, business owner said the hood of the freezer flew up on the freeway which broke the freezer hinges and the top won't stay closed without a weight on top of it. 

I have contacted the business and all they can do is " talk me through '' the problems with no further help or ability to negotiate getting my money back. None of the items that I purchased were in working condition per the company 's legal disclaimer stating they SHOULD work. 

So I then contacted Wells Fargo, made a claim on XXXX  and after 3 weeks, they said they can not do anything since it is a XXXX transaction and XXXX can't refund the money. I find this odd as Wells Fargo states XXXX is an " authorized '' company for them and they promote XXXX across all of their apps. 

I have pictures and videos of the equipment not working, statements from professional XXXX companies explaining the problem, and statements from licensed electricians explaining the other issues.
Product: Credit reporting or other personal consumer reports

This letter serves as a fourth notice that the reporting of certain charge-offs and closed accounts on my credit report is inaccurate and unverifiable. Furthermore, your failure to ensure compliance with the Fair Credit Reporting Act ( FCRA ) constitutes negligence, as defined under 15 U.S. Code 1681o, which states : Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer for actual damages sustained by the consumer as a result of the failure, as well as reasonable attorneys fees and costs. 
Specifically, the following accounts are being reported inaccurately : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Duplicate entries of being reported as a charge off for more than one year. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Issue : This account was paid & closed but is reporting as a charge off. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Issue : Duplicate entries of being reported as a charge off for more than XXXX years. 

Account Name : XXXX XXXX Account Number : XXXX Issue : This account is reporting 3 late payments but was in fact paid, closed and never late. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : This account is reporting one late payment but was in fact paid, closed and never late. 

Violations and Negligence Despite the FCRAs requirement under 15 U.S. Code 1681i to conduct a proper investigation of disputed information, your agency/organization has failed to : Accurately investigate and correct the reported information. 
Provide complete and verified documentation proving the accuracy of the accounts in question. 
Ensure compliance with FCRA requirements to report accurate and complete information under 15 U.S. Code 1681e ( b ). 
Your negligence in maintaining and verifying accurate information has caused damage to my creditworthiness, including denial of credit, increased interest rates, and financial distress.
Product: Mortgage

my mortgage company is Amerihome mortgage, I was working with XXXX a counselor from XXXX XXXX XXXX, for Covic19, did not pay  since XXXX. I return to wor on XXXX asking them to give me permanent Modification, change the term of my loan so I can have repayment plan.we call many times we email they refuse, thanks to XXXX they provide a forbearance plan, will be finished at the end ofthis month. 
my account number XXXX. 
I called the Home Affordable Modification program HAMP XXXX XXXX still did not call me. 
thanks so much for your atention. 
Webside www.amerihome.loanadministration.com. 
email : XXXX phone : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up 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 items 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 Balance : {$330.00} XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX  XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Mortgage

I originally had a {$160000.00} loan with XXXX XXXX in XX/XX/XXXX. The loan went to DiTech XXXX, and then ended up with NewRez. I paid the balance of the loan on XX/XX/XXXX, it was {$74000.00}. I have spoken to numerous representatives over at NewRez and they all state that there is a XXXX Balance. 

However, when I went to sell the property, the title examiner is saying that there is no discharge or lien release of that original {$160000.00}. So they are holding back my money until I can get this resolved.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : Caine and Weiner ( Progressive ) Address : Account number:XXXX  Your NAME : XXXX XXXX Your address:XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Caine and Weiner ( Progressive ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Checking or savings account

I have a business account with Bank of America. A customer service representative took my name off an account that my company owns, I am the sole owner of the business. A customer service representative pulled up the signature card from where I had opened the account over ten years ago. He made me prove who I was. I was angry. While they did correct the problem after they put me through XXXX. It was no big deal. Today, I am filing this complaint because of another error that they have made on behalf of a loan that I have with Bank of America. 

They need to be held accountable for this action and for the loan on my RV. It should be a crime on how they have handle my accounts.
Product: Debt collection

I received a collections notice from Harris & Harris collections agency and a call as well, in XX/XX/2020. I was informed that I owed a total balance of {$5100.00} to XXXX Nevada XXXX XXXX. There were 2 accounts one in the amount of {$3700.00} and the second account was {$1300.00} both account were referred to Harris & Harris on XX/XX/2020. 

When I was contacted, i set up a payment arrangement, of {$100.00} a month to be deducted from my personal checking account and the payments are normally being withdrawn around the XXXX  of each calendar month. So payments have been made to and received by Harris & Harris against the total outstanding balance of {$5100.00}. I received a credit report text alert that my credit score had dropped 55 points due to the full balances being reported in collections. I called to discuss the balances that have been placed on my credit and the payments that I have made. I spoke with 3 representatives one of which was a supervisor, I advised them that it is unlawful to place the delinquent amount which is incorrect on my credit report I was told if paid it off that it would be fully deleted from my report. I was also told that they update the balance every month. Which does not take away from the fact that they are reporting {$5100.00} worth of past due accounts as an open collection on my credit report when that is not the amount that I owe. 

This is not the first issue I have had with Harris & Harris, I had also paid off another small account prior to the credit report date, and it was reported to my credit bureau report after it was paid in full. Which I disputed and was removed days later. I instructed Harris & Harris, I would not make any further voluntary payments until this issue has been resolved. 

I have included copies of bank statements which show XXXX transactions being deducted from my personal checking account between the XX/XX/XXXX and the XXXX of each calendar month starting in XXXX, XX/XX/XXXXpayment has also been deducted however my bank statement is not available yet.
Product: Credit card or prepaid card

I was fraudulently charged a subscription fee {$4.00} for a service or product I never ordered.
I phone my credit card company because of unauthorized charges I found. I was advised to close that account due to possible identity theft. and I agreed and to get another card reissued.
In concert with that re-issue, the call center for Capital One GM Card credit cards submitted an unauthorized subscription for :  XXXX  '' I do not know what this is.
I called  XXXX  at the number on my statement  XXXX  IL, on  XXXX / XXXX /2017 and spoke with "  XXXX  '' and then to a Supervisor "  XXXX  '' to have the unauthorized charge removed and they refused to credit my account.
Product: Checking or savings account

On XX/XX/2017 I requested online, through my account message center at PNC to close all my accounts. I was sent a reply stating that my accounts would be closed by XXXX XXXX 2017. My account was not closed on XX/XX/XXXX and is still opened. I talked to someone on PNC chat on their website acted as though they did not know what I was talking about- despite I sent a copy of the email reply. The person on chat told me that I would have to zero my balance out first. I have kept very little in this account and the balance stays the same. Pnc charged me over {$10.00} cents in fees. And despite 2 requests to close my accounts - they are still opened ( despite I was told my accounts would be closed ).