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

Collection : XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act, my collections, loans, credit lines and hard inquiries have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

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 a consumer reporting agency can not furnish an 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 items of information, other than records of convictions of crimes which antidotes 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

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the rights 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 called each credit bureau early XX/XX/2021 because I noticed accounts reporting inaccurately and they all told me to send disputes including my ID, SS #, and a utility bill proving my identity and address. So XX/XX/XXXX I sent out my disputes CERTIFIED MAIL and I have proof they were received. They have NOT updated, deleted, or even responded to me. Please help
Product: Mortgage

My husband and I are being harassed by PNC Banks Mortgage Department. Initially, this was over a property tax bill that was due XX/XX/2019. Although we consistently pay our property taxes early or by the XX/XX/XXXXof the month due, that payment was made on the XX/XX/XXXXand cleared on the XX/XX/XXXXWELL WITHIN the XXXX XXXX  XXXX XXXX 10 day grace period. This occurred because my XXXX mom had become ill and was ultimately hospitalized with double XXXX. Despite flying to Florida in a panic to be by her side, I still managed to pay my property taxes on-time ( according to my Town ) and even remembered to add the {$8.00} addt school tax that was added after the XX/XX/XXXXelection. 

The first letter we received from PNC Bank was dated XX/XX/XXXX. It stated there may be delinquent taxes on our property and warned us that unless our taxes were brought current, PNC had the right to create a mandatory escrow account for us that would then remain in effect for the life of the loan. I immediately called PNC, then our Towns Tax Office and was told we had a XXXX balance due and were never delinquent. I assumed all was good, until we received a second notice dated XX/XX/2019. This document stated we had an outstanding a balance of {$8.00}. ( The {$8.00} additional tax bill PLUS interest ) and that it had to be paid off immediately to avoid an escrow account being establish on our behalf. I immediately called the XXXX XXXX XXXX Tax Office again. I was told although my regular tax bill cleared on time, I had forgotten to include the {$8.00} that quarter. However, because the XXXX XXXX residents were unaccustomed to adding the extra tax bill and because it was such a small amount, our tax office had written off that amount. Once again, I was told we had a XXXX balance due. 

On XX/XX/XXXX I went to speak my local PNC Bank Manager, XXXX XXXX in XXXX, NJ. He made copies of my paperwork and assured me that I would hear from his Supervisor, XXXX within 48 hours. I left my cell phone number because I always have my phone with me and I did not want to miss her call. Its been 8 days and I have not heard a word. I called the XXXX Branch again this morning, leaving a message for the Bank Manager. Despite being told he would be given the message within 15 minutes, that was at least 4 hours ago and Im still waiting for a call back. I deposited money money in PNC and decided to move our mortgage in part because I believed they were a different hometown type bank that really cared about the people who banked with them. Ive lost tremendous faith in this bank over the harassment we had to deal with. They appear to be using any excuse possible ( even if not valid ) to force an escrow account on us. We pay over {$9000.00} a year in interest to this bank for our mortgage. We pay our mortgage payments and property taxes on time yet they are harassing us ... first over a few days ( even though our town allows 10 days ) and then over {$8.00} ( even though our town 's tax office we do not even owe ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent Experian a certified letter to send me the proof they have for account # XXXX which they failed to do by sending me an email saying it was verified and accurate. without showing or telling me how. Which I asked in my letter and which is my right to receive. 

In accordance with the Fair Credit certerfied act XXXX Account # XXXX, has 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
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of unauthorized hard inquiries on my credit report. I recently obtained a copy of my credit report and noticed the following inquiries, which I did not authorize I do not have any open accounts with either lender however my information has been obtained in a data breech for XXXX XXXX, Also XXXX Data Breech. 

XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> XXXX XXXX the Fair Credit Reporting Act ( FCRA ), only authorized inquiries should appear on my report. I do not recall giving permission for these companies to access my credit file, and I request that they be removed immediately.
Product: Debt collection

The debt collector agency reached out to me in XXXX requesting for the debt to be paid for XXXXXXXX XXXX XXXX in XXXX, Florida. I mailed in a letter asking for an itemized receipt of all of the damages and the cost associated with it within 30 days. They never got back to me, and immediately sent the debt to collections which is fraudulent and unlawful. They even listed the collection as tried to dispute on my credit report.
Product: Student loan

I am still trying to process my PSLF but it's caught up in the MOHELA fraud cases. My loans are already supposed to be forgiven under PSLF. Turns out the company illegally sent payments to other students and leaked personal information to me. They refused to fixed it. I have been working through my senator officer just to get a response and they found a ton of fraud and illegal activity. At one point they tried to illegally double my loans to double a payout by the federal government. 

What I'm asking is to resolve this and process PSLF. Follow federal law to avoid a class action lawsuit. The plus side is filing all these complaints and working with the senator office exposed a lot of criminal activity. I guess we can get this resolved by complaining or I can sue the company for XXXX  Your call.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : whom it may concern I wish the inaccurate information be removed from my consumer report : The name of the man, woman and or person responsible for reporting, an alleged bankruptcy allegedly filed by me at UNITED STATES BANKRUPTCY COURT CENTRAL DISTRICT OF CALIFORNIA. I am requesting all written and or digital records of communication from the UNITED STATES BANKRUPTCY COURT CENTRAL DISTRICT OF CALIFORNIA verifying that I filed bankruptcy in this court alleged docket number XXXX allegedly filed on XX/XX/2019. 

I request that the documents be made available to me within 30 days of receipt of this request. 
Lastly I request the inaccurate unverified information be removed from my consumer report. I believe only verified information can be reported I also believe it is a violation of my rights as a consumer to report information from third parties with no first hand knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Karma had an offer to check for a mortgage refinance with XXXX XXXX by XXXX XXXX. At the end of the form it says, " Submitting this form won't affect your credit. '' Then it redirects you to another site owned by XXXX XXXX. The site ask you for more questions, and at the end when you send the form a hard credit pull showed on my account. This is a deceptive practice. They shouldn't be advertising a product or service that doesn't follow their initial statement of not affecting your credit.
Product: Money transfer, virtual currency, or money service

I'm writing to formally express my concerns regarding Zelle 's handing of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. they informed that recovering lost funds was impossible and tracking these transactions were unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system. Leaving users vulnerable to scams.
Product: Debt collection

Opened a gym membership contract for 12 months. Was contacted by Aldous and Associates who stated I owed somewhere in the amount of XXXX $ for being in breach of contract. Sent certified mail of bank statements proving 12 transactions of XXXX, confirming my fulfillment of the contracted agreement. Also provided my written and signed statement. Contacted XXXX XXXX XXXX many times, can prove with phone records in attempts to cancel the contract early but was told I had to complete the 12 month contract. There was no early termination agreement set in place. 

This is devious and and mis representing if the company does not stand by a XXXX month agreement. If you call any XXXX XXXX XXXX, they tell you over the phone the contracts are a one year only. My wife has called XXXX nh and XXXX nh locations to confirm this. If they have hidden clauses then that are Mis representing their contracts and clientele are misinformed as to what they are actually signing. 

XXXX XXXX XXXX also never sent me mail of this debt I owed. Instead they went straight to a collection agency.
Product: Mortgage

My mortgage was sold to penny max and they raise the interest rate up over what I closed at. I was at around 4.5 and now Im close to 6 percent. This makes a big difference on the payment and over all loan amount. Can you help me with this. XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the reporting of a late payment on my credit report. I have contacted the bank regarding this late payment, and they have approved updating the accounts to " closed/never late. '' The bank has acknowledged the inaccuracy of reporting a late payment and has agreed to make the necessary changes. According to the Fair Credit Reporting Act, I am entitled to an accurate credit report. 

XXXX XXXX XXXXXXXX...
Product: Payday loan, title loan, or personal loan

I got a loan for {$300.00} on XX/XX/XXXX. I have made 4 payments of XXXX and my balance is more than what I borrowed. I ask how is this morally or legally ok. I was told the first 5 payments go to nothing and yet Im still getting charged interest even though Im making payments on a loan but the pretending like Im not. I was told on XX/XX/XXXX. Going through this manner to borrow money, I understood there would be some interest however this just feels like being railroaded and taking advantage of. A company being very greedy and callous to a person already having a hardship. Is there anything that can be done? Thank you.
Product: Student loan

I applied for a consolidation of loans and the SAVE payment plan in XXXX of XXXX. Both applications still say in review. I was sent a bill from MOHELA stating that my payment of {$800.00} is due XXXX XXXX. I can not afford a payment that big, which is why I applied for the consolidation and IDR.
Product: Credit reporting or other personal consumer reports

I had previously disputed inquiries on my credit report in XX/XX/2023 that were made fraudulently. 
I had sent documentation pertaining to removal of these items.

However this did not ensue.

I called in to find the investigation took longer than 30 days and the company did not respond, therfore if information can not be verified it is automatically removed from the report in accordance to FCRA 605b.

By law this I formation was to be removed. 

I had provided an FTC report along with a police report that stated these inquiries and fraudulent information be removed from file. Inclusive of this my ID and SSN was attached alone with FCRA 605b and a letter for removal. 

However even with this information this did not occur and there have been multiple inquiries posted to the account without my consent. 

I therefore request that inquiries that are on the FTC report be removed from along with ANY other accounts that are not mine. 

I feel XXXX did not adhere to this and ultimately were rude about it. 
I feel I was treated unfairly and passed around.
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This debt is over five years old and should be removed from my credit report. Oklahoma statue of limitation for contractual debt is five years, and I reside in the state of Oklahoma. My last date of activity for my XXXX XXXX account is XX/XX/XXXX, but XXXX has inaccurately reported the date of XX/XX/XXXX. I asked for documentation from XXXX due to the inaccurate information and documents supplied from them confirm my last date of activity for XXXX XXXX was indeed XX/XX/XXXX. I have also filled a motion to dismiss in XXXX XXXX court due to XXXX inaccurately reporting the last date of activity, and removal on my credit report. Both XXXX and XXXX have removed this inaccurate information from my credit. I even gave Equifax the documents from XXXX showing that the dates are incorrect and that the restarted my date of debt that is now outside of the statues of limitation. I have filed two disputes regarding this with Equifax. Equifax is refusing even with the documentation to remove this from my credit report even though it is outside of the statute of limitations in the state of Oklahoma. Lawsuits from XXXX show these debt collectors often pay the credit bureau including Equifax. I even sent the documents by certified mail to Equifax and spoke to a representative regarding the matter. XXXX has been sued several times for restating the debt on consumers credit report and continues to do the same today. Attached are the statements from XXXX showing that the debt is over five years old and in the state of Oklahoma is no longer within statues to collect.
Product: Credit reporting or other personal consumer reports

My information has been leaked in recent data breaches and my information may have been used fraudulently without my permission. The following are discrepancies that were found on my credit report. 
Accounts in collections # XXXX. XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Amount : {$440.00} # XXXX. XXXX XXXX XXXX. Original creditor : XXXX XXXX Amount : {$340.00} # XXXX XXXX  XXXX Amount : $ : {$1900.00} Accounts closed with balance # XXXX. XXXX XXXX XXXX. XXXX XXXX is Payoff. Amount : {$75.00} # XXXX, XXXX. Amount : {$310.00} # XXXX Information XXXX XXXXXXXX XXXX Amount : {$5900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/2022.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information and fraudulent items which were being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Balance Owed : {$1700.00} ; XXXX  XXXX Balance Owed : {$1200.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX  XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Is not mine ) XX/XX/XXXXXXXX XXXX XXXX ( Is not mine ) XX/XX/XXXX XXXX ( The date of my last payment is reporting incorrectly ) XX/XX/XXXX These information is incorrect .... 

XXXX XXXX XXXX XXXX XXXX. TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. NJ XXXX XXXX XXXX, XXXX. NJ XXXX