23daVinci/CFPB_Complaints huggingface dataset:
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. 

Account name : XXXX XXXX XXXX XXXX  Account # XXXX and Account name : XXXX 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 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: Checking or savings account

I am trying to link my checking account with PNC to a website but got the message below : PNC has made a change that prevents you from being able to link your accounts. 

I should be able to utilize my account in anyway I choose. Unfortunately, this problem prevented me from taking advantage of a great opportunity.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that TransUnion block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX  business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report.

XXXX  XXXX opened on XXXX XXXX with a balance of {$0.00} XXXX XXXX opened on XXXX XXXX with a balance of {$2100.00} XXXX opened on XXXX XXXX with a balance of {$0.00} XXXX opened on XXXX XXXX with a balance of {$920.00} XXXX  XXXX  opened on XXXX XXXX with a balance of {$5.00} XXXX XXXX XXXX XXXX opened XX/XX/XXXX with a balance of {$2000.00} XXXX  XXXX  XXXX  XXXX  XX/XX/XXXX with a balance {$0.00} XXXX XXXX opened XX/XX/XXXX with a balance of {$0.00} XXXX/XXXX  opened XX/XX/XXXX with a balance of {$0.00} XXXX XXXX XXXX XXXX XXXX balance of {$150.00} XXXX  with a balance of {$1200.00} XXXX XXXX XXXX XX/XX/XXXX with a balance of {$220.00} There are also fraudulent addresses reporting on XXXX XXXX credit report which are : XXXX XXXX XXXX  XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX There XXXX also unauthorized inquiries with : XXXX XXXX  XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX All of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint ( # XXXX ), ( # XXXX ) ( # XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer loans, and inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a car loan XX/XX/XXXX and was informed Chase Mortgage had reported 60+ days past due on my credit. I immediately called Chase as this is simply not true. Our payment is auto-drafted and we have never been late for a payment. We had a change in payment for the month of XX/XX/XXXX. We have our payment drafted from a company who makes the payment, as well as, an extra payment per month. {$880.00} was our regular payment and the incorrect payment about was submitted for XXXX due to the fact that the company could not process my request in time to reflect the change in payment amount. Therefore, a partial payment was made and the mortgage company would not accept it as it was not a full payment. In efforts to correct this, I called in to take care of the difference as soon as I got my statement and was told my loan was being transferred to XXXX and to send the difference in payment to them because they would be forwarding those funds over. I did call XX/XX/XXXX but I had just received the bill that showed XXXX 's payment wasn't paid. Now, two years later, without being told my credit was reported for the incident, here we are. Chase refuses to help because they say " technically '' the payment wasn't made and we were passed due even though money was received in XXXX.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, Experian You are reporting a collection from XXXX XXXX for XXXX XXXX XXXX XXXX bill that I know nothing about I never lived at the billing address don't know anything about it as you can see they have NO contract with my signature and nothing but a bill they state that it is verification, and validation you know as well as I do that is not the case I have lived in Texas for about 20 years. They state section 809 serves as compliance per my request that is false I never request that no identity theft I requested 15U.S.C.1681a { e } as well as others listed in documents they refused to comply Remove this unverified ; none validated account from my credit report Enclosed are the documents
Product: Credit reporting or other personal consumer reports

A few months ago ( XX/XX/XXXX ), I made a dispute letter to Equifax ( courtesy from the XXXXXXXX XXXX ) to remove an old credit card settlement ( from XXXX XXXX XXXXXXXX ) from my credit report. About a month or two passed and I haven't received any response from them. When I contacted Equifax directly, they investigated the issue and gave me their response that I have to wait another two years for it to be resolved based on their investigation and conclusion. The settlement is over seven years old and by XX/XX/XXXX, it will become its tenth year. I'm trying to remove this from my credit report once and for all before XX/XX/XXXX.
Product: Checking or savings account

I have submitted multiple requests for assistance from my PNC Bank Relationship Manager XXXX XXXX. However, I have not received any response regarding my questions and concerns. Below you can see my most recent communication sent to her on XX/XX/year> at XXXX. 


XXXX, It seems to be that we have had quite a bit of miscommunication since we started working together. In recent months, the communications issues have gotten worse. 
Due to this, I have decided to submit a written request and point out the issues that I have with PNC, so that we can resolve them. 

The first issue is due to the " release of the collateral '' in the amount of approximately XXXX. Initially, I was advised by XXXX that the " lien '' would be released within XXXX years. ( we just started the XXXX year ). My first request to you to release the collateral was in XXXX of this year. At the time of the first request, you verbally advised that you would start the process. I was following up with you weekly ; however, I did not get much of the information of what is needed. On XX/XX/year>, you stated that we do need an appraisal, and supposedly, an appraiser has canceled the order, which is why the appraisal has not been scheduled. I followed up with you multiple times in XXXX to find out the status of the appraisal order ; however, I did not get any update from you. 
The issue that I have is that you advised in XXXX that the XXXX approved the " release of the collateral ''. I need a clear explanation as to why you needed an appraisal if the XXXX ( who guarantees the loan ) approved the release. 
The appraisal was scheduled on XX/XX/year> and completed on XX/XX/year>. I requested a copy of that appraisal from you on multiple occasions in writing on XX/XX/year> and XX/XX/year>. Also, I verbally requested a copy of the appraisal report multiple times. 
As of today XX/XX/year>, you still have not sent me a copy of the appraisal, and I was charged {$2600.00} for it without being able to review it. 

I am requesting the following : 1. To be sent a copy of the appraisal that has been completed on XX/XX/year> XXXX. I am requesting a copy of all of my loan documents and previous appraisals from 4 years ago. Due to Recordkeeping requirements, you should have the documents handy. 
3. Explanation in writing as to why I need an appraisal when XXXX has already approved the collateral release. 
4. If the appraisal was not needed, I need you to refund me the charge of {$2600.00} The second issue is regarding my XXXX XXXX XXXX XXXX XXXX ending in XXXX and the fact that I am getting charged a {$20.00} per month service fee and was not advised about those charges. I need the fees since opening the account refunded because I was not aware of those fees. This could be a Prohibited Sales Practice for which, as we all know, XXXX XXXX got in big trouble.
Product: Credit reporting or other personal consumer reports

i ve been living in XXXX for years and i came back a month ago to see my kids and my son checked my credit report and found fraudulent accounts and this is improper use of my credit report. in accordance with with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states i have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. under 15 USC 1666B, i contacted all of them and showed them that i ve been living outside the united states for over 10 years and no one responded to me XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXXXXXX XXXX  XXXX
Product: Debt collection

I have been in dispute with Ditech ( mortgage lender ) since XX/XX/2018. My XX/XX/XXXX payment was taken from my bank account but never reflected to my mortgage account. The amount in dispute is {$1700.00}. I have submitted all my documents both uploaded and again sent certified mail on XX/XX/18, after several attempts to resolve. I was asked to fax my documents only to run in to the issue where their fax machine either rings off the hook or a busy signal. I have been in constant communication with them both in writing and verbally. 

To add insult to injury, I am now getting Collection calls from XXXX, my so call agent after she knows that I am currently in dispute with them. I have never, ever received a collections call for my debts, especially from Ditech. 

It gets better, I buy my homeowners insurance through them, and I have now been threatened with cancellation due to this horrific mess that is still unresolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$910.00} ; XXXX XX/XX/2021.
Product: Credit reporting or other personal consumer reports

Experian, Transunion, And Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, Transunion and Equifax alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removeddisputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Debt collection

Re : Amount of debt : {$220.00} Original creditor : XXXX XXXX XXXX Collection agency : Waypoint Resource Group Account ID : XXXX On XX/XX/2021, I received notification that my account had been assigned to Waypoint Resource Group for the collection of payment for equipment that they say was never returned. I requested validation of this debt twice, once in XXXX and then again in XXXX. I have yet to receive any type of validation proving I owe this debt. What I did receive on XX/XX/XXXX was a letter for settlement from the collection agency. Again nothing validating this debt. 

This debt is not valid the equipment in question was indeed returned to the local XXXX XXXX facility, where I was told to leave the equipment on the counter and they would take care of it. 

XXXX XXXX needs to ensure when one of their associates say " Leave it on the counter and we will take care of it '' that they actually find the account that is associated with the equipment and properly take care of crediting the account so that this doesn't continue to be a common problem.
Product: Debt collection

I received a credit card statement from Fortiva dated XX/XX/2019. I write a note to them saying I do not have a credit card account with Fortiva. Stop billing me. They continued to send statements. Fortiva sent a collection notice dated XX/XX/2019. I prepared a Fraudulent Application Affidavit on XX/XX/2019 and faxed the document to them on XX/XX/2019. Fortiva sent the account to XXXX/ATLS/FORTIVA MC Account XXXX and they continue to collect on a credit card debt that I never applied for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of buying a property and I identify an account that does not belong to me with XXXX in my credit report. I already call XXXX trying to resolve the situation but they told me they don't have any situation, case or account with me under my social security number. The only account I have with them is a XXXX XXXX card, that is closed and it is paid as agreed. I try to dispute this account with XXXX, XXXX, and XXXX  and they closed my dispute saying that the account belongs to me and that the information is accurate when is not. This account appears as charge off with {$610.00} written off and {$430.00} past due it says that the account was open on XX/XX/2013.
Product: Credit reporting or other personal consumer reports

There seems to be an identity theft on my EQUIFAX credit report as someone has applied for credit cards with the name XXXX XXXX XXXX XXXX XXXXXX/XX/year> using my information without my consent or knowledge
Product: Credit reporting or other personal consumer reports

I settled this account with a deed in lieu of foreclosure and the company XXXX is still reporting as delinquent and past due. It is significantly impacting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Reporting agencies claim they investigated the listed bankruptcy and verified it. I contacted the US XXXX DISTRICT OF GEORGIA BANKRUPTCY COURT about this issue as well. In which I received a letter stating that no such verification has been provided nor would they ever give out such information. Congress says in order for them to have conducted an investigation they have to have Spoken to neighbors, friends, or associates, etc, and if they spoke with them the information Provided can not be factual. 

I DEMAND THE LISTED BANKRUPTCY BE REMOVED FROM ALL CREDIT REPORTING AGENCIES!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that the three Credit Bureaus have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report, resulting in significant harm to my financial standing and reputation. I demand that they rectify these violations and provide me with an accurate and updated credit report immediately. With that, I am asking for your assistance to delete or remove these inaccurate items from my credit file : XXXX XXXX  XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX [ CreditorName : XXXX XXXX  Account # : XXXX ] reports 3 different dates under date of last activity even after their verification, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, Equifax XX/XX/XXXX.How is this account accurate when date of last activity shows 3 different dates? which is years apart from each other? I notified that I have never made payments for all the months of the year XXXX and I have have requested for the documentation that prove that my last payment was made on XX/XX/XXXX. But you have never furnished any bank records and transaction documentation due to the fact that you are required to have this documentation to determine accuracy of your report. You are in violation of FCRA by continuing to report this inaccurate and erroneous account on my credit report. Remove this account for failure to perform proper investigation.
Product: Credit reporting or other personal consumer reports

There seems to be an identity theft going on with my Transunion credit report as someone tried to apply for a credit card with the banking institution named XXXX XXXX XXXX XXXX on XX/XX/year> using my SSN, name and other details without my consent or knowledge
Product: Credit card or prepaid card

I applied for a Secured Master Card with Capital One and received a letter which said " Dear XXXX XXXX, congratulations! You've been approved for a Secured Master Card from Capital One with a credit line of {$200.00}. We're excited to get your card to you. All we need is the required security deposit of {$49.00}, which is due by XX/XX/2020 '' which I paid on XX/XX/2020 using my debit card with XXXX XXXX XXXX. I have the proof of payment which I can not upload because my printer stopped working, but would be glad to mail to CFPB. Capital One letter also stated " if you've paid your deposit, thanks. you should receive your card within the next two or three weeks ''. But three weeks passed and no card was received by me, so I called on XXXX XXXX., 2020 to cancel and to get a refund of my {$49.00}. I was told a check had been mailed to me from Capital One in Virginia on XXXX XXXX, 2020. However, today is XXXX XXXX, 2020 and I still have NOT received the check. I am therefore appealing to CFPB fpr help.
Product: Credit reporting 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. 


Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 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 or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXX XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX BANK # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX P XXXX XXXX C U Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX