23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was once admitted to hospital for 2-3 hrs only and the hospital bill was mailed to my home address. Unfortunately, i did n't get the mail and missed the bill. By the time i inquired about the charges from hospital, they 'd already sent the amount of {$100.00} to collections ( CMRE, XXXX ). And then without any further delay, i paid the debt in full. Now everything is settled down and my credit report still shows the account is open though balance is {$0.00} ( paid in full ). As a result, any attempt made by any agency for credit check approval, it fails. I 'm being affected by this wrong Account-Type = " Open '', which is reflecting on my credit history. 
I 've spoken to XXXX and CMRE Financial services but in vain.
Product: Credit card or prepaid card

Received a bank reliacard without asking for it, wanting it or having an account associated with it. Tried to fix with number provided but first request was for a phone number-did not provide one as concerned this is a scam.
Product: Mortgage

Our home was flooded during Hurricane Helene and the flood insurance company gave us an advance check for {$15000.00} so that we can start with the repairs. The check was made out to us and the mortgage company, which prevented us from being able to deposit the check in our bank account without the mortgage company 's endorsement. We contacted the mortgage company and received instructions for forwarding the check to them for endorsement, along with a prepaid return envelope. 

The mortgage company has held our check for unknown reasons and refuses to endorse it and return it to us. This is creating an immense hardship for us and puts the ability to repair the home at risk due to potential mold growth.
Product: Mortgage

I told a loan # XXXX I fell behind on my mortgage I file for loan modifications they were supposed to take {$25000.00} off the loan they never did XXXX of XXXX I file for bankruptcy the bill was {$190000.00} on the loan.i sold the house I had to pay XXXX XXXX needs to know why went up {$70000.00} within 2 years please have them detailed so I can understand because it doesn't look right.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because my credit reports show several unauthorized inquiries that I did not initiate or approve. These inquiries have appeared without my consent, and despite reaching out to the credit bureaus to have them removed, they remain on my reports. My disputes have been ignored or dismissed without proper investigation, leaving these inaccurate inquiries to negatively impact my credit score. This situation is both alarming and unjust, as these inquiries are not a result of any actions Ive taken. 

XXXX Unauthorized Inquiries Listed below are the Inquiries that are being challenged INQUIRY - XXXX - XXXX INQUIRY - XXXX - XXXX INQUIRY - XXXX - XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Unauthorized Inquiries Listed below are the Inquiries that are being challenged INQUIRY - XXXX - XXXX INQUIRY - XXXX  XXXX XXXX  - XXXX INQUIRY - XXXX  XXXX XXXX - XXXX INQUIRY - XXXX XXXX - XXXX INQUIRY - XXXX  XXXX XXXX - XXXX INQUIRY - XXXX  XXXX  - XXXX INQUIRY - XXXX XXXX XXXX  XXXX - XXXX INQUIRY - XXXX  - XXXX INQUIRY - XXXX XXXX  - XXXX INQUIRY - XXXX  XXXX  - XXXX INQUIRY - XXXX  XXXX XXXX  XXXX - XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Employer - XXXX XXXX XXXX Transunion Unauthorized Inquiries Listed below are the Inquiries that are being challenged INQUIRY - XXXX  - XXXX INQUIRY - XXXX  XXXX - XXXX INQUIRY - XXXX  - XXXX INQUIRY - XXXX - XXXX INQUIRY - XXXX  XXXX  - XXXX INQUIRY - XXXX - XXXX Employer - XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not the owner of this account.. 
Delete XXXX XXXX**..Derogatory accusations must be Metro 2 Compliant to  retain or report so delete any not physically with proof of permissible purpose from the exactly and legally identified me..I do not authorize you or anyone to report not proven compliant information and you must comply..
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a notification from my Transunion account that I processed a hard inquiry with a company by the name of " XXXX XXXX ''. I do not have a relationship with this company, use their services, or rent a home to need to use their services. This was an attempt to use my identity without my consent. Upon discovering this attempt of fraud I froze my Transunion credit and all other bureaus. Fortunately, this company did not run hard inquiries on XXXX or XXXX. However, in order to remove this inquiry and protect my identity Transunion requested that I submit a request to the CFPB in order to proceed with the fraud removal of the inquiry. 

XXXX XXXX. Location : XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

On the date XX/XX/XXXX I applied for a pre approved auto loan with XXXX XXXX XXXX XXXX upon being accepted for a XXXX dollar auto loan, which included GAP. I than went and choose the vehicle of my discretion. I payed my car note on time and accordingly, the vehicle was insured aswell on XX/XX/XXXX I was involved in a XXXX XXXX  which left car totaled. At the time I was one month behind on my car insurance so at the time of the incident they refused to pay the balance on the loan. When I reached out to XXXX XXXX they also told me my GAP didnt cover the loan. The institute than went on to report my auto loan account as a Charge -Off account. This reporting of my auto loan is inaccurate under 15 U.S Code 1681s-2. By Definition The IRS Clearly says a Canceled or Charge off is income. The reporting of this account as a debt is inaccurate.The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes the reporting of this information incorrect. I ask that this information be looked into thoroughly.
Product: Checking or savings account

I file this complaint against PNC Bank, XXXX. This complaint stems from PNCs refusal to release my SEP IRA to XXXX XXXX, despite numerous demands they so do. 

At present, I am the beneficiary of a SEP IRA currently held by PNC. The value of the account is {$69000.00}. In XXXX, 2023, I required PNC transfer the account to XXXX XXXX XXXXXXXX XXXX in a custodian-to-custodian transfer. I executed the required paperwork to effectuate the same. At no time was I to take personal custody of the funds. 

PNC chose to transfer the funds by cashiers check. ( To be explicit, I did not direct how the funds were to be transferred. I assumed the funds would be wired or sent via ACH. ) A PNC employee later confirmed the check was sent via First Class Mail without a tracking number. XXXX claims they never received the check. 

After a few months of the funds not appearing in the new XXXX account, I required PNC to reissue the funds and send them to XXXX. As a condition of reissue, PNC required a XXXX representative sign an indemnification agreement, dated XX/XX/2023. ( Attached with strikeout. ) XXXX refused. PNC then requested I sign the indemnification agreement. 

The indemnification agreement includes a confession of judgement, allowing PNC to file a judgment against me for double the face amount of the check plus up to 15 %. 

On XX/XX/2023, I received a replacement indemnification agreement from a PNC XXXX manager. ( The boilerplate language on the form is identical to the original. ) The new agreement contains several errors, including, among other things, that the replacement check is to be made out to me personally, not XXXX XXXX ( as custodian for my IRA ), and the instrument date of the agreement. The instrument date of the new agreement reads XX/XX/2023. 

I refuse to sign the indemnification for, among other reasons : - I do not believe it is my obligation, nor responsibility, to inject myself into a dispute between XXXX banks and to assume the liability of XXXX or both. I requested a transfer from custodian to custodian. Once I made the initial request for transfer, the only entities involved were the XXXX banks. I was not to personally receive the funds. An error or errors occurred somewhere between the XXXX banks. 
- I have suffered losses as my funds have been in limbo. If my IRA was on deposit at XXXX, it could have, at least, earned an interest rate of over 5.00 %. In addition, I have spent much time and effort attempting to resolve this situation. If I sign the indemnification, I waive my rights for compensation. 

Because I refuse to sign the indemnification, PNC refuses to release the funds. Representatives from PNC time, and time again, from front-line employees to supervisors ( or to whom the situation was escalated ) refuse to release my funds until I sign the indemnification. I have contacted PNC multiple times between the beginning of this saga and the filing of this complaint. 

As the funds remain with PNC, the bank remains able to make money off my money. 

I demand my money. I further demand compensation for the losses, effort, and stress incurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

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

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the Item I am asking you to verify as 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
Product: Credit reporting or other personal consumer reports

XXXX XXXX : Account XXXX. is XXXX ( {$7500.00} ), XXXXXXXX XXXX XXXX Account No. is XXXX ( {$7600.00} ), XXXX XXXX XXXX XXXX XXXX Account No. is XXXX ( {$20000.00} ) & XXXXXXXX XXXX  XXXX Account XXXX. XXXX ( $ XXXX 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 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 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

Someone open an account in my name in XXXX of XXXX with XXXX XXXX. I noticed it on my credit in XX/XX/XXXX. I have filed a police report and a fraud report with XXXX and it now almost XXXX and I have no answers. My credit dropped 140 point from XXXX to XXXX. Every time I talk with XXXX they seem to have gotten nowhere. The police told me they notified XXXX about an IP address where these people applied for a card in my name months ago. 
This problem needs to be resolved since its ruined my credit. 
I want to sue not only the person that committed fraud but also XXXX for not verifying any information these people put on this application. It is simply unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom This May Concern : Since XX/XX/2021, I noticed on 3 credit bureau reports that I had multiple accounts that were charged-off accounts that were still reporting information to my credit profile. I began to send each credit bureau a letter inquiring into the overall general state of my credit profile ; they responded and stated that everything was valid. Again, I sent another investigation letter into the credit bureaus ' investigations and how they found their conclusions. I also sent a letter to each of the companies, which included XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX.
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Kimball Tirey & St John for committing identity theft. I have never given Kimball Tirey & St John any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 
I have never received any type of documentation requesting validation from Kimball Tirey & St John before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Kimball Tirey & St John can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Kimball Tirey & St John can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Kimball Tirey & St John continues its collection efforts, I will file for litigation for actual damages caused and Kimball Tirey & St John will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reporting on my personal credit file and were found in my reports with credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : Inquiries XXXX XXXX XXXX Date XX/XX/year> 2024
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4300.00}, {$7500.00}, {$0.00}, {$54000.00}, {$1000.00}, {$340.00}, {$1100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4300.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX. with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$7500.00} -This is not my account. 


-- AUTO LOANS OR LEASES 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX LT with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$54000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$340.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account.
Product: Debt collection

I have been over sea with my company from XX/XX/XXXX- XX/XX/XXXX and I have a credit collection company Phoenix Financial Service trying to collect a debit from XX/XX/XXXX for {$1200.00}. I was not even in the country to incur a debit.
Product: Mortgage

NationStar Mortgage re-branded itself into Mr. Cooper - Their tactics in " reselling '' my mortgage to the same company was deceiving. They made it sound like they were not the same company. 

Secondly they keep sending emails to apply for more debt with them, which I have attempted to opt out of multiple times, but they are not honoring " unsubscribe '' rules. 

They have links in their emails as required by law, and it directs to a web page to unsubscribe, but I still get their solicitations. 

I think this has some overlap of both the cfpb ( fraud of " selling '' the mortgage to another company, which is the same company ) and the FCC ( email communications ). 

The new shell seems just as dishonest and as NationStar ever was and wish I had my mortgage with someone else more reputable.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Debt collection

I paid the collection agency " Firstsource Advantage LLC '' {$2100.00} on XX/XX/2021. Despite this payment in FULL, the collection agency is refusing to notify the original creditor, XXXX XXXX XXXX , that the debt is paid in full. Therefore, I have a charge-off of {$2100.00} reported on all 3 credit bureau reports by XXXX XXXX XXXX XXXX Further, I logged into the payment website for Firstsource Advantage LLC on XX/XX/2021 at XXXX XXXX  XXXX and the account STILL shows a balance of {$2100.00} ( documentation attached ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has many inaccurate information on my credit report that I would like to be removed. Ive reached out the the company and nothing was resolved. I would like for this issue to be resolved.