23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, I have identified certain items that have not been adequately verified or substantiated by the respective furnishers. It is my right as per the Fair Credit Reporting Act ( FCRA ) to seek the necessary verification of these items to ensure the integrity and accuracy of my credit report. 

I kindly request that you initiate a thorough investigation into the following unverified information items on my credit report : XXXX XXXX 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: Debt collection

Persolve LLC, now Persolve legal XXXX, XXXX Took me to court because i refuse to answer repeatable calls and robocalls and yes i mail a certify do not call letter, they won the case do to lack of me filing motions correctly The Judge told me in front of them that he had no choice, and they didn't even send me a Notice to appear in court the day of trial Judge ask for it lawyer said he didn't know, The bank they show me is invalid i never had an open account with that bank or the legal group, and no payments have ever been made to any card or debt since 2007 there fore They should not have any type of legal action on me THEY ARE NOT THE REAL DEAL I need the original Contract from the real card holder to say it is my debt but they show only they're own hand made or what ever it is please Show the real contract showing XXXX XXXX  and ended in XXXX with closed ACCOUNT also show last payment on your so called BANK and the purchase, XXXX made by me or open statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022, to remove these accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XXXX XXXX Ive already included this in my previous Complaint XXXX & I am including it again. Please do immediate action regarding this matter. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00}
Product: Credit reporting

I paid a debt to XXXX XXXX XXXX in XXXX of 2016. I disputed it as paid with Experian in XXXX of 2016. They did not remove the balance from my file. I have contacted XXXX several times and they claim they will have the item removed. It is still there almost 12 months later.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXXXXXX XXXX  on XX/XX/XXXX, a personal phone account with XXXX XXXX opened XX/XX/XXXX under account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under account number XXXX, an auto loan opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under account number XXXX, a collections account opened at XXXX on XX/XX/XXXX with a balance of {$560.00}, a collections account opened at XXXX XXXX XXXX XX/XX/XXXX with a glance of {$61.00}, a collections account opened at XXXXXXXX XXXX  on XX/XX/XXXX, a collections account opened at XXXX XXXX XXXX  on XX/XX/XXXX with a balance of {$12000.00}, a collections account opened at Puget Sound Collections on XX/XX/XXXX with a balance of {$690.00}, a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$2700.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

I was working with a mortgage company on a refi loan for my home. During the process I requested that my appraisal be transfered to another lender as I did not want to work with them anymore. Initially they did not respond to me or the new lender. After some pestering they sent me a CC authorization form to pay them for the fee of the appraisal. I asked them to invoice my new mortgage company, and agin silence. After a few days they told me they have given me instructions and to work with my current lender to get them to transfer. I finally was able to get the VA to transfer, but the old lender was not the reason, and in fact delayed the process from being complete.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to TransUnion/XXXX  was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX TRANSUNION : XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Improper sharing of my personal financial information is a violation of my rights under 15 U.S.C. 6802-6805 of the Gramm-Leach-Bliley Act. Failure to Provide Opt-Out Opportunity 15 U.S.C. 6802.Under the GLBA, financial institutions are required to provide consumers with the opportunity to opt out of having their nonpublic personal information shared with nonaffiliated third parties. I have not been provided with a clear and conspicuous notice of my right to opt out, as mandated by 15 U.S.C. 6802 ( b ) .15 U.S.C. 6803. Section 6803 requires financial institutions to provide annual privacy notices that explain their policies for sharing personal information and the methods by which consumers can opt out. I have not received adequate or consistent privacy notices, and my nonpublic personal information appears to have been shared without proper authorization.Violation of Consumer Rights under 15 U.S.C. 6805 I am requesting CFPBs intervention to enforce my rights and ensure compliance by XXXX XXXX  per the terms and conditions. Which states Regions wont share my nonpublic personal information with nonaffiliated third parties. Any unnecessary or unauthorized disclosures of my personal and financial information under the GLBA. Require XXXX, XXXX, XXXX to honor my opt-out request under 15 U.S.C. 6802 ( b ).

Investigate whether XXXX XXXX  is in compliance with the privacy and opt-out requirements under 15 U.S.C. 6802-6805.

Also Ensure that my nonpublic personal information is no longer shared without proper authorization
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with a representative of this company and I was promised that the inquiries made from 2021 would be removed from my credit reports This company never honored their promise to remove the inquiries that their representatives made to me on their behalf.
Product: Checking or savings account

My ex husband forged my signature on a check made out to me and him jointly with an and separating the names. He deposited that check into his sole account. Chase Bank XXXX XXXX XXXX, CT let the deposit go through without verifying identification. When I came to know of this forgery, I went into the branch with my valid identification and still they have not resolved the matter.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I setup and account with AXOS bank less than 30 days ago. I then did a photo deposit of a check. I waited for a few days for it to clear. When it did not clear I called and was told that it would be released on Monday XXXX. I waited for Monday and the money was not available. So I called in once again and was told that the funds would be available by XXXX XXXX  CST. So I then waited until XXXX XXXX  CST and the funds had not been released. SO I then called again. I was then told oh I am sorry they were wrong in what they told you. It will be XXXX PST before the funds will be released. SO AGAin I waited until XXXX XXXX  PST and guess what the funds had not been released. SO I called again ad got a 3rd time the monies would be released. This time I was told XXXX PST ... 

I am feeling like either I am being lied to or that they have very poor training and no one has the ability to tell time. I will again be waiting until Midnight XXXX and see if the funds are to be released.. 

Side note the bank was gracious enough " as a courtesy " Release a {$1000.00} at the XXXX XXXX  CST time call. Also if find it very interesting that they dont have a supervisor available to talk to a customer when they have been treated so poorly.. AFter I pushed the issue and put on hold, I was told that I talked to my supervisor and they will call you back in 1 to 2 Business days. Really ... So they do have a supervisor available but not for customers. 

this a correspondance from their online response center.. 
XXXX - Axos  XX/XX/2020 @ XXXX XXXX  Hello XXXX XXXX, Thank you for contacting Axos Bank. I hope you are having a wonderful day! I am happy to assist you with your inquiry. After reviewing your account, please provide us with proof that funds have cleared the other financial institution and then we will be able to submit a request to release funds. Again we apologize for the inconvenience this may have caused you. We really appreciate your business and patience through these unprecedented times. If you have additional questions please let us know. 



We appreciate your business and commit to providing superior banking products, support and services. 



Best Regards, XXXX Axos Bank Customer Service If this person can release the funds so should someone else.
Product: Credit card or prepaid card

Bought a Netspend realoadable card at XXXX for {$100.00} + {$6.00} fee, on XX/XX/2020. As I was moving, it sat in a box for a couple of months, & when I tried activating it, their website would not let me. I then called them & they said it had been registered under a deceased person 's SSN. Since then, they've refused ANY kind of help. They insisted in having a copy of a receipt in order to unblock the card and/or refund me. They've also hung up on me an indordinate amount of times. It's taken me nearly 2 yrs to finally be able to get a receipt from XXXX, and now Netspend is asking for tons of other documents that are not germane to the situation. I've sent them the receipt, a photo of the card in my possession, PER THEIR REQUEST. Now they want my SS card+proof of address+ID card+Passport copy+Naturalization Certificate+paycheck stub, bank statement, proof of government aid, and a host of other things! They are NOT a bank, they are **a licensed provider of money transfer services**. Them asking for all this information is conducive to identity theft. As of now, they are stealing {$100.00} from me & are refusing since the year 2020 to refund it or reopen the card DESPITE MY HAVING SUBMITTED COPY OF THE RECEIPT THEY HAD SAID WOULD BE THE ONLY DOCUMENT THEY NEEDED.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 XXXX 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: Debt collection

This company is reporting false information about me - Im not sure who they even are
Product: Credit reporting or other personal consumer reports

I have no clue where the balance is coming from, it's invalid medical debt.
Product: Mortgage

I took a loan with XXXX XXXX company last year.. I sent them all payments on time to my knowledge.. A couple of months later I received a bill from Penny Mac loans XXXX I called XXXX confused.. They said they took over my loan.. So I started paying them, I had to figure out new contact info and such.. 6 months later, Penny Mac said I was late on a payment because when they bought my loan from XXXX, I had a late payment to them.. They paid for that in order to buy my debt from them, and now I owed them.. Took me about three months to come up with a double mortgage payment.. So I feel like I sent XXXX a check and was unaware that it should have gone to Penny Mac.. This is ruining my credit. Penny Mac wo n't correct it..
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX of 2023 myself and my wife went to XXXX XXXX in search of a new vehicle. Upon sitting down with the salesman and getting our initial information, he wants to go run my credit. We gave authorization for the credit to be ran XXXX singular time, after our initial rejection I was disappointed, but then the Salesman said let me see what I can do not informing me that he intended to run my credit score XXXX more times after that statement. Upon running it a total of XXXX times Im not sure where the approval came from but we were eventually approved. Let it be said that this was also done in the managers office away from our supervision. I As I am in the process of attempting to acquire a house and get my finances in order, I checked my credit score to find I had XXXX hard inquiries on the same day from the same establishment. I called XXXX XXXX, To discuss this and ask about their business practices, and the only thing they Said in response was you may have lost XXXX pts but we got you in a car didnt we? Any other time Ive done any kind of lending I Have always been informed about each time that my credit is about to be ran because of the risk that hard inquiries can have to have this done without my knowledge and against my consent Extremely duplicitous and unprofessional. Any business that operates like this with the knowledge of the damage theyre doing should not be allowed to exist in my personal opinion
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 {$5100.00}, {$2200.00}, {$3900.00}, {$9600.00}, {$4100.00}, {$0.00}. 
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 XXXX C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5100.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account. 

3. XXXXXXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9600.00} -This is not my account. 


-- AUTO ACCOUNTS 5. XXXX XXXX XXXX  with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$4100.00} -This is not my account. 

6. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Student loan

Re : PSLF.gov. I began application for PSLF in XXXX. I submitted the required information and signatures of the six churches I served. My application was consolidated somehow and some confusion about one of the churches was evidently resolved and it all went to XXXX. which has sent me a statement every month since. Beginning in XX/XX/XXXX they show XXXX payments. So for months I assumed I was good to go. 
Recently PSLF showed a new format where I can go to a page that shows my activities. On that page it shows one church, XXXXXXXX XXXX XXXX XXXX, once as complete and once under review. It omits another XXXX XXXX XXXXXXXX 's. I had XXXX online " chats '', the first two of which were ridiculous. One suggested I begin the whole application from the beginning. Another thought I might need to try another computer. The third said the name of the church doesn't matter as long as the EIN is correct and concluded the chat. But I was worried about the EIN and went back online to check EINs. I couldn't do that, but discovered a subsequent page which showed all XXXX churches I have served as complete. However they show XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, as rejected as of last XXXX for no apparent reason. I was never notified about this, and the two churches are no different from the other four, except that PSLF shows a little trash can emoji next to them. So I am objecting to the way this was handled, and of course above all I am determined to receive the thousands of dollars I believe are due to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to complain about unknown accounts in my profile. I am victim of identity theft and someone just used my personal information and filed this accounts. This is inaccurate information that does not belong to me. I am not related to any of these accounts at all. Therefore I am asking you to remove it and to do it as soon as possible. 

Thank you )
Product: Bank account or service

XX/XX/XXXX requested a copy of the escrow refund check cashed on our Chase Mortgage which closed XX/XX/XXXX. Received the check around XXXX/XXXX/XXXX and it is shown that my ex-husband did a deposit via phone with only his signature when the check was drafted to him AND myself. Bank of America-his bank should have rejected the check by law as well Chase should have drafted funds back to XXXX and re issued XXXX checks for payee not as endorsed. I went to the XXXX branch in XXXX, filed their paperwork for Fraud and have been advised that the issue is with Chase. Working for a bank myself, I know that they are not following protocol. 

Chase is not following up after multiple requests and letter sent to them XX/XX/XXXX. Chase, the issuing bank, should have rejected the check for payee not as endorsed and has not resolved. 

I need assistance to get these banks to rectify their error and fraud on my ex-husband 's side in cashing a check without my signature for payee not as endorsed. 

XX/XX/XXXX XXXX with XXXX called and advised that Chase needs to resolve the issue. No area to amend original complaint, submitting updated complaint for Chase Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions The Equifax, XXXX and XXXX did not provide proof or verify that this account is mine. I sent in letters 30 days ago asking that the Equifax, XXXX and XXXX verify the accounts with my signature on them and they have failed to do so. 

Below the uploaded documents also shows that the payment status and payment history for Equifax, XXXX and XXXX. Are not the same faulting in inaccuracies on my credit report for all three credit bureaus. Therefore I ask that the accounts are removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX