23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I have been waiting for my direct deposit for about 3 days now, and have had little to poor communication from my bank ( capital one ), they only sent out an email 24 hours after there had been continuous issues and have yet to resolve this issue for myself and, for what seems now, thousands of other people. I ask that this be investigated fully, as not having access to my account for 3 day is quite ridiculous and serious.
Product: Credit reporting

i has been waiting on the validation of this debt for almost 2 months XXXX {$2900.00}
Product: Credit reporting or other personal consumer reports

TransUnion keep delaying/starting reinvestigation for the reason to protect me and to send supporting docs identifying me A GAME I have sent them XXXX times copies SEE ATTACHED
Product: Debt collection

I requested that XXXX XXXX XXXX send me a copy that I owe them {$430.00} dollars. That I took out a credit card with them they said they dont have to verify the debt owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has not updated my credit report since XX/XX/XXXX and it is now XX/XX/XXXX. I need an updated reported so I can make sure I have all the inaccuracies to file in my disputes. 

I sent a certified letter to them on XX/XX/XXXX. I have my personal info and all of my credit history in the letter. The tracking stated on XX/XX/XXXX that it arrived to the facility and was picked up but today XXXX  XXXX, XXXX. I received the green portion of the certified mail and didn't understand. I looked up the tracking and it stated that it was now being sent to Tracking Number : XXXX Copy Add to Informed Delivery Latest Update Your item could not be delivered or returned to sender. As of XXXX XXXX  on XX/XX/XXXX, it is being forwarded to the USPS Mail Recovery Center where it will be processed. 

Alert Sent to Mail Recovery Center XX/XX/XXXX, XXXX XXXX  In Transit to Next Facility XX/XX/XXXX Arrived at USPS Regional Facility XXXX TX DISTRIBUTION CENTER XX/XX/XXXX, XXXX XXXX  Departed USPS Regional Facility XXXX NJ DISTRIBUTION CENTER XX/XX/XXXX, XXXX XXXX  Arrived at USPS Regional Facility XXXX NJ DISTRIBUTION CENTER XX/XX/XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am a federally protected consumer and I am filing this complaint against Equifax. Equifax is in direct violation in regards to the information that is being furnished on my consumer report. I would like to state that Equifax is in violation of 15 USC 1681b ( a ) ( 2 ), which clearly states that information furnished must be in accordance with the written instructions of the consumer. I, the consumer, never gave Equifax any written consent to report anything on my consumer report. NO CONSENT = IDENTITY THEFT. The following inquiries are being fraudulently furnished. I did not authorize, benefit from, nor consent to these inquiries and I demand they be removed from my consumer report immediately : XX/XX/2020, XX/XX/2020. If these inquiries are not removed, I will hold Equifax criminally liable for willful noncompliance and aggravated identity theft pursuant 15 USC 1681a ( q ) ( 3 ) since fraud is being committed using my identifying information. These negative items on my consumer report are preventing me from having a fair and equitable consumer report according to 15 USC 1681b. If Equifax can not provide to me a copy of when I sent a written permissible purpose to validate this inquiry, I demand for it to be deleted in 4 days. Enclosed is the FTC Identity Theft Report which states the above mentioned inquiries that are being fraudulently furnished along with a letter from XXXX XXXX XXXX stating they are unable to remove inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$940.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file.

" I am not requesting the verification or validation of any of these accounts. The accounts that are enumerated MUST be deleted. I am requesting that the credit reporting agency adhere to fair and equitable practices. I will file a complaint for default judgment on minor claims as a result of your violations. The credit reporting agency is required to remove any account that I identify as alleged identity theft in accordance with 15 U.S. Code 1681c-2. The accounts that must be removed are as follows. I am expressing my dissatisfaction with the contents of the attached file.
Product: Debt collection

On XX/XX/year> I contacted XXXX XXXX to resolve associate collection i had with my children 's place Credit card to help improve my credit. 

In the past a they've have a collection in my name from synchrony bank with they stated was for furniture. I disputed it because I have no knowledge of that account. It was also so long ago that that can't even report. 

They knowingly took my money I paid for the children 's place card and put it on an account that doesn't belong to me. 

This is hindering my credit and my money shouldn't have went towards an account that I never approved of. 

The guy on the phone kept repeating the wrong amount from the account I was trying to pay because he knew that he was intentionally crediting the wrong account.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these accounts were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed 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
Product: Checking or savings account

WE ARE : XXXX XXXX XXXX and XXXX XXXX XXXX, co-conservators of XXXX XXXX XXXX. Account # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Branch of Bank of America ( B of A ). 
XXXX XXXX is Power of Attorney for XXXX XXXX ; signed and notarized XX/XX/XXXX. This POA is on file with B of A. XXXX pays the XXXX 's bills including Share of Cost checks to the nursing home where XXXX lives. 
THE PROBLEM : When we became conservators XXXX and I went to B of A ( XX/XX/XXXX ) to register the Letters of Conservatorship and open the court required Conservation account. We hoped to continue banking at that branch. The meeting did not go well. By the beginning of XXXX, XXXX, the bank had : 1. Refused the Letters of Conservatorship. Demanded that the Letters be changed. 
2. Cancelled XXXX 's POA because : " You showed us this ( the Letters ) and this deletes POA. '' 3. Frozen the conservatee 's account. The bank is now " taking care '' of her ( her NAME is : XXXX XXXX XXXX ). 
4. Contacted the nursing home where XXXX lives. The banker told staff : a. Determined that Share of Cost checks written by the POA to the nursing home would no longer be honored by B of A. 
b Instructed the nursing home to access payment directly from XXXX XXXX 
c. Opened a Financial Abuse case. We've received no information on this - just gossip. 
d. Slandered the conservators by telling random nursing home staff debits for clothing were financial abuse. A nursing home resident, " doesn't need much. '' Every past debit is evaluated as " financial abuse. '' This unacceptable slander places XXXX 's health care in jeopardy. XXXX  nursing homes do not prefer XXXX customers . Good will between nursing homes and for Conservators of XXXX XXXX is fragile. 
5. Refused two Share of Cost payments written by the POA to the nursing home.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX XXXX deposited XXXX into my PayPal account for PUA. PayPal then limited my account asking for documents to verify myself. I sent in all requested documents. PayPal then proceeds to close my account and lock my money inside. They told me they will release it in 180 days. Six months from now! Thats not right! Its illegal to hold someones money that long. They have been doing this to thousands of customers. How are they still getting away with this? Is there anything we can do??
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loan with the XXXX XXXX XXXX was paid off in full in 2017. In XXXX of this year my student loan appeared on my XXXX credit report as having a balance of {$180.00}. I had already received refund checks for over payment of this loan so there definitely was not a balance remaining. I contacted the XXXX XXXX   XXXX to correct the problem. They told me they would correct it and the correction would reflect the next time it is reported to the credit bureaus. It was not corrected. I contacted them again along with disputing the error with the credit bureau. XXXX turned around and removed the acct all together which took care of that issue with that one credit bureau. However it was now being reported incorrectly with Experian. I reached out and again I was told they would correct the problem so the acct would reflect correctly in haven been paid in full. This was now the month of XXXX. In correcting the error an additional error was made. Instead of back dating the correction so the changes appeared during the period in which the acct was open the date of the activity was dated for this year which made my paid in full close acct show a missed/late payment in XXXX of this year. How can I miss a payment of a loan that is clearly paid in full? I have disputed this problem multiple times. I have sent emails, made calls, placed disputes on the acct and for 3 months now i have been stuck in limbo trying to secure a home loan and can't because of someone else 's error. I have been able to access my acct acct history for the government loan website and the error is clearly stated in the dating of activity on the acct. I have just received notification that my last dispute as been resolved and the changes reflected after the dispute are no changes. Everything is exactly as it was before my dispute.
Product: Debt collection

I saw a doctor on XXXX XXXX, 2016. I was never billed, nor did I owe any sum. The doctor had my correct billing address. State Collection Services sent a collection letter to my father 's address for {$25.00}. I received recorded phone messages, even when I actually answered the phone, making me believe this agency was phishing and it was a scam. I confirmed twice with the provider that that fee was already settled, that I owed nothing. State Collection services told me, falsely, today, that the provider would not know if the fee was still owed because their account would be closed. On a previous call, they told me they would contact the provider. They did not do so. The provider confirmed today that they never work with State Collection Services and that this likely a scam. State Collection gave their phone as XXXX. Their mailing address is XXXX XXXX, XXXX, WI, XXXX, their physical address is XXXX XXXX XXXX XXXX, XXXX, WI, XXXX
Product: Debt collection

This is the 3 time I have disputed and filed a complaint with the CFPB and the FTC over accounts XXXX XXXX XXXX # XXXX, # XXXXThird-Party Collection Agency unable to validate the debt. Other problems have included debt buyers selling with accounts with one creditor and then being collecting by another who allegedly purchased the debt ( Smith v. Mallick, 514 F.3d 48 ( D.C.Cir. 2008 ) ), disputes between debt buyers over who owns which account when buyers have purchased partial portfolios ( Wood v. M & J Recovery LLC, CV 05-5564, 2007 U.S. Dist. LEXIS 24157 ( E.D.N.Y., April 2, 2007 ) ( dispute over who owned the 1/5th of a portfolio that included the debtor 's account ), or debt buyers attempting to collect monies in excess of the balance of a previously settled debt ( Overcash v. United Abstract Group , Inc., 549 F. Supp. 2d 193 ( N.D.N.Y. 2008 ) ) there are so many violations I don't which one to start with. All of these accounts are fraudulent until I see PROOF OF CHAIN OF TITLE OF OWNERSHIP!! I have not received any documentation from any of the above companies and I request again that proof of Claim and verification.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I noticed in my consumer report there is a charge off reporting to my credit report by the XXXX major credit reporting agencies. The charge off is reporting and its illegal according to the IRS cancelled debt rules. IRS cancelled debt is income. I attached a screenshot of the IRS cancelled debt general rules. 

Section 1681 of the Fair Credit Reporting Act ( FCRA ) actually pertains to the responsibilities of consumer reporting agencies regarding the accuracy of consumer reports. Under this law, it is illegal for consumer reporting agencies to include charge-offs, on a consumer 's credit report. Charge-offs are considered cancelled debt and according to the IRS cancelled debt is considered income, income can not be reported in a consumer report. The document attached is a screenshot of the IRS cancelled debt general rules. Any attempt to report charge-offs on a consumer report in violation of the FCRA 's guidelines outlined in section USC 1681 is considered illegal. Compliance with the FCRA is crucial to protecting consumers ' rights and ensuring the accuracy of their credit information. 

I hereby assert that the XXXX major consumer reporting agencies have violated the Fair Credit Reporting Act ( FCRA ) by including inaccurate and defamatory information on my credit report, specifically regarding charge-offs, and collections. This action has resulted in significant financial harm and emotional distress. As such, I intend to seek litigation against these consumer reporting agencies to pursue damages and ensure accountability for their actions.

I am formally requesting that the three consumer reporting agencies promptly delete the inaccurate and defamatory accounts from my credit report according to the IRS Cancelled Debt rules. These erroneous entries, particularly regarding charge-offs, and collections are in violation of the Fair Credit Reporting Act ( FCRA ) and the USC 1681 theses errors has caused considerable financial harm and emotional distress. I expect immediate action to rectify this situation and restore the accuracy of my credit report. Failure to comply may result in further legal action. 


ACCOUNTS : XXXX XXXX XXXX XXXX I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX
Product: Mortgage

I sold my home and paid off the mortgage with Arvest Bank on XX/XX/XXXX. I have not received the escrow " difference '' in the amount of around {$2600.00} as of XX/XX/XXXX. They first said it was mailed to the " address on file '' which was the home that was sold. ( I did complete paperwork at closing with a forwarding address for all post closing issues ) I reached out via email to their mortgage customer service and received no response. The next day, I called and they said they would re-issue the check next day and mail it to the correct address. This was 2 weeks ago. I still have not received the check. I have called to verify it was sent the next day and they assured me it was. This is the 2nd huge issue I have had with Arvest Bank Mortgage Division and it was also an escrow issue. When I refinanced my loan with Arvest back in XXXX, they neglected to update my insurance information and when it came time to pay the insurance premium, they paid the wrong company causing several issues including my insurance to lapse and my mortgage payment to go up.
Product: Credit reporting or other personal consumer reports

I am victim of identity theft through the XXXX data breach. Attached is a full identity theft report with all fraudulent accounts. It is against consumer law to report fraudulent account to consumer credit reports. This account needs to be blocked as well. 

Experian Fraudulent Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

LOANS FORGIVEN - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The above loans have been forgiven, according to a notification that I received via email from the US Department of Education.

Unfortunately, the forgiven loans are not appearing as PAID IN FULL on my three ( 3 ) credit bureau reports. 

I believe that the loans, although paid by an outside source, should be reflected on my credit report. 

Thank you in advance, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I, XXXX, XXXX XXXX, federally protected consumer, a natural living being of majority status conducting the style and condition of The Principle and XXXX XXXX XXXX, and not an infant/minor, have the right to make sure my private, non public information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXX XXXX XXXX, XXXX BXXXX XXXX XXXX XXXX XXXX XXXX are all financial institutions by definition under that title. 

According to 15 U.S.Code 1681c-2, this is my official statement that all the listed accounts have been reported without my expressed written consent and therefore is a result of identity theft and must be removed. These accounts are not related to any transaction made by me, the consumer. 

I am the card holder which was issued to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX so that I can receive a open end account with them ; to receive payments with them and defer. 

I have opted out and rescinded any authority I may have given XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to report about me to any 3rd party, and I have a right to privacy, which is attached to this complaint. 

TransUnion needs to provide strict proof that the alleged creditor ( XXXX XXXX XXXX XXXX XXXX ) is, indeed, the secured party and holder in due course of the aforesaid alleged original agreement in issue and has an enforceable perfected security interest therein pursuant to and in compliance with the Uniform Commercial Code ( U.C.C. ) Section 9-203, Section 9-204 ( 1 ), and Section 9-305, or equivalent sections of the Commercial Code of New York State OR remove the account immediately as it is a result of identity theft.

TransUnion and its affiliates listed above are also in violation of the previous conditional cease and desist what was attached to the complaint ( s ) and Opt Out Notice ( s ) which have not been honored.

Ive requested my consumer file numerous times and haven't received it, only my consumer report which still shows inaccurate non-public information. ( proof has been attached ) Please See Attached Documents which include the following : Exhibit A : Affidavit of Truth/ Cease and Desist/Settlement offer Opt Out Confirmation ( s ) Identity theft report Passport Card ( Identification ) Power of Attorney/ CAF Notice/ Fee Schedule Invoice
Product: Mortgage

I put a house up for sale XXXX XXXX for XXXX. I signed a re-modifaction in XXXX not understanding the full ramifications ofthe re-modification. The outstanding principal listed on the orgimortgage service web site and on statements listed the same amount of {$180000.00}, The payoff amount issued by the mortgagelisted an arrears amount of {$33000.00}. My final take on the saleminus normal other expenses was approx. {$1000.00}. I feel this is a gross\gross injustice. The servicer was Seterus inc. XXXX purchased the home in XXXX. I had to refiin XXXX.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605 b ( 15USC S1681 C-2 ) That you, The Trans Union Credit Reporting Agency Block Information apparent on my consumer credit report that is the result of identity theft and fraud within four business days of you receiving this complaint. This fraudulent inaccurate and false information consists of a personal credit card account a collections account a cellular account through educational accounts secure loan accounts These accounts have resulted in several fraudulent XXXX inquiries and fraudulent collections in charge-offs apparent on my consumer fecal credit report I've attached a copy of the FTC identity theft criminal complaint Report number XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts collections and inquiries are the result of affinity theft and fraud.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX Balance {$3600.00} ( Original Creditor : XXXX XXXX XXXX XXXX Balance {$240.00} XXXX XXXX XXXX Balance {$3600.00} XXXX XXXX XXXX XXXX {$3600.00} XXXX  XXXX Balance {$1000.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance {$390.00} XXXX XXXX Balance {$2200.00} XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX