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

It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that needs to be removed in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXXXXXX Balanceed Owed : $ XXXX XXXX XXXXXXXX Balanced Owed : {$1000.00} XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX Balanced Owed : {$3100.00} XXXX XXXX Balanced Owed : {$250.00} XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Balanced Owed : {$0.00} XXXX XXXX XXXXXXXX Balanced Owed : {$1000.00} XXXX XXXX XXXX Owed : {$0.00} XXXX SER XXXX Balanced Owed : {$250.00} XXXX  XXXX Reference # : XXXX Date Filed/Reported : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXXXX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Owed : {$0.00} XXXX XXXX XXXXXXXX Balanced Owed : {$1000.00} XXXX  XXXX Balanced Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX : $ XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX CO XX/XX/XXXX XXXX  CA XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE THE FOLLOWING HARD INQUIRES : XXXX, XXXX & XXXX UNDER XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX, XXXX I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT NOR THEREFORE ANY SUCH DEBT, IN FACT EXISTS I PRESUME THAT NO PROOFOF THE ALLEGED DEBT, NOR THEREFORE, ANY SUCH DEBT, IN FACT THEREFORE EXISTS PURSUNAT TO 18 USC 8, L OWE NO DEBT, THIS COMPANY IS VOLAITING MY CONSUMER RIGHT TO PRIVACY PURSUNAT TO 15 USC 1681 -B2 COMPANY HAS NO PREMISSION TO REPORT MY INFORMATION PER 15 US 16814.

PLEASE REMOVE THE FOLLOWING HARD INQUIRES :
Product: Debt collection

Navy federal credit union threaten to report my car stolen when I was unable to make payments. I stopped driving the car, thinking they would just come get the car. It was stolen and I never reported it as stolen based on them telling me they were going to report the car stolen against me. For years they tarnished my credit even still even though this occurred almost 7 years ago. They report inaccurate information to the credit bureaus and have kept me in a state where I havent been able to recover. I had XXXX insurance I was going had filed for XXXX with the XXXX while this was happening I was working due to my XXXX and couldnt make the payments. I am now XXXX XXXX XXXX when I tried to get them to honor the XXXX insurance they refuse. Ive written to the ceo to no avail. I saw they had to pay I deserve some of it due to their business practices. Please help! I still have the recored conversations.
Product: Credit card

Capital one approved me for a XXXXXX/XX/XXXXand since approving me they keep telling me to send my identification cards to verify my identity, and I do every time and then they call me saying the pictures are blurry when I send them my identification cards on 26 different occasions and they keep telling me to send it again.
Product: Credit reporting or other personal consumer reports

In according with the Fair Credit Reporting Act account name XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX PA XXXX 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15 U.S.C. 1681 Section 2 : It also States Consumer Reporting Agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Credit Accept XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Card services I have a lot of banks on my credit report that ran my credit and I didnt know about it
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been actively trying to fix my credit for quite a few months now. It has been brought up on all 3 of my credit reports ( XXXX XXXX and XXXX ). I have sent letters to the credit bureaus about the incorrect information in which they responded that my dispute was denied. I have filed a police report with my local Police Department as it is identity theft and I am now currently contacting each creditor to have the false information corrected on my credit reports, I was given the advice to file a complaint and will be sending a copy of complaint to each creditor as well.
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. 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 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.

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 1002 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: Debt collection

This organization has sent notifications to me regarding a debt that is not mine. I have mailed an affidavit stating such, and they have not removed this from my record. 

I never opened an account with this entity or any of its affiliates. I have stated this in my response affidavit to the alleged said debt of {$800.00}. I also do not have any credit cards in my possession at this time, other than two debit cards from two banks. I do not agree to any contract unless I can sign it with my wet-ink signature. Otherwise, I do not contract in any way. 

This organization knows this as I have explained it to them before. But they continue to send me itemized documents, balance sheets, payments and payment notices, et cetera, to an account I have never had anything to do with. They have not shown me any proof I hold an account with them, and they will not find such proof, thus needing to remove this damaging report from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 UL.S.C. 1681 Section 604 a Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed inaccurate negative information being reported to my credit report on XX/XX/2021 and did not receive any investigation results and these inaccurate items still remain on my credit report. They are in violation of the FCRA for not performing an investigation as I requested. The following unverified information still remains on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a late pay with capital one credit card i contacted capital one XX/XX/XXXX because this was still showing on my XXXX  credit report and per my research this late pay should fall off after 2 years. The representative stated that this would fall off automatically, but at this time it still shows on my XXXX  credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

XX/XX/year> I mailed my FTC Report to Equifax. I have inaccurate information reporting on my consumer report. Which is a violation of federal law. I will be filing a civil suit.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Financial Control Services , LLC ( FCS ) is in violation of multiple provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Specifically, FCS has violated the following provisions of the FCRA and FDCPA. 
FCRA : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) 15 U.S.C. 1681s-2 ( a ) ( 3 ) FDCPA : 15 U.S.C 1692c ( c ) 15 U.S.C 1692e ( 2 ) ( A ) I originally received correspondence from FCS of an alleged debt dated XXXX XXXX, 2015 ( Attachment : FCS Debt Notification ). I replied to FCS in regards to this correspondence on XXXX XXXX, 2015 asking for validation of the alleged debt ( Attachment : Debt Validation Letter to FCS ). I also requested that FCS " cease and desist. '' This correspondence to FCS was sent via United States Postal Service ( USPS ) using certified mail receipt and delivery confirmation. My correspondence was received by FCS on XXXX XXXX, 2015 by FCS 's employee XXXX XXXX ( Attachment : FCS Dispute Letter Receipt ). FCS provided correspondence dated XXXX XXXX, 2015 ( Attachment : FCS Dispute Response ) in response to my dispute notification. In the correspondence, FCS stated that they were ceasing collection efforts and removing the account from all consumer reporting agencies. 

On XXXX XXXX, 2015, I received a notification from my credit monitoring service, Identity Guard, that a new account had been placed on my credit report. This account was an alleged collection account reported by FCS with a balance of {$620.00}. This is after FCS stated that they were ceasing collection on this account and that they were not reporting the account to the consumer reporting agencies. 

FCS is in violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) because they are reporting information that they know is erroneous. FCS is also in violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) because they are reporting information after I sent them notice of the inaccuracy of this debt and they confirmed the errors. Additionally, FCS is in violation of 15 U.S.C. 1681s-2 ( a ) ( 3 ) because they have not annotated the account as disputed and are still reporting this disputed account on my credit reports. 

FCS is in violation of 15 U.S.C 1692c ( c ) since an employee named XXXX at extension XXXX contacted me several times after I provided written notice to FCS to cease communication. FCS is also in violation of 15 U.S.C 1692e ( 2 ) ( A ) by falsely representing the amount and legal status of the debt. 

As per evidence presented above, FCS is in violation of multiple provisions of the FDCPA and the FCRA. I request that FCS delete this tradeline from all consumer reporting agencies including, but not limited to, XXXX, XXXX, XXXX, and XXXX.
Product: Credit card

Chase card advertised sign up bonus of flyer miles/points. I qualified and the online account shows the rewards as 'earned '. My airline flyer account and airline customer service say the points have not been credited. I have been desperately calling/emailing both Chase and the airline to resolve this issue for more than a month to no effect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect items on my credit report. It's been over 30 days and I have not received any investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a VICTIM of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation of INACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit
Product: Credit reporting or other personal consumer reports

I am in disagreement with the item listed below which still appear on my credit report, even after your XXXX. I would like this item immediately re-investigated. This inaccuracies is highly injurious to my credit rating. 


- XXXX BANK XXXX - XX/XX/year> The following inquiry was not and should not be reporting. 

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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: Bank account or service

In the course of banking with Chase I was given the option for overdraft protection and chose to decline all overdraft protection so that if a charge was made that I did not have the funds to cover Chase would decline the charge. I believe I made this choice sometime around 2010 and it worked beautifully on the few occasions that it became an issue. 

Sometime between then and now they began allowing overdrafts again, this changed without my knowledge or permission. I have not agreed to any overdraft protection but have, once again, paid the occasional overdraft fee. Each time I have spoken with a Chase representative and am told that they never offered the option to decline charges and that the decision to allow overdrafts is made by a computer algorithm.
Product: Credit card

Synchrony Bank closed my revolving account that had XXXX balance, no negative marks or past due history without notification. When contacted was told they closed it due to negative account history with other Synchrony accounts, and a negative mortgage mark on my credit history. Upon additional review.. I have two other accounts with this same credit company with no negative history with are and have been current for a long time. My mortgage was disputed due to fell behind while was in the process of selling. The house has since sold and balance is XXXX. I feel things are not being reported correctly which has impacted my ability to obtain credit at the time I needed to use it.
Product: Mortgage

XX/XX/XXXX RESPONSE FILED WITH THE CFPB Property Address : XXXX XXXX XXXX, XXXX, AL XXXX XXXX XXXX XXXX Executive Client Relations XXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXX XXXX Copy sent via XXXX Mail XXXX XXXX XXXX, XXXX PNC BANK Tower at XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Washington DC XXXX Subject : The Statute of Limitations on Mortgage and Foreclosure Fraud is 10 Years from the Date of Discovery of the Fraud Dear XXXX XXXX XXXX ( no last name provided ) : This is in response to your, what we consider, non-answer to our complaint. 

Our Research After our Initial Surplus Funds Complaint Discovered the Fraud Our research discovered the mortgage and foreclosure fraud of PNC Bank after we initially filed a complaint for refund of the misappropriated surplus funds from the foreclosure of our property. 

Our discovery of the mortgage/foreclosure and the complaint we subsequently filed with CFPB against PNC Bank has essentially superseded the issue with the of surplus funds misappropriation. 

On paragraph 3 of your letter, you repeated our complaint ( CFPB No XXXX ) that PNC fraudulently falsified and fabricated the Assignment of Mortgage, pretending to be an employee of the XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ). 

No Challenge to Our Complaint of Willful Fraud Then you essentially did not challenge our complaint of willful fraud ( thereby essentially admitting to it ) and instead in, paragraph 4, you said the time to challenge the foreclosure has long passed. 

Please check with your legal counsel, the statute of limitations on mortgage and foreclosure fraud is 10 years from the time of discovery. 

Our research, after filing our initial complaint for misappropriation of foreclosure sale surplus funds, forensically and carefully examined all the documents PNC has filed regarding its foreclosure action on our property. And that is how we discovered the blatant forgery, fabrication and fraudulent manipulation of the Assignment of Mortgage. It proves that PNC Bank maliciously intended to defraud us. 

The Assignment of Mortgage Itself Bears the Proof of Fraud As we have marked and annotated, the Assignment of Mortgage itself is, on the face of it, appears to be the living proof and the XXXX XXXX evidence of the willful commission of fraud by PNC Bank. 

We stress and note that you did not challenge our discovery of the fraud which to us is an admission of PNC Bank complicity and guilt. We are not sure what bank records would dispute that. 

No Proof Provided that XXXX XXXX Had Requisite Authority Your claim on the 2nd to the last paragraph that you have confirmed that XXXX XXXX had requisite authority to execute the assignment on XX/XX/XXXX, we believe, is a lie. 

If she had that authority, it would have been made part of the assignment recorded in the public land records or attached to your response. In any future civil suit discovery, we plan to subpoena this claim of yours that XXXX XXXX had requisite authority. 

We believe that that legal mechanism will allow us to prove you are lying. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX /attachments
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020, my credit rating score ( XXXX ) was XXXX. In XX/XX/2020, that score dropped to XXXX, a difference of 16 points. The reason given : " No recent revolving balances ''. In XX/XX/2020, my credit rating dropped from XXXX to XXXX, a change of 21 points. Again, the reason was " No recent revolving balances ''. This is a change of 37 points in 2 months simply because I have no balanced on my credit card. I am being penalized for paying my bills in full. This is beyond ridiculous. Currently, there is a pandemic going on in the world, In the U.S.,  people are facing financial hardships, losing their jobs and their income. I chosen earlier this year to ensure I had no debt. Now I am being punished. 

I am presently applying for a mortgage and am not being given the best rate because my credit rating is low ... and I suspect that it will drop again next month. All because I have no debt! 

Stop letting the credit rating agencies XXXX the citizens of this country. These agencies want the citizens to have low credit ratings so that the banks can then justify charging us higher interest rates. It is a big scam.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, & Equifax continue to report incorrect information on my consumer report even with all my repeated attempts to get this information deleted from my reports. The account listed as XXXX XXXX XXXX has a lot of inconsistencies like High Balance : {$20000.00} {$20000.00} {$12000.00} Last Verified : XX/XX/XXXX - -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Closed Date : XX/XX/XXXX -- Creditor Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Charged off as bad debt Profit and loss write-off Voluntary surrender. 
Unpaid balance reported as Fixed rate a loss by the credit grantor. 
Charged off account XXXX XXXX : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Furthermore an account can not report as a collection and have late payments. The credit bureaus are purposely failing to provide adequate information to reflect my credit worthiness which is causing me significant damages and they lie to the CFPB stating they have fixed the account and its information but they did not.