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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$760.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8200.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$780.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8200.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$780.00}. 

According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against PNC Bank for failing to address an unauthorized account on my credit report. Despite multiple attempts to resolve this issue, PNC Bank has not removed the unauthorized account, and the credit reporting agencies ( XXXX and XXXX ) continue to report this inaccurate information. The details of the account are as follows : - Account Name : PNC BANK, N.A. 
- Account Number : XXXX - Date Submitted : XX/XX/year> - Report Number : XXXX I did not open or authorize this account, and its presence on my credit report is causing significant damage to my creditworthiness. I have previously disputed this account with PNC Bank, yet they have failed to provide adequate verification or remove the account from my credit report. XXXX has already acknowledged the unauthorized nature of this account and removed it from my credit report, but XXXX and XXXX have not done so. 

PNC Bank 's actions constitute violations of several federal laws designed to protect consumers, including : 1. **Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681s-2** : PNC Bank has failed to fulfill its responsibilities as a furnisher of information by not reporting accurate information and not investigating disputes promptly and thoroughly. 

2. **Fair Credit Billing Act ( FCBA ) - 15 U.S.C. 1666 ( b ) ** : PNC Bank is required to investigate and correct billing errors, including unauthorized charges. This account represents an unauthorized charge that must be corrected immediately. 

3. **Truth in Lending Act ( TILA ) - 15 U.S.C. 1605 ( b ) ** : This section prohibits unauthorized accounts and charges on a consumer 's credit report. The presence of this account on my report is a direct violation of this provision. 

Despite providing substantial evidence and XXXX removing the disputed item, PNC Bank has not taken appropriate action to rectify the situation.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXXXXXX 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 or other personal consumer reports

XXXX XXXX company sent a request to XXXX on XX/XX/2021 for all the Credit bureaus to remove or delete XXXX and XXXX from my credit report. XXXX FURNISHER did not remove from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

NEW INFORMATION NEW UPDATE Notice of default and opportunity to cure. 

On XX/XX/2022 a claim was presented to Equifax violating my rights and unathorized disclosure pursuant to 15 USC 1681r. Equifax failure to comply within the 30 days required by Law. See Exhibit A.

I conditionally accept your offer upon proof of bona fide claim.

I have the right to Clear, Complete and Accurate information regarding my consumer report and consumer file. I also have the right to ask questions and you have a duty to answer them.

Notice Pursuant to 15 USC 1681b ( 2 ) -Permissible purpose of a consumer report. 

1. Do you have the authority to furnish anything on my consumer report or consumer file without my consent or written instructions? If yes, in good faith or under Penalty of Perjury please produce or provide sufficient evidence or documentary material facts to support your claim.

Notice failure to comply under law leads me to believe you may be committing FRAUD and shall incur a penalty and/or criminal liability of a XXXX XXXX dollars ( {$100000.00} ). 

Notice Pursuant to 15 USC 1681r further reporting of inaccurate or incomplete or unauthorized disclosure of alleged account reporting in question if you knowingly and willfully continue to be unlawful i will file a claim against you by way of Trespass, FRAUD, Breach of Privacy Rights, Dishonor and unauthorized disclosure by unlawful officers or employees of Equifax and shall incur a penalty and/or criminal liability of {$10000.00} a day upon receipt of this offer. 

Regards, XXXX XXXX a man
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX is violating my rights by reporting accounts that have reported as charged-off. I have not received a 1099-C from either one of these companies. 

According to 15 U.S. Code 1692e - False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. 

( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 

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

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: Debt collection

Received copy of Certificate of Service of Plaintiffs Post-Judgement Discovery Request to Defendant, filed in a MD District Court, without my prior knowledge of this or any previous judgements. This company appears to have deceptively and /or falsely filed court papers, in an attempt to extort or obtain money through questionable legal maneuvers for a long-expired debt ( 10+ years, as I can best tell ). This notice was sent in plain white envelope with nothing outside to indicate it contained a legal document or any proof of delivery required, appearing to be just a random piece of mail. This seems to be part of the companys tactics, so that important documents go unnoticed and/or not received at all, giving them justification to proceed with additional court filings, which are dubious if not deceptive. They have also reported to the court of serving such legal papers which were never received.
Product: Payday loan, title loan, personal loan, or advance loan

This loan was opened due to identity theft. Ive disputed with all 3 credit bureaus sent all supporting documents including ftc, report police report and more law state item must be blocked, and deleted from credit report apon receiving all accurate documentation also must be furnished with company pending further investigation m. To this day I filed multiple disputes reached out to company and nothing has happened d.
Product: Vehicle loan or lease

In the years XXXX I entered a 2nd agreement or loan with J.D. Byrider now know as Byrider in the XXXX and XXXX area in the amount of {$13000.00} for a XXXX XXXX XXXX. The vehicle had to have it's door and window replaced from an accident and was deemed a total loss just as the previous car I purchased from them was deem ( for the back bumper needing to be replaced ). The company told me that they had gap coverage for the vehicles. I had no problem before the vehicle was hit but after the incident JDByrider claimed to not have gap coverage and now reports the balance on my credit report. After several escalated phone calls it was determined that they were not going to be amicable about the loan and their agreement. 

When the truck was bought it was filled with red mud in the vents and carpet. Which was told by the salesman to have been worse than what I was seeing when it came in. 
Within a month of having the vehicle the transmission went out on it so I feel like they felt as though they would get more out of the vehicle by taking it back and reselling it themselves. While I the consumer, a single mother, who trusted them, reaped the re-processions of dealing with them years later.
Product: Mortgage

I called CitiMortgage today to try to get them to fix the Form 1098 issued to me for XXXX ( this is the same issue for which I filed a complaint last week, however, Citi switched servicing during XXXX, so I now have two incorrect Forms 1098 for the same mortgage ). 

My specific complaint is that I was told that my request to correct the error on my Form 1098 could not be submitted today, rather, that the request could be submitted only starting on XX/XX/XXXX. I would have to call back on that day, go through the 20+ minutes of prompts and three different representatives before I can even begin relaying the issue, and then report the same issue that I reported today.

Frankly, this is abusive. I see no reason why my request for a corrected Form 1098 could not be taken by CitiMortgage today, even though CitiMortgage is unable to process the request until XX/XX/XXXX. Even if Citi is so woefully understaffed that they can not take calls asking for corrections of tax forms, CitiMortgage should have told me that when they sent the Form 1098, not when I call in to ask for a correction.
Product: Mortgage

Caliber XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX CA XXXX XXXX XXXX A complete short sale package was submitted to Caliber on XXXX/XXXX/XXXX. The buyers offer was at $ XXXX. On XXXX we were told the value came back at $ XXXX. On XXXX we were countered to $ XXXX. ( which just happens to be the amount required for a full pay-off - see attached ) We called in on XXXX and spoke to XXXX XXXX. She stated that 2 days ago the investor stated they would no longer offering short sales as an option for a distressed homeowner. The only option the investor would offer was a foreclosure or a deed-in-lieu. I requested a copy of this notification and she said she did not have that, but I could talk to someone in the short sale department. 

XXXX then transferred me to XXXX XXXX. ON A RECORDED LINE XXXX stated the investor just changed their guidelines regarding short sales. XXXX refused to provide anything in writing regarding the supposed changes. XXXX stated neither Caliber nor the investor has to comply with State Law regarding notifying the homeowner when any foreclosure prevention option is removed. 

Furthermore XXXX was sexist and diminutive to me on the phone, constantly interrupting me with his pathetic oh-its-not-me-its-the-investor-im-just-trying-to-do-everything-I-can-to-help VERBOSE VERBAL XXXX. Unfortunately for XXXX, we have done a lot of short sales and a lot specifically with Caliber, and I know for a fact that he is lying. Caliber is a foreclosure mill and quite frankly we expected to have to file a CFPB complaint in order for them to follow the law.
So far, on this file Caliber has been rude, lied, diminutive, sexist, XXXX, committed elder abuse and mortgage servicing fraud. 

Since we have to file a CFPB complaint on every single short sale we have done with Caliber would you like a copy of each complaint? 

I want the CFPB to pull the servicing records for Caliber, as it is obviously an internal guideline ( written/official or not ) to force homes into foreclosure. ( Again this is not the first time Caliber has made up fictitious guidelines with us. )
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights. 

EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 has violated my rights.

I looked at my TransUnion Equifax Experian credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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

A Letter from The College XXXX XXXXXXXXXXXX XXXXXXXX XXXX Student Accounts dated XX/XX/2023 mailed and addressed to me, was received in my residence mailbox on XX/XX/2023 concerning my XXXX student account. This letter is informing me that my XXXXXXXX Student account details financial aid obligations of {$6800.00} to creditors used by XXXXXXXX XXXX XXXX XXXX Coast Professional Inc. XXXXXXXX XXXX Office of Student Accounts are advising me of their action to forward my student account obligations to the New York State Attorney General 's Office , for further collection proceedings.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Inaccurate information ( names ) I spoke with a representative from Experian about personal information and it was removed on the XXXX of XX/XX/XXXX and placed back on the credit report on the XXXX of XX/XX/XXXX XXXX
Product: Checking or savings account

Someone opened a fraudulent bank account under my name but is using a different email address. There is no way I can know what this email address was since it was not mine. Customer service can not help me because I do not know whose email address was used to open a fraudulent account under my name and the bank refuses to help me without that email address. The bank is Chime.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe that the creditor that has a negative collection on every one of my credit bureaus has a misunderstanding as to the responsible party to  the account. My husband XXXX passed away a few years ago, and the account belonged to him as the responsible party. Therefore, I respectfully request the credit bureaus to intervene and see that XXXX XXXX applies my rights under the Fair Credit Reporting Act and delete the account on every credit bureau respectfully.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report.

I am formally requesting the blocking and deletion of these accounts.

It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Company is in violation of 15 USC 1692 ( d ) ( a ) ( I ), and 15 USC 1681 ( 2 ) ( 4 ) which states A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt.

Without limiting the general application of the foregoing, the following conduct is a violation as furnishing information has and is causing me to be oppressed.

( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. 

Furnishing of a consumers credit report to order CRAs and without permissible purposes, and without my written unlawfully would make companies liable of criminal means which is proof of causing harm to my reputation which is unlawful.
Product: Mortgage

Re : New loan company Loancare changed loan amount Original loan was with XXXX went bankrupt, and the mortgage note was transferred to Loancare LLC in XXXX Pennsylvania ( XXXX. XXXX XXXX XXXX, PA XXXX ). 
The first direct debit of mortgage payment was for the correct amount of {$460.00}, the second payment was increase to {$990.00}. We notified the mortgage company that we pay our own property tax and homeowners insurance and requested that they make the correction. No correction has been made as yet, and it is very difficult to contact customer service by phone to resolve the matter. A certified letter was sent to the company XX/XX/2019 regarding the issue and we still have not gotten the issue resolved. 
The matter is in regards to property at XXXX XXXX XXXX, XXXX, NJ XXXX on the loan with Loancare LLC. 
Please advise. 

Best regards, XXXX XXXX & XXXX XXXX   XXXX Cell : XXXX
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, XXXX I was notified via email from PayPal that I had sold an oil painting to a collector in XXXXXXXX XXXX, XXXX for {$490.00}. USD. The collector had seen the work on my website. This was a first for me via PayPal. I logged on to my account and minus a fee of {$25.00} my account showed a balance of {$460.00}. On XX/XX/XXXX I had to go to Paypal 's Resolution Center to provide additional information which I gave.I provided a link to my bank account. I called PayPal who told me to upload info about shipping info via USPS which I did. I was told money would be transferable when my package was received by XXXX purchaser. I tracked progress of shipping through USPS and purchaser received the painting XX/XX/XXXX. On XX/XX/XXXX I received an email from PayPal saying my info was under review. On XX/XX/XXXX I received another email from them saying that I can no longer do business with PayPal. I called again. On XX/XX/XXXX XXXX AM another email said my acct. had been partially restored. At XXXX another message said I can no longer do business with PayPal XXXX 
This is outrageous behavior : what have I done wrong? I am caring for a sick wife with XXXX  XXXX and need the money now, not in 180 days as PP said. If this can not be resolved I have no choice but to contact a lawyer and sue, something I have never done in my XXXX years.
Product: Debt collection

Receive notice of debt in mail, letter dated XX/XX/2019 before I even tried to dispute it, it is on my credit report. Its a hospital bill that my ins company has no report of.
Product: Debt collection

Last XX/XX/XXXX I received a letter from Barclays Bank demanding payment on loan for XXXX XXXX XXXX XXXX. I returned their letter with handwritten statement explaining I tried using the vacation club to no avail even after speaking to Manager to fix the problem. Payments were to be automatically removed from checking account. Went back to XXXX office again to discuss issues but manager didnt have time for me and was to call me, which never happened. Why should I pay for something I cant or allowed to use as sales pitch promised. Felt from the very beginning I was being scammed and as a XXXX year old female, I still feel this way today. 

Now yesterday I received a three-day notice. We are seniors battling XXXX fight and dont need added stress to something I tried to resolve from beginning two years ago when first purchased this vacation plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to this company multiple times requesting that they review the " late payment '' shown on my credit report from XXXX of 2020. The last attempt I was told that I would have to reach out to the credit bureaus from correction. That doesn't make sense. It is inaccurate why would the solution be to contact the reporting bureaus. I am a long-standing customer and I make all my payments on time. Please correct this ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/2023 XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX