23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I previously submitted documentation prior directly to the bureaus most recently XX/XX/XXXX and no action was taken. 

Consumer Name : XXXX XXXX XXXX, XXXX Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXXXXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant ta FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the transunion 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 The following accounts that appear on my credit report : 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.

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

Account Name & Numbers XXXX XXXX has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX XXXX XXXXXXXX has violated my rights. 
XXXX XXXX XXXXXXXX has violated my rights. 
XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXXXXXX has violated my rights. 
XXXX XXXX XXXX has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXXXXXX has violated my rights. 


The above listed accounts 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 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 the information is inaccurate.
Product: Payday loan, title loan, or personal loan

In XXXX XXXX 1990 I 've purchase a mobile home and finance it thru XXXX XXXX XXXX located in XXXX XXXX XXXX for 20 years, when the loan was paid in full they were supposed to send me a tittle, never received any documents from this company, now few years later I 'm trying to sell my mobile home to find out that Greentree still as a lien holder on my property that was fully paid long time ago, After many many phone calls to Greentree ( now Ditech ) finally got some documents but they are photo copies and the lien satisfaction letter is not an official form signed by this company even though Ive faxed the form to them the DMV can not process a transfer without the original title and a lien satisfaction form, I 'm tired to called them without results, I need some help so i can transfer the property to the buyer they told me to go to the DMV that there is not issues but the DMV tell me different and in the mean time there is not solution.!!
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$220.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$30000.00} XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX -- {$3200.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$450.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$3700.00} XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$720.00} XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX -- {$670.00} XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$3000.00} XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$500.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$1100.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$500.00} UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit card

I used my XXXX bank account to send money to BANK of America Visa credit card in the amount of XXXX. The problem is I accidently sent it to XXXX Credit card account which didn't have a balance on it. The payment should have gone to my Visa credit balance. So, I called Bank of America and was told that it would be no problem the money could be sent back to XXXX. This happened XX/XX/year>. I have called BANK Of America multiple times over the past 4 months and have been told that the money was sent back, the money will be held by BOA for two billing cycles and then sent back to XXXX. I even had XXXX do a dispute to look for the money and they determined that the money had not been sent to them. I am not sure what else to do. I am being told by BOA that they will have to take another two billing cycles to investigate the problem. If someone could please assist me with this I would be grateful. I did send a letter to the main business office and have not heard anything.
Product: Debt collection

I had paid all my debts off in 2015 and have never received a bill from these people since so I 'm sure it was paid and they called me and I have asked for them to send messages bill and they gave me my address and I still to this day have never received a bill so I believe they are trying to double collect on this beings out the blue I get calls from these people and this was put on here after several years and no bills and knowing I payed everything off that I was billed for they went back and trying to collect again
Product: Credit card or prepaid card

I was a victim of credit card fraud of about {$40000.00}. All documents were submitted to Bank of America on XX/XX/XXXX. Bank of America completed their investigation and sent me a letter dated XX/XX/XXXX that the investigation was complete and ruled in my favor. Within a few days all those charges appeared on my new credit card. Bank of America also allowed XXXX Unauthorized credit increase approvals on XX/XX/XXXX for {$38000.00} and in XX/XX/XXXX for {$48000.00}. At the time of initiating the fraudulent activity, Bank of America removed those charges temporarily to investigate. However, they did not carefully investigate the Credit Increase requests that predated the fraud. The last request they received to increase credit was XX/XX/XXXX for $ XXXX but this was declined. All this information is what I gathered from Bank of America Fraud representatives. Now they have reopened the case, they have connected with XXXX, where all the fraud occurred but are unable to remove the $ XXXX from my new Bank of America card, for which I had reduced the credit limit to $ XXXX once the fraud was discovered. So now it appears that I am $ XXXX above my credit limit. They said they couldn't move that money off temporarily but that they would report back to the 3 credit bureaus once this is all rectified and help to repair the credit score. All the transactions were made on a compromised XXXX account. XXXX completed their own investigation and concluded that nearly $ XXXX of charges were Unauthorized. I have attached a detailed letter with multiple specific references from both Bank of America and XXXX. The letter will also be faxed and mailed certified to Bank of America. I called them today, XX/XX/XXXX to let them know that I would also be reporting them to the CFPB since they have completely mishandled investigating this sizable case of fraud. Lastly, I have an excellent XXXX score over 25 years so this episode is entirely inconsistent with my track record and I fully expect Bank of America to resolve this quickly.
Product: Consumer Loan

have XXXX leases with ford credit, my daughters car got parking tickets so the XXXX parking authority, sent letters to both myself, and ford. I paid the tickets, and so did ford. 
I sent Ford Credit, my invoices on my credit card showing that they were paid, but they have me owing this money, and have me with XXXX late payments on my lease, which I was not late..
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to contact the lenders they said they could not do anything as the accounts were sold off to debt collectors even though they did not belong to me, They said to contact XXXX and have them removed. I did exactly that now I need to put in the report to block the lenders from reporting someone else 's information onto my credit report.
Product: Credit reporting or other personal consumer reports

Request for Correction on my Credit Report 15 U.S. Code 1681 Request to Removal of Closed Accounts Due to 2015 XXXX Data Breach To request the correction of inaccurate information on my credit report. I have reviewed my report and found that incorrect names and addresses are listed, which could negatively affect my credit score due to the presence of inaccurate personal information. Under 15 U.S. Code 1681 and the Fair Credit Reporting Act ( FCRA ), specifically Section 607 ( b ), credit reporting agencies are required to ensure that the information they report is accurate and complete. 

Additionally, I formally request the removal of any closed or charged off accounts that are not related to me from my credit report. As you are aware, the data breach that occurred in XX/XX/year> exposed during this incident the personal information of XXXX millions of individuals, including myself. I believe this exposure may have contributed to fraudulent or inaccurate information being included on my credit report.

Under Section 605 ( b ) of the Fair Credit Reporting Act ( FCRA ), I am entitled to request that any information affected by the breach be removed from my credit report within 3 to 4 business days after this claim has been received. I kindly ask that you review my credit report and remove any closed accounts or inaccurate information related to the breach that may still appear.
Product: Mortgage

I was given a unaffordable loan mod in XXXX 2015, I appealed to get an affordable payment and they denied me 3 times. I have an agent that listed my property after the last denial XXXX 2015. the property was listed XXXX 2015. It took a while to get a buyer and we have one and now. SLS is dual tracking and they want to foreclose on me? They have had my file for 4 years and it took them 4 years to approve a loan mod, that I ca n't afford. They have four years of up to date financials, four years worth!! so since they ca n't give me an affordable modification I have no option but to sale the property. XXXX is n't letting me short sale and I do n't know why. my agent listed the property shortly after the refused to give me an affordable loan mod. listing date XXXX 2015 and we got an offer to stick on XXXX XXXX 2015 and sent it over immediately along with a complete pkg. SLS confirmed they have a complete pkg to review but are still trying to foreclose. I am not understanding their behavior. it took SLS 4 years to review my file for a loan mod This is outrageous behavior and would like to sell my home please. I dont want to go to foreclosure because the bank messed up.please help me from foreclosure via XXXX and no dual tracking so I can sale my property before foreclosure. We have a valid offer in and under review. XXXX different people at XXXX has confirmed my short sale file is complete and under review. XXXX, XXXX and XXXX. They have set a sale date for XX/XX/2015 we need ample time for the escrow to close. this is disturbing. Please help me so I do n't have to go through foreclosure. I may need an extension but we are doing everything possible tyo close by XX/XX/XXXX. all corresponding documents that were sent to them are attached. 

Thank you very much and XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

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

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

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX and list of Inquiries 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 seven years.

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

On XX/XX/XXXX, I contacted Experian about the following negative accounts ; XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$650.00} ), XXXX XXXX ( Account number XXXX, Opened XX/XX/XXXX, Credit limit {$300.00} ), XXXX ( Account number XXXX, Opened XX/XX/XXXX, Credit limit {$650.00} ), XXXX ( Account number XXXX, Date opened XX/XX/XXXX, Balance {$990.00} ), XXXX XXXX XXXX ( Account number XXXX, Date opened XX/XX/XXXX, Balance {$12000.00} ), XXXX XXXX ( Account number XXXX, Date opened XX/XX/XXXX, Balance {$790.00} ), XXXX XXXX  ( Account number XXXX, Date opened XX/XX/XXXX, Credit limit {$300.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit card or prepaid card

I received a text and call from AFFIRM on Sat XX/XX/2023 letting me know that they had suspected fraud on my account and someone tried to apply for a loan. They had me verify a passcode that they sent to me as a text message and as an email to verify that I was not trying to apply for the {$4500.00} loan. Then they told me they were opening a case and would investigate. I then received a call on Sun XX/XX/2023, letting me know that the person who applied for the loan was arrested and that my account would be locked for about a few days while they took care of stuff. I had no idea that this person who was calling me was actually not from AFFIRM and they were actually the ones committing the fraud. On Monday XX/XX/XXXX, I saw that a loan had been approved under my AFFIRM account and that the funds had been used. I contacted AFFIRM and they said they had no record of them calling me about fraud and that they would have not ever done that. I opened up a claim with affirm Case # XXXX and they took 30 days to respond to me saying that they believe that I am still responsible for this loan. They requested that I sign an affidavit which I did and I also provided them a copy of the police report I filed # XXXX and a screen shot of the fraudulent text message I received from someone pretending to be them. They then took another week to tell me that they were standing on their original stance of stating that I am responsible for this loan. 

I have contacted XXXX XXXX XXXX to help me as an advocate and they referred me to this site to file my claim.
Product: Money transfer, virtual currency, or money service

Paypal just suspended the account of my small business that i have been working hard to build and held all the funds for no reason. Additionally they accused us of " deceiving Paypal and it's customers '' with zero explanation. I haven't been able to get any sort of answer from customers support and the only option we have is to take this to court. This Paypal account had tracking numbers and details for every order we received. All the orders are processed through our official website and none of our products is against Paypal policies.

This has been extremely painful and is driving my small team and i crazy, if anything could be done please help.

If it's possible to submit the account for a review if so how can we do so? 
My email paypal is XXXX XXXX
Product: Mortgage

Our mortgage lender, PNC, has ignored my requests to be removed from all marketing promotions for security concerns surrounding the mailing out of my personal information, even though it is going to my home. I do not want the risk of my information being taken from my mailbox, or being lost in the system altogether. 

More importantly, they also sent me a letter threatening collections, even though my account is in good standing, as stated by their own employees on multiple calls. A PNC mortgage representative I spoke with on XX/XX/2024 admitted that many letters like this were erroneously sent out, so it has not happened to just me. This type of harassment, from a lender I had no choice in working with due to the resell of my mortgage, has gotten to the point of causing mental distress for my wife and I. They knew these letters had erroneously been sent out, but took no proactive action to contact recipients, which would have helped mitigate concerns of harassment. There has to be many others feeling the emotional impact of receiving such a demanding letter from PNC, and I would like to raise awareness of the extremely poor behavior exhibited by this company.
Product: Credit reporting or other personal consumer reports

I just recently looked at my Equifax credit report XX/XX/XXXX. I saw hard inquiries that did not have permissible purpose. I also attached evidence XXXX. XXXX XXXX XXXX  XX/XX/XXXX : this inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 168b XXXX. XXXX XXXX XXXX  XX/XX/XXXX : this inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 168b XXXX. XXXX XX/XX/XXXX : this inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 168b XXXX. XXXX XXXX XX/XX/XXXX : this inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX  XX/XX/XXXX : this inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 168b 5. XXXX XXXX XXXX  XX/XX/XXXX : this inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 168b
Product: Credit card

Last XXXX I made a charge to my childrens place card ( through commenity ). I paid it in full in XXXX. I somehow accrued a {$2.00} interest fee for the following month. I had no idea I had this charge because I paid the balance. Im signed up for paperless billing but never received an email. Never received a phone call either. I went to use my card like I do every XXXX to keep it active and it wouldnt go through. Thats when I called and found out that they have been charging me late fees every month with no emails, no phone calls, no letters in the mail. I also have no access to online banking ( Im assuming bc the account is closed? ) when I called they said my balance was {$230.00} and I set up a payment plan. But I also asked for documentation of the plan and also documentation of the proof that they sent me paperless statements saying I owed them. Again, I received NOTHING. They told me that they do not call for small balances and they dont settle balances. They also said they dont send any documentation of payment plans. It reads scam to me. And how are they legally allowed to do all this with out informing me at all?! I had NO CLUE. And not to mention affecting my credit over a {$2.00} balance that I had no idea that posted AFTER I paid my balance in full. Yes, I should be responsible for the {$2.00} and maybe a small fee but {$230.00} and countless credit reports, is extreme. This can not be ok.
Product: Payday loan, title loan, or personal loan

I am just sending in this notification to let you know that I have notified CashNetUSA with all of the necessary documentation to stop taking ACH payments from my account. So as of TODAY AT THIS TIME THEY HAVE FORMALLY BEEN NOTIFIED VIA EMAIL. I WILL ALSO BE SENDING THEM A LETTER VIA XXXX MAIL THAT I WILL PERSONALLY SIGN. IF THERE ARE ANY OTHER ACH PAYMENTS TAKEN FOR MY ACCOUNT I WILL CERTAINLY BE IN TOUCH WITH YOUR AGENCY.
Product: Debt collection

I have filed collection disputes with credit bureaus, with documentation showing the debt was paid prior to going to collections. The company refuses to remove debt despite the receipts and invoices of amounts paid.