23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

World Finance XXXX did a loan for me. I was behind on it so I had them do my taxes for 2019 and upon the check coming to their office and me going INTO the office to sign my check and cash ot the printed me a check minus the amount I owed them! Therefore, this debt has been paid off 100 %
Product: Student loan

In XXXX and XX/XX/2018 It says I missed Payments. I thought my Student loans were still in deferment. I am was in financial hardship and couldn't afford any I didn't know the information needed to see my status of delinquency at the time. The balance had gotten up to {$920.00} and I couldn't afford that. I reapplied to deferment and got approved again but the damage was already done and my delinquency was reported to the credit bureau.
Product: Vehicle loan or lease

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exists. In requesting documentation none was provided. Due to identity theft this should be removed.
Product: Credit reporting or other personal consumer reports

Delete and block this identity theft account from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

APPEARING ON MY TRANSUNION REPORT, XXXX ACCT.NO.XXXX, IS being wrongfully reported as the result of a XXXX dollar billing dispute with XXXX.My credit history is destroyed by this single itemXXXX in addition balance chased and charged fees that are illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with Equifax on XX/XX/2021 about a negative account reporting on my credit profile. I disputed this account because I had no knowledge of this account and I never received any verification to prove this account was actually mine. XXXX and XXXX deleted this inaccurate account from my credit profile but Equifax did not.
Product: Credit reporting or other personal consumer reports

" These furnishers continue reporting false, inaccurate information on my credit report. XXXX, Experian and XXXX continues to report the inaccurate information on my credit report that violations of my rights under the FCRA. In addition, here are some of the laws that continue to be broken at my expense! 
- XXXX XXXX XXXX XXXX XXXX XXXX XXXX : 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. 
- XXXX XXXX XXXX ( a ) and XXXX XXXX ( a ) ( XXXX ) : Duties After Notice of Dispute from XXXX. If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. 
- XXXX XXXX XXXX ( a ) ( XXXX ) : Duty of furnishers to provide date of delinquency on charge-off, collection or similar accounts. " XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

We are trying to let a mortgage so we hired a credit repair company, They put disputes in. Now we can't get a mortgage because of the disputes on my credit report. I have been trying to get those disputes off my report sinceXX/XX/2020 and they are still there. I have written them and sent copies of my id 's and have called them several times. I have already lost a house we wanted because of them and there inability to follow directions, This has only been a problem with Equifax all the other bureaus have complied with my wishes.
Product: Checking or savings account

I made a new account with Venmo because my old account was no longer active. After trying to withdraw money that was sent to me out of my account, I was unable to because Venmo had said that my account was frozen. I tried reaching out to tell them that I only have my XXXX ID available and they said that they would not be able to take that and I have {$58.00} in my account that I need access to.
Product: Debt collection

I received a call from Portfolio Recovery last fall - they are searching for someone who used to have my mobile number. I discussed that I am not that person, provided my name and information, and the calls stoped for about three weeks. Now they are calling again from numerous numbers 8-9 times daily, including unlisted No Caller ID numbers. 

They will not stop the calls and continue harassment. The company needs fined and the incessant harassment stopped.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency in unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

2nd request* I the consumer declare that in XX/XX/XXXX that I pulled my credit report from the three major credit reporting bureaus and noticed there were many accounts and hard inquiries I did not open or recognize and did not authorize and origination dates that are clearly erroneous. I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods or services- or for any other purpose. Neither did I receive any money, goods, services, or other benefits. I have cooperated with law enforcement by providing all information I had regarding these fraudulent activities as my personal information was stolen. Someone has been using my personal information without my knowledge or permission since XX/XX/XXXX to XX/XX/XXXX. I have filed a complaint with the Federal Trade Commission since Pursuant to the 1974 Privacy Act all 3 credit bureaus violated all privacy rights by sharing my information with businesses without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit reports there is wrong information reporting on it. XXXX XXXX account have been closed and is not longer on my report. Also with Equifax, XXXX, and XXXX, there are accounts reporting on my report that are incorrect and are violating the fair credit reporting act. There are unauthorized inquiries reporting. 

On Equifax report XXXX XXXX is a fraudulent account it was not opened by me. 
XXXX XXXX account is closed. 
Also the {$64.00} balance don't have no information and is not completed properly. These accounts need to be removed immediately. 
{$720.00} balance don't have the correct information and the information isn't completed. Their is no credit information listed. ( violation of the fair credit report ) XXXX XXXX Ohio is a fraudulent account I never opened that account. 

XX/XX/XXXX inquiry : XXXX XXXX XXXX XXXX inquiry was not authorized by me. I never applied for credit with XXXX XXXX XXXX XXXX. 
XX/XX/XXXX XXXX XXXX XXXX  XXXX inquiry was not authorized by me. I never applied for credit with XXXX XXXX XXXX  UXXXX. 
XX/XX/XXXX XXXX inquiry was not authorized by me. I never applied for credit with XXXX. 
XXXX XXXX, XXXX XXXX XXXX inquiry was not authorized by me. I never applied for credit with XXXX XXXX. 

XXXX XXXX XXXX account is closed. 
XXXX XXXX is a fraudulent account. i t was never opened by me. 
XXXX XXXX XXXX XXXX XXXX needs to be removed. I did not approve this inquiry. 

XXXX report needs to be updated. 

All addresses needs to be updated. 
Only current address is XXXX XXXX XXXX XXXX, Ohio XXXX All old names but XXXX XXXX needs to be updated. 
All statements and fraudulent alerts and security alerts needs to be removed immediately.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found the following items to be " INACCURATE ''. 

1. INACCURATELY REPORTING XXXX Account number:XXXX VERIFY ACCURACY WITH ORIGINAL CREDITOR 2. INACCURATELY REPORTING XXXX  XXXX Account number : XXXX VERIFY ACCURACY WITH ORIGINAL CREDITOR 3. INACCURATELY REPORTING XXXX XXXX XXXX XXXX  Account number:XXXX VERIFY ACCURACY WITH ORIGINAL CREDITOR 4. INACCURATELY REPORTING XXXX XXXX XXXX Account number : XXXX VERIFY ACCURACY WITH ORIGINAL CREDITOR 5. INACCURATELY REPORTING XXXX XXXX XXXX XXXX  Account number : XXXX VERIFY ACCURACY WITH ORIGINAL CREDITOR 6. INACCURATELY REPORTING XXXX XXXX  XXXX  Account number ; XXXX VERIFY ACCURACY WITH ORIGINAL CREDITOR 7. INACCURATELY REPORTING XXXX XXXX XXXX Account number : XXXX VERIFY ACCURACY WITH ORIGINAL CREDITOR By the provisions of the Fair Credit Reporting Act, I demand that these 'ALLEGED '' items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Product: Debt collection

On XX/XX/2018, at XXXX XXXX, I received a phone call from XXXX which was a robocall informing me that they had tried to contact me at my address regarding a complaint filed with their office, but could not contact me. I pressed 1 to be connected to a man who said he we from Miller Stark Associates and that he was attempting to collect on a debt I owed to XXXX XXXX XXXX for {$1000.00}. He knew the last four digits of my SSN and an old address from about 5 years ago. He offered me two payment plans and wanted to know how I would like to pay. I hung up at this time. I contacted XXXX XXXX XXXX who confirmed that I do not have any outstanding balances and that they did not submit anything to a collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX, NJ XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX OF XXXX XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

What is this complaint about? 

Missing Credit Card Information and Loan Step 2 : What type of problem are you having?

Constantly being denied credit as a result of the two positive accounts that I have not being accurately reported to the bureaus The accounts are with XXXX XXXX Mastercard and XXXX XXXXXXXX XXXX XXXX New Jersey which I have an installment loan with both companies report to all three bureaus. 
Step 3 : What happened? 
I have been denied for auto loans and even secured cards as my XXXX score is much lower than the other two reporting bureaus of which both of those still do not reflect my two current and good standing accounts Step 4 : What company is this complaint about?

XXXX, XXXX and Equifax Step 5 : Who are the people involved?

All the major credit bureaus of which I have filed a dispute with all three
Product: Credit reporting, credit repair services, or other personal consumer reports

Thank you so much for taking the time to read this complaint I have a dispute with XXXX  reporting incorrect data on my credit report as well as VW CREDIT reporting incorrect data as well. 

I have reached out to VW CREDIT and they have failed to provide proper documentation for this dispute they have not validated this debt. 

VW CREDIT have not provided a contract validating this debt. 

XXXX  is showing no account history. 

There is alot of major discrepncies with this account. 

They keep reporting late payments when the account is charged off.
Product: Credit reporting or other personal consumer reports

Recently, I noticed that I am starting to receive collection mails from banks. I called and asked what is going on, and I was told that there are several accounts opened last year with my information. I told them that I have never submitted any types of application to their companies. They asked my address, email address, phone number, social security number, date of birth, and name. Surprisingly, Some of cards mailed to my business addresses, and some of them were mailed to my home in the state of XXXX. However, I never received those cards before. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, so I couldn't check my mailbox everyday. Maybe someone got access to my mailbox and took the card after they applied for it. But that does not mean that I am responsible for these cards ' payments and outstanding balances. I already informed what is happening, and I also submitted FTC report to XXXX, XXXX, and Transunion. It has been about few months now, but I see no changes in my credit report. As a business owner, I was planning to expand my business in other state this year, but with current status of my credit report -- full of credit cards that I have never applied for -- I can't even get any commercial loan. I am not sure what my credit bureaus are doing, but although I submitted all documents they requested ( copy of my driver 's license, social security card, utility bill, and FTC report ), I see no efforts of my credit bureaus. Everything remains same, no updates, nothing. My most recent dispute case closed with the result of " these are correct information '' did not explain anything. I don't know what kind of document or verification document they received from credit card companies, but I never got a chance to look at it. I asked if they can send me a copy of what they have, but they rejected my request and said : unfortunately we can not provide you any documents from creditors due to privacy information. Well, they started dispute case because they were able to verify that I am the one who submitted these disputes. Then how come they can not provide me any proof for privacy issue? Representatives said that they sent out a mail explaining everything, but the result letter did not explain anything. I just saw a letter saying their investigation concluded as " they are all correct information. '' BUT HOW DO THEY EXPECT ME TO AGREE WITH INVESTIGATION RESULT WITHOUT ANY PROOF? I don't even know how identity thief obtained my information, what kind of information was submitted. I can't understand or agree with their process of investigation. As a result, they made me come to you ( CFPB ) and to ask for help with my current status. I never applied for any credit cards with these companies.
Product: Debt collection

A company that Castle Credit say they finance. Fraudulent conned me. To get a waterfilter system I didn't need or even want from XXXX XXXX XXXX which is out of business now because they were doing shady business!!! I told them I couldn't afford the XXXX XXXX XXXX & the company told me to just try it & if I ever got behind on the payment. The company would help me out, which they never did. Also, they was suppose to send a female to finish the paper work, still I told them I don't want it. They said the lady had got into a crash & they would send someone else in a couple of days. A crazy guy showed up, & said he owned the company & that I had to sign it because it was pass the trial period which I knew nothing about, plus I informed him. I still didn't want the unit & he wouldn't leave. I suffer from XXXX XXXX. So I just signed it, so he would leave. The company was notified but they still wouldn't come take back the water filter unit. I never wanted & still don't.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Experian is continuing to list inaccurate information on my credit report. Ive sent numerous letters asking for these accounts to be removed as it is illegal to furnish inaccurate information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I settled a collection account for less, the company agreed to delete it from credit report. The account has not been deleted, they only updated to paid less in settlement. I disputed this account with Experian and provided the proof, Experian refuses to delete settled collection account. If an account is paid with a XXXX balance why is it still showing on my credit report in collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello My Credit Score has suddenly dropped after I tried to buy a XXXX XXXX XXXX so myself and my family can move to XXXX in XXXX TX. 

On Wednesday XXXX XXXX XXXX in XXXX PA told me I was good to get {$50000.00} XXXXXXXX XXXX  after I supplied them all my information. 48 hours later I am only eligible for {$10000.00}. 

I had called them to make an offer on the linked XXXX for {$45000.00} and I told them the price on this product was hiked up before I visited. I am very certain of this but unfortunately I had not made a screenshot of it. 

These XXXX usually go for low 50s. So now my offer cant even stand because my credit score plunged. How did this happen? 

Was I hacked at XXXX XXXX in XXXX, PA XXXX or XXXX  in XXXX, PA XXXX that I visited on Wednesday XXXX? 

XXXX XXXX XXXX XXXXXXXX A month earlier I got a Hard Inquiry on my credit report from XXXX XXXX on XXXX and I called them to find out if this was from your company seeking info on my credit score and a list of exactly what information was requested and what actions were taken. The reason is my score has dropped although I have made every effort to raise it to buy : 2. Home or land or XXXX to move near XXXX in XXXX TX. 

XXXX XXXX has not yet replied so I am asking you if Consumer Finance can brief me on what information was accessed during the Hard Inquiry and if the drop or freeze of my credit potential since could reflect possibly Financial Sanctions enacted against me? 

XXXXXXXX XXXX XXXX XXXXXXXX The reason why I suspect Financial Sanctions is because I have observed tactics blocking me from have an online presence, and most recently in XXXX and XX/XX/2023 I was charged 2X for my Formula1 subscriptions. Then the subscriptions were removed so I paid but cant watch F1 live nor was I refunded. 

Thanks for your help. 

XXXX XXXX XXXX XXXX. 
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Product: Credit card or prepaid card

On XX/XX/XXXX and XX/XX/XXXX, I had my credit union send a payment of {$25.00} on both dates. The payments were sent and cashed by Bank of America. The payments were applied to a closed account which showed I had a credit of {$50.00}. I seen the mistake and asked them to transfer the {$50.00} credit to my open account. They said they couldn't do that and they would send me a check in the mail. That conversation took place on XX/XX/XXXX. I spoke with them on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I was told they need to investigate, the check was in the mail and I would receive a letter regarding the investigation. I received the letter today XX/XX/XXXX. The letter was dated XX/XX/XXXX and they said they were investigating my open account with a different account number. After the numerous calls they are investigating the wrong account. I spent about XXXX minutes between two phone calls on hold at XXXX this morning and was kept on hold. I have given them the dates sent from my credit union with the confirmation numbers that they received the money and that was taken from my account. The closed account and the open account I was able to review on their website. On XX/XX/XXXX, the closed account was taken off the website. I was able to talk once with a manager but with no help. Bank of America employees have been rude to me and have given me the run around. Bank of America knows that I have a {$50.00} credit on my closed account which was even showing on the website. Also, they know when the payments were received.
Product: Credit reporting

I got this card for my wife and she was to pay the balance. She had lost her job and did not make me aware that there was a balance due on this account. Would like to have these removed from my credit report, the account is paid in full and in good standing.
Product: Checking or savings account

I am one of the many victims affected by PNC Bank 's acquisition of BBVA and subsequent mistreatment of customers.

PNC informed BBVA customers that their BBVA debit cards would continue to work through the transition period, until they activated their new debit cards. This was communicated in writing on numerous occasions. As of XX/XX/XXXX, their webpage on the acquisition states, under the FAQ heading " My debit card should have arrived before XX/XX/XXXX and it has not, what should I do? '' the answer " Remember, you can still use your BBVA debit card. '' This is false, however, as numerous consumers have reported. ( https : //www.pnc.com/en/about-pnc/topics/acquisition-update.html ) PNC sent my new debit card to the wrong address. I called them to rectify this situation and spoke to XXXX. I provided my SSN and was then asked for the last 5 digits of my PNC debit card to verify my identity. Needless to say, I was unable to do so. I was then passed off to XXXX in Retail Support, who asked me for a phone number to verify my identity, and then informed me that this phone number would not work for reasons that were unclear to me- it is a personal cell phone number which was registered with BBVA prior to the acquisition.

She then asked me to verify prior addresses in the public record. I named 2 of my most recent addresses, and she asked me for another. I told her I would log into my online shopping account to get her a number of prior addresses ( I frequently move for work ). Several seconds later, she abruptly ended the interaction and passed me back to XXXX, who asked me for the last 5 digits of my BBVA debit card before informing me that she couldn't help me on the phone. 

I then spoke to her supervisor XXXX who was rude and confrontational and insisted that I needed to go to a PNC branch, despite the fact that there is not a single branch in my state. I asked him how I could close my account if this proves inconvenient, and he informed me that I would need to visit a branch in person. 

He then provided me with a mailing address to send several forms of photocopied ID to in order to request a new debit card, saying there was nothing else they could do for me over the phone, as my account had been flagged. 

Only after I initiated a complaint via PNC 's internal process did he notify me that I could close my account by mail as well. 

I could not recommend PNC to anyone, this transition has been a disaster, consumers have been lied to, and customer service is no help at all. 

Case numbers : XXXX XXXX