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

On XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX and several other days this year that I went down to Chase Bank located at XXXX XXXX XXXX XXXXXXXX XXXX XXXX to have them XXXX XXXX XXXX for XXXX aunts account that is missing over {$XXXX} plus while she was in a XXXX  and admitted into XXXX XXXX XXXX. I informed the XXXX XXXX and XXXX XXXX, XXXX XXXX XXXX of this as well as her bag being stolen containing her identification, cred cards and band cards from her bed side while in the hospital the same week she was admitted in XX/XX/XXXX. XXXX XXXX finally submitted the claim on XX/XX/XXXX. Then a month later after making several calls to the bank they denied the claim and stated that all transitions were made using my aunts pin number. My issue is that my aunt was in a XXXX  and could not consent for anyone to use her card or take any money out of her account, she was in a comma for over a month and then once she woke up could not talk nor see and couldn't utilize her arms and hands like a normal person would and now she is dead as of XX/XX/XXXX. I need help getting the bank to return all stolen and missing funds immediately.
Product: Credit reporting or other personal consumer reports

Recently i did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report 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. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors. 
I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. 

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of XXXX :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
Product: Credit reporting or other personal consumer reports

Dear CFPB Representative, I am writing to formally lodge a complaint against XXXX for violations of the Fair Credit Reporting Act ( FCRA ) and the Uniform Commercial Code ( UCC ) concerning inaccurate information on my credit report. Despite numerous requests for corrections, XXXX has persistently responded that the disputed information has been " verified, '' which is not only misleading but also untrue. 

The FCRA, under 15 U.S.C. 1681i ( a ), mandates that consumer reporting agencies conduct a reasonable investigation into disputes and correct any inaccuracies. XXXX 's failure to remove fraudulent accounts and incorrect personal information that do not belong to me is a direct violation of this statute. Furthermore, I have evidence that these accounts were due to identity theft and a mix-up with another individual 's information. 

Additionally, I have gathered documentation that proves XXXX did not perform due diligence in verifying the information with the original furnishers, which contradicts their claim of " verification. '' This negligence violates the UCC principles regarding the accuracy and integrity of credit reporting. 

The inaccuracies in my credit report have not only caused significant mental anguish but have also resulted in substantial financial losses and wasted time that I can not reclaim. I am requesting that XXXX immediately remove all accounts that do not pertain to me and take necessary steps to ensure compliance with the law moving forward. 

I will also be filing separate complaints regarding each creditor and account that has been wrongfully reported on my credit history, seeking maximum penalties to help recoup some of my losses. 

I have enclosed copies of the documentation that supports my claims and I urge your office to take appropriate action against XXXX to protect consumer rights and enforce compliance with the law. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX Enclosures : Documentation ( statement ) of inaccurate accounts along with my XXXX credit report to prove the illegal reporting of accounts mentioned in this complaint for reference.
Product: Student loan

I applied for Income Driven Repayment Plan and have repeatedly stated that my statements have been submitted in time and they will not acknowledge their error in not updating my account on time and that they lost my submissions. They refuse to update my acocunt and keep claiming they can not because it was past the deadline, despite it being submitted before the deadline. They did not let me know it was never received and told me all I needed to do was submit my income and it would be updated. Their company is deceitful and refuses to take accountability for their end of the financial agreement. I sent in all documents on time, it was the companies fault. They will resolve my account or further action will be taken. I have repeatedly and clearly stated the issue and that it was their fault. I submitted everything on time. They lost my fax. They should not advertise that you can sbmit via fax if they will not follow through.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX  XXXX account on my report that I dont recognize and would like this removed. Account ends in XXXX, according to my credit report. I have tried unsuccessfully to remove this negative account in the past but Im immediately told the account has been verified with no investigation and no information received about the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ran my credit without authorization me between XX/XX/2018 - XX/XX/2018 contact the company they dont know who ran my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I submitted a check to XXXX in payment of a catalog order. The check was returned in XXXX with a note from Certegy indicating that the transaction could not be completed due to risk management concerns it had uncovered. The note advised that I had the right to obtain a copy of the information used by Certegy to reject my check. However, I have repeatedly tried to obtain such information, to no avail. Certegy has conditioned the disclosure of why the check was rejected upon my providing it with my driver 's license number and social security number. In numerous contacts with the company I have asked why Certegy requires disclosure of PII not available to it at the time the check was rejected. I have provided Certegy with the amount of the check, the date it was written, the payor, the payee, the check number, and the bank the check was written on. Again, the rejected check accompained a mail order purchase. At the time of the aborted transaction Certegy did not have access to my driver 's license number or my social security number. Why then does it now require such PII to explain why it interfered with my transaction with XXXX?
Product: Credit reporting or other personal consumer reports

Despite sending the required documentation to the Federal Trade Commission ( FTC ) as per your requirements, the account is still being reported on my credit report. I have contacted the creditors associated with this account, and they have acknowledged the fraudulent nature of this account. They have assured me that the account will be removed. I have also provided the creditors with all necessary documentation to support my claim. Additionally, the credit bureaus XXXX and XXXX have already removed them so I expect you will do the same thing. 

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

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

A collections account was placed on my credit report by Franklin collection services for {$40.00} in XX/XX/XXXX, the original creditor is XXXX XXXX XXXX. I was a victim of XXXX XXXX in XX/XX/XXXX and canceled my services due to total loss of home after flooding. I informed XXXX  that the equipment was damaged and couldn't be returned. I was initially charged for the equipment cost although they were aware the equipment was damaged and couldn't be returned. I was informed by a rep they would check the zip code of my address to ensure that area was declared a disaster area. After doing so, the equipment cost was refunded and the balance owed was {$0.00}. I didn't use XXXX   services after that time. 1 year later, I have a collections reporting from them. I never received a bill or any notice of a debt owed from XXXX. I also spoke to a rep on XXXX in regards to this issue and the rep informed me she couldn't explain why I was billed for the {$40.00}. She also contacted the collections dept who couldn't pull up any information either. It is an unfair practice to place a collections account on my credit without giving any notification or contacting me to rectify the situation. If I owed {$40.00}, I would have paid the amount. I was told by XXXX the balance was {$0.00}. Please remove any negative marks from my credit reports immediately.
Product: Mortgage

I have a New servicer " PNC Mortgage '' recently servicing my loan. I read a Law that says " an automatic cancellation of PMI '' would be triggered if my mortgage pricipal balance drops to 78 % of my original principal balance. Currently my principal balance dropped to 76 % below 78 % required to automatically cancelled my PMI. I called PNC mortgageXXXX and they are asking me to reappraise the property again even though since I bought the property 2 years ago ( XX/XX/XXXX ) real estate prices went steadily up in the 3 % range in the XXXX XXXX AREA and PNC mortgage wants me to reappraise the property and wants me to pay them {$XXXX} check up front and it is their appraisal who would appraise the property and I do not have a choice. 
For my mortgage INFO : Original appraised value at the time of closing ( XX/XX/XXXX ) :XXXX Money I have put down:5 % Mortgage principal balance at the time of closing:XXXX Current Mortgage balance as of ( XX/XX/XXXX ) :XXXX
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX Experian XX/XX/XXXXXXXX XX/XX/XXXX TransUnion XX/XX/XXXXXXXX XX/XX/XXXX Experian XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX ExperianXX/XX/XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX Experian XX/XX/XXXXXXXX XX/XX/XXXX TransUnion XXXXXX/XX/XXXXXXXX XX/XX/XXXX Experian
Product: Credit reporting or other personal consumer reports

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Dispute of Inaccurate Account Information and Request for Removal AFFIRM INC This is my 2nd request to have this issue resolved I am writing to formally dispute the inaccurate reporting of my account with AFFIRM INC on my credit report. Upon reviewing the account information, I identified several discrepancies that violate my rights under the Fair Credit Reporting Act ( FCRA ). I request that this account be removed immediately due to these reporting errors. 

Inaccuracies in Account Reporting : Prolonged Charge-Off Reporting : The account reflects a charge-off starting in XX/XX/XXXX and continuing until XX/XX/XXXX. A charge-off is a one-time event, and continuing to report this status for multiple months is inaccurate and misleading. According to the FCRA ( 15 U.S.C. 1681s-2 ), credit information must be accurate, and this misrepresentation violates that requirement.

Failure to Update After Charge-Off : The account shows a past-due balance of {$300.00} even though it has been charged off since XXXX XXXXXXXX. Un
der the FCRA ( 15 U.S.C. 1681c ( a ) ), the credit reporting agency must update account statuses to accurately reflect the account 's current status, including whether the debt has been paid, settled, or sold. This failure to update the account status causes confusion and misrepresents the status of my debt. 

Overlapping Past-Due and Charge-Off Reporting : The account reflects 30-, 60-, and 90-day past-due statuses in XXXX prior to the charge-off. However, after the charge-off, it continues to report as both past due and charged off, which results in duplicated negative information. This could unfairly harm my credit score, as past-due statuses should not continue after a charge-off has been reported. The FCRA ( 15 U.S.C. 1681i ) requires credit bureaus to ensure accurate reporting, and this overlap is both misleading and incorrect.

Failure to Resolve Dispute : This account is marked as " under dispute, '' but the discrepancies mentioned above have not been addressed. Under the FCRA ( 15 U.S.C. 1681i ), if a consumer disputes information on their credit report, the credit bureau must investigate and correct any errors. If the information is unverifiable, it must be removed from the report. The continued reporting of incorrect information violates these standards. 

Request for Removal : Given the reporting inaccuracies outlined above, I am requesting the immediate removal of this account from my credit report. The continued reporting of incorrect, misleading, and outdated information has caused undue stress and negatively impacted my financial health. If the account information can not be verified as accurate, it must be deleted, as required under FCRA ( 15 U.S.C. 1681i ( a ) ).
Product: Money transfer, virtual currency, or money service

I own and operate a small XXXX XXXX XXXX  business. I sometimes travel to craft shows to sell my XXXX. In XXXX of 2021 I had two such shows and I was using Square to process my credit card transactions. Immediatly after the second show ( XXXX XXXX ) Square informed me, via text message, that my account had been closed and that my funds were being held. 
Trying to contact a person at Square is impossible. The only real option of contacting the company is through email. They do list a phone number, but once you punch in your account number a pre recorded message tells you that your account has been closed, permanently. There is no reason given and according to Square, no recourse. Any funds you had in your account will be held for up to three months. My email complaint fared no better ; I received a generic reply with the same information : account permanently closed, no reason, no recourse, no funds for three months. There was no contact information for Square in the email. 
Wow. I am lucky enough to have a business where this hold does not threaten the ability of my business to operate, but it could have. After this happened I did research on the net ; this is not an isolated occurence. People 's businesses are being ruined. This seems like some sort of scam to hold on to people 's funds for a quarter of year. Interest profits?
Product: Debt collection

I lost my employment in XX/XX/XXXX ( at that time I was XXXX  years of age ), thus, I started Social Security at that time. I used all of my savings to supplement my Social Security in order continue to pay my bills and necessities. When it was obvious that I was running out of savings ( in XX/XX/XXXX ), I started a debt management service in an effort to pay all remaining debts. XXXX XXXX  was the holder of 2 of my accounts ( XXXX and XXXX ). Both of these accounts were placed in my debt management program. Through the service, some of my credit card accounts have been paid in full, XXXX is one of those accounts. However, last month a collections notification was placed on my credit report from XXXX XXXX XXXX for the XXXX account. XXXX XXXX was contacted, who then told me that I needed to contact XXXX XXXX XXXX, who then told me that I needed to contact P & B Capital Group, who then told me that I needed to contact XXXX XXXX ... as you can see the tail chasing began to go on and on. Best that I can assume is that the amount still owing is for XXXX, but no one at XXXX XXXX XXXX ( indicated on the credit report ), XXXX XXXX XXXX or P & B Capital were able to give me specific information, yet they were able to place a collections notification in XX/XX/XXXX for an account that was actually paid in full in XX/XX/XXXX. Please note that P & B Capital continue to receive payments for the XXXX account from the debt management service each month and is scheduled to be paid in full in XX/XX/XXXX.
Product: Mortgage

Pennymac loan services is reporting that I have an almost {$300000.00} mortgage loan. I do not, that is my ex-husband and new wife 's house now. My name is showing in loan ex said he called a few months ago when I noticed this error and said company would take care of it. It's still showing in my credit report how do I find out if he somehow kept my name on their house and how do I get this resolved?
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive reviewed my credit report and noticed the following inaccurate item ( s ) : Inaccurate Reporting- I have notice multiple addresses on my credit report that are incorrect like the following ( XXXX XXXX XXXX XXXXXXXX NY XXXX XXXX Address ID # XXXX ) ( XXXXXXXX XXXX XXXX XXXX XXXXXXXX NY, XXXX XXXX ID # XXXX ) ( XXXX XXXX XXXX XXXX XXXX # XXXX XXXX NY, XXXX Address ID XXXX XXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX NY XXXX XXXX Address ID # XXXX XXXX ( XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX NY, XXXX Address ID # XXXX XXXX All of the addresses listed above are spell incorrectly and missing information. I am requesting that any and all addresses that do not match the information on my state issued ID be removed from my credit report to ensure maximum accuracy of my report. Thank you. A copy of my photo ID and a insurance document have also been attached to this dispute to be used for verification purposes.
Product: Mortgage

to the best of my knowledge XXXX. 
I have sign my contract and agreement to purchase my new home. 
I submitted a FHA mortgage application to purchase my new home. I looked online for some of the FHA mortgages to apply for a home loan and this bank was one of the banks I applied to. the amount for the loan was XXXX. after submitting my application for the loan the mortgage banker contact me and ask questions about my credit score. did not discuss the action I needed to take to improve my score. I was told the bank could not help me and my credit score was not higher enough to get a mortgage loan. and I was turn down. I have been working on my credit score and made some improvements.to able to purchase my new home. I am a US citizen and pay my taxes and a veteran widow. why do i have such a hard time getting a loan for a home?
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: 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 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, credit repair services, or other personal consumer reports

This company is reporting incorrect information. This is causing me great XXXX, harassment, and humiliation. The account reporting is XXXX.