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

I am submitting a formal complaint regarding several potentially negative items on my credit report that I believe were not updated correctly following my XXXX  XXXX bankruptcy discharge. 

Summary of the Issue : In XX/XX/XXXX, my XXXX  XXXX bankruptcy case was discharged by the court ( US BKPT CT XXXX XXXX, Date Filed XX/XX/XXXX ). After this discharge, I believe my credit report should have been updated to reflect that the following accounts were fully discharged and should no longer be marked as potentially negative, as the balances are XXXX and no further action is required on these accounts : XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Status : XXXX through Bankruptcy XXXX  XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Status : Discharged through Bankruptcy XXXX  XXXX XXXX XXXX Date Opened : XX/XX/XXXX Status : Discharged through Bankruptcy XXXX  XXXX Discover Bank Date Opened : XX/XX/XXXX Status : Discharged through Bankruptcy XXXX  XXXX XXXX XXXX  ( Multiple Accounts ) Dates Opened : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Status : Discharged through Bankruptcy XXXX  XXXX XXXX XXXX Date Opened : XX/XX/XXXX Status : Discharged through Bankruptcy XXXX XXXX Despite the discharge, these accounts still show as " potentially negative '' or " discharged through bankruptcy, '' which is misleading and may hinder my ability to rebuild my credit. According to my records, these accounts should reflect the discharge status accurately and no longer be listed as negative or derogatory.

Request for Action : I am requesting the following actions : Immediate correction and removal of any inaccurately marked potentially negative status on the aforementioned accounts.

Clear documentation from each creditor stating that the account balances are XXXX and have been fully discharged.

Update of my credit report to reflect accurate information regarding these accounts, ensuring they are listed as discharged in full and not negatively impacting my credit standing.

Please investigate this issue and assist me in ensuring that my credit report is properly updated in accordance with the discharge of my XXXX  XXXX bankruptcy. 

Details of Bankruptcy : XXXX  XXXX Bankruptcy Discharged : XX/XX/XXXX Court : US BKPT CT XXXX XXXXXXXX Thank you for your prompt attention to this matter. I would appreciate any assistance in resolving this issue and ensuring my credit report is updated accurately. Please feel free to contact me if additional information or documentation is required.

Sincerely,
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My daughter purchased XXXX Phones for her and her boyfriend. She called me and said that XXXX was offering a great deal and ask if she could use my credit rating to open the account. They said that I would not be responsible for the bill that it would be in my daughters name. When she opened the account XXXX said that they would pay off the contract on her previous phone service to switch to XXXX. XXXX did not do this. She made XXXX payment but was not charged correctly and stopped making payments. My daughter was living in my rental home where the bills were being sent in my name. My daughter and I called XXXX on 3 way telling them that this bill was not suppose to be in my name and complained about the incorrect charges. I called XXXX two more times to get this bill in her name where it belonged. I have a XXXX phone ( for many years ) and would never agree to pay another company for phones.
Product: Credit reporting, credit repair services, or other personal consumer reports

The school cited multiple reasons for closing, includingincluding declining numbers of cosmetology students nationwide and a growing negative characterization of for-profit education. 
received notification on Wednesday evening, XX/XX/2016, that XXXX XXXX XXXX was permanently closing its doors at all XXXX campuses. 
XXXX loans were taken out from XXXX and they are now called EdFinacial Servicee and U.S. department of Education. 
Contacted all 3 services providers and department about the matter also contacted all 3 credit bureau 's and this matter.

Nothing has been resolved as far as to removing this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to call companies several times to which they ( misspell some things sometimes and also change around wording ) have transferred me several times and they finally hang up on me. here is the list of inquiries : Here is the list of inquiries : Transunion : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

This complaint is on XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX, I called PNC to speak to a representative specifically pertaining to XXXX XXXX and asked the rep to please tell me about the app that 's connected to the PNC mobile app. I also explained to the rep my reasoning behind wanting to know more information about XXXX. I told her that I was purchasing a product from a seller from XXXX a site where buyers can sell gently used items. I also expressed that I always use XXXX all the time and is XXXX similar where if for whatever reason I do n't receive the product or something goes wrong can I dispute the transaction. She stated yes and that I can cancel it anytime. Had she not confirmed XXXX was a secure way to send money similar to XXXX where you can file an appeal I would have never sent any money to this seller. The same day the transaction was completed I called PNC because the seller did not provide me the tracking information I requested. The 2nd representative gave me instructions for canceling the payment online and the option was unable. The 2nd rep I spoke to also stated that once it 's completed they ca n't do anything about it. However, the first initial rep I spoke to NEVER stated once a transaction is completed you ca n't cancel it or dispute it she stated the complete opposite. So at this point I 'm distraught because I specifically called in inquiring more information about this payment system connected to my PNC mobile app. I beg the rep to complete a dispute explaining I was rob of {$900.00} from a fraudulent vendor. I had the vendor name, number and PNC had the banking information it was transferred too. After several days of not receiving any notice or documentation about the case. I called PNC again to check the status. A representative informed me on the case its states resolve with recipient. I just lost it crying frantically asking to speak to a supervisor or someone who can help because I did n't get any notice about their decision so more time is being wasted and my {$900.00} is gone. The supervisor was just apologizing for the very first representative I spoke to who misadvised me to send money through XXXX XXXX stating I can appeal or cancel it. I requested the call to be pulled and that the case still be looked into and how can they not be able to track {$900.00} and do absolutely nothing about it. It was complete negligence on PNC in the way the handle it was not able to help out a customer in need at all due to false information provided by there representative. I just desperately want my money back.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Regarding Inaccurate Reporting and Violation of 15 USC 1692g - Account with L J Ross Associates, Inc Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against L J Ross Associates , Inc, regarding the inaccurate reporting of a paid-in-full collection on my credit report. I believe this action may be in violation of the Fair Debt Collection Practices Act, specifically Section 15 USC 1692g. The details of the account in question are as follows : Account Information : Account Name : L J ROSS ASSOCIATES, INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Despite the account being marked as " Paid, Closed '' since XX/XX/XXXX, it has not been removed from my credit report. This inaccurate reporting is adversely affecting my credit score and financial standing.

I would like to draw your attention to the Fair Debt Collection Practices Act, specifically Section 1692g, which states : 15 USC 1692g - Validation of Debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; and ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector. 

I am requesting a thorough investigation into this matter and the immediate removal of the inaccurate information from my credit report in accordance with the Fair Debt Collection Practices Act. I believe such action is necessary to ensure the fair and accurate representation of my credit history. 

I have attached supporting documentation, including proof of payment and closure of the account. I appreciate your prompt attention to this matter and look forward to a resolution. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

ON XX/XX/22 I WENT TO THE KOHL 'S STORE IN XXXX. I WAS MAKING A STANDARD PURCHASE. THE KOHL 'S EMPLOYEE VOIDED THE TRANSACTION 3 TIMES THAT DAY. TWO FOR {$6.00} AND ONE FOR {$160.00}. HERE IT IS XXXX/XXXX/XXXX  AND THE {$160.00} SHOWS PENDING. HOWEVER, WHEN I CALLED THE STORE MANDAGER AT KOHL 'S STORE IN XXXX AZ. ( XXXX ) HE ADVISED THE {$160.00} WAS VOIDED. THE BOTTOM LINE IS {$160.00} IS IN A JUGGERNUT AND NOBODY KNOWS HOW TO RECTIFY IT. SO THEY ARE NOT LETTING ME USE THE CARD FOR WHAT I SHOULD BE ABLE TO. I SHOULD HAVE {$170.00} ON THE CARD. THEY ARE CLAIMING I ONLY HAVE {$6.00}
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. It is also my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to ha completely deleted. The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, XXXX INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT XXXX COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately The infractions are as follows : Alleging Creditor and Account as is reported as having a late payment my credit report : ( dispute_item_and _explanation ) I am demanding that this account be updated to Paid as Agreed and Never Late. 1116 By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I demand that these aforementioned derogatory items be investigated and permanently removed from my report. I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mail. Sincerely, Your Full Name " Attach copy of ID and XXXX bill ( bank statement if you don't have utility bill )
Product: Credit card or prepaid card

I sent notice by certified mail to XXXX XXXX XXXX TO CEASE CALLING ME AT WORK BECAUSE MY EMPLOYER DOES NOT ALLOW THESE CALLS. AND YET I AM STILL HARASSED BY PHONE NUMBER XXXX EXT.XXXX. I HAVE ALSO CALLED AND INFORMED THEM THAT I AM SETTLING MY DEBTS THRU XXXX XXXX XXXX, XXXX. AND THEY STILL CALL MY EMPLOYERS NUMBER.
Product: Mortgage

On XXXX XXXX of 2016, ditech received my mortgage payment. Instead of applying to the monthly payment, they applied it towards escrow account. On XXXX XXXX, i received a billing statement for XXXX mortagage as well as XXXX. In addition to that, they slapped XXXX dollars late payment fees to that. I called them up on XXXX XXXX and questioned them. They said they applied it to escrow. I never instructed them to do that. They said they will reallocate that funds and correct the problem and erase the late fees. A few days later, i called them to check on it again. The problem were not fixed. They said a few more days. So on XXXX XXXX, i called again, and still the problem were not fixed. They took my XXXX payment and applied it towards the may payment and make it seems like i am late for XXXX again. And the late fees is still there. The lady said to give them a few more days and they will surely fix it time. She said she checked the system and there were no notes to reallocate the funds. But it did show that i called them. Ditech and their employees are not being truthful and causing me grieves. I spent so much times trying to resolve the problem they created and worried about the problem they created. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name XXXX XXXX XXXX, Consumer Social Security Number XXXX, Consumer Date of Birth XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to 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 XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXX XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 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 # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to recent media attention on hacks on the american public I pulled my credit report and seen a account that was not mine and that was not authorized below is the account that is not mine as well as inquires and addresses I've never been associated with. 

Account Name : XXXX XXXXr Balance : {$230.00} Account Type : Collection below are inquires on my credit report i've never authorized these inquires from these companies, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable.

Violations of Federal Law 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation.

2.Failure to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law.

3.Failure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights. 

Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : XXXX XXXX TransUnion XXXX ( XXXX ) : Reinforced your obligation to conduct meaningful investigations beyond relying on furnishers data. 
XXXX XXXX XXXX, XXXX ( XXXX ) : Confirmed that credit bureaus may not shirk their duties by delegating investigations to furnishers. 
XXXX v. TransUnion LLC ( XXXX ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages. 

Demand for Immediate Action I demand the following actions, without delay : 1.Conduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions.

2.Provide a comprehensive written explanation detailing your investigation process and results.

3.Permanently remove or block all inaccurate information associated with my identity theft. 

Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted under 15 U.S.C. 1681n and 1681o.

This letter is your final notice to rectify your violations. Your failure to comply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

I tried to deposit money at the Bethpage FCU Drive Through ATM in XXXXXXXX XXXX at XXXX XXXX XXXX. I entered about XXXX dollars into the ATM in different denominations of bills income {$100.00}, {$50.00}, and {$20.00} bills. I did not enter more than the maximum allowed number of bills ( XXXX ) and they were all straight and flat undamaged bills. The machine froze for several minutes, and eventually spit out a receipt with a transaction error. This ATM is experiencing technical problems and unable to return one or more deposit items. We apologize for the inconvenience. 

I have now lost all of that cash, and am fearful that the bank will not compensate me. They do not have any hotline for this sort of error and I have left messages with the ATM company to no avail.
Product: Credit card or prepaid card

I have a late payment reported that was fraud not done by me I disputed this with the credit bureau and they came back from the company saying it was valid. I was never given the option to opt out according to 15 US Code 6802 B- Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Product: Debt collection

Company PMAB still reporting debt that was paid to credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth 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 alleged fraud or extortion. XXXX XXXX XXXX XXXX on XX/XX/XXXX ; XXXX  XXXX Date opened : XX/XX/XXXX Balance : {$0.00} ; XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX opened : XX/XX/XXXX Balance : {$17000.00}.