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

Good day! XXXX is XXXX XXXX and I am submitting a CFPB complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired XXXX XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these accounts to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  ( Original Creditor ; XXXX XXXX XXXX XXXX XXXX  XXXX  ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to purchase my Equifax credit report from www.equifax.com. My  order failed and I called their customer team. They advised they are unable to locate my credit file on their database. Per my previous complaint XXXX, Equifax advised they were able to find my credit file on their system, and that they would send me a copy of said credit report via mail. I received nothing in the mail and now Equifax custoemr service are unable to locate my file based on true and accurate information provided on my part. 

This being my 2nd complaint requires Equifax 's immediate response and effective action to deliver a resolution. 

Thank you.
Product: Payday loan, title loan, personal loan, or advance loan

The affirm website won't allow me to login. There's code that is texted or called to the consumer, but it never comes. I have been having this issue ever since I logged out of the site a few months ago. There's no way to message customer service to get help, I just want to pay my bills. There is a phone number, but there are major language barriers.
Product: Mortgage

URGENT : XX/XX/2018 : Called Freedom Mortgage as I sold my home on XX/XX/XXXX and a payoff check was sent to Freedom Mortgage and signed for on XX/XX/XXXX by someone named XXXX XXXX. Spoke to XXXX and explained that the payoff check for my mortgage was sent and XXXX XXXX signed for it. XXXX advised we sent the payment to the wrong address and we " dropped the ball '' on our end. I then immediately asked to speak to a supervisor as it has been two weeks since they signed for the check and my account was still open and they did not know where the check was. Was transferred to XXXX 's supervisor XXXX ( Employee # XXXX ). I emailed the packet from XXXX XXXX as proof someone at Freedom Mortgage signed for the check. XXXX advised she would call between XXXX EST on Thursday, XX/XX/2018. 

XX/XX/2018 : Called Freedom Mortgage as I had not received a call from XXXX. I don't remember the employee 's name from this call but Freedom Mortgage has record of this. I was told by this employee that no research or work had been done on my account and that XXXX was not in the office. I then asked to speak to a manager and was told that this employee 's manager would not talk to me but would call within 24 hours. 

XX/XX/2018 : Called Freedom Mortgage as I never received a call back. Spoke to XXXX. I immediately asked to speak with a supervisor. Spoke with XXXX ( Employee # XXXX ). I  explained my situation and XXXX advised he would reach out to check cashing to see if they had the check and it was not being deposited and if so what the issue is. XXXX advised he would call Monday, XX/XX/2018 by XXXX XXXX EST. I never received a call from XXXX. 

XX/XX/2018 : Called Freedom Mortgage and spoke to XXXX ( different XXXX ).  XXXX had given me his direct number and said I could call him. XXXX advised she could not transfer me to XXXX. I asked to speak to her supervisor and they would not come to the phone and I was advised that she would request they call me back. 

I sold my house on XX/XX/2018 and my mortgage is still open. Freedom Mortgage signed for the check and can not tell me where it is and no one in customer service has helped me or even attempted to look into this. My XX/XX/2018 payment is approaching and I should not have to pay this since I don't own the home and have paid off my prior home, however if I don't pay it, it will affect my credit and I am in the process of purchasing a new home. Additionally, I asked my billing be put on hold and no one at Freedom Mortgage agreed to do this, therefore I will still be receiving a bill.
Product: Credit reporting, credit repair services, 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 XXXXXXXX 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, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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: Debt collection

XXXX XXXX XXXX XXXX is currently showing on my credit report. I have never been contacted by this company either by phone or mail in any attempt to collect a debt. This company is not licensed in the state of Florida to collect a debt. I've tried to contact this company via certified mail and have received no response. I would like this company to remove collections reports from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to dispute unauthorized credit inquiries on my credit report. According to the Fair Credit Reporting Act ( 15 USC 1681 ), I have the right to dispute inaccurate information. 

The inquiries I am disputing are : XXXX XXXX XXXX Inquired on XX/XX/ XXXX - Inquired on XXXX XXXX XXXX XXXX  - Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX - Inquired on XXXX XXXX XXXX XXXX - Inquired on XX/XX/ I do not recall authorizing these inquiries and request that they be investigated and removed from my credit report if found unauthorized. 

I have enclosed copies of my credit report highlighting these inquiries for your reference. 

Thank you for your prompt attention to this matter. 

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

BB & T is showing activity on an account that has had zero activity since the account was closed in XX/XX/XXXX. This is only incorrect on the XXXX credit report. The account shows payments being made throughout XXXX, XXXX and XXXX, and then is showing failure to pay during XXXX, XXXX, XXXX and XX/XX/XXXX. No payments were made to this account sinceXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I recently looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate XXXX. XXXX XXXX Account number : XXXX
Product: Credit reporting or other personal consumer reports

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 XXXXXXXX has violated my rights. I looked at my XXXX credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep getting negative collections on my equifax report anytime I try to go finance a car. It seems like it is almost deliberate and most of the accounts are not verified. All information related to the companies were not available or identified and are old.
Product: Payday loan, title loan, personal loan, or advance loan

I had to get a new checking account due to fraud, and when I contacted support to change my banking information, which I did not want to provide via phone or email, as most companies nowadays have ways for you to fill out this information online without emailing over financial documents that contain sensitive information. 


This institution only allows you to update your banking information by providing sensitive financial documents, i.e., statements or voided checks, which contain all your banking information and can easily be hacked, making you vulnerable to fraud. 

This institution needs to implement much safer ways of updating banking information, as this current way puts many people at risk for bank account fraud.
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 FCRA 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 be completely deleted. 

I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated Metro 2 data formatted reporting standards according to regulations. 

Failure to take appropriate actions to remedy this matter will lead to my civil right to file a lawsuit seeking monetary resolution via a court in my jurisdiction. 

Drawing from my research and complete comprehension You nor any entity is permitted to keep any non-compliant information, particularly upon it being challenging any or all of the excerpts, dated assignments, ledger balances, audited details, documents of identification, each of the XXXX character format fielded XXXX statements, pay status codes, alpha-/ numeric-/ and or alphanumeric source codes. Further certificate firmly every single one even each any and or all of the minimal five ( 5 ) portioned personal identifiers, and even the unabbreviated XXXX pieces of confirmation to collect. 

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY, even right NOW! The obvious infractions are as follows : Name of Alleged Creditor : XXXX XXXX XXXXXXXX - XXXX - I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX mo ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exist XXXX XXXX  - XXXX - I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX mo ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exist Item Complaint Details : You are reporting inaccurate and/or incomplete, unproven, NON-COMPLIANT ACCOUNT INFORMATION. Immediately Delete this Unverified Account. If not, please provide physical proof of verification, along with the requested items within the full context of this correspondence. 

INQUIRIES TO BE REMOVED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX PERSONAL INFORMATION INCORRECT : Incorrect Name - XXXX XXXX - The personal data reporting is inaccurate. 

Incorrect Address - XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX - The personal data reporting is inaccurate.
Product: Credit card or prepaid card

Account ( ... XXXX ) I made three purchases that were " held '' buy the company when I was trying to send my cousin some clothes for a new job. I cancelled those transactions as they were hung up in the system. Also once I made a mistake on the address and they had to cancel. Eventually, she received her order billed on XX/XX/XXXX. 

My issue is with the three pre-authorizations created XX/XX/XXXX through XXXX. I confirmed the orders were cancelled with XXXX XXXX. 

They are still " holding '' my account hostage 8 weeks later. I tried to call the credit card folks but they kept shuffling me around and half the time I ended up in customer service. I have tried calling numbers given to me, but they end up in an automated queue to check balance and so on. 

I have left messages on the website too. Just no response that is helpful. I have attached the reply XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$240.00}
Product: Mortgage

My mortgage was bought by PNC Mortgage from my previous company. After receiving a tax abatement, I sent materials to PNC Mortgage to have my escrow adjusted and alter my payments. I had, when visiting a branch to get my account set up, did a physical form for automatic payments ( in XX/XX/2022 ). 

Now in XXXX of 2022, I called to cancel that automatic payment since I an unable to cancel online what was submitted by physical form & fax. I was promised on two separate occasions that this old automatic payment was cancelled and I was instructed how to go about setting up a new one that is available on their Online Banking. 

It turns out that the rep only paused, not cancelled my automatic payment, without my knowledge. So I had set up a new payment. This means that PNC Mortgage has deducted TWO payments from my checking account and can not provide immediate relief of that second payment, opting to mail a check. As you can imagine, a mortgage is my single largest bill, so it's not like I can float that money until they snail mail me a check. 

However, had I not paid, I would receive fees. PNC Mortgage refuses to issue any sort of compensation or reimbursement for the issue and has not provided an adequate way to send the payment back immediately. 

AVOID PNC MORTGAGE AT ALL COSTS.
Product: Credit reporting or other personal consumer reports

Lexis Nexis has violated my consumer rights! They are reporting a XXXX XXXX  Bankruptcy stating my spouse filed it. I have never been married and they have shared this inaccurate information with the credit bureaus XXXX and XXXX. They are not reporting factual and accurate information. I have disputed this information with them several times and they are stating PACER is reporting it accurate. I contacted PACER and they do not have a file that says spouse filed anything. I have asked them to remove this information and they have not. They are in violation of XXXX reporting requisites per the XXXX as well as the FRCA, and thus damaging my credit. This Public Record item is deficient as reported, and Per Federal reporting regulations all claims MUST be to a maximum " possible '' accuracy and maximum " possible '' completeness 's, which extends to the reporting mandates that there be no deviation from XXXX Format Compliance since, per the XXXX, DNP 3-4 Any deviation from these standards jeopardizes the integrity of the data ''. Unfortunately they do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that they included in my consumer reports that they have prepared for me.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that I was paid on time. Consumer reporting agencies need to report all information accurately. This account has not been late on payments I've attached a copy of my report to this complaint on the following dates ( XX/XX/year> ) I'm now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to be paid on time immediately. Thank you for your understanding andpromptaction.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against XXXX, TransUnion, and XXXX for failing to remove inaccurate information from my credit report despite providing enough evidence to support my dispute. I initially submitted a dispute regarding XXXX XXXX on XX/XX/XXXX, and then again on XX/XX/XXXX, accompanied by supporting documentation. However, after the XXXX investigation period, the reporting agencies failed to correct the error and continue to report inaccurate information, adversely affecting my XXXX XXXX and financial standing. It is believed that XXXX XXXX is consistently reporting random dates with no physical proof. The first noted dispute from about 3 years ago had the date of XX/XX/XXXX. I request the CFPB 's assistance in resolving this matter and ensuring that my rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Product: Checking or savings account

XX/XX/2021 my wife and I needed a new furnace ir heat system according to XXXX XXXX. We applied to get the funding needed for the new system. We were turned down because of a low credit score. My wife talked to her parents to see if the could " cosign, '' for the loan. Information was given to XXXX XXXX representative and my father-in-law 's information was submitted to Wells Fargo under the pretense that my father-in-law was going to be the cosigner. The amount of the money needed to do the job was quoted at {$12000.00}. Both of us were notified that the loan was approved. We later found out that Wells Fargo was not provided with any of my information as the primary also my father-in-law 's Wells Fargo account was attached to the loan to which none of that information was given as I was there when the information was given to XXXX XXXX. 
I have been making the set up payments on the account but not getting credit for the payments on my credit report which is what has my in-laws bothered about. I have been told in order to fix this issue the account has to be closed and new application resubmitted. 
I feel that this was not handled in the manner that was specifically talked about prior to the application being submitted and further shoild have never had my father-in-law 's account attached to this. XXXX XXXX had my XXXX XXXX XXXX information not the Wells Fargo information. 
I do hope to get this all corrected as soon as possible.