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

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. If your company, fails to comply with federal regulations by credit reporting agencies you will be required to appear in a court venue local to me, in order to formally defend yourself. I will also have your company investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am also maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and CFPB the Attorney Generals office, should you continue in your noncompliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D. Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

I have already disputed the items below on XX/XX/XXXX, and the bureaus did not remove them. 

Sec. 602 State, I have a right to privacy. 

XXXX XXXX  Account Number : XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you block and delete the accounts and inquiries listed below from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and these items were fraudulently opened or conducted in my name without my authorization. 
The fraudulent accounts and inquiries are as follows : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

I first contacted the Amex support chat on XX/XX/year>2024 regarding two cash back offers that I did not receive thought I followed the instructions for the offers. One for XXXX XXXX and one for XXXX XXXX. I was told to follow up if I did not receive a resolution after 14 days. I followed up with them on XX/XX/XXXX and they said they needed more time. I followed up with them again on XX/XX/XXXX and the agent explained that would need more time on the XXXX XXXX offer but the XXXX XXXX  was offer was rejected. They claimed the XXXX XXXX was not used and the decision was final. I asked if I could provide them proof and the agent refused. They blamed the issue on XXXX  instead of taking responsibility. I used my Amex card for all of my XXXX XXXX  purchases ( not just XXXX  ) during the period of promotion and only two purchases were needed. Amex provided false advertising for the offer and failed to honor the offer promotion. Then failed to receive feedback for their mistake.
Product: Checking or savings account

Hello in the month of XX/XX/2022 I attempted to open an account with Navy Federal. I was declined. After months passing by, I attempted to open an account again inside the branch and the young lady stated that I was unable to due to a fraud account that was open previously. I asked several times WHEN, WHERE HOW? Can someone open an account with my personal information, and I didn't know anything about it. I submitted several claims, and the issue is still not resolved and i was told that i owe Navy Federal for an account that was open without my permission. I really need this issue fixed I would like to gain an relationship with Navy Federal and resolve this fraud account.
Product: Credit reporting or other personal consumer reports

my credit report reflects no payment on a LVNv settlement of XXXX dollars, which I paid off.It does. Not reflect the payments I made of {$450.00} in full settlement. This account has reflected on my credit report for 2 years after it was settled
Product: Money transfer, virtual currency, or money service

PayPal is refusing to close my account. They claim it is in good standing, no pending transactions, etc. My account is not in violation, nor has it been limited as of XX/XX/19 according to paypal.They have given me 5 different reasons for not being able to close it for me ( pending transactions, having to wait 7 days after request to close an account, having to wait 90 days from the last transaction, that they were seeing a pending transaction, then proceeded to freeze my account in order to fix a " glitch in the system ''. So now I cant use it if I wanted to, nor close it in my account. I contacted by phone XX/XX/19 three times because they kept refusing help. I have also emailed, chatted, and went on XXXX to contact them about this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be removed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX  XX/XX/2023
Product: Checking or savings account

My father passed away on XX/XX/2022. 

I made an appointment XX/XX/XXXX to close the account. Wells Fargo personal banker said I needed additional documentation to close the account. I had to schedule another appointment. 

XX/XX/XXXX - Met with a Wells Fargo personal banker and they said I needed an additional form from the Co-trustee in order to proceed with closing the account. 

My sister [ Co-trustee from a different city ] met with a personal banker from Wells Fargo in different city and completed the forms and XXXX them to me to. 

XX/XX/XXXX - Met with the Wells personal banker with the completed forms and they proceeded to fill additional forms that they had me signed and were notarized. They said it would take 7-10 days to review before I could come back and close the account. 

Called XX/XX/XXXX to schedule an appointment for XX/XX/XXXX. This appointment was cancelled by the personal banker because there was an error on the form they completed. 
They said it could take until the end of XXXX to resolve. 

I called the Wells Fargo Estate Center XX/XX/XXXX and they told me the case was on hold until the error was fixed. 

Scheduled an appointment for XX/XX/XXXX. This appointment was cancelled by the personal banker because there was a backlog at the Wells Estate Center for reviewing the forms. 

I called the Wells Fargo Estate Center XX/XX/XXXX and they told me the case had still not been reviewed. 

I am waiting for a call from the Wells Fargo personal banker to schedule when I can come in to close the account. 

At this point, I have zero confidence that this will be resolved in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

A thief stole my identity, created checks, and used my ssn without me knowing for years. 
You must delete everything XXXX XXXX have more proof of the stolen and fruad activity This is a unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 30 plus days of no response.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX  Re : Request to Revoke Communication Rights and Demand Debt Validation To Whom It May Concern, I am writing to formally request that the Consumer Financial Protection Bureau ( CFPB ) intervene on my behalf and direct Portfolio Recovery Associates to cease all forms of communication with me. Specifically, I am revoking any and all rights for them to contact me through text messages, emails, and phone calls. Please inform Portfolio Recovery Associates that I no longer wish to be contacted by these means, as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692c ( c ).

Additionally, I request that Portfolio Recovery Associates provide me with the following information as required by law : 1. Debt Validation : As required under 15 USC 1692g, I request full validation of the debt they claim I owe. This includes documentation that proves the validity of the debt and ensures that the collection agency has the legal right to collect this debt.

2. Purchase Agreement Between Collection Agency and Original Creditor : I am requesting a copy of the agreement between Portfolio Recovery Associates and the original creditor that establishes their right to collect on this debt. Without this documentation, I will not acknowledge the validity of the debt.

Please ensure that Portfolio Recovery Associates provides these requested documents within the legally required timeframes. Until such time as they fulfill this request and provide validation, I request that no further action be taken regarding this alleged debt. Additionally, any reporting of this alleged debt to consumer reporting agencies should be halted until proper documentation has been provided. 
I trust that the CFPB will take the necessary steps to protect my rights as a consumer. Please confirm receipt of this dispute and update me on the progress of your investigation. 
Sincerely, XXXX XXXX
Product: Bank account or service

Below is a letter written to PNC Bank on XXXX XXXX, XXXX. Per instructions, it was sent to Credit Bureau Disputes Department in XXXX. A copy of the entire packet was also sent to XXXX XXXX, Associate Director of the CFPB. I have n't heard from PNC and I have n't heard from the CFPB. 

We are writing to ask for a bad mark against our credit score be removed due to circumstances we believe are the fault of PNC Bank personnel, not our own. 

We have worked with XXXX XXXX of your Escalation Dept., who provided the background materials attached. She suggested we contact your department regarding the correction of this mistake. 

We opened a checking account at National City Bank in XXXX. At that time, we were sold an overdraft protection line. When we closed the checking in XXXX, the overdraft protection line was not closed. At the beginning of XXXX, we were charged the annual fee on the protection line of credit. We were a customer in good standing for nearly 15 years and we still have money market accounts set up with PNC for our children. I 'm very disappointed in the policies around this, and that our credit score has been dinged over a {$36.00} fee that we were not notified about. 

For the following reasons, I 'd like this matter to be resolved. 
We were customers in good standing for many years. 
The overdraft line is sold with the checking account. 
When the checking account was closed, we were not asked if we wanted to close the overdraft - I find it rather dishonest that they are sold in tandem but that they are not cancelled in tandem or at least that the overdraft is not flagged when an account is closed and the customer given the option to close. 
After realizing the account was closed and you could n't assess the fee, you mailed us a statement - TO THE WRONG ADDRESS. Our address changed in XXXX of XXXX, while our account was still active. We took the proper steps to change the address at that time. In fact, our current address was on file with XXXX when I spoke to her just last month. So, again, PNC made a mistake that is affecting our credit. 
Frankly, I feel like PNC tried to trick us by not suggesting we close an overdraft protection line on an account we were closing. Why would any reasonable person keep such a line and why would any reasonable person not think they would be closed in tandem when they are sold in tandem? This is dishonest policy. 

We also find that your company makes it as difficult as possible to resolve disputes, by providing me a XXXX XXXX and department name only, no person, no phone number, to have this matter handled. I can bank electronically, chat with reps on your Web site, find you on XXXX and XXXX. However, we are sending this letter, as instructed into what we feel is a great abyss, with no way of knowing if it 's ever received. We do hope, however, it can be resolved simply and efficiently, as both our credit scores have been impacted by PNCs poor policy decisions and mistakes.
Product: Credit reporting or other personal consumer reports

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time. "
Product: Mortgage

Wells Fargo Home Mortgage sent inaccurate information about my payment history to the credit reporting agencies. Wells Fargo stated that i was late with my payment in XXXX of 2013. 
In fact, this information is inaccurate and misleading because I was never late with my payments and I always was sending my payments before due date. There is no shred of evidence to support Wells Fargo Home Mortgage report that my payment was received late. The WFHM reporting is not accurate and in violation of the Fair Credit Reporting Act. ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ....
Product: Credit card or prepaid card

On XX/XX/XXXXthe card was used to pay an air ambulance fee ( {$18000.00} ) for a friend who had a XXXX XXXX on a cruise ship. This friend is a retired XXXX Veteran. As one can imagine this medical emergency resulted in significant fees for the family. Once my friend was stable and the family could begin making payments on their outstanding debts they worked hard to pay this one off first. The balance was paid off from XX/XX/XXXX to XX/XX/XXXX. The final payment was made on XX/XX/XXXX including {$130.00} interest. 
In XX/XX/XXXX the insurance company reimbursed the air ambulance company which reimbursed the Citi card. I contacted Citi on two occasions to let them know the credit was on its way and that I wanted it directly transferred to my checking account. I informed them this was funds that did not rightfully belong to me and needed i needed to refund. On XX/XX/XXXX the credit was applied to my account. On XX/XX/XXXX I called to make sure the refund was being processed. I was informed that they would begin the process ( it had not started despite my previous direction ) and I should have the money no later than XX/XX/XXXX. As of today XX/XX/XXXX the credit is still on my account waiting a second manager " approval ''. This is unacceptable I need the money and have informed them of this every day since Saturday, XX/XX/XXXX. They have told me " they '', or a " manager '' would call me back but no one has. If anyone treated them with such disregard they would face penalties and interest of significant amounts. This is an easy transaction to follow, the approval should not be time consuming except for the fact Citi wishes to use this money for their own benefit. I think that is wrong!
Product: Mortgage

1XXXX XXXX XXXX XXXX XXXX XXXX  REFUSE TO REMOVE FRAUD FORCE PLACED HOMEOWNNER INSURANCE PREMIUM {$1700.00} AND {$1400.00} OFF MY ACCOUNT ESCROW ANALYSIS VIOLATING FLORIDA STATE AND FEDERAL LAWS. 

2. XXXXXXXX XXXX XXXX XXXX XXXX PUT ME IN HARMS WAY SETTING MY ACCOUNT AS NON-HOMESTEAD. MY PROPERTY IS MY HOMESTEAD SINCE XXXX CLASSIFIED BY XXXX XXXX XXXX XXXX XXXX FOLIO # XXXX, PHONE XXXX I NEED THESE 2 URGENGT ISSUES RESOLVE ASAP.
Product: Credit reporting

On XXXX XXXX, 2016 I submitted a letter to Experian Credit Bureau as to why they were not releasing my credit information to prospective lenders that use their bureau. No reply other than they sent me my credit report. Unfortunately, for some unknown reasons I am unable to get them to remove the credit reporting freeze they have on my account unless I am a member. I feel their actions has created an unjust situation and my credit report should not be held hostage! There should be no need for them to hold this report hostage. 

I even went on their web site in hopes of resolving this as well as calling their landline telephone number by unable to communicate with a human -- only get robotic messages!
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting a loan approval. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

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

The XXXXXXXX XXXX credit bureau are reporting inaccurate information on my credit report. 
Please see attached files below.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contracted XXXX XXXX XXXX numerous times to request the deletion of the unauthorized inquiry on my credit report. XXXX stated I had no active account with them to remove the hard inquiry. XXXX rejected my request due to no signs of an open account with them. I didn't authorize this inquiry and I would love for it to be removed on my TransUnion. The inquiry was reported on my credit report on XX/XX/2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a consumer, a natural person, and a protected person under federal law. In accordance with the Fair Credit Reporting Act, GM FINANCIAL has violated my rights. Regarding alleged accounts # XXXX 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 an account without my written instructions. 15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 15 U.S.C. 1681 States that consumer reporting agencies are required to ensure that the needs of the consumer are met in a way that is fair and equitable in terms of confidentiality, accuracy, relevancy, and proper utilization of such information 15 U.S.C. 1681c2 : A Block and remove.
Product: Credit reporting or other personal consumer reports

I disputed this alleged debt online, I mail formal dispute to both collection agency XX/XX/2023 who are reporting the alleged debt to my consumer report and I request document proof that : I am indeed the party you are asking to pay this debt ; the date of the alleged medical service; the name of the patient ; and the proof that there is some contractual obligation which is binding me to pay this debt. One of the letters I sent is still in transit and hasn't been deliver, which can only lead me to assumer XXXX XXXX is reporting a false address on my consumer report and is not allowing me to exercise my rights to dispute anything on my credit report that is inaccurate. I was never notified in writing in reference to this alleged debt. Which is a violation of 15 USC 1692g. The reporting of these account ( s ) is/are violations of 15 USC 1681 , and the Fair Credit Reporting Act
Product: Debt collection

Hi there! 

My name is XXXX XXXX and I am a XXXX XXXX XXXX XXXX living in both XXXX XXXX XXXX XXXX XXXX XXXX On a recent credit report of mine, a collection account appeared claiming I owed XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$1900.00} for an XXXX  visit last XXXX. I was baffled for several reasons. 

1. Health insurance companies MUST cover a reasonable portion of the bill by law for any type of XXXX service regardless of whether or not the facility is in network. This includes hospitals, XXXX XXXX XXXX XXXX  etc. This is part of the No Surprise Act of 2022 and is a Federal mandate. 

2. My insurance company informed me that they were dealing with this bill and the reason for the delay was that the hospital sent a NON EXISTENT DIAGNOSIS CODE with the bill. My insurance company reached out to them for the correct number. They NEVER RESPONDED to their call. 

3. At the time of service I signed a form that stated my maximum out of pocket for the visit would be {$500.00}. 

Since this all started I have been speaking to the Collections and Risk departments in both the corporate headquarters for XXXX XXXX XXXX XXXX XXXX XXXX. BOTH departments assured me that there WAS an error on their part and they they would be immediately recalling the collection to have the bill paid by insurance as they are legally bound to do. 

I then called the debt collector. XXXX XXXX XXXX AND sent a letter to it's president XXXX XXXX requesting that they contact their client and I can only assume this did not happen as the amount of this collection has INCREASED since my contact with them from {$1900.00} to {$2000.00}. This increase, I see as a personal swipe at me for daring to contest their ability to collect money they have no right to. 

I a sending you this letter requesting that you please speak to the parties involved. This would be : 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, who are both reporting this debt which is NOT a legal debt as it was for an XXXX  visit which is prohibited by the No Surprise Act. 

This is causing great personal and emotional grief for me and for my family. We were supposed to be purchasing a new home and the collection caused the bank to pull the loan at the last moment. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been back and forth with Experian. I have submitted police report number and reports. The agency continues to be everything short of professional and proficient. Ive received multiple confusing emails, some indicating my dispute is done, other saying my police report wasnt legit. I am attaching the last communication. I requested expedited review, as I will be homeless/displaced if I cant sign a lease due to the reporting that should have been removed. I also have a XXXX. I was on hold for over an hour, only for the call to be disconnected.