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

My information was exposed in a date breach now I am seeing numerous accounts on my report I have no clue of. A few of the accounts newly opened in a State where I no longer live. There is even a Auto loan I never signed for.
Product: Checking or savings account

Organizations that want to do business with the U.S. federal government, and their state and local agents, such as XXXX XXXX Community Development, must have a System for Award Management ( SAM ) number to apply for federal grants and/or contracts. Although acquiring a SAM number is free, the application process can be cumbersome. In addition to a taxpayer identification name and number, XXXX XXXX XXXX number, and IRS review, organizations must have a bank account and routing number. 

Last XX/XX/XXXX, I was completing a SAM application for XXXX XXXX, the community development arm of Metropolitan XXXX XXXX XXXX XXXX XXXX XXXX, when I decided to search low-cost offers for small business banking. When I checked online, PNC, which has a branch less than a mile away, popped up. 

Great news, I thought. The ad read : Earn up to {$300.00} [ 1 ]  when you open a qualifying PNC business checking account by XX/XX/18. Then I read the smaller print. Is your business located in zip code XXXX? If not, tell us the zip code where your business is located and well connect you with the offer available in your area : In the box below, I entered the XXXX and pressed Go to Offer. What message did I receive? Your business is located outside of PNCs servicing area. There are no offers available. '' An invitation for businesses in XXXX generated the same response when XXXX was identified as the location.The explanation in footnote [ 1 ] : Offer only available in select PNC Bank branch locations and only to businesses with an annual revenue less than {$5.00} million. 

" Outside the banks service area. '' What does that mean? What small businesses meet PNC 's criteria better than those in XXXX and XXXX? Both zip codes are in the heart of XXXX XXXX, and are populated with small businesses. Incidently, they are among the most racially and ethnically diverse areas in the city. 

Do households in XXXX and XXXX have sufficient incomes for PNC to accept deposits, but not sufficient not enough to do business with them? Not enough to ease the way for them to apply for federal grants and contracts? If PNC were the only bank in town, where would small businesses in those zip codes get bank accounts? 

Offended, I decided not to seek answers to those questions, but to do business elsewhere. Thank goodness for good and honest and community banking. Where PNC drew a red line, XXXX Bank rolled out the red carpet.
Product: Credit reporting or other personal consumer reports

From XXXXXXXX XXXX XXXX  my credit report consistently reported information about my accounts that I was not responsible for. I have tried many times with XXXX, XXXX, and Transunion throughout the years. Telling them that the credit card accounts were not mine. Eventually, I was sue by these debt collectors in lawsuits. I had 4 lawsuits by the end of next year against me for something that I have been trying to fight. One lawsuit is stressful enough for one person, imagine 4 lawsuits at the same time from these predatory lenders and debt collectors. I had to file for bankruptcy from all the pressure of the lawsuits. All three of these credit reporting companies did not do anything before I was sued. They let all these debt collectors was able to have access to my personal information and these credit reporting companies had data compromised.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report on XX/XX/23 I recognized 2 accounts that violate Title 15 USC 1681a ( 2 ) ( A ). XXXX XXXX XXXX - XXXX and XXXX XXXX XXXX XXXX XXXX I requested an investigation into this matter no one contacted me with any evidence to validate these accounts. Furthermore the information is inaccurate as well. I have included evidence that will show how these accounts are furnished improperly.
Product: Credit card

I bought windows through XXXX XXXX who uses this bank. Wells Fargo. I made payments of {$1100.00} starting in XX/XX/XXXX. I had to make XXXX payments in XXXX because my checking account was compromised, if you look at the closed complaint to the XXXX  they agreed to refund my {$1100.00} XXXX payment but they sent it to XXXX Bank  on XX/XX/XXXX to my closed account ending in XXXX. The payment was retuned to Wells Fargo because the account had been closed. I made XXXX payment with my new checking account ending in XXXX. I now have another case study because this bank has NO clue of what they are doing. Case number XXXX agent is XXXX made on XX/XX/XXXX. They keep adding late charges but never call me back. I just paid what is the remaining balance of {$20000.00} today XX/XX/XXXX conf # XXXX. I am paid in full, I want the {$1100.00} and all these bogus late charges credited.
Product: Debt collection

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and XXXX XXXX. 
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and  will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Product: Credit reporting, credit repair services, or other personal consumer reports

This compliant concerns multiple fraudulent issues on my credit reports as held by XXXX, Equifax & XXXX. I was out of the country for 5 years and upon my return came to find multiple fraudulent accounts in collections on my consumer credit files including XXXX. I have immediately set myself to the monumental task of correcting these matters. I am asking this agency provide oversight and contact the CRA 's so that my situation is taken as serious as it should be. 
I currently have these multiple issues under dispute, both online and by mail and would like for the CRA 's to stress that collection agencies, lenders and anyone else transmitting data against my SSN and or other personal information, provide transparency as is outlined in the Fair Debt Collection Practices Act. 

Information reported to the CRA 's is being done so fraudulently. 
I ask that such information, in a tangible format, be provided to me and that such fraudulent collection accounts be removed from my files as held by XXXX, Equifax and XXXX. 

That a fraud of this caliber was allowed to be performed against my information is startling, as no safety measures of verification were apparently performed by the lenders who now report and besmirch my information. I have numerous names and addresses on my files and need assistance to stomp down on this before it does more damage than has already transpired. 

I would also like a copy of this complaint to be transmitted to each and every collection agency, lender and/or creditor so that they may be informed as to my situation.
Product: Credit reporting or other personal consumer reports

My account with EXPERIAN was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date.

EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Debt collection

To the best of my knowledge {$400.00} dollars was used on credit card to make down payment on a vehicle purchased the owner and or dealer of the vehicle promised and had a warranty of one week to buy or exchange if not satisfied according to purchaser or buyer vehicle was reposed and dealer did not comply with warranty. this transaction was opened on or about 2005.It has been more than seven years to this date. What I understand Midland funding llc bought the collection debt and has a debt of {$740.00}
Product: Credit reporting or other personal consumer reports

I paid off my Credit Card in full. Apparently, there has been a {$2.00} fee charged that I wasnt aware off and then received a late fee. Called TD bank and had all the charges taken off because I already paid my card in full. Next month, automatic {$1.00} fee and late fee. This happened 3 times ( so XXXX late fees and credit score way down ) until I was told that I need to pay that {$39.00} to really close my account and they will send me a check for {$39.00} to refund. Computer glitch. Still I have not received the check ( 2 months later ) and no one tried to fix the mess they made out of my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

My FICO score dropped significantly due to unpaid debt to a XXXX credit card. The XXXX Credit card debt was true, but I want to explain why I made the mistake. 
I opened the XXXX XXXX card when I bought XXXX clothing valued {$28.00} on XX/XX/XXXX. After four days, I returned all theclothing to the same storeon XX/XX/XXXX. The cashier refund {$28.00} to a cash card, not to the original payment method as others do usually ( see attachment 1 ). So it give me the wrong impression that I don't owe any amount on this card. In addition, XXXX had a wrong address on my profile. XXXX XXXX showedmy original address isXXXX* XXXX XXXX XXXX, XXXX , IL XXXX ( see the attachment 2 ). Its a wrong because it has no APT number.I provided the right address with APT number when I opened the credit card. 
The consequence of a wrong address is that I have never received the XXXX credit card or monthly statements. I didn't know the unpaid debt until XX/XX/XXXX, when I received a letter from XXXX XXXX notifying me that I need to pay a debt of $ XXXX.Because I was abroad at that time, it was difficult for me to figure out what's going on. All I can do then was to payback the moneyto XXXX XXXX as soon as possible. 
I don't have any intentionto not pay off the debt, it's just {$28.00}. I am new to the country. So I am not familiar with the system, which is why I made the mistakes. However, the wrong information on the bank system also partially caused my account to go to delinquent. None of this would happen if I had received those monthly statements. Can you please recover my credit score partly since I am not the only one who should be blamed for? 
BTW, the phone number on the credit report is also wrong.The correct number is ( XXXX ) XXXX, not ( XXXX ) XXXX.
Product: Debt collection

XX/XX/2023 your law firm received a letter offer to opportunity to cure, I mailed via US certified mail. The additional 20 days I granted you has passed. I have gave your law firm the opportunity to correct your wrong doings after your ongoing false and misleading actions in attempts to collect an alleged debt from me, But still no proper response has been received from you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent requests of proof of this debt, contract information of who open account with no response. They have no contract or proof, lending club has been adding payments on this account as well, false reporting of account activity. 

Lending Club Date open : XX/XX/2014 Amount : {$15000.00} Past due : {$13000.00}
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to see inaccurate accounts on my credit report, and I have no idea how they got there. I check my report regularly, and suddenly, there are discrepancies out of nowhere. I even refreshed my browser, hoping it was just a glitch, but nothing changed. These wrong entries are still there, and Im really concerned. Thats why Im asking for the documents I sent to be carefully reviewed so I can finally stop worrying about this.
Product: Debt collection

I received information from you attempting to collect the above-listed alleged debt that you have listed on my 3 credit reports. Your initial communication to me of the alleged-debts was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. I have no knowledge of this company or alleged debt. I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Product: Credit card or prepaid card

I have direct deposit set up with card.com I have not received my ssa check this company be trying to steal from customers
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ) I recently challenged the validity of XXXX XXXX account thats being reported on my credit report. 
2 ) After challenging this collection with XXXX, Equifax, and XXXX, the account was subsequently deleted and removed from XXXX based on the lack of ability to verify the accuracy. 
3 ) I noticed as a result of challenging this account with XXXX and Equifax they verified this same account. 
4 ) It is my understanding that the creditor reports the same information to all credit bureaus as stated under the FCRA.

5 ) 3 days ago, Equifax replied to my initial CFPB complaint " the account is no longer on my credit '' which is FALSE. In fact, it's still reflected on my file as " Closed '' under " Installment Accounts '' ( See attachment ). DELETE and REMOVE this account from my credit report immediately to avoid forthcoming legal action. 
I've attached XXXX 's results for your reference
Product: Checking or savings account

I've been trying to get into my online banking over a month so I'm not about to see the details about all these unauthorized transactions that the bank say I'm responsible for as well as a lot of the transactions they say they are dated back too far and can not be investigated I've been having trouble with this account since last year I've been with SunTrust now Truist
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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. 
The following Accounts : Loan Lender : XXXX XXXX Loan Amount : {$28000.00} Account # XXXX
Product: Debt collection

I am filing a formal complaint against Experian and XXXX XXXX XXXX ( XXXX ) for inaccurately reporting a collection account on my Experian credit report. This inaccurate reporting violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), causing financial harm, emotional distress, and reputational damage. 

Details of the Complaint : Disputed Account Information : Creditor : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Account Balance : {$590.00} Date Opened : XX/XX/XXXX Current Status : " Collection Account '' Issue Summary : The account was previously disputed with XXXX, which confirmed its deletion from my credit report as of XX/XX/XXXX. Despite this resolution, Experian continues to inaccurately report the account. Moreover, XXXX XXXX XXXX has failed to comply with proper validation and notice requirements under the Fair Debt Collection Practices Act ( FDCPA ), in violation of 15 U.S.C. 1692c. 

Relevant Case Law Supporting My Complaint : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX XXXX ) : The court reaffirmed that communications regarding debts must comply with FDCPA notice and validation requirements. Failing to do so constitutes a violation subject to statutory damages. 

XXXX v. Experian XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ) : This case underscores the obligation of credit reporting agencies to ensure accurate reporting and investigate disputes. XXXX inaction in this case is a direct violation of the FCRA. 

XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) : The court held that agencies and furnishers are liable for inaccurate or incomplete records that harm consumers. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) : The court ruled that credit reporting agencies must perform reasonable investigations after receiving a dispute. Failure to do so can result in statutory and punitive damages. 

Legal Violations : Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e ( b ) : Experian failed to follow reasonable procedures to ensure maximum possible accuracy of the information reported.

15 U.S.C. 1681i ( a ) : Experian neglected its duty to investigate and resolve this dispute properly.

Fair Debt Collection Practices Act ( FDCPA ) : 15 U.S.C. 1692c : XXXX XXXX XXXX communicated or facilitated the reporting of this debt without adhering to proper validation and notice requirements.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

Good afternoon. my complaint is in regards to the XXXX XXXX XXXX account they have listed on my credit files. This account continues to be verified as accurate when in fact the information across all three bureaus is inconsistent. If this account was being properly investigated then the information should be consistent and correct. i have highlighted the inconsistencies and inaccurate information in my attachment to this complaint and detailed them below at the end of this complaint. i did not dispute that the account is not mine, i disputed that the account information posted to my credit files is inaccurate and inconsistent. Furthermore this account was charged off, therefore a XXXX was filed with the irs by XXXX XXXX and to date i have NOT received a XXXX from XXXX XXXX  for which i am due in order to file my taxes. This account being charged off and filed with the irs by XXXX XXXX  is now taxable income for me and income is not to appear on my credit files! im requesting that due to the credit bureaus negligence to properly identify and verify the information before it is placed on my credit file that this account is removed from my credit reports immediately because this is a violation of my fcra rights. 
INCONSISTENCIES found on " verified account '' : Account type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter to the credit bureau regarding inaccurate & unknown items on my credit report. Until this day ( 42 days ) later, I have not gotten any reply from the credit bureau regarding my dispute. Section 611 ( a ) states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been 42 days so they should be deleted promptly. I demand that these items be deleted immediately or i will file litigation due to stress, frustration & denial of credit due to these inaccurate items on my credit report. My personal information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.
Product: Debt collection

They are trying to collect a debt that does not belong to me just because the person has my same name, and they Obtained my information illegally without my permission, they are doing identity theft.