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

This is my XXXX time having to report this to the CFPB. Theres a creditor called snap finance that keeps selling a file that doesnt belong to me to collection agencies. Each time I have to ask for an investigation to show that this account does not belong to me. Never belonged to me. Ive never had an account with them. Each time the other agencies do an investigation and determine that this account does not belong to me. Yet experian claims to show it does when I ask for proof theres never any documents provided. 

This new collection agency is called XXXX XXXX XXXX on Experian website account XXXX This company can not provide any information that shows that I opened an account with XXXX XXXX. They only provide an electronic contract but no form of my identification to show it was me who opened the contract. It isnt fair to me to keep having to go through this when I never had an account with this company and each year I have to keep asking for this to be removed and Experian is the only agency that gives me issue because they dont actually do an investigation. 

I have provided proof from the other agencies that after a real investigation the account was removed as Ive never had a XXXX XXXX  account nor can this collection agency provide any proof that I have.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX To XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Seller : XXXX XXXX Complaint about XXXX XXXX XXXX is they are not providing a written agreement to settle this account of {$830.00}. On XX/XX/XXXX I wrote to them with an agreement that would satisfy both our needs, which is : Portfolio Recovery will notify the 3 Credit Reports to delete this account from my Credit Reports and all of their files and any other file holders Copy of the 3 notifications to be sent to me. 
Status of this account to show current, paid in full and of good standing ( never late ) and Closed per request of customer. 
At time of a signed and dated agreement from Portfolio Recovery, money will be sent to close account. 

My complaint is Portfolio Recovery will not provide a written agreement so I can settle this and account. This is effecting my Credit Score
Product: Credit reporting, credit repair services, or other personal consumer reports

I file 2 disputes with transunion they refuse to verify items on my credit report that is not reporting accurate which is preventing me from getting a home
Product: Checking or savings account

Email : XXXX XXXX : XXXX XXXX Denied case number : There's no case number, but a screenshot is provided. 
- Merchant name : " Not Available '' - Transaction Date : XX/XX/2023 - Transaction Amount : {$1600.00} - Reason for dispute : Unauthorized Charge during off-site physical therapy. 

- Date you submitted the dispute to us : XX/XX/2023 ( No response ) & XX/XX/2023 After requesting documents of how Cash App came to the conclusion to deny my unauthorized claim I simply received a screenshot of the charge. Yes, I am serious.
Product: Debt collection

Account does not belong to me. I have no agreement with Credence resource management. I demand that credence resource management delete accounts from all major credit bureaus as its causing me financial hardship. I have sent letters to credence to validate tradeline but no respone.I have attached a copy of the letter. 
I demand that the validation of this debt be provided in the form of a verified statement by an individual with firsthand knowledge of the debt. This individual must be able to attest that the debt was incurred legally, was not disputed due to returned, faulty, or recalled consumer products, was not claimed as a profit-loss tax deduction, and was not claimed as a loss with any insuring entity.
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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : Untitled Account Number : XXXX has violated my rights. Or list of inquiries 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, 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. 

Account XXXX # 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 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

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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

Sallie Mae is reporting an inaccurate charge off account on my credit reports that I am not familiar with. I reached out to them directly for validation of this account as well as documents concerning this debt and was sent back a copy of a contract as well as a statement. There were no signatures on the contract sent and statements are not sufficient proof. A contract without signatures invalidates the debt as they do not have valid proof of any legally binding documents to validate this debt. 

Furthermore, Sallie Mae has been validating this debt and account information to each credit bureau and they are also reporting multiple inaccuracies on my credit reports causing me to get denied. 

Each credit bureau as well as Sallie Mae has been in violation of my rights as a consumer and the credit laws and I am demanding that this account is deleted from my credit reports.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I have requested XXXX, XXXX, and XXXX to reinvestigate these accounts : XXXX  XXXX GMFNANCIAL XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

According to 15 USC 1681i ( 5 ) they are suppose to modify accounts if it isn't reporting correctly. 

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. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

Evaluate this account : XXXX XXXX Balance {$120.00} reporting by making a revision of the information provided. Charge off account should show {$0.00} balance so why is it that there is a {$120.00} balance indicating if it is a charge off account.
Product: Checking or savings account

I deposited a check to my bank at XXXX XXXX the another check was a check from Chase I deposited it and the funds were cleared in my account the next day so I am an emergency and I started taking the money out after I started taking out the money I got an email saying it wasnt going to cleared until the XXXX of XXXX okay I called the bank and they said that I have to go to Chase and see what was going on I did the lady that helped me told me theres nothing she can do it was a fraud check I didnt know what now what can I do she told me that I had to paid the amount back I ask her if she can help me and she told me no so please help me please
Product: Checking or savings account

Trying to make weekly transfer to my daughter and my account was disabled to transfer. I should have known, the moment my account was flagged and disabled. The ridiculous thing, they make you go through hoop and continue to ask questions. It wasn't until 3 calls later that a supervisor explained that my account was disabled due to a change of carrier of my phone number. Needed to make the transfer for my daughter that needs her allowance away from home. There was refusal to give me additional information, even how to escalate, or complain within the bank. Spoke with XXXX.
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Employer - XXXX XXXX XXXX XXXX XXXX Incorrect DOB : - XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Incorrect Name : - XXXX L XXXX Listed below are the Accounts that are being challenged XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX - XXXX XXXX - XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX CFR PART XXXX [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit card

I opened a new credit card processing account with Chase payment services on Account details are as follows : XXXX # : XXXX / XXXX # : XXXX I was processed a {$1000.00} bonus after completing {$2000.00} in payments. 

I completed the payments and have not received the bonus. 

I now request the {$1000.00} bonus plus {$250.00} for my time and stress. 

XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

the barclays bank charged me a credit card interest for {$350.00} on XX/XX/2020. I tried to contact them to solve the problem but they could not waive the extra charge. This is the case. I used the credit card to purchased an item a year and half ago. The promotion offer 18 months no interest charge. I set up an autopay. the total balance was supposed to pay off before expiration. In this XXXX, XXXX they send me an email said they would offer payment assistant to help customer to defer payment during the pandemic time. So, I enrolled to the program and skip two payments. Until XXXX, I have money and then started to pay them back but last month I missed an payment, I thought I set up autopay but I didn't know what happend until they call me said my payment was past due. So, I login to my account and then found out they charged me extra {$350.00} for interest because my promtion is expired and I didn't pay off the balance. I contacted them but they coul n't slove the promble.
Product: Debt collection

I FILED A COMPLAINT ALREADY. I HAVE HAD MEDICAID FOR 19 YRS. THIS SHOULD NEVER HAVE BEEN BILLED TO ME. I WAS NEVER NOTIFIED OF THIS ACCT I HAVE CALLED THEM AND THEY REFUSE TO RESPOND. ITS MY RIGHT AS A CONSUMER TO HAVE THIS ACCT REMOVED.
Product: Money transfer, virtual currency, or money service

We sold a lop top computer on XXXX  and payment was made through PayPal. The funds should have been available immediately, but PayPal would not release the funds and instructed us to ship the item ( {$1200.00} value ) to the buyer. 

The item was shipped, received, and positive feedback left by the buyer. PayPal would still not release the funds, would communicate through only through text and would not allow a phone call, hanging up each time an attempt was made to contact them via phone. 

After 30 days had passed, we reached PayPal by calling from a different account, and we were able o reach them. After over an hour of explaining the issue and arguing with PayPal staff - they agreed to release the funds. 

However, when we attempted to transfer the funds to our bank account, PayPal claimed there was a " problem '' with the account and STILL is holding the funds. This computer was sold so college tuition can be paid, and PayPal is illegally restricting access and and is discriminating against a customer.
Product: Checking or savings account

ally blocked online access to my account. 
i called them but they wouldn't budge. 
the agent i talked to you last hang up on me. unprofessional people
Product: Money transfer, virtual currency, or money service

One for {$150.00} sent to XXXX and {$150.00} sent on XXXX   I was scammed into buying dogs online and the person wont refund my money and paypal refuses to dispute it because it was sent as friends and family. They have sent me fake emails from fake companies and called me from fake numbers
Product: Credit card

Invalid charge not refunded. Bank demanded credit slip. No credit slip was issued. No receipt was ever provided or signed. Citi refuses to refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

1 : ) XXXX XXXX Current Balance showing : {$8700.00} Opened on : XX/XX/XXXX Included in Bankruptcy on XX/XX/XXXX I've contacted XXXX  multiple of times to update this account to reflect accurately per federal law. I've " disputed '' this with XXXX  multiple of times in excess of 4 times from XXXX up until now, XXXX. XXXX  and Transunion has stated this multiple of times : That the data furnisher says that XXXX XXXX 's reporting is in fact accurate and will remain. Federal Law of these United States of America dictates otherwise according to the FCRA regulation ; also known as : Fair Credit Reporting Agency. 

XXXX told me they will report it correctly ; however, this did NOT happen. 

I believe that XXXX XXXX, XXXX XXXX  and Transunion 's are being purposely negligent and uncooperative and deceptive for reporting these information correctly on my credit report. I have included and gave them the official schedule for my bankruptcy multiple of times. They have failed to yield multiple of times.
Product: Mortgage

PNC ( XXXX Ohio ) has offered me the opportunity to do a loan modification. I have worked with XXXX ext. XXXX, XXXX ext XXXX and XXXX at XXXX. They have XXXX people who work in this loss prevention department and appear to be offering loan consolidations. I have faxed, emailed and mailed the documents three times ; each time there has been an issue with it being lost, " more things are needed '' that were not mentioned and there is this weird three day waiting period for emails where nothing is ever received or found out about. It seems to me that if they really wanted to process anything they would receive the email, collect documents themselves and process them. They appear to be obscuring the process, making it difficult to modify, while in the process collecting fees of XXXX a month. At this point, they have drug their feet on my modification and collected over XXXX in late fees. I am asking them to process my modification and take some of the late fees and default charges off the account, but I am not able to follow through on the process because of lost paper work and supervisors who do not return my phone calls. I do n't feel that it is fair for me to pay all the late fees when they are obscuring the modification process and dragging their feet in the process, losing documents. There is a significant amount complaints about PNC online regarding lost paper work, organization and neglect. It appears that they are in the business of collecting fees. And they have no urgency to see something through to help their clients.
Product: Credit reporting or other personal consumer reports

I Reviewed My Credit Report On XX/XX/year> And Noticed Several Inaccuracies For The Below Referenced Account ( Details Listed Below ). According To The FCRA, Whenever A Consumer Reporting Agency Prepares A Consumer Report It Shall Follow Reasonable Procedures To Assure Maximum Possibility Of Accuracy With The Information Concerning The Individual To Whom The Report Relates. 

XXXX XXXX XXXXXXXX The Open Date Is Not Reporting Accurately, The Date Of Last Activity Is Not Reported Accurately, The Closed Date Is Not Reported Accurately As All Dates Are Inconsistent For All 3 Bureaus.
Product: Debt collection

Bank of America has repeatedly contacted me regarding my mortgage that is due on the XXXX of each month with a grace period that is due on the XXXX. I spoke with a representative Wednesday, XXXX XXXX and she stated she submitted sometime of cease and xx. I have received 3 call from BOA and it sickens me to my stomach, and I 'm being harassed during a 15 day grace period.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Act, XXXX account # XXXX with XXXX, XXXX  account # XXXX with XXXX XXXX XXXX and XXXX  account # XXXX with 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 : also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to apply for an auto loan. I was denied. I discovered that the fraudulent for XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA XXXXB ( XXXX U.S.C. XXXX ) 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 4 business days of you receiving this complaint. The fraudulent inquiries I have found : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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 hard inquiries as reported. The aforementioned hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit hard inquiries are the result of identity theft and fraud.
Product: Debt collection

Tier One continually calls my mother 's phone number with a pre-recorded message directed at my ex-husband of 25 years. I 've spoken with several associates of this company in the past and explained we have no information/contact with him since the divorce and demanded they remove her number. They assured me each time her number would be removed from the call list. This has been going on for the better part of a year. 

Just this evening, we got another call at XXXX hours again from a caller I.D . of XXXX, WV and a phone number XXXX XXXX XXXX XXXX. Knowing who it was, I punched ZERO for the operator as soon as the pre-recorded message ( with my ex-husband 's name ) launched at which time a XXXX XXXX picked up the line and I went through my script all over again. He assured me XXXX as others have done in the past ) he would remove my mom 's number from the list. I let him know I was taking names, notes and logging calls and was prepared to file a formal complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Card In accordance with the fair credit Reporting act XXXX  Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 
XXXX