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

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

Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXXXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX has violated my rights. Or a 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 an 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 or 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 or credit management

XXXX Call was initiated by Panamerican Consulting LLC who convinced me to sign up to consolidate my credit cards. Over the first month I attempted to get on the client portal called frequently to have assistance to access the client portal. Was never able to, they would say they reset my password on portal and was never able to access my client portal. I asked for invoices showing payments made to company to be emailed to me, was told they would do it and I never received emails. Continued to try to get this information over the course of the last year. After speaking to a friend in the banking business, they did investigating and found out Panamerican Consulting LLC is a validation company, not a consolidating company. Before all of this begin my credit score was in the 800s, I was told they could get my debt down by 50 % that they would negotiate with the credit card companies. They charged me XXXX monthly for the past 12 months. The only thing I have received is a lil over XXXX in debt and my credit is now completely ruined. On XX/XX/year>, I went to my local bank and with one of the bankers there who assisted me I broke the contract with Panamerican Consulting LLC. I am now in the process of taking money out of my XXXX to repair the damage that Panamerican Consulting LLC did to my credit.
Product: Debt collection

Dispute Bank of America. Account was deleted from XXXX XXXX. Deleted XXXX XXXX XXXX still in violation. 1681b maximum accuracy. Date of last payment doesnt match date of closed account. Age of account is reporting falsely. Historical records and pay history is not full and complete. Misleading as closed account but not COLLECTION. Manipulating and violating my rights. Not My address data breach sending harassment letters
Product: Mortgage

This property is a part of an Estate, the homeowner passed away and with all of the confusion she did not or they could not find a Last Will and Testament. 
They had to go to Surrogate 's Court and they did. the property in question now that has a sale date for XX/XX/2018 @ XXXX XXXX XXXX XXXX , XXXX , New York XXXX never received a Summons or Complaint, Never received a Motion or Judgment or Foreclosure Notice. The only document they received was A Notice of Sale on XX/XX/2018. Caliber has a rule that if you are requesting a Loan Modification it must be submitted 37 days before the sale date? 
They were not even given a Thirty Day Notice before a sale. We are asking for help in this situation. We called Caliber Home Loans to request help they refused. 
They have not served or notified anyone concerning this property until the XXXX of XX/XX/2018. We contacted the attorney representing Caliber /the investor The XXXX XXXX XXXX XXXX XXXXXXXX as Trustee for XXXX XXXX and they have no information except the sale date. of XX/XX/2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiry listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE INQUIRY COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX
Product: Mortgage

On XXXX XXXX 2016, Nationstar Mortgage called my husbands work, which is a public phone line that anyone can answer. It was an automated system, therefore when whomever answered the recording just went on to give out our personal information, such as name and the mortgage company calling and the reason for the call. My husband called me and asked if we had made our payment, I said yes, I sent it in the mail the previous week. I called Nationstar to see why they had not contacted my personal cell phone instead of calling my husbands job. They apologized and said it would not happen again. Thirty minutes later my husband called and said they had called again. I called the mortgage company again and they seemed unconcerned and the supervisor had a smart attitude about the situation. This was very embarrassing and harassing especially when we are not and have never been past due!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore and such debt, in fact therefore exists
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a hard inquiry on my XXXX report from Wells Fargo Bank. I contacted them but they will not remove the inquiry from my credit report. I was able to find out that someone applied for a XXXX credit card using my XXXX and they are supposed to be investigating. When I asked how to have the inquiry removed I was told I had to file a police report or file a report with the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  XXXX Balance : {$7500.00} XXXX  XXXX Balance : {$9400.00} XXXX XXXX Balance : {$4100.00} XXXX XXXX Balance : {$11000.00} XXXX  XXXX Balance : {$13000.00} XXXX XXXXXXXX Balance : {$62000.00} XXXX XXXX Balance : {$29000.00} XXXX  XXXX Balance : {$25000.00} XXXX XXXXXXXX Balance : - XXXX XXXXXXXX Balance : -
Product: Credit reporting or other personal consumer reports

XXXX XXXX I have previously sent out a complaint through the XXXX portal to rectify my information on my credit report not reporting a 100 % accurately. And my rights are being violated, i also made a complaint statement regarding the tax fraud That Equifax is doing .How your company is illegally reporting a charge off on my credit report still You violated FCRA 15 USC 1681eb and the information you reported is not 100 % accurate. On top of the Tax Fraud you have committed. My complaint today is to address the willful neglect and lack of response to my previous complaint with the CFPB i have give me 30 days which is the more the reasonable time. For you to fix the situation i have not received the response back or letter regarding these matters. XXXX XXXX XXXX XXXXXXXX, This account is still On my credit report.. Remove it at once. Thank you XXXX XXXX
Product: Checking or savings account

I received information that I was part of the Wellsfargo unauthorized account openings, I got letters from Wellsfargo stating that I was removed from liability from those accounts. However within those account still are reporting on XXXX XXXX XXXX. They are also on Wellsfargo systems as negative reporting accounts.
Product: Credit card or prepaid card

My name is XXXX XXXX and I sent EXPERIAN documentation for fixing a error on my credit report several times ... They still didnt fix the errors on my credit report ... .I sent XXXX balance letters from the 2 companies ... XXXX XXXX and XXXX  XXXX... and they still wont remove the balances that they have on my credit report ... .Experians errors caused my credit score to go down ... .I 'm trying to maintain and build my credit up... .Please help me... .thank you
Product: Checking or savings account

I had an account with PNC BANK and for the last few years I had a problem with overdraft charges, several due to slow posting of withdrawals. I would check account and it was fine and then I would get several NSF charges due to not posting correctly. I had several small pmts and they posted larger ones and made smaller ones msg. They posted and cleared a check and then 3 days later backed it off. Please help
Product: Checking or savings account

Hello, my Bank of America account has been closed XX/XX/year> due to what the said was fraudulent activity. I did not have any fraud activity on my account. When there was a couple years ago I had to get a whole new account. Now It is reporting badly on my social which has frozen my account with XXXX XXXX. Every time I speak with XXXX XXXX its a different person and someone says something different each time. This time the young lady told me to make a report here about my account being taken down. Also the young lady stated on the phone that I do not owe bank of America any money. Which also is confusing to me because if I committed fraud I would owe money.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXXXXXX  Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account XXXX : XXXXXXXX XXXX Account Number : XXXX Account name : XXXXXXXX XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX an i am reporting Experian credit report agency again. i filed a complaint with the cfbp regarding this issue but experian still do not want to remove all the false informations that they add posted in my file. they never prove a prove of verification to me they never sent to me any letter regarding this issue, any time i log into the so call site of experian to check the result the site do not work at all. Also XXXX and XXXX deleted all the false information about late payments posted by XXXX and all the late payments posted by XXXX XXXX, they sent me a copy of my credit report show all those informations was deleted, but experian still keeping them on my file this company put information on consumer credit file without verifying any of those informations. I asked experian to sent a copy of all the verifications that done with my name on them, they never respond to me even though that they sign the return receipt back to me which is a prove that they did receive my letter and request but they refused to answer me and still keeping those late payments that do not belong to me on my file to destroy my credit. since they can not verify and prove me that those late payments belong to me for more then 60 days i demand immediate deletion or i will have to sue them in colorado federal court of justice
Product: Checking or savings account

I have had a Citibank personal checking account for more than 20 years. On XX/XX/XXXX, Citibank representative XXXX XXXX called me to me inform me that accept direct deposit payments as a sole proprietor is a violation of " banking regulations. '' ( I am an author and had begun accepting direct payments from my literary agency only during the pandemic. ) She informed me that this was only allowed in business accounts by banking regulations.

I left that conversation concerned that I had been violating some regulation for years, and not been informed about it, and hastily got ready to open a business account with Citibank, which, I quickly learned, would charge me a fee. I paused, and contacted my accountant, and then my literary agent, and then two other banks I work with. All informed me that there is no such " banking regulation '' that stipulates that a sole proprietor can not accept direct payments in a personal checking account. 

I contacted Ms. XXXX and informed her of this fact, and asked her to specify the regulation if she thinks I was mistaken. She could not specify the regulation ; she said that she was new to Citibank after 20 years at XXXX and that this was just how the banking regulations had always been. 

I left that conversation, looked into the matter further, and contacted her again, positive that there is no such regulation. In our third conversation, Ms. XXXX said that she had made a mistake in how she put it, but that I simply couldn't do this with a personal checking account. Again I asked her to point to the regulation. She said she'd have to check with the Citi legal team. The following day, she sent me a long document, dated XX/XX/2020, with a half sentence that says personal account holders agree not to use their accounts for " business purposes. '' Again, I've had the account for 20+ years, have talked to representatives at branches about my work numerous times, and never told that accepting payment for contract work or wages was a disallowed " business purpose. '' As we were both in one-party consent states, I recorded my final conversation with Ms. XXXX. She was never able to define " business purposes '' for me. Clearly, she wanted me to open a fee-based account, and continually said that she's just trying to " help me '' comply with " banking regulations. '' No customer should be made by her to feel that they are violating banking regulations. If it's a Citibank policy, I suppose they can make whatever policy they want. But this was framed to me as if I was doing something illegal. 

I'm sure plenty of other customers are bullied into opening fee-based accounts in this manner, and I doubt it is legal for a representative to suggest to a customer that they are violating a law, when no such law exists. I plan to move my business from Citibank anyway, but I don't want future customers to be intimidated in this same manner into paying fees for accounts.
Product: Credit reporting or other personal consumer reports

I am writing to express my ongoing frustration and concern regarding the failure to remove fraudulent items from my credit report. Despite my previous four attempts to address these fraudulent items, they remain on my credit report, significantly impacting my creditworthiness and causing undue financial and emotional distress. I have diligently followed the procedures outlined by the Fair Credit Reporting Act ( FCRA ), including submitting police reports, affidavits, and other supporting documentation to the credit reporting agencies. However, the agencies have not taken the necessary steps to investigate and remove these fraudulent items. The continued presence of these fraudulent items on my credit report has resulted in numerous negative consequences, including denial of credit opportunities, increased interest rates, and significant stress. Please help me remove these items immediately : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$9000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$4000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$540.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$9000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4000.00} ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX DEPT OF ED XX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$9000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

UNAUTHORIZED CREDIT INQUIRIES : XXXX  XXXX XXXX  XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies   Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX  XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX   XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Sales Financing Company Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX  XXXX   Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I pulled my credit report and noticed these 2 accounts are being furnished by the wrong creditor. please remove these accounts, these 2 accounts were Sold. 


FURNISHER : XXXX XXXX Account number starting with : XXXX DISPUTE ITEM : The whole entire account DISPUTE REASON : This account is being furnished by the wrong creditor REQUESTED ACTION : please remove from my credit report. 


FURNISHER : XXXX  Account number starting with : XXXX DISPUTE ITEM : The whole entire account DISPUTE REASON : This account is being furnished by the wrong creditor REQUESTED ACTION : please remove from my credit report.
Product: Credit card

My American Airlines Aviator card issued by Barclay 's was charged {$2800.00} on XX/XX/XXXX. I did not make this charge. I reported the charge to the credit card company and received a new card. 
On XX/XX/XXXX, Barclays informed me that " documentation '' from the merchant showed the charge is legitimate and they reinstated the charge to my card. 
When I called Barclays on XX/XX/XXXX, they gave me the website where I supposedly placed the order and the IP address from which I supposedly place the order. 
When I investigated the website, I learned that it does not exist and never existed. The IP address arose from a different city from my residence or work. In addition, the products that I supposedly ordered do not exist. Of course, I never received any merchandise. 
When I informed Barclays about this information, they stated that I need to pay the charge. 
I did not make the order, the order is completely fraudulent, and I never received any merchandise. Barclays is violating their No Fraud guarantee and should not be permitted to make me pay for this.
Product: Debt collection

In XXXX, XXXX, I received very strong email communication from Aubrey Thrasher , LLC, a collection firm who was representing XXXX XXXX for a business loan for my business, XXXX XXXX XXXX XXXX XXXX. Here is an example of XXXX of the many emails they sent. They had not ever called me, nor had they emailed me. I had already made payments on the debt, and had also reached out to their representative, XXXX XXXX, who instead chose to use personal insult against me, making fun of my vocabulary in emails, and claiming I was being uncooperative. I wasn't, and I was paying the debt as best I could. I paid the debt off, within the timeframe that was allowed in the the agreement they sent me. Here is XXXX XXXX 's email below :. 
" I am following up regarding the claim against you by our client, XXXX  XXXX XXXX, XXXX. The case was forwarded to begin litigation via our local attorney. If you have any intention of resolving the debt prior to the filing, please contact me immediately. If you have retained an attorney WHO WILL ACCEPT SUMONS, please have the attorney contact our office as soon as possible. 
This is an attempt to resolve your case prior to the actual filing of a lawsuit against you personally. Our office has made repeated attempts to resolve this issue with you via email and phone, to no avail. You assured our client that you would resolve this by a certain date, but you have been completely uncooperative. Before we start the litigation process, our client has asked that we extend a final opportunity to the defendants to resolve the case. Upon further research, we now understand that there are personal assets, as well as possible business assets to pursue upon obtaining a judgment. Our client has plead with us not to delay in the filing if you are continually unwilling to resolve the case. Please be advised as of this moment : do not remove, relocate, sell or otherwise obstruct the enforcement of our clients UCC lien against the assets of the business. 
Should you decide to settle the account in a lump sum, we will immediately forego the lawsuit being prepared against you and release the UCC Lien ( s ) on the business and its assets. If we do not hear from you, we will commence with litigation efforts against the business and guarantor in the County Magistrate or State Court, whichever is the appropriate venue. Please provide your decision as promptly as possible '' I then continued making payments directly to Aubrey Thrasher , LLC, and paid it off within the timeframe that was listed in our written agreement. They never sent me any proof that the debt was paid ( I have documentation of all payments ), nor did XXXX release any UCC filing. 

In XXXX of XXXX, I received an email from XXXX, claiming that I still owed the balance of {$4300.00}, and that if I didn't pay it, they would proceed with suit. Either XXXX XXXX never reported my payments to them, or XXXX is incredibly incompetent, but this debt has been paid in full, and XXXX and/or XXXX XXXX is required to release any UCC lien against my now defunct business.