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

The account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately.

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately.

Also, the credit bureaus DID NOT include an account number as to the claim on my report, thus indicating that the account is fraudulent.

The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. The account from XXXX XXXX XXXX doesn't have an account number which furthers the validity of the=is claim. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Approximately 16 months ago, I reported my Citibank Simplicity VISA Card as lost or stolen. When Citibank issued me a new card, they advised me to give any authorized merchants my new card number. At about the same time, I cancelled ongoing business with one merchant, XXXX XXXX newspapers. I refused to give XXXX my new account number, but they refused to take no for an answer. Over the following more than a year, XXXX submitted charges to my account under my old account and Citibank authorized these charges and posted them to my new account number. I disputed every one of them. Citibank approved every disputed charge. Finally, on XXXX XXXX, XXXX submitted a charge of {$50.00} which Citibank approved, despite lack of authorization to do so.
I need Citibank to once and for all lock out ALL charges submitted under my old account number. I also need Citibank to permanently block any and all charges from XXXX XXXX for any amount, at any time, and for any reason. I also need Citibank to permanently reverse the {$50.00} charge of XXXX XXXX from XXXX XXXX. Federal law gives me the right not to have to deal with unauthorized charges and Citibank 's actions are violating these federal laws.
Product: Checking or savings account

On XX/XX/23 I received a letter informing me that one the business checking account is in the process of closing, regarding a cashier check that was deposited on XX/XX/23. I have spoken to multiple agents regarding this matter and in the notes it states something about forgery. The check is valid and can be verified, this check was deposited by the US Bank branch manager himself on XX/XX/23. The remitter of the check can verify the check and provide any information that is needed. I went to the US Bank branch on XX/XX/23 and talked to branch manager about this situation and he himself remembered the XX/XX/23 transaction. I want access to my funds as soon as possible.
Product: Checking or savings account

Citibank locked my account after I had already deposited my paycheck in the account
Product: Checking or savings account

XXXX I inquired about my interest balance Which was {$5500.00} the maturity date was XXXX XXXX XXXX XXXX  so I was asked to contact someone at another branch. Which I did. 

XXXX I contacted a XXXX XXXX she told me to give her XXXX days been almost XXXX weeks I just Want the information that XXXX at % XXXX turned into {$5500.00} in last than XXXX months
Product: Credit reporting or other personal consumer reports

I sent disputes to XXXX, Equifax, and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 30 days and they have failed to respond. I am attaching copies of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Credit reporting, credit repair services, or other personal consumer reports

The report given was made in violation of the FCRA, which requires the accuracy and the authenticity of the debt being mine, the accuracy applies to the ownership of debt as well as its authenticity being derived from my action
Product: Mortgage

The lawyer 's charges were adding up, then, I decided to settle with Bayview. I spoke to XXXX XXXX my point of contact in Bayview on XX/XX/2018 regarding the payoff amount. He told me that I needed to pay {$24000.00} including all the late charges to bring my account current. However, on XX/XX/2018, I sent a cashier 's check by XXXX for {$24000.00} to Bayview which was the payoff amount to bring my account current. Bayview received and cashed the cashier 's check but still continued to send me threatening messages that the will foreclose my house if payment is not received. As a matter of fact, I overpaid Bayview and they need to refund me, they charge me for Escrow ( tax and insurance ). Bayview has no justification in charging me for Escrow. I always pay tax and insurance on my house direct by myself and I have fully paid the tax and insurance for this year. I have also an unapplied fund of {$1400.00} on my account which Bayview refuses to refund back to me. My regular mortgage payment is XXXX per month, now XXXX has increased my payment to {$2200.00} without any justification. Moreover, I paid the payoff charge of {$24.00}, XXXX in XX/XX/XXXXy and in XX/XX/XXXX, I paid another {$2200.00} which is my regular monthly payment. As of today, my account should have been current but Bayview sent me a billing statement showing an outstanding balance of {$5900.00}. At this point, it shows that they are trying to frustrate me. I have contacted my lawyer and I am going to take them to court. See Attached
Product: Credit card or prepaid card

Today I received a phone call from Avant about a card that I opened but never used. They asked me for the last 4 digits of my social security number & because I've never used this card, I thought it was suspicious they were calling me and denied giving them my information. 

When I got home, I checked my mail to see a bill from Avant showing that there were 14 separate transactions at XXXX, XXXX XXXX on XX/XX/2003 for {$100.00} each. My credit score also took a hit. 

I don't shop at XXXX on XXXX XXXX and haven't done so for many months, possibly even years. 

I know for a fact that someone used my card, as it is a card I had opened in order to increase my overall line of credit. 

I am filing this report in order to get this issue resolved.
Product: Debt collection

My XXXX year-old mother has been telling me for many months that someone is calling her house every day and then not talking when she picks up. I was visiting and saw calls from this number on her phone memory for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX and XX/XX/XXXX. I googled the number and the company and there were many complaints from people and I got their contact phone number. When someone answered, I told him that I wanted to know why they were harassing my XXXX year-old mother. He told me they were looking for someone named XXXX with the same last name as my mother. There is no one named XXXX in our family. They just randomly chose my mother to harass because she shares the same last name with the person they want. They made no attempt to find out if he lived at the number they were dialing FOR MONTHS!!!
Product: Debt collection

I have disputed this on numerous occasions, and I have called because this is not my account, I have asked them to provide me with proof that this is my account and they could not because it is not my account, all I am asking is that they remove this from my credit report because I did not open this account, and they have yet to do spinster they keep on harassing me about it.
Product: Checking or savings account

XX/XX/2024 Enrolled in account via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, to earn credit from XXXX. The option to fund the account by linking an account by verifying micro deposits was given. I chose that option and provided routing and account number information to link my XXXX XXXX  account. 

XX/XX/2024 Attempted to login to the CIT account. The account login page displayed an error of 'try again later '. My XXXX XXXX  account did not show verifying transactions. 

XX/XX/2024 Contacted CIT support by telephone, XXXX. Was told the account was not approved and to contact XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX for an explanation. The agent told me I could " send a mail '' a couple of times, then said I could " send a letter or a mail. ''
Product: Checking or savings account

On XXXX XXXX  2024 PNC Emailed me at XXXX XXXX  that my account was low on cash. When I logged in I noticed all my accounts had an available balance of XXXX dollars. I called and PNC fraud informed me there was breach of my account number and that I needed to open a new account. On the morning of XX/XX/XXXX I made a XXXX $ internal transfer from an account ending in XXXX to XXXX which should've been instant. It is XX/XX/XXXX and I see a transfer done and labelled as MISCELLANEOUS TRANSFER with the amount of XXXX XXXX Unfortunately I want to close my account in full and now PNC is telling me I can't because of that transfer THEY originated. I took screenshots of their online banking system showing the XX/XX/XXXX transfer I did was completed in full hence why there shouldn't be ANY pending transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB Write up XXXX 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
Product: Mortgage

My parents died without a will. Their home has been vacant for over 10 years. My siblings and I pay the taxes on the home but have not been able to get information on what is owed on the house from PNC Bank. At the time of my fathers death there was an installment loan to National City Bank of {$28000.00} I have contacted PNC ( they took over National City 's accounts ) to have them find out about this loan. I was advised to get an attorney which I can not afford. We need to know what is owed on the house. Can you assist us?
Product: Debt collection

I am perplexed by the slow process of your investigation, especially when other credit bureaus have promptly addressed similar disputes. I am a victim of inaccurate reporting, and I have diligently followed the proper channels to rectify the situation. The delays in the investigation process are causing additional harm to my financial well-being and mental health. 

XXXXXXXX XXXX XXXX -PLEASE DELETE!!! XXXX  and XXXX have already removed this account from their records. 
XXXX XXXX XXXX XXXXPLEASE DELETE!!! XXXX  and XXXX have already removed this account from their records. 
XXXX XXXX XXXX XXXX XXXXPLEASE DELETE!!! XXXX  and XXXX have already removed this account from their records. 
XXXX  XXXX XXXX-dismissed Reference # : XXXX -PLEASE DELETE!!! 
I am confused as to why the other credit reporting agencies have promptly addressed similar disputes while your bureau seems to be ignoring my requests. I request that you expedite the investigation of my dispute and promptly remove the inaccurate information from my credit report.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I request the removal of the following items from my credit report : Inquiries XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX TransUnion XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion  These items are inaccurate and violate the Fair Credit Reporting Act ( [ 15 USC 1681e ] ( b ) ). Your agency must ensure the information you report is correct.

Additionally, under [ 15 USC 1681b ] ( a ) ( 2 ), you have shared my confidential information without my permission, breaching my privacy rights as per [ 15 USC 1681 ] ( a ) ( 4 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 XX/XX/2018 XX/XX/2018 XX/XX/2018 XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Debt collection

Hunter Warfield was not my oringinal collection agency it was XXXX XXXX   which means XXXX XXXX wrote off my debt in their tax return and the contract was canceled with XXXX XXXX and I shouldnt owe Hunter Warfield anything. I spoke with Hunter Warfield twice to reduce the amount to pay because with the negative payment on my credit I am unable to quailfy for another house. The customer service representative only reduced it by {$50.00} dollars.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX  XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX , GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$450.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$410.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$7800.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$180.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$8400.00} ; XXXX XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/2019 Reference # : XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Student loan

I've seen no changes for the accounts that I have filed last month. I still see multiple 120-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
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. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my 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 creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

NAVY FEDERAL CU account with debt amount of {$750.00} is not mine, identity theft. dispute has been sent to the company 4 times without any solution.
Product: Debt collection

Close to 30 fraudulent Telechecks ( fane check numbers, fake business names ) have appeared in my Checking Account from XX/XX/XXXX - till XX/XX/XXXX. 

It appears that has someone stolen my check routing number and account number. 

On XX/XX/XXXX I have closed that account and using Lost/Stolen XXXX XXXX account transfer - new account was created. 

On XX/XX/XXXX Fraud Party tried to still additional 3 Telechecks funds using same fake business name from my old and now closed account. Since account was closed - I lost no funds. And Frau Part was not paid. 

However, that FRAUD PARTY was unhappy about that - and they used TRS Recovery Services , Inc., located at XXXX XXXX XXXX XXXX, XXXX GA XXXX, to cooperate with them! So, without ANY checking, TRS have send to me 3 Notices of Unpaid Electronic Fund Transfer, trying complete this theft attempt by that Fraudulent Party! What a brazen arrogance!! 

-TRS Reference # XXXX ( TRS wants to collect {$24.00} in fraudulent Telecheck ) TRS Reference # XXXX ( TRS wants to collect {$19.00} in fraudulent Telecheck ) TRS Reference # XXXX ( TRS wants to collect {$37.00} in fraudulent Telecheck ). 

When I called TRS and let them know it was a fraudulent transaction to against closed bank account, they refused to stop Notices unless I write down the routing number, account number, and my SS Number and fax them to them! Really??? Fax such data to complete strangers so my data can be compromised again?? When I called them at XXXX, and selected # 4 for fraud - there is NO operator there! Recording insist on faxing to them the data I listed above. Unbelievable. 

TRS is now actively assisting in this fraud and they are NOT willing to start their own investigation following my 3 calls telling them it is fraud! I was forced to file a Police Report as I have no idea what else I can do. XXXX XXXX advised that this type of fraudulent collections are outside of their responsibility.
Product: Money transfer, virtual currency, or money service

PayPal held my money for 6 months with a promise to contact me on how to get the balance afterward. I never received this message and lost over {$600.00} in the process. They are blocking my account from withdrawing and they ALSO blocked me from contacting them so I cant even reach out to them to withdraw.
Product: Credit reporting or other personal consumer reports

I mailed this company a letter on XX/XX/year>, asking for validation of such debt and also requesting the purchase agreement of such account. 
This letter was mailed USPS Certified Tracking Number : XXXX XXXX XXXX XXXX XXXX XXXX The company signed & received my letter on this date : XX/XX/year> This company never responded back to me. 
I have noticed this company keeps updating inaccurate information as well as increasing the balance on this account to the credit reporting bureaus. I just dont understand, I never received anything from this company about this debt, nor do I have any contract with them for them to keep increasing the balance, nor did they ever respond to my certified mailed letter. 

*Copy of the written request sent to company attached. 
*Copy of the USPS CERTIFIED TRACKING RECEIPT attached. 
*Copy of signature from company that they received my letter. 
*Copy of my credit karma account showing this collection balance increasing.
Product: Credit reporting or other personal consumer reports

I am writing to report that I am a victim of identity fraud. As a result, there are unauthorized inquiries on my credit report that I need to have removed. Additionally, there are incorrect addresses associated with my file. 

I seeking for help I also send letters to three credit bureaus but I never recieve any response from them. Please delete the following incorrect addreses and unauthorized Inquiries. 

XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I kindly request your assistance in correcting these issues to restore my credit profile. 

Thank you for your attention to this matter.