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

On AUGUST 17, 2023, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14, 1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Checking or savings account

Chase placed several erroneous stops and I've had to double pay over {$2000.00}. Chase does not credit account. No one speaks to me although XXXX in presidents office is assigned.
Product: Credit reporting, credit repair services, or other personal consumer reports

WAYFAIR AND COMMENITY IS REPORTING MY XXXX  CARD XXXX, THIS ACCOUNT WAS PAID IN FULL NEVER LATE AND CLOSED LONG BEFORE BANKRUPTCY
Product: Debt collection

IQ Data c ontacted me regarding a debt my ex was responsible for. I informed them I was not responsible and that I would have him contact them. A few days later I was contacted and informed that he had set up a payment arrangement and they were calling to see what I could do. I again told them I was not responsible for the charge and that I was preparing for a military  XXXX  and to contact him. Once again they called and this time he told me to consider a settlement to prevent them from placing this item on my credit report. I asked them did my ex make an arrangement and any payments and the gentleman said yes to both that my ex made an {$850.00} payment and set up arrangements of {$330.00} to cover the remaining balance until the debt was paid. He then stated that he was offering me a deal to save money to prevent them from ruining my credit by placing it. I told him the debt was n't mine and if my ex was actively paying them why was he threatening me with a settlement of {$1500.00}. I told him to please continue working with my ex and leave me out of it. They then placed this item on my credit report. My ex contacted them and again they told him they would do a deletion for a complete payment and he stated he was n't in the position to pay that amount and the supervisor then told him " I 'm taking you off of the payment plan since you wo n't do the settlement. '' This company is horrible! They are bullying individuals with the threat of reporting items and them forcing settlements in order to delete them. This is not my debt, this item was placed on my report specifically for the refusal of my ex to pay a lump sum. Although he already paid them {$850.00} to set up the payment plan, after refusing the settlement they removed him off the payment plan and then proceeded to take the {$330.00} anyway.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting company XXXX has recently been subjugated to mass headlines for data breaches and incorrectly reporting consumer information. I feel that I have been a recent victim of such activity, and as a result have fraudulent entries reporting on my credit profile that I would like to have removed immediately. The entry displays as the following Account : XXXX XXXX XXXX XXXX Open Balance : {$3500.00} Opened : XXXX XXXX, XXXX  Type : No info
Product: Debt collection

I am writing to inform you that my identity may have been compromised, and I believe it is linked to an incident that occurred several years ago at XXXX XXXX. In 2015, I lost my wallet at the store located at XXXX XXXX Located In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX. The wallet contained my driver 's license, social security card, and several credit cards. Despite my efforts to locate the wallet, it was never recovered. 

Since then, I have noticed suspicious activity on my credit report, including unauthorized accounts and inquiries. I am concerned that my personal information may have been stolen and used to commit identity theft.

I am taking steps to protect my identity, such as filing this police report and placing fraud alerts with the credit bureaus. I am continuing to monitor my own accounts and credit reports for any signs of fraudulent activity.

Thank you for your attention to this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NOT RECIEVED ANY VERIFICATION OF DEBT OR REPLY. COMPANY VIOLATED THE CEASE AND DESIST BY REPORTING TO CREDIT BUREAU WITHOUT PROVIDING ME WRITTEN PROOF AS REQUESTED. I HAVE NOT RECIEVED ANY PROOF OF DEBT OR SIGNED DOCUMENT BY ME THAT VALIDATES THE DEBT AND ITS BEEN OVER 90 DAYS. LAWS 15 U.S. Code $ 1681c-2 HAVE BEEN VIOLATED BY THE COMPANY 'S ACTIONS AND I REQUEST YOU TO REMOVE THE NEGATIVE ACCOUNTS FROM ALL BUREAUS IMMEDIATELY! I WILL BE LOOKING TO FILE SUIT AND COMPLAINTS WITH FTC BECAUSE MY RIGHTS AND LIVELIHOOD HAS BEEN AFFECTED BY THEIR ACTIONS.
Product: Mortgage

I have my mortgage with PNCBANK. They have just switched over to a new system where you get mortgage statements every month in the mail. I received my first statement with a statement date of XX/XX/XXXX. I noticed it had a past due amount of XXXX. This is incorrect. I have paid my mortgage in full on time for several years. Nothing is past due. 

I called PNCBANK Mortgage customer service and explained my issue to them and they investigated and said they could find no past due amount. They said they have had issues with the statements being incorrect and would send me a corrected statement. I received a second statement with a date of XX/XX/XXXX with the same XXXX past due. I called PNC Customer service again and after investigating they again said they do not see any past due amounts and they were going to open a complaint and someone would get back to me in 24-48 hours. Nobody ever called. I called them again in reference to another complaint with another account and while i was on the phone with them i checked on this complaint. They text messaged the guy they said its assigned to and he said he would get back to me in the afternoon on XX/XX/XXXX. Nobody called. I told them if nobody calls me on XX/XX/XXXX i am filing a complaint with the CFPB. Nobody called. 

Every time i have a issue that needs to be addressed with PNC i have the exact same issues. No calls back. Denials. Nasty responses which i will be detailing in another CFPB complaint. I had a escrow issue a few months back that had to do with a NJ Tax rebate which i spent hours on the phone about while i got denial after denial and finally they admitted i was right and adjusted my escrow and my payment in my favor. My account history definitely needs to be looked into. When is somebody going to hold these banks accountable. I thought that with the new administration this was not going to be allowed to go on anymore and they were going to be held accountable. The escrow situation i described above goes on every year. I live in NJ. Residents get a Tax rebate that has to be applied. They don't do it and when you call them they deny that there needs to be a change. They get verbally nasty. I am a customer and should not be treated in that manner. 

There is absolutely no accountability ... None. I thought things would have changed since XXXX. Nothing has changed. They are operating the same way as they were in XXXX. On another matter they were told that because of the COVID situation they were supposed to reach out and help people out. They are helping no one out. Same as in XXXX. I asked them how are you helping homeowners out? They had no answer. They are so irresponsible that they have to have a CFPB rep sit in on their meetings to make sure they are doing the right thing.
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance.
Product: Debt collection

Someone who lives in XXXX took out an auto loan using my ss number. i live in XXXX, Il and have no knowledge of who this person is or how she got my ss number. Past Due amount is {$4800.00}
Product: Credit card or prepaid card

I had a XXXX  credit card with XXXX XXXX. A few years back I upgraded my credit card to the XXXX XXXX with XXXX XXXX and closed the regular XXXX account. Back in XX/XX/XXXX I was in a XXXX store and did not have my credit card with me so I asked if they could look up my card and pay for it that way. They did, but did not tell me that they were looking at my old account and that they could not look up the XXXX. So, I made a purchase of {$65.00} on XX/XX/XXXX with them having looked up my account. Then, on XX/XX/XXXX I made a return of {$56.00}. On XX/XX/XXXX I was in the store again and did not have my card. Because they were able to do so the first time and did not tell me it was the regular card, I made a purchase for {$34.00} and then again another purchase for {$81.00} on XX/XX/XXXX in the same way. Up to this point, I had not received a bill or email saying I needed to pay a bill because the account was supposed to be closed. I never thought to login online because I had been using XXXX   XXXX online, which I consistently pay every single month and have not missed one payment. I received a late fee of {$9.00} on XX/XX/XXXX, still not knowing a payment was due. On XX/XX/XXXX I received another late fee of {$14.00}. This time I started receiving phone calls from a number I didn't know and eventually they called my parents house and my mother answered, it was XXXX. That is when I finally found out that now I was 30 days late with a payment on a card that I didn't know payment was due. About that time I called XXXX customer service to try and resolve this issue and get some of the late payments taken away - not realizing that I now would have a delinquent account on my credit report. The man I spoke to, was able to remove the last late fee of {$14.00} but did nothing else and did not warn me about the delinquent account. I recently tried to apply for a loan and got denied. I couldn't understand why. After checking my credit report, about 2 weeks ago, my score had dropped more than 100 points and i now had a delinquency on my account. I immediately called XXXX XXXX. The woman I spoke to was amazing. She spoke to a higher up person and they said they would remove the delinquency from my account. I am not sure how long this will take or if they actually will do this, but I feel as though this needs to be handled. I pay everything on time and one mess up, that I really had no control over and did not know about, has now effected my credit score and report dramatically. I want to make sure this is taken care of. I do not have the account number because I don't have access online and the automated system would not give it to me over the phone.
Product: Student loan

I am currently on the SAVE plan with loan servicer Mohela, on track for PSLF. I submitted an application to switch from SAVE to IBR using Studentaid.gov and Mohela as acknowledged that my application is in process. Per XXXX XXXX XXXX guidance, I am to be placed in a 60 day processing forbearance that qualifies for PSLF credit. I was told by Mohela reps that since I am already on the SAVE forbearance related to the court injunction, they can not put me in this processing forbearance. That is in direct violation of the rules set by XXXX. See the rules below. I am requesting to be put in processing forbearance immediately. 

Rules : In the coming weeks, XXXX expects servicers to begin processing certain XXXX applications that were paused following court orders affecting the terms and availability of IDR plans. 

Specifically, XXXX will begin processing borrowers applications to enroll in IBR, ICR and PAYE ( received before XX/XX/year> ), and ICR ( received from parent borrowers at any time ).

Servicers will also process applications for recalculations for IBR, ICR, and PAYE. Servicers will have applications in the queue that will take some time to work through. 

Processing for all other applications, including applications for SAVE ( formerly known as REPAYE ) and applications where borrowers selected lowest monthly payment, will remain paused. Borrowers should check back here for updates.

If servicers need time to process a borrowers IDR application, servicers will move the borrower into a processing forbearance for up to 60 days. Interest accrues during this short-term processing forbearance, and time in the processing forbearance is eligible for PSLF and IDR forgiveness. If the borrowers application is not processed by their servicer within 60 days, the borrower will be moved into a general forbearance that does not count toward PSLF or IDR until their application is processed. Interest will not accrue in this general forbearance.
Product: Debt collection

I have received three phone calls now from representatives from XXXX XXXX XXXXXXXX. The calls all start the same where the claim to be calling on behalf of a medical provider I have never heard of. When I ask them for details they provide none. They then tell me the balance is something like {$1500.00}. I tell them there is no way I owe a random medical provider I have never seen {$1500.00}. They then tell me that is actually a different amount. Then they back pedal and try to talk in circles to confuse me and start bringing up other medical providers that have nothing to do with the medical provider they initially said they were calling on behalf of. I explain that this seems wrong and unethical and request a call back from management as I feel as though they are misrepresenting themselves intentionally. Im told management will call me back, they never do. I've asked them to provide documentation showing who the provider is, the alleged date of service, a detailed list of services and charges, and proof that they are authorized to collect on behalf of the provider and that they are licensed to do so. I am assured this will be sent, it's never been sent. Its been months of this. 

On the most recent call, last week, we went through all of the above but the agent on the phone proceeded to provide some details, but the details also made no sense. She brought up a doctor I havent seen since XXXX, and who has been retired since XXXX, saying the date of service was XXXX XXXX XXXXXXXX. She then brought up other dates that I wasn't even in the country for. Brought up insurance I didnt have. And then tried to collect {$1500.00} for a provider that I have never seen or heard of in my life, and then when pressed on the total changed the narrative that she was actually calling for someone else. 

XXXX XXXX XXXXXXXX is intentionally misrepresenting themselves in an effort to trick and deceive consumers.
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 : XXXXDEPT OF ED Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account NumberXXXX and 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: Money transfer, virtual currency, or money service

On XXXX XXXX, 2021 I was scammed into taking {$13000.00} in cash out of my XXXX  checking account ( money which I didn't realize was actually mine because a fraudster had added it to my computer screen, on top of the money that was already in the account ) and, at the direction of the scammer, advised to take it to a Wells Fargo branch and deposit it in the following account, which the scammer intimated was an XXXX account : XXXX XXXX XXXX Acct. # : XXXX Transaction # : XXXX I took it to the Wells Fargo branch in XXXX, NJ, and deposited the cash in the account, which the teller recognized and acknowledged as a business checking account. 
Clearly, the account was fraudulent, or the owner had no idea perhaps that money was being laundered through his or her account. 
The XXXX XXXX police informed me that they had frozen the account ( whatever that means ) on XXXX XXXX. Since then, my phone calls to Detective XXXX XXXX have gone unanswered. 
I'm trying to recover the money. 
To my astonishment, the account still appears to be open! This I learned through the first level of the fraud department at Wells Fargo who was observing it on his computer screen. He was not at liberty to tell me what name was on the account or how much money was in there. 
So I submitted a complaint to Wells Fargo, and the response I got was : " We understand you believe you initiated a deposit because of a fraud scheme ; however, your request to reclaim the cash you deposited into your account ( my account? It was an account I had no knowledge of, nor had I ever heard of XXXX XXXX XXXX ) is an example of an adverse claim against a deposit. This means that after funds are in a depositor 's bank account ( hey, it was NOT my bank account -- duhhhhhh! ), a third party does not have the right to receive the cash back simply by making a demand for the funds. We regret we are not in a position to be more helpful at this time. '' The account was and clearly is a fraudulent account. ( It occurred to me that Wells Fargo was at the heart of a massive fraud scandal that made the headlines several years back. ) If the account is still viable, as I believe it is, then surely Wells Fargo must be aware that either 1 ) it's fraudulent and possibly a money laundering account, or 2 ) not fraudulent, but being USED by someone as a money laundering account without the account owner 's knowledge. 
In any case, I had lodged a complaint against XXXX ( from whom I had withdrawn the money ) earlier, but I was foolishly pointing in the wrong direction. XXXX 's attitude was, well you took the money out and benefited from it ( I didn't benefit from it, I lost it ), so too bad for you. 
Anyway, perhaps you can investigate this. It has a very bad smell to it. 
The account was clearly fraudulent on XXXX XXXX, and if it has been open all the while, that would suggest the likelihood that it's fraudulent now. 
Perhaps you can look into this for me. 
Thanks in advance for your time and consideration. 

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

XXXX XXXX client XXXX XXXX  is an identity theft victim. His information was used to apply for a Kohl's/Capital One XX/XX/XXXX and another application was submitted to XXXX XX/XX/XXXX. Official disputes were sent to each XX/XX/XXXX and as of this date no reply to the results of the investigation have been received. This is a violation of FCRA.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Transunion consistently responds within XXXX hours stating that my account is accurate, without providing any evidence of a thorough investigation. The practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion actions may contravene the Customer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( B ), as highlighted in the CFBAs recent administrative proceedings ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB takes action to ensure that Transunion complies with federal law and provides customers with the necessary proof of investigation. These accounts are XXXX XXXX and XXXX XXXX