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

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, EQUIFAX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX Balance - ; XXXX XXXXXXXX Balance - ; XXXX XXXX XXXX  XXXX Balance : - ; XXXX XXXX XXXX Balance XXXX ; XXXX/XXXX  XXXX Balance {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; Bankruptcy XXXX  XXXX Filed on XX/XX/XXXX Reference number : XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I was XXXX and XXXX in XXXX XXXX, XXXX ( see attached official XXXX XXXX Municipal Police Report, officially accepted XXXX Attorney General Police Report and Official XXXX Analysis showing XXXX  found in my XXXX ), and my phone and computer were stolen. In association with this crime, my phone and/or computer were used by those who stole them from me to access my Paypal account . In total, USD {$4100.00} were transferred out of my Paypal account to accounts that I do not recognize.

Paypal has not resolved this, and I seek acknowledgement that these transactions were not authorized and a complete return of all stolen funds to my account. 

The following is the detail of each transaction : Date Amount Transaction ID Case ID XX/XX/XXXX {$980.00} XXXX XXXX XX/XX/XXXX {$1500.00} XXXX XXXX XX/XX/XXXX {$1700.00} XXXX XXXX I have submitted to Paypal a federal police report supporting my claim that all and any transactions using my Paypal account completed between Feruary XXXX, XXXX and XX/XX/XXXX were fraudulent and unauthorized. ALL TRANSACTIONS BETWEEN XX/XX/XXXX and XX/XX/XXXX WERE UNAUTHORIZED. 
These transactions have the following Paypal CASE IDs and reference numbers : : CASE ID : XXXX ( Transaction # XXXX ) CASE ID : XXXX ( Transaction # XXXX ) CASE ID : XXXX ( Transaction # XXXX ) Every XXXX of the above transactions was not authorized and was transacted without my consent. I request that these transactions ALL be reversed and that the money be returned to my associated bank accounts for each transaction immediately. I am submitting the attached police report accepted by the Office of The Attorney General of XXXX in order to support my claim of fraud and unauthorized transactions. Please find attached an officially translated XXXX copy of the Police Report, as well as the original XXXX  version. 
I request that Paypal communicate to my associated banks that, due to the unauthorized transactions listed above between XX/XX/XXXX and XX/XX/XXXX, the associated bank accounts must be reimbursed for the associated amounts per transaction. 


Sincerely, Concerned XXXX
Product: Checking or savings account

On XX/XX/22 I filed a dispute with Wells Fargo Claim # XXXX and claim was denied with the reason stated was these were pin transactions but only 2 happen to be pin transactions and the rest are same companies that Wells Fargo paid on another claim. Tried to resubmit claim and i can not because it states that these transactions have already been disputed. 

Example : Claim # XXXX XXXX and XXXX XXXX transactions were credited back to me but on Claim # XXXX same merchants XXXX XXXX XXXX XXXX was deemed a pin transaction and denied. This was not a pin transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not opened any account with XXXX XXXX VERSE and there should not been any account for IC system opened on XXXX with a balance of XXXX. Please delete this from my credit report! This is identity theft IC SYSTEM NEED TO BE PERMANETLY DELETED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX and I am writing this on my own behalf. After reviewing the credit report/file, I noticed inaccurate, false and fraudulent information being reported. 

XXXX, XXXX, and Transunion are all reporting inaccurate information regarding fraudulent accounts. The XXXX and XXXX XXXX account delinquencies are inaccurate across all credit reporting agencies and have discrepancies across their reports. Not only are the delinquencies reporting different values but they are also reporting on a fraudulent account. 

This information is to be removed completely from the credit report. The derogatory marks and the whole account as it is causing me harm and is tarnishing my reputation.
Product: Debt collection

NEW COMPLAINT NOT A DUPLICATE : LVNV Funding continueS to make a mockery of CFPB and its processes. Please see attached communication that I continue to receive even after CFPB has contacted all parties. So either they 're not really moved by CFPB 's involvement or perhaps CFPB may need to really get involved in these illegal activities.
Product: Credit reporting, credit repair services, or other personal consumer reports

Businesses that provide consumer information to credit reporting agencies have obligations under the Fair Credit Reporting Act ( FCRA ) to ensure compliance with certain procedures and protect consumer privacy. Accuracy of Information is required by law. Businesses must ensure the accuracy of the consumer information they provide to credit reporting agencies. They should have reasonable procedures in place to verify the accuracy and completeness of the data they furnish. If a consumer disputes the accuracy of the information, businesses are obligated to conduct a reasonable investigation. They must review all relevant information provided by the consumer and correct or delete any inaccurate or incomplete information. The fact remains that the name reported by both the XXXX XXXX XXXX XXXX XXXX XXXX as well as Experian is not my legal name. The nature of the information concerning the account is also inaccurate. I have made numerous disputes with Experian to remove the inaccurately reported information but with no success. My next step is litigation and this complaint is simply an opportunity to demonstrate before a XXXX XXXX judge or administrator that a final attempt is given to the offending organizations to comply with the law that oversees their actions. I provide with this complaint my American passport book and card as well as the most recent information reported by Experian on my credit report. The legal first name is XXXX. THERE IS NO MIDDLE NAME. IF A MIDDLE NAME IS RECORDED IT IS XXXX AS SEEN ON THE BIRTH CERTIFICATE BOND. There is no legal basis for the information being reported by Experian and/or the XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I'd like to take this time to thank the men and women at CFPB for their efforts toward protecting the public.
Product: Debt collection

I was called by XXXX saying I owe XXXX for a debt that is 7 yes old. The debt was only XXXX. Want me to pay XXXX. To settle. Forster and garbus
Product: Debt collection

I have contacted TOTAL VISA/XXXX and asked for verification of debt documents specifically the signed contract agreement showing my signature to verify this debt. I have not received any documents about this matter in more than 30 days.
Product: Debt collection

I don't know who this company is, and i don't owe a debt to them for the amount of {$360.00} for the date of XX/XX/2017.
Product: Mortgage

TILA, RESPA and XXXX XXXX XXXX to Harris Bank to verify receipt of my payment. 

Dear Harris Bank, My name is XXXX XXXX, I am a buyer of property located XXXX XXXX XXXX XXXX XXXX XXXX, XXXX IL XXXX where Harris Bank was a Lender for XXXX XXXX, the Seller of this property. 

On XX/XX/XXXX I obtained a Mortgage loan from XXXX XXXX XXXX XXXX for {$170000.00} to pay XXXX XXXX and her lender, Harris Bank for this property where Harris Bank loaned XXXX XXXX {$100000.00} on XX/XX/XXXX. 

As I recently discovered, Harris Bank apparently did not received {$100000.00} or any other reasonable amount from my XXXX payment. 

According to XX/XX/XXXX Harris Bank Release Harris Bank claimed only {$1.00} received as consideration which is of course not sufficient payment for {$100000.00} loan Can you please explain why Harris Bank received only {$1.00} as my payment for XXXX XXXX loan. 

Please provide me a copy of wire transfer receipt which show the amount of money received from me or on my behalf by Harris Bank ; and identify who is the sender of this wire transfer. 

Please disclose if Harris Bank comply with XXXX in its accounting practices. These records must be kept permanently on Harris Bank books and records and be readily available upon request. 

I am not asking for any accounting records for XXXX XXXX, only for proof of my payment or payment on my behalf from the loan I received from XXXX XXXX and Loan on XX/XX/XXXX since it appears to be missing. 

Regards XXXX XXXX
Product: Debt collection

I want this company to stop harassing me and sending me letter. I also want this company to be report to the XXXX and the Florida Law for not respecting the DO NOT CALL list who is punishing of fine. Make sure this company stop sending me any more letter or calling me for this invoice. I never received any invoice just harassment phone calls.
Product: Credit reporting

i have nothing to do with XXXX and i never worked at XXXX
Product: Credit reporting

Spoke to a Equifax CSR on XX/XX/XXXX was told that a paid state tax lien and a paid judgement were eligible to be deleted and that it would take 48-72 hours for my report to be updated. This was not a dispute just a call to see when they might be removed. A week later they are still on my report. I called today XX/XX/XXXX and they claimed that they did n't have record of the call. I asked to speak to the supervisors boss. I waited about an hour for her to come on line explained to her what happened and asked her to review the taped conversation. She said they will be will not give me any feed back. I asked for a call back and I was told that I would not receive one. I attempted to email senior executive and email was returned. I would like information removed, I was told it would be removed, there are no laws that state it must stay on my report Thank you!!
Product: Credit reporting or other personal consumer reports

CFPB, im reporting this company this company to you because this company shares consumers personal information/ credit report. This business reports information TRANSUNION LLC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, United States XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2021 I discover that PNC has literally suspended all access to my present account in retaliation no just cause, simply due, for my lodging past complaints about my online account access being denied. 

To date I have no access to my account at all, I cant make deposit, no access to balances, initially since opening account in XX/XX/2021 I havent had no online access at all. 

The resolution I seek for PNC mistreatment, is all access to my account be immediately restored
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 XXXXXXXX : Account Number : XXXX Account Name : XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number XXXX XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX  Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : 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

My Score on Equifax was not showing on my credit report please kindly update my info and my score Here 's my Info : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX Account # XXXX & XXXX XXXX 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: Credit reporting or other personal consumer reports

I am writing to address the lack of response to my previous notice, dated XX/XX/year>, regarding the request for a copy of the 1099-C filed for the charged-off debt. XXXX XXXX XXXXXXXX failure to provide a response leaves me no choice but to assume that has neglected to comply with FEDERAL law by not filing a 1099-C as mandated. Consequently, I am compelled to inform you that I will report XXXX XXXX XXXXXXXX to the IRS for potential tax fraud using Form 3949-A if prompt action is not taken. 

Furthermore, it is imperative that you notify XXXX, TransUnion, and XXXX to delete this information from my credit report immediately. The account in question is detailed as follows : XXXXXXXX XXXX XXXX XXXXXXXX Please remove this inaccurate information from my credit report. 

XXXXXXXX XXXX XXXX XXXX Please remove this inaccurate information from my credit report. 


As per IRS regulations, a canceled debt of {$600.00} or more necessitates the filing of a 1099-C form by federal or government agencies, or applicable financial entities. Failure to comply with this requirement constitutes tax fraud, a serious offense that I will not hesitate to report to the IRS. 

It is essential to understand that a canceled debt is considered ordinary income by the IRS. Consequently, any failure to file a 1099-C form, or any attempt to conceal such actions, constitutes inaccurate reporting. Income is not to be included on a credit report, and any such inclusion violates consumer laws and regulations. 

XXXX XXXX XXXXXXXX XXXX are in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681s-2, which outlines the responsibilities of furnishers of information to consumer reporting agencies. Under this statute, it is prohibited to furnish inaccurate information knowingly or with reasonable cause to believe it is inaccurate. 

It is evident from my previous communication and this notice that there is reasonable cause to believe the information provided is inaccurate. Therefore, it is imperative that you take immediate steps to rectify this situation by deleting the inaccurate information from all consumer reporting agencies. 

Failure to comply will result in legal action being pursued, including holding the XXXX XXXX XXXX XXXXXXXX, accountable for willful noncompliance under 15 USC 1681n ( a ) ( 1 ) ( A ). This statute stipulates that any person who willfully fails to comply with FCRA requirements may be liable for damages sustained by the consumer. 

I am currently in the process of securing housing, and the inaccurate information on my credit report is hindering my progress. I urge you to act swiftly and cease reporting this item to avoid further complications.
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 All inquiries listed below needs to be deleted immediately I did not authorize these inquiries XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has put a XXXX XXXX XXXX on my credit report that is not mines, back in XX/XX/XXXX I had lost my social security card and identification card and a few other things out of my wallet, Well back in XX/XX/XXXXI found out that someone had put a car in my name, not only did they put a car in my name put got into an accident along the highway back in XX/XX/XXXX, I found out when I got arrested for driving while suspended, on my BMV it says i drove a car without insurance which is associated with the XXXX, I had reached out to XXXX XXXX several times, I have disputed the information, I have called and spoke to many representatives, the last rep she claimed to be a manager her name was XXXX, she told me she would look into it and keep in touch with me, I sent over all the proper documentation she asked for, I explained to her the situation, meanwhile their doing this investigation I am being punished by the Indiana Department of Transportation, in the amount of XXXX ( starting off ) current balance XXXX , I dont know what else to do at this point. Its gotten my license suspended so i cant even get MY drivers license, then they want a police report, but i was not at the scene nor did i know until almost 2 years later so there was no police report filed just security freezes on all 3rd party consumers and credit bureaus. I want to get this resolved immediately, I truly do not want to file bankruptcy, I want them to remove this from my credit report because it is not mines and it is causing me nothing but XXXX.The car was fraudently opened, I have even contacted the dealership and they all redirect me to XXXX XXXX
Product: Checking or savings account

On XXXX I couldn't access my account @ XXXX central time I contacted chime support over the phone during that phone call I expressed to XXXX the importance of gaining access in return she asked me a series of verification questions and once passed she sent me a link to prove it was me I uploaded the document along with handwritten note she requested once she looked it over she said it couldn't be accepted without the picture of I.d I explained it's a passport an if she wanted the back of passport or page of my picture they were both blank either way she didn't know what to do an was submitting for review I should get a response 24-48hrs an ended call. At XXXX on the XXXX I called an spoke with a gentlemen who said an did the same as XXXX after he received my documents he submitted them an had to wait 24-48hrs I asked him why since he received what was asked I was told they don't have the ability to access that area of the system to reset password. @ XXXX XXXX I received another link to upload documents and at XXXX on XXXX XXXX XXXX sent a email with a link to up load documents again. At XXXXXXXX XXXX I finally received password reset link I followed the instructions after resetting password I attempt to log in system gives wrong password after informing support I receive another document upload link and at XXXX I receive another up load link asking for the same documents as all the rest at XXXX I receive another upload link an again XXXX which by this time I'm beyond upset I was forced on to the street since I couldn't pay my hotel bill had no money for food or drink. I was contacted by XXXX who at first gave me hope since her email wasn't a scripted automated link reply she said all she needed was proof of address so I provide that her following email was the same as the rest. By this time it's after XXXX I had to try an find shelter an a safe place to sleep
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance : {$19000.00} ; XXXX XXXXXXXX XXXX Balance : {$2200.00}.
Product: Credit reporting or other personal consumer reports

FOLLOW UP. I FILED A COMPLAINT 30 DAYS AGO STILL NO RESULT. THIS IS UNDER FEDERAL LAW, 
YOU HAVE 30 DAYS TO COMPLETE YOUR INVESTIGATION. THESE NEGATIVE ITEMS ARE HIGHLY DAMAGING MY CREDIT REPORT AND CREDITWORTHINESS. 


On XXXX, 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 XXXX); 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. XXXX XXXX XXXX), 
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: Mortgage

I refinanced 2 investment property loans at the same time with Cake Mortgage, aka Millennial Home Lending, Inc. For one loan, the initial Loan Estimate had the appraisal fee at {$490.00}. The initial Loan Estimate for the other loan was at {$550.00}. The appraisal fee on each closing disclosure increased to {$1200.00} without a valid change of circumstance provided to me. The company needs to refund me the difference on both loans. 

I called various people at company prior to closing, so that this could be straightened out. Instead of providing an explanation and resolving the issue, all people I spoke with said nothing could be done.