23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I financed a XXXX XXXXXXXX from Foursight Capital, I made my payments on time every month between XX/XX/XXXX to XX/XX/XXXX. I trade in the XXXX for an XXXX XXXX XXXX, at XXXX XXXX XXXX XXXX, now my XXXX is being financed with XXXX XXXX. I've been making my payments for my new car the XXXX from XX/XX/XXXX- to currently. I'm checking my credit and the XXXX is still reporting on my credit, and I have 4 months of late payments due to this. The XXXX with Foursight Capital should be closed and with no late payments since I made my payments before I trade in my XXXX I need this updated because it's been hurting my credit drastically, and also I have a family, and this hurting our chances of purchasing a home. This is bringing my family a lot of stress, I tried contacting the dealership, and the bank ( Foursight Capital ) for months now, and no changes have been made. I attached paperwork confirming the trade-in, and payoff for the XXXX for Foursight Capital
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to state that Equifax is in violation of 15 - USC - 1681 b ( A ) 2 which states a consumer reporting agency may furnish a consumer report in accordance with the written instruction of the consumer. 
I the consumer never gave Equifax any written consent to report anything on my consumer report. i demand that they remove these inaccuracies off my consumer report they are hurting my consumer report keeping me from extending my credit. If they are not removed i will not extend my credit to anyone or allow Equifax to furnish a report for me. Persuit to 15 - USC - 1681 ( A ) 1 states that the banking system is dependent upon fair and accurate consummer reporting
Product: Debt collection

The date of medical service was XX/XX/XXXX when I was still in the military not only was XXXX XXXX going to cover the XXXX but the place XXXX XXXX didnt get their billing provider XXXX that matches their TAX ID, sounds shady or like a big clerical error to me. Anyways I got out of the military XX/XX/XXXX and got multiple letters to which I called the number back and told them the issue but they didnt go correct it or look into it. Not a brain cell of theirs intuitively thought hey lets get our tax ID right and get our {$430.00} No instead they want to slander a Veterans name and credit by sending this to collections. I called XXXX XX/XX/XXXX of XXXX to go over the issue and have proof of the amount to be covered. So the fact that both sides let this fall and Im the one to suffer really makes my blood boil.
Product: Debt collection

I am just now finding out about an additional account that was opened fraudulently using my information again. This is the fourth one since last month. XXXX XXXX XXXX has made no attempts to contact me to let me know about this debt or give me the opportunity to dispute it. If they had done what they are required to do by law, I would have immediately told them the debt was fraudulent and a result of identity theft and provided them an updated police report. I have both an FTC and police identity theft report filed detailing my identity theft. I just updated the FTC report today to include this new debt that I am just now discovering through this debt collector, the police report will take longer to get an updated copy. I am a victim of several data breaches including but not limited to ; XXXX ( XXXX ), XXXX ( XXXX ), XXXX ( XXXX ), and XXXX  XXXX XXXX ( XXXX ). All have left me battling identity theft and ransoming things popping up on my credit for YEARS. There is, again, an active fraud alert on my credit accounts.
Product: Mortgage

My mail was being intercepted. The XXXX employee came to my door with these XXXX mortgages from Chase and told me that my mail was being intercepted. I would like to know how its even possible to apply for a mortgage when you have fraud and freezes on your credit report.
Product: Credit reporting or other personal consumer reports

Heres the updated statement incorporating the Fair Credit Reporting Act ( FCRA ) : " I recently reviewed my credit report and noticed several variations of my name, incorrect addresses where I have never lived, and outdated phone numbers. I am particularly concerned because I have identified fraudulent activities associated with certain accounts on my credit report. Additionally, my information was exposed in the XXXX data breach. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate information on my credit report, and I intend to exercise that right. ''
Product: Credit reporting or other personal consumer reports

Transuion is not removing in accurate info after several attempted disputes
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was the victim of identity theft and this is my third request to remove the information in my credit file resulting from the identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Bureaus are required to remove any items not later than 4 business days after XX/XX/XXXX. Ive already included this report in a previous letter & I am including it again. Also, the information that other Credit Bureaus provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts in their accuracy. This letter is to notify the Credit Bureaus that if they do not REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold the Credit Bureaus accountable for their willful noncompliance. 


XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$5700.00} XXXX XXXX XXXX Balance Owed ; {$4300.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$500.00} XXXX XXXX XXXX  XXXX Balance Owed : {$2700.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$29.00} XXXX XXXX Balance Owed : {$850.00} XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX MO XXXX XXXX XXXX XXXX XXXX, MO XXXX
Product: Mortgage

I am representing my client who has a mortgage with PHH Mortgage Services. In XX/XX/2019 her loan transferred servicing from XXXX to PHH Mortgage Services. As of today, XX/XX/2019, she has never received a mortgage statement from PHH Mortgage Services. She has also been denied access to her account on line at XXXX. She and I have continuously called XXXX, to spend an average of 1 hour on hold each time, and we are only able to speak with the collection department. When we request to speak with someone in Customer Service, we are conveniently hung up on. 

Our largest concern is on XX/XX/2019, XXXX mailed the borrower a letter stating that " at this time, you have a suspense balance in the amount of {$580.00}. The total amount due is {$1700.00} ; therefore, an additional {$1100.00} is required to complete your payment. '' On XX/XX/2019 the borrower paid {$900.00} towards the arrears. Now XXXX Mortgage is stating that the suspense account only has a balance of {$900.00}, where as the balance should be {$1400.00}, with a balance due for XXXX in the amount of {$580.00}. PHH 's collection dept. states that she needs to pay {$880.00}. The true balance due for XXXX, and to bring the account current is {$240.00}, not the {$880.00} as they state. 

The borrower needs to make her scheduled XX/XX/2019 payment to XXXX but she can't until she gets answers. The borrower and I have yet to be able to get assistance on the phone.
Product: Debt collection

Portfolio recovery has two of my accounts in collection. Ive told them repeatedly that I am on workers compensation and dont have the money to make payments. But they call 4-5 times a day. And even after XXXX XXXX! Ive gotten to the point where I dont want to answer anymore. When I told them in XXXX of XXXX  that I was in able to pay the told me to borrow the money from a family member or to sell my car!! Not to mention the two debts are more than five years old! But they dropped off the credit report 2 years ago and then all of a sudden they popped back up again as renewed with a newer start date. So it will never drop off
Product: Checking or savings account

My checking account was suspended and they asked for id verification I did that but they needed more documents including my ssn. 
I sent all of it and the reply window was 24 hours but its been more than a week and I cant log into my account or move my money from the account and i tried to contact them multiple times but still no progress
Product: Credit reporting, credit repair services, or other personal consumer reports

Two of the credit reporting agencies are reporting the date they updated certain accounts on my credit report is this month. The information is still inaccurate. The bureaus have exceeded their statutory time to correct the issues and even attempted to mislead me. This is prolonging my ability to obtain a home loan, causing considerably higher interest rates on all financial products, and is detrimental to my family 's safety and security. 
In Cortez v. Trans Union, LLC, 617 F.3d 688 ( 3d Cir. 2010 ), inconsistencies between two different reports concerning a single consumer are sufficient for a plaintiff to withstand a motion for summary judgment on a claim under 1681e ( b ). 
I pulled the attached report XX/XX/XXXX ( today ). I have highlighted the exact discrepancies as well wrote notes. All accounts show an incredible amount of inaccuracies between your agencies ( XXXX ). As of yet, I have not received and proof of debt nor any proof of accuracy from any agency. The Department of Education, XXXX, New York Higher Education accounts need to be deleted immediately.
Product: Credit reporting

This is a continual problem that we have encountered ; a person with the same name that is a junior but does n't use it. I was told it was the improper use of the name that causes this. I have in my experience seen that XXXX and XXXX is NOT used on normal basis. The credit bureaus do not verify social security numbers and date of birth that are a constant, but instead rely on addresses that could change. I was told that it would take a change in legislation to have them required to use social security numbers for verification. Why not use the birth date? Why are n't these agencies accountable for their actions? The public has to spend the time and energy to clean this up when verification could be made easily before damaging someone 's credit. I think this should be taken to the media and have the credit bureaus investigated and make them accountable. I do not have any supporting documentation only phone calls with Experian. I will now get my reports from XXXX and XXXX XXXX and see if they are the same. I am really getting tired of this, every time we want to get a loan this happens.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX these accounts below have violated my rights. 

Account Name : XXXX XXXX XXXX XXXX Account number XXXX Account Name : XXXX XXXX XXXX Account number XXXX Account Name : XXXX XXXX XXXXXXXX Account number XXXX Account Name : XXXXXXXX XXXX XXXX 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States Have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a Consumer Agency can not furnish a account without my written instructions.

This alleged debt is disputed on the basis it is statute barred under the Limitation Act ( NSW )
Product: Credit reporting or other personal consumer reports

It has been brought to my attention that you are not removing items, even when theyre sent with an FTC report. Since it is a requirement by law 605b of the FCRA. If you choose to not remove the following items listed below which are reporting inaccurately due to inaccurate credit reporting, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove the following items as they are erroneous credit report data & were opened without my consent or knowledge : XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I also added here my new FTC report with reference number XXXX. Per Fair Credit Reporting Act Section 605B ( a ) you are requiring to remove any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Please note that you have 4 business days to remove the reporting of any items in my credit file that resulted from an inaccurate credit reporting. I do not consent to XXXX or any means of automated verification.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Equifax for their failure to remove fraudulent accounts from my credit report as required by law. 
I recently disputed several accounts on my credit report under the claim of identity theft, pursuant to 15 U.S.C. 1681c-2. I submitted a Police Report and an FTC identity theft report ( FTC Report Number : XXXX ) as evidence. The credit bureau acknowledged my dispute but has not complied with the requirements set forth by the Fair Credit Reporting Act ( FCRA ). 
Despite my initial request for the blocking of these fraudulent items, the following accounts remain on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Reported : XX/XX/XXXX 15 U.S.C. 1681i ( 7 ) - Description of XXXX : Pursuant to the FCRA, credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. To date, I have not received this required information. 

15 U.S.C. 609 ( a ) ( 1 ) ( a ) - XXXX XXXX : Per the FCRA, you are required by federal law to verify all accounts and public information through physical verification of the original signed consumer contract and/or judgment ( XXXX ). Without such verification, there is a risk that erroneous or fraudulent information could be included in credit reports. Given the lack of adequate verification, I request the removal of this unauthorized public record information. 

Accuracy Compliance : Additionally, under 15 U.S. Code 1681e ( b ), you are required to follow reasonable procedures to ensure maximum possible accuracy of the information in my credit report. If the information can not be verified, per 15 U.S. Code 1681i ( a ) ( 5 ), I request that you delete any unverifiable information. 

Failure to Investigate Accurately ( 15 U.S. Code 1681i ) : After submitting a dispute regarding inaccuracies on my credit report, I did not receive a thorough investigation within the mandated XXXX timeframe. The results of the investigation did not adequately address my concerns. 

According to 15 U.S.C. 1681c-2, credit reporting agencies are required to block disputed information identified as resulting from identity theft within XXXX business days of receiving a valid identity theft report. Additionally, under 15 U.S.C. 609 ( a ) ( 2 ) and 1681i ( 7 ), any unverifiable or inaccurate information must be removed from my credit report. 
Inadequate Compliance Procedures ( 15 U.S. Code 1681e ( b ) ) : The bureau has not demonstrated that it has implemented reasonable procedures to ensure the accuracy and completeness of the information provided on my report. I am requesting detailed information on the procedures used during the investigation. 

I demand that the CFPB investigate this matter and take appropriate action to ensure that these fraudulent accounts are deleted from my credit report. I expect a prompt resolution to this issue and would appreciate any guidance you can provide regarding my rights in this matter. 
Thank you for your attention to this urgent issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received 2 alerts, one from XXXX  XXXX and one from Bank of America that these establishments pulled my credit. Bank of America did an inquiry on XX/XX/2022, XXXX XXXX did an inquiry on XX/XX/2022. I am not applying for any new credit so I believe someone is trying to open accounts in my name. I got the run around by both banks, transferring my to department after department until the last department said their offices are closed until Monday XX/XX/2022. I will contact the credit bureaus tomorrow, Monday XX/XX/2022 to file a dispute and possibly freeze my credit
Product: Credit card or prepaid card

This is a follow up notification per the conversation I had with a Barclays representative from the Security department on Wednesday, XX/XX/XXXX @ XXXX XXXX CST where we identified that there had been fraudulent transactions in multiple locations and most appear to be outside of the continental United States. I now have conclusive evidence that there were multiple blatant, erratic and appear simultaneous charges all around the country/world in most of XX/XX/XXXX & XX/XX/XXXX. I see that the fraudulent international charges on my credit card have been corrected/credited however there are still two charges that were part of this fraud that were added to my current balance. 

I brought this to the attention again with a Barclays Account security/protection rep on XX/XX/XXXX at approximately XXXX XXXX  CST. These charges are appearing as foreign/international and appear to be in connection to the stolen Identity/Stolen U.S Passport crime that I reported swiftly to the United States Department of State with the DS. XXXX report. Please remove these charges from my balance as soon as possible in accordance with the FCBA since this blatant fraud was reported on XX/XX/XXXX. The evidence of the unusual transactions outside of my spending area is overwhelming. Please ensure that stricter policies are implemented to ensure this never happens. 

The two charges are as follows : 1. XXXX XXXX XXXX {$120.00} 2. XXXX XXXX XXXX XXXX {$330.00}
Product: Debt collection

Back in XXXX Pinnacle Financial Group purchased my auto loan from XXXX XXXX. Ever since then I have had multiple issues with this company. Back in XXXX of XXXX they fraudulently charged my card 2 in the same month. Most recently they are claiming I owe late fees from XXXX and current. I previously had several conversations with different account representatives regarding late fees. They refunded me the late fees in the past because my original contract doesn't have any late fees and they have NEVER given me a response regarding their late fee process. I would like them to remove all previous and current late fees so that I can settle this account once and for all.
Product: Money transfer, virtual currency, or money service

I am writing to share my concerns about how Zelle handles disputes, particularly in light of the recent CFPB lawsuit that exposed major flaws in the platform. Despite using Zelle regularly and reporting issues with certain transactions, neither my bank nor Zelle took the time to properly investigate my claims. I was told that recovering the lost funds wasnt possible and that tracking the transactions couldnt be done. The CFPBs findings reveal that Zelle has failed to safeguard users and has allowed repeat offenders to take advantage of the system, leaving customers vulnerable to scams. This lack of responsibility and transparency is deeply troubling and raises serious questions about consumer protection.
Product: Money transfer, virtual currency, or money service

They reported I received this amount and I owe to the IRS.
Product: Credit card or prepaid card

Charge on XX/XX/2021 ( {$330.00} ) Notified Target Credit card dept. about the unauthorized charges made. 
I did not make those charges. 
Target credit card gave preliminary credit And after sent me a letter in the mail XX/XX/XXXX that the charges are valid.
Product: Credit reporting or other personal consumer reports

violation of XXXX XXXX XXXX - Failure to provide full disclosure. remove from my credit report XXXX CREDIT MANAGEM Account Number : XXXX {$2900.00} Please remove this inaccurate information from my credit report.
Product: Credit card or prepaid card

On XX/XX/2021, I attempted to make a store purchase with my American Express Bluebird prepaid debit card and it was declined. I tried to check my balance with the Bluebird phone app and it wouldn't allow me to do so. Instead, a comment would pop up stating something about the username and password are not correct. ( I'm sending a photo of the statement. ) I then received an email from Bluebird stating that my account has been suspended for a violation of section " 22D '' and they provided a customer service XXXX number if I had any questions. A minute later I received another email was stating that a dispute was denied for purchases that were made from XXXX that I had called Bluebird about because they were fraudulent and were supposed to be investigated. Apparently, charges in the amount of {$510.00} were made on XXXX with a XXXX XXXX that I had I had used before and was canceled due to receiving a new one. When the XXXX card did work, XXXX charged my Bluebird card for the purchase. I explain the matter to Bluebird and they told me that it would be taken care of. After receiving the emails, I called the number that was given for customer service. They stated that the explanation for the suspension is in the email but the email states to call customer service. When I requested the balance in my suspended account they told me that I would have to mail them a letter requested my balance. I have not received any more help and they refuse to take my calls asking for an explanation.
Product: Bank account or service

XXXX XXXX of PNC Bank, Executive Relations Division did not give me a reason why my business account was shut down-closed on XXXX separate occasions, causing numerous checks to be returned and electronic checks to go unpaid. The bank has not shown anything in writing where they compensated me for the fees that they caused because the account was closed. XXXX XXXX has taken it upon herself, after several attempts at explaining the situation, but she choses to be judge, jury and executioner in this matter. 
I have copy of correspondences where I have asked her to get the details rights and act appropriately, but she has not. PNC Bank is not acting in a fair manner, and I have not been given due process. The company along with XXXX XXXX has not acted in a way in which they are trying to assist and help small businesses. I feel the bank is liable for all the inflicted suffering that they have put the company through. I would also like to inform you that the Merchant 's Account was also shut down causing deposits to " not go into the account '', thus causing chaos and monies not being deposited in the business account.