23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I've been attempting to add a XXXX recipient under number XX/XX/XXXX The error message claims a different number needs to used, the number entered is already in use or in contacts, which is incorrect, number is not uses by myself or in contacts. I've called technical support number provided, XXXX XXXX XXXX XXXX several times, first rep by name of XXXX was clueless about issue, second rep tried to claim the XX/XX/XXXX attempting to add is already on XXXX profile which I believe to be bogus, a lie
Product: Money transfer, virtual currency, or money service

On Saturday, XX/XX/XXXX, around XXXX I began a conversation on XXXX with a " XXXX XXXX '' regarding two tickets for an XXXX XXXX concert. He offered the tickets on XXXX by stating he had planned on making it and can no longer. He said he would send me the tickets at soon as I sent him money on Paypal. After asking several questions, I paid {$92.00} to him and {$4.00} at XXXX on XX/XX/XXXX to Paypal to complete the transaction. He asked for a screenshot of the purchase which I sent and told me he will wait until XXXX the next day until he sends me the tickets to make sure the money goes through and at XXXX the next day, he blocked messages from me. I never received any tickets nor messages from him after that.
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

Inaccurate Information : 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
Product: Debt collection

I am disputing a debt that has been reported by Kimball , Tirey & St. John LLP on behalf of a company previously known as XXXX XXXXXXXX XXXX XXXX. This company has since rebranded as XXXX XXXX XXXX, yet the debt is still being reported under the outdated business name. This raises concerns about the accuracy and validity of the reported debt information.

Additionally, I did not authorize Kimball , Tirey & St. John LLP to report this debt to any credit bureaus, as required by 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ). According to this section, consumer information can only be reported with a permissible purpose, including my explicit consent, which was not provided in this case.

Furthermore, under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt, including documentation proving the accuracy of the balance. I requested validation from Kimball , Tirey & St. John LLP but have not received adequate documentation to verify the debt or confirm my obligation.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern ; I've been dealing with this issue for some time now, and nothing has been done with these fraudulent activities going on with my credit. I still cant understand how did this happen to me. this is my second time competing these steps. 
can you please remove these accounts off my credit. this is very stressful please help me resolve this matter Thank you.
Product: Mortgage

Freedom Mortgage has continued to lose my payments since XXXX or say that they did not receive them. I pay every two weeks and never been behind nor late. I have done everything that I suppose to do as of making my payments on time. I'm always getting lied too or told different stories. I have asked for my new payments for the month of XX/XX/XXXX and they are still refusing to give it to me. Stating that my escrow plays apart in this. And, I was never told that before. My mortgage went up because my insurance went up so since I changed insurance companies Freedom Mortgage still has not yet told me my new monthly payments. First, it was XX/XX/XXXX payment that was missing. Second, it is XXXX and XXXX 's payment missing. Third, there's a shortage in my escrow account. Nobody has been truthful at all. By, law I have the right to know what's my XXXX 's payment is. And, they already received my new insurance policy. And, they are refusing to give it to me because there waiting on a check from my old insurance company. Which, don't have nothing to do with me. I cancelled it and that's all I can do. There's no reason why I don't know what my new monthly payment is. And, one of there agency said that I received the check and I have not received nothing at all period. The sad part is that they have the money and acting as if they did not received it. Here 's a complete breakdown. XX/XX/XXXX 1st partial for XX/XX/XXXX. XX/XX/XXXX final payment for XX/XX/XXXX. XX/XX/XXXX XXXX partial payment for XXXX  XXXX. XX/XX/XXXX final payment for XX/XX/XXXX. XX/XX/XXXX 1st partial payment for XX/XX/XXXX. XXXX  XXXX, XXXX final payment for XX/XX/XXXX. XX/XX/XXXX 1st partial payment for XX/XX/XXXX. XX/XX/XXXX was my final payment for XX/XX/XXXX. And, XX/XX/XXXX will be my 1st partial payment for XX/XX/XXXX. I did a breakdown sent in bank statement and they still refusing to give me my XXXX 's payment..
Product: Money transfer, virtual currency, or money service

I was trying to add an app to my TV the code didn't work so it gave me a phone number to call I called the number the guy had me search on my phone and app which gave him a location number that he took from me so he could access my phone he then told me to open the Capital One app so he can verify my address he then told me to go to the funds Transfer app on the bank called XXXX and put in {$980.00} I asked him why that amount he said he had to send it to the supervisor so he can get me a code back in that my account would not be charged so I did it and then he told me to do it again I did it again for a total of XXXX XXXX I immediately realized what I did and I called Capital One and filed two claims They denied both my claims explaining to me that they couldn't find any error
Product: Credit reporting

I tried accessing my experian credit report online to view it to see if the incorrect information reporting has been corrected. Report # XXXX. I received a message they were unable to honor my request to view my report. There is suppose to be unlimited online access to view your report but experian will not allow me to. I am submitting this complaint because I want to see what is reporting on my credit file. I am trying to obtain a mortgage and with all these errors on my report is affecting my score in a negative way.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX ( 0 minutes ago ) to me 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 XXXX XXXXXXXX : XXXX XXXX : XXXXXXXX XXXX : XXXX XXXX  XXXX : XXXX XXXX XXXX XXXX : XXXX Has violated my rights. 
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: Debt collection

In XX/XX/2018 I received a notice from XXXX that XXXX XXXX XXXX had flagged my account as Collections. The information provided stated this was an Attorney/Collection Dept. provided an address & an amount of {$230.00}. I have never been contacted by this company, never have they tried to collect a debt from me. I have no idea who they are or why they think I owe them money. Not only do I not recall this company, but I have not incurred any debt with anyone for the amount they are reporting to the credit bureaus. 
I have contacted this company using the information provided to me by XXXX and XXXX, months went back, and I never received any validation, or anything for that matter. I then filed a dispute with all three credit bureaus, it has since been removed from XXXX & XXXX. XXXX claims they validated the debt, but I can not get anything. 
This company has violated my rights under the FDCPA, not only was I never notified of their attempt to collect this debt, I also didnt get the opportunity to dispute it before it was reported to my credit report. I have been battling this for several months now, seeking validation, and none has ever ome. According to Section 809Validation of Debts of the FDCPA, Debt Collectors must stop collecting/reporting until validation has occurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

[ 15 U.S.C. 1681 ] ( 1 ) The banking system depends on fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence which is essential to the continued functioning of the banking system on these days my credit was fraudulently used. 
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
Product: Credit reporting or other personal consumer reports

A complaint regarding inaccuracies on my credit report concerning a debt that has been charged off by XXXX XXXX, which has not provided me with a Form XXXX ( Cancellation of Debt ) as mandated by IRS regulations XXXX This Company is still reporting this account as income and therefore illegal and needs to be reported to the IRS. Details of the account are as follows : Equifax charged off amount is {$1800.00} and closed as of XX/XX/year>. 

I kindly request your assistance in this matter and ensure that accurate reporting practices are followed. I would appreciate upon your assistance and completion that this account be removed from my credit report, or I will have no choice but to contact the IRS and report FRAUD on this account. Please provide me proof that this account was deleted from my credit report within 30 days of filing this complaint, or this company will leave me no recourse but to proceed to the next course of action.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FOLLOWING ARE ALL UNAUTHORIZED HARD INQUIRIES ON MY XXXX  REPORT. IVE DISPUTED THEM MULTIPLE TIMES BUT XXXX  REFUSES TO REMOVE THEM. XXXX  DOES NOT ALLOW YOU TO DISPUTE HARD INQUIRIES ONLINE, WHEN TRYING TO CALL XXXX, THERE IS NO WAY TO GET THROUGH.

XXXX
XXXX XXXX - non specific
Inquiry date: XX/XX/XXXX
Removal date: XX/XX/XXXXXXXX XXXX XXXX Credit Cards
Inquiry date:XX/XX/XXXX
Removal date: XX/XX/XXXX
XXXX  Personal Loan Companies
Inquiry date:XX/XX/XXXXRemoval date: XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Cards
Inquiry date:XX/XX/XXXXRemoval date: XX/XX/XXXXXX/XX/XXXX - non specific
Inquiry date: XX/XX/XXXX
Removal date: XX/XX/XXXX XXXX XXXX XXXX
Bank Credit Cards
Inquiry date: XX/XX/XXXX
Removal date: XX/XX/XXXXXXXX
All Banks - non specific
Inquiry date: XX/XX/XXXX
Removal date: XX/XX/XXXX
XXXX XXXX XXXX XXXX  Inquiry dateXX/XX/XXXX
Removal date:XX/XX/XXXX
XXXX  All Banks - non specific
Inquiry dateXX/XX/XXXXRemoval date: XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report. All transaction ( s ) that I have not made. It is the result of identity theft.
Product: Checking or savings account

Upon information and belief based upon media reports the Bank of America is illegally and without my knowledge or permission reporting certain of my financial information to government! 

And so if I transfer, say, {$1000.00} from my Social Security check deposited with the Bank of America to another bank, the Bank of America reports this even though there is no additional income involved but just a transfer of my Social Security money! 

If this be so, it is intolerable and illegal and totally and completely un-American! 

I respectful want and demand a written statement that this be not so or that it is so if it is so!
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 XXXX 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 XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

BANK OF AMERICA XXXX XXXX XXXX XXXX, FL XXXX DEAR : BANK OF AMERICA This statement is in reference to the below mentioned accounts in which I, as a consumer, identify this information as a result of an alleged identity theft. The information does not relate to any transaction by myself, and I did not benefit from the transaction. 
Pursuant to 15 USC 1681c-2 ( a ), these accounts must be blocked and deleted from my consumer report no later than 4 business days from the date that your agency receives this statement.

Attached is my appropriate proof of identity, a copy of my identity theft report, and the identification of such information below. 


1. BANK OF AMERICAN Failure to block and delete the above identified accounts will result in your noncompliance of the Fair Credit Report Act in which you be held civilly liable for actual damages, statutory damages, punitive damages, and cost & fees associated with any suit brought against your agency for willful noncompliance. 
Please send an updated copy of my consumer report reflecting the deletions of the above accounts. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

The alleged debt has inaccurate information represented in it. In XXXX of XXXX, I submitted a dispute about the inaccurate information to Experian. They responded that the information was valid, I requested proof of the validity but never received it. 

The alleged debt is reporting as a delinquent account that was opened on XX/XX/XXXX. That is inaccurate. The account was opened with this company on XX/XX/XXXX of XXXX. It says that this is a 1 month account but my policy was for 1 year. It says that the original amount of the account was for {$800.00} but my monthly payment amount was {$320.00} so that number is inaccurate. Almost every piece of information related to this account that the credit bureaus are reporting is inaccurate even though I have submitted contrary information, it has not been updated to reflect any piece of accurate information. 

XXXX is reporting my date of delinquency as XXXX of XXXX Experian reports my date of delinquency as XXXX of XXXX and XXXX does not report a date at all.
Product: Debt collection

these people keep calling using various fake and valid phone numbers, never leave a message, and when i did get someone on the phone they said my number was associated with someone who owed on a debt, NOT ME-I asked them to stop calling my phone, and they got very loud, vulgar and abusive. I have been getting these calls for over a year to the point I do not answer my phone anymore-I did use this number for my self employed business since the early XXXX 's but that is no longer an option. I am angry that this company can get away with this, and ask the government to look into their practices as there are literally thousands of examples of their abuse online in reviews about PRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX I have disputed these fraudulent accounts twice, and I am unsure how you are able to say that these alleged accounts are verified, yet it is clear that there are and continue to be multiple inaccuracies regarding these accounts. As shown in the attached screenshots the date opened, date last active, and date of last payment are all inconsistent. Also, the account numbers and payment history of the accounts are not consistent as well. I am not sure which bureau is reporting the correct information as these alleged accounts are not only inaccurate, but not mine. As a consumer, I am asking you to please provide in FULL DETAIL the steps that were taken to investigate these fraudulent accounts and the information that the creditors have provided to you to prove that these alleged accounts are verified. I have attached a copy of my license and a copy of the 15 USC 1681i from the FCRA for your recollection which shows that I, the consumer, has the right to ask for this information, and your company has 15 days to respond to my request. If you are unable to provide me with the proper documentation I ask that you please delete these accounts as soon as possible. As it is against the law for there to be both fraudulent and inaccurate information on my consumer report. Please also send me an updated credit report reflecting these changes. 

Fraudulent Accounts : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Fraudulent Inquiries : XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XXXX XXXX, XXXX I trust that your company upholds its integrity and protects my rights as a consumer under the FCRA. Thank you
Product: Checking or savings account

One of my checks was stolen out of the mail, altered twice and cashed twice in the same day. Neither bank noticed that the same check from the same account was cashed twice in the same day. Neither bank noticed that the check had been altered ( it is obvious if looking at the low resolution black and white image of the canceled check, for both instances ), and the endorsing name did not even match the altered payee names. This happened in XX/XX/2022. I noticed because I got a late notice from my mortgage lender that I was late in paying them. I sent all the requested documentation ( images of the canceled checks, notarized affadavits ) to PNC on XX/XX/XXXX. I followed up in XXXX, and was told they never received the documentation. I sent again via email on XX/XX/XXXX. PNC verified they had what they needed. PNC says they forwarded to XXXXXXXX XXXX by XX/XX/XXXX. PNC has not, until today returned any of numerous phone calls or email follow ups to find out where this is. Today, they told me XXXX was supposed to contact me directly, but gave me no contact at XXXX to follow up with. I just want my {$2000.00} restored to my account.
Product: Mortgage

My husband passed n I tried everything to save my house well they for closed plus he had a XXXX XXXX life insurance on it I never received. They told me my name wasnt on house my husbands name was XXXX I even tried filing bankruptcys
Product: Checking or savings account

I opened my PNC business checking account on XX/XX/year>. I opened the account with a promotional offer for {$400.00} if you did the following : maintain a {$2000.00} average daily balance and complete 20 debit card usages within the first 3 cycles. I completed the requirements and in XXXX contacted customer service to ask about it, as it never posted. They then told me Id have to wait 10 business days and reach out again to see if any work was done on my case. I have received no further contact regarding my issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has reported invalidate debt on my credit report the debtor has failed to produce validation of the debt. I requested them to investigate they failed to do so. I've sent out debt validation letters I have yet to receive a response
Product: Debt collection

On XX/XX/XXXX, XXXX sent correspondents acknowledging my XXXX dispute attempt tracking ; [ XXXX Mail # XXXX XXXX XXXX XXXX XXXX ]. This document identified themselves as the current creditor and XXXX Bank as original creditor. 

On XX/XX/XXXX, I received corresponded back from a XXXX and XXXX acknowledging my XXXX  letter disputing the alleged debt [ Tracking # XXXX XXXX XXXX XXXX XXXX XXXX ]. In this letter, I informed Cavalry the information provided was not complaint with the written request of my first letter. In this response by third-party my XXXX attempt to validate the alleged debt is acknowledge. However, The response also includes a written statement saying the date of an account was opened on XX/XX/XXXX. The document also identifies Cavalry as the current creditor and XXXX XXXX  as the original creditor. The letter was accompanied with a Bill of Sale for which the date of a MASTER ACCOUNT SALE AGREEMENT was performed. A redaction of the Sale Balance also caught my attention. 

On XX/XX/XXXX, I received another correspondence from XXXX and XXXX, in response to my letter dated XX/XX/XXXX, alleging the same information from the XX/XX/XXXX response as an honest attempt to validate this alleged debt. With this response, a printed excerpt from the files system of the seller of this alleged account was provided. Unfortunately, this document too has information that too is unverified. 

In my final letter dated XX/XX/XXXX, I inform Cavalry has failed to provide any documentation that would validate the alleged debt and that due to there being no lawful obligation for me to pay this alleged debt. I then demanded " that any and all alternative means of collection of the alleged debt cease and desist immediately. This includes, but isn't limited to, any claims made through the Civil Courts ; the resale of the alleged debt ; the reporting of the alleged debt, and so forth. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

All actions were taken to dispute these accounts and inquiries that's listed on my consumer report all letters has been sent out and all creditors has been contacted for some of the accounts listed below. 

XXXX XXXX XXXX {$1200.00} XXXX XXXX {$650.00} XXXX XXXX {$190.00} XXXX XXXX XXXX {$4300.00} XXXX XXXX XXXX  {$220.00} XXXX  XXXX XXXX  {$930.00} XXXX XXXX {$540.00} XXXX XXXX XXXX {$610.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquiries from ALLY FINANCIAL ( XX/XX/2020 ), XXXX/XXXX  ( XX/XX/2020 ), & XXXX XXXX  XXXX ( XX/XX/2020 ) that I do not recognize nor did I authorize.
Product: Checking or savings account

A letter dated XX/XX/2018 was sent to me telling me that all my accounts are being closed on XX/XX/XXXX for a " business decision '', after 7 years of banking with them and having 0 problems! 
I've tried calling them and they told me that corporate will call me back, but never heard back from them. 
They closed my credit card account without any heads up notice, didn't even send a card advising that it's about to be closed. I just found out about that today when I went to the bank to ask for a reason. 
I've had automatic payments that didn't go through because of this, and it's turning my life upside down in a matter of days. 
I think that the minimum I deserve is a reason as of why my account is being closed and not just " business decision ''. 

Thanks