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

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The XXXX XXXX claimed for {$310.00} current balance in my name but I never had a XXXX XXXX credit card and never used it.
Product: Consumer Loan

FIRST FED CREDIT CONTROL XXXX, OH XXXX XXXX IS SHOWING UP ON MY CREDIT REPORT AS A COLLECTION ACCOUNT AND ME OWING {$29.00}. THIS ACCOUNT WAS PLACED IN BANKRUPTCY XXXX Case Number XXXX.
Product: Debt collection

Debt collector agent from Element Global Services continually calls me looking for someone I do not know. I have had this phone number for 30 years. They tell me they 'll remove my phone number but in a few weeks I get another call. The police department tells me he lives in the same town and they know who he is. This time the agent asked if I was his mother.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/22 to Experian, XXXX, and XXXX to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) they are required to remove any item or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX Bankruptcy XXXX XXXX Reference XXXX : XXXX ; XXXX XXXXXXXX XXXX XXXX  XXXX Bankruptcy XXXX XXXX Reference # : XXXX
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just discovered a billing problem when I checked my credit record. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. These are unquestionably billing concerns, and I demand to see specific bank account documentation showing that I failed to pay and was subsequently labeled past due. Below are the lists of the disputed accounts. 
XXXX XXXX XXXX Balance Owed : {$170.00} ; XXXX XXXX Balance Owed : {$500.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$200.00} ; XXXX XXXX Balance Owed : {$8.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX and XXXX XXXX is showing auto loans on my credit report that was never mine and I have never signed a contract for these. I would like them deleted. 

XXXX XXXX XXXX XXXX is from XXXX 

XXXX XXXX is from XXXX 

Both of these accounts are showing payments as well as on-time and late payments.
Product: Mortgage

I am current on my mortgage. I have never made a single late payment. I had made a large lump sum payment towards my escrow account to lower my monthly payment of {$4000.00} in XX/XX/2023. I requested an escrow anaylsis to be done to lower my monthly escrow payment. The Escrow analysis was done incorrectly showing a false low balance in my escrow account causing my payment to XXXX after the escrow analysis. I can support all documentation. I am being preyed upon by this lender PHH Mortgage owned by Ocwen. I need immediate assistance with the CFPB because they are going to overcharge me for XX/XX/2023 and due to my income, I can not afford to make this payment and I am going to face certain foreclosure because of the XXXX  error this company has done to me and my family. This is my homestead property that I live in with my wife and small baby. I am current on my mortgage with not XXXX XXXX past due. PHH MORTGAGE refuses to correct the situation and will cause me to be past due on my payment and cause me to lose my only home that I have worked all my life for. 

Please see attached documents and help me with this mailicious company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit report today and noticed that this company had added and erroneous debt to my credit report in the amount of {$320.00}. I did not do business with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX BANK XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XXXXXX/XX/2022
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the inquiries listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

in XX/XX/XXXX i started a contract for credit auto financing with the company " XXXX XXXX XXXX " located at XXXX XXXX XXXX # XXXX XXXX, fl XXXX the purchase price was around {$22000.00} i had a downpayment of around {$4000.00} to be accepted for the loan which is illegal and violates the United states code { 15 u.s. code 1662 }. there was an accident with my vehicle on XX/XX/XXXX by XX/XX/XXXX a check was written for {$10000.00} payable to XXXX XXXX XXXX A gap payment was paid for the remaining balance. now this company is reporting on my credit profile that i owe them a balance of {$2400.00} and has it reported as a charge off .. charge offs are reported as income and income can not be reported on my credit report, which violates { 15 u.s. code 1681 } i requested a 1099 c form and was denied in writing via email.i requested this account be corrected and or deleted to no avail. this company is willfully violating several consumer codes 16 CFR 433.2 12 CFR 1026.23 15 USC 1662 15 USC 1681 i am seeking all remedies which fall under laws and codes thank you God bless
Product: Credit reporting or other personal consumer reports

IVE DISPUTE THE ACCOUNT # XXXX XXXX, AUTO LOAN. THAT WAS OPEN IN XXXX 2017. THE CAR WAS REPO BECAUSE THEY FAIL TO FIX THE OIL LEAK. SINCE THE CAR HAS BEEN REPO, THE CAR DEALERSHIP HAS SOLD THE CAR AGAIN, TWICE. IM REQUESTING THAT IT BE REMOVED, THE CREDIT BUREAU HAS NOT RESPOND, OR DONE INVESTATION. IM SEEKING REMOVAL OF THIS FROM MY REPORT. IT IS HINDERING ME FROM GETTING A CAR. ALSO IM REQUESTING MY DOWN PAYMENT BACK IN THE AMOUNT OF {$2000.00}.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I am unable to close my account. When i called they transferred me to fraud prevention who was too busy to take my call.
Product: Credit reporting or other personal consumer reports

Both Transunion and XXXX XXXX are reporting false information on my credit report. According to their records I have a charged off account with XXXX XXXX XXXXXXXX XXXX as of XX/XX/year>. I did not have an account with XXXX XXXX at that time and have not had an account with the company in quite a while. These XXXX companies have failed to provide me with an itemized list of what these charges they are claiming I owe are for nor have they provided me information in relation to how I owe this alleged debt as I have not held an account with that company during that time. I would like to see the final bill in my name with the address I was residing at the time this so called money was owed. Also please provide proof that comenity bank XXXX XXXX has sold this alleged debt to this company.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I initiated a wire transfer of {$34000.00} from my XXXX XXXX account ( ending in XXXX ) to a Mercury Bank account ( Account Number : XXXX, Beneficiary : XXXX XXXX XXXX XXXX XXXX XXXX After completing the transfer, I discovered that the recipient company was involved in fraudulent activities. I immediately contacted XXXX customer support, who advised me to initiate a wire recall, which I promptly did. 

In response to the wire recall, Mercury halted the transfer to the beneficiary and began the process of returning the funds to my XXXX account. However, Mercury required a Hold Harmless Letter ( HHL ) from XXXX as a condition for releasing the funds. When XXXX became aware of this request, they froze my entire account, including my 401 ( k ), and initiated a fraud investigation against me. This investigation lasted over 30 days, during which I was locked out of my XXXX account containing approximately {$350000.00}. 

At the conclusion of the investigation, XXXX informed me that they suspected fraud on my part and decided to permanently close my account. They instructed me to transfer my remaining funds to another financial institution but refused to issue the HHL that Mercury needed to process the return of the {$34000.00}. As a result, the wire recall remains unresolved, with Mercury unwilling to release the funds directly to me, insisting on working through XXXX. 

At this point, I have no account with XXXX, and my money remains tied up with Mercury, which has refused to return the funds in any other way. I want Mercury to figure out a way to return my money back to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN FAILESIGNATUES, D TO DELETE 10 HARD INQUIRIES, THESE WERE PULLED W/O SIGNATURES0.
Product: Credit reporting or other personal consumer reports

MY IDENTITY HAS BEEN COMPROMISED DUE TO DATA BREACH AND I AM SEEKING REMOVAL OF AFFECTED ACCOUNTS FROM MY CREDIT REPORTS. I HAVE ALREADY FILED AN FTC REPORT AND CONTACTED THE CREDIT BUREAUS.
Product: Credit reporting or other personal consumer reports

Im currently in litigation with XXXX XXXX XXXX  and because of this they revoked my online account access and refuse to take/process my monthly payments. When I call to make my payment they ask me to call back in a week because they have to email the legal department for approval. Since they have refused to take my payment on my first call - its approved and processed after the XXXX. They have been reporting late payments since XXXX and some in XXXX. Please help stop these monsters!!! You can see that prior to the false reporting I have mentioned below - I have never had a late payment to XXXX XXXX XXXX!!! Ever XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Shame on this financial Institution for doing this to me.
Product: Checking or savings account

On XX/XX/2022 I signed up for a Chase XXXX  checking account through a promotional email that was sent to me. It stated that if I opened a ChasXXXX XXXX checking account by clicking the button in the email labeled " open an account '', with text below that email saying [ Coupon code applied when you choose " Open an account '' ], that I would receive {$220.00} bonus. The stipulation was that I had to set up direct deposit within 90 days of opening the account. After following the account set up process online, I finally had my account. I set up direct deposit for my employer about a week later. I made some deposits, got my debit card in the mail, the account was up and running. I waited for the account bonus to be added to my account but I never did. On XX/XX/2022 I tried calling Chase customer service but after an hour on hold they did not answer the phone, so I sent them a message describing the issue through their online message portal. I received a message a day later saying that over 21 days had passed since I had opened the account, and that nothing could be done. I then called their customer service line to dispute the issue. I connected with someone who parroted the same message, that 21 days had passed and nothing could be done. I asked to talk to the supervisor, was transferred to a supervisor who again, parroted the same message about the promotional period only being good for 21 days after opening the account. When I politely asked this person how I could have 90 days after opening the account to set up direct deposit and take advantage of the promotion, yet only 21 days after opening the account to resolve any issues with the promotion, I was immediately hung up on. At this point it is clear the Chase has no intention of addressing this issue.
Product: Checking or savings account

On  XX/XX/XXXX  I made a deposit of {$4800.00} in the ATM the receipt said funds would be available in 2 business days. In 2 days it was not available. I went on line and it had a hold until  XX/XX/XXXX . I contacted the bank they said the check was not endorsed so they had to wait for the funds to clear. I contacted the individual who wrote the check. He said that the check cleared his bank on  XX/XX/XXXX . I contacted the bank they said it did n't matter they could change the release to XX/XX/XXXX . My business is suffering because I ca n't order the parts  to build   the    XXXX   that were bought with that check. The release date is after the date the   XXXX   is to be completed which means I will have to refund money that I have no access to. The bank has no right to hold money from me that they received the day after the check was deposited. There are fees on my account because there are things trying to go through because of funds are not accessible. This is not the first time this has happened.
Product: Credit card or prepaid card

My recent complaint was closed because the CFPB stated that my complaint was a duplicate, this is not a duplicate. This is a different/new transaction from what's being reported! 

I submitted a dispute with PNC bank because there was an unauthorized transaction on my account for {$100.00}. I received a letter in the mail stating that the investigation has been completed and the transaction was valid. PNC Bank has not provided me with any documentation that proves that this transaction was in-fact authorized by me. Pursuant to 15 USC 1693g ( a ) it is the purden of proof for the financial institution to provide proof that a unauthorized transaction was authorized by the consumer by signature, photograph, or fingerprint or by electronic or mechanical confirmation. PNC has not provided me with any of the requirements under this subsection. Please help assist in resolving this matter and having my funds returned back to me as soon as possible. Thank you.
Product: Credit card

Obtained a credit card from self inc. A company you ca. build credit through and at end you get a check and a credit card offer. I was trying to buy a home so this program helped until I was given the credit card lost my job and could not keep up with payments. I contacted the company to see if I could make payments in hopes to keep the card I was told no. However this is report on my credit report today and this is listed or sold as a charge off.
Product: Debt collection

Reference No. : XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX Alleged Balance : {$340.00} To Whom It May Concern, I am disputing the above-referenced claim in its entirety. I have previously raised this dispute and requested debt validation through both phone and the XXXX, yet you have failed to provide any proof of the alleged debt. I paid this bill in full directly to the hospital.

I request that you provide copies of all relevant documents, including an itemized bill, to verify the validity of this claim. Please forward these documents to me exclusively via mail or through the CFPB portal. Do not contact me by phone regarding this matter. 

I urge you to handle this matter with the attention and seriousness it requires.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian keeps opening up Disputes everrytime I contact CFPB with new information in the last 60 days Experian Has Only Corrected and deleated XXXX XXXX these practices need to be pubilicflly notted for future Law Suits as Exhibits as well Experian needs to stop trying to sell me services to boost scores etc THIS NEEDS TO BE STOPED IMMEDIATELY
Product: Debt collection

I received a letter at my home address in XX/XX/XXXX from a collection agency XXXX XXXX XXXX that had my last name and a different first name. The letter referenced a Best Buy debt that was not mine. I contacted Best Buy to ask about the debt. They said that the debt was not mine but they would not provide any details about the person whose name was on their account. They told me to call Citibank who handled their credit accounts. 
I contacted Citibank. They had no record of the debt and they had no record of an account in my name. 
Since XX/XX/XXXX I have been receiving collection letters on this debt. Neither Best Buy, Citibank or XXXX XXXX XXXX will provide any information about the debt even though they all say that the debt is not mine. I have sent letters, faxes and had multiple phone conversations, none of which has resolved the problem. 
The problems : 1. I am receiving collection letters to my address with a name that has my last name and a different first name. 
2. This is not my debt. 
3. No one from Best Buy or Citibank will provide information nor will they turn it over to their fraud department for investigation because they say that the debt was sold to XXXX XXXX XXXX. 
4. XXXX XXXX XXXX says that they either can't provide information about the debt because a ) it's not me on the account or b ) because they bought the debt and have no details about what it is that was on the Best Buy purchase. They can't even give me the date of the purchase.