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

XXXX-17 I do not remember the amount but it's for Bank Of America, XXXX XXXX XXXX and any other banks shown on the XXXX report. This one person who was my roommate at the time, when I opened the accounts, told me the checks he had were good and instructed me to deposit the checks into the atm and into my account but little did I know that they were bad and ended up getting the bank to force me to close out the account and be put on XXXX  for fraud when it was my ex-roommate who did the checks. There was a warrant out for my arrest and by working with my defense attorney, I was able to get the charges against me dropped. I can contact my defense attorney and get him to ask the police there for a police report that proves that the charges were dropped. I just want the XXXX bad listings on me to disappear for good. 
For XXXX, this was all because my roommate instructed me to deposit a, in his words, good check that was actually a bad check and that bounced, making me owe money and having the account closed out by the bank. 
I just want this to be off XXXX and me to be put out of the database.
Product: Debt collection

To Consumer Finance, I'm seeking assistance regarding a dispute over an outstanding rental debt, which I believe is unwarranted. I'd like to provide you with a brief overview of the situation : 1. I submitted a property inspection report and lodged a formal complaint in which I expressed my decision not to pay the last month 's rent. This was primarily due to a lack of maintenance and the exorbitant cost of rent, which I considered unjustified. 

2. I'd like to emphasize that my job required me to relocate from XXXX  to XXXX. Consequently, I officially moved to Texas and was not a resident of Georgia during the two months for which I'm being asked to pay rent. 

3. I returned the keys to the property, conducted a peaceful move-out, and left the property in the same condition as when I first moved in, with no damage. 

4. Despite my multiple attempts to communicate and address my concerns, the property management company chose not to respond or engage in any dialogue regarding the issues I raised. 

I'm seeking your assistance to evaluate the legitimacy of the rental debt I'm currently being asked to pay. I firmly believe that the debt is unjust, given the circumstances outlined above. Any guidance or support you can offer in resolving this matter would be greatly appreciated. 

Thank you for your attention to this issue, and I eagerly await your response. 

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

During my XXXX  buying process, XXXX XXXX XXXX XXXX Colorado ( lender ) informed me that I have XXXX Judgements/Liens. I did not recall having any sort of liens or judgments. I asked for the XXXX case numbers and also the name of the vendor that reported them. I was informed, XXXX XXXX XXXX XXXX Colorado, that " Data Verify '' furnished the report to them via a system called XXXX XXXX platform ''. Upon research and court records I have found the information found to be damaging and inaccurate. 

Please note that none of these Judgements appear on my credit report. Also, please note that I am supposed to close on my home XX/XX/XXXX and the information that you are reporting is inaccurate and is causing me undue XXXX  and XXXX XXXX However, I understand that this is an error, so I don't blame XXXX XXXXXXXX 's XXXX XXXX platform '' completely as we all make mistakes and sometimes software has errors. I would like to resolve the matter informally with no harm or foul to either party. 

As a homeless and totally XXXX XXXXt, it is very hard for me to find a home and I am not sure if me and my XXXX will have this opportunity again. So hopefully we can resolve the matter informally. 

Please see the Inaccurate reporting accounts that are causing undue financial and mental duress : 1. XXXX XXXX XXXX BANK XXXX XXXX Case # : XXXX Dispute : The XXXX XXXX platform '' reported this account as a XXXX. This is not true ; as this case was dismissed on XX/XX/XXXX ( Please See XXXX ordered dismissal attached ). This account actually belonged to my recently deceased XXXXr XXXX XXXX XXXX ; I suppose this is why the error happened as well. Please remove this account from your records as it is causing me undue XXXX XXXXs and preventing XXXX XXXX XXXX XXXX from furnishing my home loan. 

XXXX. Creditor : University XXXX Tennessee XXXX # : XXXX Dispute : The XXXX XXXX platform '' reported this account as a XXXX. This was a XXXX XXXX that was satisfied due to my military related XXXX. Hence the XXXX XXXX XXXX  has recorded this debt as satisfied. ( Please see attached letter from the XXXX XXXX XXXX ) Please remove this account from your records as it is causing me undue XXXX XXXX and preventing XXXX XXXX XXXX XXXXo from furnishing my home loan. Please see the points of contact for this account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Building XXXX, TN XXXX XXXX XXXX Here is the legal Point of contact information : XXXX XXXX XXXX ext XXXX Email : XXXX Please see my attached XXXX XXXX Identification and Supporting Documents Very Respectfully, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXExperian XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXXExperian XXXX XXXX XXXX XXXX XXXXExperian XXXX XXXX XXXX -Experian XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXXExperian XXXX XXXX XXXX XXXXExperian XXXX XXXX XXXX XXXX XXXXExperian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In according with the Fair Credit Reporting act XXXX the list of the accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C. 1681 section 602 A. States I have rights 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 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 card

I intend to transfer some balance that I have with Synchrony financial, but their website does n't show the account number that I need to transfer the balance I have with them, I want to do a balance transfer to this other card with much, much better rates. Their rates are very, very high by the way. Regardless, the issue is that I ca n't get my account number over the phone because the numbers are omitted from the E statement. Perhaps is that they do n't want you to transfer the balances from their cards that hold outrageous interest rates. Their response is that they are not authorized to release the account numbers over the phone, not even to the owner of the account. My account is in good standing and i 've been paying it for years without skipping a beat. I bring this to you all attention because it seems that they want you to be captive by them and their outrageous interest rates. I feel they are taking advantage by making it very difficult to do any kind of balance transfers. Please investigate this crooks. Thank you.
Product: Credit reporting

All Bureaus XXXX, Equifax, and XXXX have failed twice to investigate my disputes. As you can see from all the documents. It 's been over 260 days since I sent my first dispute letter and a duplicate of it on XXXX/XXXX/2016. This is against my right to dispute my credit. I would like the CFPB to investigate and demand the removal of all issues in question on my credit reports. Thank you.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. My credit information has been used without my consent/authorization or knowledge, I have submitted documentation to support my claim and I request these fraudulent accounts be blocked and removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I am writing this letter to dispute an item on my consumer report that is inaccurate and needs to be investigated and deleted from my report. The collection account in question is XXXX Acct # XXXX. 

Upon reviewing my credit report, I have noticed that XXXX is reporting a last active date of XX/XX/XXXX for this account, whereas Equifax is reporting a last active date of XXXX This discrepancy in the last active date is causing confusion and misleading information on my report. 

I have contacted the creditor, XXXX, and they have confirmed that the account was last active on XX/XX/XXXX, which is in line with what Equifax has reported. Therefore, I am requesting that XXXX investigate this matter and correct the last active date on my report to reflect the correct date of XX/XX/XXXX. 

In addition, I am requesting that XXXX delete this collection account from my credit report entirely, as it is no longer a valid debt and should not be negatively impacting my credit score.
Product: Debt collection

On XX/XX/XXXX as I monitored my XXXX credit report I notice a collection from MED BUSI BUR that I am not repsonsible for. I believe I am a victim of Idenity Theft. I have sent request to transunions, XXXX and XXXX and have not recieved updated information. Below is documention of the transaction. 

MED BUSI BUR Original creditor : XXXX XXXXXXXX XXXX Balance details 0 % of this account is paid off Balance {$72.00} Balance updated XX/XX/XXXX Original balance {$72.00} Since this collection account 's original balance was less than {$100.00}, it isn't factored into your XXXX Score XXXX. 
Account info Account number XXXX Date opened XX/XX/XXXX Account type Open account Status - Status updated XX/XX/XXXX Payment summary No payments have been reported on this account. 
Comments Placed for collection Your statement - Contact info Name MEDICAL BUSINESS BUREAU Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Phone number ( XXXX ) XXXX
Product: Debt collection

I received a debt collection letter for an amount of over {$30000.00}, stating that it was originally for a XXXX credit card. I 've never had a XXXX credit card, nor have I ever had a credit line anywhere near that large. This is completely bogus. The company attempting to collect the debt is 'First National Collection Bureau '. I have read that this company has made numerous fraudulent collection attempts and I want to help to stop them for good.
Product: Credit reporting or other personal consumer reports

i sent transunion a packet via certified mail containing a copy of my credit report with the accounts due to identity theft highlighted, a copy of my FTC identity theft report, proof of identification and a copy of the FCRA Section 605B because they must remove the accounts on my credit report that were due to identity theft. The mail was sent certified with the tracking # XXXX I have also attached the police report to this complaint but they must remove the fraudulent accounts within 4 business days. 
I am providing identifiable information so it is impossible for TransUnion to claim they cant figure out who I am.
Product: Student loan

This account is inaccurately and erroneously reported. I want to request for an investigation of this account. 
NELNET XXXX SERVICES ***** Opened Date XX/XX/XXXX Balance {$0.00} NELNET LOAN SERVICES ***** Opened Date XX/XX/XXXX Balance {$0.00} NELNET LOAN SERVICES ***** Opened Date XX/XX/XXXX Balance {$0.00} NELNET LOAN SERVICES ***** Opened Date XX/XX/XXXX Balance {$0.00} NELNET LOAN SERVICES ***** Opened Date XX/XX/XXXX Balance {$0.00} NELNET LOAN SERVICES ***** Opened Date XX/XX/XXXX Balance {$0.00} NELNET LOAN SERVICES ***** Opened Date XX/XX/XXXX Balance {$0.00} Upon reviewing my updates, incorrect information was found in my reports. Above are the accounts that are reporting on my Credit Reports.Never late on this account How can it be 90 days late without first posting 30 days lates? major error. Please verify all info is true, accurate, and correct incomplete name spelling, address of record, etc. I believe this information may be wrong. I need this removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, This is my second request for details of the procedure you followed when investigating accountnumber [ account_name ] with [ bureau_name ]. 

I sent you a request for this informationand have received no responsePer the Fair Credit Reporting Act, a consumer may request a description of the procedure used todetermine the accuracy and completeness of disputed information. It also states that the creditthe bureau shall provide a description of such investigations within 15 days of the consumer 's request. 



It has been well over 15 days which means that you are in violation of the FCRA.To avoid further action, please forward to me a description of the procedure taken in order todetermine the accuracy of the account number [ account_name ] including but limited to, the nameof the creditor, along with their address and phone number.

Also, I want to know who you spokewith and on what date.

Please forward this information to me within 15 fifteen days of receipt. As I have previously stated, this account is incorrect and needs to be deleted. Please send me a corrected credit reportalong with the description of your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified Experian numerous times that I AM A VICTIM OF IDENTITY THEFT
Product: Credit reporting or other personal consumer reports

" I am writing to delete the following information from my file. The Items I deleted are listed in the report I am a big team of the XXXX XXXX, and I did not make the charge. I report the XXXX XXXX XXXX XXXX to the federal trade commission and i also have enclosed copies of the federal tray, commission XXXX, XXXX, Affidavit. Please delete these items as soon possible. ''
Product: Credit card or prepaid card

as of XXXX XXXX 2018, i recieved a later notifying me that my personal information was being use for various of things i have no acknowlegde of, also purchased gift cards well as credit in my name
Product: Debt collection

Around  XXXX     2016  , Commonwealth Financial Systems began r eporting a collection for  XXXX   XXXX   XXXX  for {$680.00}. I believe this was regarding an emergency room visit several years ago.     I do not have any debt to  XXXX   XXXX   XXXX  since my medical insurance covers ER visits. I feel this is probably a moot point anyway sin ce Commonwealth Financial appar ently is not licensed to collect debt in Florida. When I looked up their Florida consumer collection agency license, it stated in capital letters " REVOKED/VOID. '' I have disputed their information to  XXXX  twice and in both insta nces Commonwealth re plied the debt was " accurate, '' although without explanation as to how this was determined. And I 'm not sure how their able to report information to  XXXX  without a valid Florida license.
Product: Credit reporting, credit repair services, or other personal consumer reports

they are accounts in my credit report that violate the HIPPA Law and this company is letting happening without proper investigation as my requested. 

please see attached all my dispute letters i also move i am sending my current address as well with my ID
Product: Debt collection

I have received at least 20 or more calls from this company called EOS. They refuse to identify why they are calling or what the purpose of their call is unless I provide PII. They only state that they provide private services. Upon googling the name of the company it appears to be debt collection service, but they have not identified this as the purpose of their call. I have tried on several occasions to tell them that I will not provide any private information unless they identify the purpose of the call in order to protect against this being a scam. They then end the phone call.
Product: Payday loan

XXXX The complaint is in reference to the case number listed above. I tried to respond but I could not respond using the website. Yes, I did file bankruptcy but the creditor remains on my credit report. This is not resolved. I had not been informed of the 99 % interest rate on the loan. I was unable to view the " Truth in Lending '' disclosure until after the loan had been processed and funds delivered to my account.
Product: Debt collection

I was resident of XXXX, XXXX  for 7 years and always paid my city bills ( water, sewer, etc ) on time. During this COVID pandemic I moved to XXXX  and closed all my service accounts. I faced the XXXX   XXXX challenges and the XXXX XXXX department filed a derogatory claim on my credit file for {$120.00} dollars which as soon as I found out I paid it. They couldn't reach me because I was unavailable due to the XXXX and I couldn't pay before. I found it very unfair to post this type of claims that damage my credit reputation just because of one small balance, even when I paid always on time and the account was closed before moving to XXXX  and now the balance is paid, I need this claim to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquiries on my credit report that I did not consent not authorize these inquiries they are fraudulent and I need them removed immediately from my crediXXXX XXXX XXXX credit report. These are for the inquiries that needs to be removed. 

XXXX XXXX XXXX XXXX XXXX finance ) XXXX XXXX. XXXX XXXX  XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX finance ) XXXX XXXX. XXXX XXXX XXXX finance ) XXXX XXXX XXXX. XXXX finance ( XXXX ) XXXX XXXX. XXXX credit ( XXXX ) XXXX XXXX. XXXX credit XX/XX/2022. XXXX XXXX XXXX XXXX XXXX XXXXnance ) XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX  ( finance ) XXXX XXXX. XXXX XXXX XX/XX/2022 2022
Product: Credit reporting or other personal consumer reports

The date that this card was opened is XX/XX/2023. The card is from XXXXXXXX XXXX and I have called them to disable that account since I never inquired from them personally. Fortunately they provided the address and email where the card was attached to. The address is XXXX XXXX XXXX XXXX XXXX, NC. The email address ( from memory ) was XXXX but I would rather have XXXX tell me the email again. The credit card has a limit of {$2000.00} and the person who used it spent ~ {$1900.00} on it and did not pay it off.
Product: Checking or savings account

I, the consumer and natural person, was denied an account by PNC BANK when I applied for a XXXXbalance account and my documents, including a security instrument, were supposedly destroyed and not returned to me which is required by law. 
On XX/XX/2022 I made a deposit into the XXXX  XXXX XXXX in the outside deposit drawer of PNC at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Please see attached deposit items ). 

On XX/XX/2022, PNC assistant branch manager XXXX XXXX called to confirm my request and refused to open my XXXX balance account per the instructions in the deposit envelope. 

I, then requested on the same date that she have the legal department to review my documents and open the account as requested. As of XX/XX/XXXX, XXXX claims they ( the legal department ) rejected the documents ( message via another banker who answered the phone as she was busy ) and she never called me back as requested the week prior with an update, nor has she returned my documents. 

On XX/XX/2022 I sent a complaint via email and fax. 

On XX/XX/2022, XXXX XXXX, Vice President PNC Bank, XXXX  Client Relations XXXX XXXX, called to enlighten me that PNC does not offer this type of service despite it being on their website. She stated that she did not know what I was talking about. A very unfruitful conversation that ended in me requesting my documents back and her agreeing to do so. Here is the link : https : //www.pnc.comXXXX  As of XX/XX/2022, XXXX XXXX XXXX Vice President PNC Bank XXXX XXXX Client Relations XXXX XXXX, called to inform me that the documents were destroyed by XXXX XXXX at the XXXX XXXX  XXXX XXXX 

I am requesting my XXXX-balance account be opened per my instructions along under your treasury measurement services immediately upon receiving this request. I also would appreciate her returning my documentation asap that is identity theft because they scanned these documents and continue using them without my knowledge. All banks have the right to use my information as they see fit since I agreed to be a member of this bank and I would like to be able to benefit from my instruments and data being used without my authorization just like them. 

I would greatly like to have someone return a response to my request at your earliest convenience. If this transaction is not possible, I need in writing as to why I am not allowed to open this type of account although its blatantly advertised on their website. This is false misrepresentation and identity theft. Thank you XXXX XXXX Governs this transaction as all debts are pre-paid and access to my treasury account is granted by me extending credit to PNC via the instrument they claim was destroyed, but once accepted they must honor it. XXXX XXXX is another law/statute that states once a negotiable instrument is presented it must be honored.