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

I am trying to buy a home. In XXXX I paid off any delinquent accounts I had after unfreezing my credit reports. My accounts where frozen because I received a injury and was waiting for my XXXX. Since then They have told me I needed to get some credit cards, Which I pay off every month. I have taken out three credit cards. Experian, XXXX, and XXXX are all reporting delinquent accounts and I have none, which they say impacts my score. First I didn't have enough debt, then I had to much debt and since I paid everything in XX/XX/2023 they continuously taken my scores down, Experian was XXXX, XXXX XXXX, and XXXX XXXX in XXXX, Now I am showing in the high XXXX on all three and one of the reasons they are giving me is no mortgage. IF they are continuously decreasing my score with stating I have delinquent accounts which I do not, and they are keeping my scores so low, I cant get a mortgage. This is not right. I never would have opened any credit card accounts except they told me I needed to. And I pay them off every month, so how as a consumer is this right?
Product: Checking or savings account

PNC has a problem with their bank employees and gossip I was branded as a fraud and scammer because I simply shared something wonderful that happened to me XX/XX/XXXX. The gossip traveled to other branches and I got branded as a fraud based on the employees accusations and opinions. Was held against my will at a branch for an hour, was refused withdrawal of my own funds and was told I needed to be protected from myself in XX/XX/XXXX. Filed a complaint against bank employees several times. Instead of the bank correcting their employees they closed my accounts and sent my name to XXXX XXXX on XX/XX/XXXX accusing me of fraud. After the accounts were closed XX/XX/XXXX
Product: Debt collection

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his company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act
1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud
where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Product: Credit reporting or other personal consumer reports

If you continue to disregard my demands for compliant reporting practices, I will consider this letter as an official notice prior to my petition for a writ of review in civil court. As the injured consumer of your inadequate reporting practices, I contest your assumed reporting privileges for any and all of your challenged claims in this consumer complaint. I demand that you demonstrate your compliance with state and federal reporting mandates, including the FCBA, FCRA, ECOA, and any applicable laws in my state. I am concerned that your claims may not adhere to industry standards for legal and ethical reporting, particularly in relation to the Metro 2 Data-filled Field Formatted Reporting Standards, per CDIA. 

Upon reviewing my personal consumer credit report, I have noticed questionable and/or inadequately reported data in my file at your company 's office. I am confused as to how and why this information has been populated or repopulated into my credit report profile, and whether or not I received the required 5-day notice of its return to reporting. Per the FCRA, any item previously removed can not be reinserted into a consumer 's credit report without written notice to the injured consumer within five business days. I have not received such notice, nor have I received any evidence of the accuracy and completeness of your reported claims. Your failure to remove these claims is a violation of my consumer rights and is unjust. 

Listed below are the Personal Information that are being challenged Employer XXXX XXXX Employer - XXXX XXXX  Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX Incorrect Previous Address : - XXXX XXXX XXXX FL XXXX, XXXX, NY, XXXX Employer - XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Collections that are being challenged XXXX XXXX  XXXXXXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged 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 Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Credit reporting or other personal consumer reports

Data breaches credit gets on frozen and more loans go out that are not me social security number is used for car loans student loans bank accounts using California in XXXX XXXX California and it's social media accounts and I need the help to recover myself and not to recover with somebody else recovering the money as me I am in mass data breaches with XXXX  and it's they give me a number that somebody else had and the other person use that number that was giving to me against me and reports data breaches and fraud
Product: Credit reporting or other personal consumer reports

My credit report with Transunion incorrectly shows I missed four mortgage payments after my Chapter XXXX repayment plan completed. I contacted XXXX XXXX XXXX and they acknowledged the mistake. XXXX was updated and now shows the correct payment history. Transunion still shows four missed payments. I have filed multiple disputes with Transunion and they have refused to correct the error.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. The credit bureaus must remove any item that 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. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$390.00} ; XXXX XXXX  XXXX Balance : {$670.00} ; XXXX XXXX Balance : {$390.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$3000.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2700.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$100.00}
Product: Debt collection

XX/XX/XXXX I went to hospital and was never notified by said hospital that my insurance was not accepted. 
The hospital hired a collection agency to collect the debt and the collection agency has continued to harass me through phone calls and reporting me to the credit bureau to the point of reporting me 3xs for the same debt. When I look at my credit report this past year XX/XX/XXXX I have noticed that I get penalized for the same medical debt 3xs like they are separate but are only one debt. This has continued to damage my credit though I usually have great credit despite this one medical bill and my current student loan.
Product: Student loan

Im having problems with 2 separate loan companies.. one with XXXX and another with AES. Both are threatening to take income tax garneshings, after Ive attempted to settle with both. With AES, they are saying Im delinquent on 5 small loans totaling around $ 1k, and they report to my credit 5 times, after Ive asked to combine them into one loan.. each wanting to take a large sum of money monthly. With XXXX I owe around 16k and they want around 700 per month, and they just kept putting me in forbearance instead of lowering costs. When I tried to just pay what I could they still reported me delinquent. I have XXXX kids, one with XXXX and Im a single mother, with other household expenses and daycare costs. I dont know what else to do, since my credit score is now shot because of it.. I got it up enough during my 3 month forbearance to get a loan for a car, but now its below 500 again because of the loans.
Product: Debt collection

I happened to check my FICO score tonight and noticed it plummeted, then I proceed to order my credit report. To my surprise, I have a medical debt, in which it took some digging before I realized I have missed a bill. Apparenly, what I paid to XXXX hospital is separate from the Physician bill, in which the XXXX has made a poor effort of communication to me regarding the separate charges since XX/XX/2016. And the Bureau of Medical Economic has made a poor attempt in collecting from me, I have yet to receive the bill, I do n't even know the account number of which I owe. The bill is only {$340.00}, I would have pay it if I would have been notified of the separate charges or notified of the late payment. This form of poor communication will affect my credit and future in a negative way. My fiance and I have been working to build a home/house, and now with the downturn of my credit score, I m not sure what my future holds.
Product: Checking or savings account

I am writing to file a complaint against navy federal credit union regarding multiple overdraft fees I have incurred. Despite having sufficient funds with transactions were authorized. I was charged fees due to legged posting of charges and credits. This is aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account,
Product: Credit reporting or other personal consumer reports

I am writing to express my gratitude for taking action to remove some of the fraudulent accounts from my credit report. However, my appreciation is overshadowed by deep frustration and distress over the incomplete resolution of my identity theft dispute. While I am thankful for the steps that have been taken, it is disheartening that not all of the accounts I am disputing have been addressed. This incomplete action leaves me in a state of uncertainty and distress, as my financial stability and peace of mind continue to be compromised. I urge your bureau to recognize the importance of finishing the work you have started. It is essential that all the fraudulent accounts that have been reported are thoroughly investigated and removed promptly. Piecemeal resolution only prolongs the anguish I have endured as a victim of identity theft. These are the fraudulent accounts left that you havent remove : XXXX XXXX XXXX and XXXX XXXX XXXX. Please remove these accounts ASAP.
Product: Money transfer, virtual currency, or money service

Money was accidently transfered to the wrong account. The bank sent it back but Venmo will not put it back in my account
Product: Credit reporting or other personal consumer reports

Experian is reporting 3 different COLLECTIONS Accounts on my consumer report which are Not accurate. The first account is XXXX XXXX ( {$3600.00} ) for which I have No contract with. If they purchased debt from XXXX XXXX XXXX  that debt belongs to them. I am Not Legally binded. 
The second account is XXXX XXXX XXXX ( {$2400.00} ) for which I have No written contract with. They purchased debt from XXXX XXXX XXXX  without my consent. This debt now belongs to XXXX. 
The third account is XXXX XXXX XXXX of XXXX  ( {$680.00} ) for which I have No written agreement with. They bought debt from XXXX, so now it belongs to XXXX, Not me! 
All of these accounts are reporting on my consumer report illegally.
Product: Student loan

This school has permanently closed and I am unable to get an records from this school or complete my education.
Product: Credit reporting or other personal consumer reports

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

I reported unauthorized transactions and they provided refunds on all but one transaction. They claim the withdrawal was made face to face with a merchant that I dont know who or where they are. I have repeatedly told them that. As soon as I couldn't find my card, I cancelled, changed my password and pin and enabled fingerprint on my account. They deceived me by telling me multiple times I would receive refund and that appeals were filed and they have done neither.
Product: Vehicle loan or lease

Hello, Reaching out today in regards to a previous Auto Loan that i had with Wells Fargo Dealer Services that has been completely paid off more than 5 months ago ( XX/XX/XXXX ). 

On XX/XX/2020 i traded in my car into the XXXX XXXX and when doing that the dealership paid off the complete balance owed to Wells Fargo Dealer Services which was more than {$13000.00} in order to remove the Electronic Lien placed on the car. Days later the new credit account for the new car that i purchased through XXXX XXXX showed up on my credit report as it should but the Wells Fargo Dealer Services had yet to come off, and its been almost 6 months already. 

Around Mid - XXXX i contacted Wells Fargo Dealer Services directly and spoke to their rep who assured me that everything was Okay and that the account would be removed from the credit report within 90-120 days as their company only reports monthly. Sadly, the 90-120 days came and went and still to this day my credit report is reporting an additional $ XXXX of debt on my report that frankly doesnt even exist. Because of the fact that this hasnt been removed yet its actually hurting my score every single month more and more and at this point dont even know what to do to get this taken care of. 

Iv traded in multiple cars before in my lifetime and have never had an issue like this. The credit account of the traded car has always been removed within a month or two. 

In this case we are going on almost 6 months, AFTER they been completely paid and balance is at {$0.00}. 

Would appreciate help with this matter as Wells Fargo Dealer Services isnt doing what needs to get done. To recap, they got all of theyre money paid to them 5-6 months ago, but still to this day report my credit monthly that my account is still open and with balance. 

Thank you in advance!
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed my bankruptcy after receiving a letter from the courts stating that they do not share nor verify bankruptcies with third parties like credit reporting agencies as XXXX, XXXX and Transunion. Each dispute came back verified. I called and spoke with someone asked who did they verify the bankruptcy with and each bureau said the court where it was filed. Which is untrue.
Product: Credit reporting or other personal consumer reports

Charge offs are certificates of indebtedness which are mean it is now income and income can not be reported on credit report. With " Accordance to the Fair Credit Reporting Act 15 USC 1681 section 602 states " There is a duty to insure that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX, XXXX, XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 that states " In general subject subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX ( furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless, the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never was i informed of my right to exercise my nondisclosure option. Not only that 15 USC 1681 C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law, 15 US Code 1681s-2 ( A ) ( 1 ) which states " 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. 15 US Code 1681 ( e ) states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 ( c ) of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681 ( b ) of this title. '' XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states " That a consumer may exercise the right to opt out at any time. " I am opting out of your reporting services ''
Product: Debt collection

I have received letters and phone calls from this debt collector demanding that I pay a fraudulent XXXX debt. The debt is not mine and I have no knowledge of where it came from or how it became associated with my name. The phone calls from the company are harassing in nature, accusing me of lying and deceiving them when I refuse to turn over my personal contact information.
Product: Payday loan, title loan, personal loan, or advance loan

I requested an equipment loan worth {$44000.00}. According to the contract it said it was 60 monthly payments that include interest and capital {$1300.00}, this was in XX/XX/year>, I have been paying this loan for 7 months. I wrote to the company requesting the balance of the credit to be paid today and they tell me that I must pay {$70.00} XXXX dollars, which is the total interest on the entire loan and the capital. That is, they are charging me interest on a term that should not be settled. I request the value of the capital as of today and they tell me that I do not have to pay all the interest like this, I want to pay the capital today, this is not legal, since the interest is paid over time of the credit and on the balance, that is, the monthly payment that I am making there is no discrimination to c
Product: Money transfer, virtual currency, or money service

A previous claim # XXXX was filed on my behalf by my Identity Theft insurance provider, XXXX XXXX XXXX from XXXX but because it didn't come directly from, it was rejected by CFPB. Please open a new case based on the following description : On XX/XX/XXXX, my laptop was locked with a recurring message to call a number to XXXX which I did. The imposter XXXX rep claimed that my XXXX XXXX accounts had been hacked without success and no withdrawals had been made. But to insure security, they needed to open up a consolidation account with Binance, US. Before I realized this was a hoax, I had provided my driver 's license number to the impersonating XXXX and his alleged XXXX XXXX accomplice and they attempted to open up a Binance US account in my name. I even got a code email from Binance US that was a step in the account initiation process. 
I have never received a confirmation from Binance US whether an account was opened in my name or not and if it has, I want the account closed. 

Please investigate and advise. 

My Email is XXXX and my cell is XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 
XXXX XXXX, MD XXXX XXXX