23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have already demanded to have these accounts removed immediately. I also requested proof that it was mine with my signature on it and address. They only send me a letter that says verified but no proof as to how and what was used to be verified as I have already filed a police report and sent it to them. All docs requested has been been sent to and received by XXXX, XXXX, XXXX, and XXXX.
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. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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: Payday loan, title loan, personal loan, or advance loan

i applied for a XXXX {$10000.00} personal Loan with Sofi Bank online during the week of XX/XX/year> on XX/XX/year> i recived a unable to approve email letter from Sofi Bank during the week of XX/XX/year> thru my app i recived approval for my loan online from Sofi Bank XXXX XXXX XXXXXXXX XXXX very high rates i did not like but accepted the XXXX page aggrement they told me they called the Sofi customer support about the rates but they needed my banks information account numbers and routing numbers of my bank to send the loan funds to me. i complained about their process after the fact that i had already provided that information but they said they needed it so they had a resolution person email me regarding the information needed to verify my bank and my banking account and routing numbers this process of my banking information contiued for several weeks in XXXX so I requested my XXXX be Cancelled or declined because i felt i was being used just to get my banking information the process did not and still feels unreal. 
Since this initial start i have called Sofi Bank Customer Support about the status of my loan over XXXX times just to hear them tell me they need my bank information which i provided and or i had to open a Sofi Bank account no one could tell me about when i would recived my loan funds to my bank but yet they wanted me to send a payment to them on XX/XX/year> the first installment of a loan funds i or my bank has not recived to date. As of XX/XX/year> i have been reiving emails about being pass due and i have revied calls from Sofi regarding the loan funds that i have never recived this has been a Nightmare
Product: Debt collection

Medical Recovery Services put a derogatory mark on my XXXX  credit report for a bill I had already paid with XXXX XXXX XXXX XXXX XXXX XXXX. 

Back in the winter of XXXX I was attending XXXX XXXX  and while at a XXXX XXXX was hit by another XXXX  and suffered a serious XXXX to my XXXX  and had treatment at XXXX XXXX XXXX. This was several years ago but If I remember correctly my payment wasn't made to XXXX XXXX XXXX  because the bill was sent to my parent 's address and I didn't get it. I think it had already been sent to collections before I found out and paid the bill. It looks like the collection started on XX/XX/XXXX, my parents had moved that summer so that may have affected me getting the bill. I'm also a XXXX  XXXX  and didn't even have a social security number at the time of the accident and didn't get one until the summer of XXXX. I don't remember if it was this medical bill or a different one but I remember one of the hospitals had my phone number wrong too and that may have affected things. The address, phone number and lack of social security number made it kind of difficult to track me down. 

In total, I paid {$1400.00} in medical bills for an accident that was caused by another XXXX. This was a financial hardship for me as a XXXX. Other than this remark, I have PERFECT credit.
Product: Debt collection

Tue XX/XX/XXXX XXXX PM My spouse and I have been deeply troubled and experiencing heightened XXXX  due to the ongoing and imminent risk of having our cherished residence subjected to public auction by the debt collection agencies Real Time Resolutions , IncXXXX in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Our initial home purchase took place on XX/XX/XXXX, during which we, inexperienced in real estate matters, placed our trust in the loan agent and the bank. 

Regrettably, our mortgage arrangement consisted of both a primary and secondary loan. The ten percent down payment, totaling over {$30000.00}, was not specified in the loan documentation. Furthermore, the secondary loan amount of {$34000.00} was unlawfully transformed into a HELOC account, without my knowledge or consent, resulting in a modification to {$90000.00} on XX/XX/XXXX, in collaboration with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX name on falsified documents. 

Subsequently, a further fraudulent transaction occurred on XX/XX/XXXX, amounting to an additional {$90000.00}, bringing the total to {$180000.00}. None of the loan agents involved in these deceitful transactions, including the Notary Public XXXX XXXX XXXX, have been held accountable. 

Despite our efforts, no individual has been identified as responsible for these deceptive practices. Authorities, including the FBI, have cited statute of limitations issues, hindering the pursuit of legal action. 

Multiple complaints were filed with various regulatory bodies and financial institutions, such as the Federal Trade Commission, the California Attorney General 's Office, and the Consumer Financial Protection Bureau. However, the response from XXXX XXXX XXXX XXXX XXXX and relevant personnel was perceived as inadequate and uncooperative, despite compelling evidence of fraud presented during investigations. 

Subsequently, we engaged the services of a real estate attorney, who affirmed the injustice of the debt collector 's pursuit of {$180000.00} upon reviewing the documentation, highlighting discrepancies in loan eligibility criteria and documentation integrity. 

Real Time Resolutions , Inc. and XXXX XXXX XXXX XXXX have persistently threatened foreclosure and auction of our property, causing significant mental distress, financial hardship, and emotional turmoil for our family. 

We seek resolution and restitution for the distress caused by the fraudulent actions of XXXX XXXX XXXX XXXX. This situation has inflicted severe mental anguish, and financial strain, and disrupted our peace of mind. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

In response to CFPB complaint XXXX XXXX  XXXX XXXX  a debt buyer, has again resorted to false and deceptive practices in connection with collecting an alleged debt purchased from CITI Bank N. A. which is a direct violation of 15 U.S.C 1692e specifically 807 ( 2 ) ( A ). XXXX XXXX XXXX has been contacted by certified mail and have not once provided the information proving I am contracted to pay them an alleged debt of {$840.00}. AGAIN pursuant 15 U.S.C. 1692 ( c ) ( c ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except : 1. to advise the consumer that the debt collectors further efforts are being terminated ; 2. to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or 3. where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. If such notice from the consumer is made by mail, notification shall be complete upon receipt. XXXX XXXX XXXX has complied with none of this statute. The attached correspondence sent with their CFPB response from CITI Bank was a document from the original creditor that was sent to an address that does not/has never belonged to me stating that the debt was sold to XXXX XXXX XXXX. AGAIN, under 15 U.S.C. 1681 is the same as it is under 15 U.S.C. 1602 ( I ) which is the term credit card means any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Notice congress said ANY card. The credit card is my social security card. This is the credit card I use to originate the consumer credit transaction with CITI BANK N.A. CITI BANK N.A. gained a loan under my name and borrowed against my open end credit plan using my SS card. Once again I do not owe any alleged debt to XX/XX/XXXXor CITI BANK N.A. XXXX XXXX XXXX was NOT given consent to collect, sell or transfer any of this information or alleged debt by me the consumer. XXXX XXXX XXXX continues to knowingly and willfully violate my rights as a federally protected consumer. Once again XXXX XXXX XXXX debt claims are refuted.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XX/XX/XXXX TransUnion Consumer Relations XXXX XXXX XXXX XXXX, PA XXXX Notice of Dispute : Violation of FCRA Rights - Account # XXXX To Whom It Concerns, I am writing to formally dispute the accuracy of information on my credit report concerning account # XXXX, the Charge-off account from XXXX XXXX. It has come to my attention that you have violated my rights under the Fair Credit Reporting Act ( FCRA ) by failing to conduct a proper investigation into this matter. 

I request the immediate and complete removal of account # XXXX, including all associated late payments, from my credit report. The presence of these items is inaccurate and negatively impacting my financial standing. 

As a consumer, I want to remind you of the following rights that protect me under the FCRA : 1. The right to have inaccuracies on my credit report thoroughly investigated and corrected. 
2. The right to obtain a free copy of my credit report once every 12 months from each credit bureau. 
3. The right to dispute any erroneous information with the credit bureaus and have them conduct a fair and prompt investigation. 
4. The right to be informed about the sources of information that contribute to my credit report. 

I expect a swift resolution of this matter in accordance with the law. Please provide written confirmation once the investigation is concluded, and the disputed items are removed from my credit report. 

Thank you for your prompt attention to this dispute. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

" On XX/XX/2019, I sent United States Bankruptcy Court ( USBC ) an letter requesting their procedure in place for verifying records with the credit reporting agencies. On XX/XX/2019, I received an response from USBC informing the bankruptcy court does NOT perform any activities with the credit bureaus. On XX/XX/2019, a security freeze was placed on my file with XXXX XXXX XXXX. 

On XX/XX/2019, I sent Equifax an certified letter and attached a copy of my drivers license and social security card with signature. In the certified letter, I requestded verifiable proof they have on file regarding the bankruptcies listed on my report. 

On XX/XX/2019 Equifax sent confirmation ( # XXXX ) with the following response : WE HAVE REVIEWED YOUR CONCERNS AND OUR CONCLUSIONS ARE : A NON DISCHARGED/OPENED OR DISMISSED CHAPTER XXXX BANKRUPTCY WILL REMAIN ON THE CREDIT FILE SEVEN YEARS FROM THE DATE FILED. THIS SECTION INCLUDES PUBLIC RECORD ITEMS EQUIFAX OBTAINED FROM LOCAL, STATE AND FEDERAL COURTS THROUGH A THIRD PARTY VENDOR, XXXX. PUBLIC RECORDS CASE OR ID XXXX - XXXX, # XXXX AND # XXXX WERE VERIFIED THAT THIS PUBLIC RECORD ITEM IS REPORTING CORRECTLY If a security freeze was placed on my file with XXXX XXXX XXXX on XX/XX/2019 ; How did Equifax obtain information from XXXX to complete report ( Equifax confirmation # XXXX ). United States Bankruptcy Court does no business with the credit reporting agencies. How did Equifax obtain their findings. ''
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX Date of inquiry : XX/XX/year> XXXX XXXX XXXX Date of inquiry : XX/XX/year>XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/year>XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/year>
Product: Credit reporting or other personal consumer reports

in XXXX  I got XXXX  from my ex spouse in the court order I was awarded fully ownership of the property since then I have file the quit claim deed removing ex spouse I also applied and was approved for a loan modification solely on my income and approved on my own. since then my mortgage was sold to fayservicing and they started reporting my ex-spouse on my mortgage again. I tried several times and spoke with several people to info them of this reporting error and that I am the sole owner of said property I have all documents stating this. such as the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX paper work removing ex spouce
Product: Debt collection

On XX/XX/XXXX I received a bill from A company named Real Time Resolutions. Real Time resolutions informed me that they bought this loan from XXXX XXXX. I took out a loan from XXXX XXXX in XXXX or XXXX. I havent heard anything from XXXX XXXX since XXXX, so I was under the impression that the loan was charged off. Upon speaking with Real Time Resolutions they said that they bought the loan from XXXX XXXX. Real Time Resolutions is saying that we have a outstanding principal of {$80000.00} and the total amount due is XXXX, they are also threatening to take my property. There is now a lien on my property and foreclosure activity.
Product: Credit reporting or other personal consumer reports

I sent a letter to remove 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 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX LA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX TEXAS XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX  Balance : Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX ( Original Creditor XXXX : XXXX XXXX XXXX XXXX  XXXX ) XXXX  XXXX XXXX {$2100.00}
Product: Money transfer, virtual currency, or money service

I originally visited the XXXX XXXX website to purchase plane tickets via XXXX XXXX. We paid for this purchase using your platform, Klarna. Unfortunately, my XXXX passed away suddenly, so we had to cancel our travel plan to start the process of planning for a funeral. I sent an email request to XXXX XXXX on XX/XX/2022, to cancel and refund. We were advised by XXXX XXXX that we could use the airline credit at a future time to book other tickets. We contacted XXXX XXXX to utilize the credit and were advised we can not use it, as XXXX XXXX purchased the ticket utilizing foreign currency ( not USD ) and the representative advised XXXX XXXX never submitted the Cancellation Request before the flight, so I could not use the credit as it was voided. 

XXXX XXXX advised since XXXX XXXX did not cancel my flight and did not pay in USD, I could not and would not have been able to use the credit in the future. I have sent multiple emails to XXXX XXXX with no response. I have been emailing for 2 months. I tried calling their customer service number XXXX directly but their automated message says " our phone lines are closed '' and hangs up. 

I opened several disputes with Klarna who refused to have XXXX XXXX reimburse me, and kept asking me to reach out, stating " they responded to them quickly ''. Of course they responded to you quickly, you're their XXXX party vendor. I have made several attempts over the months to get refunded. XXXX XXXX has refused to respond to any of my emails, their phone lines do not work, Klarna is refusing to reimburse me. I have sent Klarna emails from Department of Transportation, confirmation email from XXXX XXXX stating XXXX XXXX did not follow protocol so there's no flight to be used for a future flight, my cancellation email conversation with Klarna ( the only time they every responded - once I told them I couldn't use the flight credit like they said I could, radio silence ). It has been 7 months, no flight has ever been taken - AA said I have no flight credit ( still ), Klarna is refusing to make XXXX XXXX reimburse me ( even after all the evidence I have provided ), and I found account today XXXX things ; ( XXXX ) they attempted to debit my bank account twice while my account as in the dispute status ( even though I was told by their agent that payments were paused ), which caused XXXX overdraft fees ( XXXX ) they also illegally sent my account to collections while it was in the dispute review process, without prior notice. 

I am filing a complaint with XXXX, CFPB and my local state authorities.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX I have never dealt with this company and have not had any lease accounts in my name. I have been in a totally different state. The information came from identity theft.
Product: Checking or savings account

PNC continues to practice their scheming and unethical practices by charging their customers erroneous fees, and I truly don't understand why the state and federal agency 's that govern the financial institutions in this country have continued to allow these banks to literally steal money from their unwary customers. As of today 's date, XX/XX/year>, PNC has charged my personal checking account {$970.00} in XXXX Fees since XX/XX/year>. This doesn't include the more than {$1200.00} in XXXX XXXX XXXX they have charged my business checking account within the same time period, however my business account with them is now closed. On XX/XX/year>, I made a deposit using XXXX of PNC 's ATM machines BEFORE the required cut-off time, and XXXX more deposits on XX/XX/XXXX and XXXX, before their cut-off time. However, once again I have been charged another {$100.00} in overdraft fees, albeit I made the necessary deposits on time. I've made several attempts to contact PNC XXXX XXXX, each time speaking with a phone representative, then being put on hold until the calls were eventually dropped as the representatives never returned to the call, If the CFPB can't do anything to prevent the banks in this country from charging their customers these erroneous fees, then the Federal Government needs to do something about these flagrant and abusive practices that America 's financial institutions are continuously allowed to inflict on their customers. What happened to the days when banks had to EARN their money? According to numerous financial articles that I've read, and to several programs that I've watched on cable tv regarding banks in this country, most of them are able to make their weekly branch/employee payroll by charging these bogus fees to their account holders. If I tried to do that with my business I'd be prosecuted and sent to prison for larceny.in no time! 

I am incredulous as to the complete disregard and lack of interest from these government agency 's that were supposedly created to protect consumers. Why are these financial institutions still allowed to blatantly steal from their customers? According to their website, PNC has approximately XXXX branches nationwide, with {$550.00} XXXX in assets, and continues to grow. XXXX the millions and millions of dollars that they are allowed to collect in erroneous fees on a weekly basis from their unsuspecting customers. No wonder they keep posting profits quarter after quarter. Absolutely incredible!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting inaccurate information on my Consumer Credit report. I have disputed this, and Experian did not follow the FCRA and related regulations designed to protect consumers ' rights to accurate and fair credit reporting. My rights are not being upheld and I am addressing this issue and requesting all information pursuant Rule 1002 on 15 USC 1666b.