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

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$1700.00} ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX TRANSUNION ARE ALL REPORTING INFORMATION THAT I DID NOT CONSENT TO PURSUANT TO 15 USC 1681 ( A ) ( 3 ). I WAS NEVER CONTACTED OR GIVEN THE RIGHT TO VERIFY OR CONFIRM THE ITEMS THAT ARE BEING REPORTED IS IN FACT ACCURATE. MY RIGHTS HAVE BEEN VIOLATED PURSUANT TO15 USC 1681 ( A ) ( 4 ) .THE FOLLOWING ACCOUNTS HAVE VIOLATED MY CONSUMER RIGHTS : XXXXXXXX XXXX XXXX # XXXX. XXXX XXXX XXXX XXXX  XXXX ACCT # XXXX. DEPT OF ED/XXXX ACCT # XXXX. ALL INQUIRIES WERE NOT AUTHORIZED BY ME AND WOULD LIKE FOR THEM TO REMOVED AND BLOCK.
Product: Credit reporting or other personal consumer reports

I requested the 1099 for this supposedly charged off account ( XXXX XXXX ) & received absolutely nothing. The account status was then changed so I requested validation of the debt and still received nothing. It has been over 90 days now and still no response. Balance was only changed.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I spoke with a representative at FNB Omaha, who was unable to verify an account to justify an inquiry. The agent was provided with my social security numbrer. Advised by the agent to contact the credit bureaus.
Product: Debt collection

Date : XX/XX/2024 Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX Phone # XXXX Email : XXXX Collector Name : PNC Bank Collector Address : XXXX XXXX XXXX XXXX, OH XXXX Account # XXXX RE : Dispute of Debt and Violation of Consumer Rights Dear PNC Bank I am writing to dispute the debt referenced above and allege violations of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). 

Debt Validation : I have received your communication regarding the alleged debt, but you have not provided the required validation information as outlined in XXXX2 CFR 1006.34 and B5 of the FDCPA. This regulation states that you must send a written validation notice within five days of your initial communication, containing details such as the amount of the debt, the name of the original creditor, and the date of the last activity on the account.

Failure to Dispute : Furthermore, your actions violate 12 CFR 1006.34.c4i of the FDCPA, which requires you to provide me with a reasonable opportunity to dispute the debt before taking any further action. I have not been afforded this opportunity.

Consumer Reporting : Despite the lack of validation and dispute opportunity, you have reportedly placed this debt on my consumer report. This constitutes a violation of 12 CFR 1006.34 ( d ) of the FDCPA, which prohibits debt collectors from reporting inaccurate or unverified information to credit reporting agencies. Additionally, it violates 15 U.S.C. 1681s-2 ( a ) ( 3 ) of the FCRA, which prohibits furnishing incomplete or inaccurate information to credit reporting agencies.

Demand : I demand the following immediate actions : Provide written validation of the debt as per 12 CFR 1006.34 and B5 of the FDCPA. 
Cease all collection efforts until the debt is validated. 
Remove the debt from my credit report if it has already been reported. 
Provide written confirmation of these actions within 30 days. 
Further Action : Please be advised that if you fail to comply with my demands, I will be forced to pursue further action, which may include filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and/or seeking legal counsel. 

Sincerely, XXXX XXXX
Product: Debt collection

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 trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 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 informatin requested from the list of acceptable itms 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 ).

Please delete the following accounts. 
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
Product: Credit card

I have been been repeatedly called by alliance one on a blocked number. I have recorded a few times this has happened and also notified them that they ca n't call me on a blocked number.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts US BKPT CT WI XXXX Bankruptcy XXXXXXXX XXXXdismissed Date Filed/Reported : XX/XX/XXXX Reference # : XXXX US BKPT CT WI XXXX Bankruptcy XXXX XXXXdischarged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance :
Product: Mortgage

My bill pay service mailed a check to PHH pulling funds out of my account ending in XXXX in the amount of {$1300.00} on XX/XX/2023 and they never posted the payment to my account so I had to send a second payment once I found out that they didn't post the first one. I have reached out to them without any success. The check number was XXXX. I placed a stop payment on the check-in late XXXX after sending a second payment that was posted to the account correctly. They have agreed to wave the late fee but I have been unable to get credit report fixed.
Product: Checking or savings account

so for some backstory, I am a XXXX-year-old man that doesn't know how to access my bank account without one of my kids or grandkids helping me. I am on disability and XXXX and spend most of my time with my wife of over 35 years and son who is helping me write this. 

Details : I recently noticed a {$120.00} charge on my account and later showed it to my son, who said it was unusual ; initially, I thought it was a XXXX charge ; I contacted Wells Fargo earlier on XX/XX/XXXX and they refunded the charge on XX/XX/XXXX ; my son and I dug deeper in my account and discovered a charge of XXXX dating back to XX/XX/XXXX and almost every month until my complaint ; We discovered that the organization went by the aliases ( XXXX  ) and ( XXXX XXXX ) and that it is not even located in the same state as me. This organization has stolen over {$2200.00} from my account in total. This is why I am requesting your assistance, as I have submitted a claim to Wells Fargo and they refused and closed my claim on XX/XX/XXXX. 

thank you for listening to me and thank you.
Product: Debt collection

debt collection agency calls multiple times a day using different numbers, has called at XXXX and XXXX multiple times after ive already told them the time. they have have been completelt obnoxious and no regard to consumer contact laws. it is against the law to call outside of XXXX and XXXX and they know this. They also are aware of the times they call because they have my current address on file and know i live one the XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 USC 1681 ( a ) ( 1 ) - the banking system is dependent upon my consumer reports being fair and accurate to me. TransUnion and XXXX continues to report a bankruptcy on my credit report when I have disputed and sent them proof several times from XXXX XXXX that they were unable to verify the accuracy of the bankruptcy and has removed it from my report. I just recently obtained documentation from the XXXX XXXX XXXX XXXXXXXX as well that sates they do not report any information to the credit bureaus and is not responsible for verifying or validating information from consumers ' credit files. XXXX and TransUnion has both sent me letters stating that they reached out to the XXXX and the information came back verified which is a total lie considering their response. I don't understand why they continue to tell me that it has been verified as accurate. Pursuant to 15 USC 1681 ( a ) ( 2 ) - this careless mishap that these companies have caused has ruined my reputation, and has adversely affected my creditworthiness. I am being denied credit because of their grave errors which has caused me severe XXXX and anxiety.
Product: Credit reporting or other personal consumer reports

This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. 
I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

THE FOLLOWING ACCOUNTS WERE USED UNAUTHORIZED. IT AFFECTS 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting the following addresses to be removed from my credit file 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
Product: Mortgage

CURRENT DUE DATE : Your current due date is XX/XX/2023 PAYMENT FREQUENCY Biweekly START DATE CRITERIA In order to set up bi-weekly automatic payments the loan must be paid ahead by 1 month at this time. If your account is paid ahead 1 month you will need to select a Draft Start Date that will ensure a full payment ( 2 bi-weekly draft installments ) is received prior to the next due date and allows the account to continue to be contractually paid 1 month ahead. 

PAYMENT DATE Please select a draft day of the week ( XXXX ) that is most convenient for you. The day of the week selected will remain the draft day for the duration of the ACH enrollment. Your payment will be drafted on this day every other week. XXXX half of the monthly payment amount will be withdrawn every other week. In a years time, 26 voluntary drafts will be made. Every month, each draft will remain in the suspense account unless/until the funds available in the suspense account reach the amount required to satisfy a full monthly payment, at which time the funds will be applied to the account in accordance with the terms of the loan documents and/or other direction, as provided. 

Please Note : Every XXXX draft will be applied as a principal reduction. 


Wednesday MONTHLY PAYMENT : The current contractual payment amount is {$2100.00} Please Note : All drafts will include principal, interest, applicable tax, insurance, and any additional funds you may designate for payment of principal and/ or escrow. 

ADDITIONAL PRINCIPAL I would like additional funds deducted and applied to PRINCIPAL monthly. 
Please deduct an additional {$100.00} per month, {$50.00} biweekly. 
ADDITIONAL ESCROW I would like additional funds deducted and applied to ESCROW monthly. 
Please deduct an additional XXXX  per month TOTAL MONTHLY PAYMENT Your total monthly payment is {$2200.00}. 
Your biweekly draft is {$1100.00}. 
DRAFT START DATE The draft start date must be on a day of the week selected for drafting, and more than 15 days from today. ( e.g., If the selected draft day is Thursday then the start date must be on a Thursday more than 15 days from today ) Select a new date that will comply with the start date criteria. 
Above is the error message received from XXXX XXXX XXXX 

XXXX IS NOT ALLOWING THE ACCOUNT TO SET UP BI WEEKLY PAYMENTS AFTER MAKING XX/XX/XXXX PAYMENT AS REQUESTED BY THE XXXX. 
AT THIS POINT THEY ARE NOW REQUESTING THAT THE PAYMENT FOR XX/XX/2023 BE MADE BEFORE THE ACCOUNT CAN BE SETUP FOR A BI WEEKLY PAYMENT.
Product: Student loan

I am missing 3 years of payments to count towards my PSLF request. If I had those 3 years I would fall into forgiveness. I am missing all of XXXX, XXXX, XXXX and some of XXXX. I was employed at a non profit during that time, I was not in school, and I was paying on my loans.
Product: Debt collection

On XX/XX/2024, I requested a validation of debt from LVNV Funding LLC. They could not provide any information that showed that I have a contract with LVNV Funding LLC.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed several unauthorized inquiries reporting.

Here are a list of the unauthorized inquiries that are being shown on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Checking or savings account

I attempted to make an {$3800.00} ATM cash deposit at pnc bank on XX/XX/year> around XXXX XXXX XXXX  and The atm gave me an error message stating We're sorry. Your bills were not removed in the allotted time, and they have been retracted. 
Please contact your financial institution. I filed a dispute claim with my bank, I also included video and photo evidence of the PNC ATM error I received while attempting to make my {$3800.00} deposit was told I have to wait XXXX business days for them to investigate the issue. I called my bank back on Friday XX/XX/year> and was informed that my claim was denied and closed. Now Im at a lost of {$3800.00}, to be exact it was XXXX x XXXX dollar bill notes & XXXX x XXXX dollar bill notes totaling {$3800.00}. I also included the photos of the PNC Bank ATM error.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, 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. 

Accounts : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX # 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: Credit card

Wells Fargo a credit card by mail that was never received back in XXXX of XXXX. 
I called and informed them that I had not rec 'd card and the informed me that they would expedite and resend another card back in XXXX XXXX, and I rec 'd new card but have yet to use card. Now in my recent XXXX credit report I found that Wells Fargo has report my account past due for {$16.00} that they claim is a XXXX fee they charged my account for expediting my card that got lost in the mail. The Fraud representative I spoke to stated that he will pull up the recording and If I am correct I will have it removed, but refused to give any written confirmation to me, rather he told me I would have to wait and see next months statement to see if charge was removed, without any further explanation or assurance of outcome confirming their internal investigation. 
I is absurd that anyone would accept this explanation as it is my credit they are reporting as in default and waiting another 30 days would make this matter more en-grievous as it would be further in default without any explanation or transcript of conversation from their internal investigation. I request that an investigation be started by XXXX credit reporting agency, and I have advised them I did not authorize charges, and requested late charge accrued be removed as well. Still waiting.
Product: Debt collection

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 

Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

1. XXXX Account Number : XXXX Please remove it from my credit report. 

2. 0XXXX XXXX XXXXXXXX BANK XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWARE THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA AN ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGANIZATION BELOW : CC : XXXX XXXX XXXX XXXX OF XXXX CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX XXXXXXXX : STATE SENATE CC : FEDERAL DEPOSIT INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX phone someone stole my information this XXXX XXXX  keep XXXX XXXX  my account amount {$700.00}. One dealership run my credit many times even though i told them not to do it. I did not approved it for them to run my information that much. I need this to be clear for all credit places ASAP. Even child support is done too clear everything. XXXX im not going to be paying for someone XXXX  XXXX i never did at all. Please clear everything from my record because im becoming a XXXX  XXXX my record needs to be clean.