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

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please update the following accounts completely from my credit reports. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I submitted a payment dispute with Bank of America for an airline ticket that I had purchased. In XX/XX/2021. In early XX/XX/2021, the airline had canceled my reservation and that my ticket should now be considered void and informed me that I was due a refund. To date I have received no such refund. The relevant dates and details on the fact pattern are below : On XX/XX/2021, I purchased an airline ticket through XXXX on XXXX XXXX. 
On XX/XX/2021, I received an email from XXXX stating that my ticket had been canceled by the airline and should now be considered void. The email further stated, Refund processes have now begun to be processed back for affected tickets to the original form of payment used to make the booking. You should receive your refund as soon as possible. 
After receiving the email, I contacted both XXXX  and XXXX, which each informed me to contact the other party with questions about this refund. 
Around XX/XX/2021, I submitted a dispute with Bank of America because I had not received the promised refund. 
On XX/XX/2021, I received a letter dated XX/XX/2021, stating that my dispute was being declined because it was a situation involving a merchants return policy.
Product: Debt collection

I have reached out to Portfolio Recovery in regards to a XXXX XXXX card. I have never owned or applied for a XXXX XXXX card. I have asked for proof that this debt belongs to me. Portfolio Recovery has ignored my request numerous of times
Product: Credit reporting or other personal consumer reports

Please remove fraudulent accounts off my credit profile from Experian XXXX XXXX, XXXX. Immediately. 
XXXXXXXX  XXXX XX/XX/XXXX {$11000.00} XXXX XXXX XX/XX/XXXX {$3500.00} XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX-Date of Inquiry XX/XX/2021 XXXXDate of Inquiry XX/XX/2021
Product: Payday loan, title loan, or personal loan

APPLIED FOR A SHORT TERM LOAN FROM NETCREDIT ON XX/XX/XXXX ; I WAS INFORMED IT WAS APPROVED PENDING PAYROLL VERIFICATION. TODAY, XX/XX/XXXX, I HAVE BEEN DENIED DUE TO " NON-VERIFICATION. '' IN TOTAL, I SENT XXXX EMAILS, CALLED 5 TIMES AND UPLOADED DOCUMENTS TO THEIR SYSTEM XXXX SEPARATE TIMES. TO DATE, I HAVE SUPPLIED THEM WITH BANK STATEMENTS, PAST AND PRESENT, XXXX STATEMENTS FOR XXXX AND XXXX, PAY-STUBS FOR XXXX AND XXXX OF XXXX, DRIVER 'S LICENSE, PASSPORT, BIRTH CERTIFICATE, SOCIAL SECURITY CARD AND TAX DOCUMENTS. NOTHING IS GOOD ENOUGH BUT THEY ARE GOOD ENOUGH TO RUN MY CREDIT AND KEEP ALL OF THESE PERSONAL DOCUMENTS ON FILE. THIS CLEARLY HAS BEEN A VIOLATION OF PRIVACY ON THEIR PART CONSIDERING THEY'VE ASKED FOR MORE AND MORE DOCUMENTS, ONLY TO DENY THE REQUEST. I AM EXTREMELY FEARFUL THAT MY INFO WILL BE USED FOR FRAUDULENT ACTIVITIES.
Product: Checking or savings account

On XX/XX/2021 Citi Bank fraud department blocked my account even from me, they are closing my accounts and they have my whole Social security survivors and XXXX payment which they will not give me any kind of access to it. They seem to be targeting me for my XXXX status from what i have read threw it would appear that discrimination based on XXXX, race, or family status is in violation of federal regulations. The law could not be clearer to preserve federal benefits for their intended recipients, Congress provided that the benefits can not be seized as such seizures would result in the loss of subsistence funds. The statutes governing the distribution of these funds specifically states these funds are to be free from attachment. This happened after my online checking account information was stolen and the result was a mobile deposit being made for {$890.00} by a company called XXXX XXXX  i am a victim of both companies. I need my Social Security to survive and they said i have to go into a branch and get it. Well the nearest branch is XXXX miles from where i live they have all my money so how do i get there to do that? I am 100 % XXXX determined by Social security and other agencies and i can not get anywhere with Citi Banks fraud department that is located in the XXXX. So i have to resolve this quickly i have to pay rent i am facing eviction, my phone will be shut off all because they are withholding my monthly payment. Please help me.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX I am reportingg a fraudulent inquiries found in my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against XXXX XXXX XXXX for committing identity theft. On XX/XX/2022 I checked my credit and seen that a collection was placed on my credit. I have never given XXXX  XXXX XXXX  ANY permission to use any of my identifying information to commit fraud. I have never received any correspondence from XXXX XXXX  XXXX  about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until XXXX  XXXX XXXX can provide me with sufficient documentary evidence, such as a trilateral contract, that I have any legal obligation to pay them. If this documentary evidence can not be produced and XXXX XXXX XXXX continues its collection efforts, I will file for litigation for actual damages caused and XXXX XXXX XXXX will be held criminally liable for aggravated identity theft pursuant 18 USC 1028A, extortion, theft by deception and securities fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required. Account # XXXX
Product: Debt collection

My name XXXX XXXX, a Federal protected consumer, and I am making this complaint against PORTFOLIO RECOVERY ASSOCIATES LLC for committing identity theft. I have never given PORTFOLIO RECOVERY ASSOCIATES LLC any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. Iam demanding a cease and desist of all illegal activity, any communication and collection activity of this and any alleged debts until PORTFOLIO RECOVERY ASSOCIATES can provide me with sufficient documentary evidence, such as a trilateral contract, that I have any legal obligation to pay them. If this documentary evidence can not be produced and PORTFOLIO RECOVERY ASSOCIATES continues its collection efforts, I will file for litigation for actual damages caused and PORTFOLIO RECOVERY ASSOCIATES will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A. extortion, theft, by deception, securities fraud and mail fraud and provide me proof your license to collect in my State. Upon the receipt of documents herein and of this notice, you are hereby notified, Pursuant UCC 1 - 202f. Your Prompt attention and response are both requested and required. Account # XXXX
Product: Debt collection

XXXX XXXX {$970.00} Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : transunion, XXXX, XXXX Please take notice that this letter dated ( XX/XX/2022 ) is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more.

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Product: Debt collection

A Debt collector has put me responsible for a debt that wasnt made by me or consent by me.
Product: Mortgage

I am trying to apply for a mortgage however underwriting is holding me up because a 2nd mortgage that was discharged in 2010 is still showing as " active '' in the MERS system. 

We have contacted the MERS system and they have told us to contact Nationstar Mortgage / Mr Cooper to resolve. However, Mr Cooper states they have no record of the loan and can not help.
Product: Mortgage

In the month of XXXX we mailed our mortgage payment but it was not shown as received, due to postal delays. We were advised to place a stop payment and make phone payment. We notified them of the stop payment and made a phone payment. 
They applied the phone payment and also attempted to cash the stopped payment. 
We requested a return of the overpayment. They removed this payment from our mortgage record but did not reimburse us. 
Our bank did not process the attempted cashing of the stopped payment. 
We waited for the reimbursement but eventually made a second phone payment to protect our credit rating. 
We have been in contact with SunTrust ( Truist ) bank since the middle of XXXX. We have been reassured on multiple occasions that the overpayment was being made to our bank, and later that it was being applied to our XXXX mortgage payment. 
The executive services department of the bank has begun as escalated case review as of the beginning of this week. 
Despite this we received in the mail today a notification of no XXXX payment receipt and that a late fee for XXXX was being applied.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Equifax is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX  XXXX XXXX XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, I have reported this as my only name to the credit bureau and it is still not being reflected on my report. I demand that this be the only name reported and all others be deleted. I have attached an utility bill. 

In accordance with the Fair Credit Reporting act the following companies have have violated my rights. 

XXXX XXXXXXXX XXXX - Account number : XXXXXXXX XXXX XXXXXXXX - Account number : XXXX XXXXXXXX XXXX XXXXXXXX XXXX - Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXX - Account number XXXX XXXX XXXX XXXX XXXX  Account number : XXXX XXXX XXXX XXXX : Account number : 470614X 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 an account without my written instructions. I have not provided permission.

15 USC 1681 ( a ) ( 4 ) Violation of Privacy- Your company did not ensure that this information is accurate, as it is reported differently or not at all on my other reports, and you do not exercise your grave responsibility with fairness and impartiality. You took one side of the story and never consulted with me to find out if this transaction even took place. As a result of this my privacy was breached, and this the violation of my rights to privacy.

15 USC 1681 ( d ) ( A ) ( i ) Congress makes it clear that a consumer report should not include transactions between the consumer and the person making the report. This alleged transaction that you are reporting and failed to investigate is whether or not it factually took place, can be categorized as a transaction that took place between the consumer and the person making the report. Which means it should not be included in my consumer report and in fact is a violation of my consumer rights.
Product: Mortgage

I submitted a HAFA short sale to PennyMac for XXXX, loan number XXXX, XXXX XXXX, I worked with the Seller in submitting a proper application and worked with PennyMac in getting a market value as they were way over valuing the property. I followed HAFA guidelines in listing and advertising the short sale with a 6 % commission. PennyMac is now not following the HAFA guidelines in trying to reduce the commission to 5 % and now saying it is not a HAFA short sale, when it clearly is.
Product: Mortgage

Last year I filed a Chapter XXXX Bankruptcy to reorganize my real estate debt in XXXX XXXX County ( Case No. XXXX ). 
Chase bank attorney XXXX XXXX representing all Chase bank for my case. On XXXX XXXX you have denied my motion to stay and my appeal and approved. XXXX XXXX filed his own plan to liquidate all three of my properties, those that were underwater and those that were not. 
On XXXX XXXX the final plan was issue. XXXX XXXX XXXX, an attorney, was named the disbursing agent of XXXX XXXX plan. Two weeks after XXXX XXXX plan of liquidation was confirmed, XXXX XXXX drained all the funds in my XXXX debtor in possession bank accounts for total of more than $ 50K, without left any money left for my foods, gas, and bills pay. 
If I had not filed the Chapter XXXX and sold the homes myself I would have approximately {$500000.00} because of the equity. Now when XXXX XXXX 's liquidation plan is over my XXXX family members will be homeless with XXXX kids from XXXX yrs old, elder parents and XXXX sister-in-law. 
My attorney was intimidated by the Judge, Chase attorney XXXX XXXX and XXXX XXXX, and did not file an appeal. I have no recourse. I am desperate ; I do not know what to do. As this point I even do n't know if I still have a patience continuing to wait for my BK attorney can do anything to help me. 
As a normal person who 's is not in law profession would ever think to filed chapter XXXX can turn their life from bad to worse. I only think chapter XXXX where they allow debtor to reorganized my debts to affordable payment plan so I have a chance to keep my properties and back on track with my financial hardship. But after the court approved Chase plan they 're intentionally to push me to ended of the road, where all my family and I to be living on street and without pennies to survived. 
My attorney and I are trying to work with Chase so I can bring in certain amount of funds to settle for all of my XXXX properties but Chase attorney did not want to accepted. Rather than to put my house on the market for sale and want to eviction me out of the home if I do n't cooperated with them to sale to my property. 
I trusted the system to be fair and unbiased, and that the outcome that I would achieve through the United States Bankruptcy Court would be better than the outcome that I could achieve on my own. I was surely wrong. The outcome of this case has left me stunned and in utter despair. I can not function and do not know where to turn next. If you have any suggestions, or may have thoughts on what we could do, it would be greatly appreciated. 

Sincerely,
Product: Credit reporting or other personal consumer reports

To your company I have sent in disputes for these account reporting on my consumer report. The accounts still have inaccuracies in the date of last activity. I have asked to have them deleted for violating the FCRA, BUT THIS DID NOT HAPPEN. ( I am now requesting THE METHOD OF VERIFICATION USED FOR EACH ACCOUNT LISTED IN THIS DISPUTE. ) IF YOU CAN NOT GIVE ME THE METHOD OF VERIFICATION WITHIN THE 15 DAYS ALLOWED, YOU WILL DELETE EACH ACCOUNT LISTED IMMEDIATELY. YOU HAVE 15 DAYS TO DELETE THESE ACCOUNTS OR I WILL BE SEEKING LEGAL REMEDY FOR DAMAGES UNDER THE FCRA. DELETE THESE 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To your company I have sent in disputes for these account reporting on my consumer report. The accounts still have inaccuracies in the payment history.. I have asked to have them updated to paid as agreed, paid on time, never late. ( I am now requesting THE METHOD OF VERIFICATION USED FOR EACH ACCOUNT LISTED IN THIS DISPUTE. ) IF YOU CAN NOT GIVE ME THE METHOD OF VERIFICATION WITHIN THE 15 DAYS ALLOWED, YOU WILL UPDATE EACH DATE IN EACH ACCOUNT LISTED TO PAID AS AGREED, PAID ON TIME, NEVER LATE IMMEDIATELY. YOU HAVE 15 DAYS TO DELETE THESE ACCOUNTS OR I WILL BE SEEKING LEGAL REMEDY FOR DAMAGES UNDER THE FCRA. UPDATE THESE ACCOUNTS TO PAID AS AGREED, PAID ON TIME, NEVER LATE : ( XXXX XXXX )
Product: Debt collection

XXXX XXXX harassment : I am in the process of appealing a medical debt with my provider, and have informed the collection agency for the hospital of this process ; including sending them a copy of the appeal letter and time-frame. i have also hired an attorney and have requested they contact my attorney going forward. They continue to call me repeatedly. Further, They are now calling me to harass me about my spouse 's income and have blatantly said " Your wife probably makes enough to take care of this. Where does she work, her name, last 4 of social security. '' They also have acted like they are calling from the hospital billing department and have said they work for the hospital when I asked them to identify them self. They refuse to listen when I have requested they do not call during work hours, and always call while I am working.
Product: Credit reporting or other personal consumer reports

Chime Credit Bureau account reported to the credit bureau agencies that my credit balance had increased, resulting in a XXXX point decrease in my XXXX XXXX. This reporting was inaccurate as there was an open dispute for the charge that resulted in the increase in my balance, days after reporting this information to the credit bureaus Chime XXXX department completed their investigation and found in my favor that the charge was made in error and return those funds to my credit card, however, they did not fix the error of the report to credit bureaus regarding my being over the credit limit.
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. 

Company name : XXXX XXXX, Account # XXXX Company name : XXXX XXXX, Account # XXXX Company name : XXXX XXXX, Account # XXXX Company name : XXXX XXXX, Account # XXXX Company name : DEPT OF EDXXXX, Account # XXXX Company name : DEPT OF EDXXXX  Account # XXXX Company name : XXXX XXXX XXXX XXXX XXXX, Account # XXXX Company name : XXXX XXXX XXXX, Account XXXX XXXX Company name XXXX XXXX XXXX XXXX XXXX  XXXX Account XXXX XXXX Company name : XXXX XXXX In Co XXXX Account XXXX XXXX has violated my rights. 

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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Upon Reviewing my consumer report I noticed some inquires that I did not make nor did I approve anyone to pull my credit report
Product: Checking or savings account

I wrote a check on XX/XX/XXXX, to an individual, to rent a vacation property in XXXX for a week. The check was a deposit on the rental of the property for {$300.00}. Shortly after mailing the check, I cancelled the reservation and was told there would be no charge. The check cleared my bank account on XX/XX/XXXX, eight years and 11 months later. 
I contacted my bank and they told me the check was stale but not invalid and that I needed to talk to the payee to resolve the issue. In trying to find the payee I discovered that she passed away in XX/XX/XXXX. I am sure the endorsement on the check is fraudulent. It has the payees name and then states pay to the order of her son. 
This, now a third party check that is almost nine years old, was cashed by Key Bank.