23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Due to Covid I'm not able to go into a PNC branch ( I'm outside the country ) I am buying a home and need all of the funds from my account. PNC sill not initiate a wire transfer, nor will they allow me to do and international transfer through a third party website. I need the funds from my account as that is what I'm using for my down payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

i received a text alert that told me of a Credit breach. to see my real time score click here. link is for " XXXX XXXX' It requested information such as social security number, birthday, driver 's license information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never opted in to have my information sold by Transunion. I do not have a member account with them and did not know I needed to " opt out '' of having reported information sold to third parties. Late last week, I applied for a mortgage through one lender who I submitted an application to and gave permission to run my credit. 

This morning I was woken up at XXXX by a lender I never contacted cold calling me trying to sell me a mortgage. It's now XXXX and I have received over 35 phone calls and 3 text messages from different lenders- one of who let it slip that they received " my inquiry '' from Transunion . 

I have gone onto the Transunion website and found the section that allows me to opt out of communications and have opted out of all selling of my information. Interestingly, I don't need an account to " opt out, '' which indicates to me that no one is actually " opting in '' to this information sharing. 

It it ludicrous that Transunion can get away with selling information that I have not given them permission to sell.
Product: Credit reporting or other personal consumer reports

Re : Dispute of Reinserted Item on Credit Report Acct # XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX I am writing to formally dispute the recent reappearance of an item on my credit report that was previously removed. The account in question is XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX I would like to note that I previously filed a dispute for this account which was processed and removed from my credit report on XX/XX/2025, please see attached proof of the deletion. However, to my surprise, this fraudulent account has been added back to my report on XX/XX/2025 This reinsertion violates several provisions of the Fair Credit Reporting Act ( FCRA ), including : FCRA Section 611 ( a ) ( 1 ) ( A ) : Requires the credit reporting agency to complete an investigation when a consumer disputes an item and either confirm its accuracy or delete it. 
FCRA Section 611 ( a ) ( 1 ) ( B ) : Mandates that if the information is found to be inaccurate or can not be verified, the agency must remove or correct it.

FCRA Section 611 ( a ) ( 5 ) ( B ) : Specifies that if an item previously removed is reinserted, the agency must notify the consumer within five business days. 
The reinserted item on my credit report has reappeared without proper notification or validation, violating the above FCRA provisions. I request that you immediately remove this reinserted item from my credit report. 
If this matter is not resolved promptly, I will seek legal remedies, including a claim for damages up to {$1000.00} as permitted under the FCRA for violations of the law. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XX/XX/XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without 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 Bum. 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 n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX 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 XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE
Product: Mortgage

I have requested information and documents from this mortgage company to no avail to the point that it 's frustrating. When I do get a response I am told that the information will be forwarded to me but they do not do so. I 'm on this trend since last year and still do n't have a resolution to the matter. All I want is a billing statement translated to the XXXX language since the mortgage branch is located in XXXX XXXX. The billing statement is to disclose information regarding insurance, property taxes and others.
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Mortgage

Ocwen LN XXXX XXXX CA XXXX Short sale was started XXXX/XXXX/2016 with Ocwen. 

On XXXX/XXXX/16 we were told the file was complete. 

On XXXX we were told the investor countered to $ XXXX. 

On XXXX we submitted the Price Addendum to XXXX, HUD, Market Comparables and Contractor Bid for the Value Dispute. 

On XXXX we re-sent all the documents in and confirmed with the Ocwen rep that the documents we submitted for the value dispute had been forwarded to the value dispute team for review. 

On XXXX we were told the XXXX price would be accepted and the file had been sent in for approval. 

On XXXX Ocwen requested a change to the 2nd TD payoff only. They told us the offer was approved and they would send the updated HUD to the underwriting department on a rush for approval. The revised HUD was sent within 15 minutes via email. We called in ( one hour later ) and the rep confirmed receipt of the HUD, said it looked good and sent it in for rush approval. 

On XXXX Ocwen said the file was still under review and confirmed again that the file was marked complete. 

On XXXX We spoke to the Ombudsman department - " XXXX '', who could see the corrected HUD marked received on XXXX, but it showed that the file had not been touched since then, so he escalated directly with short sale management. 

On XXXX we received an email from XXXX XXXX at Ocwen that our offer was too low and we would need to meet their value of XXXX. In that email he referenced an outdated HUD. 

On XXXX, XXXX XXXX reiterated that we needed to meet the XXXX value and that the sale date would not be postponed. We then called the ombudsman 's office to find out why we have been lied to, and the ombudsman does not know. We requested that the sale date be postponed to allow time to negotiate a better offer from the buyer, however XXXX told us that there would be no postponement in the email dated XXXX. 

We are asking for a sale date postponement due to extreme delay in reviewing the offer because Ocwen 's Equator system was not working. This is not our buyer 's fault, and because we had been told several times that our offer of XXXX would likely be accepted, we had not prepared a backup offer.
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. 

AVID ACCEPTANCE  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 reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I am attempting to sign up for the Equifax Data Breach and free credit protection. The web site is always down and the phone number they provide is always busy so you can not get through to them. I tried to enroll and then the site went down so there is no way to confirm whether I am actually enrolled in the system. This is a disaster.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting or other personal consumer reports

I am very disappointed and has finally asked FTC to investigate this case. I am writing to inform you that these inaccuracies in my report is very damaging not only to me and my XXXX XXXX but also to my credit file. I am very much scared of what the future holds because of the fear that this situation is giving me. Please reinvestigate my case and immediately remove these accounts off my report.
Product: Debt collection

Portfolio Recovery Associates obtained a judgement against me back on XX/XX/15. At the time I didn't know my rights, as a consumer, and they won the judgement by default. I had never received proper debt validation from them and they were constantly calling me in the time leading up to the judgement about getting payment and threatening me with a lawsuit. I just read an article " CFPB Takes Action Against the Two Largest Debt Buyers for Using Deceptive Tactics to Collect Bad Debts '' dated XX/XX/15 regarding Portfolio Recovery Associates and the legal action taken by the CFPB against them. I feel like I was in this category but it was quite a few years ago. Was there any class action suits filed against them for this? I was never advised about this until now so I'm looking into any new options I may have.
Product: Debt collection

Sent a dispute letter asking for the Original creditor name and address under 15 USC 1692. Never answered by affidavit and stole the car when a cease of collection of debt after put in dispute in violation of Fair Debt Collection Act, XXXX XXXX, The XXXX XXXX XXXX and non-consentual tow. I am a consumer and not a artificial entity. I am not deceased.
Product: Credit reporting or other personal consumer reports

I recently submitted a request to reassess the previously disputed information The response I received, which was generated by a computer system, is unsatisfactory, and my patience is wearing thin. If the information is not promptly reevaluated and deleted, I will have no choice but to engage legal representation to seek redress through the court system, and I will also lodge complaints with regulatory bodies such as the CFPB, FTC, and my state attorney general 's office. 

I insist that you expeditiously remove and update this erroneous information and provide me with an updated version of my credit report. 

1. The status is incorrect for the following account. Please correct/update this inaccurate information on my credit report. these accounts were never late. 
XXXX Account Number : XXXX Date reporting NOT Accurate : XX/XX/XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Date reporting NOT Accurate : XX/XX/XXXX Moreover, in accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I am demanding actual proof that the information was verified, rather than a computer-generated confirmation. Please provide the following : 1. The names and business addresses of each individual with whom you verified the information above, so that I can follow up. 2.The date on which you contacted the individual information furnishers. 3.The method of communication used to verify the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting lots of inaccuracies in my report. I have been sedning letters to since XX/XX/XXXX Equifax - XXXX Letter XX/XX/XXXX - XXXX Letter XX/XX/XXXX - XXXX Letter XX/XX/XXXX It is over XXXX and no response or report of investigation, i believe nothing has been done about it This is absolutely not acceptable. The report has caused me great distress and XXXX. 
According to the FRCA Law, Section 611 XXXX XXXX XXXX XXXX XXXX  ) ( A ) of FRCA that clearly states that a failure to investigate and report any disputed inaccuracies or error within XXXX it gives a reason to immediately remove those items from my credit report. it has been over XXXX, so they should be deleted immediately.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The TransUnion credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Date Opened XXXX XXXX, XXXX Balance : {$290000.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$480000.00}
Product: Mortgage

After messing up my escrow XXXX sold my mortgage to Carrington Mortgage Services as of XXXX/XXXX/2015. I made my XXXX payment to XXXX and the check was cashed as of XX/XX/XXXX. Carrington has been harassing me over the payment since XX/XX/XXXX, and has been notified several times that the payment was made to XXXX in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, XXXX XXXX furnished on my credit reports with XXXX, XXXX, and Experian that my account with the number XXXX XXXXXXXX was charged off. According to the IRS, when a debt or an account is charged off the account needs to be reported as income by the lender and borrower. If this account is supposed to be recorded as income for tax purposes then by default it is inaccurate to be furnished on my credit reports as these reports do not furnish income. I sent letters to the credit reporting agencies XXXX, Experian, and XXXX to have these inaccuracies corrected but have not gotten this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

These companies are not tied to any of my accounts and was not authorized by me. Several hard inquiry pulls from the same company 5 days apart. XXXX XXXX XXXX XXXX/XXXX/2021, XXXX/XXXX/2021, AVID ACCEPTANCE LLC XXXX/XXXX/2021, XXXX XXXX XXXX/XXXX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX Balance Owed : {$2400.00}.
Product: Debt collection

On XX/XX/XXXX i was contactacted by XXXX XXXX about two accounts i had in collections. XXXX with XXXX XXXX about taking care of the accounts. He told me he had a settlement offer for me. I said i didnt want to take a settlement if they were going to report to the credit Bureau that i paid less than the full balance. He told me if i set up payments and made all the payments on time he would report to the credit Bureau i paid balance in full. All payments were made on time and I fulfilled my end of the agreement. XXXX XXXX has now reported to the credit Bureau that i settled for less than the full balance. I contacted them on XX/XX/XXXX and ended up speaking with operations manager XXXX XXXX, who told me that i made a settlement and that their representative had miss spoke about the agreement that was made. XXXX refused to listen to the conversation that we had and repeatedly told me i was wrong. She stated multiple times that the representative had not worded the conversation properly and refused to help me. I specifically told XXXX that i didnt want to do a settlement if they would report that i paid less than the full balance. He assured me that he would report i paid in full. He talked me into taking the deal by misleading me in their end of the agreement. Exactly what he told me wouldnt happen did. XXXX XXXX refuses to live up to the agreement made and now refuses to help resolve the situation.