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

On or about XX/XX/2019 I notified : XXXX, XXXX, and Experian about fraudulent unauthorized accounts on my account via a dispute. XXXX and XXXX  did fix some of the errors. However, Experian did not remove any of the errors on my report. I went on to submit a second round of request in XXXX of 2019. Again, XXXX  acknowledged the errors and removed some of the unauthorized accounts. However, Experian did not take any actions and all of the unauthorized accounts remained on my report. In XXXX  0f 2019 I disputed the information under the 609 FCRA act. The bureaus did not accurately identify the information on my report. In not verifying the information on my report, the bureaus : Experian, XXXX, and XXXX  left the inaccurate information on my reports. In regards to the dispute, one creditor went as far as to send me a bill as verification. The bureaus took the document as validation. As I understand, bills do not validate that the account is mine. They only verify that an account was in fact opened in my name. However, they were not opened by me.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX Bank of America XXXX, extension : XXXX C- XXXX This supposed representative of Bank of America sent me an email but is not responding to email or calls. The Bank is purposefully ignoring the complaint despite my multiple attempts to contact them. I am waiting for the money on my account that was closed without notice.
Product: Debt collection

Complaint Summary : I am filing this complaint against XXXX XXXX for fraudulent and deceptive practices regarding the collection of alleged debts. Their actions violate federal laws, including the Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and contract law principles, including the requirement for proper verification and equal consideration. These violations have caused significant financial harm, emotional distress, and reputational damage. 

XXXX. Improper and Unlawful Collection Practices XXXX Funding has engaged in improper and unlawful collection practices, including the following : Failure to Provide Verification : XXXX Funding has failed to provide legally required verification of the alleged debt under 15 U.S.C. 1692g. Copies of billing statements or generic account summaries do not constitute verification. I demand a copy of the original contract or promissory note bearing my wet signature. Without this, any attempt to collect is fraudulent. 

No Proof of Consideration : XXXX XXXX has not demonstrated that any lawful consideration was extended for the creation of this alleged obligation. As the grantor and originator of the funds through my signature, I assert that no valid debt exists. 

Violation of FDCPA ( XXXX ) : Misrepresenting the validity, character, and enforceability of the alleged debt constitutes a deceptive practice. Attempting to collect on a debt without proper proof or validation is both illegal and fraudulent. 

XXXX. Fraudulent and Misleading Claims XXXX XXXX is attempting to collect on an alleged debt that is unenforceable due to lack of lawful consideration and proper verification. Specifically : Fraudulent Origination : As the original transaction relied solely on my signature to create the funds, XXXX XXXX has no standing to enforce or collect this alleged obligation. 

False Representation of Ownership : XXXX XXXX has failed to provide evidence of lawful assignment or ownership of the alleged debt. Without this, any collection attempts are unlawful and deceptive. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX has reported this alleged debt to credit reporting agencies without proper verification. Negative credit reporting is being used as a method of harassment and communication, which is prohibited under the FDCPA. These actions constitute : Violation of FCRA ( XXXX ) : Reporting inaccurate, unverifiable, or fraudulent debts to credit bureaus is unlawful. 

Defamation : Reporting false debts to credit bureaus harms my reputation and creditworthiness. 

XXXX. Emotional Distress and Financial Harm The actions of XXXX Funding have caused : Severe emotional distress due to harassment and fraudulent practices. 

Financial harm, including lost opportunities due to negative credit reporting.
Product: Credit reporting or other personal consumer reports

This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.c
Product: Checking or savings account

On XX/XX/2023 I used the XXXX  ATM located at XXXX XXXX XXXX XXXX XXXX XXXX. This ATM is next to a XXXX XXXX  ATM. I wanted to withdraw {$300.00} using by chime debit card to then deposit that cash to my XXXX XXXX account. At XXXX XXXX  I requested {$300.00} from the XXXX  atm and it had a {$3.00} charge. The ATM cancelled my transaction, no money was dispensed and I collected the receipt. I called XXXX and they told me to dispute it with my bank. I then used my CHIME card at the XXXX  atm to withdraw the same amount of money that was not dispensed. I filed a dispute with CHIME and it was denied. 

Can the camera on the ATM be used to show that my transaction was cancelled?
Product: Debt collection

Attached a letter to explain what has happened concerning a company called The Revenue Group out of XXXX Ohio.
Product: Credit card or prepaid card

During the hardship of millions of people due to the Corona Virus situation. Citi Simplicity Card, ( Address XXXX XXXX XXXX, XXXX, Arizona, XXXX ) does not answer or respond to consumers. Consumers are left on hold for hours and if you finally get through the line is disconnected and there is no call-back. This has been happening between the dates of XX/XX/XXXX through XX/XX/2020.
Product: Credit reporting or other personal consumer reports

I have sent many prior requests to your company to reinvestigate this inquiry that I believe to be incorrect on my credit report. Arent you required to complete this investigations within 30 days of receipt? I have heard of company pulling peoples credit without permissible purpose and I have yet to see verification of those purposes provided by your company. I will once again list the inquiries in need of investigation : asap. I have tried to contact every one of the company listed and most of it do not even have any record of me. How can they have a permissible business purpose to pull my credit if they dont even know who I am? 
XXXX XXXX Inquiry Date XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX transferred our mortgage to another servicer. They then reported our account as delinquent for over 30 days even though we no longer have an account with them. 

They failed to correct the issue after claiming they would. 

Then they failed to address the issue when I called in again.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX  Has been reporting since  XXXX  an account for the  XXXX   XXXX   XXXX  over a payment that was between my insurance and the billing department of the clinic. The Clinic was in dispute with the billing company due to over payment and improper billing. When this issue was resolved I received documentation from my insurance company, forwarding a copy to   XXXX   XXXX   to have this removed from my credit report since it was not directly my fault. Instead it was not properly removed by all reporting agencies and updated with   XXXX    on  XX/XX/XXXX .     I was advised this morning that this is still active and not deleted.
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 Account NumberXXXX Account Name : XXXX  Account NumberXXXX has violated my rights. Or a list of inquiries : 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

I filed Chapter XXXX bankruptcy in XXXX 2010. My credits were notified electronicaly on XXXX XXXX 2010. Wells Fargo entered a illegal lien on my property on XXXX XXXX 2010, through XXXX XXXX XXXX. This account was discharged in XXXX 2010, but the lien remains against my property.
Product: Debt collection

Made complaint about Professional Placement that they were reporting inaccurate information that is negatively impacting my credit score. They admitted they did not possess the documentation to validate the debt and admitted they are knowingly reporting an inaccurate account opening date. They are still reporting the information to the credit bureaus despite knowing that the information can not be validated upon request. PLEASE SEE ATTACHED LETTER
Product: Debt collection

On XX/XX/2017, Premiere Credit of North America LLC took {$5200.00} from my XXXX bank account on XX/XX/2017 without ANY notification ever based on warrant  XXXX. After protesting the collection to Indiana Department of Revenue, the warrant was made by error and has been expunged. Indiana Department of Revenue has refunded me with {$4100.00} for wrongly collected tax and interest but Premiere Credit of North America LLC refused to refund the collection fee with {$1200.00} and hung up when I called them for solution. Plus, the Indiana Department of Revenue made it very clear that the collection fee has been paid to Premiere Credit of North America LLC and I have to contact the company for refund.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and Social Security Number : XXXX, and 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 Equifax 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 credit card opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX, revolving accounts opened at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX opened on XX/XX/XXXX XXXX XXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 # ( private case number ) 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 or other personal consumer reports

I recently submitted a request for an investigation of the disputed items, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update or get rid of the following itemsfrom my file. 

XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX LA XXXX, GA XXXX ; XXXX GA XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXXBalance Owed : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXBalance Owed : {$170.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXXBalance Owed : {$180.00} ; XXXX XXXX
Product: Debt collection

Cavalry portfolio services a debt collector bought the debt from XXXX on XXXX which was to drop of my credit report onXX/XX/XXXX XXXX is no longer on my credit report. Cavalry Portfolio Services remain  and is scheduled to remain until XX/XX/XXXX.They have called friends in Ohio my XXXX job. I need them to removed. The account # XXXX There address XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX. I live in XXXX XXXX. My email is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied credit due to a credit report the potential lender had received from Experian so I wanted to get my credit report online, but the system wasnt loading " at that time '' I tried Friday and Monday. Anyways they let me print out a page to mail to them, BUT they want my photo id ( In the mail?! ) and a utility bill with current address. My issue is, if they have enough information on my name to get me denied credit, w/o asking me for proof of who I am, then why wont they send me, at my address of record, the same report, without trying to squeeze out even MORE personal information? So now they will have my driver record and which electric co and how much electricity I use, in addiion to what they already have on me? Is this legal? XXXX gave my my report in no time, on-line, without trying to coerce more personal info! 
Thank you
Product: Prepaid card

The account is over XXXX XXXX XXXX and the VA XXXX XXXX XXXX My monthly XXXX payments into this account at Serve. In XXXX I went to prison and got out XX/XX/XXXX. While I was in prison the VA still made deposits monthly into this account. When I got out of prison I contacted Serve to give them my new information so I could access the account. On my first call to them I didn't have my card or any information. And of course they could not change the account for security reasons. I then got All my information and the actual card that I had on the account and have been calling in regularly to have the account updated with my new information. ( I have no access to my old phone number or address or email. I can provide anything they need to verify. I've offered to fax. I am verified with id me. And the VA and social security. I can't get them to assist me or give me access to this account
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Owed : {$990.00}
Product: Money transfers

This complaint is regarding International money transfer by PNC Bank, XXXX XXXX XXXX, XXXX, PA XXXX. 
I am permanent resident in XXXX. I support my family who lives in XXXX. 
I have tried to send wire transfer to my mother and my niece and multiple ones of them were unsuccessful, resulting in increased financial burden for me, taking time off work to perform these transfers and having to go to the bank to check on transfers, they would not perform it over the phone, I need to go there and present my government issued ID. 
The first wire was send on XXXX XXXX, 2015 for {$9000.00}. It went through without a problem. 

The second wire was send on XXXX XXXX, 2015 for {$17000.00}. This wire did not go through. I went to the XXXX Branch and had discussion with the person sending the wire. Who would not give me any answer, I was told it was bank policy not to tell me about it. I was given no recourse. 

The third try at wiring the money happened from XXXX branch on XXXX XXXX, 2015, where I was told that the amount I was trying to send before is above the limit of {$10000.00}. So it has to be broken down into XXXX separate wires. I agreed to send this wire for {$9000.00}. It did not go through. Upon my inquiry, I was told to take my account somewhere else. 

Then I went to the downtown branch in the XXXX XXXX XXXX building. The person there told me that the previous XXXX wires did not go through because, the wire operator in the wire room entered wrong information. He also told me that I have a valid reason to transfer {$17000.00}, no reason to pay double the fee, it can be send by a single wire. He send the wire and confirmed with the wire operator exact information that was entered. This wire went through. 

Another wire was send on XXXX XXXX, 2015. This was for {$8000.00}. The wire was not received by the intended recipient. I went to the bank and inquired about it on XX/XX/2015. A phone call was placed by XXXX XXXX to the wire room, she was informed that there are multiple wires about which he is getting complaints, i think he said it was XXXX XXXX. I was told by the branch manager XXXX XXXX that she will pass it on but there is nothing else she can do to help me. 

Attached are all the copies and receipts. 
Thank you, XXXX XXXX XXXX. 
Phone # ( XXXX ) XXXX XXXX XXXX XXXX, PA XXXX
Product: Credit reporting or other personal consumer reports

I found Fraudulent inquiry in my credit report ... XXXX  XXXX XXXX  XXXX pleae remove it
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. 

I told Equifax to reinvestigate these accounts : Account name : XXXX XXXX # XXXX is on Equifax twice as an account. Account name : XXXX XXXX # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly. 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. Also they aren't even in compliance with metro 2 credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called to XXXX XXXX XXXX on XX/XX/XXXX to pay my remaining balance on lease loan of XXXX and I attempted to pay through automated service but it was giving a error so I connected to live agent she asked for my account number I stated to her it should already be on file with them like my XXXX XXXX XXXX acct she apologized and said it wasn't I have her my acct number the second time she ask me to repeat it I have too many numbers. On XX/XX/XXXX I got an alert through XXXX that a change to my report I checked it chase had reported me 30 days late. So I called them and asked what happen I was speaking with a acct manager name XXXX he told me that the payment didn't go through do to bank error account not found he stated to me not to worry it happens all the time the account number was enter wrong and I asked how come I wasn't contacted by phone and he said they attempted they never updated my contacted number that I have given them 2 months prior and he said they had my contact number as unverified and called my old number instead. He apologize for them not updating my account properly and he said he updated it that day and put notes in the file wrong number was called. He also stated that he would be in touch within two days to complete the investigation on listening to the call the day I made that payment. He never did I had to call myself to get the information that they had completed that day a week later the agent I spoke to that day said she could not remove the late payment. I requested for the call with XXXX to be investigated and this was a common mistake it was a partial payment and I had never been late period and it was a bank error. They were unsympathetic to me as a customer. And very dismissive
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$7000.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00}.
Product: Debt collection

I've seen false accounts on my credit report, and they're hurting my credit score.