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

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A, states that I have a right to privacy. 

15 U.S.C 1681 section 604 A Section 2, states that a Consumer Reporting Agency can not furnish an account without my written instructions. 

15 U.S. Code 1681e Section B - Accuracy of Report, states that Consumer Reporting Agencies shall follow reasonable procedures to assure maximum possible accuracy of the information. This account shows 30 and 60 days late payment on one credit bureau however, it shows 60 days and 90 days late on another credit bureau. I have never been late on a payment regarding account number XXXX from XXXX XXXX XXXXXXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX : XXXX. Department of XXXX Account Amounts : {$3900.00}, {$4800.00}, {$3500.00} XX/XX/XXXX I disputed this account with all three credit bureaus, XXXX, Equifax, and XXXX on XX/XX/XXXX the credit bureaus have since updated my report to reflect that the account has been forgiven by the government. Not only are there inconsistencies on the reporting of this account, this account should not be reflected on my credit reports according to the FCRA because this account is not accurate. 

Please investigate if all information is correct. If not, please remove them from my credit report. In your findings, you may see how this account should not be reflected on my credit report. The last status that you have reported is : Current account/was a collection account, insurance claim or government claim or terminated for default. Please delete this account
Product: Mortgage

I re-submitted a complaint on XX/XX/23 about Citizens Bank depositing escrow surplus funds that are due to be refunded to me. XXXX XXXX from Citizens Bank called me on this same date and left a message for me to call her back. Today, I have called her direct line, emailed her, and called customer service for her to call me back. I have yet to get a response. I am XXXX  to hear from her because Citizen 's Bank owes me over {$11000.00} that by law must be refunded to me. I want to know the status of repayment of this money. I want to know the status immediately!
Product: Money transfer, virtual currency, or money service

I was looking to buy a used XXXX XXXX '' XXXX. A typical price on craigslist was $ XXXX {$1200.00}, but I found one that was priced at {$800.00}. It was showed to be in a old and affluent of XXXX XXXX, CA. When I contacted the person, they said that they just moved out to Texas and they they should take the ad down soon. I decided to offer {$750.00} and let them XXXX the computer to me. They agreed and we chatted for a while ; I was trying to establish some sort of rapport. I offered to pay half of the price first. At a number of occasions they appeared to have been ready to back out of the deal. I sent {$370.00} using XXXX. At the time I had heard something about their consumer protection. They were supposed to ship the computer to me the same day, but it didn't happen. I contacted Bank Of America and I just got a response that according to their internal investigation they see no fraud ( claim number XXXX ). Here 's how it all happened : XXXX XXXX XXXXXXXX # XXXX.
Product: Credit reporting or other personal consumer reports

I am requesting that the fraudulent hard credit inquiry be removed from my credit report. I received a copy of your agency 's credit report and noticed that there was a request that was not authorized. A list of the unsanctioned questions is provided below. 
XXXX XXXX XXXX XX/XX/2024
Product: Credit reporting or other personal consumer reports

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$XXXX fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file.

"
Product: Mortgage

PNC Bank operates in the most unethical and illegal manner to boost their profits and injure their clients. My mortgage payment was adjusted ( up to cover escrow payments ) and they failed to inform me. They have my phone number and email address -- they never left a voice message, no text, and no email. When I sent my monthly mortgage payment, they deducted funds from my escrow to cover the changed amount -- I was not informed they took this money from my escrow that pays property taxes and insurances, not the bank itself. Still unaware of what's going on, I sent my next monthly payment. This time they did not apply my payment, I am unaware for several weeks. It came to my attention when I received an email from a credit reporting agency that the PNC Bank account was late. When I called the bank, they told me they returned my 2nd payment -- however, several weeks had passed and I never receive a check. When I became aware of this problem, I immediately called the bank and resolved the matter on the phone ( paying a trivial $ XXXX ) to bring the account current. Yet, PNC bank charged late fees and withdrew funds from my escrow to enrich themselves and damaged my credit with late payment reporting. All this happens because they ( intentionally ) failed to notify me. This practice is a business process to enrich their bottom line -- they have several methods to communicate with their customers instantly and intentionally disregard them to enrich themselves. This has happened to me before, PNC Bank is ripping-off their customers across the board using non-communication as a business practice to trigger fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing these ( 3 ) accounts for over 8 months ( starting in XXXX of 2018 ) now with each bureau, as well as directly with the creditors in question. They both always claim the accounts and information are verified and valid, but when asked for their method of verification or proof that they are actually conducting an independent investigation, they never give me any information on that. 1.In all of this time I have only gotten 1 reply from the creditor " XXXX XXXX XXXX XXXX '', wherein they stated their claims were valid. When I then pointed out that the information was inaccurate because it was different information with each bureau, I never got a reply from the creditor again, and each bureau just continually told me the info was " verified ''. There has also never been any mention of this account being in dispute on my report, which is an FCRA violation. 2. The account " XXXX XXXX XXXX '' ( 3 accounts ) has also been disputed multiple times for report info that is different across each bureau. This account was never marked as disputed on my report. Also for the name that is listed on my report is " XXXX XXXX XXXX '' when the company 's actual name is XXXX, XXXX as if to insinuate they have some affiliation with the XXXX XXXX XXXX XXXX which is also a violation. 3. I have reached out many times to each credit bureau and the debt collector " XXXX XXXX '' trying to get a copy of any contract or promissory note that I have consented to between myself and this company that verifies this account 's validity. Every time they tell me the account is valid and their proof is what looks to be a transaction history that I don't recognize on an account with a company other than theirs. ( photos will be attached ) 4. I have reached out many times to each credit bureau and the debt collector " XXXX XXXX XXXX '' trying to get a copy of any contract or promissory note that I have consented to between myself and this company that verifies this account 's validity. Every time they tell me the account is valid and their proof is what looks to be a private lease agreement from a company other than theirs containing my ( redacted ) personal information. ( photos will be attached ) 5. " XXXX XXXX '' This account has been " VERIFIED '' as accurate, even though each bureau has reported different account status such as charged-off and open. I have also requested multiple times for a copy of any contract or promissory note that I have consented to between myself and this company that verifies this account 's validity. Each time they only send me a screenshot of a write-off amount from another company with no evidence tying me to their company. ( photos attached ) 6. After multiple requests, the account " XXXX '' listed on my report has never responded with any proof that this account or alleged debt belongs to me. The only reply I have ever received is that they would no longer be contacting me to pursue this debt, and it has not since been deleted. It has also never been listed as disputed on my report
Product: Debt collection

The debt the office of Reliant Capital Solutions LLC is trying to collect on has been paid in full to the original creditor already, yet the company is still attempting to communicate with me to collect on this debt.
Product: Credit card

On XX/XX/XXXX, someone tried to open an American Express credit card in my name. I got an email about it, as well as XXXX from XXXX about a hard inquiry on my credit. I did not open a credit card - the activity was XXXX
Product: Checking or savings account

I recently opened an account with SOFI Bank. I transferred funds from XXXX XXXX bank. On XXXX an ACH for XXXX dollars from XXXX XXXX bank to SOFI Bank. On XXXX there was a reversal of this ACH for XXXX dollars. Soon after XXXX froze both my checking and savings account stating that this ACH reversal was against XXXX policy. Upon contacting SOFI Bank has no timeline of when my accounts will be unfrozen. Furthermore all monies in the account are VA benefits and should be exempt from a freeze. If this is not resolved soon I will be a homeless XXXX veteran. Even though my accounts have not reflected a negative balance XXXX has choose to cause undo stress upon me and my family
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 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX Date Opened : XX/XX/18 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this account for validation, verification and inaccurate information reporting from XXXX XXXX XXXX. The Bureaus and Creditor have failed to accurately report or removed on my credit report. My husband had the same account on his credit file and it was removed from his with no issue. I have sent countless letters and its still remains on my file with inaccurate information. Please investigate as necessary.
Product: Checking or savings account

Our company XXXX XXXX XXXX issued a check to XXXX XXXX XXXX XXXX XXXX for {$3300.00}, on XXXX the check was cashed at a XXXX Bank in XXXX Indiana XXXX XXXXXXXX XXXX XXXX , we were called several weeks later by XXXX XXXX  that the payment was past due. We looked into our account and showed proof that it was sent and cashed, they denied ever receiving the check and demanded payment, we paid them again since this was clearly fraud upon looing at the check and felt PNC would get our money back from blatant fraud from the XXXX bank teller who cashed a check made out to a company and " scribbled out the name with a black marker. 
" 6 MONTHS later '', PNC is still telling us they are at the mercy of XXXX and that there is not timeline on the check repayment from XXXX, XXXX will not communicate to PNC or me on how they let their teller cash this company check that was CLEARLY a fraud transaction. 
What do I do??
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several hard inquires, in which I have never applied for these auto loans. I was not aware that someone used my social until I checked my credit score and seen XXXX inquires that I have n't applied for. XXXX XXXX XXXXXXXX, American Honda, XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX.
Product: Credit card or prepaid card

I have an Amazon store card. 
I made special promotional purchases, which I wanted to pay off in full. XX/XX/ I paid {$260.00} and told the bank to allocate that payment to pay off in full my promotional balances. 
Told the bank on numerous occasions and written on their website how I wanted the money allocated. Was told it would take two billing cycles, would be no problem. 
Was never paid off, talked to multiple supervisors multiple times and was told that it would be taken to care of on multiple occasions, all recorded. 
Keep getting billed $ 115 monthly for an {$800.00} balance, when on their website it states the payment should be around 2 % of the total owed. 
Told them multiple times I'm not paying {$110.00} to {$120.00} a month and that they lied to me on multiple occasions about paying my special promotional balances off. 
I refuse to pay them.
Product: Money transfer, virtual currency, or money service

Someone took money from my Citibank account of My corporation and used it to pay XXXX XXXX i have no idea who these individuals are. 


I informed citibank of the fraud they said they will provide an affidavit of fraud so i can take to the precinct they did not its been 60 days. Citibank says they will give the money bank if it is fraud. Citibank says they sent XXXX a request and that amex did not respond. 
XXXX responded to me when I called and provided a Fax number XXXX to send the Fraud claims to .Citibank has not done so or XXXX would have taken care of it. 
Citibanks was left numerous messages to there advestised phone number and they never returend 1 phone call It is a black hole for customer service this is why i was never notified of the fraud when it happened. 

They need to return the fraudulent charged amount of {$44000.00} I need to contact them through the XXXX XXXX XXXX to get a generic response. 
not being able to reach XXXX is a joke
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Al XXXX XXXX XXXX Holloway Credit Solutions XXXX XXXX XXXX XXXX XXXX XXXX, Al XXXX Subject : Dispute of Debt for Account Dear Holloway Credit Solutions, I am writing to formally dispute the validity of the debt you have reported under my name for XXXX XXXX. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation of this debt to ensure its accuracy and legitimacy. 

To assist in resolving this matter, please provide : 1.Verification of the original creditor, including detailed statements or records supporting the debt.

2.Documentation proving that this debt was incurred by me.

3.Any written agreements or contracts signed by me that authorize the claimed debt amount.

I also request that you cease reporting this account as a charge-off until the debt has been validated, as I believe this may be an error. If you are unable to provide proper validation, I respectfully request that you remove this account from my credit report and confirm this in writing. 

Please note that under federal law, you have 30 days from receipt of this letter to provide the requested documentation. Failure to do so may result in my filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or other appropriate authorities. 

Thank you for your prompt attention to this matter. I look forward to receiving the requested information to clarify the validity of this account. Please send your response to the address provided above. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX Pulled a hard inquiry on my credit report. I did not authorize for this inquiry, this was a fraudulent inquiry that I do not approve. I contacted this company at the number XXXX on XX/XX/XXXX I asked them to send me documentation on why this was reported and how the application was submitted along with how they verified the person submitting the information. This inquiry need to be removed as it is fraudulent. 

XX/XX/XXXX XXXX XXXX Pulled a hard inquiry on my credit report. I did not authorize for this inquiry, this was a fraudulent inquiry that I do not approve. I contacted this company at the number XXXX on XX/XX/XXXX I asked them to send me documentation on why this was reported and how the application was submitted along with how they verified the person submitting the information. This inquiry need to be removed as it is fraudulent. 


XX/XX/XXXX XXXX XXXX Pulled a hard inquiry on my credit report. I did not authorize for this inquiry, this was a fraudulent inquiry that I do not approve. I contacted this company at the number XXXX on XX/XX/XXXX I asked them to send me documentation on why this was reported and how the application was submitted along with how they verified the person submitting the information. This inquiry need to be removed as it is fraudulent.
Product: Credit card or prepaid card

I contacted Capital One about removing a CLOSED fraud account from my credit report thats dated seven years ago. I had been taken through so many obstacles with them just to continue to tell them I never opened the account. I submitted a complaint and without contacting me or even investigating the issue, Capital One closed my current account and contacted the credit agencies to remove it. I immediately contacted them to notify them that an extremely serious error had been made on their part. I told them that they closed my open account instead of doing what I reported and asked multiple times. I requested for them to reverse everything that they had done because this was no fault of my own. I got no resolution. I was told whoever I needed to speak to was unavailable. They told me the department that I needed to talk to doesnt accept phone calls. This has been the worst experience and now Capital One is responsible for damaging my credit.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and so I followed all the appropriate steps when dealing with identity theft such as reporting to the local police department, Federal trade commission, identity theft.gov to get my identity theft report and affidavit that is needed to be sent to the Credit agencies. I called Experian to get information about the actions taken regarding my identity theft and I was told that I didn't send correct or enough information. I sent everything required of me by the Federal trade commission. I guess Experian has their own rules, which I don't understand. If Experian has their own rules then why is the federal government involved in this action. It seems to me that the information given to me on identity XXXX Federal trade commission should be what is required of me for Experian to do their part in removing these fraudulent items from my report. Do they make their own rules? Does Experian, have precedence over the Federal trade commission? The gentleman I spoke to whose name is XXXX from the Experian special service department continue to talk over me and tell me that the information that I sent was not enough. I pay {$30.00} a month for identity theft resolution and support I have not been contacted once by their resolution department or anybody else regarding the identity theft case that I filed almost 3 months ago. If that's the case I want 3 months of {$27.00} refunded to me and I also want what is required by fcra 15 USC 605b to go through without somebody telling me that I need more information. I sent everything according to the Federal trade commission identity theft.gov.
Product: Credit reporting or other personal consumer reports

Recently checking my credit report I noticed that I've been a victim of identity theft and found numerous credit inquiries I have no knowledge of here are the inquiries that I've found : XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX 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 XXXXXX/XX/XXXX XXXX Please remove these fraudulent inquires from my credit report. I also attached my identity theft report.
Product: Vehicle loan or lease

I would avoid u sing Ally. Their return policy is deficient, my vehicle sat on the dealers lot for 4 days before someone inspected it. In that time damage appeared and now I am held responsible for the damage. The inspection should be  done while the owner is present, like most other leasing companies do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Before I explain, I want to say my demand is clear and I demand a knowledgeable representative looks over my complaint. Thank you. I pulled my credit report and noticed an alleged debt ( collection ) from XXXX XXXX  is still reporting on XXXX and TransUnion. I sent a debt validation letter to the creditor requesting validation of the alleged debt through demanding a request for accounting, in accordance with the Uniform Commercial Code, UCC Article 9-210. They failed to provide me this, because they didnt provide me adequate validation since they didnt provide me with a record AUTHENTICATED as the law says ; so this reported information is not only invalidated but inaccurate and a clear violation of the Fair Credit Reporting Act ( FCRA ). 

XXXX and TransUnion is participating in fraud with XXXX XXXX and violating the Fair Credit Reporting Act by willingly still reporting this invalidated and inaccurate information that still has not been deleted from my consumer report and I am willing to take legal action against both parties should this information continue to stay on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last month I requested an investigation because I felt the item was not being reported legally. Couple of days later I received a letter stating that your investigation was complete. Please explain to me how you conducted your investigation! 
1. Please provide the name of the courthouse 2. The clerks name that you verified the dispute with 3. The address 4. The telephone number 5. The documentation used to verify the dispute Though none of these have been furnished. I have offered both Trans Union and XXXX ample amount of time to prove this and they haven't. At this point, I feel this should be deleted off my credit report.