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

Look I'm the victim here, this Bank XXXX has been a problem for years on my Credit Reports. I filed Bankrupty over 15 years ago, XXXX was part of that judgement. I see on my credit report that this account came after my bankrupt. They are really beginning to upset me, not only are they on my credit report, but on my mothers credit report who has no nothing to do with that bank. My old mother doesn't even have a credit card only XXXX XXXX. Me and my mother are victims of fraud, we have reported it. Many stuff on my report are very similuar to my mothers. I'm very upset with all these banks that allow Credit Cards to be open without background checks and liability. This needs to stop. Also XXXX XXXX XXXX is on my report 4 times I've never banked at that bank. Stop this fradulent asctivity
Product: Debt collection

I received a letter in the mail from this debt collector saying that I owe XXXX XXXX XXXX  when I have previously disputed this debt directly with XXXX XXXX & had it removed from my credit report some years back. This company is trying to collect on a debt thats not even owed. Im requesting for them to send me information proving a debt before I even decide to pay a dime because right now my credit is important & dont need any surprise items inserted onto my credit report
Product: Credit reporting or other personal consumer reports

I made Equifax aware that they are violating my rights to dispute discrepancies on my credit profile by not investigating and providing proof a debt is valid. I filed fraud disputes on XXXX account XXXX XXXX and XXXX XXXX. I sent in my identity theft report. Equifax failed to remove these fraudulent accounts. On top of that they are being reported as charge offs. I informed them I never received any tax documents from these companies.
Product: Debt collection

I've sent several disputes to this company and I have not received any proof of validation, no reply to my demands or anything. This my third time contacting this company about this account. 

Midland Credit Management Balance {$850.00} Opened XX/XX/2022
Product: Checking or savings account

Money was stolen from my account while I was in XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the bank is saying no error occured. I obviously had not done these charges I was XXXX XXXX XXXX in the hospital XXXX. I've sent documents to them showing I was in the hospital and all the times whoever took my money used many devices and changed the pin multiple times etc.
Product: Checking or savings account

On XXXX the XXXX I was incarceration until being released on XXXX the XXXX during that time someone was using my debit card on one day they did XXXX and something out of my account and XXXX one day out of my account and of course chase is denying my claim because they said someone in my house must of did that so I must have gave them my pin number but I did not authorize any of those charges. I had to sit in XXXX  for XXXX weeks because someone was spending my money I could have gotten out of XXXX  the very next day when my deposit hit my account but no I had to wait XXXX weeks for my daughter to come up with the money .so chase is saying that I need to take it up with who ever I love with. That could be several people in my house but my thing is I did not authorize anyone to use my card. But chase is denying my claim I sent in my proof of incarceration showing I was in incarceration. I don't understand why just because they used it as a debit they denied it ..what do I do
Product: Money transfer, virtual currency, or money service

I was scammed into an international wire transfer on XXXX XXXX, 2020 in the amount of {$12000.00} from my checking account with Chase. 
I went to the local branch in person to complain. After a phone call by one of the Chase employees I was told I would receive a refund within 3days.After Questioning again in person I was told It could take up to 8 days and I might be charged with certain fees that would be deducted from the refund. When again no credit appeared on my account, I was then told I would not receive any refund.. 

Also the copy handed to me of the transaction does not have my signature on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX, XXXX Account # XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) Account XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX 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.
Product: Checking or savings account

Wells Fargo allowed someone to open a checking account in my name around XX/XX/year>. I contacted them to close the account but was unsatisfied with the follow up report that was received. The report did not explain the measure that Wells Fargo had taken, the root cause of the failure, and what they are going to do differently to protect me from reoccurrence. Letter put all of the burden on me to protect myself and came off as business as usual at Wells Fargo. This is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ACCT XXXX XXXX I'm writing to you regarding discrepancies I found on my credit report. 
Why is this account being report with 2 different dates of last activity on the 3 major credit reporting companies also different dates of opening the account XXXX reporting open account and 120 days late, Transunion and XXXX XXXX past due amounts this is a violation of FCRA and also in violation of requisite XXXX  XXXX complaint reporting standards. 
by the provisions of the FAIR CREDIT REPORTING ACT and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX compliance regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate compliant, and verifiable.
Product: Debt collection

I signed up for XXXX cable and internet service, but was immediately dissatisfied with the service. I used their online chat to cancel my account within the first 30 days of service. I have a saved, time-stamped chat log confirming the account was closed. I then returned all XXXX equipment the very next day, which was also within the first 30 days of service. I have a dated receipt from the local XXXX office showing the exact serial numbers of all equipment returned. XXXX 's 30 day money-back guarantee entitled me to cancel the new account and owe nothing. However, XXXX apparently sold this false debt to Diversified Consultants. I provided all proof of cancellation and equipment return receipts to Diversified Consultants but they refuse to remove the derogatory remark from my credit report.
Product: Credit reporting or other personal consumer reports

Account that has been disputed before for incorrect amount history, and has been reopened with another debt collector company name
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 states : There is a need to ensure the consumer reporting agencies exercise their grave responsibilities with fairness. impartiality, and " respect for the consumers rights to privacy '' Experian and XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801which states " It is the policy of the Congress that each financial institution has a confirming obligation to respect the privacy of its consumers and to protect the security and confidentiality of this customers nonpublic personal information. ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 ( a ) section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with the written instructions of the consumer to who it relates " ( Furnisher of information to credit agencies ) the financial institution and the consumer reporting agencies XXXX, Experian and XXXX do not have my consent to furnish this information and the surely do not have my written consent. Any and all who consent to XXXX, Experian and XXXX ( Furnisher of information to credit agencies ) whether it be verbal, nonverbal, written, implied or otherwise is revoked.15 USC 6802 ( b ) ( c ) states that " Financial institution may not disclose no public personal information to a nonaffiliated third party unless-the consumer is given an explanation of how the consumer can exercise that non-disclosure option. ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15USC 1681C ( a ) ( 5 ) states '' except as authorized under subsection ( b ), but no consumer reporting agency may also take any consumer report containing any of the following items of information, other than records. of convictions of crimes which antedates the report by more than seven years. " This account is an adverse item they are reporting again without my permission which is against the law, 15 U.S, Code 1681s-2 ( A ) ( 1 ) A states '' 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.15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. " I am opting out of your reporting services
Product: Credit reporting, credit repair services, or other personal consumer reports

Previous dispute with XXXX XXXX. I was sent a letter from XXXX XXXX on last dispute, which CLEARLY states incorrect COMPLIANCE DATE/DOFD! This letter claims DOFD to be XX/XX/XXXX. My report, and payment history REPORTED by XXXX XXXX CLEARLY states DOFD  as XX/XX/XXXX! This is over a year discrepancy, and is ILLEGALLY RE-AGING MY ACCOUNT! 2 attached file will CONFIRM! This is a violation of my rights! Remove account IMMEDIATELY!
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 


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, credit repair services, or other personal consumer reports

4 years ago I sold my home in XXXX, NC and moved into a new one in XXXX, NC. I hired a moving company to pack and move my personal belongings. When we moved into our new home, we had XXXX come and install TV, Phone and internet ... .same as in my former home. 

I then began to received calls from XXXX about modems. Heck, they brought and delivered them to me at the XXXX address, I'd called to cancel service and I assumed that THEY would come to retrieve said modems. 

Now began threatening phone calls and I finally found said modems at the bottom of a box my packers had shipped to me. I pulled out said modems, drove to another town and turned them in. I specifically asked the manager of the store is there was anything else required of me. Meaning my cable bill was paid and they had their precious modems. The answer was NO. 

I have had to reason to look at my credit score until recently and have discovered that using the XXXX score, my credit is only in the high XXXX 's! I have no debt other than a mortgage with my wife ; my car is paid for and for credit I ONLY use XXXX XXXX. I typically carry a 6-figure balance in my CHECKING ACCOUNT and now I'm seeing I'm being bashed over this XXXX issue. My mortgage lady says that this XXXX issued is bashing my credit. 

I want it removed ... end of story
Product: Credit card

Have Home Depot ( HD ) Card from Citi Bank ( CB ). Received notice on first bill minimum balance due monthly was {$25.00}. Paid late in XX/XX/XXXX due to HD computer crash in XX/XX/XXXX and they could not accept payments from or too any type of electronic card until computer crash fixed. CB Charged a {$35.00} late fee in XX/XX/XXXX for this late Payment. Balance due in XX/XX/XXXX with {$35.00} late fee as approximately {$63.00}. Contacted CB by phone and they agreed to strike the {$35.00} late fee. Paid the {$25.00} owed. Since then Continues to charge me {$35.00} late fee each month stating that I failed to pay the minimum due with the late fee in XX/XX/XXXX even though they remitted the late fee owed in XX/XX/XXXX. Attempted to discuss and resolve issue with CB with no success. Contacted Attorney who sent a letter to CB in XX/XX/XXXX with a time frame for CB to respond. CB did not respond in time frame and would not take calls. Attorney sent 2nd letter XX/XX/XXXX. CB sent me letter to contact them. Contacted them XX/XX/XXXX and they refuse to do anything further about late fees from failing to pay balance owed in XX/XX/XXXX even though they remitted that late fee.
Product: Vehicle loan or lease

I had got side track cause of the inflation had went up and damaged my finance by the government and trying to get back on track to bring my account current as possible and i explain it to the company they put me on a payment arrangement and it work but the inflation still hurting my finances.
Product: Checking or savings account

This is a second complaint against PNC Bank. PNCs previous response blamed XXXX XXXX XXXX XXXX for PNCs failure to honor valid external payment requests from me. I have attached four letters from XXXX which clearly states that PNC stopped the payment. Some of these rejected requests occurred after PNC acknowledged that I requested they remove any stop payment action. I did not authorize a stop payment for any of these transactions. PNC took this action without my consent. This has cost me considerably in fees and a hit to my excellent rating. 

Below is my original complaint. 

Around XX/XX/XXXX, I requested that PNC put a stop payment on a CD transaction with XXXX XXXX XXXX. PNC honored this request. I subsequently made several electronic payment request to XXXX for my credit card from my PNC account. PNC rejected these two additional payment requests. I keep around {$10000.00} in this checking account regularly, so I could not understand why the payments were rejected. When I called PNC to ask why my credit card payment requests were rejected, the customer service rep informed me that any payment requests to XXXX would be rejected until I removed the stop payment. I immediately requested the removal of the stop payment on XXXX XXXX XXXX. The agent removed the stop payment around XX/XX/XXXX and then told me that I could immediately make a payment to XXXX. I made the payment request in the amount around {$1000.00}, it was again rejected. I called PNC again around XX/XX/XXXX, another representative informed me that the stop payment on XXXX XXXX had been lifted and he assured me that I could immediately make a payment to XXXX. The payment was again rejected. I called PNC again around XX/XX/XXXX and spoke to a third representative who told me I could make a payment if I gave it a day or so, I asked that my concern be escalated to a manager since, I was now incurring costs and hits to my credit rating. Several days later, a PNC manager called me from the Escalation dept. at his manager told me that my request to remove the stop payment had been done previously and I could send XXXX the payments that were now late. She also informed me that she would listen to the prior calls and if I was provided with wrong information from PNC, they would reimburse me. I never heard from her again. Based on the escalation managers assurances that the issue has been fixed, I sent a fifth payment of over {$1000.00} to XXXX, which was again rejected around XX/XX/XXXX. Again, I keep around {$10000.00} in this checking account regularly, so there was no reason to reject the payment. I have been a PNC customer in good standing for over 25 years and a XXXX XXXX XXXX customer for over 40 years. PNCs rejection of a lawful payment request is not right and sounds illegal. I want PNC to honor my lawful requests, cease their rejection of my payment requests to XXXX XXXX XXXX, issue a letter from PNC to XXXX apologizing and explaining that the rejection of payments was an error on PNCs part, not the part of me, the depositor. I also want PNC to reimburse me for late fees and return check fees, I incurred from XXXX.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
The accounts i have reported as inaccurate are attached as documents.
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts and addresses I do not recognize are continued here. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance {$2400.00} XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$11000.00} XXXX XXXX XXXX Balance {$4800.00}
Product: Debt collection

Subject : XXXX XXXX XXXX XXXX XXXX XXXX for Debt Collection Violations Case Number : XXXX Complaint Overview : I am filing this complaint against XXXX XXXX XXXX XXXX for multiple violations of federal consumer financial law, including the Consumer Financial Protection Act ( CFPA ), the Fair Credit Reporting Act ( FCRA ), and the Fair Debt Collection Practices Act ( FDCPA ). Additionally, XXXX XXXX XXXX XXXX 's actions violate California Civil Code provisions related to coerced debt and conspiracy to defraud. These violations have caused significant harm and distress, and I am seeking the CFPBs assistance in addressing these issues.

Details of Violations : Failure to Validate Debt ( FDCPA Violation ) : XXXX XXXX XXXX XXXX has failed to provide proper validation of an alleged debt despite my lawful requests. Under the FDCPA, I requested validation of the debt, including a true and correct copy of the original signed agreement, as well as a detailed account history. However, XXXX XXXX XXXX XXXX has not provided this documentation within the legally required timeframe. 

Failure to Adequately Investigate Consumer Reporting Disputes ( FCRA Violation ) : I submitted a dispute to XXXX XXXX XXXX XXXX regarding incorrect information they furnished to credit reporting agencies. Despite this, they failed to conduct a reasonable investigation as required by the Fair Credit Reporting Act. As a result, inaccurate and damaging information remains on my credit report. 

Wrongful Filing of Lawsuits ( CFPA, FDCPA, and California Civil Code Violation ) : XXXX XXXX XXXX XXXX initiated legal action against me ( Case Number : XXXX ) based on a debt that was not properly validated and likely incurred without my knowledge or consent. This debt falls under the definition of " coerced debt '' as outlined in California Civil Code 1798.97.1, which refers to obligations incurred without a consumers consent. The lawsuit was filed without sufficient evidence, constituting a deceptive practice under the CFPA and FDCPA. Furthermore, their actions suggest a conspiracy to defraud me, violating California Penal Code 182 ( a ) ( 4 ), which criminalizes conspiring to defraud any person of property, including through fraudulent debts. 

Harm and Impact : The actions of XXXX XXXX XXXX XXXX have caused me significant distress, financial harm, and damage to my credit reputation. The failure to properly validate the debt, to investigate my disputes, and the filing of a wrongful lawsuit have left me in a state of uncertainty regarding the legitimacy of the alleged debt. The wrongful lawsuit, in particular, has added to my emotional and financial burden.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 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. 

XXXX XXXX XXXXXXXX, has violated my rights. 

15 USC 1681 section 602 A States I have the right to privacy.

15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c. ( A ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any 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 USC 1681s2- ( 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

Demanding a Credit Bureau Investigate To Whom It May Concern : Trans Union I recently submitted a request for investigation of the following Acct Numbers : OHIO DEPT OF HUMAN SERVICES XXXX OHIO DEPT OF HUMAN SERVICES XXXX OHIO DEPT OF HUMAN SERVICES XXXX OHIO DEPT OF HUMAN SERVICES XXXX These XXXX accounts are in dispute with the original creditor error please delete accounts. 
All of these accounts which you DECLINED. I sent info for XXXX or agent of XXXX to carry out a reasonable investigation of my dispute, since it was never done please investigate this account thoroughly.