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

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX XXXX, Account Number XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXXXXXX XXXX, Account Number XXXX has violated my rights. 

15 U.S.C 1681 Section 602A. States I have a right to privacy.

15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a payment over the phone with a PNC bank representative on XX/XX/2022 of {$95.00} to pay my PNC Points credit card account ending in XXXX. The payment was processed, however, later returned days later as an invalid account. I called PNC to resolve and after their investigation, they determined that the representative had made an error when entering my payment information into the system, despite my giving her accurate payment details. This was resolved and determined to be a PNC bank error, however, it is still showing on my credit report as being 30 days late on my payment for the month of XXXX despite my making my payment on time.
Product: Debt collection

I did not authorize to consent to nor benefit from the following account ( XXXX ). Block and Remove
Product: Checking or savings account

Truist banking is garbage. The pending transactions take too long to process. Any single cent hit under {$0.00} will charge you a {$36.00} overdraft fee. Even with overdraft protection on you still will be charged. Getting a hold of them is hours worth of time and they claim to have 24/7 online assistance but theyre never available.
Product: Credit reporting or other personal consumer reports

My name is XXXX ; XXXX XXXX The Agent for principle XXXX XXXX a federally protected consumer, holder in due course, attorney in fact. On XX/XX/. An unknown employee of American Express has been reporting negative information onto my consumer report. The negative report says " AMERICAN EXPRESS has flagged your account as charged off as bad debt with XXXX. Which may negatively impact your credit score based on XXXX data '' Please be advised. I am aware This is EXTORION.
Product: Checking or savings account

Opened a business checking account with US Bank on XX/XX/XXXX. Made deposits in XXXX and XXXX to the tune of {$15000.00}. Made a credit card payment on XX/XX/XXXX. However when I tried to make a withdraw at the end of XXXX the account was frozen. I immediately called US Bank, who told me my account was under fraud review and frozen. I called back the first week of XXXX, and was told the account was due to be closed, and a letter would be sent my way with a cashiers check to follow. It is now XX/XX/XXXX and I still have not received a letter explaining the account freeze, nor my monies. I called twice more in XXXX and the first week of XXXX, always being told the account was under review, and I should receive the funds shortly. It's been over 45 days and I still don't have access to my account, money, nor a written letter from US Bank.
Product: Prepaid card

Prepaidgiftbalances XXXX  payment for work done suppose to have {$100.00}. They say card is active but no balance. Card has never been used. Seems like a scam taking money and not paying out! Absolutely no help!
Product: Money transfer, virtual currency, or money service

I am filing complaint against cash app due to inadequate customer service and unfair practices which violates the consumer financial protection act. Specifically cash app failed to take timely and effective measures to prevent and address fraud on their platform leaving my Account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive as they didnt comply with error resolution requirements under electronic fund transfer act and regulation e. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees that have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges. This issue aligns with the recent CFPB REPORTS again Navy Federal Credit Union for similar practices when transactions settled with insufficient balances despite initially available funds.
Product: Credit reporting or other personal consumer reports

I expect your immediate assistance in removing the fraudulent information from my credit file. This data should have already been removed as it resulted from fraud, yet it remains. Under FCRA Section 605, you are required to eliminate any inaccurate records, and Ive already provided supporting documentation in a previous letter, which I am including again. Ive informed my attorney, who is prepared to hold you accountable for your ongoing failure to comply with this obligation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX, AZ XXXX XX/XX/XXXX XXXX XXXX Balance : {$870.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00}
Product: Credit reporting or other personal consumer reports

TransUnion is not allowing me to access my credit report. I have tied to access my report online for over 8 months. I have requested a copy and have not received.
Product: Debt collection

I just recieved a letter saying I owe XXXX $ for XXXX XXXX  XXXX XXXX when i already paid my last bill which was 8.50 $ or something around there
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a collection in my name that isn't mine to both XXXX and Experian. I have a common name and it seems someone with the same name has a defaulted account that is showing up on my credit report in error. I demand this gets removed right away. I have never defaulted on any accounts. I am trying to refinance my house and my credit scores are 100 points less than they should be due to this reporting issue. I have attached my identity documents to prove that this was never my account as well as my credit report profile data. All my previous addresses are valid for me. Over the past 12 years, I have never received mail at any other addresses.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I applied for mortgage deferment / forbearance for two rental properties I own. Loancare / XXXX services both mortgages. I received auto-reply messages saying my forbearance request was received and I should turn off the AUTOPAY direct debits for the loans. I did so. On XX/XX/XXXX, I received LATE PAYMENT notices for both loans. I responded to Loancare with detailed emails and phone calls ( that are not answered ). I received an auto-reply from Loss Mitigation with a Ticket Number and instructions on how to apply for forbearance ( which I had already done, twice, with two confirmations of their acceptance. ) See below : # # # XX/XX/2020 ( Reference number : XXXX Please use this ticket number in any correspondence with us. ) Subject : Loss Mitigation Dear Valued Customer, Thank you for contacting us. 
A Message About Coronavirus ( COVID-19 ) and How to Apply for a Forbearance Thank you for contacting us about your mortgage. If you are experiencing financial hardship due to the coronavirus ( COVID-19 ) pandemic, continue reading for information about your relief options. 
On XX/XX/2020, the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) was signed into law. The CARES Act allows mortgage borrowers to request a forbearance with an initial term of up to 180 days ( 6 months ). When the initial term expires, mortgage borrowers can request an additional term of up to 180 days. 
# # # More phone calls that never get answered, more emails that have an auto-reply. 

I then SELL the homes. And the loans are paid off. AFTER the sale is closed I learn that LoanCare has marked my loans as 60 days late making it impossible for me to modify any other loans. My web portal ( to login to Loancare ) is now closed. And they still don't answer the phone. 

Please help. 

XXXX XXXX
Product: Debt collection

Hello. I have never had a XXXX  phone, tablet, internet, nor cable. I have notified the Irs and the SSA that someone has been filing wages in my name all through my childhood in foster care. I even have a security code to file taxes.I have never in my life had any business with XXXX XXXX. This debt should not be on my credit. The only things i have done involving something with credit is have a medical debt ( which is being paid soon due to me never giving them my insurance member ID untill now ) and my XXXX loan from XXXX XXXXXXXX which i start paying off in XXXX. I have recently thought to build my credit because i would like to get a vehicle and finance, yet i can not even think to do so with this debt which is effecting my credit. Someone had stolen my identity and i need this taken off of my credit.
Product: Checking or savings account

On XX/XX/XXXX, I contacted Citi bank to close both my savings and checking accounts with the bank. However, I was bounced around from representative to representative over the phone and could not actually get a hold of anyone who'd be willing or able to close the accounts. I tried to follow up on XX/XX/XXXX and XX/XX/XXXX but was never successful closing the accounts.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally express my concerns regarding the actions of XXXX and Experian, which I believe are violations of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c, concerning the failure to remove discharged debt from my credit report. 

I have previously filed a complaint with your agency regarding XXXX 's reporting of my payment history. In their response, XXXX claimed that they do not report late payment history. This statement is not only misleading but also a blatant lie, as I have attached a copy of my credit report directly from the XXXX website that clearly contradicts their claim. Additionally, I am including their letter, which I believe demonstrates their deceitful practices and lack of transparency. 

Furthermore, I have filed a report with the Federal Trade Commission ( FTC ) against both XXXX and Experian for reporting fraudulent information on my credit report. My attempts to resolve this matter amicably have been unsuccessful, and I am now notifying you that this is my final attempt to rectify these issues before I proceed with legal action against both agencies. 

It is well-known that both XXXX and Experian have a troubling reputation for failing to conduct proper investigations and for violating consumer rights. Their ongoing issues, including being sued by the CFPB, only reinforce my concerns about their practices and reliability as credit reporting agencies. 

I urge the CFPB to take immediate action regarding this matter to protect my rights and ensure that XXXX and Experian comply with the law. If these issues are not resolved promptly, I will not hesitate to pursue legal action against both agencies. 

Thank you for your attention to this serious matter. I look forward to your timely response. 

Sincerely, XXXX XXXX
Product: Debt collection

ask company to provide validation that debt was mine and the stated that they do n't have to. sent a validation letter on  XXXX  and still have not heard from the company for validation. Also disputed with the credit bureau.
Product: Credit reporting

Want to check report and I tried to answer security questions but I 've never had a home loan been needing loan and now I owe money for a home loan credit cards I 've never opened. Please help I start college in a month and need a loan laptop but now I guess I want ever get to accomplish my dreams as a XXXX.
Product: Debt collection

I have repeatedly requested that CCS Collections provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.
Product: Debt collection

I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers and this has caused a big stress on my life. My most recent certified letter I sent was XX/XX/2021
Product: Debt collection

I have been attempting to try and remedy negative marks on my credit score by paying off past due debt. Last week I contacted Online Info Services regarding a {$600.00} past due XXXX XXXX XXXX from when I was laid off and ended up selling my house. I initially tried to challenge the amount because I believe it was inaccurate but at this stage I just want it off my credit report. 

When I called today to try and may payment arrangements, the first representative was nice. She told me my only option was to pay the balance in full or make 3 installment payments of {$200.00} each every two weeks. I can not afford that so I explained to her I wanted to set up bi-weekly payments of {$50.00} a week to get the bill paid in full. I also told her I have student loans I am paying on top of my regular bills and medical expenses. She placed me on hold and sent me to a manager. 

The manager was rude, belittling, and insulting. She was not concerned that the debt was incurred during a time I was laid off for more than a year. She basically said my offer to pay what I could afford was unacceptable. If I didn't pay in full, or do the three installment payments she would not accept anything. Period. 

This is a bullying tactic that should not make consumers feel less than human when they are trying to pay off what is owed. I called on my own to make arrangement. I offered to have the payments made every two weeks until paid in full but she basically said what I could afford was unacceptable and her company rejected any attempts to accept a payment from me. 

I've reached out to XXXX XXXX of Ohio to also see if they can step in but I have no other recourse but to file a complaint against them for abusive collection tactics.
Product: Debt collection

Submitted a complaint with this agency over a month ago, and the collection company agreed to remove the entry on my credit reports since they had not provided me with ANY debt validation proof or legal documentation that they could in fact collect on this alleged debt. The account was deleted for 5 days and then added back on all of my credit reports, STILL had not provided any debt validation within that time frame! They have reported this collection account not once but twice, without proper validation. This is 2 violations under the FDCPA that can and will be legally pursued unless the offending collection entry is removed immediately from all 3 of my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Rent Recovery Solution is attempting to collect on a debt not owed to a company that I do not owe. I have disputed the debt with Rent Recovery Solutions by mailing and by phone. Rent Recovery Solutions is still attempting to collect on this debt. I have made attempts to resolve starting in XX/XX/XXXX through XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I have several fraudulent inquiries that are a result of identity theft. My credit report shall be fair and accurate and this is identity theft. I do not recognize any of these companies and I demand they be deleted off my credit report immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Had a XXXX account in college, around XXXX, it went to collections on/around XXXX. I had an original debt collector reach out to me in that same time frame. It was removed from my credit report in XXXX/XXXX. Now, I see I have a collection from Convergent Resources , INC . I have reached out to the company that controls the debt, Convergent Resources, INC, regarding a ten year old cell phone debt. I disputed this account with XXXX ( Case # XXXX ) in XXXX of XXXX, and in XXXX it was Removed from my XXXX report for accuracy and statue of limitations, but still shows on my XXXX Report. I called Convergent in XXXX/XXXX to inform them of this, the gentleman I spoke to says it shows that I disputed the account but he could n't do anymore. I informed him that I had disputed with XXXX and gotten it removed, he said he annotate that in my file, but that he could not remove it from my record. I told him I would submit a complaint to the BBB if no further action was taken, but I hoped because I had it taken care of easily with XXXX that it would be a quick fix. As of XXXX XXXX, the debt still shows on my XXXX CR.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 


XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX Balance : {$1300.00} ; XXXX XXXX Balance XXXX {$3700.00}
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 these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXXXXXX Balance : {$2100.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$7600.00} ; XXXX XXXX XXXXXXXX Balance : {$210.00}
Product: Debt collection

XXXX XXXX XXXX XXXX ( XXXX ) I received communications from American Express regarding an opportunity to pay off my balance owed; however, I was unemployed and could not afford to pay the said debt. 

A few weeks later, I found gainful employment and responded to American Express, informing American Express that I wanted to take advantage of the opportunity to pay off the debt after receiving my first paycheck. 

American Express XXXX XXXX responded, informing me they had forwarded my message to the appropriate department. The subsequent email communication I received from American Express XXXX XXXX  was my account was sold to XXXX XXXX XXXX XXXX ( XXXX ). 

Mid to end of XX/XX/2021, as soon as I realized what was happening with American Express XXXX XXXX and XXXX XXXX XXXX XXXX ( XXXX ), I filed a Consumer Financial Protection Bureau ( CFPB ) Complaint. To date, Saturday, XXXX, I am still waiting to receive notice of the CFPB and American Express XXXX XXXX investigation findings. 

In the meantime, XXXX XXXX XXXX XXXX ( XXXX ) has been sending frequent emails to collect the said debt. I have not communicated with XXXX XXXX XXXX XXXX ( XXXX ) because this confusing situation requires resolution before paying anyone any amount of money.
Product: Debt collection

On XX/XX/2021 XXXX had a collection agency put a collection on my credit for a XXXX account at an address that is not mine. I found a police report several months ago with XXXX XXXX sheriffs office and provided that to XXXX XXXX XXXX global  fraud support. They claim this does not cover XXXX. When I call XXXX I get the runaround. I have tried to buy them with information and they keep trying to collect as well as the collection agency
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 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 of XXXX | XX/XX/year>. 
These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. 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 that is being 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 or other personal consumer reports

It says I was late or bankrupt but I can't find any proof of that.You know those cases, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX )? They make it pretty clear that this needs to be sorted. So, if you can't find any evidence, could you update it to " paid as agreed, never late ''? XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These items NEEDS TO BE REMOVED ASAP AND SEND ME THE MAIL WITHIN 4 BUSINESS DAYS REFLECTING THE REMOVED ITEMS