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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove them My information may have been impacted by the XXXX, XXXX and XXXX Data Breach and may have got into the hands of the wrong person Under The Doctrine of Estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists Ive asked the following questions to these companies and they have not responded with any accurate info my information was abused through the on going years and I want my life back 1. Proof that I owe this debt, including a detailed accounting of the original amount, any accrued interest, fees, and any other charges. 
2. Copies of any signed agreements or contracts pertaining to the debt. 
3. Evidence that your company has legal standing to collect this debt. 

15 U.S.C. 1681s-2 This section of the code covers the responsibilities of information providers to consumer reporting agencies. It prohibits the reporting of inaccurate information, and requires that information providers correct inaccurate information after being notified by the consumer. 

15 U.S.C. 1681i This section of the code covers the procedure for handling disputed accuracy. It requires that agencies provide consumers with a description of the process used to determine the accuracy of information, and that consumers have the right to add a statement to their file disputing the accuracy of the information. 

When a consumer disputes inaccurate information, the credit reporting company must investigate the information, and stop reporting it if it can not be verified. The company must also provide a notice to the consumer, and give them the option to add a statement to their file. 

Its unbelievable that neither the credit bureaus nor the companies involved can recognize this as fraudulent. Why would I open three credit accounts and go delinquent on all of them? If these accounts are old, its illegal for any company to change the original open date to a recent year just to reset the seven-year period for negative items to remain on my credit report under Ohio law . That, in itself, is fraud.
Product: Credit reporting or other personal consumer reports

My name has been used to obtain fraudulent accounts I did not apply for. XXXX XXXX  has been an identity theft account that needs to be removed from my consumer report. 
Account ( XXXX ) Account ( XXXX ) I want a copy of my alleged contract with this company my signature and Id that they obtained to grant credit.
Product: Debt collection

Hi, I was a XXXX internet user, my account number was XXXX. 
I decided to discontinue the service from XX/XX/2020. I paid off all remaining balance and dropped off my equipment physically to a XXXX location. I was told by the representative that I was good to go. And I was not given any receipt, I trusted the person and left the store without any written documents that they received my equipment. 
Despite returning the equipment I received a new statement on XX/XX/2020 from XXXX saying I owe them {$59.00} for unreturned equipment. I called their customer service ( Do not recall the date ) and they confirmed I owe them nothing and the statement was sent out as a mistake. I was told everything has been taken care of. 

However, surprisingly I received a letter dated XX/XX/2020 from a collection agency named MRS Associates that I owe XXXX {$59.00}. 

I called the XXXX  to file a dispute and to resolve the issue, but the representative could not help me. In these circumstances, I made a payment of {$59.00} to XXXX   over Phone using my credit card. 

How can I resolve this matter without hurting my credit score? And steps can a consumer take to avoid such harassment? 
I would like to file a formal complaint of negligence against XXXX. 


Sincerely, XXXX XXXX
Product: Mortgage

Bank of America has been requesting that we re-sign and re-notarize our mortgage documents because they detected formatting errors in the original documents that are preventing them from filing our agreement with the XXXX XXXX Court. 
Bank of America hired a third party agency to contact us and arrange to have their notary public come to our home to have a new set of revised mortgage documents signed and notarized. We requested that Bank of America send us a copy of XXXX our originally signed documents and a copy of the revised documents, highlighting the formatting errors that they mean to correct. We have made this formal request to them three times. 
The first time they requested this action was in XXXX 2015. At that time, we let the third party know that we wanted to know exactly what formatting errors are questionable to the court. The third party is not privy to that information and connected us with Bank of America to have our questions answered. We told Bank of America that we are not signing any new documents until they show us the specific, highlighted errors that they are revising. Bank of America said they would get back to us with that information. 
Instead, in XXXX 2015, we received a second set of documents with the identical request for signature and notarization to be arranged by a third party agency. Again, we told the third party agency that we only want to know the exact changes to be made to our mortgage documents before we sign anything. The third party agency began a series of harassing phone calls to schedule the notary public to meet us at our home. We asked them to discontinue this protocol until our questions to Bank of America are answered. 
In XXXX 2015, we received a third identical copy of the request to sign and notarize newly revised documents and the process with the third party agency began anew. We let the third party agency know that we were still awaiting Bank of America 's response to our question. 
Then, XX/XX/XXXX, a notary public randomly showed up at our residence and said they were sent by Bank of America to witness us sign a new set of revised mortgage documents. No one called to schedule this visit and we let the notary public know the history of what had transpired thus far and that we would not sign anything until Bank of America gave us a highlighted version of the documents to make clear what the formatting errors are and what would be revised in the new documents. 
We believe that Bank of America is trying to do something underhanded with regard to our mortgage. We understand that we agreed to assist in correcting any possible errors. However, we did not agree to sign new papers without knowledge of what specific mistakes were made and how the corrections impact our mortgage. 
Please have someone from your office contact me, or my husband, XXXX XXXX, XXXX, to discuss any possible recourse we might have and what our rights are under the law. 
Thank you very much.
Product: Debt collection

My understanding is that XXXX XXXX has assigned a debt to XXXX XXXX XXXX   for collection and based on my research the balance is now {$100.00}. I became aware of the debt based on alerts from XXXX  and XXXX and other than that have no information on the proposed debt. I received no information on any balance from XXXX XXXX and also have received no information on a balance from the collector.
Product: Debt collection

I sent a cease and desist order to XXXX XXXX XXXX along with a debt validation request. On XX/XX/21 I was sent the attached files claiming they do not fall under XXXX. they failed to send all documentation. today on XX/XX/21 they violated more rights - XXXX  by contacting a relative in reference to account I requested validation for along with XXXX  failure to cease communication, and calling from " XXXX '' which falls under XXXX XXXX XXXX  as a way to mislead and violate my consumer rights XXXX.
Product: Mortgage

I applied for a refinance over 2 months ago and am still do n't know the status from Citibank and they tell you to go online and check status but they do n't update the status My number is XXXX
Product: Checking or savings account

On XX/XX/year>, the Executor/TTEE, of estate held in a living trust, deposited treasury check funds into a regular checking account as the trust establish the funds to be deposited in a non interest bearing account. The check went through a verification process as per the banks policy, the check was verified, the funds were cleared, and the check was also withdrawn on. Five ( 5 ) days later the PNC Branch ( the only branch located XXXX XXXX, SC ) placed a hold on the funds. After which, they sent two conflicting letters, one which stated a five ( 5 ) day hold and the other a ten ( 10 ) hold, from the date of deposit, which was XXXX XX/XX/year>. Those days have been exceeded and to which the bank is still withholding and acting in dishonor for a check already withdrawn upon and known to carry a low risk. The bank has also exceeded their authority by not adhering to the request being made to transfer the remaining assets into a trust account to fix the account type issue, to which the banks representative ( Branch Manager : XXXX XXXX, and the Escalation Department Executive : XXXX XXXX ) have express that, " account type '', is the issue. There is no legal justification for withholding funds that the, Trust, is in charge of. The bank has gone beyond regulation and compliance authority. I am now requesting that the CFPB and any other authority become involved to ensure the release of the funds as its now been Thirteen ( 13 ) plus days of PNC Bank, withholding funds without a legal cause to do so ; despite receiving notarized trust documents, to fix the account type issue. They are also ignoring the request made transfer the assets into a trust account that the trust controls, and to which the estate is in. Again, PNC Bank, has been informed that the estate is living in trust, and that their are no probate or death certificate documents to be given. This situation is causing undue stress, hardship, inconvenience, hinderance, and unnecessary delays in ensuring those that benefit from the estate living in trust having what they need.
Product: Payday loan, title loan, personal loan, or advance loan

I received a email stating that there was a hard pull on my credit score. 
It showed one main financial but I never inquired into a loan recently. I had used their service months ago in which there was a soft pull. But there was another hard pool today XX/XX/2023 This was not done by me. 
I called and they said they cant do anything about it.
Product: Debt collection

I was not giving any proof of this debt .i ask for copy of any identification used for this account. Wasnt provided..
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 the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX, XXXX XXXX, ORIGINAL CREDITOR XXXX, XXXX 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 suppose 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. I have evidence to prove my case
Product: Credit reporting or other personal consumer reports

Dear CFPB Representative, I am writing to formally lodge a complaint against XXXX XXXXXXXX Account XXXX regarding the account referenced above. I believe that XXXX XXXX has engaged in improper and potentially illegal practices related to the reporting of this account, which have adversely affected my consumer rights and financial standing. 

Violation of 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) : Under 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), certain types of information are excluded from the definition of a consumer report. The law states : " ( d ) Consumer report ( 2 ) Exclusions Except as provided in paragraph ( 3 ), the term 'consumer report ' does not include ( A ) subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. '' I believe that XXXX XXXXXXXX has failed to adhere to this provision by improperly reporting information related to my account. Specifically, the information being reported does not meet the exclusion criteria. 

Violation of 15 USC 1666b ( a ) : Furthermore, under 15 USC 1666b ( a ), the law states : " Time to make payments ( a ) A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. '' I believe thaXXXX XXXX XXXXXXXX has also failed to comply with this provision. They have improperly treated my payments as late, which is in violation of 15 USC 1666b ( a ), and have reported these late payments to consumer reporting agencies, causing undue harm to my credit score and financial standing. XXXXRequest for Documentation : I am requesting that XXXX XXXXXXXX provide clear documentation and evidence that the information being reported on my credit report complies with the requirements of 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) and that they have not treated my payments as late in violation of 15 USC 1666b ( a ). Without this evidence, the reporting of this account is unlawful and damaging to my credit score and overall financial health.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been calling Equifax and XXXX to remove or at least update my XXXX  XXXX University Personal Loan item from my Account. 

The account was paid in full XX/XX/2013, however my credit reports now says that the item is over 120 days unpaid which is not true. I am submitting an authorized letter from XXXX  XXXX University stating that the account was paid in full XX/XX/2013. 

Please have this updated to the correct status or remove it completely because it is full of inaccurate information.
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following account has been paid but Transunion has been reported as follows : XXXX XXXX XXXX XXXX XXXX $ XXXX OPENED ONXXXXREPORTED AS CHARGE OFF UNPAID.XXXX XXXX XXXX $ XXXXACCOUNT OPENED ONXXXXREPORTED AS COLLECTION UNPAID.XXXXACCOUNT XXXX OPENED ONXXXXREPORTED AS CHARGE OFF UNPAID.XXXX  XXXX XXXX XXXX NUMBERXXXXBALANCE $ XXXXACCOUNT OPENED XXXX AS CHARGE OFF UNPAID.XXXX XXXX XXXXACCOUNT NUMBERXXXXBALANCE $ XXXX OPENED XXXX AS CHARGE OFF XXXX XXXX NUMBERXXXXBALANCE XXXX XXXXACCOUNT OPENED XXXX AS COLLECTION UNPAID.XXXX XXXX XXXX XXXX $ XXXX OPENED XXXX AS COLLECTION UNPAID.XXXX XXXX XXXX XXXX XXXX $ XXXX OPENED XXXX AS COLLECTION UNPAID. ( Original Creditor : XXXX XXXX XXXX XXXX ) ACCOUNT XXXX $ XXXX OPENED XXXX AS COLLECTION UNPAID.XXXXACCOUNT XXXX $ XXXX OPENED XXXX AS CHARGE OFF XXXX XXXX XXXX $ XXXX OPENED XXXX AS CHARGE OFF UNPAID.XXXX XXXX XXXXXXXX XXXX $ XXXX OPENED XXXX AS CHARGE OFF UNPAID.XXXXACCOUNT XXXXBALANCE -ACCOUNT OPENED XXXX AS CHARGE OFF UNPAID.XXXXACCOUNT XXXX OPENED XXXX AS CHARGE OFF UNPAID.XXXXACCOUNT XXXX OPENED XXXX AS CHARGE OFF UNPAID.XXXX XXXX XXXXACCOUNT XXXX-ACCOUNT OPENED XXXX AS CHARGE OFF UNPAID.XXXXACCOUNT XXXXBALANCE-ACCOUNT OPENED XXXX AS CHARGE OFF UNPAID.XXXXACCOUNT XXXX-ACCOUNT OPENED XXXX AS CHARGE OFF UNPAID. 


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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I was notified by XXXX this morning that I had a new collection on my account. I did not recognize this debt or the biller. It was listed as a debt I originally owed to XXXX XXXX XXXX, and the collectoin agency is COMMONWEALTH FINANCIAL SYSTEMS. I called commonwealth and tried to gather information about my debt however they would not tell me anything or any information at all without me telling them my social security number. They never not once asked me for my date of birth. I reluctantly did so and proceeded to hear things that made me very angry. They stated that the debt was for my son when i rushed him to the emergency room in XX/XX/XXXX. I DONT HAVE A SON. They never gave me the exact date of the debt but they stated it was in the amount of XXXX . They also said my birthdate was XX/XX/XXXX. For the record I am XXXX years old. I then told them that this was a false debt and I am not paying it. It does not belong to me and I need them to take it off of my report. I also asked them to show me proof of this debt. They told me the only thing I can do is call the original collector and have them remove it. I reluctantly did so. When I called XXXX XXXX XXXX billing department, they did not have any debt for XXXX $ on record. Again, Commonwealth stated that this debt was for my son whom I was financially responsible for. I am furious at this company and have read many reviews online with people who suffered similar issues with this company. I would like them to be held accountable for these fraudulent debts and this to be removed from my credit history.
Product: Credit reporting or other personal consumer reports

15 USC 1681 ( a ) Radius Global Solutions LLC are in violation of my right to privacy any information you want to be private that's posted on your consumer report is a violation. Infringed upon my right of privacy as of XXXX Balance {$470.00} 15 usc 1692d 15 usc 1692 ( b ) 15 usc 1692c ( c ) 15 isc 1692g ( b ) Third party debt collector bought an alleged debt. This is identity theft. Unauthorized and unverified without my consent
Product: Checking or savings account

On XX/XX/year> ive noticed that my Ally bank online bank account ( XXXX ) is locked, and Ally support number to call was provided by email, i've called them immediately, they told me that my account is locked without any explanation and reason. So i've called back second time XXXX hrs on hold, they told me that my account on hold and reason that friend of mine- XXXX XXXX XXXX was filled charge back of XXXX zelle transaction that he was sent on XX/XX/year> thats impossible because XXXX. Ive talked to him and he assured me that he was not charged back any of his XXXX- on XX/XX/year> XXXX. He was sent me XXXX in different Zelles. And hes ready to provide any evidence as needed. Still dont have access for both of my checking and savings accounts at Ally bank. Calls to support not solving the issue and not giving me any information that how I can provide my evidence with XXXX XXXX XXXX. Please let me know if any more information is needed to solve this issue. Thank you!
Product: Debt collection

1. I dispute d an amount of {$310.00} last year and was told it would be refunded to my account because I never received the item and it never was.      2. Here lies th e issue and below are the refunds that should be on my account because customer service screwed up my acc ount : Paypal   XXXX  refund should be account of {$91.00} interest reversed {$35.00} late fee reve rsed Total : {$120.00} reve rsed off acct PayPal  XXXX  refund should be {$100.00} interest reversed {$35.00} late fee  reversed Total :  {$130.00} reversed off acct  XXXX  refund should be {$100.00} reversed {$35.00} reversed  Total : {$130.00} reversed off account Total refund amount {$450.00} that should be applied to m y account, this is what customer service promised me and it was not done.        3. They have  been taking duplicate payments from  my PayPal credit a ccount and my bank account. This has happen numerous times. I am owed over {$5000.00} from this company
Product: Consumer Loan

Constant phone calls to unauthorized members of my family. They are leaving voicemails on their answer machines when I have reported them multiple times and have asked them to please stop. They refused to listen.
Product: Debt collection

. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to have only accurate and verifiable information reported on my credit file this company is inaccurately reporting information on my report.
Product: Debt collection

I do not owe this creditor the balance being stated. This is a closed reconciled account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I checked my XXXX  credit report and found a credit card had been opened in my name. The Company which issued the card is XXXX XXXX XXXX a {$750.00} balance. The account was opened on XX/XX/22 and a wire transfer was done for {$750.00} on XX/XX/22. I did not open this account and have no idea who the card issuer is or where they do business. I contacted the company and had the account closed and asked for it to be removed from my credit report. they are " investigating '' it. I recently found it on my XXXX report as well. I have contacted both credit agency and informed them of the inaccurate information. After XXXX  days I received a email from XXXX  stating that they investigated and found the information was correct. That's not possible because I never opened the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company is completely ignoring the fact that this account was the result of identity theft and according to 15 U.S. Code 1681c2 - Block of information resulting from identity theft part ( a ) the company has failed to block this item resulting from the identity theft after notifying them of the fraud. They were provided with police reports and FTC reports, as well as a notarized identity theft affidavit. I have uploaded proof and documents of every document for the CFPB and TransUnion. 

The fraudulent account is : XXXX XXXX XXXXXXXX