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

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under my name. These items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be a claim that constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute IsFrivolous or irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination.

Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent noncompliance [ 15U.S.C. 1681o ] a person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I opened an account with Citibank. I had to keep the amount for three months. I had to deposit XXXX into the account. I had to keep that amount in the account for three months. At, the end of the three months I should've received XXXX cash bonus. I opened the account in XX/XX/2020. Should've received my deposit in XXXX. I called Citibank over 5 times. They are telling me that the account that I opened doesn't have the correct code.
Product: Debt collection

XXXX XXXX XXXX SS #, XXXX This CFPB complaint has been filed to request pursuant to FCRA 6058 ( 15 U.S.C. 1681c-2 ) that you, the XXXX XXXX XXXX and Equifax credit XXXX XXXX XXXX I request that you ( CFPB ) 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. 



In accordance with the Fair Credit Reporting act Progressive Account # XXXX, Date opened XXXX XXXX, Credit XXXX Account # XXXX Date opened XX/XX/XXXX, XXXX credit card Account # XXXX Date opened XX/XX/XXXX, XXXX credit cards from First progress Account # XXXX Date opened XX/XX/XXXX, auto loan from XXXX XXXX account number # XXXX, receivable management account # XXXX opened XX/XX/XXXX, hard inquiry XXXX XXXX cred on XXXX, hard inquiry revvi/mrvbanks/vt on XXXX, hard inquiry Continental finance/ce on XXXX XXXX hard inquiry capital XXXX bank on XXXX XXXX. All the accounts above have 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

When I checked my credit report this evening, I was stunned to see inaccurate accounts listed, and I have no idea why. Its a routine check for me, but this time, errors appeared from nowhere. I even refreshed the page, hoping it was a mistake, but the accounts remained. I am requesting that my submitted documents be thoroughly reviewed so I can finally have peace of mind.
Product: Credit reporting or other personal consumer reports

The account with XXXX has been closed - paid in full since XX/XX/2023. For the last 10 months I have been trying to have this corrected with no success. I have made report disputes with all three credit bureaus ( Experian, XXXX, XXXX ), disputes with XXXX, and U.S. Department of Education office of Federal Student Aid ( reference # XXXX ). All three credit bureaus reported they verified with XXXX and it was reported the report on the credit file is accurate. The account with XXXX has been paid in full since XX/XX/2023. There has been no action taken with any of the parties involved. The reports being disputed are the following : 1. {$47000.00} 2. {$82000.00} Totaling {$120000.00} - which has been paid in full. 

I am requesting assistance to have these two reports corrected to reflect paid in full with a {$0.00} balance.
Product: Credit reporting or other personal consumer reports

Recently i looked at a copy of my credit report and noticed several inaccuracies in my account .this accounts is hurting my ability to obtain credit.it is my understanding that you will investigate these items for me lo ensure accuracy. 
here is the item i am asking you to verify as accurate : XXXX : ( XXXX XXXX ) ( XXXX ) Equifax : ( XXXX XXXX ) ( XXXX ) XXXX : ( XXXX XXXX ) ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been talking to Transunion for 2 weeks now about my credit file being suppressed and its holding me back from starting my job that I desperately need. They refuse to tell you anything over the phone. Ive sent in proof of my identity with a cover letter like they asked for, and still nothing. I never asked for my report to be suppressed and it should be a simple matter of handling this over the phone.

Worst experience dealing with a company that Ive had so far. 
Also when you call in, each employee tells you something different.
Product: Credit reporting or other personal consumer reports

The company XXXX XXXX XXXX XXXX XXXX as they have been sued for fraudulently reporting consumers information. They have reported that I owe a debt for income they have received on an auto loan and also I am aware that the incorrect reporting breach from XXXX and XXXX has negatively affected my reports. 
I have asked for the 1099 C showing they have received the income for this " debt '' and have not been provided the correct information. 
According to FTC income should not be reported on my credit report. I am writing you to see to it that the proper measures be taken in order to remove this inaccurate information from my report. 
I am filing this complaint against XXXX XXXX XXXX XXXX for improperly reporting income from a charge-off on my credit report, which may violate federal law, including the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX, and XXXXnternal Revenue Code ( IRC ) provisions regarding debt cancellation. 

III. Nature of the Issue XXXX XXXX XXXX XXXX has reported a charge-off on my credit report. However, they have also improperly reported this charge-off as income, which inaccurately inflates my taxable earnings and negatively impacts my creditworthiness. 
Under XXXX U.S.C. XXXX ( a ), furnishers of credit information have a duty to report accurate information to consumer reporting agencies. By mischaracterizing a charge-off as income, the creditor has provided false and misleading data. 
A charge-off is an accounting designation for a delinquent debt but does not constitute taxable income unless the debt is legally forgiven and a Form 1099-C is issued under XXXX U.S.C. XXXX. I have not received a valid cancellation of debt notification, meaning this reporting is both incorrect and damaging. 
This misreporting has caused harm, including potential IRS implications and an unjust impact on my credit score.

Additionally, the Consumer Financial Protection Bureau ( CFPB ) has previously taken enforcement action against XXXX XXXXXXXX for similar practices, holding that such misreporting is a violation of consumer protection laws. This case sets a precedent that creditors can not unlawfully report charge-offs as income to mislead credit reporting agencies.
Product: Checking or savings account

XXXX XXXX XXXX To whom it may concern : " XXXX XXXX XXXX helped me with fund-raising campaign to gather funds for my medical expenses. Upon completion of the fund-raising round, a check for {$4800.00} was sent to me. 
The custodian for the funds raised was supposed to be XXXX XXXX. Given that I am an ultimate beneficiary of the funds raised, by error, the check was written to my name instead of XXXX XXXX. 
On XXXX XXXX, XXXX, I and XXXX XXXX went into the XXXX XXXX branch ( XXXX XXXX XXXX, XXXX, OH, XXXX ) of JP Morgan Chase bank to deposit the check. This branch happens to be the branch, where my account was opened and I conduct banking. Having presented the situation to the branch associates, we got a go ahead to " double endorse '' the check in question and to have it deposited to XXXX XXXX 's account in JP Morgan Chase. We proceeded and deposited the check right there and then. The check got successfully cleared on XXXX XXXX, XXXX. However, afterwards, the Chase Bank put account under the review, subsequently froze the account and eventually closed it about a week later. 
Upon account closure, XXXX XXXX received a " closure correspondence '' from the Chase Bank, refunding him all the money contained in the account short of the amount of " my check '' deposited on XXXX XXXX, XXXX. 
Ever since, multiple attempts have been made by phone to the " back office '' and in person at the local branch to try to receive the funds or at least to find out the whereabouts of it. Over the past 7 weeks, various demands have been made by the bank as necessary conditions for funds release and all have been satisfied. Each time demands were met, we were about to learn that what was done was not so crucial or critical, and there was yet another demand we were not told about, that we were supposed to fulfill. 
I, XXXX XXXX, different officers from the charity " XXXX '' diligently tried and succeeded meeting and exceeding every request and demand placed upon us. Yet, after 7 weeks of efforts and attempts, the Bank still retains the funds, refusing to release it or to reverse original transaction and declines to provide any formal response as to what happened to the funds, its location, the reason for retaining it and timeline for its release. 
It appears to be a plain larceny on the part of the bank and has been causing tremendous waste of time and resources on behalf of multiple parties as well as delay in vital medical care to which end the funds have been raised. 
I implore the Office of Comptroller of the Currency to look into the matter and bring the speedy resolution of the issue, granting us the access to the much needed funds. 

Thank you! 

Sincerely, XXXX
Product: Mortgage

I am the administrator of my late sister 's estate. My sister died in XX/XX/XXXX. Eight months elapsed from the date of her death until my petition for probate was granted by the XXXX XXXX XXXX XXXX XXXX, CA. I did not receive my letters of administration for another month. During that time, 10 monthly mortgage payments were missed, and my sister 's home went into foreclosure. On XXXX XX/XX/XXXX, I received a reinstatement calculation from the mortgage / lien holder, Bank of America, for the amount, {$12000.00}, which was wired to Bank of America the same day. Since that date, Bank of America has failed to apply the funds toward reinstating the mortgage though they acknowledge the money was received.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The XXXX, XXXX and TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the account completely from my Credit Reports : XXXX XXXX XXXX XXXX Balance Owed : {$810.00}
Product: Debt collection

The company is XXXX and whenever I am late on my payment they will call me 7 or more times a day from the same or different phone numbers. On XX/XX/3018 they called me 10 times from XXXX. Ive tried blocking their phone number but they then call from a phone number that is 1 digit different and resume the harassment. I have about 20-30 different phone numbers of theirs currently blocked.
Product: Debt collection

This company XXXX XXXX is under investigation now because of false evictions. Account was dismissed by the court and the amount owed is incorrect anyways.
Product: Debt collection

Midland funding has been harassing me for years on a debt that they keep chasing me about in the amount of almost XXXX dollars. I thought I had owed some money through a pay pal account that I had but never in that amount at all. I have had to change jobs because they have contacted my employer and HR department embarrassing me at the work place. They kept harassing me and had a marshal serve papers to my employer and garnish wages of 10 % of my earnings. I live check to check and can not afford to keep going through this. It ' is a shame that they would Bullie me in to paying such a debt that in that amount that I do not owe! They keep harassing me for years. I do not owe that much money also including the amounts they have taken from me in this amount of time. The amount never seems to go down and they are ruining my credit score tremendously. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus never did a proper " investigation '' according to the FCRA. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They did not do this. 
Also, they have violated my rights even more, in accordance with the Fair Credit Reporting, everything has to be 100 % accurate on my credit report. 

The Credit Bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the address is inaccurate the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal, They also violated the law because according to, 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 furnish a account without my written instructions.

I did not give anybody written instructions for these transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Numerous account inquiries and account review inquiries that I dont recognize and didnt authorize
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS requests that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Student loan

I requested a refund for student loan payments made during the COVID pandemic. Per CARES ACT law, they should be eligible for refund. I was told that the refund I requested may not be processed, and if it is, it could take 150 business days! This is unacceptable considering the fact that other servicers are providing refunds within a couple of weeks.
Product: Debt collection

Had multiple issues with XXXX, cellular service, and being overcharged monthly on my bill after a year of complaining and having to constantly review the statement and balance, I changed carriers to XXXX XXXX XXXX and paid off every outstanding balance with XXXX. They processed the final bill of {$160.00}. I called sprint immediately and disputed it. They told me it was an error on their behalf and they would take care of it. I was a sprint customer for over 12 years and never paid a bill late or had a balance, XXXX was sold to XXXX after the sale went through I received a bill again of {$160.00} which I disputed immediately. This has been going on for over XXXX years now Jefferson capital systems has put this into collections on my credit report. I would like full documentation of the final bill With all credits and the outstanding balance that is owed.
Product: Credit reporting or other personal consumer reports

This is my several endeavors 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX  XXXX, NY XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NY XXXXXXXX XXXX XXXXXXXX Balance : {$1400.00} XXXX XXXX Balance : {$0.00} XXXX & XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My loans ( XXXX & XXXX ) were originally with XXXX XXXX XXXX XXXX XXXX until they went under and were sold to Franklin Credit Management Corporation who is the servicer for XXXX XXXX, XXXX. I fell behind on my payments on my second mortgage and applied for a loan modification and sent in my documents. I received notification from XXXX XXXX XXXX that I was going into foreclosure and the Trustee was The XXXX Firm. After researching I located the Substitution of Trustee which was dated XXXX/XXXX/2015, however, this document was not recorded until XXXX XXXX, 2015, Three months later, additionally, there was no evidence that notice of the substitution was sent to me as required by law. The Notice of Default stated as of XXXX/XXXX/2015 I owed {$75000.00}, the Notice of Default was recorded on XXXX/XXXX/2015. I am questioning the validity of the Notice of Default, also, who was my previous trustee prior to the XXXX Firm, since the loan was transferred a couple of times.
Product: Checking or savings account

I opened a savings account with PNC in the 1st quarter of 2020. For some reason, they have been withholding interest. Over many months, I have attempted to remedy this issue, but PNC has been very unresponsive. They are unavailable by chat or their message center, so it has been necessary to call, which I have done several times. There is absolutely no one available who can tell me what is necessary to remedy this situation - I do not want to withhold interest on my savings account, there is no reason to withhold interest on this account. I attempted to accelerate the problem to the next level and that resulted in no additional assistance. All I want is to stop interest being withheld from my savings account. There is no reason that something this minor should take almost a year to resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SENT LETTERS AND CALLED TRANSUNION, XXXX AND XXXX TO REMOVE ALL ADDRESSES IT HAS BEEN OVER 60 DAYS AND THEY JUST KEEP SENDING ME CREDIT REPORTS. I NEED THEM TO REMOVE THE OLD ADDRESSES.
Product: Credit card

Someone opened an account with Wayfair in my name back in XXXX XXXX XXXX and charged {$2400.00} worth of merchandise on it and now Wayfair keeps sending me bills in the mail. XX/XX/XXXX I sent them the police report and the form letter from XXXX via certified mail and I have the receipt. This is now considered harassment and my next step is to contact a lawyer.
Product: Checking or savings account

I have previously filed a complaint with the CFPB, XXXX # XXXX. I am submitting a new complaint as Citi has deviated from the steps they alleged they would take in response to this complaint. 
My father passed away on XX/XX/2022. I informed Citi of his passing by telephone on XX/XX/2022. Citi alleged they would contact me for further steps, but never did. I contacted Citi again and they requested a fax including a death certificate, living trust documents, and a letter of intent. I faxed all of the above to Citi on XX/XX/2022 and confirmed receipt on my end. 
Citi responded to my previous complaint alleging that they would close the account. In Citis response to my previous complaint they alleged that they had received the required documentation. When Citi finally contacted me a month later, Citi alleged that I had not sent the required documentation even though I had sent the documentation they asked for twice. 
Citi asked for new documentation they had not previously asked for including Letters Testamentary or a Small Estate Affidavit. Citi claimed they would not even discuss the account with me until I sent this. This contradicts their response to me previous claim in which they alleged that they had received the required documentation. 
Since then, I have filed a Small Estate Affidavit with the XXXX XXXX XXXX XXXX. I have faxed a certified copy to Citi as requested. However, the account is still open. Citi is still refusing to close the account or discuss the account with me, despite a legal obligation in the state of Oregon certified by the XXXX XXXX XXXX Oregon.