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

This is my 2nd request 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 accounts 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 accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. 

Account name : XXXX Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX  XXXX Account # 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 a account without my written instructions 1
5 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 XXXX 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.
Product: Bank account or service

ON XXXX there was a charge on my account that was not authorized. I attempted to dispute the charge online on the bank site and it would not allow me so I had to call a customer service representative. The XXXX walked me through filing the dispute however, they never told me they were cancelling my bank card and specifically told me to answer NO to the question online through the dispute process. On XXXX I attempted to make a deposit to cover expenses and the card would not allow me to make the deposit through the ATM at the local branch. I called and at no time did they ever inform me that the card was no longer valid. They went ahead and paid XXXX charges which caused the account to become overdrawn. I called again and was told that I should be receiving a card in 3 days. A new card never arrived so I called again. This is now towards the end of XXXX. I finally received a replacement card on XXXX. When I logged in, I discovered that PNC was charging me almost {$200.00} in fees for the overdrawn items which totalled around {$400.00}. I have repeatedly contacted the bank to remove those excessive fees and they refuse to acknowledge any error. I ultimately submitted to the bank that until they correct the error I will not be making a deposit to cover what should be {$470.00}, which is the total of the overdrawn amounts plus {$72.00} in overdraft fees. The charges were less than {$400.00} originally and they are trying to rob me by charging a 50 % fee. This is usurious, fraudulent and I will not pay them another cent until they resolve the problem and acknowledge the poor customer service who never told me they cancelled the card. I work during normal banking hours and can not leave work to visit the branch in person. The ATM card was the only way I could make a deposit. I want the fees removed and I am willing to pay only once for each overdraft item. I no longer use PNC but they continue to harass me for the same after I have repeatedly tol them I will not deposit until they correct the problem. The are now not answering my request and only continue to harass me at work when I have clearly told them not to contact me during my working hours.
Product: Credit reporting or other personal consumer reports

I need to inform you I was the victim of identity theft. I'm disputing the accounts as it was opened without my knowledge, consent or authority. I contacted the company and they said to file the FTC affidavit from the site identitytheft.gov. 

Please dispute the accounts. It was opened without my knowledge, authority or consent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon application for a home loan, my bank informed me that TransUnion listed me as XXXX and could not approve my home loan. The XXXX and XXXX credit reports are correct, but I am listed on the TransUnion credit report as XXXX. TransUnion has merged my XXXX  father 's information ( XXXX date : XX/XX/1982 ) with my personal information on my TransUnion credit report and it needs to be deleted so that it reflects that I am alive.
Product: Debt collection

I have been dealing with XXXX XXXX regarding their tactics for too long. Now they are harassing people I have n't spoken with in a decade. I contacted XXXX XXXX and spoke with reps on more than XXXX occasion and they refuse to delete the false degretory remarks on my credit reports. Yet, they want me to pay. They are contacting my family, friends, employers and trying to embarrass me in an effort to pressure me to accept the unfair offer they make which does n't include deleting their tradeline from my credit reports and removing it from it 's history. It should not have been on there so many times in the first place.
Product: Checking or savings account

The reason for this email is that SoFi closed my account under false pretense. They said it was because of unusual activity when actually they closed my account because I filed a dispute then they told me that I went against the policy please tell me where it is against the law to file a dispute? This is the account I received my social security XXXX money on so why would I do anything wrong against this account? I dont understand now I have to wait pass the third of the month to receive my benefits this is very unfair to me and my child and I want to know what I can do about it I want to press charges or file a lawsuit against this place for negligence because they dont care about me or my rights I am a mother and I have to take care of my child I cant do it because somebody looked at my account and said I violated a rule and when I asked for my account numbers so I can change direct deposit they refused me. This is unfair to me and something needs to be done about it.
Product: Credit reporting or other personal consumer reports

Equifax has a bankruptcy report attached to my credit history. They gave court phone # to call. I called and found out that there is another person with the same last 4 digits of my social security number with a different last name. I called Equifax and they said they would investigate. Upon investigating they insist they have the correct info. They gave another number to call XXXX XXXX ( XXXX ) and they confirmed that I do not have any bankruptcy court. They confirmed Equifax is using the wrong info. I am in the process to buy a home and I need a resolution as soon as possible. I am at risk to lose my mortgage
Product: Money transfer, virtual currency, or money service

Someone has obtained access to all of my checking accounts and have wired money via XOOM. Someone also made a payment to XXXX  credit card. It looks like they used my XXXX account to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reference Complaint # XXXX, submitted XX/XX/2018 Equifax did not resolve either of the issues that I complained about, i.e. being unable to receive annual credit report on-line, or being unable to freeze credit on line, for both myself and my wife. Responding to my earlier complaint, the company sent a hard copy of my credit report through un-secured US Mail ( standard postage, not certified ), which I did not request, and which could have compromised my identity if the mail was lost or stolen. They did not answer my questions about why I am unable to receive credit reports for myself and my wife on-line, or why we are both unable to freeze our credit report on-line. Today my wife was unable to get her credit report on-line. The problems I complain about still persist. 

I should not be required to waste my time calling Equifax again, as I had done that initially and received no meaningful response, despite speaking to supervisory personnel as well as the customer service rep who answered the phone. This is a job for the CFPB, to investigate this matter and the non-responses that Equifax continues to give. 

I request that this complaint be resubmitted and considered not resolved, as the company did not respond and fix the problem, and that I receive answers to the above questions as to why a consumer can not do business through a secure on-line website with Equifax. I DO NOT WANT A HARD COPY OF A CREDIT SCORE BY US MAIL. Please tell them not to bother. 

I will keep complaining until I get answers. If it is possible, I would like to escalate this complaint, and that I also receive a response from the CFPB as to what the CFPB intends to do about Equifax being allowed to treat their " customers '' so badly. 

I await a response. 

Sincerely, Complainant per the complaint # listed above
Product: Credit reporting or other personal consumer reports

I Dont recognize this hard inquiries XXXX XXXX XXXX - XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I AM A VICITM OF IDENTITY THEFT DUE TO MY PERSONAL INFORMATION BEING INVOLVED IN THE DATA BREACH. THIS HAS BEEN ONGOING. I CHECKED MY CREDIT REPORT AND NOTICED CREDIT INQUIRIES THAT I HAVE NOT AUTHORIZED. I CALLED EACH BUREAU AND WAS TOLD TO FOLLOW UP VIA MAIL. I HAVE SENT EACH LETTER CERTIFIED MAIL AND THE INQUIRIES ARE STILL SHOWING ON MY CREDIT REPORT. 

REPORTING THIS INFORMATION DUE TO IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681C-2, ALSO I HAVE NOT GIVEN ANY PERMISSION FOR THIS INFORMATION TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681.
Product: Credit reporting

While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX XXXX XXXX on or about XX/XX/XXXX on Experian. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.
Product: Credit reporting, credit repair services, or other personal consumer reports

i reached out to equifax and XXXX  regarding an extended fruad alert that was appearing on my credit file that i did not request and that was ultimately placed on my file without my permission, each consumer reporting company told me they had trouble verifying me and to sumit a dispute and attach documents however i submitted this dispute asking this information / alert to be removed from my credit file equifax and XXXX have faailed to remove this information or answer my dispute in a timely fashion or comply with the fair credit reporting act 16 usc 168i iam asking that this information / alert be removed from both my equifax and XXXX credit file as its hendering me from obtaining credit additionaly equifax has failed to allow me to access my report iam asking that my report be made available to me as required by law
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, Equifax, and XXXX are reporting information on my consumer report that is not only inaccurate, but I never gave permissible purpose to do so. They are violating my federally protected consumer rights and making it difficult to extend credit.
Product: Credit reporting

Says I lived in XXXX. I 've Never in my life lived there. I 'm born, raised, and still a XXXX female. 
Please remove that XXXX address. 
Thank you.
Product: Payday loan, title loan, personal loan, or advance loan

I went to get a loan. I didnt know they kept the physical title. When I went home and checked. I didnt have it. They didnt make that clear. It was done at LoanMax XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX - XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this request for a reinvestigation of the disputed accounts, which you claimed were verified. Since I believed you didnt properly investigate my dispute, I contact the data furnisher on the previous month via certified mail. They were responding proving to me that I was correct. Your records show that it was incorrect. Since your investigation was done improperly, I need you to update/correct the following accounts from my file. 
XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$1300.00}, XXXX XXXX XXXX XXXX Balance : {$40000.00}, XXXX XXXX XXXX XXXX Balance : {$4800.00}, XXXX XXXX XXXX XXXX Balance : - {$0.00}
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report. To my XXXX, you are reporting this account incorrectly. This collection account is reporting not only as XXXX, but also shows a past due balance of {$0.00}. According to FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. 
XXXX XXXX XXXX and JXXXX XXXX  XXXX
Product: Debt collection

XX/XX/2023 NOTICE OF DISPUTE : DEMAND FOR VALIDATION AND PROOF OF CLAIM Attn : Credence Resource Mana, XXXX and XXXX. 

This letter is being sent to you in response to erroneous data reporting on my credit profile {$160.00} CREDENCE RESOURCE MANA ACCOUNT XXXX. Be advised that the claim is disputed and validation and proof of claim of the disputed debt is requested in accordance with the The Fair Debt Collection Practices Act,15 U.S.C. 16921692p, and as amended by adding the following new Title 8 USC 802., and the Fair Credit Billing Act, 15 U.S.C . 1666- U.S.C . 1666- All of which work in conjunction with each other, including the Truth Lending Act ( TILA ) 15 USC 1601 et seq. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owed by me. In order to make arrangements to pay an obligation which may be lawfully owed, please document and verify the debt by complying, in good faith, with this request for validation and return it to me, within ( 15 ) days after receipt of this letter. 

This is NOT a request for Verification or proof of Claimant mailing address, I have received their alleged in house Data reporting on XXXX and XXXX reporting on my profile.. I am now seeking VALIDATION and PROOF OF CLAIM made pursuant to the above named Titles and Sections. I respectfully request that your offices provide me with competent evidence as per the attached Declaration of Proof of Claim that I have any legal obligation to pay the unsubstantiated alleged erroneous debt. 

At this time I will also inform you that if XXXX and XXXX have reported invalidated information to my credit profile prior to validation and proof of claim of the disputed debt, this action might constitute fraud under both Federal and State Laws. Due to this fact, I am requesting that this erroneous reporting be removed until validated or I will not hesitate in bringing action against XXXX, XXXX and Credence Resource Managment for the following violations. 

-Violation of the Fair Credit Reporting Act -Violation of the Debt Collection Practices Act -Defamation of Character -Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud ) If your offices fail to respond to this validation and proof of Claim request 15 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 

Title 8 USC 809 Validation of debts [ 15 USC 1692g ] ( b ) if the consumer notifies the debt collector in writing within the thirty day period in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of Best Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters to Transunion, XXXX, and XXXX  in regards to inaccurate reporting that I've noticed on my credit report and they have failed to meet the request of deleting the inaccurate information from my credit report. I need this account DELETED immediately from my report I do not who these are affecting my entire life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint with Experian in regards to inaccurate credit reporting. I sent in a total of 4 letters in all in regards to reporting inaccuracies on my report. In the first letter, sent on XX/XX/2018, verifiable proof was asked in regards to the account issue at hand. The results came back verified and updated. As I read through the results, only one of the two items was updated. But the last remaining item was neither updated nor verified to my specifications. I disputed the accuracy of their results in a second letter, sent on XX/XX/2018 asking for verifiable proof and documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Once again, when the results came back, they were labeled verified and updated, which again after reading the results mean that nothing was updated on my report nor verified to my specifications. Experian gave me no information on how they verified their information or the process they used to do so. I was given the round-a-bout answer which meant that again nothing was done. A third and fourth letter was sent to Experian on XX/XX/2018 & XX/XX/2018 respectively, to once again dispute the results. In letter 3, I indicated that Experian failed to provide the method of verification as required under Section 611 ( a ) ( 7 ) in letter 3. Finally in letter 4 to describe the procedure that Experian completed to verify the results. After letters 3 and 4 were sent, Experian stated that they REFUSED TO INVESTIGATE FURTHER. Experian still has not provided any information on how they verified their results and have directly violated the Fair Credit Reporting Act by actively refusing to investigate my matter and do their due diligence by investigating fully, thoroughly and accurately.
Product: Debt collection

Collection manager, XXXX XXXX of Southwest Recovery Services, posted a debt of {$4400.00} on Credit Bureau against me after he was made aware that the debt was settled and I had already paid as agreed. 

He called at XXXX XXXX XXXX XXXX on XX/XX/XXXX, I told him that I have settled the debt with his client and he needed to talk to them. He apparrantly did call them ; he knew the debt was settled that day ; but he went ahead and falsely reported the debt to the Credit Bureau the next day on XXXX. 

I also suspect that he has some kind of a personal relationship with the accountant of his Client, XXXX . XXXX XXXX and I have reasons to believe she helped him in this matter against me without the permission and consent of the superiors at the business she works for.
Product: Debt collection

They have also called friends of my family multiple times leaving messages. Showed up to my grandparents house and disclosed my debt to my older brother. Showed up at my aunts house and told her that they were told she was my mother. Sent a letter to my grandmothers address XXXX and I live XXXX. They have trespassed multiple times on my grandparents and aunts property that have NO TRESPASSING SIGNS on both properties and they have showed up even after I contacted them telling them that I do n't live at either of the residents. They are continuously calling and leaving messages telling my family and friends that they need payment or my collateral. I worked for a XXXX company so I know my rights as a consumer. What they are doing is against FDCPA and CFPB. They disclosed to my brother that I needed to pay {$75.00} and also gave him a letter to give to me. They have harassed my family and friends so much that my family and friends are also going to be filing a complaint with the CFPB. And it is all over a {$370.00} loan. Ridiculous.
Product: Debt collection

XXXX Account Number XXXX Status Updated XX/XX/XXXX Balance {$620.00} KANSAS COUNSELORS INC Account Number XXXX Status Updated XX/XX/XXXX Balance {$100.00} XXXX XXXX XXXX XXXX Account Number XXXX Status Updated XX/XX/XXXX Balance {$5000.00} XXXX XXXX Account Number XXXX Status Updated XX/XX/XXXX Balance {$7100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Attn : XXXX, NY Attorney General, Securities Exchange Commission I would like to make an official complaint against Discover Financial Services and the XXXX XXXX and XXXX National Consumer distance Center, XXXX XXXX Although I have sent very specific documents that show that not only was I not the owner of the XXXX credit card debt totaling {$890.00} but that these agencies aforementioned are in direct violation of my consumer rights.

The violations that I have highlighted and addressed in the documents mailed to Discover Financial Service, XXXX, and XXXX are the following : Violation of Consumer Rights Symbol on a document stating a debt is owed. 
Validation only the consumer can validate debts Harassment or abuse Civil liability Furnishing certain deceptive forms Legal action by debt collectors Unfair practices False and misleading Communication without permission.

Acquisition of location of information Accuracy and fairness of credit reporting Obligation with respect to disclosure f personal information of the consumer Transactions other than under open end credit plan Apart from my list of violations I have also included : Exhibits, that show the inaccuracies that have remained on my credit report as a result of the errors made by Discover, XXXX and XXXX. Please find below a list of the documents that were also included in the package mailed to these aforementioned corporations. 

Letter of Dispute and Complaint Debt validation letter Affidavit of truth Notice to : Cease & Desist To date although I have made these agencies aware of their error this Discover account remains on my personal credit. It is my intention to pursue this case in XXXX XXXX next.