23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

My account ( PNC Checking ) had XXXX $ XXXX XXXX XXXX XXXX  ) withdrawn from it on two separate occasions both werent authorized and both were disputed one was refunded one wasnt. After speaking to XXXX XXXX Executive Client Relations Specialist at PNC bank She told me the disputed transaction was verified at the ATM with the PIN number upon withdrawal using my debit card. 
I have documentation of polices reports concerning the matter and was informed the RFID signal, PIN number and magnetic swipe can all be replicated by criminals. Upon explaining this to XXXX XXXX this morning ( Monday, XX/XX/year> ) she mundanely expressed it was nothing she could do for me even though my money had standard FDIC insurance in my checking account.
Product: Vehicle loan or lease

I am writing to formally dispute the accuracy of a collection/Charge off account listed on my credit report. The account in question is XXXX. I believe this account to be erroneous, misleading and am requesting that it be removed from my credit report immediately. 
ALLY FINANCIALS is Furnishing the CRAs with inaccurate data. This is a Serious violation on my credit profile and I want this ACCOUNT DELETED WITH IMMEDIATE EFFECT. The Vehicle in question was discovered to be an accidented car and when discovered, was reported to the dealer and was Returned back to the Dealer Immediately. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute information that I believe to be inaccurate. I am requesting that your agency investigate and verify the accuracy of this account. If the account can not be verified, it must be deleted from my credit report. Under the FDCPA, it is also illegal for a debt collector to use any false, misleading, or deceptive means to collect a debt. This account has been settled and as such should be deleted from my report. If the collection account can not be substantiated with proper documentation, I expect it to be removed from my credit report immediately. Please confirm in writing that the account has been removed/Deleted. Thank you for your attention to this matter. I look forward to your prompt response. XXXX XXXX XXXX.
Product: Payday loan, title loan, or personal loan

I have ( 2 ) loans with One Main Financial in XXXX, Ohio. I have been paying this loan for several years and the interest rate is very predatory. Another problem I am having with this company is that One Main Financial will call me every day harassing me on when Im making my next payment after the monthly payment has been made! One Main financial has flooded my voicemail to the point I cant receive messages! This Harrasment has been going on for 8 months..I have already spoken to the County Prosecutor and will be pursuing further action. Im Ohio this is called telephone Harrasment XXXX XXXX I will be also filing with the Ohio Attorney General Office. For a company ( One Main ) to harass and intimidate a customer is definitely unjustified! The interest rates are predatory and illegal!
Product: Credit reporting, credit repair services, or other personal consumer reports

1. XXXX XXXX, Account number XXXX is fraudulently published on my personal file. On XX/XX/XXXX I spoke with XXXX, a XXXX XXXX representative, she verified that my social security number is not linked to a mortgage in their system nor have I ever had a mortgage with XXXX XXXX. Even more important, I have NEVER assumed a mortgage thus far in my life. This account is not mine and I want it deleted from XXXX, TransUnion and XXXX credit report files. Thank you. 

2. On XX/XX/XXXX, XXXX XXXX XXXX XXXX hard inquiry on my XXXX credit report. I have disputed this twice as inaccurate and fraudulent. XXXX replied on XX/XX/XXXX with results being verified as accurate however according to my XXXX XXXX - Inquiry Impact Complaint conversation, reference number XXXX, my social security number is not in their banking system. Please investigate and delete this inaccurate information from my personal credit reports reports. Thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year> Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Cease and Desist Notification Account # XXXX and Account # XXXX Dear Midland Credit Management, This letter serves as formal notice pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), that I am requesting Midland Credit Management cease all communication with me regarding the alleged debt associated with [ Account Number or Reference ]. 

I am explicitly instructing you to stop all forms of communication with me, including but not limited to : Written correspondence, Telephone calls or messages, Email communications, and Reporting or furnishing information regarding this alleged debt to any credit reporting agencies, as such reporting constitutes a form of communication under the FDCPA. 
Any further communication from your company in violation of this notice, including indirect communication through credit reporting, will be considered harassment and a violation of my rights under federal law. Please be advised that continued non-compliance may result in legal action against your organization, including seeking statutory damages, legal fees, and other remedies as provided by the FDCPA and other applicable laws. 

This notice is effective immediately upon receipt. I kindly ask for written confirmation of your receipt of this letter and your compliance with my request. Additionally, if you claim that this debt is valid, please include any substantiating documentation to support your claim in your final correspondence. 

I reserve all rights under the law, including my right to dispute the alleged debt and take legal action if necessary. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have never done business with Midland Credit Management nor do I owe them any debt. I had an XXXX XXXX credit card over 7 years ago that was charged off. XXXX XXXX never reported it as a collection. XXXX XXXX removed the account recently as its now over 7 years old. Without having any communication with me whatsoever, Midland Credit Management reported to the credit agencies that I owe them the debt and they are reporting it as a brand new account and as a collection account. I have disputed this with XXXX, XXXXXXXX XXXX XXXX  but none of the agencies will remove this collection from my credit report and they are leaving it as is.
Product: Money transfer, virtual currency, or money service

Deposit Amount : {$120.00} Date of Deposit : XX/XX/24 at XXXX CST Bank Name : XXXX XXXXXXXX XXXX XXXXXXXX Last 4 of debit card : XXXX Transaction ID : XXXX Cash app said this was transferred and I never received it. They wont give me money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : -Company 1 : XXXX  XXXX XXXX XXXX amounts {$980.00}, and {$1000.00}. A certified letter was sent to them dated XX/XX/22. 
-Company 2 : JPMCB Card Services- {$4600.00} and {$3800.00} -Company 3 : XXXX XXXX {$1000.00} -Company 4 : XXXX XXXX- {$1600.00} - Company 5 : XXXX XXXX XXXX {$21000.00} 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 : States a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Debt collection

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 
XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.

Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX Account Number : XXXX Please remove this inaccurate information from my credit report Validate Account XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 
Account that are incorrectly reported as late or delinquent such as by a collection agency or other creditor. 
XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A DUPLICATE COMPLANT. I'm not using any third party for this matter and represent myself by myself. This complaint is sending due to the new items on my report they I have discovered just recently. 
I am very concerned about all activity going on with my credit reports these days. I immediately demand the removal of these inquiries to avoid any confusion as I DID NOT initiate these inquires or give any form of consent electronically, in person, or over the phone. I am fully aware that without permissible purpose no entity is allowed to pull my credit unless otherwise noted in section 604 of the FTCRA. The hard inquiries that are being disputed, do not belong to me. My position is being clearly stated, these hard inquiries do not belong to me, meaning that you are reporting inaccurate information within my credit file. YOU are reporting the INQUIRIES that are the result of the fraudulent activities. Therefore, these inquiry must be deleted from within my credit file. Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that this Inquiry is being disputed is because it waw not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that this inquiry was made by me, they must be removed from my credit file. I have filed FTC report for this matter. Here are the list of these fraud items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these items from my report as soon as possible, I have included the copy of my SSN, driver license, proof of address and copy of FTC report.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has reported an inaccurate balance amount from XXXX XXXXXXXX XXXX on your credit report for the month of XX/XX/2023.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to request an update to my personal information on my credit report below are addresses that do not belong to me. Please find the details below : XXXXXXXX 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 Current Employer Information : Employer Name : The XXXX Group Please update the information in my credit file as requested above. 

I appreciate your prompt attention to this matter and look forward to receiving confirmation that these changes have been made. 

Thank you for your assistance.
Product: Credit reporting

The reporting agency is asking me if I have a home loan mortgage and I do n't ... but its possible that someone stole my identity and has a mortgage. I need to see the report!
Product: Debt collection

I began getting calls from XXXX in mid XX/XX/2021. These calls were actually being intercepted by my phone company XXXX 's robocall-blocking feature but I could see the Caller ID and number that was calling me. I called XXXX and was told that I had a balance due to XXXX of {$300.00}. I told them this account is fraudulent and they told me that this was being reported as fraud and would be referred for investigation. They told me that I did not owe XXXX anything. 
In early XXXX, I received nearly 20 calls over 4 days. I called XXXX again and was told that I still had a balance due to XXXX of {$300.00}. I subsequently found that someone had opened at least 2 accounts in my name, SSN, address and telephone number fraudulently. I also found out that there was a balance due on a second account of {$180.00}. 
When I contacted XXXX XX/XX/XXXX to report the fraud I wasn't even aware there was second account. I was told that the suspect account would be closed, that I am not responsible for the amount due and that their collection agencies would be made aware and would not contact me. 
On XX/XX/XXXX, I received an invoice from American Coradius International ( XXXX 's collection agency ) stating that I had a balance due of {$180.00}. When I followed up with XXXX on XX/XX/XXXX about this, I discovered this was the second fraudulent account under my name. XXXX, supposedly, will now close this account as fraudulent, too. 
XXXX will not or can not give me any information about when these accounts were opened. I do know that the email address used to open these accounts is not my actual email address. XXXX does not have record of my actual email address. Since email seems to be XXXX 's preferred ( perhaps only ) method of communication, I never knew about these accounts. 
I have asked XXXX to provide me a written confirmation of the actions they have taken, but their customer service representatives and a supervisor would not give me that information. The company is not taking my concerns seriously and believe that I should take appropriate actions under the law. It is very difficult to contact anyone with authority at XXXX. 
I was told that all a person needs to open a XXXX account is to provide an email address. Since I have a security alert on my credit reports, I know that XXXX does not seem to have tried to determine my credit rating. This is very poor business practice.
Product: Credit reporting or other personal consumer reports

I am writing to request a Metro 2 compliance review of my credit report. I believe these accounts are not mine and part of a mixed credit file or fraud or reporting inaccurately after reinvestigation. I have attached more evidence that proves that some if not all of these accounts are a result of a mixed file or another individual with the same name and DOB as me thus I can not take responsibility for an account that is not mine.

I have included my credit reports from Experian that reflects all three credit bureaus and what is being reported. As you will see clearly, the payment history is incomplete and does not match across all bureaus. If they are contacting the furnishers then these accounts much match per what the furnisher is reporting.

I am requesting that you conduct a Metro 2 compliance review of these account and remove them. A Metro 2 compliance review is a process that is used to ensure that credit reporting agencies are reporting accurate information. 

I am enclosing a copy of my credit report with the late payments that I am disputing highlighted. I am also enclosing a copy of documentation that supports my claim that the late payments are inaccurate. 

Please delete these accounts as I have spent the last 7 months disputing and my disputes and complaints have been ignored. If these accounts continue to report after 30 days, I will seek legal action. 

Thank you for your time and attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus on XX/XX/, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX Balance : - XXXX XXXX XXXXXXXX Balance : - XXXXXXXX XXXX XXXXXXXX Balance : {$63000.00} XXXX XXXX XXXX Balance : {$370000.00} ; 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
Product: Credit reporting or other personal consumer reports

I DO NOT OWN THE ACCOUNTS STATING BALANCES ON MY REPORT PLEASE REMOVE. MY CREDIT SCORE IS BEING SEVERELY DAMGED AND I AM UNABLE TO GET APPROVED FOR CREDIR CARDS AND LOANS. 

The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Date XXXX XX/XX/XXXX Balance- {$700.00}, XXXX XXXX XXXXXXXX Date Opened- XX/XX/XXXX Balance- {$1000.00}, XXXX XXXX Date Opened- XX/XX/XXXX Balance- {$300.00}. 

The information is incorrect and does not belong to me. 

I looked at my Transunion credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not aware of these accounts and they are affecting my credit report, please remove these accounts.
Product: Credit card or prepaid card

1. Discover FIN SVCS XXXX account opens on XX/XX/2021 with the balance of XXXX 2 XXXX XXXX account opens on XX/XX/2021 with the balance of XXXX I have no knowledge about these 2 accounts. 
I do not have the full statement of these accounts. These are all information I have from XXXX  credit report
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX : XXXX Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion/Experian/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 the following accounts : 1. DEPT OF EDUCATIONXXXX Account # : XXXX | Type : Loan | Opened : XX/XX/XXXX | Amount : {$3600.00} 2. DEPT OF EDUCATION/XXXX Account # : XXXX | Type : Loan | Opened : XX/XX/XXXX | Amount : {$6300.00} XXXX XXXX XXXX XXXX XXXX  Account # : XXXX | Type : Credit Card | Opened : XX/XX/XXXX | Amount : {$850.00} 4. DEPT OF EDUCATIONXXXX Account # : XXXX | Type : Loan | Opened : XX/XX/XXXX These accounts have resulted in several fraudulent Charged off accounts and late payments appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, loans, or hard inquiries as reported. The aforementioned accounts, missed payments, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, charged off accounts, and hard inquiries are the result of identity theft and fraud.I have attached copies of FTC Identity Theft Criminal Complaints # 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.

Under FCRA 611 ( 15 U.S.C. 16811 ), I request written confirmation that this fraudulent account has been blocked and removed as required by the FTC Identity Theft Affidavit.Please explain why it was not removed initially, despite my submission of all required documents, including my ID, Social Security, proof of address, and FTC Identity Theft report. I also request disclosure of the investigation method used, as required by law, and evidence that the credit bureau contacted the FTC to verify the affidavit, including the names and addresses of any persons or entities involved. Recent lawsuits against XXXX reveal troubling patterns of non-compliance, emphasizing the need for adherence to federal law. As required under FCRA 605B, I expect a complete investigation and all requested documentation within four business days. Should you fail to delete this account within the timeframe, I demand the name and address of anyone contacted to verify the disputed information.
Product: Credit card or prepaid card

Consumers beware! If you are a Wells Fargo customer and you notice fraudulent transactions on your chipped credit card, report it as " stolen ''. My card was in possession, it never leaves my house and is only used for utility payments, but somehow there were multiple unauthorized transactions on my card. I've contacted Wells Fargo many times about this and they insist that those transactions were in fact authorized by me simply because the card is in my possession. The unauthorized transactions total over {$1500.00}, effectively eliminating my government stimulus. I am very disappointed in Wells Fargo and its fraud department being that I've been a customer of it since I was a teen. I've read about many scandals involving Wells Fargo, and I highly suspect a Wells Fargo employee to be the culprit. I urge all consumers, if you haven't already, to switch to a different bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 States I Have A Right To Privacy. 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 USC 1681 Section 604 A Section2 : It Also States a consumer reporting age 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.