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

On XX/XX/XXXX, I submitted a complaint about some accounts that are not accurate on my consumer report. 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. Also according to the fair credit reporting act, any verified account must have proof of verification sent to the consumer. Transunion has failed to provide the proof of verificaiton and mark the accounts as verified. These accounts 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 are not complete and accurate nor has proof of verification has been sent to me. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 15 U.S.C 1681 section 602 A : states I have the right to privacy. 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. According to 15 USC 1681i 5 this is what is suppose to happen : ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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 this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. But they did not do that as well either. and according to 15 USC 1681s-2 they are suppose 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

XXXX XXXX says they charged off over {$1000.00} in XX/XX/2017. I made monthly payments even after the account was closed and paid the balance off in full, but with late/missed payments in between. Last payment was for {$400.00} in XX/XX/XXXX/XX/XX/2017.
Product: Credit reporting or other personal consumer reports

XXXX/XXXX/25 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL, XXXX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX : Account number XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Copy of Credit Report
Product: Credit reporting, credit repair services, or other personal consumer reports

Affirm INC. is reporting fraud accounts on my XXXX credit report. I previously sent Affirm INC. letters, disputing these fraud accounts below : Affirm acct # XXXX {$1200.00}. & Affirm acct # XXXX {$820.00} I am a victim of Identity Theft & have already sent a copy of my FTC report to XXXX. 
Affirm INC. received my letters and was required to take the appropriate action within 30 days of receipt. Affirm INC. is NOT legally verifying theses fraud accounts, there is no true proof or wet signature, that these accounts belong to me, anyone can open an account online using my info! Affirm 's office failed to respond to this validation and proof of claim ( NOT A COPY OF A BILL! ) BUT REAL PROOF, all references to these accounts must be deleted and completely removed from the Claimants credit file. However, Affirm INC. has willfully failed to delete the disputed information as I requested in my dispute. Affirm 's action or inaction is an intentional violation of the FCRA. 
Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit card with PNC Bank had been written off and included on my credit report as a write off during COVID despite my previous communications to PNC Bank to explain that I had notified the customer service representative ( multiple times ) of my loss of employment. I would like to pay the amount owed in full, but prior to doing so, have reached out to PNC multiple times to ask how quickly the error on my credit report can be corrected to reflect that my card should not have been written-off and is paid in full. This error has resulted in my inability to find full time employment and substantial financial loss. In addition, today I reached out to PNC again ( at XXXX ) to find out when this correction will be reflected on my credit report and the representative ( reading from a script ) refused to answer the following questions : 1. What is the process for reporting credit card payments to the credit bureau? 2.Which department at PNC is responsible for reporting the payments to the credit bureau? 3. If I pay the amount today, when with the payment and correction be reflected on my credit report?

Again, I would like to pay the total balance IMMEDIATELY, but need PNC Bank to confirm that this error will be corrected and assurance that the payment will be reflected on my credit report within 30 days of the payment submission date.
Product: Credit reporting or other personal consumer reports

This is my third time requesting the below items be removed or proof that they are mine be provided. These are not my accounts and I have filed a police report due to my wallet being stolen in XXXX  and then all of this shows up a year or so later. 

XXXX XXXX {$680.00} XXXX XXXX XXXX {$700.00} XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX {$5300.00} XXXX XXXX XXXX I Closed on XX/XX/XXXX XXXX/XXXX  Closed on XX/XX/XXXX XXXX/XXXX  Closed on XXXX XXXX, XXXX XXXX/XXXX  Closed on XX/XX/XXXX XXXX/XXXX  Closed on XX/XX/XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX contacted each company and they couldnt provide any information and when I gave my address social they either couldnt verify me or had no record. 

My Identity Theft Report reference number is XXXX and my police report number is XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights.

Under 15 USC 1681 Section 602 states that I have a right to privacy.

15 USC 1681 Section 604a Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

Under 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.
Product: Debt collection

I have been being contacted recently by Palisades Collection Agency for a debt from before XXXX. I don't know who the original debt was for, but it seems as though the amount was {$3200.00}. They have recently sent me a Notice to Appear with no actual appearance date on it. When I look up the docket number, there seems so be a whole bunch of motions from XXXX to XXXX that i know nothing about. It says they tried to take money from my bank account, but never did. It says they tried to garnish my wages, but never did. I don't remember any of these attempts as I was never notified about them. I don't know what this debt is or how they can still be trying to sue me over 13 years later. Isn't is illegal to try and take legal action after the statute of limitations is up? They call me repeatedly everyday, but I do not answer, because I don't want to be bullied or harassed for a debt more than 13 years old. This debt doesn't even appear on my credit report.
Product: Credit reporting or other personal consumer reports

I see collection accounts showing up on my report from a collection agency reporting an original creditor that I never had an account with. I believe that they are try to collect from me for an account i had 7 years ago that has falling off my credit report, and using another creditor name to collect a debt. This is a violation and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Regardless of the multiple written requests, the unverified accounts listed below is still reporting on my credit report in violation of federal law. The XXXX 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 bureau, as willful negligence and non-compliance with federal statutes. Please CORRECT the accounts in my Credit Report : XXXXXXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} Late/Closed Late Date XX/XX/XXXX, XXXXXXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance {>= $1,000,000} Late/Open Late Date XXXX, XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} Late/Closed Late Date XX/XX/XXXX, XXXX XXXX Date Opened XX/XX/XXXX Balance $ XXXXLate/Closed Late Date XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I disputed incorrect information on my credit report under XXXXXXXX XXXX Account number XXXX XXXX DELETED the account after their investigation but the accounts are somehow returning back as validated for XXXX AND EXPERIAN. 

Under 15 USC.1681b 15 USC.1666, 15 USC 1666b 15 USC 1681S2 my rights have been violated.This debt collector has not provided me proper debt validation for this debt. Please delete this from my report. 

XXXX is reporting that 75 % of the debt needs to be paid off and the balance is {$4800.00} and the account status was updated XX/XX/XXXX. 

Experian is reporting that the account was charged off at {$5600.00} and the past due balance is {$4800.00}. It also reflects on XXXX that the account was closed XX/XX/XXXX. 

This account is being reported as charged off but every month the credit bureaus are reporting a balance instead of marking it as {$0.00}. 

Experian is reporting the account status being updated XX/XX/XXXX and XXXX reports the account as being charged off and being modified XX/XX/XXXX. 
The dates, payment history and balance amounts do not meet FCRA.
Product: Credit card or prepaid card

I did have a credit card with Wells Fargo around 2015 and it was XXXX dollrs and I didnt have job to pay and then I was trying to pay but the close my account to fast without any chance to fix it and the report me
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal consumer to business ( s ) complaint ; the root of this complaint is due billing/ collection and refusal to remove/update invalid information. I have been trying to work with credit reporting agencies since XX/XX/2017 with no success or cooperation ; I have requested/demanded verification/ validation of debt/collection directly to below mentioned companies and all credit reporting agencies. Desired resolution is to correct/delete accounts/information expressed in this complaint from all credit reports. I do not have a signed contract, a contract, have never done business with nor am I liable/ responsible for these debts with the mentioned companies. I have phone, emailed, faxed, and mailed in written request/demands to have following information removed from Transunion, XXXX and XXXX with no success. They have refused to update information. Accounts to be removed : XXXX XXXX # : XXXX and all non-account holding inquiries.
Product: Credit reporting or other personal consumer reports

AS A RESULT OF THE IDENTITY THEFT I HAVE INQUIRIES THAT I DIDNT AUTHORIZE AND ADDRESSES THAT I HAVE NEVER BEEN ASSOCIATED WITH INQUIRIES NAME DATE I HAVE NOT AUTHORIZED THESE AND HAVE NO KNOWLEDGE OF THESE INQUIRIES XXXX 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  ADDRESSES I NEVER LIVED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Hi, my name is XXXX XXXX and I work for XXXX  XXXX and sending money to my parents. I used MoneyGram for long time but they were not transferring directly to their bank and it was very inconvenient for my old parents to go to bank and withdraw money. It was not safe. Therefore, I found XXXX and starting using it without any trouble. It takes just a click to have the transferred to them. But unfortunately 2 days ago I found out that MoneyGram also started bank to bank services. And according to their website it takes minutes so I decided to use it but unfortunately it didnt worked. I tried to reach them through chat and phone Both but again unfortunately through chat but they are telling me that my case has been forwarded to investigation department. I am good with that but my main problem is that the money has been taken out already ( 2 days ago. Right away when my transaction was completed ). 
My transaction reference nu
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was never late on the paid off account listed above. Please show me documentation showing proof of transaction, showing I was ever late to support your inaccurate reporting on my account. 

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCs 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. The FCRA allows 30 days for this to be rectified.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : REQUEST FOR REMOVAL OF INQUIRIES To Whom It May Concern : Section 609 [ 15 USC 1681g ] of the Fair Credit Reporting Act of 1970 provides that your credit bureau should send me all information on file that led to my credit application being denied. According to the provisions of Section 612 ( b ) [ 15 USC 1681j ( b ) ], there should be no charge for this information. 

Please remove the following inquiries from my report I have no knowledge of these companies. 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  If you have any questions or need additional information, please contact me at address noted below.

Thank you.

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

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Delete this account.
Product: Credit card or prepaid card

I opened my card through XXXX XXXX  and it was handled by Elan Financial services. The card had 20 months of 0 % interest on purchases and balance transfers. I had made a balance transfer and made several purchase that the 20. months expired XXXX of XXXX. I paid off the balance transfer in XX/XX/XXXX. I attempted several times to pay off the purchases before the expiration of the promotion. Each time the payment was directed to a balance transfer that expires XXXX of XXXX. After each payment I would call Elan to  verify if it went towards the purchase, Each time I called they would say no only after the minimum payment was paid would it go towards the purchases balance. I paid the entire purchases balance on XX/XX/XXXX. Upon calling to verify it went to cover the purchases, I was told it was not, but would automatically correct itself when the statement was issued. When my XX/XX/XXXX statement was issued I was charged interest on the purchases. Upon calling once again and speaking to a superviser to find out how to pay the purchases off I was told by the supervisor that I would have to pay off the entire card. If I didn't, any payments would be directed to the balance transfers that expire XXXX of XXXX and one expiring XXXX of XXXX. I paid the entire card off minus the interest charged. Basically, I was scammed into paying unavoidable interest and charged balance transfer fees for an unusable promotion, that I would not have incurred if the over 20 phone calls someone would have told me that I would be doomed to pay interest charges and the 0 % promotions were scams
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several hard inquiries on my credit report that do not belong to me. I have tried to contact XXXX, Experian, and XXXX about this matter, but the customer service representitives were not interested in helping me. These hard inquires are making it impossible for me to get new lines of credit.

I also have some inaccuries on my report as well, my current address XXXX XXXX XXXX XXXX XXXX XXXX XXXX is not reporting on any of my credit reports.

And my credit card is reporting as only 3 years when the account is 10 years 8 months old. This is causing my Experian score to report drastically lower than what it should be.
Product: Credit reporting

I received a letter in the mail from a car loan company saying I was denied a loan that I never applied for. In the letter is my name and the last XXXX numbers of my wife 's social security number.
Product: Checking or savings account

Hello, My grievance is on the partiality ( Biases ) that Navy Federal have against XXXX Veterans 100 %, that have filed a Chapter XXXX Bankruptcy. This institution will not let previous members with financial problems due to life changing events to maintain their membership. I find that the ADA should also be aware of their biases against the financial strain of the XXXX. Also, they cant used I had some returned checks as I was being fraudulent. If that was the case, they would not have any members. Thank you Kindly! Stop the biases against the financially strained!!
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in XXXX  days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports XXXX
Product: Money transfer, virtual currency, or money service

Received letters with barcodes that lead me to paintings for sale
Product: Credit reporting, credit repair services, or other personal consumer reports

My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday and social security number was used to open accounts that are not mine. Please remove these items from my report. 

XXXX XXXX XXXX {$9800.00} XXXX XXXX   XXXX {$350.00} XXXX XXXX {$650.00} XXXX XXXX XXXX XXXX {$580.00}