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

Subject : XXXX XXXX - Request to Block and Delete Fraudulent Accounts under 15 U.S.C. 1681c-2 ( a ) To Whom It May Concern, On XX/XX/XXXX and XX/XX/XXXX, and XX/XX/XXXX I fowarded correspondence to your attention for the immediate blocking and deletion of fraudulent accounts and information appearing on my credit report. To date, the below information remains on my credit report. This is a violation of the law. I am writing to formally request, for the XXXX XXXX, the immediate blocking and deletion of fraudulent accounts and information appearing on my credit report as a result of identity theft, pursuant to 15 U.S.C. 1681c-2 ( a ) under the Fair Credit Reporting Act ( FCRA ). I was a victim of the Experian data breach, and my personally identifiable information was compromised, leading to unauthorized accounts being opened in my name. The fraudulent accounts in question are as follows : Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX : Account Name : XXXX Account Number : XXXX Date Opened : XXXXAccount Name : XXXX Account Number : XXXX date opened : XXXX per 15 U.S.C. 1681c-2 ( a ), you are required to block and delete the disputed information within four business days of receipt of this request. Additionally, you must cease reporting these accounts to any third party. I expect a written confirmation from your office once the fraudulent accounts have been blocked and removed.
Product: Credit reporting or other personal consumer reports

I paid off close to {$50000.00} in student loans in the last few years. Ed financial in Tennessee is not reporting this information to the credit reporting bureaus. The credit reporting bureaus all show I have {$20000.00} worth of student loans unpaid and I have paid them off 100 % and this information needs to be reported.
Product: Credit reporting or other personal consumer reports

Furthermore, as you can see from the information above, your agency is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), 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 to whom the report relates.
Product: Debt collection

Keep getting numerous phone calls from Portfolio Recovery Associates. Repeated phone calls once a day, or some debt that is not mine. I tell them to stop calling. But they keep on calling regardless.
Product: Credit card or prepaid card

On XX/XX/XXXX, I received a credit card from JP Morgan Chase which I did not apply for. I immediately contacted Chase and cancelled the credit card. I was advised the application was applied for on XX/XX/XXXX. I was instructed by their security team to place a fraud alert/freeze on my credit with all three credit Bureaus which I have done, as well as, contacted my bank and major credit card companies. I also reported it to the Sheriffs Department in my county. I belong to a credit monitoring company which has initiated an investigation. I am having the credit bureaus remove the fraudulent credit card request from my credit report. To date, no fraud has been revealed. After I reviewed my credit report I noticed that someone has applied for pandemic unemployment in another State other than the one I reside in. On XX/XX/XXXX, I contacted that State 's Office of Unemployment to verify that no one has received monies using my identity. I was informed the request was deemed as fraudulent and no monies were dispersed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX ( XXXX ) XXXX XX/XX/year> Subject : Formal Dispute Letter Regarding Civil Liability for Negligence & Non-Compliance under Article 16810 Dear CFPB, I am writing to formally file a complaint against XXXX, XXXX XXXX XXXX. Due to inaccurate information on my credit report that i have asked to be investigated and removed. This matter falls under Article 16810, which holds parties liable for civil negligence and non-compliance resulting in damages or harm. 

On XX/XX/year>, I became aware that several accounts that did not belong to me were listed on my report. I have filed a dispute to have them remove but they still remain. 

According to Article 16810, they are legally obligated to ensure compliance with FCRAand to take reasonable care in fulfilling your duties. Their failure to do so constitutes negligence, and I am holding them accountable for the consequences of their actions. 

To resolve this matter, I am requesting the following corrective actions : Immediate removal of these fraudlent accounts. 

If they fail to respond or take corrective action within the 30 day timeframe, I will have no choice but to pursue further legal action, including but not limited to filing a formal complaint, seeking mediation, or initiating legal proceedings. 

I urge you to address this matter promptly to avoid escalation. Please acknowledge receipt of this letter and provide a response by XX/XX/year>. You may contact me at ( XXXX ) XXXX if you require further discussion. 

Sincerely, XXXX XXXX
Product: Debt collection

Amcollent showed up on my credit report. I do n't owe anyone. My bills are paid on time. Also I have never lived onXXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unauthorized inquiries on my Transunion consumer report. I reached out to Transunion regarding this matter with no resolve. My consumer rights have been violated.
Product: Credit card or prepaid card

I engaged a dispute regarding a purchase on my Wells Fargo card in XX/XX/XXXX ;  the charge goes back to XX/XX/XXXX. After months of back and forth, WF 'resolved the dispute in my favor ' ( see attached email ). Yet, I can not get them to remove the charge from my credit card, despite numerous requests, and despite notifying them that eventually I would need to file a CFPB complaint. The charge is still listed today ( XX/XX/XXXX ), and they are attempting to force me to pay the amount by XX/XX/2019 ( see accompanying statement ).
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and have gone over to the bureaus to send my FTC reports, BUT XXXX won't even help me. I sent out my letter XX/XX/XXXX and they received it, XX/XX/XXXX and up to this date ( XX/XX/XXXX ), the fraudulent hard inquiry is still showing on my credit report with them. I need that hard inquiry removed asap and I've been on the phone with them several times. Their agents would tell me different resolutions every single time and never actually resolved the problem. I sent out my IDs to them but they never listened. 

I also called the company but they also didn't take action on this matter. 


Here is the fraud inquiry : ROCKLAND TRUSTXXXX XXXX XXXX XX/XX/XXXX I am attaching to this request the same FTC report that I sent to XXXX along with my IDs and proof of address.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : UNAUTHORIZED INQUIRIES & PERSONAL INFORMATION PLEASE REMOVE THE FOLLOWING UNAUTHORIZED INQUIRIES : XXXX XXXX : INQUIRY DATE : XXXX XXXX PULL INQUIRY DATE : XXXX XXXX XXXX, XXXX XXXX INQUIRY DATE : XXXX XXXX INQUIRY DATE : XXXX XXXX XXXX INQUIRY DATE XXXX THE FOLLOWING ADDRESSES ARE INCORRECT PLEASE DELETE THE FOLLOWING : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX FOLLOWING INQUIRIES AND PERSONAL INFORMATION ABOVE ARE INACCURATE, AND I DIDNT GIVE THESE FOLLOWING COMPANIES AUTHORIZATION TO ACCESS MY CREDIT REPORTS FOR THIS REASON. BY LAW SECTION 604 15 U.S CODE 1681 B STATES THAT CREDIT REPORT AGENCIES, DONT HAVE THE RIGHT TO REPORT ANYTHING ON MY CREDIT REPORT WITHOUT A WRITTEN CONSENT FROM ME. BY LAW SECTION 605 A 15 U.S CODE 1681 C-1 STATES NO CONSENT FOR THESE INQUIRIES WHICH MEANS IDENTIFY THEFT. BY LAW SECTION 605 B 15 U.S CODE 1681 C-2 STATES THAT IF CREDIT AGENCIES ARE NOTIFIED ON SOMETHING ON YOUR CREDIT REPORT THAT RESULTS FROM IDENTITY WHICH MEANS THAT I DIDN'T GIVE CONSENT ONCE AGAIN TO THIS. 

PLEASE SEND ME AN UPDATED COPY OF MY CREDIT REPORT REFLECTING THE ABOVE CHANGES!!!
Product: Debt collection

just got notified from my XXXX account that a collection debt was posted XXXX from Credence Resource Management that was opened XXXX possible from XXXX XXXX XXXX for {$320.00}. I have never had XXXX XXXX XXXX in my life.
Product: Bank account or service

I closed mmy account and video recorded myself doing it and XXXX is fraudulently trying to keep it open
Product: Credit reporting 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 unde

r 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I file a complaint because I did not consent to, authorize nor benefit from any of the following inquiries or accounts. 

ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 All is being investigated by the FTC and CFPB. According to FCRA 605B this information must be blocked immediately until the investigation is over. Since 4 business days from receipt of this communication allotted under the Federal Law to block these entries, it should be understood that failure to do so within a 4 business days period after receiving this letter constitutes reason to promptly delete the information from my credit file. Refer to : ( FCRA USC s 168li ( S ) ( A ) ).
Product: Credit card or prepaid card

In the year of 2020 there were several transactions and purchases on my account i did not make any of the purchases and wells fargo did not resolve it
Product: Credit reporting, credit repair services, or other personal consumer reports

I told XXXX XXXX XXXX XXXX in XX/XX/XXXX that family members were abusing my social security number. XXXX XXXX XXXX confirmed this XX/XX/XXXX stating the family members are using a power of attorney without my knowledge /permission. Also XXXX XXXX XXXX transferred my loan in XX/XX/XXXX to XXXX. XXXX federal identification number was used, XXXX XXXX address in Texas was typed in. This was reported to IRS. IRS sent me a letter XX/XX/XXXX stating I am a victim of embezzlement. I was told there is property in Texas using my social security number. I sent you another identity theft affidavit certified, since you say you did n't receive the first one I mailed. In XX/XX/XXXXXXXX XXXX reported my loan to IRS in XXXX. Suddenly my loan is in Texas and the mortgages was being paid using The Tennessee Department of Labor funds, that was being directly deposited into my account and offset by XXXX XXXX XXXX allowed that did n't come to XXXX XXXX XXXX XXXX. My XXXX credit report reflects those payments in XX/XX/XXXXwhen I filed bankruptcy. The date of the loan was changed by family members to XX/XX/XXXX. If you need a copy please feel free to let me know via mail. I told you the family prepared my XXXX in XX/XX/XXXX after I was given an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the doctors office. In XX/XX/XXXX I filed a medical malpractice law sue. The attorney asked for XXXX dollars. In XX/XX/XXXX I received a settlement. Attorney XXXX XXXX XXXX filed the malpractice law sue as workman 's compensation and made my medical records public. I was laid off from XXXX XXXX XXXX of XX/XX/XXXX, a few days before you stated I was suppose to be notified of the transfer of the loan. As I 've stated I was under wage earner when this occurred. I was making payments to XXXX XXXX applied my payments. And reported to Transition credit on XX/XX/XXXX. XXXX XXXX was served a subpoena on XX/XX/XXXX to release me employee records and medical records to the courts. The company refused to do so. The case number is XXXX  XXXX, XXXX XXXX. XXXX XXXX XXXX. I 've reported this theft to the Tennessee Department of labor. XXXX XXXX XXXX did n't report my date to them. The family changed the date to get extensions using my social security number and account number to steal government funds. XXXX XXXX XXXX allowed this corruption. The family is involved in organized crime. These are very dangerous people, I stopped associating with them when I was much younger. I knew what they were capable of. No-one wants to listen to me. I never had an account to make payments to you using six digits in a wire check. You may want to to take me just a little more serious.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$13000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$30000.00} XXXX & XXXX Original Creditor : XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX Original Creditor XXXX XXXX XXXX Balance {$650.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} Bankruptcy XXXX  XXXX Discharged Date Filed XX/XX/2015 Docket Identifier XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit reporting or other personal consumer reports

I am asking for your help concerning these certain accounts as they are reporting inaccurately for this and these have harmed my reputation as a consumer due to the inaccurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account identified as an vehicle loan is inaccurate. Sale completed at XXXX delearship. True account type is retail installment sales contract. Account also in litigation due deception and predatory lending. XXXX found at fault. 

Original balance reported as {$22000.00}. Report notes a payment of {$10000.00} made on XX/XX/XXXX. Creditor, XXXX, reports writing off {$20000.00} however balance as of XXXX XXXX only {$12000.00}. 

Data is inconsistent, incomplete, and inaccurate across all 3 credit bureaus.
Product: Credit card

The wife, who has a Capital One QuickSilver XXXX card linked to my account, tried to purchase a product from a company that she has used a number of times before. Capital one would not allow the purchase to go through. They sent me a notice on both my cell number and email saying they needed me to contact their ( Capital One ) fraud department via phone, which I did. We went through the normal identification process, and I said the purchase was " OK ''. But in addition, they want me to send them a scanned copy of my government issued ID ( Passport and CA Driver 's License ). I said they don't need to have that sensitive information in light of current data security breaches. They insisted that I must send them those copies. I said, I'll take my rewards cash ( {$830.00} plus ), close my account, and take my business somewhere else. Why after over a dozen years of doing business with Capital One, do they need such information sent to them? They said they will not send me my cash reward without the previously aforementioned IDs. My on line account has been restricted in addition. They are holding XXXX my Rewards Cash until I send them scanned copies of those IDs. This is stealing! They know it's me for all the other identification processes, but want to blackmail me into to sending them sensitive government issued IDs in order for me to get the money.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I submitted an inquiry to the Consumer Financial Protection Bureau ( CFPB ) regarding discrepancies on my XXXXXXXX XXXX XXXX  account ending in XXXX. This inquiry was prompted by inaccuracies I observed on my credit report, which negatively impacted my credit standing. 

On XX/XX/year>, I received a response from XXXX stating that they had previously addressed a similar inquiry ( Case # XXXX ) and that any discrepancies with my credit report should be directed to the credit reporting agencies. XXXX also declined my request for compensation. 

I believe XXXX has not fulfilled its legal obligation to ensure accurate reporting and correct any errors in a timely manner. Given the potential violation of my rights as a consumer, I am seeking a thorough investigation into the discrepancies reported and a resolution to this matter.
Product: Checking or savings account

copy from bask bank message I sent : XXXX XXXX XX/XX/year> - XXXX XXXX see attached pdf of CD, why on XX/XX/XXXX did the interest rate already go down to 4.25 % when the CD did not mature until XX/XX/XXXX? 

There was just over {$11.00} in interest it said where is that now that the CD is closed?

When was the last day of interest paid on this CD?

please answer all questions.

Please remove closed cd from account listings.

thanks Sent pic of CD in message ( I will upload that pic in this complaint ) Reply from bank Name : XXXX XXXX XXXX Customer Support XX/XX/scrub>XXXX XXXX XXXX XXXX Hello, Thank you for your message. The interest rate dropped on the date the CD matured on XX/XX/year> which was also the last day you earned interest. 
The month of XXXX you were paid {$250.00}. The formula we use to calculate interest is Balance / XXXXXXXX XXXX  APR 5.45 % XXXX XXXX  of days in the month. If you have questions, please contact us at XXXX. 

Kind regards, Bask Bank customer support
Product: Mortgage

On XX/XX/2021 I was filling out information on line to get a pre approval letter from Amerisave mortgage company. Every thing seemed ok until the website asked for our bank user names and passwords. I filled my bank in but quickly changed my password because it did not seem like something that should be asked. then both me and my spouse credit reports were looked at somehow when I was never asked permission and I never gave our social security numbers. After I filled out what they asked for except bank information it said congratulation you have been approved. the next day XX/XX/XXXX I was contacted by an agent. i was instructed to send necessary documents on line to get pre approval letter. At the very end of the process I was informed there was a XXXX dollar non refundable fee to get the letter. I find out later most mortgage companies do not do that. My rate was locked in for 48 days witch gives me little time to find a place because it takes about that long to even close the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

been battling XXXX  and id theft for more than 7 YEARS NOW I DONT KNOW WHAT TO TO ANY HELP WOULD BE GREATLY APPRECIATED FILED FTC, POLICE REPORT TO XXXX AND XXXX COUNTY
Product: Debt collection

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy 15 US 1681b 2. This company has given my personal information to a third party. They also have no permission to report anything using my information pursuant to 15 USC 1681 4.
Product: Debt collection

I filed a complaint about XXXX XXXX XXXX  before. The complaint number is XXXX. 

After the complaint form was filed, a form was sent to me to complete. The form was completed and the required documents ( Driiver 's License and 2 bills stating that I did not live in the address that was used to obtain XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX could not proof that I signed the contract or signed for the service ; however, they still want me to pay {$180.00} that was charged using my stolen identity, I have been living in XXXX XXXX for over 11 years. It looks like XXXX XXXX XXXX knows that they have a lousy credit approval process for their XXXX cable. 

The letter I just received today stated that I am still responsible to pay {$180.00} that was due to identity theft and their lousy credit approval process. I am definitely NOT paying for something that is NOT mine. If I have to, I would sue XXXX XXXX XXXX in small claims court for {$10000.00}. I have been dealing with this issue for a year and I am so tired of DO NOTHING XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX amedical debt that the original creditor did not perform the correct billing imformation provided. they were instructed to mail all final billing to my XXXX XXXX XXXXXXXX XXXX  " XXXX XXXX XXXX ' in XXXX XXXX XXXX XXXX they failed to do so. also according to new new in place all medical debt must be removed from the credit profiles. i have attempted several times with all three major credit bureaus to get this removed with no success. also the data is incorrect on the account status
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian due to their continuous failure to respond to credit report disputes that I have submitted. Despite my repeated attempts to address inaccuracies on my credit report, I have not received any response from Experian to date. 

I have submitted disputes to Experian on the following dates : XX/XX/2023, XX/XX/2023, and XX/XX/2023. 

It is my understanding that, according to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate and respond to disputes submitted by consumers within 30 days of receiving the dispute. Experian 's failure to adhere to this statutory requirement is a clear violation of the FCRA and infringes upon my consumer rights.
Product: Consumer Loan

I have an auto loan through PNC Bank. I started this auto loan XX/XX/XXXX. I have always made my payments on time every month. XX/XX/XXXX, I had to file for Chapter XXXX bankruptcy. I signed a reaffirmation agreement with PNC Bank for my auto loan, which stated that the loan would continue to report to all three major credit bureaus. On XX/XX/XXXX, my bankruptcy was discharged. Throughout all of this, I have continued to make on-time payments to PNC Bank for my auto loan. Despite signing the reaffirmation agreement and always making on-time payments, PNC Bank refuses to report any of my payments to the XXXX credit bureaus. However, when I first tried to resolve this issue with them, I have letters from PNC Bank stating that they were reporting my payments to the XXXX credit bureaus. This was a lie, though. I have gone through all levels of customer service at PNC Bank for the past two years, and they refuse to report the on-time payments, even though they lied to me and said that they would.