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

This is my NUMEROUS 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 items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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 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
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
DPT EDXXXX XXXX Balance Owed : {$10000.00} ; DPT EDXXXX XXXX Balance Owed : {$24000.00} ; XXXX XXXXXXXX Balance Owed : {$6300.00} ; DPT EDXXXX XXXX Balance Owed : {$2000.00} ; DPT EDXXXX XXXXXXXX Balance Owed : {$3000.00} ; DPT EDXXXX XXXX Balance Owed : {$3000.00} ; DPT EDXXXX XXXX Balance Owed : {$1800.00} ; DPT EDXXXXXXXX  XXXX Balance Owed : {$3500.00} ; DPT EDXXXX XXXX Balance Owed : {$6800.00} ; DPT EDXXXX XXXX Balance Owed : {$4900.00} ; DPT ED/XXXX XXXX Balance Owed : {$3200.00} ; DPT EDXXXX XXXX Balance Owed : {$21000.00} ; DPT EDXXXX XXXX Balance Owed : {$4000.00} ; DPT EDXXXX XXXX Balance Owed : {$7000.00}.
Product: Bank account or service

XX/XX/XXXX in an attempt to make my water bill payment for {$110.00}, I added the mistake and put {$1100.00}. Upon receipt of confirmation of the transaction, I immediately contacted Netspend to request they reverse the pending transaction. They stated I needed to contact the merchant to have them submit reason authorization should be released, etc. I informed Netspend that the merchant stated payment had not been processed, so therefore, they do not have the funds. The merchant agreed to help me out and sent a receipt to Netspend stating that they would only process the initial payment of {$110.00} for the water bill. Upon receiving the receipt from the merchant, Netspend still refuses to release my {$1000.00} back to my account.
Product: Credit reporting or other personal consumer reports

Re : Dispute of Inaccurate Information Pursuant to 15 U.S.C. 1681i ( a ) I am writing to dispute the accuracy information that appears on my credit report. Pursuant to my rights under the Fait Credit Reporting Act ( FCRA ), Specifically 15 U.S.C. 1681i ( a ), I am requesting to reinvestigation of the following item : Service Finance Company Description of Inaccuracy : Charge off reporting every month I believe that the information listed above is inaccurate and does not reflect my true credit history. In accordance with 15 U.S.C. 1681i ( a ) I kindly request that you conduct a reinvestigation of this matter to determine the accuracy of the disputed information. 
Please provide me with written confirmation that this item has been corrected and removed. If you are unable to verify the accuracy of this information, it must be deleted from my credit report as required by law. 

Thank you for your prompt attention to this matter. I look forward to your response.
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft to report separate XXXX fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a OTHER opened at XXXX XXXX XXXX XXXX XXXX XXXX {$700.00} on XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that akk collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit reporting

Equifax is reporting an account from XXXX XXXX XXXX XXXX which is more than 8 years old since the last delinquincy.
Product: Credit card

I have cash back rewards that are earned on a Barclays XXXX XXXX. Ive had this card for years but recently went to redeem the rewards/ cash back. I can see cash back rewards on my Barclay statement but there is nothing in the XXXX account. I called Barclay about a month ago and they said they couldnt help me with XXXX and that XXXX didnt have a phone number or chat. They directed me at that time to put in a request on the XXXX website. I followed there directions and was disheartened to find out that they take 30 days to reply. I never heard back, so I called Barclay again talked to a manager and they gave me a number to call. This was after they told me Barclay transfers a cash back amount each month to my XXXX account but they cant see anything or verify anything on the XXXX end. The number given doesnt go to a live person. It just gives you automated message that also directs you to the website where you can put in a request. I did that again but feel like XXXX just going in circles with absolutely no assistance from the company. Just this year XXXX earner {$430.00} dollars in cash back rewards. Ive checked my savings account that is linked to XXXX and there have been no deposits other than my pay check. Please help me resolve this. I feel like Ive been tricked and this feels fraudulent to me. There should be someone to talk to at XXXX but there isnt. Barclay gets to just say they dont have any way of helping you either. The buck just gets passed to a dead end.
Product: Credit card

Someone used my information at the store to open an account in my name without my permission.
Product: Credit reporting or other personal consumer reports

XX/XX/2022 : 30-day state of emergency, executive orders issued Maryland Gov . XXXX XXXX said COVID-19 is overwhelming normal operations at hospitals, and he's issuing a state of emergency and two executive orders. 
I notified XXXX XXXX XXXX and alerted them of the state of emergency, unemployment and XXXX due to the emidemic. 
XXXX XXXX XXXX is not following Credit Protection During COVID-19 ( XXXX ) : The CARES Act requires credit reporting agency data providers, including credit unions, to report loan modifications resulting from the COVID-19 pandemic as current
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 under 15 USC 1681. This account 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 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. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

These accounts are not mine please remove immediately! 
-XXXX XXXXXXXX {$730.00} Opened - XX/XX/21 -Navy Federal CR Union {$5200.00} Opened - XXXX/XXXX/202 -Navy Federal XXXX XXXX {$24000.00} XXXX - XX/XX/21 I never lived at this address please delete immediately! 
XXXX XXXX XXXX CT XXXX, IL XXXX 15 U.S. Code 1681c-2 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 after the date of receipt. It has been 30 days and you are in VIOLATION of this law because i am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts list IMMEDIATELY!
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I received a notification email from XXXX XXXX XXXX XXXX, my banking institution, informing me that my Zelle account had been deactivated. Promptly, I reached out to XXXX XXXX 's customer service for clarification, only to be informed that Zelle, as a third-party service, was solely responsible for the deactivation. Regrettably, XXXX XXXX was unable to provide any further details or assistance, directing me to contact Zelle directly. Despite my efforts to reach out, I have been unsuccessful in connecting with a Zelle representative, which has resulted in significant frustration. The lack of a proper and transparent process, along with the absence of an explanation for this sudden occurrence, only adds to the dissatisfaction experienced.
Product: Credit card

Verizon was offering a special if you opened a Synchrony Bank card, you would receive a discount. Sounded good at the time, however, after a month I decided to cancel the card and continue using. Verizon 's auto pay which I have been using for years. I cancelled the card XX/XX/XXXX. However, the bank keeps charging me even though I have sent them proof from Verizon that the charges have been paid. I have also sent them verification from Verizon that the account is closed. 
I recived another bill today XX/XX/XXXX, they are adding late charges and they are also reporting that these payments are late to all of the Credit Bureaus. I have an excellant credit score, which they are damaging. 
I have also brought this issue to the Attorney General 's Office and the Bank was not willing to resolve this issue. I would like bank to bring the account to zero, I do not owe what they are charging me on a credit card that is closed. They are also charging later fees and interest. 
In addition, I would them to send letters to all the credit bureaus and withdraw their complaint in order to correct the damage they have caused to XXXX credit score.. 
I have been trying to resolve this issue sind XX/XX/XXXX XXXX
Product: Mortgage

My principal went below the 80 % threshold to have the PMI removed several months ago. I have given XXXX Mortgage everything required per my closing documents : PMI will only be canceled if all the following conditions are satisfied : 1. you submit a written request for cancellation ; 2. you have a good payment history ; 3. you are current on the payments required by your loan ; and 4. we receive, if requested and at your expense, evidence satisfactory to the holder of your loan that the value of the property has not declined below its original value, and certification that there are no subordinate liens on the property. 
A " good payment history '' means no payments 60 or more days past due within two years and no payments 30 or more days past due within one year of the later of ( a ) the cancellation date, or ( b ) the date you submit a request for cancellation. 

It was also supposed to be automatically removed on XX/XX/22 per my closing documents : Borrower Requested Cancellation of PMI You have the right to request that PMI be canceled on or after the following dates : 1. The date the principal balance of your loan is first scheduled to reach 80 % of the original value of the property. This date is XX/XX/22. For balloon loans with a fixed interest rate and no conditional right to refinance, if applicable, this date may not be reached before the loan matures.

2. The date the principal balance actually reaches 80 % of the original value of the property. 

I had made additional principal payments that brought me below 80 % I believe in XXXX of this year. 

They made me pay for an appraisal even though their own website valued my property over {$650000.00} and all the value needed to be was {$450000.00}. For the last 4 months they have been telling me it is in their PMI department and would be resolved soon. I have tried esclesiting it but no one will or can approve this even though it should be automatic at this point. They continue to charge me each month for insurance that is not required.
Product: Credit reporting or other personal consumer reports

I have INQUIRIES passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 


XXXX XX/XX/XXXX  ; XXXX XXXX  XX/XX/ ; XXXX XXXX  XX/XX/XXXX  ; XXXX XXXX ; XXXX XXXX XXXX XX/XX/XXXX  ; XXXX XX/XX/.
Product: Vehicle loan or lease

I set-up an account with XXXX XXXX on XX/XX/2019. They charged me a start payment of {$1400.00}. I also have a monthly payment of {$470.00}. They were to send me the registration of the car as part of their service. I have called multiple times since the registration expired on XX/XX/2019 and have been able to get no assistance. I am told each time that the registration department has my request, but noone has looked at it, even with a 6 day guaranteed service level. Now my only choice is to return the vehicle, which I am free to do at any time, but I will be forced to lose the start payment of XXXX. I can not drive the vehicle since XX/XX/2019 and still being charged if I do not return. This is ridiculous and unfair to the consumer and no action being taken on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUinon is in violation of the the FCRA after I am writing due to TransUnion none compliance of the FCRA. TransUnion has fail to remove inaccurate information from my credit report. TransnUnion is in violation of the of FCRA refusing to uphold the law. I have provided TransUnion with factual proof of my payment made on time for the month of XX/XX/2018. TransUnion request me to send them supporting documentation that my payment for the month ofXX/XX/XXXX was made on time to XXXX XXXX before they would delete the late notice for XX/XX/XXXX. I have provided TransUnion email receipt from XXXX XXXX XXXX XXXX as factual proof of them receiving my payment for the month of XX/XX/2018. I also provided to XXXX additional copies of email receipt before and after the month in questioned to show that my payment for XX/XX/2018 was made and received on time for the month of XX/XX/2018. I have attached supporting documentation email receipt from XXXX XXXX XXXX clearly showing payment received and made on time for the month of XX/XX/2018 for CFPB review.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX  used : Early Warning Services , LLC Attn : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, AZ XXXX Tel XXXX Fax XXXX XXXX XXXX XXXX To verify my checking account. It was denied by this firm as being a legitimate account despite me having an XXXX XXXX credit score. The information provided to XXXX is incorrect and not accurate. When I called the firm above to inquire as to what is going on, they forced me to indicate whether I was over XXXX XXXX XXXX or not and then tried to sell me a medical insurance policy. This is not a legitimate credit reporting firm. 

When submitted again, it seemed to have gone through but we will see if we get another disapproval letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of Identity Theft
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 14th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ME XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$670.00} XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX XXXXXXXX XXXX XXXX XXXXXXXX, ME XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$17000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$500.00} XXXX XXXXXXXX Balance : {$190.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$1300.00XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$670.00XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$260.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I had received a XXXX in XX/XX/XXXX from a collection account from Synchrony Bank/Gap and I filed it with my XX/XX/XXXX taxes. I had then called the company on XX/XX/XXXX to see if I can pay it off so my balance would be at XXXX and I would have no past due so my credit score would raise. When I called I was told that the loan was forgiven and that I did not have to pay it anymore. So I asked the gentlemen what do I do now? He told me to file a dispute with all three credit reporting agencies and state that the loan was " forgiven ''. On XX/XX/XXXX I had filed the dispute the all three credit reporting agencies and stated that I was told to do so by the creditor. 
On XX/XX/XXXX, XXXX contacted me and told me that disputed information was updated and that a change has been made on my credit report. The balance due and past due amount was now zero and the pay status and remarks now said that the account was paid in full. 
Then on XX/XX/XXXX I received an alert from XXXX stating that a account on my report had changed. When I called on Monday, XX/XX/XXXX I was told that Synchrony bank had updated my account again to show a balance and past due amount. XXXX  told me to call the company because they should not be reporting that since they had updated the account on XX/XX/XXXX. 
When I called Synchrony bank and spoke to a representative they told me that they had no knowledge of the account being changed to begin with. They told me again that the account was forgiven and that there was nothing I can do. They also told me that XXXX  was lying and they never updated the account to show a zero  balance and a zero past due. They did say that they did update it with an account forgiven. When I asked them why did XXXX  tell me that they are not allowed to update my credit report that only the creditor can do that they told me that XXXX was lying. 
I called XXXX right away and they sent me the original updated information from Synchrony to use in this dispute.
Product: Credit card

Capital One Bank offered pre-approved credit cards by mail with registration code. I applied online and got approved for XXXX cards, XXXX XXXX ( {$300.00} limit ) and a XXXX XXXX card for students with {$500.00} Limit. I charged things and paid off the whole balance on each card less then a week or two after purchase. I applied for a business card and was approved with a {$500.00} limit. Shortly, before the business card arrived, I setup Automatic payments for the current cards. When I attempted to make a payment, which was more then the minimum payment required, they cancelled the account and told me to wait for a letter in the mail. The Business Card arrived and it was cancelled before I tried to activate it! The accounts are cancelled but remain opened for additional payments and I can only pay the minimum balance. This activity has dropped my credit score XXXX points in one month.
Product: Debt collection

I was alerted of an account that was sent to collections ( Procollect ) on my credit report. After further investigation I found that my social security number was used fraudulently. I called Procollect to find out what steps I needed to take to erase this fraudulent debt off of my credit report. I sent the documents they requested and after a couple of days I received a call about other documents that needed to be submitted. I asked multiple times which documents where needed so that when I listened to the call recording Id be able to double check and submit what was needed. I have sent the documents 3 times already and have not heard back from them. They are giving me the run around and this is not my debt.
Product: Credit reporting or other personal consumer reports

Students loans amounts not correct, each credit bureau is reporting a different amount. When I asked for it to be removed from my credit report only XXXX honored my request. I would like for student loan information to be removed from all of the credit bureaus.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX  XX/XX/2022