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

On XX/XX/19 I was a victim of identity theft  when someone used my information to open a alternate XXXX  account. Since, I have disputed the information with a FTC report, Police report, and provided additional information to support my dispute. I requested that the credit bureaus removed or block this information under the 605B and it has not been done within the timeframe by law. I request the all 3 credit bureaus honor my request or FCRA violations will filed against each bureau for the violations.
Product: Credit reporting or other personal consumer reports

This credit union XXXX  also known as XXXX XXXX credit Union has consistently reported personal information to credit bureaus Equifax, XXXX, & XXXX without any prior disclosures to me or notifying me in anyway 15 USC 1681b- Permissible Purpose of consumer reports- ( 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.

I hereby put you on notice. I DID NOT GIVE YOU WRITTEN INSTRUCTIONS to report THIS ACCOUNT TO MY CONSUMER REPORT 15 USC 1681e ( b ) Compliance and procedures ( b ) Accuracy of report 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. 

How are you following reasonable procedures to assure maximum possible accuracy with this account reporting to my consumer report? Without Permissible Purpose, anyone paying for your reporting services could fax, mail or email fraudulent information to my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$170000.00} XXXX XXXXXXXX Balance XXXX {$4400.00} XXXX XXXX Balance : {$6.00} XXXX XXXX XXXXXXXX Balance : {$3000.00} XXXX XXXX XXXX Balance : {$10000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested debt validation from XXXX about an account that is reporting inaccurate information on my credit report. XXXX XXXX  ACCT ; XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 


I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX XXXX  XXXX
Product: Student loan

Navient is currently charging off multiple account on my credit for the one student loan I took out. The servicer constantly harass me by calling my phone everyday multiple times a day, even after my loan went into default and they started garnishing my wages. I informed them I did not appreciate the phone calls and I would sue if they continued. They continued to contact me and were extremely rude when I informed them I would sue them if they continued to harass me. One of the representatives even stated " Who are you going to sue? The Federal Government? ''
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows a payment deferred status with on my XXXX XXXX account. I notified all 3 credit reporting agencies and the status has not been changed. I called XXXX XXXX and they advised the credit reporting agencies to remove that status. The credit reporting agencies have not complied.
Product: Mortgage

My wife and I are building a home in XXXX XXXX XXXX and we went to BB & T for a construction loan. We disclosed to the loan officer in XXXX of 2015 all of the conditions of our construction plans. We also disclosed that we had started construction and were going to build with {$200000.00}. of our cash of the {$360000.00}. estimated total cost. We disclosed that we owned the land outright. Our loan officer, XXXX XXXX, indicated that BB & T would be happy to make the loan after our initial submittal of tax returns, financial statements, retirement account statements, etc. 

Then the endless delays began in the processing of our application. We have been askedthree separate times to update information between XXXX and XXXX. Every time we have updated information for the bank, we experience one to three week delays then receive new requests. 

We explicitly requested that BB & T not move ahead with the appraisal unless they were confident that they could make the loan to us. When they ordered the appraisal and we paid for it, we took this as an indication that our loan was approved. We have never been told that we did not qualify for the loan yet we have never received anything in writing to confirm the loan approval. 

The closest we came to an approval was a request by BB & T to set a closing date on XXXX XXXX 2015. Mysteriously, the closing date was cancelled. No new closing date has been scheduled. 

Each time BB & T requires new information, and we provide, weeks pass with new requests coming. We received an email today, XXXX XXXX requesting information provided to the bank last week. 

Each time we lose our patience, and ask if we have been rejected, they say no, thay are eager to make this work. But there is no end in site. 

We have now spent our planned cash expenditure and are in need of the loan to continue the construction which is 62 % complete.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to Experian about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely frommy Credit Reports : XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$1400.00}
Product: Credit card or prepaid card

On XX/XX/2021, I purchased 2 tickets using my Wells Fargo credit card for flight for XXXX. The transactions werent going through with the phone representative, so I got on the phone with wells fargo to help the transaction go through. It finally did once XXXX individual tickets were purchased. However, I was charged for the XXXX separate tickets as well as the larger transaction for XXXX tickets. I reported the error to Wells Fargo and they opened a claim. However, they closed the claim since the amounts did not match. I reopened a claim. The claim was closed again. This cycle has repeated. This has not been resolved for going on 4-5 months now and Wells Fargo is not resolving the issue and instead making me reopen a claim they will not solve just close again triggering the 120 days they have to look into the claim. They owe me over {$2000.00}. My claim number with Wells Fargo is : XXXX
Product: Credit reporting or other personal consumer reports

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



XXXX - Account Name : XXXX XXXX  XXXX Account # XXXX XXXX - Account name : XXXX XXXX  Account XXXX XXXX XXXX - Account Name : XXXX XXXX Account # XXXX XXXX - Account Name : XXXX XXXX Account # XXXX XXXX - Account Name : XXXXXXXX XXXX Account # XXXX XXXX - Account Name : XXXXXXXX XXXX  Account # XXXX XXXX - Account Name : XXXX Account # XXXX XXXX - Account Name : XXXX XXXX Account # XXXX XXXX - Account Name : XXXX  XXXX XXXX Account # XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX - Account # XXXX XXXX - Account Name : XXXX XXXX XXXX - Account # XXXX XXXX XXXX Account Name : XXXX XXXX  XXXX - Account # XXXX XXXX XXXX Account Name : XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account Name : XXXX XXXX Account # XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account # XXXX XXXX XXXX Account Name : XXXX XXXX  Account # XXXX I looked at my Equifax credit report on XX/XX/year> 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 suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 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 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. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$2200.00} XXXX  XXXX Balance Owed : {$4000.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$660.00} XXXX  XXXX XX/XX/2023
Product: Credit card or prepaid card

On XX/XX/XXXX, I received an alert that my Chase card ending XXXX that someone was trying to charge {$1100.00} from a company called XXXX. I called immediately and report the fraud and closed the account. The amount stayed pending and I called because I was getting emails to confirm the purchase. I was told to ignore the emails and delete them because it could be virus or hacker. On XX/XX/XXXX Chase posted the amount. 

I have been calling at least once a week regarding this. The customer service representative are polite, but I keep getting letter saying that the amount of {$1100.00} is my responsibility because services were rendered. I can not get a hold of XXXX and the last representative I spoke to on XX/XX/XXXX, could not reach the company either. 

I have done my due diligence in protecting my card and reporting the fraud. They said the company had my email, XXXX and information. I told them that on had received alerts that my email was compromised. My husband on XX/XX/XXXX had someone try to charge travel on his XXXX card, he called and that situation was handle. 

My question is why would I use a company I have never heard of to purchase airline tickets on XXXX? I would use the companies website. I never boarded a XXXX flight to XXXX and never confirmed the tickets. I just know I am responsible for a purchase I did not make and they are now asking me to provide evidence. I don't know what evidence I can provide and I need help. Thank you so much.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 inquiries on credit report made by XXXX  XXXX on XX/XX/20 and XX/XX/20. I did not authorize these inquiries so therefore it is fraud. Obviously these inquiry dates are fraudulent because the dates are too close in time and that should have been looked at as fraud.
Product: Credit card

pass complain XXXX i have talked to the collection s on several calls for ID fraud and never received the forms. i I am asking that they remove the negative information and closed the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : EMPLOYER : XXXX  2. there is some inaccurate information reporting. XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 3. Identity Theft XXXX XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted 4. The following personal information is incorrect Account Number : NAME : XXXXXXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX
Product: Debt collection

XXXX reduces my credit score and failed to prove why. I have not applied fir any credit. I paid off a debt. My score should have increased instead of decreasing. Where do I report XXXX because it appears that the CFPB is useless. 

I have always been told that creditors and reporting agencys target XXXX I feel XXXX decreases my credit score in an effort to prevent me from having a good score when Portfolio Recovery falls off. 

It appears to me that this company is unfairly tampering with the credit scores of consumers with poor credit to make money. I personally think this is how this company makes money. 

Due to the fact that the CFPB takes no action against them and allows them to govern themselves and the outcome is the reason so many people are homeless age without transportation. 

Portfolio recovery us illegally coming after me fir a debt that has been discharged years ago. Portfolio recovery is not being honest about the open date.
Product: Debt collection

I have a collection account on my credit report that does not belong to me. I am a victim of identity theft and would like this account remove. I have spoken with the credit bureaus and they have refused to remove this fraudulent account from my credit report.
Product: Debt collection

Aargon Agency inc has an inconsistent credit file on my credit profile for XXXX, while the other bureaus don't report any collections. The creditor is attempting to force me to pay incorrect and false debt to Creditor. After only opening up my credit file again, I noticed that this has been opened since XX/XX/2018.
Product: Credit reporting or other personal consumer reports

Good Day I am writing to dispute an unauthorized/fruadlent inquiry on my Experian credit report. I retrieved a copy of my credit report from your organization on XX/XX/XXXX and noticed a credit inquiry that I did not authorize. 
i want file fruad alert on my credit since too, i didn't file or /apply for any credit line/card/loan XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX date XX/XX/XXXX XXXXXXXX XXXX XXXX  inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX  XXXX. 
XXXX date XX/XX/XXXX XXXX XXXX XXXX date XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have taken a look at my credit report which has caused some confusion. I used my social security number/card defined under 15 USC 1602 ( l ) to extend credit with Helm Associates to obtain a vehicle. I am a natural person, a federally protected consumer, and the original creditor defined under 15 USC 1602 ( g ). The vehicle which is subject to the transaction was used primarily for personal, family and household purposes. Helm Associates has engaged in extortion and racketeering activity defined under Title 18 Chapter 42. Helm Associates has violated my consumer rights : -15 USC 1602 ( k ) : I was not informed on the cost of credit. I never received written adequate notice that sets for the pertinent facts for this consumer credit transaction -15 USC 1601 ( a ) : Congress makes it clear that consumer credit would be strengthened by the informed use of credit. The only decision I was given after the consummation of the transaction was to make payments without penalty which is a violation of 18 USC 880. The decision I made in connection to this transaction was uninformed.

-15 USC 6802 ( b ) ( 1 ) ( B ) : I, the consumer, have never been given the opportunity to direct that my nonpublic personal information should not be disclosed to nonaffiliated third parties such as XXXX, XXXX and XXXX. Nor was I given an explanation on how to exercise the nondisclosure option which is a violation of 15 USC 6802 ( b ) ( 1 ) ( C ).

-15 USC 1681a ( d ) ( 2 ) ( i ) : the term consumer report does not include a report containing information solely as to transactions or experiences which means a repossession should not be furnished on my consumer report -15 USC 1666 ( a ) ( 2 ) I am aware that all extensions of credit are tied to my social security card and that the United States is obligated to all debts under 18 USC 8. Helm Associates has caused harm by illegally repossessing my vehicle and by furnishing inaccurate information on my consumer report. I am requesting additional clarification in regards to the billing errors under code 15 USC 1666 ( b ) ( 2 ) documentary evidence under 15 USC 44 includes books of account.
Product: Checking or savings account

PNC Bank ( PNC ), XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ( www.pnc.com ) and it's representative allowed an unknown caller to change my address and add two additional phone numbers two my accounts on XX/XX/2022. Then through PNC normal processes, XXXX Credit reporting agency was updated with this fraudulent information. I was made aware of the issue through XXXX XXXX and XXXX XXXX XXXX of this change to my credit report on XX/XX/2022. A letter was received from PNC on XX/XX/2022 letting me know my address had been changed with no mention of the two phone numbers being added to my account.

After talking to PNC, although this was not an online or internet breach, I did change my UserID and Password and corrected the address on the accounts and deleted the two phone numbers. The address change was only made on two of multiple accounts I have at PNC. Those two accounts however represent XXXX XXXXXXXX of open line of funds. PNC did create a case, XXXX, to investigate the situation. They will update me in two to three business days as to their findings. A letter was sent to PNC requesting they remove the incorrect information and update my XXXX and any other credit bureau where this information was entered. 

My concern is the lack of operational controls where, based on what we know at this point, an unknown individual can provide what is considered " enough information '' to verify my identity to make the stated changes. On my account is my wife 's and my cell phone numbers where a text could have been sent with an authorization code for the PNC representative to move forward. Sending an authorization code has happened multiple times in the past with PNC when validating my authority. Although PNC does not consistently do this verification process, this step might have circumvented this situation from occurring. 

From an operational and procedural controls perspective, there should be stronger processes in place to ensure my and other PNC customers do not have fraudulent activity taking place. As the control mentioned above would have been a step in potentially preventing this situation and more controls should be identified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these accounts and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is in violation of the Fair Credit Reporting Act for their refusal to remove an invalid and illegal tradeline from my credit report. The illegal tradeline in question is XXXX XXXX. The alleged account is illegal under The Florida Consumer Finance Act, Title XXXIII, Chapter 516.02 which states : ( 1 ) '' A person must not engage in the business of making consumer finance loans unless she or he is authorized to do so under this chapter or other statutes and unless the person first obtains a license from the office. '' As validated by the FL Department of Business Regulation, XXXX XXXX  does NOT hold a valid license to offer loan products in Florida. By this statute alone, this alleged debt is invalid. Chapter 516.02 ( 02 ) further states : " A person who is engaged in the business of making loans of money, except as authorized by this chapter or other statutes of this state, may not directly or indirectly charge, contract for, or receive any interest or consideration greater than 18 percent per annum upon the loan. A loan for which a greater rate of interest or charge than is allowed by this chapter has been contracted for or received, wherever made, is not enforceable in this state, and each person who in any manner participates therein in this state is subject to this chapter. '' The alleged XXXX XXXX  account is listed as having an interest rate of 314.24 %, which also renders the tradeline " not enforceable '' under the law, and thereby illegal to be listed as valid debt by TransUnion.

This account is invalid under FL state law. It is being illegally reported by an unlicensed online lender in an attempt to extort payment. TransUnion remains the only CRA that has not removed this tradeline based on it's multiple violations of the law. The FCRA requires credit reporting agencies to remove invalid information from credit reports. The Florida Consumer Finance Act renders this tradeline invalid by law. TransUnion must remove it or remain in violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up 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 items 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, KY XXXXXXXX XXXX XXXX XXXX KY XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$7100.00}, XXXX XXXX XXXXXXXX Balance : {$4000.00}, XXXX XX/XX/XXXX