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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Inquiries : XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted several disputes with each credit bureau. I have been a victim of identity theft and as a result my personal information was used and compromised. Several accounts showing on my credit report are listed as a result of identity theft. I have contacted XX/XX/XXXX and they are refusing to remove these fraudulent account as well as TransUnion and I am not able to gain access toXX/XX/XXXXso that I can dispute these fraudulent accounts with them as well. I have submitted a verified police report as well as an FTC affidavit as verification of being a victim of identity theft. When contacting XX/XX/XXXX I was told by a representative of the Specialized Fraud Department, that once a dispute is submitted and the company says that the account is yours they will not remove it. This has caused me a major hardship, because my information was stolen and I have been victimized.
Product: Debt collection

To whom it may concern, I received my free credit report and have noticed discrepancies on a reported charge off account that violates my FCRA rights ( Fair Credit Reporting Act ) I have highlighted my concerns in the .pdf attached and ask that due diligence is done to confirm the validation of this debt. I have previously requested information from this collection agency and have in return received repetitive robot-like replies basically saying " take my word for it. '' I have not received real credible evidence including but not limited to : a signed contract, and the I.D provided at the time of contract signing. I've been made uneasy by the sloppy account keeping. I have provided FTC identity theft reports to this agency as well, per their request. They did not care and proceeded to ignore my request for deletion. I have spent months now attempting to work alongside the collection agency and have gotten nowhere. They refuse to provide me with valid information confirming the accuracy of the reported account. I am requesting that Equifax take control of the situation and determine the credibility and legality of this account by validating this debt. Across all three bureaus are inaccurate and contradictory reporting such as payment history, and account status. I would imagine that payment history and account status are the two most important attributes of an account on a credit report. Assuming that is the case, why are my accounts being reported this way? How can a person pay 94 % of payments on time while simultaneously reporting 0 % payments made ( all payments missed )? This is not ok, this is not legal, and should be fixed ( deleted from my account. ) Equifax reports 94 % of payments made on time whereas XXXX reports 0 % of payments made on time. XXXX 's payment history is void yet reporting as open, the same as the Equifax report which has the 94 % payment history. All of this will be highlighted in the attached .pdf document for easy viewing. It is my understanding that accounts that are not accurately and consistently reported are in violation of my FCRA rights and if this debt can not be validated. XXXX XXXX
Product: Credit reporting or other personal consumer reports

Due to the recent news that there's a likelihood that many individuals ' social security numbers were hacked and possibly in the possession of bad actors I wanted to freeze my credit file with Experian ; however, I was unable to login. It was not due to incorrect user name or password, but rather a modal popped up prompting me to call them for " Membership Support ''. I tried to call the phone number that was provided XXXX, b

ut was not routed to any human agent despite many efforts of pressing numbers on my number pad and trying to explain to the automated robot what I was needing assistance with. First I tried login issues- they automatically reset my password ( which I didn't ask for ) and even once I reset my password I again received the " Contact us for Membership Support ''. I tried to call again, this time opting for the " Membership '' but they gave me an unhelpful link. Eventually I was able to prompt them for " Freeze Credit '' hoping to speak to someone ; however, they automatically froze my credit without verifying my identity. This is especially concerning because if my SSN has been exposed to bad actors then anyone could freeze my credit and receive my PIN to unfreeze which essentially could be leveraged similarly to ransomware. This adds undue risk to consumers and requires reassessment.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX account number : XXXX, XXXX account number : XXXX, XXXX account number : XXXX, XXXX account XXXX, XXXX  XXXX account number : XXXX, XXXX  XXXX account number : XXXX, XXXX XXXX In accordance with the fair debt collection practices act. Debt collectors are not allowed to communicate with me under the 15 usc 1692c.

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 an 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, credit repair services, or other personal consumer reports

THE FOLLOWING INFORMATION YOU GUYS HAVE ON FILE IS WRONG, PLEASE UDATE THIS INFORMATION ......
Product: Credit reporting, credit repair services, or other personal consumer reports

My issue is with Equifax, there was a Fraudulant Account on the Credit reports. I Disputed with XXXX XXXX and they determined we did not take the account out ( Identity Theft ). XXXX submitted, on or about XX/XX/22 to all 3 Bureaus to delete the file due to Fraud. XXXX and XXXX deleted and restored my credit scores. Equifax determine the account belonged to us, but this is not accurate since the Lender had determined it was Fraud and not our account. I contacted Equifax by phone on XX/XX/22 put on hold for 35 minutes and then having to get a Supervisor, I was told I would have to file a new dispute and upload the Document from Upgrade. I reluctantly did this ( not happy for more delays restoring my credit ). When trying to Upload the doc. to Equifax, the site said it could not and after trying 4 times I saved and sent the dispute in, but without the Document I am sure nothing new will be done. I tried to find a different way to get the Doc to them, but could find no way to do this or any way to get to a real person. I am at a loss as to how to get this finally resolved. I have already had 2 of my Credit Cards, reduce my credit line due to these reported lates ( on the Fraudulant account ) and low credit score.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX, Transunion, and XXXX explaining to them that there were accounts on my report that I never gave written consent to be placed on my report. These letters were all sent out to these three reporting agencies on XX/XX/XXXX. It has almost been a month since this letter has been sent and many of those accounts remain on my reports. Pursuant to 15 USC 1681 ( o ) it states that my consent was supposed to be provided to any companies reporting to these agencies. I never consented to these being placed on my report.
Product: Debt collection

These XXXX individuals contacted me with deceptive collection practices claiming that I had an outstanding debt that they were taking me to court or filing in court. The first time I advised the individual to give me his contact information and to only correspond via court documents within the confines of the Code of Civil Procedure. Another contacted me about a year later stating the same thing. I have received no court documents and they violated the State of Texas XXXX XXXX by sending Electronic data as they sent these emails. Data that had nothing to do with me or my email account. They attempted to breach into my account and load it with emails from XXXX dating websites and I begin receiving emails from places that I never signed up to receive documents for.
Product: Debt collection

Pinnacle Credit Services has violated fair collection processes egregiously with me. 
I have attached the original documentation plus faxes sent to all parties1. Pinnacle is not the original creditor. 
2. Pinnacle is reporting as an original creditor on more than one of the credit bureaus ( FCRA Violation ) 3. As they are reporting to all 3 bureaus, this debt will continue reporting until XXXX XXXX. XXXX, XXXX statute of limitation for suit passed as of XXXX XXXX. XXXX, the standard of XXXX XXXX XXXX for accuracy of demand on time barred debt applies to all communication to me. ( Demand attached ) 4. A debt buyer hired by Pinnacle XXXX XXXX XXXX offered me a settlement on an out-of-statute account contrary to XXXX XXXX XXXX XXXX XXXX. XXXX attached ) on XXXX XXXX, XXXX. 
5. Pinnacle is now reporting to the bureaus, contrary to earlier reports, as being able to be reported until XXXX XXXX contrary to their earlier reporting as XXXX XXXX. 
6. Received a letter stating XXXX was closing the case and information submitted back to Pinnacle. 
7. I filed complaint with the BBB XXXX unanswered by Pinnacle XXXX attached XXXX. 
8. For a brief period after the BBB complaint, the bureaus reported this debt as a closed account which has been subsequently placed back onto my bureau report as an open account and Pinnacle as original creditor. 

I am requesting closing of the file by all parties and deletion from all bureaus anything related to this debt for a pattern of violationsSincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance Owed : {$2100.00} ; XXXX  XXXX Balance Owed : {$4700.00}.
Product: Credit reporting or other personal consumer reports

I am providing evidence that I have been impacted by the Equifax Data breach. 




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

I closed my account with XXXX XXXX XXXX and they are still reporting this as open and still charging fees. They refuse to close the account and remove the fees. I have contacted everyone about this once before. They are a predatory lending agency. They never stop charging fees even after the account is closed. After I closed the account I waited for a final statement in the mail. It never came. Instead they kept the card open and reported late charges. This is ruining my credit! I have asked them more than once to stop and remove the fees they sent me a letter saying they would take off XXXX! That is not acceptable At All! And they are still charging me showing an open account on my credit with all 3 credit bureaus!
Product: Credit reporting or other personal consumer reports

Within the next 15 days, I am obligated to update my credit reports. I am forwarding this complaint to you for the purpose of inquiring about the status of my previously submitted complaint dated XX/XX/XXXX. According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES are mandated to expeditiously remove any items in the consumer 's file that the consumer identifies as information resulting from an alleged identity theft, not later than XXXX business days after the date of receipt. They are also required to eliminate any items listed on an identity theft report with the reference number # XXXX. Kindly review the items detailed in this complaint and the preceding XXXX : -- -- -- -- -- -- -XXXX  XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX -- -- -- -- -- -- -XXXX  : XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance : {$37000.00} XXXX XXXX XXXX -- -- -- XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$37000.00} XXXX XXXX XX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX  XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The accounts XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX ), which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft
Product: Checking or savings account

TURN OF EVENTS 1. I receive an email from XXXX XXXX ( XXXX ) to XXXX  his son XXXX on XX/XX/2022, XXXX XXXX 2. This followed a further conversation on the email as has been provided. He said that he wanted to pay an advance for 12 sessions which would have amounted to {$420.00}, because I charge {$35.00} an hour. 
3. On XX/XX/2022 he emailed me that his attorney had sent a cheque to of the value {$1900.00}. He claimed that it was a mistake and the excess amount was meant for his nanny XXXX XXXX. 
4. I received the cheque via XXXX on XX/XX/2022. I tried to deposit it online via the PNC mobile app but the transaction did not occur. He said that his son was ill and he required the amount. So I sent out XXXX XXXX transactions to the id XXXX XXXX. One was for {$1500.00} and another was for {$420.00}. I had done this payment completely using my money since the cheque wasnt even deposited at that time. 
5. I deposited the Cheque on XX/XX/2022 and it showed on my account that the money was credited. 
6. I received a second cheque on XX/XX/2022 via XXXX It got deposited on XX/XX/2022 and it showed on my account that the money was credited. 
7. He once again asked me transfer the entire money to him. This time I sent out 2 XXXX payments and one XXXX payment only when it showed that the money was credited to my account. XXXX XXXX payment was to XXXX XXXX for {$500.00} on the id XXXX and the other XXXX payment was to XXXX XXXX for {$420.00} on the id XXXX. 
8. The first cheque got rejected on XX/XX/2022. 
9. The second cheque got rejected on XX/XX/2022. 
10. I received a third XXXX mail on XX/XX/2022. 
11. I was contacted via two phone numbers, XXXX and XXXX. 
THINGS THAT HAVE HAPPENED REGARDING THIS 1. I had filed a dispute for all the XXXX and XXXX transactions. 
2. There might be a time discrepancy because transactions are first shown to be pending and then they get posted. 
3. PNC Bank has completely frozen all my accounts even though I told them I didnt know that the cheque that I had received were fraudulent. 
4.I do not have any money currently because the bank didn't even give me access to my salary for the month of XXXX that was credited to the account days after the issue.
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. 
Account name ( XXXX ) : # XXXX, Account name ( XXXX XXXX ) : # XXXX, Account name ( XXXX XXXX  ) : # XXXX, Account name ( XXXX XXXX  ) : # XXXX, has violated my rights. 

I looked at my Transunion credit report on XX/XX/year> and noticed some things that were incomplete and inaccurate. According to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

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

and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( 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 obtained a copy of my credit report and noticed that there are XXXX inaccurate mailing addresses being reported. I called into XXXX and Experian and advised them that I am not associated with the addresses and any mail sent to them will not be delivered to me. They completely denied my request.
Product: Prepaid card

XX/XX/XXXX I identified a couple of fraudulent purchases were pending and notified Wisely via phone the same day and via chat. My available funds were frozen and remained frozen until one of the 3 transactions posted to card. The three transactions werre XXXX for {$0.00} two times ( testing card ) and {$270.00} to XXXX XXXX.They told me that it takes 90-120 days to get $ back. Wisely refused to remove the hold and could not provide auth # or any info to assist me with getting information from XXXX XXXX. I escalated to super and they stated they would but could not remove hold and I would receive funds on XX/XX/XXXX which is 5 days per Visa regs. They did not inform me of where to send written confirmation of error to receive provisional credit within 10 days when I notified then. On XX/XX/XXXX one of the 3 transactions posted and removed {$270.00} from my card balance. On XX/XX/XXXX I received letter with case # and telling me to complete form and send back within 10 days but again it did not provide me with my right to provisional credit if I provided written notice of error. Written notice was already provided on XX/XX/XXXX and again via chat re : XXXX again they confirmed receipt and stated 45-90 days before investigation would be complete. I also completed this form and emailed it XX/XX/XXXX to the email on the form but it bounced back as invalid email address. 
I notified them via chat in writing of all info and they confirmed it was received, yet they continue to state it will take at least 45 days to get $ back. They are holding my funds for no reason for a fraudulent transaction and not adhearing to the regulatory requirments under REG E, EFTA or VISA Regs for unauthorized/fraudulent transactions.
Product: Credit card or prepaid card

I opened an account with Citi Bank for their Citi Advantage card. I had to submit an application and i was subsequently approved. As part of the inducement to open an account Citi promised XXXX bonus miles if I spent {$2500.00} in the first 3 months of billing. I did, but now, for the first time< Citi is saying I'm intelligible because I had a prior account in the last 48 months. No where was that included in Citi 's promotional materials. This failure was intentionally misleading. If that was a condition of the credit offer it should have been disclosed in the advertising when the promotion was made, It was not. I believe Citi should be required to provide the promised XXXX miles.