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

Base on, 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 3 business days 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 as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 16816 - Permissible purposes 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 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 listed IMMEDIATELY. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Two different account numbers and charges. 
XX/XX/2019 amount owed is {$360.00} XX/XX/2019 amount owed is {$330.00} Neither one of these are mine. I have filed an identity theft report
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like my current address to be updated to XXXX XXXX XXXX XXXX, XXXX XXXX Texas XXXX. It is currently reporting as XXXX XXXX XXXX XXXX, XXXX XXXX Texas XXXX. Also I would like to get all other addresses removed from my report.
Product: Credit reporting 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. 
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 XXXXXX/XX/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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Below I have listed a large number of inaccuracies on my consumer report. The credit reporting agencies have been notified by mail and by phone call. I should not have to debate nor argue over incorrect information listed on my report. I've asked Experian, XXXX, and XXXX to provide proof any of the below inaccuracies are mine. Under 15 USC 1681a ( e ) investigative consumer report the reporting agencies should not list anything factual or about me as a consumer. In order to validate anything to place on my file it must first be verified by a neighbor, family member, or friend that knows of such knowledge. I gave none of the listed companies permission to use my social security account number to open, apply or inquire. I demand for all listed below to be removed immediately.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I am planning a trip to XXXX for the school. They did not allow us to use their credit cards so I had to pay the airline with my credit card. The auditors don't want the check to be written to me. They write it to the credit card company. I have to wait for the charge to appear on my card and then print out a receipt, fill out paperwork and submit to the office. The class treasurer, the principal have to approve the disbursement. Then the secretary writes the check. They do this process once a week so if you don't get it in before that week you have to wait until the next week. Then I have to go to the post office and mail it. My due date was XX/XX/XXXX. I went to the post office so I could mail it certified mail on Tuesday XX/XX/XXXX. It was getting mailed to a place less than a XXXX XXXX XXXX from my house. I also have the return receipt. The credit card company posted interest from it being late on XX/XX/XXXX. They charged me {$530.00} and change. I called on XX/XX/XXXX the first time and was given the run around. I called back on the XXXX and was told it was declined. I called back again a few days later and another woman told me it was escalated and they were waiting for an answer. It should take 7 - 10 days. As of today XX/XX/XXXX I have not had an answer. I asked them to drop the interest charges because the school will not pay it. I paid the entire amount off that I had charged.
Product: Checking or savings account

Are checking account have been hack. From the month of XX/XX/XXXX our checking account have been hack. The bank notified us that their were some unusual activity in our checking account. The checking account was closed and a new card with new checking account number was issued this happened 3 more times. On XX/XX/XXXX my wife received a letter from Wells Fargo indicating that her dispute of {$520.00} was overturn and that the provisional credit will be deduct the said amount. I called the bank and spoke to XXXX and then to XXXX XXXX, because I did not call for any file a claim in the first place I asked XXXX XXXX, was my voice recorded, did the bank call me or try to reach. She said no we know it was you. The amount stated is a car payment to XXXX XXXX XXXX this amount is being deducted every month since XXXX. I feel violated someone call and made this phony claim and Well Fargo Bank with my knowledge and authorization process the claim. They should have call me, text me, email me or my husband. but instead took the claim and process it. This is clearly a breach of contract and privacy policy
Product: Credit reporting or other personal consumer reports

IVE BECAME AWARE OF THIS THESE FRAUDULENT ACCOUNT WHILE GETTING MY CERDIT RUN FOR A APARTMENT THEY TOLD I HAVE SOME ACCOUNTS I NEED TO ADDRESS BE FOR BEING APPROVED AFTER THAT I REALIZE IVE RELAIZE IVE BECAME A VICTIM OF IDENTITY THEFT I DIDNT NOT NOR HAD ANY KNOWLEDGE OR AUTHORIZE NO ONE TO USE MY IDENTIY IM TRY TO RECTIFY THIS ISSUE CAUSE THESE NOT MY ACCOUNT XXXX AND RADIUSGLOBAL
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX-Balance {$0.00} XXXX-Balance {$0.00} XXXX XXXXBalance {$10000.00}
Product: Debt collection

A collection agency named Penn Credit has continuously contacted and harassed my elderly parents by phone in order to get information from them concerning an alleged debt that does not belong to me. Wen I attempted to explain this to them they just asked when I would be able to pay the debt and did not want to hear my explanation.
Product: Mortgage

I HAVE A LOAN WITH PNC AND THEY ARE REFUSING TO GRANT MY DEED IN LIEU AND ARE REFUSING TO GIVE ME ANY RELOCATION ASSISTANCE WITH MY DEED IN LIEU. I HAVE SENT THEM THE DEED AND I AM ENCLOSING THIS GRANT DEED AS WELL.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account # XXXX is a fraudulent account and has been reported multiple times to XXXX XXXX and TransUnion telling them to delete it since it isnt mine. I keep getting canned responses claiming that this account does belong to me. However they refuse to provide such evidence. I have filed a police report, ftc affidavit and submitted proof of my identity. However they continue to claim there is no fraud. I dont know how I have to get it through their heads. That it couldnt have been me because I wasnt available and the person living at my house may have used my information. Again XXXX XXXX refuses to provide the documentation that they claim they have and I believe its because they really dont have the said documentation. I will upload my files to this complaint and go from there. This isnt fair that a company can claim they have done an investigation yet refuse to support it in anyway. ID, proof of address also attached. The only acceptable solution is to delete this account. Heck I have yet receive a 1099 either yet XXXX XXXX claims it has been charged off. I want to see the evidence that you have.
Product: Debt collection

Thank you for submitting documentation that clearly reflects, on page 5,  that the administration fee was NOT non-refundable. Now that you have provided documentation that proves you fraudulently placed that erroneous debt on my credit bureau reports, when are you going to remove it? You should be ashamed of the way you are harassing me with a debt I do not owe and unethically refusing to remove it from my credit bureau reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

The creditor Avant is reporting my account with them as included in bankruptcy. I believe this is a violation of the law since the account and all reporting was stopped as of XX/XX/2014. 
Adding a negative remark once in bankruptcy is a violation of the bankruptcy laws for reporting of creditors to the credit bureau.

I also asked for proof of this being my account since I have had multiple accounts that were paid in full and they have refused to send me a signed contract as proof this is a different account and not a duplication of one of the paid accounts I have had with them. There payments made according to the credit report but the paperwork sent to me shows the payment schedule but no payments received by them. 

Thank you
Product: Debt collection

The credit bureaus refused to provide you their MOV ( Method of Verification ) for ( JEFFERSON CAPITAL SYSTEMS ) listed on my credit report according to FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) which states : if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of the information contacted in connection with such information, and the telephone number of such furnisher, if reasonably available. FCRA 611 ( a ) ( 7 ), which is used for such a request, states : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. They have deleted it off my XXXX Report but wont delete off XXXX, or XXXX. They haven't provided any information at all showing the debt belongs to me no Contractual agreements or my wet signature showing me responsible for the debt or this account XXXX EVEN OFFERED ME CELL PHONE SERVICE IN XX/XX/2022. IF I OWED THEM MONEY WHY WOULD I BE ELIGIBLE.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX  SSN : XXXX DOB : XX/XX/XXXXXXXX  Dear Sir/Madam, I hope this letter finds you well. I am writing to seek your assistance in resolving a matter of utmost importance concerning my credit report. I believe my consumer rights under the Fair Credit Reporting Act ( FCRA ) have been egregiously violated by the following creditors : XXXX XXXX Account Number : XXXX Violations : Reporting Inaccurate Information Applicable Law : FCRA Section 611 ( a ) XXXX XXXX Account Number : XXXX Violations : Reporting Inaccurate Information Applicable Law : FCRA Section 611 ( a ) XXXX Account Number : XXXX Violations : Reporting Inaccurate Information Applicable Law : FCRA XXXX XXXX ( a ) XXXX | XX/XX/XXXX Violations : Unauthorized Inquiry ( Potential Fraud ) Applicable Law : FCRA Section 604 ( a ) ( 3 ) ( B ) XXXX Account Number : XXXX Violations : Reporting Inaccurate Information Applicable Law : FCRA Section 611 ( a ) XXXX  | XX/XX/XXXX Violations : Unauthorized Inquiry ( Potential Fraud ) Applicable Law : FCRA Section 604 ( a ) ( 3 ) ( B ) XXXX  Account Number : XXXX Violations : Reporting Inaccurate Information Applicable Law : FCRA Section 611 ( a ) XXXX | XX/XX/XXXX Violations : Unauthorized Inquiry ( Potential Fraud ) Applicable Law : FCRA Section 604 ( a ) ( 3 ) ( B ) XXXX | XX/XX/XXXXXXXX  Violations : Unauthorized Inquiry ( Potential Fraud ) Applicable Law : FCRA Section 604 ( a ) ( 3 ) ( B ) XXXX XXXX Account Number : XXXX Violations : Account Not Belonging to the Consumer Applicable Law : FCRA Section 611 ( a ) XXXX XXXX | XX/XX/XXXX Violations : Unauthorized Inquiry ( Potential Fraud ) Applicable Law : FCRA Section 604 ( a ) ( 3 ) ( B ) These creditors have committed these violations, which have had a profoundly distressing impact on my life. Allow me to share a detailed and emotional personal story to illustrate the toll this situation has taken : I am writing to request the full enforcement of the FCRA and the removal of these unverified accounts from my credit report. These inaccuracies have not only compromised my financial well-being but have also had severe emotional and psychological consequences. I implore the CFPB to take swift and decisive action in rectifying these violations and holding the creditors accountable for their actions. 

I kindly request that the CFPB investigate this matter thoroughly and ensure that my consumer rights are upheld. I also request that you communicate with the creditors involved and compel them to remove the inaccuracies and unverified accounts from my credit report without delay. 

Thank you for your attention to this matter. I look forward to a prompt resolution that will alleviate the burdens I have endured due to these violations. 

Sincerely, XXXX XXXX
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. 

DEPT OF ED / XXXX Account # XXXX DEPT OF ED / XXXX Account # XXXX 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
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681 ( i ) - failing to conduct thorough investigations 15 U.S. Code 1681 ( i ) - if XXXX ignored previous evidence that you sent for your dispute! 
15 U.S. Code 16810 ) - if XXXX reinserted previous information on your credit report! 

15 U.S. Code 1681 ( i ) - XXXX failing to investigate a previous dispute within 30 days. 
15 U.S. Code 1681 ( i ) - XXXX failing to review all relevant documents that you sent with your disputes as evidence 15 U.S. Code 1681 ( i ) - XXXX not properly conducting investigations and removing inaccurate or incomplete items
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I received an XXXX alert stating that I opened two student loan accounts in the amounts of {$750.00} and {$430.00} via EdFinancial Services on XX/XX/XXXX. However, I am not in school, nor would I ever voluntarily put myself in student loan debt. 

That same morning ( XX/XX/XXXX ), I called the company twice and was able to speak with a representative on the second attempt. I explained the situation and the representative stated that someone in Indiana had filed in my name using my information. She collected my information and stated that she would send me documents via email and carrier mail to correct the issue.

However, this has not occurred. 

I've called back several times ( since there is no customer service email ), but was unable to successfully reach another representative. I then filed a dispute via XXXX twice, but both times they claimed that the original lender has " verified '' that the information they received in correct and the loan is valid -- - which, of course, it would be, seeing how the person who secured the loan was succesful in doing so by using my information. I have since had my credit line frozen. 

I have also filed an Identity Theft Report via Identity theft.gov, the XXXX, and an online Police Report but as of XX/XX/XXXX, EdFinancial Services have yet to correct their illegal mishap. 

I'm a resident of North Dakota, but I have been working at XXXX in XXXXXXXX XXXX XXXX XXXX XXXX XXXXince XX/XX/XXXX. I have never lived in Indiana, nor would I ever. I have also never traveled there, nor have I ever passed through it. I would never put myself in student loan debt, but it seems that someone has, and because they have my information, I'm afraid that they will be able to do so again.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd Attempt with trying to correct information on my credit report from Transunion. None of these account belongs to me. I attached documents showing that all of these iusses must be resolved.
Product: Credit card or prepaid card

I have been trying to pay my XXXX XXXX and my XXXX XXXX XXXX  XXXX credit card payments since XX/XX/22 and have not been able to login to the website, contact them by phone ( the recorded message just tells you to call back at alter date ) or use the XXXX they have said to use. First I kept getting a blank screen, then when it did come up, it said it couldnt locate my account information. I have tried every day since and I have also posted to their XXXX page and received the same message they are sending everyone else. Here is what I copied from that response : We know the recent system outage has been frustrating and we will work to ensure a fair resolution for impacted customers. Were waiving late fees for customers whose payment due date fell between XXXX XXXX XXXX. Those customers inability to make a payment will not affect their credit score. In the event outages impacting customers ability to make a payment extend beyond XX/XX/XXXX, we will extend the late fee waiver and the pause on credit reporting accordingly. We will continue to work on restoring your ability to manage your account the way you want, and deliver the quality service you expect. Additionally, we're experiencing higher than normal call volume, but our representatives and automated systems are working hard to take all calls that are coming through. Please try calling us again at your earliest convenience to submit your payment. Thank you, They say this is a result of a system update but I never received a notice of an update and the only notice of an outage or update on this outage I have received is from XXXX or XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. No consent is fraud. Please see these accounts are removed from my account. They are fraudulent & are impacting my ability to gain credit. 
XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX
Product: Credit card or prepaid card

I am writing about a credit card charge that I disputed to Barclaycard and was denied. The case number for Barclaycard is # XXXX. The Transaction date of Saturday, XX/XX/XXXX and Post Date of Monday, XX/XX/XXXX. The charge is listed as XXXX XXXX in the amount of {$3300.00}. 

This reserved a XXXX for XX/XX/XXXX-XX/XX/2020 in XXXX, XXXX. Due to the COVID-19 crisis, my flight was canceled and travel is not practical. On XX/XX/2020, I attempted to cancel the reservation and subsequently called and pleaded with them for any opportunity. In the original dispute, I outlined my many attempts to receive a refund or even credit for the transaction. Their own policy states that customers should receive a refund or credit for a future stay. However, XXXX did not hold up their end of the contract to render services based on the money that I paid. XXXX did eventually offer me a very small refund of service fees and a portion of the host charge, which are the refunds in my account ( {$240.00}, {$230.00}, {$0.00} ). However, XXXX allowed the property to become unlisted and converted into a rental, violating their own terms and rendering no recourse for me as a customer that put down thousands of dollars. This is a clear example of service not rendered. 

Therefore, I tried to dispute the remaining charge of {$2800.00}. In light of the crisis and the fact that I am not even able to use the money towards a future credit by XXXX or the property managers actions of removing the listing, it is only fair that the money be returned to me. 

Unfortunately, Barclaycard denied by the dispute, despite the fact that the property owner broke their contract with XXXX and I was not offered any services.