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

I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals.

The following fraudulent accounts and inquiries have been identified as a result of this breach :. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I purchased from a merchant online. The transaction went through XXXX, was entirely in XXXX $ and was charged in dollars to my credit card by XXXX. The credit card company charged me a foreign transaction fee because the merchant was XXXX XXXX based. There was no way for me to know - or warning - that this was liable to a foreign transaction fee. Using the merchants XXXX site, paying in dollars, and through my XXXX XXXX account makes this deceptive.
Product: Credit card or prepaid card

Capital one in regards to my secure XXXX XXXX  # XXXX XXXX XXXX XXXX failure to except I know longer want to do business with them and PAID OFF CARD mysteriously they put on a charge leaving with a balance of four dollars and some change to conveniently stall my secured account refund and carryout the billing cycles to keep from refunding my money
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 : Sezzle INC Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX 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.
Product: Debt collection

Dipusted two accounts by Transfinancial on XX/XX/2018. I have no knowledge of these accounts. I disputed the accounts with amounts {$2000.00} & {$61.00} via certified mail. The company sent back ( XX/XX/2018 ) a reply that did not validate, break down the debt, or contain my signature. The FCRA gives the company 30 days to allow me to validate the alleged debt. Transfinancial failed to supply me with rightful information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir, Madam, I have an XXXX  account to monitor my credit scoring and other reports. I see that my credit card data is not showing anymore within my online account since XX/XX/2021. Before everything was fine and we have been working since long time to keep for more than 5 years excellent FICO score in between XXXX. I decided to call XXXX  and they said that I should myself talk to my bank, the XXXX XXXX, about the transmission issue. I tried also to enter in my accounts at Transunion and XXXX  but there I'm now even refused any types of information on my myself and my credit histories. I then contacted on XX/XX/2021 XXXX XXXX to have them investigate on the case and I explained XXXX XXXX what I was told by the XXXX  operator. Today after more than 30 calendar days I'm still without any result or even an explanation from both the bank and the credit bureau XXXX XXXX XXXX and XXXX  ). 

XXXX on XXXX XXXX Account Statement, the monthly downloaded pdf e-document, I do not see my FICO score anymore as the section keeps blank now. 

I need my FICO score urgently back and up-to-date again as we are the process of asking an XXXX XXXX loan for our partnership. This is vital matter for the company. 

Thanks for your assistance in this issue. 
CP. 
XXXX  : I've been a paid XXXX  client during 3 years.
Product: Credit reporting or other personal consumer reports

Portfolio Recovery Associates , LLC Disputes Department XXXX XXXX XXXX XXXX, VA XXXX Re : Account Number XXXX Dear Portfolio Recovery Associates , LLC, I am writing in response to a notice I received regarding the above-referenced account. Under the Fair Debt Collection Practices Act ( 15 USC 1692 ) and the Fair Credit Reporting Act ( 15 USC 1681 ), I formally dispute the validity of this debt.

I request the following information, as mandated by these laws : Proof of my legal obligation to pay this debt. 
A complete payment history and calculation of the balance. 
The original signed loan agreement or credit card application. 
Confirmation that the debt 's statute of limitations has not expired. 
Additionally, pursuant to the FDCPA ( 15 USC 1692c ( c ) ) and Regulation F ( 12 CFR Part 1006 ), I request that all telephone communication cease and that future correspondence be conducted in writing. 

Furthermore, under the FCRA, I insist that this debt not be reported to credit bureaus until the dispute is resolved. 

Failure to provide the requested information within 30 days should result in the removal of this debt from my credit report and cessation of collection attempts. 

Sincerely, XXXX XXXX. XXXX
Product: Mortgage

I had my loan transferred from XXXX to PHH ( www.mortgagequestions.com ) on XX/XX/2019 and closed on my property XX/XX/2019. Title company sent payoff ( amounts given by XXXX because PHH did not have my account on file and stated takes 7 days to create one ) on XX/XX/2019 via wire to PHH. On XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I called PHH to find out why the account still has a balance with the payoff sent on the XXXX and every single time I am put on hold for more than 30 minutes by the representative that they will look into it and then the line gets disconnected. Sent email via their contact form on XX/XX/XXXX and still no response. 

This lender ( PHH ) would not provide any information and I am worried that will get assessed fees, ruin my credit, and there are issues with the wire payoff. It is very frustrating not being able to get information on something that can affect someone financially and the lack of accountability and professionalism from the representatives. 

The phone number I try to reach them at is XXXX. 

Please tell me how can I take care of this issue without any further complications? 

Thank you in advance
Product: Prepaid card

I have 5 Visa gift cards issued by US Bank that were purchased from Kroger that are now almost impossible to use. Transactions are declined at normal stores like XXXX and Kroger. This was not the case in the past. They seem to have added rules about how the cards can be spent that are not disclosed, and which may have been designed to increase the likelihood that the funds are never spent at all. Additionally, the XXXX  website does not work, so I can not register the cards to be used online. It accepts my input of card number and security code, but then does not load a page for the card 's information. This may also have been by design to limit use of the card. 

These cards are so problematic, they have been completely removed from store shelves in my area and are no longer for sale. 

The purchase restrictions may not be compliant with the CARD Act.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX Equafax XXXX These companies are using fraudulent, deceitful, and Malicious practices to create Bias Consumer Reports. They also are using third parties to conduct investigations without consent. They are in violation of several consumer rights as referenced below : 15 U.S. Code 1681 15U.S. Code 6802 15 U.S. Code 1692
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I mailed off letter to XXXX, Transunion, and XXXX  about so many inaccuracies/errors throughout my entire credit report. So many inconsistent and inaccurate accounts and violations under the FCRA. I don't know which company is correct or inaccurate but I do know its too many inaccuracies and errors and the credit report should be 100 % accurate. I have not received a response yet at all Also, on XX/XX/XXXX I sent letter XXXX and XXXX  about the XXXX XXXX on my report and both are violating my XXXX Rights with these reporting. The bureaus need to be held responsible for the violations and inconsistent reporting. 

I have mailed a Demand to XXXX XXXX on XX/XX/XXXX for the bureaus.
Product: Debt collection

On XX/XX/2018 I requested that XXXX XXXX validate NOT verify a debt they are attempting to collect from me. I asked for a signed agreement and other supporting documentar. They provided me with billing statements which does not prove that I'm obligated to pay them anything. They have reported delinquent information to the credit bureaus that I'm asking to be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the account with Self Financial INCXXXXLead Bank  via the consumer reporting agencies on XX/XX/XXXX. The information came back verified and updated. Recently I have pulled my consumer report and noticed that Self Financial INC/ Lead Bank has been reporting a charge off to all credit reporting agencies as of XX/XX/XXXX. Self Financial INC/ Lead Bank  has never classified the billing error or provided the original instrument of indebtedness in order to lay claim to this alleged debt, instead Self Financial INC /Lead Bank charged off the alleged debt and furnished fraudulent information to the consumer reporting agencies as a mean to bring harm to mean and my financial reputation. This alleged debt was disputed well before it was charged off. Any and all money paid to this account shall be returned immediately by money order or cashiers check to my place of abode. I have reasonable cause to believe that the information furnished by Self Financial INC/ Lead Bank is inaccurate. I also have reason to believe Self Financial INC/ Lead bank is knowingly furnishing false and misleading information to the consumer reporting agencies as a means of committing unlawful extortionate means. This account is shown in charge off status on my consumer report with a balance. ( see attached ) I am aware that a charge off in accordance with 7 CFR 1956.54, is The writing off of a debt and termination of collection activity without release of personal liability. I never received a 1099-C for this account, so I have reason to believe that Self Financial INC/ Lead Bank is furnishing their gross income to the consumer reporting agencies. The continued reporting of this knowingly inaccurate information is a clear violation of 15 U.S. Code 1681s-2 of & 15 U. S. Code 1681e ( b ). I am also aware that if Self Financial INC/ Lead Bank has filled out a 1099 c form and its continuing any kind of collection activity as defined under 31 U.S code 3711 ( e ) by performing any of the following conduct, administrative offset, tax refund offset, referral to private collection contractors, referral to agencies operating a debt collection center, reporting delinquencies to the credit reporting agencies, pursuing litigation, you are committing tax fraud and should be reported to the IRS for fraudulent financial gain. Also I am invoking my right to refuse to pay this alleged debt and wish to cease further communication In accordance with 15 U.S. Code 1692 c ( c ).
Product: Checking or savings account

Ive been banking navy federal for years my account was closed due to over draft fees when I was enrolled in their over draft protection plan when I was trying to pay it off they double charged me and I wasnt able to pay it all off at once
Product: Money transfer, virtual currency, or money service

I went to the Wells Fargo ATM at XXXXXXXX XXXX to withdraw {$960.00}. The atm did not give me my money and the funds was withdrawed from my account. The bank refused to give me my money back and told me to file a claim.
Product: Mortgage

My mortgage company has always bought my homeowners insurance since I bought my house back in XX/XX/XXXX, they purchased it and also make payments through my Escrow account however I have always received a letter stating that I have coverage. Well I filled a claim after hurricane Ian hit XXXX XXXX Florida XX/XX/XXXX and now my homeowners insurance claims that the policy / contract that my mortgage bought under them has no coverage. And because they are the policy holder and not me or my spouse we arent entitled to nothing they have lawyered up and there attorney was the one who emailed us this information.so basically we are being scammed from our mortgage company the attorney stated that no payments were not made to the insurance company so there for there isnt money to claim. I have kept all my records pay bank statements and also insurance letters from when my coverage began end and started again. My policies as well for each year since my home was bought I never trusted that mortgage officer by the name XXXX XXXX.
Product: Credit reporting or other personal consumer reports

These accounts are in Direct Violation of the Fair Credit Reporting ( XXXXXX/XX/XXXX XXXX ), Under 15 U.S.C 1681 Section 602 ( A ) has violated several of my rights. It also states a consumer reporting agency can not furnish my account without my written instructions. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( XXXX ) days of the completion of your re-investigation. 

Additionally, please provide the name, address, and telephone number of each person contacted regarding these alleged accounts as per 15 U.S.C 1681. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation. Remove these accounts immediately as they are in violation of several laws under The Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX 
Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX OH XXXX. I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX NUMBER REPORTED PLEASE REMOVED FROM MY REPORT : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017, XXXX XXXX erroneously reported that four student loans allegedly incurred by me are 120+ days past due and the balances stated are incorrect. These liability on the loans and balances are presently in dispute and the subject of XXXX XXXX XXXX. XXXX in the United States District Court , District of Massachusetts. The subject of this lawsuit is that the loans were procured by fraud ; TILA disclosure statement violations ; and conversion and/or misapplication of payments by XXXX XXXX. Despite the issues raised, and disputes filed with XXXX, XXXX, and XXXX, Navient persist in filing negative reporting. The credit reports should read " disputed '' rather than delinquent. By falsely reporting to a consumer reporting agency, Navient has committed violations of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked for a credit limit increase for one of my credit cards today XX/XX/20 and I was told they were not able to give me a credit limit increase at this moment because I had negative credit history. I got a copy of my credit report because I wasn't sure what negative history they were talking about and I saw two charged off accounts on my report ; One from XXXX XXXX and one from XXXX  XXXX Auto finance. These accounts do not belong to me and I never gave anyone permission to open them in my name. I do not have a written/verbal contract with either of these companies and I did not benefit anything from these accounts that were opened on my behalf without my permission nor did I ever make payments toward these accounts. I filed a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts.
Product: Debt collection

In XXXX XXXX, we cancelled our XXXX XXXX XXXX XXXX by phone. 

XXXX XXXX continued to make automatic charges of XXXX XXXX to our XXXX XXXX XXXX account. 

We paid the bill dated XX/XX/XXXX, thinking that was the last one since we cancelled in XXXX. 

On XXXX XXXX XXXX XXXX XXXX XXXX  made another automatic charge of XXXX XXXX. to my XXXX XXXX XXXX Credit Card. I called XXXX and told them we had cancelled the service and didn't owe them. XXXX had a record of the XXXX phone call but the outcome had been reported as " were thinking about continuing. '' ( which was a lie ). We had stated clearly and unequivocally that we were cancelling the services. 

We disputed the XXXX XXXX automatic payment of {$40.00} with our XXXX XXXX XXXX XXXX and our account was credited in that amount. XXXX XXXX XXXX wrote to XXXX to respond to the claim and never received a response. 

We have put a block on any other charges to our XXXX account from XXXX. 

Consequently, on XXXX XXXX sent us a bill in the mail for {$35.00} indicating the automatic payment was rejected by XXXX XXXX XXXX. 

On XX/XX/XXXX, I sent the bill back to XXXX saying : " We cancelled service 2X! End of XXXX and again in XXXX.! You charged us {$40.00} on XX/XX/XXXX anyway and our XXXXXXXX XXXX. is requesting a refund for that. And now, another charge of {$35.00}! For a service we discontinued? No more automatic payments are allowed as charged to XXXX. Cancel this charge as well and refund the {$40.00} OR I will be filing a Consumer Protection Complaint. '' On XXXX we received a letter from Credit Collection Services in XXXX, MA trying to collect {$39.00} for XXXX XXXX XXXX. 

The credit collection company also called by phone and we told them to CEASE and DESIST. WE DO NOT OWE XXXX THIS BILL. IF ANYTHING, XXXX OWES US A REFUND FOR A BILL WE PAID AFTER WE HAD CANCELLED THE SERVICE!
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a credit inquiry alert from MY ID Care. Someone had my SS # and birth date and were attempting to open a credit card with XXXX XXXX XXXXXXXX. I disputed the inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I received an email from Experian stating that my email address for my online account had been changed. I never changed my email, so I emailed Experian as advised to do in the email change notification. The first response I got was asking me for more information in order to help me. I replied with the information requested. Then I eventually never heard anything back. I continued to email in attempt to resolve the issue. Apparently email is the only way to contact experian regarding hacking. They finally replied, and asked me to fax or mail a copy of my drivers license, social security card, and a utility bill to their consumer affairs department. Then they would be able to delete my account so that I could re-register. I wrote back several times and advised that I have been a victim of identify theft and was not comfortable faxing or mailing a copy of my social security card. I didnt want that type of info sitting on a fax machine in Texas with people I dont know. I also didnt want to risk the info getting compromised in the mail. I tried to reason with experian by explaining my hesitation to them. I also explained that it seemed ridiculous for me to have to send all that stuff, when I didnt need it to register, nor did the hacker need it to take control of my account. They still insisted on me sending these documents. I offered to meet them halfway by sending documentation via email with some info censored out ( like the first 6 digits of my social security number ) They wouldnt budge. I told them they had until Friday, XX/XX/XXXX to confirm the account had been closed or I would file a complaint. I have not received any confirmation, so here I am. I do not wish to re-register considering their lack of cyber security and the fact that they want me to send such critical documentation to a fax machine or mailing address, when my account has already been compromised. I just want the account closed and confirmation of the closure sent to the original email on the account.
Product: Credit reporting or other personal consumer reports

XXXX # XXXX Inaccurate Late Payments Immediate Action Required I noticed that you are reporting errors on my credit report indicating that I was late on the account ( s ) noted below.

Please explain how you can report these negative marks when I was never late.
Product: Checking or savings account

A check made out to a friend was stolen. The check was then fraudulently signed by someone other than my friend. The signature clearly does not match the name that the name i wrote on the check. PNC cashed the check anyway and I am out XXXX dollars. 

I comlpained with PNC and they said they were going to send me an affidavit to sign and return and i would not be getting my money back for over 120 days. I then get a letter in the mail saying my claim was denied because the affidavit was never recieved. the affidavit never came to my house until the next week! 

This is all PNCs mistake for depositing a forged check. I made the check out to a friend and their teller or system cashed it without checking identity. I am being made a victim over their problem.