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

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

SincerelyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, and XXXX continue to report inaccurate information. The reporting agencies must maintain accuracy. The account listed XXXX XXXX Account # XXXX is not reporting accurately. 

XXXX is not reporting the account, XXXX has 4 payments listed and Transunion has one. This means this account is not accurate and has not been properly validated under FCRA. This is causing damage to my consumer report and scores. 

15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting or other personal consumer reports

Credit Bureau did not remove the inaccurate items from credit report after explaining I had no knowledge of the acct XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I filed a complaint with TransUnion back on XX/XX/year> pertaining to an inaccurate XXXX XXXX account informing TransUnion the date opened is inaccurate along with the date last active is also reporting inaccurate. TransUnion responded and stated XXXX XXXX verified this information. However, this can not be true, as TransUnion is still reporting the same open date, and the same date last active. Furthermore, XXXX deleted this same inaccurate account. TransUnion is violating my rights under The Fair Credit Reporting Act 15 USC 1681i ( 5 ), 15 USC 1681i ( 7 ), 15 USC 1681e ( b ), and 15 USC 1681s-2.
Product: Credit reporting or other personal consumer reports

no resolution file since XX/XX/year> turned over to FAIR XXXX REPORTING COMMITTEE..LEGAL Complaint HIRE ATTORNEY. Requesting damages due to inquires and being Denied by different companies XXXX showing on all denial notice received XXXX XXXX is aware FRAUD-ALERT. Been place on the account AFTER. speaking to XXXX XXXX REP. VERIFIED on phone stated no name showing on the accounts or payment history Shortly l received a letter in the mail from XXXX. XXXX DATED XX/XX/XXXX REQUEST ENTIRE ACCOUNT? s.attached below? No name shows on the letter REQUEST ENTiRE BILL.Which isn't considered accurate verification. XXXX XX/XX/year> finger hut web bank. Is reporting twice on my credit report ... .all XXXX credit bureaus. requested. Money. Unable Verify? informations shown on the account l have been denied by different companies also inquiry besides XXXX XXXX XXXX XXXX XXXX collect money? ... that not owe XXXX the accounts different. Collect XXXX who stated all information was received. From XXXX XXXX? Who's showing No name address ssn payments history.? ONLY PAYMENT SHOWS WHAT OWED? a printout.provided i EQUFAX. Rep phone conversation. complaintive companies do there own investigation .not the reportin companies attached information below
Product: Debt collection

A letter dated XX/XX/XXXX was written explaining that this debt was mine and opening a investigation on this debt. The 30 days that is given by The FCRA guidelines to the credit bureaus have come and gone and now would like to have this removed from my credit report for being in violation of the FCRA. Have included the attach letter dated XX/XX/XXXX.
Product: Debt collection

XX/XX/year> around XXXX I reached out to XXXX XXXX XXXX to obtain information as to who they are and a validation of debt I spoke to a gentleman by the name of XXXX XXXX via phone whom I asked who they were and he told me the only way that he could help me was if I was paying off a debt and I asked could I receive a validation of debt and he stated no I can not help you with that. I was then transferred to a woman name XXXX in whom I asked again could I go about receiving written proof of whom they are and the debt they claim they have on file for me and she said no so they are refusing to validate anything they just want money. In addition to that they are not on my credit report the original creditor is National Credit Systems and they refused to give me information as they stated XXXX XXXX XXXX are now over the account so two companies are trying to collect from me with no validation of the debt. National Credit Systems has harassed me via phone and my workplace but they wont validate the debt. I am looking to settle any debt I have but if no one can validate it do I really owe so I need help as this debt could not be mine and then to stop harassing me.
Product: Debt collection

Dates : XX/XX/XXXX Amounts : {$1100.00} Details : - An XXXX  service was provided to me by XXXX XXXX on XXXX/XXXX/XXXX. 
- I received the XXXX Nevada transportation bill {$1100.00} on XX/XX/XXXX later and paid in full. 
- No other hospital or doctor bills were ever mailed to me. Both XXXX ( my insurance company ) and myself tried contacting the hospital since last year but no responses from the hospital / doctor at all. 
- I tried looking up XXXX XXXX website myself with my case ID and found a hospital bill of {$450.00}, and I paid it in full on XX/XX/XXXX. 
- The past week ( XX/XX/XXXX ~XX/XX/XXXX ) I have been receiving phone calls from the debt collection company ( Wakefield & Associates ), notifying I owe a bill amount of {$1100.00}. 
- I am surprised to receive this debt collection since no written letter or notifications were ever mailed to me.
Product: Debt collection

Discover Financial and Personal Loan Services calls my phone, my family, my friends, and my XXXX mother 's phone every day. Discover Financial calls everyday and several times in a day asking for my whereabouts and harassing my associates which include co-workers, family, and friends. We have received over 7 -10 calls in a day. As soon as we open our phones and browse the Internet or make a call, a Discover Financial representative will try to interrupt our call or leave a voice message. 

Discover Financial and Personal Loan Services calls at odd hours and on holidays. They call pretending to be colleagues. For example, they may open their conversation or call with statements such as, " XXXX! XXXX! XXXX! '' I have asked them to not contact me ; however, they still flood my E-mail with letters and call me frantically everyday. I am scared to answer the phone at work and my job requires me to answer phone calls constantly.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last 3 months of dispute, the Credit Reporting Agencies have not yet complied with the Fair Credit Reporting Act section 605b, and have kept reporting the disputed accounts as verified! How many times do I have to tell the Credit Reporting Agencies that I was a victim of identity theft and that the disputed accounts were the results of such crime! I previously sent a dispute letter to each of the Credit Bureaus requesting that the Credit Bureaus remove the disputed accounts and information completely from my Credit File. The dispute items do not belong to me. Im attaching the required FTC Report for the Credit Bureaus and the bank 's records. Please remove these files. If the Credit Bureaus really feel there is a possibility these items belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly. Once again, I need the remaining items removed from 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 XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX : {$1900.00}
Product: Credit reporting or other personal consumer reports

There are 3 accounts on my credit report that are not mine, accounts from the year XXXX and XXXX and in those years I did not have social security nor did I open any account, they are mixing information from another person with mine, those accounts do not belong to me, they are not mine. social security are violating my rights
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been stolen, after checking my credit I found accounts That I do not recognize in my credit, these account should be removed from my credit report inmediately.
Product: Credit reporting or other personal consumer reports

Fraud Transactions against my Wells Fargo Credit Card beginning on XX/XX/2024 My Wells Fargo credit card was stolen from my work bag while traveling. This is my spare credit card and do not use this card. Subsequently, I did not realize the card had been stolen until weeks later. The thief used the card many times at many locations. Once discovered, I immediately reported the fraudulent transactions to Wells Fargo for investigation. 

Wells Fargo has denied my claim stating that because the card was in my possession- I am not entitled to a refund of fraudulent transactions.
Product: Checking or savings account

Dear Consumer Finance Protection Bureau, I am writing to file a complaint about my checking account with PNC Bank. Since XX/XX/XXXX, my account has been subject to a legal hold, which has prevented me from using it in any way. Despite this, PNC Bank has continued to charge a monthly service fee of {$7.00}, leaving me unable to close the account or access my funds. I believe that this is unfair and unjustified, as I have no control over the legal hold or my account balance. 

I have requested that PNC Bank refund the fees that I have paid for the past year and suspend future service fees, but they have refused to do so. As of XX/XX/XXXX, my account balance is {$240.00}, but PNC Bank continues to deduct {$7.00} per month, leaving me concerned about what will happen once my balance is depleted. Will PNC Bank begin charging me overdraft fees? 

I am disappointed that PNC Bank has not been more responsive to my concerns and that I am being forced to pay for a service I can not use. I believe that my account is being held hostage and that PNC Bank is unfairly benefiting from my financial hardship. Therefore, I would like to request that the fees for my account be waived, and that any future fees be suspended until the legal hold is resolved. 

I have included my account statements and chat transcripts with PNC Bank as evidence, and I would appreciate your assistance in resolving this issue. Thank you for your attention to this matter. 

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

I need you to investigate the following accounts you claim to be accurate on my credit file XXXX Miscellaneous Reptg. XXXX XX/XX/XXXX Equifax XXXX Personal Loans Companies XX/XX/XXXX Equifax XXXX All Banks XX/XX/XXXX Equifax Please show me detail documentation including an application signed by me otherwise delete this unverifiable inquiry from my credit file. 

After you finish my request, send me an updated report Thank you, 15 U.S.C 1681G Law violation
Product: Debt collection

Was notified through a credit monitoring company that a new creditor was listed and to look over to see if it was correct. Listed me as having taken out a loan between XX/XX/XXXX-XX/XX/2019 be with XXXX XXXX XXXX XXXX for {$900.00}. First that is 100 % fraudulent and a simple XXXX search shows this company as being fraudulent. Second, be was never notified in writing of debt, probably because it is fraudulent and have no idea where I live. There was no attempt to claim sent before filing it as needing to be collected even according to the false claim it had only been a week since the debt was incurred. This is such an obvious lie they had to know they were involved in illegally claiming this debt. They have followed not one law on this bogus debt.
Product: Checking or savings account

A Represnstive of XXXX took out of my band account {$470.00}. I don't have an account with XXXX. I did not Authorize for them to take this money out of my account. 

I made a one time payment for XXXX XXXX. He asked me if I could make a one time payment for him. 

XXXX tried to explain this to the merchant. They would not listen to reason. 
Capital One returned the money. Then they took it out again said that their was a contract so they couldn't do anything about it. This merchant took my money. The reason was because they kept my card on file when they were not suppose to do that. I need help with this issue. They are stealing from my account and Capital One is letting them by not giving me my money back. The bank did an investagation, it didn't help. 
thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed in XXXX unauthorized inquiries and multiple accounts that are not mine and several others that I was never late on and accounts that say charge off which is inaccurate as well. I never received a full letter of explanation on how this was verified. I wrote a letter with the FCRA statue 611 and 615 and they completely disregarded my request. I believe they did not comply legally so I am insisting the credit I am disputing should be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled my account with XXXX XXXX XXXX and would like for this information to be removed from my XXXX and Transunion Credit Report.
Product: Mortgage

I made an additional payment to my escrow balance to my mortgage lender Loancare in the amount of {$2500.00}. The money was taken from my savings account however, upon contacting Loancare they informed me the payment was reversed. I checked my bank statements to confirm the deposit, but known deposit was made into my account. I contacted my bank to confirm my suspicion and they agreed no deposit has been made from Loan XXXX. I file a claim with my bank to proceed with an investigation. But was unable to provide any confirmation. The reversal of the payment has been made. I requested any proof from my lender the reversal has been made, but was not provided with any documentation and since my claim has been denied.
Product: Student loan

I am unable to access my Wells Fargo online account after many attempts calling and speaking with customer service reps and technology specialists. I am forced to call monthly to make payment and when I call I often encounter long hold times which is a major inconvenience to simply make a payment. I feel as though Wells Fargo is unwilling to work with me and fix my account and is now assessing late fees and has reported a late payment to my credit report resulting in a major hit to my credit score and reduced credit lines from all creditors.
Product: Credit reporting or other personal consumer reports

I am reaching out to dispute the incorrect information currently reflected on my credit report from your bureau. There are discrepancies in the data reported for specific accounts, which require immediate correction under the Fair Credit Reporting Act ( FCRA ). 

Attached are letters that thoroughly outline the issues with the accounts in question, including supporting documentation. The errors involve incorrect dates, account statuses, and other details that do not accurately represent my financial history. These inaccuracies are unjustly impacting my credit score and overall financial standing.

I kindly request that you conduct a thorough investigation into the accounts referenced in the attached documentation, rectify the mistakes, and remove the inaccurate data from my credit file. Additionally, I expect the corrected information to be updated in compliance with FCRA requirements, and a confirmation sent to me once the corrections have been completed. 

If any further information is needed to facilitate this process, please inform me at your earliest convenience. I appreciate your prompt attention to this matter and anticipate a timely resolution.
Product: Checking or savings account

Since paypal deals in money, I believe they are also required to follow the US banking regulations. And since they shut my account down because I would not provide my social security number, that's proof right there that they had no right to do so. I even gave them a letter releasing them from liability but they still refused to reopen my account. I KNOW this is illegal for them to do this to me. 

Federal regulations provide me an alternative, 26 CFR 31.6011, 301.6109 and 31 CFR 103.28, 103.34, 103.35, employers, banks and payers are required to ASK for the social security number, but they shall NOT BE in violation of this requirement if they have made a reasonable effort to secure such identification and are unable to secure the information. 

The federal courts have ruled that private sector solicitors may NOT obtain social security numbers until they comport their solicitations to comply with disclosure requirements of the Privacy Act, including informing customers of the voluntary nature of such disclosure, the source of authority for requesting such disclosure, and possible uses to which disclosed numbers might be put. Yeager v. Hackensack Water Co., 615 F.Supp. 1087 ( 1985 ). 

Any person who is found violating the rights of a Citizen may be subject to the damages sustained by the individual and the costs of the action together with attorney fees. See Doyle v. Wilson, 529 F.Supp. 1343 ( 1982 ). Violation of 18 USC 241, 242 ; 42 USC 1983, 1985 1986 shall subject you personally and may also subject you to fines of up to {$10000.00}, and imprisonment for up to ten years, or both.

I WANT PAYPAL TO PAY FOR WHAT THEY DID TO ME.
Product: Credit card or prepaid card

This is in reference to a Build Card from Continental Finance, account ending in XXXX. This card was paid off in XXXX of 2020, and closed at that time. Despite closing the account, Continental finance continues to try and charge a monthly fee for the account - and reopens the account each time, requiring a phone call. Today makes the third time that we have had to call. Each time they remove the fee and insist that the account will be closed, then they re-open the account and charge the fee again.