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

" 605B.Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer report- ing 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 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

( b ) Notification. A consumer reporting agency shall promptly notify the fur- nisher of information identified by the consumer under subsection ( a ) -- ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.

( c ) Authority to Decline or Rescind ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this sec- tion, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 
( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be noti- fied promptly, in the same manner as consumers are notified of the reinsertion of information under section 611 ( a ) ( 5 ) ( B ).

( 3 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. '' XXXX and discover have both been given a valid ID theft report and valid verifying identification. I recieved no benefit from transactions made by a third party which was fraudulently opened by a third party using my information. This will be the third time XXXX has been given an id theft report, and has taken zero action to protect me from idtheft. Please follow the fcra or explain why you are not following it. The same request is being made of discover as well, who at this time per the attached letter refuses to follow the fcra in responding it will take up to 90 days to respond. The fcra gives them 5 days. I will also once again attach a copy the id theft report an Id.
Product: Debt collection

This company Carmax mistakenly charged off my car account, my account was was being reported as a charge off even thought i still had the vehicle and as Still making my payments on time. I called to resolve this several times and since it couldnt be resolved i decided to get rid of the car. I actually sold it back to carmax for more money then what my balance was on the vehicle. This is illegal to report a debt as a charge off that im still paying for and that is till in my possession, how can a open account be charged off as well. A charge off means a lender or creditor has written the amount off as a loss, and the account is closed to future charges. My account is in fact still open and a charge off normally happens when you fall behind, i have never fell behind on my car payments.
Product: Credit reporting or other personal consumer reports

Please assist in deleting these items from my credit report XXXX days after you receive this notice. I'm willing to accept the deletions of the unauthorized erroneous items instead of taking legal action for the violations you clearly made. 

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC
Product: Credit reporting, credit repair services, or other personal consumer reports

FILED FTC IDENTITY THEFT REPORT # XXXX BECAUSE XXXX, XXXX AND XXXX HAS INQUIRES ON MY CREDIT REPORT THATS NOT MINE ; XXXX XXXX XXXX XXXX Date of inquiry XX/XX/2022 XXXX XXXX XXXX Date of inquiry XX/XX/2022 XXXX XXXX XXXX Date of inquiry XX/XX/202XXXX XXXX XXXXXXXX // Date of inquiry XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XXXX XXXX  Date of inquiry XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/2022 XXXXXXXX XXXX XXXX // Date of inquiry XX/XX/XXXX XXXX XXXX XXXX // Date of inquiry XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX Date of inquiry XX/XX/2022 XXXXXXXX XXXX XXXX // Date of inquiry XX/XX/2022 XXXX XXXX XXXX XXXX // Date of inquiry XX/XX/2022 XXXX XXXXXXXX XXXX XXXX Date of inquiry XX/XX/2022 Date of inquiry XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX // XX/XX/2022 XXXX XXXX XXXX
Product: Debt collection

Atlantic Recovery Systems called my phone and I informed them they had the wrong number. They called numerous times after being informed they had the wrong number and when I asked for a supervisor I was hung up on. I called back and asked for a manager and was transferred to the chief compliance officer who I informed him that I was being harassed his response was okay what do you want me to do as if he didnt understand that his company collection practices were illegal. I also have a voicemail that stated they had a file in their office for the person they were looking for and if I am not mistaken XXXX XXXX prohibits that. The phone calls occurred on yesterday XX/XX/year>. The voicemail was on XX/XX/XXXX. They also violated XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

I have been asking for a updated copy of my credit report and score and XXXX is refusing to give me one or even do it online so I can see it and it still says my report has not been updated since XX/XX/XXXX and trans union says it hasnt been updated since XX/XX/XXXX its ridiculous and damages my credit worthiness with creditors they are in complete violation of 15 usc 1681 and 15 usc 1692 and I will be seeking damages in the amount of {$5000.00} via my attorney they said I dont have an address on file I just moved to XXXX and my new address is XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX my old address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX so they need to remove my old address and replace it with the new address immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX {$720.00} I challenge the accuracy, compliance and reportability of this listing. There is no valid claim ... account was settled with original creditor ( Debt can not be collected twice ) ... grave errorfalse claimsand reportingI want this account removed immediately or litigation may follow Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Please be advised this is against F.C.R.A. law and is a violation of my rights..
Product: Student loan

I have several student loans through the department of education that have been transferred to different loan servicers over the years. All of my accounts have been reported as current up until XX/XX/year>. 
I have just been notified that all of my student loans were reported to all the major credit agencies as XXXX  days past due. 
This is false information. 
I have never received any correspondence from Aidvantage regarding delinquencies or payments due. These false statements have caused significant financial damage to my credit score. 
I have disputed this information with all credit agencies and would like this removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Balance : {$83000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NV XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XX/XX/2022
Product: Debt collection

1. Company state they have now listed account as " disputed '' on credit reports. 

2. Company state and per their communications they sent notifications in XX/XX/XXXX and XX/XX/XXXX to address XXXX XXXX XXXX XXXX XXXX Alabama XXXX. My address in XXXX XXXX XXXX XXXX XXXX GA XXXX. 

3. Company was notified via certified mail twice XX/XX/XXXX & XX/XX/XXXX after reporting to XXXX  and XXXX  of wrong address and the communications were not received per FDCPA. 

4. Company agreed to remove information via XXXX  dispute.
Product: Credit card or prepaid card

In XXXX and XXXX of XXXX  I closed my JPMCB credit card ( Chase ). My credit report reflects the closure. In XXXX of XXXX the account was reflecting NON-payments. even after the account was closed. This continued from XXXX till currently. Accumulating fees and damaging my credit report. I have made multiple calls to rectify the situation and was promised it was resolved but it never was. Here is a list of employees i spoke to ; XXXX Employee # XXXXXXXX XXXX ( spoke on XXXX occasions ) XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX If you wish to speak to the corporate office it must be in writing and faxed over or mailed to a po box . That is not acceptable. Especially with personal information. 
Bottom line is Chase Credit Card strong arms everyday citizens and make them pay ridiculous and unjust fees. They don't assist their clients and conduct unfair business practices. Also many requests have been made for details of my account and break downs. They have NEVER been sent or provided.
Product: Debt collection

On XX/XX/19 an account was opened with XXXX XXXX XXXX XXXX that does not in anyway belong to me. The balance {$14000.00}. I have never even heard of this credit union. I have called about this and it seems its registered to an address in XXXX, Georgia. I live in XXXX, Michigan. This is a fraudulent account!
Product: Debt collection

I received a letter in XXXX saying I owed PAYPAL XXXX. After receiving letter, I attempted to login into my PayPal which was now locked out. I called PayPal who transferred me to a 3rd party collector XXXX XXXX XXXX XXXX. After finally getting a hold of an agent with above mentioned company I asked what the debt was for, and she had no information just the amount and asked me to pay said amount. Since then, I haven't received any other correspondence in regard to said Debt, so I called PayPal again and they transferred me to the same company which gave me the same answer. Both times there was a language barrier as the collection agency seems to be a call center at this point, I'm not sure if it's a scam or if there's an actual debt to PayPal. I have a limit on my PayPal card and have received statements for from PayPal for my credit card and no showing of this debt. and without access to PayPal, I'm not sure what the XXXX is for or how i incurred this Debt and no way to dispute the debt either.
Product: Credit reporting or other personal consumer reports

I am have been stating to the bureaus that I am a victim of identity theft and a victim of the XXXX  Equifax data breach. These accounts are a part of this and need them to be removed. These accounts are causing me financial hardship and denials. 

XXXX XXXX XXXX Account Number : XXXX {$7400.00} XXXX XXXX  Account Number : XXXX {$1900.00} XXXX has deleted this information, but I am wondering how is Equifax and XXXX still reporting this false information when Equifax is the culprit behind the data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has listed an account for collections on my credit report for over XXXX XXXX I have disputed this more than five time with transunion including documents that i an a victim of identity theft! I was involved in two major data breeches. I also reported this to XXXX. Yet they still considered this to be a valid account. I was incarcerated when this account was opened it in not possible that i applied for a credit card while in prison. I also have records from the prison of my time incarcerated. This needs to come off my report as i have done everything i was suppose to. I reported it with the identity theft bureau and have a freeze on my report.
Product: Debt collection

I see an UNKOWNN Collection item in my credit report. I see incorrect details such as missing payment history, terms, credit limit, etc. Actually, I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 
2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

6. Please provide a complete account history, including any charges added for collection activity.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I received a call from what seemed to be PNCs customer service number. A man who claimed to be with PNCs Fraud Detection department told me that there were charges being made to my account. I thought this was a legitimate bank employee and he asked me questions about my account, such as my login info and account information. After I realized this was not a legitimate employee, I hung up the phone. I later saw there was an unauthorized money transfer of {$1000.00} over XXXX on my account. I later called PNC bank to dispute this charge on XX/XX/XXXX and they have denied my dispute, even though I did not authorize this transfer.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under XXXX8 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Product: Credit reporting or other personal consumer reports

To whom it may concern, Under 15 U.S Code 1618B Permissible purpose of consumer reports ( a ) IN GENEREAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relate. 

I, XXXX XXXX never gave Equifax any written consent to report anything on my consumer report, no consent is identity theft. A copy of the law is attached with this dispute letter. 

Concerning the account listed below as a consumer, I am demanding a deletion of these account listed below : XXXX. XXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX
Product: Debt collection

US West Collections did a hard inquiry on my credit without consent. Illegal ... .. 
Identity fraud. This agency refuses to communicate in regards to my complaint. 


US West Collections XXXX. XXXX XXXX XXXX, AZ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX  XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

RE : Incorrected or Unfair Credit Reporting by Standard Mortgage Corporation ( SMC ) Crediting/Posting Date Error from XX/XX/XXXX - Present ( including XX/XX/XXXX ) To Whom It May Concern, Standard Mortgage Corporation is not crediting our mortgage payments to our account as they should be. The error in reporting has resulted in a late payment appearing on our credit report for the month of XX/XX/XXXX. SMC is not crediting our payments until they have cleared our checking account. This is not compliant with federal regulations. As you are aware the CFPB states 1026.10 ( a ) General Rule that payments are to be credited on the date of receipt, not the day the funds are collected. 

As of XX/XX/XXXX, SMC began crediting our account only after the funds had been collected. This includes our most recent mortgage payment for XX/XX/XXXX. This change in posting resulted in XX/XX/XXXX being reported as 30 days late. This error was disputed and updated on all three credit reports for me and my husband. Then SMC reported the same error ( within 60 days of being notified of the inaccuracy, another violation of federal regulations ) to the credit reporting agencies, however this time the XXXX error appeared in XX/XX/XXXX. I was able to successfully dispute this error as well, except for XXXX for XXXX and XXXX for XXXX. Which is why I am asking for your assistance. 

Upon contacting SMC and speaking with XXXX, the CSR responsible for reporting to the bureaus, she informed me it was the XXXX payment being reported because she failed to get the information in within time for it to reflect in XXXX. This is not true. It did appear and it was disputed and removed. She also states that XXXX was reported late because it was received on XX/XX/XXXX at XXXXXXXX XXXX. after the close of business. SMC business hours are Monday Friday XXXX XXXX XXXX and federal law states 1026.10 ( b ) that cutoff times shall not be before XXXXXXXX XXXXXXXX so this is also not true. She goes on to state that payments must be scheduled prior to XXXXXXXX XXXX to be credited to the same business day. This is also not true. If that were a true statement each payment in question would have been credited on the day the payment was received, none of the payments, including XXXX, have been credited appropriately. 

Please see the attachments and review for yourself. You will quickly see that XXXX is maliciously handling our account causing financial hardship. I understand that CFPB can not personally correct our credit reports, but I know that you have the ability to enforce the mortgage company to correct the inaccurate information that is being reflected in our report. 

SMC has failed to credit our account correctly since XX/XX/XXXX, making false statements on its correspondence to the bureaus and to you, as well as reporting the same negative payment information to the bureaus within 60 days of one another. Their actions are a violation of the consumer financial laws put into place to protect consumers such as us. Your help in this manner will be greatly appreciated. 

Respectfully Submitted, XXXX & XXXX XXXX
Product: Debt collection

This debt is a bounced check with XXXX XXXX XXXX. It is seven years old and I am wanting to know the statute of limitations for them to sell and ask for this debt of {$300.00} to be collected. Is it too old for me to respond to, did they sell it to a third party that is trying to ask for payment when it should be charged off permanently? 
What happens since my purse, social security card, birth certificate and passport and drivers license was stolen in 2014? How do I prevent myself from being stocked financially by a person knowing my personal information