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

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. The dates from XX/XX/2019 thru XXXX of XXXXare dates when my social security number and personal data was compromised and stolen and used for fraudulent purchases and accounts Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ).
Product: Checking or savings account

I have been trying to close my business checking account with Huntington Bank for a month now, and it hasn't happened yet. This is such strenuous attempt just to close an account. I do not live near a branch so going in branch is not an option for me. So I sent a notarized letter but that didn't seem to do it. What's the hold up? Please close my account. The balance has been at XXXX for over a month now too. 

Please see dates and actions I have taken : XXXX Called XXXX to close account ; The phone rep. said I have to send a notarized letter, and the account will be close 7-10 business days after they receive the letter. 
XX/XX/XXXX Mail notarized letter requesting to close account XXXX Called XXXX to ask if they have received my notarized letter sent a week ago. The phone rep. said they have no way of checking with that closing department. I just have to wait. The only way to know that account is closed is when I couldn't log on to my account. 
XXXX Called XXXX to ask why account hasnt been closed. The phone rep. said they can't do anything about it. I just have to wait. 
XX/XX/XXXX Called XXXX to ask why account hasnt been closed. The phone rep. said they can't do anything about it. I just have to keep waiting. 

This is unreasonable. I have been waiting for long enough. Please just close the account. 
Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion not responding to requests to delete inaccurate information. Sent letter 45 days ago and they never responded. The return receipt was stamped on XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In early XX/XX/XXXX I was contacted by a man who gave the name XXXX XXXX under the phone number XXXX, claiming to be part of the loan company XXXX offering me a low interest rate loan that I qualified for under the new XXXX - XXXX partnership. Then using my identity he was able to access my XXXX XXXX bank account and had unauthorized refunds issued by the bank by making fraudulent claims on multiple creditor accounts. Of note, XXXX XXXX has admitted that after hearing the recordings it was definitely not me, nor my phone number. They never asked for a passcode or other security information to verify that it was in fact me. Also of note, the identity theft and fraud through XXXX XXXX had been over multiple days and involved more than ten separate transactions ; totaling loss of {$7500.00}. As soon as I became aware of what was going on I immediately notified XXXX XXXX, the branch as well as the dispute office. I have written XXXX XXXX on this issue over five times and called well over 30 times ending up with the last report being filed in XXXX of XXXX with claim representative XXXX XXXX report number XXXX, contact number XXXX. I was promised a resolution within 10 days and never received any further contact. Beyond the {$7500.00} in losses my credit score dropped over 250 points. XXXX XXXX never notified my creditors of my fraud and I have been denied on over 8 separate occasions from opening a checking account. Lastly, XXXX XXXX has admitted that they never returned the fraudulent withdrawals from my creditors even though I immediately notified them of the fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of fraud and I am requesting a security freeze on my credit file. The following address are not accurate please delete : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WV XXXX XXXX XXXX CT, XXXX, NY XXXX XXXX XXXX  XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, WV XXXX XXXX XXXX XXXX XXXX XXXX, WV XXXX Please delete the following cellphone numbers ( XXXX ) XXXX ( XXXX ) XXXX they are number mine.
Product: Debt collection

I have attempted to reach Amerifinancial Solutions on numerous occasions regarding this debt that I allegedly owe. I never had an account with the original creditor and have also received no response from them when asked to show documentation or a signed contract. I know that I have no signed contract with Amerifinancial Solutions nor did I authorize them to open an account in my name. It is illegal to add unverified and/or inaccurate information to a persons credit profile. With that said I am demanding that Amerifinancial Solutions provide original signed contracts that prove they are attempting to collect a debt from the correct person, confirm that the account in question has not passed its XXXX, proof that they are a licensed debt collector in the state in which they are attempting to collect from along with their license number AND proof that they have the legal authority to represent the original creditor in legal matters. 

If these things can not be provided I will be handing this over to my attorneys and seeking any and all remuneration for the multiple accounts that they are listing on my credit reports under the law.
Product: Credit card or prepaid card

I am contacting you in regards to a PayPal Credit account I used to have, which has been closed since 2021. I continue to receive letters that detail 2 charges each month beginning in XX/XX/XXXX : a late fee on the 3rd of each month and an interest charge each month on the XXXX of each month ( compounding each month ). I have spoken to PayPal Credit on numerous occasions, on each of which I have been told that the charges were issued automatically in error, and they refund them. Then, a couple of months later, it starts all over again. I owe nothing to PayPal Credit, the account is closed, and I am prepared to initiate legal recourse at this point. These charges are appearing as an outstanding balance reported to XXXX, thus negatively impacting my credit score. Please help me finalize this ; I am angry and tired of going through this with a different customer service agent each time, only to have the problem recur. At this point when I call PayPal Credit, they can not even locate my information in their system. They say no account exists, yet I continue to receive letters. Thank you for your time. Please let me know if you require further documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

According to the Consumer Financial Protection Bureau ( CFPB ), Equifax has a history of failing to investigate consumer disputes properly, even leading to legal action for non-compliance with the Fair Credit Reporting Act ( FCRA ). 

Federal law ( 15 U.S.C. 1681i ) requires Equifax to conduct a thorough reinvestigation of disputed items within 30 days. Any inaccurate, incomplete, or unverifiable information must be removed. 

I am disputing the following items that should have already been resolved : XXXX XXXX  - XXXX - {$14000.00} XXXX XXXX  - XXXX - {$0.00} I have provided supporting documentation multiple times, yet these errors remain. This failure to act is causing ongoing financial harm. I expect a proper investigation and resolution immediately.
Product: Debt collection

This notice serves as a legal notification under the Fair Debt Collection Practices Act and Uniform Commercial Code to all major credit bureaus. It has come to my attention that there are charged off accounts on my credit profile, indicating discrepancies in financial reporting. I request the immediate removal of these inaccuracies in accordance with the law. Furthermore, inconsistencies in how my accounts are reported across the XXXX credit services violate the Fair Debt Collection Practices Act. 
I demand that all credit services rectify these errors promptly by updating my report and eliminating the charges for collections and inactive accounts. This directive is directed specifically towards XXXX, Equifax, XXXX, and XXXX. Failure to comply with this request will result in legal action. This notice is a matter of public record and may lead to a lawsuit if necessary. I expect the prompt removal of the accounts from my credit profile. Thank you. 

This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the FDCPA laws. I humbly request that your agency/ office sends me valid proof of claims. 
I also want to remind you of the following laws : *- 15 U.S. Code 1692g : Validation of Debts *- 15 U.S. Code 1681n : Civil Liability for Willful Noncompliance *- XXXX U.S. Code Title 15 CHAPTER 41 SUBCHAPTER III 1681s2 : Responsibilities of Furnishers of Information to Consumer Reporting Agencies remove acct XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent over a Letter requesting removal of certain items from my report because they was reported without my consent. According to 15 U.S. Code 1692 ( g ), and 15 U.S. Code 1692 ( c ), 15 U.S. Code 1681 ( e ), 15 U.S. Code 1681 ( i ) there are violations. Also 15 U.S. Code 1681 ( n ) and 15 U.S. Code 1681 ( b ). I never gave written consent to the credit agency to post anything to my report I have no contract with this credit reporting agency and they are violating my rights and illegally allowing things to go on my credit report that I never did or ever will authorize. I need this agency to remove the item that i requested from file # XXXX. I'm requesting that this be done in a timely manner 30 days or less. Anything beyond this point I will be seeking to file a lawsuit against this agency. Many time my rights has been violated by this agency and i need these illegal actions to CEASE. i'm asking that this agency CEASE and DESIST from all illegally actions that is being formed against me on my credit report at this time. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These are the items that I requested to be removed that never was supposed to be on my report in the first place because I never gave permission to this agency to report any of my information.
Product: Payday loan, title loan, or personal loan

The time I got the loan I was homeless working for XXXX XXXX. I got the loan an was able to pay for a room that night. I did n't pay the loan back now I 'm reciveing calls from a guy who is threating an harassing me an also, he has called an harassed other family members. He is calming I did fraud but I did n't do fraud I have the same bank account. He saying I 'm going to go to jail. The place where I received the loan is XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE HAS STOLEN MY IDENTITY. I DONT RECOGNIZE ANY OF THESE ACCOUNTS.PLEASE REMOVE THESE ACCOUNT FROM MY CREDIT REPORT.
Product: Student loan

on XX/XX/2020, i was attempting to find possible student loan refinancing with Citizens Bank. 
Initially, they required tax documents from the previous two years. It was not my understanding that I consented to a credit check at that time. I did not see a consent form attached to their lengthy paperwork. They performed a hard inquiry on my credit. I was alerted by XXXX XXXX of this action. I am very upset with this procedure. 
It has had negative effect on my credit score. I contacted them via email XXXX and requested they withdraw this hard inquiry, but they refused. I am no longer interested in their offer. 
Can you please help?
Product: Credit reporting or other personal consumer reports

I reviewed my credit report. I noticed an unauthorized unverifiable inquiry on my credit report from XXXX  XXXX on XX/XX/XXXX, XXXX I dispute and they told me it was marked as fraud and it would be deleted but month later its still reporting I have not applied for any credit and I only have 1 name on my license. No alias..

only name that should be on my credit reports is what is on my license TRANSUNION has a variation of my name I do not go by in any capacity I would like the alias and inquiry removed title 15 usc 1681 protects me right?
Product: Checking or savings account

I received a notice from XXXX that I had tried and opened a banking account at PNC bank on XX/XX/XXXX and XXXX, XXXX. I have called the bank 4 times and still have not heard back from the fraud investigators department. I do not live near a PNC bank nor have I ever tried to open an account with them. My social security number and date of birth is being used to open this account. I have not given anyone the permission to use my information for any reason. I have filed a police report with my local authorities, put a fraud alert on all credit reporting agencies and am working on credit freezes
Product: Debt collection

XXXX XXXX 2018 to now. I was in XXXX XXXX for military XXXX and they are trying to make me pay for a debt that was sold to another company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out letters certified over 45 days ago and have not been notified of the results. As a consumer I feel like these big companies are trying to take advantage of regular hard working people by not responding to this request in a timely manner.
Product: Vehicle loan or lease

I paid of this loan a long time ago and did not receive my title, due to an address issue. I have called numerous times to request the pay of documentation so that I can request a new title and am consistently told that this is an issue they often have and that the rep 'will try ' to get me what I need, but I never get any documentation or follow up! I am so frustrated! I just need proper documentation showing this loan is paid off so I can get a copy of my vehicle title. This is ridiculous that it has literally been over a year and I can not get what I need.
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Portfolio Recovery Associates , LLC for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. In a conspiracy with the consumer reporting agencies to cause a restraint of trade and commerce, this debt collector has engaged in racketeering activity. I have never given this company any consent to be in possession of my nonpublic personal information. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, whether implied or explicit. This account is a billing error. Please provide me with documentary evidence of the obligors indebtedness. 
This company is in violation of the false claims act and is jeopardizing my consumer credit reputation with other financial institutions by fraudulently furnishing this alleged debt to coerce payment. Any payments made or future payments are a result of threat, duress, and coercion, due to undue influence. 
I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Portfolio Recovery Associates , LLC, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Portfolio Recovery Associates , LLC, continues its collection efforts, I will file for litigation for actual damages caused and Portfolio Recovery Associates , LLC, shall be liable for violations of TILA, FCRA, GLBA, XXXX, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC ACT and RICO Act. 
Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant XXXX XXXX. Your prompt attention and response are both requested and required.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX XX/XX/year> in XXXX XXXX. My address is XXXX XXXX XXXX XXXX pa I live for the past 3 years recently move to XXXX XXXX XXXX XXXX XXXX XXXX mo XXXX Experian, XXXX, XXXX are been putting Collections on my name I reported them serval time thats the wrong birth date but they keep ignoring my letter no response to non of them has responded they put a wrong address as well that I do not live not recognized. That cause me to get places and finances stable due to they errors that caused me a lot. I have my passport to prove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXXand contacted the police department and obtained a police report # XXXXwhich both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. 
The following items do not belong to me and is a result of fraud that I did not authorize : ASSETCARE LLC {$1000.00} Open balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$620.00} Open balance 11 XXXX XXXX XXXX XXXX {$250.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$0.00} Highest balance {$12000.00} Highest balance {$12000.00} opened XX/XX/XXXX You have 9 inquiries These lenders have accessed your credit file : XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX  XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX   Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX, XXXXGeneral Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX XXXX XXXX I Account Number XXXX Account Type Utility Responsibility IndividuaXXXX Date Opened XX/XX/XXXX Status Paid, Closed. {$50.00} written off.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I received a copy of credit report and have found the following item listed below to be an error. This account is listed with a 30 day late payment and that is incorrect. The following account was never late and should be listed as Paid Satisfactory. 

XXXX - I was never late on XX/XX/2019 on this account. Please update the account as Paid satisfactory. 

By the provisions of the Fair Credit Reporting Act, I ask that these items be investigated and removed from my report. It is my understanding that you will recheck this item with the creditor who has posted them. Please again remove any information that the creditor is unable to verify. 

Thank you
Product: Debt collection

I had previously filed a complaint that was close because I did not have enough information or remember any of the debt collection company names. The complaint was  under:  XXXX  and was closed last year in   XXXX   XXXX  . I went overseas to work during that time and came back home in  XXXX  of  XXXX . I still have new messages pertaining to a  XXXX   XXXX  who has had the my current home phone number. From at least  XXXX  of the year  XXXX , I have had multiple daily calls from  Penn   Credit COR  at  XXXX  and  XXXX   XXXX  at  XXXX   XXXX  about debt collection. These calls start early in the morning between  XXXX  and  XXXX . No one is usually here to answer the phone and the answering machines only stores so many messages. In the past when I was home to answer the phone, I would tell the debt  collectors t hat they had the wrong number and they would stop calling after a few days. Shortly after that, there would be a different company call, and so on and so forth. It appears that they would close the file and give it to another company, but still use the client 's last know phone number which is my current number. Since the client has a female name, I think that they think I am her and that is why they keep switching the file off to other companies. This has been happening for probably 4 years and I would like it to stop without me having to change my phone number.   thank you