23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instruction for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My requested to block ins not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transaction. The identified transaction is not information related to any transaction by me as the consumer : I have the right to privacy on private transactions. I do not consent to eoscore. As a consumer reporting agency you assume a vital role to make sure that all information on my consumer report in accurate, fair and equitable.
Product: Credit reporting or other personal consumer reports

This Company called Early Warning Services, Has all of My personal and private banking transaction history, Bank Name, Status History, balance information, routing and account number, etc.I ask the agent how they have all my information without my consent, and he told me my bank.I told him that in my terms and conditions it clearly states, they do not provide my information to non affiliates, but XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX , are Third Party Companies My bank Violated me under the Privacy Act of 1974 .So Per the FCRA, as a Federally Protected Consumer, I XXXX XXXX , I am now opting out any and a authorization, I XXXX XXXX the consumer may have giving you, written, unwritten, verbal and non verbal per 15 USC 6802.Period, Point, Blank! Effective now and Indefinitely.I feel anguish, humiliation, grief, betrayal, lost of words for my banks in a whole past and present.The law says it is illegal to report transaction history period
Product: Credit reporting, credit repair services, or other personal consumer reports

The payment history on my credit file reported by US Department OF EDXXXX is unlawful I was not required to make any payments on my XXXXXXXX loans during the pandemic. The months that is reported negative was during the pandemic and I was not required to make any payments according to covid 19 guidelines therefore the payment history is inaccurate. Secondly The inquiries on my credit file need to be investigated and I request the written permission that allegedly was given by me to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. I have not given these companies permissible purpose to view my credit file. XXXX XXXX XXXX XXXX is reporting fraudulent information on my credit file I have no binding contract with them therefore I have no obligation to pay them also reporting the fraudulent account with extortionate intent is unlawful.
Product: Credit reporting or other personal consumer reports

FTC Identity Theft Affidavit I am filing this FTC Identity Theft Affidavit to report 4 separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a auto account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX a child support at XXXX XXXX XXXX XXXX XXXX under the account number XXXX and another XXXX XXXX  account on XX/XX/XXXX ; XXXX under the account number XXXX, another XXXX XXXX XXXX on XX/XX/XXXX account number XXXX .These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 


Consumer Name : XXXX XXXX XXXX Consumer Social Security Number : last XXXX of social XXXX Consumer Date of Birth : XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections that appears related to the aforemention. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

What would be a fair resolution to this issue?

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TransUnion credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX.
Product: Debt collection

I have been attempting to contact this company ( Smith Rouchon & Associates Inc ) about 3 debts they state I owe with XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. I have NEVER received any type of statement and I actually disputed the items under my XXXX  credit report in which they removed all three because they were in fact no validated debts. I have requested that XXXX does the same ; however, XXXX will not honor and remove it stating it is a valid debt however I have asked several times to send proof of validation and I have yet to receive anything from either XXXX nor Smith Rouchon & Associates.
Product: Credit reporting, credit repair services, or other personal consumer reports

InXX/XX/XXXXanaccountwasremovedfrommycreditreportasitwasnotmine.NowinXX/XX/XXXXallofasuddenitreappearswithoutthe5dayreinsertionlettertheyaresupposetosendme.8monthslatertheyputitbackonTransunion.Isentthem3lettersstatingtheydidntnotifymewitha5dayletterpertheFCRAandthecompliancelawsandtheystillwonttakeitoff.Ineedthisaccountremovedperthereinsertionlawasitwasremoved8monthsago
Product: Credit reporting or other personal consumer reports

Re : Request for Removal of Bankruptcy from Credit Report I am writing to formally request the removal of a bankruptcy entry from my credit report. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a bankruptcy can be reported for no longer than ten years. However, XXXX  XXXX bankruptcies can typically be removed after seven years from the date of discharge, and XXXX XXXX bankruptcies can remain for seven years from the date of filing. 

The bankruptcy in question was filed on XXXX XXXX 2017 and was discharged on XXXX XXXX,2017 and it has now been seven years since the discharge date. Under Section 605 ( a ) ( 1 ) of the FCRA, the credit reporting agencies are required to remove this information from my credit report after seven years.

The details of the bankruptcy are as follows : - Bankruptcy Case Number : XXXX XXXX Filing Date : XXXX XXXX 2017 - Discharge Date : XXXX XXXX 2017 Given that the seven-year period has elapsed, I kindly request that this bankruptcy be removed from my credit report. Enclosed, you will find a copy of my credit report highlighting the bankruptcy entry, as well as documentation verifying the date of filing and discharge.

Please provide written confirmation of the removal of this bankruptcy from my credit report within 30 days of receipt of this letter. Should you need any further information or documentation, please do not hesitate to contact me.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXXXXXX
Product: Checking or savings account

I applied for a loan with discover personal loans. They requested my most recent 3 months of bank statements I provided statements for XXXX XXXX and XXXX of XXXX. They wouldnt continue processing my loan until I provided them a XXXX statement. I have no XXXX statement as my bank doesnt provide until around the XXXX of the month. Discover has no disclosures that I seen that says if you apply at the end of the month you must wait for your bank statement before your loan will be processed. Had I known this ahead of time I would have never applied as it resulted in an inquiry to my credit report. I think discover is being deceiving.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not make these inquires. I did not grant permission for these inquiries. It is likely that these inquiries are the result of fraud. I would like each company to provide written proof that I gave them my written permission to access my credit report. I have made an effort to resolve this where I have good contact number. Those companies have not been helpful. Instead, they have given me the run around. I have I contacted the credit bureaus and they send me back to the companies. This is extremely frustrating. 

Thank you.
Product: Checking or savings account

I spoke with Chase bank fraud department today, XX/XX/XXXX, to tell them about fraudulent use of my checking account to pay an XXXX bill which is not mine and was not authorized to be paid with my account. I gave them dates and amounts. XXXX XXXX, XXXX for XXXX ; XX/XX/XXXX for XXXX ; XXXX XXXX, XXXX for XXXX ; XX/XX/XXXX for XXXX ; XXXX XXXX, XXXX for XXXX ; XXXX for XXXX and XX/XX/XXXX for XXXX. I asked that i get the money bank for these fraudulent withdrawals. I was told to call XXXX who would not help since I did not know the thefts name and address on the account. XXXX did admit that my bank account was paying the thief 's bill.
Product: Debt collection

Called multiple times from different numbers about a debt that is not mine. Every time I press for more information they hang up.
Product: Credit card or prepaid card

I have more than XXXX Ultimaterewards points accumulated in my Chase account over many year which worth over {$2000.00}. I just noticed that the point balance returned to zero. I called the custom service and they told me that my Chase freedom card was closed by Chase due to inactivity ; hence the points balance was forfeited as I did not redeem the points in time. Even though Chase claimed that they have sent me letter notifying me about the account closure ; from my side, I have not received any about account was closure. Hence, I was not aware that I should redeem the points. I accumulated the points over many years as a customer using Chase credit card, forfeiting the points is not a fair practice.
Product: Credit card

I have always paid online at my chase account. When I sign in it then request a code that will will be sent to me over my phone or email. However it does not give me an option to receive the code. They claim every time I call ( 7 ) that it is fixed, but it isnt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXXXXXX # XXXX, # XXXX Account name XXXX XXXX XXXX : # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXXXXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX  # XXXX, Account name XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX  # XXXX, Account name : XXXX  # XXXX, Account name : XXXX XXXX  # 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: Credit reporting, credit repair services, or other personal consumer reports

The accounts reported by Navy Federal Credit Union ( a credit card in the amount of {$7500.00} and a personal loan over {$10000.00} ) were formally requested under FCRA guidelines on XX/XX/2023 to be validated. The debtor refused. The personal loan was a motorcycle loan- the debtor requested the payoff letter from them showing verbatim paid in full be provided, it was. Still they refuse to remove these fraudulently reported accounts. As I have followed federal laws and regulations outlined the the FCRA and the debtor has far surpassed their legally allotted 30 days to provide validation these accounts can not legally stay on my credit report. Please remove them promptly. All attempts to get the debtor to cooperate have had no result.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for a XXXX XXXX Yield Pledge Money Market Account on XX/XX/2023 and my application was denied due to Lexis Nexis Risk Solutions Bureau LLC/Risk View Consumer Inquiry Department reporting an inaccurate Risk View Credit Score of:XXXX, Identify theft alerts and identity elements not fully verified on all available sources. My Risk View Credit Score is suppose to be at XXXX and there shouldnt be any identity theft fraud alerts on my Lexis Nexis Risk Solutions Bureau LLC Consumer Report.
Product: Debt collection

Please Read the enclosed Affidavit. This has been forwarded to General Attorney of California. The FTC, AND THE OCC
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consimer Financial Protection Act ( CFPA ). Specifically, Cashapp faulted to take timely and affective measures to prevent any address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electrojic Fund Transfer Act ( EFTA ) and Regilation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
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 : XXXX XXXX XXXX  Account Number:XXXX  Account Name : XXXX  XXXX XXXX Account Number:7466 has violated my rights. Or a list of inquiries : 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: Credit reporting, credit repair services, or other personal consumer reports

An account that is incorrect is reporting on my credit reports XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

The HELOC in question was opened in XXXX of XXXX at the XXXX, PA XXXX of PNC. At that time, we took an initial $ XXXX draw at a fixed rate and was told we could pay off as much as we would like as we did not need the full amount immediately. I confirmed with representative and later the phone that we would keep our fixed rate. 
As we split our home project into several parts, we paid down the line by $ XXXX in XXXX and XX/XX/XXXX. When we started to draw additional funds, I noticed that the new balance was at a higher rate. I scheduled a meeting with XXXX but when I showed up my original rep had transferred me to another employee who told me my only option was to refinance the entire amount at 10 %. 

In looking at our budget, realized we would need to cancel the additional phases of our house renovation because I could not afford to pay a {$960.00} fixed payment and several XXXX dollars monthly in variable payments. 

Looking for help, I called PNC and was told I could call monthly and have a XXXX entry be completed to move my fixed payment and apply it all to the variable balance at the higher rate. I have called for the past 5 months and must explain the situation over and over as there are no notes on my account. It takes me close to an hour each month on the phone. I realize now that no adjustments have been made and my variable balance continues to grow as interest rates rise. My payments have XXXX {$350.00} a month and will continue to increase. 

Now I realize my original customer service representative did not understand fixed rate HELOCs and I should have contacted an outside source. What I am upset about is that PNC representatives over the past 5 months promised me they would make an adjustment, and nothing was ever done. 
I would prefer my entire loan balance be reset to the XXXX XXXX ( there was an initial error on this as well ) but I would be happy if my payments since XX/XX/XXXX be applied to my Variable rate balance ( currently {$36000.00} as of XX/XX/XXXX ). This will allow me to pay the original {$960.00} fixed payment and then a smaller variable payment each month. 
My wife and I have had a very good relationship with PNC and were going to switch all our banking to you from XXXX XXXX. Unfortunately, this situation has caused a tremendous amount of stress and worry in our household over the past 6 months, and we have not made any changes. Any assistance with the initial fixed to variable conversion or applying payments to the variable balance will make us view PNC quite differently than we do now.
Product: Credit reporting or other personal consumer reports

I Sent my letter off on XX/XX/XXXX. I told the credit bureau to REMOVE my information on the accounts I have listed below. Also I have attached the letter I sent out and here is the Tracking # XXXX XXXX XXXX XXXX XXXX XXXX. 
I am aware that sharing my personal information in illegal the company is violating and going against The Gramm-Leach-Bliley Act that was signed into law in 1999, designated to protect consumers ' privacy in the realm of financial institutions which are, obviously, privy to quite a bit of personal and sensitive customer data.
Product: Debt collection

I received an email stating a derogatory mark has been added to my credit report. I looked at the email and it said Jefferson Capital Systems, a dept collector has added a derogatory mark and the original creditor was XXXX  and the account was opened in XX/XX/2023. I was surprised because I have never heard of Jefferson Capital Systems nor have I ever received mail or phone communication regarding any debt. I have had XXXX XXXX for over 5 years now and have not had XXXX  since before that and was under the impression that when I switched carriers I was on good standings with XXXX  because they have never sent me ANY past due bills. So you can imagine my surprise when over 5 years later I get a delinquency reported to my credit report. I called Jefferson Capital Systems at the number listed on the report at ( XXXX ) XXXX. After reaching an agent I asked why they reported a delinquent account without sending me any information. I havent received any mail or calls. The agent had no answer and also no answers about the debt. They wanted me to subscribe to verify identity for {$1.00} for first 7 days and {$29.00} a month after that. I told the agent I did not feel comfortable giving them information containing my credit card/banking info. The agent says you have to subscribe or I cant tell you the information and this is after already verifying information with the agent on the phone. If the debt is mine thats fine I would pay it it but I want it removed from my credit report because Ive had no notice of the debt at ALL! I should not be punished because this debt collection agency is not doing their job correctly. Also I called XXXX ( owner of XXXX  ) and gave them my social security number to see if Ive ever had any debt with them or XXXX  and they could not find any information at ALL! So how can i verify the debt is even mine?!
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

TRACKING # XXXX XXXX XXXX XXXX XXXX ATTN : TRANSUNION TO WHOM : IT MAY CONCERN ACCORDANCE TO TITLE 15 6801 ( a ) ( b ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) PROTECTION OF NONPUBLIC PERSONAL INFORMATION ACCORDANCE TO TITLE 15 USC 1681a ( 2 ) I DIDNT GIVE WRITTEN CONSENT TO HAVE THESE TRUST UNAUTHORIZED ACCOUNTS AND LATE PAYMENTSTHEY READ : XXXX XXXX XXXX  XXXX ACCTS : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX  XXXX LATE PAYMENTS ACCTS : # XXXX, ACCT # XXXX XXXX XXXX XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX  ACCT # XXXX XXXX XXXX ACCT # XXXX TO BE FURNISHED/REPORTING ON MY CONSUMER REPORT. I HAVE FILED A POLICE REPORT CASE # XXXX AND IVE FILED An FTC REPORT UNDER OATH THAT FEDERAL NUMBER READS # XXXX IT IS YOUR DUTY TO REPORT ACCURATE CLEAR AND PRECISE INFORMATION AND PROTECT THE CONSUMER PLEASE DELETE THIS IMMEDIATELY THANK YOU VERY MUCH IN THIS MATTERANDD IN THAT ORDER. THX IN ADVANCE GOOD SIRS/MAAM. 


SINCERELY, XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

In XX/XX/XXXX I switched 3 phone lines from TMobile to Sprint, I was sent a final bill by T-Mobile for {$580.00} that I could not pay at that time. I followed up in XX/XX/XXXX and spoke with manager by the name of XXXX, she stated I had final bill and a phone that was not returned, the phone was returned in XX/XX/XXXX ( I have Drop-off receipt from UPS ). I again followed up in XX/XX/XXXX and was told 'that 's too bad, it has gone to collections '' handle it with them. Southwest Credit System is stating that I owe {$2600.00} without any proof of how that amount can be justified.