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

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify. Through the physical verification of the original signed consumer any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I demand that the following account be verified or removed immediately : XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX  Account number XXXXXXXX XXXX CARD ACCOUNT XXXX In addition, please remove all non-account holding inquires over 30 days old. Also, please add a promotional suppression to my credit file. 
Under feral law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days or the completion of your re-investigation. 
Thank you, XXXX XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/2019 I filed some disputes for XXXX XXXX XXXX on devices I didnt receive, I explained my situation to PNC bank about this and field the dispute, pnc does not any to help and told me to deal with XXXX XXXX XXXX and get my money back its like I just gave XXXX XXXX XXXX   free money, I explained to pnc that Ive already went through XXXX XXXX XXXX and nobody wanted to help and I did file other disputes but this bank is just that bad I trusted pnc to get my money back but I was denied and bad customer service, I would not recommend this bank or smart access card to anyone, I have tried to resolve this this but I cant thats why I filing this complaint, one was for XXXX dollars the other was for XXXX dollars and the other ones for XXXX and XXXX, this bank does not want to help the customer and I was told cant help you please resolve this before I file a XXXX XXXX XXXX complaint
Product: Credit reporting or other personal consumer reports

Someone opened a fraudulent loan under my name. It tanked my credit score because that person never paid a XXXX on the loan. I started a claim with the company per their instructions and had to send them my personal information twice, because " they never received it '' the first time. I was not at all comfortable sharing this information with this company. The company is impossible to reach. I have called them at least 3 times a week for the past 3 months. Each time, I am placed on hold, and the conversation takes anywhere from XXXX minutes with the end result being, " my case is being reviewed. '' They are disorganized and terrible at keeping records because every time are taking longer to review my information than they apparently did to verify the thief who opened the account. The account was opened with an address I never resided in and a phone number I have never owned. They have made it very easy for any con artist to open fraudulent accounts and make little effort to resolve the issue. I need this loan to be removed from my credit report to restore my hard earned excellent credit score.
Product: Credit card

Good morning, My name is XXXX XXXX / XXXX XXXX Ct / XXXX XXXX / Fl / XXXX. 
I received notification that my payment was due on a card I have not used since XXXX XXXX XXXX. I logged into my account to discover that it showed 60 days past due on a {$XXXX} charge. I paid my balance in full per the creditors online website on. The website for my credit card stated I owed a total amount of {$XXXX} ( statment balance/total amount due ) no later than XX/XX/year>. I made the payment in full on XX/XX/year>. This is before the billing cycle ended and I should not have owed additional money. This card was then stored away for safe keeping and recorded by me as paid in full. It is now being reported to the XXXX credit bureaus as delinquent by 30 days and then again as 60 days and I feel this is more than inappropriate and unfair to me as a consumer. No contact was made to resolve this issue timely to avoid this and has created a significant impact negatively on my XXXX XXXX and payment history. I have had 100 % on time payment history for almost a decade and worked extremely hard to maintain that for myself and my family to better our credit/financial oppoortunities. Now I am in the process of shopping around for home builders and contractors to accomodate my aging mother living with myself and my family and feel this will hurt my chances to accomplish this therefore negatively impacting my family life and my abilities to take care of my mother. I am requesting that someone please assist with this complaint that I have as I am getting no resolution. I tried contacting the original creditor but when speaking with a customer service representative about the unfair credit reporting and in my opinion a fraudulant balance owed of {$XXXX} I was refused the ability to be able to speak to a XXXX or XXXX when I asked. I paid what they stated I owed due to the negative experience and fear of the continuation of negative reporting if I did not pay. I feel this company fraudulantly charged a finance charge after a billing cycle end date on a XXXX balance and in return should be held accountable and responsible to correct this for me. 
Creditor : XXXX XXXX XXXX XXXX XXXX CXXXX XXXX ) XXXX Accounty Number : XXXX Statement attached for more detailed reference. 

I would appreciate any assistance and your time. 

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

I am an identity theft victim. I am writing to request that you remove the following items from my credit report. Each of the transaction I have identified were made by the thief, not by me. I never authorized, used, or benefited from these transactions in any way : The following information needs to be removed from my credit report : ( BLOCK ACOUNTS WITHIN 4 BUSINESS DAYS OF RECIEPT ) Credit Inquiries .XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

15 U.S. Code {$1600.00} c-2 a consumer reporting 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. I HAVE ATTATCHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICTS FROM TRANSUNION
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing accounts on my credit report for over 90 days and XXXX, XXXX and Equifax have not placed these accounts into dispute. They are not placing the dispute comments on the credit file, nor have they changed any reporting of the disputed accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX,2017 I sent XXXX, Equifax, XXXX a certified letter with confirmation of delivery which was sign for on XXXX XXXX,2017 from XXXX, Equifax XXXX,2017 and XXXX on XXXX,2017 I explained to Credit reporting agencies I have several company on my credit report I did n't sign a contract with. I ask for Credit reporting agencies to verify the credit with the company with a sign signature and photo of me to verify the debt. I also contacted the companies certified mail requesting the validation of debt I never received a response from the companies or Credit reporting agencies verifying the debt belonging to me. I have made several called many times to the credit reporting companies via telephone and I have been unsuccessful with resolving this matter. Also I have several unauthorized inquiries on my credit report. I havent requested credit with any companies in the last 6 years. I have a credit freeze on my credit file. With the freeze listed on my credit file my identity has to be verified before pulling my credit which it was n't been verified. The number listed on my credit freeze is the wrong number listed for me which is how I know my identity was never identified. Below is a listed of companies I ask for validation of debt. A sign contract with my signature and a copy of my photo. 1. XXXX XXXX 2. XXXX 3. XXXX XXXX 4.XXXX 5. XXXX XXXX XXXX 6. XXXX  XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX Thanks for looking in this matter for me. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I placed a security freeze on my XXXX credit report due to previous fraud on XX/XX/2023. On XX/XX/2023 I was alerted to two new inquiries & subsequent accounts on my report for student loans from " Dept. of EducationXXXX '' in Texas, which are NOT my accounts!! ( I am almost XXXX & live in another state. ) I have repeatedly tried to contact XXXX by phone, online, etc. & they have me locked out to dispute this obvious identity theft. Since I established a security freeze prior, they should NOT have even allowed any accounts to be opened or inquired about without contacting me.
Product: Credit reporting

This company XXXX is reporting on my transunion in collections and I spoke with XXXX, this is an broken lease or owed money to a rent office or something of that matter the address on this is never been an address of mines so I disputed it once I found out. Transunion claimed to have verified it, however they did not prove it with any of my correct information this is not my account and never has been. Transunion had 30 days to prove it and they only said that it is valid. They did n't provide or have any proof. This is why I have fraud alert on my credit files
Product: Credit reporting, credit repair services, or other personal consumer reports

in according with the fair credit reporting act XXXX XXXX account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX  Account XXXX XXXX, XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX XXXX has avoided my rights
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian shows a 120 day missed payment for XXXX when the month only has 31 day for XXXX XXXX. Experian continues to allow XXXX XXXX XXXX to report my account as having a delinquency when the account is XXXX Protected. The account report shows a status of past due for 180 days late and a past due amount of {$6800.00} which is not true and should be XXXX protected on a forward going basis per their legal agreement to me in writing from their legal department this agreement is on a forward going basis and is a legal document. The account was never late but shows missed payments. XXXX XXXX agreed to keep my account in XXXX protected.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. XXXX Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has deleted these fraudulent accounts. 

There is the proof that I was in fact a victim of this XXXX data breach as you may know XXXX deleted the accounts from my credit reports because I was a victim of this data breach now Experian is refusing to delete these items from my credit report. Please delete them immediately as I was a victim of this XXXX data breach. 

The fraudulent accounts in question are listed below. 

XXXX 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: Checking or savings account

Hi I need your help. Last week Citibank closed my bank account without any notice and I have XXXX in that account. When I went in person to my local branch manager I spoke with XXXX XXXX and he told me that he is not sure where the money is. It may have been mailed. I have not received a check and have no funds to pay my bills or live off. Please help me get my money back from Citibank! This is absolutely outrageous I am a XXXX  and almost had a XXXX XXXX at work.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Collection Account on My Credit Report Dear XXXX XXXX XXXX to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report : XXXX XXXX XXXX Account Number : XXXX Amount : {$800.00} Date of Account : XX/XX/year> I did not authorize this account and do not recognize the mentioned debt. I request that you investigate this account and remove it from my credit report as soon as possible. 
In accordance with the FDCPA, specifically Section 809 ( 15 U.S.C. 1692g ), I request validation of this debt. Please provide me with verifiable proof that this debt belongs to me. 
I appreciate your prompt attention to this matter and look forward to your response in accordance with the FCRA and FDCPA.
Product: Credit reporting or other personal consumer reports

TransUnion received several complaints regarding a fraudulent trade line from XXXX XXXX XXXX. They refused to block the XXXX by refusing to cooperate with FCRA 605 B
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a validation letter to XXXX, XXXX, and Experian regarding some inaccuracies that are reporting in my credit report ( attached below ). I exercise my right to request all three bureaus to provide me with verifiable proof that the negative items reporting on the accounts listed below belong to me or they have to remove those immediately. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify through physical verification of the alleged original signed consumer contract to prove those accounts belong to me and that whatever they report on my credit report has to be 100 % accurate. 

On XX/XX/XXXX, I received a letter back from XXXX stated that they verified those accounts as accurate which is false and misleading which is a violation of my consumer rights. How can they verify it to be accurate if you can see the invalid inconsistencies in plain site ( shown below ) As for Experian and XXXX it's been well over 30 days and I never received any investigation results In regards to the late payments that were reported, that is 100 % false because I paid those accounts on time, but to my understanding late payments shouldn't even be reported due to the COVID Forbearance Act
Product: Debt collection

I have made many attempts to remove debt collection company PORTFOLIO Recovery from my XXXX, XXXX, and XXXX, this Debt collection company has been trying to collect a debt i do not owe in the amount of {$1800.00} for several months. 

I have messaged PORTFOLIO Recovery several times stating that this debt does not belong to me, i have requested copy of the original contract with my wet ink signature, i requested debt validation, i have requested voice recording or video surveillance of me signing up with the original creditor or agreeing to pay PORTFOLIO Recovery or the original creditor. I requested a photo copy of my id or a wet ink scanned signature. 

I have requested PORTFOLIO Recovery to provide a copy of certified letter and receipt that they claim that was sent to me. 

This company has not provided any of this after several request. 

This company keeps sending me in the mail a computer printed credit card statement with a name similar to mine with a balance that doesn't show the purchase history, this statement doesn't show what was purchased, where or when. This statement does not show itemized items of how this balance of {$1800.00} came to be. 

It appears to a be a fake credit card statement and a fraudulent debt generated by PORTFOLIO Recovery. 

I have never agreed to this debt, i never signed any contract or agreement to pay this debt with PORTFOLIO Recovery or any original creditor. 

What methods are being used by PORTFOLIO Recovery to validate this debt as accurate?
Product: Credit reporting or other personal consumer reports

I am reaching out to yall, because I have sent out dispute letters Informing the credit bureau Equifax of the inaccurate information being reported. I have updated all of my personal Information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX IL XXXX XXXX XXXX Balance : {$34000.00} XXXXXXXX XXXX XXXX Balance : {$720.00} XXXX XXXX XXXX XXXX Balance : {$680.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion.com website is severely misleading. It guides the user to sign up for an account that appears to be free. During the sign-up process, it asks for credit card information but does not explain what the credit card will be used for. I assumed it would be used to verify my identity because there was NO indication of a dollar amount, charge, or otherwise buying a subscription or paid service. 

Once I completed the account signup process, I discovered that TransUnion charged my card for {$27.00} and set up a monthly recurring charge. This was the very first time I saw that amount, that the card would be used for a monthly service, or that I had signed up for anything paid. 

When I called TransUnion to request a refund and complain about the clearly predatory signup process, the phone agent graciously refunded my money. However, the phone agent also acknowledged that this was an extremely common problem -- she even agreed with me, over the phone, that this practice was predatory and likely illegal. 

I'm not sure how Visa, Mastercard, XXXX, etc., allow this type of processing to occur. I've never seen this type of behavior before -- where a website requests a credit card number and charges the consumer without EVER indicating the dollar amount, the frequency of charge, the services rendered, or anything related to the financial transaction. This is, by far, the most predatory and hostile user/consumer interaction that I've ever seen on the Internet over the 20 years I've been conducting e-commerce.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear sir, I would like to inform the proceedings of XXXX pay account. Today, I received an email to verify the payment method, which had the data of old closed credit card. This credit card was used to charge {$10.00} as a monthly payment for XXXX XXXX, every month. I have checked the payments profile and decided to dispute a content of it. It states the address is XXXXXXXX XXXX XXXXXXXX, United States. However, I have never resided in this town, but only in XXXX XXXXXXXX XXXX  where I have lived more than 19 years so far. I have checked the site of subscription and found there was no items to pay as the subscription ; therefore, it is difficult to consider I had the subscription of XXXX XXXX, which is under deputation. Regarding the charge of XXXX on XX/XX/2015, I found the business site of this company. And I strongly believe we got the subscription from the latter. Since the membership time to XXXX must have been acquired by my son, probably around in 2015, I am sure he does not play this game for extensive period and am not sure whether he remembers he had the subscription. Since I do not remember the charge on this closed credit card, I am sure I have not paid to this game company XXXX. Therefore, I want to request myself the explanation of situation regarding the charge on to this closed credit cards for, maybe, extensive period from your company, since the charges were made by your company, XXXX. 

Sincerely,
Product: Mortgage

I live in a condominium. My mortgage provider ( New American Mortgage ) requires proof of HOA insurance. The mortgage provider sent a letter ( via post ) that stated that since they did not have this proof, they were going to purchase the insurance and charge me for it. My complaints are:1. The notice was sent by post, not email ( even though I have signed up for all contacts via email ). 
2. There was nothing in the letter that indicated there was any grace period ( it was dated the day after the prior policy expired ). 

When I complained to the mortgage company, they told me that they had to mail the letter, could not send an email, and that the verbiage was dictated by the CFPB. 
If this statement is true, then I would like the CFPB to change their guidelines to allow email, and allow the specification of a grace period. If this is not true, then I would like the CFPB to make it clear to the mortgage providers that they have these options ( I would also like to know so I can call their bluff.