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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$59.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I  am writing to request the method of verification for dispute initiated on XX/XX/2020 and the subsequent response received on XX/XX/2020 enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2020 with a balance of {$59.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, 2016 I XXXXd from my now XXXX XXXX. On XX/XX/2016, my ex husband was ordered by court to pay the Wells Fargo mortgage on time and in full by the XXXX of every month. Only my name is on the mortgage. I have have gone to court over XXXX times to get him to pay the mortgage which has been extremely late every month. Wells Fargo has refused to help address the negative factors on my credit report due to his failure to comply with multiple court orders. The mortgage has now been sold but my credit is destroyed due to the negative reporting by Wells Fargo. 

I want my credit cleared of the negative marks as this has nothing to do with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello and thank you for your help. I'm exhausted. I ordered my credit report for the first time in years in XX/XX/2017 and discovered 8 accounts that were in question and unauthorized inquiries. I sent notarized and certified verification letters to the three major credit bureau XXXX XXXX, XXXX, Experian and also directly with those creditors. I've had success and down to 3 account still ignoring me and reporting negatively with no verification. XXXX XXXX, XXXX XXXX, and XXXX. It has been 6 months now and they and the thee Bureaus have given no explanation or physical documentation just stating " verified '' on my credit reports and not removing the unauthorized inquiries. I've sent out 4 rounds of disputer letter over 6 months. Please Help Me.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$5700.00} ; XXXX XXXX Balance : {$5600.00} ; XXXX XXXX  XXXX XXXX XXXX : {$5700.00}.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXXXXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX - Account Number : XXXX - XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX - Account Number : XXXX - XXXX - Account Number : XXXX - XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information to be blocked and deleted. My request to block is 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 transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXXXXXX XXXX ACCT. # : XXXX In accordance with the Fair Credit Reporting Act, the following businesses and referenced accounts have violated my rights : XXXX XXXX XXXX XXXX # : XXXX 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 states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

See all attached files associated with this. They keep saying I am XXXX XXXX XXXX, XXXX. I repeatedly told the plantiffs attorney that I am not here and that my father 's name would have to be XXXX XXXX XXXX XXXX My father 's legal name is XXXX XXXX . He has been deceased since XX/XX/XXXX. They are saying that the account was opened in XX/XX/XXXX with the address of XXXX XXXX XXXX XXXX, Tx. My legal address as of XX/XX/XXXX is on file with this agency. Also there is another document attached from the XXXX County website where you can access court records. If you will notice there is no TX DL No found associated with this person. I provided the processor with a legal birth certificate and the plantiffs attorney would not buy it and is not buying it even after I talked to him. They are saying I am XXXX XXXX XXXX XXXX. I am not. We are not the same person. I guess they will say that the DL NO belongs to XXXX XXXX XXXX XXXX Any legal document will not have initials on it, it will be a full name.
Product: Debt collection

I have a collection agency that has been harasses my family for me and they tell everyone that they are the cops and they are putting me in jail and telling everyone they are a collection agency and they call me and tell me that they are going to put me in jail if I do n't give them my place of employment. And to top it all off I believe this bill is over 7 years old! I need help cause they are calling me all day on my cell phone and I 've told them several times to stop calling my cell phone. I believe it is rent a center in XXXX. And I live in XXXX
Product: Credit reporting or other personal consumer reports

rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

I looked at my Equifax credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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: Checking or savings account

I have had my account randomly flagged and terminated by robinhood in late XXXX. After a promise to be able to withdraw my funds in 7-10 days I still have no access to this and have been given the run around through email as well as over the phone. I have a medical and dental emergency to pay for and without being able to withdraw my funds I will be struggling to pay for these things
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion Consumer Solutions, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX XX/XX/XXXX To Whom It May Concern, This letter is a follow up to my original letter dated regarding an inaccuracy in your credit reporting. Specifically as it relates to credit inquiries that I did not authorise, made by the following companies : Inquiries : XXXX XXXX XXXX XXXX XXXX I did not authorise anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Ive called and written letters to both EQUIFAX and XXXX telling them that my address listed is wrong and has no association with me currently as per Fair credit reporting and that it needs to be changed to my current address. I sent them a copy of my current license and social security card via upload documents as well as bank statements. 

XXXX refused to change my address due to a derogatory account listed on my report by a third party debt collector to whom I have no contractual agreement with where my name is misspelled on the actual bill and I disputed twice with both the company and XXXX credit bureau citing that I have never had any public service bill in my name and that it was clearly fraudulent. Moreover, I did not live at the address during the timeframe of the bill statement
Product: Credit reporting, credit repair services, or other personal consumer reports

Monday, XX/XX/2019, we applied for a personal loan, loan officer told us they could get my report but not my spouses report, due to a security freeze on his account. THIS SHOULD NOT BE AND WE DID NOT REQUEST IT!! Now we were told we have to wait 3-5 days or longer to get it taken off, that they can not do that at our request. In that amount of time the vehicle we are trying to purchase with the pending loan, could be sold and they we are XXXX! Also, if it is still there whenever they ( Experian ) get around to fixing it, we most likely have to re-apply and start all over again. Who gives the credit bureaus the right to ruin or control our lives? And who, when we know we did not put the freeze on it, did do it? This was a problem back in XXXX of this year, when we tried to refinance our home, it was an AWFUL time trying to get it, but supposedly they took it off, so now how did it get back on ... .we want it done XXXX, before we lose out altogether!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureaus fail to provide me with proper validation of a alleged account on my consumer report..CCS Collection violated my rights pursuant to 15 us 1692g by not providing me with the five requirements that is needed to validate a alleged debt.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason : Unverified account Account Name : XXXX Account Number : XXXX Reason : Unverified account My social security number has been compromised from the social security breach that occured in 2024 access to the XXXX XXXX XXXX XXXX. 

Thank you for your prompt attention to this matter. Please feel free to contact me at XXXX or XXXX if futher information is required.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX my wife filed alone for bankruptcy. We had a joint line of credit with Wells Fargo. When she filed the joint line of credit was part of the bankruptcy. Due to it being part of the bankruptcy filing the account was removed from our online account. After a few months I noticed a drop of my credit score of over XXXX points. Once I saw the drop I looked up and found 2 late payments on the line of credit. XX/XX/2020 XXXX 30 days XXXX XX/XX/2020 XXXX 60 days XXXX. When I found out this information I immediately contacted Wells Fargo and paid the balance late due of {$630.00} on XX/XX/XXXX. 

Talking with Wells Fargo once an account is closed thru bankruptcy they no longer send any statement 's out. Therefore I was not informed on the balance due or how much I owed. I was informed when I called in XXXX that I will have to send a written notice to get a statement sent to me. 

I wrote Wells Fargo on XX/XX/XXXX requesting them to fix my late payments on my credit report and they sent reply back on XX/XX/XXXX. Deny I am not disputing the payments owed but it was impossible to know if they don't inform you about any payment due.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX Collection : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment : XXXX XXXX XXXX XXXX XXXX XXXX  Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth, ( XX/XX/XXXX ) Contents of complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681 c-2 ) that you, the Equifax credit reporting agency , block any information reporting on my consumer FICO credit report that is the result of identity theft and fraud within the 4 days of you receiving this complaint. This inaccurate, fraudulent, and false information consists of multiple accounts which are listed below : -The 1st fraudulent account consist of a personal credit card account issued by XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number ( XXXX ) -The XXXX fraudulent account consist of personal credit card issued by XXXX XXXXXXXX on XX/XX/XXXX under the account number ( XXXX ) -The XXXX fraudulent account consist of an auto loan issued by XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX the account number ( XXXX ) -The XXXX fraudulent account consist of a personal credit card account issued by XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ). 

These accounts have resulted in numerous fraudulent hard inquiries and fraudulent collections reporting on my consumer XXXX credit report. I've also attached a list of the unauthorized hard inquiries in question as well as a copy of my consumer XXXX credit report, which is maintained by you, which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries appearing on my consumer report. The aforementioned accounts, collections, and hard inquiries reporting on my consumer XXXX 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 XXXX copies of FTC Identity Theft Affidavit reports ( Report # XXXX & Report # XXXX ) as 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.
Product: Prepaid card

XX/XX/XXXXthru XX/XX/XXXX unemployment pandemic paid put XXXXBank of America only has recorded XXXX I called Bank of America they told me to call an unemploymentoffice or call unemployment office they tell me to call Bank of America so it's been going around in circlesXXXX send also betwin XX/XX/XXXXthrXXXXXX/XX/XXXX I did not receive the {$720.00} payments at the ATM or withdraw the first purchase on that card was was fraud from a wireless XXXX wirelesstelephone company.
Product: Credit reporting or other personal consumer reports

I have no connection to the listed creditors and did not authorize these inquiries.
Product: Checking or savings account

Last week of XX/XX/2020 bank closed my account and in that account was a pension check
Product: Checking or savings account

For some years I had been a member of XXXX and in the fall of last year it was acquired by PNC bank. Part of the information mailed out to me was that I would get a new card among other things for my account, which never happened. As this was a secondary account I had just in case I needed a local bank I didn't think much of it as I didn't need daily access to the account. Fast forward to this summer after I've moved and imagine my shock when I start getting forwarded mail that my bank account has been emptied due to service charges and paper statement fees. My account at BBVA had no minimum balance required to avoid service charges, nor was it set up to send me paper statements. It's awfully predatory to acquire a bank that provides free checking and then switch all those customers over to a product that requires a non-trivial balance and then start stealing their money without sending explicitly worded letters and an easy way for them to close their accounts. The best part now is I can't even easily access the small pittance of money PNC has left me because after calling them on XX/XX/XXXX they somehow can't give me access to my account and now I'm left in limbo waiting to hear from them before I can take any further steps. I don't want to, nor have I ever wanted to bank with PNC, at this point I just want them to return the money they have stolen from me ( it's disingenuous to call this anything other than theft when they actively pursued and acquired a bank with no minimum balance and then switch everyone over to paying service charges without any other easy option ) and close my account. I fear without making this complaint I will keep getting the run around ( they couldn't even get my access to my account when I called ) and they will try to hide behind the fact that they sent out generalized mass mailers when the acquisition of BBVA occurred despite this mass mailers having little, if any directly actionable information ( how can I log into my PNC account without the PIN or debit card they said they would send? ).

Let me reiterate, the average banker expects their accounts to stay the same even through an acquisition, not to suddenly start being charged fees that weren't even a possibility when they first signed up for the account. How this is considered an acceptable or legal practice to acquire smaller banks and start fleecing it's customers for thousands is unbelievable.
Product: Credit reporting or other personal consumer reports

I am reaching out to address a critical matter concerning Volkswagen Credit 's inaccurate reporting on my consumer report, disseminated by XXXX, XXXX, and XXXX, which I believe constitutes violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s2.

The FCRA clearly states in 15 U.S. Code 1681s2 ( a ) that furnishers of information to consumer reporting agencies have a " duty to provide accurate information. '' The law prohibits the furnishing of any information " if the person knows or has reasonable cause to believe that the information is inaccurate. '' Moreover, the Internal Revenue Service ( IRS ) regulation is explicit, stating, " Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. '' It is crucial to note that the IRS defines a charge-off as gross or ordinary income, emphasizing that " income does not get reported on the consumer report. '' Thus, any reporting of this account as a debt is inaccurate and in violation of IRS regulations. 

On XX/XX/XXXX XXXX I sent a letter to Volkswagen Credit ( Certified Mail # XXXX ), seeking resolution and clarification. Unfortunately, there has been no change in the account status, which is particularly troubling. As per 15 U.S. Code 1681, transactions history by the consumer should not be reported, and I urge the immediate correction of the account status to reflect " closed and paid as agreed. '' Additionally, the reporting of late payments across all three credit reporting agencies by Volkswagen Credit is inconsistent with 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ), which prohibits the furnishing of inaccurate information. The law specifically states, " 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. '' In light of the above, I formally request a method and mode of verification for each credit reporting agency to rectify these inaccuracies promptly. 

I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will conduct a thorough investigation to ensure compliance with consumer protection laws. 

Thank you for your time and consideration.