23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XXXX  I opened a credit card with Banco Popular de Puerto Rico. Over time, I had to max-out the card to cover unexpected expenses. After it was maxed out, I only payed the minimum and never used it again. This year I am making arrangements to make more payments to the card and I notice a {$95.00} charge every month going back years. I called the bank and they told me it was an optional insurance and that I could cancel it. I told them I never agreed to any insurance on my credit card. The insurance company named XXXX says the bank opened the account on my behalf. $ XXXX  monthly for months on end that I never authorized. I did not even know of the insurance companys existance. I already made a letter to request the cancellation of said insurance policy but neither the bank or XXXX want to take responsibility for charging what sums up to be thousands of dollars without my authorization and against my will.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize these fraudulent inquiries.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Equifax regarding the inaccurate and unverifiable reporting of XXXX dismissed XXXX XXXX bankruptcy entries on my credit report. On XX/XX/XXXX, I sent a formal dispute letter to Equifax via certified mail ( tracking number : XXXX XXXX XXXX XXXX XXXX XXXX ), requesting specific verification details for these reported bankruptcies. However, Equifax has failed to provide adequate information on how these items were verified, which I believe is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Upon reviewing my XXXX consumer report ( Consumer Number : XXXX, Case Number : XXXX ) dated XX/XX/XXXX, I found that the information reported by Equifax regarding the dismissed bankruptcy entries is inconsistent with my XXXX report. The XXXX report includes the following : Bankruptcy Reference Number : XXXX Court Name Listed by Equifax : XXXX XXXX CT Filing Date Listed by Equifax : XX/XX/XXXX Bankruptcy Reference Number : XXXX Court Name Listed by Equifax : XXXX XXXX CT Filing Date Listed by Equifax : XX/XX/XXXX This information does not appear on my XXXX report, which raises serious concerns about the accuracy and verification process used by Equifax. 
In my XX/XX/XXXX letter to Equifax, I requested the following information to understand how these bankruptcy entries were verified : Certifying Entity : The name of the company or entity that certified the accuracy of these bankruptcy entries. 
Verification Documentation : Copies of the documents or evidence used during the verification process. 
Certifying Entity Contact Information : The address and phone number of the certifying entity. 
This information is essential for me to understand the basis on which Equifax claims these bankruptcy entries are accurate, given the discrepancies with XXXX records. 
Equifaxs failure to provide the requested verification details and to confirm the accuracy of these bankruptcy entries appears to violate my rights under the FCRA, which ensures consumers the right to an accurate and fair credit report. By not supplying this information,
Product: Checking or savings account

Unfortunately PNC DID NOT ADDRESS AT ALL THE MOST COMPELLING ISSUE RAISED The copy and past response from an unknown person does not address the issue that I made PNC aware that I am unable to do online banking. 

I AM AN AMERICAN WITH A XXXX. UNDER FEDERAL LAW PNC IS REQUIRED TO MAKE REASONABLE ACCOMMODATIONS. 
I have asked that PNC provides the paper statements to me without imposing a monthly XXXX Dollar fee in the future and provides reimbursement for prior fees. 

Again, in simple terms I am asking PNC to confirm that they will not collect any paper statement fees from me in the future. 
Unless PNC address this issues and provides as required under federal law reasonable accommodations I am considering a complaint to the Department of Justice in case PNC again responds with I would appreciate if someone pays attention instead of copy and paste responses.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law.These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX the federally protected consumer is sending you the last dispute about these false and alleged accounts. XXXX has remove all the account from my consumer report and you should follow suite . I will be attached that consumer report with all the amount remove and deleted. I would like for you do to do the same required by FCRA 15. U.S. Code 1681a accurate and fairness.
Product: Credit card or prepaid card

Today I received an email from Patient Fi stating that my application was denied due to the below : Serious delinquency, Number of accounts with delinquency, Too few accounts currently paid as agreed, Proportion of loan balances to loan amounts is too high, The number of inquiries on the consumer 's credit file has adversely affected the credit score. 
If you have any questions about your credit score, you should contact : 1st of all I feel like I'm being pranked, because I never applied for an account with these people. On top of that I have a XXXX XXXX score with no delinquents. Please review the attachments to support my claim. Also it also shows that on my XXXX credit report these people never accessed my credit report. 

Please let me know if these people are scammers.
Product: Mortgage

Since XX/XX/XXXX i have attempted to have my PMI removed from my mortgage. I had a full appraisal in XX/XX/XXXX which showed by value to be more than sufficient for the requirements. I understood i would still need to pay for their appraiser but we could use that amount as an estimated value. 

I filled out the paperwork, they received, changed the fee, requested new payment etc. Every 2-3 weeks i call and there has been a new excuse as to why the appraisal has not been ordered. Finally they said i owed them an additional {$10.00}, which i paid ( again ) and still have not been contacted by appraiser. 

I have spent so many hours on the phone getting no where with this company. They are in violation of the homeowners protection act. My PMI should have been removed in XXXX at the latest and in XXXX now still waiting for an appt.
Product: Credit reporting or other personal consumer reports

I received notification a few years that I had a bankruptcy on my credit report. I reached out the bankruptcy court in XXXX, WI to ask did they report to the Credit Bureau 's in which they replied NO. I have attempted to dispute this Bankruptcy but it remains on my credit report with this inaccurate information which has not been verified through the " Source which is the US Bankruptcy Court of Wisconsin '' because they DO NOT REPORT NOR VERIFY!
Product: Money transfer, virtual currency, or money service

Cashapp keep recharging old charges to take money out of my account
Product: Debt collection

XXXX my document was lost item that was in my wallet was my ID XXXX card social security when I was travelling XXXX multiple account was open in my name included a auto loan trying to dispute it the company refuses to take action
Product: Credit reporting or other personal consumer reports

The XXXX XXXX XXXX account was removed from my XXXX credit report. Please remove from my XXXX account and TransUnion account. Attached is the proof from 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 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 account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$250.00} under the account number XXXX, a collections account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$720.00} under the account number XXXX, a collections account opened at XXXX on XX/XX/XXXX with a balance of {$680.00}, and an auto loan opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. 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, and hard inquiries 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 # 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: 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. 
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 accounts are all violating my rights, 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 generallf, 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.

15 U.S.C. 1681B ( 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 or other personal consumer reports

In XXXX through XXXX of XXXX, I disputed accounts on my credit report with all of the following credit reporting agencies ( TransUnion and XXXX ) that were inaccurately listed yet DO NOT APPEAR on my credit file with XXXX. These accounts were obtain during XXXX to XXXX  and were used by my spouse. Since it was realized that he opened these accounts in my name without my permission and used the accounts during our marriage, these accounts were listed in the divorce agreement for payment by my spouse ( who initiated opening these accounts ). Since I was being hounded, I paid the settlement amounts as agreed with these companies. These accounts are all inaccurately listed as past due charge off/collections, which is also INACCURATE because a charge off/collections can not be listed as past due. This has caused undue stress in trying to remove this inaccurate information. These companies should not be allowed to post and/or re-post information to my credit files, at all, since the inaccuracies are abundant and constant. 

In accordance with the fair credit reporting act the following companies have violated my rights : 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 

One or more of the following FCRA laws have been violated : 15 USC 1681 section 602-A states that I have the right to privacy. 

15 USC 1681 section 604-A section 2 states that consumer reporting agencies can not furnish an account without my written instruction or consent. 

15 USC section 605A. Regarding identity theft prevention ; fraud alerts and active duty alerts [ 15 U.S.C. 1681c-1 ], I am entitled to have an alert placed on all my credit files stating " Credit file can not be accessed without the permission of XXXX XXXX by calling ( XXXX ) XXXX and given the code name XXXX XXXX  XXXX ''. Identity theft report was given to all credit reporting agencies ( XXXX, TransUnion and XXXX ). 

15 USC 1681i - Procedure in case of disputed accuracy states that inaccuracies must be removed if inaccurately reported, for any and all reasons. I have provided multiple reasons and inaccuracies. 

One one address should be listed on my credit file : XXXX XXXX XXXX , XXXX, IL XXXX ( and no other address should be listed. Only on phone number should be listed on my credit file : ( XXXX ) XXXX ( and no other phone number ). 

I demand that all these accounts listed above be removed from my credit reporting file or risk a {$1000.00} penalty.
Product: Credit reporting or other personal consumer reports

Request for Removal of Inaccurate Late Payments from Credit Report To Whom It May Concern, I am writing to dispute and request the immediate removal of inaccurate late payments listed on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1666 ( b ), and the Fair Debt Collections Practices Act ( FDCPA ), I am entitled to have accurate information reported on my credit file. The late payments in question are inaccurately reported on my credit file and do not reflect my payment history accurately. I assert that I have never been late on any payments, as I have always been enrolled in autopay for all my accounts. The fact that a bill may have been sent to my address does not constitute proof of a late payment. The reporting of these inaccurate late payments violates my rights under the FCRA, as they do not reflect my true creditworthiness. Additionally, the reporting of false late payments may constitute a violation of the FDCPA, as it misrepresents the status\ of my accounts : XXXX  account, account number XXXX. Specifically, late payments were reported for the months of XX/XX/year> and XX/XX/year> Furthermore, the Truth in Lending Act ( TILA ) requires accurate reporting of credit information to ensure consumers are treated fairly and have access to credit based on accurate data. I demand that all late payments currently reported on my credit file be updated to reflect 100 % on-time payments, as per my true payment history. Failure to do so constitutes a violation of my rights under the FCRA and other consumer protection laws. I request that you investigate this matter promptly and provide me with written documentation of the removal of these inaccurate late payments from my credit report within 30 days
Product: Debt collection

On XX/XX/XXXX I received a credit alert stating that a company by the name of XXXX XXXX XXXX added a collection to my XXXX, XXXX and XXXX alleging I owe them {$2400.00}. To date XX/XX/XXXX this company has not notified me of this alleged debt and by not notifying me they have denied my legal right to dispute any debt within 30 days of notification from a debt collection agency - pursuant to 15 USC 1681 et al. This debt has been disputed with the credit report agencies and all they are doing is stating it has been verified, but yet this company has not provided me with ANY type of documentation or communication. This debt is to be removed from all three credit bureaus immediately and proper procedure and protocol followed. I have no reservations in litigating this ridiculous practice performed by XXXX XXXX XXXX in a court of law where I will seek punitive and statuary damages to the fullest extend of the law.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I attempted to apply for a house and was immediately denied by The Saferent company due to supposed information pulled from the credit bureaus. The Saferent company is purposely reporting inaccurate and incorrect information in regards to my credit file. Per the Saferent company all of the information they have on file was pulled from XXXX, XXXX and XXXX. The company also acknowledged that they know that there is a fraud alert on my credit profile but has not removed any or all information in regards to the alert and XXXX did not contact me to confirm that it was I that submitted the application as it is listed to do so on my credit file currently with all of the bureaus. Because of their gross negligence it resulted in an inaccurate denial of the rental property.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but never received a response from them. This account must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I will take legal action against them if they do not validate this account. Please follow the law to resolve this matter as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian report number : XXXX you have failed to do multiple re-investigations and have been in violation of my consumer rights under the fcra. Ive disputed this account multiple times this is my third request to make sure this account is 100 % accurate. till this day I still find inaccuracies which show you have failed to do a proper investigation. 

here again is the account name : XXXX XXXX here again is the account number : XXXX as you can see you are reporting me late 30 days on XX/XX/year> and I have never been late XXXX shows no late payments on XX/XX/year> so why are you reporting me late please remove this account or update this account as never late always on time 100 % payments made on time
Product: Credit reporting or other personal consumer reports

Presence of those unauthorized accounts and enquiries made me feel very anxious about my financial health. The credit report needs to be accurate because it tell the world of lenders what we have done with our money management. I, therefore, ask that an immediate investigation and removal of the following inaccuracies and unauthorized accounts/inquiries be done immediately. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1600.00} XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$10000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX {$1300.00} XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$1700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed hard inquiries on my credit report that weren't mine : XXXX XX/XX/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 XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Dear [ CFPB ], I am writing to file an urgent complaint regarding fraudulent charges that have been reported on my credit report. I am a victim of identity theft, and my personal information is being used by an unknown individual across various accounts that I do not recognize or authorize. I travel frequently and am not well-versed in managing my credit, which my husband recently reviewed and found multiple accounts that have been opened in my name without my knowledge and they were removed and came back without a 5 days written notice and that's a violation. This is an ongoing and dangerous situation that has persisted for months. Despite my repeated attempts to resolve the issue, no creditors or bureaus have provided any contracts, signatures, or proof to substantiate the charges or transactions. I was not notified by the credit bureaus or creditors within the required 5-day window, as outlined in 15 U.S.C. 1692g ( Validation of Debts ), which I was informed about by my lawyer. This failure to notify me is illegal and violates my consumer rights under federal law. As per 15 U.S.C. 1681 ( Fair Credit Reporting Act ), my right to privacy, confidentiality, and accurate reporting has been directly violated. Additionally, 15 U.S.C. 1681s-2 ( a ) ( 1 ) prohibits furnishing inaccurate information to consumer reporting agencies, which has clearly occurred in my case. I demand immediate action to remove these fraudulent accounts from my credit report and protect my privacy and rights. I will pursue legal action against both the bureaus and creditors involved for failing to provide the necessary documentation and for violating my federally protected rights. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX