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

Dear XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Last XXXX : XXXX Date XX/XX/XXXX You stated that I owe an alleged debt to XXXX XXXX account XXXX XXXX I would like XXXX XXXX to validate this debt under the USC, UCC, FCRA, FDCPA. I am requesting validation of debt request of U.S Code 1692. FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, 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 by such agency of ( 2 ) a copy of an identity theft report. Please provide the following documentation for the alleged debt to XXXX XXXX  starting in XXXX. Under my God- giving rights please send me a sworn affidavit statement stating XXXX XXXX still has the original signed contract with my two wet signatures under penalties of perjury in reference to my rights under the UCC Code 3-308. Please also send me a copy of the commerce banking note to this alleged debt. Please also send a certified contract not a photocopy of this alleged debt. Please also send a true bill. A true bill the written decision of a grand jury ( signed by the grand jury foreperson ) that it has heard sufficient evidence from the prosecution to believe that an accused person probably committed a crime and should be indicted. Thus, the indictment is sent to the court. Please also send a lawful contract signed by both parties which makes it binding between both parties have given substance according to the contract law of 1872. Please send all validations of debt and paperwork linked to the alleged account from the alleged creditor. Please certify in a sworn affidavit under the penalties of perjury and color able law that all states of rebuttal to this sworn are true and correct to the best of your ability with your signed signature. Please also send me a copy of this sworn affidavit via receipt of this letter. Please respond in 10 days of this a latter will become a binding agreement according to contract law. Furthermore, I will have to opportunity to cue in place a judgment on this company. If you fail to respond I am going to presume the debt isnt true in the first place. I am respectfully requesting this account be deleted and removed from my credit profile sense it is ruining my credit worthiness and my ultimate pursuit of happiness under the United Stated Constitution. To deny the procedure to discharge public debt is fraud, conspiracy, racketeering, collusion, theft of public funds and a dishonor in commerce according to the UCC Code. 
I am exercising my God for saking right this account must be deleted from my credit profile on all 3 bureaus immediately or I will pursue legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX opened a credit card account on my name without my consent.the credit account was opened on XX/XX/2015 account number XXXX charged off with a balance of $ XXXX.I never authorized such account, they violated my rights as a citizen, never signed any documents or agreed verbally to it.I would like please to be represented with dignity and respect thank you.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Following a fraud investigation, my account was restored to a good standing. Received new cards in the mail ; however, the account was closed already. CapitalOne advised that the account was closed due to my request. I did not request this closure, I have NOT received the credit balance of over {$1300.00}, AND I wanted this account ( assuming the account number had been changed ) to remain open and active as I had discussed with the company representative on XX/XX/XXXX However, the closure of this account now places me any my family in an very disstressful situation that causes undue stress to continue to victimize the victims that have already spent the last year trying to overcome.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for an XXXX XXXX XXXX card today. Prior to applying, I verified that it was not stated that my personal credit would be pulled. In fact, the SSN entry box had an information icon next to it which, when clicked, clearly states that my social is only being used to verify my identity. This is a business account and as such should not report on the personal side anyway. If I granted permission or authorized this inquiry, then it was hidden which violates UDAAP and should be immediately removed as it was obtained illegally. XXXX XXXX refuses to acknowledge their illegal practices which obviously violate UDAAP.
Product: Checking or savings account

XX/XX/2022 - Discover Online Checking account opened by applying, Uploaded completed Requested ID Verifying Notarization. Specialist reviewed doc and successfully opened account. 
- Discover Bank inquired on my XXXX consumers report. Personal info & no prior client reports on record. 

XX/XX/2022 - Account was placed on hold & Funds Frozen. 
Phone rep requests a photo of my State Issued government ID card, SSC, Birth certificate, & IRS 1040 be uploaded via their sites secure Doc upload for ID Verification. 
* All were submitted Same Day. 

between the XXXX to the XXXX Ive been on 10 hour hold times unable to reach security specialist. 

XX/XX/2022 - Security Specialist phone rep was reached and she reviewed the uploads and determined my account successfully Verified. She then immediately removed hold and unfroze funds. 

- Only 10 minutes after that I was logged out of my online account and had a Hold/ Freeze placed again. I called back only to be informed my account was in the process of being closed due to being an At-Risk Customer per Company decision . 

After 4 days of complaints from myself Ive acceptance the fact that the banks policy states it may close an account for no reason needed. 

My issue/ Complaint is Why am I not allowed to retrieve my funds ( cash/ check ) at their singular available U.S Branch location per several reps. 
Instead must wait XXXX weeks to have it mailed to me. They state its their policy and it takes weeks to close it then months to send it. Ive informed them that I would like to close my account then immediately so I may get my money quicker, They state its not how it works.

WHY Was my account closed only after a specialist unfreezing it after reviewing requested documentation to only have it eventually frozen and in closing within 10 minutes. And why am I not able to go to the branch and pick up my money like any other bank why are they freezing my funds from me for an unreasonable amount of time and being very shady.
Product: Credit reporting or other personal consumer reports

I don't have any idea about this account. This is purely identity theft. This account damaging my good credit reputation! 

DELETE THIS IDENTITY THEFT ACCOUNT ASAP!!! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - CLOSED LATE PAYMENT XXXX XXXX XXXX  XXXX - Collection/Chargeoff XXXX XXXX  XXXX - Collection/Chargeoff XXXX  XXXX Collection/Chargeoff UNAUTHORIZED INQUIRY : XXXX XXXX XX/XX/XXXX Experian XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX I will never stop filing complaints against you because I know my rights! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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.
Product: Mortgage

I assumed a mortgage from PHH mortgage in XXXX and purchased new insurance for the home which automatically renews on an annual basis. On XXXX PHH sent a letter stating they believe the insurance policy was cancelled and they will purchase a new policy for me that " XXXX be significantly more expensive than the insurance you can buy yourself. XXXX not provide as much coverage as an insurance policy you buy yourself. '' They also state there will be an additional fee for the time they do not believe the property was insured. 
I submitted the policy to them again 11 days ago, and still have not received an acknowledgement. The policy never lapsed and the property was never without coverage. This is clearly a fraudulent attempt to secure additional payments while not providing anything of value. All paperwork submitted to PHH clearly shows the insurance policy in force and never lapsing.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I received notification that a Collection was placed on my XXXX Credit Report. " XXXX '' put this collection of {$560.00} on my Equifax and XXXX XXXX XXXX as well. 

I have not spoken to anyone from XXXX in person, via phone, written correspondence or by electronic communication about this debt. Nor have I received a Validation Notice.

I sent a letter stating my rights under FCRA 15 USC 1681 to XXXX, Equifax, and XXXX requesting the removal of this item, to no avail.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX  XXXXXXXX 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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Listed on my credit report is a XXXX collection by XXXX XXXX representing XXXX XXXX Bank for a balance in the amount of {$950.00}. Also on my credit report is XXXX XXXX Bank. I have disputed this account multiple times but what upsets me more now is that both companies are listed on my credit report as if I owe the same debt twice. It is unfair that they are both listed on my credit report appearing that I have multiple accounts in a negative status and being denied credit. I am asking that XXXX XXXX be deleted immediately as they are not the original creditor.
Product: Money transfer, virtual currency, or money service

On Sunday XX/XX/XXXX I wash charges several times for a XXXX located in Indiana and I live in California. The charges were for {$95.00} twice and a charge of {$42.00} of XXXX XXXX method. I changed my privacy and security information.
Product: Credit reporting or other personal consumer reports

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XX/XX/XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
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 accounts : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I applied for a business banking account with XXXX XXXX. I was denied based on information provided by Early Warning Services. I requested a report from Early Warning Services and proof of information reported. 

I received a report online and disputed the information on the report as it was found to be incorrect. 

No proof was ever sent to justify reporting incorrect banking information. 

I am requesting all information to be removed as the information proof has not been provided to me per request. 

This is preventing me from opening accounts and also can result in closing accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen and someone rented an apartment in my name. They did so online without any photo ID or in person verification from the complex. The perpetrator created a fake job for me as employment income, which has been removed from my credit history. I have submitted the police report with the findings that this was not me and yet Equifax is still " verifying it as accurate. '' This is not on my other credit reports. I am at a loss as to what to do next. My credit history should suggest that this is untrue. If someone needs to speak to the XXXX involved in finding that I did not in fact rent this apartment that I currently have a collection item with, PLEASE contact XXXX  XXXX XXXX of XXXX police department.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX servicing is refusing to remove an inaccurate 90 day late mark on all three of my credit bureau 's reports in XXXX of XXXX on several of my loans. However, my letter that I received from XXXX clearly states I was in Forbearance from XX/XX/XXXX - XX/XX/XXXX. I have disputed with all three credit bureau 's and XXXX refuses to remove it even with the attached letter they sent to me with the dates clearly listed on the letter sent. They continue to report this as a 90 day late mark, stating I never entered into Forbearance until XXXX of XXXX. 

Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ( " CRA '' ) such as credit bureaus. In particular, this section requires a person that " has furnished to a consumer reporting agency information that the person determines is not complete or accurate '' to " promptly notify the consumer reporting agency of that determination '' and provide any information needed to make it complete and accurate. ( 1 ) Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. A furnisher that reports current information to a different CRA has done nothing to " correct and update information '' with CRA that possess the information that the furnisher has now determined is incomplete or erroneous. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to " update '' accounts as well as to " correct '' those that were erroneous when submitted to the CRA. 

At the time, even if my payments were late in XXXX of XXXX, and XXXX   XXXX accurately reported them as late. XXXX, later granting a forbearance for that time period, per the cited opinion, XXXX  XXXX has the duty to update the accounts to show that there were no late payments given the account status of being in forbearance during the period late payments were originally reported.
Product: Credit reporting or other personal consumer reports

I have been disputing fraudulent items on my report and requesting an investigative report from credit bureaus and never received.
Product: Credit card or prepaid card

Huntington Bank transferred funds without my approval to their advantage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize my credit to be pulled by this company
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank Of America continues to report inaccurate information on my credit report account is being reported late
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, am disputing errors and unauthorized inquiries on my credit report, citing violations of my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, this includes issues such as : Incorrect Personal Information : My date of birth is incorrectly listed as XXXX. 
My name is inaccurately reported as " XXXX XXXX '' instead of " XXXX XXXX XXXX. '' Duplicate entries of my name also appear and need to be corrected or removed. 
Unauthorized Hard Inquiry : An inquiry by XXXX XXXX XXXX  XXXX dated XX/XX/XXXX appears on my credit report without my knowledge or consent. 
I am requesting verifiable evidence of my explicit authorization, such as my signature or electronic signature, to support the inclusion of this data. Under FCRA Sections 605B and 604, such inquiries and personal data inaccuracies violate federal law if they lack proper validation or permissible purpose. 

Ive contacted the entities involved and determined that these actions were carried out without my consent or adherence to federal standards. Therefore, I am seeking the following actions : Immediate correction or removal of inaccuracies in my personal information.

Removal of unauthorized inquiries unless valid documentation is provided to substantiate their legality.

If the requested corrections are not made, it suggests that the reporting entities are failing to meet compliance with Metro 2 standards and my rights under the FCRA.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX CT XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX Balance : {$18.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX Balance : {$580.00} XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX Balance : {$18.00} XXXX XXXX XXXX XXXX Balance : {$430.00} XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$710.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$580.00} XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX ) XXXX Balance : {$830.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$410.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$450.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX Balance XXXX {$18.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida, XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Regarding Errors and Discrepancies on DEPTEDNELNET Student Loan Account To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of my DEPTEDNELNET student loan account, as reflected in my credit reports provided by TransUnion and XXXX. I have identified multiple discrepancies and errors in the reported information that violate my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ). 
The following are the details of the disputed account and discrepancies : Account Number : XXXX High Balance : {$6000.00} Date of Last Activity : TransUnion XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX Date Reported : TransUnion XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX Date Opened : TransUnion XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX Balance Owed : {$0.00} Account Status : TransUnion XXXX Closed ; XXXX XXXX Open Payment Status : Late 120 Days ( both bureaus ) Payment History Discrepancies : TransUnion : Late payments ( 90 and 120 days ) reported from XX/XX/XXXX to XX/XX/XXXX. 
XXXX : Similar late payments reported for the same period. 
Identified Errors and Violations Inconsistent Reporting Across Bureaus : The payment status and payment history are not uniformly reported. While TransUnion and XXXX report late payments from XX/XX/XXXX to XX/XX/XXXX, XXXX does not report any payment history. 
Account Status Discrepancy : TransUnion reports the account as closed, whereas XXXX lists it as open, creating a conflicting narrative. 
Privacy and Accuracy Violation ( XXXX XXXX XXXX & XXXX XXXX XXXX ) : The late payment information reported does not reflect the actual payment history as per my records. Moreover, the discrepancies across bureaus demonstrate negligence in ensuring accurate reporting. 
Incorrect Date of Last Activity : The dates reported by TransUnion ( XX/XX/XXXX ) and XXXX ( XX/XX/XXXX ) are inconsistent and fail to accurately reflect the true date of the last activity on this account. 
Failure to Update Account Information : Despite resolving the account in XXXX, the discrepancies and conflicting statuses persist in reports from TransUnion and XXXX, indicating noncompliance with XXXX XXXX XXXX. 
Requested Action Given the documented inaccuracies, I request the following actions be taken : XXXX investigation into the accuracy of the reported information. 
Removal or correction of all inaccurate late payments from XX/XX/XXXX to XX/XX/XXXX. 
Consistent reporting of the account status as closed with a {$0.00} balance across all bureaus. 
Written confirmation of the corrections made to my credit reports. 
Failure to address these discrepancies within 30 calendar days will leave me no choice but to escalate the matter further. I trust that you will handle this complaint promptly and in compliance with the FCRA and other applicable laws. 
Thank you for your attention to this matter. I look forward to your swift resolution. 
Sincerely, XXXX XXXX