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

XX/XX/2022 Hello, This is a second attempt in contacting your agency in regard to incorrect personal information being reported to my credit report. There are fraudulent accounts and addresses being reported to my credit report by your agency. Fraudulent in this respect, names, addresses, and employment information that does not belong to me. Attached, is the previous letter sent to your agency. 

PLEASE DELETE THE FOLLOWING NAMES THAT DO NOT BELONG TO ME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My name should instead be reflected CORRECTLY AND ACCURATELY on my credit report. My name should be listed as the following : XXXX XXXX XXXX, XXXX. 

Attached with this letter I have included a copy of my STATE IDENTIFICATION CARD to verify this information. 

Please also delete the following addresses as they do not and have never belonged to me : XXXX XXXX XXXX XXXX XXXX, DE XXXXTHIS IS NOT/WAS NEVER MY ADDRESS. 
XXXX XXXX XXXX XXXX XXXX, DE XXXXTHIS IS NOT/ WAS NEVER MY ADDRESS. 

My address should be displayed as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX I have given your agency ample opportunity to correct this information. YOU ARE IN DIRECT VIOLATION OF MY RIGHTS AS THEY PERTAIN TO THE FAIR CREDIT REPORTING ACT. Pursuant to ( 15 U.S.C 1681 ( e ) subsection ( b ) ), which states, 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. 

I HAVE PROVIDED PROOF. 

15 USC 1681 ( i ), which states, ..If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 )... 

Please DELETE this inaccurate information within 15 days of the receipt of this letter. Please also forward an updated credit report reflecting these changes to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX. 

I HAVE ALSO FILED A COMPLAINT WITH THE CFPB. A COPY OF MY REPORT IS INCLUDED WITH THIS LETTER. 

ENCLOSED WITH THIS LETTER : Prior dispute ID and Social Security Card Current Utility Bill CFPB Complaint With Kind Regard, XXXX XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : I AM A VICTIM OF ID THEFT, THIS ACCOUNT WITH XXXX, XXXX FOR ( {$2300.00} ) ISN'T MINE. 

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : * A copy of my Identity Theft Report and proof of my identity. 
* A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX * Identity Theft Report * Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] * Fair Credit Reporting Act Section 605B [ PDF ]
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reports are showing blank when lenders attempt an inquiry. 

I am a military veteran returning home after my final tour overseas. Despite having fair credit, no debt and outstanding debt-to-income ratios, applications have been rejected for VA home loan pre-approval because lenders only see a blank credit report ( XX/XX/2019, XX/XX/2019 and XX/XX/2019 ). I can only assume that there is a " lock '' or " freeze '' on my accounts ( which I have NEVER requested ), as numerous attempts to contact Equifax, XXXX and XXXX via their on-line and telephone contacts have only resulted in requests to physically mail copies of my personally-identifiable information. 

On or about XX/XX/2019, I mailed copies of the requested identifiers to these three companies along with a hand-written note requesting the REMOVAL of any and all credit locks, freezes, fraud-alerts or holds that may be affecting these lenders ability to view my lengthy credit history, which resulted in two post-card responses from XXXX   and XXXX requesting that I physically mail certain identifiers to communicate with them. Now, my credit report shows the " requested '' fraud-alert and security freeze that XXXX NEVER requested from XXXX and Equifax ( XXXX 's note area show no remarks ).

This entire charade is made even more difficult because as an over-seas returnee, all of my household goods ( printed records ) are boxed up and awaiting a residence to be delivered to, and my DoD-mandated overseas banking institution has deleted my account as required ( digital records ), so I can not easily prove any payment history to anyone. I am now homeless with my wife and XXXX XXXX children, despite having a military retirement pension and a good paying job. Thankfully, my elderly father has allowed us to stay with him. 

Please assist in " penetrating the bureaucracy '' with these megalith corporations which make contact a federal affair. 

Thank you, XXXX XXXXXXXX XXXX, XXXX ( XXXX. )
Product: Credit reporting, credit repair services, or other personal consumer reports

These addresses do not belong to me. 
XXXX XXXX XXXX XXXX XXXX, XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX I have reported this issue multiple times over last three years. LexisNexis fails to correct my report. These must be removed as I am not connected to them. For the first address, I have a letter from the company that incorrectly associated my name with the address. Note that is from 2013. Feel free to share my information with the class action lawsuit against LexisNexis for failing to update information and remove information that is out of date. 

In addition to the XXXX errors above, there are multiple incomplete addresses. 

Additionally, LexisNexis fails to reasonably disclose my report. Reports are provided in an inconvenient format, including 100 duplicated entries which make reviewing the content of the report tedious. This serves no other purpose than to hide invalid and incomplete information from the victims of LexisNexis misinformation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Ct. 
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 XXXXXXXX Dear XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX writing to request validation of the debt your company claims I owe, as stated on my credit report. The reported debt allegedly originated in XXXX, but the statements you provided began in XXXX. Pursuant to 15 USC 1692g, I demand full validation of this debt. 

Please provide the following documentation : 1. A detailed list of payment history from the date the account was opened until its closure.

2. The original contract bearing my signature, confirming my agreement with the creditor.

3. Disclosure of any insurance claims related to this contract.

4. Proof of when this debt was assigned to your collection agency.

5. A copy of the chain of title authorizing ( License ) your agency to collect on this debt. 

Please verify the validity of this debt within 30 days, as required by the Fair Debt Collection Practices Act ( FDCPA ). Failure to provide the requested documentation may lead to further action.

Sincerely, Paula V. Steele I never got the correct information I requested from this collection agency and this account has been charged off and written off by the original debtor. I never received a 1099 form as per this money can be claimed on my taxes. Equifax reports that there are 6 late payments but TransUnion reports that the account is over 120 in late payments. I would like this removed from my account immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Have uploaded police report but credit agencies are refusing to acknowledge it! 
XXXX XXXX XXXX XXXX identity theft XXXX XXXX identity theft XXXX XXXX XXXX XXXX/identity theft XXXX/XXXX/ identity theft XXXXXXXX XXXX XXXX XXXXXXXX identity theft XXXX XXXX XXXX identity theft . 

Someone used stolen wallet with I.D . and social to purchase these items.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022, to remove these accounts that are inaccurately reported. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. Please do an immediate action regarding this matter. 
XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX "
Product: Credit card or prepaid card

I do not want the Netspend Prepaid Debit card issued to me. I want to stop getting mail in the US Postal Service from this company where master card services issued the card from XXXX XX/XX/2019. All customer service numbers and emails have no person to answer at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint and I'm including it again. 
XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX Balance : {$290.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report months ago to find fraudulent inaccurate information reporting to my credit that doesnt belong to me. I have been submitted atlas 6-7 months of disputes contacting the credit bureaus in regards to removing the following information listed. I have police report and etc identity theft affidavit supporting my claim and creditors and bureaus still have not removed all items from my credit report as well as inaccurate addresses names and reporting for the accounts listed below : XXXX credit card opened XX/XX/XXXX balance {$8500.00} XXXX XXXX opened XX/XX/XXXX balance {$4400.00} XXXX credit card opened XX/XX/XXXX balance {$1400.00} XXXX credit card opened XX/XX/XXXX balance {$6100.00} XXXX XXXX credit card opened XX/XX/XXXX balance {$3200.00} XXXX  XXXX XXXX credit card opened XX/XX/XXXX balance {$8900.00} XXXX personal loan opened XX/XX/XXXX balance {$24000.00} XXXX XXXX credit card opened XX/XX/XXXX balance {$2700.00} XXXX XXXX opened XX/XX/XXXX balance {$2200.00} None of this accounts are mines or valid. No authorization and where not opened by me they are fraudulent and I demand that they are blocked or removed from credit report immediately.
Product: Mortgage

We were told that we would be able to do a recast of our loan one time when we first signed with XXXX XX/XX/XXXX. Since then our loan was sold to Freedom Mortgage In Indiana. I contacted Freedom Mortgage via phone on XX/XX/2018 to ask how i go about the recast. They recognized i was a VA loan and thanked me for my service, then proceeded to tell me that i would have to send in a check for {$250.00} for the processing fee. From there they would contact me back to arrange the payment. We sent them the check that was posted on XX/XX/XXXX. On XX/XX/XXXX i contacted them back since i had not heard from them they said i would have to wait. XX/XX/XXXX they contacted me back to tell me how to send the money and verify that it had to be a cashiers check. We did everything they asked and they cashed the check on XX/XX/XXXX. 
I heard nothing from them after that until i received a letter on XX/XX/XXXX Denying my recast. When i called them they told me it was their company policy not to allow recasts for any VA loans. Then then told me to send an email requesting the money be refunded since they had applied the {$250.00} to principle and left the {$100000.00} in an unapplied bucket. I was assured that the email was received while i was on the phone and told it would take up to 48 hours to return the money. 

On XX/XX/XXXX i had not received anything back so i called them again. they said they would have the money deposited no later than the XX/XX/XXXX and they confirmed my routing number to wire transfer it. On the XX/XX/XXXX i called them back again because the funds were not transferred, and they confirmed my routing number again and said they were sorry and they would have the money transferred no later than Thursday the XX/XX/XXXX. I waited until today XX/XX/XXXX to call again because no funds were transferred. 

I spoke to Employee ID # XXXX and was informed that they have changed the completion date again and i would be expecting the money by XX/XX/XXXX. I asked to speak to a supervisor and was told that Supervisor # XXXX was in a meeting and i should expect a phone call back by XX/XX/XXXX. 

This entire process is highly frustrating, every time i called before the money was sent they thanked me for my service and told me it was a VA loan. Yet they still instructed me to send in the money. Then they did not apply it and just sent me a form letter with no explanation of how to get a refund. When i begged for my money back i was told that it was easy and they would take care of it. Every time i call them they change the due date farther out and keep my money. This at best bad business practice. We have made on time payments every time and have done everything asked of us but yet we can not seem to get the money back.
Product: Credit card or prepaid card

Good morning I am very disappointed with pnc and already closed my account by phone XXXX XXXX. 
I v called your bank in XXXX XXXX at XXXX LT in order to pay my credit card and took so long and I hung up the phone. 
I called again another number and I paid my card. 
Then I received a text message regarding fraud asking me to call the bank. 
Then Ive called your fraud department and I ve explained the situation and after several questions in order to check my self, they hold my account.All my answers met the questions include the code by phone. 
I understand that it is for my security but even I answered all questions your fraud department hold my account and asked me to go to in person to the bank. 
I am overseas, how come. 
I am here for 5 months and I v paid my bill BEFORE with no problems. 
S facing this situation I asked to closed my account and he closed it. 
How come your bank closed my account if the PNC was not sure about my self. 
Does Not make sense? 

I have XXXX and XXXX  XXXX XXXX and I never had this ridiculous situation. 

I request a full investigation regarding this matter. 
Your bank take so long in pick up calls and they are very rude. 

I have the app but every month did not work out in order to pay and I had to call the bank and they usually said : Sory, We are having problems with the app Too many sorry!!!!! 

Thank you XXXX XXXX XXXX XXXX XXXX   XXXX XXXX Fl XXXX
Product: Debt collection

I was contacted by XXXX XXXX to collect a debt that I paid off in 2007 for an old XXXX credit card through GE money. I stated that it was paid off in 2007. They stated they are taking me to court for it. I tried to contact GE money and they stated that they show I once had an account but its so old it doesn't show any information. I keep telling the employees at XXXX XXXX XXXX that I paid it off and that I tried to get information on it but my account is too old to show information on it. They stated they are taking me to court for it. I contacted them today and they stated they tried serving me at an old address in XXXX County and I currently live in XXXX Ut. The lady I spoke to today was yelling at me tell me to not contact them anymore when I was just trying to find out my court date and stating that I work on an XXXXXXXX XXXX XXXX and that I am not home during the serving hours to be served the papers. She them stated that she cant help me and that it will be a missed court date. She also then told me I will be held liable to pay their lawyer and court fees. I looked up the rights on the statue of limitations and its says that they cant come after me for it after a maximum of 8 years when this credit card was over 10 years ago. I am not sure how to go about this seeing how I have paid this off but no way to prove it. I currently have custody of my XXXX son and can not afford to pay the amount they are wanting on a debt that has been paid off.
Product: Vehicle loan or lease

I leased a new car in XX/XX/XXXX for a 39-month term and returned it in XX/XX/XXXX. Throughout the lease, I made all my payments on time without any missed deadlines. Upon returning the car to the original dealership, I was pleased to hear that it was in excellent condition with low mileage. Everything was in order, and no additional steps were needed.

However, after the lease termination, I was surprised to discover that late payments were appearing on my credit report. This was particularly concerning as I had consistently made all my payments on time throughout the lease period. To resolve this issue, II reached out to the leasing company to contest the inaccuracies I encountered. An agent informed me that it was classified as a " return fee. '' I was unaware of this fee, and I have made all 39 payments promptly
Product: Credit card

Thank you for your recent response regarding my concerns and the closure of my account. I appreciate your efforts to provide clarification, but I would like to address some important points regarding the surcharge on my transactions and the application of XXXX XXXX. 

First, I would like to reiterate that the surcharge in question was not in effect nor was it disclosed on the XXXX XXXX website on XX/XX/year>. As you mentioned, the surcharge was added to help offset the cost of rising wages and benefits, but California 's XXXX  XXXX, which governs the transparency of such fees, did not come into effect until XX/XX/year>. Therefore, any surcharge applied prior to that date would not have complied with the law 's requirements. 

Furthermore, at the time of my purchase, there was no clear and conspicuous display of the surcharge on the XXXX XXXX  website or during the checkout process on XX/XX/year>. It was not until after XX/XX/year>, with the amendments from XXXX XXXX, that this surcharge was legally required to be disclosed on the site in the manner described in your letter. If the surcharge was applied to my account prior to this date, it would not have been in compliance with California 's laws concerning the disclosure of such fees. 

Therefore, I respectfully request that you reconsider the charge in question, as it was applied outside of the legal requirements. I would appreciate your prompt attention to this matter and look forward to a resolution in line with the appropriate regulations.As you referenced in your letter, the surcharge at issue was applied by XXXX XXXX, which I understand was intended to offset rising wages and benefits. However, I wish to point out that the surcharge was not in compliance with California 's XXXX  XXXX, which became effective on XX/XX/year>, and regulates the disclosure of mandatory fees by restaurants and certain other vendors. Prior to this date, the surcharge was not required to be disclosed in the manner described in your letter, and in fact, it was not clearly or conspicuously shown on the XXXX XXXX website as of XX/XX/year>, the date of my transaction. 

Under XXXX  XXXX, which was later amended by XXXX XXXX, mandatory fees charged by vendors are exempted from disclosure requirements if those fees are clearly and conspicuously displayed at the point of sale. At the time of my transaction, the surcharge was not disclosed in such a manner, as it did not appear on the website during checkout. Furthermore, XXXX  XXXX did not come into effect until XX/XX/year>, meaning that any surcharge applied before that date, including my XX/XX/year> purchase, was not governed by the new requirements
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX veteran. I was living in XXXX South Carolina for 1 year. Before moving to South Carolina I purchased a XXXX XXXX. The day I was purchasing the XXXX I explained I did not want my payments to be more than {$300.00}. I was feeling unwell that day and they took advantage of me and loaded the contract with packages I was not interested in and could not afford. I was shocked to learn my monthly payment was going to be {$740.00}. I did that for a while but could not afford it. Despite multiple phone calls did the dealership to rectify the situation I just decided to pay {$300.00} a month the loan. I never missed a payment except for when I was hospitalized due to falling and XXXX XXXX XXXX one month and the second month I got stung by a stingray. then hurricane came and we were ordered to evacuate that area. I still never missed a payment. I went to the local XXXX and took out money orders. one of them they said they never received which I strongly suspect fraud on their end. It's been a nightmare to fix this on my credit report. I no longer have this vehicle. That same month I might have been late on my mortgage payment by a day or so but I never not paid. I'm somebody that has paid everything on time and I pay more then the required amount. I've been waiting months to work on a refinance now that my XXXX paperwork has finally come through from VA. Please help get my credit score fixed so I can do refi