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

I am writing to complain about Equifax because I have written to them twice since XX/XX/XXXX stating that the information in my credit report showed credit inquiries that I do not recall authorizing. I understand that they should not be allowed to put an inquiry on my file unless I have authorized it. I have since asked to please have these inquiries removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The stated inquiries :  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, Multiple Inquiries from XXXX XXXX, only one was authorized XX/XX/XXXX, and none in XXXX. These inquiries in my credit report are also not applicable nor permissible, and should be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 and on XX/XX/2020 I sent Experian XXXX. XXXX  XXXX XXXX TX XXXX letters challenging the accuracy, compliance and reportability of a debt that they have been reporting I asked Experian to provide me with copies of any documentation associated with the account bearing my signature and in the absence of any such documentation bearing my signature, I requested that the information be immediately deleted from my credit file I have got no such documentation bearing my signature and they continue to report this without evidence
Product: Credit reporting or other personal consumer reports

TransUnion XXXX XXXX XXXX XXXXXXXX, PA XXXX Violation of FCRA 611, Debt Collection Harassment, and Sharing of Information with XXXX XXXX XXXX XXXX to XXXX5 U.S.C. Sections 1692d, 1692i, and 1692c Dear Transunion, I am writing to address a matter of significant concern regarding the accounts that I have reported as fraudulent to the Federal Trade Commission ( FTC ) and subsequently requested investigation under FCRA 611 ( 15 U.S.C. 1681I ). It has come to my attention that there are discrepancies in the handling of these accounts, which directly violate the rights guaranteed under this section of the Fair Credit Reporting Act. 

Not only has there been a failure to comply with FCRA 611 in rectifying these accounts, but I have also noted the absence of any proof of verified accounts in the documentation provided. The utilization of the e-OSCAR system, without providing tangible evidence or verification of the reported accounts, raises further concerns regarding the legitimacy and accuracy of the reported information.

Additionally, I am deeply troubled by the actions of debt collectors associated with XXXX XXXX XXXX XXXX, who have been incessantly contacting me using my current information, amounting to approximately 15 calls daily. This relentless and harassing behavior violates the protections afforded to consumers under 15 U.S.C. Sections 1692d, 1692i, and 1692c of the Fair Debt Collection Practices Act ( FDCPA ). 



Moreover, it has come to my attention that the information shared through credit bureaus like Transunion has potentially facilitated this harassment by providing my current contact details to debt collectors. Such sharing of inaccurate or unverified information with XXXX XXXX XXXX XXXX, leading to their persistent and unwarranted contacts, is in direct contradiction to the requirements outlined in 15 U.S.C. Section 1681, which mandates accurate reporting by credit bureaus to prevent the dissemination of misleading or false data to debt collectors.

As per FCRA guidelines and the FDCPA, I am formally requesting : Immediate rectification and removal of the reported fraudulent accounts.

Tangible proof or verification of these accounts within five ( 5 ) days of your receipt of this correspondence. 

Cease and desist of any sharing of inaccurate or unverified information with XXXX XXXX XXXX XXXX. 

Immediate cessation of harassing calls by their associated debt collectors in line with FDCPA provisions.

Please be advised that persistent contacts from XXXX XXXX XXXX XXXX based on false or unverified information reported through XXXX may result in a violation of FCRA codes, potentially leading to an immediate payout of up to {$1000.00} due to contacting me on accounts deemed fraudulent.

I urgently request your prompt attention to these matters and expect a comprehensive and lawful resolution as per the guidelines outlined in the FCRA and FDCPA.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C XXXX and to request that this information be blocked. I have enclosed a copy my XXXX Report/XXXX  identity theft report ( XXXX REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. XXXX when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Inquiries XXXX XX/XX/XXXX AXXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX XX/XX/XXXX As required by 15 U.S.C XXXX, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these accounts. Here I add the XXXX report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I started contacting Transunion XX/XX/2019. I have provided proof from the US Dept of education and letters from the creditor as well and they still refuse to correct the information. I have two student loans with the US dept of education 1 for {$22000.00} and 2 for {$21000.00}. Transunion is reporting 3 loans 1. {$22000.00} 2. {$21000.00} 3. $ {$43000.00}. I have never had a loan for {$43000.00}. So they have been overstating my loans for over two years. They also list them as included in chapter 7 bankruptcy. I sent them letter directly from the lender stating that student loans can not be included in bankruptcy and that mine are not included in the bankruptcy. yet they refuse to verify or correct the inaccurate information. This has made my credit score lower and I have to pay higher percent on every type of credit i get just because of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting a bankruptcy that does not belong to me it belongs to someone else with a similar name as mines
Product: Credit card or prepaid card

On XX/XX/2022, I noticed that Capital One Credit Card had XXXX debited my checking account at XXXX XXXX XXXX in the amount of {$1400.00}. I contacted XXXX and they were able to refund the {$1400.00} into my checking account and stop payment to Capital One. I thought that this was going to be an isolated incident. 

On XX/XX/2022, I noticed that Capital One Credit Card had XXXX debited my checking account at XXXX XXXX XXXX again. This time the amount was {$66.00}. XXXX XXXX XXXX again processed a stop payment and did an investigation of why this continued to happen. The {$66.00} was returned to me within XXXX weeks or so. XXXX 's investigation showed that another XXXX XXXX XXXX member with a very similar account number was likely making over-the-phone or some other kind of XXXX time payment and giving the wrong account number. XXXX also initiated a block of some sort to keep this from happening again. 

On XX/XX/2022, I noticed a pending debit transaction via ACH of {$110.00} from Capital One Credit Card in my XXXX XXXX XXXX checking account. I called XXXX. They were able to issue a stop payment for this XXXX transaction. The representative was very helpful at XXXX in listening to my complaints and offering suggestions. 

I asked for the tracer number for XXXX of the transactions hoping to call Capital One and request that they look into these fraudulent ( although perhaps accidental ) transactions. XXXX representatives at Capital One Credit Card told me that since I wasn't a customer, there was nothing that they could do for me. Both of the representatives were rude and didn't seem to care that Capital One was periodically initiating fraudulent transactions in my account. 

Now I am asking for your help in resolving this matter. XXXX XXXX has been great, Capital One not so much!
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : XX/XX/2019 Time : XXXX I requested all three of my annual credit reports from XXXX at once, but was only allowed access to the XXXX  report. After viewing the XXXX  report I clicked the view next report button where I was taken to a screen with the logos of the credit reporters with a blue checkmark by XXXX  and XXXX  and a green checkmark by TransUnion, I clicked on the logos and was not taken to any other reports. When the XXXX  report was closed I was not led to any other reports and was denied resubmission to see the two other reports. I had the webpage continuously for less than 20 minutes and did not leave my computer unattended for the session to time out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX {$1300.00} XXXX XXXX {$14000.00} XXXX XXXX XXXX {$2400.00} XXXX XXXX {$13000.00} XXXX   XXXX {$480.00} XXXX XXXX {$24000.00} XXXX XXXX XXXX {$610.00} XXXX  XXXX {$620.00} XXXX   XXXX {$7900.00} XXXX XXXX {$13000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act.The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX XXXX XXXX  XXXX. has violated my rights. 


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 It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by moreover than seven years. 15 U.S.C 1681s-2 ( 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, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report  which is detailed as follows ; XXXX XXXX   XXXX XXXX  XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Product: Debt collection

I appear to be the victim of fraud carried out using my name and former address in XXXX OH. I became aware of the situation when my former neighbors sent me an e-mail with photos of a delinquent car insurance bill from XXXX XXXX XXXX ( XXXX ) in XXXX, PA ( attached ). Our neighbors check our mail box for us. My wife and I moved from our house at XXXX XXXX  XXXX XXXX, XXXX, OH in the summer of XXXX to Florida and subsequently to XXXX. We have not been in the US since XXXX. We started renting out our house on XXXX starting in XXXX. It is not currently occupied. 
I called XXXX XXXX XXXX on XXXX XX/XX/XXXX and informed them that I had not taken out a car insurance policy with them and did not owe them any policy money. The policy was issued in part based on my Florida driver 's license. The Florida driver 's license number XXXX XXXX has is my correct driver 's license number. I did not ask if they had a copy of the license or not. Again I reiterated that I was not responsible for the unpaid premium on the policy XXXX the policy had been issued on XXXX XX/XX/XXXX and terminated for non-payment on XXXX XX/XX/XXXX ) and was informed they would work on the problem. 
On XXXX XX/XX/XXXX I received a subsequent e-mail from my former neighbors in Ohio with photos of a demand for payment from CCS Payment ( XXXX ) in XXXX, MA ( attached ). On XXXX XX/XX/XXXX I called CCS and talked to XXXX XXXX. She said she would note that I disputed responsibility for the bill and that I should fill out a police report for fraud and forward a copy to CSC. 
As shown on the XXXX XXXX XXXX paperwork, the insurance is for a XXXX XXXX XXXXXXXX. I have never owned such a vehicle. Additionally, since XXXX, I have insured all of our vehicles with the XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX said that a XXXX contact telephone number was given ( XXXX ). I called this number, but it was no good.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and XXXX XXXX  unlawfully pulled my credit report, unlawfully opened fraudulent account in my name even though they sent a letter stating the had NOT opened the account all despite the fact I have credit freezes on my credit report. I want the inquiry on my credit removed and the fraudulent bank account closed. Identity theft report attached.
Product: Debt collection

On XX/XX/XXXX20 I sent a letter to DEBT RECOVERY SOLUTIONS about two accounts that were showing on my credit report that I did not recognize. 

Both accounts have a date opened of XX/XX/XXXX2020 one with a charge of {$690.00} and the other being a charge of {$1000.00}. Since then I have not gotten a response and also sent a follow up letter to them on XX/XX/XXXX20 and still have gotten no response in regard to what this is or what it is for. 

I also reached out to XXXX  about this debt on XX/XX/XXXX20 and a follow up on XX/XX/XXXX20 and they have also not responded.
Product: Credit reporting or other personal consumer reports

The items listed are entirely inaccurate and incomplete, indicating a substantial error in their reporting. I kindly request the removal of this misleading information and urge you to ensure the provision of an amended credit profile to all creditors who have received a copy within the last six months, or the last two years for employment-related purposes. 

EQUIFAX : XXXX  Under 15 USC 1692g. Validation of debts XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX : XXXX. Under XXXX XXXX XXXX. Validation of debts XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX. Under 15 USC 1692g. Validation of debts XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 

XXXX XXXX. Under 15 USC 1692g. Validation of debts XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX. Under 15 USC 1692g. Validation of debts XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting the same account twice to the credit agencies. I only have One open credit card account with XXXX. The account was open XX/XX/2015, balance {$1000.00}. 

XXXX XXXX is not reporting my XXXX XXXX XXXX credit card to all three credit bureaus. Balance is {$500.00} XXXX is not reporting my XXXX XXXX XXXX credit card to the credit bureaus. Balance is {$1500.00} XXXX XXXX XXXX is not reporting my XXXX XXXX Credit card to all credit bureaus. Balance is {$2200.00}
Product: Credit card

They did not offer the state of Louisiana 0 % interest in credit cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect info from XXXX stating we were late in XX/XX/2022 and it showed on our reported pulled by lender for new mortgage when payment was made XX/XX/2022 posted and cleared XX/XX/2022 for mortgage amount of {$1100.00} and shows at XXXX that it was posted but they chose to commit fraud on all three credit bureaus for both my wife and myself. This payment is done online from husbands account. So now we can't get a loan even though payment was made and has been for one year. Phone calls and complaint files with XXXX has done no good. Please help us remove the incorrect info that XXXX has chosen to ruin our credit for us two XXXX  citizens in XXXX XXXX, Florida.
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. 

Account Name : XXXX  Account XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXXXXXX Account XXXX has violated my rights. Or a list of inquiries : 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes whic
h antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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

Account has been paid in full and has not been updated in system
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard to cry was poured on my credit report that I did not give permission to do I have tried to resolve this situation for the last couple of weeksAnd it is still happening XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is not mine. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

On XX/XX/21, PNC Mortgage issued me a closing disclosure that showed my seller negotiated closing costs correctly as {$8500.00} ( 3 % of {$280000.00} ). Doc attached. 

Two hours before closing on XX/XX/21, PNC Morgage revised the closing documents to show that the seller negotiated closing costs incorrectly as {$7700.00}. PNC Mortgage did not inform me of this change, my title company did. 

When I asked the title company rep about the reason, she said that PNC Mortgage said they couldn't make the numbers work. This is unacceptable and forced me to have to bring an additional {$820.00} to closing. 

I have made multiple attempts to get resolution from PNC Mortgage with no success. They are no longer communicating with me.
Product: Credit card or prepaid card

I paid off my Citibank AAdvantage Mastercard in full on XX/XX/XXXX. I checked and rechecked the balance to make sure that I would pay off the card free and clear. Two days ( on XX/XX/XXXX ) after I had paid off the card, Citibank charged me {$35.00} dollars in interest on the XXXX balance. I was unaware of this additional fee. I thought I had paid off the card so I stopped paying on the card. Over the next 2 months Citibank added two additional late fees so that I now owe {$100.00} all in fees on the account. I called them and tried to explain that I had no idea about the extra interest charge. They claimed that it was up to me to check the balance on my account. But I had tried in good faith to pay off the card and was n't aware of the fee. They said I should have read the fine print on my credit card agreement. Who does that?!! I agreed to pay for {$71.00} of the fees, but do n't even think I should be liable for that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous letters with no response requesting investigations and verifications of information on my credit report. This bureau has ignored my requests on the following occasions : Letters sent dated : XXXX/XXXX/2020, XXXX/XXXX/2020, XXXX/XXXX/2020, including a complaint warning letter dated XXXX/XXXX/2020. I have been more than generous with allowing the bureau more time than allowed by law to investigate and update my credit reports, but these incorrect accounts listed below have been negatively affecting my credit and I have had no luck in them doing what is right to fix this. The items listed below have been disputed with no response for over 6 months. This is ridiculous 1. Validate Account Chapter XXXX Bankruptcy Case Number : XXXX Please supply information on how you have verified this item. 

2. This Account was not 30 days late. 
XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

3. This Account was not 30 days late. 
XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

4. This Account was not 30 days late. 
XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

5. Validate Account XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 

6. Validate Account XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 

7. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 

8. Validate Account XXXX Account Number : XXXX Please supply information on how you have verified this item. 

9. Validate Account XXXX Account Number : XXXX Please supply information on how you have verified this item. 

10. Validate Account XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 

11. Validate Account XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item.