23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information being reported on my consumer file, which constitutes a clear violation of the Fair Credit Reporting Act, 15 U.S.C. 1681, and other applicable laws.

Under 15 U.S.C. 1681a, 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 public confidence, which is essential to the continued functioning of the banking system. The inaccuracies present in my consumer report directly violate 15 U.S.C. 1681s-2, which prohibits the furnishing of information with actual knowledge of errors. The information being reported undermines the integrity of the banking system and harms my financial standing. As such, I demand the following actions be taken : I am formally requesting that your organization cease and desist all communications regarding this matter, including through the medium of my consumer reports. My account details are as follows : Account Holder Name : XXXXXXXX XXXX XXXXXXXX Bank Name : XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX, XXXX, OH XXXX RTN/Account Number : XXXX / XXXX Any continued communication or reporting of inaccurate information will be deemed a violation under the FCRA and the FDCPA and will result in civil action against your organization. Failure to comply with this demand within the specified timeframe will leave me no choice but to pursue legal remedies to enforce my rights in pursuance of 15 U.S.C. 1692k and 15 U.S.C. 1681n. This includes filing formal complaints with the CFPB, the FTC, and potentially seeking damages through litigation.

I look forward to your prompt response and resolution of this matter. Please confirm receipt of this letter and provide a written response outlining the steps you are taking to resolve this matter.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 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 personal loan or loans, a credit card or credit cards, and any other accounts from XXXX XXXX with a balance of {$0.00}, XXXXXXXX XXXX XXXX XXXX with a balance of {$2600.00}. 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. 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 that is being 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

To whom it may concern, My Name is XXXX XXXX XXXX Social Security SS # XXXX DOB # XX/XX/XXXXSeveral years ago my dad went through Hardship and was required to declare bankruptcy. He went through the process and paid his dues and fulfilled his obligations. 

Now to my surprise we pulled my credit to get a car and all HIS Judgments and collections are showing up. His name is XXXX XXXX SS # XXXX DOB XX/XX/XXXX. Our shared address is XXXX XXXX XXXX, XXXX XXXX NY XXXXThat would make me XXXX years old at the time of occurrence!!!! I have been disputing this will all XXXX credit bureaus, and they keep verifying it as MINE. Its preposterous!! Just look at my DOB and its obvious it 's a mistake. I am frustrated that his misdeeds have affected me. They are affecting my ability to get sudent loans/credit cards and have a future. I beg you, please investigate and clear up this mess. 
I have attached XXXX mine and his ID 's and a credit report
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I requested lawful verification to validate NETCREDIT proof of claim. To date I have yet to receive any lawful verification or any original documentation in support of their claim. I am a consumer a natural living man and i have XXXX given rights and rights under the FDCPA, FCRA and other applicable laws. Transunion is in violation under the FCRA reporting unverified information on my credit file. I hereby put Transunion on NOTICE of their dishonor violating my consumer rights under the FCRA for failure to lawfully verify information reported by XXXX. If Transunion do not remove or delete unverified information from my credit file after notifying Transunion of such unverified information. Transunion will be in violation under the FCRA for willful noncompliance and/or negligent noncompliance under the FCRA. This is your FINAL NOTICE to remove or delete unverified information from my credit file or I will file a federal lawsuit or arbitration to resolved harm caused.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a reported address on my credit report that doesnt belong to me. 
The address reported is : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX I have never lived in California, and I have never even stepped foot in California. 
Therefore someone in California was fraudulently using my name and information to gain credit in California. 
Please remove the fraudulent address from my credit report. And find out if somebody used my information in California. 
You can contact me at XXXX thank you.
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme frustration and disappointment with the inaccurate information reported on my credit report. A recent investigation into my credit history revealed several discrepancies that have caused me significant distress and frustration. 

Upon reviewing my credit report, I discovered multiple items that are unverifiable, invalidated, inaccurate, and questionable. It is unacceptable that your agency failed to ensure the accuracy of these items before reporting them. 

According to the Fair Credit Reporting Act ( FCRA ), it is imperative that all information on my credit report is 100 % accurate. However, the accounts in question are clearly in violation of FCRA regulations, specifically under 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ). 

I demand that immediate action be taken to rectify these errors and ensure that my credit report reflects accurate information. I have attached copies of all previous correspondence regarding this matter for your reference. 

I expect a prompt response and resolution to this matter. Failure to address these concerns will result in further action being taken.
Product: Credit reporting or other personal consumer reports

I am a victim of a data breach, in which my personal information was exposed. As a result of this breach, I am requesting that any fraudulent accounts opened in my name be blocked and deleted in accordance with my rights under 15 USC 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ). 
Specifically, I request that Experian block and delete : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  -- Charge off {$150.00} Collection Accounts : XXXX XXXX -- - Balance : {$590.00} XXXX XXXX XXXX -Bal {$340.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  These accounts were opened or created as a result of identity theft or unauthorized use of my personal information. I believe this account is a direct consequence of the data breach and should be promptly addressed. 
To support my request, I have enclosed the following documentation : A copy of my Identity Theft Report filed with the Federal Trade Commission ( FTC ). A copy of my government-issued identification, Proof of address Any other required documents for verifying my identity and the fraudulent activity. 
Please take the necessary steps to block and delete this fraudulent account associated with identity theft from my credit file. In accordance with the FCRA, I request written confirmation that these actions have been completed and that my credit report has been updated accordingly
Product: Debt collection

The tenant that lived at in my house had an XXXX account. When he moved out, I was charged with his bill from the new residence but under my name. I figured this out when I went to the XXXX local store to start XXXX under my own. The representative checked my ID ( billing address did n't match my address obviously ), put some notes under that account, apologized for the error and fixed it by giving me a new account and not charging me anything for the previous account. Now the collections has been calling me over and over to collect this debt. I already talked to them but its not helpful.
Product: Debt collection

I told them they broke the law my giving my personal information about my debt to another individual and we could settle this out of court. They are sueing me for the debt, I filled a counter suite and have an upcoming court date, but collection calls still contine 2-3 calls a day. I have call records, documentations and documents> LVNV funding LLC
Product: Credit reporting or other personal consumer reports

I was notified My personal information was involved in a data breach. I have many spam calls and fraudlent accounts reporting to my credit profile. According to the Fair credit reporting act Section 609 ( a ) ( 1 ) ( A ) and us code 1681e, you are required by federal law to verify through the physical verification of the original signed consumer contract- any and all accounts you post on a consumer report. Otherwise, anyone paying for your reporting services could fax, mail, email in a fraudulent account. I demand to see verifiable proof ( an original consumer contract with my signature on it ) you have on file of the accounts listed below. I demand the accounts to be removed immediately. This is causing many difficulties in my life. XXXXXXXX XXXX XXXX XXXX {$10000.00} ** XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX {$18000.00} **please remove XXXXXXXX XXXX XXXX XXXX inquiry **
Product: Credit card or prepaid card

I have been a customer of XXXX XXXX card for years I have never missed a payment on my account. A few months ago the account was paid in full, so they informed me that there was a {$5.00} fee to keep the account open even if the balance is 0.  One month I made my payment online like i do every month. However i made the payment twice, my bank flagged the transaction as fraud. I told them it was an accident that I click the submit button twice. There was a stop payment, I was not aware that it was permanent. So i kept making my payments through bill pay. I have never received a call or email from the credit card company. I am in the process of purchasing a home, I am expected to close next month, I have given notice to my apartment complex. On XX/XX/XXXX, I received a credit alert that they reported my account as nonpayment for 30 days. My children and I have literally no family here in Texas, if this affects my closing. I have offered to get it taken care off, and remove the mark on my credit, spoke to a supervisor and literally they hung up on me.
Product: Mortgage

I tried to call SPS today XX/XX/22 and request a forbearance. I called with my HUD Certified Housing Counselor on the line and gave SPS a verbal authorization to speak on behalf to my counselor. I spoke to two separate agents who both denied the verbal authorization and said third party authorizations were only allowed to be made in writing only, for the state of New York. I further requested a forbearance to be put in place due to my circumstances and I was only informed that I was only eligible for a short pay or a short sale. I am very unsatisfied as I am trying to save my home and do not feel my account was handled correctly, I was not informed to submit a workout package nor was I able to provide representation on my behalf to help me in this process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a XXXX XXXX secured card on XX/XX/2019 And they did a hard credit check inquiry on me on XXXX , Equifax and XXXX which is find. But the part that is not cool is when I checked on my application on XX/XX/2019 and they did another Hard credit check inquiry on me on XXXX , Equifax , XXXX. That's 6 Hard inquiry 's all together for one application I put in. I need them to take off one hard inquiry on XXXX, Equifax, and XXXX. One on each is justified, but two is not. I know they stay on your report for two years. But having two hard inquiry 's can drop your credit score even more. and its wrong when they add a extra hard inquiry on all three credit reporting agencies when I only applied once.
Product: Credit card or prepaid card

This complaint is regarding a processing payment that was " declined '' by my bank chime.. i contacted north coast credit about it and they told me they returned it.. i contacted chime and they told me that, that transaction of XXXX $ didn't show up in my account transactions. I had XXXX in my chime checking account before making my XXXX at XXXX XXXX loan payment that i share with my mother XXXX XXXX. So i would like for you guys to get to the bottom of this. Why was it declined when it was being processed and minused at the same time from my chime account. I want my money back. 
And here is the proof I was told to provide. Also you cant processe no payment and get confirmation number with a " thank you for your payment '' email if i had " insufficient '' funds.. both these agencies are going back and forth with me and im super stressed and dont know what is going on but one of them has my money that was for my payment that didnt get paid and that is stealing from me which is against the law.
Product: Checking or savings account

On XX/XX/XXXX I went to Bank of America and requested a cashiers check in the amount of {$7500.00} to purchase a vehicle from XXXX XXXX. After giving the check to XXXX XXXX, I decided that i did not want to continue with the transaction and requested by phone bank of america to stop payment on for cashiers check # XXXX on XX/XX/XXXX after also notifying XXXX XXXX of what I would be doing. On XX/XX/XXXX, I went into bank of america in person to the branch in XXXX XXXX, Ca on XXXX XXXX to speak with a bank representative to ensure the cancellation of the check. Several times I went into the bank just to get the status of the check, whether or not it was put on hold or whether it had been cashed and never received that simple answer or anything in writing. On XXXX XXXX XXXX  I mailed a letter to follow up on the status of the cashiers checks and my inquiries, and never received a reply, I am XXXX XXXX XXXX and i now have my daughter with POA taking over managing my affairs. Here a year later and B of A has never responded to my verbal or written inquiries about this cashiers check. I have been a customers for decades and have been treated poorly in the branches and dismissed as a senile old man which is not the case. I am attaching the letter and the cashiers check that i have been inquiring on since last XXXX and seeking escalated assistance to resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello as of XX/XX/XXXX i've been receiving telephone calls from debt collection agancies. I started by pulling my credit report to find out whats going on. Upon recieving a copy of my credit report from : XXXX, XXXX and Transunion I discovered multiple accounts of which i have no knowledge of. 

These accounts are fraudulent and I would like to report this incident. 
I have also notified the bureaus and was instructed retrieve my existing police report that caused this matter. I also have filed a report with the Trade Commission about this incident. 

I have notified : XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX about this matter and they have still continuously report these fraudulent accounts to my report. Incident Description After doing a little bit more investigating into these accounts, I discovered they were opened up shortly after my vehicle was burglarized. My vehicle was broken into along with several others. 

This incident happened XXXX at my previous home. My truck was parked at when it was broken into. 
To summarize my story, my vehicle was burglarized, my : jewelry, wallet, credit cards and laptop were stolen. 

Someone was able to open up fraudulent accounts because they had all my info from the burglary. The fraudulent accounts were opened up shortly after my vehicle was broken into and my items were stolen. 

XXXX XXXX XXXX Account Number XXXX {$2700.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX, XXXX CT XXXX Phone Number ( XXXX ) XXXX PLEASE REMOVE THIS FRAUDULENT ACCOUNT IMMEDIATELY
Product: Credit card or prepaid card

THE LAST TIME I WENT AND CHECKED MY ACCOUNT IT HAD {$2600.00} THEN AFTER I GOT OUT OF THE HOSPITAL IT SHOWED {$240.00}. SOMEONE STOLE MY MONEY AND YET YOU ARE TELLING ME THEY DIDN'T. 

I'M SITTING HERE CRYING AND PRAYING JUST NOT IN A GOOD PLACE RIGHT NOW HEALTH WISE. I'M AT A LOSS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SO SICK THAT I HAVE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND GOING THROUGH XXXX OF SOMEONE STEALING MY MONEY. ANYTHING FROM XXXX/XXXX/2021 TO NOW WASN'T DONE NOR WAS IT AUTHORIZED BY ME. I DON'T HAVE THE CARD, CAN'T GET INTO MY ACCOUNT AND CAN'T GET ANOTHER CARD FROM PNC XXXX. I HAVE TRIED BETTER BUSINESS BUREAU WHICH PNC BANK NEVER RESPONDED BACK TO THEM AND I HAVE BETTER BUSINESS BUREAU STATEMENT SAYING THIS. RIGHT HERE AT XXXX TIME I'VE BEEN FIGHTING THIS SINCE XXXX.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's 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 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account XXXX : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX 
Account Number : XXXX Account Name : XXXX XXXX, XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX INQUIRIES : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it XXXX that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed.
Product: Student loan

I couldnt afford to immediately repay my student loan payments due to being laid off at my job right after i stopped attending colllege. On top of my financial harship I was dealing with the XXXX of my father which also caused a loss of income in our household.
Product: Debt collection

On XXXX XXXX there was a collection placed on my account for the Amount of {$920.00} from XXXX XXXX I have made several phone calls to get this disputed. I reached out to them and told them this account was closed and sent multiple letters they stated they never received them in XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the following accounts and inquiries from my credit report. As a recent victim of identity theft due to a data breach, these accounts and inquiries are fraudulent. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to request that such inaccurate or fraudulent information be removed from my credit file.

Account to be blocked and deleted : 1XXXX XXXX XXXX  Account Number : XXXX Date : XX/XX/XXXX Amount : {$280.00} Inquiries to be blocked and deleted : XXXXXXXX XXXX Date XXXX XXXX XXXX XXXX XXXX XXXXDate XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Experian has reported on my credit report that account XXXX XXXX account number XXXX in the amount of {$830.00}. That {$0.00} dollars has been paid on this account according to XXXX XXXX. That is False and Incorrect. Payment were indeed made on this account. So the balance of {$830.00} is incorrect. Further more Experian has listed this account as closed and that is also incorrect. The true status is Collections. According to the Fair Credit Reporting Act 15 U.S.C. 1681 Credit Agency such as Experian must report a fair and accurate Credit Report.