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

Please reverse the late payments reported on the following accounts : XXXX  XXXX XXXX XXXX and XXXX   XXXX The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX credit card way back in XXXX card closed charge off paid that bill now XXXX bought a debt that was already solved and or someone else using it claiming to be me I'm not paying someone else who's claiming it my debt I wasn't even in the states during this time.i want that XXXX XXXXXXXX XXXX card off my report credit limit was only XXXX bucks this isn't my debt and this isn't right that wasn't me.wheres justice for me this isn't right.i want this removed...
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized accounts that appears on my credit report due to my Identity been stolen, I request the following accounts to be delete and removed off my credit report : XXXX open date XX/XX/XXXX amount {$200.00} account # XXXX, XXXX XXXX XXXX  XXXX open date XX/XX/XXXX amount {$980.00} account # XXXX, XXXX XXXX XXXX  XXXX open XX/XX/XXXX amount {$2000.00} account # XXXX, XXXX XXXX  XXXX open XX/XX/XXXX amount {$1900.00} account XXXX XXXXI reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and equifax are still reporting too collection accounts XXXX XXXX and XXXX XXXX XXXX that XXXX could not verify and has already deleted from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

2 Months ago, I checked my credit and found that someone at  XXXX   XXXX   XXXX ,  XXXX , Florida  XXXX , Stole my Idenity by using my Name,  XXXX   XXXX  and SS # to apply for a  XXXX   XXXX  credit card. I immediatly, contacted  XXXX   XXXX  and denied the application was mine and requested a freeze on the fraudulent application. my credit score was effected.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I submitted a dispute by via mail to Transunion and they rejected my disputed saying it was not sent by me.
Product: Debt collection

This account is not mine. I have asked the reporting collection agency numerous times top validate this debt and they are unable to do so, however they keep reporting it to the credit bureaus.The account was previously removed from my file because they could not validate that this debt was mine, however to continue to randomly add to my file at their convenience with blatant disregard for the Fair Credit reporting act. In addition, on my most recent credit report, they are now reporting incorrect dates. Originally the alleged delinquency was XXXX, then now it says XXXX. Phoenix Financial Services has no regard for the consumer. They are involved in unscrupulous business practices. They have made no effort to try and resolve this matter.They have blatant disregard for my request for validation of this debt. The account was fraudulently acquired years ago, and does not belong to me. They have failed to provide me with any proof whatsoever to substantiate their claim. I requested to see the application, the proof of identity that was provided at the time of the application and the original signature on the application and they can not provide that information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint to inform you again that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
These following items listed below are unknown to me. 
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: Mortgage

i became unemployed as a result of covid 19 and wqs unable to keep up with my mortgage payments. my mortgage company offered me a forbearance period telling me that with my va loan there was a every reason being 100 % service connected XXXX veteran i would be able to recieve a grant when covid no longer affected my ability to pay.ie i was employed and my hardship was over. i finally am starting a new job at at the first of XX/XX/2022 so i advised my mortgage company of this. they informed this program for us vets in need had exausted their funds and i will have to pay a higher monthly payment as well as at a signifigantly higher intreast rate for the life of my loan. not only does this place my monthly payment out of possibility for me as i have accured other financial difficulties during my 3 bouts with the covid virus as well as delays in my employment with the company that has hired me but will cost me XXXX  of XXXX  of dollars over the life of my loan. i don't fear much of anything and am way less afarqaid of death than i am loosing my home and will not survive being homeless. what happend to the promise i was given by my mortgage company telling me the federal government would take care of us vets and had a program in place that allowed me to keep my 4.10 % intreast loan and help with the financial hardship i have turn my world upside down? is there anything that can be done.
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 Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

XXXX5 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 which 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, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  are reporting ( 30 ) plus days late on the XXXX XXXX   partial account number XXXX. ( Please see page 3 of the attached credit report. ) This account was paid in XXXX, 2019 and the lates are reporting in XXXX, 2019. Please keep in mind that it is impossible to have late payments on an account that was paid off a month prior. This incorrect reporting is harming my credit score and this line item need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have been unsuccessful.
Product: Checking or savings account

On Saturday, XX/XX/year>, I called Bank of America and spoke to an associate. I asked her to close my Savings Account, as I no longer require it. I specified the account in 3 different ways : by mentioning " Savings Account '', by saying that it is the account with XXXX balance, and by specifying the last 4 digits of the account number.

However, despite these clear instructions, the associate deleted not only my Savings account, but also my Checking Account which had all my funds. This happened with immediate effect, and I was left without any money for bills, groceries or any other use, whether routine or emergent.

I called Bank of America again and spoke to an associate immediately after noticing this. The associate said she put in a request to restore my Checking Account, however, this request will be processed by " Monday or Tuesday ''. I requested to speak to her supervisor, who the associate spoke to and then got back to me, saying that her supervisor said there is nothing they can do to help me other than put in a request to restore my account. The supervisor did not directly speak to me. 

This huge blunder by their associate, their lack of understanding of the difficult situation the customer has been placed in due to their mistake, and the lack of any mechanism in place to urgently deal with these incidents has placed me in a huge predicament. Institutions, particularly big institutions such as this, should have mechanisms in place to deal with emergent situations like this in an urgent manner, but clearly Bank of America does not have such policies in place. This has caused me intense anguish and worry, for I am without any money for the next 2-3 days, if the request is actually processed within this timeframe.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 
A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I do not have a contract with ) Jefferson Capital SYST ) Account # XXXX Nor do I owe any debt to ( XXXX XXXX XXXX ) Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an address for XXXX XXXXXXXX Maryland reporting on my consumer report, that is a result of Fraud. There are also 2 duplicate XXXX XXXX ending in XXXX accounts that are identical reporting TWICE on my report AND they are erroneous. I DEMAND THAT THESE FRAUDULENT ACCOUNTS AND ADDRESSES BE REMOVED IMMEDIATELY. Please note that I intend to sue if these are not removed from my consumer report.
Product: Debt collection

I make an installment payment every month to XXXX monthly via bank online bill pay. They insisted they did not receive my XX/XX/XXXX payment. I faxed them proof of payment, but they have added late fees, have not yet rectified the situation and have reported me to the credit agencies as delinquent.
Product: Student loan

I have explained to the company ( Navient ) that I am unemployed right now, that I have no income at the moment, and have no way of paying back the loan at this time. I have explained that I am unable to work due to XXXX XXXX. They continue to call my phone ( both my landline XXXX, and my cellphone XXXX ) non-stop day and night, sometimes two and three times a day. Despite me having tried to explain to them that I unable to repay my loans at this time!
Product: Credit reporting or other personal consumer reports

S

ubject : Dispute on Removal of Fraudulent Information on credit report in Violation of 15 US Code 1681C-2. I am writing to dispute fraudulent information on my credit report pursuant to 15 USC 1681c-2 and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 US.C. 1681c-2 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 four business days.

To following information on my credit report is the result of identity theft and should be blocked : ACCOUNT NUMBER ACCOUNT DATE OPENED. 

XXXX XXXX XXXX XXXX XX/XX/year> As required by 15 USC 1601c-2, please block this fraudulent information from my credit report Immediately. This information should be blocked for one 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 Experian 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 mina, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you.
Product: Checking or savings account

After XXXX XXXX My checking account balance overdrawn message received on my phone at night around XXXX XXXX  and immediate i went to PNC ATM machine and Cash Deposit in amount of {$200.00} made balance positive immediately and I received text message that your overdrawn item was covered and next morning bank charge {$36.00} for each overdrawn item just for few minutes I requested waive this two Fees {$72.00} total and they denied at first time I escalated problem and they denied again. My question is If i take care my financial matter within time and my account balance become positive within short time period at night. I went at night XXXX XXXX and made CASH DEPOSIT and account was positive balance.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 credit card account opened at XXXX  XXXX XXXX, XXXX. on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$26000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 
XXXX XXXX XXXX XXXX
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 XXXX XXXX XXXX. 

AXXXX 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  has violated my rights. Or 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 which 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: Debt collection

This company is breaking the law by failing to provide validation details as required under 12 CFR 1006.34 ( b ) ( 5 ). Despite this, they added a fraudulent collection to my credit report. Per your documents includes a Texas address. I have never been too or lived in Texas a day in my life.
Product: Debt collection

Ad Astra Recovery failed to validate or send proof of contracts that I have with Ad Astra Recovery. If Ad Astra Recovery does not send a copy of this contract within 30 days, The only resolution i will accept is to delete the said debt from all credit reporting agencies, as it is a fraudulent account. The FCRA requires you to verify the validation of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here and i urge you to remove this item before i am forced to take legal action.
Product: Credit card or prepaid card

On XXXX XXXX or XXXX, I applied to Capital One for a credit card. I have very good credit and their website said I was approved and would receive a card in XXXX to 7 days. In early XXXX, I received a letter telling me I would receive the card soon. Today ( XXXX ) I called Capital One and, after a run-around, I was told that it may take another 16 days. Think that companies that lie to customers should be grilled by someone.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take adequate time and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Nevertheless, their dispute resolution process was unfair, deceptive, inept, and as they did not comply with error resolutions requirements under the Electronic Fund Transfer Act, ( EFTA ), and Regulation E. These actions have caused significant inconvenience and major financial loss. I seek appropriate resdress for these violations.
Product: Checking or savings account

PNC Reference : XXXX In email of XX/XX/2020 I instructed PNC Bank ( " PNC '' ) to close three accounts in my name. However, PNC refuses to close the account and charges fees for no service whilst maintaing these accounts active against my instructions. 

I have advise PNC of the following in writing ; 1. I have taken all reasonable steps to close these accounts. Alas the PNC system does not allow me to do so.

2. I have being locked out from online and mobile access to the accounts.

3. I no longer reside in the US, hence I am unable to use a branch to do so or use the address on PNC 's records for correspondence 4. I no longer own the mobile phone or number that is registered with PNC for communication or verification. 
5. I provided PNC with alternative mobile number for communication
Product: Credit reporting or other personal consumer reports

I disputed inaccurate information with XXXX, XXXX, Transunion in regard to this account XXXX XXXX Account # XXXX, # XXXX. Why are there multiple account numbers across all three consumer reporting agencies? clearly that's a inaccuracy so delete based off that error! XXXX, XXXX and Transunion stated the information was verified and accurate. After checking my credit report the information is still obviously inaccurate! On my XXXX and XXXX report the account displays an open date of XX/XX/XXXX but this account was actually opened XX/XX/XXXX as stated by Transunion so which is it?, it should be falling off my credit report when? The report shows the payment history begins XX/XX/XXXX which is another inaccuracy! The account is also Charged off XXXX times which is another blatant inaccuracy! An account can't be charged off, reported as a collection and then charged off again. These are clear inaccuracies that XXXX allowed to remain on my credit report. The account is not 100 % accurate so it is deemed INACCURATE and should be deleted immediately. XXXX, XXXX, and Transunion told me the account remains with all the inaccuracies. Please delete this account effective immediately. This is my right per the Fair Credit Reporting Act to request this ( FCRA ). ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. I'm asking that you delete this obvious inaccurate account off my credit report and send me an updated copy of this report in Delete account immediately Account Name : XXXX XXXX Account # XXXX, # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i am trying to shop for a house and in my credit report pops up a voluntary repossession of a car with the same company i bought a car someone had use my previous identification to make that loan so i am trying to remove it from Equifax which is the one that is giving a hard time and obviously sent it directly to the company which is stating that i have the loan on my car
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the credit federal act my rights have been violated by these companies i know my right under the 15 u.s.c. law ... # XXXXXXXX XXXX XXXX company is still reporting my credit after its been closed out and charged off for over a year i tried before to have this matter solve.. # XXXXXXXX XXXX XXXX is reporting false information to collect money.. # XXXXXXXX XXXX XXXX id reporting false collection on my credit report # XXXX is reporting late payments that was already discussed