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

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
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 or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXXXXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : Equifax XXXX, XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX EQUIFAX MORTGAGE SER XX/XX/XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

XXXX XXXX from XXXX XXXX threatened to have law enforcement come to my house because I said I could not pay my debt at this time. She also called an old acquaintance and told her she was a debt collector looking for me. I do not know how they got her information in the first place since she has nothing to do with me.
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF HUMAN TRAFFICKING PLEASE BLOCK THESE ACCOUNTS PURSUANT TO FCRA 605C. I AM ALSO A VICTIM OF IDENTITY THEFT AND SECURITY BREACHES PLEASE ADD A FRAUD ALERT AND FREEZE AND OPT ME OUT. PLEASE USE THE NUMBER XXXX AND SEND ME A COPY AND CPFB.
Product: Credit card or prepaid card

I have a PNC Bank XXXX ending in XXXX. In XXXX I notified PNC Bank that I wanted to close out the account and also paid the balance on the account of {$120.00}. They are saying that the check was not received in time and posted a {$27.00} late fee plus {$2.00} interest fee. I refused to pay the fees since I had notified them that I wanted the account closed due to medical issues of having XXXX strokes over the past year and not needing the credit card anymore ; as well as paying the balance in full that was agreed to via the phone. The following month PNC added {$38.00} in late fees and {$2.00} in interest. And they are continuing to add late fees and interest even though I have paid in full and closed out the account. I called them to discuss and after XXXX min. on line the phone line went dead while waiting for the XXXX to discuss with a supervisor ; and they didn't even call me back. I called back in and got a new person who essentially said " tough luck, but you owe us the money and have to pay it or we'll come after you. '' This is simply blackmail and hostage taking of someone's credit by not closing out the account and continuing to charge late fee on late fee and interest on interest without any purchasing being made since XXXX of 2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. XXXX XXXX XXXX Date opened : XX/XX/2016 Balance : {$0.00}XXXX XXXX XXXX XXXXXXXX ate opened : XX/XX/2016 Balance : {$2000.00}, and XXXX XXXX XXXXXXXX Date opened : XX/XX/2016 Balance : {$13000.00}. Please remove.
Product: Credit card or prepaid card

On XX/XX/2022 I received a Visa Gift Card ( # XXXX XXXX XXXX XXXX ) as a birthday present from a friend. The card was purchased on XX/XX/XXXX at the XXXX Grocery Store located at XXXX XXXX XXXX XXXX, XXXX, GA XXXX in the amount of {$30.00}. When I attempted to use the gift card on or about XX/XX/2022 at a merchant, the gift card was rejected. I then logged in to XXXX and learned that the gift card was apparently fraudulently used in XXXX, TN on XX/XX/2022. I was never in XXXX, TN and did not use the gift card at that merchant. The card in question was somehow registered to another user. 

I contacted Visa at XXXX and was instructed to fax the following information to them so that the a new gift card in the amount of {$30.00} be issued to me. On XX/XX/2022, I faxed Visa ( fax number XXXX ) ; 1 ) A copy of the gift card, 2 ) A copy of the receipt that purchased the gift card, 3 ) A copy of my driver 's license. 

On XX/XX/XXXX, I followed up with Visa and called them about the fax. They informed me that they had received the fax but couldn't read my driver 's license information and I would have to re-fax the documents. The information on my end was clear and readable. Nevertheless, as requested, on XX/XX/XXXX, I re-faxed the information to Visa with an enlarged copy of my driver 's license, a copy of the gift card, as well as a copy of the receipt used to purchase the gift card. 

On XX/XX/XXXX, I again followed-up with Visa about the status of my second fax. This time Visa informed me that although they received the fax, the purchase receipt was missing and I would have to re-fax the documents a third time. I tried to reach a resolution with them over the phone but I was unsuccessful. 

My access to a fax machine is limited. The use of a fax machine is an outdated practice and is being used, in my opinion, to make it difficult for people that were defrauded for relatively small amounts of money to claim what is rightfully theirs. 

In my opinion, the Visa company is making this process intentionally difficult for persons making a valid claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion Credit company is using a false credit report to deny me eligible credit. I discovered my social insurance number was fraudulent through civil litigation and the credit reports leave information on their which is incorrect to assist in human rights violations Because of this TD bank deposited my student loan into a different account because they are a part of this fraudulent activity. I discovered if your XXXX or XXXX  your social insurance number is fraudulent so you dont exist basically
Product: Checking or savings account

Payment Option : Direct Deposit Bank or Credit Union Name : CAPITAL ONE N.A. 
Routing Number Ending In:XXXX Account Number Ending In:XXXX Account Type : Checking The texas department of workforce commission has not deposited the direct deposit into my XXXX checking account as instructed, capital one is indiciating that the federal reserve has not released the payment into the account, please help me they are stating, XXXX is stating that they will reach out to upper management to make a excpetion or ask about a exception, please help that is a XXXX dollar bonus right now with covid that really helps
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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

UNAUTHORIZED INQUIRIES : Equifax XXXX BANK XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 of 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

I did a free trial for Experians credit monitoring. I cancelled it the next day and was told on their site that I would not get billed in the future.

Today, I tried to login to check the status of a dispute and the website is forcing me to pay them {$XXXX} to continue. I can not access the status of my dispute without rendering funds that I do not owe to Experian first. Thusly, holding the status of my report hostage. I did pull the report via free annual credit report but I am unable to identify if any changes were made. 

I want this requirement to pay them removed.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in my account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

i have disputed " The XXXX XXXX '' with XXXX, Equifax, XXXX  multiple accounts and it seems all these accounts have been removed from my XXXX  reports and it hasn't been removed from XXXX & Equifax and all bureaus are supposed to have consistent information. it is a charged off with a balance on it.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please XXXX and remove it. 
XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX.
Product: Mortgage

My original compliant turns out to be the the same thing, incomplete information at the Attorneys help and settlement, SPS has not been fair in it dealings, they honestly did not review with is a part of the settlement. Why would you close a file in XXXX days because you can not figure out That CDCR is XXXX XXXX XXXX XXXX XXXX XXXX, but you have current paystub labelled State of California? Seem to me there into stealing houses for XXXX XXXX, criminals. Everyone, else modifications except t ; hem why???
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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 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 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  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

collection company added a closed account to my credit reports that has been closed over 7 years now stating the account was opened with them XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple dispute letters to experian asking for proof and validation that collection accounts belong to me. I have not received any of the info I asked for per the fair credit reporting act!! They will not provide me with proof of these collection accounts, only a generic letter stating they have verified the accounts. Please help me dispute these accounts and get the info I have asked for from Experian
Product: Payday loan, title loan, personal loan, or advance loan

I made 4 previous loan payments ontime. 
I wanted a 2 week extension to make XXXX payment. 
XX/XX/XXXX was taken without My knowledge or permission. 

Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. Iresearched how to remove the fraudulent items in my report and found that I need to visitFEDERAL XXXX XXXX or https : //www.ftc.gov to file a report Per FCRA section605b Credit Reporting Agencies are required to remove/block any items listed on an idtheft report. Please find the ATTACHED documents to assist in blocking the erroneousinformation which is being posted to my report. Here is the list of items that do not belongto me or were opened without my permission. XXXX XXXX XXXX  XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX  CA XXXX ; XXXX Inquired on XX/XX/2022.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian had neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates Federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

National Credit Systems : Account XXXX National Credit Systems is inaccurate reporting an item on my creditXXXX XXXX XXXX and XXXX  are allowing this to happen and have continued to disregard my request to validate this account and remove the inaccurate items from my credit report. 

1. Date Opened is listed different on multiple credit bureaus. 

2. This account XXXX Has FCRA Violation. 

3. This account is being RE-AGED FCRA Violation. Date of Last Activity is being RE-AGED every month. 

3 different dates on each credit bureau. 
- Date Open Different on credit bureaus -Date of Last Activity Different on credit bureaus -Date last reported Different on credit bureaus 4. Last reported dated inaccurate. 

5. This account was a Business Account not a Personal Account and is being paced on my credit despite my several attempts to contact National Credit Systems and XXXX, XXXX  and XXXX correct and remove this inaccurate info from my credit report. 

6. The Balance is outrageous!! {$16000.00} for 1 months rent?? This is insane!!
Product: Credit card or prepaid card

Last year I opened what I thought was a BJ 's store card. I rarely used it, and did not know it was a credit card. I was not planning on renewing. 

In XXXX, 2022 I get a statement that I owed a {$58.00} renewal charge. Still not realizing this was a credit card. I planned to go to the store when I was in XXXX and tell them I wasn't renewing. 

In XXXX, I get another statement, this time with a late fee and interest. I now realize that the card is a BJ 's Comenity Mastercard. I called Comenity and tell them I didn't want the card and was disputing the charge. They tell me the late fee couldn't be reversed until BJ 's reversed the renewal fee. I called BJ 's and they reversed the renewal charge but said it would take 2 months to process. 

In XXXX I get another late fee and interest. In XXXX the renewal fee is reversed but I get charged another late fee and interest. In XXXX I get another late fee and interest. 

I was able to reach someone at Comenity Bank who put me through to their Collections Dept. They told me to pay the late fees. I argued with them and the representative, XXXX, said she couldn't do anything but would escalate. In the meantime my credit has been hurt. 

I put messages on the internet page for this credit card. Finally someone answered the message and again told me I was responsible for paying the late fees and interest which are now up to {$150.00} because I didn't pay timely. 

I tried reaching Customer Care and was on hold for 45 minutes last night and finally hung up. This afternoon I tried and after another 45 minutes on hold I hung up. Then I tried a different phone number and was on hold 15 minutes when the system cut me off. It is almost impossible to reach these people. 

I am reading online what a scam operation these people are. Please help me.
Product: Debt collection

I have account reporting on my consumer report By Credence Resource. I do not now who or what this company is but it is reporting as a collection on my consumer report. I have tried to get the inaccurate item removed and deleted from my consumer report. I know everything is wrong on this account anyway, the dates are inaccurate and the account is inaccurate. Since this account is still reporting on my report and has not been validated or verified, I will be seeking for damages under the FCRA and the FDCPA UP TO {$1000.00} PER VIOLATION AND FOR EVERY MONTH THAT IT HAS BEEN REPORTING ON MY CONSUMER REPORT. Credence Resource will be held liable because they are reporting the debt on my consumer report.
Product: Credit reporting or other personal consumer reports

Requesting documents 1099 OID form and the original charging instrument these documents will show Im not involved in a contract with this company or they are not the issuer of funds and this must be removed
Product: Checking or savings account

Wells Fargo gave me the documents used regarding my claim, but they did not disprove anything I was saying, and the reasons why I disputed the transactions. The merchant whose transactions I was disputing have insisted that Wells Fargo received my money back even though Wells Fargo has not given me back the money. I have tried to email and call multiple times and nobody responds at all
Product: Debt collection

Could you kindly take the time to thoroughly examine the documents provided as attachments? It's essential to carefully review these materials to ensure accurate understanding and consideration of the information contained within them. 
Thank you for your attention to detail in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

due to negligence and falsified information being reported from consumers, I have been struggling to obtain financial assistance during the economical impact that COVID-19 has brought for thus another year. I have many unverified accounts that present invalid information. I have attempted to reach out at the least 3 times, every 30 days with no results or answers relevant to my demand of validity. I am seeking a final step before legal actions are taken upon all three credit bureaus. they have all failed to respond within 30 days. I demand Justice. The bureaus allow this terrible work ethic and don't do a good job validating correct information. So many people have been failed by the bureaus lack of care and it is time to protect our rights. I have sent both my dispute requests and a failure to comply letter to all 3 bureaus which i will include in this report.