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

This is my SEVERAL endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Debt collection

On XXXX XXXX XXXX, I received a notice by mail from PennCredit Corp ( XXXX XXXX XXXX XXXX, XXXX ) attempting to collect an outstanding electric bill from XXXX XXXX ( XXXX, XXXX ) at a previous address which I no longer resided for service dated XXXX XXXX, XXXX. Due to an error by XXXX XXXX, the service was not disconnected on the requested date and instead was billed to me for a service period in which I had already relocated to my newly purchased home. My attorney ( XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX ) sent a US Postal Service certified letter to PennCredit requesting verification of debt, as well as instructions to cease all further communications to myself pursuant to 15 U.S.C.1692 ( c ) except for communication necessary to forward the debt verification information requested, as well as documentation showing PennCredit had registered with the office of Financial Regulation as required by XXXX Statutes. No further response was received from PennCredit in XX/XX/XXXX. On XXXX XXXX XXXX, I received another letter form PennCredit for the same alleged debt, once again lacking any documentation requested in the certified letter sent to them on XXXX XXXX, XXXX. At this time, It is my belief that PennCredit has violated the Fair Debt Collection Practices Act pursuant to U.S.C. 1692 ( c ) by contacting me directly without the requested validation of debt as instructed by certified letter, by contacting me directly when a cease communications was requested by certified letter, by failing to provide validation of debt and company registration within the required 10/30 day period, and by attempting to collect an invalid debt after an expired statute of limitations.
Product: Student loan

I am currently in default on my navient loans. I have currently paid on the for over 5 years now, and have been going through tough times right now. I am not currently done with my degree and have been recently pursuing my degree a  XXXX   XXXX   XXXX   XXXX   XXXX  . With interest rates on my loans between 8-12 percent and monthly payment around 500 a month, it should be a crime to charge someone so much for trying to Perdue a degree with nothing.
Product: Checking or savings account

Account Opening Date : XX/XX/XXXX   Initial Funding : {$10000.00} A detailed timeline and summary of the events are as follows : XX/XX/XXXX   : Opened a new checking account, having been directed from a page advertising a bonus offering, and funded it with the requisite {$10000.00} ( among the other steps that popped up after the initial opening ) XX/XX/XXXX  ( 114 days later ) : Bonus not deposited into my account as promised per the terms of the offer. 

Upon realizing that the promised bonus was not credited, I sought resolution through the following channels : Initial Customer Support Interaction : Outcome : I was informed that no bonus was linked to my account and was advised to fax the bonus details to a specified fax number, after which the representative promptly ended the call. 
Engagement via Social Media ( XXXX ) : Outcome : Upon explaining my situation to Citi representatives on XXXX, I was simply redirected to call the initial customer support number the same one that previously yielded an unsatisfactory resolution. 

My efforts to resolve the issue through the suggested channels have been unsuccessful and unsatisfactory due to the absence of a supportive and problem-solving response. The lack of acknowledgment and action regarding the promised bonus not only contradicts the advertised offer but also demonstrates a considerable gap in customer service and support.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and I am formally requesting the removal of the fraudulent accounts and inquiries listed below from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) : Fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian to have incorrect addresses on my credit report, I have submitted my IDs driver license, and SSN card paving my address via a bill and they have yet to uphold my request. I have asked them do to so multiple times and their allegiance seems to be elsewhere rather than directed towards my request, a consumer who's account has already been subject to fraud. And they know this because I sent them a police report for the fraudulent account.
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 168b permissible purposes of consumer reports. 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX  ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

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.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate
Product: Credit reporting, credit repair services, 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 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX CARD XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00}
Product: Mortgage

They are telling me I have to pay a {$150.00} free to a broker in order to cancel my PMI. I owe XXXX my home values at XXXX and Ive owned it since XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I SENT FTC REPORT ALIONG WITH BLOCK LETTERS ON XX/XX/2021 AND THE ITEMS ARE STILL ON MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

The payment history for XXXX XXXX is inconsistent. See attached reports. 

XX/XX/2018 Equifax says late '30 ' XX/XX/2018 XXXX says 'ok ' XX/XX/2018 XXXX says '30 ' Account was never late
Product: Credit reporting or other personal consumer reports

I am filing a complaint against TransUnion for failing to conduct a proper investigation into my disputes and for accusing me of using an unauthorized third party to submit my requests. Additionally, TransUnion failed to respond to my second dispute letter. I mailed two separate dispute letters to TransUnion, disputing inaccurate personal information and accounts on my credit report. I made sure to include copies of my photo ID, social security card, and a recent bill with my current address to verify my identity. 
The first letter was mailed on XX/XX/2024 ( USPS certified mail tracking number XXXX ), and I received a response dated XX/XX/2024. The response stated : " We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. '' The second letter was mailed on XX/XX/2024, but I have not received any response from TransUnion to date. 
According to the Fair Credit Reporting Act ( FCRA ), TransUnion is required to conduct a reasonable reinvestigation of any disputed information in a consumer 's file. It appears that TransUnion has violated my consumer rights by failing to investigate my disputes, falsely accusing me of using an unauthorized third party, and not responding to my second dispute. 
I am including copies of my dispute letters, along with TransUnions response ( or lack thereof ), as proof of my complaint. I am now demanding that TransUnion immediately and permanently remove the disputed items from my credit report.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX SS # XXXX ID # XXXX DOB XXXX todays date XXXX AS OF XX/XX/year> I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING ACCOUNT NAME : XXXX XXXX  ACCOUNT # XXXX 15 U.S. Code 1681c-2 I HAVE RECENTLY DISPUTED THIS FRAUDULENT ACCOUNT I NEVER GAVE MY WRITTEN CONSENT TO FURNISH CREDIT REPORT has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! 



Under, 15 U.S Code 1681b - Permissible purposes of consumer reports I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. at resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. 

15 U.S. Code 1681i - I ( 7 ) THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER OF FRAUD RECEIPT - 15 USC 1681B - PERMISSIBLE PURPOSE
Product: Vehicle loan or lease

I had a car lease with Hyunda. I had the car for 12 months - I went to sell the car ( what was remaining of the lease ) - I went to a used car dealer on XXXX XXXX in XXXX XXXX XXXX No Longer open ) and the dealer received a payoff from Hyunda verbally in which was inaccurate I found out after I sold the vehicle to the dealership. I did not have possession of the vehicle when Hyunda reported the account derogatory and closed.
Product: Checking or savings account

I received an email stating that my account was suspended for suspicious source of funds picked up by their system. I tried getting in contact with customer support but customer support was very unhelpful and would barely reply. Less than a week later despite, despite trying to get help from support, they tell me my account has been closed for violating their internal policy and that I am not eligible for a refund but that I could send in the requested documents to fix the issue. I tried sending in the requested documents, I sent them in 4 times to be exact but each time I would send an email someone would reply once and I would have to start the process over again because they would no longer reply to the email chain. No one would or could explain anything to me. They basically took the money and stopped responding or helping. The account had XXXX dollars and I looked online and saw that the company had done this to a lot of people none of whom managed to get their money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. XXXX XXXX XXXX They reported negative information to all of the credit bureaus as my payment being late after I had called them and told them I would pay one month  minimum and then in a few days pay off the entire debt which was {$14000.00} on one card and {$4800.00} on the other. I did pay off both credit cards in full a few days later. However, they had sent negative information to the credit bureaus regarding this account that I have had for over 21 Years. 

During this process the credit bureaus lowered my credit score by 100 points, then XXXX, came back to me claiming that they are taking the card away from me and the credit AFTER I paid both of them off in full myself not through another company etc.. Then when asked to remove the negative information they placed on the credit bureaus information XXXX XXXX XXXX XXXX me to apply for more credit, which would be at a much higher interest rate because the 'terms ' of my old card that I used and paid off several times since 1996 was not available anymore. 

I then received a letter from XXXX claiming that their decision was made by information they received from XXXX XXXX, however, when contacting XXXX XXXX they claim that they created and dropped my score due to the negative reporting from XXXX and XXXX. 


2. XXXX XXXX Same thing, I called and told them I was going to pay off the entire card in a few days. They then reported negative information to the credit bureaus and after I paid my credit the negative still stays on my report making it harder to get loans in the future etc ... My credit a year ago was XXXX dropped to XXXX and then down to XXXX AFTER Paying all of my debt at 3 banks totally over 40K. 

3. XXXX XXXX I called and they are the ONLY bank that actually reported that I PAID the credit off in a timely fashion to the Credit Bureaus and so nothing negative was reported. 

I feel like the Bureaus and the Banks are working together to make consumers credit worse so that interest rates go up. They both blamed each other and neither would remove the negative mark off of the credit report when asked to do so with proof that my credit debt was at almost XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

They have not removed false information from my report that XXXX removed already. They make it hard to dispute information plus my personal information was compromised because of their recent breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB DISPUTE RE : XXXX XXXX XXXX credit card XXXX Account history : The account was opened in XXXX This credit card account was a joint account between my father XXXX and my mother XXXX. 
I was added as an authorized user to their account when I was in college. 

Death certificates for both of my parents are attached below : -Father XXXX XXXX SS # XXXX Date of death XX/XX/XXXX -Mother XXXX XXXX SS XXXX XXXX Date of death XX/XX/XXXX My legal name is XXXX XXXX XXXX XXXX My SS # is XXXX. My identity documents are below. I helped care for my mom and we shared the same address at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. 


Overview of issue I need help addressing : I contacted XXXX XXXX XXXX after my mothers death and was told that they wouldnt remove me from the account and process the account as a deceased account since both of my parents, the only liable parties, were now deceased. 

I felt forced to continue to make payments from my own account after my mom 's passing because I didnt want any late marks on my perfect credit. 

I have never signed a contract to be a liable party. I was always ONLY an authorized user.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you to dispute some errors I have found on my credit report. I have reviewed my report in detail and have identified several inaccuracies that I would like to clarify. 

First of all, this account is reporting me twice in my credit report with different names, seriously affecting my credit history. 

I have also noticed that there are certain errors, considerably affecting my credit report in a negative way. This account is already closed, but I am reporting late payments, which there is an inaccuracy of the dates, so I kindly ask that it be deleted from my history. 

This account presents inaccuracies in the 3 most important credit reports, giving a report only in XXXX. 

This account was disputed with your agencies in the past due to a charge that they generated for something that did not correspond to me giving an extremely high amount, which I do not recognize from this account at all. 

Attached you will find all the information corresponding to this dispute. 

For this reason, I kindly ask that this account be removed from my history which is found paid and closed. And it's only affecting me. 

I attach to this letter copies of documents supporting my claim that show that the data on my credit report is inaccurate. 

I ask that you conduct a full review of my credit report and take the necessary steps to correct the errors identified. I appreciate your attention and I look forward to your response as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and noticed that I have  one  account in collections with S  XXXX   XXXX  . I have no knowledge of ever obtaining this debt.
Product: Debt collection

This account was charged off which means that they have reported this to the IRS and gotten a tax write off for it therefore it is no longer owed. This needs to be deleted from my credit. There are 2 accounts {$5700.00} and {$1600.00} showing on my credit that need to be removed.
Product: Debt collection

BRCLYSBANKDE : Has reported my debt twice that i owe them and this is not true this is illegal they have called me several times and send me letters to pay them. I do not owe them twice and are also reporting incorrect balances. I called XXXX who is the other creditor reporting i owe them when its the same debt as BRCLYSBANKDE but with a different amount. 

When i called XXXX they told me the debt is with a lawyer and the lawyers did not want to help my case but just wanted me to pay. I need help to see what is going on here, i feel like i am being violated by my consumer rights.
Product: Debt collection

Received a collection letter AGAIN for a toll from using the PA TURNPIKE - this is now several that we NEVER received any invoice or ANY information that their was any amount owed. AGAIN this HAS BEEN SEVERAL. NO INVOICE- STRAIGHT TO THIS COMPANY FOR COLLECTION-NO DATE, NO PROOF of VALIDITY - NO INFORMATION AT ALL- we receive several of these and no one seems to have any Information from the STATE of PA- This latest letter for collection is dated XX/XX/XXXX. NO one has been to PA since XXXX XXXX then just received this 11 months later. In addition, I registered this car in NC in XX/XX/XXXX and I was told i had " tolls from PA '' and in order for NC to register the car these had to be paid and although they still provided no proof I paid the amount and was proven to NC and was then able to register my car. THESE CHARGES ARE NOT VALID.!!!! I have contacted several employees at the PA TURNPIKE and NO ONE WAS WORKING DUE TO COVID- THIS HAS BEEN A HUGE ISSUE ACCORDING TO MULTIPLE SOURCES at the PA TURNPIKE . This collection agency also have a history " NOT VALID '' claims- XXXX XXXX complaints for this exact issue in just a couple years.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by XXXX XXXX XXXX XXXX, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and XXXX XXXX with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of XXXX. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a Lease with a company named XXXXXXXX XXXX XXXXXXXX which dissolved and transferred to a company called XXXX XXXXXXXX XXXX. i received a letter on XXXX XXXX that the loan would transfer and XXXX would be the last month that my payment could be made and beginning XXXX i would be making my payments to XXXX XXXX XXXX. On XX/XX/2021 i checked my credit accounts and Discovered that i had been marked with a 30 day late for the month of XX/XX/2021. I called XXXX XXXX XXXX several times and waited on hold for well over an hour and a half but no one ever answered. I emailed the email on file and still have not received a response. I paid by XXXX payment to XXXX XXXX XXXX om XXXX XXXX as i have for the past XXXX XXXX years. I am in the middle of a purchase and this has impacted me as my score dropped to below XXXX from an XXXX this is unacceptable and i need this to be rectified immediately but no one ever answers the phone or responds to any of my attempts to reach the company. I am providing proof that my payment was accepted and withdrawn from my XXXX XXXX account on XXXX XXXX. I will also file complaints with all 3 credit Bureaus to make the corrections. I am beyond upset that this company would make such an error as i take pride on paying all my payments in a timely manner.