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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.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 : INQUIRY : XXXX XX/XX/year> XXXX XX/XX/year> Accounts : XXXX XXXX XXXX As required by 15 U.S.C 1681c-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 CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 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: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$43000.00} ; XXXX XXXX  XXXX Balance : {$2400.00} ; XXXX XXXX  XXXX Balance : {$10000.00} ; XXXX XXXX  XXXX Balance : {$6600.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX  XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX TX ) XXXX Balance : {$1500.00} ; XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX TX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX and TransUnion Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 or XXXX 
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Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. CHAPTERXXXXBANKRUPTCY XXXX
Product: Credit card or prepaid card

I have banked with XXXX XXXX for many years and have been going through ID Theft, Data Breaches, Cyber crime and am being tormented to this day and it started in 2019 if not earlier without my knowledge. My bank has told me they would not issue me another debit/credit card if this one is changed again because of reporting transactions that are not mine/fraudulent. My visa was taken out of my hand by a gentleman behind the desk and said they would not issue me another visa. I had gone down to XXXX to visit my 'sdaughter and went to the headquarters and they issued me another one without question. The bank has begun to treat me like i am the criminal. And now i am penniless because i am afraid to report my desputes that are clearly not my transactions, in fact have another person 's name from a XXXX and they refused to dispute it because i said i did not know that person, it was initials only and then i realized that may be my daughter and the bank now will not dispute my disputes. They told me because of IDentity Theft that i can't use the online banking and that made it hard becasue i had to go in every two weeks to get statements and now my visa has gone over the limit because i have NEVER gotten a statement from the bank so i dont know what is going on with my visa and i talked to a gentleman named XXXX at the XXXX and he admitted it had been the banks fault for not sending me statements when all i have been doing is paying on it and paying and now it is over the limit and i have not really used the card. I have a credit line there as well and since i have no money i have been using that to live on and the interest is so high i can't get ahead and don't know what to do and the bank is just making it worse by treating me like a criminal. They say " you have been diputing on my checking account for years and that is correct and they have given me the credits every time except now they wont help me at all. With the intimidation i have quit disputing. And now i am under, my credit has taken a hit and there are other credit cards created in my name that are not mine. Please help me it has all ruined a 25 year relationship and i have minimal income from SSD and have to relocate at the age of XXXX and i dont know how i am going to live or how i will survive. If you have any help please let me know as soon as possible My name is XXXX XXXX, XXXX XXXX XXXX XXXX, Alaska XXXX XXXX email : XXXX Thank you very much and i am not sure i explained everything. I need to mention that i have been reporting the ID Theft and cyber crime to the XXXX XXXX, the FTC, XXXX, and the XXXX to no avail. I have been hung up on by the FBI twice and i can't handle the people who now control my devices. I know it sounds crazy but its been a long XXXX XXXX and can't take it anymore. Some people dont ' even believe me and think all of a sudden i have lost my mind, but i know what i know, it deal with torment o
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAVE VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHT TO PRIVACY AND CONFIDENTIALITY UNDER 15 U.SC 1681 XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX 15 U.S.C 1681 SECTION 602 A : STATES THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 A : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 15 U.S.C 1681c SECTION 604 ( 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 has been notified on multiple occasions that the account balance is incorrect on this account. They have been notified through mail and verbally. These are direct violations of the FDCPA and the FCRA
Product: Credit card

Dear Consumer Financial Protection Bureau : I know you are very busy so I`ll get right to the point I have a credit card with USAA and i recently opened this account this is about my XXXX payment I 've made and with the normal credit card companies they post your payment within XXXX hourswell I made my payment about XXXX days ago and it is not been posted to my account I called them and asked them why and they said they can and do hold payments for XXXX days, I have a problem with that because interest is still accumulating due to non posting of payments and when i ask about this policy no one could give me a concrete answer why? this is Egregious and I believe against accounting policy I have never had a financial institution do such a thing.I am requesting that you look into this matter and please tell me this is in the fair lending act, this just does n't seem right.thank you for your time on this matter I await your response. last XXXX numbers of my XXXX card is XXXXThanksXXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I took a title Loan with Mariner Finance in XXXX of 2021, it was a loan for {$5000.00} dollars. 
I was under the impression that my vehicle would be used as collateral if the loan wasnt paid off. But this company has put themselves on my auto as a second lender! Also, I was told that the payback amount on this {$5000.00} loan would be {$6000.00} by paying {$190.00} by weekly! I committed to my payback obligations for over a year and was making my payments on time. I even made a lump sum pay of {$1800.00} dollars to get the loan down. I then contacted the company because I could not access my payments or balance amount on their website. At which time I was told I had a {$4000.00} dollar Balance!! HOW I asked, and thats when I was told this is an interest based loan and the amount increased over time due to interest. I have since stopped making payments on this scam and I am constantly being harassed by the company. I have attempted to make a deal with these people and showed them that the debt is actually satisfied. I need help with this Matter because I truly feel it is a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I Reached out to XXXX XXXX in regards to a debt they are saying I owe. I talked to a rep from XXXX XXXX explaining that the information was invalid. I also mailed them a copy of my police report & disputed letters asking them to remove the inaccurate information they are stating I owe {$920.00}. When i spoke with the rep she said they cant remove it unless i pay half. This account is not mines so i feel as though i should not be responsible to pay it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disturbed that you continue to list the dismissed bankruptcy as confirmed. 

Although it is your policy to keep reporting bankruptcies which are filed or adjusted for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to Bankruptcy about dismissals or filings. 

The law states from date of adjudication or date of order for relief. Any case, civil or otherwise, that has been dismissed no longer exists in the eyes of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent.
Product: Mortgage

Closed heloc being paid off monthly including extra principal payment. I have seen this on more than one recent statement in addition to the most recent one attached. The attached shows a Previous ( beginning monthly statement ) Account Balance of {$20000.00}, but an Average Daily Balance of {$20000.00} used to calculate interest. HOW ON EARTH CAN THE AVERAGE DAILY BALANCE BE HUNDREDS OF DOLLARS GREATER THAN THE PREVIOUS ( beginning monthly statement ) Balance? This account has been closed for over a decade and the balance can ONLY DECREASE. This same bank actually reported to credit bureaus a few months ago that the balance had increased, also. Their statement is absolutely ridiculous and their computer systems are obviously stealing extra interest from me with this fraudulent calculation of average daily balance.
Product: Checking or savings account

Dear sir/ madam, I am writing this on a problem I am encoutering with my account in pnc bank XXXX 

I opened my account with XXXXXXXX XXXX in XXXX. Recently I received email noticing that my PNC account is in low cash mode. 

I did not make any agreements or opening accounts with PNC, and they just started charging me some random fees after they acquired XXXX XXXX. 

I have called the customer service to check what happened. The agent told me he had refunded me and solved it to prevent further fees. However, i am still being charged this month. 

I went to a branch today and the lady told me she can not do nothing about it. 

The fees are not reasonable without any early notifications and ridiculous even after the agent claimed this would not happen again.
Product: Debt collection

This account was deleted after an investigation by the credit bureau and then not a month later was added back onto my credit report under a different collection agency. This was an ongoing headache from XXXX who was over charging me and I tried for XXXX  months to get it fixed. They neglected to fix it and hold their end of responsibility. I do not owe this company any amount and would honestly be inclined to sue them myself if this issue isnt resolved soon. I was a great and happy customer for over XXXX  years until they unfortunately werent willing to fox the problem they created and it actually resulted in me losing a {$1200.00} device as well as deactivating my account and now Im being charged unfairly. This is theft at an unbelievable level. Please help me fix this issue. Im trying my best to pay up my balance and this issue is hindering me financially from being successful. You can reach me at XXXX. Thank you XXXX bless.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX SSN : XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXXXXXX XXXX XXXX TransUnion Disputes Information Center Dear Transunion I was under the impression that you are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning me and my consumer file.

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish However, I would like you to conduct a reasonable reinvestigation to determine whether the following disputed information is inaccurate and delete the items from my consumer file in accordance with 15 USC 1681i ( a ) ( 5 ) ( A ) : 1. XXXX - Account # XXXX ********* - Delete this account because you are inaccurately reporting : the date of the last activity, even This account was charged off on the following date [ XX/XX/XXXX ]. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. 

2XXXX XXXX - account # XXXX - Delete this account because you are inaccurately reporting : the date of the last activity, even This account was charged off on the following date [ XX/XX/XXXX ]. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. 


3. XXXX XXXX - Account # XXXX - Delete this account because you are inaccurately reporting : the date of the last activity, even This account was charged off on the following date [ XX/XX/XXXX ]. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. 


Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the complete of your re-investigation. 

Regards, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Previous Inquiry Created XX/XX/2024 Multiple Inquiries Error There are multiple inquiries all within one day of each other on my credit report, but I only authorized one of them. I previously disputed this inquiry stating : " I dont recognize this amount of inquiries by this lender, and I dont remember authorizing them to perform multiple hard inquiries on my credit report. '' I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry or delete this inquiry.
Product: Credit reporting or other personal consumer reports

US DEPT OF EDXXXX Account Number - XXXX I just took a look at my credit report. I noticed that you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of XXXX. According to the FCRA, I have the right to an accurate. please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon complection
Product: Consumer Loan

Quick Credit is charging me very high interest and I can not afford to pay the loan
Product: Debt collection

Received threatening notice that they could take my wages, money and property without warning.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX SSN : XXXX Date : XX/XX/2022 To Whom it May Concern : I recently pulled a copy of my credit report and noticed the following information are in error : Address : XXXX XXXX  XXXX XXXX XXXX XXXX, IL XXXX With the amount of identity theft going on, I am very fearful that someone could mistakenly identify me as someone else with this incorrect information on my credit report. 

Please update to : XXXX XXXX  XXXX XXXX XXXX XXXX, IL XXXX Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB. I am writing to file a complaint against TransUnion. TransUnion is reporting several accounts on my credit report that I have disputed as inaccurate. 
I reached out to TransUnion on XX/XX/23 asking for a method of verification to be provided to me for the disputed accounts within 15 days, by law. I did not receive a response after 15 days. 

Under the Fair Credit Reporting Act ( FCRA ), the credit reporting agency is required to give me a method of verification within 15 days of my request. If this is not provided, the agency is obligated to remove the disputed records. I am exercising my rights by law and now asking for these accounts to be deleted immediately. 

This letter is formal notice that TransUnion has failed to respond to my request to provide the method of verification for disputed accounts on my credit report. They have failed to respond to my XX/XX/23 letter asking that they show verification of proof for these disputed accounts. I have enclosed a copy of my letter sent on XX/XX/23. I am also including a copy of the XXXX tracking showing a delivery receipt on XX/XX/23 to TransUnion. I am maintaining detailed records of all my correspondence with them. 

I am also including a copy of my letter sent to TransUnion on XX/XX/23 and tracking asking that these accounts be deleted due to TransUnion not providing the method of verification within 15 days from my initial letter. As they have failed to do so, I am demanding that they remove the below six accounts from my credit report with TransUnion bearing my social security number. The six accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX