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

Yes my middle initial is incorrect with TransUnion, they have the middle initial as XXXX When it 's suppose to be a XXXX Which stands For XXXX please correct my middle initial in my name with TransUnion. Thank you! 
Also I am XXXX and I have been totally discharged from my students loans since XXXX/XXXX/2017 I have documentation for proof.
Product: Credit reporting or other personal consumer reports

XX/XX/year> $ XX/XX/year> Multiple fraud applications to car dealerships for loans among other credit applications that were fraud. 

I have contacted each credit bureau with the assistance XXXX XXXX XXXX. I froze and locked my credit. I am getting a pin to use for my social security.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received notifications that several inquiries were reported to my credit file that i did not authorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/22 to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$160.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Bank account or service

I got my check stolen on XX/XX/2016.it belongs to my discover saving account ( XXXX ), the check no is XXXX.i talked with discover fraud department.they said if I donot file police report, I would not get my money back.Then when I file police report, the police said they need my check info.however, discover bank shut down my former account, I could n't see all of former information of my account.i contacted with them more than 20 times. 
First, discover bank said XXXX fraud liability ... why I could not get my money back? 
Second, some of my coworker has the same issue, they all get their money back? why I could not? 
Third, if they donot give me my former account info, how can I file police report?
Product: Checking or savings account

Dates : A few dates I cant see because I cant access my account. 
Bank Amounts : Should be totaling $ XXXX {$14000.00} Actions : My bank locked me out of my account because two friends of mine who even offered to come into the branch to clarify the situation sent me bank transfers regarding clothing business matters and rent since we all live together and they refuse to release the money to me so I can take cause of my bills. They are trying to also tell me I have to wait till XX/XX/XXXX to see any of my money when I dont have any right now at the moment. 
Company in Question : Bank of America, N.A.
Product: Credit reporting or other personal consumer reports

XXXX XXXX in fraudulent and was opened by biological father before he disappeared. Disputes were never ran on account because they would have shown age issue as the account was opened when I was a XXXX XXXX XXXX. Company has refused to run accurate dispute even when provided information about dispute. Company has failed to investigate issue for what has been 7 years now. Company has ignored disputes for past 12 months. Attached is XXXX  showing yea XXXX XXXX  XXXX. Account was opened while XXXX XXXX XXXX XXXX Impossible for account to be accurate for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received information from you attempting to collect on 5 alleged debts that you have listed on my 3 credit reports. Your initial communication to me of the alleged-debts was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. I disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the reporting of charged-off accounts on my credit report under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code {$1600.00}.

According to 15 U.S. Code 1681b, a consumer reporting agency is permitted to furnish a consumer report under certain circumstances, such as with the written consent of the consumer. I have never provided written consent for Transunion, XXXX, XXXX, creditor in relation or any of its affiliates to report charged-off accounts on my credit report. 
Furthermore, The FCRA mandates that consumer reporting agencies and furnishers of information must ensure the accuracy and privacy of consumer information. As such, I demand the following actions be taken immediately : 1. Remove unauthorized charged-off accounts : Please provide documentation showing that I gave written consent for the reporting of each charged-off account listed on my credit report. In the event there is a charged off account, I am to be provided a 1099c and request that and if not given am permitted the accounts be removed. In the absence of such documentation, I demand that these charged-off accounts be removed from my credit report.

2. Cease and desist further reporting of charged-off accounts : I request that Transunion, XXXX, XXXX cease any further reporting of charged-off accounts without my explicit written consent. 

Failure to comply with these requests may result in a complaint filed with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as possible legal action to protect my rights under the FCRA. 

Please confirm receipt of this letter and provide a response detailing the actions taken to address my concerns within 30 days, as required by the FCRA. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX of Accounts : XXXX XXXX XXXX. ( Balance of XXXX ) XXXX Date opened : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( balance of XXXX ) Date opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX balance ) Date opened : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( balance XXXX ) Date opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  ( balance XXXX closed XXXX ) account paid in full Paid in settlement. {$320.00} written off. 
Date opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( balance of XXXX ) Date opened : XXXX XXXX, XXXX Chargeoff
Product: Debt collection

This has been going on since XXXX when i noticed the inaccurate information on my credit report. I have contacted the collection agency who advised me they can not do anything to correct this matter. As well as the original company who advised me they have new management and none of the previous employees i dealt with worked for the new company. I have contacted all three credit bureaus regarding Fair collections in and out reporting inaccurate information on my credit report. Which states that i owe them {$4400.00} for a home that I no longer lived in. I sent all three bureaus proof of my lease agreement for the prior year as well as my notice to the company that I would not be renewing my leases and i would be vacating the premises. I also sent them emails that I had with the company confirming that I would no longer be living in the home. The credit bureaus then sent me back the same lease agreement which is for the prior year XXXX. Ignoring the fact that this companies charges are all from XXXX a year that they did not have a lease agreement for also a year i was no longer living in the home. Which I sent proof of my XXXX new home lease agreement that verifies i did not live in that home for the months/year I was charged. I moved out of home XX/XX/XXXX a week earlier than I needed to. The credit bureaus have failed to remove this from my credit report after irrefutable facts were sent and they continue to verify this debt as accurate. I am being punished due to this company XXXX XXXX XXXX XXXX being sold XXXX XXXX XXXX XXXX right when my lease ended and a mistake has been made that caused me to be charged half a year for a home i was not living in nor received a deposit back for! I am at my wilts end and no one will hear me out. I do not owe this company anything I paid my last months rent submitted my 60 day notice and I moved to my new home XX/XX/XXXX, Please help me resolve this matter and getting this inaccurate collection removed from my credit report asap. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

My signature was forged on the fraudulent retail installment agreement. Communication was sent to the dealership to rebut about this fraudulent activity via USPS certified mail with proof of delivery confirmation. No response to resolve the situation was done by XXXX XXXX XXXX. A complaint XXXX was filed with the NY Attorney Generals Office and I received correspondence requesting documents to contact them on my behalf to remedy this serious situation. The dealership did not respond to the NY Attorney Generals office and I was advised to proceed with litigation. XXXX XXXX XXXX XXXX is aware, was not present at the alleged contract signing and been informed multiple times about this fraudulent account. However, knowingly and willingly are still trying to coerce me to pay an alleged debt I do not owe. XXXX XXXX XXXX XXXX has failed to prove proof or validation. Note : A copy or a consumer credit contract, agreement, or statement is not sufficient to validate debtor liability -it must also include an affidavit executed by someone with first-hand knowledge about how the debt was incurred. Account must be deleted immediately.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) - 1002.142 ( b ) ( 7 ). l have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identitication as well as the intormation requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Reporting Agencies are failing to do what is required of them. Please see attachments.
Product: Credit reporting or other personal consumer reports

I've been trying to fix my credit reporting since last year by sending legal documents to the credit bureau and yet they keep on invalidating my claim and even invalidating what the FTC instruction was telling me to do. I know my right to have an accurate reporting in compliance to FCRA. There are fraudulent inquiries in my profile that i want to remove as soon as possible. it's been months fighting for my right. Kindly remove the following as soon as possible. 

XXXX XXXX inquiry date XX/XX/23 XXXX XXXX XXXX  inquiry date XX/XX/23
Product: Debt collection

I have contacted Equifax  several times via phone online, and via first class mailings on many occasions in regard to an account that was placed in my name that did not belong to me and that I did not authorize, and I am not familiar with. I get the same results each time and I have had it, it makes it look very bad on my credit report and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have numerous accounts that does not belong to me reporting inaccurately. I have disputed and reached out to XXXX several times and they say the same thing over and over. The companies either need to send proof or validation or it needs to be removed. These accounts do not belong to me. I've done the FTC Identity theft report ( XXXX ), I've called Equifax and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated she was taking care of it only to find out she had the account set to auto review as the next representative stated in the last phone call, I haven't had any luck with this. The following accounts are what is being reported : ( XXXX XXXX ) # XXXX account number. I also want the following unauthorized inquiries from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX  XXXX removed. I have even sent copies from XXXX & XXXX showing that they deleted items that Equifax   keeps saying verified. How can they all be using the same information, but some bureaus are correcting items & the other is saying verified which is totally incorrect.
Product: Credit reporting or other personal consumer reports

As a federally protected consumer, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Transunion is not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services with XXXX XXXX XXXX XXXX XXXX '' I have multiple complaints filed and this is now considered willful violation of my Rights! 

15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;
Product: Credit reporting or other personal consumer reports

I receive updates on credit account through creditwise by XXXX XXXX. They reported potential activity recently. However, Experiaon is refusing to give me access to an online account and credit report. I am unable to see what is being reported. So I need to make this statement. Anything after XX/XX/year>, or after XXXX XXXX is unauthorized. I request a report be sent to me and that the account be blocked and any inquiries or credit account setups be removed as I have no idea what's there after XXXX XXXX and I did not authorize anything else.
Product: Credit card or prepaid card

PNC apparently has a forced arbitration XXXX sided agreement to which I was not aware of until just recently. At no time when opening the account was I advised that there was a forced arbitration agreement and that I could opt out. Nor did I sign anything acknowledging receipt of any forced arbitration agreement. Now, via PNC 's practices, it has come to my attention that PNC is aligned with politically radical groups i.eXXXX XXXX XXXX, which alignment has given rise to fraud and identity theft issues. On top of that PNC uses its political alignment to XXXX XXXXXXXX  to cause financial and other irreparable harm knowing that it has paid crooked arbiters in its pocket, which it has paid for in advance. On top of this, I am not entitled to a waiver of fees for claims asserted against PNC in any arbitration, as that is in the discretion of its hand picked arbiters. Conversely, in both federal and state court, I am entitled to a few waiver to pursue claims against PNC notwithstanding the fact that PNC 's arbitration is perfunctory at best as most arbitration agreements are XXXX sided in favor of the bank. Therefore I have no legal rights whatsoever with respect to the relationship with PNC and I am at their mercy to comply with the federal and state law which they have shown as a pattern via their XXXX XXXXXXXX alliance, that they will not comply or otherwise do so at their discretion to which i have no legal recourse whatsoever. Ironically, PNC alleges to be so concerned with being socially responsible yet at the same time taking a very radical approach to is own misconduct and forcing such into crooked arbitration engagements.
Product: Debt collection

I spoke with the XXXX and XXXX in XXXX and requested information about repayment options to be sent via email. They confirmed my email address but never sent options. Instead they called and harassed multiple family members and called multiple times in order to contact me. When I requested the other numbers be removed from my account they did not honor the request and said they must keep those numbers on file and they are in their rights to call multiple times in the day and call multiple numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am filing this complaint because XXXX, transunion and XXXX  has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. being that they have gone past the 30 day mark and can not verify these account under section 611 ( 5 ) ( a ) of the fcra -they are required to promptly delete all information which can not be verified that i have disputed. please resolve this issue immediately.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report which is enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX XXXX - XXXX - My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. UNPROVEN! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. This is being investigated by the FTC. DELETE! 

XXXX XXXX - XXXX - My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. UNPROVEN! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. This is being investigated by the FTC. DELETE!
Product: Vehicle loan or lease

I am a victim of Identity theft. Please delete or remove this item on my behalf. This item is not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Product: Credit reporting or other personal consumer reports

This notice is to inform you that you are unlawfully reporting unauthorized inquiries on my consumer reports. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. I have not initiated any transaction with these companies. Furthermore, I do not have an account as defined under 15 U.S.C. XXXXa ( XXXX ) for review or collection. Pursuant to 15 U.S.C. XXXXn ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under XXXX XXXX, imprisoned for not more than XXXX years, or both. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA XXXX ( a ) ( XXXX ) ( B ) [ 15 U.S.C. XXXX ]. 15USCXXXX  when doing your proper investigation, it MUST be accurate and complete, please attach ALL evidence showing these inquiries are mine and also attach the original contract that will prove. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that these are my inquiries. I have account with these companies. The following inquiries are listed on my consumer reports are false and inaccurate : XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXXXXXX BANK XXXX XXXX : XXXX XXXX, XXXX CONSUMER XXXX XXXX  Inquiry : XXXX XXXX, XXXX credit reports listed below with the dates attached to inquiries that does not show open accounts on these dates. I do not contact these companies by law if there is not account attached to these date and companies and there is no proof of validation give to me the consumer they must be removed immediately required by law. I am also a victim of the Equifax data breach, and I will be attaching proof of that as well