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

I am disputing the late remarks on this account because the account was opened and used fraudulently without my knowledge or consent. I believe this account was a result of identity theft, and I did not authorize any transactions or account activity. 

Account Name XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Late payment dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX Correction to my report, I demand these late payments be removed from my credit report
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX. I just received my credit report and noticed that you are reporting this account incorrectly. This Late payment history is reporting the following months inaccurate, For 2024 with Experian it shows XXXX, XXXX, XXXX, XXXX, XXXX and XXXX not paid at all But for XXXX it shows everything is paid up untill the month of XXXX and for XXXX it shows a closed account with no credit history. This is inaccurate credit report, According to the FCRA, I have the right to an accurate credit report, Please remove this Account immediately from my credit report. Please provide me copy of my new credit report reflecting this account removed upon completion thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

During this Covid-19 pandemic I have been receiving strange emails and phone calls. I believe my information was fraudulently used to try to obtain Credit Cards, Auto Loans, etc. 
These are the following Inquiries that I have noticed to be Unauthorized/Fraudulent. 

XXXX XXXX - XX/XX/20 XXXX XXXX XXXX - XX/XX/20 XXXX XXXX NA - XX/XX/20 XXXX XXXX XXXX XX/XX/20 XXXX - XX/XX/20 XXXX XXXX - XX/XX/20 XXXX XXXX XXXX - XX/XX/20 I have contacted these creditors to inform them of the issue. I was to to dispute them directly to Transunion and they will agree to remove it on good faith. 
I am requesting Transunion remove the Inquiries listed.
Product: Debt collection

I was the victim of identity theft and a loan with XXXX was taken out fraudulently in my name. I submitted the required paperwork with XXXX to initiate a fraud claim on XX/XX/2022. On XXXX XXXX, XXXX XXXXXXXX confirmed that my fraud claim was substantiated. As of today. XXXX XXXX, that claim was confirmed XXXX additional times, on XXXX XXXX and XXXX XXXX. Due to administrative error, the debt was sold to First Portfolio Ventures on XXXX XX/XX/2022. I also received a letter from First Portfolio dated XXXX XXXX. I contacted XXXX about this, and they confirmed on XXXX XXXX, both via phone call and email, that the fraud claim was substantiated and I was not responsible for the debt. Further, they stated that they had purchased the debt back from First Portfolio Ventures. On XXXX XXXX I received a letter from XXXX XXXX XXXX saying that I still owed the debt. I contacted XXXX on XXXX XXXX and was directed to forward my documentation to XXXX. I did so, however when I returned a phone call from XXXX later in the day I was told that my fraud claim had been rescinded and that I need to pay a minimum of {$3200.00} to clear the debt. I refused to do so and the agent ended the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2019 I used Transunion 's free credit reporting service to obtain a credit report. Since that time Transunion has been charging me $ XXXX monthly. I've been able to cancel my " membership '' but the damage has been done. I paid {$420.00} for a " free '' credit report a year ago. This behavior is dishonest and malicious. If there is anyway I can get my money back, that would be nice. 

Otherwise you have to stop these companies from selling something for free and hoping the victim doesn't catch their charges after they forgot. 

If I robbed someone once a month for 17 months I'd go to prison. Transunion does it you have a business.
Product: Checking or savings account

Ok first off I was never welcome into the branch managers office the first visit. I was told I could view a copy of what was acceptable but that 's it only a offer. Further more I did not go to another pnc branch that day nor any other day. This clearly shows fault into your investigation that I believe never really took place. I was very much so discriminated against even brought to tears due to your branch manager or vice president of that branchs harsh judgement and humiliation felt in front of my child. I never lost my temper inside branch location only briefly while talking over phone with your customer service rep. This has not resolved our dispute in no way since I had to read your final report here and the letter you mailed me with check for XXXX $ only said sincerely with no kind of remorse or apology. Upon reading this I want PNC to know im taking my newly found inheritance wealth of at least {$190000.00} and will use a large portion to seek council in order to not only make PNC take responsibility but also now because you blatantly right out lied on me in order to make me out to be the one in the wrong. Further more how can a XXXX 's gift card with my name on it Trump a  employee issued ID from XXXX XXXX. It cant PNC is at fault here and unless you resolve this issue very quickly in the amount no less then {$10000.00} for my daughter and I pain and suffering needlessly inflicted by your leadership members located at the XXXX branch. I will have no other choice but to continue forward with all proceedings. I hope for PNC state you take heed to my demands for this is not a threat but a promise. Today marks the day PNC thought they could mistreat abuse and under estimate a once potential customer but we 're showed in the wrong. My case is strong and my words hold truth. PNC on the other hand lies repeatedly only to deceive themselves into the snares they opened. I pray you make the right decisions and believe the words I have spoken to you on this day for my attorneys will not be as forgiven. Oh and I 'm not cashing your insult to injury {$10.00} check the envelope along with one word letter and check have been filed on my behalf to show the incompetent PNC and failed attempt at bringing this issue to a close. See you in court if I do not hear your response in a way that rings Justice has been served to my satisfaction. Oh and the branch manager you blindly place trust in should not be allowed to work in such a position to place judgements on people making their life burden while that person is dealing with the loss of a love one. Thank you very much.
Product: Prepaid card

PayPower has failed to provide credit. Case number XXXX states that Pay Power is waiting for proof of purchase, submitted proof of purchase along with this statement. Create a dispute on XXXX and still no resolution and it is XXXX. Pay Power card number is **************** exp date ; XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX garnished my wages through the XXXX municipal court and released wage garnishment on XX/XX/2021 in the amount of {$1200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXX XXXXXXXX Balance : {$800.00} XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$550.00} XXXX XXXXXXXX XXXX Balance : {$540.00} XXXX XXXXXXXX Balance : {$550.00} XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX
Product: Debt collection

I have received 19 calls from number XXXX XXXX XXXX from XXXX XXXX, they have made threats of 'legal ' action against me & said I owed XXXX XXXX dollar ( my number is XXXX XXXX XXXX ). I have a land line phone number of XXXX XXXX XXXX & they now call both phones, this number they call numerous times a day as many as 5 or 6 times. 
I am looking for a job to this is very stressful when I think it's for a potential job & it's them, harassing me. XXXX XXXX XXXX
Product: Student loan

I received a notice Navient has put interest on my student loans when interest is suspended until XX/XX/2020. My balance went up when I received the notice on XXXX. They haven't suspended the interest on my loans. They have charged XXXX.
Product: Credit reporting or other personal consumer reports

I noticed Credit Karma has added soft inquiries to my credit report for months without my knowledge. I have nothing to do with this company and never have. They have an old email I no longer have since I deleted it a year ago. If it is possible, please remove them from my credit report.
Product: Debt collection

On XXXX XXXX XXXX  I received an EMAIL from Credencecerm.com stating they previously sent me a letter regarding a delinquent balance due for XXXX, XXXX. I do not have any knowledge of this company, nor do they have permission to infringe on my privacy by contacting me by way of an email address that I may or may not monitor. 

I replied to their email as follows : Credence Resource Management , LLC You do NOT have my permission to contact me via email. This is an infringement on my right to privacy as I have no agreement with or obligation to you. 

This is to inform you that I dispute the entirety of the validity of the alleged debt and to inform you to cease and desist all contact with me ( including spouse and family members ) from all media sources other than the US Postal Services and that is if, and only if, it is : - To provide documents to validate the alleged debt. Include all official, certified, unredacted forward flow documents and alleged original creditor information. 

- To provide proof that I have any legal obligation to pay you. 

- To inform me that you have XXXX this alleged debt and disassociated it from me. 

- To inform me that you have removed all references to the account from all credit reporting agencies and that you have informed them to delete same. 

- To inform me that you have complied with this cease and desist and that you will not sell this account to another debt collector. 

- To inform me that you have issued the settled civil and/or statutory financial remedy that is to be determined. 

I will also grant them permission to contact me, via USPS to inform me that my XXXX services have been completely restored. 

Please note : On XX/XX/XXXX I filed complaint # XXXX against XXXX for false statements or representation. I also contacted them and was on the phone with their reps for more than an hour waiting to speak to someone in management, at which point I was informed I would get a return phone call within 24 to 48 hours ; its been months and I have not heard from anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with, and under the protection of the ( fcra ) FAIR CREDIT REPORTING ACT. I ask for the complete investigation, verification, and subsequent removal of any and all inaccurate, incomplete, and or unverifiable accounts being reported by credit bureaus. These laws sited insist privacy, permission, accuracy, fairness, and complete investigation before reporting any information and alleged accounts. 15 U.S.C 1681sec 602a, 604a sec 2, 1681i ( f ) ( 3 ) ,1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 1 ) ( B ), 1681i ( a ) ( 1 ) ( C ), 1681i ( a ) ( 2 ), and 1681i ( a ) ( 3 ). These are the accounts in question. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

XX/XX/XXXX - someone applied for a credit card. I received a call from someone named XXXX with XXXX stating someone is trying to apply for a credit card under my name and he wanted to verify if I made the transaction. I informed XXXX that I did not make any transactions. 

I will be reaching out to XXXX and XXXX to dispute this case. 

The name of the credit card inquiry that shows on my credit report is TD Bank USA/Target .
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX from Quicken Loans called my husband XXXX to offer a refinance offer with a better rate that could potentially save him money. XXXX explained that he was not able to move forward with any part of the process until he was able to speak to his wife, XXXX. XXXX set up a phone call so all parties could discuss the details of this offer. This call did not occur because I, the wife, did not agree with refinancing at this time given that we had recently refinanced with Quicken Loans in XX/XX/XXXX. On Saturday XX/XX/XXXX I ( XXXX ) received a notification that I had received a hard inquiry on my credit report. After inquiring about this, it was identified that this hard pull was completed by XXXX XXXX XXXX XXXX for Quicken Loans. XXXX and I called XXXX to question why he had run my ( XXXX ) credit without my verbal or written consent. He was not able to speak due to technical difficulties at the time but said he would have his supervisor call us soon. The supervisor did call eventually but we had already reached out to XXXX, associate resolution advocate for Quicken Loans to explain. XXXX set out to investigate. She called back on Wednesday to tell us that the hard inquiry could not be reversed because in the initial conversation, XXXX was asked to give his dob in order to pull the report, which XXXX did not comprehend to be our credit reports. So XXXX did provide his dob but clearly stated that he is not moving forward with this process until his wife XXXX is informed. XXXX asked XXXX to speak to management in the hopes to appeal this decision. A senior management advocate called back and basically explained that nothing can be done. XXXX referenced the Fair Credit Reporting Act which should not allow access to a consumer 's credit information unless the individual him or herself gives written permission, or unless this is a court ordered issue. Additionally, a permissible purpose for making a consumer report for a spouse that is not involved in the conversation, should prohibit the creditor from requesting information on that spouse. I also asked if a copy of that recorded conversation could be shared or if she could provide me with something in writing that states that the hard inquiry could not be reversed and why, but the answer to both those questions was no, they are not able to provide such requests. I ask that the hard inquiry be reversed. My husband did not understand that by giving his dob verbally by phone, my credit report would be pulled and negatively affected. This is not only poor practice, this is to me a violation of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, North Carolina XXXX Phone : ( XXXX ) XXXX XX/XX/2023 To Whom It May Concern, I, XXXX XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. I have no supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

The amount ( s ) owed are no longer outstanding for the following items : Name of the Account : XXXX XXXX  Account number as is presented : XXXX Amount : {$790.00} Name of the Account : XXXX XXXX Account number as is presented : XXXX Amount : {$530.00} Name of the Account : XXXX XXXX XXXX Account number as is presented : XXXX Amount : {$82.00} Name of the Account : XXXX XXXX XXXX XXXX  Account number as is presented : XXXX Amount : {$1000.00} Name of the Account : XXXX XXXX XXXX Account number as is presented : XXXX Amount : {$790.00} Name of the Account : XXXX XXXX XXXX Account number as is presented : XXXX Amount : {$300.00} I am disputing this claim due to whom this may concern, I am writing to dispute my recent credit report. I am not sure how my personal information ended up on the report, but I do not recognize any of the information listed. I have never done anything illegal, and I am not in any financial trouble.

I request that you remove my personal information from the report and update it to reflect my current information. I would also like to be notified of any changes to my credit score because of this dispute. 


This is my official request to have the aforementioned item to be deleted off my credit report. 
Enclosed may be additional evidence to support my claim. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Dear Cash App Support Team, I am writing to formally dispute the handling of a recent issue involving an unauthorized transaction on my account and to express my dissatisfaction with your refund process. 

On numerous dates, I noticed that a transactions was made without my authorization. I immediately attempted to resolve the issue through your refund process, but I encountered significant challenges that ultimately prevented me from recovering my funds. Specifically : 1. The refund process was inadequate and did not provide a clear or effective method to address unauthorized transactions. 
2. There was no option to contact a live agent for immediate assistance, which would have been critical in resolving this matter promptly. 

As a result of these shortcomings, I have suffered a significant financial loss that could have been avoided with proper support and safeguards in place. I believe that Cash App, as a financial service provider, has a responsibility to ensure secure transactions and provide accessible, real-time customer support for situations like this. 

I am requesting the following actions : 1. A full review all past unauthorized transactions 2. A refund of the lost funds as this transaction was unauthorized. 
3. Improvements to your customer support process, including the availability of live agents, to better assist users in resolving urgent issues. 

This situation has caused me considerable stress and financial hardship, and I trust that Cash App will take immediate steps to resolve it. 

Thank you for your attention to this issue. I look forward to a prompt resolution. 

Sincerely, A valuable cash app user.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 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. 

The following items need to be removed and blocked as they are fraudulent. 

1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 


2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Delete this account. 


3. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 


4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX XXXX XXXX  Delete this account. 


5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Delete this account. 


6. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 


7. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX XXXX XXXX XXXX  Delete this account. 


8. there is some inaccurate information reportingXXXX XXXX XXXX XXXX XXXX XXXX  Delete this account. 


9. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 


10. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 


11. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX  Delete this account. 


12. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19 I disputed the XXXX XXXX account with Transunion. Transunion stated that the account is valid. I reached out to XXXX XXXX and they were unable to provide me with validation of the debt. If XXXX XXXX could not provide me with the documentation how did they provide it to Transunion? Clearly they didnt. 

I then requested the method of verification from Transunion. That I have not received. 

Transunion is still reporting this account and it have not been validated.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account is not transferred to another lender, I never made a late payment on the accounts ever. I am current on all of my payments on this account.. Not to mention, they will not give me an explanation as to why they won't fix this erroneous inaccurate claim that has greatly affected my credit score. CFPB step up, reverse the late payments. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 has violated my rights. 



15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

XXXX XXXX this late payment is incorrect, I always made on time payments for this account. the record shows I have a clean history with chase for the past 6 and a half years, and there is this one late payment that should be cleared from my account from back in XXXX.