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

I've contacted the credit reporting agencies via phone and mail to resolve the issue. Discharged accounts are still being reported on my credit report. Per IRS once the accounts have entered charge-off status and filed as discharged debt, it is now taxable income. INCOME CAN NOT BE REPORTED ON A CONSUMER PROFILE AS DEBT. There is a1099c form and the income is being filed on my taxes. 

In accordance with 15 USC 1681-E ( B ) each bureau has the responsibility of reporting maximum accuracy. 

This inaccurate information being reported to my credit profile is severely impacting my credit.
Product: Checking or savings account

It started on XX/XX/XXXX and XXXX my account was double charged of {$47.00} by XXXX credit. I disputed the transaction because I only suppose to pay once a month {$47.00} XXXX. Now I decided to do bill pay to pay the {$47.00} XXXX XXXX credit on XX/XX/XXXX which is the payment obligation. 

Now with XXXX XXXX XXXX I only suppose to pay {$10.00} a month and tried to do it by bill pay and it was returned. I called the manager of the call center PNC Bank name XXXX and I explained to her that I paid by XXXX and put the money in the reserve account and she acted very rudely. Even though I put the money to cover the payment on the other account which is the reserve account PNC returned the 4payment on XX/XX/2023. So I made a payment from another account which it was paid. Now I see that PNC has a pending transaction from the return payment on XX/XX/2023, which I already paid. I will be disputing that charge because I already paid it. I changed bill pay from reserve account to regular checking account. 

I find it difficult to communicate with PNC after speaking with the manager XXXX at PNC.
Product: Credit reporting or other personal consumer reports

I see there was an inquiry on my credit reports. What was the reasoning behind my credit being pulled by your company?
Product: Credit reporting or other personal consumer reports

Fraudulent charges were made to the following accounts. The statue allows for multiple reinvestigation. Account name XXXX XXXX XXXX  XXXX Account number XXXX Account name XXXX XXXX XXXX  XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXXXXXX XXXX XXXX XXXX Account number Last XXXX XXXX Account name XXXX XXXX XXXXXXXX XXXX XXXX Account number Last four XXXX Account name XXXX XXXX XXXX Account number XXXX, XXXX Account number XXXX The following inquiries are fraudulent : XXXX XXXX XXXXXX/XX/2023 XXXXXXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/2023
Product: Credit reporting or other personal consumer reports

I have disputed this account a few times with each credit bureau and each time they all reply within a credit report stating that this account with XXXX XXXX has been verified as accurate and updated. 
Debt Validation Request under 15 U.S.C. 1692g ( FDCPA ) Verification Request : Under my rights under 15 U.S.C. 1692g, I am requesting that you provide the following information : 1. The Amount of the Debt : A detailed accounting of the debt, including the principal, interest, fees, and any other charges that have been applied.

2. The Name of the Creditor to Whom the Debt is Currently Owed : Including the name and address of the original creditor if different from the current creditor.

3. Verification of the Debt : A copy of the judgment ( if applicable ) or other documents showing that I am indeed legally obligated to pay this debt.

4. Proof of Your Legal Right to Collect the Debt : Documentation that you are authorized to collect this debt on behalf of the creditor.

5. Complete Payment History : Showing how the amount claimed was calculated and all transactions related to the debt.

According to the Fair Credit Reporting Act ( FCRA ), specifically sections 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ), and 623 ( a ) ( 2 ) ( 15 U.S.C. 1681s-2 ( a ) ( 2 ) ), information furnished to consumer reporting agencies must be accurate and complete. A charge-off should not be reported each month as a new charge-off ; instead, the status should reflect the original charge-off date and not be reported repeatedly as if it were a new event. 
The actions being taken each month affect my credit score, credit report, and creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

this is not a duplicate request. 

on XX/XX/18 I received notice from Experian that I would need to produce additional information to prove that the chapter XXXX bankruptcy being reported was a result of identity theft, they also stated that all accounts that were previously being reported as apart of bankruptcy have been blocked due to my submission of all required documents including police and FTC reports showing I was a victim of ID theft, they then went on to say that it is not typical for bankruptcies and child support to be a result of ID theft. I have had the creditors included in this bankruptcy to perform investigation and they have concluded that the accounts were not mine or created by me but the bankruptcy that these creditors reported under are still reporting. Experian ask me to submit additional information. I have attached the investigation results from 2 of the creditors that were being reported under this bankruptcy on my XX/XX/XXXX credit report also i have included the letter from the courts which i presented my ID to get this information being reported, but was told there is none under my name and SSN #, and my police and FTC report, this is all I have that can prove that this is not my bankruptcy, please remove this case from my name as it continues to damage me. I have also included correspondence that I received from the " furnisher '' with them ( XXXX XXXX ) denying they have shared my information and that due to the ID theft it is still protected under suppression.
Product: Credit reporting, credit repair services, or other personal consumer reports

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE USED MY PERSONAL INFORMATION TO FRAUDULENTLY OPEN ACCOUNTS IN MY NAME. I HAVE SENT THIS INFORMATION TO XXXX BUT THEY CONTINUE TO SAY THEY DIDNT RECEIVE IT. SO THEY FAILED TO DO A PROPER INVESTIGATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

Both equifax and XXXX are reporting inaccurate account balances
Product: Money transfer, virtual currency, or money service

On XX/XX/18 to a MoneyGram location to send {$300.00} to a recipient in XXXX. I provided all identification for verification required and paid any required fees in addition to the {$300.00} in cash. According to the service advertised and selected, the money was going to be available in 10 minutes the same day ( XX/XX/18 ). 

When the recipient went to pick-up the money the next day ( XX/XX/18 ), he was told he does not have the correct reference number. surprised, I then sent him a picture of the receipt which bared the same reference number. The recipient went back on XX/XX/18 to pick-up the money and was told that in fact the reference number was correct ; however, MoneyGram has blocked the disbursement. I called MoneyGram customer service the same day to inquire on why the money was not available as promised, and was taken through a lengthy ( and abusive ) verification on the phone without providing me an answer on the were about of my money. 

I ultimately ended the phone call, went to the store, and cancelled the transaction for a refund on XX/XX/18.
Product: Credit reporting or other personal consumer reports

I have documentation proof that Equifax provided other bank lenders inaccurate information as it pertains on a credit reference. But the problem still remains until they decide to remedy the situation. Another issue is that its been over 60 days in waiting for a status. Recently I mailed a written personal disputes letter in accordance with FCRA addressed to Equifax Disclosure Department. Their response was for me to identify credentials to them via mail as proof even though the letter identified w/my credit report digit XXXX.
Product: Credit reporting or other personal consumer reports

Since I never gave permission for these false accounts to be included on my credit report, I humbly ask that they be removed. You must take immediate action to delete this false information from my files. Please remove and block.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans union is still reporting my XXXX XXXX account as late. The bank agreed to remove this MONTHS AGO! Trans Union is also reporting my student loans inaccurately but now I know for 100 % certainty they aren't even investigating anything at all. This is a joke. People are struggling more than ever and you people are making everything much harder than it needs to be. They aren't even checking to see if the information is accurate making the dispute process meaningless.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX/Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below the account that are reporting on my Credit Reports : Account ; XXXX XXXX XXXX XXXX Opened XX/XX/2018 Balance {$19000.00}.
Product: Debt collection

XXXX party debt collector, calling for Calvary Portfolio which is also another debt collector that purchased an old debt that the statute of limitiation has expired. I called them and told them to stop calling. The individual was very rude and argued with me that the debt was still good. Also stated that they would continue to contact and call me. The debt that Calvary purchased has been added as a derogatory debt on my credit report.
Product: Checking or savings account

Santander Bank took the opening deposit which was funded using a credit card on 9 accounts ( which were opened over the last 6 months ) between XX/XX/XXXX - XXXX. Each account had {$500.00} taken from it, which forced some accounts to go into a negative balance. I have received letters and phone calls from there collections department. However, I was never refunded the money on the credit card which had the opening deposit taken from it. 

If they are forcing the accounts to be negative, my credit card should have received refunds this occurred over 2 weeks ago. The bank refuses to talk to me unless I go in branch. When my husband did this, they wouldn't provide him with any information and told him to follow-up the next day. When he did they told him he had to go back to the branch. 

I am requesting the funds be sent to me immediately, any fees associated with being overdrafted, all accounts being closed, and additional money sent to me via check at the address on file. 

I was never notified that there was a limit to the number of accounts I could open or that I should not open up any new accounts. If they would have reached out to me I would have no problem not opening up any additional accounts. 

I have attached the 6 documents I received today that state my accounts are negative. There is additional documents I can not access due to having my accounts blocked
Product: Credit reporting, credit repair services, or other personal consumer reports

i am i victim of identity theft. I went to apply at XXXX XXXX XXXX XXXX  on XX/XX/XXXX and I was denied due to negative accounts ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ) and to make my day worst they do not belong to me. I never authorized these accounts being opened under my personal information. My personal information was stolen on XX/XX/XXXX and they took my drivers license and social security card along with other personal belongings. I filed a police report already with XXXX XXXX Police, no arrest have been made but the investigation is still ongoing. I never received any money, goods, services or benefits of any sort from these accounts being opened under my name. I need these accounts blocked from my credit because they are a direct result of identity theft. All statements in this narrative are true and correct without any omission of facts to the best of my knowledge.
Product: Debt collection

XX/XX/21 - Insisted they have been trying to get in contact with me when i personally never received a call from them. The called my place of work, my father-in-law and mother and father. Instead of contacting me personally.
Product: Debt collection

Have been receiving phone calls and now collection letters about a unpaid Best Buy account over 10 years old. Calls saying they will garnish our pay or that were are going to be served papers to be taken to court.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

I am filing this FTC Identity Theft Adavit to report fraudulent accounts appearing on my consumer credit report, which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a credit card opened at XXXXXXXX XXXX XXXX XXXXXXXX XXXX on XXXX under account number XXXX, a credit card opened at XXXX XXXX XXXX XXXX  on XXXX under account number XXXX, a charge account opened at XXXX XXXX XXXX on XXXX under account number XXXX, and a credit card opened at XXXX XXXX XXXX XXXX on XXXX under account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA. 

All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Debt collection

Credit corp solutions have repeatedly called me for months on a debt they purchased from a credit card company. I hit hard times and have two cards I defaulted on. I asked them to stop calling me and they have not. I will have the money to settle the accounts soon and when I do I will absolutely pay it, but currently I do not have the expendable income and now they are calling me at work. I work for a company that they have to call the front desk and be connected to me and they are making me look bad at a job I have had for XXXX years where I am trying to move up the ladder so I no longer have issues like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, there are 4 accounts showing on my credit report are not mine
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 

XXXX XXXX Balance : {$6500.00} ; XXXX XXXXXXXX Balance : {$4300.00} ; XXXX XXXXXXXX Balance : {$6200.00} ; XXXX XXXX Balance : {$6200.00} ; XXXX XXXXXXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted back towards the end of XX/XX/2020 early XX/XX/2020 a Identity theft affidavit ( # XXXX ) ( to XXXX, XXXX, and XXXX  who was also included along with the affidavit ; a copy of my drivers license, social security card, and a recent copy of a utility bill. The Affidavit included specific detailed information relating to fraud related accounts due to identity theft which were XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX, XXXX XXXX # XXXX, and XXXX. XXXX and XXXX both failed to adhere to section 605b of blocking fraudulent information after being notified within 4 business days by a consumer. In addition XXXX  failed to investigate my dispute by responding with report # XXXX for XX/XX/20 stating they are declining my request and would require a copy of an identity theft report, drivers license, and social security card which is THE SAME INFORMATION THAT I SENT TO XXXX   WITH BOTH OF MY INITAL DISPUTES. This clearly violates section 609 and 611 of the Fair Credit Reporting Act and is a deliberate refusal to honor my request. Yet it has beyond 30 days and these fraudulent accounts still remain on my credit file which is against the FCRA guidelines. Due to the numerous violations these fraudulent related accounts should be removed immediately from my credit report from collectors as well as the bureaus.
Product: Credit reporting or other personal consumer reports

please check the information concerning the XXXX data breach below in the attachments. Also, Experian did not accurately investigate my disputes which I submitted in XXXX. I have also submitted these same disputes to XXXX.
Product: Credit reporting

Address added to my credit report XXXX XXXX, GA XXXX is NOT my address, this is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act convergent XXXX XXXX account # XXXX and XXXXXXXX XXXX account # XXXX, 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
Product: Credit card or prepaid card

My CC account was recently closed without any prior notification. I only learned about it when I received a letter stating it was to be closed. I immediately called customer service and was only told nothing could be done other than apply for a new account. Now, if I were to apply for a new account it affects my credit score ; if I allow you to close my account it affects my credit score based upon available credit. 

My husband and I both have 800+ credit scores, I would think I am the client Capital One would wish to keep and there has to be a way to re-open an account that I did not request be closed. Had I received a notification that I needed to use the card to maintain the account, I could have easily done so..that wasn't communicate that. 

I was only provided a fax number to send my compliant to, which I did several weeks ago with no response.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This loan does not belong to me it was taken out in someone elses name. And Equifax has chosen to reage the account as you can see below. 

DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Account Number : XXXX Status : 120+ DAYS PAST DUE Account Owner : Individual Account. High Credit :  {$3500.00} Type of Account An installment loan has a fixed number of payments and the same payment due each month, such as a car loan or student loan. : Installment Credit Limit : Term Duration : 128 Months Terms Frequency : Monthly ( due every month ) Date Opened : XX/XX/XXXX Balance : {$0.00} Date Reported : XX/XX/XXXX Amount Past Due : Date of Last Payment : Actual Payment Amount : {$0.00} Scheduled Payment Amount : {$0.00} Date of Last Activity : N/A Date Major Delinquency First Reported : Months Reviewed : 48 Creditor Classification : Activity Designator : N/A Charge Off Amount : Deferred Payment Start Date : Balloon Payment Amount : Balloon Payment Date : Date Closed : XX/XX/XXXX Type of Loan : Education Loan Date of First Delinquency : XX/XX/XXXX Comments : Consumer disputes - reinvestigation in progress 81-Month Payment History Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX NR NR NR NR 120 XXXX NR NR NR NR NR NR NR NR NR NR NR NR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NR NR NR NR XXXX NR * * * * NR * * * 90 XXXX XXXX XXXX NR NR NR NR NR XXXX XXXX XXXX 90 120 150 NR XXXX NR NR NR NR NR NR NR NR NR NR NR NR XXXX NR NR NR NR NR NR NR NR NR NR NR NR XXXX NR NR NR NR
Product: Consumer Loan

I have a XXXX-Cash call-XXXX loan. I obtained this loan in XXXX 2012. I pay {$480.00} a month. It was a {$5000.00} loan. After XXXX I have paid in & gt ; {$8000.00}. I thought it was a XXXX month loan at 100 % interest ( I was desperate at the time ). I called to check my pay off and was informed the pay off was about {$5300.00} at 116 % interest and 100 % daily interest with a XXXX month loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a loan today XX/XX/2020 and I did not qualify because apparently there are accounts reflecting badly on my credit report. None of those accounts belong to me and I never allowed anyone to open them in my name. I have no idea who opened these accounts on my behalf without my permission but I have already filed a police report. I did not gain anything from these accounts that were opened in my name without my permission nor did I ever make any payments towards these unauthorized accounts. I do not have any written/verbal contracts with any of these companies.