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

I am writing to formally request the immediate blocking and deletion of specific accounts and inquiries from my credit report, as I am a victim of a data breach and identity theft. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have unauthorized or fraudulent information removed from my credit file to ensure its accuracy. 
Please remove the following accounts from my credit file : XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$1800.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$2900.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$610.00} Additionally, please remove the following unauthorized inquiries from my credit file : XXXX. XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of Inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.
Product: Debt collection

Ive asked on several times for validation of this debt. And never received anything from this company that validate this debt belong to me.
Product: Checking or savings account

I got charged {$380.00} yesterday for a closed subscription with XXXX XXXX XXXX via XXXX that I cancelled back on XX/XX/2023. They charged my account twice. The first time on XX/XX/XXXX and again yesterday. The charge has posted on my bank account without my permission. I have contacted the merchant, they acknowledged that they cancelled the subscription on XX/XX/2023. I contacted XXXX customer service via email and phone the agent lied to me and stated that once the payment went from pending to posted on my bank account, Ill receive a refund. I havent received a refund yet. PNC bank customer service is investigating the matter, but hasnt reimbursed me.
Product: Money transfer, virtual currency, or money service

I questioned a charge on PayPal- I later contacted PayPal 5 times including today - the bank credit card advised PayPal twice - PayPal is refusing to close my account - stating the charge is pendingwhich is NOT accurate. Please help me. This has been going on for almost a month. I had to pay the vendor personally-
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, I became a victim of identity theft. Someone attempted to file a claim for unemployment. I was notified by my employer that this happened. I was provided information to take the necessary steps to protect my personal information by placing fraud alerts on all XXXX of my credit reports. 2 of the alerts expired in XXXX of XXXX and one expires in XX/XX/XXXX. 
Over the course of the last year, there have been multiple inquiries on my credit report. I have been only contacted once to confirm that it was in fact me applying for credit or financing. That call to me was made in XXXX of XXXX by XXXX XXXX XXXX XXXX when I purchased a new vehicle. Other than that none of the credit bureaus have contacted me. I called XXXX this morning because I received an email from one of my creditors that XXXX mistakenly check my credit for a XXXX which caused a hard inquiry on my credit report. It was removed once it was discovered. I then went to look at my credit reports to make sure that there were no other mistakes showing up. There are a number of inquiries on my credit report. My credit report is supposed to be frozen and there is a fraud alert that is valid until XX/XX/XXXX. I called XXXX and the Rep that I spoke to could not explain why anyone was given access to my credit report without confirming that it was in fact me and how anyone was getting access to my report when it is frozen. The Rep agreed that someone should be calling me to confirm my identity but could not explain why that never happened. She then advised that I had to submit a dispute in writing to have it investigated. I can not understand how XXXX and the other bureaus see an alert and/or freeze and continue to not honor it and why I have to take these steps when access should have never been given without my consent, to begin with. XXXX also checked my credit without my permission and removed the inquiry but I was told that can not be done in this situation. It is unacceptable. The freeze and the alerts are supposed to protect me and stop people from accessing my personal information.
Product: Checking or savings account

Someone hacked it my NFCU account and transferred money to a unknown person and I have been without a account for 2 months.. I called today and they said they had no information.. But they have all the info.. wait times to talk to rep is very o g an 3 out of 5 customer rep. Is very rude.. Im behind waiting fir them to clear up my account also they took XXXX $ XXXX  during the wait
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Credit bureau is my problem. They removed my credit score because I was reported deceased on my oldest account. My grandmother and I had the same first and last name and she passed away 11 months ago. Somehow, our profiles were connected. My credit card company XXXX XXXX  XXXX ) and I have filed over six disputes. I still can not see my credit score. Ive called over 100 times, literally since XXXX only for the problem to continue. Even after Equifax has been notified and aware of the error, 2 accounts was added in error which I had to dispute in order to have it removed. My oldest XXXX  XXXX card has been added back to my report but still showing closed. Removing that account deleted over 5 years of excellent payment history. It damaged the score I did have prior to the score being completely removed. I work so hard to come thus far only to have this happen. I just want to see my credit score which I have not been able to do since XX/XX/2021. I keep being told to just wait 30 to 45 days when following up. Today I was told that I needed to purchase a subscription with Equifax to see my FREE credit score. I did purchase it on myequifax.com and I still cant see my credit score. I am getting completed dispute letters saying my report is being updated but I still cant see the changes or my score. Why is this happening to me? I keep asking for a US representative when I call but keep getting foreign representatives who dont understand me. This has been the most emotional, hurtful, stressful and disheartening experience Ive ever had. I understand mistakes are made but its been months. I just want someone to help me. It has been extremely difficult to keep telling representative, after representative, after representative .... that my grandmother is no longer here. This is a consistent reminder of the pain I feel in her absence. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX TransUnion XXXX XXXX Account XXXX : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Charge account Charge account - Bureau Code : Individual Individual Individual Account Status : Paid Paid Paid Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$210.00} {$210.00} {$100.00} XXXX XXXX : {$100.00} {$100.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Canceled by XXXX XXXX Account has been closed due to inactivity. 
Closed or paid account/zero balance Accounts closed by XXXX XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT DATE
Product: Credit card

Please review the attached documents. I am asking the bureau to commence an investigation into these accounts, as I am never late, yet they inaccurately report me as such.
Product: Debt collection

Breaking the law i told them contact pso.i.currently have a account i have told them to validate with PSO and remove off my credit report immediately after this i will be taken to litigation
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking through my credit report and I noticed that there are a few addresses where I've never resided. My actual address is listed below and a great portion of the negative accounts I do not recognize as being mine. I haven't received any of these debts at my current address, therefore I conclude the debts to be fraud as it pertains to me. The addresses I see on my credit report are as follows ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX
Product: Credit card

So the credit card company not only jumped up to 32 % almost 33 % interest despite my very good payment history, but now I owe them less than {$5.00} on my account. But if I dont make the minimum payment within the due date they charge me {$40.00}. Okay, but the interest they are charging occurs on the next billing cycle. So even if I pay the minimum payment, i'm going to owe another $ XXXX {$2.00} on the next billing statement no matter what. The only option I have is to pay the amount and they wont accept payment of over 10 % more than the amount shown. Now, since my bank account is negative I have to purchase money orders and get mail signatures to make sure the letter is arriving ( because the other company takes 20+ days to receive mail just a few states over ) So now Capital One is going to be making aquisition to aquire certain monies and debt from XXXX, I feel that these banking practices are deceiving and plummiting me into further financial harm. This is similar to XXXXXXXX XXXX charging practices.
Product: Credit card

I applied for a MileagePlus Explorer card from Chase in XXXX of 2015. The offer agreement contained a {$50.00} statement credit for first purchase with the card ( after up to 8 weeks or more ). After 8 weeks from the first statement closing, Chase refused to honor the agreement for the {$50.00} statement credit, and said that their system indicated I had not applied through the correct path. However, the {$50.00} statement credit was in my original offer and should be honored.
Product: Mortgage

I have had a mortgage with XXXX XXXX for over XXXX yrs. and now my loan has been transferred to SSL ( Specialized Loan Servicing ) which I am VERY, VERY unhappy about. I have been on XXXX XXXX 's bi monthly program for the past 13+ years which saves me significant interest over the life of the loan. But SSL does not offer a bi monthly payment service and so now this change ( that I had no control over ) is going to cost me significantly more over the life of the loan and this is NOT what was agreed upon with my loan officer when I got the mortgage with XXXX XXXX. 
Is there anything that can be done?
Product: Prepaid card

XX/XX/2024 called Amex several times and it directed me to automatic responses. No one could help. Just told me to try another merchant XX/XX/2024 tried to make purchases using the card so many times that it locked me out of my XXXX account. 
This is a card should be accepted and it is frustrating to not be able to get into contact with ANYONE. This is distressing. I am trying to buy a birthday gift for someone and need this card to purchase items for my wedding!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$92000.00}, and XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$98000.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 
CHAPTERXXXXBANKRUPTCYDISCHARGEDXXXX XXXX {$2800.00} XXXX {$740.00} XXXX {$2000.00} XXXX {$2800.00} XXXX {$2000.00} XXXX {$960.00} XXXX {$1300.00} XXXX {$2000.00} XXXX {$1300.00} XXXX {$1500.00} XXXX {$2200.00} XXXX {$790.00} XXXX {$460.00} XXXX {$1100.00}
Product: Credit card or prepaid card

I was charged double by a Bank of America merchant in XX/XX/XXXX- XXXX XXXX. I paid the disputed amount in good faith until XX/XX/XXXX. XXXX XXXX never credit my account, Bank of America finally credited the disputed amount in XXXX of XXXX. I started subtracting the disputed amount in XX/XX/XXXX along with interest charge. I continued to pay my current month charges in full and was charged more interest each month and continued to deduct the additional interest charges along with the disputed amount. Bank of America has refused to credit my account for the interest which now amounts to over {$400.00}. They state that only the interest that is related to the duplicate charge is refunded not the interest on the monthly charges THAT ACCRUED DUE TO THE DISPUTED AMOUNT NOT BEING CREDITED. if the original disputed amount had been credited in the first place there would have been no interest charges since I pay off my balance IN FULL each month. I have called repeatedly and they tell me that they will review and never bother to notify me of the determination and in the meantime interest continues to pile up. This can not be legal. I plan to file in small claims court because today when I called once again, they finally told me that there is no way they are crediting the interest due to me. They have all the records and notes on the calls I have been making to them since XXXX of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX a dispute letter was sent on my behalf to XXXX XXXX  XXXX, and the three major credit bureaus ( XXXX, XXXX, Experian ) with the intention of opening an investigation hoping to be provided with some form of written agreement stating that this account in fact belongs to me. As this account opened in XXXX of 2018 with a credit limit of XXXX , appears on my credit file as a charge-off. I have no knowledge of this account, and after the conclusion of the investigation no proof was provided to me proving otherwise although my account has been updated. It is my understanding that if proof can not be provided, the account should not and can not be reported according to the law on my credit file.
Product: Debt collection

To whom it may concern, I am writing to you regarding file # XXXX. I have received a notice from P & B LLC claiming that I owe them a debt. However, I demand that P & B LLC validate this debt under the Fair Debt Collection Practices Act. 

As a responsible citizen, it is my right to ensure the validity and accuracy of all my debts. Therefore, I request that P & B LLC provide me with all the necessary information to verify this debt, including the amount owed, the original creditor, and any other relevant details. 

Furthermore, I demand that P & B LLC immediately cease all collection activities until they have validated this debt. Per the Fair Debt Collection Practices Act, I understand that collection activities can only continue once the debt has been validated. 

I expect your prompt and respectful attention to this matter. 

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

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$12000.00} ; XXXX XXXX XXXX Balance : {$3300.00} ; XXXX  XXXX XXXX Balance : {$0.00}.
Product: Credit card or prepaid card

Barclaycard reviewed my credit report without my consent and lowered my credit limit. They did not give me notice of this and did not inform me of the change. I only found out when I went to pay my balance in full. I called them and they said that I had too many inquiries. 75 % of my inquiries are related to obtaining car loans and they were all pulled on the same day. These should only count as 1 when looking at credit report. I have asked them to increase it again and they told me the only way they could would be to do a hard credit pull which would add another inquiry to my credit report. They were not helpful.
Product: Debt collection

XXXX XXXX XXXX, XXXX is attempting to collect an incorrect debt amount by XXXX  and XXXX. The agency bought a debt from Citizens Bank
Product: Credit reporting, credit repair services, or other personal consumer reports

ChexSystems has been repeatedly contacted. I have sent in every piece of documentation, proof, contacted them by phone, contacted them by mail, contacted them online. Without resolution. I am a victim of ID Theft. I am requesting them to block the incorrectly reported inquiries. I have sent in a FTC Affidavit. Per the LAW this goes directly to my local police department. This was Sent to XXXX PD. They are aware of this document and have taken the report number down. ChexSystems still continues to deny my identity theft claims, and simply states they do not have to block any information unless i provide them a law enforcement document that is " signed '' This FTC Report is signed. I will provide the additional detail of what i have discovered on my ChexSystems report. First of all ChexSystems has wrong address ( s ) on file. XXXX XXXX XXXX, XXXX TX XXXX, XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. This is just to name a few. They also have three names listed XXXX XXXX, XXXX XXXX XXXX. These two names are not my correct names i want these blocked and deleted as well. I want the addresses listed above taken care of as well. This has gone on long enough, there inquiries are not permissible. I did not grant any bank any permission to open or attempt to open checking accounts. These applications were all submitted online as i am starting to figure out from the companies themselves. Not only that these are DUPLICATING. With a security freeze on file legally no one should be able to check my ChexSystems. YET Chexsystems is abusing FCRA and allowing inquiries to go through. I want all of these inquiries blocked. 

These inquiries include multiple inquiries from XXXX XXXX, XXXX, XXXX, XXXX Texas, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Not only are these Duplicated they are almost triple and quadruple. These are all fraudulent. I did not grant permission to any of these institutions to apply for checking and or savings accounts or any other product for that matter. My wallet was stolen and my identity was used fraudulently.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX, XXXX has XXXX my rights. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

I settled the account with the company but they did not update my credit report correctly. The account still showed charged off. I disputed it and they updated the amount owed and it still says charged off