23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I have disputed the account XXXX XXXX with Equifax several times, and have even contacted the company since XX/XX/2016. The company/creditor listed on my credit file ( XXXX XXXX ) was contacted via certified USPS return receipt each time, I requested them to send me verifiable proof that this account is mine. I have never received any information from XXXX XXXX verifying that this account is mine, through verifiable proof or a contractual agreement that I had with them showing that I agreed to pay this amount. I have allowed well over the amount of time requested for XXXX XXXX to supply the information / proof to me. It 's been over 120 days, since I started the dispute. I have also notified Equifax that this was a fraudulent account and Equifax has done nothing to correct, rectify or investigate the matter. I have contacted Equifax on several occasions, once again via certified XXXX return receipt as proof, which their representative signed for each letter that I have sent them since XX/XX/2016. I called the Equifax four days ago and a representative told me that XXXX XXXX had been removed off of my credit file, however, I received two emails today, and therefore, called Equifax and the representative that I spoke to this morning stated that XXXX XXXX was still on my credit file report as an account reporting as closed account with a balance due. I asked her why, because the previous representative told me that the account was not showing on my credit file, however, the representative that I spoke to today, was very short and rude to me also. Previously, I had to request a manager. However, I have sent them all documents showing that my homes had been broken into, and Equifax has refused to take this account ( XXXX XXXX ) along with the inquires that were listed off of my account. I am asking for the assistance of the Bureau of Consumer Financial Protection to enforce the rights of the consumers by demanding that Equifax remove all inquires and XXXX XXXX from my credit file immediately! I have also attached police reports where my XXXX homes were broken into, and my identity was stolen, while I was away from my house over 6 months due to work related assignments. I have also attached a police report where my vehicle was broken into, as well. I have sent Equifax these same police reports, but they refused to upload the police reports, where my identity was stolen.
Product: Credit reporting or other personal consumer reports

In review of my XXXX XXXX  I came across quite a few inquiries that are not mine.
Product: Credit reporting

I have now mailed Experian twice, on XXXX/XXXX/2015 and XXXX/XXXX/2015, and asked for an investigation to be conducted on specific accounts I question on my report. They have not responded to me. I will attach the letters I did send them copies of my drivers license, social security card, and phone bill BOTH TIMES. 
I demand a response immediately and sanctions levied for willingly breaking federal law!
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : This notice is to inform you that you unlawfully reported fraudulent INQUIRIES that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report.

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

The following inquiries are a result of identity theft and was not initiated by me, I demand that they are DELETED immediately : 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 My identity has been stolen you are hereby put on notice. 
Aggravated Identity Theft pursuant to 18 U.S.C. 1028A.

IN GENERAL. Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. An identification of me has been used without my permission to open several accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by Federal Law 15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 

YOU XXXX have aided this Fraud by not verifying these accounts.

Congress states 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Pursuant 15 U.S. Code 1681c-2 Block of information resulting from identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request Experian Credit Bureau the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action.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: Debt collection

Portfolio Recovery Assoc. has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Chase account XXXX To Whom It May Concern : I would like to dispute the validity of chase account XXXX. I continue to dispute the validity of this account I request that the account be deleted from my credit report. I request a copy of all information use to open this account. Can you also verify and forward me the method of verification? Can you notify me of the outcome of this correspondence? I also request a summary of you dispute process Thank you Sincerely,
Product: Debt collection

The company XXXX XXXX XXXX has made repeated calls to my employer, my family, and my friends claiming I owe a debt and need to call them back. 

The number is XXXX xXXXXName : XXXX XXXXThey have not sent me any correspondence via mail about this alleged debt. It is to the point of harassment. They call 3-4 days a week.
Product: Checking or savings account

Hi there, My name is XXXX XXXX and I have been a Citibank customer for over 2 years. I reside in XXXX XXXX, XXXX  where there are no nearby Citibank branches, so all my banking activities are done online or through ATM withdrawals. Recently, I have been experiencing unexpected difficulties with Citibank, requiring me to call them frequently to resolve issues. I am writing with distress as a few days ago, I received a transfer from another business bank account and proceeded to initiate a wire transfer. Despite confirming the activities with Citibank representative on phone, the rep said they would go ahead with the wire transfer and a few minutes later I received a confirmation email that the wire transfer would be sent the next business day, but the next day I woke up to find out that the wire transfer had been cancelled and it said it was at my request, which I never requested. I logged into my bank account and found that my XXXX checking account and my XXXX Account were blocked and only my accelerated savings account was unblocked. When I contacted Citibank, they informed me that my accounts would be closed without providing any explanation. This situation has left me feeling frustrated and I am unable to access my funds to pay bills or carry out other necessary transactions. This situation has left me feeling that my banking rights are being violated. I was not informed about when I will be receiving a check in the mail. With all my funds tied up, I am unable to pay bills or conduct other necessary transactions. I am requesting immediate intervention to address these issues as I am currently feeling frustrated and overwhelmed. I am requesting for my account to be unblocked or for a swift resolution of the situation as I have outstanding bills incurring interest when not paid. I contacted the XXXX few days ago and I was assigned a case number XXXX. My account details are below. 

Account Name : XXXX XXXX XXXX Checking : XXXX Access Account : XXXX I hope that something will be done about this issue soon. Thank you for your time and assistance. 

XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX XXXX XXXX Amount : {$6800.00} 15 USC 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 account without my instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to validate some allege debt on my credit report for about a year now with the credit bureaus. there's several accounts reporting inaccuracies on my credit report. for my understanding every single account reporting on a consumers report should be accurate in order to be on a credit report. I have account that the collections agencies are not reporting accurate. I have sent validation of debt to the collection agencies which mist of them they never replied to it. and the rest are reporting inaccuracies. 

I have tried several times with the credit bureaus to try to validate such accounts, but they either replied with a letter stating that the accounts have been verified or never reply at all. I decided to filed this complaint because I don't know what to do to get them to remove the account from my credit report. 

the credit bureaus are XXXX, TransUnion, XXXX.
Product: Prepaid card

This is a secondary complaint for the balance of another gift card I received from my work at the beginning of XXXX. 
Since having been activated on XX/XX/XXXX, the card has worked a total of two times, permitting for less than 20 % of the balance to be used over the course of almost a year. After attempting transactions multiple times over the course of several months, the card was finally successfully used for a single transaction in-person at XXXX on XX/XX/XXXXXXXX  and a second time at XXXX on XX/XX/XXXX. 
Besides these two successful transactions, I have attempted to use the card multiple times without success - I had a XXXX pickup transaction that was initially processed successfully, the item arrived at the store for pickup, and the card then retroactively declined when I arrived to pickup. This resulted in me having to pay with an actual credit card for a charge I had not planned for based on the initial approval. I have had customer service agents attempt to manually process the card after initial declines at the terminal, only for the card to still get declined. I have been unable to replicate successful transactions in-person at XXXX, or XXXX, despite the card having worked once at each store. 
The card is virtually useless online, and get 's rejected summarily by every website I have attempted to use it on. It is, furthermore, stressfully unreliable for in-person transactions. There seems to be no rhyme or reason to why transactions are declined, and customer service agents are unable to provide any actual reason beyond " safety '' for the inability to use the card for any sort of transaction. The inability to process transactions seemingly violates everything that is advertised - forget about adding them to digital wallets ( doesn't work ), forget about using them for online transactions ( also doesn't work ), and forget about using them for in-person shopping ( basically doesn't work ). 
I am holding out hope for a similar resolution to my first complaint so I can end this saga, and promptly reject them as gifts moving forward. Personally, I am an avid proponent of American Express and they're many credit card offerings. I'm not sure where the ball is being dropped on these gift cards, but it's extremely disappointing.
Product: Debt collection

I notified XXXX to cancel my account as it had not worked for over a year on the date I made m y last payment. They billed me again the next month after I had cancelled. I wrote a letter again telling them I had cancelled the previous month. The next month I received another bill for another months service. I called them and told them that I had notified them two times I had cancelled. They said that I had to use their cancellation form on their letter head to be able to cancel. They then billed me for another month of service. I asked them if they had received my first cancellation notice. They said they had but would not cancel the account until they received the official letterhead cancellation notice. I do not feel that I should have to pay them for an additional three months after I notified them to cancel and they acknowledged they had received this notification. There system had not worked for over a year yet they continued to bill me. This was a home protection system and they should have realized it was not working and notified me that it was not working but they did not so I actually feel they owe me for the year in which the system did not work and I am going to send them a bill demanding a refund for what I feel they owe me. I have told them this many times on the phone and in writing and they continued to harass me with phone calls, letters and now a collection service. This is just another way to get more money out of people and is wrong. They still have n't even picked up their equipment which is still in my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I have communicated with the credit bureaus that these accounts do not belong to my. I have filed an identity theft report and even asked for both the credit bureau and the company reporting it to provide applications, loan agreements or security agreements that were signed by me. They have not provided nothing. The credit bureau then deleted the accounts over a year ago, and most recently they placed the accounts back on my report under a different reporting company name.
Product: Bank account or service

I lost my job and filed for XXXX in the state of XXXX My first check was deposited to an account that had been closed for an overdraft of {$60.00}. PNC closed my account ( I had been a customer for close to ten years ). When I learned my XXXX check had been deposited to that account, in error, the PA Treasury told me that became an issue between me and the bank. I then contacted PNC bank and was told my account had been closed by them in XXXX, 2016 and outstanding balance was turned over to collections. I asked what happened to my check and was told it was " rejected ''. This information led me to assume that the check was returned. I then contacted an individual named XXXX XXXX at the XXXX and attached the email I had received from PNC bank. She told me that PNC kept the money and I would receive a check for the difference. My two questions are as follows- 1. How can PNC keep my XXXX check when I do n't even have an open account with them? 2. Why is n't the XXXX required to obtain new account information when opening a new XXXX claim? This practice is unacceptable and very unprofessional. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 US SM BUS ADMIN ODA 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: Mortgage

When the lender tried to foreclosure in XXXX. The Note had to different dates on them. The first date, shown was XX/XX/XXXX. Two pages later there was an addendum that was not there for the original closing was dated XX/XX/XXXX. The complaint that was sent to the court has the date of XX/XX/XXXX. 
XXXX XXXX XXXX claims that these are transcribable errors. Their answer is " No Harm no Fowl. '' Since they were sent to the Court, they are now part of the court record. Which makes them a legal document and they are true facts. 
They sent me a Loan Modification, after signing the original loan modification. The mortgage and the note were never modified. Since my deceased wife is still on the mortgage and the note. They have to send an Affidavit of Continuous Marriage, which has never been done. There answer is that they do not have to modify the mortgage or the note. That they have doing this for years. Secondly, when the modification was sent to the XXXX XXXX for their signature. They did not notarize the document, which makes it illegal.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this account has violated my rights. 


XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$200.00} 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

XXXX XXXX  reports my first delinquent payment was in XXXX which is wrong and pushes my 7yr retention back to XXXX. My first delinquency was around XXXX and this should already be off my account. On Equifax it reports on time payments XXXX until XXXX. This is inaccurate and should be remove from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is knowingly reporting negative information from the following creditors : XXXX XXXX : Despite the information in its entirety is inaccurate, outdated ( XXXX ) and unverifiable. I have requested to Equifax to have this information removed, corrected or validated, however, Equifax continues to knowingly report the information. For example, it reports that my last payment was in XXXX. This is incorrect, the last payment was made in XXXX and it went delinquent in XXXX and another activity has occurred since XXXX. 

XXXX XXXX XXXX : It is reporting as a charge off, however, this account was paid on time from XX/XX/XXXX to XX/XX/XXXX, at that time it was incorporated and paid through Chapter XXXX bankruptcy and recently it was discharged in Chapter XXXX bankruptcy Equifax is reporting the information being reported was updated and accurate as of XX/XX/XXXX. I have notified the reporting agency that they are reporting inaccurate information and I have asked them to verify the validity and description of the debt. Equifax continues to report the information has been verified and no changes will occur on my report. When I try to redispute it Equifax reports that I am disputing a previously disputed information and refuses to change it. 

XXXX ( XXXX ) : This information is also being reported inaccurate. It is being reported that the amount was charged off and the amount charged off is inaccurate. Equifax reported its accuracy as of XX/XX/XXXX. These account was discharged within my bankruptcy and is not charged off.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One keeps making credit inquiries on my credit report after I requested in writing that they stop. I originally allied for a credit card but was told that I had a credit freeze on my report. I contacted the three credit bureaus and they said their was no current freeze. In XXXX of 2017, I wrote Capital One to request to opt-out of solicitations. Since then, they have continued to make hard inquiries on my credit which I did n't authorize. The last two I can see were on X/XX/17 & X/XX/17. My credit score has been dropping due to this.
Product: Vehicle loan or lease

So mi XXXX, someone called into XXXX bank and processed XXXX claims in XXXX days. I wen tto withdraw money from the ATM and both checking accounts were frozen. I spoke to the manager at the branch and he advised me that XXXX will no longer be doing business with me because of all the claims I filed. I advised the manager and XXXX phone claims dept I did not call in or authorize these claims and told them do not approve them and chase approved them anyways and the fraud people took the money out. I been going back and forth with the CEO, COO and Co President of XXXX and Toyota and I have received no assistance even when one of XXXX 's executives said they have no record of me calling in so if that's the case how did I call in XXXX claims? I asked Toyota to add the returned payments from last year to the end of my contract and I would pay them even though I shouldn't but I did that to try and keep my car from being taken from me. Toyota still took the car and said sorry for your financial hardship but you need to work that out with the back. XXXX reopened the investigation but has not returned a call or answered and email on how we can resolve this issue. I did not call in claims on my own car as this was my XXXX car with toyota. Someone stole my identity and took advantage of chase and toyota and now I am paying the price. I have all emails sent to toyota and XXXX proving I did not call these in.