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

NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL. 

I am writing to dispute an unauthorized account from XXXX XXXX XXXX on my credit report, resulting from identity theft. This account is a clear and blatant violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

Pursuant to 15 U.S.C. 1681c-2, I demand that all credit reporting agencies block this information within 4 business days, as required by law. I have provided unequivocal proof of identity theft, the FTC report, and identification of disputed information. 

The furnisher, XXXX XXXX XXXX, has flagrantly disregarded the FCRA and FDCPA by : - Failing to conduct a reasonable investigation into the dispute ( 15 U.S.C. 1681s-2 ( b ) ) - Failing to provide verification of the debt ( 15 U.S.C. 1692g ) - Reporting patently inaccurate information ( 15 U.S.C. 1681e ( b ) ) - Engaging in deceptive and unfair practices ( 15 U.S.C. 1692e ) Furthermore, the original creditor 's contract contains an arbitration clause, which permits legal action against the company owning the debt. This clause specifically states that the company will bear the costs of arbitration, including filing fees, attorney fees, and other associated expenses ( 15 U.S.C. 1681s-2 ( c ) ).

I demand immediate and unconditional correction, deletion of the unauthorized account, and a corrected credit report. The account details are : {$13000.00} balance, allegedly owed to XXXX XXXX XXXX. 

Failure to comply with this demand may result in further action, including damages pursuant to 15 U.S.C. 1681n and 1681o, up to {$1000.00} per violation, and attorney 's fees and costs. Additionally, I will pursue all available legal remedies, including arbitration and litigation, to hold XXXX XXXX XXXX accountable for their reckless and negligent actions. 

Please note that this dispute is not a mere " error '' but a deliberate and willful violation of federal law, and I will not hesitate to seek punitive damages and other relief available under the law.
Product: Credit reporting 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. 

Account Name XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name XXXX XXXX  Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX and list of Inquiries XXXX5 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 XXXX 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: Mortgage

I called PennyMac in XX/XX/XXXX about paying my XX/XX/XXXX mortgage payment late because of a family member issue with COVID-19. I ask to double my monthly payment including late fees with the XXXX XX/XX/XXXX payment. I was told " NO '', threatened by the customer service rep with PennyMac sending derogatory and negative credit information to all three credit bureaus. I paid my XXXX payment on XX/XX/XXXX which included the late fee and scheduled my normal monthly XX/XX/XXXX payment thru their automatic debit system. This mortgage company had no right to threaten to ruin my credit rating ; showed no compassion for me as a customer/consumer like all the other people currently going thru issues concerning COVID-19 throughout the XXXX. The consumer is dealing enough with anxiety ; fear ; frustration ; loss of jobs ; less money, and struggling to make ends meet during this pandemic. I can not believe that the government would allow creditors, merchants, and bill collecting agencies to profit by charging late fees ; making calls every week as PennyMac did to me while my payment was late in the form of telephonic harassment. My payment was due on the first and it is considered late on the XXXX of the month. PennyMac began to call me on the XXXX, and call every week thereafter, sometimes 2-3 times a day after the XXXX. My mortgage for XXXX was paid on the XXXX with late fees of {$32.00}. The circumstances of this pandemic should have given the average bill-paying consumer a chance to pay monthly what they owe without any extra charges of late fees and additional stresses. Government needs to monitor creditors of all kinds.
Product: Credit card

I have never opened accounts with XXXX and XXXX XXXX XXXX They were opened fraudulently. I did not sign or authorized any documents to open the credit accounts listed below. 

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

on XX/XX/2021 I got a notification about my new credit score being decreased quite significantly. I have since attempted to dispute this account that has never belonged to me. When I looked into this a bit deeper I saw the the address attached to the account and the information used to get the credit card I realized this was Identity fraud ( by possibly one of my uncles in the USA ). 

I attempted to get this resolved directly many times but they requested a police report which I was not able to provide due the fact that I had no information on the uncle I suspected of doing this. I have requested original documents from XXXX, Equifax, XXXX and for them to validate the debt based on the other Items I have disputed on my account. 

This is really affecting my life in a negative way as I have not been able to get a place or get a loan to get a car. I am Trying everything to get this out of my credit report and XXXX, Equifax, XXXX has been making this process supper difficult. 

I have saved up enough to buy a house for me and my family, but my credit is affecting this majorly. 

I have attached the last person to review my file and has not reposed to me in the 30 days indicated by the CFPB. 

The difficult issue here is that I have tried everyday possible to get some sort of response from the credit burrows and all they do is update my account when I ask for a full validation and for them to provide the original documents. I am beyond frustrated and I am just looking for some direction. I can't wait 7 year for this to be removed when I was not the one responsible for this. 

I hope you are able to help CFPB. 

Thank you for your time reviewing my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

Saturday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wisconsin XXXX SSN : XXXX | XXXX : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX TX XXXX I recently reviewed my credit report and found unauthorized inquiries. 

I have already contacted the creditors below and they have not provided me with any proof that I initiated such inquiries, nor provided me with written authorization or any permissible purpose. Since they do not have my authorization, written nor verbal, I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

As you know, according to Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports 15 U.S. Code 1681b, Subsection ( a ), the below creditors have not demonstrated any allowable permissible purpose - and any consumer reporting agency may furnish a consumer report under those circumstances and no other. 

The following inquiries are unauthorized, and I ask that you DELETE them : Creditor Name : XXXX XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry XXXX XXXX XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXXXXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry
Product: Checking or savings account

With funds available in account I was charged an overdraft fee. This overdraft fee put my account into the negative. Without this fee the next purchase would have also been covered. Now there are two more purchase that posted. These would count as overdrafts. That's two overdrafts instead of four. This is if the money is considered out of your account at posting time. 

If PNC considers your money out of your account at transaction time the transactions went XXXX, XXXX XXXX, XXXX  and then XXXX XXXX. There were enough funds to cover the first three purchases but the fourth bout me over. So only the forth ( XXXX XXXX ) would have been an overdraft. 

PNC is counting the money out of my account at pending but then again at posting leading to overdrafts for purchases that have enough funds to be covered.

If it's counted at transaction time I am owed 3 reimbursements of {$36.00}. ( {$100.00} total ). If it is considered at posting I am owed 2 reimbursements for wrongful overdraft charges ( {$72.00} ). 

I can not attach any file until I receive my monthly statement.
Product: Debt collection

I was charged for over XXXX dollars at a hospital I've never been to. The hospital is more than two hours away from where I live. I tried to dispute the fraudulent charge but it kept telling me it was verified without any proof. I tried contacting the collection agency and was told there was nothing I could do and that I had to pay it in full to avoid further penalties
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted this company several times along with disputed with all 3 bureaus and they refuse to remove the account or provide documentation showing proof this is my account. I am a victim of identity theft and I have fraud alerts on all bureaus. I was able to get all fraudulent and inaccurate information removed off my account BESIDES this one and I am demanding removal and or proof of validation. I do not recall ever opening a XXXX XXXX XXXX credit card and its been messing up my credit for YEARS. Credit bureaus need to do something
Product: Credit reporting or other personal consumer reports

To following information on my credit report is the result of identity theft and should be blocked : XXXXXXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX Account # XXXX XXXX. XXXXXXXX XXXX Account # XXXX XXXX XXXX Account # XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I sent copies of a paid collection agreement and proof of payment of {$300.00} taken out of my account on XX/XX/XXXX to all XXXX credit bureaus XXXX, Equifax and XXXX and asked them to please remove collection status to show paid. I disputed 1st with all 3 bureaus to be told that it was investigated and the account was valid, then i sent proof showing that it was in fact paid and they still said the collection was valid. I am trying to purchase a home and this is still showing derogatory. Could you please help me?
Product: Credit reporting or other personal consumer reports

These are hard inquiries that I did not authorize these inquiries are fraudulent : XXXX XXXX XXXX XXXX Capital One Auto Finance XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I want the official loan papers with my signature for the loan
Product: Credit card

Since XXXX, XXXX XXXX has illegally submitted charges to my Discover card for services NEVER requested nor rendered. 
Every year, I have supplied proof to Discover Card that XXXX XXXX is illegally charging my account. I have supplied : 1. an email from XXXX XXXX that states I do not have an active account with XXXX XXXX  2. XXXX from XXXX XXXX website showing I have no active accounts 3. A statement PROHIBITING Discover card to authorize any charges from XXXX. 

I fought for XXXX YEARS with Discover card AND XXXX XXXX. 

Exasperated by this nonsense, I paid my account to $ ) and CLOSED my Discover card. 

While the XXXX transactions were in dispute, XXXX finally reimbursed me for the past XXXX years but NOT for XXXX - because those 2 transactions ( 2x {$290.00} = {$590.00} ) were still in dispute. 

Immediately Discover card my online account access and did NOT inform me of any additional charges after I XXXX XXXX out my account, AND they put these charges onto my account without any way of informing me. They claim to have sent a letter that they claim was returned ( they have my correct address for YEARS ). They have reported me as delinquent on my credit report for a charge they never informed me I owe!
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under tXXXX  according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 
Please delete the following accounts : XXXXXXXX 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

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit card

XXXX XXXX I had filed initial complaints with : Consumer FInancial Protection Bureau ID XXXX XXXX XXXX XXXXXXXX XXXX XXXX ID XXXX XXXX Credit Cards XXXX and XXXX I am REFILING BOTH COMPLAINTS as Barclays is comporting itself with continued reckless negligence engaging in continued harassment by unjustified BLOCKING and DISABLING of access to and use of said accounts failing to make good on contractually agreed upon benefits when I opened the accounts. They blocked the accounts AGAIN. They were unblocked for about XXXX weeks ONLY in which time I had made $ XXXX in purchases on both accounts ( $ XXXX total ) AND I IMMEDIATELY PAID ALL OFF ALL $ XXXX debt 100 % and BANK RECEIVED PAYMENT. Then I made a purchase for a measly {$18.00} to buy a by a bus ticket while traveling AND THEY BLOCKED THE ACCOUNTS AGAIN causing me to be stranded with a small nephew at airport in XXXX. I called CUSTOMER SECURITY and they can ONLY UNBLOCK the account ( suspicious as a result of {$18.00} charge! ) ONLY when I can be reached at the HOME phone that I left at home in California. This is ABUSE BEYOND IMAGINABLE of a SOLID TRUSTWORTY AND HIGH CREDIT WORTH CUSTOMER with XXXX BALANCE. Them having set a password on my account does not help at all. INSANE ABUSIVE/INCOMPETENT CUSTOMER SECURITY. MY accounts are BLOCKED yet They had charged me {$75.00} fees and I am unable to use the account 99 % of time since account opening! The bank itself is ONE BIG FRAUD and ABUSE. Customer Security at this bank is one UNIMAGINABLE ABUSIVE FRAUD towards reliable high credit worth customers. NEVER EVER RELY ON THIS BANK OR THEIR CARDS WHEN TRAVELLING. They left me stranded with nephews at airport again. HORRIBLE ABUSIVE BANK. They see I had made purchases for $ XXXX XXXX each card and I PAID ALL OFF immediately last week yet they BLOCKed my accounts over subsequent charge of {$18.00}!! AND ONLY WAY TO UNLOCK IS THEY DEMAND I PICK UP MY LAND LINE PHONE AT HOME that I have no access to while TRAVELLING.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several letters to all 3 credit bureaus- Equifax XXXX XXXX XXXX and XXXX disputing this Account with ( XXXX ) - name as reported to my credit report. They keep sending me a letter that this account was verified but have failed to explain WHY, WHO, & WHEN. ( DEBT VALIDATION ) They have failed to present me with proper documents that show their method of verification. They have also failed to show me original documents bearing my signature with this account.

This account also shows a few incorrect information such as the ''date opened '', ''date verified '', '' closed date '', ''account status '', ''dispute status '' and ''date of last activity ''. ONLY ONE BUREAU IS SHOWING A ACTUAL CLOSED DATE FOR THIS ACCOUNT. THIS ACCOUNT NUMBER IS ALSO INCOMPLETELY REPORTED FROM ALL 3 BUREAUS. This account is also in VIOLATION of Metro 2 Compliance because THIS ACCOUNT IS ALSO REPORTING INCORRECTLY & ALOT OF FIELDS ARE BLANK & MISSING INFORMATION. THIS ACCOUNT IS ALSO REPORTING A " LATE-PAYMENT STATUS '', WHICH IS ILLEGAL BECAUSE A CLOSED ACCOUNT IS NOT SUPPOSED TO REPORT LATE PAYMENTS NOR A BALANCE.

In addition, I have been sending dispute letters to these bureaus and they have FAILED to update the ''dispute status '' of this account.

All 3 credit bureaus are reporting DIFFERENT INFORMATION on this SAME account which is ALSO against my consumer rights. According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this INCOMPLETE, UNVERIFIABLE, UNFAIR, and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against ALL 3 credit bureaus and ( XXXX ). I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED.
Product: Debt collection

To whom it may concern : Navy Federal Credit Union is reporting an alleged account with the balance of {$4700.00}. 

This alleged account was never validated and is in violation of the FDCPA. 

Please delete asap. 


Thank you.
Product: Checking or savings account

Dear Sir/Madam, I am writing to file a formal complaint against Chime Bank for XXXX denying me access to my checking account and refusing to address fraudulent charges made by XXXX XXXX XXXX a known con-artist who has stolen my identity. This denial is based on incorrect information provided by the IRS, which has used a name associated with my past trafficking experiences, thus impinging on my rights under the 8th and 14th Amendments of the U.S. Constitution and contradicting the principles established in XXXX vs. XXXX. 

Details of the Incident : Account Affected : Attached in Docs Fraudulent Transactions : Charges made by XXXX XXXX using my stolen identity. 
Action Taken by Chime : Denied account access based on disputed IRS records. 
Chimes actions have not only locked me out of my account but have also aided in the perpetuation of identity fraud by failing to rectify the fraudulent charges promptly. This refusal violates my constitutional rights, particularly my right to access my property and the protection against cruel and unusual punishments and the deprivation of liberty without due process. 

Demands : Immediate restoration of access to my checking account. 
A full refund of all fraudulent charges linked to the identity theft. 
A thorough investigation into how my personal information was handled and the fraudulent activities associated with it. 
I urge the Consumer Financial Protection Bureau to take immediate action against Chime for their complicity in these fraudulent activities and for violating federal law by denying me the fundamental rights to my financial resources.
Product: Debt collection

THE COMPANY PORTFOLIO RECOVERY ASSOCIATES LLC PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION. ACCORDING TO 15 USC 3002 I AM A NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX. XXXX USC 1692 ( A ) ( 1 ) The term " Bureau '' means the Bureau of Consumer Financial Protection. XXXX, XXXX, and XXXX are assumed to be credit Bureaus and there is only one Bureau and that is the Consumer Financial Protection Bureau. 
On XX/XX/1933 The Congress enacted House Joint Resolution 192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that " Whereas the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction, and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require a payment in gold or a particular kind of coin or currency... are inconsistent with the declared policy of The Congress .... in the payment of debts. This resolution declared that any obligation requiring " payment in gold or a particular kind of currency or coin, or in an amount in money policy, and ... Every obligation heretofore or hereafter incurred, shall be discharged upon payment dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts.

15 USC 1681 ( 3 ) ( E ) ( e ) The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning such items of information.
Product: Credit reporting, credit repair services, or other personal consumer reports

First Progress Credit card was removed from my credit report XXXX as closed. I don't have this card anymore. As of XX/XX/XXXX the company fraudlently added a closed account back on my credit report as a open balance {$160.00} as if I used the card ( see picture ) dropping XX/XX/XXXXdown 52pts and XX/XX/XXXX down 41pts along with XX/XX/XXXX. I would like to have my credit score returned back to where it was. I contacted the company on XX/XX/XXXX. Spoke to XXXX from the company she does not have a clue what happened and understands the error but did not correct the issue over the phone. She stated for me to send a credit report even though they have the account listed as closed. I have contacted my lawyer.