23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out I was a victim of identity theft in XXXX of 2012,. I have been fighting and fighting accounts that were on my credit file that does not belong to me and was unauthorized by me for that many years. The Police Department, the Federal Trade Commission, my Attorneys at XXXX XXXX XXXX, the three Credit Bureau Agencies and the Credit Rights Organization were all officially notified. XXXX and XXXX had blocked all of the fraudulent accounts per the official documents received. However, Transunion left one account that is officially labeled as fraud, and told ME that it is NOT fraud, and that they verified that it belonged to me, which is impossible. I received no notice as to why they did this, because it was NOT filed or authorized by me. Therefore it is not even a question of is it mine or not, if I am telling you and filing legal documents under oath that I did not authorize it. Therefore it is your job to remove it under 15 U.S.C. 1681-c-2, 15, U.S.C. 1684m ( f ), 15, U.S.C. 1684s-2 ( a ) ( 6 ), and Under FCRA 605B, 615 ( f ), and 623 ( a ) ( 6 ).
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 Account Number : XXXX Account Name : 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 and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

On XX/XX/2023, I applied for a online loan with a company called Money Key, they called me and said that I was approved for {$5000.00} and then they asked me how much do I want to borrowed, then I said {$3000.00} and then they told me that they have to put insurance on they money in which they said it would be {$900.00} that they will send me and that I would have to send the money back to them. So they told me to go to XXXX and get a pre paid card and load the money on the card, .so I did and I had trouble getting the money out of my checking account, so they told me to go to a ATM machine to draw the money out of my account, out of the {$900.00} that they said they sent to me, I only could get {$300.00} out of my account And my checking account is overdrawn {$560.00}. Now Im behind for my XXXX and my XXXX on bills, Im not going to have money too pay for my Rent.
Product: Debt collection

Attempted debt validation as of XX/XX/XXXX, company has failed to validate debt and later added to my credit report harming my person. Without debt validation they have refused to remove said debt from my report, it is still showing up and being detrimental to my overall score as of XXXX 2017. Has sent numerous letters attempting to collect debt since XX/XX/XXXX, refuses to remove from my report, and was unable to validate  said debt. I have never had a contract with XXXX XXXX, XXXX and therefore do not owe this company a dime!
Product: Credit reporting, credit repair services, or other personal consumer reports

The account XXXX XXXX listed on my credit report has changed 3 to 4 times with less than a months time. I have submitted a dispute over and over again with transunion and reached out the the creditor. Whether online, mail, or by phone no one is ever able to give me and answer or fix my problem. This account is settled and I have sent the letter from XXXX XXXX. I am getting no where all while trying to buy a house and if not able to obtain financing due to this not being fixed I will pursue legal help. I am attaching the letter with this complaint.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I refinanced my house last year XX/XX/XXXX. I had several accounts in collections. 
Every account was paid in full. The reporting agencies, will not correct mistakes, and the particular company that is listed 3 times on my credit report, with the same account number, WHOM Had initially sent updated information to the credit bureaus on XXXX, and again on XX/XX/XXXX. Experian told me that they did not receive any letters from them, but they have the information that I had previously disputed this.. 
I have been struggling for several years to get this cleaned up. My credit score in close to the same after paying all my debts. ( I had more than 10 accounts in collections. ) I have paid all my accounts on time for over 3 years, refinanced my house, bought a car. Corrections are very difficult to resolve. Specifically the account on my credit reports is Account number XXXX. From XXXX XXXX, XXXX XXXX and XXXX XXXX. ( ALL SAME ACCOUNT ) On my credit report, it has this ONE account listed 2 times on closed accounts, AND ONE account listed says BAD DEBT/ CHARGE OFF. ANOTHER same account listed right below says PAID. then, they have this same account in collections. Please help me resolve this.
Product: Checking or savings account

On XX/XX/XXXX I activated a NetSpend all access account routing number XXXX account number XXXX I deposited XXXX cash I paid XXXX for a cellphone I made a credit card payment of XXXX I received statement from my bank thanking me for payment then I received phone call saying payment was NSF I contacted NETSPEND I was told there was 5 other changes some foXXXX XXXX XXXX XXXX XXXX I stated I didn't make those changes I requested itemized statement of charges who made them and delivery instructions and addresses any phone numbers I have received nothing and will not take my calls I emailed a complaint to president of company I need the details so I can know if I have a identity thief problem or there employee just wanted extra money for the holidays I will lose my credit card because of there mis handling of my money and probably credit report damage bank name XXXX, XXXX
Product: Debt collection

My rental car XXXX ( from XXXX ) was rear-ended by a man named XXXX XXXX XXXX XXXX  XXXX XXXX ) in XXXXXXXX XXXX. I was driving slowly in the rightmost lane looking for a restaurant to pick up my order. He came out of nowhere and hit my car. He was an old man, XXXX XXXX XXXX XXXX and admitted that he was drinking tea while driving and was distracted. 

I reported the incident to my insurance XXXX  XXXX. Unfortunately though, 2 days later I got a letter from XXXX 's insurance XXXX XXXX that they concluded that both parties were at fault for the accident and I was the main culprit. XXXX lied that I was stopped on the side of the road. My insurance confirmed that still he was not in the right to hit a stopped car. 

Also at that time, I lived in XXXX  and so my insurance company XXXX only covered for the vehicle damages. They did not cover for the vehicle 's loss of use for which I still owe {$890.00} ( according to XXXXXXXX XXXX XXXX XXXX 

XXXX then hired 'Vikings Client Services ' to collect debt for this. They have been mailing and phone calling me every week since more than 8 months to pay this amount. I feel mental trauma and I feel I have been wronged by both XXXX and my own insurance company XXXX. XXXX promised me that a case adjudicator would help, but they never did anything. They got me stuck paying for a rear ended collision of someone else 's fault. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount asked by debt collector 'Vikings Client Services XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

1.Original Creditors Name : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX ) Closed {$4100.00} 2. Original Creditors Name : XXXX XXXX XXXX XXXX Closed {$1000.00} 3. Original Creditors Name : XXXX XXXX XXXX XXXX XXXX Closed {$520.00} In accordance with The Fair credit reporting act this account has violated my rights. 

15 U.S.C 1681 Section 602 A. State 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.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX  Balance : {$700.00} XXXX XXXX XXXX XXXX  Balance : {$620.00} XXXX XXXX XXXX Balance : {$860.00} XXXX XXXX XXXX XXXX Balance : {$980.00}
Product: Credit card

Merchant made charges to my credit card that were unauthorized for the these amounts and case numbers here below : Case Number : XXXX Date : XX/XX/2024 Amount : {$1100.00}. ( OVERCHARGE ) Case Number : XXXX Date : XX/XX/2024 Amount : {$810.00} Case Number : XXXX Date : XX/XX/2024 for Amount : {$6700.00}. 
I request to remove credit card charges that were unauthorized as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Dear Mr.Mrs. 

Im reporting Bank of America, inaccurate account, account number XXXX ending in XXXX Bank of America, Duplicating credit card and Misleading information and personal information with third party. Twice same account, at same time and year on XXXX, fraud and using my personal information sharing with third parties Bank of America using two companies at same time and year, on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX 


On XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, on behalf of Bank of America Letter find attached We previously sent you a letter regarding the above reference matter debt own to Bank of America , N.A On behalf of Bank of America , N.A , we are please to present you with the following offer, Bank of America , N.A will accept 60 % of the balance owed to resolved this account for less than the full amount due .This means you pay only {$3900.00} to resolved this debt. 

And On XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Fl, retained by Bank of America Letter, find attached XXXX, XXXX XXXX XXXX, XXXX XXXX, Fl., For the amount {$7100.00}, I informed Bank of America account no mines, I deny account, account number XXXX ending in XXXX I have a victim of ID Theft, I reported matter to ID Theft Federal Trade Commission on Find attached, page dated XX/XX/XXXX This is Bank of American on a competition and duplication of monies inconsistent Misleading information on a credit card. 

XXXX credit bureau, deleted Bank of America account on XX/XX/XXXX, find attached page Unverifiable account. 

In addition I reported account to Federal Trade Commission, ID Theft There is proof of account inaccuracy, available upon Bank of America request Bank of America account, account number XXXX ending in XXXX, no mines I deny account. 

Im Demand close letter ASAP for account number XXXX ending in XXXX. 
ASAP Bank of America is affecting me by all means and mental health. 


Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

This account was closed on XX/XX/XXXX after I stopped working in XXXX and couldn't make any more payments. However, Bank XXXX XXXX is reporting that there were payments made all the way until XX/XX/XXXX, that I never did nor authorized. I reached out to them and they said they just see the payment but have no record of who made it how it was paid. I believe they are trying to adjust the payment history so it doesn't fall off of my report since it's already been more than XXXX  years since it closed, but they keep making adjustments to the payment history. After disputing it again earlier this month, they then updated it on XX/XX/XXXX, saying that there was a payment made in XX/XX/XXXX, but previously the last payment they could see was XX/XX/XXXX. I believe this is illegal because they keep adjusting the payments so it never falls off, and they're reporting it incorrectly so I still have to pay them. I also have proof of when the account was closed if needed as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection account was removed from my credit report from XXXX XXXX , XXXX and my credit decreased by 8 points. My credit score should have increased by at least 23 points for a collection account being removed from my credit report.
Product: Credit reporting or other personal consumer reports

rsonal Statement Personal Statement Personal Statement Personal Statement i am writting to formally request the removal of fraudulent accounts and inquires ihave been a victim of identity theft my information has been exposed in multiple data breaches that resulted to fraudulent accounts opened in my name and also attempted to be open in my name those accounts are as follows : TRANSUNION : XXXX XXXX XX/XX/XXXX ; {$940.00} Acct # ( XXXX ), XXXX  XXXX XX/XX/XXXX {$190.00} Acct # ( XXXX ). 
FRAUDULENT INQUIRES : according to SECTION 623 ( A ) by law i am entitled to dispute fraudulent, inaccurate, incorrect and incomplete information on my credit report so remove these items immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account name Account # 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 15 USC 1681 Section 602 A. States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 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 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Former : XXXX XXXX XXXX
Product: Debt collection

Portfolio Recovery calls and have called every day for yearrs. They call from multiple numbers in 30-40 minute increments throughout the day. They never leave a message. I have asked in writing  several years ago to provide me with a copy of the stated application to ascertain if the signature is authentic. Ive been the victim of identity theft and have found serious errors on my credit report, most notably a spouse ... I have never been married. 
Below is a snippet of numbers and call received in a 4 day period : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reporting Act the listed accounts Below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX ACCOUNT NUMBER XXXX XXXX  ACCOUNT NUMBER XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX ACCOUNT NUMBER XXXX 15 USC 1681 Section 602 A. States I have the right to privacy. 

15 USC 1681 Section 604 A. Also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX. XXXX
Product: Mortgage

I submitted a complaint in XXXX, XXXX. Fay Servicing wrote back to you and stated that I missed apayment in XXXX of XXXX and that was the reason the previous ayment amount went back to the amount that I was playing in XXXX. They acknowledged that they made a mistake about 6 to 8 weeks ago. They send modification to me with double the amount that I owed. From XXXX XXXX to XXXX XXXX. They did not remove the foreclosure lawyer fees, late charges, and increased interest rates. They refused to talk to me or to received Mknthly payments of XXXX. I tried to upload the documents but is not allowing me to do so.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XX/XX/year> To Whom It XXXX Concern : I was just looking over my credit report and found some addresses that appear to be incorrect. I've enclosed documentation providing proof of my current address. To make your prices of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed ( which I would like removed please ) : ( Previous / Incorrect Addresses ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Please remove inaccurate employers as well as listed below : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Once you have deleted the inaccurate employers and addresses from my credit report, please send me a copy of my updated report. 
Thank you, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

I am formally filing a complaint against : PNC bank : XXXX XXXX XXXX XXXX   XXXX OH XXXX ... XXXX They have illegally and fraudulently added a balloon payment Of {$8000.00} + to my loan balance which was not on the original contract that we signed in XX/XX/XXXX. The terms of the {$100000.00} home equity loan ( 5.99 APY ... 15 years ) clearly stated that I had to make 180 payments of {$840.00} over 15 years ; starting with the first payment on XX/XX/XXXX until the last one in XX/XX/XXXX.

As of today I am current on all payments including all late charges and financing charges which might have occurred over the years.

I just made my XX/XX/XXXX payment. As of today I should only have 13 payments of {$840.00} which should equate to a balance of {$10000.00}. Instead I am being told that PNC will charge me a balloon payment of $ 8000+ after the final 13 payments, raising my balance to over {$18000.00}. That is contractually false and fraudulent.

As I stated earlier, this was not stipulated in my contract. PNC is clearly trying to overbill me on this ; loan.

As a resolution, I would need to start receiving statements from PNC which would accurately report the actual balance owed ( {$10000.00} as of XX/XX/XXXX -- ( 13 payments of {$840.00}. I do not owe the {$8000.00} balloon payment they have added on the backend of the loan. It is pure financial theft.

Thank you 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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

and list of Inquiries.

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

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

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