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

I filed complaints with Transunion directly, I included a copy of my ID, my FTC report and a letter stating that the identified transactions were due to identity theft. Transunion responded saying that I had not attached a copy of an identity theft report. There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error. My request to block is not being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as a consumer : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  CARD XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I reached out to XXXX and equifax to update my account giving them my correct and only name as well as mailable address. I wanted all unamailable addresses removed off of my account as well as my correct name. I verified all information that they have regarding their security measures however that seemed not to be sufficient with equifax because that want me to send additional information which they have because they are the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$340000.00} XXXX XXXX  XXXX Balance : {$33000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 1 name XXXX XXXX XXXX I have 1 address XXXX XXXX XXXX XXXX I Have 1 date of birth XX/XX/1964 I have requested over 10 times to have my correct information up dated and all 2 credit bureaus have failed to correct my credit reports with my correct information.
Product: Checking or savings account

Good morning, On XX/XX/XXXX I placed an order from XXXX XXXX  XXXX XXXX on their website for 2 small pizzas and 2 make your own salads. 
I received a text message from them at XXXX XXXX stating they had some issues and were cancelling my order. 
On XX/XX/XXXX at XXXX I contacted them asking for my refund as the charge of {$48.00} was not refunded. No answer On XX/XX/XXXX at XXXX I texted again asking about my refund. They finally answered at XXXX saying it was processed. 
On XX/XX/XXXX at XXXX I texted again asking about my refund. No answer. 
On XX/XX/XXXX at XXXX I texted again. At XXXX they answered basically saying it was not their problem. 
On XXXX I texted again asking where my money was. No answer. 
Please see attached screen shots. 
Please refund my money ASAP! I am a long time customer of PNC along with my 5 family members and I should not have to go through all this NOR wait 90 DAYS!!!! For my money that very clearly was not refunded. 

I have been trying to work with PNC and they keep dragging it out and making false promises and still no money
Product: Debt collection

I hope this letter finds you well. I am writing to address an important matter concerning inaccuracies in my credit report. Upon reviewing my credit history, I have identified late payments that I believe are inaccurately reported. I am seeking your assistance in either removing or correcting these late payment entries promptly. 

I understand the significance of maintaining an accurate credit history and its impact on my financial standing. I am committed to ensuring the correctness of the information reported on my credit file. 

LOANCARE LLC XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or LOANCARE LLC customer service. XXXX and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

I respectfully ask that this problem be thoroughly investigated and that the erroneous late payment entries be removed or corrected from my credit record. For me, it is vital that my credit history fairly represents my sense of fiscal responsibility.
Product: Mortgage

I was notified by my previous mortgage service provider ( XXXX ) that effective XX/XX/2023 my new service provider will be NewRez LLC d/b/a Shellpoint Mortgage Servicing. XXXX XXXX loan number was XXXX and the monthly payment of {$620.00}. The XXXX and XXXX mortgage payments were made successfully by phone. However, I am unable to complete the XXXX mortgage payments because the contact information provided as part of the previous and new service provider, in addition to the customer service website is a non working number ( XXXX ). In addition, I have made multiple unsuccessful attempts using other contact numbers ( XXXX / XXXX / XXXX ). I need your assistance in order to avoid any late payments fee and most important, a delay in my credit report. Thank you.
Product: Consumer Loan

Purchased a used car from XXXX in XXXX, on XXXX We ( my partner and I ) were very stern that we did not want to spend more then XXXX. We were told the car would be XXXX. We gave them XXXX down. When we got the first payment the total we owed was XXXX. IS THIS POSSIBLE. Are taxes that much, how is interest compounded, i do n't understand how we owe this much, in addition there have been warrantee and recall problems that they have not taken care of. 
XXXX, recently I have been paying the payment, plus extra on the principle. I have tried to figure out how they are calculating this, I have put in every combination of numbers, but it seems it is always about XXXX dollars in their favor. I think they are ripping me off, and they have no one to call that I can talk with. When you go in there this is what they say " you should just buy a new car, get rid of this XXXX ... .blah blah blah '' I am so sick of this company.
Product: Checking or savings account

I am writing to formally address the unexplained closure of our family 's accounts with Bank of America in XX/XX/year>. Despite our nearly 20-year history as customers with an impeccable record of responsible banking, we were given no justification for this action. 

This closure has had severe consequences, seemingly resulting in our inability to open accounts at other financial institutions. I would appreciate if bank of America can provide : 1. A detailed explanation for the account closures 2. Clarification on any reports made to other financial institutions regarding our accounts 3. Information on how to appeal this decision.

4. If the bank reported us to any government agencies. 
We have always conducted our banking affairs ethically and legally. If there were any concerns or issues, we would appreciate the opportunity to address.
Product: Credit reporting or other personal consumer reports

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below.

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.

Please investigate these matters and remove the disputed items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have contact equifax and XXXX regarding these false unauthorized inquiries to be removed. 

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

I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have called multiple times requesting the original purchase agreement to no avail. 

if the purchase agreement can not be brought forward then i do not see any reason to satisfy the alleged debt. 

After bringing this to their attention nothing has changed. 

i feel nothing more need be said.
Product: Credit reporting or other personal consumer reports

I noticed XXXX hard inquiries for a vehicle loan or credit loan on my credit in XXXX of XXXX. The issue is, I already own a vehicle that has been keeping my expenses much lower than getting a car payment. Its a bit unfortunate that information is easily accessible in the internet age. Hopefully, more secure measures will arise to avoid this kind of situation in the near future
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX  XXXX {$520.00} XXXX XXXX XXXX {$240.00} XXXX   XXXX {$2800.00} XXXX  XXXX  XXXX {$5200.00} XXXX   XXXX {$670.00} XXXX/XXXX  XXXX {$410.00} XXXX  XXXX XXXX {$9800.00} XXXX XXXX {$710.00} XXXX/XXXX  XXXX {$450.00} XXXX  XXXX   XXXX XXXX {$22000.00} XXXX  XXXX {$3200.00}
Product: Credit reporting or other personal consumer reports

I have been made aware of fraudulent accounts that have appeared on my credit report as a result of identity theft. I recently became aware that my personal information was compromised in the XXXX data breach, and unauthorized accounts have been opened in my name. 

The following accounts do not belong to me and should be removed from my credit report immediately : XXXX XXXX XXXXXXXX XXXX  for {$280.00XXXX XXXX XXXX XXXX for {$620.00} XXXX XXXX XXXX XXXX  for {$630.00} Under the Fair Credit Reporting Act ( FCRA ), I request that XXXX take the necessary steps to correct my credit file and provide me with a written statement confirming the removal of these fraudulent accounts. Additionally, please place a fraud alert on my credit file to prevent further unauthorized activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense stress and XXXX  It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has totally let the breach of XXXX totally cra violation and ftc XXXX my report up enclosed are the violatons XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX - - XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$3000.00} {$3000.00} XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$750.00} {$750.00} XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On several different occassions I have submitted disputes pertaining the following accounts : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX Credit Card. 
XXXX XXXX Credit Card has reported my account closed and as a charge-off. This account has been sent to a collection agenc for collections. Under the FCRA, the account balance shoudl reflect as a " XXXX '' balance. I have disputed this account several times but the three consumer reporting agencies does not request validation from the original creditor. 

XXXX XXXX XXXX This account has been reported on my credit report as charged-off and closed as of XX/XX/XXXX. I have been contacted by an outside collection agency who has reported that they have purchased the account. Under the FCRA, the account balance should reflect as " XXXX ''. This has been dispiuted several times but XXXX has not provided validation to show who specifically owns the rights to the account. 

XXXX XXXX XXXX This account has been reportd as a charge-off as of XX/XX/XXXX. I have been contacted by an outside collection agency regarding this account. Under the FCRA, the account balance should reflect as " XXXX ''. This has been disputed several times but XXXX XXXX XXXX to show who specifically owns the rights to the account. 

XXXX XXXX XXXX This account is an auto account for a vehicle purchase that took place in late 2016. The loan was paid in full in XX/XX/XXXX as apart of a purchase of a new vehicle, When i reviewed my credit report it stated that the current account status was 30 days past due instead of the account being current and paid. The worst account status was a 30 day late payment that took place in XX/XX/XXXX, but the overall account status should be current because the balance was paid off and the account was closed with a XXXX balance.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In the accordance to 15 USC 1692 G these need to be removed off my credit in four business days.
Product: Student loan

Ed Financial has two different amounts listed on my credit report and have them both reported as open. One loan is XXXX and the other is XXXX. The updated their system and moved my loans over to their new system but reporting on my credit report as if I owe over XXXX in student loans. This is incorrect and affecting y credit report and score.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX It has been more than 30 days and the XXXX  has not sent me verifiable proof of these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize or understand how these accounts are reporting. Please remove from my credit report immediately. 

The inaccurate reporting is a volition of 15 U.S.C. 1681s-2 ( A ) ( 1 ).
Product: Credit reporting or other personal consumer reports

This letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Not only have you ignored my prior requests for validation of debt but you continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow the FDCPA and please provide the following validation of debt request : -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. I expect to receive the proof requested above within 15 days of this letter. 
Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted.
Product: Credit reporting or other personal consumer reports

Please remove these inquiries. I don't have any knowledge regarding this and the company did it without my consent
Product: Credit reporting or other personal consumer reports

In review of my credit profile I saw some inquiries that did not belong to me.
Product: Checking or savings account

I was contacted by Citibank about 2 months ago regarding my checking account. The letter stated that the IRS was instructing the bank to start back up witholding due to the number of withdrawals I was taking out. To date I have received nothing from the IRS in regards to this. The bank sent another letter last week requesting a W-9 form. Due to the fact that I have not received any documentation from the IRS, I will not submit any type of documentation to Citibank and request that they no longer contact me in regards to this unsubstantiated issue. 
Upon reading the documents sent by Citibank I noticed that they have two ( 2 ) different ending account numbers. The account ending in XXXX is not an account that is used and not completely sure at this time that it is actually an account that I have opened. Also in the documentation dated XX/XX/2022 Citibank stated that the Internal Revenue has given them notice of this account. How can that be when I have received no notice from the IRS as stated previously, however the document states at the bottom that I should contact the IRS if I have not been notified. The same way that the IRS allegedly contacted Citibank I should have been contacted as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the reporting agency a letter on  XXXX / XXXX / XXXX  then again on  XXXX / XXXX / XXXX  and finally another letter on  XXXX / XXXX / XXXX . They have not responded to my request with the required 45 day time.
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 : XXXX XXXX XXXX Account Number XXXX Account Name : XXXX Account Number XXXX Account Name : XXXX XXXX XXXX XXXX Account Number XXXX Account Name : XXXX XXXXXXXX XXXX Account Number XXXX Account Name : XXXX XXXX Account Number XXXX has violated my rights. Or list of inquiries XXXX XXXX XXXX section XXXXXXXX XXXX. 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: Credit reporting or other personal consumer reports

RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX XXXX XXXX XXXX XXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated. Your agency has violated my consumer rights and violated federal law. This is now multiple attempts to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Product: Debt collection

On my credit report ( XXXX XXXX, XXXX ) I have a collection from a creditor : MBA Law. I have no idea what this and why it's on my credit. The account was opened XX/XX/2023. I was not affiliated with this business during this time, or anytime. The original creditor is XXXX XXXX XXXX XXXX. The amount is {$1500.00}. This is not accurate. I want it off my credit immediately! This company, nor do the credit bureaus have my permission to put this on my report. 

XXXX XXXX
Product: Credit card

I discovered fraud charges on my account and are appalled that PayPal would let this charges through and did n't even notify me of this fraud use of my card.