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

I have been working on my Equifax credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter. The INCORRECT Address that should be deleted is XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX and there is XXXX XXXX XXXX XXXX XXXX, IL XXXX. Please keep in mind that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( EQUIFAX, Experian, and TransUnion ) do not have my written permission and this should be removed accordingly. I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX - XX/XX/2021 My consumer report is showing an unauthorized inquiry.
Product: Credit reporting or other personal consumer reports

I AM HAVING A TON OF ISSUES WITH A COMPANY CALLED : PRIMARY RESIDENTIAL MORTGAGE INC. 
I HAVE AN INQUIRY ON MY CREDIT REPORT FROM THIS COMPANY. IT NEEDS TO BE DELETED/REMOVED FROM MY CREDIT PROFILE. NOBODY WANTS TO HELP ME. I HAVE TALKED TO XXXX MANAGERS, NOT ONE OF THEM WAS HELPFUL. THE ONE NAME XXXX XXXX TOLD A BLATANT LIE. HER PHONE NUMBER XXXX SHE TOLD ME THAT THE ACCOUNT WAS AUTHORIZED WHEN I'VE BEEN TELLING THIS WOMAN FOR XXXX CONSECUTIVE DAYS THAT I DID NOT DO THAT. ANOTHER ONE NAMED XXXX XXXX ( NOT SURE ABOUT SPELLING ) SHE IS THE WORST. HER PHONE NUMBER IS : XXXX XXXX AND SHE SHOULD NOT BE A XXXX. 
BOTTOM LINE -- -- -- -- -- -- -- -- -I NEED HELP!
Product: Credit reporting or other personal consumer reports

Make a validation with all of theinformation Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance.
Product: Credit reporting or other personal consumer reports

I have reached out XXXX, Transunion, and XXXX on multiple occasions regarding disputes of inquires on my credit report for accounts i do not have. I've also received multiple notifications that my email and social security number has been accessed to the dark web and i put a fraud alert on my credit file to alert the credit bureaus about this issue. 
I've contacted the credit bureaus 4 times this year on this matter. ( XXXX, XXXX, XXXX, XXXX ) Here are a list of inquires that were not authorized 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 Transunion : XX/XX/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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX 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. 1692 C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Debt collection

This " debt '' results from fees incurred when I terminated my XXXX XXXX account upon moving to XXXX pursuant to XXXX. As an XXXX, I invoked the protections of the Servicemembers Civil Relief Act and provided XXXX XXXX with requested documentation at the time of termination. XXXX assured me no termination fees would be charged. XXXX assessed me the fees anyway, and I called them ( at XXXX long distance rates ) to work things out. They apologized and refunded the {$340.00}. The next month, XXXX again debited the {$340.00} from my bank account, and I again called them ( XXXX long distance ), receiving an apology and a refund. It appears XXXX XXXX has debited my account again, in addition to turning this alleged debt over to Valentine and Kebartas , Inc., a debt collector collection action. 

I am fed up with XXXX XXXX acting in blatant contravention of the SCRA, and I do not want to waste additional funds calling them XXXX long distance to try and resolve the issue.
Product: Credit reporting or other personal consumer reports

KIKOFF LENDING LLC has butchered my credit report with negative information on a loan that never was disbursed to me credit never received and closure of account still being reported as opened. Fraudulent account has been opened in my name as one account was closed another reappeared.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and Social Security Number : XXXX, and Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you shall block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : FRAUDULENT ACCOUNTS : Account Name : AM XXXX FIN # XXXX - Date Opened XX/XX/XXXX Account Name : AM XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXXL # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I am writing to express my EXTREME FRUSTRATION, DISAPPOINTMENT, AND ANGER regarding the continued reporting of fraudulent accounts on my credit report. Despite repeated requests for removal and clear evidence of identity theft, your bureau has inexplicably ignored these removal requests, allowing these fraudulent entries to persist and tarnish my XXXX The fraudulent accounts on my credit report not only jeopardize my financial standing but also cast doubt on the integrity of your credit reporting processes. 
XXXX XXXX XXXX FRAUD, PLEASE DELETE!!! 
XXXX XXXX XXXX FRAUD, PLEASE DELETE!!! 
XXXX XXXX FRAUD, PLEASE DELETE!!! 
I have submitted numerous requests to remove these fraudulent accounts, providing documentation and evidence of the identity theft. Yet, these requests seem to have fallen on deaf ears, as the inaccurate and damaging information remains on my credit report. This negligence and disregard for my rights as a consumer are both unacceptable and infuriating.
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan payments were always sent on time. I keep explaining this to Experian but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off an old account around XX/XX/XXXX or XX/XX/XXXX and I was told by two different XXXX reps that this account would be deleted from my credit reports. Well actually three because I asked the rep that took my payment just to make sure before paying. I contacted XXXX  over a month ago to inquire about the account still being present on my credit reports and was transferred to someone, I believe in collections, and was told that XXXX doesn't delete but rather reports as paid in full. I did my part but they did not. I disputed this account and was told that it was accurate and would not be deleted but I provided the documentation of the conversation with one of the reps and still have not resolved this situation. My credit report list the XXXX XXXX XXXX as the collector but XXXX collected the payment from me and made the deal with me. I do not owe XXXX XXXX XXXX at all. I just want this to be resolved.
Product: Checking or savings account

My initial complaint OF XXXX didn't allowed me to update the XXXX XXXX XXXX of Executive Client Relations AT PNC did to me TODAY after ME being on A call with XXXX XXXX XXXX XXXX XXXX  , for XXXX XXXX in total BECAUSE XXXX GAVE ALL THESE EXCUSES & LIES THAT THEY NEVER BLOCKED MY CARD. 

This woman listed below, ASIDE FROM THE ENTIRE DISPUTE DEPT., AT PNC keeps blocking my credit/refund. 

XXXX XXXX. 
Executive Client Relations PNC Bank, N.A. 

Office : XXXX WAS NOWHERE TO HE FOUND AFTER SHE REQUESTED A 3 WAY CALL. XXXX, GAVE ALL THESE EXCUSES ON NOT GIVING ME MY CREDIT. SHE INSISTED I DO THE LEG WORK & DO A 3 WAY CALL WITH XXXX XXXX WHEN I GOT THE STREAMING COMPANY ON ThE LINE, I THEN CALLED HER, AND IT WENT INTO VOICE. THE VENDOR ASKED TO TRY AGAIN. ON THE 3RD ATTEMPT, BACK TO VOICEMAIL. XXXX WENT M.I.A. ON THOSE 3 ATTEMPTS, XXXX XXXX  CLEARLY STATED TO on her voicemail to RETURN MY MONEY {$47.00} {$35.00} {$47.00}. 
Imagine, the vendor telling this good for nothing bank on her voicemail to RETURN MY MONEY, and she refused this money hungry bank. 

Check out the attachment on the incompetency of XXXX XXXX of PNC. AGAIN, ONE MONENT SHE WANTS TO HEAR XXXX MERCHANT TELLING THEM TO RETURNED MY MONEY, XXXX  NEXT, INCOMPETENT XXXX NOT BEING SATISFIED WITH THAT. 

CFPB, I TOLD YOU FROM THE START THIS BANK IS SALIVATING FOR MY MONEY. THEY SHOULD BE FIRED STARTING FROM XXXX & EVERYONE IN THE DISPUTE DEPT. FOR THE GROSS NEGLIGENCE. 

PLEASE KEEP THIS AS A COMPLAINT TOWARDS XXXX XXXX OF PNC BANK OR ADD TO THIS COMPLAINT THE END RESULT. THIS BOLOGNE THAT SHE WAS WORKING ON IT WHEN SHE TOOK A DAY OFF LAST WEEK. WORKING ON WHAT? GIVING CONSUMERS XXXX. 

BELOW WAS MY FRUSTRATING EMAIL I SENT. SHE BETTER GET ON THE PHONE & call the merchant herself since they left her 3 messages to return my money. She's so ignorant that I won't deal with her incompetency. Period. 




-- -- -- -- - Forwarded message -- -- -- -- - From : CC> Date : Mon, XX/XX/2021, XXXX XXXX Subject : You Went MIA???????? 
To : XXXX XXXX Fwd : You Went MIA? XXXX 

Frustrating being on the phone resolving this matter when it was PNC duty. 

Go into your voice inbox since we tried three times to 3 way the call. I even sent you a message to stand by for it, and you didn't. Heard enough of PNC EXCUSES. 

XXXX, from XXXX XXXX streaming company left you a DETAIL message to put my money back in my account as follow : {$47.00} {$47.00} {$35.00} PNC HAS GIVING ME THE RUN AROUND WITH BOGUS EXCUSES. 

JUST PUT MY MONEY Without BLOCKING IT PER XXXX XXXX XXXX. 

DONE REACHING 2 YOU, XXXX VIA EMAILS & CALLS, AND YOUR UNAVAILABILITY OF THE 3 WAY CALL YOU Requested, BUT WENT VOID | M.I.A. 

PNC ARE THE WORST. THE MONEY DOESN'T BELONG TO Y'ALL, SO STOP THIS NIGHTMARE. SHAME ON Y'ALL. DONE WITH YOU. DO YOUR JOB AND GIVE ME MY MONEY TODAY. EIGHT MONTHS OF XXXX WITH INCOMPETENT REPs of PNC. PERIOD. 

MY INTEGRITY SUPERCEDED PNC LIES & EXCUSES. Y'ALL PUT A BLOCK. GO FIND THAT TAPE. 

GOODBYE. 
GIVE ME MY MONEY. 

DISSATISFIED CUSTOMER. LOUSY SERVICES IN THE ENTIRE SENSE.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account on my credit related to this company. I have mailed letters to have it removed without any response. HI, There are is an account showing on my credit report for XXXX XXXX Bank. The account number end XXXX. They are reporting to three credit bureaus. All of the information reporting is inconsistent between the 3 bureaus and I don't know about these accounts. I am not even able to get the full account numbers. My birth date is XX/XX/ to help them accurately remove the accounts from my credit. The company is in violation of the credit reporting act. This is predatory and I feel that I am being targeted with this account.
Product: Debt collection

LVNV Funding LLC won a default judgment against me by sending court paperwork to an address that I dont live at, and I was never served any paperwork to defend or dispute the alleged debt in court. Whats more, they filed the motion for judgment in a county that I dont live in to further ensure that I wouldnt appear for the court hearing. Now, my wages are being garnished due to this companys failure to notify me of the debt and allow me to challenge the debt in court.
Product: Debt collection

CENTRAL FINL CONTROL ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Phone : Phone : ( XXXX ) XXXX Fax : Fax : ( XXXX ) XXXX Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify CENTRAL FINL CONTROL or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : CENTRAL FINL CONTROL or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was breached with XXXX  and I have had someone using my info to open accounts in my name ever since. I had my credit pulled because for awhile I didn't know and didn't know what to do to report it and was lost. This has totally ruined my life. Once I pulled my report and seen all the stuff that was incorrect I filed a police report and an identity theft report. I also disputed them with all 3 major bureaus and sent them everything they asked of me. Some of it was removed from one Experian but XXXX and XXXX  have done nothing.
Product: Debt collection

I have been asking company to provide hipaa letter which by law is needed to collect medical debt and I also wasnt given a chance to pay the debt before placed on my credit report or given a payment plan which as to be offered before placed on XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is incorrect information on my reports with Equifax and XXXX pertaining to date reported or status date on four accounts that were included in a Bankruptcy last year, XXXX XXXX. These dates are very important in calculating my credit score. The accounts in question, have been improperly re-aged as a result of a dispute through the above mentioned credit bureaus ... the accounts took the derogatory status XXXX XXXX when I filed for XXXX XXXX XXXX My credit report lists the dates more recently which appears to credit models that I had a recent derogatory event, when in fact there hasnt been any derogatory events since filing the bankruptcy. Im in the process of rebuilding my credit and these mistakes are preventing my credit score from improving..When I disputed this information with XXXX they were able to fix the errors internally, and my score improved significantly and immediately. The accounts with the incorrect information are XXXX XXXX, which reports XX/XX/XXXX, XXXX separate XXXX XXXX accounts with date reported as XX/XX/XXXX, and XXXX XXXX XXXX which list date reported as recent as XX/XX/XXXX. All of which should have status date or date reported as XX/XX/XXXX, because that is the date the accounts took the derogatory status, not any time recently. I reached out to Companies to update this information with no success. Additionally, Ive disputed with the bureaus multiple times without success, each time the status dates or date reported are showing even more recent.. This is really affecting my life.. as Im actually eligible to get a home loan while going through my XXXX XXXX, but again due to the erroneous reporting, my scores are not improving.. Please help me resolve this matter.. I only want the correct information to show.. the accounts took the derogatory status more than a year ago.. The only bureau reporting correctly is XXXX Filing this complaint is my last hope to get these errors fixed.
Product: Checking or savings account

If someone gains access to your phone with your info on it, they can try adding money to your account from an account that has no funds and cause you to be negative and the company wont help to fix it
Product: Debt collection

I received a summons from Midland Credit Management Inc. and provided answers to the court. I also sent certified letter to the XXXX attorney XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, ) for " Request For Production. '' They did not respond. Although I have proof the letter was signed & received by their office on XX/XX/XXXX. They also failed to show up to court on XX/XX/XXXX. The next hearing has been rescheduled for XX/XX/XXXX. My lawyer and I are prepared to file suit against Midland Credit Management for fraudulent debt collection if they can not properly validate the debt or dismiss the lawsuit before the next court date.
Product: Checking or savings account

I received a Chime card in the mail with my name and address on the weekend of XX/XX/2023. I never requested to open a Chime account and never received any email or phone confirmation that I had opened one. 

I believe this was connected to a fradulent phone call that I received the week prior on XX/XX/XXXX. My XXXX credit card was receiving fraudulent charges, so I spoke to representative who called me after I responded to a XXXX  Fraud text alert. I believe the first representative I spoke to, who claimed to be from XXXX, was actually a scammer who stole my information and did not help to remedy the problem. The fraudulent charges and closing of my XXXX  credit card were only taken care of when I spoke to a second XXXX  representative shortly after calling XXXX  again. 

I placed a fraud alert on my account and began credit monitoring the day after this experience, but believe it's possible that the Chime account was opened prior to that.