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

XXXX XXXX ; XXXX ; XX/XX/year> Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, 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 XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX & XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 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: Credit reporting or other personal consumer reports

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX  To Whom it may concern, Please be advised this is my SECOND WRITTEN REQUEST : The unverified items listed below remain on my credit report are in violation of Federal Law. You are required under the FCRA to have a copy of the creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under 15 USC 1681i ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance 15 USC 1681n if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In addition, Delete all non-account holding inquiries over XXXX  days old. 

Under federal law, you have XXXX ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within XXXX  ( XXXX ) days of the completion of your re-investigation. 

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

This is my third dispute attempt to remove, delete, block this Bankruptcy from my credit report. XXXX has already complied and removed the Bankruptcy date filed XX/XX/year>. XXXX and Experian has refused to remove the Bankruptcy after I have provided the laws protecting me as a consumer by the FCRA stating why the Bankruptcy should be removed. XXXX and XXXX are in violation of the law and also violating my rights according to the guidelines provided by the FCRA, I also contacted the Court which filed the Bankruptcy asking If any information or documents were submitted or released to any Creditor, Credit Bureau, Third party, and their response was NO..!! I have attached a copy of this letter with a copy of my third Dispute Letter, Copy of my Drivers license, and current utility bill.. XXXX and XXXX do not have my authorization, my signature, consent or any proof the court has provided this Bankruptcy to them. I have also informed XXXX and Experian that if the Bankruptcy is not removed, blocked, deleted from my credit report, I will find legal counsel from a attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX Balance : {$410.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account Immediately. 

XXXX XXXX XXXX  XXXX Balance : {$10000.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1900.00} This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately.
Product: Debt collection

This company continues to call me even though I am not the person they are trying to reach. I have told them numerous times that I have no contact with the person they are trying to reach and have asked that they stop calling. They continue to call and immediately hang up. When I call them back it goes to an auto attendant that transfers me to an extension where noone is available and the voice mailbox is full and can not accept new messages. The number that is calling is XXXX ( Univin Inc. )
Product: Credit card or prepaid card

Back in XX/XX/XXXX, I received an email regarding upgrading my XXXX Honors American express card. The email said that if I upgraded today, I would receive XXXX XXXX honors bonus points if I spent {$1000.00} in the first three months. I clicked on the link to upgrade. I was taken to an American Express website stating the terms and conditions of the card. It would be an increase from my {$0.00} annual fee to a {$95.00} annual fee, but as I would be receiving XXXX bonus honors points to use for hotel stays, I thought it would be worth it. So I accepted the terms and was told I would receive my new card in the mail soon, which I did. I got working right away to meet the {$1000.00} obligation so I could get my bonus points, even though I wouldn't have usually spent that much on that card because I have other cards with better interest rates. I exceeded the {$1000.00} requirement, and patiently waited for my bonus points to appear in my account. After about a month I called to inquire as to where my bonus points were. I was told that the channel I used to upgrade my card didn't offer an upgrade incentive ( even though I used the link that they provided in the email they sent me advertising it ) but they could open a case if I wanted to dispute it. I did open a case. Over the next several months, I repeatedly called and each customer service representative looked up my case, telling me that the case was still being looked into and I would have to wait. Today, XX/XX/XXXX ( five months after I upgraded the card ) I called again and was told that the case had been marked closed with the same conclusion, that the channel that I'd used to upgrade did not offer the incentive. I told them that this was false advertising, because the whole reason I upgraded at all was for these points, and demanded a refund of my annual fee, which she obliged. She also offered XXXX points in compensation, which was the most she had the power to award anyone ( I have yet to receive these as of the time of writing this but hope they will go through ). Since false advertising is illegal, I believe they should award me the remaining XXXX XXXX honors points I was promised upon my upgrade.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FL Date : XX/XX/XXXX Equifax XXXX XXXX XXXX, XXXX, GA XXXX This is my second time on the removal of these errors on my credit report. I saw multiple hard inquiries that's shown on my consumer report which have known actual accounts. Under the Fair Credit Reporting Act, no one may access my credit without my permission for the purpose of extending credit. I also Know any extension of credit should be given as I didn't receive anything from your company to be shown on my consumer report. Please remove all listed below before i take legal actions please. If accounts are not removed within the next 30 days I will be taking legal action with intent to sue. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I am sending this letter certified mail for my protection as well as yours. Please forward proof to me at your earliest convenience or send a request to the credit bureaus that you report to if you discover this was an error. 
It is urgent that I hear from you urgently, as this hard inquiry is impacting my credit score. 
I anticipate your response.
Product: Credit card or prepaid card

My problem involves fees charged on my credit card through Synchrony Bank. 

I owe {$94.00} per month on an installment purchase. The {$94.00} was paid on time in XXXX and XX/XX/XXXX. The XX/XX/XXXX payment was paid late. In XXXX I made a payment of {$110.00} which included a {$40.00} late fee for XXXX. The late fee is one of my problems. How can they charge a {$40.00} late fee on a {$94.00} amount owed? 

I was traveling XX/XX/XXXX so I paid the {$94.00} due in XXXX early in late XXXX before the bill was received. Then in XXXX I received a bill for {$130.00} with a late fee of {$43.00} for a total minimum payment due of {$180.00} How can I be charged a late fee again? How is the bill for {$130.00} when my agreed to payment is {$94.00} and the previous bill was paid in full? Especially when the XXXX payment was received in XXXX before the XXXX due date. I paid the {$180.00} by the due date of XX/XX/XXXX. I just received my bill due XX/XX/XXXX, for {$110.00}. When I called to dispute the charge, I was told that I had not paid all the fees. I asked what fees? I paid the last bill in full which included Amount Past Due. Why am I now being charged more than the installment fee originally agreed to? 

I was told there were other fees that I had not paid. I said how would I know there are other fees when the bill before this one included Amount Past Due and it was paid in full. 
They had no answer for that. I think they just add on fees whenever they want. 

Please address this issue. I have gone on line and found that other people have had problems with this bank. 

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

My information has been exposed in a data breach. These accounts listed do not belong to me XXXX XXXX XXXX Acct # XXXX, BAL- {$14000.00}, Date opened : XX/XX/XXXX XX/XX/XXXX-Acct XXXX XXXX XXXX Bal- {$250.00}, Date opened : XX/XX/XXXX XX/XX/XXXXAcct # XXXX, Bal- {$94.00} XXXX Date opened : XX/XX/XXXXXX/XX/XXXX- Acct # XXXX, Bal- {$3900.00}, Date opened XXXX XX/XX/XXXX XX/XX/XXXX Acct # XXXX, Bal- {$6300.00}, Date opened : XX/XX/XXXX Dept of EducationXX/XX/XXXX- Acct # XXXX, Bal- {$4600.00}, Date opened : XX/XX/XXXX Dept of EducationXX/XX/XXXX- Acct XXXX XXXX XXXX XXXX {$4300.00}, Date opened : XXXX XXXX Dept of EducationXX/XX/XXXX-Acct # XXXX, Bal- {$2000.00}, XXXX XXXX XXXX XXXX XXXX, XXXX Dept of EducationXX/XX/XXXX- Acct # XXXX, Bal- {$1100.00}, Date opened XXXX XX/XX/XXXX Dept of Education/XX/XX/XXXX Acct # XXXX, Bal- {$6300.00}, Date opened : XX/XX/XXXX Dept of EducationXXXX Acct # XXXX, Bal- {$3600.00}, Date opened : XX/XX/XXXX Dept of Education/XX/XX/XXXX-Acct XXXX XXXX XXXX XXXX {$3600.00}, Date opened : XXXX XXXX Dept of EducationXX/XX/XXXXAcct # XXXX, Bal- {$6800.00}, XXXX XXXX XXXX XX/XX/XXXX Dept of Education/XX/XX/XXXX Acct # XXXX, Bal- {$3400.00}, Date opened : XX/XX/XXXX XXXX XXXX EducationXX/XX/XXXX- Acct # XXXX, Bal- {$3600.00}, Date opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, Bal- {$820.00}, Date opened : XX/XX/XXXX Dept of Education/XX/XX/XXXX-Acct # XXXX XXXX XXXX {$960.00}, Date opened : XX/XX/XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B mandates that we eliminate any erroneous accounts from my credit report. Could you verify the documents? Some of the accounts listed have incorrect reporting, amounts, and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) XXXX and Equifax shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Date opened XX/XX/2019 Balance {$0.00} and XXXXXXXX XXXX XXXXXXXX Opened XXXXXXXX XXXX XXXX Balance {$2600.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

The bank will not allow me to withdraw funds from my checking account. I have contacted them repeatedly. This started about 3 weeks ago. I wanted to close out my mortgage. I had to go back and forth between customer service and several branches. They finally managed to close out my mortgage. Now, I would like to withdraw funds. They have strung me along for two weeks, and now the manager XXXX, at the XXXX XXXX branch will not let me withdraw my own money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX
Product: Debt collection

I have contacted the company ( Penn Credit Corp, XXXX, PA ) on more than one occasion attempting to pay the debt in full. Most recently on XX/XX/2021 and with email communications with their compliance team within the week of XX/XX/2021. I am wanting to pay the debt in full by the end of XX/XX/2021 with the stipulation that they first give me our agreement in writing stating that I will pay off the debt in full by the end of XX/XX/2021 and they will then provide me with a Paid in Full letter and report the debt as such to the credit bureaus. 

The representative I spoke to on the phone on XX/XX/2021 assured me, after speaking to her supervisor, that the Penn Credit compliance team would provide me with the agreement in writing via email and also by a letter in the mail so the debt could be paid off. After emailing with XXXX from their compliance team, Penn Credit is refusing to give me our payment agreement in writing. 

After speaking to legal counsel, they suggested I file this complaint for their refusal to provide me with an agreement in writing. If they can not put the agreement in writing, I am suspect that there is even an agreement at all.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , 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 XXXX XXXX XXXX XXXX XXXXXXXX **** Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, 1 was not.As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXX XXXX XXXX XXXXXXXX XXXX Verify Account - 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report XXXX XXXX XXXX XXXX XXXX  Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being i have rights under 15 u.s.c 1681.

Equifax is govern by 15 usc 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because:

According to 15 usc 1681. I have the right to privacy and i did not give Equifax written permission to furnish these accounts.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXdpt edXXXX XXXX XXXXdpt edXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 was called by XXXX XXXX on XX/XX/21 About an Kay Jewelers Account that was opened without my knowledge over 8 years ago. I was told even if its off my credit I still owed the 500 plus for the account. I told her I did not owe that money & that the account was opened fraudulently. She said it did not matter that I needed to pay. Theyve been calling none stop for the past few weeks with different numbers.That account is very old & doesnt make sense how Id owe money now.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 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
Product: Checking or savings account

I have been trying to open a new bank account but every where I go they say Im in XXXX XXXX because I owe Wells Fargo. I dont even owe Wells Fargo anything. Wells Fargo was taking money from my account! One time they took out over {$200.00} and they could not tell me where the money went.it was others times where small amounts was missing from my account or I would get charge fees I didnt even know about.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is incorrectly reporting me as an Authorized User on the XXXX/XXXX  - partial account number XXXX. ( Please see page attached from my credit report. ) I called XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX and XXXX. I have contacted the bureau to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.
Product: Debt collection

A collection of {$390.00} was removed from my credit report by XXXX XXXX on XXXX XXXX, XXXX. Now a year later there is another collection for the same amount but from a different creditor on my credit report reported XXXX XXXX XXXX. It appears the creditor STELLAR RECOVERY INC has put it on my credit report without me being informed to give me my right to dispute it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because Experian did not help me remove the accounts after so many attempts of writing dispute letters.. I asked for evidence, any documentation that could prove the accounts are my responsibility but they didn't..CFPB step up and remove XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   HAS BOUGHT AN OLD, 15 YEARS OLD, WRITTEN OFF CLOSED ACCOUNT OVER 15 YEARS OLD AND REFUSES TO REMOVE THIS FROM CREDIT REPORTING AGENCIES AND WHEN I TELL THEM TO STOP THEY JUST SELL THIS OLD CLOSED WRITTEN OFF, CLOSED ACCOUNT TO ANOTHER COLLECTION AGENCY OVER AND OVER AND OVER AGAIN!
I HAVE CALLED THEM, WRITTEN THEM, EMAIL THEM AND THEY ALWAYS SAY "OK WE WILL REMOVE THIS ACCOUNT" BUT THEY JUST SELL IT TO ONE OF THEIR OTHER COMPANIES.
THEY ARE VIOLATING MY RIGHTS UNDER THE "FAIR CREDIT REPORTING AND COLLECTION ACT. OVER AND OVER AGAIN!
Product: Credit reporting or other personal consumer reports

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX  XXXX