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

Name : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, Texas XXXX Date Of Birth : XX/XX/XXXX Social Security : XXXX XXXX, XXXX XXXX Experian ( URGENT MATTER ) XX/XX/XXXX I intend to challenge a dispute with a FTC report for the items listed below as Fraudulent. Please remove all from my credit report. 
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.

Items listed above, have 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 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 ( AN ( 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. 
Remove Unauthorized Fraudulent Accounts Listed Below : FCRA Law 1 ) XXXX XXXX ( XXXX ), Date Opened : XXXX XXXX, XXXX, Balance : {$39000.00}, Account : charged off XXXX ) XXXX XXXX ( XXXX ), Date Opened : XX/XX/XXXX, Balance : {$34000.00}, Account : charged off. 
XXXX ) XXXX XXXX XXXX ( XXXX ), Date Opened : XX/XX/XXXX, Balance : {$21000.00}, Account : charged off. 
XXXX ) XXXX XXXX XXXX ( XXXX ), Date Opened : XX/XX/XXXX, Account : Closed. 
XXXX ) XXXX XXXX ( XXXX ), Date opened : XX/XX/XXXX, Balance : {$3400.00}, Account : Collections Remove Unauthorized Fraudulent Inquiries Listed Below : FCRA Law 1 ) XXXX  / XXXX XXXX ) XXXX  / XXXX XXXX ) XXXX XXXX XXXX / XXXX XXXX ) XXXX XXXX / XXXX XXXX ) XXXX XXXX/ XXXX XXXX ) XXXX XXXX / XXXX XXXX ) XXXX XXXX XXXX / XXXX For the following Account Listed Update Account Payment Dates for XX/XX/XXXX and XX/XX/XXXX ( 15 U.S. Code 1666b - Timing of payments ) XXXX XXXX  ( XXXX ), Opened Date : XX/XX/XXXX, Balance : {$59000.00} FCRA Law Statement : If the above accounts can not be verified, they must be removed immediately according to FCRA Section 609 & 611. If your company fails to comply, you will be required to appear in a court venue. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company.
Product: Credit reporting, credit repair services, or other personal consumer reports

The class action multi state settlement includes my loan repossession I have called XXXX XXXX attorney generals office for both the state I reside and sate I resided at the time. The settlement administrator I get ran through circles and told I just have to wait no timeline given. Currently trying to obtain a mortgage and this is XXXX on my credit. I have been trying to get a resolution for weeks and its so frustrating and disheartening. You try to clean up your credit for going on 3 years now but they dont want you to win you will be charged less money if you get back to where you once was.
Product: Credit reporting

Today XXXX/XXXX/2013, I initiated a dispute of some negative items on my Experian credit report. I attempted to dispute these items but was unsuccessful. Experian claims these items are still under investigation yet the company continue to update negative information on each negative items. In addition to this each items investigation has not concluded in the 30 day time period.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX of XXXX, I started trying to fix this issue. There are accounts and personal information that are showing on my credit report that are not mine. Letters was sent to the 3 credit bureaus ; XXXX, XXXX and TransUnion on XX/XX/XXXX and nothing has been done.
Product: Checking or savings account

PNC sends me emails in the following form even though I dont access my account online. The instructions for if I didnt sign-on are useless. PNC says that the user ID is invalid. But they continue to send me these email messages warning me to change my password. 
XXXX  User ID ending in XXXX was used to access your PNC Online Banking from a new computer, mobile device or tablet Do you recognize these sign in details? 

Device Description : XXXX XXXX Browser : Chrome Date and Time : XX/XX/2024 XXXX XXXX XXXX Location : XXXX, NY XXXX Here 's what you can do : If you did sign on using this device, you don't need to do anything. 

If you didn't sign on using this device : Sign on to PNC Online Banking or the PNC Mobile App and change your user ID and password. It's important to choose a user ID and password you haven't used before, and that you only use with PNC. If you need help, call us at XXXX. 
Review your transaction history and if you see any transactions you don't recognize, call us at XXXX to report the unauthorized activity. 
About this email : Please do not reply to this email. This mailbox is not monitored. 

This message was sent as a service email to inform you of a transaction or matter affecting your account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  - {$13000.00} XXXX XXXX XXXX  {$13000.00} XXXX XXXX XXXX  {$13000.00} XXXX XXXX XXXX XX/XX/2023 {$13000.00} XXXX XXXX XXXX {$13000.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$13000.00} I never gave written consent to any of the following financial institutions to inquire about my credit history per 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. They need my written consent to add anything to my consumer report if I did not give this authorization that is a violation of the Fair Credit Reporting Act
Product: Credit reporting or other personal consumer reports

My account with ( XXXX  ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( XXXX  ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I recently found out that Im a victim of identity theft, and reviewed a copy of my credit report. I found an account and numerous inquiries on my credit report that were not open by me.

The credit bureaus is neglecting my consumer rights and the ECOA. This breach exposed my personal information and led to numerous fraudulent accounts and inquiries being added. Under 15 U.S. Code 1681c2, the credit bureaus is legally required to block all fraudulent information within 4 business days of receiving my identity theft documentation. 

Please remove the fraudulent accounts and inquiries from my credit report as soon as possible. 

XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

XX/XX/20 used atm that did not dispense cash. XX/XX/20 called money network and dispute transaction. They said that they would credit my account and mail a dispute letter within 3-5 days. I called 3 times days after because I didnt get letter or credit. After 9 days I received letter I faxed and mailed. After many calls I am told merchant agreed to return my money. Yet after 30 days I still have not received my money and getting a run around
Product: Credit reporting or other personal consumer reports

Due to my previous correspondence concerning inaccuracies within my credit file, Transunion has regrettably declined my request for a copy of my credit report. I find myself presently barred from accessing this information online, which has created an urgency in obtaining my credit report, as I am in the process of applying for a mortgage.
Product: Credit reporting or other personal consumer reports

Report Number XXXX XXXX Experian updated Fraudulent disputes! So since these fraudulent informationa as Experian states their Verified and Accurate. these accounts are fraudulent XXXX XXXX XXXX XXXX  account : XXXXXXXX XXXX account : XXXXXXXX XXXX XXXX  account : XXXX XXXX XXXX XXXX account : XXXX XXXX XXXX XXXX account : XXXX XXXX XXXX XXXXXXXX account : XXXX Delete these fraudulent placements . these accounts don't match my current address! 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information.Relevant Legislation : 15 U.S.C. 1681b ( c ) : Permissible purposes of consumer reports 15 U.S.C. 1681g ( a ) ( 5 ) : Information on free annual file disclosures 18 U.S.C. 1028A : Aggravated identity theft 15 U.S.C. 1681b : Conditions for furnishing and using consumer reports 15 U.S.C. 1681 : General provisions and definitions 15 U.S.C. 1681c-2 : Blocking of information resulting from identity theft Action Requested : Under the provisions of the FCRA, I formally request that you : Block and delete all fraudulent accounts and inquiries listed above from my credit report. 
Refrain from including any information on my credit report that has resulted from this identity theft. 
Provide me with a corrected copy of my credit report reflecting these changes. 
Legal Rights : According to 15 U.S.C. 1681c-2, you are required to block the information resulting from identity theft within four business days of receiving my request. Additionally, under 15 U.S.C. 1681g ( a ) ( 5 ), I am entitled to a free copy of my credit report reflecting these changes. 
On my Credit report all these accounts were under bankruptcy and Experian updated Fraudulent disputes as accurate information. How the XXXX can you violate my consumer rights? EXPERIAN REFUSES TO REMOVE INACCURATE ADDRESS AND INQUIRIES/XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  XXXX  Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX Experian has been sent my updated information by mail as required and it's been past 30 days and yet they haven't updated my current address yet! Experian policy isn't above the FDCPA or FCRA law!
Product: Credit card or prepaid card

After splitting from my ex-XXXX XXXX and him moving out I received a statement from Home Depot regarding a credit card. I contacted Home Depot made them aware this account was opened fraudulently, and I NEVER opened this account. After discovering what was purchased, I was quickly able to identify who opened this account in my name. I contacted XXXX and asked him about this, and he laughed saying no one will do anything to him and used foul language. I made Home Depot fraud department aware who used this account asked if I should file a police report and was advised no. However, this account has been taunting me I have offered EVERYTHING to validate I did not open this account I have no association with this account, and nothing is being done. After this I will be filing a suit to get this resolved. Pull each call I have made you guys aware offered police reports and they refused to accept them advising me its not needed.
Product: Debt collection

Keep calling my phone and I have said to stop calling. They call at random times when I am at work.
Product: Money transfer, virtual currency, or money service

Was needing a place to live saw an offer on XXXX XXXX went for it used cash app XX/XX/2021 XXXX XXXX XXXX XXXX to give this person a deposit who was posing as someone who owned a house in XXXX XXXX Texas using information about the house that had key locks and apps that connect to it and info to get the key. So we thought it was real being first time renters, even emailed a lease we gave him XXXX payment ( XXXX, ) through cash app we gave his number to some friends who needed homes and we found out he was giving that address out to others and confronted this person, requested our money back on cash app and reported this person. I see that they still have a cash app account but just changed their name I'm very upset my year has been totally ruined my family still trying to get back up from this cash app pulled oooh sorry we just can't help you.
Product: Debt collection

-- -- -This is not a duplicate -- -- -Southwest credit systems LP reports to XXXX  that I opened an account on XX/XX/XXXX with XXXX. I did not open an account with XXXX, nor have I had an account with XXXX in years. This information is incorrect and must be removed from my credit reports. 

How can an account opened in XX/XX/XXXX already be in collection to a third party debt collector in XX/XX/XXXX?

I need validation of the debt. 

I'm requesting all further collection attempts including reporting to all credit bureaus be stopped. 

I'm requesting a validation of the amount owed. 

I'm requesting all payment history. 

I'm requesting the date of first/last delinquency. 

I'm requesting a copy of the information that was used to validate my identity when they account was opened. 

I'm requesting that you refer to the last company that purchased this debt that is no longer reporting to my credit because they couldn't validate the debt. 

I'm requesting that you refer to my first complaint to your company before preceding with this one.
Product: Credit reporting or other personal consumer reports

XXXX closed the account with Fortiva on XX/XX/2024, due to the deceitfulness of XXXX XXXX account terms. I contacted Fortiva about this account and was informed that the account was closed. XXXX has scheduled to pick up all the equipment on XX/XX/2024, and not to worry about any issues with the closed accounts as I am currently in Bankruptcy. As a result, Fortiva has retaliated by negatively submitting erroneous credit disparaging information on my credit report. 

I request assistance to stop this harassment and clear up my credit report due to the fact, that I am in Bankruptcy, XXXX has informed me not to worry about my FORTIVA accounts have been closed with no adverse action and request that FORTIVA stop contacting me as well. 

Here 's the agreement between XXXX to cancel the accounts : On Tue, XX/XX/2024, at XXXX XXXX XXXX XXXX wrote : XXXX XXXX, Thank you for your response. I do want to apologize for the experience you have had with XXXX. XXXX offers the removal of the XXXX equipment for both services. Along with the removal of the equipment XXXX will provide cancellation of the remaining XXXX monitoring contracts and XXXX XXXX XXXX XXXX on both services. 

Please respond directly to this email to accept this offer and move forward. 

Thank you, XXXX XXXX Legal Assistant XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, UT XXXX corporate logo Request FORTIVA to delete the erroneous information on my credit report ASAP and stop contacting me as they charged me excessively. I am a XXXX XXXX veteran and I am dealing with my XXXX XXXX and on a fixed income. 
Respectfully, XXXX XXXX
Product: Credit reporting or other personal consumer reports

These items are listed enemy credit report in which is affectingly score. This affects my daily life. These items are a result of fraud from the data information breach leak. These shall be removed from my credit. 

LATE PAYMENTS XXXX XXXXXXXX XXXX XXXX {$3700.00} XXXX XXXX XXXX - {$0.00} ( past due XXXX XXXX XXXX XXXXXXXX XXXX {$18.00}, XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$2800.00} CHARGE OFFS XXXX XXXX XXXX  {$220.00} INQUIRES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and Equifax credit breach
Product: Credit card

I have had my identity stolen and someone has tried multiple times to open credit with Synchrony bank using my ss #, address and other personal information. I have contacted the credit bureaus and FTC and filed police reports. I had another attempt with the same company yesterday. When I called the phone number on my credit report, I was connected to XXXX different departments. The first person I spoke with " XXXX '' said there was an account opened, then he said he thought it was closed, and I did n't need to worry about it. When I repeated that there was another attempt about four times he finally connected me to the fraud department and I had the same thing happen there. Then the woman " XXXX '' refused to look into the application pending until I insisted several times. Finally she said she found it and started a fraud claim. When I told her the last time this happened ( Three prior attempts ) it took four months to have the inquiry removed from my credit file. Then she told me that was n't her problem and I would have to resolve that with the credit bureau. I reminded her that the last time this happened, the bank requested it be removed. She refused to provide any assistance. I am very upset that I have not been informed of who is doing this and that the person, is still belligerently attempted to open credit with my information. I have asked to bank to put a freeze to alert on my ss # number, and they refused saying I 'd just have to keep calling in and reporting a fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$2400.00} XXXXXXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$290.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 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 are not relating to any transaction by the consumer. 

XXXX XXXX XXXX Balance - ; XXXX. XXXX, XXXX ( Original creditor : XXXX ) XXXX Balance {$560.00} ; XXXX. XXXX XXXXXXXX ( Original creditor : XXXX XXXX XXXX Balance {$280.00} ; XXXX XXXX XXXX XXXX XXXXBalance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX Balance : {$140.00} ; XXXX XXXX XXXX  XXXX ( XXXX Name : XXXX XXXX XXXX ) XXXX Balance : {$390.00} ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX ; XXXX XXXX Inquired XXXX XX/XX/2022 ; XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXX  Inquired on XXXX XXXX ; XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXXXXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX  Inquired XXXX XX/XX/2022 ; XXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXX XXXX Inquired on XXXX XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXX on XX/XX/2022 XXXX XXXXXXXX XXXX  XXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXX XXXXInquired on XX/XX/2022 ; XXXX XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX ; XXXX Inquiry : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have a eviction on account the balance on account is not accurate. The company is charging XXXX more than what final ledger is. This is fraudulent activities.