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

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX SOC SEC # DOB CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX/XXXX Closed : XX/XX/XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX NOT MY AUTHORIZED USER XXXX XXXX BANK XXXX {$5100.00} Last reported : XX/XX/XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b )  .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 )  Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports. 

Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit bureau mishandled my information and allowed me to become a potential victim of identity theft. When i check on the website it told me my information was part of the leak that occurred in XXXX of 2017.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed back in XX/XX/2022 there was a fraudulent item Affirm loan and services on my credit report. I contacted Affirm Ioan and services with no results. I disputed this item 3 times with proof and documentation with XXXX. Unfortunately this item has not been removed. I want this item removed from my credit report. My credit is important to me. I have rights under the FRCA act that has not been followed. I will contact an Attorney if cfpb can not help. Also this item only reports on XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Experian Credit Agency XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX To Whom It May Concern : I recently received a copy of my Experian, XXXX, and XXXX Credit Report and I noticed that late payments from XXXX XXXX XXXXXXXX is still posted on my report : XXXX XXXX XXXX Account # XXXX. Your company is in clear violation of the law. Under 15 USC 1681B-permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( A ) IN GENERAL 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. I did not give written instructions to furnish this account on my credit report. Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS-Except as provided in paragraph ( 3 ), the term consumer report Does not include- ( A ) Subject to section 1681S-3 of this title, any- ( I ) report containing information solely as to transaction or experiences between The consumer and the person making the report : DELETE this account from my consumer report. This agency is in violation of 15 USC 1681. Failure to respond satisfactorily with the deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal action being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of character. 2. Negligent Enablement of Identity Fraud. 3. Fair Debt Collections Practices Act 15 USC 1692g violations. 4. Fair Credit Reporting Act 15 USC 1681 Violations for willful noncompliance 616. Civil liability for willful noncompliance-15 USC 1681n . Best Regards, XXXXXXXX XXXX
Product: Debt collection

To Whom This May Concern, PORTFOLIO RECOV ASSOC I am unaware of this debt. I did not have the opportunity to dispute this debt. I did not recieve proper notification. If in fact you believe that I received proper notification, please provide the certified mail with a receipt with my signature on it stating that I received it. 

Collection agency has no authority to furnish any account to a consumer agency without providing any and all disclosures required by law, and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) I am disputing owing any and all depts. I am also revoking all rights of them ( PORTFOLIO RECOV ASSOC ) communicating with me through email/text/calls. I would also like to request the purchase agreement between PORTFOLIO RECOV ASSOC and the original creditor. Along with furnishing proof of license and bonded.

Also 15 USC 1692 ( c ) states that 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: Credit reporting or other personal consumer reports

RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

15 U.S. Code 1666b - Timing of payments ( 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 1637 ( b ) Statement req
uired with each billing cycle is mailed or delivered to the consumer not later than 21 days before the payment due date.

The items below should all be updated to paid as agreed on my consumer report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/2023 XXXX XXXX XXXX  XXXX XXXX XXXX Tn XXXX Subject : Notice of Unauthorized Use of Credit Report Dear EXPERIANXXXX, I am writing to bring to your attention a matter of great concern regarding the unauthorized use of my credit report. Upon reviewing my credit history, I have discovered inquiries and activities that I did not authorize. 

Details of unauthorized activities : XXXX. It has come to my knowledge and understanding that you have inquired upon my consumer report on XX/XX/2023 and XX/XX/2023. 

I request that you investigate this matter promptly and take appropriate action to rectify the unauthorized use of my credit report. Please provide me with a detailed report of your findings and the steps taken to resolve this issue. 

Enclosed with this letter are copies of relevant documents supporting my claim, including [ list any supporting documents ]. I trust that you will handle this matter with the urgency it deserves to ensure the integrity of my credit report is restored. 

I appreciate your prompt attention to this matter and look forward to a swift resolution. 

Sincerely, XXXX XXXX XXXX Enclosures XXXX [ List of supporting documents ] l
Product: Debt collection

( SANTANDER CONSUMER USA ), continued attempts to collect debt I do not owe. 

I have disputed ( SANTANDER CONSUMER USA ) account number XXXX because the debt is not mine with the XXXX credit bureaus on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. But to no avail the item remains on my report. 

( SANTANDER CONSUMER USA ), has not provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XX/XX/2022 Location XXXX XXXX XXXX XXXX, IN XXXX Phone ( XXXX ) XXXX Inquiry Type Individual in accordance with the Fair Credit Reporting act 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: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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

Synchrony/ Rooms to Go- ( XXXX ) open date XX/XX/XXXX reporting Limit {$1500.00} balance owed is {$0.00} reporting late payment, account has been closed Synchrony/Rooms to Go- ( XXXX and XXXX ) {$1800.00} credit limit, closed account opened XX/XX/XXXX XXXX. XXXX XXXX- open XX/XX/XXXX XXXX, XXXX and XXXX XXXX balance owed 0. XXXX. XXXX XXXX open date XX/XX/XXXX ; Balance owed {$1800.00} ( XXXX XXXX XXXX and XXXX ) XXXX. XXXX XXXX - XXXX {$1200.00}, day opened XX/XX/XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX reporting to XXXX I have disputed these accounts with each creditor. All accounts are stating paid as agreed but showing closed and negatively affecting my credit report showing inaccuracy. I have also asked them to remove all these accounts immediately from my credit report.
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased a XXXX pre-paid MC Debit Card from the Gift Card Rack at XXXX XXXX for {$300.00}. I had some Cash that I wanted to use for a purchase online and since I already had a XXXX Acct I thought this was a valid option. The only real information visible on the packaging was that it was not a gift card. I was aware of that, however I thought it would work like a reward debit card for which I have had several and found them easy an convenient to use. It was not until I tried to activate the card that I realized that something was not right. Initially I explained that I purchased the card for a one time transaction and that I assumed the card was active until the balance was used. The answer I received was 'yes you can do that ' Turns this card had an expiration date of XX/XX/XXXX. Then I went through a lengthy credit interview and realize that this was a not what I thought it was. Because I had already purchase the card I felt I had not other option so I activated the card. Next I went the use the card and was unsuccessful. I conducted the transaction on XXXX where I now have an active Debit & Credit card to make purchases. The purchase I was making was {$340.00}, I wanted to use the entire {$300.00} balance on the Debit and charge the remaining balance {$40.00} to my credit card. That transaction failed, when I call XXXX support that's when I found out that the XXXX Debit card was not actually XXXX and that they could not help me. I ended up applying the entire purchase on my credit card. So over the last month or so I have used up the balance on the debit card on smaller transactions and have keep track of the balance. On the last purchase attempt the transaction failed because I was overdrawn. When I called them I was told that I was over drawn and had a - {$2.00} balance and that include the $ XXXX monthly service fee. When I told them that this is not how I thought this would work and that I acquired this card for a onetime purchase they said they would cancel the account. I said yes and the agent said ' one minute ' when she can back she said she took care of it. Then I said now I would like to pay off the {$2.00} balance she said I could not because she had already cancelled the account. So I never did use the entire balance on the card ( {$1.00} remaining ) The next day I received new XXXX prepaid Debit card in the mail with my actual name on it and a new account number and a new expiration of XX/XX/XXXX. I did not ask for this card and I have not activated it. 

Lastly I was not aware that this was a netspend acct. until I fill out the complaint. It was not mention in any of the documentation I have from them.
Product: Credit reporting or other personal consumer reports

I Can not see my report. TRANSUNION IS VERY HARD TO DEAL WITH. THEY WONT SHOW SCORE, MISUSE MY FREE CREDIT CHECK SO I CANT USE IT. THEN PLAY GAMES LIKE SENDING BACK SECURE DOWNLOADS OF REPORTS I CAN NOT ACCESS ... ITS THERE PLOY TO NOT GIVE TOU THE INFORMATION THEY HAVE. BUT XXXX THEN THROUGH XXXX & YOU CAN SEE YOUR TRANSUNION. TOOK ME OVER A YR AND A HALF TO FIGURE IT OUT! ( CREDIT GOES TO THE WIFE! ) THEY Play hard ball because they know they've Re-inserted old claims back onto your profile. And don't want you to see them, let alone correct or dispute them. 
I Believe they wer part of selling my information to third parties collective companys...
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of the item I tried numerous times to dispute this inquiry as XX/XX/21 to this date
Product: Credit reporting or other personal consumer reports

Applying for auto insurance and Equifax report comes back that I've been at current address 8 months ; when in fact we've lived here since XX/XX/year>. I own the home... .NO MORTGAGE! 
Thus I did not get best auto insurance rate available.
Product: Debt collection

This company furnished my credit report without my consent. Equifax sent me a letter saying they deleted the item off my credit report but it still negatively shows on my credit report. Here is what they, equifax sent me in the mail but STILL havent updated my equifax credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified through XXXX that there was a credit alert on my account. The alert said that AES was trying to reach me and was unsuccessful. My email and phone number have not changed in well over 10 years and I have lived at the same address for nearly 7 years. I immediately logged in to my AES account and could clearly see that my contact information had not changed. I reached out to AES via their online chat and I was told by the agent that my contact information had " inadvertently been removed '' and that I would need to contact AES by telephone. I explained that I was looking at my contact information on the AES wesbite and that it had not changed and was not removed. The agent told me that there was no contact information on their end, despite me receiving monthly statements by mail regularly. I filed a dispute through XXXX which resulted in " the information you disputed has been verified as accurate ' when in fact the information is not accurate. My contact information never changed and if AES was unable to locate my contact information, it was through no one 's fault but their own. I have attached the chat log in which the agent admits that the problem with the missing contact information was in fact the fault of AES.
Product: Debt collection

The Gym location I joined closed permanently ( XXXX, NJ location ) in XXXX ; therefore, I cancelled my membership and put it in writing as instructed to do so by XXXX in Membership services and XXXX in Accounting. They moved XXXX memberships to XXXX XXXX location in XXXX and said they would freeze my membership and asked me to reconsider my cancellation. 

I said I did not feel safe coming back to the gym due to the Pandemic and because I had family members who died from exposure XXXX in similar environments. 

XXXX said he never got my cancellation letter that I hand delivered to the front desk and said to mail it ; which I did. Now he is saying he never received my cancellation letter from XXXX and that my membership was unfrozen in XXXX, XXXX without my knowledge or consent. I again reminded XXXX that I did as he instructed and cancelled my membership in writing-twice now. My membership was a joint membership and the other membership was cancelled with no issues. I feel as though I am being targeted and preyed upon for {$190.00} which according to XXXX at XXXX XXXX includes Attorney fees and other fees. I followed XXXX XXXX 's protocol for cancellation and they are still demanding that I pay fees for which I cancelled the membership a long time ago.
Product: Checking or savings account

In XX/XX/XXXX, small amounts of money were taken out of XXXX XXXX checking account without XXXX XXXX 's authorization. XXXX XXXX reported that theft to Wells Fargo promptly, and Wells Fargo eventually reimbursed XXXX XXXX for the small amounts. 

XXXX XXXX cancelled that ATM card and instructed Wells Fargo that someone was stealing his mail and not to send a replacement card through XXXX or XXXX XXXXXXXX or registered letter. XXXX XXXX offered to pay the extra cost of sending a replacement card in a more secure way. 

Instead, Wells Fargo ignored XXXX XXXX and mailed a replacement card which was apparently taken from XXXX XXXX mailbox. 

On or about April 23-24 2022, a thief withdrew {$1900.00}. XXXX XXXX reported the theft to Wells Fargo as soon as he discovered it, within about a week. 

Wells Fargo launched a fraud investigation and sent XXXX XXXX a letter denying XXXX XXXX 's claim. 

XXXX XXXX and his XXXX XXXX attorney spent over an hour on the telephone on XX/XX/XXXX trying to call Wells Fargo to resolve the matter. Wells Fargo representatives transferred the call several times, but then hung up on XXXX XXXX XXXX times without offering any information about how to resolve the matter.
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 has violated my rights, Account name : XXXX XXXX XXXX # XXXX has violated my rights Account name : XXXX XXXX XXXX # XXXX has violated my rights Account name : XXXX # XXXX has violated my rights Account name : XXXXXXXX XXXX # XXXX has violated my rights Account name : DEPTEDXXXX # XXXX has violated my rights Account name XXXX DP OF EDUC  # XXXX has violated my rights Account name : DP OF EDUC # XXXX has violated my rights Account name : DP OF EDUC # XXXX has violated my rights Account name : DEPTEDXXXX # XXXX has violated my rights Account name : DP OF EDUC # XXXX has violated my rights Account name : DEPTEDXXXX # XXXX has violated my rights Account name : DEPTEDXXXX # XXXX has violated my rights Account name : DEPTEDXXXX # XXXX has violated my rights Account name : DEPTEDXXXX # XXXX has violated my rights Account name : DP OF EDUC # XXXX has violated my rights Account name : XXXX XXXXXXXX # XXXX has violated my rights Account XXXX : U S DEPT OF EDXXXX # XXXX has violated my rights Account name : U S DEPT OF EDXXXX # XXXX has violated my rights Account name : U S DEPT OF EDXXXX # XXXX has violated my rights Account name : U S DEPT OF EDXXXX # XXXX has violated my rights Account name : U S DEPT OF EDXXXX # XXXX has violated my rights Account name : XXXX XXXX  Bankruptcy # XXXX has violated my rights Account name : U.S. Bankruptcy Court # XXXX has violated my rights Account name : XXXX XXXX Bankruptcy # XXXX has violated my rights Account name : US BKPT CT NY 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 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 t
Product: Debt collection

My first complaint here CFPB XXXX About garnishing my wages of a debt of years ago. 

Second complaint here CFPB XXXX Started to garnish my wages but increasing the amount I owe. 

Both complaints stated I owe {$1300.00} So why they garnished {$2300.00} In top of that I was let go of my job because of this garnishment was update not once but twice for a large amount.
Product: Mortgage

I applied for assistance for our mortgage on XXXX XXXX, 2015 via our attorney. Our servicer is PNC. They confirmed our application for assistance was under review and we awaited the response from PNC. We received a letter of denial dated XXXX XXXX, 2015. We are in the process of appealing that finding via our attorney within the allotted 30 days allowed by law. During the timeline when we were under review for assistance, the foreclosure attorney for PNC initiated a foreclosure by recording a Notice of Default on XXXX XXXX, 2015. We are being told this is illegal and it is called dual tracking. Our attorney contacted PNC and they state that our mortgage and property is on hold and a notice of default should not have been filed. Our attorney then contacted the foreclosure attorney, XXXX XXXX and they state they have no info from PNC stating the loan/home is on hold. Both parties say to have the other call them. Neither is willing to call the other.
Product: Credit card or prepaid card

XX/XX/2018 - purchased timeshare under predatory standards. XXXX XXXX XXXX issued credit cards via Bank of America immediately. Currently paid agency to terminate our Timeshare but we still have the balance with Bank of America that we would like forgiven due to the circumstances. We have 2 cards issued to us. XXXX and XXXX XXXX