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

I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENTITY THEFT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.
Product: Credit reporting or other personal consumer reports

I am writing to express my profound dissatisfaction with the ongoing presence of a fraudulent account on my credit report. Upon reviewing my credit report, I discovered account that do not belong to me. Therefore, I request the removal of this account from my credit report. I request that you conduct a investigation into this account and promptly remove it from my credit report. Please inform me if you require any additional information or documentation from me to facilitate this process. XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an unauthorized credit inquiry on my XXXX from Pentagon Federal Credit Union dated XX/XX/2017 that I did not authorize.
Product: Credit card or prepaid card

I've notified netspens on multiple occasions since XX/XX/2022 about fraudelent transactions on my account totaling {$14000.00}. I could not have made the purchases or activated the card as I was incarcerated by mo. XXXX of corrections. Netspend has ignored all requests.
Product: Credit reporting or other personal consumer reports

ILOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Product: Vehicle loan or lease

My husband and I have decided to voluntarily surrender a vehicle. It is a XXXX XXXX XXXX. It was refinanced through CapitalOne Auto Finance in XX/XX/XXXX in my name only. CapitalOne has not put the lien on the vehicle even though I sent the paperwork to transfer title almost a year ago. We are in the process of filing a bankruptcy. 
I called them to tell them to come pick up the car and wanted to arrange a date and time with them so I could give them the keys. I have made several dozen calls - each time getting no assistance from the reps. Four times being disconnected when they were attempting to get someone on phone to help me. 
The last call I told them they have until end of month to pick up or I'll sell because they are not doing anything to resolve this. We stopped paying on it in XXXX - this is all Covid related, but just need to get rid of this vehicle. They appear to not want it back. Need some help getting this taken care of.
Product: Debt collection

I was contacted by a company called citifinancial via telephone for an outstanding credit card debt originally held by Citibank. To resolve it, I paid the debt on XX/XX/2018. I tried to contact the company for a letter indicating the debt was paid. No response. I looked at the charge and it listed XXXX XXXX XXXX   XXXX, not citifinancial. I attempted to contest the charge as fraudulent to my bank. They would not pursue as the charge was at a company more than XXXX miles from my home. I paid {$4200.00}. I then paid the same account to a second company who was legitimate and sent written verification debt was resolved. The first payment is now money lost by me. Request assistance. I have made multiple attempts to contact XXXX XXXX XXXX XXXX and they will not return my call. They misrepresented who they were and they did not hold the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently revlewed my credit prollle and noticed inaccuracies and/or Incomplete intormation, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all Information that is inaccurate, Incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C. 5 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, Incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.

I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated Metro 2 data formatted reporting standards according to regulations.

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN, COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY. even right NOW! The obvious infractions are as follows : Alleging Creditor and Account as is reported on my credit report : dispute Item and explanation.

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted XXXX  Metro 2 COMPLIANCE regulations, I demand that these below mentioned derogatory items be investigated and permanently removed from my report. 

XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXXXXXX XXXX
Product: Debt collection

1. The XXXX XXXX XXXX send me a letter dated XX/XX/XXXX, had been retainedby New Jersey Highet Education Student Assistance. Notice of opportunity to contact within 30 daysto dispute the debt and statement they are debt collector. The letter was never sand regular or certified. 
2. I respond on XX/XX/XXXX, In that letter I asked XXXX XXXX XXXX , XXXX. to validate the date. The letter stated to respond to a specific Notary Public, within 30 days. The leter was send by certified mail and received by XXXX XXXX XXXX, XXXX. on XX/XX/XXXX. 
3. I also pulled down my credit report and saw that this debt had been charget off. 
4.XXXX XXXX XXXX garnished pension of the co-signer, on the amount of {$2000.00} with out notifying me as primary creditor. ( This is a felony ). 
5. I was servet withlawsuit on XX/XX/XXXXXXXX XXXX XXXX XXXX regarding this maner.
Product: Credit reporting or other personal consumer reports

I have inquiries that do not belong to me and an account that is not mine i need help removing this - These are unauthorized inquiries that do not belong to me I need help removing this i am creating this identity theft reporXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX idenrtity theft reprt attached
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting disputes for the past 6 months and the credit compines have not been getting back with me
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries.
Product: Credit reporting or other personal consumer reports

Inquiries on my credit report that I dont know about and my name is not being shown in the credit bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

I was alerted through my credit card watch that an unauthorized hard inquiry was completed on my credit report without my consent. I did not authorize One Main Financial to process any credit checks on my behalf. I have never had any dealing with this company. 

I called their customer service number on XX/XX/XXXX who forwarded me to a local branch based on my zip code. I spoke with two different agents who claimed my information was not found in their system despite their company information showing on my credit report. 

I was advised to contact the credit companies with my concerns. The inquiry on my credit report shows as follows : ONEMAIN FINANCIAL Inquiry : XXXX. XXXX, 2023 - Finance/Personal ( XXXX ) XXXX See an error? 
Find out how to dispute a hard inquiry Institution Information ONEMAIN FINANCIAL XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX
Product: Student loan

I paid off my student loans six years ago and still have the document from XXXX XXXX congratulating me on paying them off. This was in part due to an anonymous payment of about {$15000.00} made to my account about six and a half years ago. When I called to ask about this anonymous payment, I was told that they could not reveal where that payment had come from, but that it indeed was there in my account. I paid off a few thousand of what remained of the loan and received the letter stating the complete discharge of the loan. Five years later, XXXX XXXX or its surrogates began contacting me through mail and phone saying that I had not paid off the loan and that the XXXX was a mistake that they had made. I have not received any proof that this was a mistake, just the assertion of it along with notices of default and threats of tax return garnishment, wage garnishment, or other legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, EQUIFAX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$2900.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : On XX/XX/2023 the items below have been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of reinserting a previously deleted item ( 15 U.S. Code 1681i ( a5B ) ). I did not receive any such notification. Delete the items immediately or I will be forced to take legal action! 

Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I discover accounts that I did not authorize. I'm sorry that I did not recognize or apply for about further investigation. I realized that my personal information was exposed, and several data breaches as well. 
I have no recollection of applying for any of these accounts in question, and they are negatively, negatively. Oh, my gosh! Impacting my credit per section 50, Usc, 1,681 c dash 2. Any fraudulent accounts. That I did not authorize or signed a contract for must be removed off my credit report in 4 days. 
These these fraudulent accounts are not only damaging my credit, but also causing me significant stress and XXXX Okay, I have no connection to these accounts, and urgently request their immediate removal to prevent to prevent any further harm to my financial well being
Product: Mortgage

We took out a loan through our local community for home XXXXmprovements such as double paned windows. The loan was sold to Santandar bank many years ago.

We attempted to pay what we owed, but they are telling us there is a recording fee. From memory the recording fee was {$25.00}. 
Santandar has given us at least three different recording fees. When they send us a monthly bill, we pay it, they deposit the check, and then cut us a check in the same amount. We have not deposited any of their checks to us. 
Three weeks ago I asked a Santandar representative for a copy of the contract, they have not provided a copy of the contract. 
I have contacted the Pennsylvania State Attorney General office and they have not heard back from Santandar. This is well over a month.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.
Product: Mortgage

NewRez bought my loan starting on XX/XX/XXXX. My first payment to them was due on XX/XX/XXXX. I summitted my payment on XX/XX/XXXX via their mobile app. The company rejected my payment for no apparent reason as the bank account had the funds available. The bank was never charged for the amount. NewRez then added a {$20.00} NSF fee to my account. I reentered my payment on XX/XX/XXXX to be drawn from the same bank account. The payment processed without issue. I contacted NewRez to remove the NSF fee because there was no reason the first payment should have been rejected. NewRez did not remove the fee. I payed the fee on XX/XX/XXXX to avoid it going to collections. I looked up online and found a few other complaints of NewRez rejecting payments made on the App for no reason. I think my first payment was rejected due to an issue on their app and I am not responsible for it. It is possible I entered in the wrong bank info. If I by mistake entered the wrong info I should have been made aware that the bank account was not valid and not charged a NSF fee as well. The bank account this payment was from shows a record of a XXXX transfer from my other bank on XX/XX/XXXX of around {$1400.00}. It shows other bills be drawn this account in in the days that followed. I can prove the account had the required payment in it on the date the first payment should have been applied if needed.
Product: Credit card or prepaid card

I have the apple credit card from Goldman Sachs. XXXX has disabled my account from receding XXXX XXXX rewards and has also disabled being able to receive and send XXXX XXXX, When I call to ask them why they tell me its against company policy to tell my why. Im not even receiving XXXX XXXX rewards anymore, I used to at least still receive it and was able to use it to pay off the apple card, now I cant even do that!
Product: Credit reporting, credit repair services, or other personal consumer reports

This company failed to provide proof of debt I asked them to cease collection activities until proof of debt is received.. They have failed to provide the requested information which caused my credit score to drop 35 on XXXX XXXX!
Product: Credit card

American Express ( AMEX ) is charging me {$3000.00} in fraudulent charges. While I was in XXXX, my colleague and I visited XXXX of their night clubs. I received my bill for {$1600.00} and paid it with my XXXX credit card. After talking with the management about the service that I received, they agreed to reduce my bill and charged by AMEX {$1200.00} and told me that they would void my XXXX transaction. Which they did n't and I had to file a separate dispute with XXXX, who immediately credited my account. My colleague received his bill for {$3000.00} and was unable to pay it due to not alerting his credit card companies that he was over seas. After multiple hours of waiting for him to settle his bill by talking to the credit card companies over the phone, I finally agreed to pay his bill so that we could leave. The night club charged me {$3000.00} and then {$2600.00} for the same bill. As soon as I received my alert from AMEX on my phone I immediately called and told them that this club had XXXX charged me. AMEX claimed that I had to wait for the transaction to post before I could dispute it, in case it was simply a hold placed on the card while they checked to see if the larger transaction would go through since my colleagues cards had been declined. Once the transaction posted, I disputed the charge for {$2600.00} and was denied. I then thought that perhaps the {$3000.00} was the fraudulent charge and disputed that, again they denied me. Next I showed them how XXXX receipts had the exact same service listed and again disputed XXXX of the charges and they still denied me. None of these times was I ever contacted my AMEX or explained why they felt that these XXXX charges were valid. For a company that actively promotes their protection against fraudulent charges, I was extremely disappointed. Especially since I was willing to pay the other XXXX charges without any problems and have done a lot of business with AMEX over the years.
Product: Credit reporting or other personal consumer reports

I am currently in the process of purchasing a home and have discovered discrepancies on my credit report. According to the 15 USC 1681 law, my credit report should not contain any inaccuracies or damages. The presence of such discrepancies is not only affecting my ability to secure a home loan but also constitutes defamation of my character.
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.

XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make 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.

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 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: Payday loan, title loan, or personal loan

I had a loan taken Opened XXXX XXXX, XXXX through XXXX. This loan was sold to another company SST and somehow the balance jumped to {$4500.00}. However, As reported on XX/XX/XXXX, I only had a balance of {$2100.00}. They seem to have lost track of this balance completely, and to make matters worse, they sold off to another company with the number of XXXX ( was not given the name ). Neither party seems to be in possession of the loan and I have called on multiple days. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I believe. There seems to be a lot of misdeeds related to this personal loan and I simply wish to pay it and get it off my credit report, as this loan was originally intended to help me increase my credit report, not trash it. We were given little notice that the original company went under.