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

" We are responding to your request that information in your personal credit report be blocked due to identity theft. Based on our review of your request and the information available to us, we have determined that either : your request to block was made in error, or, your request to block information was based on a material misrepresentation, or, you knowingly obtained or should have known that you obtained possession of goods, services, or moneys as a result of one or more of the transactions that you are seeking to block.

Therefore, we are declining your request to block one or more of the items of information. If you have additional relevant information that indicates that the disputed item ( s ) resulted from identity theft, please contact us again and provide this information. If you still believe the disputed item ( s ) is inaccurate, then we will add a statement of continued dispute to the credit report at your request. '' FTC has been made aware that I was defrauded by all " creditors '' and " loans '' as I was deceived into believing I am/was the " debtor '' when in fact, I was the " creditor '' of the transaction by proof of their utilizing my SSN + autograph. Please explain the necessity of the utilization of my SSN + autograph upon the " promissory note? '' I can always issue an IRS-approved 1099AXXXX to settle the so-called debt? All " lenders '' are also " Trustee '' and must accept all Trust " negotiable instruments '' as tender of payment, otherwise, to pay back a " debt/loan '' with " federal reserve notes '' are NOT a repayment of debt as " debt notes '' can not satisfy a payment of another debt. A Beneficiary is always the " creditor. '' The Trustee is always the " debtor. '' Commercial interaction with my SSN establishes a trustee-ship.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Kindly update the following items right away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of collection letters I continued to recieve in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report.
Product: Credit card or prepaid card

I called capital one regarding a {$9.00} charge that was mailed to them but not received on account number XXXX XXXX XXXX XXXX. Because this went deluquent 30+ days it dropped my credit score 50+ points and is preventing me from buying a home. I discovered the issue while trying to obtain a home loan. Capital One said they will do nothing about this even though I have never had this issue with them before and the account was in good standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

im filing because there are inaccuracies on my report that do not belong to me and i wish for them to be removed ive already tried calling and mailing letters hopefully this reaches the right place
Product: Credit reporting or other personal consumer reports

I am personally submitting this complaint regarding late payment entries on my credit record. Upon examining my files, I discovered these late payment notations. Despite sending correspondence about this issue more than a month ago, I have received no reply, nor has adequate validation been provided. I now request your help in addressing and resolving this situation swiftly and efficiently.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any accounts which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these accounts being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following accounts that you must remove are listed below : 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

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 XXXX Account Name : XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX and list of Inquiries. 


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, credit repair services, or other personal consumer reports

After carful review of my credit profile I notice multiple unauthorized inquiries. I filed a police report. Please remove the following inquiries from my credit profile - these are unauthorized inquiries. 

XXXX XXXX  XXXX XXXX - XXXXXXXX XXXX XXXX  XXXX XXXX XXXXE ( XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX ) -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I AM NOT A CREDIT REPAIR COMPANY
Product: Debt collection

OPENED AN ACCOUNT OF THE XXXX CONSUMER COMPANY FRAUDULENTLY ALREADY DISPUTED THIS MULTIPLE TIMES ACCOUNT WITH THE CREDIT AGENCIES AND TO A NOT REMOVED THIS ACCOUNT .. I REQUESTED THIS REPORT TO PROCEED TO REMOVE THIS ACCOUNT
Product: Credit reporting, credit repair services, or other personal consumer reports

I have update my address with XXXX, XXXX, TransUnion, XXXX, XXXX   XXXX, XXXX, XXXX and XXXX and the three credit bureaus, XXXX, XXXX and TransUnion will not report my current Address. I also have disputed negative unverified accounts with XXXX, XXXX  and TransUnion and they come back reporting account was verified but have not sent any proof of Verification and how did they verify my account.
Product: Credit reporting or other personal consumer reports

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. 
( XXXX ) A computation error or similar error of the accounting nature of the creditor on a statement. 

As I know the creditor didn't notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report.
Product: Checking or savings account

Somebody from my XXXX XXXX XXXX XXXX XXXX XXXX called to complain regarding The XXXX XXXX XXXX releasing my XXXX platform tokens from their reported restriction. My tokens do not belong to Chase & were never placed in any fraud claim. The bank is accountable to release my phone number and email back to me XXXX XXXX and XXXX have been my XXXX tokens for XXXX Just because I have closed my checking account did not give your office the right to restrict my Tokens on the network from using other banking institutions, We called the XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX & they promised to release the XXXX XXXX hold XXXX XXXX office says Chase still has my tokens blocked. This is a consumer data violation I need Chase executive office to have them correct and restore back my XXXX access rights. Their actions were completely unjustified. 
Please call me at XXXX Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting removal of the items in which the bureau has failed to verify
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX XXXX - XXXX XXXX XXXX ( XXXX ) Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I received an alert from XXXX and XXXX that Credence Resource Management had placed a collection on my credit report for the amount of {$350.00}. I immediately contacted the company to cease collection efforts as this collection account was fraudulent as my cellphones have always been under my business name and never my personal name. I sent a letter on XX/XX/year>. The company has failed to respond and is still reporting this fraudulent account. I have also disputed with XXXX and XXXX. Both are still reporting the account without properly verifying the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the following inaccurate accounts from my credit report immediately. These accounts does not belong to me XXXX XXXX- account does not belong to me XXXX XXXX- no contract- account does not belong to me XXXX XXXX XXXX XXXX- not contract- account does not belong to me XXXX XXXX- account does not belong to me XXXX- account does not belong to me - no contract
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX ) ( # XXXX ), which was opened on XX/XX/year>. 

Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to " on time '' as they should be, as I was NEVER late. 

Thanks.
Product: Credit card

Hello In XXXX XXXX XXXX I made a purchase on my XXXX credit card, issued from, USAA Company.

Within minutes I realized it was not the real company I thought I was dealing with. 

XXXX is a national company for womans  clothing. I tried to stop and cancel the transaction right away, but I couldnt. I alerted my cc company right away, with in XXXX minutes, to dispute the charge. 

I provided all the information I had, including copys of emails sent to the fake company, the emails they listed. All came back as undelivered. 
I never heard from them and never received the merchandise I ordered. I wrote in my own words what happened. But I could not give them a screenshot of the order. As soon as the card information was entered from the autofill on my XXXX, the site was closed. I couldnt go back and get a screenshot. 

USAA has told me XXXX times they stand by the decision to deny my claim, I did not provide enough information. 

I provided everything I have, never got the items, all fake information about the fake company. 
Screenshot of XXXX information of other customers with the same results and experience. 


I would appreciate your help. 

USAA dispute # XXXX opened on XX/XX/2023 Charged on XX/XX/2023 to my account XXXX XXXX XXXX XXXX FOR {$83.00}. 

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

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Mortgage

My loan servicing company was recently switched to Home Point Financial and we're now in a significant dispute. 

Back in XXXX, I made my first payment and set up an auto-draft moving forward. However, the company, by its own acknowledgement, set up my auto-draft incorrectly. 

As a result, I missed multiple payments, and they reported my wife and I to the credit bureaus. 

The company 's stance is that I should have noticed the error when I received my monthly statements via email. However, the email is simply a link that states my statement is available. The statement itself isn't attached and there's no mention. the account is delinquent. 

I never received any phone call, email, or other correspondence that I missed a payment, until I received a certified letter last week. When I did, I immediately called the company, paid the outdated balance in full, and they remedied the auto-draft error. 

But they are still refusing to contact the credit bureaus to tell them they mistakenly reported my wife and I. As a result, our credit scores have dropped more than 100 points. Please help! 

Thanks, XXXX and XXXX XXXX XXXX XXXX
Product: Mortgage

XXXX XXXX XXXX I was involved in a home fire and my insurance company XXXX determined as a total loss. I received 2 separate two party checks ; my name and United Wholesale Mortgage. 
- {$60000.00} - {$290000.00} I signed both and United Wholesale Mortgage Affidavit stating to pay these checks to my mortgage. UWM received both of these checks and my affidavit on XX/XX/year> and UWM still have NOT cashed them. 

USPS Tracking : XXXX XXXX XXXX XXXX XXXX XXXX I am still waiting for United Wholesale Mortgage to do THEIR job and cash those checks and then I will pay my remaining balance, that way I no longer have to do business with this incompetency and I can get my next home loan and move on with my life. Also, if I am correct, I am still incurring mortgage charges the longer they wait to cash those checks, correct
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX BARCLAYS BANK DELAWARE XXXX XXXX XXXX XXXX, DE XXXX Subject : Request for Form 1099-C ( Cancellation of Debt ) Dear BARCLAYS BANK DELAWARE , I am writing to request that you issue a Form 1099-C ( Cancellation of Debt ) for the debt that was canceled in my account XXXX with your institution. As required by IRS regulations, I understand that you must report any canceled debt of {$600.00} or more, and I want to ensure that this is accurately reflected for my tax reporting.

As reported in my credit reports, the canceled debt relates to the amount of {$2600.00} and was discharged on XXXX. Please send the 1099-C to my address listed above or provide instructions if there are any further steps required to receive the form.

If you need any additional information, please do not hesitate to contact me. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted both of the credit bureaus XXXX and Trans union, and informed them that I had some inquiries on my credit that I did not authorize, I was informed that they had to do an investigation
Product: Credit reporting or other personal consumer reports

I need your help to investigate accounts from these companies that have reported late payments incorrectly. Upon reviewing my credit report, I found some accounts marked with late payments, which should not be the case. No late payment remarks should appear on these accounts.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and notice fraudulent activity XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am sure you are aware that it is against the law to threaten suit without any intention of doingso. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurateinformation that is being reported on my personal credit profile, yet you continue to fail to do soIt is my understanding of the law that you MUST honor each and every request to investigateincorrect information and you seem to have ignored all of my previous requests. 

XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Bankruptcy XXXX. 

That is a crystala clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishersof information for non-compliance as a violation of its provisions. 

As I stated before, this is my final request for you to do as you are governed by the FCRA. If thisthe final request does not prompt you to conduct a proper investigation of the accounts in question, I will be forced to file suit against your company in XXXX XXXX in which I live. That way, you cantravel here in order to defend yourselves. 

I take my credit very seriously and your lack of professionalism and assistance disgusts me. I amwell aware of my rights under the FCRA and intend to pursue them to the maximumI am anticipating your immediate response
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam To what is my concern. 

I was owner of Citibank card, # XXXX, opened XX/XX/XXXX on limit of XXXX $ and i was fell on late payment due to death of my wife. 
My late wife, XXXX XXXX XXXX, she is open credit card, under my name to help built my credit and I was give her authority no just for Citibank card, but for all other credit cards. 
On XX/XX/XXXX we are was found, my wife XXXX XXXX XXXX, she is sick with XXXX XXXX and XXXX XXXX, and doctor give her only three to six month of life, but she is pass away two and half month later. 
Before she is pass away, i was try communicate with my wife to give me all access to our account so i can pay all bills. 
Due to driving my wife in and out of hospital, XXXX XXXX in XXXX, my work time and XXXX XXXX i was fell behind my payments on Citibank credit card for month of, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, but i was later on pay all credit card in full. 
MY WIFE XXXX XXXX XXXX, SHE IS PASS AWAY ON XX/XX/XXXX IN MY CRITICAL TIME TO DO ANYTHING FOR PAY MY CITIBANK BILLS AND I WAS FORCED OPEN NEW CHECKING ACCOUNT WITH NEW BANK. 
Due to her sickness, she is forget all password and pin numbers together with email, and also she was under extremely heavy medicine. 
I know i have Citibank card, and we never was late on pay bills, just because she was set all payments on autopay for each month. 
Apparently due to sickness doctor tell me, the are possibility she is just delate all auto payments on line. 
I was try contact Citibank by myself numerous time and thru XXXX agency, but nobody never return my call and Creditrepair.com never help me clean my negative item on my credit report. 

Please, if you can help me contact Citibank to remove negative item from my credit report., so i can move on with my life. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX