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

Under 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information included in consumer reports. Furthermore, 15 U.S.C. 1681i ( 5 ) specifies that any information found to be inaccurate or incomplete must be corrected or deleted. 

In accordance with these statutes, I assert that the information reported for 1. ) XXXX XXXX, 2. ) XXXX is not entirely accurate across all three credit reporting agencies. Therefore, I am exercising my legal right to request that this account be updated to reflect accurate information or removed entirely from my credit report. 

I expect a thorough investigation into this matter and request that the inaccuracies be corrected within 30-45 days. If my request is not addressed within this period, I will have no choice but to pursue legal action, seeking {$1000.00} in damages for each inaccuracy on my credit report. 

Thank you for your prompt attention to this matter. I look forward to your timely response.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX, XXXXl XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX. I am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit. If you all can help me with this as well I appreciate it US SM BUS ADMIN ODA, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, 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 am chase bank customer. I called their mortgage lender advisor XXXX XXXX to ask question about home affordability. He said that is busy for the moment and if possible to email him me tax returns so he can take a look at my income. 
2 days later I was surprised with my credit pull alert.

I called this guy asked him why did you pull my credit without signed or submitted application or even a verbal consent to do so? He got no straight answer and finally hanged up the phone.

After I called the escalation team department, they failed to provide any proof of documentation or paperwork or audio recordings that I gave them permission to pull my credit.

I never confirm my identity or my SSN with him on the phone and I never provided any proof of ID to his email or anything of this nature.

The only reason I sent him my tax return is to view my income not to get my social security number from it and run my credit.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX, XXXX, AND XX/XX/XXXX Are dates which i have requested to have the inaccuries removed from my credit report whichstill remains.I have proviced supporting documents such as a clear copy of my Driver 's license and Social security card and proof of residence along with a FTC report stating that there are items on my credit report as a result of Identity theft.I was told that there were several variations of Social security numbers merged with my credit files. I was told that the account had to undergo maintenance in order to get this issue resolved. there is a variety of inaccuries with my personal information such as Names, SS Numbers, addresses and accounts which i have stated on a numerous of occasions and the credit bureau is refusing to update my account. I have followed all suggested actions and reached out to the creditors trying to get this resolved. I am in the home buying process and these fraudulent items are still listed associated with my credit files. there are accounts on my credit files which has been listed for over 7 years that needs to be removed immediately. 
i have sent certified notices to the creditors affirming that i am a victim of identity theft. 
XXXX is refusing to let me access my file, they said this decision is indefinitely.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, after repeated attempts have failed to follow through on removing a 'charge off ' from my credit bureau reporting from Equifax after the 2 year expiration date of reporting. 

I have repeatedly escalated this issue with both XXXX and Equifax, both personally, and with XXXX XXXX legal counsel. 

Equifax is the only credit bureau reporting this charge off data incorrectly. It has corrupted my FICO score by nearly 100 points. I have otherwise excellent credit. 

Equifax has responded to me in a disreputable manner, and they need to fix this erroneous reporting immediately. 

NOTE : Both XXXX and Equifax repeatedly state the dispute is wrong, and their records are correct. This is unconscionable.
Product: Debt collection

Enhanced Recovery Group has reported a collection action to all XXXX credit reporting companies on behalf of XXXX for {$770.00} as of XXXX XXXX. I know nothing about the account, services provided, I did authorize or guaranty any account with XXXX. I have never received a bill, statement or demand for payment, description of time and place of services, etc. I have been turned down for a home equity loan by XXXX which is how this came to my attention. The only other negative filing on my report is XXXX 30 day late payment on a revolving account. I have repeatedly requested that all XXXX reporting companies to remove the erroneous and fraudulent filing from my reports. The only response I have received is to note that I dispute the collection action and that it will remain on my reports until XXXX XXXX. My primary remaining remedy, other that filing a lawsuit, would be to file documentation supporting my position. What documentation might that be? In other words what documentation could I be in possession of in connection with an account that I have no knowledge of?
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information TransUnion. Please delete the following accounts within 4 days XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  XXXX # XXXX
Product: Checking or savings account

Hello, my name is XXXX XXXX and I am having an issue with Bank of America regarding my remaining funds and my cashiers check. I recently closed down my Bank of America prepaid account for the remaining balance of {$43000.00}. A check was mailed out to me for that amount while the check was on the way I kept calling Bank of America. They stated it would take XXXX XXXX XXXX XXXXiness days for the check to arrive. I called on the XXXX XXXX XXXX business day every day I was told to wait until the XXXX the XXXX business day came I called to re-order the check and place a stop payment on the check and they stated that the check has been stolen and cashed under a whole different name, which was XXXX XXXX. I quickly asked for the account number and the bank it was deposited into which was XXXX XXXX. I called XXXX XXXX  and informed them of the theft of the check and when I did so XXXX XXXX  placed a freeze on the account and stated that they will not lift the freeze and they will not reverse the funds back to Bank of America unless Bank of America itself contact them to retrieve the funds back. Ever since then I filed a police report I filled out a fraud packet and sent it to Bank of America through fax, ever since then I have not heard anything from them. They have not reversed the check back. They have not assisted me or gave me any updates. Please help me I need a new check re-issued. Thanks. 
( Deposited into XXXX XXXX  Account # XXXX under XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Have lived at same address for 7 years, have received yearly credit reports from TransUnion on an annual basis. Have not placed any security freeze on my report. The inquiry section will show that I have been denied credit based on a TransUnion report. Had trouble obtaining a copy by calling XXXX. 

The denial creditor on the credit report is : XXXX XXXX   dated XX/XX/19 under the inquiries section.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information was reported on my credit report without my consent. 
Pursuant to 15 usc 1681 ( c ) ( 1 ) ( A ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person ; I never authorized Equifax to furnish anything on my credit report I contacted Equifax and have disputes these inquiries. 

XX/XX/XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint to you today to inform you that you have failed to comply with my request and you continued reporting the fraudulent accounts and information on my Credit File. I have read that under the Fair Credit Reporting Act section 605b, you are required to remove any accounts and information that resulted due to my identity being stolen. However, upon checking my updated Credit Report, no changes were made and that the disputed accounts and information are still being reported! This action of yours is a clear violation of my consumer rights under the mentioned federal law. I need you to remove the following items completely from my Credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. If you believe that the disputed accounts and information belong to me, I need you to send me copies of proof of verification or any documents proving your claims. I would also consider you sending me copies of results of your investigation. If you can not send me any of these documents, it will be understood as deletion of the disputed items.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I submitted one letter to each major credit bureaus via certified mail for the unauthorized hard inquiries on my report. Each bureau stated I must contact each furnisher of each individual inquiry without a proper investigation to determine the inquiry accurate.

However, according to law I have a right to a fair investigation to be conducted by the credit bureaus reporting information on my credit file from creditors.

Each inquiry remains unverified because no direct contact to the furnisher was made.
Product: Debt collection

This is another item that i've been disputing for couple of months already but nothing is happening! Can someone please do something and delete this collections account to my credit report!! I have already reported this to FTC XXXX Account # : XXXX
Product: Debt collection

First they tried hitting our bank account too many times but thankfully our bank stopped it from unlimited withdrawals. Then we entered into a payment arrangement with them and they were taking {$200.00} out every month for many months now. But today " XXXX '' called me at work and tried to tell me I 'm 2 months behind ( our last payment was on XXXX XXXX. Today is XXXX XXXX. How is that 2 months behind? ) so I told her to just start up payments again and she insisted that the only way to start it was to put {$400.00} down today or they were going to garnish my wages. Why??? We are n't late!!!! They also have " Miscellaneous '' charges listed for us and have yet to tell us what they 're for. And finally, we have not received monthly bills showing our payments, how they 're being applied and our new balance. 
So after she hung up on me at work today, I had my husband call her and they managed to bully him into making even higher monthly payments than we were already making! By $ XXXX/month! Why? Our bill is lower from our repeated payments and we were n't late so why did it go up? This is a hardship for our family! My husband is on Social Security ... We have XXXX kids still at home and we are struggling to make ends meet. We were trying to get this debt paid and yet they insist on getting more money out us! Our bank records will show the monthly automatic withdrawals. This is just not right!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX bank mailed me a letter stating that I was preapproved for a credit card. I used the EASY TO ECCPET YOUR CARD METHOD by phone, I was told that my credit card would be mailed within 2weeks ; yet I was not told that this preapproved credit card would place an hard inquiry on my credit report, I did not authorize this inquiry nor did I have any knowledge that an inquiry would be placed on my credit report. On XX/XX/2019 XXXX XXXX XXXX  placed an unauthorized inquiry on my credit report I called XXXX XXXX XXXX to inform them that I was unaware that the acceptance of a preapproved credit card would place a inquiry on my credit report, asked that XXXX   XXXX XXXX  remove this unauthorized inquiry from my credit report and have not received any confirmation that the inquiry has been removed yet.
Product: Credit reporting or other personal consumer reports

I wish to dispute the following information found on my Experian credit report. I was a victim of ID Theft. There are inquiries on my Experian credit report that are fraudulent and do not belong to me. I've already filed an FTC report.The inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Applied for mortgage furlough under cares act during my covid unemployment. Based on the request payment stopped withholding for Month of XXXX, XXXX & XXXX. Since I went back to work from XXXX, I have requested the payment to start with back withholding. The mortgage company still didn't collect any payments as of today XX/XX/XXXX. I have called them many times, worked with their loan officer. Finally got a payment deferral agreement, signed and returned back last month. They are still not collecting any payments ( due date was XX/XX/XXXX ) and it destroyed my credit score. I have been requesting them to start payment since XXXX and its XXXX And they have not collected any payments yet. My fear is getting foreclosed by them. I hope I can get their attention through this complain to get it resolved.
Product: Debt collection

Once this hit my account I called. They said I owed money for appliances. They acknowledged the appliances were not actually delivered. Its an address I did not even live at. The company said they would remove it. I believe it was an appliance store out of New York. I thought it was handled but I got a collection. I disputed it through XXXX and it was removed. Now I have another collection agency hitting my report saying I owe these funds. 

The account is with a Jefferson Capitol? 
XXXX XXXX XXXX XXXX. XXXX, MN XXXX Account XXXX XXXX {$1500.00} Credit dispute case with XXXX XXXX The company has no documentation for a credit line authorized by me. 

They have no proof of any merchandise being received by me. 

They are supposedly out of New York? 

I did have XXXX fraud accounts opened when I sold my house at XXXX XXXX XXXX, XXXX, Ohio XXXX. XXXX with XXXX XXXX  which I called and had fixed and another with XXXX XXXX. 

I have always lived in Ohio. 

At the date of this collection XX/XX/2024 my address and property I own is XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

A fair resolution would be the removal of all unauthorized inquiries. These fraudulent inquiries do not benefit nor were they authorized by me and according to 15 USC 1681 c-2 if I identified these inquiries as fraudulent you have to block and remove them. On several occasions I have sent this bureau a copy of my social security card, FTC report and Drivers license and they refuse to acknowledge that they are reporting several fraudulent inquiries that are defamation to my character. It is also fair to remove all of the derogatory accounts that this entity is unable to verify by furnishing the documents with my original signature.
Product: Credit reporting or other personal consumer reports

I recently checked my report and I seen that I had unauthorized inquires on my account. I am a victim of identity theft. I have no knowledge of these inquiries. Theses inquires must be removed no later than 4 business days as per U.S. Code 1681c-2.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Moneylion by telephone and their online customer service center. I only get a automated system that states a representative will call me back. When the call back happens as soon as you answer it hangs up. When submitting requests thru the online customer support it sends back a generic message and tells you to login to view details. My loan balance is incorrect and not reporting to my credit correctly. I have tried to call at least 10 times and have sent in 5 requests. Please help me resolve this.
Product: Credit reporting or other personal consumer reports

Account with Department of EducationXXXX was transferred to XXXX for PSLF eligibility XX/XX/year>. When contacting XXXX about their still " OPEN '' trade line with a balance of {$88000.00}, they stated that they transferred the trade line with instructions to XXXX to update the trade line rather than adding a trade line and because of that they ( XXXX ) are not able to do anything with the trade line. Upon calling XXXX and speaking to several representatives and being on hold for many hours, the issue is still not resolved. I submitted an inquiry to XXXX around XX/XX/XXXX with information they requested from me including credit reports showing the trade line from XXXX. They have yet to resolve the issue or get back in contact with me. I have also disputed the credit line with Experian numerous times with no success at getting the trade line balance updated or even to show as a closed status. They requested information from me showing that the XXXX accounts were in fact transferred, which I did submit. I also submitted to them a PDF document directly from my XXXX account showing that all my balances have a XXXX balance. At this point my credit is being incorrectly reported by the credit bureaus and I am unsure how to go about getting it corrected.
Product: Debt collection

This is not my debt court papers were attach at my daughter door address in XXXX showing the date from XX/XX/XXXX to XXXX XXXX witch caused them embarrasment witch was completely unnecessary this could fall as a violation of harrasment, my address in XXXX was a different witch was in the XXXX & I have not live in XXXX since XXXX due to health problems I am person with XXXX and this is causing stress witch is not good for me. 
this address I stop using for over 3 years caused mail theft it can easy be verify with the United States post office with my complaints.
Product: Mortgage

I modified my 1st loan in XXXX/ XXXX through the Department Of Justice settlement due to loss of income. It took several years to obtain the modification. I was told that my 2nd lien ( home equity line ) had been charged off and forgiven " liquidated ''. My first lien was lowered to the current market value. I have not received any correspondence from the 2nd lien holder for the past 5 years nor has the 2nd lien been reported on my credit report. Earlier this year I obtained a home equity line through XXXX XXXX. We assumed that XXXX  was in 2nd position. In XX/XX/XXXX I learned that a NOD and Election to Sell had been recorded against my property. I was not properly served. The assignment from XXXX to XXXX XXXX is fraudulent. That assignment was allegedly notarized in XXXX but not recorded until XX/XX/XXXX. XXXX XXXX  was not affiliated with XXXX in XXXX. SLS, the servicer for the 2nd, won't release any documents to me. I have requested a copy of the letter that XXXX sent to me stating my loan had been charged off and liquidated. Furthermore, I was provided a document showing that I had modified the 2nd in XXXX and that my balance had increased from {$95000.00} to {$220000.00} in less than 2 years. This is not my signature on the document and how could an equity line increase that much in less than 2 years. The clock is ticking and I am not getting any explanation from the 2nd lien holder. See attached letter.