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

Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account which does not belong to me or were opened without my permission. XXXX XXXX XXXX According to FCRA Section 605B ( a ) the Transunion shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows. 

XXXX XXXX XXXX It has come to my attention that the charge off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score.

Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper.

I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections.
Product: Credit reporting

The website locked up before I could view my report. When I tried to return to the page, it said I 'd already gotten my yearly report when, in fact, I had n't had the chance to view it at all.
Product: Credit reporting or other personal consumer reports

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.
Product: Mortgage

When I check my credit report comes up as a negative on my credit report Completed the loan modification process so everything should be good now on my mortgage and I need this to show on my credit score so can get my credit score to 6 or above as I need to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The accounts XXXX XXXX, and XXXX XXXX XXXX which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft
Product: Debt collection

The collection agency did not notify me about the debt and refused to provide any information regarding the account during our phone call today. I have disputed the debt multiple times and requested verification. Additionally, I filed an ID theft complaint with the FTC and the local XXXX, and I received a police report. 

The collection agency seems to play games with consumers by ignoring my requests. The original creditor, AAFES, is also a collection agency under the XXXX XXXX XXXX They have resorted to retaliatory actions against me as a consumer. 

Just last week, I made a purchase at AAFES on the XXXX XXXX XXXX XXXX using my personal credit card. The following day, when I attempted to return the item, I was informed that my ability to make returns had been blocked by AAFES due to issues related to checks. However, I have never written a check to AAFES in the past.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : NATIONSTARMORTGAGE/Mr. Cooper XXXX XXXX To whom it may concern : I am submitting this complaint to address the following issue : The above mentioned company submitted Incorrect Information to credit reporting agencies and failed to correct it.

1. Account Name : NATIONSTAR MORTGAGE/MrCooper XXXX : XXXX, XXXX XXXX days late. 

2. Account Name : NATIONSTAR MORTGAGE/MrCooper XXXX : XXXX, XXXX XXXX days late. 

The information is inaccurate. 

Payments were posted in the timely fashion to the account on XX/XX/XXXX and XX/XX/XXXX as per NATIONSTAR MORTGAGE/MrCooper records. 


Under the FCRA : It is the responsibility of the mortgage services to furnish only accurate information to the Credit Reporting Agencies.

It is the responsibility of the mortgage services to correct inaccurate information submitted to the Credit Reporting Agencies.

It is the responsibility of the mortgage servicer to conduct proper investigation of the dispute.

The information provided to the Credit Reporting Agencies should be substantiated by the records when it is furnished. 


Under the FCRA, both the credit reporting company and the information provider are responsible for correcting inaccurate information. 

It was a horrible shock for me to discover that my credit rating is damaged after having an excellent credit reputation for many years. 
I am experiencing considerable embarrassment having to explain to my business associates my situation with the credit rating. 
I am also forced to spend a considerable amount of time disputing inaccurate information and protecting my good name and reputation. 

I am ready to address the above matter to the Court of Law and file Defamation of Character charges against NATIONSTAR MORTGAGE/MrCooper if necessary. 
Section 1681o authorizes a consumer to recover actual damages sustained from the consumer reporting agency 's negligent violation of a requirement under FCRA. 
Actual damages include humiliation or mental distress, even if the consumer has suffered no out-of-pocket losses. 
( United States Court of Appeals, Fifth Circuit, Case No. 91-7142, John STEVENSON vs. TRW, April 1, 1993. ) Feel free to contact me via XXXX. 

Sincerely, XXXX. 

XX/XX/XXXX.
Product: Checking or savings account

I got a text from chime saying there was fraudulent activity on my account then they called me and told me that I had to cancel the payment that showed up on my account and I didn't know the person so I did what the chime guy told me to do and it took all my money in my account XXXX and he said that it would be refunded to me instantly then said there was a problem doing that that it would take 3 business days to get back into my account but in the meantime I have no money for gas or food to get to work or eat
Product: Checking or savings account

I am filing a complaint against Capital One regarding deceptive practices relating to their high yield interest savings account. Capital One misrepresented the 360 Savings account as having one of the nations highest interest rates, yet failed to notify account holders about the superior rates offered by the 360 Performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted insignificant financial losses for many, breaching the Consumer Financial Protection Act and The Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX is reporting a charge off on an account that was included in my Chapter XXXX Bankruptcy XXXX # XXXX. This account should not be in my credit report as it was included under my bankruptcy. I would like this to be removed as it violates the Fair Credit Reporting act.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and I noticed there are addresses and names that should be removed. I have attached documents verifying my name and my current address.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : 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 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 an account without my written instructions.
Product: Debt collection

I wish to report suspicious activity of a collector. On XX/XX/XXXX at XXXX AM, I was contacted by a " XXXX '' from phone number ( XXXX ) XXXX, claiming he represented Southwest Credit Systems. He was attempting to collect a debt owed to XXXX ( presumably XXXX ) in the amount of {$52.00} from XXXX. He confirmed the last four digits of my social security number. 

However, he then confirmed an address on XXXX in XXXX. I disputed that, as I have never lived at that address or even in XXXX. He said they have my driver 's license information. I asked what state issued the license. He confirmed the state of XXXX. I do not have an XXXX driver 's license. He then asked if I was [ First Name ] [ Wrong Middle Initial ] [ Last Name ] ''. I said I was not, and provided my name. 

At that point he gave me a fax number to send a letter to dispute the debt. I found a sample letter on the federal government 's website, and modified it to fit my situation. I am attaching a copy of what I sent. 

I am reporting this to you, as the situation is highly suspicious to me. I was worried I was the victim of identity theft, but my credit report not only has no fraudulent claims on it, but it also did not have this debt listed either. I am not sure how Southwest Credit Systems could have contacted me at my cell phone number without doing some form of credit report or credit check to get my information. Any review of the information on the credit report would have indicated to them I did not live at the address. The fact they have not put this debt on my credit report seems to indicate they are aware I am not responsible for the debt, but this is an attempt to collect the money from someone, anyone, any way they can. I believe their contacting me is an attempt to fraudulently collect money from me to resolve a debt they know I did n't owe.
Product: Debt collection

I have sent Credence Resource Management the Federal Trade Commission Identity Theft Report, Report Number : XXXX, and XXXX 's filled out and signed copy of their Fraud Management Form as proof that i indeed was a victim of Identity Theft and multiple accounts were opened in my name. I was never given a full account number from XXXX XXXX nor Credence Resource Management.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please help me fix this mess. SOmone has completely taken over my personal information & applying for thing I don't know about. Please delete these inquiries not done by me for these XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 informed Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , However, they stated everything was complete and accurate. But is that possible if the open date, date of last activity and much more is incorrect. According as stated in 15 U.S.C 1681 ( 5 ) they are supposed to modify accounts that isn't reporting correctly.

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 : 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

In fact they ARE NOT even in compliance with metro 2 credit reporting. I do have evidence to prove and bring forward to prove my case.
Product: Mortgage

Check # XXXX. Servicer misapplied funds to a totally incorrect account, violating every financial regulation. Specifically, where was check XXXX funds ( principal, interest, Escrow ) applied, and why ... when we gave account information.
Product: Bank account or service

Someone put a fake check in my account when I was XXXX
Product: Payday loan, title loan, or personal loan

In XX/XX/2022 a salesman from XXXX XXXX came to my door and asked to talk to me about Solar panel installation. I was already looking into solar and after extensive conversation and background research decided to move forward with financing the panels through Mosaic. I signed a contract with XXXX XXXX, however no one from their company ever signed or dated the contract. The panels were installed but never hooked up. A few months later i received a letter from centerpoint advising that both XXXX XXXX and myself needed to resign a tarriff agreement as it was filled out incorrectly. I tried multiple times to reach anyone at XXXX and soon found out they seem to have skipped town. I am involved in a class actions lawsuit against them as they have defraded over 100 people between Texas and Arkansas. The terms of the agreement between Mosaic and XXXX was that the first half of the disbursement would be paid upon signing the contract and the second half would be paid after the work had been completed and verified by Mosaic. Mosaic never verified the work had been completed and blindly sent XXXX the second half of the disbursement and are now refusing to cancel my loan even though i have sent them proof that my contract was never signed and even according to the portal on XXXX 's website my installation is only 90 % complete. I am looking to get my loan cancelled through Mosaic as they did not honor their part of the agreement.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. 

Details of the accounts are as follows : XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

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 an accounting nature of the creditor on a statement. As i know the creditor didn't notify me XXXX  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. 

Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX  XXXX As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n XXXX XXXX because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

I am now in pursuant to FCRA & 605B ( 15 U.S.C. & 1681c-2 ) the TransUnion credit reporting agency , block information appearing on my consumer credit report that is result of identity theft and fraud within 4 business days of you receiving this complaint.This fraudulent, inaccurate and false information consists of a car loan lease XXXX XXXX XXXX XXXX XXXX XXXX account number XXXXopen on XXXX on XXXXA credit card From XXXX XXXX XXXX XXXX  account number XXXX.A XXXX XXXX  account number XXXX was open XXXX of XXXX XXXX & XXXX account number XXXX was open XXXX XXXX XXXXThese accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report do not recognize the aforementioned accounts.i have attached a copy of the FTC IDENTITY THEFT CRIMINAL COMPLAINT case number XXXX as proof from the US FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts , collections of identity theft and fraud.
Product: Prepaid card

Ssa.sent XXXX to my direct express card from XXXX of XXXX  until XXXX of XXXX  someone has taken over XXXX from my account in this time frame three new cards were sent out to me the cards never left my wallet I ask for a deposit of all my money that was stolen and they sent letters out dating the next day of denial with no real answer I called and received the run around about the credits
Product: Credit reporting or other personal consumer reports

These companies were not authorized to run these inquiries. Please remove
Product: Checking or savings account

I am filing a complaint against US Bank due to repeated online banking access issues, an unreasonable password policy that perpetuates lockouts, and customer services failure to provide a timely resolution. 

Issue Summary : On XX/XX/XXXX, I was locked out of my US Bank online account. 
When attempting to log in, I received an error message stating I was locked out for 24 hours.

I contacted US Banks customer service, was given a special number to call, and expected proper escalation.

Instead, the representative repeated the same troubleshooting steps, arriving at the same error message, wasting 24 minutes of my time.

The representative attempted to blame my device and internet connection, despite the issue clearly being on US Banks end.

Only after insisting, a case was finally filed, but I was told it would take 3 days to resolve, contradicting the " 24-hour lockout '' message.

Unreasonable Password Policy Creates Perpetual Lockouts US Bank does not allow customers to reuse any previous password, ever.

This policy forces customers to create entirely new passwords every time they are locked out. 
This increases the likelihood of failed login attempts and repeated lockouts. 
Most banks have a reasonable last 5 passwords policy. US Banks policy is excessive and leads to unnecessary customer hardship.

Why This is Unacceptable : US Banks system is locking customers out without proper resolution.

Customer service is ineffective and waste
s time instead of escalating issues properly.

The delay in resolution ( A 3 days case vs. standard 24 hours ) is unacceptable.

The inability to reuse any past password perpetuates lockouts and is a major inconvenience.

Blaming customers ' devices instead of acknowledging a flawed system is deceptive.