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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

-- PERSONAL ACCOUNT 4. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Mortgage

On XX/XX/19 my mortgage with Roundpoint Mortgage Servicing Corp was paid off. At this time I had {$4600.00} in my escrow account. On XX/XX/19 my escrow balance went to {$0.00}. On this day I called their North Carolina office to find out what happened to my money.I was told that they sent me a check for the amount.On XX/XX/19 I again called them because I had not received the check. At this time I was told that they had mailed the check out on XX/XX/19.On XX/XX/19 I again called because I had not received the check.This time I was told that it takes 7 to 10 business days for it to get to  me. Since it was the seventh business day since they mailed it I should get it by the end of the week.For the record it does not take USPS 7 to 10 business days to get a piece of mail from North Carolina to  Florida.On XX/XX/19 I again called because there was no check. I wanted them to stop payment and send me a new check. I was told that they could not stop payment until 30 days had elapsed. I would have to wait until 8? XX/XX/19 to request a stop payment. However XX/XX/19 was a Saturday and Monday was a holiday so I would have to wait until XX/XX/19. He did give me the check number which was XXXX so I could give it to whoever took the call on XXXX.On XX/XX/19 another call and requested a stop payment and new check.At this time I was told that it would be 2 weeks before I would see the check. They had to make sure that the check had not been cashed and then issue a new check. Today,XX/XX/19, I called because no check. I gave them 3 weeks! The first thing out of her mouth was that it takes two weeks just for the stop payment process. I can stop payment on a check with my bank today. Who are they kidding. She put me on hold to check on the process. Are you ready? She came back and told me that the employee who submitted the stop payment request had not submitted the check number for the stop. The section which handles these requests rejected the request and my ongoing process came to an end. Do you believe this. If I had not called, nothing was going to happen in getting me my money. At this point they have had my money for two and a half months. Im sure they are making money on my money.She submitted the proper paperwork but it is still going to take two weeks to stop payment and another two weeks to get a check to me. This is totally unacceptable. Three and a half months to give me my money. I should be able to charge them interest! The bare minimum they should have done is wire transfer my money to my Florida account ; but they won't.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am appalled by the ability of the Credit Reporting Agencies to keep ignoring a consumer 's request for the correction of the disputed account only Credit Report. Under the FCRA section 609 and 611, the Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, Equifax has kept reporting the disputed account claiming that the information they present is accurate, in which I greatly disagree. I am submitting this complaint to you today to request that Equifax provide me copies of documents bearing my signature to verify the status of the disputed account. If the Credit Bureaus failed to comply with the condition and continuer the reporting of the disputed account, please understand I will seek legal action. I need the account corrected as soon possible : XXXX XXXX Date Opened : XX/XX/2017 Balance : $ XXXX-Late/Open Late Dates XXXX
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX {$18000.00} XXXX XXXX XXXX  XXXX Balance : {$160.00} XXXX XXXXXXXX Balance : {$97.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX  ) XXXX Balance : {$83.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. 

I submitted a lot of complaints regarding my concern about the removal of the Bankruptcy that I have on my credit report. XXXX clearly stated that they could not locate the following Bankruptcy records on my file. Bankruptcy XXXX XXXX. XXXX. If XXXX can't locate it on my file. It means that these records are not mine and a result of FRAUD/ERROR and it needs to be remove on my credit report immediately. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.
Product: Mortgage

Hello, my name is XXXX XXXX. I have a foreclosure sale date scheduled for XX/XX/2020 at XXXX. I dont know how SN Servicing Corporation and XXXX XXXX XXXX are able to sell or attempt to sell my home with an old and expired Notice of Trustees Sale, even more Im in an active loan modification process at the moment with SN Servicing Corporation. This is very interesting and very scary for me and my family. 
Let me explain my previous situation that has put us in this horrible place with fees and over dues. From my first bank, XXXX  XXXX XXXX and they have denied me multiple times for a loan modification until XXXX  XXXX XXXX transferred my loan to XXXX. I told XXXX I want to apply for a loan modification. They have told me to pay {$2000.00} for a Trial Period Payment of 3 payments. I told them I can not afford that and I asked them to apply me for a loan modification. XXXX  sent me an application for a loan modification. I have filled it out and faxed the full packet to them. After 3 months they then have told me that I do not meet the qualifications for the XXXX loan modification and the representative told me to apply for the Keep Your Home California program. At this point I applied for the Making Home Affordable Program and faxed over a full packet to XXXX. After some time I yet again get transferred to another servicer XXXX XXXX XXXX XXXX, XXXX. After many months sending documents and trying to work out a loan modification plan and review XXXX XXXX XXXX XXXX XXXX XXXX transferred my loan to another servicer which is now my current servicer SN SERVICING CORPORATION, XXXX XXXX  XXXX XXXX, AS TRUST OF LODGE SERIES 3 TRUST BY XXXX XXXX XXXX XXXX, whoever they are. 
I sent over a full packet to SN SERVICING CORPORATION, XXXX XXXX  XXXX XXXX, AS TRUST OF LODGE SERIES 3 TRUST BY XXXX XXXX XXXX  XXXX. They have received my loan modification packet and is in review. 
I and my family are in a very tight spot with SN SERVICING CORPORATION, XXXX XXXX  XXXX XXXX, AS TRUST OF LODGE SERIES 3 TRUST BY XXXX XXXX XXXX  XXXX and we do not know what else to do. I can make monthly payments for this loan of around {$1600.00} for the loan, insurance and taxes. Please review this company and their procedures as they are not helping the borrowers, and also the previous companies as to why they keep transferring my loan once im on the brink of being approved. Seems as though every company is prolonging the process as much as possible. 
SN SERVICING CORPORATION, XXXX XXXX XXXX XXXX, AS TRUST OF LODGE SERIES 3 TRUST BY XXXX XXXX XXXX  XXXX are in Violation of my CALIFORNIA HOMEOWNERS BILL OF RIGHTS if they proceed with the sale of my home which is scheduled for XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft I had notify all credit bureau about my Identity been stolen and I had request number of time to block those account open by Identity theft.

I had request to be block under Consumer 605B Blocking Request Letter to CRA. I had provided then with all necessary document required including Copy of Credit Report, Identity Theft Report, Proof of Identity, FCRA 605B, 15 U.S.C. 1681c-, And police report. after number of request by me not one of the 3 credit bureau had block or remove any account report been open by identity theft. as fallow the rule per ( pursuant to section 605B of the Fair Credit Reporting Act ) and By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act,
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the immediate removal of fraudulent inquiries from my credit report. Upon reviewing my credit report, I have discovered several inquiries that are not authorized by me. These inquiries are damaging my credit standing and have the potential to cause significant harm to my financial reputation. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023. 


I have already submitted a report to the Federal Trade Commission ( FTC ) regarding these fraudulent inquiries and have enclosed a copy for your reference. Despite this, these inquiries are still being reported by your bureau. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), and I demand that these inquiries be removed immediately. 

I kindly request that you conduct a thorough investigation into these fraudulent inquiries and take the necessary steps to remove them from my credit report. I also request that you provide written confirmation once these inquiries have been removed.
Product: Credit reporting or other personal consumer reports

I took a loan with XXXX XXXX in XXXX  to alleviate some of my financial burdens along with potentially purchase a new vehicle, everything with them was great in the beginning and they were helpful a few times throughout my loan process and I am thankful for that. However, I have gotten terminated from multiple employers along with losing my vehicle, my home, close people in my life, being cut off and disowned by people in my life due to personal reason in addition to my financial burdens. I have been on the streets, shelters, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  and denied unemployment benefits. I have not been able to get steady employment other than under the table which barely makes ends meet, I have explained everything to them, but they are empathic to a point. I try to condone myself professionally, however as a consumer I should have a right to speak out about how I feel about things and my feelings. I have worked since I was XXXX, despite the abuse I received from the age of XXXX and has been ongoing. I have going through emotional and financial stress ( as well as duress due to the current and past issues ).
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, the list of accounts below have violated my federally protected consumer rights. 
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 A states I have the right to privacy 15 U.S.C. 1681 Section 604 A section 2 : It also stated a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C. 1681 c. ( A ) ( 5 ) Section : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681 S2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows it has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I applied for Navy Federal and was approved, I received my card in the mail and my account was open for a week and I was getting my work direct deposit coming and they shut down my account for no reason at all and I really loved banking with them. I still havent had an account since. They gave me no reasoning other than they couldnt bank with me anymore. It was embarrassing walking into the branch and depositing cash all to be told basically to go away.
Product: Payday loan, title loan, or personal loan

Account Affirm Inc Account # XXXX Account Type Installment Status Current Opened XXXX High Balance {$0.00} Payment {$35.00} Balance. THIS ACCOUNT IS NOT MINES THEY WONT PROVIDE PROOF OF MY AUTHORITY. 
{$35.00} Date Reported XXXX Amount Past Due {$0.00} XXXX XXXX XXXX XXXX XXXX Condition Open Responsibility Individual Creditor Contact : XXXX XXXX XXXX FL XXXX, XXXX XXXX, CA XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a Home Depot account nearly two years and NEVER had a late payment ; the payment was made over the phone and the customer service rep. transposed my payment information and it never drafted. I did n't realize it until it was too late because they were mailing my statement to the wrong address. I have called Home Depot on several occasions and have been assured it will be resolved by their Credit Services Dept. I recently applied for a mortgage only to learn through their credit report that the late payment is still reflecting on my credit ( in spite of being promised it will be removed ).
Product: Debt collection

I deposited Regions Bank XXXX dollar between XX/XX/2022. 

I paid for a no overdraft.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought an XXXX through XXXX with the Citizens One payment plan in XXXX of XXXX. Citizens One provides no billing invoices, contacts folks or anything. In XXXX of XXXX I was finally contacted by Citizens and informed that my payment plan was 4 months late ( i.e. they had issues processing the credit card ). I explained there was a change of credit card information during COVID and Citizens told me they understood and this would not be reported to the credit bureaus in any case. I paid the entire balance of the loan immediately. Magically in XXXX, Citizens One reported this loan to the credit bureaus and has since continually decided to make reports monthly not only indicating I had 4 late payments ( seriously affecting my credit score ) but also indicating the account is still open. When I've tried to talk to Citizens, they assure me there is no balance and that the account is closed. If the account is closed, why are you reporting it as open etc. to the credit bureaus? I have over a year and a half of credit bureau reporting at this time for an account that has no monthly payment. This is not a revolving loan. There is no line of credit. This was a payment plan for an XXXX. Affirm and anyone else, report the loan when paid off ( sometimes ) and indicate it is closed. I've disputed the information through XXXX, XXXX etc. and all they simply say is the information reported is accurate. Why would it be accurate that a payment plan that's been paid off with 0 balance is still open? What is the point of this? It is ruining my credit score and there's zero accountability here. I'm stuck with delinquent reporting for an account that is still reporting as live over XXXX a month " missed '' payments. Amazing. As seen in the files, it indicates there is an available balance of {$2500.00} of {$2500.00}. Yet, no mechanism, to borrow such money, or withdraw such money. Why would there be an available balance on an installment plan that's been paid off with a term of " 0 ''. What a mess.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX XXXX - XXXX, XXXX XXXX - XXXXXXXX XXXX XXXX  - XXXX, XXXX XXXX - XXXX "
Product: Credit reporting, credit repair services, or other personal consumer reports

Two accounts are showing on my credit report, for one company and one delinquent account which I have. The account in question, deals with XXXX XXXX XXXX. I've only had one defaulted credit card with them. However, its showing up as a " Factoring Company '' in Closed/Delinquent status with Portfolio Recovery Associates for the amount of XXXX. Factoring companies are for the collection of a debt that is in active status and hasn't been turned over to collections. I haven't been able to dispute these two accounts as the same account, can only do them individually. Portfolio Recovery Associates has never responded to a dispute, it has been pending since XX/XX/XXXX when I submitted my dispute and it is now XX/XX/XXXX. The other account is with The Bureau 's Incorporated, again listed as a collection Agency in XXXX IL, for XXXX XXXX XXXX in the amount of XXXX You will notice that the amount for Portfolio is  exactly double the amount for The Bureaus. I would like the original debt Validated, and for ONE collection agency to report. Double reporting is a violation, as well as a factoring company to report unless the account is active and not in collections. How do I get both of these accounts looked at as one and anything pertaining to XXXX XXXX be listed one time.