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

On XX/XX/2018, I sent a letter to Equifax stating I never provided a written or verbal authorization to the following companies to run my credit report. The specific companies involved detialed on my report are : 1. XXXX 2. XXXX  XXXX XXXX and 3. XXXX I additionally sent a request of validation of written or verbal consent to access my credit report. 

On XX/XX/2018 I called Equifax to inquire about the documented the dispute. Equifax did not show proof of authorization and did not remove the inquiries from my report. 

I have attached the certified letter with proof of delivery that Equifax received and signed for the request.
Product: Mortgage

On XXXX  XXXX at approximately XXXX, XXXX from independent mortgage called me to receive information on the existing complaint against Fairway Mortgage. She continuously lead the conversation by stating " im trying to get more information to respond to your complaint ''. After explaining my complaint thoroughly and repeatedly, she continued to asked for clarification. I then asked her if there is any way to resolve this because it was apparent XXXX did not call to resolve any issues, her only goal was to make sure she responded to the complaint. I asked XXXX several times if there is anything Fairway could do to assist? " Is there anyone else I could speak with '' I asked, I also asked her if there is any way we could refinance ... she avoided the question, I asked again after she avoided the topic continuously. She never provided any details, direction, or anyone else I could speak with to have this issue resolved.
Product: Mortgage

I keep getting monthly statements that say the amount due is {$2000.00} every month. I modified my loan and have not missed a payment thereafter. My payments are {$360.00} per month. I call into customer service and the automated system tells me the amount due is {$360.00}. BUT I still receive monthly statements every month that say I owe {$2000.00} which is very unsettling, nerve racking, and intimidating. I am being harassed by these monthly statements that say the amount due is {$2000.00} every month. I am never able to talk to a live person because it takes so long to get through and they are only available during regular business hours.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX This CFPB complaint has been filed to pursuant to FCRA 605B ( 15USC 1681c-2 ) that you the Experian, XXXX, Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of a personal credit card and personal loan account opened at : XXXX  account opened on XX/XX/XXXX and it has a balance of {$210.00} Account # XXXX XXXX XXXX account opened on XX/XX/XXXX and has a balance of {$160.00} Account # XXXX XXXX XXXX opened XX/XX/XXXX with a balance of {$420.00} Account # XXXX In collections I have XXXX accounts that are a result of Identity Theft. From the above mentioned accounts. These must be removed pursuant to FCRA 605B ( 15USC 1681c-2 ) and these accounts have been placed in collections and are showing on my credit report as closed.. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections and closed accounts appearing on my consumer FICO credit report. I have attached a list of hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items, I do not recognize the aforementioned accounts, collections, closed accounts and hard inquiries as reported. The accounts, collections, closed accounts and hard inquiries appearing on my credit report were NOT opened, made or initiated by me. All of these accounts, collections, closed accounts and hard inquiries are a result of identity theft and fraud, I have attached a copy of the XXXX FTC Identity Theft Criminal Complaint numbers ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are a result of identity theft and fraud.
Product: Checking or savings account

I contacted Wells Fargo a few times about this same issue. So almost a year ago i experienced identity theft when my wallet was stolen. I had not known at that time that there was a checking account opened in my name by Wells Fargo. I just now have attempted to open a checking account. After speaking to one of the nice kind bankers over there she transferred me to Loss prevention, after trying to open an account after being told from the banker that i am not able to open an account due to banking history with Wells Fargo. 

When i further asked why and explained to the phone banker that i have never opened an account with Wells Fargo. She sent me to loss prevention. Loss prevention said my accounts were closed, i advised them that i have never opened an account with Wells Fargo in my life, and that i just now have been trying as of this week. The loss prevention rep said that my accounts were closed due to me being a risk to the bank. We got into further detail and i told the Loss prevention person, that is a mistake because i have never opened an account with Wells Fargo. The loss prevention person then transferred me to identity theft operations. Yet it appears these accounts are still listed under my name, even though i was told from the Phone banker these were opened online. When we discussed that i didn't open these she stated to file identity theft, which i have already done so with the FTC. i want to be able to eventually bank with Wells Fargo but it appears someone has tarnished my name with them by opening an account and using it fraudulently. Which i was not aware of until just recently.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payments is inaccurate. Please investigate and verify all data for this account is reporting accurately including every notation, date, and balance whether reported or not. 

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

Experian Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX -1 XXXX XXXX XXXX -2 XXXX XXXX XXXX -3 XXXX  Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiries : 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 HAVE BEEN AFFECTED BY THE EQUIFAX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Unauthorized transaction on account and I did not authorize
Product: Credit card

My name is XXXX XXXX XXXX had a capital one quicksilver credit card account opened fraudulently in 2021. The fraudulent account has been on my account since XX/XX/XXXX to XX/XX/XXXX from XXXX XXXX XXXX. Since then the account was takin off my credit history I have all the proof to prove it was a fraudulent account and thats why they closed the account for me. After a long time with there process to determine if it was fraudulent account. I would like to get the credit card I was approved for but they deny me instantly because of this fraudulent account isnt cleared up on capital one side they sold the account to XXXX XXXX without me knowing
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried on several occasions to dispute the accuracy of this account with the credit reporting agencies XXXX, XXXX and XXXX. Over the past couple years I have requested written documentation of the findings outcome to support what is being reported on my credit report. They only information I have received is that my dispute was reviewed and the findings were accurate. 

Please provide written detail support on the reported findings.
Product: Debt collection

Subject : Dispute of Collection Account Under 15 U.S. Code 1681b, 15 U.S. Code 1666, and 15 U.S. Code 1681e ( b ) Re : Account Number : XXXX Collection Account : I C System Inc Date of Collection:XXXX To Whom It May Concern : I am writing to dispute the accuracy of the information reported on my credit file in relation to the collection account listed under the account number # XXXX. Pursuant to the Fair Credit Reporting Act ( FCRA ) and other relevant statutes, I am seeking the removal of this collection entry based on violations of 15 U.S. Code 1681b, 15 U.S. Code 1666, and 15 U.S. Code 1681e ( b ).

15 U.S. Code 1681b - Permissible Purposes of Consumer Reports : I assert that the reporting of this collection account violates 15 U.S. Code 1681b, as there is no permissible purpose for the inclusion of inaccurate information on my credit report. The reported collection is not accurate, timely, or verifiable, and it adversely affects my creditworthiness.

15 U.S. Code 1666 - Reasonable Procedures to Assure Accuracy : The presence of the collection account on my credit report indicates a failure on the part of the reporting entity to follow reasonable procedures to assure the accuracy of the reported information, as mandated by 15 U.S. Code 1666. I request that you investigate this matter promptly and remove the inaccurate information from my credit report.

15 U.S. Code 1681e ( b ) - Timely Reinvestigation of Disputed Information : I am formally disputing the accuracy of the information contained in the collection account. I request that you conduct a timely reinvestigation, as stipulated by 15 U.S. Code 1681e ( b ), and provide me with the results of your investigation within the legally mandated time frame.

Additionally, in keeping with the Fair Debt Collection Practices Act ( FDCPA ), which is a Federal Law as well as a state-specific regulation, the state of New Jersey requires collection agencies to obtain licenses to collect in/for that state. Specifically for the state of New Jersey, I C Systems Inc is required to file a Collection Agency Bond application which they had not done. 
As per the XXXX Consumer Access, I C Systems Inc, is not licensed to make collections for businesses within the state of New Jersey. They are clearly in violation of Federal Law and by you allowing the fraudulent collection to remain on my report, you are in turn fostering Federal Law violations.

Please find attached copies of documents supporting my dispute, including : A grab screen from the XXXX  Consumer Access website showing that I C Systems Inc is not registered/licensed within the state of New Jersey to collect debts in/for that state. 
Original Dispute Request ( dated XX/XX/2024 ). 

I kindly request that you investigate this matter as soon as possible and remove this fraudulent collection from my credit report. 

Your prompt attention to this matter is essential in correcting the inaccuracies on my credit report. I appreciate your cooperation in resolving this dispute in accordance with federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM VICTIM OF AN IDENTITY THEFT AND FOR OVER 6 MONTHS I HAVE BEEN TRYING TO HAVE EQUIFAX TO REMOVE THE FRAUDULENT 2 ACCOUNTS FROM MY CREDIT REPORT. AT THIS POINT I AM NOT REALLY SURE HOW ELSE TO PROVE THAT I AM VICTIM OF AN IDENTITY THEFT. I FELL LIKE AT THIS POINT EQUIFAX IS DISCRIMINATING AGAINST ME. I HAVE SENT THEM A POLICE REPORT, IDENTITY THEFT REPORT. NOTARIZED DOCUMENTS AND FOR 6 MONTHS THEY HAVE NOT DONE ANYTHING. THE SAME ACCOUNTS WERE REMOVED FROM XXXX AND  XXXX XXXX. SOMEONE STOLE MY INFORMATION, PRETENDED TO BE ME AND OPENED ACCOUNTS FRAUDULENTLY, NOW I HAVE BEEN BEGGING EQUIFAX TO HAVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REORT. I HAVE ALSO REACHED OUT TO XXXX XXXX XXXXXXXX AND TO XXXX XXXX  LINE OF CRED, THEY BOTH CONFIRM THAT EQUIFAX HAS NOT SUBMITTED ANYTHING TO THEM. NOW I FEEL LIKE EQUIFAX HAS SOMETHING TO DO WITH THE FRAUDULENT PERSON THATS WHY THEY ARE NOT REMOVING THE ACCOUNTS, ITS BEEN 6 MONTHS.
Product: Credit reporting or other personal consumer reports

I would like the credit report to removed all my late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX acct # XXXX and XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card or prepaid card

I am a long time Capital One customer and used to consider them my preferred bank. 

Recently, I started a new company and because of my prior satisfaction with Capital One I decided that they would be my primary bank. I applied for a Small Business Checking Account on XX/XX/XXXX. After some time they came back to me requesting further information about my business which I promptly provided.
I did n't hear back from Capital One until XX/XX/XXXX ( violating their own 5-7 day policy ) later at which time they told me my new account would be shut down if I did n't respond within 2 weeks time. What new account? I never signed any documentation? I never received any of the required documents to open a new bank account? While this is clearly frustrating and a breach of trust if not the law ( opening an account under a business 's name without their approval ). That is not why I am writing. 

While my account was apparently being setup without my approval, Capital One proceeded to switch my personal credit card account contact information to match that of the business account for which I was applying. This meant that all of my credit card statements and personal information were shared with my business account which is publicly available to my coworkers. Capital One, without my consent, shared my personal financial information with people who had no consent or credentials to receive it. 

It 's a gross violation of my trust and my rights as a customer.
Product: Debt collection

i have no knowledge of said collection. I was never given anything with my signature. I was never given a bill. No proof of any ownership. Therefore this needs to be deleted from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Sunrise, FL XXXX XX/XX/XXXX XXXX XXXX Credit Bureau XXXX XX/XX/XXXX I need you to attend the following shown items in this letter which contains data taken directly from my credit report which you have provided. 
Hard Inquiry Removal XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX Delete this inquiry lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C. 1681 ET SEQ. Section 604 of Fair Credit Reporting Act.

Legal Basis for Removal of Hard Inquiry : Under 15 U.S. Code 1681b ( f ), a consumer reporting agency is prohibited from furnishing a consumer report unless there is a permissible purpose as outlined by the FCRA. If this inquiry was not authorized by me in writing or initiated by me directly, it constitutes a violation of this law.

Additionally, per 15 U.S. Code 1681i ( a ), you are required to investigate disputed information within 30 days of receiving my request. If you can not provide tangible proof that I authorized this hard inquiry ( such as a signed credit application ), you are legally obligated to remove it from my credit report immediately.

Failure to remove an unauthorized inquiry may result in legal action, including complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as pursuing statutory damages for willful non-compliance under 15 U.S. Code 1681n. 

Once you have fulfilled my request, mail me an updated credit report reflecting these changes. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collections amount of {$2300.00} from XXXX XXXX  that does not belong to me. The account number as shown is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts and their respective creditors are in direct violation of the FRCA laws put in place to protect me as a consumer in this country. I have contacted by phone, and mail addressing my concerns regarding these fraudulent accounts formed as a direct result of identity theft, and there was no response or solution given as far as rectifying my issues is concerned. Please see below the accounts/creditors referenced above. 

XXXX Account Number : XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Below are the following US Code violations these entities have committed.

16 CFR 681.1 ( 2 ) ( iv ) 16 CFR 660.4 ( b ) ( i ) 16 CFR 660.4 ( b ) ( iii ) 16 CFR 660.4 ( d ) ( 1 ) 16 CFR 660.4 ( e ) ( 1 ) 16 CFR 660.4 ( e ) ( 2 ) 16 CFR 660.4 ( e ) ( 3 ) 16 CFR 660.4 ( e ) ( 4 ) 15 USC 1681 ( i ) ( 7 ) states that the consumer reporting agency shall provide to aconsumera description referred to in paragraph by not later than 15 days after receiving a request from theconsumerfor that description. 15 USC 1681 ( i ) ( 8 ) states that the deletion of the information should also come within 3 business days, and 15 USC 1681 ( i ) ( 8 ) ( a ) states that I must be informed by telephone of the deletion. These blocks the credit bureaus place on my report immediately get removed with NO details of the investigation, regardless of all information I supply them with that, quite literally, details all aspects of my identity theft.
Product: Debt collection

An account was opened at Sunrise Credit in XX/XX/2022. I did not open this account. When I saw Sunrise Credit on my credit report I immediately contacted XXXX they stated that I was a victim of identify theft/Fraud and I should contact the credit bureaus to report a identity theft/Fraud incident. XXXX XXXX Sunrise has never contacted me about any type of account that I owed. This is not an account that I opened. I disputed this account with XXXX and with Sunrise. XXXX continues to report that Sunrise has verified that this account belongs to me after I disputed it three times.
Product: Credit reporting

Transunion did not do a proper investigation as they said they did. XXXX has confirmed they have been reporting incorrect information and the accounts should be deleted for incorrect reporting. non compliance with investigating when I asked them for months to do so. they did not insure all information was correct and complete as per FCRA
Product: Mortgage

Company is withholding {$13000.00} from an insurance claim. I have completed all repairs. They will not send an inspector to my house to verify work has been done. I have requested an inspection many times. They are the worst company I have ever dealt with. Customer service people are on mandatory overtime. They take 24 hours to even return a call when I call. I have provided all information multiple times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent certified letters to Experian, XXXX and XXXX on XXXX, XXXX, XXXX, XXXX and XXXX, XXXX, XXXX about inaccurate accounts that they need to verify and send their method of verification and they failed to comply. They claim that the information is valid but refuse to explain how they validated the incorrect information. Account XXXX XXXX, XXXX CARD AND XXXX XXXX XXXX
Product: Student loan

Paid off my school loan in XXXX and received two US Dept.of Education letters confirming I completely paid off my school loans on XX/XX/XXXX and XX/XX/XXXX. I then received a refund check from the Dept. Of Education for overpayment of my school loans.effective date:XXXX 

XXXX XXXX XXXX then started sending billing invoices three ( 3 ) years later in XXXX for a payment schedule of unpaid balances. I was not given any documentation of this new unpaid balances? 
I contacted Aidvantage Loan Servicing ( XXXX  sold ) in XXXX to inquire about this mystery unpaid balance 3 years after I had documents to prove I paid off my loan in XXXX. 
After six attempts to reach the Claims Dept., they send a letter which stated : FSA requested adjustments to the account and this placed a balance back on the account. A bill was sent reflecting the balance of {$590.00}. This balance is valid based on requested adjustments per FDA.

I sent a letter to the Claims Dept., with copies of my two DOE letters stating I completely paid off my loans in XXXX and the copy of my DOE refund check in XXXX. 

I have not heard back and the supposedly balance due on the ( already paid out ) school loan is now {$840.00} due to interest. 
I am retired now, I paid my loans in full in XXXX with documentation. I have no proof or documentation that an adjustment was activated and valid as XXXX stated in XXXX.
Product: Credit reporting or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Mortgage

I 'm not sure if this is worthy of your time, however it does seem criminal to me. 
I have been paying my mortgage on a house for over 20 years. I have n't minded that it has been sold many times during that time. It was brought to my attention that I had a late charge by my wifeon my last statement after a change of mortgage company 's. I called to ask about it since I have never been late on a payment. I was told that it was not a late charge but a escrow estimate charge that they had done when acquiring the mortgage. I ask why they passed this fee on to me and they said it was their policy and that 's just the way they do business. Here is my question. Why am I being charged from a company that 's profiting from a purchase they made, and how many others are being fleeced thinking they have a late fee. The company is Carrington Mortgage Services.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bankruptcy Chapter XXXX DOCKET # XXXX This BK was dismissed in XX/XX/XXXX but my credit report shows the discharge status as XX/XX/XXXX. This is preventing me from getting approval on my home home and needs to be corrected or deleted immediately.