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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dispute : US BKRPT CT MD XXXX XXXX Purpose : Supplementary explanation of evidence. 

To Manager, I have previously disputed this bankruptcy record with you and in response you verified the item as accurate stating that you have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately. 

Please note my attached Birth Certificate. My legal name is noted there. Its the name I am required to use in all legal proceedings. This further shows that this record does not belong to me. I am frequently the target of identity theft and people burning my credit report with false info since my data has been breached by XXXX, opm, XXXX, and other companies. 


XXXX XXXX
Product: Checking or savings account

What happen was that I had a chase checking account I had deposit a check chase didnt wait until it cleard and decided on there behave to give me the money the money was in my account then the hacker hacked my account and transferd the money to there account making me on negative on chase I couldnt get it I tried solving with chase but they couldnt help so am here asking for help
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX - Account # XXXX, XXXX XXXX XXXX, XXXX - Account # XXXX, XXXX XXXX XXXX  - Account # XXXX, XXXX XXXX - Account # XXXX, XXXX XXXX - Account Number : # XXXX, XXXX XXXX XXXX - Account # XXXX, XXXXXXXX XXXX - Account # XXXX US DEPT. OF EDUCATION/XXXX  - Account # XXXX, US DEPT . OF EDUCATION/XXXX - Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX - Account # XXXX, XXXX XXXX XXXX - Account # XXXX, XXXX XXXX XXXX - Account # XXXX, XXXX XXXX XXXX- Account XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Net Credit and XXXX XXXX XXXX, XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Net Credit, XXXX XXXX XXXX  and XXXX XXXX  the financial institution and the Consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX, Net Credit, XXXX XXXX XXXX  and XXXX XXXX  whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Net Credit, XXXX XXXX XXXX  and XXXX XXXX  Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Mortgage

I HAVE APPLIED FOR HARDSHIP ASSISTANCE DUE TO A REDUCTION OF INCOME THAT STARTED THE WHOLE HARDSHIP IN XX/XX/XXXX. I WAS DENIED BY MY SERVICER WHO ALSO HAPPENS TO BE MY INVESTOR CHASE DUE TO " CHASE SERVICES THE LOAN FOR AN INVESTOR OR GROUP OF INVESTORS WHO HAVE NOT APPROVED A MODIFICATION BASED ON THE RESULTS OF THE CALCULATIONS OF THE NPV ''. WELL THAT MAKES NO SENSE BECAUSE A HARDSHIP IS BASED ON VERBIAGE OF A SITUATION AND FACTS WHICH THE NPV IS NOT TAKING INTO CONSIDERATION AS IT IS AN CHEAPLY DESIGNED UNDERWRITING ENGINE. THEY DIDNT EVEN COMPLETE IT FULLY AS MY INCOME IS NOT ADDED IN, PRINCIPAL RESIDENCE TOTAL HOUSING EXPENSES ARE NOT ADDED AS WELL. IT LOOKS LIKE THEY PICK AND CHOSE WHAT THEY FEEL THEY NEED TO ADD TO RENDER A DECISION IN THEIR FAVOR AND I WILL NOT TOLERATE IT. CHASE WILL NOT VICTIMIZE ME AND TAKE MY FAMILY HOME BECAUSE YOU WANT MY PROPERTY. 

FACT : XXXX MY REDUCTION OF INCOME DROPPED TO {$84000.00} WHEN MY NORMAL INCOME IS ABOVE $ 150K A  YEAR. MY INCOME INCREASE TO {$170000.00} FOR XXXX WHICH IS MY NORMAL INCOME. I UNDERSTAND MY INCOME TODAY IS HIGH AND THE PROPERTY IS AFFORDABLE, HOWEVER MY INCOME IN XXXX WHEN I WAS FIRST DELINQUENT IS THE ISSUE THAT BROUGHT ME TO TODAY. I COULD NOT MAKE A MORTGAGE PAYMENT WITH THE REDUCTION AND WHEN MY INCOME INCREASE I GET DECLINE FOR MAKING TOO MUCH. MY INCOME HARDSHIP HAS BEEN CORRECTED AND NOW THAT ITS CORRECTED CHASE DOES NOT WANT TO HELP. I WILL FILE A COMPLAINT WITH MY STATE ATTORNEY GENERAL XXXX XXXX IF NEED BE, I WILL NOT LOSE MY HOME DUE TO CHASE FEELS IT UNNECESSARY TO PROVIDE HARDSHIP ASSISTANCE BECAUSE MY HARDSHIP IS NOW CURED. THIS IS RIDICULOUS!!
Product: Vehicle loan or lease

THIS LETTER SERVES AS FINAL DOCUMENTATION THAT CONSUMER LOAN TERMS HAVE BEEN COMPLETED ( 1 @ @ @ @ XXXX XXXX XXXX HAS PAID IN FULL AND LESS THAN XXXX DAYS LATE )!! MY CREDIT REPORT SHOULD INCLUDE AND ACCURATE PAYMENT HISTORY ..NOT DELAYED. YOU CAN REPORT A LATE IMMEDIATELY AND NOT REPORT MY PAYMENTS!! USAAlocked me out of online account access and discriminated towards me by saying derogatory information and payments for an unsecured loan not related to secured auto loan! This was retaliation to push me into FORCED REPOSSWEIONAND ILLEGALLY OBTAIN VEHICLE!! 

AFTER PULLING MY CREDIT REPORT, USAA CONTINUES TO REPORT ERRONEOUS INFORMATION IN AN ATTEMPT TO MAKE FALSE DEROGATORY STATEMENTS AS SUBMITTED IN WRITING TO CONSUMER PROTECTION COMPLAINT ABOUT MY CHARACTER AND PAYMENT HISTORY to FALSELY REPOSSESS A XXXX XXXX XXXX. 

I THANK XXXX I DID NOT DEPEND ON USAA FRAUDULENT UNEMPLOYMENT INSURANCE. " PAID IN FULL, '' tells the truth not lies from a collections department. THE FINAL PAYMENT IS BANK ISSUED CERTIFIED PAYMENT AS ALL OTHER PAYMENTS due to USAA LOCKING ME OUT ACCOUNT ACCESS!! 

LASTLY, The USAA complaint response from THE COLLECTIONS DEPARTMENT VIA ATTORNEY VIOLATED - PRIVACY Act BY DISCLOSING MY personal /additional credit history not mentioned in the original complaint ( UNSECURED LOAN ) to retaliate and discriminated against me. BAR COMPLAINT COMING!! 

XXXX XXXX PAYMENTS XXXX WHICH WAS NOT REPORTED TO MY CREDIT REPORT! USAA said XXXX XXXX XXXX XXXX 

PER YOUR CONSUMER LOAN STATEMENT CURRENT BILLING CYCLE XXXX/XXXX/XXXX - XXXX/XXXX/XXXX PAYMENT DUE DATE XXXX/XXXX/XXXX AMOUNT DUE XXXX TOTAL PAST DUE XXXX TOTAL PAYMENT XXXX. I ALSO SENT AN ADDITIONAL XXXX} ON XXXX XXXX, XXXX TO SEND A REMINDER GIVE ME MY TITLE I DO NOT MEET THE CATEGORY OF PAYMENT AFTER XXXX/XXXX/XXXX!! I EXPECT MY TITLE MAILED TO MY ADDRESS BY XXXX XXXX, XXXX ( I WILL GIVE YOU LONGER THAN XXXX XXXX AS YOU STATED TO ME )!!!! I HAVE THE $ $ $!!! PAID IN FULL!! GIVE ME MY TITLE!! I OVERPAID YOU MAIL THE REFUND TO ME!! 

I WILL NOT LET USAA XXXX ME AS I HAVE MET MY CONTRACT OBLIGATIONS AND PAID THE LOAN IN FULL!! I WILL CONTINUE TO FILE COMPLAINTS UNTIL THE TRUTH IS HEARD ABOUT THIS ROGUE COMPANY!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 
FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX 2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Credit reporting or other personal consumer reports

Discovering that I have been a victim of identity theft has been an incredibly upsetting experience. My personal information has been misused, resulting in unauthorized accounts and activities appearing on my credit reportaccounts I have no connection to or knowledge of. Recognizing the severity of this issue, I took immediate steps to address it. Following TransUnion 's guidance, I filed a report with the Federal Trade Commission ( FTC ) and submitted it as instructed to help resolve the matter. Unfortunately, despite these efforts, the fraudulent entries remain on my credit report. This ongoing situation has been both frustrating and alarming, as it continues to impact my financial stability and overall well-being.
Product: Credit reporting or other personal consumer reports

I submitted an application with my local bank for a Home Equity Loan. 

They submitted a pull on my credit report. I got a call today from a phone number who claimed to be Ira from XXXX XXXX a lending broker partner of XXXX XXXX, who said he got my information from Transunion. He knew my credit score, my address, my name, my social security number, my credit cards and loans. 

He then proceeded to pressure me to try to get a mortgage with them. Stayed on the phone would not take no was very pushy. 

He sent me a text from a number to get me his business number. 

I did not tellthem to send my information to others.
Product: Credit reporting, credit repair services, or other personal consumer reports

In. accordance with the Fair Credit Reporting act XXXX Account ( s ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 reporting, credit repair services, or other personal consumer reports

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

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Florida XXXX XXXX of Birth : XX/XX/XXXX SS # : XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( XXXX ) to be in error : XXXX. The following personal information is incorrect NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect ALSO KNOWN AS : XXXX, XXXX, XXXX, XXXX, RE XXXX. The following personal information is incorrect CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. The following personal information is incorrect EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MN XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. Validate And Verify debt XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. The Original Creditor is Inaccurate Validate and Verify This Debt US DEPT ED Account Number : XXXX Please remove this inaccurate information from my credit report. 
XXXX. Validate and Verify This Debt The Original Creditor is Inaccurate US DEPT ED Account Number : XXXX Please remove this inaccurate information from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not sign any contract with the following companies.. Given the growing cases of identity theft, I'm sure that you'll agree with me that verification will protect both my interests and this company 's interest XXXX XXXX XXXX, XXXX XXXX XXXX 01  XXXX XXXX XXXX XXXX XXXX  XXXX, 01 XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, 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

The only address that should be listed on my credit report is the current address, which is the address presented on my driver 's license. According to consumer laws 15 U.S.C 1681 listed below it is not fair, nor does it give me any privacy to list and display addresses where I do not reside to be included on my credit report. Especially if I didn't consent to them being listed per any written instructions. These addresses provide incorrect information to supposed creditors, and can open the gates of fraudulent activity via mail when sent to a residence I no longer reside. In most cases the occupant of that address will open that mail, and can use that particular information fraudulently to open or reopen accounts, etc. 

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

15 U.S.C. 1681 A ( 4 ) - states consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

15 U.S.C. 1681 Section 604 A Section 2 - Consumer reporting agencies may not furnish account information without my written instructions.
Product: Payday loan, title loan, personal loan, or advance loan

So I use affirm as a line of credit to pay on things in increments. For example, I can use affirm to pay for my oil change in 4 payments instead of 1 payment of {$70.00}. After updating my contact information, phone number and email, I am no longer able to access my line of credit with affirm and this is causing a major inconvenience and financial burden to me. I have submitted front and back of drivers license and taken selfies several times at least 5 times and still can not get access to my account. Company has my social security number and I have verified identity with the company and need to regain access to my account and line of credit.
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX XXXX XXXX, I am writing to dispute the alleged debt listed on my credit report with XXXX, XXXX and XXXX credit agencies. As per the Fair Debt Collection Practices Act ( FDCPA ), I requested proper validation of this debt, including but not limited to the original creditor 's name, the amount of the debt, and documentation verifying my responsibility for the debt. To date, you have failed to provide sufficient evidence to validate the debt. 

Without proper validation, I believe the continued reporting of this alleged debt on my credit report constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). I request that you immediately delete this account from all credit reporting agencies and cease all collection activities related to this matter. 

Please confirm in writing that you have taken these actions within the next XXXX  days. If you continue to report this debt without proper validation, I am prepared to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General 's office. Additionally, I reserve the right to pursue legal action to protect my rights.
Product: Credit reporting

I filed a dispute regarding some late payments being reported on my credit report by XXXX, pursuant to FCRA 623a2b regarding furnisher must provide updated information as it becomes available. I provided the updated information along with a written dispute requesting that my credit report be updated to show that my accounts were placed on a forebearance to cover the date if thd delinquencies and the CRA still failed to properly investigate or retify my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX TX XXXX XXXX XXXX  XXXX XXXX {$3400.00} XXXX XXXX XXXX XXXX  XXXX {$21000.00} XXXX XXXX XXXX XXXX XXXX {$18000.00} XXXX  XXXX  XXXX XXXX {$2000.00} XXXX XXXX XXXX {$960.00} XXXX XXXX XXXX XXXX XXXX {$65000.00} XXXX XXXX XXXX XXXX {$1600.00} FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am pleased to see some improvements on my report and some of the items which I have disputed were removed. However, there are still remaining inquiries on my report which are unauthorized and were resulted from identity theft. I am pleading for your help to remove these remaining items found on my report. Per FCRA section 605b, the credit bureaus are required to remove/block any item listed on an identity theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted on my report. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX 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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

I had applied for a refi with XXXX XXXX through loan officer XXXX XXXX. He kept encouraging me not to pay my mortgage on time because we might close on the refi. This went on for 4 or 5 months and then I was told I was denied in a voice mail. He said I would receive a denial letter explaining everything. I have never received it. I notified him and I notified his supervisors on more than one occasion and I still have not received the denial letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX shows an account in collections that is beyond the SOL for the state of CA.

Attempted to get debt removed-CRA 's have not done so.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$420.00}.