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

As usual experian has notified me that they are STILL working on the issues of XXXX more complaints which were exactly like the XXXX complaints they closed without having addressed the problem which is Experian NOW has stolen XXXX going on XXXX  months of on time never late payments to XXXX and refuse to give them back mean while pushing loans and credit cards that are junk and experian also tells me if I give them money they will update my scores, that's the true definition of EXTORTION
Product: Credit card

application XXXX with Capital One was denied. upon original application, i received a message that they needed to verify my information and sent a link for me to upload my social security card and front and back of drivers license, i submitted via hyperlink and called in to confirm receipt, they advised after 3 days they didn't have it and provided a fax number for me to send. called back, they confirmed receipt and the application was denied as unable to verify my identity. i found this peculiar as the information has hit my credit report as an inquiry, i have reached out weekly as i have not received the denial notification, yet still advised verbally the application is denied and they aren't able to advise why. I am now leery as to if this application was valid and truly went through Capital One, even with people being able to access the application over the phone. There is no way for me to validate what is going on and if this was truly Capital one, yet i have faxed and uploaded my personal information and photo identification card. fax sent on XXXX fax number XXXX verification of fax received. phone number i have been contacting is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 I applied for a credit card and was denied because my information did not match my SS number. I was told by Equifax that one number was off. I faxed and mailed my identification ( total of 3 times ). I received a credit report stating I was also known as a woman ( I am a XXXX year old man, XXXX at the time in question ), in a different state with multiple accounts that were not mine. I filed the dispute paperwork online and mailed in a copy. I received multiple emails from Equifax stating the dispute was resolved with instructions to access it online. However, I can not access it online because I get an error stating the information does not match. I have called numerous times, all I want is an updated copy of my credit report because I am afraid it was not corrected properly since I am unable to access it online. I have emailed Equifax numerous times and am told to call customer service. Everytime I call, I am put on hold only to be told their computer system is down. All I want is a copy of my credit report and I seem unable to get it. The other credit reporting agencies had my information correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX letter that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following accounts need to be removed as they are fraudulent. 

XXXX  XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} and XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$40000.00}. 

If you claim these accounts are 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove these accounts from my file. 

Please note Im sending this letter certified to protect my rights. Ive researched online that you make a habit to not comply with the above listed FCRA statute. If you choose to ignore my request to block these accounts I will be referring this matter to my attorney for further action. Please do not make this a litigious matter
Product: Credit reporting or other personal consumer reports

I am writing to formally exercise my rights as a federally protected consumer under the Fair Credit Reporting Act ( FCRA ) and related laws to opt out and rescind any and all authorizations I may have previously provided to your institution. 
Opt-Out and Rescission of Authorization Effective immediately and indefinitely, I, the undersigned consumer, hereby : 1. Rescind Authorization : Revoke any and all authorizations I may have granted, whether written, unwritten, verbal, or non-verbal, that permit the collection, sharing, or use of my personal information. This rescission is made under the authority of 15 U.S.C. 6802, which governs the obligations of financial institutions to respect the privacy choices of consumers. 
2. Exercise Opt-Out Rights : Formally opt out of the sharing of my nonpublic personal information, in accordance with 16 CFR 313.1, which enforces privacy obligations under the Gramm-Leach-Bliley Act. 
Legal Basis for My Request This request is supported by the following federal statutes and regulations : 1. 15 U.S.C. 6801 : This section mandates financial institutions to establish standards that protect the confidentiality and security of nonpublic personal information. My opt-out request is a direct exercise of my right to restrict unauthorized access or use of my information. 
2. 15 U.S.C. 6802 : This provision grants consumers the right to opt out of the sharing of nonpublic personal information. My decision to rescind all authorizations aligns with my statutory rights under this section.

3. 15 U.S.C. 6805 : This section provides the enforcement framework for compliance with consumer privacy obligations. I expect your organization to adhere to these legal requirements and promptly implement this opt-out request. 
4. 16 CFR 313.1 : The Privacy of Consumer Financial Information regulation obligates financial institutions to inform consumers of their rights and provide mechanisms for opting out. This letter serves as my explicit directive to exercise those rights.
Product: Checking or savings account

I received an email on XX/XX/24 from Chase stating that I need to call in to avoid my account being closed. I called in and they notified me the decision was made to terminate the relationship and I would get a cashier 's check in 10 days. They were going to hold my money until then. When I asked for the reason, I was not given any. I had to go into the branch twice and call until I finally got someone who approved for me to receive my money. Each time I got the same answer, terminating the relationship and no reason to why. I had to scramble to get a new account somewhere else. The worst experience at Chase and I have been a customer for over 20 years.
Product: Credit reporting or other personal consumer reports

I have submitted 3 different disputes to XXXX, XXXX, and Transunion. NONE of them have responded to me. At this point I think they are throwing my disputes in the trash can. There are two accounts with errors on my credit report. I have asked for proof of my 21 day billing statements from the creditors and bureaus. NONE have been provided. I was never late on these accounts. Please help me by ensuring the bureaus do their jobs.
Product: Mortgage

I have sent my loss payment check of XXXX for an insurance claim I filed for Hurricane Irma damage to my home. The ck was received by ( Ditech Financial ) my mortgage holder back on XX/XX/2018. I sent them all requested documents except a detailed estimate from the insurance carrier. This estimate that they are requesting was not given to me.As the claim was a negotiated settlement amount that was agreed to by both the insurance carrier and myself. No such estimate exists and i can not supply them with this document as they are requiring to release the {$28000.00} dollars that they are holding. They only sent me {$5000.00} to commence repairs. I have sent them a contract that I have with a roofer for {$7700.00}. I had to pay my public adjuster who negotiated the claim, his fee for services of {$3700.00}. for which I sent the receipt of payment. I am caught in a very difficult position of how to proceed with repairs without the necessary funds. My roof is still leaking and conditions are getting worse. Ditech refuses to release any additional funds as they tell me " their investor requires this detailed estimate to release the funds ''. This is impossible to do as my public adjuster explained to them. It is a negotiated settlement for a fixed dollar amount. My attorney sent them a letter on XXXX-18, so as to release all funds as to continue repairs, and they have ignored his petition.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

On XX/XX/XXXX, SOLVERITY add a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA SOLVERITY has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX  days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I am a victim of fraudulent information reporting and I am filing this complaint to WFBNA CARD. I am writing to appeal that you block the following false information from my credit report. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit records that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX XXXX - ( XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My Name is XXXX XXXX am writing to you in reference to the following : I have disputed this account information as inaccurate with you, and you have failed to respond. Under the laws of the FDCPA, I have contacted the collectors myself and have been unable to get them to verify that this is valid debt.

Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Reason : The account is closed Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX Reason : Account is fraudulent The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area.

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA.
Product: Debt collection

On XX/XX/2019 I received an alert from XXXX that I had a collection on my report. The collection was added by a company called Trident Asset Management. I called the company and they stated that they could not find me by my name. I looked into the debt on the XXXX credit report and noticed they stated it was for {$40.00} and that the original creditor is XXXX, XXXX. I am a current customer of XXXX, so I knew this can not be correct. I called XXXX and they stated that since all of their products are pre-paid, they do not send people to collections and that this is most likely fraudulent if it is being reported that way. I have never received any written communication from Trident and they would not provide me information when I called because my name " was not in their system '' - After some research online, I believe this is a scam. I've attached my complete order and payment history showing the payments were pre-paid.
Product: Debt collection

I am reaching out in regards to a debt owed due to an identity theft matter. That is irrelevant the purpose for this message is to report that the same debt is being reported multiple times by multiple agencies sometimes they change the amount by XXXX $ or XXXX $ granting them access to report the same debt more then once in the same time period. 
I find that highly illegal and doing so has effected my score very negatively to say the very least. I have pictures and proof if needed. I have disputed multiple times off multiple platforms and it leads nowhere. Also requested multiple times all information on this account XXXX have recieved nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report may have been hacked, according to reports. I was looking over my records once more when I found a lot of things that weren't mine. The FCRA 's section 605b requires you to remove and block any things that are discovered to have been opened as a result of identity theft, according to my diligent study. I do not own the objects in the dispute. As a result of additional study that both parties requested, I am providing the necessary FTC Report for you. Those files should be blocked or deleted. 
XXXX XXXX XXXX XXXX, MD XXXX ; XXXX, XXXXXXXX XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX OF XXXX  XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$600.00} ; XXXX XXXX Balance : {$390.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE BE ADVISED THIS IS MY 2ND REQUEST, PER FCRA THIS INFORMATION MUST BE BLOCKED FROM MY REPORT WITH IN 4 BUSINESS DAYS. SO, IM NOT UNDERSTANDING WHY YOU ARE RESPONDING SAYING 60DAYS,, THAT TO LONG. I WILL BE FILING A COMPLAINT WITH THE ATTORNEY GENERAL OFFICE. 





Please be advised, I noticed the credit bureaus that I had been a victim of identity theft. Per FCRA I asked them to block information from my report. Not only did they ignore my request, but it also seems as if there IS A VOLATION of the FCRA and the FTC. I sent a statement FTC report and proof of identity. It was also names on my report I never went by Accounts XXXX XXXX {$380.00} XXXX XXXX {$810.00} XXXX Bank {$1200.00XXXX XXXX XXXX {$1600.00} Please see attached FTC report for additional information amounts account numbers and off please like this information from my report as it was right please block this information for my report as Ive sent in the proper identification if I dont hear back from you and this is not a block within four days I will make a complaint with the attorney general 's office and seeking to get a legal counsel PLEASE DELETE THESE NAMES FROM MY CREDIT FILE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all of the following names are fraudulent and needs to be removed. Please see attached FTC report and proof of identity thank you PLEASE DELETE THE FOLLOWING ADDRESS AS THEY DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, TN XXXX
Product: Mortgage

XXXX XXXX, I sold my home and paid Astoria Bank ( see attached documents ) 100 % of the amount requested to be " Pay Loan in Full. '' To this date, I am still asking that Astoria Bank properly report that the credit report to reflect " Pain in Full. '' With the help of CFPB I 've made progress by correcting the late payment errors and asking Astoria to update they wording, however now they have chosen to state a reporting of " Pain in Settlement '' which is still false. They recently changed the wording from " Paid for Less than Full Balance '' which proves that they have ability and control over the wording ... I ask that they please just change the wording to " PAID IN FULL. '' I 'm not sure why they are playing these games and being so aggressive to me personally, but I ask the CFPB request that they once and for all end this game playing. It 's two years already, the account has been closed and paid in full ... please stop wasting everyone 's time and valuable energy already. The documents I have attached show the closing documents from my attorney XXXX XXXX and Astoria with the amounts requested along with the corresponding IRS Tax form that was provided my Astoria. In addition, I have attached the XXXX Credit Report from XXXX/XXXX/XXXX and XXXX/XXXX/XXXX showing the two different statements. Please note that they have properly reported no late payments, which was corrected with the help of CFPB, now I request that the " Paid in Full '' Status be updated as well. Please feel free to reach out to me or my attorney directly for any additional questions. Thank you!
Product: Credit reporting or other personal consumer reports

I checked my personal credit report, which I acquired from your organization, and I noticed that this unauthorized inquiry had been made. They all need to be removed : XXXX ) XXXX XXXX ( dates ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ( date ) XX/XX/XXXX XXXX ) XXXX XXXX ( dates ) XX/XX/XXXX, XX/XX/XXXX XXXX ) XXXX  XXXX ( date ) XX/XX/XXXX XXXX ) XXXX  ( date ) XX/XX/XXXX XXXX ) XXXX XXXX ( date ) XX/XX/XXXX XXXX ) XXXX XXXX ( date ) XX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX ( date ) XX/XX/XXXX XXXX ) XXXX  ( dates ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, please remove the unauthorized inquiry from my credit report
Product: Checking or savings account

The full year of XXXX this would happen in numerous occasions i asked questions on how was it possible that it would happen also i never understood how they move the money around on different dates making thing pend that i was always sure came out the account at the moment of transaction
Product: Credit reporting or other personal consumer reports

1. XXXX XXXX XXXX opened XXXX XXXX. XXXX  without my permission. I realized this fraud opened an account in XX/XX/XXXXXXXX  with a notice from three credit bureaus about delinquent status. 

2. I also got the mail from the XXXX  that there was a data breach and my information belonged to this data breach accident. 

3. I sent all of the evidence to three credit bureaus and a XXXX XXXX  company. 
The other fraud activity accounts were successfully deleted from my credit files. 
But XXXX still remains on my credit files. 
The three credit bureaus noticed today that the XXXX card was not accepted delete this fraud account with charge-off status. 

4. I got a Data breach notice on XX/XX/XXXX, but I did not live in XXXX  in XXXX. I lived in XXXX, XXXX. I moved to XXXX  in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 

XXXX XXXX XXXX XXXX : {$11000.00}.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX  XXXX XXXX Balance : {$150.00} XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX