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

I am writing to formally dispute inaccurate information contained in my credit report, as allowed under the Fair Credit Reporting Act ( FCRA ). Specifically, I request your assistance in investigating and removing the inaccurate entries that are affecting my credit profile.

According to 15 U.S. Code 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information they report. Furthermore, under 15 U.S. Code 1681i ( 5 ), inaccurate or unverifiable information must be promptly addressed and removed from a consumer 's report.

After reviewing my credit report, I have identified the following inaccuracies requesting for removal immediately : Experian XXXX XXXX XXXX XXXX XXXX XXXX Open/closed Open {$10000.00} Date opened XX/XX/XXXX XXXX XXXXXXXX Open/closed Closed {$1000.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$14000.00} Open/Closed Closed Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$4600.00} Open/closed Closed Date opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$5700.00} Open/closed Closed Date opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$12000.00} Open/closed Closed Date opened XX/XX/XXXX XXXX Credit Accounts XXXX XXXXXXXX XXXX  XXXX Open/closed Open {$10000.00} Date opened XX/XX/XXXX XXXX XXXX Open/closed Closed {$1000.00} Date Opened XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX {$14000.00} Open/Closed Closed Date Opened XX/XX/XXXX XXXX XXXX XXXXXXXX {$4600.00} Open/closed Closed Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX {$5700.00} Open/closed Closed Date opened XX/XX/XXXX XXXX XXXX XXXXXXXX {$12000.00} Open/closed Closed Date opened XX/XX/XXXX XXXX Credit Accounts XXXX XXXX XXXX XXXXXXXX Open/closed Open {$10000.00} Date opened XX/XX/XXXXXXXX XXXX XXXX Open/closed Closed {$1000.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX {$14000.00} Open/Closed Closed Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$4600.00} Open/closed Closed Date opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$5700.00} Open/closed Closed Date opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$12000.00} Open/closed Closed Date opened XX/XX/XXXX
Product: Money transfers

I came to warn you about a website hosted under XXXX XXXX XXXX. 

I provided a Western Union for XXXX USD under the name of XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. He receives payments for services he does n't provide. I was a victim of fraud yesterday and my order was not successfully completed. Western Union acknowledged the cash pickup and I was left without my service. 

He has a XXXX account under investigation with the same name XXXX XXXX XXXXXXXXXXXX. He set in motion a western union payment yesterday through my email where he convinced me to pay and continues to request for more money for services he did not complete as early as XXXX XXXX XXXX XXXX XXXX 2015.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XX/XX/year> Experian Dispute Department XXXX XXXX XXXXXXXX XXXX, TX XXXX Subject : Method of Verification Request for XXXX  XXXX Account Dear Experian, I recently disputed the accuracy of a XXXX  XXXX account appearing on mu credit report. I am writing to formally request the method of verification used to confirm this account under the Fair Reporting Act ( FCRA ) 611 ( a ) ( 7 ). Please provide the details of the investigation including : - The name, address, and contact information of the entity that verified this account. 
- The specific procedures used to verify the accuracy of this information. 

If you are unable to provide this verification, I request that the disputed account be removed from my credit report immediately. 

I appreciate your prompt attention to this matter and expect a response within 15 days of a legally required timeframe. Please send your response to the address listed above. 

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

I have tried to contact XXXX XXXX for almost 3 months. Someone opened a credit card in my name with this company and now I have a charge off on my credit. XXXX XXXX is not reachable they do not call back. I have sent emails and called no reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2017 ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX AV XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$860.00} ; XXXX XXXX XXXX : {$3700.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy DateFiled/Reported : XX/XX/2017 Reference # : XXXX.
Product: Mortgage

I have my checking and saving account with another bank. Nationstar dba Mr. Cooper was sold my mortgage and has been my mortgage provider for about a year or so. I do not do automatic mortgage payments but pay the mortgage with Mr. Cooper 's app. 

On the morning of XX/XX/21 at XXXX XXXX, Mr. Cooper made four unauthorized electronic mortgage withdrawals from my checking account XXXX {$640.00} each withdrawal totaling {$2500.00} XXXX. This wiped out my checking account and caused my savings to automatically deposit the needed funds into checking. 

I called Mr. Cooper 's customer service line as soon as their " office '' was open at XXXX XXXX XXXX ( XXXX XXXX XXXX  ) no less than four times. Each time I was put on hold without speaking to a live person and that my wait time would be longer than ten minutes. However, one minute after that message I was told by their system that they were experiencing higher than usual call demand and to call back another time, then it hung up. This happened each time I called. 

I went to my bank branch and spent the morning with their customer service department, who was overwhelmed with the fallout of Mr. Cooper 's issue, and filed a complaint/dispute with my bank. My funds were reimbursed later in the afternoon but I wanted your office to be aware of the unauthorized access of consumer accounts by Mr. Cooper. 

Mr. Cooper said it was a problem with their processing vendor. Regardless, I and other consumers had money taken out of our accounts ( one article from another state said one person had seveXXXX withdrawals totaling {$10000.00} XXXX without authorization. 

The scary part in the morning was not knowing if these unauthorized withdrawals by Mr. Cooper would continue.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX someone made 2 hard inquiries with my info to MoneyLion. On XX/XX/XXXX a {$600.00} line of credit was issued to that person. I check my credit every week online and i promptly reported this with ML and the bureaus. As of today XX/XX/XXXX ML still had not reported the fraudulent account with the bureaus. I need both inquiries AND the fraudulent account to reflect my credit accurately. I spoke with XXXX  at ML and XXXX at XXXX  today and they may be working on it, but I have had an additional two months of inaccurate scoring and i am trying to get a HELOC and all this nonsense is holding us up. There is no reason this should still be ongoing. The glendale police has already provided affidavits, etc. It has already been proven as fraudulent yet my scores and reports are not corrected. Also, if an account is found to be fraudulent, why does the consumer have to babysit the INQUIRIES? It is obvious that if the account is fraudulent then the inquiries that got the account open are also fraudulent. I am not happy that the info given to ML was so inaccurate yet they approved the account. the person who used my SSN and name and address used a FAKE phone number, FAKE email, FAKE work name and FAKE work number. If ML had done due diligence to check these things then the fraudulent account could have been prevented. and i would not have to keep making sure it is correct.
Product: Mortgage

I 'm filing a complaint against my mortgage servicer Ocwen Loan Servicing ( OLS ), due to a multitude of violations to the U.S. bankruptcy code. This gross negligence is consistent with payment misapplication, post-petition payment disbursements received from the US Bankruptcy Trustee in case # XXXX.This neglect has resulted in my mortgage account being in sever delinquency and in danger of being foreclosed upon shortly. 
The problem began when my husband and i started falling behind on payments OLS, refused to modify the loan or offer any options in which to keep our home.. 
In order to avoid foreclosure in XX/XX/XXXX, my husband and I filed for chapter XXXX bankruptcy. This process was completed with and approved bankruptcy plan ( BK Plan ), which provided all of our creditors to be paid back as well as we could retain possession of our home. My husband paid bi-weekly payments in the amount of {$380.00} faithfully from XX/XX/XXXX through XX/XX/XXXX. The total amount paid into our BK Plan, was {$19000.00}. **SEE EXHIBIT A - XXXX BANKRUPTCY ( CLAIM REPORT ) DATED XX/XX/XXXX THRU XX/XX/XXXX Of this amount my BK claim report reflects that OLS was paid {$8300.00} in all. However OLS 's, accounting for our disbursements and payments applied during our active bankruptcy plan ; between the span of XX/XX/XXXX through XX/XX/XXXX total only {$5100.00} The OLS accounting only reflect 9 payments having been applied to my account as follows : {$830.00} -- XX/XX/XXXX {$550.00} -- XX/XX/XXXX {$550.00} -- XX/XX/XXXX {$260.00} -- XX/XX/XXXX {$850.00} -- XX/XX/XXXX {$570.00} -- XX/XX/XXXX {$550.00} -- XX/XX/XXXX {$420.00} -- XX/XX/XXXX {$550.00} -- XX/XX/XXXX Total {$5100.00} Furthermore, I feel there is money that is still unaccounted for and this needs to be fixed. This account should not be as far behind as it stands, which is currently 35 payments past due, with a substantially large outstanding balance of {$23.00}XXXX. 

My family is prepared to file a civil lawsuit in U.S. Federal court regarding creditor abuse if this matter is not cured at once. I demand that all foreclosure activity remain halted until this matter has received acceptable attention.
Product: Credit card or prepaid card

Bank of America is reporting a charged off/written off on my Consumer Credit Report. This reporting is not accurate. 
According to the IRS website debts that have been Charged off or Written off are treated as canceled or forgiven DEBT for tax purposes, and the related canceled amount is reported to the IRS on Form 1099-C. I would like to bring to your attention that the reporting of a charged-off or written-off account as a debt on my Consumer Credit Report is inaccurate, as canceled debt does not constitute debt owed. 

See attached file.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated this things in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). Please verify that the account is XXXX percent true, accurate, and correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct this account immediately : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect DOB : - 1990 Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX, XXXX, WA, XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPEDXXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX IN PERSONS OR XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART XXXX [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX  ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent out certified letters to all 3 credit bureaus stating to them my concern for the accounts that they have reporting on my credit report. They have failed to respond to any of the letters I have mailed out to them. I have given them 6 months to respond but they are failing to acknowledge anything that I have sent to them. The accounts that are reporting are inaccurate and do not belong to me. This alone has hindered my life and has stopped my ability to move forward with what I need in life.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX and XXXX has information and accounts on my credit report that are not mine and they refused to remove them and or delete them.
Product: Bank account or service

I recently sent a dispute to Fifth Third Bank in regards to an inquiry made to my XXXX report. I was sent back a letter from them denying my request for removal of this unauthorized inquiry from my XXXX report. Please view attachment.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I received an email from XXXX XXXX stating a credit card application had been declined. I also received emails from several credit monitoring services stating I had a new hard inquiry on my credit report. 

I have not applied for a new credit card. This is fraud. 

I attempted to open the decision letter from XXXX XXXX, but was given an error message stating my input information ( last XXXX ssn, name, zip code ) did not match what was previously provided -- perhaps the fraudster used an old zip code? 

Immediately, I went to my credit reports for XXXX, XXXX, and Transunion. The hard inquiry is listed on all three reports. 

I called XXXX first to dispute the hard inquiry. The representative was very helpful, and she recommended I file a report with ftc.gov as my next step -- that's what I'm doing here.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent a dispute letter over 30 days ago asking each bureau to investigate inaccurate reporting. I sent the following disputes for each account on XX/XX/2021. ( U.S. Department of Education ) ( XXXX XXXX ). Failure to remove these accounts have hurt my credit. According to section 617 civil liability for negligence noncompliance is any person who is negligence in failing to comply with any requirements imposed under this title with respect to any consumer is liable to the consumer in an amount to the sum of any actual damages sustain by the consumer as a result of failure to comply. It has been over 30 days and also I've ask for all supporting documents verfiying this alleged debt which was given each bureau 15 days to send supported documents which they have failed to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the market to refinance my mortgage. I authorized XXXX XXXX to pull a hard inquiry on my credit on XX/XX/XXXX. I have learned upon reviewing the credit reporting agencies reporting that several creditors that I have no accounts with have entered numerous inquiries to my credit report around that time without my authorization. I made it clear that I was shopping rates and that I absolutely did not want me credit to be run multiple times if a potential creditor could not beat the offer I was given by XXXX XXXX. The amount of inquiries for speaking to only 3 lenders and only aggreing to allow my credit report to be pulled by only XXXX XXXX to my understanding is alarming. 

The creditors that have non account holding inquiries are the following. 

1 ) XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX 2 ) XXXX XXXX XXXX ( ( TWICE ) XX/XX/XXXX & XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX 3 ) XXXX XXXX XXXX ( 4 TIMES ) XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX 4 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

Hello, I have several unauthorized inquiries on my report. I have contacted all three credit bureaus by phone and email numerous times each month with no resolution. They all provide me with the same script to contact the company which I have and they advise me to contact the credit bureaus. Below I have provided the inquiries from each credit bureau. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$400.00} ; XXXX XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$8200.00} ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX Balance : {$400.00} ; XXXX XXXX  Bankruptcy Reference # XXXXDate Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; EQUIFAX XXXX XXXX XXXX XXXX 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: Bank account or service

someone opened an account with Bb & t it was not me I have proff of the address I was living at I was living in XXXX and the account was used in XXXX Someone stole my identity and put checks into the account I would like to take care of this
Product: Debt collection

I recently discovered that in early XXXX 2017, the company reported negative information to the credit bureaus regarding a debt I have no knowledge of. I have never received any correspondence from the company and have no idea who they are or who the alleged original creditor is.
Product: Debt collection

Hi, I had a XXXX membership that I had been paying for through my job. I had the cancel anytime with no fee membership with XXXX XXXX, which I intentionally pay for more each month. I spoke with XXXX I believe their name was at the XXXX location around XXXX of XXXX  and was under the impression that it was cancelled. Therefore I have no proof, something it seems might be intentional from XXXX XXXX in order to back their customers into a corner with no way out. I have been using my XXXX membership ever since. I ended up not having the time anymore to go to the gym anymore because my work schedule picked up for the tax season so I cancelled my XXXX membership in XXXX of this year. I even have XXXX reciepts from XXXX XXXX of last year. I really dont know what else to do, everyone at Blink and at ALDOUS AND ASSOCIATES , PLLC is so mean and not helpful over the phone and telling me my only option is to Pay, they wont listen to reason and me telling them to please find who I may have spoken to when cancelling. In addition to the debt being incorrect and unjust the amount is also incorrect. I have tried explaining this to ALDOUS AND ASSOCIATES, PLLC and the only response I receive is that I can pay by card. They are attempting to collect a debt of {$170.00} but I have communications from XXXX XXXX stating that my owed amount is {$110.00}, a {$56.00} discrepancy. I don't have the funds to just pay a debt know is unjust and incorrect but I would if I could and just forget about it. I am XXXX XXXX XXXX and have never ever missed a payment my credit score is XXXX and I have been working so so hard to get it there. Im really sorry, I feel so backed into a corner. Please if there is anything that can be done I appreciate any help. Thank you for your time.
Product: Credit reporting

I had items removed from my credit report and reinserted without notification. These were items that i previously disputed. I also disputed inquiries that were removed and reinserted. They also removed collections and then put them back under accounts and then added them to collections again
Product: Debt collection

I am sending this letter because I am very concerned. There is one late payment reported on my account on XX/XX/XXXX. This is affecting my credit score and now I am not able to get a home. 

I was not actually late. There was a third-party company that was supposed to make the payments on my behalf. I realized that I was reported as late, and I decided to contact this company. In my mind, the payment was on time, as normal. I am being very affected due to their error, and I dont know what else to do. When I contacted them, they apologized and sent me a letter that I have attached. 

I am requesting Capital One National Association to correct the late payment reported on XX/XX/XXXX. This was a situation that I could not control, I was not even aware of what was happening. Ive been with your company for 7 years and I want to keep on having a good relationship between us. 

I really hope you can deeply research this case and take a fair decision. 


Account information : Account number : XXXX Opened date : XX/XX/XXXX Highest balance : $ {$4300.00}
Product: Credit reporting or other personal consumer reports

Equifax, I am writing to formally dispute an unauthorized credit inquiry that appears on my credit report. Upon reviewing my credit file, I noticed an inquiry from XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and XXXX XXXX XXXX XXXX  which I did not authorize. 

Under the Fair Credit Reporting Act ( FCRA ) Section 604 ( 15 U.S. Code 1681b ), credit inquiries require permissible purpose and explicit consumer authorization. Since I did not provide consent for this inquiry, I am requesting its removal under FCRA Section 611 ( 15 U.S. Code 1681i ) due to inaccuracy. 

Please conduct an investigation into this matter and provide me with the following : 1. Proof of my authorization for this inquiry.

2. The name of the individual or entity that requested and approved the inquiry If the inquiry can not be verified, I demand its immediate removal from my credit report. I expect a response within 30 days, as required by the FCRA. Please send me written confirmation of the results of your investigation. 
Enclosed, I have included a copy of my driver 's license, proof of address Thanks you for your prompt attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX