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

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I received your response in my complaint # XXXX and Im the one who submitted a complaint on XX/XX/2022. These inquiries are reporting on my personal credit file with XXXX and TransUnion ( XXXX XXXX XXXX ). These inquiries were reporting fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The XXXX  & XXXX XXXX  ( XXXX ) are not complying with federal law in regards to identity theft. Additionally, the XXXX  & XXXX have not provided me with any evidence, authorized or created by me. Below are the inquiries not authorized by me ; XXXX XXXX XXXX Inquiry Date XXXX, XXXX XXXX XXXX Inquiry Date XXXX, XXXX XXXX XXXX Inquiry Date XXXX, XXXX XXXX XXXX Inquiry Date XXXX, XXXX XXXX  XXXX  Inquiry Date XXXX, XXXX XXXX  XXXX Inquiry Date XXXX, XXXX XXXX Inquiry Date XXXX, XXXX XXXX Inquiry Date XXXX, XXXX Inquiry Date XXXX, XXXX Inquiry Date XXXX XXXX XXXX  XXXX  XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX Inquiry Date XXXX, XXXX  XXXX Inquiry Date XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my continued 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 items 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 alleged fraud or extortion. 
XXXX XXXX Balance : {$330.00} XXXXXXXX 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

Equifax and XXXX are incorrectly reporting me as an Authorized User on the XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I called XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX. I have contacted the bureaus to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

I was promised to receive whatever was left over from a reverse mortgage from my parents ; the decedents died, fraudulent activity occurred from Wells Fargo Bank and was transferred to XXXX XXXX XXXX XXXX where the fraudulent reverse mortgage continues. Myself, being unable to afford a lawyer, has pursued this investigation on my own for several years ; and the case is still open. I am known as the Unknown. I am suffering from XXXX, need closure and my demands met.
Product: Mortgage

Currently I have Flagstar Bank Mortgage. In XXXX the Flood Policy from my Association renewed. I had called Flagstar and gave them a heads up because I had a similar issue with previous mortgage company. I gave them contact for the Flood Insurance company and they said they would note it in my file. I called them after they sent me a letter saying that they needed the information Since I am the XXXX XXXX  I obtained the full policy and added it to there document server. Then I got another letter saying that they need the information. I called again and was first told that they didn't have the information. I told them I called and gave the information and added the policy to the document server. Then I was told that they have the information add they are expediting it. Then I found my escrow account pulled from and called again. I was told it was still being reviewed and they are flagged it to be very important.
Product: Credit reporting or other personal consumer reports

This account is showing delinquent late payment which is inaccurate. Please remove the late payment off my report ASAP. 

ACCOUNT NUMBER : XXXX - XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On my XXXX credit report, XXXX XXXX XXXX is showing as a delinquent account when this business is no longer open nor no longer has my home mortgage. I have asked for the delinquent and the account to be removed from my report. My home mortgage is current. This delinquent account is affecting my credit score. I also notice that I have a different credit score for each credit bureau but each report shows the same accounts. I see that my Equifax shows a XXXX  loan that I do not have.
Product: Mortgage

XXXX took over our mortgage in 2013, upon doing so from XXXX XXXX they started telling us we owed monies, and we were not behind at that time we knew we were not. They threathened us with forclosuer on our home. We paid them x amount of dollars to make our loan current, XXXX had our mtg. for about 1 1/2 to 2 years. We were ordered to pay different amounts through out the term of them having our mtg, They put money that we sent them into a suspense payment account, as far as we know those monies were never put towards the payment of our loan not was the money refunded back to us. They said we had to put more money towards those payments to make a full mtg. payment. We sent them XXXX several different times and no matter how much we sent them they always said we owed them something. They would charge us late fees upon late fees, charge us for people coming to our home to make sure we lived at the property listed. I stay at home, I am here 24/7 never has anyone knocked on our door, nor has anyone walked the property to make sure we lived at the address XXXX took money from us that we could not afford to give them but we paid it to keep our home. One moth they would show us current the next month we owed serveral XXXX to tbhem because there was always somthin g they woukld come up with showing us we owed the money. We asked several times for documentation to show us what we owed but never received anything. Our lives nd our credit has been effected by XXXX and how they handled our loan. XXXX sold our loan to Seterus Inc. Seterus Inc.is a nightmare and they did us the same way. they started out telling us we owed money for back mtg payments, that our taxes had to be paid, they had to pay our insurance. We in turn did the same thing, we struggled to make our payments they say we oed but we did it. Seterus went into my personal account at one ti e and withdrew money without permission or our knowledge and overdrew our account. They said they would pay those fees the bank charged but to this date we have not received anything from them.. we are current with them at this point but now they are charging us late fees upon late fees and we are not going to pay them. we will pay our mtg payment but I will not pay fees they say we owe for being late. They threatened us with foreclosuer and as long as our mtg is paid they will not get anything else from us. I am XXXX years old and they have made my life a living XXXX. We owe XXXX and our home value is XXXX How can they be allowed to harass us on a monthly basis 's when we pay our monthly mtg payment. They need to be investigated and stopped.
Product: Credit card or prepaid card

I enrolled in XXXX XXXX XXXX XXXX XXXX they waited until XXXX XXXX XXXX citi bank sued me to do anything then when i tried to take matter to court they would notlet the matter be heard in court but went to mediation and this allowed them to put the interest and charges on the court procedings now XXXX XXXX XXXX XXXX sent papers and said i needed to contact the court so i did now i have recieved notice that the court entered judge ment without acknowledging this individual at all
Product: Debt collection

XXXX XXXX claims they tried to call me regarding the matter. I have call them several times and ever time I call them they claim only 1 person can resolve the issue. I have proof 1 week I call them call after call the same response regarding the issue. They claim they call me. I work 12-14 hours shift at the XXXX and can not talk while at work XXXX XXXX call me 1 night at XXXX XXXX in which is to late considering I was at work. They had all day to call. There is nothing but games with them and there practices 1 person can take a payment or settle the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered erroneous late payments after obtaining my credit report, which were not intended to be reported late under the Covid-19 Pandemic Forbearance Period.
Product: Debt collection

XXXX is trying to collect a debt that does not belong to me. XXXX has sent this account to a number of collection companies that is reporting that I owe a debt to them. XXXX has deleted this account. File # XXXX debt was deleted found not to be my acct. File # XXXX was given to another collection agency and was deleted by XXXX. File # XXXX this was sold to another credit agency and they are now reporting the account to be mine yet, does not belong to me
Product: Checking or savings account

Chase claims transaction charge twice to account was a mistake and I shall follow up with FRAUD AND DISPUTES unit in the morning to have transaction refunded. Why Chase stealing from us? Every tax season..
Product: Credit reporting or other personal consumer reports

I am writing to dispute the hard inquiries listed on my Transunion credit report. Upon reviewing my report, I noticed inquiries that are inaccurate and unauthorized. Below are the details of the disputed inquiries : XXXX Inquiry date XX/XX/year> XXXX Inquiry date XX/XX/year> XXXX Inquiry date XX/XX/year> XXXX Inquiry date XX/XX/year> XXXX Inquiry date XX/XX/year>XXXX XXXX XXXX Inquiry date XX/XX/year> I have thoroughly reviewed my records and can confirm that I did not authorize these inquiries or apply for credit with the creditors above on the dates specified.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. XXXX XXXX XXXX  Balance : {$750.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Did not open this account, have contacted several times and they write back with an IP address stating that it is mine. I had my email compromised and information was on dark web.
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 XXXX. 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 ) XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with ; 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( b ) Statement of dispute. If the reinvestigation does not resolve the dispute, the consumer may file a brief statement setting forth the nature of the dispute. The consumer reporting agency may limit such statements to not more than one hundred words if it provides the consumer with assistance in writing a clear summary of the dispute.

I am allowed to provide a statement explaining my dispute ( up to 100 words ). This clause does not state what the content should be, and 100 words is not enough to explain the fraud that has been committed by the Dr. related to this item on my credit report. I have instructed XXXX  to provide the following link to explain my position and the truth of this fraud. 

This amount is in dispute, visit " XXXX XXXX XXXX '' for a full explanation. 

XXXX  has refused to add the statement I have provided in accordance with my rights under the paragraph of the act mentioned.
Product: Credit reporting, credit repair services, or other personal consumer reports

the following hard inquiries are fraudulent.XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As an affected consumer, I am writing to inform you that I have been a victim of identity theft, and as a result, the account with the number XX/XX/XXXXXXXX was not opened or authorized by me. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c-2, consumers have the right to request the removal of any information related to fraudulent accounts after submitting an identity theft report. Therefore, I am requesting that this account be removed from my credit report. I have attached the corresponding identity theft report, which I have filed with the relevant authorities. 

I appreciate your cooperation and prompt response in resolving this matter
Product: Credit reporting or other personal consumer reports

I pulled my credit report and noticed several inquiries that I did not authorize. On my XXXX report I see 2 inquiries from GM Financial and 1 from XXXX XXXX on On XXXX. 

On my XXXX report I see there is an inquiry from XXXX XXXX XXXX on XXXX that I did not authorize.
Product: Payday loan

I am getting threatening calls from someone who claims to be associated to Ace Cash Express. They left me a voicemail from a blocked caller ID stating that they would be coming out to my home or place of business between XXXX and XXXX the following day and that they needed to leave me the voicemail for their safety. At that time, they did n't tell me who they were, they only left a phone number. The recording requested that my Supervisor be present. They left a phone number to contact XXXX. When I contact the phone number they implied that I would be facing charges for theft of services and check fraud. I was scared to death. However, I knew this is not legal practice in the state of Texas. I was also reading online that there is a scammer out there claiming to be associated to Ace Cash Express that is attempting to trick people into believing they are the debt collector and people give them money to prevent the harassment, only to find out the debt with the original debtor was never paid. I am concerned about this and I am pretty sure this is n't the end of their contact. I am concerned that the threats may become more aggressive or that they may actually show up on my doorstep as they have threatened and that would be terrifying. I just wanted to make others aware of these practices.
Product: Money transfer, virtual currency, or money service

Money was transferred from my bank account to my XXXX XXXX on XX/XX/2025, to purchase XXXX. I reported the incident to Chime Bank on XX/XX/XXXX and disputed the amount {$1700.00}. Chime closed out the transaction and denied claim. I advised them I had made a police report and wouldn't be able to pick up police until XX/XX/2025. Adv Chime of case number, officer name who took the report, and prescient information.
Product: Debt collection

I received court documents this morning as a result of a credit card debt with XXXX XXXX XXXX. The amount that is listed on the court documents is about {$400.00} higher than my last statement with XXXX XXXX, which puts the amount over the {$3000.00} mark. I assume this was done to cross the threshold of justifying legal action. I informed XXXX XXXX several months ago that I am getting paperwork completed with a debt consolidation company. In that conversation I asked for the contact information of where to send the paperwork to but I was told someone would contact me, in which they never did. 

This morning the papers were delivered by a very rude gentleman who proceeded to yell at my wife, as I was not home and then threw the papers on my front porch. I called the company who employees this man and was told by the owner of XXXX XXXX XXXX, XXXX, that they did not violate any collection laws and he encouraged me to submit a complaint with the CFPB and FTC because he knows that have n't done anything wrong. I cited that his employee had used intimidation tactics to communicate the debt with my wife and trespassed on my property, he then responded with, " do you have a no trespassing sign up ''. 

My debt should be no higher than {$2900.00} with XXXX XXXX XXXX and I am willing to work with them to pay off the debt.
Product: Debt collection

I was called and told that I had won a free gift ( face cream ) by the company XXXX XXXX in XX/XX/XXXX, and all I had to pay was the shipping cost of {$4.00}. I paid the shipping cost and received the free merchandise. I received a letter dated XX/XX/XXXX saying that I owe {$170.00} for the same merchandise that I had received as a free gift. I told them that I did not want anymore of the gift item, but was told that I did n't respond in the time limit to cancel the merchandise, so I sent a money order in the amount {$170.00} which they said I owe on XX/XX/XXXX after receiving the first collection notice which was to pay in full the cost of the merchandise. I received a debt collection letter, XX/XX/XXXX and a second letter XX/XX/XXXX. The XX/XX/XXXX collection letter was sent by XXXX XXXX XXXX XXXX XXXX XXXX, and the XX/XX/XXXX collection letter was sent by CCB Credit Services. This company XXXX XXXX has been listed as a complete internet scam and the two collection agencies and XXXX are one and the same. There are other incidents listed on the internet about the company doing the same thing to other customers. I have paid the bill in full and the company should not contact me any further in regards to this matter. Company : XXXX XXXX - There is no contact number ; XXXX XXXX XXXX XXXX, XXXX. Contact info : XXXX or XXXX ; CCB Credit Services info : XXXX
Product: Checking or savings account

XX/XX/XXXX, ,Continuing Issues About Settlement Payments,, ( from The XXXX, ,Unathorized Banking Accounts On XX/XX/XXXX And Ect, ,Any Other Issues Tied Together With That, ,Yes I Did Receive Some Information about This But It Doesn't Describe, ,On, XXXX, ,When? Where? And What Date?, ,This Is So UnAcceptable, ,These Matters Should. already Be Solved, ,ASAP!!,, So UnAcceptable Business!!!!
Product: Credit card or prepaid card

Was contacted today by Chase and told due to a random review selection they were reducing my credit limit from {$6300.00} to {$1000.00} after I sold an asset and liquidated the balance to insure I had the line open and available.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of a charge-off account on my credit report. This letter serves as a direct dispute in accordance with the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance guidelines. 

The following account is inaccurately reported on my credit report : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Current Balance : ( Not Reported ) Payment History : ( Not Reported ) Date Opened : XX/XX/year> Date of First Delinquency : ( not reported ) The information reported for this account is incomplete and misleading for the following reasons : The account does not show a current balance, which is required for accurate reporting. 
The payment history is missing, which fails to provide a complete picture of the account status and activity. 
In accordance with Metro 2 compliance standards, all reported accounts must include complete and accurate information. The absence of a balance and payment history violates these standards and results in an inaccurate portrayal of my creditworthiness. 

To support my dispute, I have enclosed copies of the following documents : I previously request that you conduct a thorough investigation and all information came back verified and accurate by your credit bureau I ask that the charge-off account be deleted from my credit report due to incomplete and inaccurate information. 

Please provide a written response regarding the outcome of your investigation. I expect this matter to be resolved within the XXXX period mandated by the FCRA. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting or other personal consumer reports

I obtained my free credit report and saw inquiries I have no knowledge neither did I authorize these hard inquiries that have been made on my credit report. They don't relate to anything I've done. I'm worried these inquiries will effect my chances of getting a home. Please remove these unauthorized inquiries from my credit report ASAP under 15 U.S. Code 1681c-2. Unauthorized Inquiries : XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX
Product: Credit reporting or other personal consumer reports

ACCORDING TO XXXX XXXX XXXX - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

BMO HARRIS {$6800.00} WAS ADDED TO MY CREDIT REPORT. I WAS A VICTUM OF IDENITY THEFT AND HAD NO KNOWLEDGE OF THIS ACCONTS. I SEND IN A FTC REPORT 60 DAYS AGO AND STILL NO RESPONSE FROM XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

ON XXXX XXXX THESE COMPANIES DID A HARD INQUIRY THAT I DID NOT AUTHORIZE FOR AN AUTO LOAN. I REQUESTED THE COMPANY TO REMOVED IT AND WAS TOLD THEY COULD NOT REMOVE IT. ON XX/XX/year>, PURCHASED A CAR WITH XXXX XXXX  AND ONLY APPROVED WITH THAT COMPANY.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

To Whom It May concern : There is currently an inaccurate item being reported on my credit report from XXXX XXXX. I have contacted this company at the address provided on my credit report here : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX As you can see, I have enclosed a photocopy of my mail being returned from the XXXX XXXX due to invalid address. Section 623 ( a ) ( 1 ) ( A ) prohibits furnishing information to any CRA if the furnisher knows or has reasonable cause to believe that the information is inaccurate. Given that the furnisher has provided false information to you about me, and provided you with a false address, I demand that the item they are reporting be removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX