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

In reviewing my credit report, I have identified the following items that are inaccurate 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 XXXXXXXX In accordance with the Fair Credit Reporting Act, I hereby demand that you investigate and delete these items from my credit report. It is my understanding that you will verify these items with the creditor responsible for their reporting. Please eliminate any information that the creditor is unable to verify. I am aware that, as per 15 U.S.C. Sec. 1681i ( a ), you are required to conduct this reinvestigation within 30 days of receiving this letter. 

Please send an updated copy of my credit report to the address provided above. As mandated by the act, there should be no fee for this updated report.
Product: Credit card

On XX/XX/XXXX, I was looking at my credit report from a credit rating agency. In that report, I noticed an open credit card from an institution that I have never previously transacted with. It appeared that the credit card was successfully opened in XXXX of XXXX. 

I called the institution to report fraud. They asked some questions regarding my identity ( e.g., name, number, address ) and then said they were going to refer this matter to their fraud department. 

Just to reiterate, I have never transacted with this institution and I have never held a credit card with this institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following information is on my credit report with TransUnion as a " hard inquiry ''. I have tried several times to get them to remove it. 

Name Requested On XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX, GA XXXX Phone ( XXXX ) XXXX Inquiry Type Individual TransUnion directs me to write the following address to have my information removed. 

po box XXXX XXXX, PA XXXX, please make sure you include your name, address the last four digits of your social security number and your file number. 

The credit card company is not aware of this address. 


Can you please direct TransUnion to remove this hard inquiry, and XXXX XXXX XXXX XXXX XXXX to tell TransUnion to remove this hard inquiry. XXXX XXXX apparently has only one person that works for the entire company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ACCOUNT # XXXX delete account for multiply inaccuracies. 

DATE OPENED - XXXX XXXX EXPERIAN XXXX HIGH CREDIT - XXXX {$2400.00} EXPERIAN {$0.00} LAST REPORTED -XXXX  XX/XX/XXXX EXPERIAN XX/XX/XXXX DATE OF LAST ACTIVE -XXXX XXXXXX/XX/XXXX EXPERIAN XXXX
Product: Debt or credit management

My mother, wife and I were contacted by United Collections Bureau about a collections account I apparently have. The first message said they needed us to verify an address, and that this was my final notice. An XXXX later another phone call came through for all three of us saying that my address had been verified and that paperwork was being sent over and that this was my last warning. The phone call came from a XXXX XXXX and a XXXX XXXX. This is the first time we have heard from either XXXX of these ladies and wondering why they are threatening us with final warnings. They never announce who they work for or if it is about a debit. I have audio proof from both calls about this situation. This happened today XX/XX/2024
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I noticed a collections account for XXXX for {$3800.00}, I immediately disputed this since I had the final bill from XXXX. Which was {$1200.00}. I immediately uploaded my document that clearly stated this was my final bill. This credit agency closed my account as verified on XX/XX/2022. Even though I had submitted proof that this account was inaccurate.
Product: Mortgage

I put my house up for sale. I received an offer and I excepted that offer. The buyer had numerous issues with their lender ( required paperwork and inspections that they were not aware of ) This caused numerous delays and postponement of the final closing. I notified my lender ( NATIONSTAR ) of these delays, I assured them that the property was in contract and would be sold. The Nationstar Reps. repeatedly assured me that there was no problem and that everything was OK. It was always very difficult to talk to a live person at Nationstar and when I was able to talk to someone it was always a person with a very heavy accent that did not seem to understand English very well. So to protect myself I wrote a letter to to Nationstar explaining the situation on two different occasions. 
We were finally ready to close on the property and requested the Payoff from Nationstar. 
Nationstar sent us a statement with the payoff amount. We closed and the house was officially SOLD. 
Six days later Nationstar sent another payoff statement. This statement is {$2400.00} more. 
Nationstar said the additional charge is for " Legal Fees '' because they had started the foreclosure process!
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2 gives me the right to dispute and have fraudulent information removed from my credit report. Additionally, 15 U.S.C. 1681b ( f ) requires that credit inquiries have a valid purpose.

Im submitting this dispute through the CFPB to ensure these unauthorized inquiries are investigated and removed. Id appreciate your prompt attention and confirmation once the issue is resolved.
Product: Credit reporting or other personal consumer reports

Hello, I have noticed these inquiries on my credit report. These are not authorized please removed it as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of identity theft and fraud. I have notified the creditors/agencies several times that the accounts & inquiries are fraudulent & do not belong to me. I have not in any way received goods or services from these companies. I have provided the proper authorities my FTC ID THEFT AFFIDAVIT with a sworn statement regarding the fraudulent accounts and inquiries. The documents have been submitted to all credit bureaus as well. Again, I was not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

Therefore these items must be deleted immediately. 
The FTC report ID number is XXXX.
Product: Credit reporting or other personal consumer reports

Followed Macy 's instructions to be removed as an authorized user and stop derogatory credit reporting. 

Macy 's refuses to remove me as an authorized user.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX, Acct. # XXXX allowed someone to use my identity to open up an account. 
It has damaged my credit, and ruining my life. 

They refused to delete account from all 3 major credit bureaus.
Product: Checking or savings account

I purchased an item online at circut.com for XXXX dollars XX/XX/XXXX. I never received the package to this day. I filed a dispute with the bank us ReliaCard on XX/XX/XXXX. They told me it could take up to 120 days. I called to check on it periodically. Then on XX/XX/XXXX of XXXX they stated no error had occurred. I called them right away and they told me the Merchant stated they delivered the package, which they never even asked me they just sided in their favor. Author called the post office in my town and was explaining the situation and gave the tracking number of the package. The post office looked it up immediately and mailed me a letter stating that it did not come to my address and listed the address it went to. I faxed over paperwork to us bank ReliaCard fax number. I called to keep checking on results from submitting papers, the XXXX time the representative stated I would receive the money on XX/XX/XXXX when the 120s days ended. After that the next representative had told me my claim was closed and that I would need to call and keep reopening my claim. Last day I talk to XXXX very knowledgeable he apologized over and over and over again because he said since Ive been calling and everything and since I faxed in the paper from the post office that no ones even filled out the paperwork and the claim shouldve only took 120 days even after I sent in the paperwork, so and he gave me a ticket number and thats what I called them today for was to check on that because XXXX told me to call in 3 days and the lady would not even look up my ticket number she said they closed the case again and that it was in the Merchant favor. I without trying to lose everything that I have, I was like how theres no way, The receipt for where I paid the XXXX dollars .I have a letter from the post office stating that the package did not come to my house and lists the address it went to. Then she tells me that she would have the right another ticket number which I got today from her and send me the information in the mail she would not even talk to me about it and why they choose the Merchant. I did ask to speak with a manager or supervisor and she stated she was the only higher up there at that time. That being is why now filing a complaint. I will send all the documents I have to go with claim.
Product: Credit reporting or other personal consumer reports

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX Date of Birth : Date of Birth : XX/XX/year>1988 Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Texas XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

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

This is XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation 15 U.S.C 1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Delete this account immediately, unless you want to be held {$1000.00} per violation 15 U.S.C 1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 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 1 681 section 602 A. States I have the right to privacy. 



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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I had my bank account hacked around the time the XXXX data breach happened my info got out someone got a hold of it and made fraudulent charges to my account which resulted in a negative balance of XXXX this happened in XXXX of 2018 q I called the bank to let them know what happened and they didn't believe me or did they act like they cared they said they would get back to me and they never did and now this company is accessing my credit report and telling my credit report that I owe {$2000.00} and it keeps going up which my credit score went from being XXXX to now XXXX I've done so much stuff to bring my credit score up and I am so upset that this company keeps lying about how much I owe and bringing my score down
Product: Money transfers

On XXXX XXXX, 2014 Paypal " limited '' XXXX of my accounts with them, which is a friendly way of saying they locked the money in them and wo n't give me access to it. Although they refused to explain why they did this, they did tell me that my money would be available 180 days after they " limited '' my accounts. Now that 180 days has passed they 're still not letting me withdraw my money. I have {$1000.00} locked away in XXXX account and {$990.00} locked away in the other account. Can you send them a friendly reminder to follow their own terms and conditions and release my funds to me?
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I have recently been informed that there is negative information reported in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings I challenge the accuracy, compliance and reportability of these listings. 
XXXX XXXX XXXX ( Paid in Full ) {$1500.00} XXXX XXXX XXXX ( Paid in Full ) {$670.00} There are no contracts, no valid claim ... accounts were settled with original creditors, never late or went into collections Grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may followthis is unlawfuldebts can not be collected twice Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These items do not belong to me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  ACCOUNTS XXXX XXXX XXXX XXXX XXXX, TN XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX i put a fraud alert on my credit report till XXXX XXXX. As part of The Fair Credit Reporting Act ( FCRA ) allows you to place a " security freeze '' ( also known as a credit freeze ) on your credit report, restricting access to it, which helps prevent identity theft and unauthorized credit applications. With that being said XXXX allowed the company 's below to access my report WITHOUT MY PERMISSION XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX ( this on is on there twice ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX 

I'm attaching a screenshot of my email
Product: Credit card or prepaid card

JCPenney placing charges on my account without id or verification of who they are and charging illegally to the account I am the only owner of the store credit card.
Product: Debt collection

Complete Payment Recovery Services , Inc. sent me a letter regarding an alleged debt. I do not know who they are, nor do I owe any alleged debt that they are referencing. Their letter is misleading and deceptive in violation of the fair debt collection practices act. I do not want any further communication from them in any form.
Product: Money transfer, virtual currency, or money service

So it was times where I was charged twice for something and never got my money back. And I never could talk to anyone to solve the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : 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

Some accounts listed on my credit report do not belong to me or that I did not open. This is my police report : XXXX, and the accounts are listed below : - XXXX Account # XXXX - XXXX XXXX XXXX Account # XXXX
Product: Mortgage

BB+T forced placed flood insurance on my mortgage which added over 60 % to the cost of my mortgage. I have since provided BB+T with proof that i did indeed have flood insurance and they have claimed at first they had received it, then afterwards claimed they did not have said proof. I have read online all about the banks receiving kickbacks from the insurance companys for retroactively buying insanely expensive insurance with zero risk to the insurance company or bank. Which brings me to the math, BB+T wants me to pay them over {$1600.00} a month for my mortgage which was just {$1000.00} a few months ago. The craziest part is that the flood insurance only cost me {$300.00} dollars to buy myself for the entire year. Thats {$25.00} dollars a month for me to purchase it myself, the bank wants over {$600.00} a month for the forced placed flood insurance. BB+T wants over {$7200.00} a year versus my {$300.00} a year flood policy. My house is not worth {$1600.00} a month, nor is my flood insurance worth over 7 grand a year. I honestly dont know what i will do, it would be cheaper at this point to take BB+T to court or at the very least sell the house. I cant afford to keep paying the bank this much money. I 'd just end up having to let the house fall into foreclosure if nothing happens which will most likely kill my XXXX in the military. Please, i really need someone 's help to get BB+T to take this insanely expensive forced placed flood insurance off my mortgage. I cant believe we live in a world where a bank can mark up something like flood insurance 24 times and expect the customer to just deal with it. I can honestly say the if i 'm ever able to purchase a house again any bank that has such shady business practices will not hold my mortgage.
Product: Checking or savings account

I deposited {$1000.00} they only gave me access to {$300.00} for over a week. Not giving me access to my money. I you want a bank that will be there for you and let you have access to your money XXXX XXXX XXXX  would be one to avoid.
Product: Credit reporting or other personal consumer reports

I have had access to the Experian.com website, and the Experian app for years with no issue. I recently changed my mobile number and retired my old mobile #. I updated this information on the Experian app, but when it prompted me to log back in, it went to a verification step that insisted on calling or texting my old mobile number for which I no longer have access to. 

There is no hyperlink that offers tech support for this issue on their site or app. I have called no less than 4 different numbers that result in an AI loop with no options that address this issue, and no way of getting a human being on the line. The several different numbers I have called had no option for getting a live person. I emailed 2 different support emails that replied with generic, unrelated responses. I reached out on the app developer comment section and the response I received suggested I ask Experian for help on " Social Media ''. 

I am seemingly locked out of the site and app permanently with no support. This hampers my ability to dispute inaccurate information on my credit report, and consequently my ability to be extended credit and maintain an accurate credit profile. The Experian XXXX  on credit reporting together with the lack of consumer support has me at a dead end with nowhere else to go for help. Please help me.