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

This is my Follow-up 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 XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$6000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Personal information is incorrect on my credit repost, I do not live at the following address : XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX, XXXX GA XXXX XXXX XXXX XXXX, XXXX GA XXXX XXXX XXXX XXXX, XXXX GA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS/INQURIES LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I HAVE MADE A CRIMINAL COMPLANIT TO FEDERAL AGENCIES I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX CRAs. On XX/XX/2020, I mailed Equifax, XXXX and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that there was a new hard inquiry from factual data on my credit reports. This was done on behalf of  pacific union financial. Pacific  union financial purchased my mortgage from  XXXX   XXXX . Pacific union financial never advised me that they would be re pulling my credit
Product: Credit reporting or other personal consumer reports

There was a major breach in my personal information. I did not authorize any parties or third-party of any of these consents. I understand that was a breach in all information, as well as mine. I would like to have all of these debts terminated. Without my authorization my information should not have been given as well as the breach with all my information stolen.
Product: Credit card

I noticed a Goldman Sachs credit card in my report today. I dont kno where it from or anything I DID NOT open this card! It said it had been opened XX/XX/XXXX. The last card I opened was a XXXX XXXX card on XX/XX/year> can you please remove this from my report? Thank you so much!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX did not hire a collection repair company. My claim has not been validated i have been try to get this looked in too since XX/XX/XXXX and the credit agency are blowing it off and not looking at none of the facts thats this is not my account. I received a bunch of garbage from the axle hed company with a made up contact that is not my signature. I and sending the made up contact and a copy of my Id please compare the too and look at the us postage which i sighed and my looks nothing like the made up copy righted signature. The credit agency is not even validated the account they are refusing to do there job. And putting wrong information that does not belong to me on my credit report. Also they removed XXXX XXXX XXXX off my file back in XX/XX/XXXX and thats who sent the contact for XXXX XXXX XXXX a fraudulent account. i filled out with my And also direct to the company I am trying to get this resolved I have sent certified letters to the credit bureaus. For XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX tracking number sent directly to XXXX XXXX   XXXX XXXX I sent certified letter with requested signature to the collection agency with signature returns that it was received and they still have failed to send me information that the account belongs to me. The credit bureau are refusing to take this off my credit. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.. the collection company will not respond to me so the credit bureau are failing to report accurately information please remove off my report. Please actually ready all Correspondence and remove this fraudulent account
Product: Credit reporting or other personal consumer reports

please remove The fraudulent accounts from my credit report. in accordance with the Fair Credit Reporting Act, the list of accounts has violated my consumer rights to privacy and confidentiality under 15 U.S 1681e ( b ). I have told XXXX Transunion and XXXX to remove the fraudulent accounts. in the list below [ XXXX  XXXX ; Acc # XXXX ] [ XXXX XXXX  Acc # XXXX ] [ XXXX XXXX  Acc # XXXX ] [ XXXX XXXX XXXX Acc # XXXX ] [ XXXX Acc # XXXX ] [ XXXX XXXX Acc # XXXX ] XXXX XXXX XXXX XXXX Acc # XXXX ] [ XXXX  XXXX Acc # XXXX ] [ XXXX Acc # XXXX ] [ XXXX XXXX Acc # XXXX ] [ XXXX Acc XXXX ] [ XXXX Acc # XXXX ]. 

however, they said everything was completed. but everything is incorrect. According to 15 U.S 1681i ( 5 ) and 15 U.S.C.1681i ( 7 )
Product: Mortgage

I applied for a mortgage with MIG on XX/XX/2022. All throughout the process, I was taxed with additional requirements not required by the other lender I was working with for the same loan type ; FHA. I am a licensed real estate professional who once was a licensed loan originator ; therefore, I am very familiar with the process and their requirements. I submitted all documents to include an appraisal with a promise to close within 10 days. 
They questioned my income. As a W-2 employee who is the majority shareholder of my company, I supplied them both tax returns. The income from the business was deducted from my monthly salary lowering my income. I questioned that and received no real answer. I was told to pay off a revolving credit that was only a XXXX XXXX monthly payment with the same balance as the $ XXXX {$280.00} payment. And when I chose the larger debt monthly payment, there were more requirements to prove I paid off the loan beyond providing the payoff, the receipt from the my HELOC evidencing where the funds came from. I continued to ask about my DTI and no one would provide the numbers to let me know what it was. I was never told when I would close nor the amount of money needed to close. I have numerous emails. Each time I called the LO she would either not answer, send me to her processor, or an assistant. I reached out to the owner of the company via email about my concerns of discrimination, and she never responded. I called HUD for assistance with the rules and presented to MIG. They simply disregard, and sent a copy of an older ruling. I was threatened by the processor with not closing my loan at all on the day it was rescheduled to close XX/XX/XXXX, if I did send my check stubs for 30 days I would not close. The file was sent to THDA on the scheduled day of closing after been told by THDA  that the file could be submitted while in U/W with lender since they are only looking to ensure the file is in compliance with their rules as long as there was a preapproval. I was never told after multiple request when will I close, no one ever told me. The title company, XXXX XXXX who closes on a regular basis with MIG was told they needed to be approved and it would take several days to do so, which ultimately would have caused me to lose the house through an expired contract. When I questioned the sender of the email she just replied she wasn't the right person to reply. Again, another tactic to delay the loan. They even called the loan a difficult one since I owned a home in the same zip code, and was purchasing another one as my primary when I provided a lease agreement for the other home. They refused to use the lease income to offset the property and insurance cost for which FHA has rules for. And I didn't close until the end of the day XX/XX/2022 with the documents being dated for XX/XX/2022. With the title company even questioning what was going on with the file since they know me from transacting other closings
Product: Credit reporting or other personal consumer reports

I have had many, many problems with XXXX since they transitioned to a new platform in XX/XX/year>. Their ongoing failure to report the payments I have made for XXXX XXXX  is only one of the many problems I have experienced. Since their transition to a new platform in XXXX, XXXX has not reported to Experian the payments that I have made on my loans, 2 of which have been paid in full and have been closed, yet still show balances on my credit report months later. I have filed multiple disputes with Experian, first in XXXX then in XX/XX/year>, but nothing has been corrected despite proving to Experian that these loans were paid off by sending them my payoff letters, because they say they can not update my credit report, only XXXX can do that, and they haven't. I have reached out directly to XXXX many times and was told they would expedite my request, but that I was not allowed to speak to the people who actually do the credit reporting, so all they could do was put in a request and ask for it to be expedited. As I am typing this I am currently on hold with them and have been for over 2 hours now.
Product: Credit reporting

Please be advised that I see no other recourse but to file a complaint against XXXX XXXX XXXX XXXX XXXX. This creditor is famous for using a process called re-aging of debt. The card posted was first issued in XXXX. I was late with payments at least three times between the card inception and the beginning date on credit reporting on all three credit bureaus, which is XXXX XXXX. This debt can no longer be collected within legal guidelines for the state of New York. The account was late for a first time over seven years ago, and therefore the seven-year timeline has passed. Out of the XXXX credit bureaus posted in this complaint, XXXX states a XXXX XXXX deletion of the account, Trans Union states an XXXX XXXX deletion date and XXXX states a XXXX XXXX deletion date. In essence, XXXX XXXX Bank XXXX XXXX purposely cut off two years of my payment history to extend the timeline of maintaining the account on all credit bureaus. This practice of re-aging of credit trade lines has been approached by the Federal Trade Commission as an abusive collection practice, and also a violation of my rights under the Fair Credit Reporting Act and The Fair Debt Collection Practices Act. I demand a full accounting of this account to be reviewed by the Consumer Financial Protection Bureau, showing all payment history, when all payments were posted to the account on credit, and the credit reporting history since the card approval in XXXX. I am well within my right on such a request. XXXX XXXX XXXX XXXX XXXX has no other recourse but to remove this account from all credit bureaus immediately and permanently.
Product: Credit reporting or other personal consumer reports

My XXXX  XXXX XXXX was involved in an accident not caused by me. XXXX XXXX considered it a total loss and paid XXXX XXXX. XXXX XXXX then closed the account out and marked it as a repossession on the card and charged the account off, knowing that XXXX XXXX XXXX XXXX ( Gap Insurance ) was paying the remaining balance. XXXX XXXX had talked to XXXX XXXX and confirmed that they had mailed the check to the wrong address. The representative from XXXX XXXX assured us and XXXX XXXX that this was not an issue and would be noted. This inaccurate reporting is stoping me from getting a new vehicle. Weve called and get the run around. The customer service representatives are rude and automatically send you to the repossession department when it was not repossessed but considered a total loss.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX RE : Reported Bankruptcy Date Filed : XX/XX/year> Reference # : XXXX Closing Date : XX/XX/year> To Whom t May Concern, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding a public record from your court appearing on my consumer credit report. I have disputed the item with the credit bureaus XXXX, XXXX, and TransUnion- all of which confirmed that the public record was verified by you.

Please provide the procedure in which you report information specifically as it pertains to XXXX, XXXX, and TransUnion, as well as the method by which you verify information to XXXX, XXXX, and TransUnion if they request it. I am not asking for information regarding XXXX XXXXXXXX, simply pertaining to credit bureaus themselves. 

Thank you for your time and help in the matter. 
Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

On the date of XX/XX/2019 at XXXX XXXX at PLS Check Check Cashers located at XXXX XXXX XXXX. XXXX TX XXXX XXXX purchased a {$110.00} money order receipt # XXXX, a postage stamp, and an envelope for the price of {$110.00}. I paid CSR XXXX the cashier with two {$100.00} bills. I was given {$02.00} change which was handed to her from a cashier to her right and when I asked where my other {$80.00} change she stated that I had only given her {$120.00} and I protested that claim and was told that they would count the cashier drawer to her left and it was an even balance and the the cash drawer in front of me and the cashier at the window where I was waited on was never counted. They then phoned the District Manager to view the camera of the transaction and there was no answer. The District Manager supposedly returned the call and viewed the camera and stated that I paid {$120.00}. I am a XXXX year old XXXX XXXX and live on a fixed monthly income of SSDI check. I however am aware of how much money use to pay for any service as I have full control of my faculties. I believe I was taken advantage of and deserve fair treatment. I have no problem with my information being used.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX. And Account # XXXX XXXX has violated my rights 15 U.S. C 1681 section 602 A States I have the right to privacy it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

This is a fraudulent debt that was not originate by me. I feel taken advantage of as this fraudulent account is damaging my credit reputaton.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I Got A Alert That - Thanks For Taking The Time To Apply For A Capital One Credit Card And I Got Surprised I Didnt Apply Any Credit Card So How Come I Am Getting eMail. I Called Capital One Application Fraud Team And Spoke To Supervisor Ms. XXXX XXXX ID XXXX Location - Florida On XX/XX/XXXX..At XXXX And She Promise Me She Is Sending eMail To All 3 Credit Agencies To Delete It From My Record But Till Date XX/XX/XXXX. It Didnt Get Deleted or Removed From My XXXX And XXXX 

I Waited For 30 Days And Called And Speak To So Many Manager / Supervisor At Capital One Application Fraud Team They Said We Already Informed Electronically To The Credit Agencies And Sent By Mail As Your Application ID : XXXX And The Letter Sent On XX/XX/XXXX To All Credit Agencies.. They Will Do It Whenever They Want.. 

So I Am Requesting You Please Help Me To Fix This Issue Because Of CAPITAL ONE Fraud Inquiry Is Effecting My Crediancials With Other Credit Lenders And My Life And My Family Life..
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  According XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within 4 business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted from my Equifax credit report. Please delete the following accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Have applied for remediation. documented information required by underwriters. No response for over 60 days. Threats to foreclose on property
Product: Credit reporting, credit repair services, or other personal consumer reports

CHARGE OFF IS INCOME THAT HAVE TO BE REPORTED TO THE IRS. 
XXXX XXXX XXXX XXXX has been marked as a CHARGE OFF On my CONSUMER REPORT.

I want a 1099c sent to me. Any amount Over {$600.00} is TAX FRAUD.
Product: Credit reporting or other personal consumer reports

I hope this message reaches you in excellent physical condition.

I am writing to bring specific inconsistencies in my credit report to your attention, specifically pertaining to billing errors as outlined in 15 U.S. Code 1666 ( b ) under the billing error category : ( 4 ) The creditors failure to accurately reflect a payment made by the obligor or a credit issued to the obligor on a statement.

( 5 ) A computation error or similar accounting error made by the creditor on a statement.

It is my knowledge that the creditor failed to furnish me with a statement XXXX days prior, which ought to render any ramifications of late payments regarding the linked accounts. I am in pursuit of concrete evidence from the creditors bank records that will support the assertion that I failed to make a payment, resulting in an erroneous designation as late-a sign of an invoicing error-therefore.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS XXXX DOB XXXX To whom it may concern, I was looking at my credit report and I just realized that there are a ton of errors. I have notice that addresses have been showing up that I never lived at. Please delete the following addresses : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX OLD XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, IN
Product: Credit reporting or other personal consumer reports

The presence of these unauthorized accounts and inquiries has caused considerable concern about my financial stability. It is crucial that my credit report accurately represents my financial history, as it plays a vital role in informing potential lenders about my financial management. Therefore, I am requesting an urgent investigation and swift correction of the following inaccuracies and unauthorized accounts. 

XXXX XXXX - XXXX - {$0.00XXXX XXXX XXXX XXXX XXXX {$2000.00} XXXX - XXXX - {$540.00} XXXX - XXXX - {$1500.00} XXXX XXXX XXXX - XXXX - {$0.00} FB & XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX - {$940.00} XXXX  - XXXX - {$1300.00} XXXX XXXX XXXX - {$1300.00} XXXX - XXXX - {$0.00}
Product: Credit reporting or other personal consumer reports

I obtained my quarterly credit report and observed a student loan being reported that was not mine. I field a dispute with the credit bureau and called the phone # listed on the credit report. I was told the name ( my name XXXX ago ) Acct #, address ( my address XXXX ago ) and told that I have to call XXXX XXXX  to get it removed. I called XXXX XXXX, they told me I have to file with federal trade commission, which I did and Consumer Financial which I am now. I also filed a report with our local sheriffs office. everyone is interested in gathering information NO ONE is assisting in getting resolution.

This is our Gov at work. Gov loans should require valid photo ID and documentation before approving a loan.
Product: Credit reporting or other personal consumer reports

Recently, i did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681 e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

16 U.S. Code 1681i ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information dispute by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shallj ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation : and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : Accounts XXXX. XXXX XXXX XXXX XXXX XXXXXXXX this accounts is being reported inaccurately.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX. XXXX XXXX. 
Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

This complaint is in regard to EQUIFAX. They verified an inaccurate account from a company on my credit report called XXXX XXXX XXXX. They reinvestigated the account initially and verified the account when it was incomplete, so I requested that the account be removed. In response to that complaint, they reinvestigated the account once more verifying the same exact inaccurate information. There are payments missing for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. These dates report " NO DATA ''. This account remains incomplete. 15 USC 1681i ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

This is a violation of 15 USC 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.