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

I found today in my mailbox a letter from XXXX XXXX  XXXX XXXX XXXX XXXX, PA XXXX The letter says : We have received your request for a credit product with XXXX  issued by XXXX XXXX. Unfortunately, we are unable to approve your request at this time. 

your request was denied for the following reasons : No credit bureau file ... ... ...... 

Also below two agencies were listed : Equifax credit information services XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, PA XXXX XXXX Letter date was on XX/XX/XXXX of 2024 signed by XXXX XXXX. 

My issue is : I never intended to open any credit card. I use my debit card regularly and I am perfectly fine. I only afford what I can buy. If I can't buy it now, I save. If I can not afford, I ask help from the government. If I can not afford, I work for it and I buy it. I never apply for loans. I don't know if I will get rich in the future. Maybe so rich I can decide one day to lend money and repay after. But for now, please you may freeze anyone that intend to make credit under my name. I have no intention to do that in the near future. 

I was so scared I called the second agency. I am not even sure if the phone number is legit. There was a message asking me to put my social security number, which I did. And they requested my date of birth to verify my identity and I said to myself : No! That looks like a trap and I immediately hung up. 

I am very scared right now. I barely have few times to take care of myself outside of work and now I have to file a report at XXXX XXXX  after long hours of evening classes and go file a report to the police on saturdays. 

Please help me resolve this situation as soon as possible. And if there is a way to identify who is behind this, please put an end on this immediately. 

I am sincerely grateful of the vision of your company. I am waiting impatiently for your updates in getting this matter resolved. 

Best,
Product: Mortgage

Starting in May US Bank ( my mortgage ) sent a check for my homeowners insurance payment. that check was received and applied to my insurance and then my insurance was cancelled due to nonpayment. When I called US Bank they said they sent it to the wrong address and stopped payment on the check and reissued a new check # XXXX on XX/XX/XXXX going to the right address supposedly. I received email confirmation the payment was received and applied to my insurance. on XX/XX/XXXX I received my first cancellation notice for non payment and they again stopped payment on the XXXX check when I asked about it they said it was an error on their part and they would send another check overnighted. Again the check was applied to the account and my insurance was reinstated however a week later the check was again stopped payment on and another check would be sent out overnighted. My insurance has been cancelled now XXXX times because of this and is currently in a cancellation process waiting on yet another check to be sent. My issue is will they stop payment on this one as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN : XXXX | XXXX : XX/XX/1970 Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or deleted immediately : Account Name : XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXXXXXX XXXX Account Number : XXXX Reason : I don't recognize this account Thanks, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and there are accounts on it that I do not recognize.I have tried to contact the credit bureau to remove the accounts however they have denied my request to have these accounts investigated and removed.
Product: Credit card or prepaid card

Synchrony bank closed my account without proper justification and illegally. Synchrony did not advise me they were closing my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my report XX/XX/2022 ; and I noticed quite a few inquiries that I did not give written instruction/consent to. These inquiries are an invasion of my privacy 1. ) they have harmed my reputation ; I keep getting denied for having inquiries 2. ) I am emotionally harmed and will not extend credit or apply to anymore financial intuitions, 3. ) I have not been able to physically get a job Provide me with permissible purpose including my written instructions, the recipient source and the purpose ( credit, insurance or employment ) list inquiry or inquiries
Product: Credit reporting

XXXX refuses to allow me to dispute the information that is old and should be be removed
Product: Checking or savings account

I created a new First Horizons account in branch, and signed up for their new checking account bonus which states " Offering a {$450.00} bonus when you open a new checking account and complete the following requirements : Make qualifying direct deposits totaling {$1000.00} within the first XXXX  days '' I made a {$50.00} deposit in branch to open my account, and then a {$1200.00} direct deposit XXXX  days later. I still have not received my {$450.00} bonus as was stated in their documentation.
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Unverified Accounts Dear XXXX XXXX Department, I am writing to formally request the removal of these accounts from my credit report as reported by XXXX, Experian and XXXX. This request is based on the recent deletion of accounts by XXXX, XXXX of the XXXX major reporting agencies. I recently disputed these accounts listed on my XXXX report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. Following a thorough investigation, XXXX has completely removed these unverifiable accounts from my report as of XX/XX/2024. 
According to the Fair Credit Reporting ( FCRA ) ( 15 USC 1681 ) all consumer reporting agencies must ensure that information in consumer reports is accurate, fair and verifiable. Since XXXX has removed these accounts after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 
Supporting Consumer Laws : FCRA Section 611 ( 15 USC 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumers credit file. I am exercising my right to ensure that my credit report remains fair, accurate and free of unverifiable information. Since XXXX has deemed these accounts unverifiable and have removed them, you must take similar action Additionally, under FCRA Section 623 ( 15 USC 1681s-2 ) Information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. 
Please provide confirmation of this removal within XXXX  days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the XXXX XXXX XXXX ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 USC 1681n ) which allows consumers to seek legal recourse for willful non- compliance, and Section 617 ( 15 USC 1681o ) for negligent non-compliance. 
I appreciate your prompt attention to this matter, as it directly impacts my credit reports integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request. 
Sincerely XXXX XXXX
Product: Credit reporting or other personal consumer reports

I noticed that there were some inquiries on my credit profile that don't belong to me.
Product: Credit reporting or other personal consumer reports

Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 

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

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file and are listed on my credit report : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Addresses that I never lived at the credit reporting agencies will not and have not removed. Incorrect spelling of my name has not been removed.
Product: Credit reporting or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXXXXXX XXXX # XXXX, has violated my rights. 


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
Product: Credit reporting or other personal consumer reports

This notice is to inform you that you have broken the law. You unlawfully reported unauthorized accounts on my consumer report that have violated my federally protected rights to privacy and confidentiality under FCRA law 15 USC 1681. I have not given written permission to put anything on my credit profile. You have violated me pursuant to 15 USC 1681B, the permissible purpose of consumer reports. You have no permissible purpose by law to contact third parties with my private and personal information. Your offenses amount to aggravated identity theft pursuant Title 18 USC felony punishable 1028A. You have knowingly transferred a felony punishable with up to 2 years of imprisonment in addition to civil liability up to {$1000.00} per violation. You are also in violation of 15 USC 1692G and my instructions are for you to delete these accounts immediately. XXXX XXXX XXXXXXXX acct # XXXX and XXXX acct # XXXX. XXXX XXXX XXXX XX/XX/2023. Remove these accounts and inquiry.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and notice there were some items that do not belong to me. Here are the following accounts : XXXX XXXX XXXXXXXX {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$690.00}. This is actually my second time disputing XXXX XXXX XXXXXXXX {$1300.00} this was already taken off my credit report and it has been illegally reinserted back onto my credit report, which is a volitation, please remove. The specific information under dispute is derogatory nature. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ).
Product: Mortgage

On Saturday, XX/XX/XXXX, Nation Star - Mr. Cooper debited my monthly mortgage payment three times totaling {$7700.00} from my XXXX XXXX  checking account causing my account to be overdrawn. I immediately logged onto the Mr. Cooper website and reviewed my payments and the only payment I saw for XXXX was the regular payment I made on XX/XX/XXXX. I did not see any of the three additional payments. 
I called XXXX XXXX  and after an hour of waiting to speak with a representative, I was told that they were receiving many calls with the same complaint. XXXX issued a stop payment but they said because it was the weekend the money would not be credited back until Monday or Tuesday ( XXXX XX/XX/XXXX ). Therefore, that left me with no access to my money in my checking account. 
Mr. Cooper never posted a statement or contacted customers directly to inform them of what had happened. I only found out because I set up to receive alerts from XXXX XXXX  when large amounts are debited from my account. I tried calling Mr. Cooper on Saturday, XX/XX/XXXX but couldn't reach a live person and there was no recording informing customers of the issue. 
It wasn't until XXXX XXXX. on Saturday, XX/XX/XXXX, Mr. Cooper sent out an email informing customers of a " payment processing issue ''. Stating a processing issue at one of their electronic payments vendor resulted in a number of customers having their bank account debited incorrectly. 
The money was credited back to my account but it caused a lot of stress especially during this pandemic when many are having income issues and trying to make ends meet. 
Mr. Cooper should have communicated much earlier with their customers and also XXXX XXXX  should have flagged the transactions suspicious and blocked them until they were able to contact me to verify if I authorized the payments.
Product: Debt collection

On XX/XX/2018. I received a notice that a collection account from Security Credit Services was on my credit report from all 3 credit bureaus, XXXX, XXXX, and XXXX. I have disputed it with the 3 credit bureaus. My account is on alert for fraud, and this may be another one of them. 

I didn't receive a 30 day notice, and I was not aware of this debt. When asked to validate this information, and how they got my account, and if I authorized them to this account, contract, date it was open, closed, amount due, etc They were not able too. I sent a letter to them to have them validate this collection account.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. Spoke to loan officer 2. Reported to NCUA 3. Credit Union was receiving my mortgage payment withdrawn as a payroll deduction every XXXX of the month 4. Mortgage payments are due on the XXXX of each month. 
5. Credit Union was not applying mortgage payment received on the XXXX but rather they were holding on to those funds and crediting my mortgage at the end of the month or the following month. 
6.this practice by the credit union severely impacted my credit in a negative manner.

7. Have requested from Loan Officer to refinance my loan due to the high fixed interest of 10.5 %.

8. Officer has refused to assist.
Product: Debt collection

Pen Credit is attempting to collect a debt that does not belong to me and i have disputed this debt with this company for over 6 months. They have not investigated my dispute properly and my credit report is being damaged. Once I discovered the account on my credit report i reached out with a dispute letter to the collection agency.
Product: Credit reporting or other personal consumer reports

This is my SECOND NOTICE that I'm DISPUTING inaccurate personal information found on my credit report. The following information is NOT ME and I have NO RELATIONSHIP to it. Please remove the following information from my credit report immediately. 

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

XXXX XXXX XXXX  transferred my mortgage to XXXX XXXX despite it not being opened as a servicing released mortgage. 

They then reported my mortgage as closed to the credit reporting agents, which reduced my score significantly and impacted my financial situation Furthermore, XXXX XXXX is requiring payment on XX/XX/XXXX and still, as of XX/XX/XXXX, has sent no information on how to make those payments or set up autopay.
Product: Credit reporting or other personal consumer reports

Equifax is in violation of FCRA. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( XXXX ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section XXXX ( a ) ( XXXX ). XXXX and XXXX have updated credit reports accordingly and removed these fraudulent inquiries. If Equifax is unwilling to do the same, legal proceedings will be brought against the credit reporting agency for negligence. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/22 at XXXX, XXXX from IDS contacted my mother in reference to a credit card debt. I returned the call and asked that his company not contact her or other family members and to contact me directly. ( She has battled XXXX ) XXXX and another representative state that they would remove the contacts. He offered a debt settlement and I asked for time to see if that would be something I could afford. XXXX gives a deadline of XXXX XXXX each day as the time when " he has to sign off on this. '' He calls at XXXX ( XXXX hours early than said deadline ) the following day demanding that I call to discuss the settlement, XX/XX/22. My husband was contacted even after they were asked to contact me only. IDS was extremely rude to my husband and asked " don't you think you should help your wife? '' XXXX calls again on XX/XX/22 at XXXX am and threatens to continue calling other people to reach me. I did not receive his message until XXXX that day being in an area of bad cellular service. I returned the call and asked that they not contact me again. I confronted XXXX about the conversation with my husband and he denied they ever spoke with him. I have already reached out to the original creditor and will work with them. This bullying, aggressive and harassment by IDS has to be stopped. Some of us feel bad enough that we can not pay our debt, then we are left to deal with nasty, aggressive phone calls from a company that is completely dishonest. Thank you for your time.
Product: Checking or savings account

1. We are a licensed Money Transmitter in the state of FL. 

2. We deposited checks at our BB & T account in XX/XX/ in the amount of XXXX XXXX. Each of these checks has : a. fingerprint of the original owner of the check ( person we negotiate the check from ) b. FL unexpired driver license number of the original owner. 

4. The bank sent us certified letter dated XX/XX/ ; postmarked XX/XX/, that we received on XX/XX/. 

5. The letter states that our account will be closed in 10 days. 

6. As we tried to removed the funds from the account, we realized that the bank placed a hold on the account, scheduled to be released on XX/XX/. 

7. When we contacted the bank on or about XX/XX/, the account was already closed and the bank has since refuse to give us our work-like-a-slave-made money. 

8. At the time of closure, the balance in the account was {$13000.00}. 

8. Since everyone knows that this nation has a history of stealing what is NOT theirs : as they have done to the indigenous people after SLAUGHTERING them and to the poor XXXX people from XXXX and subsequently sent their descendants to jail, they are trying to steal our work-like-a-slave-made money. 

9. The only way they will be successful in doing so, would be to kill us, just like they have killed the XXXX to steal their land and technologies. 

10. Since the bank has attempted to steal our work-like-a-slave-made money, we have NO intention to go any where near any of this bank branches. 

11. We just need our work-like-a-slave-made MONEY, period. Otherwise, come and kill us so that you can steal it. 

12. These people have grown up with crimes in their blood. It is NOT easy for them to stop being criminals. They are the TRUE terrorists.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you because I had reached out to XXXX and XXXX on XX/XX/XXXX and XX/XX/XXXX about a serious issue with an account reporting falsely on my credit report. I want to know why this is still reporting if it doesnt belong to me? You never sent me any correspondence about this. I have been a victim of severe data breaches dating as far back as XXXX. My previous employer had a major breach where my personal information was leaked and used, including social security number and financial information. I have to check my credit regularly to make sure nothing is happening.