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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don & XXXX XXXX  ; t understand how they usually say that these accounts are mine I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

Subject : Request for Correction of Inaccuracies in Credit Report I am reaching out to address discrepancies present in my credit report, which your company has published and has led to my recent credit denial. The information in question pertains to the following accounts : Under 15 U.S.C. 1681i ( 7 ) Method of Verification, this account is in violation, reported without valid evidence : XXXX Account Number : XXXX Kindly correct/update this inaccurate information on my credit report.

I want to stress that I did not provide written permission or instructions for these specific transactions to be included in my consumer report. I formally request the blocking and deletion of these accounts, and I emphasize that this request is not in error and is not based on any material misrepresentation of facts concerning the request for blocking these transactions.

Your company seems to be in violation of the law, as outlined in 15 U.S.C 1681a 2 ( A ) ( i ), stating that a consumer report should not include : " ( A ) subject to section 1681s-3 of this title, any -- - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report! '' The law explicitly states that Experian making the report should not be included in my consumer report. Utilization, as an experience related to the line of credit extended between the consumer and the reporting entity, should not be included in the consumer report, as clearly stated by Congress.

I insist that you update my utilization to 5 % or below within 10 calendar days or remove all utilization from the mentioned accounts. 

Additionally, I demand that you provide all documents on which you are relying for reporting accounts ( 1 ) and ( 2 ) mentioned earlier. This request aligns with your obligations under the Fair Credit Reporting Act ( 15 U.S.C. 1681g ), granting consumers access to these records. The information you are reporting is damaging my reputation and adversely affecting my creditworthiness. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or verify these accounts.

Apart from the removal of erroneous and unverified information, kindly remove all non-account holding inquiries over 30 days old. According to Black 's Law Dictionary, 6th Edition, 1990, " verification '' is defined as " confirmation of correctness, truth, or authenticity by affidavit, oath, or deposition. An affidavit of the truth of a matter stated, and the purpose of verification is to ensure the good faith of a party 's averments or statements. '' Failure to respond satisfactorily with the deletion of the above utilization & inquiries will result in legal actions being taken against your company, and I will seek {$1000.00} per violation for : Defamation of Character Civil Liability Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Thank you,
Product: Student loan

ECMC and/or PCR have been calling friends and acquaintances seeking information about me. Yesterday, they called a former girlfriend of my brother 's seeking information about me. This is an invasion of my privacy and is harassment, especially when they have my current address and know that I am retired.
Product: Credit card

Charged interest on {$0.00} ( XXXX ) balance.
Product: Credit reporting

I reached out to Transunion and was treated unjustly. 
The customer service reps were rude and I was hung up on several XXXX times after being hold for over 30 mins a call and my issue was never=== resolved. My inquiries were deleted and reinserted back to my credit report and I was never notified or given reason why. According to the XXXX that is unlawful. I am requesting the inquires be permanentlyXXXX deleted. 
XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NXXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX TRANS UNION Inquiry XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

My information was leaked in the XXXX XXXX XXXX XXXX XXXX. This fact has caused many adverse issues with XXXX, XXXX XXXX and Experian reporting incorrect erroneous and fraudulent information on my consumer report. I recently filed a complaint with the CFPB with respect to FCRA 605b to remove or suppress all the accounts disputed as fraud under 605b XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Business CredXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Given the states fact I also sent respective letters to each bureau via certified mail of which I have copies and receipts from the USPS. XXXX deleted all requested accounts with the exception of the XXXX XXXX account of which I am sending additional police report that proves that car was stoled because of Identity theft. XXXX says that they will abide by the FCRA law given that I resend a clear copy of my ID and SSN photo, yet Experian has replied with emails saying that the items are under dispute and a decision will be made within 30 days. Experian 's approach to this is against the law that protects my consumer rights. Verifiying information from the furnisher is not adequate as my phone car and sensitive information was leaked. Experian must send me proof of verification via some form of contract with the furnisher signed by me and verified under FCRA section 609 yet they have not done so but have stated via email that they will not block the accounts They are not abiding to 605b so I am writing this complaint before taking further legal action. I am sending Experian a clearer copy of my ID and SSN card in addition to my police report. 
I have attached a copy of the consumer credit report maintained by you which shows the previous mentioned fraudulent items. I do not recognize the accounts and hard inquiries as reported. These account debts were not made by me as all the previous mentioned accounts and hard inquires are results of ID theft and fraud. I have attached a copy of FTC ID theft criminal complaint number as proof from the US Trade Commission.
Product: Credit reporting or other personal consumer reports

Upon reviewing my TransUnion, XXXX and XXXX credit reports, I have identified some information that were not authorized. I'm a victim of Identity theft and this information is inaccurate. 

Please see attachments below
Product: Mortgage

On XX/XX/XXXX, I spoke with a member from HUD. She provided me with a deeper insight on what has been going on with Chase and my mortgage. I informed her of all the background including the trial payment plan that I completed back in XXXX, Chase informing me that I need to get 3 payments behind before they can help me, and the false loan modification approval they gave me a few years back. Her response shocked me. Chase told me that HUD placed a terminal denial on my file and that it is was not done by Chase. Unfortunately, this statement by Chase is a complete lie. According to HUD, Chase was not servicing the loan properly according to HUD guidelines and because of that, HUD was not going to give Chase any money for a claim on my property at XXXX XXXX XXXX XXXX XXXX GA XXXX. Therefore, because of that, Chase decided they will not help me out in any regard. This is unfair to me. I done what was required of me by Chase. When I called, I was told so many different things including reapply when my situation changes. I never heard anything different until a few weeks ago where Chase said in XXXX a terminal denial was placed on my account. But if that is the case, they why did they process my loan application in early XXXX. It is apparent that Chase has goofed again, and now they are trying to throw me under the bus again.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX  - Account Number : XXXX Unauthorized inquiries : XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I called in to obtain information on why this item is on my credit file. I gave the rep my account # and was told to call XXXX she does not have any relevant information she could give me to assist me. she just disconnected the line.
Product: Bank account or service

As a small business I went to my bank ; Wells Fargo to obtain a credit card machine and a account to perform credit transactions, the person in charge of the process to obtain this service went over the paperwork I was signing never mentioning that there was a required monthly usage of {$3000.00}. or that what I was signing was irrevocable. At the first month of my service I used the machine twice totaling {$450.00}. and then got a {$500.00}. fine from Wells Fargo, with them explaining this unspoken requirement. I at that point in my business had n't made {$3000.00}. total in one month yet so I asked why it was never mentioned, so after a exhausting process of sending their machine back and canceling all my agreements pertaining to this service I was informed that Wells Fargo was going to take {$38.00} a month out of my accounts for the next 4 years as the rent agreement on the machine was " irrevocable '' whereupon I responded that I was never made aware of this clause when the person at the back did the paperwork with me and could I talk to him. The bank told me he was fired due to fraudulent practices. I then said that I was never made aware of this issue and that it was " My tough luck '' because I signed the paperwork they had every right to take the {$1800.00}. out my accounts over the next four years. I took this issue to the State of New Mexico Attorney 's office and they said " we never told you this '' even though the fired employee probably was the reason for the issue " I signed the papers therefore I am 100 % libel for whatever they said and that I needed to " XXXX '' and pay it. ''
Product: Checking or savings account

This is the Complaint I filed again in XX/XX/2024. 
NO statements were mailed to me bc I can not access my statements on line bc of Ally 's system. You closed my Complaint BEFORE I received a statement on a closed account and I still have not received a statement on my IRA account which has over {$500000.00} in it. What is wrong with this government agency?????? Do you do anything t5o protect consumers????? Hit ally with a XXXX XXXX dollar fine and then maybe they will respond. Ally is laughing at you. 
In addition I want my IRA account transferred to XXXXXXXX XXXX. which have provided written authority to Ally on THEIR forms over year ago!!!!! Is your agency just paper shufflers????? 

Here is my last Complaint text : I have attempted to close my IRA accounts with Ally Bank for a year and half. filled out all their forms, faxed it, emailed it, even sent the forms to XXXX XXXX and XXXX who I want to transfer my IRA accounts to AND ALLY WILL NOT RESPOND TO XXXX. Since your dept is close to worthless and merely paper shufflers I am sending this complaint to you so you can snuggle it and NOT resolve the issues. In addition I requested that my IRA statements be sent to me as Ally will not allow me to view my statements on line. I requested my IRA statements be sent to me and my back statements for the last 2 years ( at not cost ) and Ally agreed to do it. I requested my statements on XXXX, XXXX and XXXX. I still have NO BANK statements of my IRA accounts. I need those statements so my attorney can file suit against Ally Bank. Based on your past no action I don't expect you will fine Ally Bank or resolve this but I ant a Complaint on record.
Product: Credit reporting or other personal consumer reports

XXXX XXXX tried taking payment from an account number not submitted. Sent us to our bank twice stating it was my banks fault, then said I miss typed the information. This is the second loan with this company. Both loans have never been late, and paid before and after this happened in XXXX of XXXX from the same account. Tried paying the payment 3 times in XX/XX/year> all returned because it was someone elses account they tried taking the funds from at another bank. They refused to fix it when On XX/XX/XXXX the payment from same account always used on both accounts went through. Their own recording said they had posting issues please bear with us. They refuse to fix the 30 day late on credit report.
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items. 
2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ). 
3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 

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

Got a XXXX Credit Alert that I had an account added to collections. Upon looking at my report, I noted that I had an account in collections with Sequium Asset Solutions. I called them immediately and spoke with their representative. They were unable to look up any account using my phone number, we tried my SSN and tracked down an account to a XXXX XXXX service address in North Carolina. I have never lived there, I have lived in California for the last 30 years. XXXX then made me call XXXX who can not track down any account in my name or by using my SSN. XXXX then directed me back to the collection agency, Sequium Asset Solutions, and they have not been able to help me any further. I am being sent back and forth between these two companies for an error I did not make and they have offered no solution.
Product: Credit card

Someone on a fan page on XXXX offered me " Meet and Greet '' passes for a show on XX/XX/year>. It was for a show that evening and would have been a real thrill for me. I was XXXX into a XXXX XXXX. I was foolish in providing {$65.00} of my funds through the XXXX and XXXX option through PayPal. This was very shrewd because PayPal will not refund any dispute per sending money that way. : -/ I provided my email address to this person but all communication was through XXXX XXXX XXXX I do not know why I didn't see a " red flag '' but I was suckered in because it really was too good to be true! 
Anyway since I was unable to get any assistance from PayPal I went to my bank and they have denied my claim because they stated that the transaction was authorized. This is not the case. I have no way of proving this was fraud, that is how good they were at ripping people off! As soon as they had the funds, they disappeared! When I tried to send a message to " XXXX XXXX '' who was the recipient on PayPal, I received a message saying I couldn't send a message to this person. The name on the transaction is " XXXX XXXX ''! This was fraud and I need my money back. What else can I do??
Product: Credit card or prepaid card

JC Penny is sever ely affecting my credit worthiness by having inaccurate late payments on my credit report. The months that are being reported late is  XXXX   2017 ,  XXXX   2017 ,  XXXX   2017 ,  XXXX   2017  and  XXXX   2017 . I contacte d JCP t o see why when I send a payment it was being refunded to me. I was told I had  XXXX  accounts with them which  XXXX  was a closed account.  XXXX  was applying the payments I sent to my closed account instead of my open account. I have called several time on this matter and nothing has been done.
Product: Debt collection

For same XXXX XXXX account, XXXX had sent collection request on XX/XX/year> ( email attached ). After CFBP complaint this collection was settled in 2024 as collection request was invalid and XXXX sent me a letter ( attached ) that no further collection correspondence will be sent out. 

On XX/XX/year> I again received same collection request ( email attached ) possibly due to company name change or aquisition ( XXXX XXXX XXXX XXXX XXXX ) Previuos CFBP complaint for same account : XXXX In the response from XXXX, it was clearly mentioned that account has been settled and no futher communication on the collection. 

Thanks, XXXX
Product: Mortgage

My Mortgage has beened transfered from orginal servicer " Right Path Servicing '' to " Rushmore Servicing ''. I tried to Create an online account for the new mortgager " Rushmore Servicing '' and my info failed to match, so I tried calling " Rushmore Servicing '' and continued getting automated system. im not able to speak with a REP. about my missing payment after my mortgage was transferred i only continue to recive automated phone calls to make a payment or electronic mail stating to login and make a payment which by the way i cant login.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unverified account. 

This account was removed/deleted from XXXX due to the fact it was unable to be verified or is inaccurate. 

This account still remains reporting with XXXX and XXXX. 

Inaccurate reporting, as the information being reported misrepresents the credit history. 

Section 607 of the FCRA requires that consumer reporting agencies " maintain reasonable procedures designed to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

" In addition, Section 623 ( a ) ( 1 ) ( A ) of the FCRA states that " a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ''
Product: Credit reporting or other personal consumer reports

XXXX  XXXX XXXX account and XXXX where are fraudulent accounts on my credit file
Product: Credit reporting or other personal consumer reports

I asked for the deletion of inaccurate information from my credit report over a month ago
Product: Credit reporting or other personal consumer reports

There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

UNAUTHORIZED INQUIRIES : XXXX : XXXX XXXX  XX/XX/XXXX XXXX : XXXX XXXX XXXX  XX/XX/XXXX XXXX : XXXX XXXX A PART OF XXXX : On Behalf Of : XXXX XXXX XXXX  XX/XX/XXXX XXXX : XXXX XXXX : On Behalf Of : XXXX XXXX XXXXXX/XX/XXXX XXXX : XXXX XXXX : On Behalf Of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : On Behalf Of : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX : XXXX XXXX A PART OF XXXX : On Behalf Of : XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX : On Behalf Of : XXXX XXXX  XX/XX/XXXX XXXX : XXXX XXXX : On Behalf Of : XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX : On Behalf Of : XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX : On Behalf Of : XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX : On Behalf Of : XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX : On Behalf Of : XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX : On Behalf Of : XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX : On Behalf Of : XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX : On Behalf Of : XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX : On Behalf Of : XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX : On Behalf Of : XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX : On Behalf Of : XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These are fraudulent inquiries on my report. I did not authorize all of these inquiries. Below is a list of the inquiries on XXXX, Experian and XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

On XX/XX/2022, I received a text ( attached ) from Chime, asking if I'd made a purchase {$85.00} from supreme organics. Immediately, I replied NO. Chime texted again stating that the transaction was blocked and no monies was taken from my acct. I as well stopped all transactions, cut up card and ordered a new card. To my surprise the next day, my card was charged $ XXXX {$170.00}, in total. I called the merchant XXXX XXXX, who stated no refunds, then hung up. I've made several attempts to contact merchant again, only to get a recording, every time. Chime has given me the runaround. Every time I call, my dispute is closed, and they never tell me why, but reopen it again, only to find its been denied, closed, next time I call. Chime informed me that the merchant tried to charge my card {$86.00} four ( 4 ) times with ( 2 ) getting through. XXXX has numerous complaints about this merchant, XXXX XXXX, doing this very same thing to many. I've basically been robbed {$170.00}, from XXXX and it seems I can't do anything to get my money back. Chime should never allowed the purchase to go through as they stated in their text. Or can they do whatever they please with my money. I still have an acct with chime. Should I close it.