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

I am a victim of identity theft. Enclosed are : my drivers license, my social security card, proof of my current address, my Federal Trade Commission Identity Theft Report, and a copy of SECTION 605B of the Fair Credit Reporting Act. I am writing to request that you remove/delete and place an immediate block on the fraudulent information listed below from my credit file within 4 days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information listed below does not relate to any transactions that I have made ; therefore I am requesting that these items be completely removed/deleted and blocked from my credit file. This is not a regular dispute. I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please remove and block the following information from my credit report pursuant to section 605B of the Fair Credit Reporting Act within 4 days. I am requesting that the following fraudulent items be deleted and blocked from my credit file Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These items are either reported incorrectly or have already been resolved, and I request a thorough investigation and correction. I have already reached out to both the credit reporting agency and the data furnisher, but the issue persists. I have attached supporting documentation, including screenshots of my credit report, to highlight the inaccuracies and support my claim. Please investigate this matter promptly and update my credit report with accurate information.
Product: Mortgage

We applied for a mortgage with BBVA Compass. Senior Mortgage Banking Officer was XXXX XXXX in XXXX FL. We applied on XXXX XXXX, 2015 to close on XXXX XXXX, 2015. XXXX XXXX was the Consumer Asset Processor III - XXXX # XXXX. 

We bought a house in XXXX Florida with 26 % down. Five days before close they say that they sent emails to my present employer but my employer had asked for things in writing due to high fraud levels. I say surely your bank can figure this out before now, but they outsource all the verification and do n't send written mail apparently. Three days before the close, XXXX calls to say they now want 75 % down which was a huge sum of money. 

It was too late to find another bank and had we known that they were untrustworthy earlier we could have easily changed. It is so late that we have to sell a lot of stock and mutual funds quickly to raise the money to clear in time to close. So we sell a ton of shares and funds. It all clears the day before thanks to great work by our broker ( it usually takes three days to clear ). 

I write XXXX XXXX who is the EVP for BBVA Compass XXXX to ask for his help. No reply from XXXX XXXX and no help from BBVA Compass even after I ask for managers or executives to speak with after hearing this ridiculous change from XXXX XXXX and XXXX XXXX. Neither of them would give me another manager or executive 's name. I also called the bank branch asking to speak with the bank president with no luck. 

I am now worried about the creditworthiness of the bank, since I have raised the money but have no guarantee that they will close on time after such a radical breakdown in trust. 

Given that we had XXXX choice to change or do anything else, we close on the XXXX and the bank wires the money at the end of the day. 

The irony is that we had enough money to buy the home for cash and yet the bank changed the loan amount at the last minute and we were more concerned about their coming through. 

We now have a loan with BBVA Compass and would never recommend them, XXXX XXXX, or XXXX XXXX to anyone. In fact, they along with XXXX XXXX should be fired for what seems like their misrepresentations on closing the loan and terrible timing to change the terms of our agreement. We will pay the loan off well before the end of the loan since they do not deserve our business or patronage.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX XXXX XXXX XXXX XXXX My correct date of birth : XX/XX/year> My correct address is:XXXX XXXX XXXX XXXX XXXX, NC XXXX My employer is : XXXX Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls. 
Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief.
Product: Vehicle loan or lease

I sold the vehicle back to the original dealership BMW FINANCIAL SERVICES and paid off the amount Bmw requested. BMW FINANCIAL SERVICES came back months later and said there was still a balance due and started to report late payments and charge offs, the balance was paid in full.
Product: Debt collection

They threatened to sue me and my family. We are being taken advantage of. Making you homeless. Calls every day, even on weekends.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed I have 9 inquiries on my credit report that I didnt authorized and I try to dispute them with Equifax and they are unable to verify me over the phone the overseas Dept gave me a hard time and told me I need to send in documents ... which I refused to do so due to the cornovirus I dont want get sick on my watch ... and I have important things to do ... the inquires that are showing on my Equifax reports are. 

XXXX XXXX XXXX XXXX XXXX.2020 XXXX XXXX XXXX,2020 XXXX XXXX XXXX, 2020 XXXX XXXX XXXX XXXX XX/XX/ 2020 XXXX XXXX XXXX XXXX.2020 XXXX XXXX XXXX XXXX2020 XXXX XXXX   XXXX XXXX XXXX XXXX, 2020 XXXX XXXX XXXX XX/XX/ 2020 2020
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a continuation of XXXX. 

Yet again, I get an email saying there has been activity and I should log on to the account. They still haven't made it so I can log on. The customer service I called says they can't help me.
Product: Credit reporting or other personal consumer reports

There are inquiries on my credit report that dont belong to me at all
Product: Debt collection

On XX/XX/XXXX, I sent dispute to all three credit bureaus and XXXX   and XXXX  removed the United Collections Bureau from my reports on XX/XX/XXXX. XXXX  stated that they verified information was accurate. United Collection Bureau-XXXX and United Collection Bureau-XXXX. On XX/XX/XXXX I sent this letter via online, " I do not believe you did an investigation. This means you are now required to prove that there was in fact an independent investigation and Im certain that I shouldnt have to reference anything because youre required to know the law, but section 609 protects me against false reporting and I should point out here that Thats exactly what this is! " .On XX/XX/XXXX XXXX came back with account verified. I did not receive any documentation of the investigation done by XXXX. On XX/XX/XXXX I sent another letter via online, I recently received an answer to this dispute Report # XXXX, which says that the account UNITED COLLECTION BUREAU- XXXX was verified according to the information that you have on file. Very Respectfully, I am sure there was an error in the outcome of your decision. 
I am requesting the Method of Verification for the following disputed account. This is in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ).

This is not a request for a reinvestigation of the previous dispute. This is rather a request for a Method of Verification where the following items should be provided to ensure the validity of the account. 
Please provide the following items, identify items by the name of source, such as creditor or tax court, and identify type of item, such as credit account, judgment, etc. 
1. The name of the original creditor 2. The creditors address and telephone number 3. The name of the person at XXXX who verified the dispute with the original creditor 4. The name of the person at the original creditor you verified the dispute with 5. The documentation used to verify the dispute On XX/XX/XXXX received response from XXXX for both accounts as it remains and once again did not receive any documentation from XXXX. 

on XX/XX/XXXX I called XXXX XXXX XXXX and spoke to XXXX for both accounts and requested the records for the files on XXXX and XXXX. She told me that they only have a detailed bill I also asked for the HIPPA form I signed to release this information to anyone. They dont have it and they have no record of any Bureau memos disputing this account. I then called UCB representatives XXXX and XXXX from the Extreme Department and I requested to open another dispute and to please investigate the information. They both told me they do not investigate accounts, that they are data furnishers only, I asked for a supervisor and both refused a supervisor.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXt # XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions
Product: Mortgage

They took over my loan in XX/XX/XXXX and so far every month have charged me random amounts for other. They are not posting my payments when they get the. They ca n't keep charging me for other. I have sent several emails and they have n't responded to a single one.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : -
Product: Mortgage

I applied for a home equity line of credit, to refinance an existing home equity line of credit from a different lender. During the refinance, their underwriters pulled a " XXXXroperty Profile '' report allegedly showing XXXX liens that they stated must be paid at closing. I balked at their requirement considering XXXX of the XXXX liens were not in fact liens but instead, simply notices that a previous tenant at my address had defaulted on personal property taxes. I attempted to reason with this bank, explaining clearly that i did not have personal property tax liens but, it was to no avail. I was finally able to contact the XXXX party that provided the bank the property profile and asked them to clarify these " personal property tax liens ''. They immediately saw that the liens were in someone else 's name, not mine and, that they were not liens and provided an updated report to the bank. That left XXXX final " lien ''.

I explained to the bank that the other " lien '' that they incorrectly asserted was a judgment against me was instead, a supplemental tax bill, paid semi annually with my regular property taxes. They insisted that this supplemental tax bill be paid in full separately from my regular property taxes because they stated incorrectly that it was a judgment. They threatened to cancel my scheduled close if i did not pay it. I pleaded with them that its property taxes and that it did not impact their lien priority and that XXXX other previous lenders understood how supplemental taxes work. They cancelled my closing anyway. 

Out of pressure and under duress, I agreed to pay the supplemental tax bill, which would cause me harm when filing my taxes as i lose the write off of property taxes. They insisted i provide them a payoff. I obtained the payoff and submitted it to them. instead of issuing a check to the payee listed on the demand, and in the amount listed on the demand, they issued a check to another entity for another amount. The check has not been cashed because of this and to add to my injury, i've been paying interest on this amount that has yet to be corrected. I asked them to put a stop payment on the check and they refused. 

I'm at a loss financially for the interest charged on this outstanding cashier 's check and, I'm being required to pay a supplemental property tax that is a normal tax paid twice a year through an escrowed account by my XXXX XXXX XXXX servicer. I want the requirement to pay the lien removed as the lien priority of this bank doesn't change whether they pay it or not and, I want to be reimbursed for the interest for the time that has gone by since they issued an incorrect check and amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

Was applying for a car loan. XXXX XXXX  was one of the companies applied for. They denied me due to a credit report they had with Sage Stream. Never heard of them or used their services. Decision was mailed by XX/XX/2020. Score was extremely low. Feel that impacted XXXX 's decision.
Product: Debt collection

I am not sure if this was obtained in store or online or of the amount at this time. I am continuing to receive harassing emails stating they are filing a arrest warrant and threats of being referred to an attorney. I have responded and noted that a complaint was being filed and not to contact me any further. 

Email address : XXXX Company : XXXX XXXX, XXXX, WY XXXX
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have been a victim of a data breach, which has led to unauthorized credit inquiries being made on my credit report. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am formally requesting that you block and delete the following fraudulent inquiries from my credit report immediately : XXXX. XXXXXXXX XXXX XXXXXXXX XXXX o Date of Inquiry : XX/XX/year> XXXX. XXXX XXXX o Date of XXXX : XX/XX/year> XXXX. XXXX XXXX o Date of XXXX : XX/XX/year> XXXX. XXXX XXXX XXXX o Date of Inquiry : XX/XX/year> XXXX. XXXX XXXX XXXX o Date of Inquiry : XX/XX/year> XXXX. XXXX XXXX XXXXXXXX XXXX o Date of Inquiry : XX/XX/year> XXXX. XXXX XXXX o Date of Inquiry : XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a credit reporting agency complaint against Experian, # XXXX. I have tried several times to complete an online dispute and to update my 100-word personal statement. I am entitled to submit my personal statement, and have it provided to all who may request my credit report. This is my personal statement I wish to have placed in my credit report : " My ID was stolen, in two security breaches. Found on the dark web, my XXXX XXXX XXXX cards were used without authority. XXXX XXXX XXXX were notified, provided copies of law enforcement reports obtained. I disputed the accuracy & completeness of XXXX XXXX XXXX adverse information they reported to the three credit reporting agencies. Each agency gave notice to XXXX XXXX XXXX, as adverse information furnisher. XXXX XXXX XXXX failed to, conduct a reasonable investigation of each dispute ; review all relevant information ; modify, delete, or permanently block the reporting of 5 items of adverse information. '' Item 2 : XXXX XXXX, XXXX, is being misreported. The balance is over-reported by more than {$2000.00}. Item 3 : XXXX XXXX, XXXX, is not being reported. Experian is providing this account information to some associates and not to other. This account should be verified and placed on my report. Item 4 : XXXX XXXX XXXX XXXX, is being misreported. The balance is over-reported by {$1600.00}.
Product: Credit reporting or other personal consumer reports

I am formally disputing these inaccurate accounts that's currently listed on my consumer report. This information is harming chances of a healthy financial well-being. I am well aware of my rights under the Fair Credit Reporting Act. I request an investigation to cure these inaccuracies as required by federal law. 

XXXX XXXX  XXXX XXXX should be removed from my credit report.
Product: Prepaid card

Myself along with thousands of other people have not received our direct deposits and even if there are funds on your card we do n't have access to it because the cards are not working. The phone lines to the company are now down and when they were up and working I got hung up on after waiting for hours. I am about to lose so much because of this i dont know what I 'm going to do but Rush Card needs to be reported!
Product: Checking or savings account

On XX/XX/2023, at XXXX, an email was sent by Ally Bank stating that my wire transfer for {$19000.00} had been approved. However, I was traveling and did not have access to my email account until Monday morning on XX/XX/2023. When I saw the email, I immediately contacted ALLY Bank by phone to tell them that I did not authorize any wire transfers. I asked them to reverse the transaction, they then contacted the corresponding bank, and they told me that the corresponding bank refused to reverse the wire transfer and there was nothing they could do except file a dispute claim. I filed a dispute with ALLY Bank, and I reported the transaction my local police department and the FBI since this was an international transaction. I then had an attorney prepare and send a formal response to the Bank 's initial denial. Over the next 5 weeks, I made a number of calls and sent emails to them and on XX/XX/XXXX after almost 2.5 hours in calls with them, they stated that they would not return the funds to my account. In fact, they put a hold on the remainder of my account and upon their decision, they closed my account and sent the balance to me. 

I believe that the following facts should have raised red flags regarding this transaction that should have trigger additional verification by ALLY before they made this wire transfer : 1. In the 5 years of having this account, I have never wire funds in excess of {$1000.00} and each wire was from the ALLY Bank account to my personal checking account, which means this transaction was 19 times more than any previous transaction. 
2. This is a personal saving account why would I be purchasing goods directly from XXXX using a personal saving account. 
3. The amount of the requested wire was more than 50 % of the then account value. 
4. The inability to reverse international wire transfers 5. The level of wire fraud on transfers to XXXX. 
6. The wire transfer appears to have been requested on a Friday and sent the same day. Given the nature and size of this transaction, I do not understand why they would not have given me at least one full business day to confirm before taking an action that could not be reversed.

I have some mental a
nd physical disability and this account represents my life savings. I am not financially sophisticated, but I do not understand how a bank could withdraw that sum of money from my account without my prior knowledge. 

If you need any further information, please contact me. 

Thank you in advance for your attention in this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint number XXXX, I need to just submit my documents
Product: Credit reporting, credit repair services, or other personal consumer reports

I have experienced ongoing issues with removing unknown accounts on my credit report. I have sent in multiple dispute letters and have yet to receive anything. I sent off an original dispute letter asking for them to send over certain documents that requested them to send my original contract with my signature attached. I never heard anything back. I then sent off a 30 Day Demand of Comply letter after waiting 45 days. To this day, I still have not received anything. Under FCRA, failure to validate the debt in 30 days demands an automatic deletion. Furthermore, the original signed contract has still yet to be sent to me. I demand deletion!!!! ACCOUNT NUMBER : XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX  : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax have blocked my credit report account for months and I am unable to see my credit report account having faxed to Equifax Dispute all copies of my personal information These are: copy of my driving license,  social security number, utility monthly billing statement with a letter requesting to unblocked my credit report. My personal information was faxed as requested to Equifax Fax  #  XXXX XXXX XXXX XXXXI have called Equifax Customer Services at Consumer Care telephone XXXX to expedite my request, but their e-mails to set a new password have failed several times.I believe Equifax is incompetent to set customer requests within a reasonable time.My request to set a new passport were denied stating that my four digit of my social security number XXXX  and date of birth XX/XX/XXXX are incorrect.I feel I cannot longer spend my time and expensive cellular phone calls trying to resolve this issue by telephone.
Product: Credit reporting or other personal consumer reports

I am writing to express my profound frustration and dissatisfaction with the numerous attempts I have made to remove fraudulent items from my credit report. These fraudulent entries are adversely impacting my credit score and overall financial well-being, and despite my persistent efforts, they remain on my credit report. 

I have diligently reported these fraudulent activities to the respective creditors, provided police reports, and submitted identity theft affidavits as required by law. However, despite my numerous attempts to rectify these errors, these fraudulent items continue to mar my credit history. 

I kindly request your immediate attention to investigate and rectify these inaccuracies on my credit report. I expect a thorough review of the information I have provided and prompt resolution of these errors. I also request written updates on the progress of this dispute and the results of your investigation. 

I understand the importance of accurate credit reporting and am committed to restoring my financial integrity. I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ) and am prepared to take any necessary legal actions to resolve this matter if these discrepancies are not corrected promptly. It is my hope that such actions will not be required, and that we can work together to rectify these inaccuracies as soon as possible. I am asking for your immediate assistance to remove the following fraud items in my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX