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

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

Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account XXXX : XXXX XXXX # XXXX Account Name : XXXX AUTO # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX- Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX  XXXX  # XXXX Account Name : XXXX XXXX XXXX  XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : THE XXXX XXXX # XXXX Account Name : XXXX XXXX  # xxxx Account XXXX : XXXX XXXX  # XXXX Account Name : XXXX XXXX  # XXXX Unauthorized inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending this request myself to address the inaccuracies on my Credit Report. Upon analyzing my updates, misleading information was still found in my reports. The Experian Credit Bureau continues reporting unverified information without any proof provided, within the time allowed by law, which is not authorized. Below is the list of inquiries that are reported on my Credit Report and needs to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My father and I took out this mortgage loan in XXXX to repair the home. He passed away in XXXX and I now have the loan. On XX/XX/XXXX, I lost my main source of income and was placed on unemployment. I knew by the end of XXXX that I was in trouble and applied for a home loan modification. I was denied and they stated it wasn't due to unemployment and they were unable to create an affordable payment without changing the terms of the loan. I reapplied and they kept asking for my profit and loss statements for my business ( XXXX XXXX two nights a week ) and I sent them. They said I needed to send them again, so I did. They said I needed to send them yet again, and I did. This has been going on since XX/XX/XXXX. I have sent the profit and loss statements multiple times and have copies of every time I sent them. I spoke with a HOPE/XXXX  housing counselor and we did a three way call. My Carrington 'case worker ' said I needed to send the profit and loss statements yet again and hung up on us. The HOPE/XXXX counselor said he's never had that happen. I sent the profit and loss statements again. They asked for them again. I finally spoke to another person and she said she could see where I DID send the profit and loss statements, but they needed to be on one page? In eight months, no one told me this. I sent the profit and loss on one page. Now, they have sent me a denial letter stating my financial hardship was not directly related to unemployment or loss of income. I do have a new job but have taken a serious cut in pay. I am nine months behind on my mortgage due to them repeatedly asking for information I already sent and there is no way I can reinstate the loan. This has had a serious effect on my health and I now have XXXX XXXX XXXX and stomach   issues. I believe they were negligent in how they handled the modification request. I am now looking at foreclosure and becoming homeless.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Wednesday XX/XX/2017 I went to test drive a vehicle at XXXX XXXX in XXXX, IL. Upon checking my XXXX today I noticed 5 hard inquiries for the date listed above. However, I never personally applied for credit with these creditors listed : XXXX XXXX XXXX, XXXX XXXX I, XXXX XXXX, XXXX XXXX, and Huntington N.would like to address this immediately and get these negative hard inquiries removed from my credit report as soon as possible please and thank you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received two credit card inquiries from banks ( XXXX XXXX and XXXX XXXX XXXX XXXX that I never applied for cards from, this past Saturday the XXXX of XX/XX/2021.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of inaccurate addresses and inquiries on my credit report, which are adversely affecting my creditworthiness. I kindly request that you investigate and remove these discrepancies as part of my first attempt to correct my credit file. 

I did not apply for credit with these creditors or provide my consent for these inquiries. I request that you remove these unauthorized inquiries from my credit report. 

I have attached supporting documents, such as copies of my official identification and proof of residency, to verify my current address and confirm that the listed addresses are indeed inaccurate. Additionally, I have not initiated any credit applications with the mentioned creditors. 

I am well aware of my rights under the Fair Credit Reporting Act and request that you conduct a thorough investigation into these inaccuracies. I expect that you will complete this process within the legally mandated timeframe and inform me of the resolution as soon as possible. 

In compliance with the law, I also request a written explanation of the steps you have taken during your investigation and any updates or changes made to my credit report as a result. I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 NUMBER : 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 : Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> 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'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

XX/XX/year> FILE # XXXX Transunion did not remove the account. Nor did they properly investigate. Transunion has failed to fulfill its legal obligation under the Fair Credit Reporting ACT ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Transunion, alleging systemic issues such as failing to forward consumer-provided evidence, where Transunion furnishers , accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Transunion has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing, I am requesting immediate correction action to remove or amend the disputed accounts, as Transunion 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

hello on XX/XX/23 i spoke to transunion and also sent them a dispute in regards to some in correct information on my credit. It has been over a month and they have not proceessed this request. I wish to have this matter handled before the new years but they have ignored me.
Product: Credit card or prepaid card

The say if you spend {$10000.00} on their card in one year you get VIP membership in their casinos as per their website https : //d.comenity.netXXXXl  After spending that amount and not getting VIP, I contacted then and they said I had to spend it all at their casinos. That was not mentioned anywhere in their website.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a direct dispute with Transunion XXXX XXXX XXXX for 8 accounts. 6 that are fraudulently open ( {$150.00}, {$200.00}, {$2000.00}, {$900.00}, {$69.00}, {$1300.00} ) ; due to stolen identity, and the other 2 ( {$14000.00}, {$7800.00} ) which the amount owed is incorrect. It has been longer than the 30 days that the law requires. I called Transunion on XX/X/17, to follow up on my dispute, they were unable to help me and gave me the same file number after the agent told me he redid my dispute. He did not want to email me the information nor give me any information regarding my dispute. The agent was very rude and could not understand me. He Kept repeating the same thing over and over. It was very hard to understand his accent as well. Nothing was resolved or even token care of.
Product: Debt collection

We recieved an email from what looked to be Best Buy XXXX XXXX XXXX. They used these offical logos. Because we have used these companies in the past it looked to be legitimate! I call the number given XXXX XXXX XXXX XXXX and they tried to get me to log into a web site they sent me to to pay the debt that was on the invoice. I got suspicious and hung up and went do further on the computer. I called Best Buy and asked about this charge and there was no such bill issued by them. They informed me that this was definitely a scam and I was to report it.
Product: Money transfer, virtual currency, or money service

On XX/XX/24 I filed a dispute totaling {$420.00} & credits were posted same day! On XX/XX/24 I noticed more unauthorized transactions totaling {$320.00} so I filed another dispute! On XX/XX/24 the dispute was denied while on the phone waiting to speak to a supervisor! I opened the 1st rebuttal on XX/XX/24 but it wasn't documented until XX/XX/24 & denied a few days before the 10th day for the temporary credits! On XX/XX/24 I was placed into the hospital, same day I received my monthly payment and 2 days later my money was transferred into a account I don't know who this person is personally but she do work at the hospital! I've searched my phone location and the phone left the hospital and traveled to another city and stayed in that city for 2 days, so I filed another dispute in the amount of {$890.00} which was denied same day or next so I had to file a rebuttal! I've been out the hospital 5 days now without electricity due to not having the money to pay the bill! I have a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and haven't showered in 4 days! I've been calling all day on XX/XX/24 every hour to check the status of the credits and was given false hope even after explaining my situation! On XX/XX/24 was lied to by an csr about not being eligible for the temporary credits {$320.00}, supervisor also lied about making the credits available soon as we hung up, so I called back and was hung up on when I called the csr out on the lies she was telling me!! I didn't have to wait on XX/XX/24 for temporary credits of {$420.00} and was approved on XX/XX/24! Now it's 3 days shy of the 10th day for the temporary credits of {$320.00} & I'm having the hardest time getting the temporary credits that can be reversed at anytime to pay my bills! Now the dispute for {$890.00} I checked on maybe twice since opening it!! Now all calls have been about {$320.00} & because the 10th business day almost here they will deny the claim after being told I would receive them on XX/XX/24 & again on XX/XX/24 but I've still yet to receive it! Again I'm just getting out the hospital, no food due to everything spoiling and I'm XXXX! Enough is enough! I need my money & Chime is discriminating against me and I know it!!
Product: Student loan

I was automatically enrolled in the XXXX plan in XX/XX/2024 and was placed in a XXXX Recalculation Forbearance - I received communication at this time indicating that the months covered by the forbearance ( XXXX and XXXX ) would count toward XXXX XXXX XXXX XXXX ; unfortunately, this has not been the case. 

I reached XXXX  months of qualifying XXXX employment in XX/XX/2024 ; however, due to the forced forbearance, I have not received credit for any month after XX/XX/2024 and all months since XX/XX/2024 have been indicated as " Ineligible due to Forbearance on Due Date ''. 

I updated all XXXX certification through XX/XX/2024, which would have covered past XXXX payments had I been able to make them or receive credit toward Public Service Loan Forgiveness for the months covered by the forbearance as the attached written communication from MOHELA indicates. 

I applied for XXXX on XX/XX/2024 so that I can be removed from the XXXX plan and make the XXXX remaining qualifying XXXX payments ; however, the application is still pending review. 

I submitted a buyback request in XXXX and XX/XX/2024 and have not received any acknowledgement of either request.
Product: Mortgage

I made a mortgage application with I3 lending on XXXX/XXXX/15. I submitted a complete application including name, social security number, dob, address, income, and assets. I was never contacted and did not receive my required respa disclosures. The only contact I ever received was an email thanking me for my application and telling me I wold be contacted.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

My original credit card was compromised so I quickly called them to cancel the credit card. A new credit card was issued and sent to me. My problem is that they neglected to cancel the old card, sending me two account payments instead of one. You have to use the automated system in order not to be charged a fee of XXXX plus dollars. The automated system would n't acknowledge the old account so I called to ask how I could solve this problem. They were very rude, telling me that I would be charged if they had to make the payment for me. I asked if they could transfer the amount over to they new account and cancel the old account, they told me yes " They would take care of it ''. They did n't take care of it and the new bills came in with the old account having gone from {$52.00} to {$80.00} and presently to {$92.00}, late fees just piling up. I called one supervisor, he said that he would take care of the problem, he did n't take care of anything. I received a call from a " XXXX XXXX '' collection agency stating that I owe {$92.00}, not allowing me to explain anything. I was extremely angry so I called my credit card people and asked for a supervisor, I spoke with a man by the name of XXXX XXXX who took care of most all the problems. I called today, XXXX XXXX XXXX, and presented the problem I have, my credit score went from XXXX to below XXXX, one is as low as XXXX and the others at XXXX, approximately. I am trying to get my house refinanced with my bank and my vehicle payment also. This creates a higher payment for both, they wo n't listen to excuses. I spoke to a XXXX, employee # XXXX, she would n't give me the name of the first supervisor 's name, she would n't give her last name.
Product: Credit reporting or other personal consumer reports

Could you please delete these inquiries? I'm not familiar with this issue, and the company acted without obtaining my consent.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : Request for Fraud Block and Removal of Fraudulent Accounts Dear TransUnion, I am writing to request the immediate placement of a fraud block on my credit report and the removal of several fraudulent accounts that were opened in my name without my authorization. My previous request was not accepted due to the following reasons provided by your office : 1. Missing essential personal identifying information.

2. Lack of account-specific information, such as creditor names, account numbers, or other details.

3. The description of the identity theft was too vague and did not include specific dates related to the fraud. 

I have provided the necessary information below to rectify these issues : Personal Identifying Information : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Description of Identity Theft : These accounts were opened without my knowledge or consent, and I first became aware of this fraudulent activity on XX/XX/XXXX. The dates of the fraudulent account openings are listed above, and I request that these accounts be blocked and removed from my credit report immediately. 

Please consider this a formal request under the Fair Credit Reporting Act ( FCRA ) and applicable identity theft laws. I have attached copies of my identification and any additional documentation needed to process this request. 

Thank you for your prompt attention to this matter. I look forward to your confirmation that these fraudulent accounts have been removed from my credit report. 

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

On my personal credit there are business credit card inquiries that should not be there. 
XXXX XXXX XXXX on XX/XX/2021, Us Sm Bus Admin Oda on XX/XX/2021 I also have bout 30 inquiries on my credit that are there that I did not give my consent too. I walked in a Car Dealership I showed them my credit profile, and I was told that their bank would approve me long story short they end up send my information to 30 different places some to the same place three or four time. XXXX XXXX XXXX  on XX/XX/2021, XXXX XXXX XXXXon XX/XX/2021, XXXX  on XX/XX/2021, XXXX XXXX XXXX XXXX XX/XX/2021, XXXX XXXX on XX/XX/2021, XXXX on XX/XX/2021, XXXX XXXX XXXX XXXX on XX/XX/2021, XXXX XXXX XXXX on XX/XX/2021 XXXX XXXX XXXX on XX/XX/2021 XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. XXXX and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX/2024, XXXX  Date of Inquiry XX/XX/XXXX/2024, XXXX  XXXX  Date of Inquiry XX/XX/XXXX2024, XXXX XXXX Date of Inquiry XX/XX/XXXX/2024, XXXX  Date of Inquiry XX/XX/XXXX2024, XXXX  Date of Inquiry XX/XX/XXXX/2024, XXXX XXXX Date of Inquiry XX/XX/XXXX2024, XXXX XXXX Date of Inquiry XX/XX/XXXX/2024, XXXX  Date of Inquiry XX/XX/XXXX/2024, XXXX  Date of Inquiry XX/XX/XXXX2024, XXXX  Date of Inquiry XXXX/XXXX/2023, XXXX  Date of Inquiry XX/XX/XXXX/2024, XXXX Date of Inquiry XXXX/XXXX/2024, XXXX  Date of Inquiry XXXX/XXXX/2024, XXXX Date of Inquiry XX/XX/XXXX/2024, XXXX  Date of Inquiry XX/XX/XXXX2024, XXXX  Date of Inquiry XX/XX/XXXX2024, XXXX  Date of Inquiry XXXX/XXXX/2024, XXXX XXXX  Date of Inquiry XX/XX/XXXX/2024, XXXX  Date of Inquiry XX/XX/XXXX/2024, XXXX  Date of Inquiry XX/XX/XXXX2024, XXXX  Date of Inquiry XX/XX/XXXX/2024, XXXX  Date of Inquiry XXXX/XXXX/2024 & XXXX  Date of Inquiry XXXX/XXXX/2024
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act the following accounts are in violation of my federally protected consumer rights XXXXnder15 usc- section 1681 1681 b 1681 c2e 1681 he Accounts : XXXX XXXX XXXXXXXX jXXXX  I have spoken with a representative in the executive office whom has stated there would be no remedy even with proof of identity theft
Product: Prepaid card

This is about a Chase Bank prepaid card that I have had for 18 years. 
XXXX placed temporary charges for transactions that were not completed. They say to contact the bank to have the charges removed. Chase said that they can not do this. I know that they can.