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

.On about XX/XX/year> I submitted the following affidavit and information to all XXXX bureaus that my consumer report is being used without my authorization and I suspect identity theft is involved. I have not accessed my credit report or authorized any one or any business to pull my reports I filed bankruptcy for purposes of Identity theft. 
I submitted my affidavit and information to the XXXX bureaus along with my police report and have not received any responses. To the facts.my information and on my consumer, reports is being compromised as well as my identity. 
Enclosed you will find inquiries from the same repeat banks every couple of months there are over XXXX inquiries from unauthorized banks and lenders without my knowledge and or authorization. 
I am requesting that all inquiries and negative information relating to these inquiries be removed I have placed a fraud alert on my credit report. 




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Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX - XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 3 certified return-receipt letters over the past 6 months to Ally financial to dispute an item on my credit report ( one late payment that is affecting my credit score ) and have never received a reply to my dispute. They have exceeded the 30-45 day window to respond to my multiple disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report
Product: Mortgage

Ocwen fraudulently foreclosed on my home in 2015 after refusing to provide documentation that they held the mortgage to my home. Despite numerous requests no documentation was forthcoming and they eventually fraudulently created paperwork with fraudulent signatures to foreclose my home. I previously filed a complaint on them. I have everything documented and I am willing to provide these documents in support of my allegations.
Product: Credit reporting, credit repair services, or other personal consumer reports

IC System pulled my credit report multiply times and I haven'tXXXX didn't apply for any credit during that time. 
XX/XX/XXXX, and XXXX, XXXX and XX/XX/XXXX XXXX
Product: Debt collection

Attached to this letter is a copy of my FTC Identity Theft Report, which provides details regarding the fraudulent activity. In addition, I am invoking my rights under the following legal provisions : 1. 15 USC 6802 The Gramm-Leach-Bliley Act, which mandates that consumer reporting agencies take appropriate action to prevent identity theft and ensure that consumer information is protected.

2. 15 USC 1681b Under the FCRA, a credit reporting agency may not report information if it is determined to be a result of identity theft. I request that you remove all fraudulent information from my credit report.

3. 18 USC 1028A This statute criminalizes identity theft and provides a legal framework to help consumers protect themselves from fraudulent activity. I am actively pursuing this matter in line with this law and expect your full cooperation in removing the fraudulent information. 

I request that you take immediate action to block any fraudulent accounts from my credit report. As required by the FCRA, please complete your investigation within 30 days and notify me in writing of the results, along with any actions taken to resolve this matter. 

Please also provide me with written confirmation that the fraudulent accounts have been removed from my credit report. If you need any further documentation to assist in your investigation, please inform me promptly. 

Thank you for your cooperation in ensuring that my rights under the law are upheld. I look forward to your prompt resolution of this matter.
Product: Mortgage

My mortgage was recently transferred from XXXX to LOANCARE. Since the transfer I have not been able to access my online account and calls to them just get discounted. 
They continue to route me to various departments and I am placed on hold and then the call gets disconnected. 
Also, I had requested information on a forbearance and was immediately placed into one despite only asking for information about the terms. I did not agree to be placed in forbearance.
Product: Credit reporting or other personal consumer reports

on XX/XX/2023 I came to notice about the inaccuracy after I the consumer was denied the right to extend credit. on XX/XX/2023. I reached out to XXXX, equifax and XXXX. To inform stated financial institutions. as defined in 15 usc 6827 ( 4 ) ( a ). they are financial institutions as these stated consumer reporting agengies have relationships with financial institutions by being service providers. under title 15 chapter 94 subchapter 2 congress states it is a violation to obtain or attempt to obtain, or cause to be disclosed to any person, customer infomation of a financial institution relating to another person. not only is the stated reports listed in the affidavit that i have in the attachments section of this complaint not owed. XXXX, equifax and XXXX has violated my consumer rights by not informing me of my rights to opt out. Nor did i consent to any of the following transactions or reports listed in the affidavit in the attachments sections of this complaint. this is an infrigment upon my rights. I the consumer was never contacted to ensure accuracy. Therefore no intial investigation was conduted immediately to determine if the reported infomation was accurate. 15 usc 1681 ( a ) ( 4 ) states " There is a need to ensure fairness, impartiallity, and respect for my right to privacy.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than XXXX business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card or prepaid card

I went into a store to purchase a money order with my cash app card. The card declined on the store side but cash took the XXXX off my card and refused to give my back. I filed a dispute sending proof from the store corporate office of the declined transactions. They still refused to help refund my money. They showed no sympathy of help. This was my rent money and for my business and im about to lose it
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 
Depending solely on your flawed XXXX  system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/XXXX  in question. Sending out a generic form letter through the XXXX system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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 XXXX XXXX is writing this letter because of a debt that was placed on my credit profile by XXXX XXXX XXXX ( XXXX XXXX XXXX. I was unaware of this debt until it appeared on my credit report. I didn't have the opportunity to assess or dispute this debt. If in fact you believe you gave me proper notification, please send me a copy of the certified receipt with my signature proving delivery and receipt. It is understood that a debt collector has 5 days to put me on notice that they acquired the debt from the creditor. I am to be notified by certified mail or mail with a tracking number advising me of the debt prior to the debt being placed on my credit report. It is my right to be in the position to dispute the debt prior to this debt being placed on my credit report. If you can not prove you notified me of this debt prior to adding this item to my credit report, the debt must be removed as it is a violation of my consumer rights. 

Per consumer law 15 U.S. Code 1692g - Validation of debts- If you can not prove you notified me of this debt prior to adding this item to my credit report, the debt must be removed as it is a violation of my consumer rights.
Product: Mortgage

Carrington Mortgage Services LLC consistently processes my payments incorrectly. I always pay additional principal and it is always processed as an additional regular payment. I was instructed to mail my payments to a different address so that this would no longer happen. I have mailed two payments to the new address and the payments are still processed incorrectly. This has occurred approximately 8 times in the last 2 years.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$50.00} XXXX XXXX Balance : {$50.00} XXXX XXXX Balance : {$50.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX, stating that I own XXXX to XXXX University, I called them about this account for more details because I do not recognize this account and I do not own XXXX University anything, I asked them to provide me the debt validation claim, they did not provide with debt validation claim, all they provided me is student transaction report, which I do not recognize, I see on the student report dates, that date I was not in UAS. on XX/XX/XXXX, I called them about more details on this account but they hung up the phone on me, I called multiple times but they refuse to answer my calls As required by section XXXX of the Fair Credit Reporting Act, XXXX XXXX. XXXX, a copy of which is enclosed, I am requesting that the item ( XXXX ) be removed to correct the information.
Product: Checking or savings account

Bank of Ozk This company opened a checking and savings account for me and then months later asked me to verify my address. I am currently being forced because of COVID and the horrible mortgage industry and a car accident to live in a hotel. I was asked to send this company proof of address to the address I gave them. I sent them my XXXX bill and my XXXX checking account. This company then took it upon themselves to close my account with out warning and I never received a call or a letter and thank God I did not close my XXXX  account or I would have no way to get my direct deposits. This bank should be penalized and warned about this type of unscrupulous behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ACCOUNTS WERE LISTED ON MY CREDIT REPORT AND I HAVE NEVER OPENED THESE ACCOUNTS. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESES COMPANIES, PLEASE HAVE THESE ITEMS REMOVED FROM MY FILE.
Product: Credit reporting or other personal consumer reports

Victim of identity theft have attached supporting documentation to support my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a complaint to CFPB regarding Transunion 's inability to provide me ( the consumer ) with the method of verification used to verify an erroneous bankruptcy on my credit report. The complaint was filed because after attempts on XX/XX/XXXX and XX/XX/XXXX, Transunion failed to provide me any information on how this information was verified or who would've furnished this false information to them. They merely stated it was verified and this has remained on my credit report without explanation. 

On XX/XX/XXXX, Transunion responded to the XX/XX/XXXX CFPB complaint stating that they would get back to me in 30 days to inform me of how they planned to resolve this issue and/or provide me with their method of verification used. It is now XX/XX/XXXX, past 30 days, and I still have no answer as to how this erroneous information ended up on my credit report. 

At this point, this erroneous and unverified information needs to be deleted from my credit report immediately. 

Refer to CFPB complaint ID : XXXX
Product: Debt collection

I called southern management systems to try to reach a settlement. I told him the most I could afford and he laughed in my face even though it was for over 1/2 of the amount due. He got very belligerent and said I was going to make you an offer but because you yelled at me which I never did he said he would n't help me at all. I feel like the debt should be paid because they refused money.
Product: Credit reporting or other personal consumer reports

I have sent in multiple disputes, letters on letters stating the issue with my credit profile was been dealing with its very over whelming I'm either getting verified, updated or I get no response. Went to XXXX police department expressing the fraud that's on my account they couldn't help either I didn't apply for any accounts there fraud I'm asking can you delete the fraud accounts on my report
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX  XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 



I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information TransUnion. 



Please delete the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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've recently received a copy of my credit report and noticed inaccuracies and unauthorized inquiries, and accounts/information reporting my credit report. These remarks have been detrimental to my life and credit health.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : 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  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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, credit repair services, or other personal consumer reports

As of late XX/XX/XXXX XXXX XXXX XXXX XXXX is reporting a balance of XXXX ( the account has been closed charged of as of XX/XX/XXXX ) Since corvid I have tried many times to have this corrected and still they in fact kept the balance still opened. Stent letter to all 3 credit bureaus to XXXX- to result.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Inaccurate Information on Credit Report FCRA Violations To Whom It May Concern, I am writing to formally dispute inaccurate and erroneous information appearing on my Experian credit report, in violation of the Fair Credit Reporting Act ( FCRA ). The following accounts contain errors and must be removed immediately from my credit report. 

Inaccurate Accounts & Violations : 1. XXXX XXXX Bank XXXX Account # XXXX Issue : Account is inaccurately reported as charge-off with an outstanding balance. 
Violation : FCRA 623 ( a ) Duty to report accurate information. 
PLEASE DELETE THIS FROM MY CREDIT REPORT. 
2. XXXX XXXX XXXX XXXX Account # XXXX Issue : Duplicate reporting of the same account under different entries. 
Violation : FCRA 605 ( b ) Prohibition of inaccurate information. 
PLEASE DELETE THIS FROM MY CREDIT REPORT 3. XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXX Issue : Account status incorrectly marked as repossession despite being redeemed. 
Violation : FCRA 611 ( a ) Right to dispute inaccurate information. 
PLEASE DELETE THIS FROM MY CREDIT REPORT 4. XXXX XXXX XXXX Account # XXXX Issue : Account was previously disputed, but no verification was provided. 
Violation : FCRA 611 ( a ) Failure to verify disputed accounts. 
PLEASE DELETE THIS FROM MY CREDIT REPORT Request for Immediate Action : Remove all inaccurate and unverifiable accounts from my Experian credit report. 
Provide written confirmation that these accounts have been deleted. 
Send me an updated credit report reflecting these corrections. 
I request that Experian investigate these violations and correct my credit report accordingly. If no corrective action is taken within 30 days, I am prepared to escalate this matter legally. 

Please respond promptly to this formal dispute. Thank you for your immediate attention to this matter. 

Sincerely,
Product: Credit card

On XX/XX/year> I reserved a few nights ' stay at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Alabama. The final bill was {$360.00}. However, this amount was charged twice on my Chase card. There should be only XXXX charge of {$360.00}. I tried to resolve this issue with Chase through their dispute process and Chase has not helped.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX with XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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: Checking or savings account

I have a Citibank Checking Account, Savings account and multiple credit cards with them for the past 30 years. I recently requested a wire transfer for a large amount to perform house closing. The wire transfer gets cancelled by their Fraud Prevention department with no reason. I have tried about 10 times in the past 24 hours. When I keep calling their customer service ( Gold status I have ) and they transfer me to their Fraud department. The Fraud rep asks for a referral number which they claim to be given via voicemail to my mobile phone. I have not received a single call or voice mail from them. Because of this my closing is cancelled and this has caused serious hardship for me, my builder, title company, mortgage lender etc., besides my family. It has been over 24 hours with numerous calls and no resolution so far. Not sure how I get my money back. I have cancellation emails from Citibank when requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX - XX/XX/XXXX XXXX XXXX {$3300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$2900.00} XX/XX/XXXX 15 U.S.C, 1681section 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. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.