23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I am writing to formally dispute inaccurate information that appears on my ChexSystems report. This information is incorrect due to fraud, as my XXXX XXXX  debit card was stolen and used without my authorization leading to an unjust negative entry on my record. 

The following account ( s ) should be investigated and removed : XXXX XXXX XXXX  fraudulent transactions leading to negative balance Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ) I am requesting a full investigation into this matter. Attached, you will find copies of supporting documents, including : 1. A copy of my **police report** documenting the stolen debit card 2. My correspondence with XXXX XXXX and XXXX XXXX  disputing the fraudulent charges Because this information is incorrect and caused by fraud, I request that ChexSystems immediately remove the negative item from my record. If the disputed information is not corrected, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and seek legal remedies under the **FCRA**. 

Please provide me with a written response confirming the results of your investigation within the legally required 30-day period. If you need any additional information, feel free to contact me. 

Thank you for your prompt attention to this matter.
Product: Debt collection

After checking my credit report, I see there is an alleged {$4.00} debt collection from XXXX XXXX XXXX. However, XXXX XXXX XXXX actually owes me {$5.00} as I overpaid last year.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX TX XXXX Fecha : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Telfono : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX XXXX Social Security Number XXXX XXXX a resident of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX TX XXXX XXXX submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : Applicant Identification : Full Name : XXXX XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX Security Freeze Request : I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
Attached Documentation : I have attached the following documents to verify my identity and process my request : A copy of my drivers license or government-issued ID. 
A copy of a recent utility bill or bank statement confirming my current address. 
A copy of my Social Security Number.

Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have applied for a mortgage modification because I have fallen behind on my payments due to my wife and I losing our jobs. I have since been able to make my payments but I can not catch them up. I can not afford payment arrangements because the mortgage servicer Mr. Cooper will not spread them out over a long enough period of time. 5 months ago I applied for the modification and provided all required documents at that time. The underwriter did not read all of the documents provided and requested the same documents over again with no explanation as to what was wrong with what was provided. In late XXXX I spoke to their customer service agent whom went over the documents I provided with me and stated all required documents where there. The underwriter reissued the same request for documents in XXXX. I called and spoke to the customer service representative again and they stated they saw that the documents were uploaded. Meanwhile I have been making monthly payments keeping the mortgage from going 90 days delinquent. This continued through XXXX when on the XXXX I went and uploaded all new documents for review and went over such documents with customer service. There has been no review of those documents and a month has now elapsed.
Product: Debt collection

Received multiple communications from RSI Enterprises IncXXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX They keep sending threatening letters to my XXXX XXXX  son who is clearly a XXXX. We do not recognize the debt they are trying to collect ( {$160.00} ) and we have disputed it and told them that they are trying to collect from a minor. They continue to send harassing letters nonetheless - the last one of which is dated XX/XX/2023. 

Please get them to stop harassing my son.
Product: Credit reporting

I 'm at my wits end with these credit bureaus! I need help from someone before I get my attorney involved! I have accounts that are being reinserted on my file that were deleted previously. Some of them have been deleted and then reinserted and then deleted and then reinserted, etc. Each time they reinsert, I write to get them removed again. i am a victim of identity theft and all of these accounts were on the police report. I am so tired of this. At no time EVER did they notify me of the reinsertions, therefore, they must be removed solely based off of that! You will find the disputed accounts in the attachements.
Product: Credit reporting or other personal consumer reports

I am writing to formally request assistance regarding unauthorized or inaccurate credit inquiries that remain on my credit report despite my efforts to dispute them with the credit bureaus. 

I recently reviewed my credit report and identified unauthorized inquiries from CBNA on XX/XX/year>. I did not authorize these inquiries, and as a result, I disputed them directly with the credit reporting agencies ( XXXX, Equifax, and/or XXXX ) XXXX However, despite my dispute, the credit bureaus have failed to remove the inquiries from my report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate information on my credit report and request its removal if it can not be verified. Since these inquiries were not authorized and the credit bureaus have not taken action, I am now seeking CFPB intervention to ensure that XXXX removes these inquiries from my credit report. 

My information has been leaked from XXXX and Equifax and there have been several instances where my credit has been compromised due to their negligence.
Product: Credit card

Dear XXXX XXXX and Relevant Person in Charge of Macy 's : I am writing in reference to the recent correspondence regarding my Macy 's credit card accounts. I must express my strong disagreement with the decisions and actions taken by your institution. 

With regard to the alleged fraudulent transaction on the account ending in XXXX, I categorically assert that the order of {$240.00} on XX/XX/XXXX, was unauthorized and without my consent. Despite the shipment to an address associated with me, this fact alone does not substantiate my involvement or authorization of the transaction. I hereby demand a thorough and impartial reexamination of this matter by the XXXX XXXX, with full consideration of any additional information I XXXX provide to clarify the situation. 

Furthermore, I vehemently object to the closure of the account ending in XXXX. I have consistently met my credit obligations, making timely payments in accordance with the terms of the XXXX XXXX. Such an unwarranted closure not only causes inconvenience but also potentially damages my credit record. I insist on a comprehensive review of my account and the immediate reversal of the closure decision. 

In addition, I have serious reservations about the information provided by the XXXX XXXX XXXX XXXX. I suspect that there XXXX be inaccuracies or errors in the report, which could have unjustly influenced the decisions made regarding my accounts. I demand the opportunity to scrutinize and rectify this information, ensuring the accuracy and fairness of my credit profile. 

I trust that you will take my concerns seriously and take prompt and appropriate action to rectify these issues. Failure to do so XXXX leave me with no choice but to seek legal remedies to protect my rights and interests. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XX/XX/XXXX ]
Product: Credit reporting or other personal consumer reports

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. Kindly investigate my claim in accordance with the Fair Credit Reporting Act.I request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

FACTUAL BACKGROUND On or around XX/XX/XXXX I received an email communication from XXXX XXXX [ XXXX ] ( EXHIBIT A ) informing me that my contract as a licensed producer had been terminated due to a failed background check conducted allegedly with my express written consent by XXXX XXXX XXXX XXXX XXXX [ XXXX ] a direct subsidiary of Vertical Screen , Inc . 
This news was shocking, alarming, traumatizing, emotionally draining, and distressing as this information came out of nowhere. After suffering from several XXXX XXXX and eventually calming down I began to investigate the matter by contacting XXXX  on XX/XX/XXXX and speaking to XXXX XXXX who assisted me in obtaining a copy of the report. 
Upon receiving the report, I noticed several inaccuracies on the report starting with : SSN VERIFICATION / No authorization given & no record of Consent Based Social Security Number Verification ( CBSV ) or SSA-89 on file XXXX XXXX XXXXXXXX Furthermore, the SSN is not and was never intended to be used as ID according to the Social Security Administration. A copy of government issued ID with an exact issue date will be provided. 
3 inaccurate addresses associated with this report and none of them mailable. The only mailable address associated with XXXX XXXX is : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX and should replace all 3 addresses on the report. 
Inaccurate record associated with this report that is in all likelihood a product of Identity Theft and XXXX XXXX XXXX XXXX XXXX added this fraudulent and erroneous report and they did so knowingly as they acknowledge in their own report that the DOB does not match, but still willfully and brazenly included it within the report. 
I have, prior to XX/XX/XXXX never heard of or knew of the existence of [ XXXX ], neither have entered into an agreement prior to this date. I did not give consent to [ XXXX ] to open an account on my behalf, create a report, sell, resale my data, neither did I give consent to anyone else, to access my Social Security Account, use my name and likeness for employment purposes. 
After performing a Background Check with the XXXX XXXX XXXX XXXX XXXX, I was able to obtain a certified document ( EXHIBIT C ) confirming that XXXX XXXX having the DOB of XX/XX/XXXX does not have a criminal record.
Product: Money transfer, virtual currency, or money service

My Coinbase wallet was hacked for over {$1000.00} at the time. I want my crypto back. I contacted Coinbase at the time and they said too bad all you can do is create a new wallet and buy more crypto. I uploaded a screenshot of the amount and date of the hack.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 
Please remove the following items from my credit report immediately : Experian Equifax TransUnion
Product: Credit card or prepaid card

I Just started getting into building my credit I was too young at the time to establish any credit or have a card. Now that Im trying to establish and build my credit I see that theres charges on my credit report that I had no idea about.
Product: Credit reporting or other personal consumer reports

XXXX XXXX date of birth XX/XX/XXXX Contents of Complaint : This. CFPB complaint has been filed to request pursuant to XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) that you, the Equifax credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that result of identity theft and fraud within XXXX business days of you receiving at XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Account XXXX an secured Long opened at XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX Account XXXX XXXX XXXX an long Opened XXXX XXXX XXXX  on XX/XX/XXXX Account number XXXX These account have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer credit report XXXX credit report. All of the aforementioned account collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries of identity theft and fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

I understand Bank of America turned over personal information to the FBI recently so that that organization can monitor our purchases without our consent. I find this utterly staggering.
Product: Debt collection

The original creditor wrote off the debt and sold it without my permission. This is now fraud since it isnt from the original creditor. Please remove from my credit report completely.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXXXXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Debt collection

Self Financial Date Opened : XXXX 2019 To who it may concern, the payment status on this account is inaccurate and is invalid, you must have maximum accuracy when reporting, I would like you to verify this late payment and if you fail to verify I would ask you to delete permanently from my credit report, I also demand you show supportive documents that you are reporting this item as accurate, showing that its actually been late this is a violation of 15 USC Code 1681 a which violates my rights..
Product: Credit card or prepaid card

Equifax has been non-compliant with removing the unverified account XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX takes my old loan off then a few months later they add it back on saying its past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never had a credit card or a loan before, but my credit score was bad and someone used my identity to open an account on experian.
Product: Credit reporting or other personal consumer reports

I am writing to formally address multiple unresolved issues with the information on my credit report, despite previous communications and disputes I filed regarding inaccuracies. I initially reached out to EXPERIAN to correct discrepancies in my credit report, including errors with the dates of last payments, dates accounts were opened, payment history, and account status. After providing you with supporting documentation, I was assured that an exhaustive examination had been conducted. 
However, as of today, my credit report remains unchanged, and the errors I reported are still present. Furthermore, I have noticed that negative actions have been taken on my credit report, despite the unresolved inaccuracies. My full name is XXXX XXXX XXXX, and my address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX. 
My date of birth is XXXXAs a consumer, I have the right to dispute inaccurate or incomplete information on my credit report under the Fair Credit Reporting Act ( FCRA ). Under 15 U.S.C. 1681e ( b ), EXPERIAN is required to maintain reasonable procedures to ensure the accuracy of the information provided. Since I submitted clear evidence of inaccuracies, your failure to correct these errors constitutes a violation of this requirement. Under 15 U.S.C. 1681i, when a consumer disputes information on their report, EXPERIAN must investigate the dispute within 30 days. It has been over 30 days since I filed my dispute, and I have not received any update or resolution. This delay in investigation and failure to provide a clear response is a violation of my rights. Additionally, under 15 U.S.C. 1681 ( a ), my right to privacy is protected, and under 15 U.S.C. 1681b, a consumer report can not be furnished without my written consent unless specific exceptions apply. If any information from my credit report has been accessed or shared with third parties without my explicit consent, this would also constitute a violation. I ask that you confirm whether my written consent was obtained for any recent report disclosures. As part of my efforts to resolve this matter, I filed a formal complaint with the Federal Trade Commission ( FTC ) under report number XXXX. I trust that EXPERIAN will cooperate with the FTC in addressing these issues, as required by law. To resolve this matter promptly, I request that you conduct a thorough reinvestigation of my credit report, specifically addressing the inaccuracies in the dates of last payments, dates accounts were opened, payment history, and account status. I also request that any erroneous information be corrected or removed immediately. Furthermore, I ask for a detailed written response outlining the steps taken to correct these inaccuracies and actions taken to ensure compliance with the FCRA. If these issues are not resolved within 30 days, I will be forced to consider further legal action, including seeking damages for violations of the FCRA. I expect your prompt attention to this matter and a resolution within the legally required 30-day timeframe.
Product: Credit reporting, credit repair services, or other personal consumer reports

INFORMATION IN MY REPORT THAT IS NOT MINE AND INCORRET THIS COMPANY IS REPORTING FRAUDELENT INFORMATION SETOYOTA FIN DBA OF WOFC # XXXX ...
Product: Debt collection

Phone number XXXX has called my phone repeatedly and asked for a specific person. 
They will not identify who they are, their company name, what the call is in reference to ; they only state, " this is an important business matter ''. 
I called the number back and the recording says " XXXX XXXX, XXXX ''. 
I spoke to an operator and asked for the address of the company, the name of the company, the phone number, names of supervisors, etc. 
The gentleman that answered refused to tell me anything unless I gave him my phone number. 

I believe this is an identity theft scam. The name they have is one that was changed decades ago and only someone that does not really know the circumstances of the name change would continue to use that name.
Product: Mortgage

On XXXX I submitted Check # XXXX for {$1000.00} to pay the XX/XX/2022 mortgage payment, which was the month due on my account. This check cleared my credit union on XXXX. The company has not updated my mortgage payment to show that the payment due is now XXXX. It still says that XXXX is still due and the check I sent even states sept. XXXX payment on it and the payment coupon I sent with the payment was for XXXX. I did not complain last month because the mortgage company applied my payment correctly and there was no need to complain. In each of the companies responses to my complaints is that they accept the current month plus XXXX month and that is all I am, but they still do not apply my payment as a mortgage payment. I am current month ( XXXX ) plus XXXX month ( XXXX ) paid and next due is XX/XX/2022. Please apply my payment as a mortgage payment and update my acct to show next payment due is XX/XX/20XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have 11 out of 12 Hard inquiries that I have never signed any paper for. 

Someone has used my social security to apply for these inquiries. 

under FCRA I asked for the necessary information to prove that I I have signed paperwork with that company and theyve never responded.