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

I am filing this FTC Identity Theft Affidavit to report several fraudulent account sand inquiries appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent inquiries and accounts have affected my life and resulted in several fraudulent hard inquiries and accounts and appearing on my consumer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
CFPB Complaint against XXXX XXXX XXXX Equifax XXXX Name : XXXX XXXX Social Security XXXX : XXXX SSN ), Consumer Date of Birth : XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent inquiries have resulted in several fraudulent inquiries appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned hard inquiries and account are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit hard inquiries are the result of identity theft and fraud. 
What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that Equifax credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX XXXX
Product: Credit reporting or other personal consumer reports

CFPB- EQUIFAX dosent have documentation of the settlement amount. For that the account needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

In the beginning of XX/XX/XXXX, I became aware that XXXX XXXX had opened a 2nd account for me because they sent me 2 bills. I called them and they told me the two accounts were merged. Later in XXXX they sent another bill, with a 3rd account. I called them, they assured me the accounts would all be combined. four days later I received a card for a new account. I again called them. They again assured me that the accounts were all merged into 1. I received my bill. I paid my bill on time. I received a notice that my account was past due. I called them and they informed me I still had an account that was not merged and I owed a {$10.00} dollar payment. that was on! /XX/XX/XXXX. I told the representative that I would call on XX/XX/XXXX and make the payment. I was told that after the payment all of my accounts would be merged. When I called on XX/XX/XXXX, the rep told me that I had 2 accounts open and I had a minimum due of {$20.00}, but after payment I would be caught up till XXXX. He told me that the payment would allow him to merge my accounts. I explained I had little confidence that this would occur and asked to speak with his supervisor. The supervisor got on the line, assured me that all of these accounts are merged and I didn't have a payment due till XXXX. This morning at XXXX I received a call from XXXX XXXX ( robot call ) about a past due balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in multiple requests for investigations on the item listed & the creditor as well as the credit bureaus continue to report this account as inaccurate. The date of last activity is different on all 3 reports, if this information is coming from the same source then it should all be reporting the same dates. This is incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

IN RESPONSE TO CFPB : XXXX THIS IS NOTICE THAT IT HAS BEEN MORE THAN 30 DAYS THAT YOU HAVE NOT RESPONDED TO MY COMPLAINT. PER FCRA CREDIT REPORTING ACT YOU HAVE TO DELETE THE ACCOUNT REQUESTED IF THERE HAS BEEN NO RESPONSE WITHIN 30 DAYS. NOTED MY INITIAL REQUEST WAS SENT THROUGH THE CFPB ON XX/XX/XXXX AND TODAYS IS XX/XX/XXXX. I HAVE GIVEN PLENTY OF TIME TO DISPUTE THE REQUESTED ITEM PLEASE REMOVE FROM MY CREDIT REPORT OR I WILL HAVE TO PURSUE FURTHER LEGAL ACTION. 
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX. # XXXX XXXX, TX XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX AND CREDIT INQUIRIES ARE NOT MINE XXXX  XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX + All Banks Contact the inquirer : MAIL ONLY XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Sales Financing ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + Automobile Dealers, Old ( XXXX ) XXXX XXXX   XXXX XXXX Inquiry : XXXX XXXX, XXXX + Auto  Financing  XXXX  XXXX XXXX Inquiry : XXXX XXXX, XXXX + Automobile Dealers, New Contact the inquirer : MAIL ONLY XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Sales Financing ( XXXX ) XXXX XXXX XXXX XXXX   Inquiry : XXXX XXXX, XXXX + National Credit Card  Cos. 
( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX Inquiry : XXXX XXXX, XXXX + Miscellaneous Reptg. Agencies The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent  information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX. # XXXX XXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

CREDIT REPORT FILE GENERATED ON XX/XX/year> REPORT # XXXXTHE PERSONAL INFORMATION PROVIDED ON THE CREDIT REPORT IS INACCURATE.
Product: Credit card or prepaid card

I contested a charge to my Citibank XXXX XXXX. 
The charge was for a cleaning service for my home. 
I had contracted for a price, but the company was unable to complete the job as contracted for. They came back another day and charged me an additional amount {$360.00} ' it is this additional amount that I was contesting. 
I went online and filed a dispute with citibank. I checked the most appropriate category available, although it did not exactly correspond to what had occurred. 
Citibank issued a temporary credit, and requested additional information from me, which I provided. 
Citibank then informed me that they were reversing the temporary credit and reinstating the additional charge because I had provided them with conflicting information ; they refused to comment on the substantive issues based upon all of the detailed information that I had provided them, they simply denied my appeal based upon their perception that I had provided conflicting information. 
I explained to them the same as above, that their website limited my choice of a dispute reason, but that I had subsequently provided them with all of the necessary information for them to review and reconsider their initial determination. 
Citibank has refused to do so, in violation of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my EQUIFAX credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. The INCORRECT Addresses are listed here : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I am also showing incorrect employer of XXXX XXXX that needs to be deleted. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting or other personal consumer reports

I am requesting an immediate investigation into these items. I request that you promptly correct the information on my credit report. 

XXXX OF XXXX XXXX BALANCED {$23000.00} late payment of XXXX and XXXX days XXXX OF XXXX XXXX BALANCED {$4600.00} late payment of XXXX and XXXX days XXXX OF XXXX XXXX BALANCED {$13000.00} late payment of XXXX and XXXX  days XXXX XXXX XXXX XXXX BALANCED {$12.00} XXXX XXXXXXXX XX/XX/year> XXXX  XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple unauthorized credit inquiries. No response from credit bureau.     This letter is another formal request to remove unauthorized inquiries from my credit report. I 've listed the unauthorized inquiries below.       XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX    XXXX    XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX    XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX .    XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX    XXXX     XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX    XXXX   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX    XXXX   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX ,  XXXX  Please note that before making this request, I sent letters to the organizations responsible for these unauthorized inquires asking them to remove their inquiries from my credit reports and to cease their illegal activity. Although I sent these letters return receipt requested and have proof that my letters were received more than 30 days ago, they have failed to respond therefore, I ask for your assistance in resolving this matter.     In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined above.
Product: Credit card

I received a letter from Santander bank stating that I opened a XXXX  credit card account with them on XX/XX/year> and a payment of {$33.00} is past due. Due date was XX/XX/year>. The last XXXX digits of the account are XXXX. 

I did not open a credit card with Santander, so I called the number they gave me. The number is XXXX. When I told that to the representative he said he could not look up that account without my full social security number. I was not willing to give them that information, so I hung up.
Product: Mortgage

In the summer of XXXX, I called PennyMac because I was interested in accelerating my mortgage loan and I was looking to refi my mortgage as the rates had dropped. Because it is a condo, PennyMac opted not to help me. Fine, then I decided to make extra payments greater than my monthly payment owed. Which was at the time was approx {$1300.00} per month. Now with the increase of taxes, that amount changed to {$1400.00} per month. So I started the bi-monthly payment and told the Pennymac rep that. In XX/XX/XXXX/XX/XX/XXXX, I became ill with a XXXX XXXX. The consequences of that illness was the 100 % loss of my hearing. By XX/XX/XXXX, my hearing loss was complete and irreversible. I was under the care of XXXX XXXX, the recommendation was to get cochlear implantation. I had XXXX the week of XXXX. I was home recuperating when I realized that my mortgage payment needed to go out. I made the payment late for XXXX. 
PennyMac began the process of foreclosure. I wrote to PennyMac on XX/XX/XXXX. No response from them at all. I wrote again on XX/XX/XXXX, no response from PennyMac. Nothing. I received certified mail that PennyMac intends to foreclose. Why? PennyMac has received the funds owed them. 
PennyMac has no trouble sending mail out for foreclosure but their reps can't read messages left on their website? Why is that? They can't work with their clientele? Why is that? I can't get a refi, I can't get a hold of them, I can't communicate with them over the phone anymore. I could mail a letter, but USPS has been atrocious. The quickest way is to send a message via online. Yet, no response. 
PennyMac Loans has discriminated against me. They have ignored me, they have bullied me, and harassed me with their foreclosure processes. This is totally unnecessary and nasty. 
I want PennyMac to send in corrections to all the credit report agencies, I want PennyMac to remove all foreclosure processes from my record, and I want PennyMac to issue an written apology to me for poor leadership. 
I am asking you to represent me to PennyMac Loans since I can no longer hear. It would be nice for someone to stand up to rude large organizations. Thank you.
Product: Credit reporting or other personal consumer reports

Re : Urgent Request Fraudulent and inquiries block under section 605B of the FCRA Account in Dispute : XXXX  XXXX Account # : XXXX Reported Balance : {$480.00} Account in Dispute : XXXX XXXX XXXX XXXX Account # : XXXX Reported Balance : {$810.00} Account In Dispute : XXXX XXXX XXXX Account # : XXXX Reported Balance : {$340.00} To Whom It May Concern, I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identify theft. The inaccurate information is causing significant harm to my credit, and I expect immediate correction action. 
Per section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within ( 4 ) business days from the date of receipt of this letter. 
Account in Dispute : XXXX  XXXX Account # : XXXX Reported Balance : {$480.00} Account in Dispute : XXXX XXXX XXXX XXXX Account # : XXXX Reported Balance : {$810.00} Account In Dispute : XXXX XXXX XXXX Account # : XXXX Reported Balance : {$340.00} Additionally, I request the removal of all unauthorized inquiries to this identify theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. 
I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were are not authorized by me and negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. 
I expect written confirmation by XX/XX/XXXX, confirming that the fraudulent XXXX XXXX XXXXXXXX accounts and any related unauthorized inquiries have been fully removed from my credit report. 
This is a time sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. 
Thank you for your immediate attention to this issue.
Product: Debt collection

Citibank, the original creditor closed this account in XXXX, XXXX. It was charged off as a bad debt, they sued me in court and a judgement/lien was placed against my home in XXXX XXXX PA XXXX. 

Suddenly, without notice. XXXX opened a new collection account in XXXX, XXXX. 

I was denied a loan in XXXX due to 2 charged off accounts and subsequent judgments - Citibank and XXXX  XXXX XXXX. I wanted the loan to pay off these judgements since my husband was XXXX of XXXX and I would need to remortgage the home in my own name. 

I feel it is illegal to reopen a charged off account - especially if judgments were already placed against my home. Isn't this double indemnity? 

Please consider this as an unfair practice - the debt has already affected my credit and home.
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. I kindly 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 XX/XX/2023 XXXX XX/XX/2023 XXXX  XXXX XX/XX/2023 XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

Midland Credit Management said they are able to report to my consumer report because they mailed me something and it did not come back undeliverable. Congress states I must receive documents from a debt collector via certified mail in order to know that it was received and I acquiesce to the allegations. Midland credit management is in violation of 15 usc 1692 ( c ) b b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. Midland Credit Management never had prior consent given directly to them by me to communicate with anyone other than me regarding this alleged debt.
Product: Debt collection

Syn/Walmart account number XXXX is reporting to XXXX  that I owe  {$1100.00}. The problem is, I spoke to an agent at the bank and he could not give me the date of first delinquency. He mentioned the date the account was charged off as XX/XX/XXXX. According to his / their bank records they are saying the account should fall off the credit reporting agencies like XXXX, XXXX  and XXXX in seven years on XX/XX/XXXX. However, this is not valid if the " date of charge off '' is months or even a year from the very first date I was late and/or missed a payment and never did get caught up. Therefore, this account could fall of my credit report as early as NOW. The bank can not and will not give me the proper information of delinquency, thus reporting this account to XXXX, XXXX and XXXX as incorrect and making this account more damaging becasue it acts newer when trying to receive credit from business.
Product: Credit reporting or other personal consumer reports

In my latest credit report, my previous information is wrongly mentioned and I never stayed there. 

Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX Address ID # XXXX Apartment complex I never stayed there. Please remove this from my credit report.
Product: Checking or savings account

I have money in my account and capital one would not let me withdraw it. They told me if I drove to a capital one cafe that they would be able to increase my limit. I drove all the way there and they could not. I had no way to access cash in my account when I needed it.