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

Dear CFPB, I am writing to file a formal complaint against the credit bureaus ( TRANSUNION, XXXX, XXXX ) regarding their handling of inaccurate information on my credit report, despite multiple attempts on my part to rectify the situation. Additionally, I have reason to believe that my personal information, including my Social Security Number ( SSN ), has been compromised, leading to fraudulent accounts being opened in my name.

Over the past several months, I have diligently attempted to address discrepancies on my credit report with the credit bureaus. Despite my efforts, the incorrect information persists, adversely affecting my creditworthiness and financial standing. Furthermore, upon discovering the fraudulent activity, I promptly filed a Federal Trade Commission ( FTC ) Fraud Affidavit to document the unauthorized use of my personal information.

One specific instance involves an account listed as in collections by the XXXX XXXX XXXX. Upon requesting debt validation, XXXX XXXX has confirmed that they have no record of such an account associated with my name or SSN. This discrepancy clearly indicates fraudulent activity, yet the credit bureaus have failed to take appropriate action to remove the erroneous information from my credit file.

As a consumer protected under the Consumer Financial Protection Act ( CFPA ), I am demanding that the collection item be promptly removed from my credit report. Failure to do so would not only be a violation of my rights as a consumer but would also implicate the credit bureaus in aiding and abetting illegal actions.

I am seeking your assistance in ensuring that the credit bureaus comply with federal regulations and take immediate steps to rectify this situation. I request a thorough investigation into the inaccuracies on my credit report and prompt resolution of any fraudulent accounts opened in my name.

Please find enclosed copies of relevant documentation, including my FTC Fraud Affidavit and correspondence with the XXXX XXXX XXXX. I appreciate your attention to this matter and look forward to a timely resolution.

Thank you for your assistance in this urgent matter.
Product: Mortgage

I just RECIEVED a letter from my mortgage company " CitiMortgage " I RECIEVED the letter on the XXXX of XXXX that on the XXXX of XXXX our mortgage will be sold to XXXX Mortgage a division of XXXX Bank. The letter also states that " if they have n't RECIEVED evidence of current insurance they would be canceling ours effective transfer date '' my concern is XXXX fold. 

1. This type of notification did not provide us the " 15 working days " that is required by law in order for the account holder to sell the " account " 2. Upon receiving the letter it leaves us only 5 working days to contact them, ensure they have the insurance and also ensure that the proper notes are also carried over.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX XXXX XXXX ( XXXX ) fraudulently filed an assignment of mortgage with XXXX XXXX ( XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX  XXXX ). At no time was XXXX the owner or assignee of the Note. XXXX assigned the Note fraudulently, unlawful and or illegally to XXXX XXXX XXXX XXXX ( XXXX XXXX ). 
On or about XX/XX/XXXX XXXX Bank filed a foreclosure action against me. Pursuant to my filing a Motion to Dismiss the foreclosure due to a lack of standing the XXXX Supreme Court dismissed the action on or about XX/XX/XXXX. 
Since XX/XX/XXXX XXXX has been reporting to the Credit bureau that the " account '' is past due and in foreclosure. This is totally incorrect. I have been trying to resolve the issues with XXXX. 
The lender, XXXX was closed by the Office the Comptroller of the Currency on XX/XX/XXXX. 
On or about XX/XX/XXXX a TILA Notice of Rescission was sent to XXXX and also registered with the XXXX XXXX. There were no timely action or any action taken by XXXX to set aside the Rescission. XXXX has failed to act as directed by the Statute 15 U.S. Code 1635. The transaction was not consummated and no disclosures were sent and or received. 
I am seeking your help to have XXXX cease and desist their credit reporting, and to return the voided note and mortgage if they are in their possession. 
A cease and desist letter was sent to XXXX to stop paying Real Estate Taxes and Insurance as they do not have my authority to do so. A cease and desist letter was also sent to XXXX demanding that they cease making credit reporting to the bureaus.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. XXXX XXXX XXXX
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 XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 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 four 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 2 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 : ( 2 ) 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 inquiries listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, IA XXXX ; XXXX XXXX XXXX XXXX XXXX, IA XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$1600.00}.
Product: Debt collection

My name is XXXX XXXX and I am a consumer/ natural woman submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report. I demand that the following accounts listed on attached document be removed immediately. ( Midland Credit Management , Inc ) is using my consumer report with means to harm my consumer reputation as a way to swindle an coerce me into making payments on alleged debt, which is a direct violation of 18 U.S.C 894.
Product: Credit reporting or other personal consumer reports

I am thankful of your time to REMOVED some of the ITEMS in my file that resulted from an alleged identity theft but I have an ITEMS left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$2800.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX =====EQUIFAX : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$2800.00} XXXX XX/XX/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 XXXX : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$2800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

On XXXX/XXXXXX/XX/2015 ( XXXX/XXXX/XX/XX/2015 business day ) I went into a People 's United Bank branch to close out my mother 's estate account. I was clear that the account was being closed and purchased several bank checks, leaving the balance at {$0.00}. 
Over the past month I started getting collection notices from People 's United stating that the account was overdrawn by {$9.00}. When I checked the account activity online I found that the bank had not closed the account as I instructed, although it was brought to a {$0.00} balance. On XXXX/XXXX/XX/XX/2015, a month after I closed the account in person at a branch, People 's United charged a {$10.00} maintenance fee and credited {$0.00} in interest to the account, leaving the balance overdrawn by {$9.00}. 
I contacted People 's United on XXXX/XXXX/XX/XX/2015, and after an extended time on hold finally reached an agent. She told me that there was nothing she could do and that I would have to go to a branch to resolve the situation. I told her that I was not able to do this, and she again stated she could n't resolve the error over the phone. At that point I informed her that I was going to complain to the CFPB about their practices, and she indicated " OK ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Bank has reported a {$500.00} balance to the credit bureaus hitting my credit score every month even though the account has been paid to a zero balance and the account has been terminated since XX/XX/2022. The account has been to a zero balance since XX/XX/2022. Spoke with customer service in XXXX and they stated the switched to a different system and it wont let the bank report to the credit bureau.
Product: Credit card or prepaid card

I am dealing with two promises XXXX is not keeping : CASE 1 ) I 've referred a friend through Text message on XX/XX/XXXX, their system for some reason has missed it and they seem not to accept that it their fault. In other words, they promised rewards if I refer people to XXXX XXXXnd are not paying the rewards they promise to everyone who refers people to XXXX I 've inquired about it in XXXX via XXXX, failed to complete. Then on XX/XX/XXXX I 've filed another inquiry " XXXX '' which did not end yet besides their 6 to 8 weeks promise. CASE 2 ) In XX/XX/XXXX American Express has sent me an offer according to which if I add four authorized users and they spend {$250.00} ( each ) within the first 3 months, I will get {$25.00} statement credit for each 4 cards. All requirements were met within a month and I 've received {$25.00} for only one out of four cards. Ever since then, I 've opened two inquiries/cases : 1. XXXX ( XX/XX/XXXX ) and 2. XXXX ( XX/XX/XXXX ). -Do not delete the case numbers please as I want American Express to be aware of this complaint since they are not connecting me with any Executive Office team to complain. -Both cases were closed without any resolution in my favor. American Express is not even providing the reasoning of their decision or what was it based on. -I 've contacted them so many times that I am sick of even their lies and misleading statements. Almost at all times I 've spoken to them, I 've not gotten the same answer. Everybody has given me a different answer regarding these offers. Conclusion : They have failed to provide what they have promised ; Their offers on both of my cases were definitely misleading and inappropriately handled. The whole experience is taking forever and getting worse and worse every time I talk to them. I will not stop until this reaches any institution that should protect customers from misleading offers, lies and this horrible, irresponsible treatment.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I got an alert on my credit report that a company by the name of SG and Associates added and account under my social security number. Total of {$630.00} this account was open XXXX XXXX. At XXXX XXXX XXXX XXXX in XXXX Arizona. This account is fraudulent because I dont have any idea when this account was open. I contact them this morning at XXXX XXXX and they explain to me what the charges are for.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I applied for a automobile I did not agree with the extensive inquiries made by car lot. 
I was a victim of fraud and I did not agree with the inquiries made on my reports.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I mistakenly missed a payment on my account while I was taking care of an ill parent, I thought I had a handle on all my parents as well as my XXXX parent 's but I missed a payment and it is now showing as 30 days past due and they took the extraordinary step to have it showing on XXXX as not more than 2 months past due. I have struggled for the last 2 decades to repair my credit and this is the only blemish. I have tried multiple times to have HSBC show good faith and assist but they refuse to do so. I have paid off the account but I am not willing at this time to sever my relationship with them.

Please reach out and see if they would be willing to work with me to remove this one issue on my credit. 

Thank you in advance.
Product: Credit card or prepaid card

Dear CFPB I hope you can help this company is stealing funds off of customers Gift Cards -they have paid money to use the names of Visa and Master Card and then they steal the money off of your cards. When You email them -say they -Black-hawk does not understand you, and then they close that email- I have to get my {$240.00} back first and then let the public what Black Hawk is doing. This is urgent and Black hawk plays games when to contact them.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and I am formally disputing the information listed on my credit report. In accordance with 15 U.S.C. 1681B AND 15 U.S.C. 1681c, I did not authorize the reporting or release of my personal information to the companies listed below. This is a violation of my consumer rights to privacy, as they have no legal basis to report anything under my name. Furthermore, there are unauthorized inquiries on my credit report that I did not initiate, which constitutes a case of identity theft. Pursuant to 18 U.S.C. 8. I do not own any debt to these entities, and I demand the immediate deletion of the items and inquiries in question to correct my credit report. 
Please address this matter promptly and confirm the removal of the disputed entities.
Product: Credit reporting or other personal consumer reports

The following inquiries are fraudulent and unauthorized by myself and need to be removed immediately.Iam hereby notifying you that neither on that date or dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, having understood this is a violation of 15 USC 1681 ( B ) ( C ), Both together and separately my consumer and privacy rights are being violated. I would like for you to please remove these items from my consumer report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

[ XXXX ] RE : Revocation of authorization for debits To Whom It May Concern : Please stop taking automatic payments from my bank account for payments to my account with your company. My account number with your company is XXXX. I am writing to inform you that I am revoking authorization for you to debit my account via electronic funds transfer : XXXX- This revocation applies to any and all future debits. 



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

Hello, my name is XXXX XXXX and I am submitting without error or influence from any third party or agency. Please see my attached documentation as it contains my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX acct number XXXX states that I owe {$1200.00} I donn know what this amount is please remove
Product: Credit reporting or other personal consumer reports

Subject : Request for Security Freeze on Credit File I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). I attempted to make this request through your agencys online portal but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner. Below is the information needed to process this request : Full Name : XXXX XXXX XXXX XXXX Current Address : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Date of Birth : XX/XX/ Social Security Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

credit reporting agency XXXX continue to refuse removing invalid items from my credit report even though i many times asked them to do so.
Product: Credit reporting or other personal consumer reports

I do not know the company, have requested information from them, as well as sending a copy to you. This collection account is listed as open on all 3 credit bureaus. An open status indicates that credit is still being issued and constitutes FDCPA violations. FDCPA 15 usc 1692 e2a, falsely reporting legal status of account as open as defined by 15 usc 1681 af. This account must also be removed from all 3 credit bureaus for inaccurate reporting. It is listed on XXXX, and XXXX but not on XXXX. All of this as well as them not being able to provide proof of chain of ownership among other items.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX # XXXX is reporting a balance on an account to my credit that should not be there. I paid this off a while ago and it should not be reporting a balance to my credit and it needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and correct or remove them immediately from my report. 
XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX XXXX XX/XX/XXXX
Product: Prepaid card

On XXXX I was gifted a {$50.00} Amex gift card that could supposedly be used with online or in-store vendors. When attempting to make multiple purchases online, primarily through XXXX, the card was declined each time. In a couple of cases, a processes fee of XXXX XXXX  was charged to the card while the transaction still resulted in a decline ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  When speaking with the customer service representative for Amex, I was assured my card was active and could be used online. Unfortunately, that was not the case and the card continued to be declined. When speaking to their support staff again, they encouraged me to shop at another vendor or to make a purchase in person. The amount for the fees is still gone and I have no resolve for the use of the card.