23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquiries on my reports that I did not authorize and do not recognize including : TransUnion Report XXXXXXXX XXXX/ Inquiry date XX/XX/XXXX *XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX  / Inquiry date XX/XX/XXXX *XXXX XXXX  / Inquiry date XX/XX/XXXX *XXXX XXXX  / Inquiry date XX/XX/XXXX XXXXXXXX XXXX  / Inquiry date XX/XX/XXXX XXXX XXXX /Inquiry date XX/XX/XXXX XXXX Report XXXX XXXX XXXX  / Inquiry date XX/XX/XXXX XXXXXXXX XXXXXXXX XXXXXXXX / Inquiry date XX/XX/XXXX *XXXX XXXX XXXX/ Inquiry date XX/XX/XXXX XXXX Report XXXX XXXX / Inquiry date XX/XX/XXXX XXXX XXXXa/ Inquiry data XX/XX/XXXX XXXXXXXX XXXX XXXX / Inquiry date XX/XX/XXXX XXXX XXXX XXXX / Inquiry date XX/XX/XXXX *XXXX XXXXt / Inquiry date XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this information as inaccurate account status on 4 separate occasions directly with the XXXX and Equifax credit bureaus. Each time the investigation returned with account status unchanged based on reason that information is verified as accurate. 

Creditor Wisconsin Housing & Economic Development Authority FHA Mortgage {$110000.00} and Conventional Mortgage {$3500.00} The creditor and the credit bureau both incorrectly report these accounts as 1 ) closed and 2 ) discharged in bankruptcy and 3 ) delinquent payment history from XX/XX/XXXX to present. 

In XX/XX/XXXX I obtained an approved federal forebearance on my mortgage loans with WHEDA this forebearance is still in effect until at least XX/XX/XXXX. 

Please remove the inaccuracies from my credit files. The accounts are not closed accounts but are open in deferred payment status. 

Thank you.
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), requesting that TransUnion block the following fraudulent accounts, inquiries, and associated addresses from my consumer credit report. These accounts, inquiries, and addresses are the result of identity theft and fraud.

As mandated by the FCRA, I expect TransUnion to take action within four business days of receiving this complaint. 

The following names have been fraudulently associated with my credit profile and should be removed : XXXX XXXX XXXX XXXX XXXX XXXX I have never resided at nor used the following addresses, and they must be removed from my credit report : XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX, XXXX, IL XXXX The following employers were fraudulently added to my credit report and should be removed : XXXX XXXX XXXX XXXX XXXX I did not authorize the following credit inquiries, which resulted from identity theft. They must be removed from my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following accounts were not opened, made, or initiated by me and must be permanently blocked from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To support my claim, I have attached the following documentation, which has previously resulted in the successful removal of these fraudulent accounts, inquiries, and addresses from other credit bureaus : Illinois State Drivers License Social Security Card FTC Identity Theft Criminal Complaint XXXX XXXX
Product: Debt collection

Hello, I have recently noticed fraudulent activity on my credit reports. What I have found has led me to believe I may be a victim of identity theft, as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notification or alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Product: Mortgage

Our mortgage was sold to a Freedom Mortage company on XXXX, we were notified and we set the drafts as usual, on XX/XX/XXXX the payment was reversed saying that it was an error on code, I contacted the company and they found that their system was taking savings accounts as a checking account, we set a one time payment as they instructed and payment was reversed again on XX/XX/XXXX, we set it again with XXXX  bank confirming all the information and it got reversed again o. XX/XX/XXXX, we change it to checking account and it got reversed again on XX/XX/XXXX we finally got a pyme t and then we had the same issue by XX/XX/XXXX we contacted the mortgage company set all again and payment finally went through, I was expecting a draft on XX/XX/XXXX and that payment got reversed again on XX/XX/XXXX now I just want my mortgage be with another company, this is insane.
Product: Credit reporting or other personal consumer reports

I am disputing multiple inaccurate and unverifiable accounts on my credit report that are negatively impacting my financial standing. Despite my previous disputes with the credit bureaus and the reporting companies, these accounts remain without proper verification. 

The accounts in question are : XXXX XXXX XXXX  XXXX Reported balance of {$XXXX}, which is inaccurate. The company has not provided proper documentation validating this debt. 
XXXX XXXX Reported balance of {$XXXX}, but I have not received proof that this debt is valid. 
XXXX XXXX ( XXXX Bank ) Reported balance of {$XXXX}, which I dispute due to lack of proper validation. 
XXXX XXXX Reported balance of {$XXXX}, still appearing despite my prior disputes. 
XXXX XXXX Reported balance of {$XXXX}, which I believe is incorrect and unverifiable. 
These accounts have been disputed with the credit bureaus, yet they remain on my report without proper verification. Under the Fair Credit Reporting Act ( FCRA ), all reported information must be accurate, fully verifiable, and timely. Since these companies have failed to provide proper validation, I request immediate removal of these items. 

Dates, amounts, and actions taken : XX/XX/XXXX : First dispute filed with the credit bureaus No valid response or documentation received. 
XX/XX/XXXX : Contacted XXXX  XXXX, XXXX XXXX, and XXXX Bank to request verification No proper validation provided. 
XX/XX/XXXX : Followed up with credit bureaus to request investigation No resolution. 
XX/XX/XXXX : Final dispute attempt made with credit bureaus Accounts still not properly verified. 
Total disputed amount : {$XXXX} I am requesting the CFPB to review this matter and ensure that these inaccurate accounts are removed from my credit report in compliance with the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit reporting act Bank of America account # XXXX and XXXX XXXX Bank account # XXXX, have violated my rights. 

15 USC 1681 Section 602 state I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Experian, XXXX, and XXXX for all delinquency and derogatory accounts. However its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. Due to the negative items on my credit report it has XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or in directly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine wether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice from the consumer or reseller.
Product: Credit reporting or other personal consumer reports

I have been trying to dispute XXXX  and/or invalid items listed on XXXX XXXX report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached XXXX  and XXXX  for referenced issues from above.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Checking or savings account

My Bank of America debit card was stolen in the mail, activated by someone other than myself, and used to withdraw {$1000.00} and accumulate an additional {$8.00} in ATM fees over the course of two days ( XXXX XXXX and XXXX ).
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This was my initial card received and Bank Of America has done nothing to help this fraudulent activity. During the appeal process I asked that Bank of America not send any more personal information to my address, they agreed but then proceeded to mail the information rather than email as I requested. Bank Of America has been completely unhelpful in the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDITOR : XXXX XXXX XXXX ACCOUNT # : XXXX AMOUNT : {$83.00} CREDITOR : XXXX XXXX XXXX ACCOUNT # : XXXX AMOUNT : {$2300.00} CREDITOR : XXXX XXXX XXXX ACCOUNT # : XXXX AMOUNT : {$2300.00} CREDITOR : XXXX XXXX XXXX XXXX # : XXXX AMOUNT : {$400.00} CREDITOR : XXXX XXXX XXXX # : XXXX AMOUNT : {$2200.00} XXXX XXXX  # : XXXX Amount : {$2200.00} CREDITOR : XXXX XXXX XXXX  # : XXXX AMOUNT : {$420.00} CREDITOR : XXXX XXXX XXXX # : XXXX AMOUNT : {$2000.00}
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 XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXXXXXX XXXX , Account name : XXXX XXXX XXXX XXXX Account name : XXXX, Account name : XXXX XXXX XXXX bank XXXX Account name : XXXX XXXX XXXXXXXX XXXX Account name : has violated my rights. 
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: Credit reporting or other personal consumer reports

I do not recognize these credit inquiries, and I have asked for them to be removed, and the Bureaus did not do as I asked. I am providing an identity theft report, and I am requesting them to be removed because they are inaccurate and are not mines.
Product: Credit reporting or other personal consumer reports

Under federal law, you have XXXX ( XXXX ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within XXXX  ( XXXX ) days of the completion of your investigation. Under federal law, you have XXXX ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within XXXX XXXX  XXXX ) days of the completion of your re investigation.
Product: Mortgage

I am writing once again to express my ongoing frustration and dissatisfaction with the processing of my hardship requests by PNC Mortgage. Despite my previous complaint and efforts to resolve this matter through provided channels, it appears that the same issues persist, undermining my trust in your processes. 

I submitted an initial hardship request due to a leave of absence lasting six months. Contrary to my expectations of a comprehensive solution, I was only offered temporary relief for two months. This partial response failed to address the full duration of my hardship, prompting my subsequent complaint.

Following the partial resolution, I was advised to resubmit the same request. I complied, clearly stating my hardship would extend through XXXX. Yet, I received another inadequate response that only covered me until XXXX. This repetitive cycle of resubmissions without full consideration of my stated needs is not only exhausting but also inefficient and unacceptable.
Product: Credit reporting or other personal consumer reports

This was not sent in error, and not a material misrepresentation PROCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following inquiries. Block and remove them.
Product: Credit card or prepaid card

NUMEROUS TIMES I HAVE SUBMITTED PROOF THAT I HAVE BEEN A VICTIM OF AN IDENTITY THEFT, SOMEONE STOLE MY INFORMATION AND MADE FRAUDULENT CHARGES ON MY CREDIT CARD. I HAVE REACHED OUT TO DISCOVER THAT THE CHARGES ARE FRAUDULENT,
Product: Debt collection

I am continuously receiving calls from a debt collect after setting up a payment plan. When I answer the phone call no one says anything and hangs up. This debt is owed to a company thats out of business. Theres valid proof that I owe this debt. I am paying because none of the agents would assist me. I get three phone calls a day with no introduction of who this caller is.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently spoke with Chase and Settled an account where it was stated the account will be reported as a XXXX balance and settled for full or lesser than the full balance. However that has not occurred yet and Chase actually simply reported the Settled payment amount and removed it from the total balance. The account has not been changed to {$0.00} and has not been reported as settled for equal or lesser than the full balance. I also have not received the letter stating this however this was discussed on a recorded call as chase stated the call was being recorded. I dont understand why the payment was reported to the credit bureaus instead of the account just changing to {$0.00} and settled as it was stated on the phone. Additionally,
Product: Debt collection

This letter is in response a letter dated XX/XX/2018 from XXXX XXXX XXXX XXXX XXXX claiming I owe them {$100.00}. 

The company failed to provide me with any evidence that I have a legally binding contractual obligation to pay XXXX XXXX XXXX XXXX XXXX this amount.
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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Personal information : Wrong name Variations XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. The only correct name is XXXX XXXX XXXX. 
Other incorrect personal information are wrong phone numbers ; ( XXXX ) XXXX, ( XXXX ) XXXX. Other wrong personal information are addresses ; XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX  XXXX, FL XXXX, XXXX XXXX XXXX XXXX  XXXX, FL XXXX, XXXX XXXX XXXX XXXX, MA XXXX. My only correct address is XXXX Kings XXXX XXXX XXXX, FL XXXX. 

the following accounts are also fraudulent and need to be removed off my credit reports ; XXXX  XXXX XXXX XXXX XXXX ( {$550.00} ), XXXX XXXX  XXXX XXXX XXXX ( {$2800.00} ), XXXX XXXX XXXX XXXXXXXX ( {$260.00} ), XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX ( {$1300.00} ), XXXX XXXX XXXX- XXXX XXXX ( {$750.00} ), XXXX XXXX XXXX XXXX  XXXX XXXX {$820.00} ), XXXX XXXX XXXX ( {$2700.00} ), XXXX # XXXX ( {$12000.00} ), XXXX XXXX XXXX XXXX XXXX {$600.00} ), XXXX XXXX XXXX XXXXXXXX XXXX {$460.00} ), XXXX XXXX XXXX XXXX XXXX XXXX {$720.00} XXXX, XXXX & XXXX # XXXX ( {$700.00} XXXX XXXX XXXX XXXX XXXX XXXX ( {$5900.00} ), XXXX XXXX XXXX  XXXX ( {$2700.00} ), XXXX XXXX XXXX  XXXX ( {$1700.00} XXXX, XXXX XXXX XXXX XXXX ( {$970.00} ), XXXX XXXX XXXX XXXX # XXXX ( {$140.00} ), XXXX XXXX # XXXX ( {$5600.00} ), XXXXXXXX XXXX XXXX XXXX ( {$780.00} ), XXXX XXXX XXXX XXXX XXXX ( {$2800.00} ), XXXX XXXX XXXX XXXX XXXX XXXX ( {$820.00} ), XXXX XXXX XXXX XXXX ( {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX ( {$8000.00} ), XXXX XXXX # XXXX ( {$970.00} ), XXXX XXXX XXXXXXXX XXXX XXXX ( {$2400.00} ), XXXX XXXX XXXX XXXX XXXXXXXX ( {$10000.00} ), XXXX XXXX XXXX XXXX XXXXXXXX ( {$10000.00} ), XXXX XXXX XXXX XXXX  XXXX ( {$600.00} ), XXXX XXXX XXXX XXXX XXXX ( {$120.00} ), XXXX XXXX XXXX ( {$370.00} ), XXXX XXXX XXXX ( {$970.00} ), XXXX XXXX XXXX ( {$1700.00} ), XXXX # XXXX ( {$8000.00} XXXX, XXXX XXXX XXXX ( {$10000.00} ), XXXX XXXX XXXX ( {$600.00} ), XXXX XXXX XXXXXXXX ( {$120.00} 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: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a compliant concerning XXXX XXXX XXXX and their predatory transaction processing. The previous complaint has not been resolved and I would like to submit this complaint again. XXXX is staying and reporting on our credit report that our account is behind and it is not. I am attaching supporting documentation that shows that on our XXXX Statement, XXXX processed 2 payments. One on XX/XX/XXXX and one on XX/XX/XXXX. The XXXX first payment was not authorized. I contacted XXXX to request that this payment be returned because I did not authorize it and when they would not authorize it, I contacted my bank and my bank reversed this transaction on XX/XX/XXXX. XXXX is stating that this reversal is actually a return of our XX/XX/XXXX payment and this is not true. Our XX/XX/XXXX payment cleared our account and the payment was more than required because we paid extra due to having extra funds because of our stimulus payment. As you can see in the two months prior statements our account is current there is nothing owing on our account but XXXX refuses to correct their error. Since our bank has already reversed the XXXX payment that was process in error we do not need the payment returned. We would like account corrected to the amount after our XX/XX/XXXX payment. We have also made a payment on XX/XX/XXXX for XXXX. And our account is still showing past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account is not reporting valid and accurate information if an account is closed how could it be past due this is negative reporting to the credit bureau and negative affect my scores this action violates FCRA 15 U.S.C Sec 1681i ( a ) and I demand the account to be deleted from credit report you can not report a past due balance that you have charged off this information is incomplete and inaccurate I have never signed a one month contract with National Credit system this information is also false and violates my rights for improper use of my credit report this action violates FCRA 15 U.S.C Sec 1681i ( a ) and I demand the account to be deleted from credit report you can not report a past due balance that you have charged off this information is incomplete and inaccurate 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 
XXXX
Product: Credit reporting or other personal consumer reports

I sent a letter to three bureaus to remove items that are 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 any accounts or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX Balance : {$0.00} JXX/XX/XXXX( Original Creditor : XXXXXX/XX/XXXX ) XXXX Balance : {$380.00} XX/XX/XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XX/XX/