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

I am writing to formally dispute several unauthorized inquiries that have been made on my credit report. These inquiries were not initiated or authorized by me and have appeared on my credit report without my consent. I request that these inquiries be removed immediately as they are damaging my credit profile. 

XXXX : XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Violations of the Fair Credit Reporting Act ( FCRA ) : Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ), inquiries into a consumers credit report must be authorized by the consumer. These inquiries were made without my authorization, constituting a violation of the FCRA. Additionally, under 15 U.S.C. 1681e ( b ), credit bureaus are required to maintain accurate information on consumers credit reports. The presence of these unauthorized inquiries indicates non-compliance with this provision.

Request for Immediate Action : I request that you conduct an immediate investigation into these unauthorized inquiries and remove them from my credit report. Please provide me with an updated copy of my credit report reflecting these corrections.
Product: Credit reporting or other personal consumer reports

My account with XXXX  and XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX  XXXX {$4400.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$3000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$2400.00} XX/XX/XXXX XXXX XXXX - XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

This is my 23rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX XXXXXXXX XXXX XXXX Balance : {$6500.00} XXXX XXXXXXXX XXXX XXXX Balance : {$2600.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to find inaccurate accounts on my credit report, and I have no clue why they are there. I check my credit report regularly, but this time, discrepancies appeared out of nowhere. I even refreshed my browser, thinking it might be a glitch, but the errors remained. Due to this unexpected issue, I urgently request that the documents I've sent be thoroughly reviewed so I can avoid this stress in the future.
Product: Credit reporting or other personal consumer reports

I have several inquiries on my Equifax report that I do not recognize. The Equifax Breach has caused detrimental effects to my credit and score. 

INQUIRIES : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX I also have a very large fraudulent account on my credit from ( XXXX XXXX The amount is for over {$8000.00} I don't know the exact amount because it's different depending on the report ) I have included a copy of the erroneous report on my credit.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to Transunion for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.
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 XXXX and TransUnion credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$27000.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$51000.00}
Product: Credit reporting or other personal consumer reports

MY ACCOUNT # XXXX Hope everything good I'm just lettin you know Im disputin that debt under the Fair Debt Collection Practices Act This aint me askin for no more proof or paperwork Im just tellin you straight up I dont agree with it If you got ta reach me do it through email only XXXX  to XXXX  XXXX to XXXX XXXX XXXX XXXX Dont try no live calls or voicemails and dont be sendin no mail UPS FedEx none of that its just a hassle Appreciate you understanding
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my deep frustration and concern regarding multiple requests to remove fraudulent items from my credit report, which continue to be reported inaccurately. My name is XXXX XXXX, and I have always taken great care in managing my financial responsibilities. 

Upon reviewing my credit report from Credit Bureaus, I have discovered several instances of fraudulent items that have been reported and continue to negatively impact my creditworthiness. The credit report contains entries for accounts and transactions that are clearly fraudulent in nature. These items have been reported to your agency as fraudulent on multiple occasions, with supporting documentation provided. These inaccuracies have had a significant negative impact on my credit score, making it difficult for me to secure credit and adversely affecting my financial stability. Despite my repeated requests, these fraudulent items persist on my credit report.I have submitted formal requests for the removal of these fraudulent items to Credit Bureaus on multiple occasions, along with all necessary documentation to support my claims. However, I have not received any confirmation that the corrections have been made, and the inaccuracies persist. I understand the gravity of maintaining an accurate credit report, as it is a crucial factor in determining my financial well-being. These fraudulent items not only harm my creditworthiness but also create a sense of insecurity and financial vulnerability. 

I kindly request that Credit Bureaus take immediate action to investigate and permanently remove these fraudulent items from my credit report. Specifically, I request the following : conduct a thorough and expedited investigation into the fraudulent items in question, remove all fraudulent items from my credit report and ensure that they do not reappear in future reports, and provide me with a revised and accurate credit report as soon as possible, reflecting the necessary corrections. 

I have attached copies of my credit report highlighting the fraudulent items, as well as all relevant documentation supporting my claims, for your reference. 

I trust that Credit Bureaus will prioritize the resolution of this matter and take the necessary steps to rectify the inaccuracies promptly. Please keep me informed of the progress of your investigation and any actions taken to resolve these issues. These are the following fraudulent items I want to disposed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$340.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$340.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$340.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX TransUnion XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. TransUnion LLC ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

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

On XXXX XXXX, 2017 I began the purchase of a used car from XXXX XXXX XXXX in XXXX, Hawaii. The purchase price was {$42000.00}. I planned to make a {$25000.00} payment leaving {$17000.00} to be financed. XXXX XXXX contacted XXXX XXXX among others to arrange the financing. We ultimately financed through XXXX XXXX. Subsequent to the purchase I received a letter ( copy  attached ) from XXXX stating they declined to finance the balance owed. They stated as a reason that a company called SageStream only gave me a FICO score of XXXX. That number is not valid My current FICO score from XXXX XXXX XXXX, which uses data directly from XXXX, is XXXX. I have never heard of XXXX as a company dealing in FICO scores and am not sure why anyone would use their service. They can only be contacted via email and require hard copy documentation of an individual 's Social Security number, birth certificate, and driver 's license.I am not about to provide that critical information to a company, which I 've never heard of, just to contact them for resolution. I do not believe XXXX is providing accurate information to potential lenders and they need to be put on notice that damaging someone 's credit or misrepresenting their credit score can have serious consequences. Since I was able to complete my transaction without any adverse consequences, I will not be contacting my attorney. However, if this company ever again misrepresents my credit profile, I will seek legal redress. I think CFPB needs to be aware of this company. They need to be reviewed as to their business practices.
Product: Mortgage

Please note I am seeking the assistance by the CFPB regarding a real estate fraud transaction pertaining to my primary residence. I have attached the deed of trust for each transaction I am contesting. I began to suspect fraud in XXXX after receiving mortgage statements from Bank of America for a loan in the amount of {$150000.00}. 
I never had a reason to believe I owed a mortgage since my property was paid off in XXXX ; here is the recorded document with the County Recorder 's Office of XXXX XXXX : DOC # XXXX However since my own investigation and unsuccessful attempt to have Bank of America assist me with my complaints in XXXX, I began checking the title of my property. I began to pull all the grant deeds with the county recorder 's office and went so far as to track the notary publics to determine who signed on my behalf. I was determined to identify the individual who had cashed out on my home and since than I am seeking the assistance of the District Attorney to validate the following transactions that I did not solicit : DOC # XXXX XXXX {$88000.00} DOC # XXXX XXXX {$90000.00} DOC # XXXX CountryWide {$50000.00} ( home equity line of credit ) DOC # XXXX XXXX XXXX XXXX {$70000.00} ( home equity line of credit ) DOC # XXXX Bank of America ( FHA LOAN ) {$150000.00} I have been making payments on the Bank of America/ FHA loan in fear that I may lose my home regardless if I did not acquire that loan. I just want to get to the bottom of this and fix this fraudulent situation immediately. I apologize if I can not provide specific dates, descriptions of the transactions or individuals since I am declaring the above transactions were completed without my consent or my presence. 
You may reach me at ( XXXX ) XXXX. 
Kindest Regards, XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX XXXX XXXX alerted me on my cell phone that a hard inquiry had been made to XXXX credit Bureau,. I got in touch with XXXX to tell them it was not me and I'd like a freeze put on my credit report. 
Later that same day I found out that XXXX had a data breach in XX/XX/XXXX. I had just switched my cell phone company to XXXX on XX/XX/XXXX,. 
Then again on XX/XX/XXXX I received another alert from XXXX XXXX about another hard inquiry. Both of the inquiries above were from Target/TD which is Target new accounts # XXXX XXXX XXXX. I called XXXX and put a freeze on my credit report @ XX/XX/XXXX. 
On XX/XX/XXXX I received another alert from XXXX XXXX that another hard inquiry from XXXX had been blocked. This is XXXX XXXX XXXX XXXX XXXX XXXX . Someone trying to open a credit card account in my name XXXX XXXX XXXX XXXX I went to the XXXX XXXX Police Dept in the beginning of XXXX XXXX and filed an identity theft report and am waiting to here back from the officer. I also called Target/TD back in XXXX and talked to someone in the fraud Dept about the inquiries,. She asked me a few questions related to the credit inquiries from information on her computer about parts of a phone number and address that the person trying to open an account used and they were not mine but she couldn't give me complete phone numbers or an address. She told me to make a police report
Product: Debt collection

HMC, XXXX XXXX Attorney with HMC and XXXX XXXX XXXX from HMC XXXX treated me very unfailry, XXXX XXXX recorded our converstaion incorrectly with false statements leading up to them issuing a garnishment for my wages.
Product: Debt collection

Enhanced Recovery {$1300.00} Sent letters to the three major bureaus asking to investigate and provide verification of debt per FCRA. XXXX XXXX fail to validate the debt belongs to me. 

Letters sent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I am attaching the paper trail with  Certified mail receipt.
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concerns and frustration regarding the multiple unsuccessful attempts to remove the late closed and charge-off accounts on my credit report. These inaccuracies have persisted, despite previous disputes, and continue to have a detrimental effect on my creditworthiness. I hereby request an immediate and thorough investigation to finally resolve this matter. 

Despite multiple prior attempts to rectify these inaccuracies, they persist on my credit report, negatively affecting my credit score and financial standing. I have provided documentary evidence and information in each previous dispute to support my claims.

I kindly request that you conduct an immediate and thorough investigation into these late closed and charge-off accounts, ensuring that my true financial history is accurately reflected on my credit report. I expect that you will complete this process within the legally mandated timeframe and inform me of the resolution as soon as possible.

In accordance with the Fair Credit Reporting Act, I also request a written explanation of the steps you have taken during your investigation and any changes made to my credit report.

The continued presence of these inaccuracies on my credit report has caused significant distress and has hampered my ability to secure credit, loans, and financial services. It is imperative that these issues are resolved promptly to restore my creditworthiness and financial stability. I am asking for your immediate assistance to remove the following accounts in my credit file : XXXX  XXXX XXXX Balance Owed : {$0.00} - Investigate the way this account is reporting the date of last activity, account name, and opening date. I believe this information may be inaccurate. I need this removed now. 

XXXX XXXX XXXX XXXX Owed : {$2900.00} - XXXX believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it. 

XXXX XXXX XXXX XXXX : {$160.00} - The limit to this account was a fraction of the amount due it was stating. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. 

XXXX XXXX XXXX XXXX : {$560.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.
Product: Mortgage

Figure ( https : //www.figure.com/ ) advertises a home equity line of credit ( HELOC ) product. On XX/XX/2022, I submitted an application to receive a rate quote. However, once I submitted my application, it became apparent that their HELOC product more closely resembled a home equity loan product. 

If lent to, I must take 100 % of the HELOC proceeds at closing. For instance, if my total line was {$100000.00}, I would have been forced to take {$100000.00} at closing. They claim it's an " open line '' because if I make principal payments, I may then borrow up to the initial $ 100k during the " draw '' period. 

I believe this is intentionally deceptive advertising and does not meet the criteria of a HELOC product, where an initial draw is optional. Please investigate and potentially make them reclassify their existing " Figure Line of Credit '' product.
Product: Debt collection

Hello. Since last year I have recieved countless call from Portfolio Recovery, attempting to collect a debt. At first I answered and advised to send me paper mail but the calls continued and now they come from different numbers. Ive blocked them but now get new numbers under the same business name calling
Product: Debt collection

Received a notification XX/XX/21 from the major 3 credit bureaus ( XXXX, XXXX  & XXXX  ) that a debt was owed from collection agency Caine Weiner. There's no contract with this collection agency that shows I owe a debt. Collection agency doesn't have the right to collect if there's no legal binding contract signed by me or any company I represent showing I owe Caine Weiner. This collection agency Caine Weiner also violated Section 623 of Fair Credit Reporting Act.
Product: Debt collection

The Experian credit agency does not want to remove this account from collection and that affects my ability to get credit. The aforementioned account is paid and up to date and they show an incorrect amount and have many inaccuracies which they must correct. The child support department told me that they have not reported that account in collection. which was the clarity cervises agency. I demand that this inaccuracy in my Experian report be corrected
Product: Checking or savings account

I opened up an account via this referral link in XXXX and I never received my savings bonus, in addition, while UFB is allowed to change their variable APY they are not notifying me the consumer which is a predatory practice. I'm in the process of closing my account and I expect my {$100.00} to be paid out as I met the obligations of the savings bonus. 

XXXX XXXX XXXX