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

There is information on my consumer report that is a result of identity theft. i did not provide written permission for the identied transaction to be reported on my consumer report. i am demanding that the information be locked and deleted. my request to block is not being made in error, nor is my request to block the identied transactions as information related to any transaction by me XXXX XXXX, XXXX XXXX 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 reporting or other personal consumer reports

I am writing to dispute the inclusion of Delinquent Child Support Payments. According to the recent notice from your XXXX, XXXX XXXX rulings have determined that Delinquent Child Support Payments, Judgements, Liens Fines do not arise from a credit transaction and should not be reported on credit reports. 

I request that you promptly review my credit report and remove XXXX XXXX XXXX XXXX. I have enclosed supporting documents supporting the inaccuracy of these entries as they are being reported as missed payments although it is actually back pay from when we did not have a proper order in place. This has adversely effected my credit report and should not be included as it was not authorized or agreed upon to be included into my consumer report and it is also not deemed a credit transaction and therefor void of being included. 

Please comply with the new interpretation of the law and ensure the timely correction of this error. Kindly provide written confirmation of the removal of the XXXX XXXX XXXX XXXX from my credit report. 

Thank you for your immediate attention to this matter. I expect a swift resolution. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I had a fraud issue where someone stole my information and gained access to my account. This all happened XX/XX/XXXX as soon as I noticed my information was missing I called Bank Of America when I called the rep stated the best thing would be to have the account frozen and open another checking I said ok. I fast forward to XX/XX/XXXX my account was locked I could not log into my online banking I call and was told my account is being closed and I would receive a cashiers check I asked questions reps were rude reading scripts about the account being closed not one rep over the phone could answer my questions or help me. I then decided to go to a Bank Of America Branch which is located at XXXX XXXX XXXX XXXX, CT XXXX I figured it would be better for me to go to a branch in person so my identity could be confirmed. I spoke with a banker at the branch briefly the banker did not take my information or run my information the banker did not even ask me my name. I left for a second I came back because I needed to speak with a banker about my situation the same instance happened I spoke briefly with a banker for the second time still the banker did not ask for my name nor run my information which is negligence because I've never banked at the XXXX XXXX branch they do not know who I am. I went to the branch because it is the closest branch to where I live I usually go to the branch that is a town over from me. After leaving I called the risk and closure department and asked if I could pick up the cashier 's check in person I was told no it has to be mailed and it would take 10 days. The issue I have with this is when mailing a check the check can be mailed to the wrong person or to a person pretending to be someone I personally feel it would make better sense to make the account holder come to the branch with their ID and social to verify their identity and then issue the check once identity has been confirmed in person. I contacted the risk and closure department today XX/XX/XXXX I was told my account would be closed on XX/XX/XXXX this is a big problem I face eviction from non-payment of rent I take care of my Aunt that is XXXX and on XXXX  my Aunt can not stay in a shelter and we do not have family here in this state that we could stay with not to also mention it is holiday time and I literally have no money because BANK OF AMERICA HAS IT ALL. If Bank of America needs proof of where my money came from I can provide proof Ive received my money from employment, unemployment, student loans, and personal loans I'm willing to provide this information if it helps. A month from now is unacceptable please please please help get this resolved sooner.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report it states I was living at a property before I was born. It has the dates I lived at this property wrong and have also attached a person I have know knowledge of an attached this time to the address I have previously lived at but at the wrong date as I previously stated 3 years before I was born.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX
Product: Debt collection

on XX/XX/2023 I sent out letters regarding inaccurate and unknown things on my credit reports to XXXX, XXXX, and XXXX. On XX/XX/2023 I sent a certified letter to Portfolio Recovery Associates and XXXX with no response from XXXX, I feel like I'm being taken advantage of and my disputes are being ignored. Section 611 ( a ), plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 30 days which means it needs to be deleted promptly. I demand these accounts to be removed immediately or I will file for litigation due to the stress this has caused me. My information has also been impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting

I try to look at my credit report online, the system will not let me see my credit report but will let another credit company that i pay to have to see my report, when i go to look at it, the require all this information to send to them like my picture id and socail security number and a copy of my phone bill, they will not let me dispute my information, I have sent them copys of all my information certified mail, still will not let me dispute or look at my credit report, I have to pay another company for them to pull it, give it to them but not me ... Thats crazy, Experian is the only one that iam having a bad time with.
Product: Student loan

In XXXX of this year, two loans appeared on my account that I finished paying off in XXXX of this year. The have some balance and interest that makes no sesnse. I have statements, payment hisotry and letters to show I paid it off but after I sent all this information even though they had it they told me to call instead. You can see two letters show XXXX and XXXX were paid off in full, as well as payment history and statements showing they were paid off.
Product: Credit reporting or other personal consumer reports

Identity Theft! There are accounts in my credit report that are not mine. I do not have a record of doing business with these companies. Attached you will also find my ID, and Proof of Address with my most recent bill. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Don't close this complaint with a reason that I need to prove my identity. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Credit reporting, credit repair services, or other personal consumer reports

My accounts have been hacked so I put a lock at the credit rating agencies. I lost my password for Experian. They told me for {$20.00} overnight me the information to unlock my account I asked them to do it. The next day in the mail was a credit report and they build my account about {$40.00}. And I called back the next day they told me I had to pay another {$20.00} to get the information I had already paid {$40.00} forBut was told would only cost about XXXX. So I had them do it again. I then had to spend about 100 hours on the phone filling out multiple forms multiple times being told multiple things from multiple people much of it conflicting. I have filed multiple complaints with the consumer financial protection bureau regarding XXXX and Experian has responded every time but they have never answered my question. My question always was why did they make meSpend about 100 hours on the phone to get my XXXX bucks back? They responded to my complaint three or four times but they have never answered my question. I think XXXX XXXX works for them because theyve always dance around my question
Product: Debt collection

Im a 100 % service connected vet. They are preventing me from owning a house with their lose tactics. The original amounts was {$1000.00}, theyre are trying to get me to pay {$2200.00}. I can solve this problem with ease, but Im XXXX XXXX XXXX XXXX XXXX XXXX. So this is me trying not to. But I dont see no movement, Ill assume you gave me the green can to. On XX/XX/2021 I sent a letter of validation to LVNV Funding to verify and or remove the debt, they responded by raising it. This tactics should not be allow, they have no legal claim to collect the debt, please help me or or Ill use all my military experience to go there and make this evil stop myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Experian is reporting a Bankruptcy on my credit report and they have put in the data furnisher as being the U.S. Bankruptcy Court XXXX XXXX of Ohio which is false. I have attached a letter from the U. S. Bankruptcy Court Of Ohio verifying and stating that they do no furnish information over to the Credit Bureaus or any credit Monitoring Services nor do they verify, validate any information concerning Bankruptcy. XXXX, XXXX and Experian is falsely stating this information and yet to remove this from my credit report.
Product: Money transfer, virtual currency, or money service

Date : XX/XX/2020. XXXX XXXX fake account opened by " XXXX XXXX  '' sold a fake dog collar for {$380.00} paid through paypal. When brought to XXXX 's attention, they refuse to look into the fraudulent activity. They also refuse to honor the buyer protection policy. 

Date : XX/XX/XXXX PayPal was notified about the fraudulent transaction and refused to look into the claim. PayPal drafted the {$380.00} out of the XXXX XXXX  account. XXXX XXXX put a stop payment on the transaction. PayPal then on XX/XX/XXXX drafted the {$380.00} out of my XXXX card even though they were notified this was a fraudulent transaction. This transaction should never have gotten that far once a fraud claim was made. PayPal is  also not honoring their buyer protection policy. 

XXXX and PayPal refused to honor their buyer protection policies and refused to look into Fraudulent activity.
Product: Credit reporting or other personal consumer reports

In XXXX, I filed a CFPB Case : XXXX against XXXX XXXX in reference to an unauthorized inquiry. XXXX responded in a letter that the hard inquiry will be removed. The inquiry has yet to be removed. I've contacted XXXX XXXX over the phone and didn't get resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a mortgage with Nation Star Mortgage. It was put in foreclosure. The home sold and was paid off in XXXX of 2015. The two credit bureaus that listed this item ( XXXX and XXXX XXXX ) listed the historical delinquency at 120 days late in months leading up to this sale. They properly lined out the months of XX/XX/XXXX and XX/XX/XXXX AFTER the item was paid. But they then listed a 120 day in XX/XX/2015 ... TWO MONTHS AFTER PAYMENT. 

I disputed this with the bureaus and it remains on both of them. I have attached two pages of my credit file. One showing the Nation Star item and the second page which continues with their historical listing.
Product: Mortgage

I had an application for a mortgage with XXXX XXXX XXXX XXXX and I was looking at better terms and interest rates and before I put in an application with discover Bank I specifically asked them if there was a revocable trust on the property whether that would affect the loan and they said no. 

I later get a letter denying the mortgage. The effect of making my application decreased my credit score although it is and has been consistently excellent. 

Today I got an inane letter saying Discover was complying with the law by giving me the reason. 

Reason one says our credit decision was based in whole and in part on information obtained in the report from consumer reporting agency listed below. They list no credit reporting agency so to paraphrase the are saying " somebody somewhere influenced their decision. 

Second point it says the decision was based on other unnamed sources or an affiliate.

My complaint is that Discovery Bank should have made the credit report that they based the denial of my loan and name the affiliate or the outside source which influence their decision so that I can approach them to find out what their problem was. 

Please note XXXX XXXX XXXX XXXX had no problem processing my loan at a little bit higher percent so they could not have been a major credit report or affiliate or associate that cause XXXX XXXX XXXX XXXX to deny my mortgage In reviewing the reviews for discover Bank this is apparently a common practice that they cancel mortgage applications for no apparent reasons.
Product: Credit reporting, credit repair services, or other personal consumer reports

After looking over my most recent credit report, I notice an account listed that causes concern because I am unaware of this account and question its validity. I am requesting and complete and accurate verification and of this account as stated Under the Fair Credit Reporting Act, section Section 611 ( a ) ( 5 ) ( A ) ( i ). Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that the Credit Bureaus disclose to me all of the documents that they have recorded and retained in their file at the time of this request concerning the accounts that they are reporting in my credit report. 15 U.S.C 1681 Section 602A states that I have a right to privacy.

15 U.S.C 1681 Section 602A Section 2 states a consumer reporting agency can not furnish an account without my written consent. 

Delete this account immediately, or they will have violated my federally protected rights and can held liable for {$1000.00} per violation. 

The account is XXXX XXXX XXXX
Product: Mortgage

Late fees from XX/XX/XXXX have been assessed to my account and Statebridge is unable to tell me what the fees are from. Statebridge took over servicing my loan, without my knowledge, and the servicer-XXXX XXXX- I used when buying my house states that the loan was " bought out. '' On XX/XX/XXXX I called and asked Statebridge for explanation and they were not able to explain it clearly ; telling me I would have to contact the loan company-XXXX XXXX-because the fees are originating from when the loan was serviced by them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed a verbal and written dispute of remaining balance on file which was minute in the amount of {$230.00} company advised they were not attempting to collect on this amount as it was documented to be disputed with no payment due on the amount until resolved Then 13 days later they start calling seeking payment we go through it all over again this is during the Covid pandemic the rep transfers me to two different supervisors advised account was enrolled as additional precaution while being investigated into covid assistance in which the minimum payment was reset to {$0.00} due for two consecutive billing periods I also paid the account in full on XXXX XX/XX/2020 they still pursued those charges despite the ongoing dispute despite the covid clearly documented on file and confirmed several times then they reported adversely to CRAs for XXXX and XX/XX/2020 For months it was showing past due months after it was paid causing irreparable financial harm Ive been a customer for years never once 30 days late not both the balance and minimum were the lowest in years and they refuse to take ownership of their violated agreements on multiple
Product: Credit reporting or other personal consumer reports

XXXX  account # XXXX is in violation of 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 an account without my written instructions. 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt- The Fair Credit Reporting act, Section 609 ( a ) ( 1 ) ( A ) states that I am entitled to the source of this information which is the original contract with my signature on it. If you are unable to verify the account with the original contract the information should be removed from my credit profile and credit report within 30 days
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed XXXX hard inquiries that do not belong to me. I contacted all three credit bureaus and put an investigation, which resolved nothing. 

The hard inquiries in question are : 1- XXXX 2- XXXX I also tried to get it removed by contacting the actual companies who did this inquiries and was told to dispute it with my credit reporting bureaus.
Product: Debt collection

I received a copy of my credit report and found inaccurate accounts.
Product: Credit reporting or other personal consumer reports

I am writing to formally express my concern regarding the responses I received after sending out XXXX letters to various credit companies. Instead of providing substantive responses or taking appropriate actions, these companies have merely sent stall letters, delaying the resolution of my requests. 

I expect these companies to comply with the Fair Credit Reporting Act ( FCRA ) and provide timely and meaningful responses to my inquiries. The stall tactics are both frustrating and unacceptable, and I request immediate action to address this issue. 

Thank you for your attention to this matter. I look forward to a prompt resolution. 

Here are the violations under the **Fair Credit Reporting Act ( FCRA ) ** : 1. **Failure to Investigate** : Violates Section 1681s-2 ( a ) ( 8 ) ( E ) Credit furnishers must investigate disputes.

2. **Failure to Correct or Remove Inaccurate Information** : Violates Section 1681s-2 ( b ) Furnishers must correct or delete inaccurate information after an investigation.

3. **Failure to Respond Within 30 Days** : Violates Section 1681i ( a ) ( 1 ) Furnishers must respond to disputes within 30 days. 

Sending stall letters without conducting an investigation or providing a resolution breaches these FCRA requirements. 

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

This is my NUMEROUS 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 XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$4000.00} ; XXXX XXXX XXXXXXXX XXXX Date opened : XX/XX/XXXX Balance : {$520.00} ; XXXXXXXX XXXX  XXXX Original creditor : XXXXXXXX XXXX XXXXXXXX Balance : {$530.00} ; XXXX XXXX XXXX Opened : XXXX XXXX, XXXX Balance : {$710.00} ; XXXX XXXX  ( Original Creditor Name : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX Balance : {$500.00} ; XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX  Inquiry XXXX XXXX XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

I'm reviewing my credit report and there is an inquiry that is not mine. XXXX XXXX  XX/XX/2024
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18 I inquired about information relating to the home buying process. I provided my name, email, and telephone number to Quicken Loans. At XXXX on XX/XX/18 I received a call from XXXX XXXX associated with Quicken Loans on a recorded line. 

I was asked if I wanted to give permission to do a hard inquiry on my credit report and I replied that I did not give permission for that, and I am not interested in continuing the process as I was just looking for information. 

On XX/XX/18 a hard inquiry was added to my credit report by XXXX. On XX/XX/18 I contacted XXXX XXXX with Quicken Loans via email at XXXX stating I would be filing a complaint due to a hard inquiry done without permission and my specific instructions not to do so. I received no response. I am awaiting a response from Quicken Loans.
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of certain accounts and inquiries on my credit report, as I have been a victim of a data breach. Under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 U.S.C. 1681c-2 ( a ), I request that the following accounts and inquiries be removed from my credit report : Unauthorized Accounts : XXXX. XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6400.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3800.00} XXXX. XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$260.00}
Product: Credit reporting or other personal consumer reports

Good day. Recently, I saw " hard inquiries '' that I did not fulfill. I ask you to remove them