23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I returned items via a prepaid label from Macys on XXXX XXXX 2015 through XXXX. I tracked the tracking number and it was received by Macys warehouse and signed by XXXX on XXXX XXXX 2015. No credit was applied to my account the following statement, I called and after being on the phone XXXX hour and being disconnected they said it would be on my next months statement. I received this months and there still is no credit of XXXX. I called again once again I was hung up on in the transfer process, their account specialist said that the warehouse could not process the return and she did locate the items and she would forward it to their credit department. When I asked when the credit would appear she said she did not know she was not in that department.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute of this information to Navy Federal and received a letter stating that it would be removed and honored. I get an alert from CFPB stating my investigation was done and not honored. So someone is sending out conflicting information and I would like this reinvestigated and removed IMMEDIATELY. I will not honor 30-60 days anymore. I will take legal action.
Product: Credit reporting or other personal consumer reports

There are several inquiries on my credit report that I did not authorize. I did not authorize XXXX XXXX XXXX, nor XXXX XXXX  to run my credit. XXXX and XXXX inquired on XXXX XXXX XXXX XXXX  inquired on XX/XX/XXXX and XXXX XXXX inquired several different times, some back to back ; XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and XX/XX/XXXX, per my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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

I am a victim of Identity Theft. I am requesting that companies remove and block these fraudulent accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am re-submitting my CFPB Complaint to express my extreme dissatisfaction and outrage at the fraudulent items listed on my credit report. It is unacceptable that several items, which I did not open or have any knowledge of, are present, indicating identity theft. The fraudulent account details, including [ list details ], violate my rights and have severely impacted my financial standing. I demand that you investigate and remove these items from my credit report without delay. Please remove the following items from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX, XXXX, XXXX. As a consumer, I have the right to dispute any inaccurate information on my credit report, and under the Fair Credit Reporting Act, it is your legal obligation to conduct a prompt and thorough investigation. Please provide me with a written response detailing the results of your investigation and the actions you have taken to rectify this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing in regards to the following accounts listed on my credit report : XXXX BANK XXXX Collection Account XXXXBANK/XXXX XXXXXXXX Charge Off Account XXXX CARD XXXX Charge Off Account XXXX & XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXXXXXX XXXX Charge Off Account I am disputing the accuracy of these accounts on my credit report. I believe that they contain errors and inaccuracies that are negatively impacting my credit score. 

I am requesting that you investigate these accounts and correct any errors that you find. As a consumer, I have the right to an accurate credit report and I expect that my credit report will be free from any errors or inaccuracies. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am also requesting that you provide me with written confirmation of the results of your investigation within 30 days. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Bank account or service

I have asked Shellpoint to forward my Mortgage note four times to XXXX XXXX and they have lied all four times. They impleading my refinancing to lower interest loan. I have three way calling recorded of their lies. And because of their using this by standing in the way stalling I could lose the refinancing to lower payments. Its not fair.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX Attn : XXXX Subject : Dispute of Civil Liability Claim for Negligence and Noncompliance to XXXX ( Dispute : XXXX ) To Whom It May Concern, I am writing to formally dispute the civil liability claim referenced as dispute : XXXX that has been attributed to me for negligence and noncompliance with the XXXX. After thoroughly reviewing the case, I believe that the claim is without merit, and I respectfully request a reevaluation of the circumstances. 

Specifically, the following points highlight the reasons for my dispute : Noncompliance to XXXX : I have consistently complied with the applicable XXXX standards and requirements to the best of my ability. [ Provide specific examples or details that demonstrate your compliance with the XXXX guidelines. Mention any documentation or evidence you have to support your case. ] Negligence : I deny any allegations of negligence as they pertain to this case. [ Explain why the actions taken were not negligent, and provide any supporting evidence or context that demonstrates your due diligence in the situation. ] Relevant Mitigating Factors : [ If applicable, mention any external factors, mitigating circumstances, or misunderstandings that XXXX have contributed to the situation, such as unforeseen events, errors by third parties, or unclear communication. ] Request for Documentation/Clarification : I kindly request a complete review of the evidence and documents supporting the claim against me. In particular, I would appreciate receiving any specific documentation that outlines how my actions or omissions are considered noncompliant with XXXX  standards. 

Given the above points, I believe that the civil liability claim for negligence and noncompliance should be reconsidered and subsequently dismissed. I trust that a fair and thorough review of the facts will clarify this matter. 

Please acknowledge receipt of this letter and provide a timeline for the review process. I am willing to discuss this further and provide any additional information or clarification as needed. 

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

Sincerely, XXXX XXXX
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX IN XXXX XXXX. XXXX SSN # XXXX ...... I am a victim of identity theft two accounts listed below I do not recognize or authorized nor give consent for these accounts to be open these are fraud and they do not belong to me this cfpb complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, TransUnion credit reported agency block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. This fraudulent inaccurate and false information consist of a personal credit card account open at XXXX XXXX, on XXXX under the account number # XXXX with the balance of {$1000.00} ...... XXXX XXXX, date open XXXX under the account number # XXXX with the balance of {$3800.00} .... These two credit card accounts do not belong to me XXXX XXXX and discovery which are strong up above. These account have resulted in several fraudulent hard inquiries and fraudulent collections reporting on my consumer XXXX credit report. I've attached a list of the XXXX  inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries of appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the fraud. I have attached a copy of the FTC identity theft criminal complaint number # as proof of the US Federal trade commission that all of the aforementioned consumer credit accounts collections and hard inquiries are the result of identity theft and fraud. I demand deletion immediately and be removed from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

LOOKED AT MY CREDIT REPORT AND NOTICE INFORMATION WAS LISTING ME LIVING IN XXXX, TN AND ACCOUNTS OPEN AS WELL MY INFORMATION MUST BE APART OF A DATA BREACH CAUSE I LIVE IN XXXX, XXXX XXXX ACCOUNTS DO NOT BELONG TO ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

Traded leased vehicle on XXXX vehicle. Dealer sent check to Chrysler Capital to purchase leased vehicle. Chrysler Capital lost 1st check. Dealer sent 2nd check in XXXX and Chrysler Capital posted check to XXXX vehicle instead of XXXX leased vehicle. In XXXX I received another late notice and contacted Chrysler Capital. Assured me everything was cleared up. Received another late notice XXXX and contacted Chrysler where after much investigation on their part found the check applied to wrong account. By then I was reported to Credit Bureau as 90 days late in payments which in fact I had not owned vehicle since XXXX! XXXX told me they couldn't change credit reporting until XXXX at the earliest, in the meantime my credit rating had dropped terribly. XXXX stated I was still liable for vehicle inspite of the fact I had traded vehicle in on new vehicle! I have filed dispute with the other 2 credit reporting agencies.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the unfreezing of my credit report. I recently placed a security freeze on my credit file, and I now require it to be lifted to proceed with financial transactions. Specifically, I am in the process of applying for an auto loan, and the lender needs access to my credit report to assess my eligibility and finalize the loan approval.
Product: Credit card

Starting in late XXXX, someone used my Citi XXXX and made a lot of purchases. I was not alerted to these charges. When I got the statement I informed them. I tried to go through the charges on the phone that were not valid, but the agent was speaking very fast and had a strong accent. When I got a written statement, I circled all the charges that were valid and paid for them. 

There was one charge for {$54.00} dollars that remained. I did not make that purchase. On the statement it did not say what it was for, but after innumerous phone calls, finally an agent told me it was for a video game. I do not play video games. I am XXXX and barely know how to use my XXXX yr old laptop and phone! 

Citi has had 4 months to investigate this charge, and last week they told me to pay this, plus late fees and interest and if the dispute results in my favor they will reimburse me. I already closed my account. At the time of the first call, they cancelled my card and sent me another. I stopped using Citi completely, but charges continued on my new number. I called to report it. They cancelled that card, and sent me another, which I did not activate. Even without being activated, someone was charging using my number. Those charges were thankfully rejected, because they were made every day, in the same amount to the same place. Something very wrong is going on with Citi XXXX and I want this dispute resolved and my clean. I have a near perfect credit score, now Citi is trying to tarnish charging me for something I didn't buy. I appreciate your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed several letters to collection agent and credit bureaus asking to validated and no response. I requested deletions due to no validation or response after 30 days has pass but b there still reporting.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XX/XX/year>
Product: Debt collection

Me and my spouse live in a community property state where we both equally own our house. Also our house is an exempt property per our state statute. Carrington Mortgage Services is the mortgage lender for our property ( Carrington Mortgage Services, LLC   XXXX   XXXX   XXXX  ,  XXXX , IN  XXXX , Phone #  XXXX  ).
After we missed few mortgage payments, my spouse herself filed Chapter   XXXX    Bankruptcy and all the lenders, including Carrington Mortgage Services, were notified by the court.
Pursuant to Chapter   XXXX    Bankruptcy law, should automatically stay all the collection activities by the lenders.
Carrington was fully aware of the stay, but nevertheless, sent a letter of pending acquisition to us few days after filing.
When I called Carrington, the agent lied to me and told me that unless and until I file Chapter  XXXX  Bankruptcy, the foreclosure procedure wo n't stop, since the mortgage is under my name alone.
I explained her that since my spouse is the co-owner of the house, the whole house is considered to be Bankruptcy estate since she filed Chapter   XXXX   Bankruptcy and unless and until Carrington file a motion to lift stay in the Bankruptcy Court and get the motion approved, they can not do that.
The agent on the phone completely ignored what I said and threatened me that if I want to keep my house I need to pay immediately.
Few days after that Carrington  sent me a mail of mortgage loan default on  XX/XX/XXXX  of 2017. At that time, I again contacted Carrington, and the agent told me that Carrington has already sent me the pre-foreclosure notice and the auction for foreclosure would be on the  XX/XX/XXXX of 2017. Th is time Carrington agent provided me the phone number of the attorney that is representing the foreclosure process. The phone number of the attorney is :  XXXX .
When I asked the name of the attorney, the agent declined to do so.
Carrington has sent me three mails and also adding a fake letter from some unknown company who is willing to buy the house.
Carrington is continuing with the foreclosure procedure in violation of automatic stay and in violation of our state statute of exempt property and community property law.
I even explained Carrington that my spouse and her attorney has proposed a payment plan for 60 months, to catch up with the missed payment and interest accrued by our non-payment.
The agents would sometimes threaten with foreclosure and they would sometimes try to tell me the law that does not exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im stressed and cant believe to my knowledge its been over 1200 days ago I sent letters about an investigation into items that were Unverifiable and Invalidated. To this day I have not received a reply or my investigation results or any acknowledgment that an investigation has begun not even on my credit reports.I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Account XXXX I have requested this information to be verified with all three credit bureaus as the information is inconsistent and incorrect and they have refused to correct In accordance with the Fair Credit Reporting act XXXX Account XXXX 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
Product: Debt collection

I had resolved a medical debt in XX/XX/XXXX in the amount of ~ {$2000.00} for an emergency room visit in XX/XX/XXXX. A company by the name XXXX XXXX contacted me in XX/XX/XXXX, nearly a year and a half after the debt had been settled, stating they purchased my contract from MediCredit and that money was still owed. Evidence was provided of the settled debt and a letter was received approximately one month later stating the provided evidence was still under review. ~60 days after the evidence was provided I received an email notification reporting my credit score had dropped 30 points due to a major derogatory debt. XXXX did not communicate with me in any way of their research results outside of the notification that they were still reviewing. I contacted XXXX and they referred me to their customer advocacy team to help resolve. Ive called the provided number and left voicemails numerous times over the course of the last 2 weeks and have not yet received a response. The actions of this company have caused not only stress and frustration, but real life consequences that will affect me and my family in the years to come. Hopefully this submission will help shed light on the broken processes within their organization, lack of customer support, and potentially help mitigate future risks of other individuals and families that may be impacted by this companys incompetence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently discovered that a credit card account was opened under my name without my authorization, and I believe I have become a victim of identity theft. 

The unauthorized credit card account was opened on XX/XX/2019 and I have attached any supporting documents I possess to substantiate my claim. The account details, including the card number, account holder 's name, and any other relevant information, were obtained fraudulently. As a victim of this crime, I am deeply concerned about the potential negative impact on my credit history and overall financial well-being. 

I have taken immediate steps to mitigate the damages caused by this incident. Firstly, I have contacted the credit reporting agencies, namely XXXX, XXXX, and TransUnion, to place a fraud alert on my credit report. 

I kindly request your full cooperation and support in investigating this matter promptly. I would appreciate if you could initiate an immediate investigation into the unauthorized credit card account opened in my name. I understand that it might take some time to resolve this issue completely, but I trust in your expertise and commitment to ensuring a fair and just resolution. 

I am prepared to provide any further documentation or evidence that may aid in your investigation. Please inform me of any additional information or steps required from my end to proceed with the resolution process effectively. 

Furthermore, I kindly request that you remove the unauthorized credit card account immediately to prevent further fraudulent activity and to protect both myself and your institution from any financial liabilities associated with this incident. 

I emphasize the urgency of addressing this matter promptly, as the longer it remains unresolved, the greater the potential harm to my personal and financial well-being. I am hopeful that, with your assistance and expertise, we can swiftly resolve this case and ensure that justice is served.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax had a data breach so now my information is stolen.
Product: Credit reporting or other personal consumer reports

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the XXXX of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Product: Credit reporting or other personal consumer reports

Over XXXX  days ago I requested method of verification and proof of verification for this account reporting on my Equifax report and the information was never received. However, Equifax informed me, Report # : XXXX, that the account was verified but no proof of verification provided. FCRA 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if a disputed item can not be verified, it must be deleted from the consumer 's file. Additionally, under 15 U.S.C. 1681c-2, any information that is the result of an unverifiable or inaccurate reinvestigation must be permanently blocked from my credit report. Since Equifax has not provided sufficient evidence of verification, I demand that the unverified negative account be immediately deleted and blocked from further reporting on my credit report.
Product: Vehicle loan or lease

XX/XX/XXXX leased XXXX XXXX XXXX XXXX from ally XXXX thru XXXX XXXX in XXXX made auto payments for 3 years ... .no problem applied for XXXX mo lease extension they said no applied for XXXX mo extension call back in 2 days XX/XX/XXXX they said ok sent offer letter XX/XX/XXXX I signed lease extension for XXXX mos XX/XX/XXXX I faxed to them and XXXX 'd confirmation of receipt XX/XX/XXXX i charged XXXX payment over phone per their instruction XX/XX/XXXX Recv 'd email that they returned my payment??? I called and they said you cant make charge payments, you have to pay by check and sent thru mail. 
XX/XX/XXXX i sent XXXX to Payment Processing, XXXX XXXX XXXX, XXXX XXXX, XXXX, NC XXXX XX/XX/XXXX I mailed XXXX cashed XX/XX/XXXX I mailed XXXX not cashed XX/XX/XXXX They left voicemail ( comes up as spam cuz they have " overseas operators ... doesn't say " ally '' ) They said they mailed demand letter on XX/XX/XXXX never received They demanded I return truck immediately ... that extension was voided. I was to go to dealer asap and I could not buy back... lease was void.