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

I was going over my credit report I noticed that there are addresses that are not mine showing. I would like the following addresses deleted.This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information is not accurate. The following addresses and the variation on my name are not accurate .Myname is XXXX XXXX XXXX , please delete all other variations. 
XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX I do not and have never lived at the mentioned addresses above.
Product: Checking or savings account

We deposited a check for XXXX from a business to complete a contract. 8 days after it cleared that person cried fraud so my bank has a hold on it for 19 days so far.
Product: Credit card or prepaid card

Per the Chase website : " If you have Chase Sapphire Reserve, you also have more flexibility with how you can apply your annual {$300.00} travel credit. With travel restricted by the coronavirus, cardholders can apply gas station and grocery store purchases toward the travel credit through the end of the year '' 3x POINTS ON XXXX  XXXX  immediately after earning your {$300.00} annual travel credit. ** 3x POINTS ON DINING AT XXXX  XXXX  including eligible delivery services, takeout and dining out. ** My experience : I used my {$300.00} annual travel credit towards grocery purchases in late XXXX. I made some travel purchases in XXXX and XXXX, but was given 0 ultimate reward points per dollar instead of the standard XXXX ultimate rewards points spent per dollar. 

When I emailed chase about my the points discrepancy, this the response, they gave me : Hello XXXX, Thank you for contacting Chase. 

XXXX, we appreciate the time you are taking to bring this to our attention and will be happy to review your Chase Sapphire Reserve account ending XXXX. 

You receive a travel statement credit with your Chase Sapphire Reserve ( SM ) credit card. We automatically apply this credit to your account when you use your card to make purchases in the travel category, up to an annual maximum of {$300.00} total. 

This year 's Annual XXXX XXXX will reset on the first statement date after your enrollment date anniversary, which is the date you became a Chase Sapphire Reserve cardholder. Any eligible travel category purchases posted to your account after that date will go toward the next year 's Annual XXXX XXXX. 

For more information about qualifying travel category purchases, please visit chase.com/RewardsCategoryFAQs. 

" Annual '' means the year beginning with your account enrollment date through the first statement date after your account enrollment date anniversary, and the 12 monthly billing cycles after that each year. 

Earning rewards - One point per {$1.00} spent on purchases - Three points for each {$1.00} spent on card purchases in dining categories Your satisfaction is extremely important, and your comments are critical to our efforts for continued improvement. For that reason, we always welcome and appreciate feedback from our customers. Thank you for letting us know that we can do better. 

Stay safe and take care of yourself and loved ones. 

We appreciate the opportunity to help you. We value our relationship with you and thank you for choosing Chase. 
Please contact us anytime if you need assistance. 

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

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX : Experian, XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, SD XXXX Attn : CFPB This account originated with XXXX, which was later acquired by XXXX XXXX. This was never a federal or any other government student loan. It was private, and therefore should be off of the credit file after seven years from open date of XXXX. Despite my requests, they will not send me the original credit note after you fully verify this with XXXX XXXX. If they can not provide this, per FCRA they must remove this from my credit file. 

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

TransUnion continues to violate my rights under the FCRA Section 1681 ( a ) ( 1 ) ( A ) and 623 ( b ) ( 1 ). TransUnion has provided false information to the CFPB and myself as to an investigation into the account listed below, on three different occasions, and they continue to violate my rights under the FCRA. I DEMAND THE FOLLOWING ACCOUNT BE DELETED IMMEDIATELY : XXXX BANKRUPTCY/ DOCKET NUMBER XXXX or I will hold TransUnion liable for up to {$1000.00} per violation of the FCRA.
Product: Debt collection

This company is attempting to collect a debt that is not mine. It was from an apartment complex where I was never on the lease and did not live there. I 've asked for them to send proof that the debt is mine but they never have.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXX Balance Owed : {$0.00} ; XXXX  XXXX BalanceOwed : {$800.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  ( OriginalCreditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$740.00} ; XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance Owed : 2022.
Product: Mortgage

I applied for a cash-out refinance with loanDepot and let them know upfront it was an investment property that my partner and I had owned for less than 6 months. I also advised I did NOT want to pay any points for the interest rate. Every loan estimate I received showed points being charged with NO explanation given as to why I could not receive a loan estimate without being charged any points. 

After several weeks of trying to get information from my loan officer I requested to be put in touch with his manager to see what was going on. A simple refinance had stretched into a multiple month ordeal just before the Covid-19 drama had started. I should have been able to complete this BEFORE all the shelter-in-place requirements and surge in customer assistance. The manager called me ONCE, and I still did NOT receive a loan estimate showing NO points or an explanation saying I couldn't qualify for a loan with no points being charged. 

Strangely I then received a denial letter stating I didn't qualify because of my " length of residence ''. There was NO explanation what " length of residence '' meant and NO call from my loan officer to advise as to why I was suddenly denied supposedly based on information I gave when FIRST giving my application information. I have been at my current residence 10 years, and I was told by the loan officer the length of ownership in the subject property wasn't an issue. 

It appears my loan was cancelled and MONTHS of my time and energy wasted because I did not want to pay loanDepot points. I have good credit and no income issues. At NO point was I asked for additional documentation to address any residency concerns whether it be for my personal residence or the ownership length of the investment property. I was not advised at ANY point in the process of the requirements or how I may or may not qualify, and NO one will contact me back, even when I requested to speak with their Office of the President.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am natural person, I am a living human being. I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. They violated my rights numerous times. I DEMAND the accounts listed below to be removed because According to 15 USC 1681 ; I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 


Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

From XXXX to XXXX I attended XXXX XXXX  who lied to me about loans, loan amounts, school loans, advertising of a degree and obtaining a job. They lied and misrepresented themselves and this was supposed to be a group discharge and I have seen nothing yet. They misrepresented themselves and then sold themselves to the XXXX  XXXX XXXX for XXXX and yes I am correct XXXX to get out of all the trouble they were in under the XXXX XXXX  name.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the Fair Credit Reporting Act. The list of accounts below has violated my Federally Protected Consumer Rights to privacy and confidentiality in 15 USC 1681.

15 U.S.C 1681 Section 602A. states I have rights to privacy.

15 U.S.C 1681 Section 604A 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. 

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

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian have the Mortgage account late even i sent them a copy of the mortgage in forbearance, and XXXX in  Collection even it was never reported late. I filed disputes XXXX, XXXX, latest in XXXX
Product: Debt collection

XXXX XXXX disconnected my T.V cable without notice. I never received a bill from them. I called them to to pay the bill and to let them know i've never received a bill nor any notifications online. To reconnect the cable i had to pay way more i was informed, so the technician can re-install XXXX XXXX and it wouldn't be connected right away.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
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  XX/XX/XXXX
Product: Student loan

Consolidated my loans upon graduation in XX/XX/XXXX, to Income-based-Repayment plan. Enrolled in Public Service Loan Forgiveness. Made years of payments, and was told I had only made 11 qualifying payments in XX/XX/XXXX. I challenged this over the phone four times, was told it took 90 days. Called in 90s days. Was told it takes 90 " business days. '' Called back. Was told " it just takes a while. '' It's now been almost 2 years, and no one will help me. I've made consistent, on-time payments for over 6 years, and my qualifying payments won't budge. No one will help me. No one is responsive. No one cares.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : DEMAND FOR IMMEDIATE BLOCKING AND DELETION OF FRAUDULENT ACCOUNTS PURSUANT TO 15 USC 1681c-2 ( a ) ** Dear XXXX Customer Service, I am writing to demand the immediate blocking and permanent deletion of all fraudulent accounts and inquiries appearing on my credit report. As a victim of the XXXX data breach, your failure to safeguard consumer data has directly led to the misuse of my personal information. I invoke my rights under 15 USC 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ) and insist that you take swift and decisive action to address this matter. 
The fraudulent entries I have identified are as follows : Fraudulent Accounts : 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 Unauthorized Credit Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under federal law, you are required to block this information from my credit report upon confirmation of identity theft and provide written confirmation of its removal. You are also obligated to notify me of the outcome of your investigation, including the evidence used to determine the validity of any reinstated information. 
I have included the following documentation to assist with your investigation : A copy of my government-issued ID Proof of address A copy of a police report or FTC Identity Theft Report Your companys negligence has already caused me undue harm, and I will not accept further delays or inadequate responses. If this issue is not resolved promptly, I am prepared to escalate my concerns to the Consumer Financial Protection Bureau ( CFPB ), state attorneys general, and other relevant authorities to ensure that my rights are upheld. 
This matter requires your immediate attention. Please provide a written response and confirmation of the actions taken within the legally mandated timeframe. If additional information is required, you may contact me at [ Your Phone Number ] or [ Your Email Address ]. 
Thank you for your prompt compliance. 
Sincerely, XXXX XXXX XXXX : XX/XX/XXXX Enclosures ID Proof of Address SSC FTC
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion regarding inquiries on my credit report. I sent a letter directly from the creditor that placed the inquiries on my credit report as requested by Transunion representative. The letter states that they are agreeing to remove the inquiries from my credit report within 60 days ( Please see attached letter ). Transunion has failed to preform an investigation to remove these inquiries which is violating the Fair Credit Reporting Act. I would like the following inquiries removed from my credit report. XXXX XXXX XXXX VIA XXXX XXXX XX/XX/2018, XXXX XXXX XXXX XX/XX/2018, XXXX XXXX XX/XX/2018, XXXX XXXX XXXX XX/XX/2018.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My personal information was stolen while I have been incarcerated, and a fraud alert was placed on my credit profile. Recently I reviewed my credit profile and realized that accounts that I have no affiliation or knowledge of have been placed on my credit profile. I requested account verification, and this will now be my second attempt to see why these accounts are being reported but are not mine and are a result of identity fraud. Reporting these accounts without my knowledge and consent are violating 15 USC 1681. Not only are these companies furnishing accounts without my consent, but are reporting Identity theft accounts, which again are in violation with the FCRA.. The accounts included are : XXXX, XXXX XXXX, AND XXXX  XXXX. 
Again I have no knowledge of the accounts and have waited over 30 Days for a response. This is severely impacting my credit and my opportunity of getting a home
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



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

I have never been to or used this company XXXX/Cont Phone XXXX Address XXXX XXXX XXXX XXXX XXXX, DE XXXX
Product: Debt collection

Please take notice that SOUTHWEST CREDIT SYSTEMS, LP has failed to provide verification of the debt with regard to the above referenced account. Therefore, this debt must be deleted from my credit file within 30 days. 

You reported this account to the consumer reporting agencies on or about XXXX XXXX, XXXX, three days before you notified me of a debt, and you also notated that the debt was disputed with the consumer reporting agencies. You initially contacted me by letter on XXXX XXXX, XXXX notifying me of a XXXX XXXX account placed for collections. I responded to your notice requesting verification of such debt on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, I requested you to close the account and cause such delinquent account to be removed from my credit file. I have received no verification of the alleged debt, and no response to my request to close the account. 

Pursuant to 15 U.S.C. Section 1692g ( b ), you are required to notify me of the name and address of the original creditor. You have failed to provide such information. In addition, you have failed to provide verification of the debt under 15 U.S.C. 1692g ( a ) ( 4 ). Because the entire debt was disputed, you have a duty under 15 U.S.C. Section 1681s-2 ( 8 ) ( E ) ( i ) to conduct an investigation with respect to the disputed information. You have failed to investigate this disputed information and provide verification thereof. Therefore, you are in violation of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act, and all other applicable state law. A complaint may be filed with the Federal Trade Commission and the Washington State Attorney General, and may take legal action. 

This account must be deleted from my credit file, and this account must be closed by your office from further collection attempts within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

first of all, someone put an active duty fraud alert on my report. I have never been to the military. Secondly, I have a hard inquiry from XXXX I haven't applied to them since the first time which was XX/XX/2021. They denied me then so why would I try again knowing it would hurt me and my problem is XXXX has phone numbers to call but you only talk to an automated system which is why I am submitting this complaint to you. Pursuant to 15 U.S. Code 1681b ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I XXXX XXXX never gave XXXX TRANSUNION, and XXXX any written consent to report or furnish anything on my consumer report. No consent is identity theft.