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

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXXn I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$4400.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was just checking my credit report because Im working on fixing my credit since Im planning on buying a new home. Then I see the Genesis debt and I tought it was hospital bills and I remember I saw this genesis debt always sending me emails but, I ignored them since I know now the scammers do anything. Then since I saw it on my credit report I called them to know whats going on and they told me it is from the XXXX XXXX and I dont even know where that is and the guy told me that I lived there and owe them 2 months and I was XXXX off because how can I lived somewhere I dont even know? And he told me I can dispute it if I believe its a false information then I said yes I would love to. And thank you in advance, I would like to dispute this false information. I have never lived there.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account XXXX Account Name XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account XXXX : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXXXXXX XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

A delinquent debt with XXXX XXXX  XXXX that has been paid off since XX/XX/2020 and the credit bureau has not updated its records or deleted the debt per the agreement with the creditor. The creditor sent the discharge of debt over to them on XX/XX/2020 after the payment cleared and it has been 90 days and the credit bureau still has not done its due diligence and is not in direct violation of my rights under the FCRA & FDCA. I have contacted the bureau by phone, website and mail and they still refuse to update my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to request a reinvestigation of several accounts on my credit report following my previous dispute with your agency. The accounts in question are not being reported accurately and are in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
I request a thorough reinvestigation by your agency for the following issue : 1.

This agency has failed to validate the debt despite multiple requests on my part. I am concerned about how your agency was able to verify this debt when the collection agency could not. ONLY YOUR BUREAU IS REPORTING THIS. 
NAME : XXXX  ACCOUNT : XXXX AMOUNT : {$920.00} DELETE THIS FROM MY REPORT AND SEND ME PROOF THAT IT WAS DELETED. 

XXXX. 
I have no record or knowledge of missing any payment with this company. There is no evidence on my end that I missed any payments. How can it be explained that this account was paid for and closed, yet still shows a late payment for the last month? This discrepancy is causing significant confusion and indicates an inaccuracy. 
Name : XXXX XXXX XXXXXXXX XXXX  Account : XXXX Amount : {$10000.00} UPDATE THIS TO PAID AS AGREED SEND ME PROOF THAT IT WAS UPDATED XXXX. 
XXXX and XXXX were not able to verify this ITEM AND ITEM was blocked from the other two credit bureau. Only your Agency is reporting this Fraudulent Account. 
Name : XXXX XXXX Account : XXXX Amount : {$1200.00} DELETE THIS FRAUDULENT ACCOUNT. I AM VICTIM OF ID THEFT. 
XXXX : The following inquiries have not been AUTHORIZED by me, I have never contacted the following lenders. I request an IMMEDIATE REMOVAL. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

10 years ago we purchased a lot on XXXX XXXX in XXXX GA for {$250000.00}. We have made regular payments ( always paying a little more then due ) during this time. My husband and I went through a divorce and for a year I continued to make the payments on this loan as he said he doesn't care and would take bankruptcy. We also have a business together that just went under. I have put all the money I have into the business to try to stay above water. When I realized that I could no longer make the payment on the lot loan in XXXX, I contacted XXXX XXXX with United Community Bank of XXXX GA and asked the bank to take the Deed in Lieu of Foreclosure. XXXX said she would check on it. I contacted XXXX again in XXXX and XXXX. I was also contacted by a lady in collections from United Community Bank and I reiterated that we wanted to provide the Deed in lieu of Foreclosure. She said she would check into it. On XX/XX/XXXX, I spoke to XXXX again and asked about the Deed in lieu of Foreclosure and XXXX said we would have to go through the foreclosure steps anyway. I have attempted to work with the bank and am very disappointed this was allowed to happen which was not my intent as I have been trying to work with the bank and follow the proper steps. Now I have a letter from their attorney that they are proceeding with foreclosure. 

We have paid at least {$370000.00} on this {$250000.00} loan. Additionally, the bank should be able to sell the lot for at least {$120000.00}. If that is the case, the bank will have doubled their money in 10 years. Wow {$500000.00} and they won't take the deed. It is very disappointing and seems egregious that they are not willing to take the deed.
Product: Credit reporting or other personal consumer reports

I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Started process to refinance my home due to my husband taking a job at XXXX ( better future & benefits ) less pay. Had Good credit rating ( XXXX ) & good amount of equity in my home having lived there for 10 years. Chose to work with Cardinal Financial on XXXX XXXX, XXXX XXXX Loan Originator had purposed XXXX cash out option and an interest rate of 3.875. That sounded like the best option for me to consolidate some bills & some light home improvements .We proceeded with the process and were on schedule to close in XXXX I had discussions with my current mortgage company that I would not be paying XXXX mortgage payment due to closing the refinance in XXXX. We were on schedule to close XXXX XXXX with a notary scheduled to come to my house to sign all of the paperwork. The documents came to me electronically on XXXX XXXX and they were not accurate. Cardinal had made errors, the cash out option that they purposed was around 6,000-7,000 ( instead of XXXX ) & I had a discount that was supposed to have been applied for XXXX that was not applied. That was around 7,000.00 in errors on their part that needed to be corrected. They did finally get the documents corrected and should have advised that I make XXXX mortgage payment since they are the professional and I did not know. The notary came to my house on XXXX XXXX ( not XXXX XXXX as originally scheduled ) ) & we signed and notarized all of the documents .We Closed the deal ( So I thought ). I got a call from XXXX XXXX Loan Processor on XXXX the XXXX saying due to the XXXX house payment not being made they could not continue the contract. I was devastated all that time and effort down the drain, little did I know this was the beginning of disastrous consequences to my CREDIT. My credit score went from XXXX to XXXX ( checked XXXX ) so I can no longer refinance with any company. I tried to get a home equity line of credit with my mortgage company & my personal bank All rejected due to the refinance attempt that ended badly. This horrible nightmare has caused me thousands of dollars, a large amount of grief and numerous sleepless nights. I gave Cardinal an opportunity to make this right as it was their errors that caused the delay. They declined. I have spoken with professionals in the matter and am taking steps to fix a terrible injustice
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX  : # XXXX, XXXX  XXXX : # XXXX, XXXX XXXX  : # XXXX, XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

There is a COLLECTION ACCOUNT IN DEBT ANOUNT {$10000.00}. From this company.that does NOT belong to me... I have filed a DIRECT DISPUTE via XXXX priority mail. Letting them know I've been a victim of identity theft. I never lived in XXXX. The address on this account has NEVER BEEN REPORTED AS RESIDENCE ADDRESSES ON ANY OF MY CREDIT FILE. A POLICE REPORT HAS BEEN FILED ON THIS MATTER. I contacted this agency this morning to discuss that matter and was threatened by there customer service representative. XXXX XXXX and XXXX XXXX whom will answer the phone when I contacted the office at XXXX. I want this account deleted IMMEDIATELY IT WAS OPEN FRAUDULENTLY. I wrote them directly XX/XX/year> and return receipt come back to me signed by XXXX in office. XX/XX/year> I also mailed another direct dispute letter via XXXX. XXXX. Please view attachments. I also mailed XXXX direct dispute on XX/XX/year>. Yet they are claiming they have yet to receive my letter. Which is a lie! Please review evidence.
Product: Checking or savings account

I am overseas, I tried to do a wire transfer to here. Wells fargo froze my account. I called into the fraud department and provided them everything, the exact amount of the wire transfer, the amount XXXX, the confirmation number, XXXX. The recipient name : XXXX XXXX. I gave them all of my information, confirmed code from my email and my mobile phone but they still refuse to give me access to my account. They insist I must go into a branch, I live in a different country! no! They are doing it intentionally. I have all of my information anything they need I have given them all of the correct information, the company is wells fargo their number is, XXXX, My Name Is XXXX XXXX, account number XXXX
Product: Checking or savings account

I do not have any overdraft protection and yet wells Fargo continuously pays items despite there being insufficient funds. If my account does not have funds they should be returning the item NSF. Instead they pay items and then charge me XXXX dollars in overdraft fees. When I contacted them they stated that because of the extra day grace period they had a right to charge me even though that was not agreed upon.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I run into a problem with Equifax when I applied for a mortgage loan. I contacted Equifax and after more than XXXX calls they asked me to mail over to them a letter with a copy of my driver 's license and other ID in order to fix my file as the bank could not obtain my credit score. I mailed all the required documents to XXXX immediately. 

On XX/XX/XXXX, I applied for another loan with XXXX XXXX XXXX XXXX and they also could not obtain my credit score from XXXX. I called today XX/XX/XXXX, and talked to their XXXX XXXX XXXX department. After XXXX phone calls, someone was able to identify that the same problem still exists and again they are asking me to mail a letter with my IDs. This is unacceptable and is costing me money and needs to be fixed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX Balance Owed : {$170.00} ; XXXX XXXX XXXX Balance Owed : {$390.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$48000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent Capital one bank several letters asking for proof of this item being mine. They keep sending me letters requesting the same documentation that I have sent to them. I need this Deleted off of my 3 credit reports because they do not have any validation of this account being mine. original signed documentation with this account belonging to me.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX Balance : {$4500.00} XXXX XXXX Balance : {$680.00} XXXX XXXX Balance : {$9900.00} XXXXXXXX XXXX XXXXXXXX Balance : {$9800.00} XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX Balance : {$4500.00} XXXX XXXX Balance : {$790.00} XXXX XXXX Balance : {$9900.00} XXXXXXXX XXXX XXXX Balance : {$9800.00} XXXX XXXX XXXX Balance : {$2700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE ARE ACCOUNTS ON THERE THAT ARE NOT MINE. PLEASE REFER TO ATTACHED IDENTITY THEFT POLICE REPORT, CASE # XXXX ACCOUNTS TO BE DELETED : XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX   XXXX, # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXX ACCOUNTS TO BE AMENDED : 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 ( {$800.00} limit ) XXXX XXXX XXXX, # XXXX ( {$550.00} limit ) XXXX XXXX XXXX, # XXXX XXXXXXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX THANK YOU, XXXX XXXX
Product: Money transfer, virtual currency, or money service

The online banking app ALBERT withdrew {$100.00} from my connected bank account without my knowledge. The rep said I initiated the XXXX program. The ALBERT app does not describe this XXXX thing. I requested that my XXXX XXXX  be returned and refunded because I did not consent to this. I was told it was my money and I have to wait 5 days before I can request it back. I explained, that it was unacceptable and then they said on 3 days I can request the refund. 
Which is right? I don't care. I need that money back right this min. 
If I cancel my acct with ALBERT I will never see the refund. HOW DO I KNOW THIS WON'T HAPPEN AGAIN AND AT ANY MOMENT.
Product: Credit card or prepaid card

Dear Chase Inc, You closed my account ending in XXXX due to the reason of " Too many requests for credit or reviews of credit ''. This is highly inaccurate as I just checked my credit reports for all 3 major and 5 other minor credit bureaus. They stated my credit requests and reviews of credit are below average and should not have prompted Chase to close my credit card accounts. Chase Inc has a flawed system stating false information. I will sue if my credit card accounts aren't restored due to a system error. My credit reports are all frozen, even from minor credit bureaus so how was this " too many requests for credit or reviews of credit '' even triggered a random shutdown of all of my accounts?
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because i was a victim of the Equifax data breach. I want these items deleted from my reports effective immediately. I am attaching proof that Equifax had admitted that i was in fact a victim of the data breach and Equifax has done nothing. please help me delete these illegal accounts from my credit reports. Here are the accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am a victim of Identity theft, the original creditor found that I was not liable for this debt and this alleged debt was erase from all three of my credit reports. Somehow XXXX is trying to collect on a debt that is a result of identity theft. 

I requested a copy of an assignment contract or any other documents, bearing my signature, showing that I have legally binding contractual obligations to pay this company for the alleged amount, in which this company FAILED TO PROVIDE! However, this company has acted in bad faith by trying to collect on a debt that is not valid and by adding this alleged debt to my consumer report, which is a major violation of the FCRA. As a debt collector it is XXXX responsibility to verify this debt as valid before attempting any type of collection.
Product: Debt collection

Despite previously submitting a formal request to have this fraudulent account removed from my credit report and notifying all relevant parties that I am a victim of identity theft, the matter remains unresolved. I continue to receive repeated phone calls and emails regarding this account. 

To make matters worse, the debt appears to have been sold to another lender or collection agency, which has also begun contacting me via phone and email in an aggressive and persistent manner. This ongoing communication is both distressing and unwarranted, given that the account in question was opened without my authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

This will make my third time having to file a complaint on all three bureaus they report back to the CFPB that its being worked on and its not actually being worked on a follow up with phone calls I keep getting people from overseas dont understand English and then when I do get a hold of them then they take me through like Im not the one here being exiled for someone using my identity, So as I have spoken with a supervisor at all three credit bureaus XXXX , Equifax , XXXX and they all have ask that the FTC affidavit be attached with the email from the police report saying that it was approved as well as my drivers license and my social and proof of residence I have attach these items to this after sending it in for the third time I hope this is what youre looking for. Most of the items of The items have been removed America first closed account is on a police report it needs to be removed immediately as well as a XXXX XXXX for {$1100.00} that is to be removed immediately this is what was discussed it all three are documented in my account but this is all that they were waiting on to have these items removed blocked delete it thank you for your time. I have attached all of the items that were sent to each individual credit bureau three days ago will sign confirmation cards that they have been delivered.
Product: Credit reporting, credit repair services, or other personal consumer reports

Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX  XXXX XXXX XXXX
Product: Checking or savings account

I made a purchase with my XXXX for {$160.00}. The next day I saw the transaction posted to my bank account even though I paid with another card/account. I reported it and Chase gave me a temp credit. Chase reversed the transaction but for {$140.00} which represents XXXX returns that I got refunded but it was refunded to my chase bank account instead of the XXXX which was the original form of payment. Chase is claiming that I did not provide information they had me on the phone over an hour giving me a run around. I submitted a screenshot of the transaction through XXXX  and called Chase again XXXX days later to follow up and they claim that they were not going to reverse the transaction because I did not submit the information.