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

I am writing to address two critical matters : XXXX. Request for Removal of Late Mortgage Payments My mortgage payments should have been protected under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, implemented by HUD to assist borrowers impacted by XXXX. During this period, I was approved for a partial claim, in which late payments were to be reported. To support this, I have copied of the lost income from the XXXX XXXX XXXX XXXXThe approved Loss Mitigation letter from XXXX XXXX XXXX.These late payments were incorrectly reported and need to be removed promptly. 

XXXX. Complaint Against Transunion I am also filing a complaint against Transunion for failing to properly investigate this disputes regarding inaccuracies in my credit report. Despite my submissions, Transunion consistently responds within 24 hours, stating the account is accurate without evidence of a thorough investigation.This violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Additionally, Transunion 's actions may contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) .I urge the Consumer Financial Protection Bureau ( CFPB ) to take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation. 

The accounts in question are as follows : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your attention to these matters. I look forward to a prompt resolution. 

Sincerely, XXXX XXXX
Product: Student loan

As of XX/XX/XXXX I qualify for XXXX ; therefore, I contacted XXXX/Navient to complete the corresponding documentation necessary to have my Private Loans Discharged. I was informed by multiple reps that I was unable to complete the necessary forms, make any payments or access account info because my co-signer had filed bankruptcy. Once the bankruptcy was finalized, I requested the forms necessary & provided Navient with my Social Security Admin Hearing docs reflecting my Specialists had proven I met the criteria for XXXX. Regardless, Navient required their forms be completed by my Dr at my own expense. As requested, I submitted the forms & was approved for XXXX. As a result, Navient then tried to transfer my loans to my co-signer. I refused to allow the loans to be transferred & requested that their legal dept review my request for complete discharge. I left numerous messages for Navient 's legal dept requesting a follow-up on my XX/XX/XXXX complaint & never received a response back. Additionally, I contacted Navient today & the rep confirmed that legal is still reviewing my complaint & has not responded ; yet, Navient continues to collect on the loans despite the fact they should have been discharged per the XXXX XXXX XXXX Discharge Approval. I have continued to pay the monthly amounts in order to avoid Navient reporting negatively on mine and/or my cosigner 's credit report. As a result, I believe Navient is illegally collecting on loans that should have been discharged a long time ago.
Product: Debt collection

XXXX  to cancel my service with XXXX  because the lines was locked and I was unable to use the service on my three lines the 4th line I had services on because the phone was paid off. I called within 3 days XXXX refuse to cancel my services. I never was able to use my cell phone because they were locked my XXXX XXXX XXXX. These charges are reporting on my XXXX account as negative I want these charges removed effective immediately.
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report a fraudulent account appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent inquiries and account have affected my life and resulted in several fraudulent hard inquiries and account and appearing on my consumer FICO credit report. XXXX XXXX {$1800.00} opened XXXX # XXXX,, XXXX XXXX XXXX {$460.00} # XXXX opened XXXX,, XXXX XXXX XXXX XXXX {$480.00} # XXXX XXXX, XXXX XXXX XXXX {$1900.00} # XXXX opened XXXX, XXXX XXXX {$490.00} # XXXX opened XXXX demand that the aforementioned fraudulent item be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
CFPB Complaint against Credit Reporting Agencies Equifax XXXX Name : XXXX XXXX XXXX Social Security Number : XXXX SSN ), Consumer Date of Birth : XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the, result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned and account are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud. 
What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that Equifax, credit reporting agency block all of the accounts, collections identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not authorize this inquiry XXXX XXXX XXXX XXXX XXXXXXXX,2024
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EQUIFAX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that this account is mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
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 XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance {$1600.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$15000.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$10000.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$5200.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$1900.00}.
Product: Credit card

I have called multiple times over the past few months requesting my letter of declination from Discover and they claim they will mail me and then also email me the requested information. Each time they do not follow through with what they said they will send me. Most recently, I have called them XX/XX/XXXX, XXXX, XXXX, XXXX and XXXX and each representative I speak with says they will send it and then don't. I'm tired of their lies and incompetence in getting the information they are required to send me. 

Discover claims to have conducted an investigation regarding fraudulent activity on my credit card, yet never informed me of the results of their investigation through written or oral communication. Instead, Discover sent the IRS a Notice of Cancellation of Debt that I am now disputing. It seems unfathomable that a legitimate business would handle this manner so carelessly and come to the wrong conclusion.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX Account XXXX XXXX has Violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX Account # XXXX 15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Checking or savings account

I opened my high yield 360 savings with Capital One at the beginning of XX/XX/XXXX when it truly was a high yield account ( 2 % ) after Capital One changed the interest application method and quarterly bonuses on my prior Savings Now account. On XX/XX/XXXX I reviewed all of my account activity and statements and in my personal case the yields declined rapidly from XX/XX/XXXX through XX/XX/XXXX when the interest became .3 % through XX/XX/XXXX. In XXXX through XX/XX/XXXX, we received minor rate increases. The rate was fixed at .8 % as of XX/XX/XXXX through XX/XX/XXXX. Our balance ranged from $ XXXX to $ XXXX through XX/XX/XXXX. We made a purchase in XX/XX/XXXX when our balance decreased to $ XXXX. 

I opened a Performance 360 account XX/XX/XXXX. It was very easy to do this through the capital one portal. I am keeping a small balance in the original 360 savings account to keep it active pending the results of this complaint. I called Capital One today ( XX/XX/XXXX ) and asked that they remedy the error with their interest rates and the only option that XXXX, a customer service manager, could provide was an offer to open a new performance savings account and move the remaining balance. No corrective interest allocation could be made to make me whole and she stated that her job would be at risk if she provided any option other than a conversion for the balance as of today ( forward looking only ). I believe we are owed between $ XXXX $ XXXX in additional interest based on the originally marketed high yield savings product.
Product: Debt collection

First Progress account is reporting derogatory on my credit the account is paid please remove from my credit profile.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B mandates the elimination of any erroneous accounts from my credit report. Could you kindly review the documentation? A few of the mentioned accounts contain inaccuracies, causing me distress.
Product: Credit reporting or other personal consumer reports

transition said that the complaint Submitted to the CFPB on XX/XX/year> : there was freeze only account therefore you all was not able to recover and resolve this matter, and I need to to XXXX reviewed. an re opened for resolving, XXXX had been resolved and XXXX. 

I am a victim of identity theft and I noticed that my credit reports contain accounts, name, inquiries, that I do not recognize. I did not give any person permission to have or obtain my non public personal information. I have a police report regarding the theft. Transunion, XXXX, and XXXX are reporting unverified, inaccurate, and fraudulent information. They do not have proof of authority. to report anything especially accounts that are a result of theft.
Product: Credit card

I have a delinquent account with Capital One Bank ending in : XXXX with an outstanding balance of {$1000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts are still reporting inaccurate on my report which needs an immediate action. I have sent letters to the Credit Bureau but still no response was ever received from them. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law. Below are the accounts that are still reporting on my report : Late/Open XXXX XXXX XXXX Balance {$340.00} XXXX  XXXX XXXX Balance {$7.00} XXXX XXXX XXXX Balance {$12.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$1500.00} Late/Closed XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} ChargeOff XXXX  XXXX Balance {$1200.00} Collection XXXX XXXX Balance {$310.00} XXXX XXXX Balance {$4100.00} XXXX XXXX XXXXXXXX XXXX XXXX {$43.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 



XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX/XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Delete this account.
Product: Credit card

Hey, how are you? To whom it may concern. 
I am XXXX XXXX XXXX residing in XXXX XXXX I just recently had a baby last year while working for XXXX XXXX XXXX XXXX. I am now just getting into the whole credit aspect of my life & I'm seeing a lot of things up here I never applied for, addresses Ive never resided at before. Im looking to seek any help I can get with getting these things removed from my credit report because I'm trying to get things established for me & my now XXXX XXXX XXXX son. I went down to the bank to open me up a checking & savings account & I got denied because I was informed of some things I know for sure never was authorized by myself. I did lose my belongings in XXXX  on vacation back in XXXX due to baggage loss at the airport, everything I had down to my social security card, state of identification card & more got stolen everything I had to obtain ( renewed form ) & I had a problem filing taxes last year for the first time due to identity theft. I also have another woman here residing in the state of XXXX XXXX by the same first & last name, I found this out in court one day when they got us confused. I do think her addresses are merging with my own.
Product: Debt collection

He identified himself as a lawyer from Wilson, Riley & Assoc. & said his call was in reference to a summons I would be receiving at my door today or tomorrow. He told me my case number was XXXX. He said I owed XXXX XXXX {$310.00} but I never had a loan with XXXX XXXX. The payment arrangement he would make today was {$180.00} to consider the case closed or three payments of {$110.00}. 
I told him this call sounded like a scam & he said if I did n't pay I would be going to jail & he would ruin my credit.
Product: Credit reporting

I would like to express my sense of disgust with these XXXX credit reporting bureaus which abuse the consumers by posting inaccurate and unfounded facts on the reports causing an adverse financial injuries to consumer. 
1- These XXXX bureaus have mixed up my social security number with probably my cousins, or other family members and have caused that I have not been able to receive loans with proper rates. 
2- The parasitic companies like XXXX, XXXX which thrive on ripping off people have filed that I had late payments or I owe them. I have letters from them that I owe nothing and the information should have not been there. XXXX erroneously had applied my payments to another account causing late recording on my account. They promised to fix it and notify these XXXX disgusting credit report agencies ( Trans/etc. ) to remove the errors. It is still there and with impunity they have kept it 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 XXXX Account Number:XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX 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

Dear sir/madam, as I was going through my credit report on XXXX and Transunion few months ago, then I noticed a negative report on my credit. The negative report was from a Company called XXXX XXXX XXXX any time I dispute the account, they kept sending a letter at my home address saying they investigated the dispute and notice it was mine. First I have never had any account with XXXX XXXX. Second, They have to explain which address I was living when I acquired this dept. .I do n't know how they got my social security and my date of birth because I know I have never had any account with XXXX XXXX or any of it affiliates. 
I am requesting that XXXX XXXX XXXX or any of their affiliates should remove such negative statement from my credit report
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 : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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.