23daVinci/CFPB_Complaints huggingface dataset:
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. 




Inquiry XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

Date : XXXX XXXX, 2015To : CONSUMER FINANCE.GOVFrom : XXXX XXXX Quickenloans # XXXXRe : Quickenloans # XXXX XX/XX/XXXX, 2015-Consumer XXXX XXXX, XXXX Mortgage Refi./VA 30 Year Loan- Application Alleged Locked Rate at XXXX until XXXX XXXX, 2015. 
XXXX XXXX -License IDXXXX/Lender Representative ( AKA ) XXXX XXXXXXXXXXXX XXXX _License ID XXXX_______________________________________________________________________________Quickenloans Staff unauthorized change of Consumer XXXX XXXX XXXX XXXX XXXX XXXX, 2015 original loan application, without prior discussion or consent. 
Lender Representative alleged consumer request Change of VA Loan Type without prior discussion or consent of Consumer XXXX XXXX XXXX XXXX Quickenloans # XXXX. 
Lender Representative alleged Consumer requested new application without prior discussion or consent of Consumer. 
Lender Representative changed Locked Interest rate from XXXX to XXXX without prior Consumer notice or communication. 
On XXXX XXXX, 2015, Consumers contacted quickenloans. to inquire of XXXX Mortgage Refi./VA loan. Quickenloans telephone staff referred Consumers to XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX ( XXXX XXXX XXXX. After Consumers provided initial inquiry information for Mortgage Refi. to Quickenloans Representative XXXX XXXX to obtain available Quickeloans Interest rate. Consumers were advised that a XXXX XXXX XXXX XXXX XXXX {$400.00} Appraisal fee was required and needed to lock the interest rate at XXXX on XXXX XXXX, 2015. Consumers were advised by Quickenloans Rep. that was the only way to secure current rate. Consumers provided payment via Consumer Credit Card. On XXXX XXXX, 2015, after providing all required documentation and logging on the QuickenLoan Message. On XXXX XXXX, 2015, the Consumer discovered that the locked rate at XXXX had changed and immediately contacted the Quickenloans Rep. XXXX XXXX around XXXX XXXX. The consumer was told that the Lender Representative was not logged in the system and to call on XXXX, 2015. 
The Consumer logged back into the Quickenloans system and discovered that an alleged application dated XXXX, 2015 had been generated with an alleged Interest Rate lock agreement of XXXX and discount fee, expiring on XXXX XXXX, 2015. Also an alleged rate lock extension fee if not agreed to by Consumer. On XXXX XXXX, 2015, the Consumer unsucessfully attempted to contact the current assigned QuickenLoan Representative on the QuickenLoan Message Board with " NO '' response. 


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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. 
Account name XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX  XXXX. Account name : XXXX XXXX # XXXX. Account name : XXXX  # XXXX, Account name XXXX XXXX XXXX XXXXXXXX, 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

On XX/XX/XXXX, I received a collection letter from Transworld Systems Inc. ( TSI ) attempting to collect a {$1500.00} debt allegedly owed to XXXX XXXX. I responded on XX/XX/XXXX, informing TSI that this debt is under active litigation with XXXX XXXX, providing arbitration case details, and demanding they cease all communication except for an apology after verifying the debts status with XXXX XXXX. I warned that further contact would violate the Fair Debt Collection Practices Act ( FDCPA ). 
Despite this, TSI sent another letter on XX/XX/XXXX, claiming I requested validation ( which I did not ) and providing outdated XXXX XXXX account summaries that failed to address the ongoing litigation. This litigation began in XX/XX/XXXX, and XXXX XXXX is aware of it. TSIs XX/XX/XXXX letter ignored my cease-and-desist demand and did not properly validate the debt, continuing their collection efforts. 
On XX/XX/XXXX, I sent TSI a second letter detailing their FDCPA violations, specifically, contacting me after a cease-and-desist ( 15 U.S.C. 1692c ( c ) ) and providing inadequate validation ( 15 U.S.C. 1692g ( b ) ) and demanded {$2000.00} ( {$1000.00} per violation ) within 30 days to avoid small claims court action. TSIs actions have caused me significant distress, and their negligence in failing to verify the debts disputed status with XXXX XXXX demonstrates a pattern of harassment.
Product: Money transfer, virtual currency, or money service

This letter was sent to the XXXX XXXX XXXX XXXX department on XX/XX/year>. 

" On XX/XX/year> | purchased a XXXX XXXX money order from XXXX XXXX in XXXXXX/XX/XXXX in the amount of {$340.00}. 
My intention was to submit this money order for deposit into my account with XXXX XXXX Bank. The money order was rejected by XXXX XXXX Bank as they do not accept money order deposits. 
I have been attempting to get a refund from XXXX XXXX since the date my deposit was rejected on XX/XX/year>. After submitting the required documentation showing the uncashed money order, the money order receipt, and the completed tracing/refund request, I received an email from XXXX XXXX XXXX XXXX refund request and the XXXX case number of XXXX XXXX XXXX. On XX/XX/year>, not having heard back from XXXX XXXX regarding my refund, I called customer service and spoke with XXXX. I was advised that the escalation department should send me a status in XXXX business days. I never heard back from anyone. On XX/XX/year>, I called customer service again and spoke to XXXX who informed me that the case was already in the hands of the escalation team and I should get the refund in XXXX days. As of XX/XX/year>, I have not received a refund nor an explanation why a refund has not been issued. 
On XX/XX/year>, I called again to get a status on this case and spoke to XXXX, ID # XXXX. He was more thorough than the previous agents and has again escalated this to the escalation department and forwarded a copy to his XXXX. The new case number assigned to this follow up request was XXXX XXXX XXXX. I was informed that I should get a status on this case in XXXX to 18 days. As of XX/XX/year> I have heard nothing back from XXXX XXXX and have not received a refund of the uncashed money order. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my report. The XXXX/Experian/XXXX  Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law. I am not late on this account. My record shows that this account was Paid as Agreed and Past Due is XXXX. Please adjust accordingly the XXXX  XXXX XXXX Balance : {$260.00} - Late Date XX/XX/22 [ 30days ] to my credit report.
Product: Bank account or service

I have been w ith Simple  Bank for a long time and all of a sudden I ca n't access any of my funds. They tell me that they need my social security card, bank account, papers for external account, etc when I have been with them for months and I had to call them 5 times and every time they told me the same story. Do not use this bank they are unprofessional! They froze my bank account without giving me any kind of notice, even when I told them I had to buy my medication and pay my rent they still did n't care.
Product: Debt collection

NOT A DUPLICATE COMPLAINT. 

On XX/XX/XXXX Mr Cooper sent a letter to my attorney stating that, " Please note that during the investigation and resolution of your inquiry, written correspondence, such as billing statements and mandatory pre-foreclosure notices, may continue. '' This confirmed that my property was in pre-foreclosure status which would be appropriate under the circumstances and with ongoing investigations of deceptive business practices and other illegal activities that Mr cooper, XXXX XXXX XXXXXXXX and other entities connected to them engaged in. Yet, in spite of XXXX XXXX XXXXXXXX responding to another federal complaint stating that in XXXX they relinquished any and all interest in the loan, Mr Cooper may have transferred title to XXXX XXXX  XXXX and or other entities. Other communications from Mr Cooper and/or their attorneys stated that a foreclosure auction occurred on XX/XX/XXXX. They then provided other information that contradicted that. Due to other deceptive business practices and Mr Cooper contradicting itself in years of communications, a tactic they continue to use to conceal their fraud, my property sits with an expensive temporary power pole and storage unit that I have been responsible for since XXXX when the work on the property had to stop because they began altering and falsifying information regarding work done at the home after it was destroyed in a fire. These fraudulent business practices were used to withhold my insurance proceeds that has been sitting in an escrow account to repair the home for over 10 years. 

The renter/ caretaker of the property has been receiving harassing phone calls from people claiming they own the property but not providing names. Security cameras revealed various people banging on the gates and trying to enter the property. This is a result of Mr Cooper 's actions along with XXXX XXXX XXXX, their realtor and an online auction company that stated the bank requested they list the property ( in spite of ongoing unresolved matters and Mr Cooper sending us a letter acknowledging that it was in a pre-foreclosure status on XX/XX/XXXX ). 


As a result of years of delays due to Mr Cooper and XXXX XXXX XXXXXXXX XXXX deceptive business practices, the company owning the temporary power pole began a lawsuit against me for over {$20000.00} for payment for the temporary power pole and storage unit that I could not continue to pay on while my home sits uninhabitable from a fire that occurred in XXXX.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 I requested validation of the alleged debt that were reported to my credit report. Both the creditor and Credit reporting agency has failed to provide me with proper validation of the alleged debt. The credit reporting agency has yet to remove the alleged debt from my credit report. I have sent two letters prior to this one to have the alleged debt deleted from my credit report. According to the FCRA, credit reporting agencies are required to ensure the MAXIMUM accuracy and integrity of the information they report. In this case, the inclusion of the fraudulent account on my credit report is a clear violation of 15 USC 1681E ( B ) The presence of the fraudulent accounts are severely impacting my ability to obtain credit
Product: Credit card

I am the sole owner and CEO of XXXX, as proven by all relevant legal documents we know about in the BofA customer file. XXXX was a longstanding banking and Credit Card customer of BofA, originated by its former owner and officer, XXXX XXXX, before he retired and transferred the business to me in 2014. While I closed the bank accounts several years ago, I continued the Credit Card. The XXXX Credit Card account has long been documented exclusively for me, and such known documentation entirely excluded my father, who is in every legal and business respect irrelevant. He is not an authorized recipient of anything relating to XXXX or me. Three times during my ownership of XXXX, BofA has sent unauthorized Credit Card notices to my father by email ( at XXXX ) and US mail ( to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ), but those notices were not also sent to me as required and contrary to all relevant documentation known to XXXX ( or to me or my father. ) For obvious reasons, it is essential that I exclusively receive all the notices regarding the Credit Card ( and any other XXXX account matters of every kind. ) On two prior occasions BofA assured me that this problem had been solved, but the problem has just recently reoccurred. This inexcusable mishandling of XXXX Credit Card data must be immediately corrected and stopped.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have initiated several disputes in my credit reports due to incorrect information reporting on my credit reports. I mailed letters requesting disputes to Equifax, XXXX and XXXX on XX/XX/2019, XX/XX/2019, and finally on XX/XX/2019. I received letters back from XXXX with updates to my credit reports but, I never received one letter from either Equifax or XXXX. NOT 1 LETTER! In accordance with the FCRA the credit bureaus are mandated to respond back to my disputes letting me know the results of the investigations but, XXXX and Equifax have FAILED to respond 3 TIMES! This is unacceptable!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, 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 XXXXXXXX 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 an account without my written instructions.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2020 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting or other personal consumer reports

, XXXX XXXX XXXX XXXX XXXX XXXX XXXX has fraudulently reported XXXX negative remarks stating Charge off on my credit reports after they have filed the charge off got paid thru profit and loss and still reporting on a closed account on my credit files okays due. This is Fraud and a violation of the FCRA. The credit bureaus experian, XXXX and XXXX all culprits as well allowing the update on the closed account and when my credit is pulled the closed accounts are viewed not my open active current accounts. This is Fraud!
Product: Credit reporting, credit repair services, or other personal consumer reports

General Motors is incorrectly reporting me late. These payments were made on time. I don't know how they made this mistake, but the lates need to be taken off. I have a statement that shows I paid on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax needs to lose it 's license. They admitted to me that I was one of the 143 Million people that had their private data exposed.
I have been harmed in the fact that I will never know if my data will be used for nefarious purposes.
Product: Credit card

i ordered a new wells fargo reflect credit card as i had lost my original card. 
i noticed it was pretty long past when i was supposed to receive it in the mail. when i logged into wells fargo i noticed the pending charge for {$4900.00} for what appears to be an XXXX XXXX XXXX, as well as a {$66.00} charge for a XXXXXXXX XXXX ; both were not me, and now it was clear that my mail was stolen. 
i told wells fargo and they cancelled the card, overnighted a new one and reversed the charge. 
on XX/XX/XXXX the vendor charged me again. since then wells fargo has not made it right and even sent me a letter deeming me responsible for the {$5000.00}.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of late payments and the status of my XXXX XXXX credit account as presented in my credit report. The reporting of late payments and account status is inaccurate and inconsistent with federal regulations under the Fair Credit Reporting Act ( FCRA ).

According to 15 USC 1681 Section 602 ( a ), consumers have a right to accurate and fair credit reporting. This principle is violated when transactions not legally permitted to be included in a credit report are reported. 

XXXX  XXXX account number XXXX and XXXX XXXX account number XXXX has violated my rights. 

Furthermore, under 15 USC 1681c ( a ) ( 5 ), any information about accounts placed for collection or charged-off should only be reported for a limited period of up to seven years. The disputed account, closed on XX/XX/2023, should not reflect inaccurate late payment data or any unverified charge-offs. 

Additionally, as stipulated in 15 USC 1681s-2 ( a ) ( 1 ), furnishers of information to consumer reporting agencies are obligated to ensure the accuracy and integrity of the data reported. This responsibility includes not reporting transactions or information that can not be legallly verified or substantiated.

Moreover, under 15 USC 1681 604 ( a ) ( 2 ), a consumer reporting agency may furnish a consumer report only for permissible purposes, such as employment, credit, or insurance. Reporting transactional information unrelated to creditworthiness or lacking proper validation is inconsistent with this permissible purpose clause.

Given these statutory protections, I respectfully request the immediate investigation and removal of the inaccurately reported late payments and status associated with the above-mentioned account. Failure to adhere to these requirements constitutes a direct violation of my rights under the FCRA. 

Please provide me with written confirmation of the investigation results and the corrective actions taken to rectify my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair credit reporting Acts, this creditor has violated my rights under USC1681 section 602 states that I have the right to privacy. 15 USC 1681 section 604a section 2 and also stated that consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 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. 
it is also
Product: Credit card or prepaid card

I am a victim of Identity Theft. I responded to an email that led me to an unverified site that causes my account including my credit card information to be hacked by someone I do not know. I did not make a Credit purchased from them which appears on my credit report. I already filed a police report about this fraud incident. It was opened on XX/XX/2018
Product: Credit reporting or other personal consumer reports

I am officially asking you to review your data on file for me! Per the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U.S.C. 1681 I ) and METRO 2 compliance standards, I challenge all inaccuracies and deficiencies of reporting. Per the FCRA and METRO 2 compliance standards, my profile shall be accurate and complete. Your verification of the information shall be timely, and you should be able to document and provide proof of your verification process of all the information within my credit report. The information in my credit report and below was never proven factual or compliantly reported. I have consumer rights, and I am deciding to exercise those rights to demand that factually accurate, verified, and compliant data be documented and included on my credit report. I also require the permanent removal of any inaccuracies immediately! I also demand that you investigate the source of each account and ensure that each creditor has a permissible purpose for all inquiries within my credit profile
Product: Credit reporting or other personal consumer reports

After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. The information below is what I can see on my credit file with the partially protected account numbers. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( You are the only reporting agency showing this remark and all reports are to be identical. ) XXXX XXXX XXXX c/o ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX ( You are the only reporting agency showing this remark and all reports are to be identical. ) XXXX XXXX XXXX c/o ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to see false accounts suddenly appear on my credit report, and I dont understand why. Im diligent about checking my credit, but this time, something was seriously wrong. I tried refreshing my browser, thinking it might be a mistake, but nothing changed. The accounts remained, and now Im asking for the documents Ive sent to be thoroughly examined so I can have peace of mind.