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

In accordance with the Fair Credit Reporting Act, the listed account has violated my rights. 

KOHLS/CAPONE, acct # XXXX 15 USC 1681 Section 602 : States that I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end and consumer credit plan as late for any purpose.
Product: Vehicle loan or lease

I receive more than 3 calls texts messages and emails everyday. They know I am having trouble with my employers banks check clearing. They transferred banks and my bank will not release the funds until the check has cleared the other bank do to the holidays, that is taking extra days unfortunately. I am 1,000 away from home on an emergency family trip and I am getting harassing phone calls telling me know matter where I am that my phone will always work and I am to take there phone calls NO matter what the circumstance or respond to their text messages even if I do not receive them. I am told I need to resolve the problem immediately to Secure my loan. I am only 30 days behind and if they give me to XXXX XXXX which is 3 days I will make the payment. These calls texts and messages have been ongoing for almost a month now. Every time I get a new loan counselor or supervisor there is never anyone the same. They are ruse threatening and unprofessional for a debt collection business they use terms and words to scare you into doing what they want not what you can do and provide a solution for the problem. Wishing me Good luck at the end of a voice mail.
Product: Mortgage

On or about XX/XX/XXXX, our loan on a property at XXXX XXXX XXXX, XXXX, NC XXXX, was serviced by XXXX XXXX. XXXX XXXX merged with XXXX and began servicing the original loan number XXXX. 

First Citizens notified us : We will charge you for insurance we plan to buy from XX/XX/XXXX - XX/XX/XXXX, unless we can verify that you have Insurance coverage for XX/XX/XXXX - XX/XX/XXXX. The insurance we but : Will cost an estimated XXXX annually. 

My insurance agent from XXXX XXXX has sent verification of insurance on more than one occasion to First Citizens. 

Today XX/XX/XXXX, I spoke to XXXX a rep and then to XXXX, a manager. I explained that we do not escrow insurance and pay the insurance annually on XX/XX/XXXX, every year. I also explained that since there was no indication of non coverage from XX/XX/XXXX to XX/XX/XXXX, that the insurance was indeed paid ( XX/XX/XXXX to XX/XX/XXXX ). There was also no notification of cancelation of policy to the mortgage co. 

Both reps of First Citizens indicated that the original info must have been lost when the banks merged and that it was my responsibility to provide them with proof or I would be charged for a policy to cover the time period of XX/XX/XXXX to XX/XX/XXXX. 

I am not responsible for the gross incompetence of the bank, their staff and the failure of First Citizen 's to maintain records and feel that this action is an attempt by First Citizens to extort money from me. 

Incidentally First Citizens also services two other mortgage loans and a equity line of credit in the same city. I do not pay escrow on either of these loans, and the insurance on the other two properties are paid annually from XX/XX/XXXX to XX/XX/XXXX. 

Thank you for your attention to this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Cell XXXX H- XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Debt collection

Basically, a company called " Delta Management '' had been calling me saying I owed money because I had a defaulted state loan from the XXXX XXXX XXXX XXXX. They said the debt was not paid on time, so they took the loan, they said they tagged extra money onto the loan, and I need to pay it. I asked if it was a scam, because they ask me my birthday, SSN, before they say anything, and it seemed very sketchy at first. But I have been paying XXXX $ /month for years now. I saw some people review online that the company was a scam, and I just wanted to make sure I haven't been scammed. Can you please help me with this issue? I am happy to provide my information later.
Product: Checking or savings account

I ordered a visa debt card with Bank of America and I tried to tell them that I want a design in my name only but they tell me no you can't because a family member has to get it as well I tried to tell them she does not want it she likes the default card I like to use the XXXX XXXX XXXX and they still never fixed my issue
Product: Credit reporting, credit repair services, or other personal consumer reports

My state and the applicable federal regulations and standards for proper lawful reporting requires that any injurious claim of delinquency and or derogatory information be factual and physically verified reporting standard ( s ). The inability to validate and certify compliant reporting is grounds to demand deletion of claims, and this is my contradiction and denial to any negative implication and my right to insist such reporting be deleted immediately. Please supply the following information in complete detail : These inquires were not by permissible purposes and I want them deleted immediately and then send me an updated credit report within 15 days. 

Unless you can provide actual evidence of each inquiry concluded from a specific company with signature, location, and date, this would be considered unauthorized review for my credit as I have not given this company a reason that I would conclude to do business with them as I mentioned to them I did not want them to review my credit. 
Apparently, they did and that is illegal on their part. Investigate this with them and have each inquiry that was not justified or given permission by me to do so. 


XXXX XXXX Inquiry from XX/XX/XXXXXXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXXXXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXXXXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXXXXXX XXXX  Inquiry from XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXXXXXX XXXX XXXXXXXX Inquiry from XX/XX/XXXX 2020
Product: Debt collection

I am wondering how stupid are these ERC treating me. There is no money i owe from them plus I am still  XXXX   XXXX  customer cor the last 7 years. Had I owe money from them, they would have brought me a clear evidence.  XXXX   XXXX  reported mw to this collection agency. I DONNOT OWE ANY MONEY FROM THEM. Period
Product: Mortgage

My wife and I were approved for a trial period plan for possible modification of our mortgage loan. I ask our single point of contact how would the trail payments be reflected on our credit reports, he mentioned as long as you make your full agreed payment amount within that month you will be reported " current '' to the credit bureaus. We just recently discovered our mortgage is being reported 60 days past due. My wife and I value our credit history, we are very disheartened by being mislead by our single point of contact. Please do what you can to honor your commitment so we can continue having a good relationship with Freedom Mortgage. 
XXXX, Ohio XXXX Loan # XXXX
Product: Credit card or prepaid card

I used a balance transfer offer that had to be posted by XX/XX/XXXX. I deposited it in my checking ( {$7100.00} ) ( XXXX XXXX ) XX/XX/XXXX. XXXX XXXX says Fifth Third was notified on Monday ( XX/XX/XXXX ) and Tuesday ( XX/XX/XXXX ) that the balance transfer check was deposited. Fifth Third acts like they received nothing. I feel it is their intention to stall it off till XX/XX/XXXX. At that time they could get out of the deal AND charge me {$240.00} transfer fee for a 21 % cash advance. The " customer service '' operator at Fifth Third said that sometimes it may take 2 weeks for confirmation. Ridiculous, it is not XX/XX/XXXX!!.
Product: Credit reporting

My cell phone with my drivers license debit card and social was stolen from the XXXX XXXX in XXXX 2015. I filed a report with the casino and canceled my cards and ordered a new phone. It was n't until XXXX 2015 I got a statement from a credit union I never heard of which made me realize my identity had been stolen.The person had open an account and received a payday loan not to mention applied for cars online. Ive been battling with the credit bureaus ever since. Some of the info has been deleted except the XXXX hard inquires that were not authorized by me. Even XXXX is XXXX and Ive been with XXXX for 8 years. I have a fraud alert and I plan to put a freeze on my credit once I get this straighten out. Please assist me with this matter.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute the inaccuracies related to my Social Security account due to the breach that occurred in XXXX. My name is XXXX XXXX, And I believe that my personal information has been compromised, leading to unauthorized access and potential misuse. I request a thorough investigation into this matter and any necessary actions to rectify the discrepancies caused by this breach. Please find attached any documentation that supports my claim, including [ list any relevant documents, such as identification, proof of address, or any notices received ]. I would appreciate your prompt attention to this matter and a response at your earliest convenience. Thank you for your assistance. Sincerely, XXXX XXXX. 

Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX Reason : Unverified account Account Name : XXXX  ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Reason : Unverified account Account Name : XXXX Account Number : XXXX Reason : I don't recognize this account
Product: Credit reporting or other personal consumer reports

I am writing to request comprehensive documentation regarding the legal or equitable chose in action pertaining to XXXX XXXX for the inaccurate account information for XXXX XXXX XXXX XXXX showing on the credit file with Experian. In order to facilitate efficient proceedings and ensure all relevant information is accounted within the credit report for, we kindly request the following documentation : Copies of any contracts, agreements, or instruments related to the chose in action. Detailed records of any transactions, exchanges, or transfers involving the chose in action, including dates, parties involved, and transactions specifics. Information on any legal actions, claims, or disputes associated with the chose in action, including court filings, judgements, and settlements. Pertinent correspondence, communications, or notices related to the chose in action. Any other documents or records that provide insights into the nature, ownership, or status of the chose in action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM THE VICTIM OF IDENTITY THEFT. PLEASE HELP ME RESTORE MY IDENTITY. THE FOLLOWING ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME. PLEASE BLOCK THE FOLLOWING DATA FROM MY CREDIT FILE. PLEASE UPDATE MY ADDRESS TO THE FOLLOWING : XXXX XXXX XXXX XXXX, GA XXXX. 

PLEASE UPDATE MY PHONE NUMBER TO THE FOLLOWING : XXXX ACCOUNTS : XXXX  XXXX : XXXX XXXX XXXX XXXX : XXXX INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Equifax last time speaking on XXXX XXXXXXXX before taking legal action see file lets be done with this XXXX XXXX today
Product: Credit reporting or other personal consumer reports

I wrote trans union requesting they remove 6 various names on my report that I have never gone and I asked them to remove 14 addresses They removed both however put it all right back on. I wrote another dispute letter asking them to remove XXXX XXXX XXXXXXXX XXXX of being late I have remained in college this entire time and should have XXXX late payments They told me they verified and kept the late payments from XXXX XXXX XXXX on my report. I am the victim of identity theft and have 2 accounts, one in collection that I have no knowledge of and it remains on my report with no correspondence with me. Please help me rectify this situation I have been denied my house and other loans that I would have gotten if they were not publishing lies.
Product: Debt collection

I hearby request Validation of debt collection practice act ( FDCPA ). Statements alone are not sufficient evidence of debt. As establish in pacific concrete XXXX XXXX XXXX, XXXX XXXX  XXXX, a mere statement does not satisfy the burden of proof. therefore I request you provide : 1. The original contract or agreement. 2. A detailed accounting of the debt, including all charges and payment made. 3. verification from the original creditor that you have the legal right to this collection debt. Additionally, I demand that you cease and desist from all communication with me, as provided by the FDCPA. This includes, but is not limited to, phone calls, email, letters, or any other form of communication. Furthermore, this cease and desist request extends to any form of communication via my consumer reports. Thus, you must delete any entries related to this debt from all consumer reporting agencies. Equifax captit if you fail to comply with this request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Sent Out Dispute letter to update my address. And remove that address that not associate with me i receive proof of removal but it still on my credit report
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX . These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately.

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$690.00} XXXX XXXX XXXX {$690.00} Date Opened XX/XX/XXXX XXXX XXXX {$110.00} Date Opened XX/XX/XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$4600.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

What happened ( statement of pertinent facts ) : Consumer Name : XXXX XXXX XXXX Social Security Number : ( Private SSN ) Consumer Date of Birth : XX/XX/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 XXXX 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, inaccurate, and false information consists of the following accounts : 1. A credit card account opened at XXXX XXXX XXXXXXXX on XX/XX/XXXX, under the account number XXXX. 
XXXX. A personal loan account opened at XXXX XXXX on XX/XX/XXXX, under the account number XXXX. 
XXXX. A personal loan account opened at XXXX XXXX on XX/XX/XXXX, under the account number XXXX. 
XXXX. A credit card account opened at XXXX XXXX on XX/XX/XXXX, under the account number XXXX. 
XXXX. A credit card account opened at XXXX XXXX on XX/XX/XXXX, under the account number XXXX. 

These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question, as well as a copy of the consumer XXXX  credit report maintained by you, which shows the aforementioned fraudulent items. 

I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. These items were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 

I have also attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) 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. 

Let me know if any further adjustments are needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to both the creditors and the credit reporting agencies telling them to verify and validate the debts for which I have been getting nothing but pushback. All of my disputes which make 7 disputes asked them to show the method of verification of how they are reporting this information. Nothing except that the information is coming back as verified. Someone is not doing their job or the method they are using to verify is very flawed. According to the FCRA, all information is to be 100 % across the board. EVERYTHING IS TO MATCH if it doesn't match or can't be verified then that item must be deleted. As a consumer, I should not have to point out the discrepancies when they are the ones who are reporting the errors. I have repeatedly submitted to them that the information is inaccurate and needs to be fixed, yet I get NOTHING BUT THIS ITEM BELONGS TO YOU AND HAS BEEN VERIFIED. I am baffled as to how the items I am disputing are being VERIFIED. I have been disputing the same items for the last 7 months and because of the inaccurate reporting and not doing their due diligence of making sure the items being reported on the consumer file are 100 % correct I am now living on the street with nowhere to go because no one will approve me for housing ; due to low scores. Something needs to be done and trying to correct this information after I have shown where the inaccuracies are coming from should not be an option. I have given the creditors and the CRAs enough time to get it RIGHT. I NEED THESE ITEMS DELETED. I will also be sending a certified letter to my ATTORNEY GENERAL -- XXXX XXXX which this information as well to see what he says about the matter
Product: Credit card

I have filed multiple disputes with THE HUNTINGTON NATL BANK for Unauthorized Use of my Account while being incarcerated, Again Unauthorized Use, Identity Theft, Fraudulent Charges, NOT THE OWNERSHIP OF THE ACCOUNT. Every single Time I dispute these Unauthorized, Fraudulent Charges, THE HUNTINGTON NATL BANK respond by sending me a letter stating that they verified that this account belongs to me- THE HUNTINGTON NATL BANK own policy Zero Liability Protection - Zero Liability Protection means you won't be held responsible for unauthorized charges made with your card or account information. However, Every single Time I dispute these Unauthorized, Fraudulent Charges, THE HUNTINGTON NATL BANK act like they Don't Read my Dispute - So here, I'm requesting that CFPB investigate whether THE HUNTINGTON NATL BANK does comply with the requirements set forth in the FCRA. The Dispute is about unauthorized use of My Account by an Unknown Person while being incarcerated. I Dont want THE HUNTINGTON NATL BANK to respond by stating that this Account Belongs to me, If this Account didn't belong to me, I won't be disputing those unauthorized charges.
Product: Credit reporting or other personal consumer reports

My information was in data breach XXXX XXXXXXXX and wells fargo