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

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

I do not agree they did not remove fraud Account PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY! 

I HAVE ALREADY DISPUTE THIS FRAUD ACCOUNT EVEN BEFORE THIS IN XXXX. I HAVE MADE AN IDENTITY THEFT CLAIM IN XXXX AS WELL THIS FRAUD ACCOUNT SHOULD HAVE BEEN REMOVED WITH IN 4 DAYS OF RECIEPT OF COMPLAINT!! ALL COMPANIES INVOLVED IS NOW IN VIOLATION OF THE LAW " FAIR CARES ACT ''
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX XXXX, I do not have a contract with XXXX XXXX XXXX, They did not provide me with the original contract as I requested. XXXX XXXX XXXX called me and said I have to pay that debt i told them that I refuse to pay because I am not responsible for this debt, i also told them to send me the original contract with my signature on the original contract that I signed but until XXXX XXXX XXXX proved me with the original contract they have to remove asap from my credit reports. 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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$790.00} ; XXXX XXXX XXXX XXXX Balance : {$100.00} ; XXXX XXXX XXXXXXXX Balance : {$11.00} ; XXXX XXXX XXXX Balance : {$310.00} ; XXXX XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

# XXXX XXXX ... XX/XX/XXXX # XXXX XXXX XXXX ... XX/XX/XXXX # XXXX ... XX/XX/XXXX # 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.. XX/XX/XXXX # XXXX.. XX/XX/XXXX # XXXX ... XX/XX/XXXX # XXXX  XXXX ... XX/XX/XXXX # XXXX XXXX ... XX/XX/XXXX # XXXX ... XX/XX/XXXX # XXXX ... XX/XX/XXXX These are inquires that I do n't recognize!!
Product: Credit reporting or other personal consumer reports

CELTIC/COUT account # XXXX is reporting to transuion collection and last active date on XX/XX/XXXX and a last reported date on XX/XX/XXXX, XXXX is reporting a active date of XX/XX/XXXX and last reported date on XX/XX/XXXX, on Account # XXXX, and Equifax is XXXX a last reported date of XX/XX/XXXX and a last active date on XXXX 

all this incoorect information on my credit file is hurting me ... and not mine to began with please delete and remove from my crdit profile
Product: Credit card or prepaid card

On XX/XX/XXXX, I was approved for a Chase Amazon XXXX Rewards Card. In the 5 years that I have had the card, I have used it legally and consistently ( the card is linked to my Amazon XXXX membership, which I use extensively ). Copies of the card statements show that there was never any problem with repayments or any aspect of the account. Any credit is currently paid off and I owe {$0.00}. My credit limit was increased by Chase Bank over the years ( because of my proper use and credit history ), and currently is {$13000.00}. [ I am attaching copy of my credit card statements ] On XX/XX/XXXX ( over four years after having been approved for the credit card ) I received a letter from Chase Bank ( written XX/XX/XXXX ) stating : " After careful consideration, we have decided to close your credit card account because of your association with a Chase credit card, deposit or investment account that was previously closed. '' ( and specified the last 4 digits of my Chase Amazon XXXX Rewards card ). I am not aware of any accounts that I have had at Chase, or why closing them would affect the standing of my credit card. I had a mortgage loan at Chase over several years, and it was fully paid off in XX/XX/XXXX. [ I am attaching copy of the letter ] I immediately called the customer service telephone number on the back of my card, and was told that the only way to obtain more information was to write a letter to the Chase Bank Executive Office at XXXX XXXX XXXX XXXX XXXX, OH XXXX. It was the weekend, so I waited until Monday to see if I could receive additional information through my local Chase Bank branch. 

I drafted a letter to the Chase Bank Executive Office and sent it. I have not received a response. [ I am attaching copy of my letter ] On Monday XX/XX/XXXX I went to the XXXX XXXX branch of Chase Bank and spoke with XXXX XXXX ( Private Client Banker ). He could not see any additional details or notes on his computer, so he asked for some time to contact other departments of Chase Bank. 

I returned to the branch on XX/XX/XXXX and XXXX XXXX had not been able to obtain any additional information. But he expressed surprise that my credit card would be closed, since my record looked perfect in all the time since I was approved for the credit card.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Equifax for myself, XXXX XXXX last four Social Security number is XXXX DOB : XX/XX/year>. Please delete the following accounts. 

XXXX XXXXXXXX balance {$73.00} XXXX XXXXXXXX balance {$62000.00}
Product: Debt collection

I recently, requested copies of my credit files. From all three credit bureaus, XXXX, XXXX XXXX, and XXXX. Once received I reviewed all three reports and there were accounts on my that I had no knowledge. And several that were from collections agencies. So i was advised to file disputes of the accounts in attempts to get the inaccurate, and darogatory information deleted. After, a couple of disputes I got information from the major three credit bureaus. Stating that the information reported was reported by the collections agencies. Was correct, in my dispute I detailed that I needed detailed information. Such as my signature on original contract, loan numbers, year account was opened etc. None, of this information was provided on the information that was placed on such as accounts, amount owed on the accounts, and re-aged dates on accounts. I am needing help in the process of getting the accurate information concerning these accounts. I have also ben advised by all three credit bureaus they would not re-investigate any of my disputes. Unless, I could provide further information on the accounts. I don't have any further information accounts, not aware of accounts. I have requested information by sending a letter of validation of debt, original account signature of credit, original date when account was opened.To all three credit bureaus, notating that a copy of the letters would be sent alone with a complaint filed to the Consumer Financial Protection Bureaus. It is my intention to get down to bottom of these daragotory accounts and get them removed from my account..
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX am a victim of identity theft and fraud. TRANSUNION IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 2nd ATTEMPT WRITING TRANSUNION ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.
Product: Credit reporting or other personal consumer reports

The hard inquiries mentioned are not recognized or authorized, therefore I would like them to be removed. 

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

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX {$1100.00} XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$680.00} XXXX   XXXX  XXXX {$370.00} XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX {$1600.00} XXXX   XXXX {$19000.00} XXXX XXXX XXXX {$330.00} XXXX/XXXX  XXXX {$530.00}
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. us bkpt ct XXXX XXXXXXXX refrence number XXXX, XXXX XXXX XXXX  account number XXXX, us dept of education account number XXXX has violated my rights 15 usc 1681 section 602 a states i have a right to privacy 15 usc 1681 section 604 a2 section 2 it also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

Under 15 USC 16c-2, I request the immediate removal of all incorrect and unauthorized hard inquiries.
Product: Student loan

Unresolved Private Loan Complaint. I am trying to communicate with SallieMae about struggling to make payments and they offer no options besides to continue paying. They constantly harass my co-signer and even when I continue to make the minimum payment. I am close to defaulting and they refuse to help. However, I still make the monthly payment except it is considered late because I have a balance I can not fully cover. It is affecting my credit score and causing a lot is a lot of stress even when I still try making the monthly payment. My first issue is I originally had applied for this loan online but because there was an error I made I contacted support and they assisted me to cancel and reapply over the phone. Though I do not recall ever agreeing to the current plan I am on which is in-school interest payments plan. Therefore I had requested multiple times for them to go back to this call and reassure me that it is what I had agreed to. They never get back to me with this information and only ask me to keep paying. They provide the worst service even as a full-time student where they dont really help. They tell me I am making the minimum payment required yet the current payment plan I am on is the same as the original plan I am told I had signed up for. So I am not sure how this helps in any way. I have asked them if they could change it to forbearance but they say once I agree to terms I can not make changes. Feels like a trap to me when signing up with them. Another issue is the school Itself to where I used to pay these loans toward to. I am no longer in that school as it left me without a choice along with this massive debt that I feel seems fraudulent and also in the process of looking to file a complaint. This also prevents me from getting the potential financial help for my current school. But most importantly as of now I need this issue with SallieMae to be finally resolved. Please feel free to contact me at ( XXXX ) XXXX or email XXXX. 
Thank you.
Product: Debt collection

on XXXX XXXX i seen Genesis credit monitoring on my transunion account i reached out to them and they couldn't provide information
Product: Mortgage

We started a loan application for a small mortgage with Rocket Mortgage back in XX/XX/2019. The home we were purchasing was new construction and therefore we had to wait for completion of the home. 

We sent in early in the process all the documents requested. Our closing date was set for XX/XX/XXXX and we were under the impression all was ready to go. On XX/XX/XXXX, we received a closing settlement statement. At the time I informed Rocket Mortgage that they had the incorrect amount of money we had already paid the builder from earnest money and for change orders. They were {$100000.00} short of what we had actually paid. I tried several times to message them and have it corrected with no response. I finally signed the incorrect papers I believe on XX/XX/XXXX, a few days before the expected closing since I was not getting a response. On Tuesday, XX/XX/XXXX I was informed that they had received the paper and that they now needed 4 business days to review and that was pushing our closing back to XX/XX/XXXX. 

At this point we were very unhappy because if we had been responded to in our messages trying to correct the error it would have given us more time for all the requests that would be coming our way. Once they realized they were off {$100000.00} they began auditing our account and asking every single day for more and more documentation, pushing our closing back day, by day, by day! Additionally the people reviewing our documents don't know what they are doing and don't seem to understand what a financial statement looks like! Every day I send new items and every day they find something new they want. We are currently waiting as they review more of their request and no set closing date. 

We understand that they need to see where our money comes from but they have had almost 6 months to get what they supposedly needed, not request it the day before closing, making us wait for who knows how long to be able to close. We have showed them the statements showing the large deposit of money from the sale of our previous home into our accountant in addition to the settlement statement from that sale showing the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 Send a letter directly to the creditor send a letter directly to the creditor XX/XX/2020 Sent a letter to the credit bureaus I also sent a demand to comply letter
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft which occurred in XX/XX/2019. As it was happening I began monitoring the fraudulent credit inquiries. The next month the perpetrator purchase two vehicles under my identity, using a counterfeited State drivers license. As the months with my I was confused about what to do, I contacted the FTC and the three credit bureaus. I discovered that since the investigation was still ongoing I could not get a accurate police report. I spoke to the dealerships and I was told that the fastest way to expedite this problem was to get a police report. After I was able to get a police report I was not able to get in contact with the credit companies, I have reached out and I have left messages, I have personally went to dealerships. Ive been promised to be called back but still shrugged off. I have sent disputes to the three credit bureaus with detailed reports and all of the corresponding information. My delinquent accounts still will not be taken off my credit summary. I am sinking further into debt. I just want this to end.
Product: Credit reporting, credit repair services, or other personal consumer reports

First there is no record of my original complaint, so this is the second one to report. I have disputed my old accounts with all three credit bureaus recently. XXXX and XXXX have cleared my accounts as they were XXXX years old in Texas. I can not get XXXX to do the same. I sent them the same information and documentation for the accounts that are aging. They will not delete the accounts as they say they were verified and updated. I have an old credit report stating the accounts are to be removed XX/XX/2023 and XX/XX/2023 but they come up with a date of XXXX or XX/XX/2023. I have just sent letters to XXXX XXXX XXXX and Portfolio Recovery Associates to validate the accounts.
Product: Credit reporting or other personal consumer reports

There seems to be an identity theft going on my Transunion credit report as someone tried to apply for a credit card with the name XXXX XXXX on XX/XX/2024 without my consent or knowledge
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your help to REMOVE some items from my credit file that occurred because of a FRAUD yet I have certain items passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data 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 informed my lawyer regarding my objective and they are eager to consider you responsible for your negligence : XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$2600.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX Balance : {$780.00} ; XXXX XXXX XXXX XXXX Balance : {$570.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX  XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX PA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX PA ; XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Product: Checking or savings account

Fraudulent charges on atm card, bank wo n't work it out.
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. 
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 violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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. 

15 U.S.C. 1681B ( 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

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my XXXX XXXX. The XXXX Credit Bureau is reporting inaccurate information on CAPITAL ONE ( Account # XXXX**** Date Opened : XX/XX/2014 Balance : {$3200.00} ). This account is only being reported in on their Bureau. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.