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

On vacation in spring of XXXX, I went to visit my family in XXXX XXXX XXXX. While in XXXX, NY I lost my wallet. I searched for my wallet high and low with no success. Upon the realization that my wallet was gone, I contacted XXXX XXXX and XXXX. When I contacted the bank, I discovered that my bank account was depleted. There were also several unauthorized charges which included : XXXX monthly passes purchases, random locations based out of XXXX XXXX, NY, and several other unknown purchases. All of my identification and checks were lost including drivers license and social security information. I had to replace everything. Moving forward, I purchased a house for myself, spouse, and children in XXXX and became ill due to complications as a XXXX XXXX Veteran. Therefore, I was medically retired in the Spring of XXXX by the Department of Veteran 's Affairs. During this process, I ordered my credit report because of the denial of credit application. I discovered that there were numerous fraudulent charges that I was unaware of. I contacted XXXX XXXX and Experian about these charges. Sending requests to dispute, these fraudulent charges, these accounts had already been sold. Despite this I sent I contacted XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX because they were the charges that I did not authorize and had no knowledge. I reached out via certified mail and telephone correspondence. I received a letter XXXX/XXXX/XXXX from XXXX XXXX that stated- unable to locate an account. I completed a police XXXX for transactions. Despite writing letters to XXXX and XXXX on XXXX, XXXX. I have yet heard back from XXXX or XXXX as these accounts have been sold. Per XXXX I submitted my police report information and FCRA 605b, identification for verification of identity. There has been no resolution. I received a letter from XXXX XXXX XXXX XXXX on XXXX with my no signature or contract. After three months of writing letter, there is no validation or attempts to reconcile this injustice. Equifax refuses to correct this injustice and I have complied with all requests to get the issue resolved. I am reaching out to your agency for assistance because I have diligently worked to remove fraudulent accounts. Therefore, I can not risk or afford for my credit to be impacted in such a negative manner when the transactions were not authorized and can not be validated by the debt collectors. 
XXXX has placed the debt twice on my report, illegally. I have contacted the credit bureaus, numerous occasions stating the previously. I have filed on XXXX, XXXX, and XXXX I have formally requested via certified mail, please assist this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act EXETER FINANCE 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 Exeter reported to XXXX that I reside at XXXX XXXX XXXX # XXXX XXXX, Ca XXXX when in fact I do not reside at XXXX XXXX XXXX and the company knows that. I submitted a complaint 78 days ago for the company to be removed from my credit report due to violated multiple federal laws and according to my credit report Exeter finance reported a false address on my report and refused to be removed when I submitted a complaint on XX/XX/. This is a complete violation of my federally protected rights.
Product: Credit reporting or other personal consumer reports

MY ex XXXX XXXX has been holding my mail opening it and reading it. I finally placed a hold on my mail about a month ago He lives at XXXX XXXX XXXX XXXX XXXX XXXX XXXX HE has been in my mail since XXXX. I have gotten another report from XXXX about my lease again They are going to repossse my car again This happened to me before because of him On my hold mail I get a letter from XXXX XXXX XXXX XXXX about being in arrears with my loan and Visa card I always had a good credit rating XXXX Now I get a letter from XXXX that my credit rating is XXXX All this is because of him I complained to USPIS and they done nothing about him He pays people off to do his dirty work Legal Aid told me I cant do anything about him because he always uses third party He knew my XXXX XXXX XXXX had someone pulling it Then I learned he was sending all of my mail to his XXXX XXXX XXXX XXXX address He has ruined my credit rating And on my Experian credit report last year he was still listed as my spouse I have been divorced from him since XXXX He does not work and lives off of me He has stolen my court documents my lawsuit and his sister XXXX XXXX XXXX changes things around on the computer for him He cant read or spell
Product: Debt collection

Someone called from XXXX saying they are trying to contact my son says that he owes money ( which he does n't ) and to call XXXX at XXXX call two to three time per day and it 's very aggravating.
Product: Debt collection

I am writing to you in regard to a matter of utmost urgency concerning fraudulent accounts and identity theft reflected on my credit report. Upon reviewing my credit report, I have discovered accounts that are the result of identity theft, and I am requesting the immediate removal of these fraudulent entries. 

I want to emphasize that I did not open or authorize these accounts, and I believe I am a victim of identity theft. I am deeply concerned about the potential harm to my financial well-being and creditworthiness, and I am taking immediate steps to rectify this situation. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that you conduct a thorough investigation into the legitimacy of these accounts and take swift action to remove them from my credit report. I have attached supporting documentation, including a copy of the identity theft report I filed with law enforcement, as well as any additional evidence that may assist in your investigation. 

XXXX XXXX XXXX XXXX - FRAUD, PLEASE DELETE!!!!! 
XXXX XXXX XXXX  - FRAUD, PLEASE DELETE!!!!! 
XXXX XXXX  - FRAUD, PLEASE DELETE!!!!! 

XXXX XXXX XXXX XXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

I demand quick corrective action to address the errors that are still damaging my credit score because I am furious that this dispute is not being resolved. 


I appreciate your prompt attention to this matter and your commitment to protecting consumers from the serious consequences of identity theft. If there are any additional steps or information required from my end, please do not hesitate to contact me.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to formally request a Form 1099-C, Cancellation of Debt, in connection with an account under my name that was charged off by your institution and subsequently reported as such on my credit report. As outlined in IRS regulations under Section 6050P of the Internal Revenue Code, creditors are required to issue a Form 1099-C when a debt of { {$600.00} } or more has been canceled or discharged. It is my understanding that since the charged-off debt has been written off by your institution, it constitutes a cancellation of debt, and I should have been provided with the appropriate tax documentation in accordance with the law. Failure to provide a 1099-C form for canceled debts could be considered a violation of the IRS reporting requirements, which obligates creditors to report forgiven or discharged debts in excess of { {$600.00} }. It is essential for me to have this form to accurately report the canceled debt on my tax returns, and I would like to resolve this matter in a timely manner to ensure compliance with all relevant regulations. Please send the 1099-C form at your earliest convenience, either to my physical address or via email at XXXX Should you require any additional information or documentation from my end, I am more than willing to cooperate to expedite the process. Thank you for your prompt attention to this matter. I look forward to your response and resolution of this issue.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

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

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX [ Date ] To : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX TransUnion XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Subject : Request to Correct Personal Information Following National Credit Breach Dear [ XXXXTransUnion ] , I am writing to formally request the immediate correction and removal of inaccurate personal information from my credit report. I am concerned that my personal information may have been compromised as part of a national credit bureau data breach. The inaccurate information being reported is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and Texas Business & Commerce Code 20.06. 
The correct information is as follows : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, Texas XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Phone Number : XXXX I demand that any names, addresses, phone numbers, employment details, or other personal information inconsistent with the above be deleted immediately. 
Impact of the Breach : The XXXX XXXX breach and subsequent breaches involving credit bureaus underscore the need for robust protections of personal data. As a consumer, I am deeply concerned that incorrect or unverified information may result from such incidents, leading to potential identity theft or credit inaccuracies. Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to implement
Product: Credit reporting, credit repair services, or other personal consumer reports

Conducted several free triple pulls through different methods. I identified incorrect information and submit the dispute on line and in writing. The following year the in correct and out dated information is still on my credit report. 

XXXX account opened in 2011 with a balance of {$850.00} Old loan  accounts Closed accounts my ex-wife first name as current wife.
Product: Mortgage

On Tuesday XX/XX/2019 I contacted Mr. XXXX at Mr. Cooper 's Home Loans to refinance my current mortgage held by Mr. Coopers. Mr. XXXX indicated that based upon my circumstances he recommended that I refinance the house in order to lower my payment. I have a copy of the e-mail where he made the recommendation. He then indicated that I needed to go on and complete the application and provide the supporting documentation in order to close the refinance. I went online and completed the online application and submitted the appropriate documentation. On XX/XX/XXXX I emailed MrXXXX XXXX and informed him that I had submitted all of the paperwork and wanted to know what were the next steps. He emailed me back indicating that he wanted to make sure " we were on the same page ''. I did not hear back from him again and then when I went online and my refinance was completely removed online. I then contacted Mr. XXXX again from XX/XX/XXXX to XX/XX/19 with no response and no updated phone call. I then contacted Mr. Cooper regular customer service and they couldn't provide an answer. I then talked with a mortgage associate named Mr. XXXX and he indicated that he would not issue me the refinance because he thought I was better off in my current loan. I then contacted MsXXXX XXXX who is the manager for both mortgage associates and she agreed that my refinance was not handled correctly and that she would work to get it put back together and have it completed and that it was my decision to refinance not the mortgage associates. I then received a call again from Mr. XXXX and was told that I needed to stay in my current mortgage. I then contacted MsXXXX XXXX and Mr. Cooper 's Consumer Affairs and have not received a return response from anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a XXXX XXXX in XXXX and a pair of shoes and a mat. They sent the bike and then the mat & shoes later on. They ( XXXX ) in error charged me for whole another bike. i made payments on the one back and to XXXX and Affirm the error. They said they would correct the error and refund the money. i informed them I was not going to pay XXXX $ becasue I was already paying on the only bike I have. And I only owe for the mat & the shoes. They agreed and said they would fix and notify firm who was the credit company that gave me the loan for the Bike. I started a complaint & dispute with affirm they said they was working on it. 

Afirm sent a response to me and said as of XX/XX/ they have not received a refund and I did not see a refund on my affirm account. then on XX/XX/ they said they said they see the return ad it was credited on XX/XX/. I was never notified by Affirm or XXXX of this credit refund all I saw was the XXXX listed on my account. I called XXXX XX/XX/ to see what the status was they said they had been sent the refund to Affirm. I called affirm the same day and said it was true they had refunded them and my balance now was XXXX 3 days later I paid the entire balance off. 

15 days later I got a ding on my credit report from XXXX saying this account XXXX falsely charged was 30 days past due and later I got hit with a 60 day past due amount for the XXXX. I disputed with XXXX, they came back and said affirnm said they are reporting correctly. 
I never was 30 days or 60 days behind as of XXXX  Affirm representative XXXX said he did not see the refund.to my account I paid it 30 days later and then on XXXX XXXX XXXX and affirm representative said she see the refund back in XXXX and no one from XXXX or Affirm contacted me about the change. 

I need to have this remove on my credit report my accurate amount was XXXX which I paid. I can never be late on a Fraudulent or a duplicate charge of XXXX. 

Please I need help with this this have dinged my credit scorXXXX XXXX point just off the 30 days late.
Product: Mortgage

Im trying to get immediate foreclosure assistance and I also have a large problem with my homeowners insurance that 4 months after filing a claim a theyve now denied my claim, further suggested my claim is fraudulent and have tied up all my accounts. 
They never even sent an adjuster to my house or provided me assistance in filing the claim properly but did take my {$1000.00} deductible for the claim. 

Im XXXX and Ive had some harsh hardships this past year, but suggesting fraud is obscured, to avoid paying a claim and at the time I filed my claim I was not even behind on my mortgage. 

Im now 5 months behind, no current income but only expect this to be short term. But do to the county lowering my property value due to damages and the damages themself, I cant sell the house either I also applied for mortgage assistance with my lender at the time, Wells Fargo, and they sold my loan to some unknown bank XXXX XXXX XXXX 2 months into the modification process and dropped me and within days XXXX XXXX XXXX XXXX denied my application and started sending threatening foreclosure letters and would not look into additional options only denied me because of income to debt ratio. 

Wells Fargo advised me to not make payments during modification application process, so I didnt either. 

Now every company I call for help will not offer me assistance Can you please help me immediately ~ Thank you XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, CA XXXX
Product: Credit reporting or other personal consumer reports

Complaint Regarding Inaccurate Late Payment Reporting I am writing to formally file a complaint against XXXX XXXX XXXX  for their failure to correct inaccurate late payment reporting on my credit report. Despite my credit card payments being made on time, they continue to report late payments, which is negatively affecting my creditworthiness and causing me financial hardship by limiting my ability to purchase a vehicle or home.

Under the Fair Credit Billing Act ( 15 U.S. Code 1666 ( b ) ), I am disputing this inaccurate information, and I am requesting an immediate correction. Furthermore, under the Truth in Lending Act ( 15 U.S. Code 1637 ( a ) ), I have the right to receive accurate billing information, which XXXX XXXX XXXX  has failed to provide. 

Additionally, this inaccurate reporting is a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that all information reported to consumer reporting agencies must be fair, accurate, and substantiated. Reporting false or outdated information violates my rights under the FCRA and constitutes an unfair and deceptive practice. 

I have previously contacted XXXX XXXX XXXX and the credit bureaus to dispute these inaccuracies, but no action has been taken to resolve this issue. As a result, I am now seeking the CFPBs intervention to ensure my rights as a consumer are upheld. 

Thank you for your time and prompt attention to this matter. I look forward to your response and a resolution to this complaint. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove/block these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXXXXXX XXXX XXXXXXXX XXXX XXXX TX XXXX Date Updated : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Owed : {$2300.00} ; XXXX XXXX Balance Owed : {$5500.00} ; XXXX XXXX Balance Owed : {$14000.00} ; XXXX XXXX Balance Owed : {$2700.00} ; XXXX XX/XX/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 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
Product: Credit reporting or other personal consumer reports

My credit score changed a month ago to exceptional to very good credit there is nothing reported to make my credit score dip into a lower category of credit and I would like and answer from all XXXX  big credit reporting agencies
Product: Payday loan, title loan, or personal loan

An unauthorized ach debt payment was taken out my account for the amount XXXX and and additional XXXX on XX/XX/30. Called lending once I was made aware of overdraft fees from my XXXX XXXX account due to insufficient funds. Other payments I made was getting bounced and rejected because of the XXXX taken out my bank account. Called lending club XXXX and XXXX representatives submitted a refund incorrectly along with a supervisor. Called back that evening to find out if the refund was approved. Lending club representative said it was filed incorrectly and refiled the refund and said they would put a rush on it. Called lending club back XXXX and again talked to XXXX respresentives XXXX was a supervisor. XXXX they couldnt put a rush on the refund and there waiting nothing they could do it takes 7 business days to processing. I was told told to send in the overdraft fees as well and they would take care of that. Did that but No one can find a submission of that either. My family has been put in a finically dire situation due to them. Our utilities and food expenses are not being able to be met due to their error.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against [ EQUIFAX ] for Repeated Violations of the Fair Credit Reporting Act and Request for Deletion of Inaccurate Account Information Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against [ EQUIFAX ] for retaining inaccurate account information on my credit report despite multiple violations of the Fair Credit Reporting Act ( FCRA ), and to request the deletion of the inaccurate account information and legal action against [ EQUIFAX ]. 
Account Information : Creditor Name : XXXX  Account Number : XXXX Despite providing clear evidence of the inaccuracies in the above-referenced account and requesting its removal from my credit report, [ EQUIFAX ] has repeatedly failed to comply with the FCRA and has retained the inaccurate account information. This ongoing non-compliance with the law has caused me financial harm and distress.

The violations committed by [ EQUIFAX ] include but are not limited to : - Failure to conduct a proper reinvestigation following multiple disputes - Failure to delete inaccurate information as required by Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA - Failure to adhere to 15 U.S. Code 1681i ( 5 ) by retaining inaccurate account information I am requesting that the Consumer Financial Protection Bureau investigate this matter and take immediate legal action against [ EQUIFAX ] for its repeated violations of the FCRA. I am also seeking the immediate deletion of the inaccurate account information from my credit report and appropriate measures to ensure that [ EQUIFAX ] upholds its obligations under the law. 
Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue and holding [ EQUIFAX ] accountable for their actions. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never done any type of business with XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX. The accounts are errors 623,611 609 FCRA and need to be removed at once. I am in the middle of closing on my new home and these errors are holding me up from my new home purchase. I have attached a copy of my ID and SS and a request for a NEW UPDATED CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a XXXX credit card today XX/XX/20 and I was not approved because apparently there are a few accounts in negative standing appearing on my credit history. The accounts are from these companies ; XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have never opened an account with those companies nor am I affiliated to them in any way. I don't know who is responsible for those accounts but I did not allow anyone to open them on my behalf. I did not benefit anything from these accounts such as money, goods, services or any other benefit. I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau.
Product: Checking or savings account

I had an account with Venmo for several years with zero issues and out of nowhere my account was suspended for violation of terms and conditions. When I asked what a I did to violate their terms I was advised that they could not tell me and terminated my account. This has created complications for me as I used the account to send money to my sisters and my children