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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

A company called me from this number XXXX XXXX XXXX XXXX, and told me that Orchard bank had discharge a debt XX/XX/XXXX and was not planning to take legal action, that I can offer a payment amount and see if they will accept it. I told them that I did not recall having a mastercard in default XXXX years ago. I told them that i will call my lawyer and get back with them in XXXX. XX/XX/XXXX. I felt like i was being presured into owning this debt.
Product: Debt collection

we have disputed this via XXXX  XXXX on XX/XX/2019 as well as sent a letter to the creditor on XX/XX/2019. Have not heard back from either dispute. We have no idea what this debt even is, and have tried to find out which has produced zero results.
Product: Credit reporting, credit repair services, or other personal consumer reports

Some how my wife and I without our knowledge was put on as authorized users on a account which we had no knowledge about through Capital One, we finally got a letter stating that we had been removed from said account in a letter XX/XX/2019 and it stated they had informed us we was removed XX/XX/2019 however my credit score is still -91 points
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/XXXX I applied for credit on a used car but when I arrived at the dealership for my appt. time, they sold it just prior to my appointment and tried to sell me another car I didn't want. On XX/XX/XXXX, I looked at some cars on the XXXX and the salesperson said I qualified for one of their cars but only offered me {$1000.00} trade in on my XXXX XXXX XXXX so disgusted, I turned down his offer, On XX/XX/XXXX, I purchased a new XXXX XXXX from XXXX XXXX, but AFTER I purchased it, an additional 6 hard hits came in thru XX/XX/XXXX. These 9 hits should be enveloped? as one due ( 1 ) to the car being purchased and I was unaware that hard hits were continuing and I don't believe they were authorized. 
Second, On XX/XX/XXXX, I was pre-authorized to buy a second car which my brother and I wished to purchase together. On XX/XX/XXXX we purchased a new XXXX XXXX and was assured that we were financed by XXXX XXXX XXXX  and was and due to the XXXX holiday, and the car needing pre-delivery update we returned after XXXX and took possession of the Car. The Hard hit 's continued thru XXXX for a total of ( 21 ) which should again be enveloped? as One (! ) due to they were not authorized and for a single purchase started on XX/XX/XXXX and accepted on XX/XX/XXXX.
Product: Mortgage

Bank of America is suing me for a home loan I never signed any documents for. 
XXXX XXXX XXXX XXXX Multi-pledged both my residence and I have submitted a complaint on this to you and was assigned case no. XXXX. I have tried to log in to see Bank Of America 's response. And your sight will not allow me to log in or send me a password so I can log in.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a followup complaint to complaint # XXXX. I have submitted a dispute with Experian, but the dispute website would not accept my supporting documentation. I have previously filed a complaint against Experian in order to get a fax number to fax my documents. They provided a very long winded response with no name attached. I need an explanation of why they can provide a long winded response, but can not provide a fax number where I can fax my supporting documents. My local library provides free faxing, so it is not reasonable to expect me to pay for postage to mail supporting documents. The explanation from Experian will need to include an author 's name. Their response to the complaint referenced above was cold and condescending. A more professional response to this complaint is required. I have attached supporting documents, so they don't need to contact my student loan servicer.
Product: Debt collection

I do not owe or recognize the erroneous debt of {$2700.00} which National Credit Systems have been reporting on my credit profile with the credit bureaus and have woefully ignored and failed to validate my request to legally validate my request per Section 609 of the FDCPA ( Fair Debt Collection Practices Act ) or delete it with deliberate speed. 

Thank you! 

XXXX XXXX
Product: Credit card

US Bank issued the XXXX credit card that I used. The current complaint is that my identity was stolen ( everything from Social Security number to password and all personal information ). The bank employees told me that they knew of the theft but did not contact me. Someone had called the bank and asked to change my password and address. The person had my personal identity information. I only learned of the theft when I called US Bank asking why they had blocked my use of my card when I tried to use it to buy printer ink. I talked to US Bank employees who basically said they were too busy to contact me. There were many earlier occasions when the bank blocked my card usage when I was outside my immediate home area. Each time I asked them to call me and ask if I used the card and was assured that they would do so. It did n't happen. 
I am a senior citizen.
Product: Checking or savings account

Citi bank closed my checking and saving account without any notification or communication, with a reason that I transferred funds from my wife 's bank account to the Citi saving account. Citi claimed that this was a " fraud '' and the system automatically closed my accounts. I contacted Citi 's customer service and fraud department numerous times, they were to provide any explanation why this was a fraud and unable to provide any help to resolve the issue. Citi 's action has resulted in the inaccessibility of a significant fund and losses in interests.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX ( XXXX XXXX XXXXXXXX XXXX, 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 reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : ( XXXX XXXXXXXX ) ; ( XXXX ). Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to on time as they should be as I was NEVER late. Thanks
Product: Checking or savings account

I filed a complaint with Navy Federal due to fraudulent activity on my account. Despite setting up a passcode to restrict access solely to myself, they still permitted my daughter to call in and transfer {$5000.00} at a time to her account. Although I initially received a refund after complaining, Navy Federal later refused to return some of the money, claiming these transactions did not occureven though I provided evidence to the contrary. After escalating the issue and proving that it was indeed my daughter who made the withdrawals, Navy Federal threatened to close my account. Furthermore, they informed me that the Treasury Department requested a return of funds from a check deposited in my account. However, upon contacting the IRS, I was informed that no such request had been made. It appears that Navy Federal is providing false information and attempting to close my account due to their own errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

For years I have disputed the existence of the inaccurate account on my credit file listed by XXXX XXXX. I am the victim of identity theft. I have corresponded with this company numerous times with no positive recourse.

I NEVER had an account XXXX XXXX.
Product: Vehicle loan or lease

Equifax did not update my auto loan with XXXX XXXX XXXX XXXX in XXXX and is reporting inaccurate information. I have already tried to get XXXX to update it correctly 2 times, XX/XX/XXXX and XX/XX/XXXX. 

I have included my XXXX report for my auto loan to show that they reported it to them on XX/XX/28, which shows I am current.
Product: Mortgage

PennyMac received my loan in XXXX from XXXXXXXX XXXX PennyMac paid my XXXX insurance premium and was notified of the XXXX premiums for insurance that were due. PennyMac did not pay my XXXX home insurance premium. XXXX ( home insurance ) therefore terminated my homeowners insurance. Neither XXXX nor PennyMac notified me of the loss of coverage on any platform. My escrow account has enough to pay for any premiums, and I have never been late on a single mortgage payment. 

My house was burglarized on XX/XX/XXXX and I was unable to file an insurance claim due to a lapse in coverage. 

When speaking to a PennyMac representative, backup insurance was offered, but it only covered home damage, not lost or stolen items. I was also told by the representative that I should have contacted XXXX to inform them that I had switched from XXXXXXXX XXXX to PennyMac when I received the welcome letter from PennyMac. This was told to me by the representative before I discovered that PennyMac was already aware of which insurance company to pay, having paid the XXXX premium. 

XXXX and PennyMac should have notified me of my termination of coverage. PennyMac should have paid the premium.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to XX/XX/XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
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 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

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is ( XXXX ), filed on ( XX/XX/year> ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 
Request XXXX request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has obtained my nonpublic personal information through fraudulent means and financial identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is in unlawful possession of the consumers private financial information and have used and shared it with third parties which include but may not be limited to consumer reporting agencies without authorization for the purpose of monetary gain through extortionate means. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has intentionally and knowingly omitted and distorted facts regarding consumers nonpublic financial information in exchange for monetary gain. This misuse of nonpublic financial information for a fraudulent financial action was publicized by Transunion, LLC through a consumer file. In XXXX of XXXX, consumer received a letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via U.S. mail service to defraud consumer which has caused consumer financial harm and brought injury to the consumer. This unauthorized publication has deprived me of right to privacy, caused significant harm resulting in financial loss, loss of opportunity, defamation of character, subsequent mental anguish, and has exposed me to the risk of further financial identity theft. Here is a list of Tennessee State statutes and United States codes that were violated by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and/or Transunion, LLC Tennessee XXXX XXXX ( XXXX ), Tennessee Code XXXX ( XXXX ), ( 18 USC 894 ), 18 USC 1028A ( a ), 15 U.S. Code 6802, ( 18 USC 242 ).
Product: Debt collection

I faxed as well as supplied the clerk of courts in XXXX county XXXX XXXX, SD a copy of a cease and desist letter to Credit collections this cease and desist letter at this time which was part of a suit against me also supplied a current address at the time since they were using a former address and family member to serve me as well as send letters knowing this was not and had not been my current address since XXXX. They are constantly calling my cell phone and obliviously using still my former address since I have not received XXXX letter from them at the correct address which was valid up to XXXX XXXX, XXXX. They have gone so far as having me served at the former address where ex family member thought it was important they actually accepted the documents thinking it was an emergency. They have also called my children phone numbers since XXXX which the cease and desist letter also states not to call those numbers or any 3rd parties numbers either which they have also. By sending information to non authorized 3rd parties they are also violating XXXX laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian did not investigate an account on my credit profile for XXXX XXXX XXXX XXXXXXXX this is not my accout and I have never had an account with them Experian did not invesstigate an account on my credit profile for Dept Of Education/ XXXX this is not my account and I have never had an account with them
Product: Checking or savings account

My wallet was lost/stolen on XX/XX/2020. I did not realize it until late XX/XX/2020. XX/XX/XXXX I made arrangements with my employer to travel to Florida to get my social security, drivers license, and new debit card. I reported it to Wells Fargo on Friday XX/XX/XXXX. On Sat XX/XX/XXXX I was called by Wells Fargo that I was in overdraft on my account. I was then informed that someone had cashed 6 checks of {$950.00} each ( {$5700.00} ) under my name and had been returned unable to locate/ altered fictitious. ( Cashing 6 checks would trigger a red flag. ) Therefore my bank withdrew {$5700.00} from my account. I filed police report on XX/XX/2020. Wells Fargo initiated their investigation and I was informed today that they closed the investigation and found " it was made by you or someone who had your permission ''. My wallet was taken that had ALL my identifications. The checks were cashed in XXXX XXXX while I was at work in XXXX, South Carolina.
Product: Debt collection

On XX/XX/2020 I sent a debt validation letter to Rhodes , Kelly & Associates Inc. They failed to validate the debt by sending a bill back as proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been mailing letters requesting that items on credit report be verified with detailed information sent to me, as well as other information that were reporting inaccurate to be removed, and lastly I have gotten no response from them in regards to my requests. I have not been notified when an investigation was launched yet alone if it was completed. This problem has existed since XXXX of XXXX. It frustrating because the inaccurate information and unverified accounts are causing mishaps in my finances.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXXXXXX and Navy Federal Credit Union were contacted by mail informing them of my decision to opt out pursuant to 15 USC 6802, 16 CFR 313.7, and the Privacy Act of 1974.
Product: Credit reporting or other personal consumer reports

A few months ago, I filed a complaint against Goldman Sachs. Shortly after, they closed my account without my consent. Prior to the account closure, my Apple Card was charged multiple times by various merchants, even though I only authorized the initial transaction. They reactivated the disputes, and I paid all of them and paid off my balance. 

I had ongoing disputes on my account that I was unaware of, and they did not notify me about them. After my account was closed, two disputes were reactivated, and since I wasnt checking the closed account, I incurred late fees. Additionally, they reported a negative XXXXpoint score on my credit without attempting to contact me or send a notification.
Product: Debt collection

I don't recall having a contractual relationship with this collection company XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Debt collection

loan XXXX have attempted to get a loan modification several times Ditech has used my social security number without my authorization Ditech says this is a factor to qualifying for assistance and modification which they can not do Ditech has pulled my credit without authorization Ditech now tells me that's their policy I never allowed it I have contacted the investor
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and I was shocked to learn that this account on my credit report was not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove this fraudulent account from my credit report as soon as possible.