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

This is my follow up complaint as an assurance that the XXXX, EQUIFAX and XXXX Credit Bureaus will take their responsibility seriously and will NOT be inattentive in my request for inquiry removal in my credit reports. Once more according to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. Again, here is the list of inquiries which do not belong to me or were opened without my authorization : XXXX : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Request for Removal of Fraudulent Items from Credit Report SSN : [ XXXX ] To Whom It May Concern, I am writing to formally notify you that I am a victim of identity theft and demand the immediate removal of fraudulent items from my credit report. This attempt to block the fraudulent accounts is being made by me, the rightful consumer, under 15 U.S. Code 1681c2 ( Fair Credit Reporting Act ), and the Identity Theft and Assumption Deterrence Act ( ITADA ). These laws entitle me to block any information resulting from identity theft on my credit report. 
The following accounts have been fraudulently opened in my name or affected by identity theft : [ XXXX XXXX XXXX, XXXX ] [ XXXX XXXX XXXX, XXXX ] ( Include all fraudulent accounts or inquiries you wish to be removed ) As required by 15 U.S. Code 1681c2, I have provided the following documentation to support my claim : A copy of my Identity Theft Report, filed with the Federal Trade Commission ( FTC ) ( or other relevant authorities ) A copy of my government-issued ID ( e.g., passport, driver 's license ) A copy of a utility bill showing proof of my current address A statement affirming that the above accounts are not related to any transaction initiated by me This request is being made by me to block the fraudulent information from my credit report. Under 15 U.S. Code 1681c2, once the above documentation is received, you are required to block these fraudulent accounts within 4 business days.

In addition, please be aware that 15 U.S. Code 1681c2 ( c ) explicitly prohibits the re-insertion of information that has been blocked due to identity theft. Once an account or inquiry has been blocked from my credit report, it can not be reinserted without proper verification that it is no longer associated with identity theft. If any blocked information is improperly reinserted, I will take immediate legal action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other relevant authorities. 
Additionally, I request that you provide a free, updated copy of my credit report reflecting these changes, as stipulated under 15 U.S. Code 1681c-1.

I expect prompt and thorough action in resolving this issue and expect a written response from your office no later than [ set a date within the required timeframe, e.g., 10-14 days ].

Thank you for your immediate attention to this matter. I look forward to your swift action to correct my credit report. 
Sincerely, XXXX XXXX Enclosures : Copy of Identity Theft Report Copy of ID Proof of Address ( Utility Bill ) Statement identifying fraudulent accounts
Product: Debt collection

Debt was for car for ex wife and she is responding fur debt not me
Product: Credit reporting, credit repair services, or other personal consumer reports

All these inquiries on my credit files are fraudulently placed. I did not fill any application out for the following, please remove these unauthorized inquires 1 ) XXXX ( XXXX ) 2 ) XXXX ( XXXX ) 3 ) XXXX XXXX ( XXXX ) 4 ) XXXX XXXX ( XXXX ) 5 ) XXXX XXXX XXXX ( XXXX ) 6 ) XXXX ( XXXX ) 7 ) XXXX XXXX ( XXXX ) 8 ) XXXX XXXX ( XXXX ) 9 ) XXXX XXXX ( XXXX )
Product: Credit reporting or other personal consumer reports

I recently looked at my 3 bureaus credit reports and came across a number of inquiries that werent approved by me. After contacting Experian, XXXX and XXXX they offered no assistance in the unapproved inquiries. During this time, XXXX XXXX XXXX  was opened fraudulently and now is in collection status. I also noticed XXXX XXXX XXXX bought a a DISCHARGED XXXX account and is attempting to collect said discharged debt.
Product: Vehicle loan or lease

Once again this corporation is fraudulent. I recently submitted complaints with the XXXX attorney General office and CFPB about this. They have failed to send me my car title and down payment back. I also submitted a complaint to XXXX XXXX, a compliance analyst with credit acceptance on XX/XX/2023. 
This corporation and the car dealership emailed and mailed 5 pages of the contract that I have never seen, acknowledged, or signed. The car dealer had control of the computer the entire time and did submitted and signed the contracts without my consent. 

All debts are prepaid. Federal Reserve Act 16 section 2 states Any Federal Reserve bank may make application to the local Federal Reserve agent for such amount of the Federal Reserve notes hereinbefore provided for as it may require. Such application shall be accompanied with a tender to the local Federal Reserve agent of collateral in amount equal to the sum of the Federal Reserve notes thus applied for and issued pursuant to such application. 

Therefore, Credit Acceptance and XXXX XXXX XXXX XXXX. took the application or contract my signature was forged on to and gained lawful money within the contract. The money came from my XXXXXXXX XXXX XXXX, which means this car is paid off in full. 

I will not be paying you triple the money. You really think consumers are XXXX and don't know consumer law, but unfortunately I know and I will not allow you to take advantage of me. I am the CREDITOR, not you. You have not credited anything to me. I backed the demand for the money you received my XXXX XXXX XXXX, that only I am the beneficiary of. 

Please strap on your seat belt and be ready for this ride, because I will stop at nothing until I receive my car title and down payment back to me. 

I submitted a complaint to XXXX XXXX and she and XXXX XXXX have failed to respond within the 21 time frame I gave them, therefore I need that title and down payment sent to me asap at XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Please see the pdf file i have attached and read it to its fullest.
Product: Vehicle loan or lease

This XXXX XXXX  XXXX Account is not my Account. It was on all 3 bureaus however XXXX and XXXX deleted due to creditor not supplying requested documents. This account is hindering me from obtaining credit and a new car for my family.
Product: Payday loan, title loan, personal loan, or advance loan

I have been a consumer of Affirm Financial since XX/XX/year>. Mainly use it for specific purchases from XXXX, XXXX, XXXX XXXX and on occasion other vendors. The main problem I am having is for several of my XXXX XXXX in which there is a pending hold for a very small amount- under {$1.00} - which they have not released even though I have forwarded emails from XXXX to Affirm which state the pending hold on XXXX 's side is released and they will not be collecting the additional amount. This presents a problem because in all cases there is an unused amount that can be refunded to me which the pending hold is preventing me from getting the unused amount of money back. So if I request a loan for {$100.00} and only use {$85.00}, I have an unused amount of {$15.00} that would be credited back to the loan thus reducing the amount I owe. If Affirm would release the small change on pending hold, I would be able to go online and click the hyperlink to refund the unused amount. I have called Affirm, spoken with supervisors; emailed them 4 times on each of the XXXX loans that are affected and even went on their FB page to complain. Nothing has been resolved. Each transaction has a different loan ID #
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] [ XXXX ] SSN : [ XXXX ] | XXXX : [ XXXX ] [ all XXXX credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX  Account Number : [ XXXX Reason : [ NEED THIS INFORMATION REMOVED FROM PROFILE & LATE PAYMENT HISTORY ASAP PLEASE ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, [ XXXX XXXX ]
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX XX/XX/2024 Experian XXXX Department XXXX XXXX XXXXXXXX XXXX, TX XXXX Subject : Dispute of Account Information Request for Verification Dear Experian, I am writing to formally dispute the accuracy and completeness of the following account information listed on my credit report. The details are as follows : Creditor Name : XXXX XXXX XXXX XXXX Account Number : Partial Acct # XXXX Verify the following issues with this account for completeness and accuracy : -Balance -Entire payment history -Date of last activity -Date of last payment -High balance -Recent balance -Credit limit or original balance -Status -Actual Amount Paid I am requesting that you investigate and verify the accuracy and completeness of this account. If you are unable to verify the information and provide me proof of the information verified, according to the FCRA. I respectfully request that the account be Deleted from my credit file under the provisions of the Fair Credit Reporting Act ( FCRA ). 

Please provide me with the results of your investigation and an updated credit report reflecting any changes made to my file. If this account can not be verified, I expect it to be Deleted from my credit report promptly. 

If the account can not be verified in full compliance with the FCRA, I respectfully request that it be Deleted from my credit file immediately. 

Additionally, I request written confirmation of your findings and all actions taken as a result of this dispute within 30 days, as required by the FCRA. 

Please mail your response to my address listed above. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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

In accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions. 

XXXX XXXX XXXX  ACCOUNT # : XXXX XXXX XXXX XXXX ACCOUNT # : XXXX XXXX XXXX XXXX  ACCOUNT # : XXXX XXXX XXXX XXXX ACCOUNT # : XXXX XXXX XXXX XXXX ACCOUNT # : XXXX XXXX XXXX ACCOUNT # : XXXX XXXX XXXX XXXX XXXX  ACCOUNT # : XXXX
Product: Mortgage

Trying to make a basic monthly payment with MyLoanCare.com. Loan paperwork has not been completed to where I can make my payment online and when trying to call the 800 number I have literally sat on hold for over an hour. I can not continue to do this. Absolutely pathetic and ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX CREDIT CARD : BELK REWARDS MASTERCARD Bank : Synchrony Bank Issue : Decreased credit line due to my mortgage balance not decreasing when it was in the COVID 19 moratorium. 

Synchrony Bank performed a credit check and decided to decrease my credit limit. They sent me a letter stating that the reason for the decrease is that my mortgage balance has not decreased over an extended period of time. I have only one mortgage account and the reason it had not decreased is that it was in a mortgage moratorium covered by the CARES ACT of XXXX. I called to discuss this with the bank and they refused to review the limit decrease. 

I believe this is a violation of the CARES ACT of XXXX since it does indirectly adversely affect my credit due to COVID 19.
Product: Mortgage

I have not paid my mortgage for the past 2 months. I applied for refinancing and I got approved but I will have to pay the full amount at the end of the 3 months that I have not paid in lump sum at the end of the period. I'm currently not working because of the Corona virus pandemic as well as being evolved in a XXXX XXXX. I'm currently trying to apply for XXXX benefits due to not being to work. 
I wanted to see if I could defer my payments or add them to the end of my mortgage until I get approval from the state for XXXX. I currently am on XXXX and receiving XXXX XXXX  to get any help I can for now, I have 2 dependents that I have to care for a XXXX and XXXX year old. My lender is Amerihome, I need help I still want to keep my home and pay my mortgage Just seeing if there's any way that I can defer my payments until I can get better financial help in my hardship situation.
Product: Credit reporting or other personal consumer reports

An account under the name XXXX XXXX was opened on XX/XX/XXXX, and subsequently closed on XX/XX/XXXX. This account shows no balance and no transactions but is marked as charged off as bad debt without indicating any amount. 

On XX/XX/XXXX, I contacted XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX notify you about a new account on my credit report that does not belong to me. I included a fraud affidavit, a police report, and an FTC identity theft report with my correspondence. Despite waiting for a response, I received none. 

On XX/XX/XXXX, I sent a follow-up letter via U.S. mail XXXX reiterating my previous communication and resubmitting the documents. To date, I have not received any response.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I paid off a collection XXXX XXXX XXXX  in the amount of {$330.00}. They agreed to report to all 3 major credit bureaus that the account was " paid as agreed '' and to have to have it permanently removed from my credit report. So far the only bureau it has been deleted from is XXXX XXXX. Equifax and XXXX  it is still showing as UNPAID. I have called the collector and the amount was paid on XX/XX/XXXX. It's almost been a month and I would like to have this trade line permanently REMOVED from Equifax and XXXX. I have a attached 4 documents. ( 1 ) A photo copy front and back of check, ( 2 ) a screen shot of USPS proof that it was delivered, ( 3 ) a screen shot from Equifax showing it is STILL showing on my credit report, ( 4 ) and a screen shot from XXXX  showing it is STILL showing on my credit report. Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with XXXX  with a last bill of XXXX. It has now been turned over to XXXX XXXXXXXX. XXXX  XXXX has reported to the credit bureaus od transunuin and XXXX  that the account was opened in XXXX. They have appeared to re-age my debt and this is not legal.
Product: Debt collection

Received a debt collection notice in the mail with the attempt to collect {>= $1,000,000}. The attempt to collect debt owed to XXXX XXXX. I did not have an account with XXXX this is the result of identity debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed 4 times with all credit bureaus. XXXX, Equifax and XXXX. All are reporting derogatory remarks on accounts they are unable and have not verified as being mine or show proof that these are in fact accounts acquired, owned and signed by me. 

They are also not consistent, accounts that have been removed from my credit file from one bureau is not necessarily being removed by the rest of the bureaus despite all the disputing I have done/sent. 

I have outstanding current/history on my mortgage, car loan, which is going to be paid off, and 2 new revolving credit cards. That are in excellent standing and have not been late once on anything for the last 6 years. All that they are reporting are credit cards fraudulently acquired and being reported under my credit file.
Product: Credit card or prepaid card

I received a real, ready-to-activate XXXX in the mail from a company called " netSpend Corporation '' with a mailing address of XXXX. XXXX XXXX XXXX, TX XXXX Even though I have never interacted with this company before, nor even heard of them. My understanding was that companies were no longer allowed to mail out real, unable credit or debit cards ubless individuals had specifically applied and requested them. Therefore, I 'm alarmed. The card is listed as a Debit card. Perhaps that makes the legal difference. But, again, I have never had any interactions with this company. On top of that, the services advertised is that this card could help me get my direct deposit payroll payments " up to 2 days faster! '' And yet the numerous *fees* listed on the back of this netSpend card/account in fine print are significant and highly predatory. This netSpend debit card has all the makings of a scam. Sounds " legal, '' but predatory.
Product: Credit card or prepaid card

I was using BoA cash back deal for XXXX by XXXX. Which is {$15.00} off for over {$20.00} transaction. But BoA did n't give me the cash back. Account type BankAmericard Cash Rewards Visa Platinum Transaction description XXXX BY XXXX Posting date XXXX/XXXX/2017 Transaction date XXXX/XXXX/2017 Order date XXXX/XXXX/2017 Amount {$23.00}
Product: Debt collection

XXXX XXXX XXXX XXXX Allied Collection Services Inc out of XXXX XXXX is trying to intimate? bullying me into paying for a debts that I do not owe. I notify them I was not responsible by sending them FTC Identity Theft Report and a Police Report of the actual incident. I'm frustrated that this keeps reappearing on my credit report after I've disputed numerous times in the past. I'm being harassed by these companies. I'm an old man and I don't owe anyone anything. Please help me this is making me lose trust in our Government.
Product: Mortgage

Complaint against Santander Bank. Mortgage/insurance division. 

On XX/XX/XXXX I called my home insurance agent to ask about what is covered in my policy since I had a flooding incident due to Hurricane Ida. To my surprise the Safety insurance agent informed me that my policy was canceled due to no payment. To my knowledge I had an escrow account that was handling the home insurance and property taxes. I first made sure that the insurance agency sent the bill and the cancellation notice ( attached below ). I further contact the insurance agent and they confirmed that the bill was sent to the right address while santander bank insurance manager was on a recorded line. The Mangers from Santander bank had two solutions for me : 1- I should buy a policy from them that is {$2900.00} which is twice what I was paying and it only covers the outside house not the inside. 
2- I have to go on my own and shop around for home insurance and call them. 
Now my home is in XXXX XXXX XXXX XXXX MA and it is worth almost {$800000.00} and as of today I do not have any home insurance because my mortgage bank said they didnt get the bill even if the insurance agent confirmed that they received it. Plus I have some flood damage claim that no one is willing to talk about since the policy was cancelled. Please help with a quick and fast resolution
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquirys were not authorized by me i would liked them removed please as i have tried contacting the companys still no help XXXX XXXX XXXX XXXX  XXXX XXXX : XXXX XXXX, 2022 XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/2022 Transunion XXXX  XXXX : XXXX XXXX, 2022 Transunion XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, 2022 Transunion XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/2022 XXXX Inquiry date XX/XX/2022 2022
Product: Checking or savings account

I have an acount at with the 5/3 rd bank in XXXX, Il I have a business account and personal the business account is the the account I have problems I tried to withdraw money and and couldnt not due to bank errors I still havent recieved any cash
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in 2013 I was a victim of identity theft. I've contact this company multiple times threw the credit bureau concerning this matter but I'm getting no where. The company continuously respond stating that this is my debt when I'm explaining that I've never had a credit card with this company. Someone stole my information and apparently opened up an account in my name, I never benefited from it in any way. I've also requested documents or anything that they have, proving that this is in fact my debt and I've received nothing.
Product: Mortgage

Contacted my mortgage company by phone and mail to request that my payment remain the at 3 % and not be changed to the 3.75 % as scheduled for XX/XX/2021. my request was that the interest match the current rates that were less than 3 %. 
The current payment was the result of a mortgage modification my payment were lowered. 
I was advised over the phone that the case was closed because I did not return forms. I asked when the forms were sent out because i never received them. Asked if they could be sent again As of XX/XX/2021 there have been no acknowledgement of my request. The never received comment reminded me of my bad experiences with XXXX 's XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

12 CFR 1016.7, consumers retain the right to opt out of reporting services at any time. As of XX/XX/2023 I am exercising my right to opt out of your reporting services. 

You ( XXXX ) stated you needed more information like account numbers etc. It was requested by the CFPB that I do NOT disclose private information in my report. Furthermore, in the evidence attached to my report should have given you the necessary information. My name and information is already in your system without my written consent. I am demanding to be opted out of your credit reporting services ASAP! If not done within a timely period, further action will be taken to the proper authorities. The Furnisher of my information is SECURITY FINANCE CORPORATION. Thank you!
Product: Credit reporting or other personal consumer reports

XX/XX/year> mulitple disputes were made. 
XXXX XXXX XXXX XXXX XXXX XXXX {$6000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously disputed account on XX/XX/20, XX/XX/20, XX/XX/20 XX/XX/20 do to inaccuracies on credit report. Contacted XXXX XXXX {$2000.00}. They offered settlement but no verification of debt. Balance that the company is reported is inaccurate. Company will not remove from report or validate debt.