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

Dear Experian, TransUnion, and Equifax ( Transunion Account number # XXXX ) Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

The following inquiries and accounts are unauthorized or inaccurate, and I ask that you delete them at once... 

NOTE ... Inquires and accounts please delete ( Experian ) ( Transunion ) and ( Equifax ) please delete these accounts *CHILD SUPPORT 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 : ( Delete address ) XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX fl, XXXX NOTE : : ( Delete hard inquiries ) *XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX don't recognize these lenders and I don't remember authorizing them to perform a hard inquiry nor did I authorize any new accounts on my credit report Act, I demand that these items be investigated and removed from my report Please remove any information that the creditor can not verify and show permissible use **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 *15 U.S.C 1681c. ( a ) 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates.

the report by more than seven years.

**15 U.S.C. 1681s-2 ( 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( 1 ) the person, has been notified by the consumer, at the address specified by the person for such notices, that specific Information is instead inaccurate .....

( ( ( NOTE... VALID FTC REPORT ATTACHED ... AS WELL AS SOCIAL SECURITY CARD AN DRIVER LICENSE ) ) )
Product: Debt collection

I purchased a water softner system, that was bait and switch, the contract was for {$3000.00}, and Agua finance states it is {$8000.00}, I set up auto pay with them in the beginning, and have not changed anything, when I went to pay it off in XXXX of this year I was told I had missed payments, which is not true, I have my bank statements showing auto pay, I was told by their customer service out of XXXX  that they had changed the way they collected the auto pay ( in fact they changed it XXXX  in XXXX  ), I told them that they needed to retrieve my money, ( find it ), and fix their problem. The customer service person told me it was my problem, not theirs, and that he had the power to ruin my credit, and I told him I would get a lawyer, he then told me to go to XXXX, and said that as I was talking to him he ruined my credit. I was bait and switched, lied to, and defrauded by this company, they have ruined my credit, and frankly they are corrupt, and are being able to defraud thousands of people ... .where is consumer protection. My brother passed away in XXXX and I need to pull equity out of my home to pay the costs, and I can't because of what Aqua finance did.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 Section 602A States I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2, It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Bank account or service

A bank account was opened in a Wells Fargo bank in XXXX XXXX, California in my namewithout my knowledge. I was a victim of identity theft. For two years the person said I worked for XXXX for him as a care giver He had a direct deposit of the checks placed in a Well Fargo account .At the same time I was in negotiation with the IRS to settle for back taxes owed in the years XXXX and XXXX. They said that I did n't report the income earned for these two years. The settlement agreed on was denied as a result of the identity theft. The XXXX XXXX police arrested and convicted the person involved. The police showed me forged signatures of an account opened in Wells Fargo bank .I contacted WFB and they say there is no account in their system that matches the detectives findings. The fraud claim was denied by WFB. The case number is XXXX. They sent me a letter on XXXX XXXX XXXX to contact XXXX XXXX. XXXX times I tired to reach her. No phone call back I have contact XXXX XXXX a higher up supervisor. No phone calls have been returned. I want my name cleared with a letter to the IRS and SS. {$25000.00} was stolen from XXXX in this fraud and not XXXX person seems to want to help me .I have proof from the police report, SS and the IRS and WF refuses to admit wrong. I 'm XXXX, living on {$1100.00} a month. I need help. I do n't have the resources to fight them. Please help.
Product: Credit reporting or other personal consumer reports

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failu

re to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ). Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ). Harassment under 15 USC 1692d ( Section 806 ). Recently, I received notice that your investigation was compl
ete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but w

ere never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. I demand that the following items be deleted immediately from my credit report :
Product: Debt collection

ERC has a collection account from XXXX XXXX XXXX on my XXXX and XXXX that does not belong to me. We do n't have XXXX XXXX XXXX where I live in Hawaii.
Product: Credit reporting, credit repair services, or other personal consumer reports

My consumer report has inaccurate information reporting
Product: Checking or savings account

In XX/XX/XXXX I received a letter from US Bank, in the letter I was informed that due to the banks negligence the bank was ordered by your department ( CFPB ) under a XX/XX/XXXX legal settlement to offer the consumers that they injured a remediation from actions the bank took during part of XXXX. I was directed to apply for potential remediation because my ReliaCard unemployment insurance card had been frozen during XXXX XXXX XXXX. I have complied with the requested documents and theyre request. I do understand that the first submission ( XXXX XXXX XXXX ) I didnt realize that I had submitted additional documents that went past the XX/XX/XXXX impact period window. Once they sent me their response that they documents and information submitted was past those dates I reviewed and re submitted the documents that were inside the impact period, submission was due by XX/XX/XXXX, XXXX response received to my surprise was the same! I then received a letter stating that I had until XX/XX/XXXX to submit additional documents. At this point Im frustrated because I have been more than compliant with their request submitting OFFICIAL documents to the claim. Lastly I noticed that while the letter I received stated the impact period is between XXXX XXXX XX/XX/XXXX on the website they provided to submit the claim the impact period was only set between XX/XX/XXXX, XXXX XXXX, XXXX. 
I believe this behavior conducted by the bank and the claim administrator is unethical and fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

requested that the information on my credit report be looked into and I also requested an official copy of my credit report but I was ignored in my initial reach out. When I did not receive a response I sent another letter on multiple occasions. 

I now have reason to believe that I am getting ignored by the credit bureaus due to their negligence to respond to my request which goes against my rights under the fair credit reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit information and discovered that there is a Bankruptcy, Chapter XXXX listed on my credit file from XX/XX/XXXX, and Bankruptcy, Chapter XXXX filed XX/XX/XXXX. I begin to investigate and determined that the courts did not report to the credit bureaus. I did obtain a letter from the credit advised that it was not reported by them. I also reached out to XXXX as well and they also sent a response advising that they do not make any contact with any credit reporting agencies. I was never provided with any information advising the information has been verified or accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans have been XXXX by XXXX XXXX Department of education XXXX They should say PAID/CLOSED AND XXXX ( XXXX ) BALANCE ON ALL XXXX CREDIT BUREAUS. SEE ATTACHED LETTER FROM XXXX DEPARTMENT OF EDUCATION AS XXXX!! EQUIFAX XXXX AND XXXX SHOULD ALL SAY PAID/CLOSED XXXX BALANCE EFFECTIVE XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

I have been disputing incorrect information on my credit reports since XX/XX/2020. I have been disputing continuously with all three bureaus on multiple occasions. I still have not received a response from them most of the time, this is unacceptable! Equifax, XXXX  and XXXX need to respond to my disputes as well as needing to have these items removed from my report as this is inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated o
n XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with Navient ( at the time it was called Sallie Mae ). The account was opened XXXX, XXXX. I defaulted in XXXX, XXXX. The date of first delinquency is XX/XX/XXXX. Navient began issuing, and the credit reporting companies began publishing, negative consumer reports reflecting this fact. 

The FCRA allows for the publishing of consumer reports for 7 years. After 7 years, the consumer reports must be removed and no new consumer reports regarding the account may be  published. In this case, consumer repeated was required to cease XX/XX/XXXX. 

Despite being informed of this requirement and being asked to stop, Navient has continued to issue illegal consumer reports on a monthly basis, most recently in XX/XX/XXXX. 

I submitted complaints regarding these illegal consumer reports to XXXX, XXXX, and XXXX. XXXX performed an investigation and resolved the issue and removed the illegal consumer reports. XXXX and XXXX failed to resolve the issue. When I contacted XXXX and XXXX, phone representatives admitted that there had been no legitimate investigation. The phone representatives admitted that their entire investigation had consisted of asking Navient if the information was correct and then accepting their answer without any analysis. The XXXX phone representative even admitted that he had not, and that he could not, view the documentation that I provided with my complaint. 

When speaking with XXXX  and XXXX regarding their failure to properly investigate the complaint or remove the illegal consumer reports, the phone representatives refused to correct the error and instead said that the only recourse was submitting another complaint in the hopes that the next person to perform the investigation would actually do it. 

There have now been three mock investigations performed by XXXX  and XXXX. To date, both credit reporting companies have refused to properly investigate the complaint or remove the illegal consumer reports. Every time I contact them, I am recited lines from the same script by phone representatives that do not understand the complaint. This process has been exceptionally frustrating.
Product: Debt collection

Dear Equifax, what's wrong? XXXX XXXX and XXXX XXXX I are collecting the same debt from a hospital that I don't know of. How can that be done? 
XXXX XXXX  Case OpenedXX/XX/XXXX ( 2 mos ) ; Account status : Open ; Original Creditor Name : XXXX XXXX XXXX XXXX And then XX/XX/XXXXXXXX XXXX  I Case Opened XX/XX/XXXX ( 1 yr, 11 mos ) ; Account status : Open ; Original Creditor Name : XXXX XXXX XXXX Please Equifax something wrong is going on, all those reports on my credits are all almost false.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is 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 or information not later than XXXX business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX Balance : {$0.00} XX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this to the " CFPB '' attention about serious concerns regarding practices that appear to be in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
Upon reviewing my credit report provided by " XXXX '', I have identified several instances where inaccurate information is being reported. These inaccuracies have directly impacted my creditworthiness and financial standing, thus potentially violating the FCRA which requires consumer reporting agencies to maintain accurate and up-to-date information.

Furthermore, I have " NOT '' received communications from " EQUIFAX '' bureau that appears to be in violation of the FDCPA, which regulates the behavior of debt collectors. The tone and content of these communications do not adhere to the standards set forth in the FDCPA, and I am deeply concerned about the potential harm and stress they have caused. 
I am requesting the CFPB to take immediate action to rectify these issues and ensure compliance with both the FCRA and the FDCPA. 
I expect a prompt response from " EQUIFAX '' detailing the steps that taken to address these violations and prevent similar occurrences in the future. I am also requesting " EQUIFAX '' to provide a written response within 15 days of the date of this complaint.
Product: Debt collection

XXXX XXXX is reporting a previously paid off XXXX  debt with XXXX. Additionally, the original debt is prior to seven years from today. This should not be reported on my credit report and XXXX XXXX should not be attempting to collect payment on a previously paid off account. The total they are attempting to {$820.00}.
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history with this company 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 MONTHS REPORTING LATE 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.

This company 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!
Product: Debt collection

I was solicited by a solar company to help save money on my electric bill. The young man that came was referred by my nephew who was just starting to work with the company. He went over the number of panels he said I would need and what it would cost me monthly. He said until my solar was connected to XXXX I would not have to make a payment because they had to work with XXXX to make the connection. He also stated that I would not be charged any interest until the panels were connected. I asked twice if he was sure because if the payment changed by any amount, it would not make sense for me to do it because any adjustments to the payment would put me in a hardship since I am on a fixed income. He assured me it would not and had me esign documents and told me I would be receiving {$10000.00} in tax credits once I filed my taxes. He also said that once I received the money to forward the money to them. Well, I filed my taxes and did not receive a {$10000.00} tax credit refund. When the bank who was handling the loan contacted me, I was told my payment would start in XXXX but then I got the shock of my life when the payment was higher. I filed a complaint an all I got was a copy of the note with language I had not seen before and something about the payment being adjusted. I should have known better but I believed what I was told. He also said there would be no lien on my property.
Product: Credit reporting or other personal consumer reports

As a federally protected consumer under the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ), I hereby formally opt out of any and all authorizations, whether written, unwritten, verbal, or nonverbal, that I, the consumer, may have granted to XXXX or any affiliated entities to share my personal and financial information. This opt-out is made pursuant to 15 U.S.C. 6802. 

Specifically, I am opting out of the sharing of the following information : Credit Acceptance ( Account Number : XXXX ) Michigan First ( Account Number : XXXX )
Product: Mortgage

SElect Portfolio Servicing has posted the notice of foreclosure and will be held for sale on XXXX/XXXX/XXXX. I called and spoke to the loss mitigation dept to apply for a modification of my XXXX interest only mtg I have paid for 10 years and they claim Im to late to modify my home loan. Their policy states that this must be done 37 days before the date of the sale. This is not what my attorney says nor the State of  Michigan laws, I have to file for this before the sale date of XXXX/XXXX/XXXX. The person at select portfolio servicing says I can only pay in full or get up to XXXX cash for keys. They refuse to help me. My husband has not been able to work much due to a back injury and XXXX XXXX. 
The mortgage company sent me an appraisal of a value of XXXX. I owe XXXX. This home never regained equity. I had to file XXXX in XXXX due to the economy and the career I had. I worked for a Builder for 10 years and my income was XXXX per year, lost my job due to the builder losing everything. However I did go back to work at my old place of employment. My income dropped from the XXXX to XXXX. I have done the best I can to keep my home. 
I have been turned down twice for a modification in the past. They say I dont qualify. This is not a XXXX  XXXX or XXXX XXXX loan. 
I am being refused the option to modify my mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please I been back and forth with agency that have been report illegally on my credit report please remove and delete all information. Im requesting to opt out of all, XXXX, XXXX, and XXXX data bases.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft
Product: Credit reporting or other personal consumer reports

I AM WRITING TO HAVE THE FOLLOWING INFORMATION REMOVED FROM MY CREDIT FILE, THE ITEMS THAT I NEED DELETED ARE GOING TO BE ATTATCHED IN A WORD DOCUMENT. I AM A VICTIM OF IDENTITY THEFT. I HAVE MULTIPLE ACCOUNTS THAT I DID NOT APPLY FOR LISTED ON MY CREDIT REPORT. I ASK THAT THESE ITEMS BE DELETED SO MY CREDIT REPORT WILL ONLY SHOW INNACURATE INFORMATION. I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISSION AND HAVE ENCLOSED COPIES OF THE REPORT. I WOULD LIKE THESE ITEMS DELETED FROM MY CREDIT REPORT AS SOON AS POSSIBLE. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT, PURSUANT TO SECTION 605B OF THE FAIR CREDIT REPORTING ACT.