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

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS is required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX is violating my consumer rights. They are fraudulently letting SBNASELFLNDR, management number XXXX report a fraudulent account on my credit profile. I have never heard of this company, nor should they have any information of mine. I was suspicious so I looked this company up on my Secretary of State website and seen that they aren't licensed to do business/collect a debt in my state. They are illegally doing business in Michigan. I'm asking you to enforce to enforce the laws on XXXX for failure to investigate as I'm a federally protected consumer. I will also be reporting both XXXX and SBNASELFLNDR to the IRS filling out form 3949- A information referral for unreported income since XXXX gets paid from this company and this company isn't licensed to do business in my state, leads me to believe they are exporting people for money and not reporting it to the IRS . I will also be reporting both companies to the Attorney General and Better Business Bureau. I attached proof that SBNASELFLNDR isn't allowed to do business in my state. If the account isn't removed in 30 days, I'll also be filing the attached forms to sue both companies for defamation of character. They are making me look noncreditworthy to other lender and I have been denied credit due to this matter. It has caused me great emotional distress and my doctor has prescribed me XXXX  because I haven't been able to sleep at night due to the financial and emotional harm these two companies have caused. I know that SBNASELFLNDR pays XXXX to report inaccurate information and XXXX refused to give me a fair investigation for their financial gain.
Product: Credit reporting or other personal consumer reports

I filed a dispute regarding incorrect information on my credit report. The credit bureau emailed me, claiming that they assumed the disputes were from a third party, which is not true. I called to verify my identity, but they still refused to process my disputes. I wasted money mailing my disputes and sent personal information to confirm my identity, only for them to fail to conduct a thorough investigation.
Product: Credit reporting or other personal consumer reports

My account balance reports on the XXXX of every month and it never updated this month my account balance is showing {$300.00} as of XX/XX/year> it is now XX/XX/year> and my account balance has been {$0.00} since XX/XX/year> on XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the numerous attempts I have been doing, the Credit Reporting Agencies have never fully complied with the Federal Law, Fair Credit Reporting Act section 605b, and have been continuing reporting the disputed items as verified on my Credit Report. This CFPB complaint will be my thirteenth ( XXXX ) complaint since I started submitting CFPB complaints to the Credit Bureaus. I have also been submittng multiple dispute letters against the Credit Bureaus and the Credit Bureaus have never responded to any of it all! I have been planning to file lawsuit against the Credit Bureaus for their willful non-compliance of the federal law. This will be my last attempt to contact the Credit Bureaus and in the event that the Credit Bureaus still not remove the disputed items by the time of my Credit Update within the next 15 days I will be filing a lawsuit. If it us not too much trouble than dealing with a lawsuit, please, once again remove the disputed items from my Credit File as soon as possible : 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 XXXX XXXX
Product: Checking or savings account

My identity was stolen and someone applied for a US Bank account. The notice says to call 24/7 and they'd take care of any issues. I called and am constantly transferred to different agents who eventually transfer me to a " dead line '' which hangs up on me. I tried calling several times. Absolutely deplorable customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

three medical collection are reporting under my XXXX credit file, these irrelevancies i never had, these are collection that do not belong to me i have filed a police report and the FTC report, i will be attaching these documents, please find attached. 
i have also disputed these inaccuracies through XXXX  but they have not been able to help me as always never helpful. i have medical and XXXX i never pay for any medical bills, therefore these are inaccurate and fraudulent, per HIPA  and the FSCPA you are not permitted to report these inaccuracies on someones credit file, whether belonging to them or not. have these fraud and wrongful reporting removed or you will be hearing from my lawyers. 
thank you
Product: Credit reporting or other personal consumer reports

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 
6. Please provide a complete account history, including any charges added for collection activity. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX - XXXX {$280.00} XXXX XXXX - XXXX {$130.00} XXXX XXXX XXXX XXXX XXXXXXXX {$2600.00} XXXX XXXX TX - XXXX {$1300.00} XXXX XXXX  - XXXX XXXX - XXXX {$24000.00} XXXX XXXX - XXXX {$5.00}
Product: Checking or savings account

On XX/XX/XXXX, someone hacked into my account and wire transferred {$50000.00} out of my account. I submitted a claim to Bank of America and followed their instructions to submit a police report and faxed them all the doc they required. My checking account was frozen, and a new account was created for me on XX/XX/XXXX. 

On around XX/XX/XXXX, I realized all my payments were bounced. I talked to the customer service, they sent me to a recording that told me my account was closed. I called back and talked to another person, she told me my account was in the process of closing. There was no prior notice. All the remaining money in my account was frozen. 

On the second week of XXXX, I got a letter ( Dated XXXX ) that said the claim was resolved. BofA has issued a credit of {$50000.00} on XX/XX/XXXX to my account. I also see this amount on my bank statement. This amount was credited to the original account that is closed. Since both my old and new accounts were in the process of being closed, I had no way to get the money out of my account. 

On around XX/XX/XXXX, I received a letter ( dated XX/XX/XXXX ) that BofA made the decision to close my account. I finally received a check from them on XX/XX/XXXX for the balance. However, the check is only for {$500.00}, not the full amount of {$50000.00} in my account. I called customer service on the same day on XX/XX/XXXX, they forwarded me to the " XXXX XXXX '' department. The rep told me the {$50000.00} is the " Back office '' and under review. She doesn't have an XXXX of when the review will be complete. I asked them why it is under review since the claim was resolved and BofA credited the money back to my account. She said she didn't have more information she could give me. She told me to call back to ask for update. I asked her if there was another person I could talk to, she said no. 

I called back on XX/XX/XXXX and talked to another person. She said the same thing, the fund was still in their " Back office '' and under review and she also didn't have any XXXX of when it the review will be complete. She said the decision will be sent to me by mail, but she doesn't know when that will happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I sent in a request for the Credit reporting agency to delete the inaccurate information on my consumer report. It's now 37 days and I haven't received any responses from them. This is affecting my ability to get a job and an apartment to support my family
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was intimated by XXXX that my credit score was downgraded 27 points. This was in the same month that I have successfully paid off my mortgage without a single delinquency. I called all three credit bureaus to no success, no one could tell me why and from where the deliquency was reported. 

I called FICO who charged me {$59.00} just to see my report which they said they couldnt comment on till they saw it. They have promised to reverse the charges but I dont have that just yet. All this was on XX/XX/XXXX and XX/XX/XXXX. 

I finally found out that a delinquency already reported in 2017 was again reported this month thereby dropping my score by 27 points. This is extreme carelessness and this is on a account that is CLOSED. 

Everyone is making me run around in circles to figure out who will fix this. XXXX that originally started this drama over {$8.00}, wont talk to me because the account is closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B, a creditor may not treat a payment on a credit card account under an open-end consumer plan as late for any purpose.
Product: Mortgage

Requested removal of PMI for 3 reason. 1, LTV is below 78 %, 2, Loan Maturity is less then half. 3, Have never missed a payment in 16 yrs. Sent a email with these 3 reason. Only response received was a letter stating they notified the lender of request. Have not received any further response. Called and was told denied due to a modification done with a prior lender of the loan can't tell me the modification since it was done prior to them acquiring the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA XXXX XXXX XXXX Account number XXXX, has violated my rights. 
In accordance with the FCRA XXXXXXXX XXXX XXXX Account number XXXX, has violated my rights. 
In accordance with the FCRA XXXX Account number XXXX, has violated my rights. 
In accordance with the FCRA XXXX XXXX XXXX Account number XXXX, has violated my rights. 
In accordance with FCRA XXXX XXXX XXXX Account numberXXXX  XXXX XXXX XXXX Account number XXXX has violated my rights. 

15 U.S.C 1681Section 602A. 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: Debt collection

After reviewing my credit report I notice that this company ( Westlake Financial Services ) are violating my rights as an consumer. My reputation have been defamed which is a violation according to 15 USC 1692 H. I have been harass at all forms and my credit have been misused and abused. As a consumer I have rights and this company is violating my rights as a consumer. The following laws are been violated 15 USC 1692b, 15 USC 1692c, 15 USC 1692d, 15 USC 1692e, 15 USC 1692f, 15 USC 1692g. All violations are {$1000.00} per occurrence. I have attached a copy of my License to help identify me.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX XXXX, Consumer Social Security Number : ( ), Cosumer Date of Birth : ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists 7 Separate fraudulent accounts appearing on my consumer FICO report which i do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of Accounts : XXXX XXXX Date XXXX ( XXXX {$120.00} ) XXXXXXXX XXXX Date XXXX XXXX ( XXXX {$120.00} ) Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my ( CHANGE TO NAME OF BANK ACCOUNT ). I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed a collection account in my credit report per Experian results the collection account was removed but also Experian dropped my credit score XXXX points on XX/XX/ for no apparent reason. That score is incorrect XXXX points is a lot of points for nothing to change except a collection account that was removed
Product: Credit reporting

As we all know credit card company 's often incentivize there products by offering rewards. Well, we use ours often for purchases to get rewards, pay them off in 30 days etc. This month we purchased a long-arm quilting machine and is rd a card, which I have done many, many times to purchase. We got dinged XXXX points on f.i.c.o score even tho we received a " credit increase '' up to XXXX dollars by master card on this card because they said " you used your credit responsibly! The preveious month, XXXX dropped me because they said I did not use there card enough! 20 years with them! They dinged me for XXXX points! Well quess what, now my auto insurance, homeowners insurance went up substantially! My credit score has always been a source of pride for me and I guard it well. I have used my XXXX card in the past for XXXX or more and payed back in reasonable time without a " XXXX '' point hit! I have gone from low XXXX to low XXXX f.i.c.o. Score in two months for this! Why would a credit card company give me more credit if I was not worthy only to be dinged for using and paying it back in thirty days. I got XXXX in rewards from that credit card company that month, but my auto and homeowners policy went up almost XXXX a year! What in XXXX has changed. I 'm playing by the same rules I have played by fo fourty years now you damd if you use you credit card, and your damd if you do n't!!! Can you make sense of this for me. Regards, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear XXXX, I am writing to formally request the issuance of a 1099-C for the charged-off debt on the following account : Account Number : XXXX Account Type : Charge account Balance : {$7000.00} Date Opened : XX/XX/year> Current Status : Charge-Off As this account has been charged off and reported as derogatory, I am requesting that a 1099-C be issued for the debt as required by the IRS. The debt is currently reflected as charged off on my credit report, and I believe this meets the criteria for the cancellation of debt under the IRS guidelines. 

Please provide me with a 1099-C form for the year in which the charge-off occurred, so I may accurately report it on my taxes. If you require any additional information or documentation to process this request, kindly inform me as soon as possible. 

I would appreciate your prompt attention to this matter, and I look forward to receiving the necessary documentation. 

Thank you for your time and cooperation. 

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

I was reaching back out to you about some bankruptcies showing on my credit and I have never filed bankruptcy. I reached out to you all back on XX/XX/2021 and the response from the credit bureaus said they were going to investigate the bankruptcies and reach back out. Well they never did and they bankruptcies are still here on my credit almost two years later of me trying to handle this. Now I did get a response from XXXX and they did remove all the bankruptcies off my credit file. Its Experian and XXXX who has not responded. These are the bankruptcy  case numbers XXXX, XXXX, XXXX, XXXX and XXXX. I even went back down to the Bankruptcy Court in the federal Building for a second time just in case the previous lady gave me misinformation. They guy at the counter asked for my social security number and he stated the exact same thing the first lady said and that I am not in their system. Please have Experian and XXXX to remove all those bankruptcies off my credit.
Product: Debt collection

XXXX XXXX billed me for earned premium for coverage provided so I paid them directly but this credit collection company has continued to bill me and harass me for money that I have already paid. They have sent me multiple bills and even offered me a settlement. I called them to ask them about the balance and told them that I believed this was a scam they immediately hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and noticed unauthorized inquiries and accounts reporting on my credit report. I contact the creditors as well an the three bureuas to take action to getting this information corrected. I was told I needed to submit an FTC report along with police report which I provided. After about 10dyas I called to check the status of my case and was told by a supervisor that my documentation that I printed from the FTC site was not approved. This has caused me emotion stress and cause me denial of applications due to unauthorized, inaccurate reporting from the credit bureaus from no fault of my own due to negligence of my information being leaked from a data breach from the credit bureau. I have done what was asked of me and the credit bureau is not following the law where it states FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed!!