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

On XX/XX/2023 I legally requested ( via certified mail ) for this creditors to verify that this account is 100 % accurate as i have proof that there are several inaccuracies. The credit bureau ( Transunion ) will remove these items and they have " NOT '' been verified as 100 % accurate as i have requested now several times and i will pay immediately. There have been repeated noted inaccuracies and the bureau ( Transunion ) continues to disregard my investigation request within a legal allowable timeframe ( 30 days ) or remove these items. This Bureau ( Transunion ) have repeatedly violated my legal rights by ignoring my requests to remove these accounts. I am willing to contact my attorney at this point as i am not getting any resolutions through CFPB, the Bureaus or the creditors directly. Below is a list for the following inaccurate accounts that are being disputed : Transunion 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX 2. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX  SD XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following account from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach and this entry is unauthorized. 
The following account must be blocked and deleted immediately : XXXXXXXX XXXX XXXXXXXX - XXXX - XX/XX/year> - {$1500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be updated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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
Product: Checking or savings account

I had an account with an attached student account for my son who was underage ( XXXX ) upon opening. My account was closed by Chase because an overdraft occurred that was not paid for when I became unemployed. My son was still using his account and when he went to get a new debit card and his ID was verified ( XXXX ) Chase withdrew his direct deposit paycheck funds from his account of {$290.00}. I have been unemployed since XX/XX/2018 and He makes his own funds. Chase has taken his funds to return to school.
Product: Consumer Loan

BMW Financial services is reporting information to all XXXX credit bureaus, incorrectly. I disputed the information on all XXXX credit bureaus, yet they still report it incorrectly. I need the account removed, completely, from my credit file.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

I want the CFPB to publish this
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint to EQUIFAX regarding unauthorized inquiries reflected in my credit report. Upon reviewing my credit file, I noticed that several companies have accessed my credit report without my permission. These inquiries were made without my knowledge or consent, and I did not authorize any of these companies to review my credit history. As a result, I believe that my rights under the Fair Credit Reporting Act ( FCRA ) have been violated, specifically the provision that requires a company to have a permissible purpose before accessing my credit information. I respectfully request an immediate investigation into these unauthorized inquiries and that the EQUIFAX will remove them from my report. I am also requesting that the companies responsible for these unauthorized inquiries provide documentation showing that they had the required consent or permissible purpose to access my credit file. I trust that your agency will take the necessary steps to address this violation and ensure my credit report is corrected in accordance with the FCRA.
Product: Debt collection

I collections from Caine & Weiner Company for a XXXX account that I never had. I have also had XXXX and is confused as to why they are reporting to the bureaus falsely. I want this removed as soon as possible as it is making it difficult for me to purchase my home. I called XXXX and they couldn't provide me with any information has to whom opened the account or even go back to listen to the calls. I do not owe {$890.00} for account number XXXX that was opened XX/XX/2020.
Product: Mortgage

I am trying to get a succession completed. They keep asking for the same info again. First this is not signed .now this info is out of date, because the first info they ask is out of date now they want more info with the same previous info again. I have been fighting with Midland mortgage for three years now. I want them shut down today for incompetent actions.
Product: Credit reporting or other personal consumer reports

I sent in my ftc report there is a fraudulent account portfolio recovery on my Equifax report equifax has not removed the account please remove account asap this does not belong to me
Product: Mortgage

Amerihome Mortgage has refused to generate a letter for me to provide to my new loan company stating I have never missed a loan payment or been delinquent in the past 24 months.

I am writing to provide an explanation regarding my mortgage loan. Amerihome granted a forbearance period from XX/XX/XXXX- XX/XX/XXXX due to the financial hardships ( losing my job ) brought on by the XXXX pandemic. 

Unfortunately, an error occurred during the lien amount calculation by Amerihome, resulting in my account being left in arrears by one full payment. Amerihome representatives assured me that this would not be an issue as long as I made the payments within the granted period. I have diligently adhered to this arrangement, ensuring that every payment was made on time. In fact, many of my payments exceeded the minimum payment requirements and have even made additional payments toward the principal. 

My new loan company is requesting a letter stating I have never been delinquent or missed a payment ( which is the case ), however, AmeriHome has told me over and over again they can not do that without a written request to their team. I have submitted that request and they are still denying me my letter. 

I have a newborn child and we have to be out of our apartment in XXXX weeks. We are supposed to close on a new loan and new house in XXXX weeks, but we can not without this letter. 

Can someone please help me obtain a letter from them so that we do not lose our house? 

Thank you in advance! 

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

These inquiries below are not mines. Some of these inquiries were deleted and reappered more than a year later. 




Inquiry details XXXX  XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX  XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX  XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX  XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX  XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX  XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX   XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX from XX/XX/XXXX Auto Financing XXXX   XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, New XXXX  XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX   XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXXXXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous XXXX  XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXXXXXX XXXX  XXXX Inquiry from XXXX XXXX, XXXX XXXX Banks XXXX XXXX XXXX from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Personal Loans Cos. 
XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg.  Agencies XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies
Product: Debt collection

I never entered into a contract with this company. I never received any information regarding my rights to dispute. They are reporting inaccurate and negative information to all three credit bureaus. They are violating my rights under the Fair Credit Reporting Act.
Product: Debt collection

To Whom It May Concern, I am writing to formally notify you that I have been a victim of identity theft. As a result, fraudulent accounts and/or transactions have been made in my name without my knowledge or consent. These debts are not my responsibility, and I am requesting their immediate removal from my records. Please consider this letter a formal dispute of any and all fraudulent debts and accounts listed under my name. I did not authorize these charges or open these accounts, and I request that you : 1. Remove the fraudulent debts and charges from my account ( s ). 2. Cease any collection activity related to these fraudulent items. 3. Confirm in writing that you have removed the debts from your records and credit reporting. 4. Provide any documentation related to the debts, such as applications, transaction records, and any communication associated with the account. In support of my claim, I have enclosed the following documents : A copy of my government-issued photo ID A completed FTC Identity Theft Report Under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act, I am entitled to have inaccurate information removed from my credit file. I expect your cooperation in resolving this matter quickly and in accordance with federal law. Please confirm in writing that these fraudulent debts have been removed and that my name and credit will no longer be associated with them. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have found out that my identity has been stolen and it has effected my credit and me getting a home. I have supporting documents to get the items removed from my credit.
Product: Credit reporting or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX ; XXXX XXXX Balance : {$8600.00} ; XXXX XXXX XXXX Balance : {$9300.00} ; XXXX XXXXXXXX XXXX Balance : {$3800.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/2023 ; XXXX XXXX XX/XX/2023 ; XXXX XXXX XXXX XXXXXX/XX/2023 ; XXXX XXXXXX/XX/XXXX XXXX
Product: Credit card or prepaid card

CapitalOne charged me a fee for a secured card when I opened my account in XXXX. I paid the fees with funds from my XXXX checking account. CapitalOne informed me a few weeks ago my status was changed from secure to unsecured as a credit card holder with CapitalOne Bank. However, CapitalOne did not refund the fees charged to my checking account and instead, placed the fee on the CapitalOne credit card. And CapitalOne has not refunded me the XXXX interest on the fee charged.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX has violated my rights 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 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 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 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 XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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. 1681sXXXX ( A ) ( XXXX ) 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 i
Product: Credit reporting or other personal consumer reports

I have an existing dispute with XXXX about 3 late payments reported in my credit report. XXXX for some reason has decided to investigate the issue with the furnisher, which I do not understand what investigation they are trying to do about the late payments that are not supposed to be reported on any consumer report according to 15 USC 1681 2 a 1 that clearly says and quote, ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. We all know a late payment is a transaction. Today XXXXXXXX  I sent the three consumer agencies a letter stating the law and to remove those three late payments. I also sent a letter to Capital One regarding the same issue.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to bring to your attention a concerning issue I recently discovered while reviewing my credit report. After a thorough examination, I identified multiple companies listed on my report with which I have never conducted any business. The existence of these unauthorized entries raises serious concerns about the possibility of identity theft. 

Enclosed, please find a detailed list of the companies in question and a copy of my identification for the purpose of verifying my identity. Additionally, I want to inform you that I have already filed a report with the Federal Trade Commission ( FTC ) regarding this identity theft incident. 

Given the urgency of this matter and its potential impact on my financial well-being, I kindly request your prompt assistance in resolving this issue. I have taken all necessary steps to report the identity theft, and I am now seeking your help in expeditiously removing these fraudulent accounts from my credit report. 

Your attention to this matter is greatly appreciated, and I believe your involvement will contribute to a swift resolution. If you require any further information, please do not hesitate to contact me at the provided email address or phone number. 

Thank you for your time and consideration. 

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

My name is XXXX XXXX this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personally-identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All are being investigated by the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX IS UNAVAILABLE TO ME ONLINE DUE TO A COMPUTER GLITCH OF THEIRS..IT WOULD BE GREAT IF THEY KNEW HOW TO GENERATE SECURITY QUESTIONS SO I COULD USE THE SERVICE. 
THERFOR I OFFER THE FOLLOWING COMPLAINT : CREDITOR XXXX   COLLECTOR XXXX XXXX XXXX HAS DEFRAUDED ME.I PAID XXXX DOLLARS UNDER A DURESS SETTLEMENT THAT I SHOULD HAVE PAID NOTHING. 
XXXX AT TIME OF SALE /SERVICE INTENTIONALLY WILLFULLY DEFRAUDED ME AND VIOLATED THE IMPLIED WARRANTIES LAWS OF CALIFORNIA . 
DUE TO THE UNDISCLOSED LACK OF CELL TOWER COVERAGE IN MY AREA XXXX SERVICE WAS DROPPED CALLS, INTERFERENCE, MISSED MESSAGES AND JUST GENERALLY FAILURE PRONE.SINCE XXXX KNEW THIS THEY SHOULD HAVE NEVER SOLD ME THE REASONABLE EXPECTATION OF ADEQUATE SERVICE. 
I WOULD LIKE THIS XXXX ACCOUNT DELETED FROM ALL CREDIT BUREAUS.
Product: Credit card or prepaid card

The Attorneys sent me a letter stamp date XXXX XX/XX/2022. The indebted they claim I owe the sum of {$5100.00} ( reading it correctly ) and {$370.00} for the cost of the suit. 

To my recollection, I never opened up an account with Capital One. The letter is signed by an Attorney. I believe that my identity was compromised because I had my wallet stolen with important Identification a couple of years ago taken from my car, and my cell phone with important identity information. I just received this letter on the XXXX of XXXX, 2022. The Plaintiff states in the letter to give payment of debt on the XXXX of XXXX, 2022. 

I believe this debt to be incorrect ( I have not looked into the big three credit bureaus for any of this information as of now ) I thoroughly concede that this is identity theft to the fullest extent of the law. 
The letter forward to me : XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, Florida XXXX File number : XXXX. 
This is the first letter I ever received from this Attorney. Never received other letters, or call regarding this debt at all.
Product: Credit reporting or other personal consumer reports

Please find attached, my Notice of Dispute and Request for Investigation of Billing ErrorValidation and Verification of Alleged Debt with XXXX. XXXX XXXX XXXX XXXX XXXX dated XX/XX/year>, regarding the Alleged Credit Card Receivables Account.
Product: Mortgage

XX/XX/XXXX I started looking for a home to purchase in XXXX, GA. I was pre approved for {$180000.00} found a home packed up a XXXX and drove down to XXXX. This entire process took place by email, phone, and by mom on my behalf who live in XXXX. Gave {$1000.00} in earnest money to my realtor. Once I got to XXXX I never closed but I also was't denied. I was in limbo I was told that if i got denied on my part I would n't get any money back. If it was their fault I would get {$750.00}. XXXX this day I have n't gotten a straight answer from the lender or the realtor.
Product: Credit reporting, credit repair services, or other personal consumer reports

Conns XXXX  is reporting 2 accounts stating charged off # XXXX amt XXXX XX/XX/XXXX - and another XXXX XX/XX/XXXX for XXXX. 
Ive filed FTC Id theft affidavits on both Accts - reported to XXXX XXXX pd and Tx ATTY generals office - XXXX - Im XXXX XXXX -I demanded any time of validation or verification with no luck- Ive not given this to a local attorney for legal action against Conns and XXXX  for reporting this Id theft -
Product: Credit card

Hello, I would like to file a complaint regarding my previous Discover credit card account. The merchant closed the account without my consent after I agreed to set up a payment arrangement. I called and spoke to a representative and he informed me that they had a different contact number associated with my account that does not belong to me. This matter violates the FCRA XXXXFair Credit Reporting Act. I pulled my credit report with each bureau and noticed that several inaccuracies with this account raise concerns. First, the balance owed is reported incorrectly with each bureau. Secondly, the date reported, closing date, and credit limit balance all reflect inaccuracies that violate the Fair Credit Reporting Act. I am kindly asking you to look into this matter. I have been a valued consumer with Discover since XX/XX/2021 and I am disappointed the merchant is now trying to sue me after an error on their end. I have attached a screenshot of the report with each bureau. I greatly appreciate your assistance in this matter.