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

Dear Credit Reporting Agency : I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. 


XXXX XXXX XXXX XXXX XXXX XXXX Jpmcb card service 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 am trying to link my Barclays us account with XXXX but Barclays is blocking and will not let me transfer funds.i also am not able to receive a debit card in the states either. Barclays is not a good bank to have if you live in the states.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. I have false names on my credit report -XXXX  XXXX 2. I also have several false addresses on my credit report.

3. I have a total of 4 wrongful inquiries on my credit report. 
-XXXX  XXXXOnemain -XXXX  XXXX I have filed a report for identity theft with the Federal Trade Commission XXXX
Product: Mortgage

While going through the OFAP process i experienced problems with both XXXX and my loan servicer, OCWEN. XXXX failed to act impartially, ensure that relevant documents were made available and explanations provided where needed or requested, refused to respond to emails from my housing counslor asking for assistance, failed to assure required documents were submitted, failed to conduct an even-handed and fair resolution conference, and failed to get in writing lenders HAMP offer. 
OCWEN placed lender flood insurance back in XX/XX/XXXX that i am still fighting to get reimbursed on and they still deny that they did it even though my transaction history that they provided through the portal during my OFAP application process shows that they did. I sent a certified letter to them disputing my debt and they mailed back a letter that basicly just said " no we did n't ''. I have proof of my coverage and their charges. During the OFAP process they refused to give me my NPV or my PSA. I never had a single point of contact. Neither i nor my housing counslor could ever get ahold of the same person XXXX. They keep acting like they are considering my modification and yet they move forward with foreclosure while telling me they are not. Charging unauthorized fees and not showing what they charges are for, plus math that i just can not figure out. They have found a way to abuse the program by claiming your application is incomplete. All they have to do is say so and either refuse to accept documents, say they were late, claim they did n't receive them, or just keep asking for the same document again and again no matter how many ways you send it or how many times. I have been trying to do this program since XX/XX/XXXX. They have lied, abused, decieved and ground me down to nothing. I have filled out their RMA XXXX times. I faxed the latest one this morning. Please help me with this.
Product: Student loan

On XX/XX/XXXX & another date on XX/XX/XXXX. I faxed my loan forgiveness info. To number : XXXX. On public service loan forgiveness ( PSLF ) TEMPORARY EXPANDED PSLF ( XXXX  ) CERTIFICATION & APPLICATION XXXX XXXX XXXX Federal direct loa n program. NAVIENT LOAN NUMBER # XXXX. AT THE TIME.ALSO SENT MY information was also given to a XXXX XXXX XXXX whom during that time I spoke to? Have copy of letter XXXX. 
Also my loan got shuffled to Federal Student Aid : XX/XX/XXXX Ombudsman case # XXXX control # XXXX. NOW WITH " XXXX  '' U.S. DEPT. OF Education. Please Respond. Soon as possible. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports , in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, I never received my " Mini-Miranda '' five days prior to placing this derogatory items on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OHIO allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. XXXX XXXX XXXX # XXXX is held liable as well, for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under XXXX Taking assignment of debts. FDCPA I fail to see where any of these companies are in compliance with OHIO LAW. I also believe that this business is not registered to operate in the state of OHIO I expect this collection account to be removed from my credit report. None of these companies has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately. Thank you!
Product: Credit reporting or other personal consumer reports

I was going over my report and notice that I've a been a victim of identity death and found numerous hard inquiries that I have no knowledge of here are the hard inquiries : XXXX  XXXX XXXX : XXXX XXXXXX/XX/XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern : I sent a request for investigation under FCRA 611 ( a ) to XXXX, Equifax, XXXX. The letter was sent in reference to the following accounts : XXXX. XXXX XXXX XXXX -Account Number : XXXX XXXX. XXXX XXXX XXXX XXXX  : Account Number : XXXX XXXX. XXXX XXXX XXXX : Account Number : XXXX XXXX. XXXX XXXX - No Account Number Noted XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX No account Number Noted. I am curious as to how you verified this information and would like to receive physical documentation to support this erroneous information on my report.FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX, EQUIFAX, XXXX has been reporting unverifiable and inaccurate information on my credit report which has damaged my credit. I am litigating this information due to it not being DELETED from my credit report. I have asked to not update or verify this information without doing a due diligence investigation. I have requested to be provided with a written contract with my WET SIGNATURE and physical documentation to support the information that is being reported and they have failed to do so. I have also requested not to receive a template letter in response to my previous requests due to me planning my legal case and that i needed SPECIFIC answers to the specific questions I have asked and i have not been supplied with that information. I have supplied my identity theft report, drivers license, utility bill to the bureaus regarding these accounts that are not mine.EQUIFAX, XXXX, XXXX have not supplied me with valid proof and they are still reporting fraudulent accounts after I have sent the proper information in if these accounts arent deleted IMMEDIATELY I will be moving forward with litigation.May i remind you that Equifax has been fined for improper investigations of credit reporting.By putting previously deleted errors back on credit reports and failing to block identity theft related information. may I also remind you XXXX is currently being sued due to sham investigations and inaccurate information being reported and they are in violation of the FCRA, 15 U.S.C 1681i ( a ) ( 2 ) ( A ), 15 U.S.C 1681i ( a ) ( 5 ) ( A ), 15 U.S.C 1681i ( a ) ( 5 ) ( B ), ( C ). I would also like to remind you of Dixon-Rollins v. Experian Information Solutions Inc ( 2010 ) and Miller v. Equifax Information Services LLC ( 2013 ).
Product: Debt collection

Received a demanding letter from Midland Credit Management ( MCM ) stating I owed {$760.00} to them. XXXX heading was Pre-Legal Notification. XXXX states, " If we do n't hear from you or receive payment by XX/XX/XXXX, we may proceed with forwarding this account to an attorney. '' I received the letter on XX/XX/XXXX 
I responded in writing disputing my responsibility for this debt and requested a validation notice from MCM. Note, their letter did not state that I had this option which I understand is required by the FDCPA. 
MCM submitted a response to my request with a statement from XXXX Bank. The name on the account is similar to mine but the address is Nevada. After a quick search, I found the person sharing my name who resides in Nevada with the matching address on the Credit One Bank statement. 
It appears that MCM targets individuals with similar or matching names and bullies them into paying a debt that they do not owe by threatening legal action. 
I have attached the letters I have received from MCM and my XXXX written responses disputing this debt. 
I have formally asked them to stop all communications with me regarding a debt that is not my responsibility.
Product: Credit reporting or other personal consumer reports

I was notified by my credit report monitoring service that several hard credit checks occurred using my information that I did not initiate. An unknown individual applied for a credit card using my information from XXXX XXXX and Bank of America. Both banks have been notified of the fraudulent activity and the applications will be terminated.
Product: Credit card or prepaid card

Vervent/XXXX  is reporting twice on my credit report. This company is reporting inaccurate information. The balance is incorrect, the Date of Last Activity reports different dates with all bureaus. XXXX XXXX XXXX XXXXXX/XX/2020. This account is also XXXXXXXX XXXX XXXX XXXX which is also reporting a different date of last activity XX/XX/2020.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Late Payment XXXX XXXX XXXX XXXX - {$180.00} XXXX XXXX - XXXX - {$0.00} XXXXXXXX XXXX - XXXX - {$650.00} XXXXXXXX XXXX - XXXX - {$140.00}
Product: Credit reporting

I am a mortgage customer of XXXX XXXX XXXX. They are advertising on their main website that you can check for credit card offers, get a decision in less than 60 seconds, and there will be NO effect on your credit report/score. I filled out the information, expecting XXXX to do a soft pull on my report, but they pulled a hard copy credit report. I have the page printed that I am referring to, and also spoke online with one of their reps tonight. He said he would refer it to their main office. I have a copy of the main page as well as the online conversation I had with the rep. Unfortunately I ca n't get it to scan where you read it clearly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently requested a copy of my credit report and found an account that does not belong to me. I was XXXX during the date that this account was opened.
Product: Debt collection

I dont know why is this collection on my credit report. 
I recall any bill or anything about this payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 35 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Product: Checking or savings account

VERY new, clear, concise information is attached - together with the very important supporting information. You are obligated to fully address everything I sent, truthfully and in full details to the government agency. I will let you know when a legal representation is involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance Owed : {$100.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$510.00}.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I have made multiple attempts to have a single late fee reversed as a one time courtesy. I have escalated this twice with a supervisor and the request has been denied. This company is definitely a predatory lender.
Product: Credit card

I took a HELOC loan to pay off some high-interest credit cards. Macy 's store card was one of the cards that I paid off in XX/XX/year> with a cashier check issued by XXXX XXXX. 

Balance on the card = {$3700.00} Payments with cashier check = {$4400.00} Excess payment = {$650.00} ( Refund due to customer ) I waited about a month for the excess payment to be refunded as all the other financial institutions did but Macy did not send a refund for the excess payment.

I called Macys about XXXX weeks ago and was told, they thought I wanted to spend it at the store and I said no, I wanted the cash refunded. I was informed that the excess payment would be refunded but Macy Credit card has not refunded the excess payment as of today XX/XX/year>. 

I tried to call again today but the AI representative could not assist me.
Product: Credit card or prepaid card

I have been an account holder of a XXXX/Citibank Visa for nearly 9 years. My credit limit has always been a steady XXXX - my account is current and presently has a XXXX balance. I have never received an account review, an increase ( or decrease ) in my steady limit. One week after I lodged a complaint against XXXX  due to inaccurate information on my report, and a consistently low and dragging score ( 60-70 points under all other major scores ), I received an email from Citibank notifying me that my credit limit has now been reduced from XXXX to XXXX. I called to lodge a complaint and was unable to remedy the situation. I have no idea why this action was taken as my credit scores previously were much lower than my current score, and no action was ever taken to decrease my credit limit. This impacts my available credit and potentially lowers all scores at all agencies.
Product: Credit card

I am an Identify Theft victim and I was recently forced to hire a company to assist me in removing fraudulent files from my credit reports. 

After a thorough review of my reports, there were inquiries that had been placed on my file, from several companies in which I had n't applied for any credit. This company is Conn 's Credit. 

I mailed them a letter asking them to either remove the hard inquiry from my credit report or send me proof that I had given them permission to run my credit. Conn 's received the letter by fax on XXXX XXXX, 2015 and to date, I have not received any correspondence from their company, nor has the inquiry been removed from my credit file. 

Therefore, I am filing a complaint CFPB, hoping to get a successful resolution of this matter.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and Transunion has as 3-4 security question they asked in which were answered correctly and via Annually Free Credit report I have been refused to be sent a copy of my credit report. I them called Transunion for a copy and they said one is being mailed. The mail came today and it was and application to provide them with other documents. I have submitted all my information on the website and I will not be denied a free credit report by being forced to submit documents by mail. If they want further information that can be sent via fax. I move to Indiana in XX/XX/2018 and have lived my entire life in XXXX, Washington. They have been given both address and my current one here in XXXX, Indiana. My name, date of birth and Social Security and they refuse to send me a copy of my report
Product: Debt collection

I received a call in XXXX from the XXXX XXXX XXXX , XXXX . The call was regarding a Medical Bill, of  {$740.00}, for an out of network physician ( XXXX XXXX XXXX ). I requested that the collection service send me a letter stating the amount owed and other detailed information ( a letter was sent on XX/XX/2018 see attached letter below ). In the letter, the collection service offered a settlement amount of {$550.00}. I contacted the collection service and attempted to make payment. 

In my discussion, I stated that I would send an email to the collection service stating what had been agreed to verbally on the phone. The manager, XXXX XXXX, provided me with an email address : ( XXXX ) and I sent the email ( please see attached document ). In the email, I stated that I would mail a payment of {$550.00} upon receipt of a response to my email referenced above that in summary stated that upon payment, all collection efforts would cease and no reports would be filed with any of the credit bureaus. 

I spoke with an employee at XXXX XXXX after I sent the email, requesting that they respond to the email. At that time, the employee stated that it was a policy of XXXX XXXX XXXX XXXX XXXX not to respond to emails and instead to " Trust Us '' that they would honor the agreement. My intention with the email is to create an audit trail to prove what was discussed and what was agreed to. 

Several more phone calls were received from employees and I again stated that I needed something in writing ( via email ). 

This afternoon ( Thursday, XX/XX/2018 ) I spoke with the Operations Manager XXXX XXXX and stated again that it is my intention to make payment on this settlement balance as soon as possible ( upon acknowledgement of my email ). Again, he stated that the policy was not to put anything in writing, and to " Trust Us '' until after the payment has been remitted ( up to 30 days later ). 

Tomorrow, I will contact the Operations Manager XXXX XXXX and attempt once again to make the payment on the balance upon receipt of an acknowledgement of my email. 

What the collection agency fails to understand is that I need a written agreement that states what both parties agree to in order to settle this issue. The failure on the part of XXXX XXXX XXXX , XXXX. to commit to an agreement in writing constitutes a poor business practice. A written agreement protects both parties.
Product: Checking or savings account

A fraudulent Bank Account was opened in my name on XX/XX/2023. I have contacted Bank of America several times and to date I have not received a letter stating the account was not mines with the correct name it was opened with. Bank of America also distributed finances that belonged to me from a settlement to be cashed by someone else other than me. I have all the supporting documents.I recently got a XXXX XXXX which I included in the dispute letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Loan was charged off on XX/XX/XXXX. On XX/XX/XXXX settlement agreement was signed. Payments were paid until agreement paid. Company. Did not adhere to agreement and was continuously inaccurately reporting account to experian stating that the were. Due to a recent complaint to CFPB complaint XXXX number. They changed the report to reflect late payments from XX/XX/XXXX until XX/XX/XXXX. Payments under a settlement contract are contracted payment amount. FromXX/XX/XXXX until XX/XX/XXXX payments were being made each month on time by settlement contract. Due to continued inaccurate payment reporting and failure to comply with settlement agreement on how to report this account should me removed. I have also been accrued monetary lost due the inaccurate credit reporting due its affect on my credit score due to inaccurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found errors on my credit report. I submitted a dispute on XX/XX/2020 it has been over 60 days. I have not received anything from the bureaus regarding my dispute. They are required by law to address a dispute from a consumer in a timely manner
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating.

As previously disclosed, I am a victim of identity theft. I have reported this with the FTC. 
Please remove this inaccurate information from my report immediately.