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

PERSONAL STATEMENT CFPB I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : ACCOUNTS : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Experian has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2020 we hired a company to purchase and install blinds throughout a new home purchased. The XXXX company didn't finish the job and what they did provide was seriously unacceptable. We tried to contact them many many times with no response. 
We began to get collection bills in the amount of {$5000.00}. When we called the collection company we were getting no response. We'd call and be left on hold for over an hour. 
When we finally got through and explained the problems we had they said they would research. Never got any resolution and found out the XXXX company had gone out of business. When we went to refinance our mortgage we found out the collection agency had filed against us with the credit agencies. I had perfect credit even through Covid-19 I continued to work and was then denied because of this charge from that collection agency. Filed a complaint with all the credit agencies and they said they would check out the issues. Never heard back and then they said all would go away if I just paid the {$5000.00}. I tried to be reasonable but why should I pay for defective and missing product. I am trying to refinance my mortgage in order to buy a a new business and home. I am trying to move on from the terrible position the Covid-19 left all of us in this Country in. This is just not fair. How can we help move this Country on if these collection agencies and mortgage companies just don't care.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Consumer Assistance XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Request for Written Instruction Pursuant to 15 USC 1681b ( 2 ) Dear Experian Consumer Assistance, I hope this letter finds you well. I am writing to address a matter concerning the furnishing of a consumer report without my explicit permission. Pursuant to the provisions outlined in 15 USC 1681b ( 2 ), I hereby request that you provide me with a written instruction, if any, that I have on file granting you consent to furnish a consumer report on my behalf. This request is made in accordance with my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). 

To my knowledge, I have never given Experian consent to furnish a consumer report about me in the first place. As such, I believe that your actions may be in violation of federal law. I kindly request that you promptly provide me with the aforementioned written instruction, if it exists, to substantiate your right to furnish a report on my behalf. 

Failure to provide the requested documentation will leave me no choice but to pursue legal action against Experian for noncompliance with federal law. I will not hesitate to file a complaint in federal court and seek appropriate remedies. Additionally, I will consult with legal counsel immediately to ensure that my rights are protected throughout this process. 

Furthermore, I demand that the entire consumer report pertaining to my personal information be expunged from your database if my consent can not be substantiated by a valid written instruction. This includes any and all associated data, as well as any information derived from the consumer report. I expect full compliance with this request within the timeframe specified by applicable laws and regulations. 

Should this matter remain unresolved, I will provide you with an affidavit of truth and an invoice for the inconveniences caused by your noncompliance with federal law. I trust that it will not come to this, as I believe Experian values its reputation as a responsible and law-abiding credit reporting agency. 

I appreciate your attention to this matter and expect a timely response within [ number of days, normally 30 days ] from the receipt of this letter. Please address all correspondences related to this matter to the address provided above or via email at XXXX. 

Thank you for your prompt assistance in rectifying this situation. I hope we can resolve this matter amicably. 

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

This complaint is against CHASE.I disputed the debt they claim I owe them online and I recently wrote their company, I informed them that my proper name is XXXX XXXX XXXX, not XXXX XXXX XXXX All Capital letters, I reserved my rights with them using UCC 1-308, I never used the card when I received it, I don't remember my wet signature on any of their documents, Chase never loaned me any money or legal tender, I didn't authorize Chase to access my credit report, I don't understand how I'm liable for any debt with Chase. Under the law, only Congress can issue legal tender, and XXXX XXXX relieved me from debt, since it's public.
Product: Mortgage

My loan with XXXX was transferred to Planet Home Lending as of XXXX. I've been calling Planet Home Lending to set up payment arrangements, months of XXXX and XXXX show due. I've been unable to reach anyone at number provided, XXXX, my social security is entered, no account pulls up. I need payment information including XXXX XXXX, I intend to make XXXX payment this coming Friday, XXXX. I intend to make XXXX payment by end of this month ; XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The 3 Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. 3 Credit Bureaus have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. XXXX XXXX Inquired on XXXX XXXX, 2022 ; XXXX  XXXX XXXX XXXX Inquired on XXXX XXXX, 2022 ; XXXX XXXX XXXX Inquired on XXXX XXXX, 2022 ; XXXX XXXX Inquired on XXXX XXXX, 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX had a major data breach in XX/XX/XXXX, after which I placed a freeze on my account. 

They issued a PIN number to be used to unfreeze the account, which I dutifully kept for 3 years. 

When I wanted to refinance my mortgage, I needed to unfreeze my account. 

HOWEVER, Equifax is making it impossible to unfreeze my account online ( which I tried ), or over the phone ( which I also tried, after correctly answering 8-10 questions about my credit history through their automated system ), and they no longer accept the PIN number they issued. 

They are asking I FAX or MAIL a copy of my driver 's licenses and social security card. No one has a FAX machine anymore, and MAIL is unreliable. Due to the delays, I will incur costs if the rate on my mortgage changes between now and when EQUIFAX decides to stop holding my personal information HOSTAGE. 

EQUIFAX should be barred from the industry. They are not serving their customers or fulfilling their duty!
Product: Checking or savings account

Re : Urgent Request for Temporary Credit - Claim Number XXXX From : XXXX XXXX - XXXX To : Consumer Financial Protection Bureau ( CFPB ) - XXXX Cc : XXXX XXXX XXXX with XXXX XXXX XXXX, XXXX XXXX Claims Act - XXXX, XXXX, XXXX XXXX - XXXX Date : Sat, XX/XX/2023, XXXX XXXX Dear Consumer Financial Protection Bureau ( CFPB ) and Bank of America XXXX XXXX XXXX, I hope this communication reaches you in good spirits. I am reaching out regarding claim number XXXX, a transaction dispute that I filed a week ago. 

Having been a dedicated client of Bank of America, contributing significantly to the bank 's cash flow with more than {$10000.00} monthly, I find it prudent to assert my entitlement to swift and equitable service, especially during challenging times like these. Given the considerable financial rapport I hold with the bank, it would be fitting to regard me as a top client and grant me a temporary credit for the disputed transaction. 

Furthermore, I believe it is essential to note that all clients, irrespective of their financial standing, should be accorded a temporary credit immediately after successfully filing a transaction dispute. This practice will not only fortify trust between the bank and its clientele but also ensure that clients can manage their finances without unnecessary strain during the investigation period. 

This interim credit represents not just an assurance of my fiscal steadiness but is also emblematic of Bank of America 's longstanding dedication to client contentment. While I trust your team 's proficiency in efficiently settling such matters, this temporary credit would immensely assist in stabilizing my financial stance during the investigation. 

I would be grateful for your expedient attention and an update on when the temporary credit would be reflected in my account. 

Eagerly awaiting a prompt resolution. 

Warm regards, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several inquiries on my credit report that I did but give authorization to nor was I aware of. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

As you can see in the attachments, XXXX settled a XXXX XXXX XXXX XXXX XXXX in 2020. According to the agreement, my debt is to be forgiven and the account status updated to positive or the account removed from credit report. Because of what they agreed to in the settlement, this has now become a violation and need to be corrected within 30 days of receipt of this. XXXX has already complied with decision and has removed the account from Credit Report.
Product: Checking or savings account

On XX/XX/year> I submitted a claim due to fraudulent activity. Over {$1000.00} was stolen out of my account. My debit card was stolen and pin was compromised. I alerted chase bank and they gave me a credit for the items. On XX/XX/year> XXXX stated that they would be taking back a partial credit due to the research they did and stated some of the charges were not fraudulent. The charges they deemed authorized were charges made in a different state. I told them these charges were not made by me and I asked for them to provide proof of an actual investigation. They have stated that there is nothing for them to show me and that there is nothing for them to do. I have never visited these locations or even these states. I have tried numerous of times to get this resolved but they have not helped. This has happened a lot since I have been with this bank and they refuse to refund me money that was stolen from me and not authorized.
Product: Debt collection

This company has continued to call me repeatedly. They have called as early as XXXX am and will often call several times in a row, send text messages and emails. I usually get at least XXXX attempts of contact from them in a row. This morning XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Today XX/XX/2021I received a letter from : sunrise Credit Services Inc trying to collect a debt of {$64.00} I don't know who are they and I don't own money to not one. 
It may be a scam but here is the information about the company
Product: Credit reporting or other personal consumer reports

I am filing a compiaint against Experian for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

Late payments appear on my credit report but seem inaccurate. Please make corrections and update the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Following accounts are fraudulents : XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX All the inquires from : XXXX  XXXX XXXX  XXXX  XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Payday loan, title loan, or personal loan

long story short at one point I was financial problems to keep up with my loan. there are late payments shown on my credit report. I had XXXX left to pay on my loan. I paid it all off and asked since I am paying my entire loan amount up front can we remove the late payments from all credit reporting agencies they have retorted too. they said no. I said please remove the negative feedback as I am paying my loan off entirely. They are not willing to work with me. the whole point for this is because I was trying to refinance my home. and this is what is messing everything up. because it shows on my credit reports. Can you help me please.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with XXXX on XXXX XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there were CHARGE OFFS accounts on my credit report. These are disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time, as well as this incorrect information on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the Identity theft report ( FTC report # : XXXX ). I have never with these accounts listed below, so please help me remove these charge off, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX 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

This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXXXXXX XXXX XXXX This hard inquiries is the results of identity theft and fraud.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : IQ Data INTL INC Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account number : XXXX Your NAME : Your address : XXXXXXXX XXXX XXXX XXXX XXXX Dear ( Debt Collector ) XXXX XXXX XXXX IQ Data INTL INC I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Checking or savings account

I held a joint checking account with my father, after his passing in XX/XX/XXXX, I went to Fulton Bank, XXXX XXXX, XXXX XXXX, XXXX, DE XX/XX/XXXX and presented a short certificate, death certificate and other required identification to have him removed from the account - transaction removing deceased signer. On XX/XX/XXXX, I was told the account was transferred to my name and I was the only person to have access to it. Seven months later, I came to find out that someone else had been going into the account and checking balances and watching activity. When I found out, I contacted the banks customer service line. After being transferred to online access, I was informed that while I was the only person with access to the account, the online access to the account was not shut down, hence leaving it open to anyone who had access prior to my father 's passing. My personal non public information was violated.