23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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 XXXX XXXX XXXX. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( 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 informationisinaccurate. 
Please remove these Inquiries from my credit report.
Product: Mortgage

I faxed mortgage modification request and financials to XXXX XXXX   XX/XX/2018. 
I've had a change in my financial circumstances I need assistance with bringing my mortgage current. A follow up call was made to Selene XX/XX/2018 inquiring if they received modification documents and financials and if there any other documents needed at this time. I was informed by XXXX Selene modification dept. the documents were received, the property foreclosure sale wouldn't be put on hold even though they had all required documents in their possession and the file is being processed.Selene has been uncooperative and hard to work with. I feel they are discriminating against me and trying to let my home foreclose. I don't want to lose my home.I received a property foreclosure letter from the Attorney XXXX and XXXX dated XX/XX/2018 with a property sale date of XX/XX/2018. I researched the Tennessee statue in regards to property foreclosure sales and Tennessee Code Annotated states the homeowner is to be given 30 day notice prior to the foreclosure. I did not receive the 30 day notice as required by Tennessee Law. Please, Please, Assist me
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX. 
XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year> Credit Collection Services XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Subject : Cease and Desist Request for Deletion of Collection Account Dear Credit Collection Services, I am writing to formally request that you immediately cease all reporting of the collection account associated with my name, which appears on my credit report. This request is made under the privacy protections afforded to me by 15 U.S. Code 6802. I have reviewed my credit report and noticed that your company is reporting a collection account that is inaccurate or incomplete. 

According to the Fair Credit Reporting Act, I am entitled to dispute any information that I believe to be erroneous. If you do not cease reporting this account, I am formally requesting Proper Validation and Proof of Claim as per the Fair Debt Collection Practices Act ( FDCPA ). I seek comprehensive validation of the alleged debt, including evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. 

For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : 1. A copy of the original contract or agreement under which the debt arose.

2. A detailed account statement showing the amount of the debt, including any fees or interest.

3. Date of Last Activity.

4. Full, accurate social security number that may help to identify me as the correct person you are trying to collect from.

5. Documentation confirming that you have the legal right to collect this debt.

6. Any correspondence related to this account that includes my signature or consent.

I demand that you take the following actions : 1. Immediately cease reporting the collection account associated with my name. 

2. Confirm in writing within 15 days that this account has been deleted from all credit reporting agencies or provide the requested validation. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. 

Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. 


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

Based on your last response on XX/XX/2023 you claimed you removed the public record from your report I call XXXX XXXX XXXX XXXX. After reviewing your response up until approved 46 there was no indication of you removing anything review the file! What I do liked that you listed each time you responded. With numbers so it will be easier for you to identify which of your approved responses showed and where you stated removal And there is nothing frivolous about this you just been caught up in a lie thats what this is all about! Remove this XXXX  XXXX and lets move forward! From your report and XXXX  XXXX and XXXX immediately Each one of you need to send a a updated credit report reflecting the Permanent removal
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

I responded to an email by XXXX, called the number and spoke to a person named XXXX at XXXX. He immediately got onto my computer wanting to refund me even though the XXXX  were not mine. At that time, he also told me that I owed XXXX XXXXXXXX XXXX  and that I needed to send this money immediately. He showed me the XXXX in my account and proceeded to wire the XXXX to a XXXX XXXX. I was also told I was not permitted to go onto my Chase account, call Chase and to keep my computer on at all times. The next day, XXXX contacts me by phone and email saying that I have committed a financial violation and was receiving a penalty in the amount of XXXX.He told me that he and his legal team met the previous evening would send me the amount of XXXX but i had to wire the XXXX to XXXX. He was able to show me the XXXX in my account. Since it was such a large amount, i needed to go to the nearest Chase to do so. I was threatened by XXXX  to myself and family if this was not done immediately. I was terrified and complied with his demand. I continued to receive constant calls from XXXX as to the status of the money along with continuous threats. Within the next XXXX XXXX XXXX, I needed to make a payment to my chase XXXX. I disobeyed XXXXXXXX XXXX demands and went onto my Chase account. That was when I found out the XXXX XXXX were taken from my HELOC account. I then called Chase to tell them what happened and contacted the local police dept. The following morning I went to Chase for them to cancel the wires. I also filed reports with IC3, FTC, NYS Attorney General. Dealing with Chase is impossible, they will not let me know what steps they have taken to try to get this money back. have proof of all emails, screen shots and reports that were filed. I am an honest person who is XXXX XXXX XXXX and has a very good credit score and would never file reports that were not true since this is a felony to do so.
Product: Credit card or prepaid card

My USBank ReliaCard card has been blocked for nearly 3 weeks now. To move forward in the process to get the card unblocked I had to prove my identity. Ive submitted my drivers license photo and I also submitted a photo of my face to their fraud department website to get my card and account unlocked so I can use my funds. I have done that twice so far and every time I call their customer service line nothing gets done! Every worker gives me the same answer of give it 2-3 business days and call us back. This isnt ok. There is no fraud and has never been any fraud on my account. They are simply holding my funds XXXX that I need to use on groceries, bills, toiletries. I havent been able to pay my bills. I am begging that yall infiltrate this situation and close the account and card so I can reopen a new one so that I can have my funds released to me. They didnt even have the decency to alert me that my account was being locked. Please help! Im facing cutting of services. I have nearly {$400.00} sitting in the account. Also when I call they now just hang up after a certain amount of time as if theyre trying to avoid me. Or they simply dont answer my calls anymore.
Product: Debt collection

I found out that my credit card was seized by XXXX XXXX XXXX without my consent by my credit card agency when I called them. XXXX XXXX XXXX was unable to provide any assistance in the matter or clarify how to fix the problem. When asked, they were unable to provide a supervisor name or authorized staff to assist with removing my account from the person who stole my add information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX XXXX  {$500.00} XXXX XXXX   XXXX {$130.00} XXXX XXXX XXXX XXXX {$190.00}
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : 1. Name : My current legal name is XXXX XXXX. I request that my name be updated to reflect the correct information. 

2. Address : My current residential address is XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NY XXXX. I request that my current address be updated accordingly. 

3. Employer : my current employer is XXXX XXXX XXXX. I request that my new employer be updated as my primary.
Product: Credit card

Citibank holds now my account at Exxon Mobil. After 23 years they raised my interest to 25.24 % without notice. Then they lowered my credit limit AND NOW AGAIN without any previous notice has from XXXX day to the next, closed my account. I have NOT been late or missed any payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am a victim of identity theft and have seen items on my credit report that is not mine with XXXX  XXXX XXXX  and XXXX XXXX XXXX. i have filed a complaint with FTC for identity theft and need these items to be blocked per 15 usc 1681c-2. they are reporting on all 3 CRA 's i have attached documents below
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and noticed there were XXXX  loans on my report that I did not authorize. I have never applied for a XXXX loan before, and I have a total of {$33000.00} in loans from a company by the name of XXXX XXXX. I reached out to XXXX, XXXX, and Equifax via phone and certified letter on XX/XX/21 and XX/XX/21 to dispute this inaccurate information. I also reached out to the XXXX XXXX on XX/XX/21 and XX/XX/21 asking them to provide me with some form of debt validation. Today is XX/XX/21 and I have still heard no response from this company. All XXXX of the bureaus claim to have verified that I took out these loans, but this can not be true. I specifically asked each of the three bureaus to provide me with debt validation from the alleged creditor, and each company completely ignored my request and sent me a generic-like response to my dispute. It has been well over 30 days since Ive exercised my consumer right to ask for debt validation from this loan company, and the fact that they havent responded is unacceptable. Ive already called all three bureaus with this information, and they are still refusing to remove this information from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent an email to the courthouse asking do they report bankruptcy to any credit agenices and I received an email back stating that they do not report any bankrupcy to any credit bureau. If that the case how did the credit agencies verify my bankrudtcy as 100 % accurate. They never did a fair investigation according to the 15 U.S.C 1681.

15 U.S.C. 1681 SECTION 603 ( 3 ) ( E ) states The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They have violates my rights numerous of times. 
15 U.S.C. 1681 1681 SECTION 602A states I have the right to privacy. 
15U.S.C. 1681 SECTION 604A SECTION 2 states a consumer reporting agency can not furnish an accounnt without my written instruction. 
15 U.S.C.1681s-2 ( A ) ( 1 ) states Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I NOTICED SOME ACCOUNT LISTED ON MY CREDIT REPORT THAT IS NOT ADDRESSED TO ME, SO WHY IS THESE CREDIT BUREAUS REPORTING INACCURATE FRAUD ACCOUNT ON MY CREDIT REPORT THIS IS AGAINST THE FCRA, THESE ACCOUNT WASNT OPEN UNDER MY NAME AND SOCIAL AND ADDRESS,
Product: Credit reporting or other personal consumer reports

This account is incorrectly being reported as a charge off account with a balance due. Please provide proof the charge off and update the balance to {$0.00} or delete the negative payment status on this account.
Product: Credit card or prepaid card

Someone used my information to open accounts in my name I want to dispute this immediately. I am a victim of identity theft and the following accounts are fraudulent XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX {$470.00} XXXX XXXX XXXX XX/XX/XXXX {$120.00}
Product: Credit reporting or other personal consumer reports

I am requesting the immediate removal of these unauthorized accounts from my credit report, as I neither opened them nor knew they existed. As per USC XXXXg, please delete them within 15 days. I have included the necessary supporting documentation.
Product: Money transfer, virtual currency, or money service

A money transfer was unsuccessful due do to XXXX not accepting funds and demand that was sent they only accept a victim only accept direct deposit or ACH from a bank account account request for refund from Western Union who refuses From the transaction fee in a multiple {$16.00} portraits action there was 3 transactions I received email stating that I would receive the complete refund transaction plus plus money transfer amounts but I have not what's the name of your feet what's the need to be fuses to assist assist customer service representatives hang up the phone I'll keep you on hold for 3 hours waiting for waiting for resolution that That's not happened
Product: Debt collection

I received call from XXXX to my cell phone at XXXX on XXXX XXXX, 2015. The number is registered to Midland Credit Management. The caller refused to answer my repeated questions of " Where are you calling from? '' " What company are you with? '' After several refusals, they were going to " transfer me. '' I believe this is fraudulent behavior as the FDCPA prevents them from " place telephone calls to you without identifying the caller as a bill collector. ''
Product: Credit reporting or other personal consumer reports

I sent disputes to the credit bureaus concerning fraudulent information reporting on my consumer report but they have not corrected it. 

I am writing to formally dispute several accounts that appear on my credit report, which I believe contain inaccuracies and violations of federal laws. The accounts in question are detailed below : 1. XXXX XXXX XXXX Account Number : Not Available 2. XXXX XXXX Account Number : Not Available 3. XXXX XXXX XXXXXXXX Account Number : Not Available I am disputing these accounts based on the following grounds, as supported by provisions of the Fair Credit Reporting Act ( FCRA ) : 1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), these accounts are not reporting 100 % accurate information. They contain errors and discrepancies that misrepresent my credit history. 
2. These accounts were erroneously reported as a result of the XXXX data breach, which constitutes a direct violation of the FCRA. The reporting of these accounts is inaccurate and should be corrected accordingly. 
3. Under 15 U.S. Code 1681a ( 2 ) ( B ), these accounts do not meet the criteria for inclusion in a consumer credit report. Any credit transactions supposed to be excluded from a consumer credit report, particularly those involving the unauthorized use of my Social Security number, should not be reported.
Product: Credit card or prepaid card

I have never been late with my payment to amex and was charged a late fee of {$30.00} and AMEX refused to refund me.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX and XX/XX/2024 I saw 7 hard inquiries on my credit I didnt authorize. I was scammed by XXXX XXXX also known as XXXXXXXX XXXX XXXX on XXXX XXXX XXXX XXXX, Ohio XXXX. I met a man name XXXX on XXXX that said he worked for the XXXX XXXX XXXX dealership. I told him I was going through XXXXXXXX XXXX my bank and he told me he wanted to just see what amount I would get pre approved for without running my credit. He said I would get a call from someone to verify I took my fraud alert off. He said it would just be a soft inquiry, so I remove the fraud alert temporarily to find out he misused and took advantage of me and ran my name with multiple people I didnt agree to. The car place XXXX XXXX XXXX said its not they problem take it up with XXXX but they appear on my credit illegally as well and I told them I never spoke to them to authorize this.
Product: Credit reporting or other personal consumer reports

The following companies made multiple inquires for my XXXX credit report without my consent for knowledge while I was hospitalized. Please see the following companies and dates listed below. 

XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT INQUIRIES REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD INQUIRIES 4inquiries These lenders have accessed your credit file : 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 XXXXXX/XX/XXXX RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.