23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I signed a purchase agreement for the property at XXXX XXXX XXXX XXXX XXXX with mortgage equity prime. I sent in a plathera of documents and signed many documents to become the owner of this property. The seller and I agreed that I would put up {$1500.00} in earnest money. We negotiated a contingency giving me 21 days to back out and terminate the deal. Enough time for me to get my contractor to inspect the property and get the bid etc. However I would get the earnest money back if I discovered any unforeseen problems with the property. Because this was going to be a rehab property, the lender required me to get a home consultant to manage the renovations. They offered me a list of consultants to pick from. I paid the home consultant {$400.00} up front for his services and was told I would be reimbursed at closing. After several months finally we set a closing date in late XX/XX/XXXX. The day Im supposed to close at XXXX, I get a call from a person that works with mortgage equity prime. Saying there was a compliance issue and between the processor and underwriter they didnt properly put the 15 % reserve in the official closing documents. I was told the company will take {$12000.00} hit if they insisted to close the loan. I was told everything was completed perfectly on my part, however they just made a very bad error. Also the people In place working on my file were merging over to a company called XXXX. I was advised strongly from someone in the company to switch over To the new company or else my loan would definitely not close. I was out another {$1500.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Subject : Dispute of Unauthorized Hard Inquiries on My Credit Report I am writing to formally dispute unauthorized hard inquiries on my credit report. Upon reviewing my credit report, I noticed multiple hard inquiries from car dealerships that I did not authorize. 

The inquiries in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to the Fair Credit Reporting Act ( FCRA ), hard inquiries require my explicit consent. I did not authorize these inquiries, and they are negatively impacting my credit score. I request that these unauthorized inquiries be removed from my credit report immediately.

Please investigate this matter and provide me with the results of your investigation in writing. If these inquiries were conducted without my authorization, I expect them to be deleted from my credit file. Enclosed are copies of my identification and a copy of my credit report highlighting the disputed inquiries. 

Thank you for your prompt attention to this matter. Please confirm receipt of my dispute and notify me of the resolution at your earliest convenience. 

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

I am a victim of identity theft. My personal information was stolen/shared with unknown sources. These accounts are reporting inaccurate information on my credit profile and needs to be removed immediately from my credit files. I have no knowledge of the following accounts nor inquiries reported on my credit report. It is addresses in Ohio with accounts attached that are fraudulent, please remove them immediately. 

Dept of edu/XXXX  : XXXX this is not my account! 

XXXX XXXX XXXX : XXXX, XXXX these are not my account. This are repeated accounts showing on my credit profile by the same company. 

XXXX XXXX XXXX : XXXX {$430.00} I have no knowledge of the account XXXX XXXX XXXX : XXXX {$260.00} This is not my account XXXX XXXX {$2200.00} this is not my account Citicard cbna : XXXX {$440.00} this is not my account. 

XXXX XXXX XXXX XXXX {$530.00} this is not my account Receive recov : XXXX {$1200.00} this is not my account. 

There are more than 30 inquiries on my credit profile from someone trying to still my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the agencies regarding the tax liens on my credit report. I advised of the law that was passed on XX/XX/XXXX and asked what verifying information do they have and notging has been provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX CREDIT HAS REPORTED LATES ON XX/XX/XXXX AND XX/XX/XXXX. I HAVE CONTACTED THEM TO PROVIDE PROOF OF THE INCORRECT INFORMATION, BUT THEY HAVE NOT RESPONDED AND CONTINUE THE INCORRECT REPORTING.
Product: Checking or savings account

I received a text message at XXXX on XX/XX/year> alerting me that my account had fraudulent activity from XXXX. I was immediately called by the number XXXX ( which is Chimes official number ). 

The scam representative told me that my account was going to be put on hold and that I needed to transfer XXXX dollars from my savings to my checking account and that they need to send that money to their supervisor in order for my account to not be compromised. 

Immediately after sending the money they disconnected the phone call and I realized I was a victim of fraud. 

I called Chimes official number at XXXX and explained the situation. They opened up a dispute and said that while they are investigating that they will be putting XXXX dollars back into my account. I then got an email at XXXX saying my claim was closed and no funds would be credited. 

I immediately called Chime and asked to speak to a supervisor and they told me " they have to be firm with me and they are disconnecting the call ''. The supervisor then hung up on me. 

I called back at XXXX and said I was a victim of fraud and need that money back and the representative then told me they are re opening the investigation and that XXXX dollars will be deposited into my account within XXXX business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX Inquiry date XX/XX/XXXX XXXX XX/XX/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 XXXXXXXX XXXX XXXX  Account number XXXX XX/XX/XXXX XXXX XXXX XXXX Account number 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 an account without my written instructions
Product: Credit reporting or other personal consumer reports

I looked over my report on this day of XX/XX/year>, and noticed things are extremely innaccurate. According to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerncing the individual about whom the report relates. 

I asked Experian to investigate these accounts as they have violated serveral articles according to the XXXX XXXX XXXX XXXX. 

( Account XXXX ) Sec, 17:45:14! 7.45.15 17.46.8 17.46.12 17.46.13 17.46.c.20 17.46.c.22 17.46.c.24 17.46.34 17.50.h 17.5052.d.1 17.5052.d.2 17.55 17.58 17.60 17.61
Product: Debt collection

This is so annoying & frustrating. Ive sent TransUnion multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In TransUnion 's responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been 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 am a victim of a data breach in which my personal information was exposed. As a result, I am requesting that any fraudulent accounts opened in my name be blocked and deleted, as authorized by my rights under 15 USC 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ). 

Specifically, I ask that the credit report agency Equifax block and delete the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account was opened or created due to identity theft or the unauthorized use of my personal information. I believe they are a direct result of the data breach and should be addressed immediately. 

To assist in processing my request, I have enclosed the following documents : A copy of my Identity Theft Report filed with the Federal Trade Commission ( FTC ) A copy of my government-issued identification Proof of address Affidavit Social Security Proof I was impacted by the data breach Any additional documents required to verify my identity and the fraudulent activity Please take the necessary steps to block and delete this fraudulent account from my credit file. In accordance with the FCRA, I also request written confirmation that these actions have been completed and that my credit report has been updated accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. CHAPTERXXXXBANKRUPTCY DISCHARDED XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a total of 7 inquiries on my credit report, but I do not know what 3 of them are. 
XXXX XXXX XXXX XXXX - XX/XX/XXXX CBNA - XX/XX/XXXX Citibank - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX  XXXX fraudulently used my nonpublic personal financial information by disclosing said private information information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley-Act ( 15 USC 6802 ). XXXX  XXXX is depriving my of my rights under the color of law ( 18 USC 242 ). and is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to TRANSUNION by way of identity theft and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Product: Debt collection

I am writing to express my deep concern and frustration regarding the continued presence of a fraudulent account on my credit report, despite my repeated attempts to dispute and the successful deletion of this information by other credit reporting agencies. 
XXXX XXXX XXXX XXXX -PLEASE DELETE!!! XXXX have already removed this account from their records. 
I want to emphasize that I am a victim of identity theft, and I have taken immediate action to report and rectify the situation. I have successfully communicated with XXXX and provided them with evidence supporting the fraudulent nature of the account. They have promptly taken the necessary steps to delete this information from my credit report in accordance with the Fair Credit Reporting Act. 
It is disheartening that Experian has not followed suit and continues to report the fraudulent account without providing any valid verification or resolution.
Product: Mortgage

Our original mortgage had the wrong property city and zip. Original mortgage had property city as XXXX and zip as XXXX. We recently received a loan modification and the loan modification contained the correct property city and zip. According to our Servicer, Ocwen Loan Servicing , LLC, the entity that currently owns the account and holds the note is XXXX BankXXXX as Trustee for Option One Mortgage Loan Trust 2006-1, Asset-Backed Certificates, Series 2006-1, XXXX XXXX : XXXX, XXXX, MD XXXX. The new modified loan balance has been reported and reflected in the trust, but the property city and zip are still incorrect.
Product: Credit reporting or other personal consumer reports

i am a victim of identity theft. my id was used to get loans and credit. I filed the correct paperwork and sent it into the credit reporting agencies per the FCRA. I have asked for copies of the verification process and still haven't received the paperwork. 

These are the accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Starting in XX/XX/XXXX I was charged by a company called Simple {$79.00} and then charged this same amount every few months. It happened 4 times. The charges have stopped. I have never done any business with this company nor signed up with them for anything. During this time I was very ill and by the Fall I was in XXXX different hospitals and XXXX  due to a XXXX  XXXX XXXX  which almost XXXX  me. I had to be shocked XXXX times or more. I had XXXX procedures. The first hospital punctured my XXXX and XXXX and released me like this in XX/XX/XXXX. I could not speak or read. Within XXXX weeks I was back in a new hospital ( XXXX XXXX XXXX XXXX ). They had to redo my XXXX  and once inside they found numerous XXXX XXXX They had to change my XXXX  and take it out and put it on my right side. I was in the hospital and very ill before that from summer XXXX through XX/XX/XXXX. Then early this year ( XXXX ) I had to recover. I am finally getting better and I have my cards on auto pay. I have reported these 4 fraudulent charges to Apple Card and Goldman Sachs. They have opened a dispute on these charges and taken off the charges to then only put these charges back on in about 2 months each time. The company took one of the 4 charges off themselves even though I have never spoken to them. I tried to reach out but they will not respond. I am so upset as I pay my bills every month. I need help. I have reported all this information to Apple Card and Goldman Sachss and I was promised that Goldman Sachs supervisor would reach out to me over the phone but no one has ever called. I had to do another dispute for the 3 charges left ( each {$79.00} ). I also found online that I am not the only one that this has happened to. There are many other people with Apple Card That have fraudulent charges from this company called Simple I asked Apple Card /Goldman Sachs to check on where or what the services provided by this company were sent to etc. they never did. They keep saying the charges are legitimate but with NO Evidence. I am begging for help. I dont want to get rid of my Apple Card but at this point I dont know what else to do if this is but taken care of. Please help me : Best regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, IA XXXX Subject : Identity Theft Complaint Regarding Fraudulent Accounts with XXXX 's XXXX Dear CFPB, I am writing to formally file a complaint regarding identity theft that has resulted in the establishment of fraudulent accounts in my name with XXXX 's XXXX. I have discovered XXXX accounts that I did not open, and I believe my personal information has been compromised. Details of the Fraudulent Accounts : XXXX. Account Number : XXXX Date Opened : XX/XX/year>2023 Balance : {$1800.00} XXXX. Account Number XXXX Date Opened : XX/XX/year>2023 Balance : {$2900.00} I first became aware of these accounts when I reviewed my credit report on [ insert date you reviewed your report ]. Upon noticing these accounts, I immediately contacted XXXX 's XXXX to dispute the validity of these accounts and to inform them that I am a victim of identity theft. I have provided them with the necessary documentation, including a police report and proof of my identity, but I have yet to receive a satisfactory resolution. I am requesting that XXXX 's XXXX take the following actions : XXXX. Remove the fraudulent accounts from my credit report with all three major credit bureaus ( XXXX, TransUnion ). XXXX. Provide me with written confirmation that the accounts have been closed and removed from my credit history. In addition to the above, I would like to request the assistance of the Consumer Financial Protection Bureau in investigating this matter and ensuring that my rights as a consumer are upheld. It is crucial for me to restore my credit and protect my financial identity. I have attached copies of relevant documents, including my identification, the police report, and any correspondence with XXXX 's XXXX regarding this matter. Thank you for your attention to this serious issue. I look forward to your prompt response and assistance in resolving this matter. Sincerely, XXXX XXXX XXXX
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 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : Chapter XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 


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 15 U.S.C 1681c. ( a ) ( 5 ) 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. 1681s-2 ( A ) ( 1 ) 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: Mortgage

My mortgage is with Selene, loan # XXXX. They have set a foreclosure date for XX/XX/year>. They called me and harassed me on XXXX XXXX at XXXX. I was diagnosed with XXXX last XXXX and had XXXX in XXXX. I am starting XXXX  on XX/XX/XXXX that will last for at least a year. I tried to explain that to their, but he couldn't have cared list. If I lose my home, I will have nowhere to go. I am a XXXX XXXX XXXX widow. I am trying to do all that I can to save my life. I can not show up for my treatments if I have to live in my car. I have XXXX  rescue pets who rely on me. I can produce documents of my diagnosis  if needed. I am being treated at the XXXX XXXX XXXX in XXXX, Virginia. I am asking Selene to stop this foreclosure for this reason. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian 's website is now showing shut down and or unable to submit my request to dispute wrong information and or negative items on my report.The first contact was XX/XX/year>
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX Balance : {$11000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX