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

To Whom It May Concern, I am writing to demand the immediate blocking and removal of fraudulent information from my credit report. My social security number has been compromised as a result of identity theft and a data breach. Attached to this letter is the FTC Identity Theft Report I filed. You are legally obligated to block and remove the fraudulent information from my credit report within four business days of receiving this complaint, as mandated by 15 USC 1681c-2 ( c ) ( a ). The following items are disputed and must be addressed immediately : XXXX XXXX XXXX It is disheartening to note that the data in question has not undergone the necessary certification process to conform to established reporting standards. Consequently, the inclusion of this data does not provide any assurance of its accuracy, currency, or comprehensiveness. Additionally, it is crucial to acknowledge that this information may be deficient, obsolete, or lacking adequate support. In light of these concerns, I earnestly request the removal of any erroneous or unsupported material from this page. 

XXXX - XXXX It is imperative to acknowledge that this information might be deemed incomplete, outdated, or unsupported. Thus, we kindly request the removal of any erroneous or unsupported content from this page. Your prompt attention to this matter would be greatly appreciated. 

XXXX XXXX XXXX XXXX  I believe that this item may have been reported unfairly, without proper certification, or even unlawfully. Specifically, I demand that the allegation of late payments associated with this item be deleted immediately, as required by law. 

XXXX XXXX XXXX XXXX  I believe that this item may have been reported unfairly, without proper certification, or even unlawfully. Specifically, I demand that the allegation of late payments associated with this item be deleted immediately, as required by law. 

I did not initiate any of these inquiries. If you believe otherwise, provide me with copies of my written consent. The following items must be removed from my consumer report immediately under 15 U.S. Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) : XXXX XX/XX/year> Unauthorized hard pull, where did you get this misleading information? This is unfair! DELETE! 

XXXX XXXX XXXXXX/XX/year> Unauthorized hard pull, where did you get this misleading information? This is unfair! DELETE! 

XXXX XXXX XXXXXX/XX/year> Unauthorized hard pull, where did you get this misleading information? This is unfair! DELETE!
Product: Debt collection

I signed a lease at XXXX XXXXXXXX XXXX XXXX in XX/XX/XXXX for the following year XX/XX/XXXX-XX/XX/XXXX, I later found out that I had to move due to military orders and notified the apartment complex verbally. XXXX XXXX was the leading manager at the time and he told me that he would take care of the issue and I was fine. Turns out they still had me under the responsibility of the lease, even though another person, XXXX XXXX, moved into this same unit # XXXX during the time of the lease. I also later realized that I didnt pay any application, administration or deposit and the complex ran my credit any way and allowed me to sign a lease before getting approved. I called and they told me that they didnt have any emails or other records from XXXX XXXX because he quit. I went to talk to the new leasing manager, XXXX, and she did not provide me with any assistance, instead she gave me the number to the property manager, XXXX XXXX XXXX. I contacted XXXX XXXX through email and he asked for my the military orders and I sent them. After several weeks of no responses to my constant emails, voice mails, and text I sent a final email on the intent to sue for wrongful debt. Then and only then did another person, XXXX XXXX, call me and left a voicemail informing me XXXX XXXX XXXX forwarded her my information and also told me that the military orders are not what they are used to and told me I needed to turn in a signed form. However, XXXX XXXX has not returned any of my emails either about this form and it is getting frustrating because Ive been trying to resolve this issue for months. No one is trying to help me and this mark is ruining my credit. I never moved in, never received keys, and they allowed someone else to live in the unit that I was supposedly supposed to be paying for. This is so frustrating and I do not want to be bothered with this apartment any further.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the item listed below which is reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. 

XXXX XXXX Date Opened XX/XX/16 XXXX {$580.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX and XXXX XXXX XXXX XXXX credit card is lost/stolen. The fraudulent charges/transactions dont belong to me. The balance on these 2 accounts dont belong to me, because both of my credit card accounts with XXXX and XXXX XXXX is lost/stolen.
Product: Credit reporting or other personal consumer reports

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. FREEDOM MORTGAGE CORP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  were reflected as late payments on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Product: Credit reporting or other personal consumer reports

Every time I attempt to get my credit report it says it can not verify my identity I have mailed documents and also uploaded prof of my identity on Experian.com and still I am able to get my report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts to dispute incorrect information on my credit reports regarding XXXX. I sent several letters to all 3 credit bureaus as well as XXXX asking for this account to be removed from my credit bureaus. XXXX never responded to my complaints. They, nor XXXX, Equifax or XXXX provided proof that I ever had an account with their company but they all continued to report the account as accurate. I would like these companies to provide me with written proof of any contract that I ever signed with them. If they can not provide me with proof, I would like it removed from my bureaus.
Product: Credit reporting or other personal consumer reports

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX Date of Birth : Date of Birth : XX/XX/year> Social Security Number : SS # : XXXX Current Address : XXXX XXXX XXXX XXXX, New York XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

XX/XX/XXXX - A fraudulent charge of {$20.00} appears on my account titled XXXX  used with my debit card. I do not notice this charge until two days later because my bank, JP MORGAN CHASE did not inform me of the suspicious charge. 

Early Morning XX/XX/XXXX - A second fraudulent charge of {$20.00} appears on my account titled XXXX OF XXXX used with my card. I do not notice this charge until the next day because my bank, yet again, did not inform me of the suspicious charge XX/XX/XXXX - I notice the charges after logging into my bank account - I immediately contact the fraud team and have my card shut down and a claim opened. Funds are temporarily deposited into my account with the assurance that they would most likely not be overturned in the future. 

XX/XX/XXXX - The first {$20.00} claim was rejected and debited against my account without an explanation as to why. Claim ID XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, South Carolina, XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXXXXXX XXXX XXXX XXXX ), Has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy. 

XXXX5 U.S.C 1681 Section 604 A Section 2 : It also states a consumer can not furnish an account without my written instructions. 

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.|
Product: Credit reporting or other personal consumer reports

I requested a validation letter pertaining to 15 usc 1692g. Aldous and Associates did not send the validation letter, and 15 days have passed. This is ruining my credit worthiness and is also defamation of character when other companies see my credit report.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Former : XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX Also Known As : XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> somebody made a hard credit inquiry for a XXXX  XXXX credit card on my name, I've never applied for a credit card so I called XXXX and transunion and they both told me I need to file a report with ftc or police to do anything about it, I called XXXX XXXX on XX/XX/XXXX and this lady told me there was nothing she could do. I called again today because I received an email stating that a card has been sent so I called XXXX XXXX again and told them it was fraud and I needed it canceled, they couldn't give me the phone number associated with the account but he did give me the area code of XXXX and I know nobody with a XXXX number he said the card is canceled now but the fact it went that far is rediculous
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian investigation never sent us any proof of their investigation -They are just sending letter See attached info
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX  # XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Checking or savings account

Hello, On XX/XX/XXXX and XX/XX/XXXX I made 2 deposits into a Chase Atm machine. At the time of the deposits, the bank was not open and I needed to exchange small bills for larger bills. For one transaction, I deposited {$900.00} in small bills ( {$20.00} bills ) in exchange for 9 hundred dollar bills. For the other transaction, I deposited {$400.00} in small bills ( {$20.00} bills ) and did a XXXX  online transfer from an outside account into my checking account for {$100.00}. After the {$100.00} online transfer and the {$400.00} deposit, I withdrew the {$500.00} in 5 hundred dollar bills. After checking my statement, it showed that I withdrew the {$900.00} and the {$500.00} but my statement is missing a deposit of {$500.00}. I contacted Chase and they did an investigation and temporarily provided me the {$500.00} they lost. After their investigation, they removed their {$500.00} and closed my case saying they did not find that deposit. Someone from this company took my money and I would like to open an investigation. 

Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started XX/XX/2023 I have called I have mailed letters to transunion asking them to take the things off of my report that is fraudulent, which is the inquiries on my report they have yet to do that. Also in the last case they stated the US BANKRUPTCY COURT provided them information about my filings and that is False. I have sent transunion a copy of the bankruptcy court letter, and I will upload my letter to this claim. I have filed a police report i I also sent a copy to transunion and I will upload it to this claim. Transunion have violated my rights as a consumer. And when I call to talk with someone they get really aggressive with me, mainly the supervisors. All I want is whats right! The Fair Credit Reporting Act ( 15 U.S.C. 1681 ) if i dont get the right resolution after this claim I would like the CFPB to help me file a lawsuit against Transunion and Against anyone that has violated my rights!! I have followed every procedure transunion has asked me to do but they have not been following the laws.
Product: Mortgage

NewRez took over servicing from XXXX. 

When I call NewRez at their loan servicing toll free number the call center IVR states that call will be recorded as my call to them is related to a debt collection. When I reach an agent they state that the call will be recorded as it is in regards to a debt collection. 

Since my loan is not in default stating that the call is being recorded as it relates to an effort to collect a debt is not valid.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, encountered multiple violations of the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws relating to my credit report. These violations involve the willful reporting of inaccurate, unverified, and deceptive information by credit reporting agencies and debt collectors. Specifically : Failure to Verify Accuracy : Credit reporting agencies accepted and furnished information about me without verifying its accuracy, violating FCRA Section 616.

Inadequate Disclosure of Rights : They failed to inform me of my right to opt out of having my personal information shared, which breaches FCRA Section 603 ( d ) ( 2 ) ( A ).

Deceptive Reporting Practices : Some accounts and inquiries were reported inaccurately, violating Section 623 ( a ) ( 3 ) of the FCRA and causing significant distress.

Harassment and Unfair Practices : Debt collectors engaged in deceptive tactics, reporting debts without proper validation or my consent, and contacting third parties about alleged debts, violating both the FCRA and the Debt Collection Practices Act. 
Late Payment Errors : Late payments were reported without proper justification or clarity, making the reporting misleading and inaccurate.

Finance Charge Inaccuracies : Errors were made in determining finance charges, which further contributed to the inaccuracies in my report.

Unlawful Reporting of Information : Some accounts were reported without obtaining my explicit written consent, which violates the permissible purposes outlined in the FCRA.

These issues have led to incorrect and damaging information on my credit report, prompting me to demand corrections and deletions of inaccuracies. I authorized this dispute and outlined specific instances and accounts where violations occurred. For each disputed item, I have requested validation under 15 U.S. Code 1692g, which requires the production of evidence, such as contracts or agreements bearing my signature. In cases where validation can not be provided, I demanded the immediate removal of the inaccurate items. 

My intention is to ensure that my credit report reflects only accurate and validated information and to hold responsible parties accountable for these violations.
Product: Credit card or prepaid card

On XX/XX/XXXX XXXX sent a misleading email stating that we were 2 % from our companion pass. This email induced us to spend money on the chase card ( which is how wed earned the overwhelming majority of our points in 2018 ). The email did no state that spending on the chase card between XX/XX/XXXX and XX/XX/2018 would add 0 qualifying points toward the XXXX companion pass. Furthermore, on or about XX/XX/2018 I called XXXX and spoke to a representative who confirmed multiple times during the conversation that {$1.00} spent on the chase card = 1 point toward my companion pass. The southwest representative understood that I was referring to the 2018 year for the companion pass. XXXX thru the email they sent on XX/XX/XXXX and the phone conversation with their representative on or about XX/XX/XXXX misled me, the consumer, in such a was that induced me to spend over {$4000.00} on the Chase card between XX/XX/XXXX and XX/XX/XXXX. Had I not received the email from southwest I would not have acted in the way that I did. XXXX misled me, to the benefit of Chase. I can provide the email and subpoena the phone call with XXXX from XX/XX/XXXX as evidence supporting my claim.
Product: Checking or savings account

On XX/XX/22 I went to the branch to deposit a cashier check into my business account. I did not want to deposit a personal check due to the holds Bank of America usually places on personal checks, so I thought it was best to get a cashier check for the amount of {$12000.00}. 

Knowing I needed the funds to cover business payments, I asked the cashier ( who happened to be the manager on duty ), if a hold was going to be placed on a cashier check. He explained the only way he could know that was by going through the process of depositing the check. I told him then that, if a hold was to be placed, that I needed my check back to deposit at another bank or to just cash it and deposit cash. He agreed and processed the deposit. He told me then that, in fact, a hold was to be placed but only until the next business day. He told me that {$5300.00} were going to be available the following Monday ( I was making the deposit on a Friday morning ), and the balance on XX/XX/22. I was ok with that timeline and proceeded with the deposit. About and hour later I get an email from the bank stating that the check -a CASHIER CHECK- was at risk of being returned, and they were placing a hold through XX/XX/22!!! I am running a business and, no matter if we are the smallest business on earth, any amount that contributes to our cash flow is of extreme importance. They are holding a cashier check for 11 days!!!! And we not only find it abusive -the bank is using that money for free for 11 days straight-, they are pretty much obstructing the operation of a small business... I am beyond furious and can not wait to get the check released and close that account and everything BofA related, but I really hope my experience serves as a showcase for others to avoid this bank and, more importantly, for the regulatory entities to work for the people, especially, for small business owners trying to recover from a brutal past 2 years. I have called several times and they still refuse to release any portion of the funds. I defaulted on some payments and had to borrow money to cover expenses when I didn't have the need to... This is just outrageous!
Product: Checking or savings account

XX/XX/2019 I have no idea. I was looking for a private loan. I did not know, someone deposit using a fraud check. Since I pay {$200.00} from that account the the private lender. Without knowing, the fraud check hit my account. The bank, Bank of America, just close my account until today. I need to take this off so I can open account. 

This bank did not work with me. I did not know the check, but they put in trouble. 
I am a small guy trying to make a living. Someone damage me by putting a fraud check Bank of America is doing this to me, I can not do business for XXXX  years. I lost a lot of income. 

Please contact bank of america and lift the this hold from check system.
Product: Credit reporting or other personal consumer reports

XXXX allows 3rd party agencies to continue reporting unfair debt practices to my credit file that are error and obsolete. I have not gotten any verified information that that have used to verify that the debt belong to me. 
There are several accounts I have disputed and they refuse to mail me the verified information. 

XXXX Account information # XXXX Closed acct Date open XX/XX/year> Acct type charge off {$730.00}
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 remove these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XX/XX/2021 XXXX OF XXXX XX/XX/2021 XXXX OF XXXX XX/XX/2021
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : I had become a victim of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Product: Debt collection

I had a voluntary repossession in XX/XX/2017. They sold my car at auction in XX/XX/2017. Every month theyve been adding money to the remaining balance. Everyone of my credit report show different balances from what they sent me after the car was sold at auction.
Product: Credit reporting or other personal consumer reports

Hello, I am requesting an investigation into these accounts due to a possible misunderstanding about their accuracy on my credit report. These accounts were removed previously but have been re-added without my awareness. I was not notified of their return and have not received any communication about this matter by mail.