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

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 XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX ) XXXX. XXXX XXXX ( XX/XX/year> ) 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 XXXX 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 TransUnion Credit bureau 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 XXXX  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 card or prepaid card

I called Penfed over 10 times about not being able to login. I was told it is out there hands and cant help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a credit card on my credit sesame account saying it is thru CITI and I don't have a credit card at all and never have when I called them about it they told me said there is no credit card in my name or with my social security number but it is on my credit and has been for years. It was paid off then I got a update that a new authorized uses was added and a new amount was set and now it is back on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX was my old cell phone provider. I left thinking I had a XXXX balance. After I left I guess another bill came in or something I did not know about. The admitted on the phone with me they had the wrong contact info as far as email and that they may have never tried to call as my number had not changed. They did not try and call me for sure. No voicemail or email or phone call or text. They then reported this to XXXX, Transunion, and XXXX. This is how I found out I had the debt. I called and paid it but they refuse to remove the credit reporting even though I was never contacted and given a chance to even make sure it was legit or to dispute it. I disputed this with XXXX but they confirmed it and didn't take into account what I said about never being contacted at all. XXXX could not have confirmed they contacted me as they admitted they didn't have the right information and never called.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

We applied for a loan with City Creek Mortgage Corp and we never received an official loan estimate even though we provided all of our information and even signed several documents. They only provided a costs worksheet that had the words " Get an official Loan Estimate before choosing a loan '' which we assumed they would provide to us. 

Several weeks go by and we never receive one. They sent us an email to rate lock but it happened differently than normal. They didn't provide an official loan estimate and they only asked for a verbal rate lock. Overall, pretty sketchy. 

In addition, we received an email that said our quoted closing costs of {$1700.00} to {$3000.00}, which they provided in their " costs worksheets '', were now {$5100.00}. Overall, it seems as though they're trying to snooker people. 

Lastly, they did not abide by certain provisions in the contract. They disregarded the provision for the splitting of closing costs between the buyer and the seller.
Product: Credit card

Several months ago I paid my payment in full by mail but was charged a late fee. When I called they said it sometimes takes up to XXXX business days for them to process mail payments & that I should pay online or over the phone. They waved the fee & the account was paid off. I used the card again, tried to pay online but their system could not find my account. I called to make the payment & was told that they could not verify me & could not make the payment. I called back the next day & asked to speak to a supervisor who told me the number they have XXXX file doesn't match my number & that's why they couldn't take the payment the day before. The supervisor did take my payment in full. A XXXX  later I get a bill for only a late fee, when I called they said it was because the payment was processed late & they still refused to change my number. Now they are charging interest & more fees when they would not take my payment to begin with. This is a scam system they have set up just to charge extra fees.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : EXPERIAN Account Name : XXXX XXXXXXXX XXXX XXXX Account XXXX : XXXX Balance : {$45000.00} Date Opened : XX/XX/XXXX Account Status : closed Account Name : XXXX XXXX XXXX  Account # : XXXX Balance : {$670.00} Date Opened : XX/XX/XXXX Account Status : closed UNAUTHORIZED INQUIRE ( XXXX ) : XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

It started on a business company called XXXX which is a website to pay others to do a service for you. I paid someone on that app to help me create an XXXX store. Unfortunately, I was caught off guard and scammed out of {$1400.00} when I thought I was sending money for the inventory of the store. Before I considered sending the money, on the website, you click on ads and pay for a service on the spot. This made me believe the person I was wanting the service from was legitimate. The website also showed this persons good reviews which made gave me more of a reason to trust this person who claims they can do the service I want them to. On XX/XX/year>, I wired off {$1400.00} off to a money transfer company called XXXX. The money transferred to XXXX on XX/XX/year> and was sent off to the person the same day. I called Bank of America afterwards and tried to file a complaint but was told I was responsible for the wire and could not promise me any help. In fact, they closed my case and I felt like I could not get the help I needed at a time when school loans are needing to be paid for, rent and groceries, and savings needing to be saved. This money would help me with my rent as of now mostly. XXXX customer service however did refund the balance paid on the app.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair 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 XXXX Account Number : XXXX 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- states a consumer reporting agency can not furnish an 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: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXXBANK XX/XX/year> XXXX BANK XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX BANK XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I went online to signed up to view my credit report and i noticed there's alot of accounts on their that i didn't authorized, Also there's a list of address that's incorrect. 

Fraudulent Accounts on Report XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX listed twice on report XXXX XXXX XXXX XXXX  listed twice on report XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent Address on Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I see that the accounts on my credit report was incorrect. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX  XXXX Balance : {$230.00}
Product: Checking or savings account

In response to complaint XXXX, Discover Bank stated that they issued a bonus of {$100.00} to my savings account. That deposit never posted to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. The accounts and inquiries that are on my account that are not mine. 
I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts and inquiries, and remove them once its confirmed that they are not mine. 

I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft affidavit/report that I am attaching ). 

It could also be possible you are mixing up these accounts with someone that has a similar name as me.
Product: Debt collection

Insisting debt has not been paid to credit bureaus. Even continuing to report as late. But cashed check for full amount some time ago.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and dissatisfaction with the ongoing challenges I have faced in attempting to remove fraudulent items from my credit file. Despite multiple efforts, the fraudulent information persists, negatively impacting my creditworthiness and causing undue distress. 

I first identified unauthorized and fraudulent entries on my credit report. Subsequently, I have diligently followed the established dispute resolution procedures to rectify this issue. 

This situation is not only a violation of my rights under the Fair Credit Reporting Act ( FCRA ) but is also causing severe financial and emotional strain. I insist on a thorough and immediate investigation into the fraudulent entries on my credit file. 

I am formally requesting the following actions : A comprehensive and urgent review of the fraudulent items on my credit report. 
Immediate removal of the inaccurate and fraudulent information to restore the accuracy of my credit file.

Verification of the corrective actions taken and an updated credit report reflecting the accurate and corrected information.

I am fully aware of my rights under the FCRA and the significance of correcting inaccuracies promptly. Failure to address and rectify this matter in a timely manner may leave me with no choice but to explore legal remedies to protect my rights. 

Enclosed with this letter, you will find copies of supporting documents. 

I kindly request your prompt attention to this matter and request written confirmation once the fraudulent items have been successfully removed from my credit file. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX XXXX XXXXXXXX - Only your bureau is reporting this account late. There is no other bureau reporting this account. Please remove this right away. 

XXXX - XXXX - Not all bureaus are reporting this account that way you are reporting this account. It shows a lot of inaccuracies and inconsistencies. Please remove this inaccurately reported account from this report. 

XXXX - XXXX - By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX - XXXX - By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXXXXXX - By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX - XXXX - By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXXXXXX - By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXXXXXX- Not all bureaus are reporting this account that way you are reporting this account. It shows a lot of inaccuracies and inconsistencies. Please remove this inaccurately reported account from this report. 

XXXX XXXX XXXX XXXXXXXX - By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXXXXXX - Only your bureau is reporting this account late. There is no other bureau reporting this account. Please remove this right away. 

XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - Only your bureau is reporting this account late. There is no other bureau reporting this account. Please remove this right away.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried on more than one occasion to dispute the verbiage on my credit report. XXXX refuses to change it despite my efforts. AES, XXXX XXXX XXXX, and XXXX XXXX state they can not fix the problem since they don't actively have the debt. The debts were discharged in bankruptcy. XXXX   need to resolve it and post it accordingly. Each entity needs to post accordingly. These debts were not claim paid, charged off, written off, or transferred. They were discharged in bankruptcy due to fraudulent payment activity, debts the trusts could not prove they owned, collections lawsuits on debts that can no longer legally be sued over, reporting negative credit information, and suing consumers for debt without proper documentation, and filing false or improperly notarized legal documents. As of XX/XX/2018, XXXX   states that the debts " Comments on your account changed from Consumer disputes - reinvestigation in process to Consumer disputes - reinvestigation in process, Transferred to recovery, Charge off account, Student loan ''. So essentially I have made " 0 '' progress despite of the fact I sent them my bankruptcy discharge documentation on XX/XX/2018.
Product: Debt collection

XXXX XXXX XXXX with the account number XXXX is said to be a collection account that was sold to North American Recovery with the same account number showing on my report. This collection accounts were both reporting on my report which leads to multiple appearances and a grave impact on my Credit scores and credentials. These particular collection accounts should not be shown as XXXX different collections since they're definitely the same. Moreover, I have made my payment to the original creditor. These should have been removed if a proper investigation was conducted. If you still insist that I am still liable, make sure to provide me definite and legal proof for me to confirm.
Product: Prepaid card

In XXXX XXXX, I lost a loved one so I had friends and family send me money to help pay for the funeral. Every single person who has sent me funds, I have sent money back to them. During the first week of XXXX I looked through my statements to see if I have missed any uncleared payments, I then realized XXXX transactions which caught my attention. The XXXX transactions I did not recognize pulled {$200.00}, {$240.00}, and {$300.00} from my account on XXXX XXXX, 2016. I then notified American Express on XXXX XXXX regarding these transactions but first I told them I would like to double check all of my paperwork just to see if it was just me making mistakes. I then contacted AMX on XXXX XXXX, 2016 to notify them that these were unauthorized transactions and were clearly not my doing. First of all XXXX of the transactions were sent to XXXX seperate people with the same last names and the last transaction was done after the first XXXX transactions. AMX clearly walked me through in changing my entire account information which I was grateful for. I was then promised to wait XXXX48 hours and I should be receiving a notice through email or a phone call regarding the status. Every single day I have called American Express and they have been giving me the original routine as in " follow up ''. It is now XXXX XXXX, 2016 and I have no received a single email or phone call regarding my case and I have called around 30 times already, spoke with countless managers supervisors and customer service agents and they all told me the same thing. " within 10 business days if we need more time we will grant you provisional credit until the case is solved which can take 45 calender days ''. Never happened.. As a consumer I know my rights, within XXXX10 business days if a bank needs more time you are supposed to be granted provisional credit until the investigation is completed, this is also known as Regulation E. Until today it has been 21+ days already and I have not received any email, phone calls, messages regarding my dispute. As a single parent, when a person is promised to at least an email regarding lost funds, that person will check up on it. It 's a human instinct, and how I even got into this situation is just really unfortunate. So please if possible I understand it may take days for me to get my money back, but in reality all i am really just asking for is a email regarding my case, a " XXXX we have received your notifications and we are currently working on your case '', A simple email or message like that is all I need at the least to be honest with you.