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

XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX  fl XXXX All credit company Dear Sir or Madam : This is not a dispute. I am a victim of Identity theft. Please do not act in violation of the FCRA 605b. As the consumer I have done my part in reporting this to all necessary authorities including the FTC & Local Police ( Reports are included in this package ). My signature on the FTC & Police reports serve as my sworn statement. 

The information listed below appears on my credit report, but I did not make or approve of these transactions. 

Please delete the following addresses : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, FL XXXX - REPORTED XX/XX/XXXX Please delete the following phone number : XXXX ) XXXX This is not my number Please update My Phone : ( XXXX ) XXXX ( Please include on fraud alert ) I did not authorize the following inquiries : XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX  On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SO Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notice to all businesses that supplied this information. The Fair Credit Reporting Act requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to also promptly notify the businesses that sent you that information I have enclosed a copy of my credit report and circled the fraudulent items on the report. I have also enclosed a copy of my Identity Theft Report, a copy of my Police report and proof of my identity. I appreciate your prompt attention to this matter. 

My Phone : ( XXXX ) XXXX ( Please include on fraud alert ) Please send me a letter after you have blocked the information from my credit report and sent notice to the businesses involved. 


XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX fl XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX  XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$2000.00} US DEPT ED XXXX Balance : {$12000.00} US DEPT ED XXXX Balance XXXX {$7500.00} XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$220.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$140.00}
Product: Credit reporting or other personal consumer reports

Improper use of my credit report removed the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

It states that I owe {$50.00}. They are furnishing on my credit report without my consent. It is damaging my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I appreciate you taking the time to UPDATE some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at Experian and XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 
XXXX XXXX XXXX, XXXX XXXX CA XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$10000.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX CO XXXX Open Date XXXX XXXX, XXXX Balance : {$0.00}
Product: Debt collection

A company I used to reside in is saying I owe a debt with them. I moved out of the residence in XXXX, XXXX. I only signed a 12 month lease with them from XXXX XXXX XX/XX/2023. I have multiple leases from that have different amounts and dates. The months they are stating I owe the debt XXXX XXXX XXXX I lived elsewhere with proof. I went through a third party called The Guarantors to be approved for the unit and around XX/XX/2023 when I moved out that third party gave me back my deposit, the had to contact the property and make sure all balances were paid before it was released. I have contacted the property about this issue and was told the files were put up and they no longer are owned by the property management company that was there when I stayed. I would like to get this situation handled as It is affecting my credit reputation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting that I lived at XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I have never lived at the is address I have lived at XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX They are reporting a fraudulent account that does not belong to me and I want it deleted immediately.
Product: Credit reporting or other personal consumer reports

Und

er FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 



1. The inquiry was not authorized XXXX - XXXX Account Number : Please remove it from my credit report. 

2. The inquiry was not authorized XXXX  XXXX XXXX  Account Number : Please investigate and delete from my credit report. 

3. The inquiry was not authorized XXXX XXXX Account Number : Please investigate and delete from my credit report. 

4. The inquiry was not authorized XXXX XXXX Account Number : Please remove this inaccurate information from my credit report. 

5. The inquiry was not authorized XXXXXXXX XXXX XXXX XXXX Account Number : Please investigate and delete from my credit report. 

6. The inquiry was not authorized XXXX XXXX Account Number : Please investigate and delete from my credit report. 

7. The inquiry was not authorized XXXX XXXX XXXX Account Number : Please investigate and delete from my credit report.
Product: Credit reporting or other personal consumer reports

I've Disputed my personal information with Transunion and Equifax but nothing has been updated. I updated my address, along with my drivers license for verification purposes. My address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have XXXX address only there shouldn't be many addresses on my credit report I don't have any association with. according to the FCRA anything on credit reports should be accurately reporting. TransUnion And Equifax aren't accurately reporting. I would like for my address to be updated Immediately
Product: Credit card or prepaid card

When I bought a TV from Best Buy in   XXXX  , I was offered to get a Best Buy credit card with no interest if paid off at the end of the promotional period. Later I was asked to go green with paperless statement and auto payment. So I did. My plan was to pay if off at the end promotional period to avoid any interest payment.     No statement had ever been sent to me but I do get an email about the monthly charge posted to my checking account. Today I signed in online only to find that I was charged interest already. By downloading the statement online, I found that I was charged a hefty {$720.00} while the balance at that time was {$430.00}! And starting from that month I was charged interest every month. I called their customer service and was told there is nothing they can do. I paid off all the balance immediately today.     I realized the scam works like this   : 1. Give an promotional offer to get people in 2. In the name of go green and save the environment, get people sign up for e-statement and auto pay 3. Only send email about the monthly charge, but not the balance or billing details. This gives a sense of normality.
4. When time passes by, many people will forget to track the billing details 5. Do n't send notification about the upcoming promotion ending period, simply start charging i  nterest.
Product: Credit reporting or other personal consumer reports

Hard inquiry by credit card company Indigo. I did not apply for credit from this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I got my XXXX XXXX ls they still have my loan on my creit score for XXXX and it should be off by now
Product: Debt collection

I received a call on XXXX XXXX, 2015 at XXXX from a Private number on my work cellphone. The caller stated he was a process server who was scedule to serve paper because someone is taking me to court for debit. He gave a the number to National Arbitration ( XXXX ) to call before Monday XXXX/XXXX/15, the he would server my papers. I called the number and was told by the woman who anwsered the phone I took out a payday loan with XXXX XXXX XXXX that I did n't pay back and XXXX XXXX XXXX is now taking me to court to press Fraud and bad check charges. I told her I ca n't pay today so she sent me to er manager. He stated the same charges and that I would be served and taken to court if I did n't pay. I called XXXX XXXX XXXX directly at XXXX and was told my account was sent to XXXX collection agency ( XXXX ) but they are not pressing charges of any kind just seeking repayment. I called XXXX whom said they sold the account to XXXX XXXX collections ( XXXX ). XXXX XXXX confirmed they brought my account and had contracted National Arbitration to collect the debit, but again are not pressing any charges. So I called back national arbitration to let them know I confirmed the original creditor is not pressing charges and what the said is false and illegal. I was transferred to a supervisor named XXXX how looked at the account note to see whom I 'd previously spoken with. He stated he had this same issue with the XXXX reps whom gave false and illegal information before and they would be dealt with.
Product: Credit reporting or other personal consumer reports

I recently revied my credit report and I was shocked to find out that I have been a victim of identity theft I found a account on my credit report that were not open by me. This was been hurting me as I am trying to by a family home. Please remove the fraudulent account from my credit report as soonest possible XXXXXXXX XXXX XXXX XXXXXX/XX/year>. I am also attaching my Driver licensed copy, Social Security, Utility bill and identity theft report. 

THANK YOU SO MUCH.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested my credit report from this website and it faulted. I did not get my credit reports as I requested.
Product: Credit card

On XX/XX/XXXX, I paid my balance off with capital one of {$1400.00}. I was not aware that they had been charging a variable APR of 32.24 %. I just so happen to login to my account and realized that they charged me {$26.00} on a XXXX balance stating that they charge interest at the end of the month and that its not included in the balances. I asked to have this removed as a courtesy because my balance was XXXX when they charged me. I was told there was nothing that they could do and the supervisor named XXXX that I spoke with was more than happy to close my account without offering any alternatives except to set my account up on auto pay. Now why would I do that with an account that has a XXXX balance?
Product: Credit reporting, credit repair services, or other personal consumer reports

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices.

Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( XXXX ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done XXXX XXXX can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( XXXX ). If XXXX XXXX reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge
Product: Credit reporting or other personal consumer reports

Hello and Good Day I reached out to XXXX credit bureau through certified mail to dispute this matter which I am unaware of. I XXXX XXXX XXXX XXXX never gave these companies : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CARD SERVICES XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX VIA DEALER XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  BANK XX/XX/XXXX I did not give permission in any shape, way or form to run my information nor do I know how they got my information. When I realized these hard inquiries were on my credit report I took action right away, since I didn't recognize it. What I did was sent out an unauthorized inquiries document that I typed up. Sent it certified ( A copy of the letter and the copy of the certified ticket is attached ). This is what I wrote I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to Section XXXX of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports XXXX XXXX Code XXXX In general. Subject to subsection ( XXXX ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under XXXX XXXX Code XXXX, Paragraph ( XXXX ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized
Product: Debt collection

XXXX has refused to stop allowing an collection agency to report incorrect information on my credit report. XXXX receivedan email from the reporting student loan company that they had the wrong person. XXXX was made aware of the email and the fact that the student loan told XXXX that they had the wrong person in writing. XXXX has denied me the right to good credit with this incorrect information. This is affecting my life and my kids life. I 'm a homeless mother trying to buy a house. I ca n't with the fact that XXXX is ruining my life and any chance of financial help due to misleading information that is placed on my credit report. I 've filed a lawsuit against XXXX because of how I was treated by them and the lack of concern that was givven to my identity theft case and proof that the company admitted that they had the wrong person. They said they did n't care do what I had to do so that 's exactly what I did.
Product: Mortgage

Summary- Loan Officer appears trying to pocket {$1700.00} now unresponsive when asked to justify extra charges. On XX/XX/2021 I initiated a loan approval process through Citizens Bank, specifically XXXX XXXX, Loan Officer|NMLS # XXXX. He eventually transferred my case to XXXX XXXX Loan Officer| XXXX # XXXX who initiated my loan process. 

XXXX XXXX XXXX XXXX XXXX XXXX Citizens XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Office ( XXXX ) XXXX I spoke with XXXX regarding XXXX timing and he ensured me no rush was needed to process and cost would be under {$750.00} since they were working under a new system to get them done efficiently. On XX/XX/XXXX, XXXX confirmed the appraisal was ordered after taking my credit card information to pay for it that day. On XX/XX/XXXX, our Loan Estimate listed an appraisal fee of {$540.00}. On XX/XX/XXXX, the the appraisal was paid for at {$540.00} as posted to my credit card. On XX/XX/XXXX our Closing Documents correctly listed the Appraisal as prepaid and {$540.00} for a scheduled closing on XX/XX/XXXX. There was an unrelated delay in closing that required the closing paperwork redone. On XX/XX/XXXX I received the new Closing Documents from the lender who listed an additional charge for the appraisal of {$1700.00}. This would make the total appraisal cost {$2200.00} since the appraisal was already charged to my card previously. When I contacted XXXX XXXX to justify this change I was told he " did not need to justify anything to me ''. I asked him to send me the appraisal fee documentation and again said he did not need to do anything at this point. On the contrary, he proceeded to tell me that because he found me " difficult and unprofessional '' early on, that " he does not forget and can make people 's process difficult ''. He told me they would credit it and then recanted that statement as well later. He told me he didn't need me as a client and that I could take it or leave it at this point and it would be my loss. He " has other clients and doesn't matter to him if I close the loan through him or not ''. He went as far as to state that my closing costs turned out less than my cash back at closing so he " could make me lose these funds either way, so why does that matter ''. He claimed to be " acting in my interest to balance things out on the Closing Document so we could proceed with closing ''. XXXX was on speaker phone and the full exchange was witnessed by my wife. It is very evident to me what the lender is trying to do here and consider it fraudulent. He reiterated at the end that " he doesn't care if I close at this point and can take it or leave it ''. I have notified the closing attorney, realtor and other parties involved of this. We were scheduled to close XX/XX/XXXX and need assistance getting this resolved. Lender Loan Officer got caught in their activity, is using pressure to force closing and is not responsive at this time
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 is showing late mortgage payment. This is false. Weve never missed a payment. We applied for a loan modification at that time and mr Cooper incorrectly reported us 60 days late. Weve contacted them and also the credit bureaus but they refuse to correct it
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to revisit the matter of my filed complaint concerning the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEquifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I disputed inaccurate statement on my credit report. Experian shows a delinquent account with XXXX that I disputed. Per fair credit act the statement is inaccurate and should be removed. Shows balance XXXX payment of XXXX in XXXX with a balance of XXXX. The math is incorrect and inaccurate. Requested experian to remove they refused with no explanation.