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

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 

Items that need to be disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$140.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$140.00}
Product: Mortgage

I am trying to refinance my house with another company. We were on a forbearance plan and have made the last three months of our mortgage payments. We only deferred two monthly payments. I have called Mr. Cooper several times and asked for a forbearance closer letter. The say they cant give it to me, that only one person can but no one can get a hold of her. They say she is my Dedicated Loan Specialist. XXXX XXXX. They have no direct number to her and no email for her. All I need is a letter that everyone says they know what it is, but cant give it to me. I need a forbearance closer letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ex  perian is listing 11 incorrect addresses, 2 accounts I have never heard of, 2 inquiries I did n't do, a spouse/co applicant name and somebody else social security number on my credit report. Their so called investigation still left these fraudulent and erroneous items on my credit report. I am writing you asking for help.
Below is the erroneous and fraudulent information they have listed on my credit report that needs to be Removed  .     Addresses : 1.  XXXX   XXXX   XXXX ,  XXXX  VA  XXXX  2.  XXXX   XXXX   XXXX ,  XXXX  VA  XXXX  3.  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX  VA  XXXX  4.  XXXX   XXXX   XXXX ,  XXXX  VA  XXXX  5.   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX  VA  XXXX  6.  XXXX   XXXX   XXXX ,  XXXX   XXXX  VA  XXXX   XXXX .  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX  VA  XXXX   XXXX .  XXXX   XXXX   XXXX ,  XXXX  VA  XXXX   XXXX .  XXXX   XXXX   XXXX ,  XXXX  VA  XXXX   XXXX .  XXXX   XXXX   XXXX ,  XXXX  VA  XXXX   XXXX .  XXXX   XXXX   XXXX ,  XXXX  VA  XXXX  ACCOUNTS :  XXXX . Account Name :  XXXX  ACCT #  XXXX  2. Account Name :   XXXX    XXXX  ACCT #  XXXX  SPOUSE OR CO APPLICANT :  XXXX   XXXX  INQUIRIES :  XXXX  DATE :   XXXX   XXXX   XXXX       XXXX   XXXX   DATE :  XXXX   XXXX    XXXX   SOCIAL SECURITY NUMBER THAT IS NOT MINE :  XXXX    I read this weekend that a credit report is to be 100 % Accurate and timely. Well thanks to Experian putting 11 incorrect addresses, 2 incorrect accounts, 2 inquiries I did n't submit or give anybody to submit on my behalf and Experian putting another person social security number, my credit report is not close to 100 % Accurate.
Experian has failed in holding up their end of the FCRA, please have them remove the above listed fraudulent, inaccurate and erroneous information from my credit report.
Product: Mortgage

USAA refuses to honor my VA home loan. They say it's because of my credit, that the VA won't allow it, yet I hold my certificate of eligibility IN MY HAND. They also claim my credit score is significantly lower than what EVERYONE is telling me online.

I went to all this trouble so that my bank, that supposedly services veterans, can refuse me service for 10+ years.

The fact that these lenders use what is essentially hearsay to determine my eligibility is sickening to begin with, but is somehow accepted. 
I'm XXXX, gave XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX supposedly in the name of freedom. I FREAKING DESERVE MINE.
Product: Credit reporting or other personal consumer reports

You have the wrong address for me in XXXX XXXX.
Product: Debt collection

XXXX XXXX XXXX is in clear violation of the law for contacting the consumer reporting agency ( XXXX XXXX ) with my nonpublic personal information. I obtained a copy of my report and noticed an inaccurate collection account reported with an alleged debt of {$440.00} owed to XXXX XXXX XXXX. Please provide me with a copy of the original consumer agreement with my signature that makes me legally obligated to this alleged debt of {$440.00} owed to XXXX XXXX XXXX or XXXXXXXX XXXX/REVVI. 
On ( XX/XX/XXXX ) I sent XXXX XXXX XXXX a notice of your violations and to cease and desist all collections activity regarding this alleged debt that is not owed to you or XXXX XXXX REVVI CARD as per 15USC 1692 ( c ). I have no legal responsibility to this debt and refuse to pay this alleged debt. The person XXXX XXXX removed this credit card debt account from my credit reports before selling it to your company because the data furnished was unverifiable, inaccurate, and a direct result of IDENTITY THEFT as per 18USC 1028 ( A ). They are attempting to collect the same debt you were ordered to cease and desist from because it has already been proven to be unverifiable and inaccurate. XXXX XXXX XXXX proceeded with noncompliance to the law by parking this inaccurate collection account and violating the FDCPA & 10006.30a and XXXX XXXX which took effect on XX/XX/XXXX. I am not legally responsible for this debt and this account must be removed from my report immediately.
Product: Credit reporting or other personal consumer reports

Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant to 15 USC 1681c-2 ( a ) To Whom It May Concern : I am writing to formally notify you that I have become a victim of identity theft as a result of a recent data breachOF XXXX. In accordance with my rights under 15 USC 1681c-2 ( a ), I am requesting that you block and permanently delete any fraudulent accounts, inquiries, or information associated with the identity theft from my credit report. I am also attaching proof that I was a victim of the XXXX data breach, and I kindly request that this information be considered as part of my claim. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT 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 FOUR business days. To following information on my credit report is the result of identity theft and should be blocked : XXXX Account # XXXX Amount : {$0.00} XXXX Account # XXXX Amount : {$2900.00}
Product: Bank account or service

I opened a Citibank citigold account with a promotion code XXXX, which comes with a XXXX Miles. After I fulfilled all of the requirements, Citibank neglected to deposit the XXXX Miles into my XXXX account.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that all accounts listed below be blocked and deleted from my credit report due to being a victim of a data breach. This request is made pursuant to 15 U.S.C. 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), which allow for the blocking and deletion of fraudulent accounts resulting from identity theft. 
Below are the accounts and inquiries in question : Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX XXXX On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later i have not received a response yet. I feel like i am being taken advantage of and being ignored of my disputes. Section XXXX ( a ), its stated that a failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report. It has been over XXXX  days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit card or prepaid card

Because my phone number changed I am u able to make payment or access account. I believe this is a ploy to enable PenFed to charge late fees. The credit union should be able to verify me by phone and update my phone number as requested..I attempted to use their secure method but after trying for an hour it will not accept documents I am trying to provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent XXXX XXXX XXXX XXXX a validation request for validation that all required notices under XXXX Law were received and timely. I have requested this information several times, prior to XX/XX/XXXX and also have spoken to a rep over the phone, in which I also requested that proof all required notices were sent in received. I have yet to receive requested notices. I also show the last payment on account # XXXX was on XX/XX/XXXX, which means the car was sold and I was not notified of the date, place or time of sale. I also did not receive any breakdown of my deficiency balance. Because these notices were not received AT ALL, the deficiency balance on this account is no longer valid. Furthermore, the vehicle must be sold for an reasonable price and as of where the current balance stands, I can not see how this was the case. 

I have made several attempts to correct this account with the credit bureaus. I sent a dispute letter to all 3 credit bureaus, XXXX, Experian and XXXX asking for the method of verification and the procedures used to verify that account # XXXX was truly accurate. XXXX  deleted this inaccurate account, due to NOT being able to verify its accuracy. However, XXXX and Experian have verified this account as accurate without sending procedures used to verify accuracy. Credit bureaus are REQUIRED to do a proper investigation and not just certify that creditors have given accurate information. Anyone can say an account is verified but that does not mean the account is truly accurate. I have not been able to obtain proof of validation from the creditor so it seems pretty suspicious that XX/XX/XXXX and Experian would render the result of " VERIFIED AS ACCURATE ''. Furthermore, I sent a CFPB complaint on XX/XX/XXXX for the reinvestigation of this account and my complaint was closed prior to the credit bureaus completing their reinvestigation and still did not correct the issues. I also advised to all credit bureaus that the balance is inaccurate, along with many other metro 2 reporting violations.
Product: Credit reporting or other personal consumer reports

I have contacted Upgrade Inc about the collection account ( s ) listed on my credit report under the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ), specifically 15 U.S.C. 6802, which governs the privacy and sharing of consumer information. This company is reporting fraudulent inaccurate information on my credit report. The account shows charged off and I have never been provided a 1099c Tax form. I have requested that they provide the purchase agreement to show full ownership of such accounts and also other documents so I may review to see if this is actually an account that belongs to me.
Product: Credit reporting or other personal consumer reports

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And 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 concerning the individual about whom the report relates according to 15 USC 1681 ( XXXX ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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: Debt collection

THE XXXX ACCOUNTS REPORTING ON MY CREDIT REPORT WITH TEK-COLLECT ARE FRADULENT ACCCOUNTS, I HAVE NEVER DONE BUSINESS WITH XXXX XXXX  OR XXXX XXXX XXXX. HAVE THESE XXXX ACCOUNTS WITH TEK COLLECT REMOVED OFF MY FILE. SEE ATTACHED FTC AFFIDAVIT
Product: Credit reporting or other personal consumer reports

I sent a letter on ( insert date letter was sent to bureaus ) to remove ( personal information, address, accounts name & account XXXX ) that is UNKNOWN to me. I came across this law today and according to the XXXX FCRA XXXX ( XXXX U.S.C. XXXX ) you are required to remove/block any accounts or information not later than XXXX business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # & I am including it XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$24000.00} XXXX  XXXX XXXX : {$2400.00} XXXX XXXX  XXXX XXXX : {$11000.00} XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX  XXXX Balance : {$3900.00} XXXX XXXX XXXX Balance : $ XXXX XXXX Balance : {$2000.00} XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  NA XXXX XXXX : {$3300.00} XXXX XXXX Balance : {$4700.00} XXXX/XXXX  XX/XX/XXXX
Product: Debt collection

I have been contacted by a company claiming to be Fifth Third Bank. I do not have an account with this bank, in any capacity. They have called me nine times in the past 2 days. When I answer their calls they refuse to let me speak to a supervisor, however they continue calling.
Product: Credit reporting, credit repair services, or other personal consumer reports

The addresses being reported on the consumer report is fraud and does not belong to the consumer. These addresses are shown to be connected to accounts the consumer is unaware of and did not authorize. It is against consumer rights to be reporting false information on a credit report. It has caused many problems and many denial of credit. XXXX, XXXX, and Equifax have been contacted 3 times and no change.
Product: Credit card or prepaid card

To Whom It May Concern, Please accept this letter as my request to remove all/any negative items ( late payments ) from my credit report ( XXXX, XXXX, XXXX, XXXX, etc. ). In support, I want to state the following : First off, I would like to take this opportunity to thank you for the excellent service I have experienced as a consumer. I have been a very loyal consumer with exceptional payment history, paying on time and accepting all your company conditions. Unfortunately, I went through a financially tragic moment where I cant affort payment due to C O V I D - 19, and as a result, I missed several payments. 

According to the law I have my right to dispute what I consider unfair, and I consider it unfair that I tried to communicate with your banking institution representatives on several occasions and the answer was that late payments would never be removed from my account, I tried to explain my situation to continue being a client and constantly paying but the answer was always negative in trying to help me. I would have my payments made on time if this had never happened, now reflecting an unfair letsier, please find the late payment dates below ( which I would like removed XX/XX/2022 can you reduce my balance
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$5000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

BBT Bank representative failure to investigate the XXXX card charges {$33.00} and they also charge over draft for {$35.00} then another transaction fee {$35.00} rack up fee 's. They didn't fully investigate at all just offered a temporary 10 day credit. I had already pay the {$33.00} fee about 1week prior they reject the claim. Then overdraft fee was supposely to be turned off the feature. However the {$160.00} was force onto my debt card neither 1 on of these fees were swipe at all then I was giving the run around about the fee. Now my account is over drawn {$520.00} and BBT fraud department refuse to investigate the case for the {$160.00} simple rejected.
Product: Credit reporting or other personal consumer reports

Ive been in communications with ( XXXX, Equifax or XXXX ) about inaccurate personal information on my credit report. Even after notifying them many times about this error they still continue to report this incorrect personal information on my file. Not only is it unfair, its also illegal. By law 15 U.S. Code 1681 ( b ) it clearly states that your reporting agency must follow these Reasonable procedures : require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance.

This whole thing is unfair. This has been stopping me from being able to move forward in my life because of this inaccurate information being reported on my credit report. I have told ( XXXX, Equifax or XXXX ) many times I do not consent to the inaccurate personal information listed below to be reported on my consumer report. This in clear violation of 15 U.S. Code 1681 & 15 U.S. Code 1681c2
Product: Debt collection

I have been dealing with that issue for about four years now. Someone opened an XXXX XXXX XXXX account on my name with different name and different address and they didnt pay they bills. When that first came up I disputed with XXXX and I won I also got a police report and submitted all my XXXX XXXX XXXX bills, I even talked to XXXX XXXX XXXX they told I didnt owe them any money. That happened again 2 more times with different debt collections company now I am dealing with it again. I was wonder if you guys can stop these people for messing up with my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name XXXX XXXX XXXX DOB XXXX SS XXXX I have requested that my security freeze be removed for the 3rd time. I am writing to request to remove a security freeze on my credit report.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion should not be reporting me as an authorized user on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written letters as well as sent copies of report to bureaus with police report and explaining my finding out there were issues on my credit because of identity theft. The bureau have NOT furnished Any proof of verifiable evidence that these accounts/inquiries/info is mine via signatures, contracts or a person named that can testify in court that the person authorizing these items was me. The consumer credit laws states that due to lack of these verifications- Information, accounts, inquiries and/or records MUST be deleted from my report immediately! I am a doctor trying to improve the health and welfare of our country by partnering with the government via contractual plans and this lack of cooperation is delaying our goals.