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 1

5 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 : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 one 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 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 60 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 reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Subject : Dispute of Reinserted Information in My Credit Report I am writing to formally dispute the reinsertion of information previously deleted from my credit report. Upon reviewing my credit report, I have noticed that the following item ( s ), which were previously removed following a successful dispute, have been reinserted without proper notification and certification as required by the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i ( a ) ( 5 ) ( C ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to the FCRA : 1. Certification Requirement Before reinserted information can be placed back onto my credit report, the credit reporting agency is required to obtain certification from the furnisher that the information is accurate and complete. If such certification was not obtained, the reinsertion violates the FCRA. 
2. Notification Obligation Under the law, the credit bureau is required to notify me within five business days of the reinsertion, providing details including the furnishers contact information and my right to dispute the item again. I did not receive any such notice, which is a direct violation of my rights under the FCRA.

3. Ongoing Dispute Rights I am exercising my right to dispute this reinserted information once again, and I request that you promptly reinvestigate and provide proper documentation verifying the accuracy of the reinserted data or remove it from my report immediately.

Please consider this letter as my formal dispute. Under the FCRA, you are required to investigate and respond within 30 days of receiving this notice. If the reinsertion is found to be unverifiable or inaccurate, I expect it to be removed immediately from my credit report. 

Additionally, I request that you remove the following unauthorized inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 If this matter is not resolved within the legally required timeframe, I am prepared to escalate this issue by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and to explore any legal remedies available to me under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some personal information. I have no knowledge of this and All is being investigated by the FTC.
Product: Credit card or prepaid card

On XXXX I purchased a XXXX  headset from a fraudulent mail order company named XXXX XXXX, which charged my Capital One credit card XXXX XXXXXXXX in the amount of {$76.00}. This merchant was a scammer and never sent me the item. I received a completely different item than what I purchased. I then filed a dispute with my credit card company Capital One and provided all requested documentation. It was dispute case # XXXX. The documentation included an email exchange where the scammer merchant admitted that they did not send me the item that I ordered. The email also showed that the merchant refused to refund the charge and that the merchant refused to provide a return shipping label. After documenting all of this to Capital One, I was still charged for this fraudulent charge from the scammer merchant. The initial dispute was within the 60 day dispute time frame. I then called the Capital One dispute department again and provided all the required documentation to them again. They denied my dispute again. I filed a valid dispute which proved that the merchant DID NOT send me the merchandise that I paid for. Yet Capital One acted in an unfair and unethical manner and still charged me. I have been a loyal Capital One customer for many years. This is an unethical and unfair business practice in which Capital One has acted. I would not recommend using Capital One for credit card services because they are unethical. Use XXXXXXXX or XXXX. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is in violation of the Fair Credit Reporting Act. Which is section 603 ( 2 ) Exclusions. A consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. ( the person citing XXXX XXXX ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. 

That is two violations. I can cite more but I hope XXXX XXXX understands that they violated my rights and is a defamation of character because it is a violation of my right to privacy as well. I will attach the direct verbiage from the fair credit reporting act. I can also seek compensation up to {$1000.00} for each violation under the fair credit reporting act alongside the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to report fraudulent charges on my report, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX I am a victim of identity theft and did not authorize nor make these charges. I am requesting these fraudulent accounts be removed from my report, and that I receive and accurate statement. Please correct this matter and remove these fraudulent charges as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The accounts listed below are not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 


US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX   XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to address a late payments that appears on my credit report for my account number XXXX I have consistently made timely payments and have never been late. I believe this entry may be an error, and I kindly request that you investigate this matter. 
Maintaining a positive credit history is important to me, and I would appreciate your assistance in correcting this record. 
Thank you for your attention to this issue. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid the following fraud accounts out of my pocket not having knowledge of my consumer rights at the time of payments and creditor agreed to remove of my credit reports In accordance with the Fair Credit Reporting act. 
The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX U.S.C 1681 section 602 A. states have the right to privacy 15 U.S.C 1681c. ( a ) ( 5 ) Section no consumer reporting agency make any consumer report containing any of the following items of information any other adverse item 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, credit repair services, or other personal consumer reports

In XX/XX/2020, I filed a dispute with XXXX, Equifax and XXXX  credit bureaus about the inaccurate reporting from XXXX and XXXX for reporting late payments inaccurately on my credit report and these items should be removed according to the FCRA act. in This time I have not yet to be shown that the account is even under investigation and I have not received anything in response from these bureaus in over 45 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these four unverified accounts as of today. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a mortgage with XXXX XXXX XXXX. I used the Covid Cars Act to defer payments on the mortgage for three months beginning, XXXX of 2020. I sold my home for a profit in XXXX of 2020. XXXX was able to recover the back mortgage payments from the home sale. Even so, my credit score which was in the mid XXXX ( excellent ) just before I took the deferral and subsequently sold my home, tanked down to the XXXX ( fair ). It is still there even though I have a 100 % payment history on my reports and minimal credit card debt. I have government backed student loans which were there prior to the deferral. I have reached out to the credit bureaus and to XXXX who have given me the runaround each time. I need this fixed immediately.
Product: Debt collection

I was contacted by phone and text from XXXX XXXX XXXX about an XXXX XXXX account. They sent me threatening text which I will upload saying if I dont contact them today it will be a direct refusal on my voluntary option meaning to me sue or other extreme measures when they didnt even mail me a letter or validate debt etc. they also called me and used same language with veiled threats they are not licensed in my state to collect debt
Product: Mortgage

I have requesting on various occasions to have the debt validated. Citizen 's Bank did not provide this information. Instead, Citizen 's Bank continued with legal action, including foreclose action over the course of XXXX years.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is double reporting the same debt on my credit file for XXXX XXXX. As per my understanding this is a violation of the FCRA to double report the same debt on my credit file. This needs to be fixed immediately.
Product: Mortgage

Good afternoon- I submitted a complaint to the CFPB on XXXX XXXX. My case number assigned by Citizens is XXXX for Account XXXX held with Citizens Bank. The complaint number issued by CFPB is XXXX. Attached is a copy of that complaint for your review. In the complaint, I stated that the bank was severely dragging their feet on an approval or denial for the short sale package that was submitted back in XXXX of this year for the home I currently own. I received a call from XXXX XXXX in regards to my complaint on Monday XXXX XXXX and he assured me that he would be on top of my file so that the approval could be issued by the second deadline of first lien holder. This extension is the second and final extension that the first lien holder is granting to the closing of this short sale. I was told by the first lien holder that they could only grant XXXX thirty day extension to my file, which they granted for this be closed by XXXX XXXX. I have been following up via email, calls, voice mails etc. to the relationship manager at Citizens as well as the office of the Chairman assigned to my case, XXXX XXXX, and it is XXXX XXXX and this is still not resolved. The closing should have been set up for next Friday XXXX XXXX and I still do not have an approval. I have jumped through many hoops that have been placed in my path by the bank and I have documentation to that effect. With no approval, the buyer can not setup their final inspections, which will cause them not to be able to close by the XXXX of XXXX therefore forcing us to miss the second and final deadline given by the first lien holder and causing the home to go into foreclosure. I have provided everything that they have required of me and then have also provided my time and attention to this matter on other things that they have required / requested from other parties in this matter that were not my responsibility, but in order to provide them what they needed timely I did those things. Had I not provided those things, I could swallow the pill of foreclosure on my home easily however this is not the case as I can prove through my documentation of this case the last several months. 

It should not be to the point that this home should foreclose due to the negligence on the part of the bank. I am emailing this information in hopes that someone will look into this matter and see the negligence that has been caused to my detriment and order the violator to remedy the harm it caused me! If I have to escalate this issue up further, I surely will do that, but I am hoping that someone will get in contact with the Office of the Chairman, XXXX XXXX, at Citizens Bank so that this can be resolved because all of my previous attempts to contact him have failed over the last 3 weeks. XXXX XXXX can be reached at XXXX or XXXXXXXXXXXX. I have copied him here. OR, please contact me at XXXX or at this email address I am mailing from. Thank you for your consideration to this urgent matter!
Product: Credit reporting or other personal consumer reports

On XX/XX/24 I sent XXXX, XXXX, and Transunion a dispute about some on my account that have been defaming my character and causing me financial hardships due to the reporting. It has been over 30 days and they have yet to correct this issue.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX I requested a cash out rollover of my XXXX XXXX  through Merrill edge. They insisted I had to wait for a check to come through the postal service. The check arrived 7 days later and was payable to my house. To my house! Not to me! Obviously I could not use the check. I called Merrill edge and I had to wait XXXX minutes for help and all Merrill could do was tell me all of the steps I had to take to fix their mistake. I did everything they asked. They told me the funds would be available to wire to my account on XXXX XXXX and said they would wire the funds that day. It is now XXXX on XXXX XXXX and there is no sign of the funds in the account and the service reps are saying the money will supposedly be available tomorrow l, the XXXX. They keep speaking of XXXX managers working on the case to get the funds available to fix their mistake, but the managers never make the funds available and they keep pushing the date for the funds further away and telling me to just wait and trust them that the funds which were going to be available today will be available tomorrow. There is no basis or explanation for delays. Just telling me it takes time to move funds from the check payable to my house back into my account. After an hour on the phone on XXXX XXXX a XXXX manager told me the request to return my funds was never processed until XXXX on XXXX XXXX and my money would not be available until after XXXX on XXXX XXXX but he had no way to confirm that and just wanted me to depend on them to monitor the account again tomorrow and call me when the funds arrive. So no help from the XXXX  managers. Only solution they present is for me to trust the company that sent a check made payable to my house. To my house. More than a week lost because they wrote a check to my house. No answers except to trust them not to XXXX it up again.
Product: Credit reporting or other personal consumer reports

You are inaccurately reporting this account as a collection or charge-off despite the inconsistency in its history.
Product: Checking or savings account

im unable to open any accounts because of the fraud that have took place on my compromised accounts
Product: Credit reporting or other personal consumer reports

I'm NOT liable for this dept with XXXX XXXX PA ( XXXX XXXX ), I do NOT have a contract with NATIONAL CREDIT AUDIT CO, no paper work signed, no agreement for any amount of payment has historical value or legitimacy, also there has not ever been a COPY of the original contract as requested to prove my debt, as this DEBT with XXXXXXXX XXXX is a charge off, therefore the account is closed and has been sold to a collection agency NATIONAL CREDIT AUDIT CO.
Product: Debt collection

XXXX XXXX turned me over to a collection agency to collect for an insurance policy that I never purchased. The policy that I asked for a quote was for a house that I never closed on. I am receiving collection mail and phone calls stating that I owe them {$230.00} for this policy. I never purchase the house or the policy., I had asked them for a quote. A company called Credit Collection Services. Phone # XXXX, person name is XXXX.
Product: Credit card

Chase has decided to close my credit card account. I have tried to request for the reason for the decision but was not provided any. Chase said its a final decision by the bank without an opportunity to appeal or review my account. I have excellent credit and a long employment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the last year I have sent written disputes involving the reporting of a bankruptcy on my personal credit file through XXXX and Transunion. XXXX and TransUnion each time responds verified through 3rd party XXXX XXXX. However I also have obtained my personal file through XXXX XXXX  which shows no bankruptcys in their system. How is it that XXXX and Transunion verified through XXXX XXXX and XXXX XXXX has no data on myself in their system regarding a bankruptcy? Under section 609 of the FCRA XXXX and TransUnion would have to go to the original finisher or data which would be the court house but they have failed to do this. I think it also proper to point out that XXXX who also obtain data from XXXX XXXX deleted this same bankruptcy after being presented with no evidence of such. Provided is evidence to support my claim which includes reports from XXXX XXXX, XXXX and a letter from the XXXX district of Tx.
Product: Credit card or prepaid card

I have been making payments on my credit card. The payments clear my bank account but my credit limit does n't reflect it for 7 to 10 business days after clearing my bank. I am paying a fee to use  this credit limit and earn miles, however, I can not because my credit limit is being held up. On XX/XX/XXXX I made a {$400.00} payment that cleared my bank account the following day on XX/XX/XXXX. My billing period has since closed and as of XX/XX/XXXX this payment is still have not been applied towards my credit limit. This happened the previous month and the Citi Rep told me to make the payment over the phone. So, this payment was made over the phone and the automated service stated that my credit limit would reflect the payment in 2 business days after being received. When it did not then I called XXXX XXXX XXXX on XX/XX/XXXX and he could not help me and told me I could call another number. I have been paying other credit debt with Citi for years from my bank account which has been established and in good standing since XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 01 XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Portfolio Recovery is trying to collect a debt they bought and they are not licensed to operate in my state. I do not owe them.
Product: Credit reporting or other personal consumer reports

this account listed below was charged off on the following date ( XX/XX/year> ). Since then the account has been repeatedly been updated as charged-off every month. This is an update in the payment history. A charge-off account should NOT include an active payment history. This inaccurate information falsely manipulates the state of limitations. You failed to investigate this account properly and your neglect has violated my rights as a consumer. 

XXXX XXXX XXXX
Product: Mortgage

I have been complaining about the extra {$170.00} XXXX since my husband & I signed the loan modification to keep our home from being sold in a sheriff 's sale the next week. A federal agency called me two years ago as they were doing their investigation on this company & finally CFPB did a XXXX XXXX dollar settlement with them on XXXX 2020. I waited to be notified but never received anything about it. 
I called the Illinois Attorney General 's office who said Nationstar-Mr. Cooper could agree to have a mediation with me. I am still waiting.
Product: Checking or savings account

XXXX XXXX  updated their mobile app and I have been unable to login ever since. I called and spoke to someone who said she would get back to me. I have been calling back ever since and keep being told that their systems are down or they are updating and unable to access the accounts. This has been going on for two days and I have no resolution and I am unable to access my money.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is falsely reporting loan XXXX, as a charged off tradeline, in fact was a suurenderd do to engine failure under lemon laws, currently filed claims in the 2023 XXXX engine fail ure class action, where a pending claim for XXXX XXXX to pay them. They are aware that they are falsely reporting under fcra and must be corrected today. see attached.