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

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : XXXXConfirmation of corrections made to the disputed items. 
XXXXAssurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ). 
XXXXWritten confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Debt collection

After a thorough review of my credit report, I noticed several accounts that I believe were fraudulently added without my permission.
Product: Debt collection

I am the victim of identity theft and my information was used to open an apartment lease in the XXXX, GA are. I have already filed a police report and have had several of these accounts discharged as a result of both identity theft and the fact that I have never even been to XXXX. The most recent was from the management company of the apartment complex that the accounts were opened at.
Product: Credit card or prepaid card

I am a XXXX XXXX rewards client with Bank of America. My wife and I had a joint preferred rewards credit card with BofA. on Thursday XX/XX/XXXX, I noticed my credit card was missing from my BofA app and I had no access to it. I have called Bank of America XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, and Monday XX/XX/XXXX about the account closure. A few representatives have said the account was closed due to fraud. Different representatives have told me different narratives about the " closure to due fraud '' including : XXXX ) My account had suspected fraudulent transactions and I would be issued a new card. If this is true, I have a legal right to dispute the charges. No one has been able to tell me what these potential charges are. I do not even know what my remaining balance is. 

XXXX ) A different representative told me my account was closed because BofA believed my entire was fraudulent. This seems strange to me given I have had the credit card for years ; it is not a recently opened account. 

I have not received any formal communication or notice from BofA about the account closure, so all I have is what I have gathered from " monitored, recorded '' phone calls with the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Address is incorrect on my credit report. I have never lived on XXXX XXXX XXXX in XXXX XXXX or had any services, credit cards, or bank accounts linked to address but it appears on my report I disputed this inaccuracy multiple times with the credit bureau and they said they were going to investigate but never notified me with the results or actually investigated the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 15th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX Account is showing inaccurate on the amount due on 2 bureaus, transunion reflects a balance of {$200000.00}. XXXX reflects a different balance of {$200000.00}. XXXX reflects a balance of {$200000.00}. 
This account also shows that a foreclosure was initiated in XX/XX/2021, that is also inaccurate. The balance was paid in full on XX/XX/2021 so it should not be reporting a foreclosure being initiated in XXXX. This account also shows late payments that are different on all bureaus. This XXXX account also shows different payment amounts as well on all bureaus.The inaccuracies from the XXXX account effects my credit report, score and XXXX ratio. I have attached documents for review
Product: Credit reporting or other personal consumer reports

I am a victim of the recent XXXX Data Breach and XXXX Data Breach and have recently discovered that my personal information has been compromised. This breach has caused significant hardship and has had a devastating impact on my life. While reviewing my credit report, I identified several unauthorized accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

im an id theft victim. 
these items do not belong to me u s bankruptcy court opened XX/XX/2012 XXXX XXXX XXXX {$5300.00} ( XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX  {$2200.00}
Product: Mortgage

My wife and I closed on the sale of our home on XX/XX/2016. We then moved into our apartment the following day. On the day of closing, we were advised by the title company that we should expect an escrow payment from our mortgage lender Dovenmuehle. We contacted them and inquired if the process. We were advised that we would need to send in our updated mailing address and the check would be processed 15 days after the loan was paid in full. 

I sent this information XX/XX/XXXX, through several phone calls I have had with Dovenmuehle the address has been verified and I have even received a letter printed XX/XX/2016 regarding the account details of my loan from XX/XX/2016 thru XX/XX/2016. But, I have not received my escrow check. 

My account says the escrow refund was processed XX/XX/2016. 

I have called Dovenmuehle several times regarding this issue and with no exaggeration, I have received a different story each and every time I have called. 

* I have been told the check was sent out and I would have to wait 30 days until they would resend. 

* I have been told the check was sent out and I would have to wait 60 days until they would resend. 

* I have been told a new check was sent the week of XX/XX/XXXX and would be processed within 2 business days. 

* I have been told a request was processed but could not be finalized until 7-10 days from the second check request ( XX/XX/2016 ) * On the most recent conversation XX/XX/2016 have been told I would have to wait until XX/XX/2016, and on that day I would need to call and request a new check be processed. 

There is no consistency, no accountability and a reputation of distrust has been established. I do n't know where this check was sent, but one thing is for certain I do n't have it and for me to get a letter of an Escrow Statement printed on XX/XX/2016 before I got a checked issued XX/XX/2016 lets me know here is undoubtedly a problem, one which they have given me zero assurance that they are taking care of and now they have placed the responsibility on me to make sure their information is sent correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to call companies several times to which they ( misspell some things sometimes and also change around wording ) have transferred me several times and they finally hang up on me. here is the list of inquiries : Here is the list of inquiries : Transunion : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent Trans Union and XXXX a Certified Letter About Unauthorized Inquiries On My Credit Report. They Came Back Verified On XX/XX/XXXX. I Do n't Recall Authorizing, I Understand That you Should n't Be Allows To Put An Inquire On My File Unless I Have Authorized It. I Have Contacted All Credit Bureaus And They Refuse To Move Them.I have also contacted the creditors and they have told to contact the credit bureaus. and it 's just back and forth who to dispute this with. I Sent Credit Bureaus Certified Letters. Inquiries : 1.XXXX XXXX XXXX XXXX 2.XXXX XX/XX/XXXX-XX/XX/XXXX 3.XXXX-XX/XX/XXXX 4.XXXX XXXX- XX/XX/XXXX 5.XXXX XXXX-XX/XX/XXXX 6.XXXX XXXX-XX/XX/XXXX 7.XXXX XXXX 8 . XXXX XXXX XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, I further remind you that, as in XXXX v. Trans Union Corp., No. XXXX ( XXXX XX/XX/XXXX ), you may be liable for your willful non-compliance. Failure to respond satisfactorily may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. )  Violations of the Fair Credit Reporting Act
Product: Credit reporting

I have several duplicate hard inquiries on my credit report from XXXX that were supposed to be removed but they are still there and affecting my ability to close on a house in 30 days. I am not working with this mortgage company. They should not be allowed to make multiple inquiries. I never game them permission to make multiple inquiries. 
The inquiries are as follows on Transunion, XXXX, and XXXX XXXX, XXXX inquiries on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX
Product: Credit reporting or other personal consumer reports

I'm writing to communicate my XXXX  and present a protest to EQUIFAX with respect to the ill-advised utilization of my credit report and the revealing of incorrect data on my record. I recently sent a letter to your office mentioning an examination concerning specific mysterious records. Regardless of your affirmation of leading a legitimate examination, after checking on my credit report, I found that erroneous data endures. The disparities incorporate however are not restricted to, the date opened, date of last action, date revealed, account status, and installment history. It is dampening to take note of that such errors keep on being reflected in my credit report, notwithstanding the underlying solicitation for examination. I trust what is happening encroaches upon my privileges as framed in 15 U.S.C 1681 section 602 A, which underlines my right to protection. Moreover, 15 U.S.C 1681 section 604 A Section 2 specifies that a shopper detailing organization can't outfit a record without my composed guidelines. I compassionately demand an exhaustive survey of my case and the brief revision of the errors in my credit report. Your participation in settling this matter is profoundly valued. That's what I believe, as a legitimate credit revealing office, XXXX will do whatever it takes to correct this present circumstance and guarantee the exactness of the data in my credit record. I have attached the FTC report with the report number XXXX to support this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mortgage services inquiry on XX/XX/XXXX XXXX XXXX XXXX card services inquiry on XX/XX/XXXX XXXX XXXX  inquiry on XX/XX/XXXX XXXX
Product: Checking or savings account

I tried to get information and they did not want to give it to me never wanted to talk to me when I called I kept asking for a manger and know one contact me
Product: Debt collection

Collections line item has been reported to my credit report profile in the amount of {$4000.00} for an account that was not opened by me nor did I have any knowledge of. 
This discrepancy was reported directly to the company listed as well as the credit bureau. 
Account my have been acquired when my personal information was breached during data breaches associated with XXXX and XXXX which have both impacted me. 

Line item being reported was established without my knowledge or permission.
Product: Credit reporting or other personal consumer reports

I have no liability to RECEIVABLE MGMT GROUP for they are a third party debt collector and I have no contract with them. RECEIVABLE MGMT GROUP brought the debt from XXXX XXXX XXXX in which the debt would had to have been charged off. A charge off is considered income and income can not be reported to credit report because it turns into a certificate of indebtedness. I would like RECEIVABLE MGMT GROUP to provide me the direct contract between them and XXXX XXXX XXXX showing that the are authorized to collect for XXXX XXXX XXXX and they are not a company that just brought a debt. They have also violated the Privacy Act of 1974 and 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
I was never given a notice or way to out of RECEIVABLE MGMT GROUP and XXXX reporting this to my report. It was caused significant emotional damage for I was not able obtain credit because of your actions.
Product: Credit reporting or other personal consumer reports

Recently I looked at my credit file and found info that can't be verified and info that is not accurate these items are not being reported 100 % correct. Under XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are a result of Identity theft and Trafficking! Please take action and remove them from my credit report asap! 

Account Name : XXXX XXXX XXXX XXXXXXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXXXXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  XXXX # XXXXXXXXXXXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request an investigation into potentially fraudulent activity on my credit report. After reviewing my credit report, I noticed some inquiries that I do not recognize and believe to be fraudulent. 
See below : -- TRANSUNION -- XXXXXXXX XXXX XXXXXXXX XX/XX/2023 -- XXXX -- XXXX XXXX - XX/XX/2023
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action.

I demand the following accounts be verified or removed immediately.

1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 US-CODE 16921 XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is committed fraud against my Trust and Estate Full faith in Credit by reporting false information on my report. I aquire my home at XXXX XXXX XXXX XXXX NY XXXX, on XX/XX/2020 via Promissory Note which is to be considered to be the same as cash in accordance with 1882 Bills Of Exchange Act. The Debt has been paid in full, The Debt of Exchange has been signed, sealed and delivered to XXXX XXXX XXXX XXXX, its not fair that Experian are allowed to report this fraud against my Trust and Estate
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Trans Union are not responding to any of my requests to investigate, verify and remove accounts from my credit report/file that do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft since at least  X/XX/2017  . I filed  an initial fraud alert with  XXXX  and they forwarded it to  XXXX  and Equifax. I received confirmations from   XXXX   ( dated   X/XX/2107   ) and   XXXX    (  dated   X/XX/2017   ).     Per best practices, I need to review all  XXXX  credit reports for fraudulent activity to correct it as well as to inform the investigating police agency (   XXXX   XXXX   XXXX   [  XXXX   XXXX  CO  ] Police Department )    XXXX   XXXX   information notes " An initial fraud alert entitles you to a copy of all the information in your file at each of the  XXXX  nationwide agencies ... ''. However, I 've tried the various phone  XXXX  options on each of the phone numbers given in the confirmations (  XXXX ,  XXXX ,  XXXX  ) as well as that of   XXXX   XXXX   XXXX   (  XXXX  ).     No matter which combination I tried, I ended up in the automated phone system to request the standard credit report. Even when I pursued this option it failed because it could not confirm my identity. In another case, because the system hung up on -- selling me -- my credit score and would not go on. At no point was I given an option to speak to a human being.     I was repeated referred to  XXXX  and finally tried that. There was no option to request the extra credit report that I am hypothetically entitled to as a victim of identity theft. My attempt to order my   XXXX   credit report failed because I had already requested it once it the last year. My attempt ( on  XXXX  ) to order a second report (  XXXX  I believe ) failed because my eyes are no longer good enough to pass most Captchas particularly those with ragged text on multi-colored backgrounds and those asking  one to  click on the pictures that have  X ( c ars, traffic signs, boats ) in them.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts were fraudulently opened in my name. I am a victim of identity theft and did not make the charges..I am requesting that the items be blocked to correct my credit report XXXX XXXX, XXXX XXXX XXXX XXXX ORIGINAL CREDITOR NAME : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 XX/XX/year>
Product: Credit card

Knowing the app was letting wrongful transactions add up because it was money on the account they continued to let it take place knowing that I was hospitalized during all of the transactions and repeatedly reporting disputes with them they closed my account with well over XXXX XXXX dollars in taken funds which I disputed all of the transactions so they are all are on file and yet to be returned to me. 
I am looking to seek more legal action if funds are not returned and settled