23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3100.00}, {$10000.00}, {$6900.00}, {$22000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 XXXX b ) -- ACCOUNTS 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3100.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XXXX  XXXX, XXXX with a credit limit of {$10000.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6900.00} -This is not my account. 

XXXX. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$22000.00} -This is not my account.
Product: Mortgage

This regards flood insurance : All dates 2017 :  XX/XX/XXXX  Lender informed me flood insurance is required  XX/XX/XXXX  I initiated confirming with my insurance company about flood insurance  XX/XX/XXXX  After providing some information on the property, my insurance company determined the house is not in the flood zone and that insurance is not required.
 XX/XX/XXXX  Insurance company called lender informing then flood insurance in not required  XX/XX/XXXX  Supporting documents sent to Lender that insurance is not required  XX/XX/XXXX  Phone call to Lender to confirm they acknowledge previous information that insurance not required. I was informed they received info and were " looking into it '' XX/XX/XXXX No action taken by Lender, I purchased Flood insurance anyway from my insurance company for {$490.00} to avoid Lender starting their Lender Insurance at a cost of {$2400.00}. Send proof of insurance to Lender by fax and email.
 XX/XX/XXXX  Received call from Lender stating flood insurance is not required.
 XX/XX/XXXX  Received letter from Lender stating they were providing insurance for a cost of {$2400.00} and would be at my expense.
 XX/XX/XXXX  Send communication to lender demanding they acknowledge in writing that insurance is not required and cancel any insurance they have gotten for my loan See also attachments
Product: Credit reporting or other personal consumer reports

Multiple Credit Cards That was opened Fraudulently. 
XXXX - Open Date : XXXX XXXX - Account number : XXXX XXXX XXXX XXXX Open Date : XX/XX/year> Account number : XXXX Inquire : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and XXXX showing inaccurate on credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I have credit inquiries in my credit report that I did n't authorize. I 've sent letters to some of the creditors and they still have n't remove the inquiry off my credit report. I also sent them a letter to prove to me that I authorize the inquiry on my credit report and I still have n't receive nothing.
The inquires are listed below.
1.   XXXX   XXXX   XXXX    XX/XX/XXXX  2.   XXXX   XXXX   XXXX   XX/XX/XXXX  3.  XXXX   XXXX   XXXX   XXXX    XX/XX/XXXX 4. Suntrust Banks of FL  XX/XX/XXXX  5.  XXXX   XXXX   XXXX   XX/XX/XXXX  6  XXXX   XXXX   XXXX     XX/XX/XXXX 7 .   XXXX   XXXX    XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I used loan whit affirm, I buy vacation packages by XXXX result is mistakes in my reservation XXXX never removed and cancellation because I call affirm and dispute and not make nothing, but affirm persist said I duet but I never used this reservation.. I will cancel and money back. 

XXXX I used affirm but watch XXXX, used XXXX XXXX and this XXXX sold me a fakes XXXX  and I investigate whit XXXX  and said I need my money back and I call and dispute whit affirm send all my proof and affirm make nothing and persist duet I dont any duets but I dispute transaction for fraud For both affirm damage my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

There are numerous accounts and inquiries listed on my credit report that I have no knowledge of. This was not initiated or authorized by me and was a result of malpractice or an error.
Product: Debt collection

XXXX XXXX having on collection since XX/XX/XXXX and been reported me collection since that time this account it is been more seven year reportly wrong in my credit report i paid prepaid legal services which this month send a letter to them dispute the collection information for opened and reported date is completed wrong this company bought the collection for lowe 's since XX/XX/XXXX and is been open and reported to all my credit buberau wrong if you look the date the put it as opend as XX/XX/XXXX and reported as XX/XX/XXXX this company has enough time to take my to court or sue me and is ilegal to been more seven year reported by same collection company i trying to fix my credit becouse i need to expend by business XXXX XXXX XXXX Past Due : $ $ $ High Balance : {$2900.00} {$2900.00} {$2900.00} Terms : Limit : $ $ $ Payment : $ XXXX $ XXXX $ XXXX Opened : XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX Reported : XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX Responsibility : Individual Individual Individual [ XXXX ] [ XXXX ] [ XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Accounts XXXX XXXX XXXX XXXX $ XXXX DISPUTED XXXX XXXX Card/ XXXX XXXX $ XXXX DISPUTED XXXX  XXXX Bank/ XXXX XXXX $ XXXX DISPUTED XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX XXXX $ XXXX DISPUTED XXXX XXXX XXXX XX/XX/XXXX, XXXX $ XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX $ XXXX DISPUTED XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX {$720.00} / DISPUTED XXXX XXXX Bank/ XXXX XX/XX/XXXX XXXX XXXX $ XXXX DISPUTED OXXXX XXXX XXXXXXXX Bank XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX DISPUTED XXXX XXXX XX/XX/XXXX, XXXX $ XXXX DISPUTED XXXX XXXX/ XXXX XXXX $ XXXX DISPUTED XXXX XXXXXXXX XXXX XXXX PAID has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

After obtaining a credit report I notice a few debts that are not mines and needs to be removed off my credit files. 
Debt Agencies : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Debt amount : {$1600.00} 2. XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX Debt amount : {$230.00} {$210.00} 3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mo XXXX Debt amount : {$230.00} I never received information in the mail on these debts reported.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within 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 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: Mortgage

Ditech Mortgage filed Foreclosure on our home in Maryland. We requested a Reinstatement Quote and received the amount on a letter dated XX/XX/2016. The quote was effective until XX/XX/2016. A Cashier Check was sent in the quoted amount. Cashier Check was received in the Law Office on XX/XX/2016 then sent via overnight and received at Ditech on XX/XX/2016. It took Ditech 5 days to tender the check and now they are stating that only a portion of the funds where received. Point being, you ca n't cash only a portion of a check. It is everything or nothing. They have been incompetent thru the whole process. Now they want more money than the Restatement Quote was given to us. 

We need help to deal with these people. Even their attorney 's are very frustrated at their lack of response in this matter. We suspect they are deliberately manipulating the situation to take advantage of our misfortune. 

XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureaus must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. This account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$0.00}
Product: Checking or savings account

XX/XX/year> attempted to contact XXXX XXXX at Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Was informed by XXXX XXXX, XXXX XXXX was out of the office. I requested XXXX XXXX to assist me, however, he ignored my request and did not respond. 
On XX/XX/year> attempted to contact XXXX XXXX again by email and by phone at XXXX on his personal line and also the bank line at XXXX with no response. No response so I resent the email on XX/XX/year>. Once again, no response. 
On XX/XX/year>, attempted to contact via email XXXX XXXX XXXX region at Bank of America in XXXX XXXX XXXX The email address I had for XXXX XXXX continued to bounce. I left a phone message for XXXX XXXX with no response, at XXXX and no response On XX/XX/year>, Filed a formal complaint with Bank of America at XXXX and at XXXX with no response. 
I am a XXXX  year customer of Bank of America and retain a considerable sum in my checking account. Need to have someone respond to me ASAP For the record, I am a Senior Citizen with a partial XXXX and Bank of America shows disparate treatment to consumers such as myself as they have removed drive in tellers and various locations of their branches making it extremely difficult for me to go to the XXXX location they have as there are only XXXX handicapped spaces that are never available therefore I must do business via email or phone ( preferably email ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX AV XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX : {$0.00} CAPITAL XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$67.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX  XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$3600.00} XXXX  XXXX XXXX Balance : {$570.00} XXXX  XXXX XXXX Balance : - XXXX  XXXX XXXX  XXXX Balance : {$750.00} XXXX XXXX XXXX XXXX Balance : {$10.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$460.00} XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX. ) XXXX Balance : {$670.00} XXXX XXXX XXXX XXXX Balance : {$120.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX Balance : {$540.00} XXXX Original creditor : XXXX AT T XXXX Balance {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX  ) XXXX Balance : {$940.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$180.00} XXXX XXXX XXXX XXXX XXXX : {$230.00} XXXX XXXX ( Original creditor : XXXX XXXX  XXXX XXXX Balance {$1100.00} XXXX XXXX XXXX Original creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX Balance : {$910.00} XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : - XXXX XXXX XXXX Balance {$450.00} XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX  XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX  XXXX on XX/XX/XXXX XXXX XXXX  XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing these two account for about a year with no success. I have sent supporting documents and get the same results. The furnisher has not been reporting accurate information. The credit bureaus have not verified the furnishers reporting base on the documents I sent. Also the account history has been modified. The first delinquency date has been changed which is against the law. The furnisher of the data is XXXX XXXX XXXX.Account number XXXX and XXXX One of the Credit Bureaus Transunion has deleted account XXXX due to the age of the account. according to the law you must report 100 % accurate information. The balance is inaccurate and the history is inaccurate the first reporting date is inaccurate the account is close this not a new account which the furnisher reports as new. The credit bureaus response this account has been verified as accurate how when the the history and my supporting document clearly show discrepancies. The credit bureau must verify all information before publishing This has hurt my credit standing please investigate
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Be advised this is not a refusal to pay, but notice that your claim is disputed, and validation is requested. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you for three accounts ASSET CARE LLC Account # XXXX Amount {$180.00}, {$140.00}, {$580.00}. NOT who you have been paid by a third party. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt to you. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. ex I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you ( Asset Care LLC ). Please validate that this debt belongs to me and please also show me the original contract. 

I am sure your legal staff will agree that non-compliance with this request could put your company in serious trouble with the FTC and other state or federal agencies. 
If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. If your offices fail to respond to the validation request 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file.
Product: Credit reporting or other personal consumer reports

Today, I am writing this complaint to Equifax regarding the incorrect information on my accounts. I sent them a letter requesting for investigation of those accounts mentioned, they took more than 30 days to complete and they stated that they have completed the investigation. However when I pull my recent report I don't see any changes made at all. They claimed that they verified the information but how come that it is verified when the date of last activity, date opened, date of last report. 
payment history and status are inaccurate? This is not right. I understand my rights under 15 U.S.C 1681 section 602 A which states that I have the right to privacy and 15 U.S.C 1681 section 604 A Section 2, which also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

XXXX XXXX XX/XX/year> Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ATTN : XXXX XXXX XXXX  Subject : Dispute of Charge-Off Account XXXX XXXX XXXX ( Account Number with Midland Credit Management- XXXX XXXX XXXX *Dear Midland Credit Management, I am writing to formally dispute a charge-off account associated with XXXX XXXX XXXX that has been reported to my credit file. The account number in question ends in XXXX and has a total balance of {$1100.00}. I believe this account does not belong to me, and I am requesting that you investigate this matter in accordance with 15 USC Code 1692. 

I have never opened an account with XXXX XXXX XXXX, nor have I authorized any transactions related to this account. I kindly ask that you provide me with the following information : Verification of the debt : Please provide documentation that proves I am responsible for this account, including the original credit agreement. 
Details of the account : Include the date the account was opened, the original creditor ( XXXX XXXX  ), and any other relevant information. 
Under the Fair Debt Collection Practices Act, I have the right to dispute this debt and request verification. I expect a prompt response to this letter within 30 days. If you can not provide the necessary documentation, I request that you remove this charge-off from my credit report. 

Please be advised that if this matter is not resolved within 30 days, I will be forced to pursue further legal action, including litigation. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please remove the inaccurate records being reported on my credit file.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( C F P A ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their depute resolution process was unfair and and deceptive, as they did not comply with the error resolution requirements under the Electronic Fund Transfer Act ( E F T A ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

On XX/XX/XXXX, I received a debt collection letter from Harris & Harris. The following day, I sent them a debt validation letter. I have proof that they received the letter on XX/XX/XXXX. They contacted me at least twice after not verifying the debt. Once via text on XX/XX/XXXX and once via phone call on XX/XX/XXXX. I requested in the letter that no contact be made by their offices to my cell phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX