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

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. ACCOUNTS : XXXXXXXX XXXX Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of. There is False bankruptcy information showing on my report. I have already disputed with the credit bureaus via certified mail and have gotten no response. I have contacted the County Clerk at the court and they have also stated that they do not furnish any information to the bureaus so the bankruptcy on my credit report is illegal and damaging to my credit score. You have failed to conduct a truthful investigation into this PUBLIC RECORD within the provisions of consumer laws. NOT IN COMPLIANT! Its impossible that you indeed investigated or even attempted to look into these public record listed below because I asked the court clerk if they verify records with the credit bureaus and they stated and send me a attached letter that they do NOT, so how did you legally verified this? For example, court name is not accurate each credit reporting agency must report the actual name of the court, followed by city, state. You are required to obtain verification from the DATA FURNISHER and the court told me that they do not verify with you, so HOW is anything else considered legal verification? I need you to send me the petition to verify this account. If you can not do that, then this needs to be removed and permanently deleted. I want this removed from my credit report asap.
Product: Debt collection

This company is constantly call my phone all day. Plus they reported the debt to my credit file tthat is damaging my credit and life.
Product: Credit reporting or other personal consumer reports

I am disputing the following negative items that continue to appear on my credit report : XXXX XXXX  - XXXX - {$4300.00} XXXX XXXX XXXX XXXX - XX/XX/year> These items remain unverified despite my repeated attempts to dispute them. I have submitted multiple requests, provided detailed information, and followed all proper procedures, yet no corrective action has been taken. This lack of resolution has caused me significant financial difficulty, and the stress from dealing with this issue has deeply affected my mental and physical health. It is unjust to leave these inaccuracies unaddressed while they negatively impact my life. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate and transparent credit report. These unresolved items are a direct violation of my rights, and I request immediate attention to investigate and either verify or remove these negative entries from my report.
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 XXXXXXXX XXXX accounts # XXXX, XXXX, XXXXXXXX XXXX XXXX account # XXXX, XXXX, XXXX XXXX  XXXX account # XXXX 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 a account without my written instructions
Product: Mortgage

I am writing as I received a response from XXXX .but they have not up load -ed the letter. at the time of the transferred of my loan XXXX responded that at the time of transfer and I quote.the short year history escrow statement reflected an actual bal XXXX at time of transfer end quote .this is where the problem lies with bsi financial .I received from bsi the final escrow statement showing XXXX XXXX had closed out the loan .prior to that the escrow acct was corrected add XXXX for shortage .I received a letter stating that there was no money from the transfer transfer from XXXX to bsi and was then charged a I believe either XXXX or XXXX to start the escrow accout. I would like to know where the XXXX esc -row amount went at time of transfer.i believe this is where the problem lies
Product: Credit reporting or other personal consumer reports

Good Morning, Request for Deletion of Collection I hope this letter finds you well. I am writing to formally request the deletion of my Collection, as per the terms of the Forward Follow Agreement that was previously agreed upon between your company XXXX XXXX XXXX and XXXX XXXX XXXX as outlined in the agreement, the purpose of the Forward Follow Agreement was to allow the collection of specific data for a predetermined period of time. However, the agreed-upon period has now come to an end, and I kindly request that you initiate the deletion process for the charge-off as specified in the agreement. 

Please ensure that all data related to the collection is completely and irretrievably deleted from your systems and any associated storage devices. This includes any backups or duplicates of the data that may exist. I also request that you provide me with a written confirmation of the completion of the deletion process. 

I understand that data privacy and protection are crucial, and I appreciate your attention to this matter. If you require any additional information or documentation from my end to facilitate the deletion process, please do not hesitate to let me know, and I will promptly provide the necessary details. 

I kindly request that you carry out the deletion process within XXXX business days to comply with the terms of the agreement. 

Thank you, For your cooperation in this matter. I look forward to receiving your confirmation of the deletion process from all credit reporting agencies.
Product: Debt collection

I have contacted this collection agency after learning about a collection amount on my credit report in XX/XX/XXXX. I spoke to an agent at was told this collection was due to services rendered on XX/XX/XXXX. Upon learning this I immediately contacted my insurance company and they provided me with an explanation of services paid to the provider that clearly states all was paid in FULL. with the exception of my co pay of {$70.00} to which was paid and the original prover confirms this.. I forwarded that proof to the collection agency and they refuse to remove from my credit and also to submit a satisfaction letter to show their error. I believe this is a scam from someone who got our information and they refuse to provide me with proof of said debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

AMERICAN CREDIT ACCEPT, late payments who were never made. XXXX REMOVE THEM NOW. 



XXXX XXXX - Date opened - XX/XX/XXXX - This account only appears on XXXX it is really odd since it is the only i have on my credit report showing on a Bureau, remove them now. 


XXXX - Date opened - XX/XX/XXXX - This account only appears on XXXX, it is really odd since it is the only i have on my credit report showing on a Bureau, remove them now. 



Two inquiries who are - XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXXXXXX Utilities and Fuel XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report, there are fraudulent accounts in it, I believe I'm a victim of XXXX XXXX  and identity theft. I'm writing to request all fraudulent accounts in my report be removed immediately!
Product: Credit reporting or other personal consumer reports

Im very devastated that i have paid off a {$23000.00} dollar car loan with only 7 % left to pay and NOT XXXX credit burial has given me any points on my credit report. XXXX has never given me any credit points for a 100 % flawless car payment. and Experien and XXXX has never even reported it on my credit file. it's like im the most XXXX  at XXXX because everyone get points for having 100 % payment history and i did not receive any score points or boost I want the XXXX points i should have that i have paid off this loan up to 7 % please treat me fair and considering i just beat XXXX  XXXX XXXX XXXX and i still never missed a car payment and never been late. I have checked around and i know i should have XXXX points for this.
Product: Vehicle loan or lease

{$4200.00} MID ATLANTIC FINANCE I was told back when i surrender the car to the bank now they say I owe XXXX they me if I surrender I would not owe any money now its changed
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting Act XXXX Account name, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, Dept of EDXXXX, XXXX XXXX XXXX 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: Checking or savings account

Occurred XX/XX/XXXX & XX/XX/XXXX, two separate times. 
There have been accounts opened in my name using my social security number, name and date of birth, on two separate occasions in XX/XX/XXXX, without verification of my email, address, phone number, or ID. I have never had accounts with TD Bank. If not for XXXX, I would not have known about this. The first time, XX/XX/XXXX, I called TD Bank, and I was told the accounts would be frozen, then closed. I was also told my social security number would be flagged against this happening again. Obviously it happened a second time on XX/XX/XXXX. They are allowing people to open accounts online with no hard check on credit, or ID verification. At this point, because of XXXX, I was able to stop this before any money was lost. I would like to know how I can be compensated for constant time spent on the phone, internet, lost work time, stress, etc., trying to get these matters resolved. I would also like to have people aware of TD Bank 's practices, and they be held responsible for these practices, so this does not continue to happen to me or others. I will also be filing a complaint with the XXXX, and looking into a lawsuit since this has happened multiple times.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has a zero balance and was paid to XXXX XXXX XXXX via Federal Income Tax Return being garnished in 2012 and I am constantly being harassed saying I have an open account with XXXX XXXX XXXX when I don't have any active contracts with this company. There is a zero balance as seen attached. Please have company delete both accounts as they are paid in full : Account # XXXX Account # XXXX Thank you, XXXX XXXX Last Four SSN # XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Late Payment XXXX XXXX XXXX XXXXXXXX - {$92000.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX - {$39000.00} XXXX  XXXX - XXXX - {$1900.00} XXXX  XXXX - XXXX - {$280.00} XXXX - XXXX - {$0.00} XXXX XXXX XXXXXXXX - {$570.00} Inquiry XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/year>
Product: Credit reporting or other personal consumer reports

I have contacted Experian Credit Bureau by letter and by phone requesting that all my old addresses be removed. 
under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c and 15 U.S.C. 1681i. Accurate reporting of personal information is essential for maintaining the integrity of my credit file, and I respectfully request that you correct the errors detailed below.
Product: Debt collection

XX/XX/XXXX i called and said to take my number off the list. 
They have called everyday since XXXX They keep acting like I have debt to pay them but I filed XXXX XXXX bankruptcy XXXX years ago. I have no debt to anyone and they continue to call me. I feel that they are trying to steal info and commit fraud or scams.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX XXXX  to tell you that I am a XXXX XXXX XXXX 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 alleged fraud or extortion. 
XXXX, XXXX ; XXXX, XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX CO XXXX Balance : {$2900.00} ; XXXX, XXXX XXXX XXXXXXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$320.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$320.00} ; XXXX XXXX XXXX Inquired on XX/XX/2022 2022
Product: Vehicle loan or lease

There was a business opportunity being marketed for passive income to create a wholesale car dealership. We were told to apply for a car loan and we would be sold a car from the group 's inventory. In XXXX days the car would be sold and our loan paid off. That would build car credit for us which would increase the amount of credit that we would be approved for, for our dealership. The group would help us create an LLC and apply for a wholesale license and obtain a dealership within their network. There were weekly XXXX calls and a dedicated XXXX group to help guide us. We were told to endorse our auto loan documents and send the check to them. They produced a bill of sale to the lenders. 
After XXXX days when the vehicle was due to be paid off, we were told there were processing delays due to COVID and states were changing requirements for establishing dealerships. So we were told to wait. It has been over a year now and communication has stopped. 
This business opportunity was sold to us under false pretenses as we are discovering that some of the VIN numbers to the vehicles are false and some of these vehicles dont exist. The main person that lead the team has been indicted several times for similar types of violations and this business is an elaborate Ponzi scheme
Product: Payday loan, title loan, or personal loan

On XX/XX/18 XXXX XXXX called one of my references and informed them i am behind in my payments and disclosed how much i owe them. The reference they called was a family member that had no right to know how much i owed or inform them of what type of loan i had with them.
Product: Credit reporting or other personal consumer reports

They are providing false and misleading information and using my credit score unlawfully Equifax breach my data They give me no money for relief because I didnt make the claim deadline and they are still breaching my data and providing false credit scores on my reports XXXX XXXX XXXX XXXX- was provided a score of XXXX on XXXX via Equifax XXXX was provided a score of XXXX on XXXX via Equifax This is in clear violation of 15 USC I want remedy now And I want Credit relief from this happening again
Product: Credit card or prepaid card

Bank of America is XXXX XXXX posting payments to my account. The payments are made via online banking via transfers - from a checking or savings account - to my credit card ... and any such payment, no matter the size ( nearly always under {$XXXX} ) takes multiple business days to process. 

In the XXXX century, that would have been reasonable. This is the XXXX.
Product: Credit reporting or other personal consumer reports

On the day of XX/XX/2024, I submitted a complaint, ID number XXXX XXXX, to the cfpb about inaccuracies on my Experian credit report and Experian has taken more then XXXX  days to respond back to me. The FCRA requires that credit reporting agencies must investigate disputes related to the accuracy of information on a credit report within XXXX  days of receiving a dispute. This is outlined in Section 611 of the FCRA, Procedures in case of disputed accuracy. On the CFPB site under my account it is still reporting the dispute as being open, so whatever was disputed must be deleted and if Experian says that they sent me a letter stating the dispute was closed tell them to prove it. I want proof that the dispute was closed within XXXX  days because I didnt receive any letter. If I disputed with the CFPB it must be closed with the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chexsystems refuses to remove untrue information on my credit report. There was no fraud activity with XXXX XXXX. Also, there are numerous inquiries on my chexsystems report from XX/XX/2017-XX/XX/2017. I did not authorize these inquiries, but chexsystems refuses to remove them.
Product: Credit card

I received a text from Bank of America regarding a fraud alert-I was at home- I replied immediately and I did not make this purchase for {$480.00} I called the card immediately and reported this as fraud. I got a letter on my account that my claim was denied because my card with chip was used.
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 {$2800.00}, {$14000.00}. 
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 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2800.00} -This is not my account. 

2. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account.
Product: Mortgage

I have a loan through Bank of America and have paid on it for 220 months out of XXXX total. I have never missed a payment. The original amount was {$99000.00} and the balance is {$70000.00}, meaning I am at a 70 % of loan value, significantly under the 78 %. I have repeatedly requested that the PMI be canceled. The bank initial said that there was a mandated time that the PMI had to remain per contract, even though the loan-to-value was under 78 %. Now that the time period has elapsed, the bank says that I must pay them to pay for an appraisal before they will cancel. Under this theory, the bank will NEVER be required to cancel the PMI. While I understand that informal valuations are not permitted, a XXXX estimate is {$140000.00}. It is disingenuous to hold the position that the loan-to-value on this mortgage is somehow less than 78 %. The bank should have to prove that the actual value of the house has decreased under $ XXXX which was the original mortgage. 

In summary 1. The PMI should have been canceled per the amount of time requiring it has passed 2. The current balance of $ XXXX is 70 % of the original mortgage XXXX. The current balance of $ XXXX is less than the actual value of the home.
Product: Credit reporting or other personal consumer reports

I have just learned that my identity was breached and data was hacked through XXXX 's website. I have had ongoing issues with IDme.gov sending me pings at various times when I personally am not on their website or using any services online. This was the first sign that something was wrong then I kept getting my XXXX card declined because of Fraud again and spent over 35 hours on the phone with them paying extra fees to have new cards expedited to me so I could pay bills. I also noticed on my credit report that my data was distributed on the dark web. I am currently in school and will be graduating soon and am also in the market to buy a house for me and my XXXX daughters. I am a XXXX  parent who is struggling financially and can not believe I have this many issues with credit cards, that I also had to call and have charges removed multiple times ( XXXX hours ), that is to XXXX  and Capital One over the past year. I am severely affected by all of this and sometimes feel XXXX  and XXXX due to the amount of harassment from the credit card companies with no resolve. I chose to walk away and file with a debt management company out of desperation. I don't know where I went wrong until I found out about my data/identity theft yesterday XX/XX/23 on the XXXX website now it all makes sense. And why did nobody tell me earlier this is disappointing and scary! If my data is already being used elsewhere my business is also at risk. I am a business owner and recently signed up on the XXXX and XXXX website that also reported suspicious activity that was unknown but a large amount of unknown information? Where do I get resolve I am only one person work full-time and attend school online ( bachelors ) and am worried my student loans may have been impacted too. I don't know where to start or to end because I have had multiple inquiries on my credit report recently I wouldn't know where to start. This data breach is ruining my chances of ever owning a home or making large life purchases and its not only one card or one loan its multiple accounts please help.