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

Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission.

Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit.

Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not read or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.
Product: Credit reporting or other personal consumer 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 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 or other personal consumer reports

I tried to dispute incorrect information on my profile with XXXX and equifax because my credit reports do not coincide with one another and also has inaccurate information. There are a bunch of hard inquiries on both reports that are not accurate and needs to be deleted. Under 15 U.S. Code 1681 I am fully entitled to a fair/accurate credit report and the bureaus have the obligation to provide the necessary documentation proving the accuracy of the items. Neither bureaus have fulfilled there obligation in providing that information. I managed to get rid of hard inquiries with XXXX that were inaccurate information but XXXX and equifax refused to assist with the situation.
Product: Credit card or prepaid card

I commonly get phone calls from " XXXX at Discover '' wanting to reach me before time is up to lower my credit card debt. I have a credit card, but have never had any affiliations with Discover
Product: Debt collection

Account was closed then did not get any notification that it was reopened and destroyed my credit in the same day I found out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to submit a formal complaint and dispute regarding inaccurate information on my credit report as provided by Equifax. Despite my initial contact with Equifax on XX/XX/XXXX, I have not received a response to date. In accordance with the Fair Credit Reporting Act, I kindly request your assistance in addressing this matter. 
The following discrepancies and required corrections pertain to my credit report : Account Name : XXXX XXXX  Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$460.00} I confirm that the aforementioned account was never late. The reported information is inaccurate, and I request that you correct this on my credit report accordingly. 
Account Name : XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$300.00} I confirm that the specified account was never late. The reported information is incorrect, and I request that you correct this on my credit report accordingly. 
Account Name : XXXX  Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$600.00} I confirm that the indicated account was never late. The reported information is incorrect, and I request that you correct this on my credit report accordingly. 
Account Name : XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$800.00} I confirm that the specified account was never late. The reported information is inaccurate, and I request that you correct this on my credit report accordingly. 
Account Name : XXXX  XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$460.00} I assert that the account mentioned above is not mine. The reported information is incorrect, and I request that you remove it from my credit report. 
Account Name : XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$2600.00} I confirm that the specified account is not mine. The reported information is inaccurate, and I request that you remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this debt with XXXX XXXX XXXX XXXX ( PRA ) with no resolution. I sent a certified validation letter on XX/XX/18 in regards to this collections being reported on my credit report. I respectfully requested a validation in which I have the right to request due to the debt you say I owe under the pursuant to 15 USC 1692g Sec 809 ( b ) of the FDCPA. I received a letter stating that this account number xxxxxxxxxxxxxxxx was sold to Portfolio Recovery Associates ( PRA ) and the time of the sale the Seller provided an electronic file, a summary of information sent in the electronic file and a bill in the amount of {$5100.00} which does not constitute validation. I sent another certified validation letter on XX/XX/18 and in return they sent the same letter as the first time. 
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 I Also need to know what information was sent to the credit bureau to validate the XXXX. I have no contractual obligation with this company but yet they continue to report to all three credit bureaus in which is unlawful being that they failed to validate the debt. This debt constitutes defamation of character, as negative listing on my credit. I requesting they provide me with evidence that I have any legal obligation to pay or promptly delete all information from my credit file which can not be validated.
Product: Checking or savings account

some went in and to my security box illegal twice at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX. My box number is XXXX my name XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. My wanted XXXX  XXXX XXXX XXXX XXXX and her XXXX XXXX ex veteran brother XXXX XXXX XXXX who loves to flashing fake law enforcement badges are being behind this or one there friends. Please email or mail the complaint forms. I also call contact the Texas states Attorney General. Please the wanted fugitives love call places thousands of times trying stop and cancel my complaints claiming to be me over the phone or write Letters using my stolen identification cards one from XXXX XXXX XXXX XXXX Massachusetts another from XXXX XXXX XXXX XXXX TX my apartment was broken in twice the my spare from my safety security box.
Product: Vehicle loan or lease

For XXXX XXXX XXXX loan. 
Alaska USA Federal Credit Union. 

I called XXXX to get a payoff amount to pay it off. Person gave me an amount but I could not pay it via XXXX their payment system and she said she would do it. She gave me amount of XXXX. She said it was more than today 's amount owing because it would take a few days to process. I said OK. 

XXXX I called again because nothing taken from my bank account for payment. i was told the previous person " screwed up '' and it wasn't processed. They then said they would process the amount which at that time was now reported as XXXX by employee # XXXX XXXX. Request # XXXX XXXX Still nothing taken from my account. Spoke to XXXX, employee # XXXX. She assured me she'd take care of it and also it would be the proper payoff of XXXX. 
On XXXX the amount of XXXX was taken from my account. However, now my account is open and showing {$26.00} due by XXXX. Therefore, my car not paid off and not reported as paid. i have no title to the vehicle either. They planning on holding my title now until more money than previous balance paid or XXXX? this is absurd. 

I have tried calling them a total of 6 times to straighten this out. Everytime I get the runaround and empty promises. I want this showing paid off and my car title as I am entitled to!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently completed a 26 month lease term 2 months of which were an approved lease extension. I learned as of XXXX that since XXXX. GM had my lease account listed as a total loss. I continued to make payments on time throughout these months due to me being unaware as my vehicle was NOT a total loss. Im the midst of this madness GM had not reported a payment to XXXX since XX/XX/XXXX and XXXX since XX/XX/XXXX. Once the vehicle was returned and the total loss issue was resolved after numerous phones calls, Gm then decide to update their monthly reporting with an incorrect balance. My lease was up as of XX/XX/XXXX but according to my XXXX and XXXX reports, I have not yet fulfilled my lease agreement! TransUnion is showing only 42 % of the balance and term have been completed and XXXX is showing something completely different. I contacted GM where I spoke with both reps and supervisors regarding this issue. The reps tried to tell me that the $ XXXX balance on my credit report were end of lease fees and unpaid balances. I advised her I could send her my payment history ( as o knew she had right in front of her ) to show her this was not right. I spoke with a supervisor who confirmed my end of lease invoice had not yet been generated which confirmed that this balance was not from those fees especially when the 2 reporting agencies have 2 different balances. I have since gotten a new vehicle from a different lender because I want to stir clear from GM. However, according to 2 of the 3 major credit reporting agencies, I have now 2 car loans that I am making installment payments on which aid affecting my credit worthiness due to debt to income ratio issues. The supervisor I spoke placed me on hold for an excess of 25 minutes, came back to the line and advised he now understood my issue and that a rep from the reporting department would contact me within 48 hours. It is now 10 days later and I have not received a call or update. I refuse to call customer service because I never get anywhere and the reps and sups are ALL unprofessional.
Product: Money transfer, virtual currency, or money service

Subject : Asking a help for finding US {$40000.00} Dear President of CFPB & US Bank, My name is XXXX XXXX, XXXX XXXX, Female. 

I am asking a help for finding my money US {$40000.00}. 

My account information is as the following ; Account Name : XXXX XXXX ( SSN-XXXX  ) Saving account : XXXX Checking account : XXXX I transfered my money {$40000.00} from account of US Bank at XXXX downtown to XXXX XXXX XXXX ( XXXX ) which mergered with XXXX XXXX. 

New bank name is XXXX XXXX XXXX. 

Account number of remitment was XXXX ( KEB ) After all, the account number doesn't exist any more. 

Current my account number is XXXX, XXXX XXXX XXXX, XXXX XXXX. 

The money came from that I remittanced the money from XXXX XXXX my account at XXXX after I traded out some stocks to my accounts of US Bank. 

But the money disapeared away in the air. 

The story what I was taken out of US ; I am an XXXX XXXX in University of XXXX  at XXXX ( XXXX ). 

There was a misstake for ragistering classes between me and XXXX. 

I registered classes for spring semester XXXX, but somebody deleted it. 

As a result, I was XXXX  by two police men of XXXX as illegal XXXX. 

And I was taken out of america after I was XXXX XXXX XXXX for 6~7months in XXXX. 

I got back to XXXX the end of XXXX, XXXX. 

I've gotten an " XXXX '' partially as I got lots of shocks by the horrible circumstance in XXXX. 

So far, because of that I couldn't remember about that. 

Please help me for finding my money as soon as you can, then I'd really appreciate it. 

Thanks for your cooperation. 

Best regards, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. 

Cell : ( XXXX ) XXXX email : XXXX XXXX
Product: Mortgage

I was told that my mortgage was denied because I missed a few months payments on a loan of about {$2000.00} because I was unemployed at that time 7 years prior. The loan was paid in full and my credtit was great across the board. They also denied my appeal when I stated the reason and provided documentation that all of my student loans were in good standing. I also applied for a credit limit increase months prior but was told I reached the credit limit Navy federal was able to provide account holders at {$2000.00}. Yes, only XXXX XXXXXXXX XXXX. This flat out LIE on top of my mortgage denial feels racially motivated and discriminatory. 

See email sent to XXXX on XX/XX/XXXX regarding denial below : Per our conversation, you informed me that the principal reason for denial was because of the history on a micro-loans I had with another lender probably a good 7 years prior. At the time of those loans defaulting, I was no more than XXXX XXXX XXXX and had lost my job so I was unable to make on time payments. Fortunately, I was able to find the means to pay ALL of the balances in full within the same year. Since then I have had 100 % payment history across my entire credit profile with the exception of my student loans which hadn't been updated at the time I submitted this application, but as of today they are all in forbearance until XX/XX/XXXX ( See attached document from loan servicer ). Any inquiries on my credit profile are a clear indication of my ongoing effort to ask you, or any other lender for higher limits and credit lines in general just to reflect that I am a responsible and have vision for my future with that particular financial institution. I have low if not a XXXX balance on my credit cards including the one I hold at NFCU. With all of this in mind, I feel it is unfair to deny me the opportunity to purchase a home when I have done nothing but try to build a solid, long standing relationship with Navy Federal. Also, I ask that the underwriting department keeps in mind that I am a licensed agent making me very familiar with the bouts home ownership in general, fair housing laws, and of course the closing process in general. I say that to say you can rest assured this will be a smooth transaction.
Product: Debt collection

On XX/XX/XXXX received an unsolicited and unauthorized email from XXXX XXXX XXXX claiming I owed a debt from XXXX. I replied to that email asking for a cease and desist and fraud handling. I also asked for no further calls, emails or letters. This debt is also past the statue of limitations and whatever the original creditor was, as they are now out of business, sold this alleged debt. 
On XX/XX/XXXX I received a letter from the same company violating the cease and desist that I gave in writing. When I called to ask why XXXX and XXXX could not help or tell me why this letter was sent and could not give me information to contact their legal counsel, consumer advocates or any other department that could review this. I was told if I wanted to know then I would have to remove the cease and desist.
Product: Mortgage

I 've been through a bankruptcy. My were debt were discharged in XXXX. Among them is this mortgage. I want Green Tree to do a Deed in Liu. I have made XXXX attempts. They have requested numerous documents which I have provided. The first time they told me they were closing my request for a deed in liu and that I had to evict the tenant presently in the house. So I started the process again. Sent all the ducuments again and asked my lawyer to help me evict the tenant. This process has begun. We gave the tenant 30 days notice as is required. The tenant was served this notice. Next month it will go to court if the tenant does n't vacate. Today I was informed by Green Tree that they were again closing my request for a deed in liu since the tenant is not yet out. 

Well since I 've been through a bankruptcy in XXXX and I 've begun my fresh start, I 'm not willing to compromise my private documents yet again for a XXXX time. I do n't see why Green Tree ca n't keep my request active until my attorney is able to get the tenant removed. I 'm not willing to go through the document sharing process again. 

In addition, the forclosure process in NY takes two years. I 'm trying to speed up the process with a deed in liu. The bank is n't willing to work with me. 

What do I want? Just keep my deed in liu request active until the the tenant is out and the deed in liu can occur. Asking for these docuements after a bankruptcy seems unreasonable to begin with. Asking for them XXXX times does n't seem to me appropriate at all. I just want to the bank to take the house.
Product: Checking or savings account

Complaint resolved About my account of XXXX and the XXXX payment.
Product: Debt collection

I received a letter today stated that I owed Bank of America some money on the unexisted account I have closed long time ago. They insisted to pay by mail back to XXXX XXXX XXXX, XXXX, DE XXXX or by phone number XXXX XXXX XXXX, or online at XXXX
Product: Credit reporting or other personal consumer reports

This account is written as a charge off however I never received a 1099 cancellation of debt form and because of that this account is inaccurate and needs to be removed.
Product: Debt collection

I had a car that was repossessed in Texas on XX/XX/XXXX I had no idea they went to court and received a judgement against me I only found out when we went to refinance my home. I called levy and associates to get more information as to why they had a judgement since I didnt know who they were XXXX the only agent who handles Texas calls was indifferent at best I have called multiple times and of the 20 or so calls Ive only received 2 calls back and the manager never called me back also now the have XXXX shed my account when I initially called them to advise them I am XXXX and needed information on how to try and get this debt released. So when I called the attorney generals office to file a complaint the informed me that this agency doesnt even have a surety bond that is current to do business in this state. I also went to the courthouse and they also never showed up in court they just received a summary judgement so I wanted to know was any of this handled correctly and also can they enforce a judgement when I was never notified? Also since they never notified me of the judgement they are asking for XXXX due to interest that I had no idea was accruing I only paid XXXX for the car in XXXX please make this make sense
Product: Debt collection

I notice that I have some errors in my credit reports and it keeps me annoyed, I want you to remove this fraudulent account asap. 
XXXX XXXX XXXX XXXX  Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX balance is {$6800.00}, and account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to the 3 National Credit Bureaus and they submitted it to the lender incorrectly. I submiitted a dispute because Im an Identity Theft victim. The following account was fraudulently opened in my name : World Finance Co. 
Opened : XX/XX/XXXX ( Amount : {$330.00} ) World Acceptance Co. 
Opened : XX/XX/XXXX ( Amount {$330.00} ) Note : They are the same account. 

The following accounts in which I DID NOT dispute, were put under investigation, even though they belongs to me and I have never ask them to dispute these accounts. If you review the Fraud packet Im sending you, you will clearly see what accounts I disputed. The following accounts belongs to me and should have never been put under investigation : World Finance Co Opened : XX/XX/XXXX ( Amount. {$220.00} ) World Finance Co. 
Opened Date : XX/XX/XXXX ( Amount. {$220.00} ) World Acceptance Co. 
Date Opened : XX/XX/XXXX ( Amount. {$220.00} ) I don't believe it was intentionally done, but I would like the problem rectified.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud