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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 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 : 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 inquiries in my report and Equifax 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, please help me immediately delete these inquiries. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

I submitted to the three credit bureaus to amend this suspicious information. I believe you did not validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I want to sue you. This was also included in my last COMPLAINT, and I'm repeating it. XXXXDEPT OF ED XXXX Balance : {$3300.00} ; XXXX/DEPT OF ED XXXX XXXX : {$1900.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00}.
Product: Credit reporting or other personal consumer reports

To anyone who can assist me at the CFPB, I hope this message finds you well. I'm writing to share my concerns about the unresolved issues with my credit report. Back on XX/XX/year>, I took the step of sending a formal letter addressing several inaccuracies and unknown inquiries that have been haunting my credit profile. Sadly, despite waiting patiently for over 52 days, I haven't received any acknowledgment or resolution from the credit bureaus. 

This prolonged silence has left me feeling frustrated and a bit lost. These inaccuracies aren't just numbers on a report ; they're affecting my everyday life. I've noticed several collections on my credit report reporting inaccurately, leading to denials for essential services and unfair increases in interest rates. The impact isn't just financial ; it's taking a toll on my dreams of buying a home and growing my business, responsibilities I hold dear as the primary provider for my family. 

I've done everything I can to address these issues, diligently disputing accounts and inquiries. However, despite my efforts, I haven't received any substantial evidence for their verification. It's disheartening to see Section 611 ( a ) of the Fair Credit Reporting Act overlooked, which mandates the removal of items not investigated within 30 days. Given that it's been over 52 days without any resolution, I feel compelled to demand the immediate deletion of these erroneous accounts to restore the accuracy of my credit profile. 

Beyond my personal situation, I'm deeply concerned about the broader implications of these inaccuracies. Maintaining accurate consumer reports isn't just about me ; it's crucial for the health of our economy. This negligence erodes consumer confidence and slows down economic progress. As a responsible consumer, I believe in the importance of timely and accurate reporting, and I trust that you share this belief. 

I'm reaching out with hope and a firm belief in your commitment to consumer rights. I urge the credit bureaus to take swift action to rectify these issues and remove the inaccurate accounts from my credit report. Failing to do so will leave me with no choice but to explore legal options to address the stress and hardship caused by their negligence. 

Thank you for taking the time to listen to my concerns. I'm optimistic about a swift and satisfactory resolution that upholds the integrity of the credit reporting system and protects consumer rights. 

Warm regards,
Product: Credit reporting or other personal consumer reports

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 

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 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 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 XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

After several emails and phone calls, Caliber home loans gave me a SPOC to speak to only 1 representative to get my account straight. The extension they gave me was XXXX and XXXX was my Singe point of contact,, After being disconnected twice, XXXX employee number XXXX answered the call.. He did not know of any XXXX working that day. I have asked numerous times how many payments did I make during XXXX XXXX. Simple question, but nobody will give me answer, because the loan was transferred several times. I was behind on payments and to avoid foreclosure, I paid in excess of {$62000.00} in XXXX 2016. According to Caliber I was XXXX payments behind, but I never received credit for the payments I made.
Product: Credit reporting or other personal consumer reports

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax

Data Breach here Is proof. I was a victim of Identity Th
eft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. 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, not later than 4 business days after the date of receipt by such agency of ( 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. 

The following items need to be removed and blocked as they are fraudulent. 

1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX Account Number : XXXX Delete this account. 

3. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

There are changes being reported after 180 days after the account has been charged off. This is inaccurate reporting of the account and it is hurting my ability to obtain credit. I am demanding a deletion of the of the following account. XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

Number used is XXXX. They reference file # XXXX. They even have my home address. However, they are looking for a XXXX XXXX XXXX I am XXXX XXXX XXXX XXXX Debt agencies have been after this XXXX XXXX XXXX ( who apparently lives or lived at one point in XXXX XXXX  ). The tough part is that he and I apparently share the same last 4 digits of our SS #. So I give them my first 3 digits, and that usually solves the issue. If not, then they ask for DOB and I give it as XXXX XXXX XXXX does not share my same DOB. I provided BOTH to the person at the above number, and they accused me of lying to them about who I am. They wanted me to send them a copy of my driver 's license to prove I am who I say I am. I told them that the information I provided was more than sufficient to prove I am not XXXX XXXX XXXX. The gentleman then started threatening me with his legal department, and I accused him of harassing an innocent individual. He hung up on me and did not finish the conversation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 a letter from XXXX XXXX which holds my Home Equity Line of Credit was sent to me saying that my funds were no longer available due to a report to the credit agency XXXX. I went to withdraw money for home improvements on XX/XX/XXXX, however I had not opened the letter from the bank at that time. I was denied access to my loan. I came home checked my credit report and there was a collection notice from Pro Collect Inc. of XXXX Texas in the amount of {$1000.00}. This amount is related to a judgement for a relative with the same last name and address as mine. Pro Collect has no documentation of any judgement against me because there isn't any. The amount matches the judgement amount for my relative. I called Pro Collect on XX/XX/18 and they refused to work with me. I have sent them a certified letter on XX/XX/18 telling them to remove this false report on my credit. I have also sent letters to all the credit reporting agencies on the same date. I made a dispute online with the credit agencies on XX/XX/18.
Product: Debt collection

I was contacted XX/XX/XXXX by an attorney working on behalf of Military Credit Services stating that I had a judgement entered against me in XXXX in XXXX, Virginia. Upon research appears this was common practice of Military Credit Services ( aka Freedom Stores ) that affected members of the military. During the time of the loan in question I was stationed at XXXX XXXX, NC. Though I have no recollection of visiting these stores, it is entirely possible that I purchased something from such a location. 

The attorney went further to explain they would not enforce a garnishment but would proceed to put a lien on my home if I failed to pay. He also informed me of an interest rate of 19.96 % having been entered during the judgement and relayed that over {$2000.00} had accumulated in the nearly 10 years of this judgement being entered. This account had went from around {$1300.00} to about {$3300.00} in the time since judgement. I had never been served during this time period and was unaware of such activity taking place without my right to dispute or appear in court. 

From subsequent research I was able to find that many of these claims were set aside or refunded, as they showed lack of proper process in notification. This issue has apparently eluded XXXX and XXXX XXXX ( the attorney that has reinstated the adverse credit items on my report and contacted me for collection ).
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB Write up n accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Credit report from XXXX through XXXX XXXX shows a hard inquiry on XX/XX/2018, which I never did nor did I authorize other person to do. Creditor 's name is XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX ) XXXX. 

My credit score went down by 11/12 points. Please help as it's hard to dispute things using credit bureau 's websites.
Product: Credit reporting or other personal consumer reports

I was completely blindsided this morning when I saw inaccurate accounts on my credit report, and I dont know how they appeared. I check my credit report regularly, and this time, there were errors Ive never seen before. I even refreshed the page to make sure it wasnt a glitch, but the inaccurate accounts were still there. Im requesting a thorough review of the documents Ive sent to ensure I dont have to deal with this again.
Product: Vehicle loan or lease

I leased a vehicle through US Bank. The lease ended in XXXX of XXXX and I opted to purchase the vehicle from US Bank. On XX/XX/XXXX, I sent US Bank a cashier 's check for the full {$22000.00} purchase price of the vehicle that I was quoted. {$1200.00} of the full {$22000.00} purchase price was listed in my itemized quote as the sales tax collected by US Bank for the sale of the vehicle. Approximately two weeks after I mailed the full payment check, US Bank mailed me the documents necessary to transfer the title of the vehicle. Included in the documentation I received was a cashier 's check from US Bank in the amount of {$1200.00} to be used to make the sales tax payment during the title transfer. While transferring the title at the XXXX XXXX XXXX on XX/XX/XXXX, I was informed that the {$1200.00} check from US Bank was made out to the wrong entity and could not be used as payment for the applicable sales tax for the title transfer. At this point I paid for the sales tax on my credit card, completed the title transfer transaction, and destroyed the now useless check from US Bank. I have called US Bank customer service several times over the past 8 weeks to request reimbursement for the {$1200.00} sales tax, but I have been completely ignored after each call. I keep getting told to call back in a few days to check on the status of the check issuance, but no action by US Bank is actually taking place. I've been consistently assured that status updates will be provided, but no status updates have been provided by US Bank. I've paid the sale tax for my vehicle twice over at this point due to US Bank 's cashier 's check error. I am turning to the CFPB to help me escalate this issue with US Bank so that I may finally receive my long overdue reimbursement.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX showed paid XX/XX/year> ; XXXX  ( not my lender per their correspondence inaccurately reported my payment as late, if you are not my lender you can not claim my payment as late and report it as late ). Remove it from Credit Bureau XXXX, Equifax, XXXX as late. 

XXXX XXXX XXXX XXXX XXXX showed paid XX/XX/year> ; XXXX  ( not my lender per their correspondence inaccurately reported my payment as late, if you are not my lender you can not claim my payment as late and report it as late ). Remove it from Credit Bureau XXXX, Equifax, XXXX as late. 

XXXX XXXX XXXX XXXX XXXX  showed paid XX/XX/year> ; XXXX  ( not my lender per their correspondence inaccurately reported my payment as late, if you are not my lender you can not claim my payment as late and report it as late ). Remove it from Credit Bureau XXXX, Equifax, XXXX as late. 

XXXX XXXX XXXX XXXX showed paid XX/XX/year> ; XXXX  ( not my lender per their correspondence inaccurately reported my payment as late, if you are not my lender you can not claim my payment as late and report it as late ). Remove it from Credit Bureau XXXX, Equifax, XXXX as late. 

XXXX XXXX XXXX XXXX XXXX  showed paid XX/XX/year> ; XXXX  ( not my lender per their correspondence inaccurately reported my payment as late, if you are not my lender you can not claim my payment as late and report it as late ). Remove it from Credit Bureau XXXX, Equifax, XXXX as late. 

XXXX XXXX XXXX XXXX XXXX showed paid XX/XX/year> ; XXXX  ( not my lender per their correspondence inaccurately reported my payment as late, if you are not my lender you can not claim my payment as late and report it as late ). Remove it from Credit Bureau XXXX, Equifax, XXXX as late.
Product: Credit reporting or other personal consumer reports

An unknown suspect has been using my identity and social security number without my permission. When I reviewed my credit report I observed several accounts that I did not apply for or authorized. 

I have filed a Police report and I am still unable to get these accounts removed. Please remove these fraudulent accounts from my report. In accordance with the fair credit reporting act XXXX Account numbers 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 States 2 : It also states a consumer reporting agency can not furnish a account without my permission without my written instructions. 

XXXX XXXX XXXXXXXX {$5900.00} XXXX XXXX  XXXX {$2200.00} XXXX XXXX XXXX {$260.00}
Product: Credit reporting or other personal consumer reports

Capital One is currently reporting late payments to the credit reporting agencies. In accordance with the fair credit reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
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. I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : ( ACCOUNT NAMES & NUMBERS ) XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly. 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 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 item of information, other than records of convictions of crimes, antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also, they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit card or prepaid card

In XX/XX/XXXX, I applied for a Capital One secured MasterCard and because it was secured, I had to deposit {$250.00}. The card was approved and few days after I applied, they took the {$250.00} money out of my account. I waited for the credit card to arrive in the mail and to this day, I have still not received the credit card. I am at my wit 's end and do not know how to get my money refunded. I have tried countless of times to resolve the issue with Capital One. I have called them and addressed them, they have asked me to identify myself and each time, it could not be done because their system is faulty. The last time I talked to them about sending me the credit card or a refund, they promised they would send me the card. I still don't have the Capital One credit card and they seem intent on fraudulently keeping my {$250.00}. That kind of practice seems unethical and I want either a card or a refund. I have proof that they charged me and I also have proof that I never received a card from them or at least never used it. I have put effort on my end to try to resolve the problem and they have done nothing for me every single time I contacted them. We're in XX/XX/XXXX and I applied for this Capital One secured credit card a year and about 7 months ago in XX/XX/XXXX and I hope to see a resolution soon.Thank you! 

Additional Info : While writing this complaint, I went and dug a bit on my credit history that is still fairly inaccessible since my history is fairly new and found out that Capital One closed this card themselves yet I never received a refund for the card I never got to use.Please help!
Product: Mortgage

Applied for a mortgage through Rocket Mortgage to purchase a home. I had an incorrect collection showing on my credit report. We discussed doing a rapid rescore to remove the incident. I then gave the company permission to rerun my credit ONLY when they got confirmation that the rescore was complete. Rocket Mortgage reran my credit, and tried to act like they did the rescore, however my score did not change. They then tried to sell me on the product, even though they agreed my score should be higher. I spoke with their credit team who apologized that it wasn't fixed, but " they got word XXXX completed my rescore. '' They then told me they would resubmit it. Not trusting that as being accurate, I contacted XXXX myself, who confirmed to me that Rocket Mortgage NEVER submitted my rapid rescore. Which means them rerunning my credit was fraudulent, and they straight lied to my face about XXXX not removing it when they asked.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX XXXXXXXX is reporting 2 accounts on my credit report. one saying Exceptional payment history. the second one is saying 36 charge off. which is inaccurate. please remove the second account off