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

I am a victim of identity theft and these damages are a defamation of my character. 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 XXXX business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft. Please delete these items IMMEDIATELY. These account should not be furnished on my consumer report as they are in VIOLATION!!!! Under, 15 U.S. Code 161b- Permissible purposes of consumer report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENETITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. XXXX XXXX XXXX XXXX  Secured Loan Original Amount : {$15000.00} Current Balance : XXXX Portfolio balance {$650.00} XXXX XXXX  Original Balance {$1000.00} Current Balance {$1000.00} Local Government Original Balance : {$500.00} XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ATTACHMENTS XXXX ( XXXX MB ) FTC XXXX ( XXXX KB ) XXXX ( XXXX KB
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with In accordance with the Fair Credit Reporting Act the Lender XXXX XXXXXXXX XXXX, has violated my rights. After disputing the late payments with XXXX XXXX XXXXXXXX their investigation concluded that the 3 credit bureaus ( Transunion, XXXX, XXXX ) are the only ones that need to remove late payments not their mortgage company. They simply said they can't do anything to change the late payments being reflected. Under the CARES ACT during my forbearance period late payments and negative remarks are not supposed to be reported as late payments they should be reported differently so they won't affect my credit history. 

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 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

What Happened : I am requesting assistance in removing XXXX negative XXXX XXXX accounts from my credit report. These items are currently affecting XXXX of my XXXX credit reports, despite having already been removed from the third report. 

Dates & Details : I noticed that these XXXX XXXX XXXX accounts were reported negatively on my credit reports with TransUnion and XXXX. 
I filed disputes with both bureaus on XX/XX/XXXX and received responses stating the negative items would remain. 

Actions Taken : I successfully had the items removed from XXXX after a separate dispute on XX/XX/XXXX. 
Following the first dispute denial, I submitted additional disputes and requests for verification on XX/XX/XXXX, but my requests were again denied without sufficient explanation. 
I also attempted to work directly with XXXX XXXX for a goodwill adjustment but received no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep getting told that I will received a reinvestigation if my dispute of XXXX XXXX from Transunion but they have not and wont reinvestigate like Ive told they will and have not been helped in trying to resolve my issue.
Product: Debt collection

I have had government medical insurance and have not needed to pay for any medical services for the past ten years. This could be a mix-up between my father and my credit, since we have the same name, except I am a XXXX.
Product: Credit reporting or other personal consumer reports

This communication is in reference to my LexisNexis Accurint Report dated XX/XX/, Consumer Number XXXX, Case Number XXXX. This communication shall serve as my formal written notice to LexisNexis that my LexisNexis Accurint Report contains numerous inaccuracies. Additionally, this communication shall serve as my formal written request for LexisNexis to remove the inaccuracies that I have identified in my LexisNexis Accurint Report. The items in dispute are the Incorrect Employers that LexisNexis Accurint is reporting on my LexisNexis Accurint Report ( See attached XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ). This is my third notice to LexisNexis regarding the Incorrect Employers that they are reporting on my LexisNexis Accurint Report. This information is inaccurate because I have NEVER been employed by either of these entities and I have NEVER been associated with either of these entities. I kindly request that LexisNexis promptly rectify the inaccuracies that I have identified in my LexisNexis Accurint Report.
Product: Debt collection

I contacted this company on XX/XX/2022, and made a payment in the amount of {$2000.00} out of {$2600.00}. I was advised that a wage garnishment had already been sent to my employer however the balance would be updated accordingly. TO DATE, my employer has sent {$1400.00}. XXXX payment of {$460.00}, {$470.00} and {$480.00}. This is more than the balance owed. They are illegal charging me daily interest on a balance that is paid.
Product: Credit reporting or other personal consumer reports

I am REWRITING to complaint to USAA FEDERAL SAVINGS BANK about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX, and my name is XXXX XXXX XXXX XXXX My birthdate is XXXX The FTC report number related with this complaint is XXXXI have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violatons : 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, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX PRIVATE XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX PR XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX CHANCE XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX IH XXXX XXXX, TX XXXX SINGLE FAMILY
Product: Prepaid card

XXXX {$1000.00} XXXXgift card Called and requested help with linking the XXXX-gift card to my XXXX XXXX because it was not allowing me to do so myself. Also, called with concerns regarding all of my purchases I tried to make with the XXXXgift getting declined. Issue was not and is still not resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom This May Concern : Upon reviewing my Transunion account it looks as if I have a LOT of inquires that DO NOT belong to me on my account. I even have some that show up at multiple dates. I mailed a Multiple Inquiry removal letter on  XXXX   XXXX ,  XXXX  by certified mail in order to dispute information, in regards to  XXXX  inquires, that is being reported on my credit report. They received the letter on  XXXX   XXXX ,  XXXX  and they completed the request on  XXXX   XXXX ,  XXXX .   The request that I submitted included  XXXX  inquires that were not factual and I received the same response for All inquiries, which was  XXXX  are a factual record of file access. If you believe this was unauthorized, please contact the creditor.   I would like for the below inquires to be deleted.     XXXX   XXXX    XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX  and  XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX  ;  XX/XX/XXXX  ;  XX/XX/XXXX   XXXX   XX/XX/XXXX  ;  XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX   XX/XX/XXXX  ;  XX/XX/XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX  ;  XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX  ;  XX/XX/XXXX  ;  XX/XX/XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX    XXXX    XX/XX/XXXX    XXXX   XXXX     XX/XX/XXXX    XXXX    XXXX   XX/XX/XXXX  According to the FCRA Rules, FCRA  623 ( b ) ( 2 ) and 611 (   a )  ( 1 ) , it states that any information can be disputed and MUST be investigated and if you do not investigate ANS respond, the CRA must delete the disputed information from its files.   The fact that I received a response 4 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquires on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into the original dispute for hard inquires that does not belong to me, I did not sign for anything.   This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.   Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : I am writing to alert you that I have been the victim of identity theft, and that my personal financial information has been used without my agreement or knowledge to acquire credit, products, and/or services on the above-mentioned account. I am asking contact from you releasing me from liability for this debt and informing credit reporting bureaus and collection agencies of this fact. Thank you in advance for your consideration of this issue.
Product: Credit reporting or other personal consumer reports

This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXX XXXX XXXX XXXX {$410.00} XXXX  XXXX XXXX {$390.00} XXXX XXXX XXXX These credit accounts and collections are the results of identity theft and fraud.
Product: Checking or savings account

My bank put a flag on my account for security reasoning and after verification, a hold was placed on a state funded unemployment check. I no longer have access to the funds I depend on to afford my daily expenses. The reasoning I was given by XXXX in Customer Protections is she isnt sure if the check would clear. Is there any assistance you can provide?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX failed in the electronic funds transfer that has been in place for over 24 months at the time of origination. I had made Principle only payment on XX/XX/XXXX and again on XX/XX/XXXX. The customer service representative did something wrong and my EFTs stopped. I was unaware of the problem until I received a Late payment notice. 
Monthly Payments - {$500.00} I called and spoke to XXXX XXXX in Loan servicing about the problem., and he assured me that the problem was corrected. 

In XX/XX/XXXX I received another Late payment for being late for two months.

I again called and spent 2 hours trying to resolve my issue. 
After trying to reestablish my EFT, it was determined that my account was frozen and the only way to become current was to send in via a check payment. 
The stated reason was that XXXX IT systems were not sync and an upgrade caused the EFT to stop. 
The resolution that XXXX XXXX am I worked out was to pay off the entire loan. 
The Loan was paid off via an EFT - XXXX. 

The title has been received. 


When I paid off the loan XXXX XXXX again assured me that my credit would not be impacted. 
I check my XX/XX/XXXX Credit score and it was XXXX. The Credit Score in XX/XX/XXXX is now XXXX. 

I have an escalation pending with XXXX XXXX I opened the escalation on XX/XX/XXXX. 
XXXX XXXX XXXX, VP is the representative XXXX XX/XX/24 Called XXXX - XXXX XXXX about the credit report. 
He could not open my escalation file. 
Had me call XXXX the main XXXX XXXX number Been on hold for 20 minutes while going through VRI system to get to Escalation department. 

Spoke to XXXX XXXX XXXX - she was out for XXXX from XX/XX/XXXX to XX/XX/XXXX. 
She said a letter was send stating my credit was negatively impacted. I did not get the letter through USPS. 
Requested that the letter be emailed to me. 
Requested the name of her boss for further escalation - XXXX XXXX - XXXX
Product: Credit card or prepaid card

I have been call and writing Serve by AMEX for almost one year about unauthorized charges on my account. They are rude and constantly hang up. The following transactions were unauthorized : XX/XX/2021 - XXXX XXXX {$72.00} XX/XX/2021- XXXX XXXX {$36.00} XX/XX/2021- XXXX XXXX {$35.00}
Product: Credit reporting or other personal consumer reports

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 , reporting 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 a installment account opened at XXXX XXXX XXXX XXXX XXXX, XXXX under the account number XXXX, an auto loan account opened at XXXX on XXXX XXXX, XXXX under the account number XXXX, a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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.
Product: Debt collection

I received a mail from Maury Cobb Attorney At Law LLC on XXXX XX/XX/2019. It was regarding a debt that I never had with the XXXX service. Most importantly, they had my contact information including my last 4 digits of my SSN. They were sending me mails very often that I was kinda having privacy harrassed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX DOB : XX/XX/year> TransUnion : XXXX XXXX XXXX, XXXX, PA XXXX RE XXXX Correction to my personal information Dear Transunion, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. Please remove the following incorrect address. 


Wrong address : XXXX XXXX XXXX XXXX, FL XXXX
Product: Mortgage

Failure to provide written response within 30 days to a request to remove PMI. 
I sent a letter with supporting documentation to LoanCare by certified return receipt mail that was delivered on XX/XX/2019 to the company. I received a letter dated XX/XX/19 stating that I would receive a response within 30 days of LoanCare receiving my letter on XX/XX/19. Today is XX/XX/19 and the company has failed to respond within the required timeframe. 

I have tried to call their mortgage resolution department at XXXX during business hours numerous times, leaving a message each time asking for someone to call me with no response. 
Original loan : {$230000.00} Current balance : {$130000.00} 10+yrs and I can't seem to get them to drop the PMI. The loan balance has been well under the 80 % loan to value mark for many years. I'm tired of paying $ 80+ per month for PMI. 
Please help! 

Thanks, XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XXXX, I mailed a check ( # XXXX ) payable to XXXX XXXX for {$2400.00}. The check was cashed on XXXX, but never applied to my XXXX account. The check was mailed to the XXXX Credit card center, XXXX XXXX XXXX, XXXXXXXX XXXX 

Upon checking with my bank, XXXX, they show the check cashed XXXX, the stamp on the back of the check is as follows : Payee endorsement guaranteed consumer credit card XXXX XXXX XXXX. 
XXXX XXXX XXXX Bank XXXX XXXX XXXX MN ( XXXX ). 
I have a copy of the cashed check. 

I have been working with my bank, XXXX, XXXX and US Bank trying to locate what happened with the funds. XXXX stated that they needed an Affidavit of Non receipt from XXXX XXXX, but they will not provide one and US Bank would not give me any information over the phone but did state that I could go to a local branch and they could look it up. Only problem with that is that I live in XXXX and there are no US Bank branch in XXXX, only the XXXX XXXX. 

Today XXXX i was advised by the XXXXt Executive Service Department, to open a case with You.
Product: Credit reporting or other personal consumer reports

New credit account please update My creditor reports are lacking pertinent new accounts and total credit available which dramatically changes my score. Please quickly update my reports.
Product: Credit reporting or other personal consumer reports

My dispute was mailed to EXPERIAN and delivered on XX/XX/year>. Despite clear instructions to delete specific accounts, EXPERIAN failed to remove them. Today, I contacted EXPERIAN, and the conversation was recorded. During the call, a representative confirmed receipt of my certified letter on XX/XX/year>, but also acknowledged that no investigation has been initiated. 
I reminded the representative that under U.S. Code 1681i, EXPERIAN is required to complete an investigation within 30 days of receiving a dispute, a timeframe which has clearly been exceeded. Additionally, I received no communication within the legally mandated 5-day period confirming that my request was being processed.

Given this complete lack of response, I am demanding the immediate removal of the negative accounts, per the instructions in my letter.

Furthermore, under 5 U.S. Code 6802, which restricts disclosure of personal information, I did not authorize any third-party company to report inaccurate accounts on my credit report. Experian did mention they were not affiliated with any third party company.
Product: Credit reporting or other personal consumer reports

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

Account Name : 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 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
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, someone fraudulently opened a loan to purchase a phone from XXXX at a XXXX XXXX in XXXX, XXXX  using TD Bank. Months later in XX/XX/XXXX I noticed this on my credit report and called XXXX to dispute the fraud. They closed the fraud case saying that they believe it was not Fraud. I live in XXXX, XXXX  and was not even near XXXX  when this happened. I appealed my case and they then again closed my case thinking it was not fraud. I then learned in XX/XX/XXXX, from my credit report the loan was actually opened with TD RCS ( Retail Card Services )XXXX  On XX/XX/XXXX, I filed a police report with the City of XXXX and contacted TD RCS  to dispute the fraud. They sent me a letter in the mail that I had to sign and returned. I made these actions and I still, in XX/XX/XXXX, have not been able to get them to provide a status and update to my credit report. This has hurt me significantly as it brought down my credit score over XXXX points and I have not been able to get a mortgage loan or make any updates to my credit. I'm trying to close on a house in XXXX and I have to have this removed from my credit but TD RCS is not being fair and taking care of their mistake.