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

I am writing to have a following information removed from my credit file, the items that i need deleted are going to be attached in a word document, I am a victim of identity theft. I have multiple accounts and inquires that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show my accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report, I would like these items deleted from my credit report as soon as possible. ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Section 603 Section 604 Section 605 Section 605A Section 605B Section 606 Section 607 Section 608 Section 609 Section 610 Section 611 Section 612 Section 613 Section 614 15 U.S.C. 1681 15 U.S.C. 1681a 15 U.S.C. 1681b 15 U.S.C. 1681c 15 U.S.C. 1681c-1 15 U.S.C. 1681c-2 15 U.S.C. 1681d 15 U.S.C. 1681e 15 U.S.C. 1681f 15 U.S.C. 1681g 15 U.S.C. 1681h 15 U.S.C. 1681i 15 U.S.C. 1681j 15 U.S.C. 1681k 15 U.S.C. 1681l Section 615 Section 616 Section 617 Section 618 Section 619 Section 620 Section 621 Section 622 Section 623 Section 624 Section 625 Section 626 Section 627 Section 628 Section 629 15 U.S.C. 1681m 15 U.S.C. 1681n 15 U.S.C. 1681o 15 U.S.C. 1681p 15 U.S.C. 1681q 15 U.S.C. 1681r 15 U.S.C. 1681s 15 U.S.C. 1681s-1 15 U.S.C. 1681s-2 15 U.S.C. 1681t 15 U.S.C. 1681u 15 U.S.C. 1681v 15 U.S.C. 1681w 15 U.S.C. 1681x 15 U.S.C. 1681y
Product: Vehicle loan or lease

I require the finance company 's assistance in facilitating the repair of my vehicle. Under XXXX Lemon Law, they are obligated to provide coverage. Please refer to the attached documents, which detail my prior correspondence with the Better Business Bureau regarding the dealership. I need my vehicle repaired at no cost, without hassle, and in an expedient manner. 

My vehicle broke down in XXXX, Illinois on Saturday XX/XX/XXXX at XXXX. Dropped off at XXXX XXXX XXXX at XXXX that same morning. 

Please refer to the recent complaint submitted to the XXXX XXXX XXXX XXXX XXXXXXXX XXXX and the XXXX XXXX. 

Company : XXXX XXXX XXXX XXXX Consumer : XXXX XXXX XXXX 

Account/Order/Tracking number : XXXX XXXX XXXXXXXX XXXX paid to business XXXX XXXX Desired settlement : Repair of vehicle ; Refund of down payment ; Replacement of vehicle. 

I am submitting a formal complaint against XXXX XXXX XXXX XXXX regarding their subpar customer service and unfair business practices, which contravene the Consumer Financial Protection Act ( CFPA ). Specifically, XXXX XXXX XXXX failed to implement timely and effective measures to prevent and address fraud on their platform, thereby leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, failed to reply to my communication ( via phone and email ) as they failed to comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XX/XX/XXXX This Credit Bureau XXXX : Request to Place a Security Freeze on Credit File Dear Sir/Madam I am writing to formally request that a security freeze be placed on my credit file immediately. Due to recent concerns, I believe that placing this freeze is the best way to protect my credit profile and prevent any unauthorized access to my personal information. 
Please find my personal information below to facilitate this request : Full Name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, Florida, XXXX Date of Birth : XX/XX/XXXX Additionally, I am enclosing a copy of my identification ( such as a drivers license or passport ) and proof of address ( like a utility bill or bank statement ) as per your requirements for identity verification. 
Please confirm once the freeze is in place or let me know if any additional information is needed. 
Thank you for your assistance and prompt attention to this matter. 
Sincerely, .. ( XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with XXXX at Transunion on XX/XX/2021 about the unauthorized inquiries that appears on my credit report I request the following inquires to be delete and removed off my transunion credit report : XXXX XXXX XXXX  XXXX I did not authorize any of this inquiry. I am requesting that all above unauthorized inquiries be removed immediately from my Transunion credit report due to my identity been stolen.
Product: Credit reporting or other personal consumer reports

It is sad to say that reporting agencies failed to verify information before reporting on consumer reports and violated consumer right every time, My credit report consist of information that i am not familiar with and i do not know why false account are being placed on my report which violate my right as a consumer, requirements relating to information contained on my consumer reports are not right according to the 15 U : S Code 1681c please remove the accounts listed because they are not mine. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Started getting letters from the debt collecting company for {$210.00} because I was supposed ly employed by a fake company called XXXX shipping last year where I was supposed to be shipping products to consumers through the United States Post office and also XXXX  now that I found out after 30 days of being employed was never paid for the position that I work for and I was cut off from all communication from fake company phone calls numbers website at the work but was never compensated now I'm coming to find out after almost a year that people are coming after me to pay for these packages that were sent out and never paid for through this fake company I was never paid I feel like it's unfair for me to have to pay out money to a company that is defrauding people through a legitimate website indeed where people are looking for work to support their families and pay their bills and this company is defrauding people setting up websites with these people and then making them work for 30 days with a promise of a check for the work and being cut off on that 30th day where you can not contact anyway this company is defrauding people besides myself and causing hardship to to honest people like myself and now are faced with debt collectors trying to collect money from us the people that was defrauded like we're criminals and the company is operating scaring good citizens of the United States there should be a law against people opening up companies and then scamming people employees out of their time and their money without any means to prove that this is all a mistake because I am the one that's the victim
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information on my reports which are causing financial harm to me and my family. These accounts are never late & I have sent out dispute to each of the three Credit Bureaus in an attempt to receive update of the following items. 

XXXX Account number : XXXX
Product: Credit reporting or other personal consumer reports

Subject : Seeking Financial Settlement and Damages for Inaccurate Information I am writing to formally address the issue of inaccurate information reported on my credit report, which has caused significant harm and distress. Despite my previous request for the removal of erroneous data resulting from the XXXX data breach, the inaccuracies remain uncorrected. As a victim of this breach, my information was illegally sold and bought, leading to the unauthorized accounts listed below being added to my credit report : - XXXX : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX : XXXX - XXXX XXXX : XXXX - XXXX XXXX  XXXX XXXX : XXXX - XXXX XXXX XXXX : XXXX - XXXX XXXX XXXX These inaccuracies have severely impacted my financial standing, credit score, and overall well-being. Despite XXXX 's admission of the breach and my documented evidence, no effective measures have been taken to resolve the issue. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681-1681x ), I am entitled to accurate and fair reporting. The continued presence of these inaccuracies on my credit report constitutes a violation of my rights under this Act. Consequently, I am seeking a financial settlement for the damages incurred, including but not limited to : XXXX. Emotional distress caused by the breach and its consequences. 
XXXX. Financial losses due to higher interest rates, denied credit applications, and other credit-related issues. 
XXXX. Any legal fees incurred while attempting to rectify this situation. 

I am requesting the immediate deletion of the aforementioned inaccurate accounts from my credit report and a financial settlement to compensate for the damages I have endured. I expect a response within 30 days from the date of this letter. Failure to address this issue promptly will compel me to pursue further legal action. 

Please find attached documentation proving my status as a victim of the XXXX data breach and the consequent inaccuracies on my credit report. 

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

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

RE : Incorrect mortgage 90-day late reporting XX/XX/XXXX on my credit reports which in forbearance I have a forbearance agreement dated XX/XX/XXXX for my XXXX XXXX loan # XXXX. 

It confirms my forbearance arrangement was from XX/XX/XXXX to XX/XX/XXXX and it states I am eligible to extend for up to 250 days. 

XXXX now is my servicer and they are reporting my mortgage since inception XX/XX/XXXX correctly so having XXXX report as another mortgage during these same dates makes it look as if I had two instead of one mortgage, in error.
Product: Credit card or prepaid card

XXXX XXXX Store card as of XX/XX/2018 is showing on my credit report as charged off with a high balance of {$1300.00}. However this account has been sold to a collection agency which is attempting to collect on debt. I understand there is a balance owed on this account but I have not come to an agreement with the collection agency until its clarified what it is that I owe. I don't recall me ever reaching my credit limit and they have increased a balance for interest which is beyond what I am able to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX  XXXX XXXX numerous amounts of times to clear fraudulent accounts off my credit report and have not gotten anywhere. They told me to submit my request directly with the 3 major credit bureaus. I have sent in 3 valid identity theft and police reports and still nothing has been done.
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan payments were always sent on time. I keep explaining this to Experian but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a mortgage with XXXX XXXXXXXX XXXX and XXXX. Both lenders pulled my credit multiple times. Each time plus more times. My credit was pulled a total b of 5 times. Each time Equifax miss merged another person 's social security, date of birth. Address and credit history with detailed accout information on my credit report. This persons debt is causing me to have a HIGH DEBT RATIO. causing me to be a risk at losing my mortgage approval and home. I've called Equifax every day since XX/XX/2021 to resolve the miss merged. Please help
Product: Credit reporting or other personal consumer reports

XX/XX/year> is the last date shows after everything wasnt paid this is incorrect
Product: Credit reporting or other personal consumer reports

This company has nonstop made negative report about mine. Has violation of FCRA and face fines and violations. They are not verified and giving consent my me physically and I have not been anywhere near their website. Please remove or my credit attorney will file suits.
Product: Checking or savings account

I opened a checking account at a branch with XXXX XXXX, XXXX, Senior Banker with a {$200.00} Cash Bonus Offer promotional code XXXX and met all requirements within the time required. On XX/XX/year>, XXXX XXXX sent a message to whatever department handles the bonus. I spoke with him again a week or so later. He told me to contact Research Dept. On XX/XX/year>, I spoke with XXXX at Customer Service. She told me that the bonus wasn't paid because of the account was a Trust account. When I corrected her that it wasn't, she said she would have the Research Department contact me. As of today, I haven't heard from anyone. When I call the branch, the call gets disconnected. Before opening the account, I asked XXXX if the account I was opening as a Representative Payee for my autistic son as him as a Primary would qualify for this bonus, and I was assured it was qualified. Even he could not understand why they were not paying the bonus. I heavily relied on this senior banker who has years of experience of opening these accounts and assured me of qualification. Bank of America owes me this bonus as I have met all required terms of the agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The listed accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. # XXXX, XXXX XXXX. 

# XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX False, deceptive, or misleading representations or means. ( 2 ) A debt collector must not falsely represent : ( i ) The character, amount, or legal status of any debt. ( ii ) Any services rendered, or compensation that may be lawfully received, by any debt collector for the collection of a debt.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( A ) Reporting information with actual knowledge of errors 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.

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: Credit card

I APPLIED FOR A CREDIT CARD ONLINE, ON OR AROUND XX/XX/2016. I WAS TOLD I WAS APPROVED FOR A CREDIT CARD AND WOULD MUCH LIKE TO DO BUSINESS WITH THIS COMPANY. I HAVE CONTACTED THE COMPANY DIRECTLY AND VERIFIED MY IDENTITY, DUE TO AN ALERT ON MY CREDIT. AS OF XX/XX/2016, I HAVE HAD THE ALERT REMOVED FROM MY CREDIT FILES, TO AVOID ANY HINDERING OF THE APPROVAL OF MY CREDIT CARD APPLICATIONS. I HAVE TRIED CONTACTING THE COMPANY AGAIN OVER THE PHONE, BUT TO NO AVAIL. MY CREDIT SCORE RANGES BETWEEN XXXX AND ABOVE. ONCE AGAIN I HAVE PROVIDED MY PERSONAL INFORMATION, INCLUDING NAME, SS #, DOB, AND ADDRESS, TO THE COMPANY VIA PHONE.
Product: Mortgage

The mortgage company charged thousands more at closing than should have been charged and never fixed it or offered refund. Even escrow company questions why they changed the balance amount by more than 10k than what we owed. We want our money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Discrepancy on the credit bureau report for XXXX  and equifax. It has been 6 months already with no resolution regarding this matter. The accounts for XXXX XXXX Credit Card, XXXX XXXX XXXX XXXX  that were deleted from transunion report are reporting on equifax and experian being the same accounts. As far as I understand the creditor are the one who authorize the removal or deletion of the account from the credit report, how comes XXXX  had deleted this 2 accounts and experian and equifax has not. Attached the 3 credits reports from equifax XXXX  and equifax comparison in order to view in detail the reporting discrepancy.
Product: Mortgage

attempted to get a modification agreement done with the mortgage servicer phh mortgage services but they prolonged the process way to long and would not provide a definitve answer. we filed a bankruptcy for protection however the owner of the loan XXXX XXXX has filed a motion for an automatic stay.
Product: Credit reporting or other personal consumer reports

Mark as duplicate well each complaint has its own merit AS REQUESTED FORWARDED TO F.T.C AND D.O.J
Product: Debt collection

I am writing to formally lodge a complaint against The Moore Law Group, who is acting as a debt collector on behalf of XXXXXX/XX/XXXX I am experiencing significant financial hardship due to my current XXXX and am solely reliant on unemployment benefits from the XXXX XXXX Department ( XXXX ). 

On XX/XX/2023, I contacted The Moore Law Group to discuss a potential settlement for my debt with XXXX XX/XX/XXXX Following their instructions, on XX/XX/2023, I sent an email detailing my situation and providing documentation of my XXXX and unemployment benefits. Despite my numerous follow-up attempts, including multiple voice messages, The Moore Law Group has not provided a clear response. 

In my email, I explained that I am currently unemployed and facing severe financial difficulties due to my XXXX and recent hospitalizations. I outlined my debts, including judgments from XXXX XXXX and an impending judgment from XXXX XXXX, totaling over {$40000.00}. Despite these challenges, I am committed to avoiding bankruptcy and proposed a lump-sum settlement of {$4600.00} for my debt with XXXXXX/XX/XXXX XXXX This offer is consistent with the settlements I am negotiating with other creditors. Resolving this debt is crucial for my financial and mental health, and I am prepared to make this payment promptly if accepted. 

When I finally reached The Moore Law Group by phone, I inquired about the status of my settlement request and was told that it was denied. However, when I asked if the denial came from XXXXXX/XX/XXXX, who owns the debt, I did not receive a clear yes or no answer. Instead, I was given vague responses such as " the offer I made is not good. '' The objective of sending documentation and explaining my hardship was to have XXXX XX/XX/XXXXreview it and decide as the owner of the debt. 

Despite providing the requested documentation and a detailed explanation of my situation, The Moore Law Group 's lack of clear communication has caused significant stress and hindered my ability to resolve this matter amicably.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, XXXX Social Security Number : XXXX, Consumer Date of Birth : 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 a personal credit card account opened at XXXXXXXX XXXX XXXX  on XX/XX/year> under the account number ( XXXX ), a personal credit card account opened at XXXX  on XX/XX/year> 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 XXXXXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I have alot of fraudulent opened and reported accounts
Product: Checking or savings account

I have received several text messages from US Bank indicating that I have opened new accounts. I have not. I have a US Bank XXXX checking I opened over a decade ago. And one credit card I opened more than 5 years ago. I have opened no new accounts since then. I contacted US Bank fraud on XXXX at XXXX. I spoke to a woman named XXXX, who verified that she saw no new accounts with my social security number. She advised me to talk to XXXX, their verification team. They were closed so I had to call them today. I called XXXX XXXX spoke with someone named XXXX who could not help me in any way. He said since I did not open the application there's nothing for him to verify. I asked to speak with his manager. He put me on hold for 20 minutes before disconnecting the call. I then called US Bank fraud team, XXXX. The first person I spoke to was named XXXX. She asked me for my debit card information. She confirmed she only saw the credit card in checking account. XXXX said she saw no notes from XXXX. XXXX said she would start an investigation into if XXXX really exists. She got in touch with another fraud team and conferenced the call in. That rep had the worst attitude. No empathy, compassion, or understanding. Did not help us get anywhere. Eventually the reps were talking, both went silent. No hold music. Nothing and the call disconnected. I'm livid. I've spent 4 hours on the phone dealing with this fraud issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a second complaint against the credit bureaus. They said in the first complaint my disputes were not specific and they were not going to investigate anything. 

I just uploaded the letters of dispute I sent them months ago. Is that specific enough for them? Furthermore, that response of theirs does not address the fact that they have failed to do their job for over three months. At this point I am fed up. Starting an investigation at this point  does not suffice. If they do not delete the accounts I disputed from my credit report or correct them, I will be forced to sue them. What kind of hoops are they having me jump through just to get them to do something they are supposed to be doing already. This is costing me in terms of time, money, credit denials, missed opportunities, frustration, and much more. This will be the last time I attempt tp have the credit bureaus do their job before I go to court with them.