23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$9000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is not my account. I have previously disputed this account and it was removed. Then was later added back. My identity has been stolen multiple times. Around the same time this account was open there was approximately four other cell phone accounts, open and a three month period. Obviously fraud. I previously asked them to send me a debt validation letter in the mail and they sent me a bill. They can not provide me with my whole Social Security number, and they have the original address on the original account incorrect. Wrong apartment number. Id like this removed from your credit report immediately
Product: Credit card

Somebody requested an capital one credit card under my name but it was fraudulent. I've called them and put in a fraud claim. The process was stopped. The background check came up on my credit report that's why I asked about this.
Product: Credit reporting or other personal consumer reports

Subject : Request for Permanent Removal of Fraudulent Account Dear Equifax, I am writing to formally dispute the recent re-insertion of a fraudulent account on my consumer file. This account was previously removed after I filed a dispute, but I have noticed that it has been placed back on my report at the request of the furnisher. This action constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, specifically Section 1681i ( a ), when a consumer successfully disputes the accuracy of information on their credit report, the XXXX XXXX XXXX must conduct a reasonable investigation. If the investigation reveals that the information is indeed inaccurate, it must be removed from the consumer 's file. Furthermore, once information has been removed, it can not be reinserted without proper verification of its accuracy and notice to the consumer, as outlined in Section 1681s-2 ( a ).

As this account was previously determined to be fraudulent and removed, I request that you permanently remove this account from my consumer file. I also ask for written confirmation of the removal and details of the investigation conducted regarding this matter. 

Please respond to this request within the timeframe set forth by the FCRA. Failure to comply with this request may result in further action to protect my consumer rights. 

Fraudulent accounts listed below : Account XXXX - XXXX XXXX XXXX XXXX. Account number - XXXX XXXXXXXX I'm also disputing the unauthorized inquiries below made without permissible purpose. Remove immediately from my consumer file for FCRA violation. 


XXXX XXXX XXXX XXXXnquiry : XXXX XXXX, XXXX XXXX XXXX XXXX- Inquiry : XXXX XXXX, 2024 XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX- Inquiry : XXXX XXXX, XXXX XXXX XXXX- Inquiry XXXX XXXX XXXX, 2024
Product: Credit reporting or other personal consumer reports

I filed an FTC complaint ; the FTC Report Number is : XXXX I do not authorize incorrect information on my credit report. This includes but is not limited to hard inquiries. The hard inquiries that are appearing are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I contracted with XXXX XXXX in XXXX of 2013 to help negotiate settlements on XXXX credit card debts. XXXX went fine and the third, Bank of America represented by XXXX XXXX XXXX, has been a fiasco. A written settlement agreement was made in XXXX of 2013, the XXXX XXXX settled, for XXXX {$1100.00} payments over a XXXX month period. I placed the money in escrow with XXXX financial through XXXX to guarantee payments as agreed. XXXX of the {$1100.00} payments were made as scheduled and Bank of America refused the last payment and backed out of the deal. They have been billing me for the full original amount and I never received any credit at all for the {$2200.00} they accepted. I have a copy of the original agreement and copies of the cashed payment checks, I have no idea where that {$2200.00} went. The original debt amount was put into collection and passed from XXXX agency to another. Since I have already paid XXXX for their service, I have been emailing and calling back and forth in an attempt to resolve this issue as agreed. Now XXXX will not answer my calls or respond to my emails in my attempts to find out the status. I feel both Bank of America and XXXX have both committed fraud and left me with the adverse effect on my credit reports which severely restricts my employment possibilities and my insurance costs.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and permanent deletion of specific accounts and inquiries from my credit report due to a recent data breach. As a victim of identity theft, I am exercising my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to have fraudulent information removed from my records.

Please block and delete the following account from my credit report : Accounts to Be Blocked and Deleted : XXXX XXXX  - XXXX - XX/XX/XXXX - {$9900.00} Inquiries to Be Removed : XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After checking my 2 credit reports with XXXX XXXX Experian, I noticed that XXXX XXXX is incorrectly reporting on my account. Per the FCRA & FDCPA all of the information must report accurately & fairly. They told me that they cant do a goodwill adjustment but I need to get proof of payment history so when I get ready to go to an attorney so Ill have the information to present to the small claims court.
Product: Credit reporting or other personal consumer reports

I looked at my credit report back on XX/XX/XXXX and I noticed some things are incomplete and not accurate, And according to FCRA Fair Credit Reporting Act, Whenever a consumer reporting agency prepares a consumer reportit shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
These accounts are not complete and not accurate XXXX. 
Under 15 U.S.C. 1681i ( XXXX ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 
According to XXXX XXXX XXXX XXXX, Experian is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( XXXX ), 15 USC 1681e ( XXXX ). Delete account immediately XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( XXXX ) this account in violation not reporting 100 % accurate XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 
According to XXXX XXXX XXXX XXXX, Experian is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( XXXX ), 15 USC 1681e ( XXXX ). Delete account immediately I sent a letter asking them to make sure everything is complete and accurate and hre is my tracking XXXX They sent me investigation back and said everything is complete and accurate but if you check my attachments, everything is not complete and accurate. 
And according to 15 USC 1i 5 They are supposed to do this ( XXXX ) treatment of inaccurate or unverifiable information ( A ) In general, if, after any reinvestigation under paragraph XXXX of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- -- ( B ) ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based of the results of the reinvestigation and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681 ( XXXX ) : ( XXXX ) description of reinvestigation procedure A consumer reporting agency shall provide to a consumer adescription referred to in paragraph ( XXXX ) ( B ) XXXX ) by no later than 15 days after receiving a request from the consumer for that description. 
!!!!!!! BUT THEY DID NOT DO THAT AS WELL EITHER!!!!!!!!!! 
And according to 15 USC 1681s-2 they are suppose to NOT furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate. 
According to 15 USC 1681s-2A. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has any reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing to dispute the inaccurate and unverified information that is being reported on my credit report by several creditors. I believe that these creditors have violated a number of federal laws, including the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), Real Estate Settlement Procedures Act ( RESPA ), Equal Credit Opportunity Act ( ECOA ), and Fair Credit Billing Act ( FCBA ). 

One specific violation under FCRA is the inaccurate reporting of my addresses and other personal information. My current address is XXXX XXXX XXXX, XXXX, NJ XXXX, but the credit bureau has reported multiple other addresses that are not accurate, including XXXX XXXX XXXX, XXXX, DE XXXX and XXXX XXXX XXXX, XXXX, DE XXXX. This inaccurate information has caused confusion and difficulty in accessing credit, and is a clear violation of FCRA. 

In addition to the inaccurate reporting of addresses, I have also experienced other violations such as harassing and abusive debt collection practices by some of these creditors, including attempts to collect debts that are not owed and failure to provide required disclosures under the FDCPA. 

Furthermore, I have been denied access to my free annual credit report and the creditors have failed to properly handle identity theft claims under FACTA. TILA violations include the failure to provide required disclosures related to loans or credit card accounts, and RESPA violations include the failure to provide required disclosures related to mortgage loans or settlement procedures. In addition, I believe that I have been subject to discriminatory lending practices based on my race, gender, or other protected characteristics under ECOA. Finally, there have been instances of unauthorized charges and the failure to properly handle billing disputes under FCBA.

These violations have had a significant impact on my life. I have been denied credit and other opportunities due to the inaccurate information on my credit report. It has been extremely difficult to correct these errors and I have suffered emotional distress and financial hardship as a result. I have been actively working to improve my credit score, but the inaccurate and unverified information on my credit report has made it nearly impossible.

Therefore, I am requesting that the creditors remove the unverified accounts from my credit report immediately. I also request that you take appropriate action to enforce the laws that have been violated by these creditors. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I submitted a hardship request per the instructions found on the collection letter I received. I mailed the document first, well within 30 days of the date on the letter. However, I never received a response/nothing happened. I proceeded to email the documents after seeing that it was an option. I've continued to email my request and don't receive any response or acknowledgment.
Product: Checking or savings account

XXXX XXXX, I reported to the Bank Of America that I got scammed thru XXXX for {$3500.00}. 
On Friday, XXXX XXXX. I contacted my friend on XXXX because he had just won {$87000.00}. His name is XXXX XXXX. He told me to get together with his mentor. Her name is XXXX. 
I connect with XXXX thru the XXXX XXXX application. 
I asked her how to start to make money like XXXX ; she wondered how much I would like to start ; I said {$1000.00}. She said under 3 hrs ; I am going to get $ XXXX. 
I sent the money thru XXXX for {$1000.00} to XXXX XXXX Phone : XXXX BANK name : XXXX XXXX Account Account numbers : XXXX Routing number : XXXX Email : XXXX Address : XXXX XXXX XXXX XXXX Florida XXXX She said my profits growing already and she sent a screenshot of the profit of $ XXXX. 
And she said I need to pay mining fees of {$1500.00} for me to get my profit of $ XXXX. 
I sent {$900.00} + {$600.00}. After she received my payment she said there was another transfer fee for {$2000.00} I need to pay for transferring the profits of $ XXXX to my bank account. 
I only have {$1000.00} in my bank account so I called my sister XXXX XXXX XXXX to send {$1000.00} to XXXX XXXX 's thru her account. ( I sent texts to her with all the information about him ). After that she said, You are getting XXXX now and if you pay this {$2000.00}, you not gon na pay anything anymore because you are so lucky and you can see a lot of testimony and my good work done. I said I don't have {$2000.00}. But I called my other sister XXXX XXXX to send {$2000.00} to XXXX XXXX. ( texted her all XXXX 's information ). 
After my sister sent the money. 
XXXX said Now you need to pay for your commission charge which is for the platform for {$1600.00}. I was shocked and I told her I want to stop, I don't have any more money. And I just want my money back. And she said she can not give me my money back. 
I went back to XXXX XXXX my friend on XXXX. I told him what happened and he said that I need to follow her instructions. I told him I don't have any more money, I borrowed my sister 's money for {$3000.00} already. He said just do it, for me to get my profit. 
On Saturday, XXXX XXXX, I called XXXX at his workplace, to ask him why did he push me to follow her instructions even though he knows I don't have any more money, and I didn't get the profits money. He told me that his account got hacked a month ago, so he was NOT the one who posted all the pictures, it was the imposter. 
He said he reported it to XXXX several times but they do nothing about it until now. I did report to XXXX as well, and sure enough, XXXX didn't do anything about it. XXXX XXXX 's account is still there as a private account. 
I wonder if anyone else got scams like me. XXXX XXXX 's account should take it down. 
XXXX XXXX is under the name XXXX on XXXX. 
Now I lost {$3500.00} plus owed my sisters {$3000.00}. 
Total {$6500.00}.
Product: Credit card or prepaid card

Cap total one/Walmart for XXXX dollars someone used my identity and they never paid it. I never applied for it. Its in my credit and I want it off. This is not my card please help me I cant get a house bc of this for 60 years. If its not off I will sue.
Product: Debt collection

I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXX XXXX XXXX/ {$0.00} / XX/XX/XXXX XXXX  XXXX / {$8600.00} / XX/XX/XXXX XXXX XXXX XXXX/ {$0.00} / XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my bill early 3 times and they waited to long to get the money from my account and I discussed this with them every time and then all of a sudden they closed my account and reported me to the credit bureaus and I feel that was wrong because they didn't grab the money in time but I did pay the bills early, this happened in XXXX XXXX and XXXX of 2023
Product: Credit reporting or other personal consumer reports

Ive been having a problem with equifax for about 2 years now do the the breach of my information which thanks to equifax down website let me know that my information was breached no accommodation or proper investigations have been made which has cause me stress and XXXX in the pursuit to gain my life back and fix my credit score back in order being treated as if I had done something wrong when infact equifax knew about this breach the whole time it has cause me tremendous loss from business opportunities and being deprived of taken care of my family and my character being destroyed behind this bring on a lot of unhealthy un wanted pressures me and my family are on the brink of XXXX behind equifaxs actions
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX, XXXX XXXX, XXXX XX/XX/XXXX, ALLY FINANCIAL XX/XX/XXXX, CREDIT ACCEPTANCE XX/XX/XXXX LIGHTSTREAM XX/XX/XXXX FEB/DESTINY XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ML XXXX BANK XX/XX/XXXX AMERICAN CREDIT ACCEPTANCE XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX AMERICAN CREDIT ACCEPTANCE XX/XX/XXXX CAPITAL XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ALLY FINANCIAL XX/XX/XXXX AMERICAN CREDIT ACCEPTANCE XX/XX/XXXX CAPITAL XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX BANK XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current. 


2. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current. 


XXXX there is some inaccurate information reporting XXXX Account Number : XXXX Delete this account. 


4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 


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


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


7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 


8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 


9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report.
Product: Mortgage

Hi. My loan recently was bought and transferred XX/XX/XXXX. Before the loan was transferred to the new servicer, the previous servicer approved us for a loan modification. ( HAMP I believe ). I received a letter that we had been approved, dated XX/XX/XXXX, and our loan was transferred on XX/XX/XXXX. The new servicer/investor is refusing to honor the modification. What can I do. We really need this modification or we might lose our home
Product: Credit card

I signed up for a PayPal credit account and did not know it was a credit account. I thought it was the regular PayPal account which I had another credit card attached to. 
I thought the practice was deceptive in nature. I also do not remember them indicating they where going to check my credit. If they did check my credit it was not understood on my part, I never gave them permission unless it was in some fine print I did not read. 

Very unhappy with Paypal.
Product: Mortgage

To Whom It May concern, I was approved by the Illinois Hardest Hit Program back on XX/XX/XXXX! I fell gravely ill in XXXX, and have since been permentaltly XXXX and on SSA. The great people that work with The Hardest Hit program, here in Illinois, put a fast track on my application, because when I applied in XXXX, I was already many months in arrears, and the process normally takes 90 days, or more. So, they fast tracked it and got me approved for {$35000.00}, of which included 4 months of future payments. I was, at the time, behind {$27000.00}. The documents were sent over to Mr. Copper, for approval, so that they could send the check. I verified on the XXXX of XXXX with Mr. Copper, that they received all the documents, and that it would  take a few days to process, possibly by the end of the month. 

I called at the end of the month and nothing had been done as of yet. This went on for months. I called every week for months stressing the urgency, since the amount approved was going to pass it's approved amount. I even sent corporates headquarters in Texas, via certified mail, a package of all documents and email corresponds with Mr. Cooper ( i never got a response. I was consistently told not to worry, that Mr. Copper deals with Hardest Hit Programs all the time, and that everything will be fine, every time I spoke to their customer service reps. many of my urgent calls and complaints, were sent to the Escalation Dept. Again, I never received a call, email or letter. 

Long story short, they, Mr. Copper, sat on it and responded on XX/XX/XXXX, with the total owed {$36000.00}. 

Mr. Copper is now flat out lying and stating they received the documents from The Illinois Hardest Hit Program on XX/XX/XXXX ( a complete lie!!! ), and received the denial from The Illinois Hardest Hit Program on XXXX XXXX, which is factual. But i was denied due to their negligence. 

I have been greatly, negatively impacted by the negligence and falsehoods by MR. Copper. The impact it has had on my health has also greatly affected my life, due to the XXXX. 

I then called again, after the 2nd denial for options. they offered me a loan modification. i never heard back from them after a week or so. i then received an email after complaining, that i was denied due to my income and foreclosure proceedings were going to proceed. I never once was contacted by Mr. Cooper for information on my finances. Such as change in income, bank statements, and such. Just a flat denial. Today ( XX/XX/XXXX ) I emailed via an appeal of there decision with all relevant documents that show i can indeed afford the modification and make my monthly payments. I have attached the email as well.