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

FirstPoint Collection Resources has failed to Delete the account reporting inaccurate and invalid debt information and balances on my XXXX credit report. I have not done any business with this company. This company is not the original creditor and this company does not have a contract bearing my signature. I do not owe FirstPoint Collection Resources. I have requested permanent deletion via numerous letters sent to FirstPoint Collection Resources and I feel that my rights are being ignored and I am being taken advantage of because I have never had a contract with this company and the data reporting is not correct.
Product: Checking or savings account

Square arbitrarily closed my account and is holding my funds for XXXX days as stated in their email to me.
Product: Credit card

I was contacted by XXXX XX/XX/2015. I was promised a web site that would generate me a residual income monthly. Since doing business with this company I have not received any services. Also this company will no longer answer the phone or is responsive to emails that I have sent. The company is an absolute scam!
Product: Checking or savings account

One deposit of {$800.00} and withdraw of {$900.00} by transfer on same day on XXXX XXXX. Followed by approximately {$870.00}. of debit charges of 20 items. 
I got an alert from US Bank that a duplicate charge of {$60.00} on my checking account. I immediately called the bank .I was transferred to a fraud investigator, who transferred me to a different investigator who asked for a list of the 20 items including the transfers and then stated that she was having trouble with her computer- so transferred me to different investigator who had me repeat the whole list of fraudulent activity on my account. 
The bank closed my debit card and issued a new card which I got on XXXX XXXX. 
At this time I have not gotten information about fraudulent activity. 
All the fraudulent activity took place in Washington and Oregon states, after small purchase from XXXX.
Product: Debt collection

I received a letter dated XX/XX/19 for a debt of XXXX to XXXX XXXX. XXXX XXXX shows they cashed my check on XX/XX/19. The debt has been paid and was paid before they ever reached out to me. The letter I received does not state it is from a collections agency, and does not have an inked signature. They have called me and don't identify themselves as a collections agency on the phone. This collections agency technically owes me {$1000.00} for violating the Fair Debt Collection Practices Act.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 adverse item of information, other than records of convictions of crimes which 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
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 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.

I am filing this to report one fraudulent account appearing on my consumer FICO credit report, which I do not recognize as reported and which is the result of identity theft and fraud. This fraudulent account consists of a credit card opened at XXXX XXXX on XX/XX/scrub>XXXX under the account number XXXX. Additionally, there was a fraudulent hard inquiry by XXXX XXXX on XXXX and XXXX XXXX on XXXX. These items have resulted in fraudulent hard inquiries and collections appearing on my consumer XXXX credit report. I demand that the fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights under the FCRA and FDCPA laws. I demand the removal of the following addresses, as they are associated with the fraudulent activity : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ; and XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX. 

All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX according to XXXXXXXX XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within 4 business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information with XXXX, XXXX and XXXX. Please delete the following accounts. AFFIRM  {$220.00}, XXXX XXXX XXXX {$240.00}, XXXX XXXX XXXX {$470.00}, XXXX XXXXXXXX {$780.00} AND XXXX XXXXXXXX XXXX.
Product: Mortgage

The refi transaction closed using UWM Trac plus and virtual closing with my loan officer broker that was completed on XX/XX/XXXX. There was an error on the CD that was corrected at closing however XXXX XXXX did not fund the loan as this correction wasn't relayed to them causing a shortagein the funds to be collected from the borrower. After many repeated attempts to have someone at UWM correct this, it failed to get done. With no access to communicate with XXXX XXXX this loan took over XXXX weeks to get funded and hence, the lender being paid off then charged numerous late fees and still has not been paid or released the current mortgage lien so that UWMcan obtain first lien position.This has put me in the position where I show being 2 months behind on my mortgage with XXXX in the amount of {$2500.00} and I show having a mortgage payment due with UWM. Lakeview has reported me 30 days late due to UWM failure to complete the request of the payoff quotes submitted to them. There has been a total of 4 different payoff quotes submitted to UWM, due to payment being received after the expiration date of the first payoff of XX/XX/XXXX in the amount of {$150000.00}. Due to the payment not being received until XX/XX/XXXX there was an updated payoff request sent by XXXX XXXX in the amount {$1400.00} that was good until XX/XX/XXXX, due to the needed funds for the short fall not being received and XXXX not commutating how they will handle the short fall the funds that were sent to XXXX XXXX in the amount of {$150000.00} was returned by XXXX. My loan XXXX and I have been commutating with XXXX XXXX XXXX Account XXXX, at first he was responsive and ensured the problem would be resolved. There were 2 up to date payoff sent to UWM that have now since expired, I was told that it was being taken care of on XX/XX/XXXX but there is still no funds on file with XXXX and both of the last XXXX payoffs have expired and I am not getting an response from UWM regarding this matter. I now show having 2 mortgages and making payments on the mortgage that is suppose to be closed to try avoid losing my home but it makes my unable to pay what is suppose my current mortgage with UWM.
Product: Credit reporting or other personal consumer reports

The statue allows multiple reinvestigation. 

The following accounts has fraudulently charges made to account : XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX
Product: Student loan

My student loans were being serviced by XXXX XXXX up to XX/XX/XXXX until my student loans were purchased by XXXX XXXX company. My original loan amount with XXXX XXXX in XX/XX/XXXX was {$110000.00}. When I received notification from XXXX that they had purchased my loans the amount was increased by over 1000 % to {$350000.00}. I have submitted several complaints to XXXX trying to get an answer!!! I NEED ASSISTANCE!!! I have not attended school since XX/XX/XXXX and I have not attended school after XXXX purchased my loans in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally request a reinvestigation of incorrect information of this account on my credit report. Upon reviewing my credit file, I have identified that this account was already fixed or remove the late payments of other bureaus, you are the one reporting this lates in history. Please update to paid and remove the late payments. XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXXXXXX Balance Owed : {$490.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX XXXX. who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I'm filing this complaint because it's been over 35 days and you are still reporting these items without permission and that is fraud.
Product: Mortgage

Initially, I was shopping for HELOC products without running my XXXX XXXX and checked a few lenders, including Discover XXXX XXXX. 
When I received the call from the Discover 's representative XXXX XXXX XXXX ID # XXXX on XX/XX/23, he stated that Discover could do a no appraisal loan based on the XXXX, which he checked the value as XXXX. 
The representative provided the rate based on the soft credit and then requested that I release my credit, which could be FCRA violation. I was very clear about the fact that I needed to make sure that everything that he was stating was correct, and he said yes, it was. As a result of the promise from the Discover associate, I have released my credit freeze and allowed Discover to run my XXXX XXXX. The commitment, however, was not fulfilled because I was told after the fact that I needed a drive-by appraisal, which I was not told about initially. 
Furthermore, after the drive-by appraisal, I was told that I needed a full appraisal, which could be considered a total bait and switch from the initial phone call. 
I requested from Discover to listen to the phone call at the time of the application but received no response. 
I am requesting from Discover to make it right for me and provide the loan based on the original agreement. I will get the loan based on the value and 80 % XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX 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 XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXXXXXXXXXX  XXXX, XXXX  XXXX INQUIRIES XXXX XXXX  - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX  I - XX/XX/XXXX, XXXX XXXX  SER - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/2023, XX/XX/2023, XX/XX/2023 and XX/XX/2023 ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXXNever Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Checking or savings account

Had deposited a Manager 's Check for {$18000.00} on XX/XX/2022. The account can't be found in the mobile chase app after the XX/XX/XXXX weekend. I went to the Branch and dealt with an officer, branch manager, and fraud division. Spent over 3 hours on the fund with the Credit Union that issued the instrument and they said it was paid. The Bank officer acknowledges that the funds are in suspense but unless the fraud department talks by calling them they can release the funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX {$10000.00}, {$10000.00}, {$20000.00}, {$5600.00} 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 XXXX : 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

I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my ident ity may have been stolen which I have included with this letter. I have listed the accounts below. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gav e you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.
Product: Debt collection

I have already paid off this debt with XXXX XXXX at mountain land collections. I have told knights collections agent about it several times and the courts have provided this information as well. Yet they continue to harass me and refuse to take it off my credit or provide more information. I have had identity theft and this account was closed in XXXX. Yet they are saying there are transactions from XXXX. Which is impossible.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX : {$110.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX
Product: Checking or savings account

XXXX, around XXXX XXXX XXXX, my BOA checking account made two unauthorized transfers through XXXX  to unknown accounts. {$1000.00} to XXXX, XXXX, and {$500.00} twice to XXXX, XXXX. Neither do I transfer to these two accounts, nor do I recognize either of these two accounts or names. I saw the e-mail notification at XXXX, and tried to contact BOA, but it was not their working time. I got in contact with BOA agents in the morning several times and they said they had filed a fraud claim for me and reset my passwords. But till XXXX XXXX, I could not see any claim on my online banking page yet. On XXXX, I clicked one spam link in a fake XXXX e-mail and stayed for 30s, I didn't know whether there was a connection between fraudulent transfers and the spam e-mail link. Maybe my phone got hacked. 

I am extremely frustrated and anxious at this time. {$2000.00} is a huge amount of number for a XXXX XXXX. I can not live without such money. I also maintain a clean banking account since XXXX, the time I first came to the US. So, please help me get my money back!
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. 

XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$650.00} XXXX  XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$21.00}. 
XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$400.00}. 
XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$480.00}. 
XXXX  account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXXXXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXXXXXX XXXX XXXXXXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
Collection account from XXXX XXXX with account # XXXX and a balance of {$580.00}. The original creditor is XXXX. 
Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$3700.00}. The original creditor is XXXX XXXX. 
XXXX XXXX XXXX XXXX Lease with account # XXXX opened on XX/XX/XXXX and a balance of {$1300.00}. 
Collection account from XXXX XXXX with account # XXXX and a balance of {$480.00}. The original creditor is XXXX XXXX XXXX XXXX XXXX. 

-I couldn't apply for any loans because of these negative items on my report which shouldn't be there
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX Balance : {$5700.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$130.00} XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Ga, XXXX ] [ XXXX ] [ XXXX ] [ XXXX ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX  DC XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Complaint Regarding Violations of the Fair Credit Reporting Act ( FCRA ) Dear Sir/Madam, I am writing to formally lodge a complaint regarding the continued inaccuracies in my credit report managed by Equifax a

nd to hold you accountable for violations of the Fair Credit Reporting Act ( FCRA ). For the past four years, I have n
ot been employed by XXXX XXXX XXXX, nor have I ever resided at XXXX XXXX XXXX XXXX. This address was previously associated with my mother and is still used by my brother. I have consistently provided Equifax with pertinent documentation and identification forms, both in physical and digital formats, to verify my actual residence at XXXX XXXX XXXX XXXX. Furthermore, I have been employed by XXXX and XXXX XXXX for over three years. 

Despite my repeated submissions of accurate information, Equifax has failed to rectify these inaccuracies in my credit report, thus exhibiting clear negligence in its responsibilities mandated by the FCRA. Specifically, I wish to highlight the following violations : 1. **Failure to Conduct a Reasonable Investigation** : Equifax has not performed the due diligence required to investigate my disputes adequately. 

XXXX. **Inclusion of Abusive Comments** : During the dispute processes, I have observed the addition of derogatory remarks related to my disputes, which is unprofessional and damaging. 

XXXX. **Lack of Validation** : Equifax has not provided adequate validation for the disputed accounts, thereby compromising my creditworthiness. 

4. **Harm to My Credit File** : The persistence of these inaccuracies has adversely affected my credit score, presenting barriers in acquiring credit and negatively impacting my financial opportunities. 

As a result of these continued violations, I am seeking appropriate compensation for the damages caused to my credit file. I request that Equifax take immediate action to correct the discrepancies in my records, cease the inclusion of any abusive or misleading comments, and provide formal documentation of the investigations conducted into my disputes. 

Please respond to this complaint within 30 days as stipulated by the FCRA. I look forward to your prompt attention to this matter and hope to see a resolution soon. 

Thank you for your immediate consideration of my complaint. 

Sincerely, XXXX XXXX XXXX