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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting this fraudulent account in my report and EXPERIAN has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, this collection was eliminated and not verified by others bureaus I don't understand how they usually say that this account is mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete this account. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX through XXXX XXXX and XXXX XXXX is using these accounts to blow up peoples credit scores in their blood. Their credit accounts by intentionally doing inquiries, soft and hard on peoples credit reports under different assume names under the name of XXXX XXXX. I will be providing company, names, addresses dates, and any phone numbers or any other information that has been provided. I have attached documentation to this to prove they are doing this intentionally to blow up my credit score. First, his XXXX XXXX  by XXXX XXXX XXXX XXXX XXXX by XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX. Dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX of XXXX, XXXX XXXX. Seeing you online hold by XXXX  no address provided date XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX of XXXX. XXXX XXXX by XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX dates XX/XX/1923, and XX/XX/XXXX of XXXX. XXXXXXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX. Dates XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX. XXXX XXXX XXXX by XXXX  XXXX XXXX XXXX, XXXX, TX another Texas one another one to go to the Attorney Generals office XXXX. Dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, MT XXXX. Dates XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX  by XXXX XXXX XXXX XXXX, XXXX, TX another one for the attorney generals office XXXX. Dates XX/XX/XXXX and XX/XX/XXXX of XXXX. XXXX insight. By XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WI XXXX. Dates XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX. Dates XXXX and XXXX. XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX dates XX/XX/XXXXXXXX XXXX send Loans/date. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX California XXXX. Dates XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. Last page moving right along XXXX land by XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, SD XXXX dates XXXX of XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX dates XX/XX/XXXX And XX/XX/XXXX it says on the behalf of online holdings XXXX. No clue who this fraudulent transaction is. XXXX XXXX app oh look another Texas address for the Attorney Generals office. XXXX XXXX XXXX, XXXX, TX XXXX date XX/XX/XXXX. No, I have shown repeatedly nonstop how XXXX and XXXX is doing nothing but running up peoples hard inquiry and soft inquiry in order to reduce their credit score in order to increase their interest if they pay on credit cards loans, insurance, and other debts that use your credit report to, check on you. Im ready to start filing suits with this. Ive got enough documentation of sat down with an attorney. He says it looks like theres some present there to represent to those who care, and I am ready to represent this to those who care that lawsuit will be in the state of Texas if we have to proceed that way its a Consumer Financial Protection Bureau does not gon na protect the consumer from this kind of fraudulent exploits of peoples credit reports and credit scores.
Product: Credit reporting or other personal consumer reports

I have contacted XXXX and XXXX Bank numerous times between XXXX and today, XX/XX/year>. I spoke to a representative named XXXX between XXXXXXXX XXXX and XXXXXXXX XXXX. She informed me that she could not allow me to speak to the fraud team, and this did not resolve my issue with XXXX Bank reporting an account negatively due to identity theft. 

It appears that XXXX Bank and XXXX Credit Bureau are refusing to honor government regulations, as XXXX is in possession of my FTC.gov identity theft report and other documentation. Initially, on XX/XX/year>, XXXX removed the XXXX Bank account by blocking my credit file, but XXXX Bank instructed them to reinstate it. This has resulted in the loss of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and future potential earnings. 

I request that this account be removed immediately under FCRA regulations.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several hard inquiries that appear on my Transunion credit report. These inquiries are unverified, and I did not authorize any of them. As such, I request that they be removed from my credit report immediately, in accordance with my rights under the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington, DC XXXX XXXX ( XXXX ) XXXX XX/XX/2024 Equifax Subject : Dispute Regarding Willful Non-Compliance with Compliance Standards Dear Equifax, I am writing to formally dispute information on my credit report regarding willful non-compliance with compliance standards. Upon reviewing my credit report, I discovered inaccuracies and discrepancies that are negatively impacting my creditworthiness and financial standing. 

These inaccuracies are not only damaging my credit score but also potentially violating consumer protection laws and compliance standards. I request that you conduct a thorough investigation into these matters and provide a prompt resolution. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report. Therefore, I expect you to take immediate action to rectify these errors and update my credit report accordingly. 

Please acknowledge receipt of this dispute letter within 30 days and inform me of the steps being taken to address my concerns. You may contact me at the above-listed contact information if you require any further clarification or documentation. 

Thank you for your attention to this matter. I look forward to a swift resolution. 

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

LexisNexis trespassed my Credit Report kept by XXXX XXXX releasing a different technique to assess my creditworthiness and such action has caused the lenders to decline my application for credit card applications. 

LexisNexis never had my authorization to release my creditworthiness to XXXX XXXX or any other national credit report bureaus, and their technique to value my creditworthiness is harmful preventing me to obtain the credit card I do need. 

Upon contacting LexisNexis to block their misleading information, LexisNexis mailed 3 letters referenced to my request contradicting their messages, see Case Number XXXX, Case Number XXXX, and Case Number XXXX. The XXXX letters prove their agency 's mismanagement of consumer report information. 

Their action to send 3 misleading letters indicates LexisNexis is a mismanaged credit report agency that continued causing me more harm than good.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an incorrect address listed on my credit report. The address " XXXX XXXX XXXX, XXXX, GA XXXX '' is not associated with me and should be removed from my file immediately. 

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ), you are required to investigate and correct any inaccurate or incomplete information in a consumers credit file. You are further obligated to complete this investigation and notify me of the results within 30 days of receiving this dispute. 

Incorrect Address : XXXX XXXXXXXX XXXX  GA XXXX Correct Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX GA XXXX To aid in your investigation, I have enclosed copies of the following documents to verify my identity and correct address : A copy of my government-issued identification ( e.g., drivers license ) A recent utility bill showing my correct address Please note that failure to investigate and correct this inaccurate inform

ation within the required 30-day time frame, as stipulated by the FCRA, may result in further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies. Thank you for your prompt attention to this matter. Please confirm in writing that the incorrect address has been removed from my credit report and provide me with an updated copy of my credit report reflecting this correction. 


Enclosures : Copy of drivers license Copy of utility bill
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX [ Date ] Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX, IA XXXX Subject : Dispute of Charged-Off Account on Credit Report Dear CFPB, I am writing to formally dispute the accuracy of an account appearing on my TransUnion credit report under the name XXXX XXXX  XXXX. The details of the account are as follows : Creditor : XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Status : Charged off as bad debt Date Closed : XX/XX/XXXX Balance Updated : XX/XX/XXXX I believe this information is inaccurate, incomplete, or unverifiable. I request an immediate investigation into this matter and ask that the account be removed or corrected in accordance with the Fair Credit Reporting Act ( FCRA ). 

Please provide all supporting documentation verifying the accuracy and legitimacy of this account, including the original creditor agreement, payment history, and any correspondence regarding the charge-off. If the information can not be verified, I request that it be deleted from my credit file. 

I appreciate your prompt attention to this matter. Please send all correspondence regarding this dispute to my mailing address or email at XXXX. 

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

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C . 1681 Section 602 A. states I have a 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 reporting or other personal consumer reports

XXXX keeps reselling my debt to third party agencies. I disputed this collections account and it fell off my credit report months ago, but has now reappeared again. They sold it to XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, 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, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX, 15 U.S.SC 1681 section 602 A . States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried today XX/XX/2021 to submit a dispute again over the internet with experian in regards to 2 credit inquires that are to be removed off my experian credit report. I don't no why I am unable to dispute anything online with them. However I am submitting this dispute as I had conctaced experian by phone last month in regards to the 2 credit inquires that were to be removed off my credit report and they are stil showing. One is XXXX XXXX that was done 2 years ago and the other one is XXXX XXXX that was also done 2 years ago. These 2 inquires should be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. 

XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$150000.00} XXXX XXXX XXXX XXXX XXXX {$28000.00} US DEP ED XXXX {$3900.00} XXXX XXXX XXXX {$1000.00} XXXX   XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

DITECH, MORTGAGE FAILED TO PROCESS THE HARP REFINANCE LAST MONTH, BECAUSE THEY ARE NOT REPORTINH ON  XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 30 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person
Product: Credit reporting or other personal consumer reports

XXXX XXXX closed my account it hey reported late payments after the account was closed without my consent, I do not consent to the closure of my account. This is false, misleading, inaccurate and misrepresentation which is a violation of the law. Which has caused my consumer reports and consumer scores to negatively reflect on me.
Product: Checking or savings account

I want to make monthly installments with the company XXXX, but PNC bank will not allow me to link my account with their services so that they can automatically withdrawl the amount every month and therefore i can not buy the products i need.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/2021, XXXX XXXX XXXX  kept calling me about an issue and I was like why are you all constant calling me I don't have any products or credit cards with you. Come to find out my old roommate had got an account in my name.. I ask XXXX XXXX XXXX what I could do about just paying it because I was ready for this mess to be off my credit file. I was going through XXXX at the time. They instructed me pay the agreed amount and they would mark the account as fraud account and have account updated and removed from all three credit bureaus, and would possibly refund money back to me for the pmt. They never refunded me or removed account, they updated but never removed account. They scammed me out of the money by agreeing to remove this account.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurately reported in terms of amounts and dates.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of unauthorized inquiries on my credit report as a victim of a recent data breach. Pursuant to FCRA 605 ( b ) and 15 U.S.C. 1681c-2 ( a ), please block and delete the following fraudulent inquiries from my credit file : Unauthorized Inquiries to be Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Threat actors were able to add an additional address to both my credit report and my Best Buy credit card account. They then made several unauthorized changes to my Best Buy credit card, even though I still have the physical card in my possession. In response, I contacted Best Buy and XXXX and placed a fraud alert on my credit.
Product: Money transfer, virtual currency, or money service

My mother passed away and left me money. I wired that money ( CAD ) from a XXXX account to my XXXX XXXX. The money was converted to XXXX  XXXX XXXX rate from XXXX XXXX was XXXX instead of XXXX. I lost XXXX dollars. They had assured me that I would be getting the actual federal exchange rate on that day. This was not the case. XXXX XXXX has its own exchange rate. 
XXXX for looking into this XXXX XXXX
Product: Consumer Loan

I was no longer working an allowed my cousin to take over the payments on my XXXX that was financed through Global Lending. They knew he was making the payment that they even dicussed my account with him. Never mind you, he is not on the loan. He informed me, as well as them that the vehicle 's motor went out while driving from Virginia back to South Carolina. After the recovered the vehicle and even possibly sold for the vehicle theyre still indicating I owe them a balance of about {$8000.00} even though i been trying to surrender the car before the motor blew out. Theyre still reporting as involuntary repo for the last five years. I need and want this remove
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Experian XXXX XXXX, 2022 but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXXXXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1400.00} and XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello My name is XXXX XXXX XXXX, I am writing this to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I'm trying to buy a home for my family and with these items on my report I won't be approved. I ask that the items be corrected on my credit report. I reported the theft of my identity to the federal trade commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Mortgage

XX/XX/XXXX Hello, I have a mortgage with Chase. On XX/XX/XXXX, I sent a check to Chase XXXX XXXX XXXX XXXX, XXXX, AZ XXXX ) in the amount of {$6300.00} which included {$1800.00} regular payment due XX/XX/XXXX + {$4500.00} additional principal. Check # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX PA XXXX ) ) cleared my bank on XX/XX/XXXX, but {$6300.00} did not appear in my account in Chase. I contacted the customer services departments of both banks and both banks pledged to investigate the matter. 
I received a letter from XXXX. They say Our records show that the above said check was cleared from your XXXX  on XX/XX/XXXX, and the XXXX was JP MORGAN CHASE. Also, XXXX provided me with a Source of Receipt ( SOR ) that describes this transaction and a photocopy of the check. I sent this information to Chase and ask them to conduct an investigation to find my money. 
I received several letters from Chase that copy each other and say : Our research shows that your check XXXX dated XX/XX/XXXX, for {$6300.00} was not received to be processed for your mortgage account As a result : 1. {$6300.00} disappeared from my account in XXXX 2. During the last four weeks, neither institution seemed all that bothered to contact each other, conduct an effective and thorough investigation to resolve the case. 
I would be very grateful if you could help me to resolve this problem. 
Thank you Sincerely XXXX