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

I am a victim of a data breach and identity theft, which has resulted in fraudulent accounts and unauthorized inquiries being reported on my credit file. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that you block and permanently delete the following accounts and inquiries from my credit report.

Fraudulent Accounts 1. XXXX  XXXX Bankruptcy - Account # XXXX - Filed : XX/XX/XXXX - Balance : {$0.00} 2. Chapter XXXX Bankruptcy - Account # XXXX - Filed : XX/XX/XXXX - Balance : {$0.00} 3. XXXX XXXX  - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$2600.00} 4. XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$2000.00} 5. XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$890.00} 6. XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$700.00} 7. XXXX XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$890.00} 8. XXXX XXXX XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$2000.00} Unauthorized Inquiries 1. XXXX XXXX XXXX - XX/XX/XXXX 2. XXXX XXXX XXXX XXXX  - XX/XX/XXXX 3. XXXX XXXX - XX/XX/XXXX 4. XXXX XXXX XXXX XX/XX/XXXX 5. XXXX XXXX - XX/XX/XXXX 6. XXXX - XX/XX/XXXX 7. XXXX - XX/XX/XXXX 8. XXXX - XX/XX/XXXX 9. XXXX XXXX XXXX - XX/XX/XXXX 10. XXXX XXXX - XX/XX/XXXX 11. XXXX  - XX/XX/XXXX XXXX. XXXX XXXX  XXXX - XX/XX/XXXX 13. XXXX - XX/XX/XXXX 14. XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous letters initially without sending them certified mail. I didn't think I had to but every time I asked about my letters they said they haven't received anything from me. So i sent the letters certified. The same letters just certified. 

My reason for contacting transunion was about erroneous information in my report and have not gotten any response. I have requested information about Verification/Validation and investigation methods and have received nothing. This is why I now am asking for the support of the CFPB
Product: Mortgage

On XX/XX/XXXX a three/ninety day notice from a very aggressive attorney XXXX claiming to represent a XXXX. without disclosing any debt collection notices as required by law. Soon after, I received a summons to court from Atty XXXX indicating my primary residence and home had been sold in a non-judicial foreclosure. According to my records a Notice of Sale was filed on XX/XX/XXXX then a Notice of Recission was filed on XX/XX/XXXX by Ocwen my current lender. Subsequently, no other notices were filed and I was not notified of any sale dates. I had been communications with Ocwen my lender under review for a loan modification
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I believe XXXX XXXX to be a victim of identity theft which is why I am reporting this incident. I am searching for justice and clear up my credit file report as these accounts and inquiries are incorrect and not done by me. I have plenty of incorrect information in my credit file report that I hope to repair. 
Accounts That Need To Be Removed XXXX. XXXX {$300.00} XX/XX/XXXX Inquires That Needs To Be Removed XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX Thank You, XXXX XXXX
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized account/s and inquiries XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2019 I went on vacation and was solicited by a resort promoter with free gifts and a vacation membership. I declined the offers and did not sign up. Later, the resort staff gave me some free vacation information and packet. I went home and opened it up to find a vacation membership. I was scammed by this company when they said it was free travel. They used my booking information to execute the transaction. I have called the company and disputed it directly. The original sales person doesn't work there anymore and no one is helping me. I have never used this account. I never wanted it, nor did I sign up for it. This company opened a fraudulent account and had billed me threatening to destroy my credit and foreclose on me. They have threatened to sue me. I am being defrauded and these people need to be prosecuted. This is fraud and it is not fair they are allowed to harass me. I am sure I am not the only person scammed by there people.
Product: Debt collection

Allied Interstate, Inc. contacts our business multiple times every day in reference to a worker 's personal debt despite being advised over and over that this is a business and our workers are not allowed to take personal phone calls on business lines. These tactics include calling the direct lines of every employee which are listed on our website. The calls usually total more than 10 per day.
Product: Payday loan, title loan, or personal loan

Never received no where near what they are asking to pay back. Company charges very high interest on a loan that was less than XXXX dollars I believe not. Tried to settle for what was borrowed but no resolution I wasn't aware of total amount they wanted back would have never even bothered because this is robbery .They want me to pay back XXXX for less than XXXX dollars according to my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information in my credit report file. The documents are attached and the disputed items have been circled. This item is inaccurate or incomplete.

Please investigate these issues as quickly as possible because they are having an adverse effect on my financial situation and has caused me financial distress in other areas as well.

Kindly remove or correct the information : XXXX XXXX XXXX XXXX
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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX Account # : Account number : # XXXX -- I do not have a loan through them as stated on my bureau report amongst other highly incorrect information Account name : XXXX XXXX XXXX # : Account number : # XXXX Reporting charged off company income as debt on my report along with additional inaccurate information. 

Account name ; XXXX XXXX XXXX  Account number : # XXXX Reporting charged off company income as debt on my report along with additional inaccurate information. 

However, 15 U.S.C. 1681 section 602 A. States I have a right to privacy.

However, 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.

However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is possibly incorrect.

According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

Also : 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 another adverse item of information, other than the 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Dear Bayview I am continuing modification process from prior servicer XXXX 
I am concerned as to if there is a sale date or not, as conflicting information is being received. 
The trustees confirmed the sale date is suspended on the record. 
I received different information from Bayview. 
I want to keep my home. 
If you would assist me in making sure all parties have the same information Bayview XXXX XXXX Company Bayview stating I must sign a new assistance form with Bayview before modification can be complete- I received form XXXX/XXXX/2017. 
Bayview letter stated if there was a modification in review with prior servicer - the modification would continue. 
Has Bayview received mortgage records from XXXX XXXX XXXX. 
I am confused on the process at this time receiving conflicting information. 
Would you confirm if prior servicer has forwarded a complete file I appreciate your time greatly
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and saw that a number of late payments that I do not recognize appeared on my credit report and are negatively affecting my personal credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Equifax These are the marks that I wish to be removed and updated as payment on time
Product: Credit reporting or other personal consumer reports

I am writing to dispute a serious error on my TransUnion credit report. I recently obtained a copy of my credit report and was dismayed to find that it erroneously lists a XXXX filing. I want to unequivocally state that I have **never** filed for XXXX, and this listing is both incorrect and damaging to my creditworthiness. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, you are obligated to correct or delete inaccurate, incomplete, or unverifiable information within 30 days of being notified of such an error. 

I request that you conduct a thorough investigation into this matter immediately. Please correct the inaccurate information and provide me with a corrected copy of my credit report. If you are unable to validate this bankruptcy, it must be removed from my credit report forthwith. 

I would also like to remind you that under the FCRA, I have the right to sue in federal court for any violations, and if I prevail, the reporting agency can be held responsible for my attorney 's fees. 

Please treat this matter with the urgency and seriousness it deserves. Your prompt attention to this issue is expected.
Product: Mortgage

I have been working with XXXX XXXX from XXXX XXXX XXXX on a reverse mortgage and his contact in is XXXX XXXX since XX/XX/2020. I completed the credit course in XXXX and had an appraisel on the house XX/XX/2020. The appraiser is XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX. He submitted the appraisal XX/XX/2020 and have been asked a number of times to submit some additional comparison home which he has refused to do. Mr XXXX and myself have given him some houses but he did not use them. AS of now I have not gotten my reverse mortgage and time is running out.
Product: Money transfer, virtual currency, or money service

XXXX XX/XX/2021, XXXX ( XXXX XXXX XXXX. My account ( PAYPAL ) got banned ( permanent limit ). They emailed me that, " You can no longer do business with PayPal '' Because of that, my hard earned money got hold in my paypal wallet. It is very unfair that they did not allowed me to explain. And very very unfair, after they earned in every single transaction I made. They Limit my account without consideration and they hold my HARD EARNED MONEY. We are now in pandemic. I'm very upset to what happened. Because of pandemic, Virtual sending money is necessary right now. 

If paypal don't like me to be their customer anymore, at least let me get my HARD EARNED money. My father is XXXX XXXX right now, I am the one who paid medicine. 

my paypal account XXXX XXXX
Product: Credit card or prepaid card

On XXXX XXXX, 2022, the fraud charge was {$26000.00} from my credit card. I've called several times to report and included a writing letter which I reported. I also filed a police report that my identity theft was stolen during that time.
Product: Credit reporting or other personal consumer reports

Many of my accounts on the 3 credit agencies have severe inaccuracies. 

Many accounts show do for many months which is inaccurate and must have the account removed
Product: Credit card

I inquired into a promotion that was offered to me in my personal Chase account XXXX, regarding XXXX bonus points for XXXX XXXX accounts. I inquired into whether I would receive the bonus points if I converted my existing Chase account to the XXXX Preferred version, and they replied yes. Note that there is an annual fee associated with this new account type, whereas I did not have XXXX before. So I was misled into thinking I would get the travel/bonus points, but in reality ( the story I'm hearing now ) is that the promotion was only for new accounts and not existing. But this is exactly what they told me I would receive when I converted the account, this is literally the only reason I did the conversion. Why would I pay a new annual fee for no reason? I '' ve had the prior account with Chase for like XXXX years, why suddenly change if there is no incentive? So basically I was lied to.
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.

Open 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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: Mortgage

XXXX was sold and requested documents to validate legality of debt. Have not received any documents after letter requesting all documents was sent XX/XX/2022.
Product: Debt collection

This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the USPS.

The item is not correct and is causing me financial and emotional distress because of their derogative nature. The following items must be updated : FRD MOTOR CR XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

Can you please add my credit card to my report bill attached
Product: Mortgage

My mom applied for a loan with New American XXXX  in XXXX. Meanwhile my mom passed away on XX/XX/XXXX. We have court litigation going on because my brother created a new trust but did not fund the trust with the properties and it appears the new trust will be thrown out. 

The properties belongs to the XXXX XXXX XXXX XXXX and it is recorded revealing that I am one of the co-trustees. 

The lender did not asked for proper documentation showing that my brother is legally responsible for any of the properties ( 4 ) but yet the lender made my brother the owner just on his word. 

New American ( XXXX ) XXXX Loan Numbers ( 1 ) # XXXX ( 2 ) # XXXX I expect the lender would ask for proof such a court order before changing the ownership of the properties. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am submitting this formal complaint against Navy Federal Credit Union concerning the imposition of multiple overdraft fees on my accounts since their opening in 2018. Despite having sufficient funds available at the time transactions were authorized, fees were assessed due to delayed posting of charges and credits. These practices appear consistent with recent findings by the Consumer Financial Protection Bureau ( CFPB ) regarding Navy Federals similar conduct, wherein overdraft fees were applied to transactions that settled with insufficient balances despite initially available funds. I assert that these practices are unfair and request a comprehensive investigation into the transactions on my accounts to address this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

all 3 bureaus have not updated my loan with XXXX I have a zero balance and its still shows the original balance
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I received a credit notification alert stating that a new account has been added to my credit report. I reviewed the alert from the XXXX app and observed that a new AMEX account was added to my report. After further investigating the account, I learned that this account is my wife 's XXXX XXXX AMEX account which I am just an authorized user on the account. I called on this same day and asked AMEX to remove the account from my credit report because I am just and authorized user on the account and the not the primary account holder. AEMX refused to remove and told me the only way to remove the account is if I close my card associated with my wife 's account. I told AMEX that this statement was inaccurate and made a second request, but they still refused to remove the accounts. Since they continued to refuse to remove the account, I then asked to close my card associated with which they agreed to do.
Product: Checking or savings account

Description - I initiated the XXXXXXXX XXXX  withdrawal from the Robinhood account to the XXXX XXXX XXXX XXXX XXXX account on XXXX XXXX 
XXXXXXXX XXXX was deposited into XXXX XXXXXXXX XXXX XXXX XXXXXXXX account on XXXX XXXX. 
But XXXX did a transaction reversal of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX accounts don't have XXXX XXXX 
Please follow the sequence of events below. 

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

Hunter Warfield of XXXX, FL, reached out to me in XX/XX/year> regarding a supposed debt totaling {$100.00}. After conducting thorough research, I politely requested verification of the debt via mail. 

Upon receipt of the verification letter on XX/XX/year>, I found enclosed an invoice-style document from one company and segments of a contract ( which I had previously signed ) from another company. Curious about the connection between these entities and their authority to issue an invoice, I reached out to a representative from Hunter Warfield for clarification. 

Unfortunately, the conversation did not yield the clarity I sought, as the employee 's response was difficult to understand and they seemed to mumble. Despite my repeated attempts to clarify and understand, I did not receive a clear explanation. All I understood was that " I have no right to know what contracts, if any, the two companies had signed between each other ''. 

It also remains unclear whether the company I have a contract with will try and/or is able to send me a second invoice in the future as I do not know what sort of agreement the two companies have. 

It appears that the validation of the debt remains uncertain, and I believe any impartial third party presented with the same documentation would share this sentiment. 

When I expressed that the verification of the debt was not satisfactory, they offered to settle the debt through one of my credit accounts ( which were named by the representative ). I rejected and I was informed that further assistance could not be provided, and the debt would stay in my name.
Product: Checking or savings account

US Bank closed my personal checking account and business checking account without notice to me. I have not received anything in the mail and it has been 5 days since closure. Closure was on XX/XX/year>. The personal checking account had {$12000.00} and the business account had {$5400.00}. I went into the local US bank branch today because I received an email stating that a transaction to my business account was declined because the account was frozen. 

The tellers and manager said there was no note on the accounts and could not tell me why they were closed. They said I should receive mail stating why it was closed and the checks in the mail. I have not received anything and now my bills are past due from them holding my money in limbo.
Product: Debt collection

XX/XX/year> notice a collection notice on my XXXX credit report. Called the agency ( Southwest Credit Systems ) doing the collections and after 45 minutes the could not find anything about me or the reason for the collections. 
XX/XX/year> called XXXX and they also could not give any information except who the original creditor was. XXXX XXXX. I have never done any business with XXXX and have been with my insurance company for XXXXXXXX XXXX 
XX/XX/year> Filed a Disputed with XXXX XX/XX/year> XXXX can't find anything about me without a account number and have no idea what the collections is for.
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/XXXX I received an alert that XXXX XXXX XXXX requested a copy of my credit report. I also received another alert that Equifax Mortgage Solutions also requested a copy of my credit file. On XX/XX/XXXX I received a letter in the mail from XXXX titled : Notice to Home Applicant, with details of my credit report. I have not applied for a home loan and I did not authorize either company to pull my credit. I did not speak to anyone from either company, neither did I fill out a credit application for a home loan. Equifax Mortgage Solutions said I needed to speak to XXXX, I have not been able to reach anyone at XXXX after several attempts, I even left a review in hopes that someone would reach out to me. I also called XXXX and they stated I needed to contact the company to file a dispute but I am unable to connect with anyone from XXXX.