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

These accounts on my report are unauthorized and unverified and I would like them removed immediately
Product: Credit reporting or other personal consumer reports

To whom this may concern, my name is XXXX XXXX XXXX XXXX and I've decided to write this report on my own behalf. According to the Federal Credit Reporting Act ( FCRA ) codes, 15USC 1681-2 ( a ) ( 1 ) & ( a ) ( c ) and 15 USC 1681-B the accounts listed in this report should not be reflected on my credit reports as they directly violate my rights as a federally protected consumer. According to these codes listed in my statement, it is Non permissible for a creditor to report anything under any circumstances, without the proper authorization and prior written approval and instructions from me. No consent constitutes identity theft. So, as a federally protected consumer, I am exercising my rights and demanding the immediate removal and deletion of the listed accounts in this report.
Product: Debt collection

I have not supplied proof under the doctoring of the estoppel by silence. Engelhardt v. Graves ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt in fact exists. Additionally, this was a business account from the looks of it and this company has found my personal social and put it on my credit report which is a violation Pursuant to 15 U.S.C. XXXX. This is a fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I will be consulting with an FCRA attorney about escalating this matter because your company has failed to conduct an investigation regarding inaccurate collection items on my credit report. I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. Ive paid close attention to my credit reports and have found numerous errors and fraudulent activity stemming from 2005 until now. PLEASE SEE ACCOUNTS ATTACHED AND REMOVE.
Product: Credit card or prepaid card

Case # XXXX C F P B : This complaint ongoing since XX/XX/2022! 
Capital One keeps closing marked as duplicate as I submitted several times to TRY TO GET A RESOLUTION from Capital Capital closes without letter and resolution each time and frankly I am really tired of this! 

Capital : Letter please as to why duplicate case closed without resolution
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX XXXX for {$310.00}. I do not have a contract with XXXX XXXX, and was not provided the original contract as requested. My request to remove this illegitimate account from my credit report has already been honored with by another credit bureau XXXX as of XX/XX/. Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company has no permission to report anything using my personal information pursuant to 15 USC 1681 4.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian XXXX XXXX  XXXX XXXX, Texas XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, Pa XXXX XX/XX/2020 Dear Sir or Maam, I am taking this time to write you about updating my personal information with your company. 

Please update to my full legal name : XXXX XXXX XXXX XXXX remove all other names or alias such as : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. 

The post office will not be able to deliver to inaccurate addresses per Fair Credit Reporting Act since they are not accurate. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX SSN : XXXX DOB : XXXX CC : Driver License CC : Bank Statement Address
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 USC1681. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Hello, On XX/XX/year> at XXXX XXXX I deposited XXXX {$100.00} bills totaling {$6700.00}. The atm took the money then updated its software and didnt record the deposit leaving my account negative and my bills not being paid. Chase didnt even want to credit my account partially for their fault. They have cameras. They can see a deposit. Luckily I took photos of something I have never seen at an ATM before and attached them.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX 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 6XXXX ( a ) ( XXXX ). ( A ), please investigate the unverifiable account below. 
XXXX XXXX XXXX BALANCED {$2400.00}
Product: Checking or savings account

Starting in XX/XX/2017 Bank OF AMERICA called me about fraud use on my debit card ... it aslo showed from XXXX  deducting over {$1000.00} ..beside other deductions. 

XXXX charges continued 4  times a month ... unauthorized for the next year. 

Since last year 4 charges a month has been deducted from my account ... i filed each time w bank and now after numerous calls and discussions they inform me i should of filed these claims as unuthorized charges vs. fraud charges .. 

THE BANK FRAUD DEPT HAS ALL THE CLAIMS. 

THESE ARE THE CLAIM ID NUMBERS.. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX does not see any of these charges on thes claims being deducted from my account. 

One charge this past XX/XX/XXXX was for {$1800.00} when my monthly payment is {$76.00}. 

Poor communication W banking employees not knowing how to help their customers filed correctly. if it is fraudulent naturally it is not authorized. 

They told me once claim is filed one way it cant be refiled another. im out about {$9000.00}.
Product: Mortgage

I was informed today by my homeowner 's insurance company that my mortgage company did not make the required and properly impounded payment. When I contacted my mortgage company regarding their error I was told they had changed vendors, however they informed me this change had occurred AFTER my payment was due. They were unable to correct the issue and told me my only avenue was to have the insurance company contact THEM.
Product: Credit card

Subject : Dispute Case # XXXX - XXXX XXXX Dear Chase Bank Customer Service XXXX I am writing to address a matter regarding the dispute case associated with XXXX XXXX XXXX referenced as Case # XXXX. Recently, I received correspondence from your bank indicating that the dispute has been resolved. However, I want to stress my concern again as below.

In the course of my conversation with your representative, she explained that the hotel had invoiced me directly in US dollars, totaling {$960.00}. Conversely, the XXXX XXXX had previously communicated with me via email, indicating that the charges were made in XXXX dollars, amounting to XXXX XXXX dollars. I was further informed that Chase Bank 's exchange rate conversion resulted in a charge of {$860.00} for the equivalent of XXXX XXXX dollars. 

Given the evident disparity between the charges in XXXX dollars and the XXXX dollar amount communicated by XXXX XXXX, I kindly request that you initiate communication with XXXX XXXX to reconcile the price difference. My dispute is rooted in the discrepancy in charges rather than any dissatisfaction with the services provided by the hotel. 

If you believe that XXXX XXXX did not make any mistake, please list the charges about the foreign exchange of this XXXX XXXX dollars from Chase bank. 

I appreciate your prompt attention to this matter and kindly request that you address the pricing issue with XXXX XXXX at your earliest convenience. Please keep me informed of any developments in this regard. 

Thank you for your assistance in resolving this matter. I look forward to a swift resolution and a prompt update on the progress made.
Product: Debt or credit management

XXXX XXXX XXXXXXXX XXXX  collected my money for approx XXXX yrs claiming to have placed in an account in my name of which I never got balance or had access of. After many attempts a series of calls to me asking me to approve and fund added expenses and fees I received a bill for similar amount of my estimated deposits I sent in and they then ruined my credit by XXXX late and not paid as agreed. I never got notice of class action or charges pending for similar actions
Product: Credit card or prepaid card

On XX/XX/2023, I purchased XXXX tickets for the XXXX  concert at the XXXX XXXX for XX/XX/2023. They were to be delivered electronically via email. 

I received an email the tickets had been transferred but never received the tickets. I called several times speaking with a customer service rep to had me search all of my email boxes for XXXX XXXX XXXX and XXXX XXXX. 

After the tickets could not be located, the rep said they would contact the seller and have him retransfer the tickets. 

In the meantime while waiting for the retransfer of tickets, I called and emailed XXXX, checked my email boxes daily, and checked my XXXX account daily. 

The concert came and went with no help. I contacted XXXX who was not able to provide a refund. I contact my Bank of America card to dispute the purchase. This week I received a closed dispute letter from Bank of America saying I was responsible for the charges. 
Attached was XXXX policy but nothing about an investigation into this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed my the reported information regarding my account multiple times. All Student loans, those in collection and not, were put on a federal administrative forbearance during the covid-19 pandemic of XXXX. This was also extended multiple times. These account was paid off during the time it was in administrative forbearance in XXXX of XXXX. The accounts are still reporting as collections and the reporting agency is reporting my account as a collection as of XX/XX/XXXX XXXX  when this account was paid off and closed XX/XX/XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to Credit bureaus today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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: Money transfer, virtual currency, or money service

XXXX {$130.00} XXXX {$380.00} XXXX {$120.00} Filed claim-11/3/22 with XXXX Filed claim with bank XXXX  XX/XX/XXXX and requested new debit card Filed claim with Affirm XX/XX/XXXX and provided documents from XXXX and XXXX to Affirm. 
I was in Affirm word close both loans and that I would not be responsible for loans. I was told I may continue to receive alerts but was told to ignore them. 
I checked my credit score in. XX/XX/XXXX and Affirm reported these loans to Credit bureau as delinquent.
Product: Mortgage

I received a phone call from Quicken Loans on or about XXXX 2015 informing me I could refinance my current mortgage at a lower rate with no points and no costs. We began the process and locked the rate at 4.250 percent ( with no points and no costs ) and a rate lock expiration of XXXX XXXX. 

I was ready well-before the date, but XXXX was not. When they were ready, on about XXXX XXXX, I was told the rate lock had expired and that I could only have the rate that was promised ( 4.250 % ) if I agreed to pay points ( a little less than 1 % ). It feels pretty much like XXXX pulled a bait and switch, because I can point to XXXX periods in the process where they went radio silent for approximately XXXX weeks in total between the beginning of XX/XX/XXXX and end of XX/XX/XXXX ( this can be documented. ) Additionally, on or about XX/XX/XXXX-XX/XX/XXXX, I sent a series of emails to the loan officer expressing increasing alarm at the looming deadline. 

They do not deny being the cause of the delay that caused the expiration of the rate lock, but they will still not honor the offer made to me originally and that I in good faith moved forward under. I am saddened that I have to file a complaint for them to do the right thing, but here we are.
Product: Mortgage

I applied for a VA loan thru K & G Capital Mortgage and the owner XXXX XXXX. After submitting the loan application, XXXX XXXX told us we were pre-approved. After waiting with minimal communication XXXX XXXX us an email saying there will be issues with the loan. I am not upset because the disapproval, I am upset because XXXX XXXX led us on. During the wait time I have depleted my savings account to pay my debt down. Temporary housing and my son will probably not be able to pass his grade due to him missing school. We could not enroll him because we do not have an address. Today after 30 days we are going to be homeless and my son is not enrolled in school yet. I am a XXXX veteran and this is no way to treat a veteran.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1800.00}, {$560.00}, {$550.00}, {$900.00}, {$1100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 


2. XXXX XXXX XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$560.00} -This is not my account. 


-- COLLECTION ACCOUNTS -- 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$550.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$900.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account.
Product: Credit reporting

on XX/XX/XXXX, my score went down about XXXX point without any change in my financial status. I have n't applied for any new credit or loan, all credit card balances are lower then ever. nothing negative basically. I understand what effects my credit and I am always monitoring it. My credit suppose to go higher not go down XXXXpoints. I already disputed issue with XXXX and they were able to fix it.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX FTC Complaint Number : CFPB Complaint : XX/XX/XXXX Subject : Formal Dispute and Demand for Immediate Resolution of Fraudulent and Erroneous Credit Reporting To Whom It May Concern, I am formally disputing significant inaccuracies in my credit report and demanding immediate corrective action. My credit score has unjustly dropped nearly XXXX points due to a fraudulent XXXX XXXX account that has been reported and updated monthly. I previously submitted a notarized affidavit proving I am a victim of identity theft, yet Equifax continues to allow this fraudulent account to damage my credit profile. 

Additionally, I am disputing the balances reported for my XXXX XXXX and XXXX XXXX credit card accounts, both of which have a XXXX balance. These reporting errors are unacceptable, and I demand they be corrected immediately. 

Equifax 's continued failure to address these issues mirrors past cases where plaintiffs prevailed against the company : XXXX. XXXX v. Equifax Information Services, LLC The plaintiff won over {$180000.00} after Equifax failed to correct errors despite repeated notifications. 


XXXX. XXXX v. Equifax, LLC A {$60.00} XXXX settlement was awarded due to failure to properly handle disputed information and identity theft claims. 


XXXX. XXXX v. Equifax Information Services, LLC The plaintiff secured damages after proving Equifax negligently maintained inaccurate credit reports that led to severe financial harm. 



These cases underscore the legal consequences of failing to fulfill obligations under the Fair Credit Reporting Act ( FCRA ). Your continued negligence in resolving these inaccuracies not only harms me financially but also exposes Equifax to further liability. 

The accounts in dispute are as follows : XXXX XXXX Account : XXXX, Opened : XX/XX/XXXX, Balance : {$7800.00} XXXX XXXX XXXX XXXXXXXX, Opened : XX/XX/XXXX Balance : XXXX {$200.00} Fraudulent Inquiries : XXXX XXXX Attached, you will find : My notarized affidavit proving identity theft. 

Supporting documentation, including my FTC and CFPB complaint records, Social and ID. 


I urge Equifax to immediately : 1. Remove the fraudulent XXXX XXXX account & XXXX XXXX 2. Correct the balances on my XXXX XXXX and XXXX XXXX credit card accounts. 


3. Update my credit report and reflect the corrected score.

You are required to provide a written confirmation of your investigation and resolution. Failure to address this matter promptly will leave me no choice but to pursue legal remedies, including filing a complaint with relevant authorities or initiating a lawsuit for damages. 

I expect full resolution of these issues within the timeline mandated by the FCRA. 

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

This account is not mine. Ive disputed with original company and with credit bureaus. Ive sent over all documents stating my case and information to prove its not my account. This item keeps reappearing on credit file without proper verification. This account needs removal. 
This XXXX XXXX XXXX XXXX and XXXX XXXX  accounts needs removal
Product: Credit reporting or other personal consumer reports

I have no wet signatures with any debt collection agency and Id like it removed from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

the money source mortgage co in the month of XXXX has reported to the credit bureaus the i am delinquent and 30 days late i have called multiple times to have them fix there mistake with no luck they say they will return my call but never do this has completely destroyed my credit with a cascade effect such as other institutes cancelling or lowering my credit limits to even further take my score lower in the past 60 days my score has dropped over 150 points for no reason i have never made a late payment on any of my accounts i worked for the last nine years to build perfect credit this has taken away all the hard work in a moment please help me with this
Product: Credit reporting, credit repair services, or other personal consumer reports

All of this information is listed on my credit file and is in error. Per the Credit Act of 2020 section 401, this should be removed as I don't have agreement or contracts authorization these inquiries. I've checked with the bureaus and they are unable to validate but refused to remove. 

XXXX XXXX XXXXXXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX  All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX/XXXX  XXXX Bank - Installment Loans Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX/XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXXredit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX/XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX US SM BUS ADMIN ODA Federal Government Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX  XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX/XXXX  XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XX/XX/XXXX