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

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX CT IL XXXX Bankruptcy XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/2018 ; XXXX Bankruptcy XXXX XXXX XXXX bankruptcy XXXX Reference # : XXXX Date Filed/Reported : XX/XX/2018 ; According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX ] [ XXXX, Colorado, XXXX ] XX/XX/2024 EQUIFAX INFORMATION SERVICES XXXX XXXX XXXX XXXX GA XXXX Subject : Dispute and Request to Update Personal Information Dear Sir/Madam, I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : Name : My current legal name is XXXX XXXX XXXX, but it is listed incorrectly on my credit report as XXXX, XXXX, XXXX. I request that my name be updated to reflect the correct information. 

Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX, Colorado, XXXX, but my credit report shows an outdated address as XXXX XXXX XXXX XXXX XXXX ARIZONA XXXX, XXXX XXXX  XXXX XXXX ARIZONA XXXX, XXXX XXXX XXXX XXXX XXXX ARIZONA XXXX, XXXX XXXX XXXX XXXX ARIZONA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FLORIDA XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX COLORADO XXXX. I request that my current address be updated accordingly. 

Contact Information : I request that my new phone number, ( XXXX ) XXXX, be updated as my primary contact number. 

-I have enclosed copies of supporting documents to verify the accurate information provided above. The documents include : -A copy of my driver 's license or passport displaying my correct name. 
-A recent utility bill or bank statement showing my current address. 
-A copy of my phone bill or any other official document that displays my correct phone number.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX -- The status of this report is incorrect, please change it XXXX XXXX  XXXX XXXX  -- This Information is Incorrect. please remove this inaccuracy from my report XXXX XXXX -- This Information is Incorrect.please remove this inaccuracy from my report XXXX The following personal information is incorrect. 
Please remove it from my credit report XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX
Product: Credit reporting or other personal consumer reports

My rights have been violated. I didnt give these companies consent or written permission to report in accordance to 15 USC 1681b. 15 U.S.C 1681 section 602 A. States I have the rights 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 They are thereby reporting fradulent erroenous information. A willful violation under 15 USC 1681C-1 and and per 15 USC 1681c-2 these need to be removed in 4 days.These are causing defamation of my character and my public appearance. I will have bo choice but to seek litigation in small claims court if this isnt fixed. see attachments
Product: Credit reporting, credit repair services, or other personal consumer reports

ok now proof of my written authority with my consent to prove that the company is not violating my constitutional rights. these are the laws that protect my rights below since the company is telling me what ever inquiries they have what so ever... they have my written permission to put it up for two years ... by law if they can not provide information which i know i didn't consent to i am ready to get a lawyer and 15 u.s.c 1681 section 602 A. XXXX XXXX XXXX text15 U.S. Code 1681 - Congressional findings and statement of purpose states I have the right to privacy 15 u.s.c 1681 section 604 A section 2 : law.cornell.eduhttps : XXXX XXXX15 U.S. Code 1681s2 - Responsibilities of furnishers of ... it also states a consumer reporting agency can not furnish a account with out my written instructions. 

15 u.s.c 1681c. ( a ) ( 5 ) section XXXX XXXX XXXX  XXXX U.S. Code 1681c - Requirements relating to information contained in ... states : no consumer report containing any of the following items of information. Any other adverse item information, other than records of convictions of crimes which antedates the report by more than 7 years 15 u. s.c 1681s-2 ( A ) ( 1 ) XXXX XXXX XXXXXXXX XXXX15 U.S. Code 1681s2 - Responsibilities of furnishers of ... A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Debt collection

Santander is trying to collect a debt and reporting negative information to my credit report for an account that that been paid in full by XXXX XXXX auto insurance.
Product: Debt collection

I received a collection letter from XXXX  for {$66.00} dated XX/XX/2018. I promptly disputed the debt, requested validation, and requested that they cease and desist all collection efforts, including credit reporting, until they either validate the debt or notify me they do not intend to attempt to collect in a letter I wrote to them on XX/XX/2018. This collection agency did not do either one. They failed to respond, did not provide validation, and still continue to report this invalid information on my credit report. Reporting information to the credit bureaus is considered collection activity. It is a violation of the FDCPA to further attempts to collect without validating information after it has already been disputed. This information furnisher did not respond to my dispute and must remove the information from my credit files at this time.
Product: Student loan

I went to XXXX XXXX and they encouraged me to obtain a genesis student loan and federal loans to help pay for the program which was 36,000. I graduated XXXX 2014 from the XXXX program. Some of my class mates have already started getting reimbursements due to the lawsuit with over charging for the program. I want to make sure my case was not over looked
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

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

Hi, In the fall we refinanced our mortgage with Wells Fargo. 
After we filled out the paperwork, they set us up to get an appraisal with a completion date of XX/XX/XXXX. Wells Fargo then set a closing date of XX/XX/XXXX. The appraisal was ordered on XX/XX/XXXX and was completed XX/XX/XXXX, and then we waited. The appraisal came in 2 days early on XX/XX/XXXX. Which was scheduled to be in. time for a closing of XX/XX/XXXX. Just before XX/XX/XXXX we revieved a call from our loan officer, telling us that we needed to pay {$750.00} for a lock extension to ensure our rate of 3 %. He said with all the business they had, the docs department could not produce our documents by XX/XX/XXXX. He said that if we did not sign the lock extension, we would have to start the process over from the beginning. So we signed. Wells Fargo then moved our closing date from XX/XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX the day we closed the mortgage, the mortgage rate at Wells Fargo was still 3 %. 
I am asking that my {$750.00} be returned. Wells Fargo knew the date the appraisal would come in, but yet they set and decided not to move the closing date. They said our documents sat in their documents department too long. They said the appraisal took too long. 
1. The appraisal came in 2 days earlier than they told us originally. 
2. They picked the appraiser. 
3. They controlled how long the documents sat in their documents department. 
4. I should not have to pay for their inept handling of the refinance. 

I wrote to them on XX/XX/XXXX. On XX/XX/XXXX they wrote back and blamed the delay in the appraiser. In our closing documents, Wells Fargo also attempted to charge us a mobile notary fee. We saw that and objected, since there was no use of a mobile notary. 
In reviewing our claim they said they place that fee in every contract. People must ask to have it removed if there is no mobile notary. How many people do n't realize it is in there or do not know to take it out?? I would venture to say that 90 % of their closings do not involve a mobile notary. What a scam!! 
I hope someone will look into other cases where the closing delay was caused by Wells Fargo and they extorted a payment of a lock extension fee. I hope someone will force them to not place the mobile notary cost in every contract. If people do n't see it or understand they can ask it to be removed ... Wells Fargo gets money for nothing. 
I thank you for any help you can provide, XXXX, Or XXXX
Product: Credit reporting or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Credit reporting laws ensure that bureaus report only 100 % accurate information every step must be taken to ensure the information reported is completely accurate and correct. 
The following information therefore needs to be re-visited. I respectfully request to be provided proof of these inquiries were in fact authorized with an instrument bearing my signature for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon as possible : INQUIRES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The listed inquiries were without authorization, and no legitimate business purposes. As such, it is a very serious error in reporting. Please delete this misleading information and XXXX a corrected credit profile to all creditors who have received a copy within the last 6 months or the last XXXX years for employment purposes. 
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, you have 30 days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy of the completeness of the information is hereby requested, to be provided within 15 days of completion of your re-investigation.
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 accounts and inquiries : XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT. THE FOLLOWING ACCOUNTS WERE USED UNAUTHORIZED. REMOVE IMMEDIATELY THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT. 

XXXX. XXXX XXXX XXXX XXXX Mortgage XXXX. XXXX RPM XXXX XXXX XXXX XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Collection XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Collection XXXX. XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Collection INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

National Credit System billed amount XXXXXXXX XXXX  -- -this account should not be furnished on my consumer reports as they are in violation of 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. Please delete these items immediately.
Product: Debt collection

Cease and Desist Demand Under 15 U.S.C. 1692c Debt Collection Communication Dear JPMCB AUTO, I am writing to formally demand that you immediately cease and desist from all further communication with me regarding the alleged debt account number ( XXXX ) as well as any future communication related to this matter. This demand is made pursuant to 15 U.S.C. 1692c of the Fair Debt Collection Practices Act ( FDCPA ). Specifically, under 15 U.S.C. 1692c ( c ), I am exercising my right to request that you cease all further contact with me regarding the above-mentioned debt. Please consider this letter as my formal written notice that I no longer wish to be contacted by your agency regarding this matter. As required by law, this letter serves as an official demand that you : 1.Cease and desist all communications with me, either directly or indirectly, regarding the debt in question. 2.Cease any further attempts to contact me by phone, mail, email, or other methods unless such contact is required by law or for the purpose of informing me of specific actions you are taking ( such as legal action, if applicable ). 3.Provide written confirmation within 30 days of receipt of this letter that all communication has been terminated in accordance with my request. Please be advised that any further communication in violation of this request will be considered harassment under the FDCPA, and I may pursue legal remedies available to me under 15 U.S.C. 1692k for any damages caused by such violations, including statutory damages and attorneys fees. Additionally, I request that you immediately cease any further attempts to report or escalate this matter to any credit bureaus or engage in any other action that could negatively impact my credit standing. Please note that I am keeping a copy of this letter for my records. Should this matter not be resolved in accordance with my request, I will have no choice but to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), as well as the state attorney generals office, and pursue any additional legal action I deem necessary. I trust that you will take this matter seriously and comply with my request immediately. If you need to contact me regarding any legal requirements or updates about this debt, you may do so only by written correspondence at the address above. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance in the Fair Clean Report Act. The List of accounts below has violated my federally protected consumer privacy and confidentiality under.

XXXX : XXXX XXXX has violated my rights.

Of the following : 15 U.S.C 1681 section 602 ( A ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S.C 1681 Section 604 ( A ) ( 2 ) : In accordance with the written instructions of the consumer to whom it relates.

15 U.S.C 1692C ( a ) COMMUNICATION WITH THE CONSUMER GENERALLY : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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: Credit reporting or other personal consumer reports

Company : XXXX XXXX XXXX XXXX : {$1100.00} Account # : XXXX Asking for a Fast Removal Of This Fraudulent Activity On my Report
Product: Credit reporting, credit repair services, or other personal consumer reports

I found two different hard inquiries only on my Equifax credit report. I called and informed them that I have never entered their place of business in my life. I then asked for the documents that they had in their possession so I could see for myself. I was told they only had the one because I had submitted an application twice and when that happens they simply change the date on the original. I also asked for a copy and was told to just dispute it with Equifax. The party above with the two hard inquiries was XXXX XXXX XXXX of XXXX XXXX with one inquiry on XXXX XXXX and again on XXXX. 
I was also informed that during this time frame the people I spoke with had not yet began employment there and that all parties who were working during this time frame were no longer employed there.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Charge Off XXXXXXXX XXXX XXXX XXXXXXXX - {$3900.00} XXXX XXXX XXXXXXXX - {$910.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX {$1100.00} XXXX XXXX - XXXX - {$1300.00} XXXX XXXX XXXXXXXX - {$2000.00} XXXXXXXX XXXX XXXX XXXX  XXXX - {$2700.00}
Product: Debt collection

Two collections items appeared on each of my credit reports ( XXXX  and XXXX  ) XX/XX/XXXX. The debits are claimed to be from XX/XX/XXXX, for {$50.00} and {$32.00}. I have no knowledge of these accounts. I called their ( AMERIFINANCIAL SOLUTIONS ) number ( XXXX ) provided on the credit reports. On the phone call, I provided my Information ( SSN, DOB, First and Last Name ), the person would not provide an account number or any information on the debit and hung up the phone.
Product: Credit reporting or other personal consumer reports

FCRA Viloations not mine not my credit cards XXXX  XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$6300.00} Status Account charged off. {$6300.00} written off. {$6300.00} past due as of XX/XX/XXXX. 
XXXX  XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$2200.00} Status Account charged off. {$2000.00} written off. {$2200.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. 
XXXX  XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1700.00} Status Account charged off. {$1700.00} written off. {$1700.00} past due as of XX/XX/XXXX. 
not my addresses XXXX XXXX XXXX XXXX XXXX, IN XXXX Resident type XXXX  family XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX TX XXXX XXXX type XXXX  family XXXX XXXXXXXX XXXX XXXX  XXXX, TX XXXX Resident type XXXX family not my phone numbers XXXX not my names XXXX XXXX XXXX XXXX XXXX not my Inquiries XXXX XXXX XXXX XXXX  Inquired XXXX XX/XX/XXXX On record until XXXX XXXX XXXX  XXXX  Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit takes too long to increase and for just ONE MISSING payment went down more than XXXX points, thats not fear, it tooks me more than a year grow my credit and in a day you put it over the ground. Completely UNFAIR. I understand that has to go down but not from XXXX to XXXX  for just one missing payment. I need more respect and see my payment history is excelent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified XXXX in writing that I DO NOT CONSENT TO E-OSCAR or any automated investigations. I making that clear to you CFPB and XXXX. If I need to report this matter to the FTC I will with no hesitations. Yes, I XXXX XXXX XXXX XXXX XXXX am filing this complaint for myself. I know that you all try to stall process thinking a consumer has another company submitting for them, but I have enough sense to file a complaint for myself. 
In XX/XX/2022 I filed a dispute with XXXX regarding late payments being inaccurate on my credit report with XXXX XXXX. I have continuously tried to correct this issue with XXXX and have not been successful. Today XX/XX/2022 I have submitted a dispute online and have uploaded my documents for proof of my payment history that I have received from a member of management from XXXX XXXX in person. When calling in to XXXX today XX/XX/2022 I spoke with a U.S. supervisor regarding XXXX XXXX account as well and she said that she didn't see any lates, well if she doesn't see any lates then why are they reporting them on my credit report.