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

PERSONAL STATEMENT CFPB 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 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 / XXXX XXXX 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 these fraudulent accounts in my report and CREDIT BUREAU 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, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are 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 these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Vehicle loan or lease

I moved from XXXX to XXXX  State and changed my address with GM credit. My bills have been returned to the sender and one call was made to me to pay before the bill became past due. The problem continued to this day and I still have not received bills. GM credit reported me to the three credit agencies and told me I should have known the date. All payments were made by phone the day the call were received.. I've written them to have this taken off and they just send me verification of the loan without removing the late payments from the credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX US DEP ED Company Inquiries 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 XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. My information was impacted by the Equifax data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All is being investigated by the XXXX.
Product: Money transfer, virtual currency, or money service

Bank of America stole XXXX some odd dollars from me that say that they closed my account and was going to send me a check with my money did all they then they never did all I keep getting is my bank account statement saying how much is in my account and so when I went into the bank they just keep giving me the runaround
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. Please update for lawful accuracy. Otherwise, update ASAP. Below are the inaccurate items : XXXX XXXX XXXX XXXXXXXX XX/XX/2022 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 card or prepaid card

On or about XX/XX/20 there was a XXXX purchase of {$19.00} to my card ending in XXXX, which I didn't make and I reported this to Capital One fraud department. They reversed the charge and ordered me a new card. 

On about XX/XX/20 there was a XXXX  purchase of {$44.00} to my new card ending in XXXX which I didn't make and I reported this to Capital One fraud department. Keep in mind that this happened while I was waiting for the new card to arrive. They reversed the charge and ordered me a new card. 

On XX/XX/20 there was yet another attempt to make a XXXX   purchase of {$9.00} to my card ending in XXXX. I reported this to Capital One fraud department. I am starting to feel that Capital One or someone affiliated with Capital is giving my my personal information out. I don't feel that my personal information is safe at all. I am not a XXXX  customer which is why I feel my information is being sold.
Product: Credit reporting or other personal consumer reports

These accounts are not mine- XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Under FCRA 605B, it's required to remove any inaccurate accounts from my credit report. This account has been reported inaccurately, and I request its removal. I should receive {$1000.00} for each erroneous report on my credit file.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX : XX/XX/year> Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA XXXXection 605B ( 15 U.S.C. Section 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of credit cards, auto loans, and inquiries from DEPTEDXXXX, ACCOUNT NUMBER : XXXX, BALANCE : {$3500.00} ; DEPTEDXXXX ACCOUNT NUMBER : XXXX, BALANCE : {$1000.00} ; DEPTEDXXXXXXXX, ACCOUNT NUMBER : XXXX, BALANCE : {$6100.00}. These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached copy of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

Home Bridge Financial failed to uphold it 's part of it obligation in servicing my 203 ( k ) loan. They did not properly vet the contractor. After speaking with police, the person we thought was a contractor is a con man. He does not hold a valid contractor 's license. He can not perform any work in our city. 

As required by the HUD guidelines it is up to the mortgage company to ensure that the contractor is licensed, certified, and can perform the work required. Home Bridge failed to to this. They certified a person who had no experience with construction work, was not licensed and could not complete the work. 

That would be forgivable if it were not for what happened next. According to my agreement with home bridge as evidenced in the attached documents, and to the HUD FHA Single Family Handbook, Home Bridge is supposed to ensure that all permits have been pulled before releasing any money from our escrow account. Yet Home Bridge released more that {$35000.00} to a con man without a single permit being pulled. In fact there is literally no way the " contractor '' could have gotten a building permit since he is n't licensed. 

When I begin to have issues with the contractor that seem insurmountable I contacted Home Bridge. Up to that point I thought I was dealing with a licensed contractor who was working legally. Our HUD consultant told us that the work was done and getting done correctly, and we, being completely new to this process believed that. It was not until it was pretty obvious that something was wrong that we realized it. 

We went to License and Inspections to try to get more information. It was then that we discovered that there were no permits on our property. In fact no one had ever tried to apply for a permit in at least 4 years. Confused and angry we called Home Bridge. 

We knew that we had signed a document that stipulated that money could n't be released without permits. We knew that money had been released. And we knew that no permits were submitted or granted. We did not yet know that this person was not even licensed. 

Home Bridge flat out denied that they had any obligations to check out our contractor 's background. The also denied knowing if permits were required before the draw. They denied that the HUD FHA Single Family Handbook had any guidance on their procedure. I have sent them numerous emails. I have  made several phone calls, and i have tried to work this issue out with them. 

What upsets me most is Home Bridge, despite violating our contract and the FHA guidelines, demands that I and my husband pay for their mistakes. Even if we did " pick the contractor '' we did so in good faith and from the position of first time home owners. Home Bridge was supposed to be a check on our inexperience. They we supposed to make sure this situation did n't happen. Instead it seems as though the did not do what was required of them and are content to ignore the issue while demanding that we pay them money they had no right to give in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information, birth certificate drivers license and social security card was stolen I discovered that my personal information had been used by someone else. I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods or services as described in this report I did not receive any money, goods, services or other benefit as the result of the events described in this report. 

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 ) 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 XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} balance 120 days late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX XXXX XXXX XXXX U.S. Department of Education XXXX XXXX XXXX {$2400.00} Inquiries Name Type XXXXXXXX XXXX XXXX XXXX Individual XX/XX/XXXX XXXX Individual XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Individual XX/XX/XXXX XXXX Individual XX/XX/XXXX these accounts are hurting my credit dramatically they are in my chances of owning a home for my family please reconsider investigating this matter XXXX XXXX XXXX Credit card Closed XXXX XXXX Credit card XXXX XXXX XXXX Credit card Closed XXXX XXXX Credit card Closed XXXX  Installment Closed XXXX Installment Closed XXXX / XXXX XXXX Closed Deptednelnet Installment Closed XXXX XXXX XXXX Credit card Closed Us Dept Ed Installment Closed XXXX/XXXX Installment Closed XXXX XXXX Credit card Closed XXXX/XXXX Installment Closed XXXX Collection Closed Please investigate this matter immediately remove an inaccurate information
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECEIVED A LETTER OF DENIAL FOR A CREDIT CARD.ENCLOSED WAS 3 REPORTING AGENCIES PROVIDING THE CREDIT CARD COMPANY WITH INFORMATION WHICH RESULTED IN THE NEGATIVE DECISION.I CONTACTED 2 OF THE 3 AND SUCESSFULLY RECEIVED ASSURANCE OF MY REPORT BEING FORWARDED.TRANSUNION TOTALLY AUTOMATED. " SELECTIVE HEARING '' TO MY ANSWERS.WRONG ANSWER IN THEIR OPINION SUCH AS WHERE I NOW LIVE SAME AS WHERE I RECEIVED LETTER OF DENIAL SAME AS OTHER 2 AGENCIES AKNOWLEDGED AND I WAS FORCED TO START OVER AND OVER IN A LOOP.I WAS TOLD TO CALL BACK WHEN I HAD CORRECT INFORMATION.I CONTACTED THEIR CUSTOMER SERVICE AND WAS GIVEN A THIRD TOLL FREE NUMBER TO SPEAK TO A " LIVE '' CSR.NOT SO.WORSE LOOP.NOTHING CORRECT, DRIVERS LICENSE BIRTH DATE SS NUMBER ALL '' WRONG '' AT SOME POINT.DEAD END.CANT REQUEST ANYTHING.LOCKED OUT.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit file, I have noticed several unauthorized credit inquiries that were made without my explicit authorization.

I would like to request and formally ask Experian to promptly investigate and remove the unauthorized credit inquiries from my credit report. These inquiries have negatively impacted my credit score and financial standing, and I believe they were conducted without my consent. 

Please find the details of the unauthorized inquiries 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
Product: Mortgage

In XX/XX/2022 we were offered by nation star a chance to defer our monthly mortgage for a year due to Covid, after which the federal would be added to the end of our mortgage contract. In XX/XX/2022 we began calling to begin paying again whereby nation star told us we needed to apply. We had already been told and applied online, answering their info so we assumed we were already accepted. When we tried to begin paying they told us we needed to send documents which we did for 5 months. We sent over 35 documents but they kept delaying. Finally we decided to sell to cover our mortgage costs. On closing they charged us interest for all those months
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 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 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The bankruptcy listed on my credit report is inaccurate. Please identify the method that have used to verify the information in the bankruptcy. The bankruptcy belongs to another person with the exact same name as me living in my area. So do all of the accounts listed below. It is a violation of the FCRA to report inaccurate information. Please show me in writing the verification of my social security number against the actual paperwork shown on the bankruptcy. Not  one  that is displayed on a public website.     These accounts are also not mine they belong to someone else.      1.    XXXX   XXXX    XXXX   2.      XXXX   XXXX    XXXX   XXXX   XXXX  3.   XXXX   XXXX   XXXX    XXXX   XXXX  4.   XXXX   XXXX   XXXX   XXXX    XXXX  Please delete these items including the bankruptcy if you can not verify these within 30 Days. Verification means to be able to testify in court, under oath with written proof. You are also in violation for providing truncated account numbers. These are not my account numbers. None of mine end with XXXX. Please delete.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against TransUnion for their failure to properly address my disputes regarding inaccurate items on my credit report. 
On XX/XX/year>, I mailed a dispute letter to TransUnion via USPS certified mail ( tracking # XXXX ) requesting an investigation into inaccurate items on my report. In addition, I disputed incorrect personal information listed on my credit report. To help TransUnion verify my identity and address, I included a copy of my photo ID, social security card, and a recent bill with my current address. 
I received a response from TransUnion dated XX/XX/year>, stating : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. 
Subsequently, I sent another dispute letter on XX/XX/year>, because a direct dispute letter to XXXX XXXX XXXX, an account listed on my credit report, was returned to me as undeliverable, making this an unverifiable account. I demanded that TransUnion remove this account. However, I received the same response from TransUnion dated XX/XX/year>, reiterating : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. 
According to the Fair Credit Reporting Act ( FCRA ), if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 
It appears that TransUnion has violated my consumer rights by not conducting a reasonable investigation upon receipt of my disputes, which they are required to do in accordance with the FCRA. 
I am including copies of my dispute letters sent to TransUnion along with TransUnions responses as proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account reporting on my credit file with XXXX XXXX XXXX it's showing a partial account number of XXXX. The account was paid in full but for some reason it's reporting as a repossession. I don't dispute the fact that the payments were delinquent but the car was turned in after the lease was completed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ( a ) ( XXXX ) : There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

I demand a deletion of all my personal identifiable information from my consumer credit report to respect my privacy rights apart from : Full Legal ame : 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 XXXX Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. 

XXXX Name : XXXX & XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Bank XXXX : XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Bank Name : XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Bank Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Bank Name : XXXX XXXX Account Number XXXX XXXXXXXX Please remove it from my credit report. 

XXXX XXXX XXXX Section XXXX A. XXXX any consumer has the right to privacy. 
XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without prior consumer 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 th

an seven years.
15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any 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

TransUnion Consumer Solutions refuse to remove fraudulent and inaccurate information from my credit report. I have provided legal documentation to them by certified mail and they refused to remove fraudulent and inaccurate information.