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

Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. Please find it in your best interest to delete the items.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 Experian I checked my credit report today and noticed a inquiry for a company that I did not give authorization to pull my credit. I have attached a screenshoot from my Experian credit report which shows the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second attempt to resolve this issue, please read document for details
Product: Credit card or prepaid card

On XX/XX/2020, I received an email from XXXX XXXX that my card limit had been decreased. It was my JcPenney Credit Card. I didn't receive an adverse action notice from the company to inform me why my credit limit was decreased. On XX/XX/2020 I emailed the company requesting that my credit limit be restored to the higher limit that it was. On XX/XX/2020 I received an email response back from the company that did not tell me the reason why my limit was decreased and that it would stay at the lower limit.
Product: Credit reporting or other personal consumer reports

These two accounts are not mine and I want these accounts deleted and removed immediately from my credit reports, both of these accounts were open because my information was stolen and used to open both of these accounts, I have spoken to an attorney and I have provided that XXXX XXXX  and XXXX XXXX XXXX XXXX has failed to provide any information or documentation to prove these accounts are mine in which they are not, I will file XXXX XXXX both XXXX  and XXXX XXXX XXXX XXXX for damages and what it has done to my job prospects, all they have to do is remove these accounts including experian, because experian has been giving dozens of documents from me and this attorney all this is doing is building my case, simply remove these accounts or be sued in court, they have stolen my information and has committed identity fraud, now remove XXXX XXXX XXXX XXXX XXXX XXXX  Im tired of excuses and stop violating my rights under the fair credit reporting act This police report is sufficient to show that my information was leaked and stolen and put on the dark web, if this police report is ignored by both companies including experian they can be sued by me for damages And remove all these fraudulent inquiries on my credit report these are not mine and do not put a fraud alert on my report.
Product: Debt collection

On XX/XX/2018, I received a letter from AlliedInterstate LLC dated XX/XX/2018 regarding a debt from original creditor XXXX XXXX XXXX, creditor : XXXX, amount owed : {$46000.00}, Allied Interstate Acct # XXXX. 

I dispute the validity of this debt as it is addressed to the wrong person. Pursuant to my rights under the federal debt collection laws, I am requesting that you cease and desist sending letters to our address. You are contacting the incorrect person. You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Federal Trade Commission and the New Jersey Attorney General 's office. Civil and criminal claims will be pursued.
Product: Debt collection

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting or other personal consumer reports

I received my credit report on XX/XX/year> and notice there were accounts that do not have permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times they keep violationg my rights under 15 USC 1681b. I also have attach the hard inquiries that don't have no purpose to belong on my credit report. In acordance 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 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 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. I also asked for the original contract to be provided and it was not.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached to this complaint is a document showing a list of UNAUTHORIZED inquiries circled in RED ; that are showing on my Transunion and XXXX  credit files that I did not authorize. I am a victim of identity theft, therefore believe these are fraudulent inquiries.
Product: Student loan

I have XXXX private loans with navient and XXXX with XXXX. Since XX/XX/2011 I have been paying a loan of original balance XXXX and XXXX of XXXX. So far they I have a couple of years more to pay them due to high interest. I have loans with a 4.750 % interest and XXXX with a 11.375 % interest. Sometimes I cant afford any other things for personal use due to so many student debt
Product: Credit reporting

I FILED BANKRUPTCY IN XXXX 2011 AND INCLUDED MY XXXX XXXX XXXX XXXX # XXXX, BUT I DID NOT REAFFIRM. I HAVE NEVER MISSED A PAYMENT BEFORE OF AFTER MY BANKRUPTCY AND I WANT THIS STATUS REPORTED TO CRA.
Product: Mortgage

This is regarding OCWEN. In the last couple of years, I was granted a loan modification due to less income in the home because of my divorce. I passed the three month trial period, and OCWEN instructed me to wait for my new contract to sign. I was told everything was good to go. I waited and waited. The new agreement never came. I spoke with so many people regarding where this agreement would be. My " relationship manager '' informed me it got lost in the shuffle due to OCWEN changing hands, etc. Him, and also HIS manager, informed me it was coming, and do not make any payments until it is signed. It still never came. The next letter I received from OCWEN stated they were foreclosing on me because of this. Again, OCWEN would still not accept any mortgage payments from me! I spoke with a couple people that work in the escalations department, many " relationship managers '', and my attorney has even spoke to many people there to help me with this situation. It now appears that I have not made my mortgage payment for quite some time. My attorney spoke with someone there, who looked at my past situation and admitted that OCWEN had indeed made the mistake. She told me to fill out modification paperwork and this would all be taken care of. That OCWEN would figure a way to add my missed payments to the end of my loan or make higher monthly payments to make up for what I have missed, since this was the fault of OCWEN. Finally, I thought this was all getting resolved. However, you guys stated I do not make enough money in the declination letter. My attorney even verified I make enough to keep this house and enough to continue making mortgage payments on my home. I am a single mother with a good paying job and I want to keep my house. I honestly feel this was not my fault. OCWEN even admits it was their mistake. No one will work with me or even my attorney. I am terrified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The inquiry, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

I received a copy of my credit report and discovered a hard inquiry from your company. I did authorizing this inquiry. I did not apply for any credit with your company and have not existing accounts. 

Please delete this information from my credit report, pursuant to section 605B of the  Fair Credit Reporting Act. 

I appreciate your prompt attention to this matter, and await your reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the XXXX data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
15 U.S.C 1681b ( a ) ( XXXX ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( XXXX ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) 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. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The inquiry was not authorized XXXX BANK XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  # XXXX XXXX, GA XXXX XXXX, WA XXXX To whom this concerns, XX/XX/2021 On XX/XX/2021, my wife and I both filed disputes with Equifax sent by Certified Mail. Both of these Disputes were received by Equifax on XX/XX/2021. ( Copies of both letter/ and Certified Receipts are included here. Along with a complete Identification used in making my Dispute ). In addition, I also sent like Disputes to both XXXX  & XXXX. Where I have received Investigation Results from each using the exact same Identification Information and similar Dispute letters.

Equifax then refused to conduct the Required Investigation on the basis that I needed to provide additional identification in identifying myself. The item you choose MUST contain your complete 9-digit Social Security number. The Certified Credit report used in consideration of a Home Mortgage was provided and clearly demonstrates that Equifax accepted my Identity in selling my Credit Files to them on XX/XX/2021. Which was in turn sold by them to XXXX XXXX XXXX in consideration of a Home Mortgage. Which is clearly stated in my letter of Dispute.

In addition, Equifax also required : Please make a copy of one of the following items. Drivers license. ( see attachments ). Which was noted in my letter of Dispute, twice, and included with the Dispute. Then, you chose to send your Notice to the same Name and Address Equifax claims they have no file on? Which either demonstrates Equifaxs willingness to provide a Notice to some anonymous person you knowingly dont recognize, using my name? Or, demonstrates a Willful Noncompliance with the Federal Law : 15 U.S. Code 1681i Procedure in case of disputed accuracy.

Here Ive demonstrated the exact same information that was required Equifax, a second time. Where I now require that Equifax Delete all of the account information contained in my Dispute for Willful Failure to Investigate said accounts in the prescribed time-frame of, 30 days. As youve clearly SOLD my file to the identical information provided to you. 
Regards, XXXX XXXX XXXX CC : CFPB FTC WA AG File
Product: Student loan

To Whom It May Concern, Upon research, XXXX schools I have attended have both been closed down. However, I never obtained a degree from the schools but the student loans balance still reflects the same as if I 'm a graduate from either schools. I 've tried reaching out to my loan provider Navient however no issue have seemed to be resolved. I 'm hoping you can assist me in getting this matter resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

1 collection accountTotal balance : {$810.00} SEQUIUM ASSET SOLUTION Original creditor : XXXX XXXX  {$810.00} Balance updated XX/XX/2021 What happened? 
The dispute for the account with SEQUIUM ASSET SOLUTIONS that starts with XXXX has been updated. 

Source : XXXX  Date Submitted : XX/XX/2021 Report Number : XXXX Account Number : XXXX Company : SEQUIUM ASSET SOLUTIONS Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX GA XXXX I have XXXX never would use XXXX. I live in Florida have not been to Georgia.
Product: Credit reporting or other personal consumer reports

Dear Experian 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. 

XXXX. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX there is some inaccurate information reporting XXXX  XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX  Account Number : XXXX ***** Delete this account. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX  Account Number : XXXX Delete this account. 

XXXX. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX XXXX  Account Number : XXXX Delete this account. 

XXXX. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX Delete this account. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to Trident Asset Management, there is a {$100.00} bill from XXXX. This is not accurate. My bill with XXXX was paid in full in XXXX 2012,  when I moved from XXXX to XXXX. <P/>This continues to show on two of the credit reporting companies. XXXX and XXXX. XXXX  removed it from my file at my request. <P/>I do not have payment information that goes back to 2012 as Trident is requesting. <P/>Why does one drit reporting agency remove this from my file and the other two do not. Why is the burden of proof not on Trident Asset Management. <P/>I just switched from XXXX to XXXX for my cell service. Do you think XXXX would have allowed that if I owed them money? <P/>Please get this fake debt to go away.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions was unfeasible. The CFBS findings indicate that Zelle was not only neglected to protect consumers but also has allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

FOURTH REQUEST Request to Block and Delete Fraudulent Accounts under 15 U.S.C. 1681c-2 ( a ) To Whom It May Concern, On XX/XX/XXXX, XX/XX/XXXX, and XXXX XXXX, I forwarded correspondence demanding that you block and delete fraudulent accounts and information appearing on my credit report as a result of identity theft, pursuant to 15 U.S.C. 1681c-2 ( a ) under the Fair Credit Reporting Act ( FCRA ). I was a victim of the Transunion data breach, and my personally identifiable information was compromised, leading to unauthorized accounts being opened in my name. THIS IS NOW MY FOURTH formal request the immediate blocking and deletion of fraudulent accounts and information appearing on my credit report as a result of identity theft, pursuant to 15 U.S.C. 1681c-2 ( a ) under the Fair Credit Reporting Act ( FCRA ). I was a victim of the Transunion data breach, and my personally identifiable information was compromised, leading to unauthorized accounts being opened in my name. The fraudulent accounts in question are as follows : Account Name XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX : Account Name : XXXX  Account Number : XXXX date opened : XXXX Name : XXXX Account Number : XXXX date XXXX per 15 U.S.C. 1681c-2 ( a ), you are required to block and delete the disputed information within four business days of receipt of this request. Additionally, you must cease reporting these accounts to any third party. I expect a written confirmation from your office once the fraudulent accounts have been blocked and removed.
Product: Credit card or prepaid card

In Reference to XXXX Beginning in 2014 I began a membership with XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX these are all the same entity, an international dating and overseas bride introduction service as they claim. 

! ) Over more than 2 years there were several charges and amounts made by this company some of which were authorized by myself and some were charged to my account without my authorization. The amounts could vary from {$390.00} to {$240.00} to {$99.00}. 

2 ) XXXX XXXX does not run a legitimate service! They run an illusion that does not functionally exist, only as per billing the customer and deceiving the customer with artificial software, staff writers portraying themselves as female members, fake profiles, and a slick graphic onscreen presentation will you find services rendered but they do not perform the services they advertise and imply! Those services are supposedly communicating with women interested in meeting and marrying a western or American man. They have no intention of delivering that stipulated service that they advertise! It is all a scam and just because Discover says they talked with the other party does not resolve my dispute as this company XXXX XXXX will lie cheat and steal from their customers so hwy would they tell the truth about their credit card billing? 
Discover has no desire to rightfully resolve this dispute! This makes them as criminal as the entity that deceived me! 

3 ) Discover has made no serious effort in the slightest to resolve what should be a clearly proven case for a refund! They are merely stonewalling while negatively reporting my credit score! not only do they shirk their responsibility to the consumer they are enabling a criminal operation to continue making million on thousands of other male customers! I demand a refund and correction of my credit status and Discover is refusing using their policies as an answer to criminal acts that have no related statue of limitations!
Product: Mortgage

On XX/XX/2022 I was prequalified by a PenFed Digital Loan Officer for a XXXX mortgage of {$60000.00}. PenFeds maximum debt-to-income ( DTI ) ratio is 0.50 %, and the initial loan officer calculated my DTI at 0.48 % XXXX The mathematical calculation to determine my DTI was monthly debts of {$2700.00} ( including the new HELOC payment ) divided by monthly income of {$5700.00}. These two figures did not change and were verified by documents that were uploaded on PenFeds secure website. 

I was assigned a loan processor, XXXX XXXX on XX/XX/2022. After uploading the requested documents ( including those that revealed my race, age, and gender ), I was informed that my file would be submitted for review. Around XX/XX/XXXX, I was informed that my DTI had gone from 0.48 % to 0.58 % without explanation, and I was no longer qualified for the loan. I have asked for an explanation of the numbers without success, even though I was told one would be forthcoming. 

Numbers do not lie : {$2700.00} divided by {$5700.00} does not compute to 0.58 %. I would like to know if any factors such as age ( I am a XXXX XXXX XXXX  ( XXXX XXXX ), marital status ( recently widowed ), or gender, ( female ), played any part in this magical recalculation of my income and debts.