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

Equifax ; XXXX  and XXXX are reporting incorrectly a charge-off in the amount of {$440.00} on the XXXX XXXX partial account number XXXX and also a charge-off in the amount of {$900.00} on the XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) These ( 2 ) accounts with XXXX XXXX were fraudulently opened. I do not now, nor have I in the past, had any accounts with XXXX XXXX. I never gave permission, nor did I ever authorize these accounts to be opened. This false reporting of charge-off accounts that do not belong to me is seriously harming my credit score and these line items need to be deleted. I have contacted the bureaus to remove these however, I have not been successful.
Product: Mortgage

I am writing to formally lodge a complaint regarding the handling of my mortgage account with FNB. Specifically, I have encountered significant challenges in attempting to have Private Mortgage Insurance ( PMI ) removed from my account despite meeting the necessary criteria. I been trying to get private mortgage removed I'm well under my 80 % and they said I couldn't because I wasn't last year now that I made many extra payments and some large payment to my principle balance and have reach under 80 % I wrote them XXXX  times again throughout the year to get it removed and now they are saying I had XXXX late payment I am XXXX years ahead of my mortgage term as I looked over my Amortization Schedule, they are saying it can't be removed until XXXX, I feel they are holding me capture against my will to get this resolved if this is there policy for a late payment someone needs to do something I can see if a person had multiple lates if this is true, they didn't even offer to reappraised my property because they are robbing people to keep that insurance on their mortgages I did my part keeping my mortgage current. According to the terms of my mortgage agreement, PMI is required until the loan-to-value ratio reaches below 80 %. I recently took substantial efforts to reduce my principal balance, which has effectively brought my loan-to-value ratio well below the required threshold of 80 %. Despite this achievement, I have encountered resistance from FNB in having the PMI removed promptly. This severely impedes my ability to proceed with the PMI removal process and save myself some funds. This situation is highly frustrating and disappointing, especially given my proactive efforts to manage my mortgage. The continued requirement to pay PMI unfairly burdens me financially. I hope FNB rectify this issue immediately by : Initiating the process to remove PMI from my mortgage account based on the current loan-to-value ratio, which is well below 80 %. I trust that FNB will take swift action to address and resolve this issue satisfactorily for the sake of fairness to the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my THIRD attempted to dispute a debt that is NOT owed by me. I am a victim of Identity Theft and I have been battling with this company for so me time now to remove this off of my credit. I've tried contacting the Collection Agency by myself and also Equifax but yet Equifax has yet to do absolutely NOTHING to help or verify this debt as well as the collection agency. This debt was taken out under my name without my consent and I am tired of trying to fight this. If this does not work this time, I will be taking legal action against Equifax and XXXX XXXX of this debt that is being filed against my credit report affecting my living standards. this is pure greed and must be stopped. I just received in mail from Equifax on XX/XX/2018 that they have verified a false account under my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX in regards to a collection account, ProCollect, that was being reported incorrectly on my credit report. I disputed the item with XXXX on XX/XX/2018 ( certified, signature receipt ). XXXX sent me an updated report ( confirmation # XXXX ) and corrected most of the error but left one  remaining which is affecting my credit score. ProCollect ( collection company ) is reporting that it is still open when it is not. I have sent XXXX a copy of my Chapter XXXX bankruptcy ( XXXX ) filings showing them that ProCollect was included and that this account should either state included in chapter XXXX or state that it is closed. I have a copy of what I sent to XXXX with a copy of the certified mail receipt.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain information on my credit report that I believe is in direct violation of the Fair Credit Reporting Act ( FCRA ) and Consumer Law. After a meticulous review of my credit report, I have identified accounts, specifically related to XXXX, that are reported in a manner inconsistent with legal standards, infringing upon the provisions outlined in 15 U.S. Code 1681a and 15 U.S. Code 6802.

According to 15 U.S. Code 1681a, the definition of a consumer report excludes information pertaining solely to transactions or experiences between the consumer and the person making the report. In my case, XXXX - XXXX. These entries appear to represent information outside the legal scope for inclusion in a consumer report. 

Furthermore, as per 15 U.S. Code 6802, a financial institution is prohibited from disclosing nonpublic personal information to a nonaffiliated third party without explicit consent from the consumer. It seems that XXXX - XXXX was shared without my authorization, thus violating my privacy rights under this statute. 

Despite reaching out to XXXX for resolution, they have refused to comply with the penal codes stated by Congress under consumer law. Therefore, I am requesting the immediate removal of the stated account from my credit report. Under the FCRA, you are obligated to address and correct such penal code violations within 30 days of receipt of this letter and to remove any information that is inaccurate, incomplete, or unverifiable. 

I expect prompt action to correct these inaccuracies in my consumer report with the Consumer Reporting Agencies. Additionally, I request written confirmation from the consumer reporting agencies to verify compliance with this request and a revised copy of my credit report after the deletion of the disputed information. 

I appreciate your immediate attention to this matter and look forward to your prompt response. Please feel free to contact me by mail for any further information or clarification needed. 

Thank you for your assistance in this important matter. 

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

On XX/XX/XXXX and XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX my credit on XXXX seperate days within weeks apart that I did not authorize I want the two inquires removed immediately from my credit report. 

On XX/XX/XXXX Lightstream ran my credit report that I have no knowledge about and did not authorize and I want it removed immediately. 

On XX/XX/XXXX XXXX ran my credit report that I have no knowledge about and did not authorize and I want it removed immediately.
Product: Mortgage

On XX/XX/XXXX I paid off the mortgage with Bank of America so that I could sell the property thru XXXX XXXX XXXX in XXXX, Oregon. Several months later I received a cashier 's check dated XX/XX/XXXX for overpayment on the closed account in the amount of {$560.00}. I was told that the check was good for 5 1/2 months. When I took the check into the XXXX, Oregon branch of Bank of America I was told it had been reported as lost or stolen which was impossible as I still had the check which had not been endorsed. Later I was told by the bank manager that the wrong number had been recorded and the bank would send me a replacement check. I have been trying to get my money returned to me. These are the ID # I have been given during this process -- XXXX. During the last ticket # I was told as all of the other calls that check would be sent. I have never received a check. Every time I have dealt with Bank Of America I  have made sure that they had my email address, my new phone number and my new mailing address in XXXX, Oregon. I have faxed a copy of the original check to B O A on XX/XX/XXXX. I have closed all accounts with B O A and bought a new home that is completely paid for in XXXX. Please help me recover my money from from this irresponsible bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed. 
XXXX Date of Inquiry XX/XX/2022 XXXX Date of Inquiry XX/XX/2022 XXXX  Date of Inquiry XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

id thief using my credit history to take over my good credit repot and score cant get to dispute centers on because thief has locked me out of them shows only 5 same accounts on all 3 credit reports is taking names off transunion report to just one name when i do business with 2 other legal variations of my name that i use for applying for credit has changed passwords numerous times which locks me out completely then i have take more time to mail information to credit bureaus while the id thief can quickly do them online i dont get any satisfaction to my complaints only more whittled down credit reports
Product: Credit card or prepaid card

I went into the unemployment office because i had a change of address, i filed for unemployment a month before coming into the office. I wasnt recieving any mail for any notice of my unemployment filing and have no idea where the benifits are, or if they ere even recieved. Im not getting any help. I revieved a phone number from the offic to call and i was put on hold for 23mins.
Product: Credit reporting, credit repair services, or other personal consumer reports

JEFFERSON CAPITAL SYSTEM Last reported XX/XX/2019 {$1500.00} Open balance XXXX XXXX XXXX Original creditor -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Dispute item. Doesn't belong to me. Please remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX continues to violate my rights under the Fair Credit Reporting Act. On XX/XX/2023 the were mailed a copy of my FTC Identity Theft Report, a final official copy of my XXXX XXXX XXXX  Identity Theft Report, a copy of my XXXX XXXX XXXX proving my legal address at XXXX XXXX XXXX Unit XXXX, XXXX XXXX, CA XXXX, a photocopy of my Social Security Card proving my identity and social security number, a photocopy of my XXXX XXXX XXXX / Real ID ( front and back ) proving my identity and my legal address, a copy Fair Credit Reporting Act Section 605B detailing their legal obligations. The fraudulent member / account number is XXXX. The amount owed/ charged off on this fraudulent account is {$500.00}. They say their " investigation '' determines the " I did open the account ''. They go on to provide a fake income verification letter, fake pay stubs, and several documents the copy and pasted foraged digital signatures as " proof '' that the account is mine. They are violating the law by not accepting sworn statements to the FTC and XXXX XXXX Police which by the very nature prove I am a victim of Identity Theft and that the accounts they have in my name are the result of this identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my lexus nexus credit report. After contacting Experian, XXXX, and XXXX it is reported a Bankruptcy from XXXX XXXX. 

The courts do not provide ANY credit information to any of the major credit bureau 's. XXXX XXXX sold my information without my consent. This information is wrongfully listed and has prevented me from obtaining credit. The information reported by XXXX XXXX is incorrect, names, adddress and Bankruptcy information. I've reached out to XXXX XXXX via email and u.s mail with no correspondence.
Product: Credit reporting or other personal consumer reports

Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant to 15 USC 1681c-2 ( a ) To Whom It May Concern : I am writing to formally notify you that I have become a victim of identity theft as a result of a recent data breachOF XXXX. In accordance with my rights under 15 USC 1681c-2 ( a ), I am requesting that you block and permanently delete any fraudulent accounts, inquiries, or information associated with the identity theft from my credit report. 
I am also attaching proof that I was a victim of the XXXX XXXX breach, and I kindly request that this information be considered as part of my claim.

I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER: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 Account # XXXX Amount : {$0.00} XXXX XXXX XXXX XXXX Account # XXXX Amount : {$0.00} I am also including an FTC Identity Theft Report with the reference number XXXX to further support my claim of identity theft. This report provides additional documentation of the fraudulent activity linked to the XXXX data breach. As mandated under 15 U.S.C. 1681c-2, upon receiving this identity theft report, credit reporting agencies are required to block and delete any information identified as resulting from identity theft within four business days. 
Please find enclosed the following documents to support my claim :. 
I request that you confirm receipt of this letter and provide me with a written statement once the accounts and information have been blocked and deleted, as required by law. Please ensure that I receive an updated copy of my credit report reflecting these changes. 

Thank you for your prompt attention to this matter. I trust that you will act quickly to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ). 

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

Equifax Inc. suffered a cyberattack that affected 143 million U.S. customers with some people in other countries as well. I am one of those people. I visited www.equifaxsecurity2017.com and it said I was a potential victim. I feel they have mishandled my information and used it improperly by securing it in such a poor way. A major credit bureau should have an extreme detail to their cyber security and Equfax failed.
Product: Debt collection

Received a letter in the mail about a debt- car loan- that is not mine. Called them and let them know. Was told they will keep calling and mailing me, used foul language. I have contacted my attorney.
Product: Debt collection

They called today on XXXX despite a previous request to never call my work number. My work number had also not been given to them. They repeatedly call my phone and do not leave messages. Today, after again telling them never to call me at work, I work at a XXXX, the man on the phone became very threatening and rude. He said that he wouldn't call either number again and the next step would be taken without alluding to the next step or even giving details on why he was calling. I was never given the opportunity to make payments or payment arrangements. XXXX XXXX XXXX is the name of the company and the number is XXXX.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Failure to Delete Fraudulent Accounts from Credit Report violanting the law FCRA To Whom It May Concern, I am writing to file a formal complaint against [ experian ] for their failure to remove fraudulent accounts from my credit report as required by law. 
I recently disputed several accounts on my credit report under the claim of identity theft, pursuant to 15 U.S.C. 1681c-2. I submitted a Police Report and an FTC identity theft report ( FTC Report Number : XXXX ) as evidence. The credit bureau acknowledged my dispute but has not complied with the requirements set forth by the Fair Credit Reporting Act ( FCRA ). 
Despite my initial request for the blocking of these fraudulent items, the following accounts remain on my credit report : XXXX XXXX - XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX. XXXX ( XXXX ) - Description of Investigation : Pursuant to the FCRA, credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XXXX XXXX XXXX XXXX. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statutes of limitations. I am demanding a deletion of the following account : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I am currently experiencing extreme difficulty with the credit bureaus. XXXX, XXXX, and Transunion are all reporting my XXXX Accounts as a revolving debt. The definition of revolving debt is- Revolving debt is debt that typically has a variable interest rate, an open-ended term and payments that are based on a percentage of the balance. Revolving debt has a pre-determined limit, agreed upon by the lender and borrower. 
Revolving debt is the kind of debt that credit cards offer and is usually an easy way to get credit. It can be a useful tool when used with discipline. This is damaging my score and affecting my lively hood. My revolving accounts such as XXXX XXXX Credit Card, XXXX, and XXXX XXXX are all in good standing. I have been paying about XXXX-XXXX % of my balance charged every single month. My credit score should be much high than it is. The credit reporting agencies are in direct violation of The Fair Credit Reporting Act where it states, '' Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate ''. XXXX account number XXXX, XXXX and XXXX should be reporting as UTILITY not revolving. XXXX acct number XXXX should have a XXXX balance and account number XXXX should have a balance of {$160.00} not {$380.00} reported. Due to the erroneous reporting since XXXX 2014, my credit score has suffered tremendously. Revolving accounts reporting as past due or late can damage a consumer 's credit report and in this case I have suffered severely.
Product: Credit reporting

I found the account active, about a week after it was opened, because I frequently check my credit report. I filed a case with XXXX, which was investigated for about a month ; and was denied any satisfaction. They claimed that the account was opened legitimately. At this time, I filed with the Consumer Finance Protection Bureau and placed the Fraud Alert on my account. 

I then filed a report with Transunion, because on XXXX, I was only allowed one 'dispute ' at a time. This was investigated for about a month ; and again, was found to be a " legitimate account ''. 

The account was eventually removed from my XXXX credit report ; but remains on my report from Transunion. Meanwhile, the charges on said account have gone from less than a hundred dollars - since my first dispute was filed with XXXX - to almost three hundred. 

As of today, I have also filed a claim at IdentityTheft.gov
Product: Credit reporting or other personal consumer reports

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX
Product: Checking or savings account

I filed a dispute claim with Chime in the amount of {$1300.00} which was an unauthorized payment in XX/XX/year>. I just received an email from Chime Support at XXXX on today, XX/XX/year> that my disputed claim was approved and my money was credited back into my account. The amount has not been credited back to my account. I have called and spoken with several of Chime agents and theyre telling me that theres nothing wrong and that theres nothing else to do on my account and keeps assuring me that the money was credited back to my account but my balance is still {$47.00}. I have bills that are now delinquent because of this issue on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting correspondence to the Consumer Financial Protection Bureau regarding concerns about the level of transparency and lack of written correspondence from Trans Union who acted on my behalf to investigate the legitimacy of Synchrony Banks business practices which include charging excessive fees, high interest rates, and refusal to honor higher payments than the amount due by continuing to ask for payment each month from a consumer who is a XXXX XXXX  at the time the account was active and not in collections. The creditor must provide in writing how it did not discriminate against a XXXX XXXX  by offering an extension of credit at an interest rate that is considered higher than the national average. XXXX XXXX  must provide in writing why it assessed such high interest which is deemed discriminatory and must remove all information from my credit report if it does not fully disclose in writing to the consumer the credit report rating it used to assess such a high interest rate. It must also provide an explanation why advanced payments at higher amounts did not constitute relief from the bank. Under the Fair Credit Reporting Act, consumer reporting agencies like TransUnion must corret or delete inaccurate, incomplete, or unverifiable information usually within XXXX.
Product: Credit reporting or other personal consumer reports

When I checked my credit report this morning, I was horrified to see accounts that dont belong to me. Im completely confused about how they got there. Ive been checking my credit report like I always do, but today I found discrepancies that I cant explain. Hoping it was just a mistake, I refreshed my browser, but the errors didnt disappear. Im desperate for someone to carefully examine the documents Ive submitted so I can stop living in constant worry.