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

Re : Request for Removal of Account Information XXXX XXXX Account Number : XXXX Dear XXXX I am writing to formally request the removal of a derogatory entry on my credit report related to an account with XXXX XXXX. This request is based on the recent judgment in the class action lawsuit against XXXX XXXX, which mandates the removal of derogatory information from consumers ' credit reports due to unfair practices and predatory lending. 

The relevant case is In re : XXXX XXXX XXXX Dealer Interest Rate Overcharges Litigation. The judgment issued in this case requires that any negative credit information associated with XXXX XXXX be removed from consumers ' credit reports as a result of the improper practices identified in the lawsuit. 

The details of the account are as follows : Creditor : XXXX XXXX Account Number : XXXX Original Account Status : Collection/Chargeoff Date Reported : XX/XX/year> According to the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute and request the removal of inaccurate or outdated information from my credit report. The removal of this account is in accordance with the courts ruling, which has deemed such information invalid due to the predatory nature of the lending practices involved. 

In light of the judgment and the provisions under the FCRA, I request that you promptly remove this account from my credit report. Please confirm in writing once this action has been completed. Additionally, I would appreciate a copy of my updated credit report reflecting these changes. 

Should you need any further information or documentation, please do not hesitate to contact me at [ Your Phone Number ] or [ Your Email Address ]. 

Thank you for your prompt attention to this matter. 

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

Im a survivor of XXXX XXXX  I provided a letter from my current program Im in. Both XXXX and XXXX approved my letter and deleted the information from my report. XXXX XXXX from Experian said my letter was not authentic and now I had to join a new program called XXXXXXXX XXXX  by the XXXX XXXX. I also reached out to the Department of human services to see if I can get a certified letter through them. I dont understand who would lie about being XXXX XXXX The last 15 years of my life I have been trying to get away from my XXXX  and when I finally try to regain my life back Im at a stand still because of an insensitive woman please someone help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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

Experian furnish unknown inquiries on my credit report that I dont recognize and did not authorize UNDER 15 USC 1692e & 15 XXXX XXXX they are in violation of the FCRA and I want these inquiries removed immediately Rentgrow XX/XX/XXXX XXXX XX/XX/XXXX XXXX card XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Mortgage

Multiple contacts were made to Loancare regarding the discrepancy with my mortgage payment. I have been left on hold and told that a request to reanalyze my payment would be completed but nothing has been done. It has been 2 weeks when I was promised 5 days.
Product: Credit reporting

Hello, I have disputed this account with EQUIFAX several times about my  XXXX  account.  XXXX  sent me a  XXXX  in   XXXX  , cancelling the principal debt amount but they still show a balance on my EQUIFAX credit reporting. Each time they come back to me they saying it is " Verified ''. Like I mentioned above and will provide documents, I have disputed the balance several times.  XXXX  and  XXXX  both have already returned the balance to {$0.00} after sending a copy of my tax form for the year   XXXX   with the  XXXX  included. Once they ( Equifax  )  did not even respond to me but I had not sent anything with  XXXX , but the next time I did and I still did not get a response! This last time I sent the copies off my  XXXX  the copies of my  XXXX  and tracking numbers that correspond with  USPS tracking and the prior dispute letter as well as a new dispute letter demanding they follow thr u with the FCRA - also with mentioning that this was not a request for a  investigation.The  main issue is improper credit reporting from EQUIFAX still allowing   XXXX   to report a balance after sending me a  XXXX  but they did not respond to my last dispute for over 30 days and did not even update my credit file with a " dispute in process '' notitifcation. So this time  that I had the proper documentation that they did not respond to my dispute in 37 days ( more actually )  they updated my credit reporting saying it was still verified! This is AFTER I sent a   XXXX   and all other documents above proving that they had no responded as well as the  XXXX  again! I need help from the CFPB. I ca n't obtain my mortgage with this balance that still remains on my credit file that had been issued a   XXXX   XXXX   for over two years ago ... thank you for your time.     Attached :  XXXX  reference  XXXX  account -Copies of dispute letters and last dispute -Copy of  XXXX  and corresponding  USPS tracking  numbers -Copy of drivers license and Social security card for identification -Copy of EQUIFAX dispute results from over 37 day period of not responding to me initially
Product: Credit reporting or other personal consumer reports

My Rights Regarding Credit Reporting PAY ATTENTION : REPS OF XXXX XXXX AND EXPERIAN use common sense, Look at your respective letter attached with your company at the top. if you look at another bureaus letter the only reason you should be is comparing the shared info that was furnished. Let 's get this right guys. I need better scores to refinance my vehicle and your lack of reporting correctly is preventing that! 


I am concerned that my private information is being shared by [ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ] and credit bureaus XXXX XXXX and Experian without my proper consent. 

These inquiries are a product of identity theft if they aren't tied to an account, because I don't apply for anything. 

Here 's a breakdown of my rights based on the laws that have been violated in which I could use for each violation Fair Credit Reporting Act ( FCRA ) : You have the right to ensure accurate information is reported. ( 15 USC 1681c ) Credit bureaus can only share information with authorized parties with a legitimate purpose. ( 15 USC 1681b ) You can dispute any inaccurate information in your report. ( 15 USC 1681s-2 ) You can request a free credit report annually. ( https : //www.ftc.gov/legal-library/browse/statutes/fair-credit-reporting-act ) Gramm-Leach-Bailey Act ( GLBA ) : Financial institutions must protect your nonpublic personal information and obtain your consent before sharing it with third parties. ( 15 USC 6801 & 6802 )
Product: Debt collection

LVNV Funding LLC, has reported to XXXX that I owe them {$230.00} for which is absolutely erroneous. 
This an official complaint of dispute. 
1. ) The alleged creditor is a computer, that has generated this fraudulent debt of {$230.00}. 
2. ) The alleged creditor can not validate with an notorized " Affidavit '' that it is not a computer. 
3. ) The alleged creditor can not provide a singed agreement between the alleged original creditor to validate the claim that the consumers personal information belongs to the alleged debt of {$230.00}, in compliance with Fed R. Of Civ Pro 4, ( Probable Cause ). 
4. ) The alleged creditor can not provide a copy of the alleged original creditor, " Notice of Service '', in compliance with Fed. R. Of Civ Pro 4. 
5. ) The alleged creditor is in possession of the consumers email address, date of birth, SS #, previous home addresses, present home address, phone number, back acc info, and seeks to utilize said info across the state lines of Ohio and Mo, via U.S. Postal and or via internet to obtain U.S. currency, for which the consumer views as identity theft, libel, slander, cyber terrorism, tax evasion, money laundering. 
6. ) The alleged creditor seeks to confirm the claim of debt by submitting my personal information, without submitting any affidavit that would allow the consumer to know any of their personal information, needed to file complaint with The Federal Court. 
7. ) The maliciously filed debt notice appears as public record on file with theXXXX major credit bureau s, XXXX, for which has caused the consumer atypical and significant hardship due to deformation of character.
Product: Checking or savings account

I made a security purchase on XX/XX/XXXX using my chase Checking account I was alerted on XX/XX/XXXX that the payment was declined by Chase due to insufficient funds. I immediately got concerned and called Chase. 

Chase had issued a Court Ordered " Hold '' on my account for {$12000.00}. They also mistakenly " debited '' {$12000.00} out of my checking account. They agreed the total amount was {$12000.00} and that they mistakenly tied up {$24000.00} causing the stop payment for insufficient funds. 

The Brokerage now has fined me for failing to settle the transaction, not to mention {$1600.00} in lost gains and they closed my account. 

I spent hours on the phone with various Chase customer service representatives and Court Order and Levies representatives. They admitted to the problem and said they would reissue the payment for the securities within 24 hours. 

Fast forward to XX/XX/XXXX, and Chase has completely changed their story saying there is nothing they can do, the payment can not be resubmitted. 

I am extremely troubled by the lack of sound information coming from various Chase representatives. I 've spent hours on the phone with Chase, and I got 3 different answers when talking to 3 different reps. The latest call was ended after the rep told me there is nothing more they can do and she hung up ( XXXX XXXX - XXXX ) I have been a Chase customer for almost 20 years and this is the last straw. I am going to start closing accounts and moving business elsewhere. Somewhere that can service the customers it has. These banks are becoming too big for their own good and it shows. They hide behind phone calls and there is ZERO accountability. Everyone operated behind a phone and computer and no one actually cares when the customer gets burned. 

Between XXXX XXXX and Chase, they cant get out of their own way.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I spend hours talking to many Experian reps to remove a fraud alert. Their upload site was not working ( experian.com/upload ) - the last rep figured out the site was not working and we kept trying and after hours, it FINALLY uploaded my front/back to my state driver 's license and passport to provide the proper authentication. I also stated to REMOVE ( in all caps ) the fraud alerts. 
It gave me a success message and sent an email showing my dispute was received and processed. I am happy to forward this. 
I wake up on XX/XX/XXXX to the Experian site saying " A Fraud Alert has been ADDED to your Experian Report ''. Are you kidding me? Either their site is inept and misleading, or their employee who handled this can not read and is horrible and either way it is unacceptable. This is costing me money and I can not believe they would treat consumers like this. I RE-LOADED my documents AGAIN this morning and filed another REMOVAL note. All I have referenced in this complaint is attached as screen shots.
Product: Mortgage

Newrez mortgage llc, has taken them over 2 months to handle my home insurance and escrow request. The company appears incompetent and has sent a letter stating they were going to purchase insurance on my behalf when XXXX XXXX has already requested payment from them on XX/XX/XXXX. I received a letter on XX/XX/XXXX stating the above. I called XXXX XXXX on XX/XX/XXXX requesting proof they sent a notice to Newrez asking for my home owners policy and XXXX be updated and payment be made to XXXX XXXX ( my new insurance carrier ). I also uploaded the insurance documents to their portal. I also emailed the documents to newrez insurance department. I have yet to have this company fix their issue. I have money in escrow to pay the insurance company and it is currently at risk of being canceled. I am filing a complaint against Newrez.
Product: Debt collection

Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reason : Identity theft Please remove it from my credit report. 


Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Reason : Identity theft Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried contacting/ Disputing with XXXX , was given no help. Put negative makes stating I was 30 days late when the account was charged off and sold to another company back in 2015. Public records still stating that the account is still owed
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. 

And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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: Debt collection

I am submitting a complaint against XXXX XXXX which is a third party company who has purchased an inaccurate collection list from Synchrony Bank. They are reporting to XXXX, XXXX, and XXXX that I owe there company XXXX on an account that is not my account. They are in violation of the Fair Debt Collection practice Act section 807-8 because they have no competent evidence bearing my signature showing I am contractually obligated to pay this debt. They are also in violation of the fair credit reporting act section 623-b. for defamation, negligent enablement of identity fraud violation. They are also trying to collect funds from my social security benefits.
Product: Money transfer, virtual currency, or money service

I did not received my direct deposit of {$1700.00}. I called around XXXXXXXX XXXX of XX/XX/year> to request information and the customer service informed they did not have a time frame for fixing the issue. Now I am unable to pay for food / gas / my personal bill will accumulate interest and late fees.
Product: Debt collection

I don't owe {$710.00} to XXXX XXXX XXXX. I have never owed them this amount of money. I have always had insurance and it covered everything. So, I disputed this on my credit report. It came back that they agreed that it was paid by the insurance, but that they weren't going to remove it from my credit report. What? How is that legal? I want this removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In  XXXX  we received a letter for  XXXX  stating that we had applied for an  XXXX   XXXX   XXXX  card. We had not. We called  XXXX  and they blamed us by stating that we 'clicked a button ' at  XXXX  that initiated the request. They told us that they would close the request.     Last week we received another letter from  XXXX  that has exactly the same information. Today I pulled my credit report and am shocked to see that  XXXX  has continually been running credit inquiries. These inquiries have brought m y credit score  down.      The inquiries from  XXXX , which I did not initiate, were on these dates :  XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX  I would like help to have those inquiries removed from my Credit History since I did not initiate the requests. In fact, I checked with  XXXX  and in order to initiate the request an application must be filled out. I never filled out an application because I have no interest in having a  XXXX  Credit Card from  XXXX . Thus this is a repeated fraudulent request. Can you assist with resolving this so that my  XXXX  History is fixed and does n't continue to drop?     Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX 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 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX ( XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  ) account # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX ) account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX ( XXXX ) account # XXXX, XXXX ( XXXX ) account # XXXX, XXXX ( XXXX ) account XXXX, 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 1681Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card

On XXXX XXXX, 2015, I applied for a BBVA XXXX XXXX on XXXX XXXX, 2015, I was contacted by the BBVA underwriting department letting me know that I was approved and they told me my credit line was {$20000.00}. A few days later I called to do a balance transfer and they told me that my account was closed due to security concerns but would not address the reason why. Up until this present time I have not received an explanation as to why my account was closed. I have attached a copy of the email as proof of BBVA opening my account.
Product: Credit reporting or other personal consumer reports

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX Date of Birth : Date of Birth : XX/XX/1990 Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

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

I have been struggling with XXXX XXXX and than XXXX since XXXX, its been on my credit report for years and they refuse to remove it. I have never attended college in the past I have been a XXXX XXXX XXXX XXXX all XXXX, XXXX, XXXX, XXXX I had all XXXX  XXXX XXXX  XXXX and couldnt leave the house I was in and out of the hospital.XXXX  stated to me loans were signed during those years I was home, Someone used my information to attend these colleges since XXXX and now there are four other colleges coming out in these loans they allowed someone to use my Identity, I have contacted both Department of Education along with XXXX  they wanted my information to change the correct information on the Applications they have and make it seem like it was me the id they have on file and mines dont match by a digit now and I do not want to give them anymore of my information they are refusing to help remove these on my credit report it shows various dates since XXXX. Loans are over 37,000 and Ive never assisted college I have never been able to attend college because of this and because of my husbands job I got a free scholarship fully paid to attend college therefore no XXXX XXXX nor XXXX was signed with this scholarship neither and will not give the schools information to them because they will create another fraudulent package against me. They sent me proof of an application where it shows a warehouse address as living and all my families information they also committed fraud and added my parents under a loan in which they have paid because they did not know this was fraud committed.
Product: Debt collection

I am getting calls/text/letter from XXXX different companies claiming to be collecting on the same medical bills. I have not responded to either, because I'm confused on who either of them are and why they got it in the first place. The bills they are claiming that I owe were never sent to me from the actual medical providers. Them companies are XXXX XXXX and Reliant Capital Solutions.
Product: Debt collection

I am writing you this statement to delete the following information on my credit report. The items I need deleted are listed in the report. I am a victim of identity theft and I demand that you remove these errors to correct my credit report immediately! I have reported this to the federal trade commission and attached the federal trade commission affidavit. Now that I have given you the following information, please correct my credit report or I shall proceed with involving my attorney!