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

To whom it may concern : I have asked them multiple times to remove all these alerts on my credit file I am trying to buy a house This is my second attempt to get these alerts removed. I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not disputing anything on my credit report as of today. Please open my credit file if you'll have any type of block on it thank you. 
Sincerely,
Product: Credit reporting or other personal consumer reports

So I have submitted a dispute for colleges account : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I havent received a letter or notice in the mail for these alleged debts or given a change to dispute or opt out! These alleged debt automatically reported to my consumer report! That is a violation! They have verified the accounts as accurate! This is incorrect! I do not have a contract or agreement with those companies. Transunion is in violation of the Privacy Act, FCRA, FDCPA.
Product: Credit reporting or other personal consumer reports

You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In generalSubject to subsection ( c ), anyconsumer reporting agencymay furnish aconsumer reportunder the following circumstances and no other : ( 2 ) In accordance with the written instructions of theconsumerto whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or i will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to theConsumer Financial Protection Bureau, Attorney Generals Office, Better Business Bureau, andFederal Trade Commission. 
I would like proof of verified account as to signed contract with my signature the original, person that was there when i signed it. Items are items that are applied for online using my personal information. Equifax updated inaccurate accounts with out verifying under section 609 of FCRA. I reported items Fraud as to data breach with bureaus and other companies selling information. I also have an adult son with the same identical name as mine and can not be sure if he was not the one opened accounts. It has been over 60 days and I have not been provided proof of validation of any of these accounts.I demand deletion or compensation of my rights being violated. 

Delete unauthorized accounts XXXX XXXX Account Number XXXX, XXXX XXXX Account Number XXXX Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to EQUIFAX Credit Bureau the date of the last letter was on XX/XX/XXXX. And now in the month of XX/XX/XXXX, still nothing from them. That means EQUIFAX has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$9500.00}
Product: Credit card or prepaid card

I am submitting a complaint because I strongly feel that Synchrony Bank/ Rooms To Go has acted with malice and has violated my  consumer rights. I opened an account with them in XX/XX/XXXX and during the course of our business association, I honored and respected my account agreement to the fullest, never becoming delinquent. 

To my surprise late XX/XX/XXXX, they abruptly closed my account without any merit. This in turn has drastically affected my credit status putting me in a position to pay a higher interest rate etc. On XX/XX/XXXX, I attempted to resolve this matter by phone call and I also followed up with a formal letter dated XX/XX/XXXX asking them to reconsider their action to no avail. Attached you will find the letter that was mailed to them. As of today, XX/XX/XXXX I have not received any positive response from them. 

I was very keen on paying this account on time and NEVER been late not even with a single payment. On all my phone calls to Synchrony Bank I was told that it is impossible to reinstate my account. I was trying to base my complaint in the fact that my account has been in good standing since it was opened. 

I also have a another Synchrony Bank/Care credit account that is in good standing so I really don't understand why the Rooms to go from the same lender was closed. On one of the letters attached they claim that my credit score is XXXX according to XXXX XXXX I called XXXX XXXX and my score is at XXXX
Product: Debt collection

I wrote a letter to the debt collector stating for them to verify and validate that this debt belongs to me. The account in question is XXXX XXXX and is being reported by Hunter Warfield Incorporated. No information has been sent to me verifying this issue. I do not have a contract with this creditor. In which they have failed to provide proof. 

COLLECTION : Hunter Warfield INC / XXXX - {$3000.00} / account status says Open.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a request to XXXX, XXXX and Experian to remove inaccurate addresses and names on my credit report and I included my 2 forms of identification to verify my identity and that I was the one initiating the dispute and every time XXXX and Experian replies saying provide verification documents and I do and they just send the same automated respond. XXXX does not reply at all. It has been longer then 30 days for all 3 requests and nothing has happened.
Product: Mortgage

The lender initially attracted us with low interest rates and promised with confidence that they would be able to process our loan in a timely manner using these rates. However, once they began processing our case, they started to over-promise and used various excuses to delay our loan. We provided the required information promptly, but they kept changing the requirements. As the closing date approached, they informed us that they could not secure the promised rate and did not provide any risk warnings. They then urged us to get quotes from other loan companies in hopes of lowering the interest rate through a match, although this was not guaranteed. Only a week before the closing date did they inform us that we would default, putting us at risk of losing our deposit and the house, and they blamed us for not providing information. In the end, there was no apology. 
Attached is our timeline.
Product: Debt collection

Hi, My debt was sold by XXXX XXXX XXXX , XXXX to XXXX XXXX XXXX , XXXX. I managed to find their contact information through the XXXX  ( XXXX XXXX XXXX ) and called repeatedly with no answer and no call back even though the voicemail promises a call back within 24 - 48 hours. Through more searching on the XXXX, there have been numerous complaints about XXXX XXXX XXXX. XXXX published on their website that XXXX is under investigation and has not been compliant. Their website is not credible and there is no other way to get to them. I am devastated by this experience as a person that is trying to improve my credit / financial situation ; because this is the same situation as XXXX XXXX XXXX , XXXX, I am inclined to think that this is a scam of some sort / I don't owe this debt. I am seriously questioning the validity and credibility of these two companies. I honestly did not think it would be this difficult to pay something I owe. 

Please refer to this link to the XXXX regarding XXXX XXXX XXXX XXXX XXXX XXXX If you're able to help shed light on this situation, I would greatly appreciate it.
Product: Mortgage

Refinanced home with new mortgage company and funds were wire to shellpoint mortgage company on XX/XX/2017 in the amount of {$180000.00} and shellpoint reported to all three credit agencies that didn't make a payment in the month of XX/XX/2017. I called several times to correct and they are refusing to make the correction. They acknowledge funds were received and the loan was paid off but they are refusing to fix their mistake. I have the documents of the payoff that occurred in XX/XX/2017. I called several times starting in XXXX ( asking if they received wire transfer ), XXXX ( saw credit report as being late for XXXX 's payment ), XXXX and now it's caring over into the month of XXXX and can't get shellpoint to fix their mistake.
Product: Student loan

Abusive harassment over the phone. 
Online access to account wo n't work after reset.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a identity theft report a full years ago which got approved by the FTC. I have my paperwork. So I begin to fix my credit starting with the accounts that was from identity theft. I mailed in all the paper work that was needed to dispute the accounts and at first the company removed the account and a couple months later us bank put the account back on my credit report saying that the account was verified. I wrote them asking to show me how they verified the account and what they had to show that they verify the account with. And sent them another copy of the idenity theft report and asking them to show me what they had to to go against the approved report and I never got a response. They just keep adding it back to all the credit bureaus. I heard about company 's doing this to people even after all the trouble a person goes through when they have there idenity stolen. XXXX Bank don't care what happens to people they want money even if you are not the one who needs to pay it. I going through this with 3 other company who doesn't care about identity theft or what the federal trade commission approved. They just keep saying verified and putting it back on your report because there is really nothing like a no body like me can do against these big company 's. If I had money to pay a big lawyer I bet they would leave it alone but since I can't they just keep on stepping on the little people and getting away with it. It's just not rite. It's hard enough dealing with the identity theft let alone a big company doing what they want to try to get money
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with XXXX on XX/XX/2023. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that this was CHARGE OFFS account on my credit report. This is disappointing because I have been paying XXXX  to get a report every month and I have been disputing fraud account on my credit report all this time just today I have a charge off that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with this account listed below, so please help me remove this charge off, including this incorrect information from my personal profile. A copy of my Bank statement, drivers License, my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible.XXXX XXXX XXXX XXXX
Product: Consumer Loan

My previous vehicle, a XXXX Honda Accord was total lossed in an accident in 2010. The insurance paid up to a certain amount of the balance owed and GAP was to cover the rest. It has been 6 years and it remains as DEROGATORY on my credit file. I need help resolving this matter. 

XXXX XXXX.
Product: Debt collection

I received a notice from my employer that I was having my wages garnished from Midland Funding LLC.
I do n't know who this company is or who they represent as this is a collection company.
This legal notice says, " The total amount due is {$5200.00} for a judgment that was entered on  XXXX - XXXX -09.
I never received a notice of Judgment in 2009. I do n't know who the original creditor is.
I asked for records from Midland Funding as to who the original creditor was, they were not able to give me this information.
I want this wage garnishment stopped.
I do n't owe any money to this collection company.
I would like a copy of my original contract from the original creditor showing I actually owe this kind of money from 7 years ago and later.
The statued of Limitations is up on a debt this old, as well as a " Timed Barred Debt '' according to this States Attorney Generals office.
How can a company I do n't know garnish my wages without me knowing about it.
I do n't own this money and want this Judgment removed from all of my credit reports if it is on them, as I do n't see this.
I want this wage garnishment stopped immediately before any month is taken from my paycheck. If money has been taken by the time this letter reaches you, I want all refund of moneys paid.
This is wrong collection practices.
Product: Credit reporting or other personal consumer reports

RE : XXXX BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Employer - XXXX Incorrect XXXX : - XXXX  Employer - XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Collections that are being challenged XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS. IF THE CONSUMER HAS PROVIDED XXXX DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Debt collection

For some years now this has been popping up on my credit reports. Have disputed in the past because my sister whose name is XXXX XXXX has on multiple instances taking my identity and used it to get bills like gas electric water and cable wherever she would be staying. I thought I had this taken care of 2 years ago but it popped back up 6 months ago. Now it is time that we are looking for a home and I I just called and paid XXXX XXXX to there collections department. Not too ERC group. I have contacted all letting everyone know that this was my sister taking my identity. I did not go as far as getting a judgment against her for taking my identity I have just been paying for it. Like I said I paid for it on XXXX XXXX 2018 direct to XXXX collections department. I would like this removed from my reports as soon as possible. 

Thanks XXXX XXXX
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX Balance : {$9800.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit card or prepaid card

Attempt was made to contact XXXX XXXX at XXXX on XX/XX/XXXX at XXXX ( no answer after 40 minutes ) and again at XXXX XXXX. Because this involved a question of fraud I hung up on the second call when the respondent began asking for personal information including social security number etc. 

I received a bill for {$4100.00} for various XXXX products purchased on XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX which I did not make. The issuer of the card ( and protest this fraudulent account opened in my name and was told that no such account exists in their records. 
I have checked with the credit agencies ( XXXX, XXXX XXXX ) and no inquiries were made in connection with this account opening and I have since locked my credit file to new account inquiries with the credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is still reporting inaccurate information XXXX XXXX is paid in full never late but Experian is reporting a late Payment I have sent in multiple validation letters they have yet to validate any one of the XXXX accounts Unrecognized account XXXX XXXX is still reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

I haves never been arrested for any crime, yet Experian has 3 records of arrests for someone on my personal report. Please advise me on how to get the fraudulent information removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Below inquiry do not belong to me. I have no accounts with Cross Country Mortgage  or XXXX XXXX. To the best of my knowledge the below companies did not have my authorization to pull my credit. 

XX/XX/2021 Institution Information : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX OH XXXX XX/XX/2021 Institution Information : XXXX XXXX  No contact information has been reported by this creditor.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 



XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit card or prepaid card

JPMCB has checked my credit without my authorization or my applying for a card twice in the last three months. When contacted they told me that they would look into it as possible identity theft and would repair the negative impact these multiple checks had on my credit rating. Nothing was ever repaired and my credit rating has now dropped XXXX points in 14 days. I have two credit cards, neither with JPMCB, and both with no carryover balances. No outstanding loans other than a mortgage. JPMCB should not be able to check credit without written consent. They havent had mine yet they continue to do it.
Product: Credit reporting or other personal consumer reports

Dear Equifax I am disputing the account ( s ) stated in this document. Previously, I disputed this account information as being inaccurate, incomplete, and invalidated and you responded by stating you were able to verify or validate this debt. Tell me how is that possible when you have employees and an automated system judging my disputes within seconds? Its no way a real investigation was made. Under the laws of the FDCPA, I have contacted the collection agency myself, and they have failed to validate that this is indeed my debt. I have copies of my requests to the collection agency, asking them to validate the debt, as well as the receipts showing I sent them a letter by certified signature request. I was given no evidence of my obligation to pay this debt to these collection agencies. This debt is not mine. The Fair Credit Reporting act. requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove this account before I am forced to take legal action. If you can not verify the item pursuant to FCRA. And you continue to report it on my credit. I will find it necessary to ( Sue you for actual damages and defamation of my character. According to FCRA regulations, I may sue you in any qualified state or federal court.

including a small claims court in my area. This is my warning. I demand you to delete these items at once. 




XXXX XXXX XXXXXX/XX/XXXX : Account number : XXXX -. I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 



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

student loan on my acct has been closed and updated to good standing. As I was also in forbearance, and report should not have any negative impact on report. All 3 credit reporting company show past due.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in XXXXXXXX XXXX XXXXXXXX to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX Debt XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXX  Account number : XXXX Balance : {$560.00} XXXX XXXX  Account number : XXXX Balance : {$2600.00} XXXX  Account number : XXXX Balance : {$0.00} XXXX  XXXX Account number : XXXX Balance : {$0.00} XXXX  XXXX XXXX  Account number : XXXX Balance : {$0.00}