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

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

There were fraudulent credit card charges on a XXXX XXXX credit card from XXXX XXXX XXXX XXXX  on my credit report. This card has since been closed down per my request at the agreement of the credit company, yet a late payment is still being reporting on my account and it is damaging the integrity of my credit.
Product: Checking or savings account

Some lady started withdrawal funds from my savings account without my knowledge. I dont know how someone can just take out my money from my account and the bank not notify me of any suspicious activity. I have brought it up with my bank. Which is Bank of America. They looked into it and returned the funds the first time I went in. Few months later they took back the funds and said it was out of their limitation days, which is 180 days. I went back to the branch to talk to a representative. And some how he got some of my funds back to my saving account, then few months later they took it back again. Long store short my account is negative balance as of today. I dont know what kind of game this bank is playing but it not fare to the people. Because we closed that account and opened a new one. 
Date stated was XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the company to let them know that unfortunately I had lost my job due to the Covid-19 Pandemic. Being a restaurant worker, I saw all restaurants shut down in the XXXX XXXX area XXXX Because of this, I lost my employer health insurance and I had received some blood work before the shutdown. The charge of {$340.00} was then placed on my shoulders when I was out of work and also a XXXX XXXX XXXX at the University of Texas at XXXX. 

This is with Radius Global Solutions, the original creditor was XXXX XXXX XXXX XXXX. 
It was a charge for {$340.00} that became a collection account on XX/XX/2021. 
Paid on XX/XX/2021, after finally having enough funds to cover and still make ends meet. 
As of XX/XX/2021 the account is now updated to paid but still on my XXXX Credit Report as a collection. 

I spoke with the company to explain the situation, and received no guidance or help during the time of my job loss. 

Under the CARES Act - 4021 I don't believe that I should have a collection account on my account. It was something out of my control and the balance has been paid off since then.
Product: Credit reporting or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF 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
Product: Mortgage

my late husband and I took out a home equity line of credit with PNC Bank of XXXX, Pa dated XX/XX/XXXX for a maximum of {$50000.00}. I do not remember the amount we took out but it has long been repaid. There was a security deed recorded in my county to this effect. I am in the process of selling this home and the closing attorney and I have been trying diligently trying to get a release of lien since XX/XX/XXXX. It took repeated calls to customer service to finally find out what we had to do to get the release. The attorney faxed at least two letters asking for help with no response. On XX/XX/XXXX we faxed a letter, signed be me, asking for the release and enforcing the fact that a hard closing date was XX/XX/XXXX. I called on XX/XX/XXXX and was told the letter was worded wrong, this after they had told me what to put on letter. The same day another letter was faxed per their instructions and once again asking for a rapid response. It is a simple matter to send a short letter stating that there is not a balance owed and that the lien release is forthcoming. A fax number and email address was provided. This is an account that I have no memory of as my late husband handled all this type business back then. The least this mega bank could do is respond quickly to a customer request as they expect their payments on time. Their lack of urgency will result in our closing date being missed and quite possibly losing this sale resulting in a financial loss to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I discovered that my personally identifiable information may have been disclosed without authorization due to a data breach. On XX/XX/XXXX, I mailed a Free Annual Credit Report form to the Free Annual Credit Report service, asking for a free copy of my credit report from TransUnion, if it existed. On XX/XX/XXXX, I received a response from TransUnion stating that they did not find a credit report based on the limited details I provided, but that they could perform a more thorough investigation if I asked.

On XX/XX/XXXX, I sent a reply to TransUnion, asking for a reinvestigation. I included copies of my official identification documents that TransUnion desired to have in order to perform their search. I asked them to conclusively inform me whether or not a credit report existed in my name, and if so, to provide a copy of it. On XX/XX/XXXX, I received a response from TransUnion, which again stated that no credit report could be found based on the information I sent to them, but did not conclusively state that no credit report for me existed within their database, as I requested in my letter.

On XX/XX/XXXX, I sent a second reply to TransUnion, again asking for a reinvestigation, and emphasizing that I desired a response in clear and unambiguous language that I either did or did not have a credit report in their database. With this letter, I again sent copies of the official identity documents that TransUnion requested in order to perform their reinvestigation. On XX/XX/XXXX, I received a response from TransUnion identical to the one I had identified as being insufficient.

In spite of my two clear and reasonable letters, TransUnion has failed to answer with an acceptable level of specificity whether or not I have a credit report.
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 and confidentiality under 15 USC1681 Accounts : XXXX XXXX XXXX  # XXXX, XXXX  XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 USC 1681 section 602A states I have the right to privacy.

15 USC 1681 section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 antedate the report by more than 7 years 15USC 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 accurate.
Product: Vehicle loan or lease

I dispute the debt claimed by Chase Auto Finance and have requested validation of the debt. Despite my requests, Chase Auto Finance has failed to provide the necessary validation, which is a violation of the TILA and FDCPA. In order to resolve this matter, I am requesting that Chase Auto Finance provide me with the following documentation : a signed invoice and a copy of the contract signed by both parties, binding both parties, as well as verification of the debt from their actual accounting. 
Additionally, I reserve all of my lawful rights without prejudice and do not accept any contract unless it meets the four essential conditions for a legally binding contract, which are full disclosure, equal consideration, lawful terms and conditions, and the wet ink signatures of both parties. 
I am willing to pay any alleged financial obligations that I may lawfully owe, but only if Chase Auto Finance provides the required documentation and meets the essential conditions for a lawful contract in compliance with all applicable laws and regulations.
Product: Payday loan, title loan, or personal loan

This one in particular loan world finance incorporation went from my home state which is XXXX South Carolina to XXXX South Carolina XXXX South Carolina and XXXX South Carolina and my thing is if someone was using my information because I'm filing it as a theft accept unauthorized charge the amount that they apply for was XXXX I think it was an unsecured loan and the charge off was XXXX but my thing is if someone stole my identity how can they go into a big loan office like this and apply for service and it's not me so yes I do have a complaint about this I've been trying to get this off of my credit because this is one of the main things that's on my credit that's holding me back from getting a lot and I did not do it I honestly did not do it so can you guys please help me thank you
Product: Credit reporting

I have applied for a Mortgage with  XXXX   XXXX . Equifax refuses to give  XXXX   XXXX  my credit report.  XXXX   XXXX  indicates Equifax says there is a credit hold on my report. I call Equifax who indicates there are no holds and no problems. I called Equifax 's mortgage division and it indicated  XXXX   XXXX  used the wrong address and no birthday.  XXXX   XXXX  used the other address and my birth date and they were denied my credit report again indicating there is a fraud hold on my account. Equifax is holding my credit hostage and this company should not be allowed to just do as it pleases without having to answer to anyone. I have had numerous problems with Equifax and its refusal to fix improper reporting in the past, but denying a mortgage company a report is the final straw. I should n't have to hire an attorney to sue them to do what they are supposed to do. These companies need better regulation and consequences for their actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. I found that under section XXXX ( a ) XXXX and TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( XXXX ) Appropriate proof of the identity of the consumer ; ( XXXX ) A copy of an identity theft report ; ( XXXX ) The identification of such information by the consumer ; and ( XXXX ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) This letter is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th complaint that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a letter from Midland Credit Management regarding a supposed debt from a credit card that was closed last year. The letter stated they were planning on suing me for the debt, despite only " having acquired it in XX/XX/2024 ''. When I requested a verification letter from them I was told they sent one but this was the first I was hearing of this. The representative denied my request and upon my questioning why this is the first time I'm hearing about this supposed debt I was told I have 2 options : pay up or go to court. I don't have a job and have been looking since XXXX. The person on the phone told me if I paid {$75.00} a month for 30 months the debt would be gone. I feel like they are using intimidation tactics to force me to pay something I can't afford to right now.
Product: Mortgage

My husband and I recieved a mortgage in XX/XX/XXXX from Bank Of America to purchase our home. Because of the price it required 2 mortgages, One was a balloon mortgage due in 10 years ( XX/XX/XXXX ). We never missed a payment on either note, When the balloon note was due we just assumed they would refinance it for us as we could not pay it off at that time. They would not refinance because the value of our home decreased. I called BOA for advice and was turned over to their debt collection department. I was told to do a loan modification but to keep making the payments on the loan. We sent in 3 payments which were returned to us and was told pay the balance or nothing. I did as the my account manager asked, sending in documents regarding our income etc, For a period of 5 months I dealt with several different personal account managers and underwriters. Nearly every week the account managers would call and say that the underwriters wanted more information about our finances etc. Just when I was told that was probably it, the account manager would call back the next week with more questions from the underwriter. All this went on from XX/XX/XXXX to XX/XX/XXXX. This caused us to be in default on the payments of 5 months! We did finally get the loan modification but at a higher monthly payment and interest rate. I was told in the beginning the monthly payments and interest rate would be lower. 
BOA sold our first mortgage a few years ago to XXXX but BOA retained the balloon mortgage. We asked XXXX ( now XXXX XXXX ) if they would combine the 2 mortgages and at a fixed rate. ( The mortgages we have are not at a fixed rate. ) We were denied because of the missed 5 payments to BOA. We are both in our XXXX and even if we tried to sell our home now it would have to be a " short sale ''. Not something we want to do at this point in our sunset years. 
We feel these missed payments were not our fault. The BOA underwriters did not have their act together in my opinion. There was no reason this loan modification could not have been done in a few weeks not 5 months! I would appreciate it if BOA would issue us forgiveness for the missed payments and report this forgiveness to the credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, BARCLAYS BANK DELAWARE ( Bank ) made an unauthorized hard inquiry on my credit. I called the bank, and the person that answered kept asking for my social security number. I refused to give out that information. I was told there would be an investigation. I have not applied for any credit. Nor do I intend to apply for any credit in the next 5 years.
Product: Mortgage

On XX/XX/2023, I accessed my account at Newrez over the internet. The Newrez page asked me to update my password, which I did. I then made an extra principal payment. I logged out and logged back in to look at my payment history. I then noticed that the name on my page had been changed from my name to a name I did not recognize : " XXXX XXXX. '' I logged out, restarted my computer, and tried to log in again, but the page said I had the wrong password. I tried to update the password, but was unable to do so. 

I then tried to call Newrez, but I got a recording saying the number could not be reached from my calling area ( I am in XXXX XXXX ). 

Finally, I asked my brother-in-law to call for me from California. He was able to do that and put me on a conference call with Newrez. I explained the situation to them and they promised to help within 48 hours, but they have not done so. 
Currently, I am locked out of my account, and Newrez will not help me. I have reached them twice by having other people patch me through, and they promise to send me links via email, but I have not received anything. This is a very serious situation for us because this is our mortgage holder and there is a different name appearing on our account, and we can not get Newrez to help us.
Product: Credit reporting, credit repair services, or other personal consumer reports

as of XX/XX/2019 during an employment process, i was made aware of a debt account that would prevent me from being hired. Upon further investigation of an account i am unable to find out exactly what it is for. 
When speaking to the collections agency about the account the ask me if i am XXXX. Which is my ex wife and no one is able to tell me exactly what this account was in question but i am being told i am responsible for payment. I will not pay this account as in the divorce decree it is stated that She will pay debts that are in her name and i will pay debts in my name. I am not aware if this debt has my name on the account and will dispute in order to have it removed and placed completely on her account.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within XXXX business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

The following companies have listed false hard inquiries on my credit report, these hard inquiries listed should not be listed on my credit report. I have attached my police report to this report and these hard inquiries should be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX, XXXX  XXXX XX/XX/2022 XXXX  XXXX Balance : $ XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/202XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recall making this inquiry on XX/XX/2021.