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

XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl. XXXX Equifax XXXX  XXXX  Suppression Request To Whom It May Concern : I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of 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 Supporting documents are enclosed with this letter. Please let me know if any additional information is needed. Furthermore, when you accept this request, please send the notifications required by the FCRA to all furnishers of the blocked information. 
Sincerely, XXXX XXXX XXXX Enclosed : A copy of my Identity Theft Report Copies of my drivers license and social security card ( to verify my identity and address ) A copy of section 605B of the Fair Credit Reporting Act Also, please note : * Please remove allnon-account holding inquiriesover 30 days old. 
* Please add aPromotional Suppressionto my credit file. 



According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify-through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed above. 

This is identity theft and I expect you all to protect me and follow the guideline of the laws accordingly.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$800.00} XXXX  XXXX Balance Owed : {$1600.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

When I started the course and the year XXXX  I sent the letter canceling my semester before the semester started. Apparently they say they never received the letter of the cancellation. They wanted me to pay the full amount of my semester I got laid off and I couldnt afford to pay my semester and when I made a phone call to the place they told me if I write a letter before the semester over and start the new semester I could cancel it I was not gon na pay for it
Product: Debt collection

I received a call from a blocked number claiming to be from an unspecified process server that wanted to confirm I was home to serve papers for a legal case. The person on the other end of the call would only give a case number, a phone number : ( XXXX ) XXXX, and that the law firm in the suit was XXXX and XXXX. I did not give the person any personal identifying information, but they had publicly available information about me as well as the last 4 digits of my SSN ( which they disclosed to me without taking any reasonable steps to verify my identity ). 

I then looked up the number given and the name of the law firm, but there was not enough information to identify the law firm and the phone number search did not return anything. 

I then contacted the XXXX number to get more information. The person I spoke to claimed to be calling about a XXXX auto loan for a car that was repossessed 19 years ago. They threatened me with wage garnishments and liens on my property if I did not acknowledge the debt and agree to repayment. Again, I did not give the person any personal identifying information, but they had information on the loan, including a loan amount and an amount owed on the vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three agencies have continuously violated and continue violating my federally protected rights as a consumer, privacy through privacy act of 1974 and as follows THE PRIVACY ACT OF 1974 : The Privacy Act provides protections to individuals in three primary ways. It provides individuals with : the right to request their records, subject to Privacy Act exemptions ; the right to request a change to their records that are not accurate, relevant, timely or complete; and. 
15 U.S.C. 1981 SECTION 2 A State that I, as a consumer, have the RIGHT TO PRIVACY 15 U.S.C. 1981 SECTION 604 SECTION 2 : States that a consumer reporting agency CAN NOT furnish any information on my account without the expressed written instructions of the consumer which is I, and no agency XXXX, Experian, XXXX has attempted to receive written instructions from I, the consumer, nor have they received any such instructions. My federally protected rights have been continuously and maliciously been violated and neither has attempted to correct to this date.

15 U.S. Code 1681c - Requirements relating to information contained in consumer reports : ( a ) INFORMATION EXCLUDED FROM CONSUMER REPORTS : ( 1 ) Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. ( 2 ) Civil suits, civil judgments, and records of arrest that, from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period. ( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years. ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 5 ) 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. Code 1681s2 - Responsibilities of furnishers of information to consumer
reporting agencies ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$280.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX TXXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX US DEPT OF EDXXXXI XXXX XXXX, XXXX XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting or other personal consumer reports

Nelnet will not remove credit history. Student loan was transfered to XXXX and then later erased and closed through borrowers defense program. Although XXXX information is removed from credit report, Nelnet will not remove theirs.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three major credit bureaus have illegally hoarded my person information without this Consumers expressed written consent. EQUIFAX WITH A SECOND HACK ON XXXX2017. I 'M IRRITITATED. Pursuant to the 1974 Privacy Act all 3 credit bureaus violated all privacyrights and allowed personal information to be leaked due to their and false misleading ways. According to the Fair Debt Collection Practices Act all three credit bureaus maliciously and collectively shared this Consumers personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions, and a host of others. My wish is to demand on my behalf that all 3 credit bureaus remove all of this  Consumers social security number, date of birth, financial accounts or credit/debit card numbers, driver license number, detailed health or medical history or similar sensitive information. All relations with these 3 credit bureaus are now in question for reporting fraudulent information to disgrace this Consumer. Consumer wishes for damages of XXXX XXXX dollars from all 3 credit bureaus for their Treasonous deeds and all will be forgiven. Consumer would also like thank thr Consumer Finacial Protection Bureau for protecting her/his Personal, Family, and Household.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Here I attach, along with the dispute, my fraud report that I just sent to XXXX for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. 
I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.
Product: Credit reporting, credit repair services, or other personal consumer reports

A XXXX account via Prosper Marketplace was charged-off in 2016. Prosper states on my credit report that the account was sold to a third party following the charge-off. The company that Prosper lists as the third party is different than XXXX XXXX who is the collections company purporting to collect on the same charged-off XXXX account that Prosper is reporting on my XXXX credit report. 

XXXX XXXX and Prosper XXXX are both reporting negative information for the regarding the same XXXX funded account. This is a duplicate reporting that creates an unfair negative impact from a single account. XXXX must remove the duplicate negative reporting.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom can help, I submitted a dispute on XX/XX/2021 to XXXX XXXX, and Transunion of items that were alleged to belong to me that are being reported on my credit report. The 30-day time frame is outlined in the FCRA 611 ( 15 U.S.C. 1681I ), which has passed and they are out of compliance. This is not good for them to keep reporting this inaccurate information that is staining my credit report, which I've worked hard to build. For all I know this could be linked to the XXXX data breach are. I would like this information removed immediately or I will seek litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax isn't reporting a credit card that I have had for almost 2 years. They stopped reporting about 6 months ago for some reason and I have called them along with the credit card company. The manager at the credit card company verified that they electronically sent it to them and Equifax is stating they haven't received it. We are trying to buy a home and I had to open a NEW credit card in my name only just so something is reported on Equifax. This has now affected my other credit reporting on XXXX  and XXXX  because they report an AVERAGE of all credit cards and since this NEW one was opened only in XXXX, its dropped my score. I am not sending Equifax my FULL Social Security Number, FULL credit card number, FULL name, Date of Birth, etc. to an Equifax address. I have already given them any information needed and they can see that this was reported almost 2 years ago and then 6 months ago it stopped with NO explanation.
Product: Mortgage

Uodate on my previous complaint : According to Superior Court of California dated XX/XX/XXXX my proproperty was never sold and a mortgage was never opened by anyone except me in XX/XX/XXXX. Please refer to case information XXXX XXXX for " XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ''. Please see Register of  Actions. 
I was evicted and can not stay in my home. Please have the sheriff or appropriate government official give me possession of my home. There are squattters/people living in my home and making illiegal alterations to my home now.
Product: Credit reporting or other personal consumer reports

On or about XX/XX/2021 i had a breach of security on my computer causing a theft of my drivers license as well as my social security. In addition to the the computer breach of security and also lost my drivers license and social security card. My Personal identifying information had been stolen online and physically and the id theft thieves had subsequently opened credit card accounts fraudulently, The following banks that had issued fraud credit card accounts as well XXXX, equiafax and XXXX have been reporting the fraudulent accounts on my credit reports causing an extreme hardship. I am a military veteran for over 20 year and dont deserve this kind of treatment. The following banks and accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I must say i am a die hard american XXXX veteran and i am beside myself that these criminals and the credit issuers allowed this. I amk protecting them and what do they do, Rob me.
Product: Credit reporting or other personal consumer reports

These attached accounts have been disputed XXXX and this has yet to be resolved, please resolve this matter. 


XXXX XXXX - XXXX XXXXThis account is positive and has been disputed multiple times. XXXX has yet to update. 
XXXX  XXXX - XXXX account was opened XX/XX/XXXX, this account is well over 7 years reporting this is a violation. 
XXXX XXXX - XXXX Account legally paid in full for less than the full balance. Account legally paid in full for less than the full balance. 
XXXX XXXX - XXXX account was opened XX/XX/XXXX, this account is well over 7 years reporting this is a violation. 
XXXX XXXX - XXXX well over 7 years reporting. 
XXXX - XXXX Account reporting well over 7 years. 
XXXX - XXXX account reporting inaccurate. 
XXXX - XXXX reporting inaccurate. 
The following inquiries : These inquiries are unknown and have been disputed multiple times, XXXX XXXX XXXX XXXX unknown XXXX unknown
Product: Debt collection

I did miss a payment in XX/XX/XXXX. Due to my finances I was unable to bring my account current until XX/XX/XXXX All other payments were made. I have payed receipts for all payments. All payments were made at Bank of America bank or pay by phone, a Bank of America XXXX number printed on thier monthly bill to pay. Last month I received a packet from the Bank of America stating forecloure is being started and XXXX the month of forecloure. I then called XXXX XXXX XXXX. XXXX XXXX XXXX was the XXXX assigned to help me. 
A letter was sent to the bank and the foreclosure was dropped. Now as per my records back payments were brought up to date. XXXX XXXX sent a letter requesting a report from the bank listing all payments made. No report has been made or sent to me or any contact from the bank by letter or phone. 
When the account was brought to date by my records the bank showed a balance of {$1600.00} still due. A report of Bank 's payments received would help to resolve this matter, which i previously requested. 
Please help me to resolve this matter. The Bank seems not to be interested in resoving the matter. 


Sincerely yours, XXXX XXXX XXXX XXXX XXXX XXXX, Az XXXX XXXX XXXX ( cell )
Product: Credit card or prepaid card

I needed to dispute a credit card transaction for services not ad described and/or services not delivered. The original transaction date was on XX/XX/XXXX in the amount of {$6000.00}. The date which I learned the services were not as described and/or not delivered was on XX/XX/XXXX. I contacted my financial institution USAA to dispute the transaction and was told they generally can not dispute transactions beyond 60 days but would do so if I submitted my request in writing. I submitted my dispute request in writing as instructed, and was informed that they would not proceed further due to the transaction elapsing 60 days, which contradicts entirely how they advised me initially. I asked for clarification into why this was the response given and was furnished no credible information. Doing my own research, I discovered via VISA ( credit card ) guidelines that the time limit is 540 days. Per VISA literature : The issuer can pursue a dispute as the original services were not rendered using Dispute Condition 13.1 Merchandise/Services Not Received. The time frame would be 120 days from the expected services ( not to exceed 540 days from the transaction processing date ). USAA refuses to acknowledge the terms and services of VISA as the issuer, refuses to issue a dispute despite clear guidance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate the account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I was a victim of predatory lending by American Financial Network XXXX XXXX XXXX XXXX. He baited me with a low interest rate before and after my loan process with a 3.625 % mortgage finance rate. This was on a 30 year conventional fixed loan with 5 % down. He ran my credit and I had a XXXX credit score which is the highest bracket I could be in. I applied for the mortgage loan with AFN on XXXX/XXXX/XXXX and on the closing disclosure estimate it stated 3.625 % rate. However when asked if it was locked he XXXX XXXX XXXX XXXX stated I had to sign the loan application and disclosure estimate. He also replied in a separate email on XXXX/XXXX/XXXX that it was indeed " locked 3.625 % with our # XXXX top investor. '' I have proof of that email as well as documentation of the underwriter also approving me at the 3.625 % fixed rate and credit score. So XXXX strung me along the whole mortgage process until XXXX/XXXX/XXXX ( after expected close date ) when he revealed that his investor backed out of the promised 3.625 % rate and that I would have to accept a 5 % rate! He stated to me and my agent that he purposely avoided telling us sooner since he was 'nauseated ' at the news. He waited until after the election to tell me and by then rates had skyrocketed to 4 % and above. He eventually told me 4.5 % is the best rate he could get for me! Since I had no other recourse I had to accept. The rates did indeed go up everywhere and I was at major risk of losing the home. So he had me cornered. I was offered a free refinance certificate in case the rates dip well below 4 %. I want justice for the bait and switch scam AFN is running. The fraudulent scam that XXXX pulled on me will cost me about {$86000.00} over course of loan and $ XXXXmonth extra ( $ XXXX ). Please refinance me at the " locked '' rate of 3.625 %. Thank you.
Product: Mortgage

I received 4 late mortgage payment charges in the last 12 months. My monthly mortgage statement says that if payment is received after the XXXX of the month I will be charged a late fee of {$36.00}. My mortgage payments are sent electronically from my bank ( XXXX XXXX Bill Pay service ). I never choose a date for delivery that can not be confirmed for delivery by bank and never choose a date past the XXXX of the month. My bank delivers payments electronically 1 day before scheduled payment date and issues a confirmation number. 

Of the 4 late fees in question, XXXX XXXX  has confirmed electronic delivery to Bethpage Mortgage Company no later than the XXXX of month of all 4 payments. 

If the late fee date is other than after the XXXX of month then mortgage statement should reflect it.