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

Date : XX/XX/XXXX Name : XXXX XXXX XXXX Birthday : XXXX XXXX XXXX Dear Experian, XXXX, and XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

The following inquiries and accounts are unauthorized or inaccurate, and I ask that you delete them at once... 

NOTE ... Inquires and accounts please delete ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I don't recognize these lenders and I don't remember authorizing them to perform a hard inquiry nor did I authorize any new accounts on my credit report Act, I demand that these items be investigated and removed from my report Please remove any information that the creditor can not verify and show permissible use **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 an 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( 1 ) the person, has been notified by the consumer, at the address specified by the person for such notices, that specific Information is instead inaccurate ..... 

NOTE ... FTC REPORT ATTACHED... 

Thank you for your time and help in this matter. 

Sincerely. 
XXXX XXXX XXXX NOTE : Valid FTC REPORT ATTACHED, drivers license and social security card
Product: Credit reporting or other personal consumer reports

I filed multiple disputes on Experian regarding the following accounts XXXX closed account Balance {$0.00}, XXXX XXXX XXXX XXXX XXXX account, Balance {$760.00}. These have been reported to Experian on numerous occasions with Multiple FTC reports as I have had my information leaked in multiple data breaches and used. Experian denied to follow up with a proper accurate investigation. I was Previously notified that the CFPB has recently filed a lawsuit against the company Experian. Alleging that the company has a history of accepting unreliable information, Falling to remove inaccurate or incomplete information, failure to notify consumer of dispute results and unwilling or being fully incapable of operating lawfully. This aligns well with my situation entirely as this has been my experience with Experian. I have sent multiple documents in verifying myself that follow their accepted documentation and they have refused my dispute request every time sending a follow up letter stating I needed to send in more Identification, I have called and have them on recording stating they have received my documents and that they need more but would not tell me why my documents were not suffice enough to complete my dispute. I have been at it for 4 years now with this company trying to remove these inaccurate harmful remarks off my credit. Experian has not attempted to remove, nor correct any information. I'm requesting these derogatory inaccurate remarks be removed immediately as its affecting my chances of getting a house. EXPERIAN violates my rights as a consumer as well as federal laws.
Product: Credit card

I received a letter from Citi regarding an issue with an account ending in 4 # s I didn't recognize, Concerned, I immediately called Citi to report this discrepancy and seek clarification. The answer I received was a misclarification and it had already been taken care of. Then 5 weeks later I got a letter from Citi Bank stating that they had attempted to electronically recover funds, it was my grandson 's account and XXXX denied access and Citi wanted me to go to my bank I guess to say it was ok. I don't know I never got a straight answer.I have reached out to Citi Numerous times with no clear reason. This month I got my Citi statement and after noticing a {$730.00} charge on my current card I contacted customer service and the fraud dept, I have made numerous attempts to retrieve any relevant correspondence, but they have been unable to explain the charge or locate the letter they previously sent. I have reached out many times and at this point, I don't know what else to do I have gone to my bank and they see nothing in the records If you need more info please reach out I will attach the statement that the pre-purchase charge is on also it is XXXX different amounts on the cover statement it's {$730.00} and the Account summary sheet its {$760.00} plus XXXX in interest. My Account with Citi has been close for a year so I do not have a credit card # just the last four digits of the account which is XXXX I have asked them to send me my card # and they will not
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been having issues with unrecognized address on my credit report. I have no ideas who's addresses these are maybe possible they belong to a family member. Please remove the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, OH XXXX I have promotion inquires on my credit report I would like to OPT-OUT of ALL promotion inquires for credit cards and insurance. On my XXXX XXXX report the following number need to be removed ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX. This would be a great help for me if this was done soon.
Product: Credit card

I supplied Capital One with payment coupons to pay and clear the DEBTS that I owed. This company REFUSED to accept these payment coupons as PAYMENT and also REFUSED to RETURN them to me as I requested if they ( payment coupons ) was not accepted as payment. This action by this company have HARMED my credit report and score with ALL 3 credit bureaus.
Product: Debt collection

I called Macys/CBNA and requested account information. I was told I had XXXX accounts with XXXX balances. I am a victim of identity theft and my information has been comprised in a data breach. I don't owe Macys. My macys account has been paid and closed for years.
Product: Debt collection

I saw a debt collection on my credit report, XXXX XXXX and XXXX for a school Ive never been, never received any services from them, I contacted XXXX XXXX the debt was clear at the time it was XXXX, soon later theyre removed the debt to XXXX which is almost {$10000.00} for no reason. Ive never been in this school and never received any services from them. First time I talked to them I got insulted from them, they even told they know where I am working, the will contacted the place that I am working. T
Product: Credit reporting or other personal consumer reports

I am writing to express my profound dissatisfaction with the continued presence of fraudulent items on my credit report, despite a second attempt to rectify the situation. The handling of this matter has been deeply unsatisfactory, and I feel compelled to bring this issue to your attention formally. 

I initiated the process to dispute and remove unauthorized and fraudulent items from my credit report. Despite a previous attempt, these items persist on my report, causing significant distress and concern about the accuracy of my credit history. 

I understand the importance of promptly addressing fraudulent activities and maintaining the integrity of credit reports. I expected that the second attempt to rectify this matter would yield positive results, but unfortunately, that has not been the case. 

I insist on an immediate and thorough investigation into the reasons for the persistent presence of fraudulent items on my credit report, despite a second attempt to remove them. I request a detailed explanation of the steps being taken to expedite the resolution of this matter and prevent similar lapses in the future. 

Furthermore, I demand that you provide a formal, written confirmation of the successful removal of the fraudulent items from my credit report within the exact time frame of receiving this letter. Failure to address this concern promptly will compel me to escalate this matter to relevant regulatory authorities and consumer protection agencies. I am asking for your assistance to remove the fraud items in my crewdit file : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, IL XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019, I became the victim of identity theft. I tried countless times to dispute this with the XXXX, XXXX  and XXXX  and to no avail was I able to get the account removed. I then had to go a step further. I contacted my local police department to get a police report for an account opened in my name falsely. That finally got the account removed and here I am months later and the account is back on my credit and would like it removed. This account was not opened by myself nor have I ever lived at this residence. Looking at my payment history, I have never had a late payment. This has been removed once resulting in a fraud alert on my account and I would like this one removed as well.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of A credit card account opened at XXXX on XX/XX/XXXX Account number ( XXXX ) a credit card account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX Account number ( XXXX ) a credit card account opened at XXXX on XX/XX/XXXX Account number ( XXXX ), a credit card account opened at XXXX XXXX  on XX/XX/XXXX Account number ( XXXX ), a Collection Opened at XXXX  on XX/XX/XXXX Account number ( XXXX ), a collection account opened at XXXX on XX/XX/XXXX Account number ( XXXX ). These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts and collections, are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaints XXXX and XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXXDate Opened : XX/XX/XXXX Balance Owed : {>= $1,000,000} Late/Open - lates date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I contacted Bank of America on XX/XX/XXXX after I received notice from my credit monitoring service that an inquiry by Bank of America had been made on my credit report. I spoke with a representative and informed that I did not request a credit card with Bank of America or authorize them to access my credit report. The agent assured me that the attempt at acquiring a credit card had not been processed and that she would terminate the application and the inquiry would be removed. This was in XXXX. It is now XXXX and the fraudulent inquiry is still on my credit report
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY 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. 

Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XXXXXX/XX/year>
Product: Mortgage

Hi! 

I am trying to remove PMI on my mortgage early. I purchased XX/XX/XXXX for {$570000.00}. Mortgage remaining is {$500000.00}. I called XXXX XX/XX/XXXX and Mr. Cooper informed me ( I have a recording ) that I can obtain my own appraisal to increase the value of my home, email it to them, and they will remove the PMI. I also asked if that was the only requirement and I was told that was it. So XX/XX/XXXX I paid {$500.00} for an appraisal ( showing value of {$690000.00} well under the 80 % threshold ) and sent it to XXXXCooper on XXXX XX/XX/XXXX. They replied that they received it XXXX XX/XX/XXXX. I called XXXX XX/XX/XXXX to check on the status of the PMI removal since the next payment is XXXX XX/XX/XXXX and I don't want to pay any PMI now since I requested the update. 

I was then informed that I do not meet the 12 months of good payment history and the appraisal must be ordered through Mr. Cooper and not by myself. I asked about a refund and the representative did not agree to a refund. Additionally, I asked about the payment history requirements. The representative said I had 30 day late payment for XXXX and XX/XX/XXXX and do not meet the 12 months of good payment history and to try again in XXXX. 

The XXXX late payment was known to me however I believe it was corrected. This mortgage has the escrow payment built into the overall payment. XX/XX/XXXX the overall payment increased from {$3900.00} to {$4100.00}. I made the XX/XX/XXXX payment of {$4100.00}, then paid {$3900.00} in XXXX by mistake ( and not realized until XX/XX/XXXX ). I then sent the correct payment XX/XX/XXXX of {$4100.00}. I saw late payments pop up in my credit report XX/XX/XXXX and saw it was late and XXXX XX/XX/XXXX paid the correct payment of {$4100.00} and any remaining balance from the previous months. During this time, I was not aware of this issue and received no notice from Mr.Cooper about any missed payment. Informed delivery from XX/XX/XXXX to XX/XX/XXXX show no letters being received by the USPS for delivered to my house. 

When I called Mr. Cooper they told me the XXXX payment was 30 days late and the XXXX payment covered that. Then the XXXX payment covered the XXXX payment. The credit bureau show only XXXX was 30 days late. I then requested they correct the missed payment since everything is now caught up and it was a escrow change. I believe they corrected it for XX/XX/XXXX because my credit reports show no 30 day late notice for XX/XX/XXXX and on time payments for every other month ( included XXXX ). However I have not received any written notice of their conclusion ( which they said would be sent within 30 days of XXXX XX/XX/XXXX ) Optimal Resolution : I would like the PMI to be removed and not have to make any more PMI payments. Then take responsibility for taxes and insurance and never have to call Mr.Cooper again.
Product: Consumer Loan

I obtained a XXXX XXXX in XXXX of 2015 on a lease. Last month they filed a late payment with the credit bureaus. As a result I can not get my mortgage that I was pre-approved for. According to my payment history I have made 19 payments, which is one payment ahead of schedule. I have had to call every other month due to the poor finance department record keeping. I contacted the finance department a few hours ago and asked them to contact the credit bureau to remove the late payment. Their response was that they can not call and have it removed. My KIA MOTOR FINANCE act number is XXXX. I have had countless phone calls in regards to my act. The one month that I was 1 day late, I contacted them to let them know that I would be paying it on that day and they reason why I was late. My husband passed away on XXXX XXXX and I was dealing with his death, the estate and removing his possessions from his apartment. They told me that it would be noted and that there would be no problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to repair my credit. I signed on with Trans-union because it seems most of the lenders use these as primary source. I thought your credit reports were free if you used it once a month, accordingly I mistakenly signed on with them. When I tried to ascertain specially what my adverse issues were I was charged XXXX 2 times, I called and complained to the vender. They did not charge one of 2 items but refused to refund my 1st charge dated XX/XX/2020, i consider this and all the rest of them criminal in the actions. XXXX  is the same thing, I will be making a issue of it tomorrow.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices. Specially, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as the did not comply with the error solution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Prepaid card

At first card not received. XXXX resent but with withdrawals already made. Funds nearly depleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are fraudulent accounts on my credit report and I have disputed these information with all three bureaus. Only XXXX has complied and blocked the information, however experian and XXXX  have failed to comply with the FCRA and remove these accounts. I have filed a police report with XXXX and also a FTC report and forwarded them to the bureaus, however they keep making unreasonable and unrealistic statements such as the report not being valid. Please investigate this issue and help me have these accounts removed
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to request the deletion of a specific account from my credit report with EQUIFAX due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Details of the Account in Dispute : Account Number : XXXX Creditor Name : XXXX XXXX  Incorrect information identified in reports from all three credit bureaus : Inconsistencies in Payment Comments : XXXX : " Purchased by another lender. '' XXXX : No comments provided. 
Equifax : " CHARGED OFF ACCOUNT. '' Discrepancy in Date of Last Payment : XXXX : XX/XX/XXXX. 
XXXX : XX/XX/XXXX. 
Equifax : XX/XX/XXXX. 
Discrepancy in Last Reported Date : XXXX : XX/XX/XXXX. 
XXXX : XX/XX/XXXX. 
Equifax : XX/XX/XXXX. 


Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process. 
Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information. 
Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : In accordance with the FCRA, if the information can not be verified, it must be removed from the report. 
Responsibility of Information Furnishers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : The creditors inability to validate this information warrants its removal.

Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report suggests a failure to adhere to required accuracy procedures.

Permissible Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data. 
Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right. 
Supporting Case Law : In XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ), the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. XXXX XXXX XXXX, XXXX further reinforces the obligation to maintain reasonable procedures to ensure accuracy.
Product: Credit card or prepaid card

Hi, I had an account with Comenity Bank ( XXXX XXXX branded card ). I missed to make a payment with them and they have directly reported my account to credit bureau. Comenity bank did not try to contact me via Phone, email or postal mail to see if I can make a payment. Instead, they went ahead and reported to credit bureaus. I am having a very severe impact due to this for getting a competitive rate for my home purchase / Auto loan. 

I have requested comenity bank to remove the reporting as they did not make any attempt to reach out to me, but they have refused to do so.