23daVinci/CFPB_Complaints huggingface dataset:
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 a 2nd request 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 XXXX 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 XXXX XXXX XXXX XXXX SOC SEC #  XXXX DOB XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, I have applied for a mortgage and rate shopped with three lenders. According to the Consumer Financial Protection Bureau, shopping around for a mortgage will not have a negative affect on my credit score as it is considered 1 inquiry as long as it is done in a 45 day window. My credit score has dropped on all 3 of my credit checks for mortgages. I called all 3 credit bureaus and was told that that only applied if it was the same mortgage company. One tech even hung up on me. I even quoted the information on the CFPB website and was told that was incorrect. I am not able to dispute or have them correct the information so that it won't affect my score 3 times. 

The inquiries are : XXXX XXXX XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Mortgage Reporters Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX XXXX XXXX XXXX Mortgage  Companies Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX
Product: Money transfer, virtual currency, or money service

I light of the recent CFPB lawsuit, I am writing to express my concerns about XXXX handling of disputes adequately and failing to investigate my disputes.
Product: Vehicle loan or lease

Ive tried online and calling for assistance with lowering my payment or a deferment as my partner and I have been out of work two different times with Covid-19. Please help lower the monthly payment or do a three month deferment
Product: Credit reporting, credit repair services, or other personal consumer reports

as previously notified, I am a victim of identity theft
Product: Credit reporting

The credit reporting agencies are incorrectly reporting my current account status as 60-120 days past due. I paid the accounts and have a zero balance. I want the credit agencies to report the current status correctly as " Paid as Agreed ''.
Product: Credit reporting or other personal consumer reports

There are several inaccuracies on the personal information section of my consumer report. The first inaccuracy is the name. My name is XXXX XXXX every other reported name is not me and can lead to identity theft. Next, my address is also incorrect. There are several non mailable addresses that should NOT be reporting as I do not live there nor have I ever lived there. The correct address is in the attached letter.
Product: Checking or savings account

On XX/XX/2023, an unauthorized use of my Chase bank card for XXXX at XXXX XXXX XXXX XXXX, New York. I reported it a on XX/XX/XXXX to Chase bank about the fraudulent transaction. Chase Bank look into this matter and determined it not fraud. I do not use my Chase bank card as Visa card. All of my purchases are typically conducted using a XXXX XXXXXXXX credit card. On XX/XX/XXXX I used my XXXX XXXX card 3 time in California where I live. I do not live in XXXX NY where the fraudulent transactions transaction took place on XX/XX/XXXX. I have contacted Chase bank multiple times.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX, is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX, and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX, never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple disputes in regards to a dismissed XXXX XXXX XXXX file date of XX/XX/XXXX to XXXX, equifax, and XXXX  about the validity of report on my credit report. these disputes have been made over the course of the last 4 months starting on XX/XX/XXXX. Each time, the bureaus claim to have verified the information with the U.S. XXXX court! I have contacted the said court and have been told explicitly that they do not and never will share or verify information with any credit bureau or anyone for that matter. Furthermore, I have asked the bureaus for written, signed verification from the ORIGINAL reporting agency bearing my full name, social security number and date of birth confirming this Bankruptcy belongs to me. They have not done so! This is a clear violation of the FCRA! The information they are reporting is preventing me from obtaining housing. Also, in the eyes of the law, any case, civil or otherwise that is dismissed no longer exists. Therefore, they have no right to maintain information that the government has deemed nonexistent! Pursuant to 1681 ( a ) ( 5 ) of the FCRA, this must be deleted from my credit reports.
Product: Mortgage

XXXX XXXX XXXX XXXX has not responded to my escalation of wrongful appeal denial by Fay Servicing for my request for mortgage assistance submitted XX/XX/XXXX. XX/XX/XXXX, XXXX XXXX XXXX XXXX through its attorney at XXXX, XXXX has requested to the Court to proceed in its Motion to Substitute Parties in foreclosure action XXXX filed at Delaware Superior Court in XX/XX/XXXX. My mortgage loan was transferred to XXXX XXXX XXXX XXXX in XX/XX/XXXX. XXXX XXXX XXXX XXXX is engaged in dual-tracking through Fay Servicing ( Loan Number XXXX ) in its pending motion is to substitute parties from XXXX XXXX to XXXX XXXX XXXX XXXX to proceed in judicial foreclosure. 

Fay Servicing is under an active 5-year Consumer Financial Protection Bureau ( CFPB ) Consent Order ( File No. XXXX ) for among other things, its violations of mitigation procedures ( 2 CFR 1024.41 Loss Mitigation Procedures ).
Product: Debt collection

COMMONWEALTH FINANCIAL Contact XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$1200.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit and personal information is in " XXXX , XXXX '' posession and is being used to make credit decisions. I have never heard of this organization. XXXX, XXXX and XXXX are the only Legit credit bureaus. Why do this organization have my information?
Product: Mortgage

I received a call from loan depot offering lower rates based on recent changes made by the fed. I explained that my only desire was to find a lower interest rate. I provided all of my information including my homes value the outstanding mortgage amount, my credit score, my income etc. When the rep said he was going to pull a hard inquiry on my  credit report I stopped him and said based on an excellent credit rating what interest rate would you be able to offer. He said between XXXX and 3.25 %. I said based on that go ahead. He placed me on hold then came back with an offer at 3.5 % for a 15 year loan which would increase my payment by XXXX a month. I asked where is the XXXX to 3.25 % rate. He said oh that would be an arm. I asked what was the rate for a 30 year fixed conventional mortgage like my current loan. He said 4.2 %. I said I told you I was pursuing a lower rate, I did not ask for a lower term or to change my payments. He intentionally baited me into pulling my credit report after I expressed my concern over doing so for no reason. The rep was unethical and never had a product that met my requirements but pursued anyway. I would fire an employee of mine that behaved in this fashion.
Product: Credit card or prepaid card

On XXXX XXXX, I reached out to AMEX and chatted with a customer Representative to work out a payment plan on my Credit card with I was late 91 days. This happened due to been hospitalized because of XXXX and my XXXX XXXX XXXX because of XXXX. The Customer representative agreed to debit my checking account on XX/XX/XXXX ( {$500.00} ) and XX/XX/XXXX ( {$500.00} ) and I was to pay the remaining balance before XX/XX/XXXX. Today XX/XX/XXXX I submitted the remaining balance and found out that my account was cancelled. I called AMEX and representative " XXXX XXXX '' from the XXXX, XXXX office told me that the prior customer service representative which I chatted on XX/XX/XXXX did not give me the correct information and there was nothing that he can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

My ex-husband and I filed for chapter  XXXX  bankruptcy in  XXXX   2013 .  XXXX   XXXX  credit cards were apart of the bankruptcy. However,  XXXX   XXXX  is still reported as a negative account and an open account on  XXXX  of the  XXXX  credit  reports.-  TransUnion and   XXXX   Additionall y ; m y report shows payments as being late even though the accounts were included in the bankruptcy. I filed dispute with all of the credit agencies regarding the fact I do not have an open  XXXX   XXXX  card and about the negative  XXXX   XXXX  card still showing up on my report with late payments being reported. The only success I had was the removal of the open  XXXX   XXXX  account with  XXXX  agency which was  XXXX . However,  XXXX  still reports  XXXX   XXXX  as a negative account citing they verified the account which means I can no longer dispute it. The other  XXXX  agencies, Transunion and  XXXX , still report an open  XXXX   XXXX  account. I have called  XXXX   XXXX  and they say I do not have any accounts with them! I am at my wits end!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an account reporting on my credit report with XXXX Credit Bureau as well as the XXXX this has been ongoing for months. 
I havent received any results.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX  XXXX XXXX Balance Owed : {$3500.00} XXXXXXXX XXXX XXXX XXXX Balance Owed : {$110.00} XXXX XXXXXXXX Balance Owed : {$22000.00}
Product: Credit reporting or other personal consumer reports

I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Product: Credit reporting or other personal consumer reports

Yesterday, I requested my annual credit reports from the XXXX major credit reporting agencies online. I successfully received my free annual credit reports from XXXX and XXXX. When I followed the same exact process to claim my report from Equifax my computer screen went XXXX and then a message displayed saying that my Equifax credit report had been received which was not true. I have had previous problems receiving my Equifax annual credit report and have had to file complaints in the past due to these ongoing Equifax problems with my specific free annual credit report. This year I have requested my free annual credit reports more than four times both by phone and online. I finally received two of three of my free annual credit reports yesterday after months of trying by phone at the appropriate free annual credit report phone number.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have rights to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not permit information 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 any other adverse items 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 so has reasonable cause to believe the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I checked my credit as i'm wanting to buy a new car later this year and i saw some fraudulent accounts, inquires and addresses on my consumer reports. There is an account with Named XXXX  with a balance of {$24000.00} on my consumer report that isnt mine. I've never has an account this this company or done business with them. There is a fraudulent account with XXXX XXXX Manage with a balance of {$5600.00} with orginal creditor XXXX. I HAVE NEVER HAD AN ACCOUNT WITH XXXX, i have XXXX XXXX. There is a fraudulent loan with the name of XXXX XXXX  for {$990.00}, I have never done business with this company. There are XXXX fraudulent student loans with US DEPARTMENT OF ED for {$3100.00} and {$3100.00}, but i have never attended a college before. The following fraudulent inquires on my consumer report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following addresses do not belong to me XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I kindly request that you update my credit report and remove the XXXX XXXX that is currently listed. Attached below are the necessary documents to support this request. Thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX located at XXXX XXXX XXXX also located at XXXX XXXX CA XXXX phone number XXXX ( XXXX ) XXXX, has executed a hard credit inquiry on my personal credit three times in eight months. I have researched and googled XXXX XXXX XXXX, and I am completely unfamiliar with the services they provide as well as the website, phone number, addresses, etc. I have not ever nor do I plan to ever utilize their services. Not even sure what they fully provide as a service. No company should pull your credit more than once in this time span and it has pulled my credit hard pull three times and eight months. Please remove all three inquiries from my personal credit, and block them from continuing to make hard inquiries damaging my credit. First inquiry is XX/XX/year>. Second in XXXX, XX/XX/year>. Third inquiry, XX/XX/year>. All fraudulent inquiries. 
I have called the number this number is disconnected. I have wrote this company. This company has not reached out or replied. It has something to do with XXXX. I am not of XXXX descent, nor am I from XXXX at all nor do I have friends or any relatives to do with this company. Please help. I am asking TransUnion to take this off of my account. This is a TransUnion hard Inquiry on my Personal credit. 
Please help make this stop.
Product: Credit reporting or other personal consumer reports

The Inquiry transactions - XXXX XXXX Inquiry : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, was not made by XXXX XXXX. These inquiries were placed on the consumer report of XXXX XXXX by EQUIFAX, XXXX, XXXX fraudulently and by way of identity theft. It was a violation of 15 U.S. Code 1681c2 in the very least. XXXX XXXX never gave EQUIFAX written consent as according to U.S.A. law, to furnish the inquiry information on the consumer report. No evidence of such written consent is in existence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identify fraud. This is impacting my ability to get a home loan. 

I have contacted each Credit Bureau and provided documentation ; FBI IC3 report, FTC report and 2 different police reports ( 1 from city I live in and 1 from city this occurred ) and I can't get all of the 41 different inquiries ( at least 14 accounts with several attempts ) off my credit bureau 's.
Product: Credit reporting or other personal consumer reports

I need to stress that this complaint isn't a mistake. My credit report has an inaccuracy that isn't assured to be the maximum possible accuracy. This error are really weighing on me and is continuing to affect me negatively in ways you can not is to imagine, these are trying times and it would be a great help to me, a blessing I must say, if these inaccuracies get corrected and/or removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent 3 letters asking to remove this account because of so many errors on my report like the high credit balance the date of last activity and last report date and the date of last payment these are not XXXX correct across all 3 credit bureaus and this needs to be deleted asap. They also responded with resolved and nothing was explained or resolved at all everything still looks the same like they just did an auto- reposnse. this is affecting my life and my credit reports. And I also ask for contracts with my signature on them showing this is my account and I never got anything.
Product: Mortgage

I called my mortgage XXXX  ( citizens ) on XX/XX/XXXX to find out how much to pay off my loan. I was told it was XXXX including a recording fee to release the lien. I asked if i could pay that right away and was told i had to either mail a cshiers check or authorize them to take it from escrow. I immediately authorized it from escrow. The woman said no probelm she would make that happen right away. About 3 weeks later I received a late notice. I called Citizens back on XX/XX/XXXX to find out why I received a collection notice. I was told that the person who i spoke to a month prior didnt do it right and he had to remove the late fees and then the next day he would set it up to be taken out of escrow. On XX/XX/XXXX I received another late notice and called to be told it still wasnt done and they didnt know when it would be processed. I explained i needed it done ASAP so I wouldnt have the additional property to be processed by my accountant in XXXX taxes and would cost me more money. Again, sorry but theres nothing we can do. On XX/XX/XXXX I filed a public complaint on XXXX regarding the terrible customer service of Citizens and someone reached out. Assured me that they would get my info to the manager of customer service and get it handled. I still have a balance as of today XXXX. I called into them and was told by the auto attendant that i am late with my payment and have been on hold for a person for 34 mins now.
Product: Credit reporting or other personal consumer reports

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 XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.