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

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, NC XXXX To : XXXX/TransUnion/XXXX & Attorney General/Consumer Finance/XXXX. 

RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B Again, I am in receipt of a credit file that indicates more fraudulent activity, in the form of Collection Agencies demanding that I pay them monies for accounts that I have never engaged in setting up! Also, there are credit account inquiries on my reports that shows applications for credit that I have not engaged in and should be immediately removed without prejudice! 

I am a victim of identity theft. The information listed below, which appears on my credit report, is the result of identity theft in XXXX The affected accounts are listed below. 

XXXX XXXX XXXX IN ACCT : XXXX XXXX : {$650.00} Also, the following unauthorized Credit Inquiries will be removed immediately without prejudice : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX   XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FOR XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with XXXX, XXXX, and TU via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from Transunion, XXXX and XXXX, However, XXXX ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. TransUnion and XXXX all seem to gloss over my request with pleasure. 
This is again a demand to remove such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX Enclosures : XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18 XXXX XXXX assumed our loan from XXXX XXXX XXXX. with the original loan terms still in place : Conventional 5/1 ARM, no escrow account and tied to the LIBOR. Our loan was transferred in good standing and was a simple transfer. 

Our loan has never been late and since transfer to XXXX XXXX, and due to their poor reputation as a debt collector, I have paid my mortgage early every month and in excess of the balance due. 

XXXX has reported false and damaging loan terms which I was unable to fix through normal CRA disputes. In violation of the FCRA, XXXX has reported our loan to all 3 Credit Bureaus with false remarks : LOAN MODIFIED NonGovt, Loan Modified and including purchase money first. When I disputed this false reporting, it was verified by XXXX as accurate. 

My mortgage was sold by XXXX XXXX XXXX. and this loan was not a requested transfer. Furthermore, I contend that because we have nearly perfect credit scores of 820+ FICO XXXX, XXXX XXXX reported false terms to lower our credit and attempt to retain us as a long term client by lowering our score. 

The reporting of Loan Modified on a credit obligation is considered a derogatory indicator by FICO Score XXXX ( and within the auto and bankcard versions of FICO Score XXXX ) and would trigger the negative score factor You have a serious delinquency ( 60 days past due or greater ) or derogatory indicator on your credit report. to surface. This particular narrative ( Loan Modified ) first became available in the XXXX data when FICO Score XXXX was developed. 

Due to this false comment, XXXX has negatively impacted our XXXX FICO Score XXXX causing a drop of 100 points for XXXX XXXX and 69 points for XXXX XXXX. Our previous FICO XXXX scores were XXXX and XXXX on XX/XX/18. Now they are XXXX and XXXX respectively. 

XXXX FAQ specifically states : Will the terms and conditions of my mortgage change because of the transfer? This transfer does not affect any terms or conditions of your loan documents other than terms directly relating to the servicing of your loan
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed several inquires on my credit report that was never authorized nor approved. XXXX XXXX Bank are on all XXXX of my credit reports. I do not have any accounts nor ever applied for a credit card. XXXX XXXX Bank is on my TransUnion report. I have never even applied for any bank or credit card accounts. The only legitimate inquiry is from XXXX XXXX, which is only on my XXXX credit report. 

This is the result of identity theft that I had reported to the police. The police report number is # XXXX. Complaints and fraud reports are being processed with identitytheft.gov and with the Social Security XXXX. A complaint is also being processed with XXXX XXXX Bank and XXXX XXXX Bank.
Product: Credit card or prepaid card

American Express decreased my credit limit from {$6000.00} to {$1000.00} without any notification. I called and they said they couldn't find any information regarding this matter. I have not made a late payment and American Express has not been helpful with this. I haven't used the card for some time but I would have if I was warned that my limit would be decreased. I also resolved an account that was reporting negatively on my credit report.
Product: Mortgage

On XX/XX/2022, we received a closing disosure, showing we would be required to prepay 2 months of property tax for a total of {$1600.00}. On XX/XX/2022, 6 days before closing, we are now expected to prepay 12 months of property taxes for {$7900.00}, the full tax bill. We are entitled to homestead exemption for 20 % reduction of taxes in Texas. They are not taking it into consideration either. 

On the XX/XX/XXXX closing disclosure, they are charging us XXXX for an appraisal in section B, and then another XXXX for an appraisal fee in section K. No explanation was given. 

This was a part of the cash up front program, where we agreed to have our mortgage company buy the home with cash, and rent it to us until we sold our house and bought it from the mortgage company. They are charging us for 30 days rent, when we will have only rented it for 24 days. 


My rental agreement shows a total of XXXX a month, on the closing disclosure they're charging us XXXX for the full month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I consumer did not consent too nor authorize these inquiries that are reporting to my Equifax consumer report. I did not give my permissible consent to none of these corporations to obtain my consumer report from Equifax. I did not give them my written consent to obtain my consumer report per section 15 USC 1681n ( b ). Equifax sold my information to these corporations and got paid for the credit sale. Federal law states that any corporation whom obtains a consumer report from a consumer reporting agency knowingly without permissible purposes shall be liable to the consumer reporting agency for actual damages in {$1000.00} per section 15 USC 1681n ( c ). I sent Equifax an identity theft report via USPS certified mail. Is Equifax above the law? How are they able to share my consumer report without them contacting me for my consent to share my report with these corporations. Equifax humiliated me to the public and damaged my reputation. Equifax decreased my score because of those inquiries that have no connection to me. If Equifax can provide me a copy of credit application authorizing the disclosure of my files with my actual signature, I will accept the inquiries. If such application is removed I demand these inquiries be blocked and removed from my consumer report. I have gone to therapy for my anxiety because of the fraudulent activity that Equifax let concur on my consumer report.Equifax stole my identity and sold my private information without prior consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I would like the company PNC to take my claim regarding account number XXXX seriously. I would like your agency to know that I started disputing this account in XXXX last year. I sent a certified letter directly to PNC regarding my concern with this account. I made sure that I was very detailed with my request for the original paperwork on file. The main reason why I requested this account information is because of an instance where someone used my information previously and I am going through my affairs to verify I understand the details of the XXXX account with PNC. For the past few months, I requested the original paperwork 2 additional times and I am not getting any response from PNC. There is no excuse clearly PNC is not cooperating regarding my concern. I no longer have a choice but to file this complaint in the hope of getting all the paperwork sent to me. I would like to thank you in advance for helping me in this matter. Again, I am requesting the original signed agreement for this account. I am requesting the copy of signature, terms, and conditions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I recently received an alert on XX/XX/2023 about a derogatory reporting from a creditor named Credit Collection Service in the amount of {$480.00} on all 3 of my credit files XXXX, XXXX, XXXX. This account does not belong to me and as reported I am a victim of identity theft. This account should have never been reported on my credit file as a derogatory remark. I made a permissible request to remove this fraudulent report. I called and reported to each of the bureaus. I am being effected by this identity theft and I need this creditor investigated & a complaint ordered for the false reporting that has called me agony and stress.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate reporting of the following charge-off entries on my credit report : XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account Number : XXXX These entries are inaccurate and violate my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I demand an immediate investigation and correction of these inaccuracies to ensure compliance with federal law. 

Violations of Federal Law 1. Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) : Credit reporting agencies are required to conduct a reasonable reinvestigation of any disputed information within 30 days. Failure to do so is a violation of federal law. 

15 U.S. Code 1681e ( b ) : Mandates that credit reporting agencies maintain reasonable procedures to ensure maximum possible accuracy of the information they report. The reporting of these inaccurate charge-offs violates this provision.

2. Fair Debt Collection Practices Act ( FDCPA ) : 15 U.S. Code 1692g : Debt collectors must validate any debt upon request. If a charge-off can not be validated, it is unlawful for the creditor or debt collector to continue reporting the account.

3. Truth in Lending Act ( TILA ) : 15 U.S. Code 1635 : Creditors must provide accurate and fair disclosures related to the terms and validity of debts. Reporting charge-offs without proper documentation may constitute a violation of this statute. 




Damages and Remedies If these inaccuracies are not corrected promptly, I reserve the right to pursue legal remedies under the FCRA and FDCPA, including : Statutory damages of up to {$1000.00} per violation. 

Actual damages caused by these inaccuracies, such as increased interest rates, credit denials, or emotional distress. 

Punitive damages for willful noncompliance with federal statutes. 

Recovery of legal fees and associated costs. 


Action Requested I demand the following actions : 1. Conduct a thorough investigation of these accounts to verify their accuracy.

2. Remove the inaccurate charge-off entries from my credit report immediately.

3. Provide a written statement confirming the removal or correction of these entries within 30 days, as required under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ).

Next Steps Failure to comply with these demands will leave me no choice but to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other relevant regulatory bodies. Additionally, I will consult legal counsel to pursue remedies under federal law for the harm caused by these inaccuracies. 

Thank you for your immediate attention to this matter. 

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

I am writing to formally dispute several hard inquiries listed on my credit report, which were conducted without my authorization. As a consumer, I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that hard inquiries require my explicit consent. I did not authorize the inquiries listed below, and their presence negatively impacts my credit profile.
Product: Credit card

I wanted to take some time to provide a formal explanation of the events that occurred on the evening of XXXX XXXX XXXX and leading into the early hours of XXXX XXXX XXXX  so that the investigator can make an informed decision as to whether or not to uphold my dispute. 

To lead with the primary point : I did not authorize this transaction for {$210.00}. 

On XX/XX/XXXX, I visited The XXXX XXXX and initially gave them my Citi XXXX XXXX XXXX to hold my tab. When closing out the tab, my husband instructed the merchant to charge his XXXX XXXX XXXX card instead. I have confirmed with XXXX XXXX that his card was indeed charged on XX/XX/XXXX for XXXX separate transactions related to this visit : {$47.00} and {$34.00}. I have also provided statements to Citi proving that these charges occurred. 

I have no receipts for any goods or services totaling {$210.00} from The XXXX XXXX. I contacted the merchant to inquire about this charge, and they were unable to locate a credit card slip for this amount. I am very careful about keeping my receipts, and I have XXXX other receipts from The XXXX XXXX from that evening ( XXXX XXXX and XXXX XXXX ). It seems highly unlikely that I would have made a purchase for {$210.00} and not retained the receipt. I assure you that if Citi reaches out to the merchant, there will be no credit card slipped signed by me authorizing this amount. 

Despite countless efforts, Citi refused to credit my account.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX : XXXX
Product: Mortgage

With the support of my NJ Making Homes Affordable/XXXX Solutions housing counselor I gathered required documents and faxed them ahead of a 7 day minimum requirement deadline for loan modification review. 
Upon calling to confirm that said documents were received, I was told that my application was received by the Wells Fargo Re-entry department instead of the Home Preservation department my housing counselor put me in contact with. 
On Friday, XX/XX/XXXX, inside the 7 day window I received a call informing me that one document needed resigning and that XXXX additional documents heretofore not requested was needed by Wells Fargo. 
I gathered these documents and within 48 hours had faxed them to Wells Fargo. 
Today, XX/XX/XXXX I called Wells Fargo to be certain that all documents needed were received. 
Again, I was transferred to the Re-Entry department and was told that my documents would not be reviewed due to the seven day deadline being past. 
I was told that I would need to seek an adjournment of my sheriff sale. 
I was of the understanding that Wells Fargo would adjourn the sheriff sale as it was reviewing my application. 
It is my assertion that Wells Fargo is not servicing my FHA mortgage loan modification in a legal manner and may be committing fraud by what it 's telling me how to properly servicing my application.
Product: Credit reporting or other personal consumer reports

Request for Removal of Inaccurate Late Payments from Credit Report To Whom It May Concern, I am writing to dispute and request the immediate removal of inaccurate late payments listed on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1666 ( b ), and the Fair Debt Collections Practices Act ( FDCPA ), I am entitled to have accurate information reported on my credit file. The late payments in question are inaccurately reported on my credit file and do not reflect my payment history accurately. I assert that I have never been late on any payments, as I have always been enrolled in autopay for all my accounts. The fact that a bill may have been sent to my address does not constitute proof of a late payment. The reporting of these inaccurate late payments violates my rights under the FCRA, as they do not reflect my true creditworthiness. Additionally, the reporting of false late payments may constitute a violation of the FDCPA, as it misrepresents the status\ of my accounts : late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX reported by XXXX Number XXXX Furthermore, the Truth in Lending Act ( TILA ) requires accurate reporting of credit information to ensure consumers are treated fairly and have access to credit based on accurate data. I demand that all late payments currently reported on my credit file be updated to reflect 100 % on-time payments, as per my true payment history. Failure to do so constitutes a violation of my rights under the FCRA and other consumer protection laws. I request that you investigate this matter promptly and provide me with written documentation of the removal of these inaccurate late payments from my credit report within 30 days.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX. XXXX I sent my FTC report and PA license to XXXX, XXXX, and Transunion. I did not authorize these fraudulent accounts. I will be filing a civil suit for the reporting of fraudulent accounts on my consumer report.
Product: Student loan

I requested the refund amount of the student loan of {$31000.00} on XX/XX/XXXX that I paid on XX/XX/XXXX. Edfinancial processing time is so long, and I called them several times and they didn't give helpful information about the timeframe. Now that the refund amount has been reflected on my account, I am obligated to make monthly payments when I still haven't received my refund checks yet. Please help. I need the refund checks in order to make monthly payments for this student loan. 

Thank you so much for your help!
Product: Credit reporting or other personal consumer reports

PLUSFOUR , INC stated they purchased my file. 

I asked for proof and they only sent me a bill which isn't proof. 

I can not entertain fraudulent companies. When I request for proof a file is mine, it shouldn't be any issues getting that. I shouldn't get pushback or any delays. 

Also, the original account was reported as {$500.00} and every month PLUSFOUR , INC is paying to change the balance on my credit file to something higher. 

At this time they are reporting the balance as {$560.00} when they claimed to have purchased a file with a balance of {$500.00}. 

I am requesting for this collections agency to delete this account from my credit file since it has not been proven to be mine and since it is now banned to report any medical debit on credit reports. 

So please delete this account from my XXXX, XXXX and XXXX file since it has dropped my credit score almost 100 points.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or incomplete items unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTE : Complaint Number XXXX my contact number should be XXXX NEW ISSUE : NOTE : There is no way to try to resolve with Experian as there is no way to contact them via email, phone, etc. 

On XX/XX/2019 I contacted Attorney General Consumer Protection regarding Experian not allowing credit report to be done once I thawed my credit. They suggested unthawing all CRA. Also, I extended my temporary freeze from XX/XX/2019 to XX/XX/2019. 

On XX/XX/2019 I went to my credit union and they were still unable to run a credit report. I called the number for Experian, my credit union verified that my credit was thawed ; however, no credit report could be obtained. My credit union suggested I place a permanent thaw on my report. 

I then proceeded to do this. However, now the automated system says I must mail to them : Full Name, Address, last 2 years of addresses, Copy of DL, PIN for Experian, 2 utility bills or bank statements, THE LIST GOES ON so Fast, I can't write it all down ; BUT once it is mailed and received it will take 3 DAYS to process. 

I can't even temporarily unthaw my credit report now! This has taken over an hour to try to get my credit report to be released for the credit union. 

The credit union says they have never experienced this before.
Product: Debt collection

Under the FCRA, I request an investigation on the responsibility and the amount of this collection. Please discard this collection for FCRA violations because I do not think it is 100 % accurate