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

Please remove fraudulent and hard inquiries off my credit file from XXXX, XXXX XXXX and Equifax immediately. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, Ive been having complications on getting the help thats needed these accounts arent mine and I have no connections with them. I reached out to the company and the credit bureaus but the credit bureaus never responded Im not sure if they got the letter I mailed but now Im trying this way. 

Please help correct this fraudulent information and accounts.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Regions Bank,  XXXX ,  XXXX   XXXX    XXXX   about fraudulent information contained in my consumer file with  XXXX . Several accounts were opened in my name using my correct personal information when I was the victim of identity theft. I have provided a copy of my police report, drivers license, and social security card to these business and made them fully aware that these accounts were not mine and they have refused to act in accordance with the laws that govern the reporting of such information.      XXXX   XXXX    XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , SC  XXXX  Name :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Reported SSN :  XXXX  Account Number :  XXXX  Routing Number :  XXXX  Date Reported  XXXX / XXXX /  XXXX   Reported for NSF Closure Status : Unpaid Closure Status Date :  XXXX    XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  AL  XXXX  Reported Name  XXXX   XXXX   XXXX   XXXX  Address  XXXX   XXXX   XXXX    XXXX     XXXX   XXXX   XXXX  GA  XXXX  Reported SSN :  XXXX  Drivers License : ( Blank ) RTN :  XXXX  Account :  XXXX  Reported for NSF  XXXX  Amount : {$130.00} Paid in full settled I have properly notified all  XXXX  of these companies that these are not and were not my accounts and respectfully requested they remove this fraudulent information and they have refused to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. My date of birth is XX/XX/1986 and my social is XXXX. I am a victim of identity theft and have already submitted a copy of my police report and identity theft report to both XXXX, XXXX, and Experian. They have not only ignored my request, but they have not removed these fraudulent items. They also allowed a fraudulent item they had removed years ago to reappear on my credit report. 

XXXX  is reporting a fraudulent account with XXXX XXXX Experian is reporting a fraudulent account with Chase Auto, XXXX XXXX, and XXXX XXXX XXXX is reporting XXXX XXXX reporting for XXXX  XXXX
Product: Credit reporting or other personal consumer reports

My credit has been improperly used. I never gave explicit permission for my credit to furnish to any of these companies listed. I always apply for credit in person and never did I give my permission to have my credit furnished to these companies.
Product: Debt collection

Debt Collector Violated HIPAA Collection agency, did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights.
Product: Checking or savings account

Yesterday I had about {$2.00}. Today because of the way Bank of America process their transactions I'm negative {$110.00}. All the transactions that put in the negative are things I already did, not anything new that just came out. I have enclosed a screenshot of the latest transactions
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure
Product: Credit reporting or other personal consumer reports

I have disputed inaccurate information and XXXX identity theft report with the FTC
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after XX/XX/XXXX, ve already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

This letter is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$23.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21, XX/XX/21 and XX/XX/21 and XX/XX/21, I requested that Equifax provide my with the name and information of the reporting agency who provided them with a verification for a bankruptcy that they have listed on my equifax credit report. All 4 times Equifax responded that XXXX XXXX provided them with such information. I then ask XXXX whether they provided Equifax with a method of verification and XXXX does not have any record of a bankruptcy on my report. I then requested that Equifax removed the inaccurate bankruptcy on my report and Equifax refuses to do so. Per the Fair Credit Reporting Act Equifax has to remove any inaccurate information and must be able to provide me with the information of me having a bankruptcy on my report. I would like an investigation to XXXX and Equifax and request that XXXX dispute that they verified a bankruptcy to Equifax.
Product: Debt collection

PLEASE STOP, THIS IS NOT MINE THIS IS A CASE OF MISTAKEN IDENTITY. I HAVE I FILED A COMPLAINT WITH THE CFPB AND THE FTC. STOP TRYING TO IMPUGN MY CHARTER.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit ( XXXX ) is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX  XX/XX/2023.
Product: Credit reporting or other personal consumer reports

Despite multiple attempts to resolve the presence of fraudulent inquiries on my consumer report, these unauthorized entries continue to cause severe mental and financial distress. As a documented victim of identity theft who has reported these violations to the Federal Trade Commission, I have no connection to these entries, yet their presence has critically impacted my ability to achieve essential life goals like purchasing a home and providing for my family 's needs. The documentation submitted to the FTC clearly outlines the nature and scope of this fraudulent activity.
Product: Credit reporting or other personal consumer reports

There is old information on my credit report that needs to be removed off my credit.
Product: Checking or savings account

I have a checking account with net spend and made a purchase from a company called XX/XX/XXXX. After they took my money the product they were supposed to buy never worked it was faulty. After I call net spend to let them know about stopping payment I was told I would have to wait. I have contacted net spend several times with no response and I lost XXXX dollers. I want my money back as this was a scam and Net spend Refuses to refund my money
Product: Checking or savings account

hello, This XXXX XXXX. My bank account is closed. 
Chase bank send me the check I didnt get it. I have check the mailbox and USPS POSTAL they say the check will be send back the chase bank. I want to know the check. Can you help me send again
Product: Credit reporting, credit repair services, or other personal consumer reports

my is XXXX XXXX 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 Account number XXXX Account name XXXX XXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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 a 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
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 
Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : Cushman v. TransUnion Corp. ( 1997 ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers.

Ramirez v. TransUnion LLC ( 2021 ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA.

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft.

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

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

I hope this letter finds you well. I am writing to address a concerning discrepancy in my credit report regarding late payments on my accounts. Upon reviewing my report, I noticed that late payments were inaccurately listed, which has had a negative impact on my credit score. I contacted the companies associated with these accounts, and they acknowledged that there was an error on their end. They assured me that they would update and correct my accounts to reflect the accurate payment history. They explained that there was a system glitch that caused the late payments to be incorrectly reported. 
I find it perplexing that your bureau continues to report these late payments when other credit bureaus have already corrected the status of the accounts. This raises questions about the verification process used by your bureau to ensure the accuracy of the information reported. Please update and correct the accounts below : XXXX XXXX XXXX  XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Mortgage

I had to declare bankruptcy 5 years ago. I already had a mortgage with a local bank, but XXXX bought my mortgage, then apparently gave it to their sister company, XXXX ... Every month, XXXX would PLACE insurance on my home. I NEVER had an uninsured home. Now I 'm checking my credit report, and it seems as if my mortgage was under my br, therefore they were being paid double. PLUS ... XXXX it says my balance is XXXX ... and I have still been paying each month ... I have called the XXXX about XXXX last year and now there is a class action lawsuits gains them .... I just want back what is mine, the placed insurance money and the money I have been paying when my loan was actually already paid. Thank you for your help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 

XXXX XXXX Date opened : XX/XX/XXXX Balance : {$1400.00} ; XXXX  XXXX Date opened : XXXX XXXX, XXXX Balance : {$330.00} ; XXXX  XXXX Date opened : XX/XX/XXXX Balance : {$1400.00} ; XXXX XXXX XXXXXXXX Date opened : XXXX XXXX, XXXX Balance : {$0.00}.
Product: Credit card or prepaid card

received a letter from synchrony bank regarding a XXXX visa card account, dated XX/XX/XXXX notifying me about a recent address change on the account that was opened by me. I called customer service department about account. they wanted info about me and I was not comfortable giving personal information to them.as I did not open a account online as they stated. And I want it closed as of XX/XX/XXXX.
Product: Mortgage

I am a XXXX and have been a top producing agent for more than XXXX years. My buyer used Loan Depot to obtain financing. From the get go, XXXX XXXX ( lender at Loan Depot ) never returned emails. I would get a couple here and there, but I would have to send multiple emails to get a response. After 3 weeks of her having the contract and clsoing date, she sent an email out that we needed an extension on the closing because she just locked the buyers loan in. That is after 3 weeks of being under contract. I was getting no where with XXXX because all of her answers didnt help, so I had to get in touch with a Manager. I spoke to XXXX XXXX. That was about 3 weeks ago and he said he reviewed the buyers file and it was a " squeaky clean, '' and he let me know he is a solid buyer with no issues. I relayed this to the seller, even with the sellers mother ( who is a broker in the area ) told me she does n't feel good about this company, and that is why they allowed the extension. I convinced the seller that everything would be ok and XXXX XXXX said the deal was going to be easy and there were not going to be any issues. All of a sudden I received an email from XXXX that stated the loan was denied. He would not give me any specifics, so I had a local company run the buyers credit, well the buyer did not get financing because of his credit. Its sad that Loan Depot took 40 days to figure out his credit was going to be an issue. I do n't get it!! I looked at the pre-approval letter andit said this was already taken care of. This is something that should have been known from the get go. I feel bad for both the seller and buyer. The buyer wasted $ XXXX on the inspections and appraisal and the seller was purchasing a new home and wasted {$1000.00} on her inspections and appraisal. I am just tired of companies like this lying to buyers and sellers and it needs to end. I am a real estate broker and if I conducted business like this, I would expect to lose my license or would have to take more schooling because I dont know how to work in this business.
Product: Credit reporting or other personal consumer reports

XXXX XXXX. XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX Date XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Account : XXXX  XXXX XXXX Account number XXXX. 
Recent balance {$33000.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Subject : Formal Dispute of Inaccurate Information on My Credit Report Under 15 U.S.C. 1681i To Whom It May Concern : I am writing to formally dispute the accuracy of certain information on my credit report, as provided under 15 U.S.C. 1681i ( a ) ( 1 ). I have reviewed my credit report and found the following information to be inaccurate, incomplete, or unverifiable : [ Provide specific details about the disputed account or item, such as the account number, creditor name, and reason for dispute ( e.g., incorrect balance, account not mine, etc. ) ] Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are required to conduct a reasonable reinvestigation of the disputed item within 30 days of receiving this notice. I request that you provide me with the results of your reinvestigation as required under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), including : 1 The basis for your determination.

2 A copy of the updated credit report reflecting any changes.

If the disputed information is found to be inaccurate or can not be verified, I request that it be promptly deleted or corrected under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). Additionally, please notify any third parties that received my credit report within the last six months ( or XXXX years in the case of employment purposes ) of the correction or deletion, as required by law. 
To assist in your investigation, I have enclosed the following documents : [ XXXX supporting documents, such as account statements, letters from creditors, police reports, etc. ] Please acknowledge receipt of this dispute within XXXX business days as required under the law, and confirm that the reinvestigation will begin promptly. 
Thank you for your attention to this matter. I look forward to your response and resolution of this dispute. 
Sincerely, XXXX XXXX
Product: Consumer Loan

I was " invited '' to apply for a personal loan at Discover Personal Loans. I have been a discover credit card member for about XXXX years and always pay off my balance each month. I also have a rather excellent credit rating. So I applied online and was told to call their office to complete the process over the phone. They said they were busy that day and a " senior loan rep '' would call me back. They did not so I called them back. I spoke to someone who reviewed my application and then called me back on a secure phone line to ask me some personal questions about my existing credit accounts. I told them and she said that a " senior loan rep '' would call me back in XXXX days to ask me some more questions. Well about XXXX days went by, including the weekend, and I received a letter with a very vague reason for them being unable to approve my request. the reason is " UNABLE TO VERIFY CREDIT REFERENCES ''. So I called to find out exactly what this meant and why I never received a phone call from the " senior loan rep ''. After going up the chain of command, I was told that verification was what they did when they called me on the secure phone line. However she was not satisfied with my responses regarding when I opened a store credit card that I have not had open in approximately XXXX years. I guess because I could n't remember the exact year I opened it. So apparently instead of calling me back like I was told I would be or even to further verify my information, they just stopped the application process and are denying me a loan. I understand if the denied me because my income or credit rating was not sufficient but that is not the case, in fact I more then qualified. I was just because they stopped the application process before even being considered. Also the supervisor I spoke to said I should not have been told that a " senior loan rep '' would be calling me. Apparently that is not what I should have been told. So I feel like not only was I giving the wrong information by the initial phone rep, but also that she stopped my loan process for no valid reason. So I can not reapply to Discover Personal Loans for another XXXX days, because " they 're system wont allow '' as I was told. The other problem is since I attempted to apply with them, my credit rating suffered a drop. So now when I go to my bank or another lender to apply for a loan this week, I will be applying with a lower FICO score then normal, which will make the process and interest cost much different then if I never had dealt with Discover Personal Loans.