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

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX ) XXXX evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXXXXXX : number : XXXX
Product: Student loan

Navient is trying to collect payments for XXXX and XXXX, 2022, while my loan has been transfered to XXXX, where no payments are due until XXXX, 2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting fraudulent items on my report.
Product: Credit reporting or other personal consumer reports

I FOUND THOSE 3 FRAUD INQUIRIES AFTER VIEWED MY CREDIT REPORT. DELETE THOSE FRAUD INQUIRIES XXXX XXXX INQUIRY DATE : XX/XX/2023 XXXX XXXX XXXX INQUIRY DATE : XX/XX/2023 XXXX XXXX INQUIRY DATE : XX/XX/2023 ALL THOSE FRAUD INQUIRIES WAS NOT AUTHORIZED AND SHALL DELETE FROM MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Frost Bank has reported late payments on all three credit bureau 's when payments were made on time.
Product: Credit reporting or other personal consumer reports

I am a natural person, I am a living human being. I have rights under 15 USC 1681. 

Equifax is govern by 15 USC 1681, and they violated my rights numerous times. I demand the accounts listed below be remove because According to 15 USC 168 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts 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

To Whom It May Concern : I am writing to dispute certain personal information appearing on my credit report maintained by your bureau. 
Upon reviewing my credit report, I noticed discrepancies in the personal information section, which I believe is inaccurate. I am requesting your assistance in investigating and correcting this information. 
Below is the personal information that needs to be reviewed and potentially removed or corrected from my credit report. ( Possible financial XX/XX/year> ). I certify that the personal information provided above is accurate to the best of my knowledge. I understand the importance of ensuring the accuracy of my credit report, as it impacts my financial standing and ability to access credit. 
According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. I am requesting that you investigate the discrepancies mentioned above and promptly remove or correct any inaccurate information from my credit report. 
Enclosed with this letter are copies of documents that verify my correct personal information, including a government-issued identification card and any other supporting documents. 
By the provisions of the Fair Credit Report Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them.

Please remove any information that the creditor can not verify. I understand that under 15 U.S.C Sec 1681 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please send an updated copy of 5 my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past 6 months. 15 USC 1681s-2 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.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.Sincerely
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the 3 credit bureaus numerous times about the accounts that need to be deleted are showing on my consumer report and every time they refuse they are breaking laws and damaging my reputation without my consent. -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 1681 c. ( 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. the accounts I am talking about are listed below : Delete all accounts immediately : Addresses : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Accounts : XXXX XXXX  acct # XXXXXXXX XXXX XXXX XXXX  acct # XXXX XXXX XXXX XXXX acct # XXXX
Product: Credit reporting or other personal consumer reports

I am seeking your assistance regarding the false account listed on my credit report. This matter is impacting my reputation as a customer, and I need your support. I want these accounts removed as they are being reported unfairly and negatively.
Product: Debt collection

I was contacted by a rep claiming I owe debt to a  XXXX  loan company. Which I do not owe and have asked repeatedly for them to send me verification of original debt, they refused and told me to pay by credit or debit card. If I refuse they will have police arrest me.   A rep by the name of   XXXX   XXXX  ,   XXXX ,   XXXX    and   XXXX   XXXX    have repeatly called my job with threats and cursing me when I refuse to give them my card info. My employer is threaten to relieve me due to constant calling from this company. I asked for address, and representative number and they refused.  XXXX   XXXX  stated I was stupid because I would not allow him to get my financial information. The collection practices of this company are far from practices of a legit collection company. I ask that something be done to alleviate this harassment and have this scam company be held accountable. Last contact was on   XXXX   XXXX   and I was contacted on my job 8 times with threat after threat by different reps and giving me different company names and amounts owed.
Product: Mortgage

XXXX XXXX was my original mortgage company who financed my purchase loan but within a month or so I was sold to U S Bank XXXX XXXX. Under U S Bank my due date to pay my mortgage changed putting me in a strained position over the last 11 years and 2 months. 

My due date now is anytime between the XXXX of the month to the XXXX to make my loan payments. XXXX XXXX was due towards the end of the month which gave me time to receive my social security benefits so I can make my payments on time without late fees being applied. 

With U S Bank I asked them to change my due date to appear in the range of when I receive my benefits they have declined me several times. It is as if they want me to lose my home. 

Each month I have to hold 2 months payments out of my social security benefits to avoid paying late fees or being in default. It has been very frustrating to hold 2 mortgage payments out difficult I may add causing a monthly financial burden. 

Although, U S Bank XXXX XXXX  gives us until the XXXX of every month to make our payments, they have another stresser in addition to our payments. They print our monthly statements on the XXXX. I was told by U S Bank representative XXXX just on Tuesday that the reason my statement doesn't show my payment was made on the XXXX the grace period date due to their cut off date of the XXXX. The statement shows me being a month behind in my payment and on their website as well. But in my bank account they were paid on the XXXX. 

This made a problem for me when I applied to refinance my home with a different company when they asked for my most recent statement and it makes me appear to have not paid my previous monthly mortgage payment. 

U S Bank representative said oh on your XX/XX/XXXX statement will not show a mortgage payment past due. So I had to explain to the new mortgage company to check my bank statements to see I did pay my mortgage and contact U S Bank if they like. 
Now I have to wait 8 days to get my new statement when U S Bank to prove I am not delinquent on my payments. I feel they don't want customers to go any other company by publishing falsified information on the borrowers payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below. 
XXXX XXXX XXXX : {$0.00}
Product: Mortgage

im a XXXX veteran, my home has a {$8000.00} foundation repair issue i have been trying to get help from bank of america an the department of veterans affairs, the past " four '' years i have gotten no help from either agency ... ... ... ... .. 

i about to loose my home an they are refusing to give me relocation assistance, to help help me with my move,,,,,,,,, ,my foreclosure sale date is X/X/2018 i have no where to go, i have no help .... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, il XXXX XXXX ( XXXX ) XXXX cell
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2016,120 days late payment from sterling jewelry inc, dba Kay Jewelrys, i have bought a house and move, but i did a change of address to the post office, during that time, i have a XXXX balance at kay jewelrys.i usually get a statement every month, since i move to a new address never received a statement from kay jewelers, they finally called me on the phone and they told me im 120 days late payment, i told them i never received a statement, i told them if i received a statement, it would remind me that i owe, i told them i have a XXXX balance, i always paid them early every month, so i paid them off, its their fault of not sending me a new statement, now they cancelled my kay jewelry card and reported me on 3 credit bureau, they impacted my credit score being hard inquiry, i disputed them so many times, to remove the hard inquiry on 3 credit bureau, they turn me down every time, the people involved should be finance
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Will Not let me dispute XXXX XXXX Account with a date on report XX/XX/2019
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that the credit reporting agencies didn't make sure it was reporting 100 % correct. 

In accordance witht the Fair credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate
Product: Checking or savings account

Bank of America has allowed fraudulent accounts to be created on my behalf even after I froze my credit with beureau and XXXX system. 

This is the second time in last one week and I have notified Bank of America And still no action taken.
Product: Debt collection

This debt does not belong to me. I dont owe this company anything
Product: Vehicle loan or lease

While trying to pay off an auto loan over the phone on XX/XX/23, Commerce Bank erroneously charged a payment for {$10000.00} to a checking account of mine rather than the account the payment was supposed to be charged to. This resulted in my checking account being overdrawn and being charged a {$32.00} returned payment fee, followed by a {$32.00} stop-pay fee initiated through the bank I have my checking account with after I saw the {$10000.00} payment was trying to go through again. 

I have already called Commerce Bank numerous times, after which I was told they would look into it and report back to me. I have also emailed them a full description of this incident, and never received a single response back. It has now been over XXXX weeks, and I have heard absolutely nothing from them.
Product: Checking or savings account

Prior to the last complaint I put in with consumer finance protection bureau I stated and alerted my financial institutions fraud department of the identity theft & fraud that has taken place with my name & social security number that I did not authorize. Before putting a complaint in I tried to resolve this issue with my financial institution which they directed me to go into your nearest branch. unfortunately I did not get the help needed to move further in investigating what is going on with this fraudulent unauthorized account that my financial institution Bank of America joint to my actual checking & savings account that I opened. However the branch I chose to go to denied me access to the information on the savings account that I told them was an unauthorized account. I made police report I also made a report with the attorney general at this point because my financial institution has frozen my legit funds & my legit checking & savings account. Furthermore I called a resolution department on XX/XX/2023. I was told my accounts was being closed my funds are frozen & they could not disclose to me why. This department was of no help. However there was a XXXX XXXX who reached out to me through email in response to the consumer finance report I made stating she was the point of contact & would help on the behalf of Bank of America as a resolution specialist. I emailed her back 3 times I also left a voicemail because I could not get a answer when I called. I have been complying with every law as the consumer & im not being helped & also at this point my financial institution Bank of America is rejecting me not helping & they froze my funds & closing my account with no explanations. Because of this they are causing me a financial burden.
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 four business days of receiving this complaint. This fraudulent information includes a personal loan account opened with Regional Finance on XX/XX/XXXX ; a personal loan account opened with National Credit Adjust on XX/XX/XXXX ; a utility account opened with XXXX XXXX XXXX on XX/XX/XXXX ; and multiple unauthorized hard inquiries, including 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have attached a copy of the consumer FICO credit report maintained by you, which shows these fraudulent items. I do not recognize the aforementioned accounts or inquiries as reported. These items appearing on my consumer credit report were not opened, made, or initiated by me and are all the result of identity theft and fraud. I have also attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.S. Federal Trade Commission that these items are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

This is XXXX of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX. Please delete this account ASAP.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found unverifiable, invalid, and inaccurate items that have not been reported correctly. This oversight has caused me significant XXXX. 

Under the Fair Credit Reporting Act ( 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) ), all information on my credit report must be 100 % accurate. The accounts in question do not meet this standard. 

I request an immediate investigation and correction of these inaccuracies. Attached are copies of all letters sent previously.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian multiple times and disputed the account with XXXX XXXX XXXX. Each time I have disputed this account the dispute comes back within a day or 3 days. I have recently contacted XXXX XXXX XXXX and I received a letter back stating that they have no knowledge of the account. I forwarded the letter to Experian in and dispute and still the account remains on my report after showing that they have no record of the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Us Department of EDU is reporting my 19 year old student loan as 5 years old. They keep closing it out and re reporting it as a new loan so it drops my credit score. The account says it was opened in XXXX. The orginal loan was taken out in XXXX and added to in XXXX. ITS OLDER THAN 5 YEARS OLD!!! ITS 19 years old. Its false info and the fact that they keep transferring offices and reporting it as new is wrong. You XXXX and Transunion keep letting them get away with this. My score went from XXXX to XXXX in a matter of days.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date opened : XX/XX/XXXX Date Paid and Closed : XX/XX/XXXX Original Debt amount : {$2000.00} Current Balance : {$3800.00} Paid by Total XXXX Discharge Loan Type : STUDENT LOAN I have reached out the the company several times about having the account removed and marked as paid and closed. I have reached out to transition about having the account marked as paid and closed! 
I keep getting nothing done about it. This is affecting my credit score as I am trying to buy a house! 
Please help me get this situation fixed!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Trans Union at least 10 times since XXXX  to remove incorrect, unvalidated, unverified and/or out of date information. 
-They have not removed this information, despite not sending me as I have requested a consumer contract with my signature, instead they continue to report these accounts. 
-These accounts also do not appear on other reports, yet Trans Union continues to report these accounts.

-Additionally, in the latest report I have, they have failed to put any remarks, symbols or notations next to the account that states I disagree and dispute the entry. It appears on the report as though I have no issue with the account. On previous reports, a notation stating I disputed this account was clearly visible on the account, but in a most recent one, this note was deleted. There are currently no remarks showing these accounts are even disputed. 
-The statement I submitted, also appears at the bottom of the report, not very visible. -Additionally, they continue to report and not remove old account information with unnecessary identifiable information about my demographics information i.e. race and/or gender. They continue to publish this information and are aiding potential credit discrimination. They have not removed these accounts despite my request and that these are old. 
-They have not removed incorrect, old, unverified or unproven, unvalidated accounts and have not show accounts to be disputed.

-Despite repeated request for contracts to actually validate these accounts and verify them, Trans Union refuses to remove these accounts and continues to report this information without reinvestigation and continues to report unvalidated accounts not removing them. Under Fair Credit including sections 609 and 611, they are supposed to delete these accounts, yet they keep reporting them, refuse to investigate them despite my disputes.
Product: Credit card

I have been trying to work with Discover to lower my interest or payments or settle for my account and close it due to financial hardship. I am unable to pay my credit card bills. Discovery has called me twice a day since Monday XX/XX/2024. They called me on XX/XX/2024 at XXXX and XXXX. On Tuesday they called me at XXXX and XXXX. On Wednesday they called me at XXXX and XXXX. On Thursday they called me at XXXX and XXXX. I have attempted to answer these calls but when we connect the phone immediately hangs up. I feel as though I am being harassed and no one will talk to me directly from the Discover. I answered the Monday and Tuesday morning calls, but it immediately hung up on me.
Product: Debt collection

I have found that Allied Business Services have privilege and knowledge of my medical information to which places you in direct violation of the HIPPA act and regulations of 1996. 

In review, I have never signed a HIPPA form authorizing you ( allied business services ) to have access to any of my medical records, files or information. Therefore, I am advising you that I intend to pursue filing a legal complaint with the U.S. Department of Health and Human Services. 

I am also requesting that you remove any and all negative reporting of this matter to credit bureaus immediately or I will be forced to pursue legal means by and through my attorney XXXX XXXX. I also am requesting in writing from Allied Business Services to provide me proof in document form that they cease any collection matters regarding this matter and erroneous reporting to the credit bureaus.