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

On XX/XX/XXXX I was made aware that my social security number was associated with a mortgage loan through XXXX XXXX XXXX that I did not open. I was rejected for a credit line increase with XXXX due to a low credit score and upon investigation with Experian, I saw that my credit score was negatively impacted by missed payments for a mortgage loan taken out under a name and address that I do not know but with my social security number. 

Details of the loan : Date Opened : XX/XX/XXXX Type : Mortgage Amount : {$29000.00} Responsibility : XXXX XXXX XXXX, Co-signer : XXXX XXXX Terms 30 years Recent balance : {$16000.00} as of XX/XX/XXXX Address associated with loan : XXXX XXXX XXXX XXXX, SC XXXX Upon further investigation into this matter, the 2 individuals named on this mortgage are deceased. I have found their obituaries online that match the address and names on this mortgage. 

I have filed an identity theft report with the FTC on XX/XX/XXXX : FTC reference number - XXXX I have filed a dispute with Experian : Case number XXXX ( attached is the response ) I have contacted XXXX XXXX XXXX several times with no responses or corrective actions. 

Here is a timeline of the correspondence. 
XX/XX/XXXX - Called XXXX  customer Service and was repeatedly hung up on. 
XX/XX/XXXX - Email sent requesting that the account be closed ( email attached ) XXXX Dispute results from Experian received via mail. 
XX/XX/XXXX - Called XXXX  with the findings of the Experian report. Customer Service agent took all my information and sent an email to the superior in charge who had the authorization to correct the social security number. Someone would follow up with me with the next steps. 
XX/XX/XXXX - Called XXXX to follow up on XX/XX/XXXX discussion. No confirmation or follow-up. received. Agent forwarded my call to " XXXX XXXX '' to whom the email was sent to. Left voicemail. No feedback. Agent could not provide any details regarding the account number because my name was not on the account. 
XX/XX/XXXX - Called CFPB and was instructed to file a complaint on line. 
XX/XX/XXXX - A police report with my local precinct has been filed ( attached )
Product: Prepaid card

I disputed 4 fraudulent transactions and they only show 1 in their document which clearly states lack of proper evidence. Cash app denied dispute for fraudulent atm withdrawals totalling {$420.00}. I filed dispute on XX/XX/XXXX same day I was notified of fraudulent transactions on mobile application. I reopened dispute XX/XX/XXXX after I found out they were involved in class action lawsuit and a lot of others were getting denied with same issues. They said I authorized the transactions and denied me my dispute when clearly they didn't properly investigate it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking to purchase a home for my family and I went to see my options for purchasing and the lady at the bank ran my credit to see if she can preapprove me and I was denied. I pulled my credit and I see some things on there that are not mine. I have filed a report with the CFPB and my local police. I'm doing this on my own behalf. XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX AND XXXX XXXX. Please remove these items from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit reports and seen unverified, inaccurate and erroneous items on there. This is effecting my chances of getting a home. I contacted the companies by sending a 609 letter to verify these items that are reporting and never got any verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have a mortgage loan with Fifth Third Bank. 
I received a COVID forbearance which started XX/XX/XXXX and ended on XX/XX/XXXX. 

Once the forbearance ended, I resumed my monthly mortgage payments for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I also made the XXXX payment today. 

Despite resuming payments and PAYING MY MORTGAGE ON TIME and also completing loan modification documents, I was reported delinquent by 180 days to the major credit bureaus. 
Ultimately the report of delinquency IS false. The result of this false report has been devastating. 

To elaborate, I need to buy a new car, but i am being denied credit because I was reported delinquent on my mortgage which again is untrue.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting Act XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX # XXXX have all 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1200.00}, {$9300.00}, {$4700.00}, {$10000.00}, {$6500.00}, {$7000.00}, {$1900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account.

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9300.00} -This is not my account.

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account.

4. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account.

5. XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6500.00} -This is not my account.

-- AUTO ACCOUNTS 6. XXXX XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$7000.00} -This is not my account.

7. XXXX XXXX XXXX   with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

ACCOUNTS : XXXX XXXX XXXX I looked at my credit report and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are supposed to 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: Checking or savings account

I have my social security check sent to chime bank account. I have tried for 3 days to move some of my money from that bank and I still have no money. I have done everything I know how to do. They have denied payment on any successful transaction. I have been doing this at lest 12 hours a day for 3 days. I have had some problems with this bank every month for the last 4 months
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX  Trafficking debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXX XXXX XXXX Account Number:XXXX  balance : {$24000.00} XXXX. XXXX XXXX XXXX Account Number:XXXX balance : {$10000.00} XXXX. XXXX XXXX Account XXXX balance : {$8600.00} XXXX. XXXX XXXX Account Number:XXXX  balance : {$1400.00} XXXX. XXXX Account XXXX balance : {$3300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

A XXXX XXXX XXXX XXXX account that Hasnt been touched in years reported a 90 day late which has hindered my credit. Ive spoke with the creditor and they advised they didnt put this 90 day late on the report. I have pictures below reflecting the notification I received from the bureau and my other credit monitoring services. you can clearly see they added late payments to the account and this is hurting my credit so I am requesting for this to be removed.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, XXXX, Equifax and XXXX are reporting my personal information without my consent. I see fraud accounts, addresses, names, date of birth and more. As a consumer I've already reported these issues with FTC, CFPB and all companies more than 5 times. The companies removed my account then later attached it back on my credit report. I get back the same responses and no results. This problem and unlawful acts has been going on for more than 2 years. Please review the attached documents to support my issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I received my consumer report stating that My account was closed and paid for Chase Bank, which that information was correct. I tried to open another account due to the fact I paid them off and nothing else was on my report. I was then transferred to another representative stating that the account was not paid off and they need a receipt of the payment. I told them I no longer have access to the transaction which happened in XXXX. The representative then says that she sees I paid it but the money was a returned payment. I advised that that could not be true. The issue is still not resolved and showing negative impact on my consumer history.
Product: Credit reporting or other personal consumer reports

recently got a copy of my credit report and noticed some inaccuracies on my credit report this account is hurting my ability to obtain credit is my understanding that Experian will investigate these accounts for me to ensure 100 % accuracy here is the account that I'm asking you to verify as accurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On or around XX/XX/year>, a letter was sent to Jefferson Capital System to request thorough verification and all documented proof of all alleged debt to Jefferson Capital System in writing by XXXX only. On or around XX/XX/year>, a letter was sent to both XXXX and XXXX to dispute the alleged debt to Jefferson Capital System due to a direct violation according to USC 1692 c ( c ), no written response was provided in return. On XX/XX/year>, an electronic complaint was filed with the XXXX XXXX XXXX and an electronic dispute was filed with XXXX to remove the alleged debt reported by Jefferson Capital System in the amount of {$5100.00}. Also on XX/XX/year>, in response to my XXXX  complaint and request for removal, Jefferson Capital System reported that the information disputed by me " meets the requirement of the Fair Credit Reporting Act '', which is false.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in letters to Equifax asking to have my consumer report to be verified. I have not received any documentation upon my request. They have XXXX XXXX XX/XX/2022 Amount {$6800.00} and XXXX XX/XX/2022 Amount {$1300.00}.
Product: Mortgage

On XX/XX/XXXX, my loan was sold by XXXX to Bayview Loan Servicing ( BLS ), with no notice to me. Within 10 days, I received a default notice from BLS. I called BLS and I was told I owed money to XXXX. I asked how much I owed XXXX and I was told I had to contact XXXX as BLS does not collect for XXXX, having no access to the XXXX system. I went into a local XXXX branch and the manager looked up my account and stated I was in good standing with XXXX. I then called BLS again and they stated there was nothing they can do because they show I owe money to XXXX I have since been to a total of three XXXX branches and the advised I am in good standing with them and I owe nothing towards my mortgage. I asked BLS how they can find me in default when the money was owed to XXXX, they said it must have been a mistake because my XXXX payment went to XXXX instead of BLS. After several phone calls to BLS, I could not get anywhere. They continued to insist that I owed money to XXXX. It was a Catch Twenty-two. The only way I can solve the problem was to pay money to XXXX, but XXXX would not take any payment stating I did not owe anything. 

So, I just kept making my payments as the attached Spreadsheet will show ( Exhibit 1 ). This exhibit details all payments from XX/XX/XXXX, the date BLS took over servicing the loan, and XX/XX/XXXX. As of that date, I overpaid BLS {$4500.00}. Additionally, these records show I made all payments due to BLS and I have completed these payments to the current date. During this time BLS changed their position and instead of claiming I owed money to XXXX, they stated I owed money to them, for XXXX, yet they took over servicing the loan in XX/XX/XXXX. BLS started charging me monthly fees, in amounts which violated my original mortgage documents, for being late, when it was obvious, I wasnt. They even told me previously that I did not owe money to BLS. BLS also was holding payments I made in Suspense meaning they were not crediting the monthly on-time payments I was making so they could charge me late fees. 

BLS has also reported my account as being late every month, year after year, to the credit bureaus, trashing my excellent credit rating, and preventing me from buying any properties now and in the future. This action is illegal and immoral. I have made every payment due to BLS since they took over the loan. I attempted to resolve any problem in XX/XX/XXXX but BLS stated I didnt owe them money, but I owe XXXX. XXXX has told me that BLS is not authorized to be a debt collector on their behalf. Why then is BLS trying to force unauthorized payments from me and ruining my credit rating? This is definitely not fair credit reporting when every payment owed to BLS has been paid on time.
Product: Debt collection

I 've sent several letters to Midland Credit Management to validate debt they claim I owe, they have failed to send proper documentation to validate the debt they claim I owe. The last letter I sent was returned back to me as insufficient address, when there notices has the address on there.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inclusion of a fraudulent account on my credit report and request its removal under FCRA 15 U.S.C. 1681c-2 ( Section 605B ). The account in question was opened or accessed fraudulently as a result of the XXXX data breach, which compromised my personal information. Account # XXXX has violated my rights. Account # XXXX has violated my rights. Account # XXXX has Violated my rights. 



Details of the Fraudulent Account : Account Name : XXXX XXXX XXXX Date Opened : unknown As stipulated under Section 605B of the FCRA, I have attached the following documentation to support my request : 1. A copy of my government-issued identification.

2. Proof of my current address ( [ e.g., utility bill, bank statement ] ).

3. A copy of the FTC Identity Theft Report or police report documenting this incident.

This fraudulent account was created without my knowledge or consent, and its presence on my credit report is inaccurate and harmful. Pursuant to the law, I request that this item be blocked and removed from my credit report within the required timeframe of four business days upon receipt of this letter and supporting documentation.

If you require additional information, I can be reached at [ your phone number ] or [ your email address ]. I appreciate your prompt attention to this matter and look forward to your confirmation that the fraudulent information has been removed. 



Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent out three disputes to Experian, XXXX and XXXX on the dates of XX/XX/2020 XX/XX/2020 and XX/XX/2020. The amount owed is {$1800.00}. I've disputed to receive proof of verification on my credit report but have not received accurate information at all. I've disputed about this account on three different occasions but neither credit reporting company has given me an accurate response.
Product: Mortgage

I HAVE APPLIED FOR HARDSHIP ASSISTANCE AND HAVE BEEN DENIED TWICE. THE REASON FOR DENIAL IS DUE TO INCOME, WHEN I GO OVER INCOME WITH MY SERVICER CHASE THEY INFORM ME THAT THE ONLY HOUSEHOLD INCOME IS MY INCOME. I HAVE A FIANCE THAT LIVES IN THE PROPERTY AND CONTRIBUTES WHICH I HAVE PROVIDED PROOF OF HIS INCOME AND A CONTRIBUTION FORM. CHASE HAS NO CLUE OF GUIDELINES BECAUSE THEY ARE STATING THAT FHA HAS A NEW GUIDELINE THAT DOESNT ALLOW FOR CONTRIBUTION, THIS IS OUTRAGEOUS. I HAVE RESEARCH MY LOANS GUIDELINES AND FOUND THAT THEY DO IN FACT USE CONTRIBUTORS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have carefully reviewed my credit report in EQUIFAX. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX and transunion continue to report inaccurate and false information. The account they continue to illegally display on my report was protected by the CARES ACT during the covid XXXX pandemic, as well as fcra laws. 

Bank XXXX XXXX XXXX is the account in question. 


According to Section XXXX of the FCRA, I am entitled to receive a notice of my rights when I request a copy of my credit report. This notice must include information about my right to dispute errors in my credit report and to request a credit score.

Furthermore, Section 611 of the FCRA requires CRAs to investigate consumer disputes and to correct or delete inaccurate or incomplete information in their credit reports. Section 615 of the FCRA requires CRAs to follow reasonable procedures to ensure the maximum possible accuracy of the information in credit reports. 

I have disputed these late payments with Transunion and XXXX, but to date, no action has been taken to correct the inaccuracies on my credit report. Bank XXXX XXXX and the CRA 's have illegally altered the information several times, even adding more late payments. I believe that Transunion and XXXX, have failed to comply with their obligations under the FCRA, specifically under the following sections of the FCRA : 623 ( a ) ( 1 ), which requires CRAs to maintain reasonable procedures to ensure the maximum possible accuracy of the information in their credit reports.

623 ( a ) ( 2 ), which requires furnishers of credit information to provide complete and accurate information to CRAs.

623 ( b ), which requires CRAs to reinvestigate consumer disputes if the consumer provides new information.

623 ( c ), which requires CRAs to delete information that is outdated, incorrect, or can not be verified. 

I demand that Transunion and XXXX, take immediate action to remove the inaccurate account from my credit report and to comply with their obligations under the FCRA. If Transunion and XXXX, fail to comply with this demand, I will have no choice but to consider my legal options, which may include filing a lawsuit to seek damages, statutory damages, and attorney 's fees for FCRA violations. 

Currently XXXX will not allow me to speak to anyone on the phone and making it extremely difficult to file a dispute or request info. Which is fraudulent behavior. 

This unauthorized reporting has caused great pain in my life. 

Thank you for your time and attention to this matter. I look forward to your response and resolution to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry on my account for a card from Barclays Bank that I never applied for. it is on my credit report and it 's hurting my chances fro certain things.
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE ARE 9 STUDENT ACCOUNTS THAT ARE IN FOREBARENCE AND SHOULD NOT BE SHOWING ON MY REPORT PURSUANT FCRA 623 IM DEMANDING THE REMOVAL OF THEM ALL. 

THERE ARE 6 CLOSED ACCOUNTS THAT IS SHOWING ON MY REPORT TO WHICH I DO NOT RECOGNIZE PURSUANT TO FCRA 623 I'M DEMANDING THE REMOVAL OF THEM ALL. 

THERE IS AN ALLEGED COLLECTION ACCOUNT SHOWIN ON MY REPORT TO WHICH I DO NOT RECOGNIZE. I'M DEMANDING THE REMOVAL OF IT PURSUANT TO FCRA 623
Product: Vehicle loan or lease

The dealership told me the cash price of the car was going to be significantly lower than the cash price for the car was on the contract. I did question the dealership about why everything seemed so high I was told that it was higher because of the extra warranties and because I was financing the sales tax. I was told that in a few months interest rates would be dropping and I could refinance the car. The cash price of the vehicle is significantly higher than what the car books for. No reputable bank would loan money on a car for more than it is worth. I tried to contact the bank and told them my concerns about the loan and contract as soon as I realized what happened. I wanted to see a copy of the credit application the dealership sent them to verify the information they were given. I wanted to make sure the dealership didn't say I was purchasing a car with a more luxury trim or with a bigger engine to justify more money than the car was worth. The bank told me they didn't have my credit application. I asked them how they were able to approve a loan without a credit application. Then I asked to speak with a supervisor and I asked again for a copy of the credit application they received when they agreed to loan money to me. Again I was refused and told that it wasn't in my file yet, but the loan already was. They told me it could take 45 days to have that information ( coincidentally after the first payment is due ) I asked them again how they were able to approve loans without credit applications on file. The supervisor had no answer for this. I believe Fifth Third Bank and the dealership conspired to enter me into a predatory auto loan that I would not be able to refinance with another bank.