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

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX  XXXX XXXX XXXX, UT XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX B XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit freeze, identity theft hold on my credit profile. XXXX is reporting credit inquiry from XXXX XXXX/XXXXr XXXX XXXX, XX/XX/2018. I have mailed a request to XXXX to remove, they failed to follow procedure with credit freeze, identity theft on my profile.
Product: Credit reporting or other personal consumer reports

In reviewing my credit report, I have identified the following items that are inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act, I hereby demand that you investigate and delete these items from my credit report. It is my understanding that you will verify these items with the creditor responsible for their reporting. Please eliminate any information that the creditor is unable to verify. I am aware that, as per 15 U.S.C. Sec. 1681i ( a ), you are required to conduct this reinvestigation within 30 days of receiving this letter. 

Please send an updated copy of my credit report to the address provided above. As mandated by the act, there should be no fee for this updated report.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-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 have given you my identification as well as the information requested from the list of acceptable documents which only 2 are required by law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Debt collection

XXXX reached out to me in the fall of XXXX indicating that I owed this debt of XXXX. The address they gave me for the notices and billing was not my address and I indicated this. They stated that I needed to prove my identity to prove to them this was not mine. I indicated that that was not correct and they need to prove to ME it was mine. I spoke to XXXX again in XXXX as I was preparing to buy a house and they indicated that they had no record of the debt. I am enclosing a letter that the have sent to the collection agency again indicating that this is not my debt and requesting that it be removed. Thank you
Product: Credit reporting or other personal consumer reports

Please Check information concerning the equifax data breach below on attachments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$650.00} XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

I am submitting another complaint to show the continual acts fraud that JP MORGAN Chase continues to committ. I never REFINANCED my home 8 months after purchasing the home. XXXX XXXX requested and discharged the original mortgage from the now Defunct XXXX XXXX in which XXXX XXXX out of XXXX GA plead guilty and went to federal prison for the fraudulent documents. XXXX XXXX paid off the original loan and I never entered into any other mortggage agreements with any one else. My signature has been forged on the 2008 refinance documents. The modification that Chase claims I had has my signture forged and now they submit documents on CFPB website response with a notary who claims that he sat before and witnessed my signature. I would like to know were this took place because I never did a refinance on my home. To prove this continual acts of fraud I have attached the notary XXXX XXXX XXXX signature on other mortgage documents that are not the same. He will also get added to the new law suit that will be filed in a couple of weeks. The attorney general and government should intervene in my case because I ca n't believe this fraud is continuing after the banks have entered into a settlement agreement due to this mortgage fraud. I am also willing to sit down with a forgery expert to prove these signatures on these loan documents are not mine,
Product: Debt collection

I am writing to formally request that you cease and desist all further communication with me in accordance wit

h 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ). I do not wish to receive any further communication regarding this alleged debt. Please be advised that, under 15 U.S.C. 1692c ( c ), I have the right to request that you stop contacting me about this matter. I am
invoking this right and demand that all future communications from you, or anyone acting on your behalf, be terminated immediately.

You are not authorized to contact me by phone, mail, or any other means of communication. If you continue to contact me after receiving this letter, it will be considered a violation of the FDCPA, and I may take legal action against you for harassment and non-compliance with federal law. 

Please note that this is a formal request to cease all communication and should not be construed as an acknowledgment or acceptance of any debt. 

I also request that you provide written confirmation that you have received this cease and desist request and that all communication has been stopped. 

Thank you for your immediate attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I happened to check out what was going on with my credit report. I noticed several collection items placed on my report that do not belong to me. Please remove them from my report today I appreciate the help. Thanks so much.
Product: Debt collection

NOT A DUPLICATE last complaint had spelling errors Im Disputing the original loan amount - TRANSUNION report {$7600.00} XXXX XXXX report {$12000.00} im disputing incomplete payment history from XXXX XXXX XXXX this account been open since XX/XX/XXXX and the first payment history was recorded in XX/XX/XXXX im disputing missing notice of dispute from XX/XX/XXXX im disputing the past due of the account XXXX report its {$7900.00} XXXX XXXX report {$8800.00}
Product: Credit reporting or other personal consumer reports

I am reaching out to follow up on my earlier request for an investigation into the errors on my credit report, which I first submitted in XX/XX/XXXX. To date, I have not received any response from your office, and the inaccurate information is still present on my report, negatively impacting my credit. This lack of action is both troubling and unacceptable. 

For your reference, this is the account that I am referring to : XXXX XXXX XXXX Balance : {$650.00} Date Opened : XX/XX/XXXX Please promptly eliminate the late payment and UPDATE this account immediately. 

I respectfully urge EQUIFAX to resolve this matter without further delay. 

Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are obligated to investigate disputes within 30 days of receiving a formal request. However, it has now been more than [ number of days since the initial request ] days, and I have yet to receive any resolution, confirmation of an investigation, or an update on this issue. The ongoing presence of this incorrect information has significantly harmed my creditworthiness, leading to credit denials, higher interest rates, and emotional distress. This prolonged delay raises serious concerns about the reliability and efficiency of the process.
Product: Credit card or prepaid card

Wells Fargo issued me a {$100.00} XXXX gift card about a year ago. Went to use the card recently and there was no balance on the card. I have called Wells Fargo multiple times to resolve this matter to no avail.
Product: Checking or savings account

I became aware of fraud on my Chase Bank checking account in XXXX of 2017. I went to them, filed and complaint, closed the affected account, and moved on. The banker misfiled the charges, and I returned in XXXX to rectify the situation. My second banker, XXXX, and I, were lied to almost constantly by everyone we contacted. I had to switch accounts yet again, and and Chase Bank stole {$400.00} additional dollars from my paychecks due to " debits due to dispute '' that did not exist, as they never issued me a check to credit the fraudulent amounts. When we contacted them in regards to this, they would promise to overnight the check, but the check never arrived, and we were eventually told, never even issued. They then closed my account due to " suspicion of fraud '' after I had FILED THE FRAUD CLAIM WITH THEM TWICE, AFTER WHICH THEY IGNORED ME. 
Because of the {$2000.00} I lost to fraud I nearly lost my apartment due to the inability to pay rent, and to make matters worse, Chase took an additional {$400.00}, after doing absolutely nothing to alleviate or address the situation. Horrible and horrific banking practices.
Product: Debt collection

Upon inspection, my credit report includes several accounts I do not recognize. I ask that these be promptly blocked and removed as fraudulent.
Product: Credit reporting or other personal consumer reports

15 U.S. code 1681s ( A ) ( 1 ) A States A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. code 1681e States Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c. This title and to limit the furnishing of consumers reports to the purpose listed under section 1681b of the tile.
Product: Payday loan, title loan, or personal loan

I notified Big Picture Loans 2 times last week that I revoked automatic debits as I temporarily lost my income. Even so, they tried to debit my checking account this morning resulting in a {$33.00} fee for me. In with this, I have come to understand that the interest charged is not within what Minnesota Law allows. I am willing to make some kind of agreement to make payments once my income resumes, however, I request to negotiate the interest and I request the revocation be immediately honored. I also request the they refund the fee I incurred as I sent the revocation in writing. Last, since I had a prior loan and was charged an illegal interest rate I request that an adjustment be made.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXXXXXX Balanceed Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balanced Owed : {$1000.00} ; XXXX XXXX XXXX XXXXXXXX Balanced Owed : {$0.00} ; XXXX XXXX ; XXXX, XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing once again to inform you that I have been a victim of identity theft. It appears that my previous requests to dispute unauthorized items on my credit report have been disregarded. This inaction is a clear violation of FCRA laws. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$5400.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy XXXX XX/XX/XXXX XXXX  Amount : {$0.00} XXXX XXXX  XXXX Balance : {$5800.00} XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Back on XX/XX/2021 I received an email from Scratch loan servicing stating that my XXXX loan had been forgiven & is paid in full! I was excited & grateful for this. About a month or so later, I never saw this positive debt reflected on my commercial/business credit report. I found information on Scratch 's website stating that they do report to these bureaus, like XXXX XXXX XXXX. I have repeatedly called & emailed Scratch for about 2 months, receiving 1 reply that they will contact me back. To this date, I have not heard back from them. I then reached out to the lender directly, XXXX XXXX XXXX. They said they would contact Scratch on my behalf and that has had no results. I am requesting that Scratch honor their reporting guidelines as stated on their website, and I believe is a guideline/rule with the XXXX as well.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX, 2024 XXXX XXXX reported a negative credit incident related to my credit card. The information provided to Experian credit reporting agency is materially FALSE and unsubstantiated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked Fedloan after checking my credit report to buy a home, when it came back I had XXXX > past due XXXX. I havent lived at the address they have on file for over XXXX years, nor have I received any phone calls from them. I was never offered any type of assistance or forbearance. I only realized they were out there after I applied for a home loan, I was only enrolled in the schooling for 3 months before having to leave due to XXXX and my husband leaving for the XXXX. Also had problems with mail forwarding even after moving out and now the loans have defaulted leaving a huge mark on my credit to where I can now not purchase a home for my family. The loans are also over XXXX and I never received any where near that amount of schooling.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the TransUnion credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and delete. 
We've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not delete the accounts because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy ... as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at TransUnion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 
XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX, XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Credit card or prepaid card

I called PayPay on XX/XX/2018 to ask about my APR. I was told that my APR is 25 %. The last time I checked it was 19 %. I asked why PayPal had increased my APR as I am a good customer, not late with payments, not missing any payments, and was told that PayPal changed banks in XX/XX/2018 and due to this change they increased their rates. I then asked how I can get my APR lowered and was told there is NO WAY to lower this rate. I'm shocked that since I have been on time with payments, usually making extra payments and never missing a payment, that I would have my rate raised and not be able to lower it..ever! I suggest that everyone who has a line of credit with ayPal check to see what or how much their rate went up. This is robbery!
Product: Mortgage

Every year I am forced to spend several months getting my mortgage processing co. to acknowledge my insurance. There seems to be a scam that involves them buying insurance and billing me through escrow. The mortgage company must make a lot of money placing these policies. I live in a XXXX. The Association has flood insurance and the agent and policy has not changed. The information is on line. The mortgage company is named on the policy. The agent contacts the mortgage company and I continue to get letters saying I have no insurance. When you call them, there is always a mistake. The information was n't processed, somebody did n't enter the information properly, etc. It seems that they are trying to wear you down and if you do n't have the time or energy to go through XXXX calls waiting on the phone for an hour or so, then they win. My condo agent, the insurance agent and others all are aware of this scam. Other people must be going through this as well. This year, they sent a letter saying I did n't have homeowners insurance even though they pay the policy directly with escrow money. They are polite during the phone calls. They promise to correct the mistake, but it takes three months every year to get them to cancel the policy or enter the correct information. You know that they are counting on a certain number of people who do n't follow up and get scammed.
Product: Credit reporting or other personal consumer reports

Subject : Credit Report Discrepancies and Fraudulent Activity I am writing to formally dispute several inaccuracies on my credit report that require immediate attention and resolution. 

Recently, I have identified multiple items on my credit report that are erroneous and do not pertain to my financial history. These discrepancies have arisen due to fraudulent activities where my personal information was compromised. Attached to this correspondence are documents substantiating my claims, including police reports and official letters from the Georgia Bureau of Investigation confirming my status as a victim of identity theft and data breaches. As a result, the items listed below should not be associated with my credit report : - XXXX XXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Supporting deletion letter attached ) - XXXX XXXX XXXX Based on the supporting documentation provided, I request that these erroneous entries be promptly deleted from my credit file. 

I appreciate your immediate attention to this matter and look forward to a swift resolution. Please inform me of the steps being taken to investigate and correct these discrepancies as per the Fair Credit Reporting Act. 

Thank you for your prompt assistance. 

Sincerely, XXXX XXXX