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

I am writing to formally request the blocking and deletion of certain accounts and inquiries on my credit report due to my status as a victim of a data breach. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent information related to identity theft removed from my credit file. Please process this request as soon as possible to help safeguard my personal information and credit integrity. 
Accounts to be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX  - {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$2900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$6200.00} XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$1500.00} XXXX XXXX XXXX XXXX XXXX  XXXX {$89000.00} Inquiries to be Removed : XXXX XXXX XXXX - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXXXXXX  I mailed a certified letter to Transunion requesting the method of verification for some items on my credit report. As of XX/XX/XXXXXXXX  I have not received that information and the accounts are still being reported of my credit report. Transunion is in violation of the FCRA reason 1 ) they have 15 days from the date of request to submit the verification method to the consumer and they have not done so. 2 ) By reporting inaccurate information Transunion has committed identity theft against me. I am demanding removal of the following accounts in the next 5 days and/ or I will began a lawsuit against Transunion . 

Delete these accounts : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX  XXXX XXXX XXXX  XXXX we are all aware Transunion has a history of reporting misleading and false information on consumers credit report.
Product: Vehicle loan or lease

I purchased a XXXX Golf R in XXXX from XXXX XXXX in XXXX, VA. I leased the car through VW Credit. At the end of my lease, I decided to purchase the car from VW Credit. Just before this, VW credit billed me for 12 Months of personal property tax on the vehicle for the 2019 year. I paid the 12 Month bill in full to VW credit. I purchased the car off of lease on XX/XX/XXXX. The property tax bill that I pre-paid was due to the County on XX/XX/XXXX. As a result of my purchase, the county notified VW credit that they were only responsible for XXXX Months of tax which they paid. The problem is that I had already paid VW credit for 12 Months. Since XXXX of XXXX, I been unable to receive ANY refund from VW credit whatsoever. Moreover, whenever I call them, they claim they can not see any payments, etc. and will have to make a request to their tax department and get back to me. They NEVER get back to me. This is theft. Their XXXX XXXX XXXX rating is a " XXXX  ''. Thats very bad for a lending institution.
Product: Credit reporting or other personal consumer reports

I keep a freeze on my credit report accounts. I lift the freeze for credit checks and reinstate the freeze after the unfreeze is no longer needed. 

My need for a reinstatement of a freeze coincided with an action by an online company out of XXXX. I was able to reinstate the freezes ahead of the original XXXX unfreeze that I had originally requested with XXXX and XXXX. I was also able to talk to agents who helped. 

When I tried to do the same with Equifax I was unable to talk to an agent - no matter which number I called or which button I pushed. I was asked questions about old phone numbers that had to be XXXX XXXX XXXX, since I moved out of that area code XXXX  years ago. I was asked about credit from before the pandemic. 

The options I was given did not allow me to reinstate the freeze - an agent would have saved me time and closed the window of opportunity for fraud to occur from that XXXX online, no phone number company. Equifax may as well not have a phone number, because it was impossible to get through to an agent- it was AI all the way.
Product: Mortgage

I was recently made aware that I have not received credit for mortgage payments to Wells Fargo that were submitted to the original loan provider XXXX XXXX in XX/XX/2017. I made 4 partial payments in XX/XX/2017 totaling {$1900.00} ( {$480.00} - {$480.00} - {$480.00} - {$480.00} ). 

I reached out to XXXX XXXX to investigate this matter and they could not verify one of the payments ( {$480.00} ).

I reached out to Wells Fargo to investigate this matter and they could not verify two of the payments ( {$480.00} and {$480.00
} ). 

I submitted proof of payment to both companies. As of today I have not been credited for my payments and Wells Fargo has implemented late charges on my account earlier this year when in fact I am one month ahead in mortgage payments. I have been promised updates on this matter from both companies and as of today I have no updates.
Product: Vehicle loan or lease

On XXXX XXXX XXXX of w the dealer ran my credit and lied about numbers on a new car i was purchasing without my knowledge. I was there to trade in my car which had 6 payments left and i was making a deal for a new car the saleswoman lied to me and said we will pay off the remaing payments of your car and i will get you to the payments you desire which was all a complete lie and a scam she ran my credit without giving me even numbers on the new payment for the car and she never told the manager that i had a trade in.. which then she came back and said oh we cant take your car for a trade in or pay off the payments complete SCAM and a liar her name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
thank you
Product: Checking or savings account

My debit card was lost and two fraudulent checks were deposited that I did not deposit. After the checks were on hold my account was flagged and closed. I called chase and they told me was closed and didnt give me any more information and said they couldnt reopen my account. I wanted to see if they can check cameras of their atms of where they were deposited to see who deposited the checks and was told to file a police report
Product: Debt collection

On XX/XX/2020, I talked to XXXX  ' ( fast talking XXXX that muffled her name ). We came to a agreement that I would pay {$190.00} ( my original balance for PNC ). Well on XX/XX/XXXX I paid the {$190.00}. I guess on the same I was sent a letter stating that the agreement was cancelled because I didn't send in the {$190.00}. But it seems that I was only giving a few days to do so. Now I wasn't giving a " date '' or timeline. Infact in most cases, The agreed settlement is permanent ( unless passed over to another collection agency ) so to get a letter sent on the same day I paid the amount ( XX/XX/XXXX ) I cant trust it at this point.
Product: Debt collection

I am writing to express my deep frustration and annoyance with the continued presence of fraudulent accounts on my credit report. Despite my repeated attempts to rectify this situation, these fraudulent accounts persist, and it has become abundantly clear that your organization is failing in its duty to protect consumers from identity theft. 
Account Information : XXXX XXXX- PLEASE DELETE!!! 
XXXX XXXX- PLEASE DELETE!!! 
XXXX XXXX XXXX- PLEASE DELETE!!! 
XXXX XXXX XXXX- PLEASE DELETE!!! 
XXXX XXXX XXXX XXXX PLEASE DELETE!!! 
XXXXXXXX XXXX XXXX XXXXXXXX - PLEASE DELETE!!! 
XXXX XXXX XXXX- PLEASE DELETE!!! 
I can not emphasize enough the urgency of this matter. It has been years since I first reported these fraudulent accounts to your bureau, and yet they continue to tarnish my credit history, causing me financial and emotional distress. The presence of these accounts has hindered my ability to secure loans, obtain credit, and achieve my financial goals, all through no fault of my own. 
Despite all these efforts, I continue to receive no resolution, and these fraudulent accounts remain on my credit report. This situation is unacceptable, and it is clear that your organization is not taking the necessary steps to investigate and address this issue promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX CREDENCE RM ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  XXXX XXXX XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

Since XXXX, my husband and Is information and SSN have been sold on the dark web. In XXXX, XXXX XXXX XXXX ( born in XXXX ) sold my husband and Is information on the dark web. He used our name, SSN applied for a mortgage, car loan, and credit cards. 
In XXXX, our information was sold again on the dark web. There were many buyers and we received the highest bills. 
XXXX was unwilling to provide information about these loan and credit card companies, nor was it willing to mail a credit report to my home. The company has always treated me as a criminal, and regarded the criminal with mortgages, car loans, and credit cards as the real me. I sent an e-mail to XXXX XXXX, and then entered into dispute resolution and restored my identity. 
You have the most complete loan information and credit card information. Please help me, terminate these criminals using my name and my husband 's name XXXX XXXX XXXX for these mortgages, car loans, credit cards. 
XXXX also said his is my partner ( not ), my boyfriend ( not ), applied for a mortgage. 
These car loan, mortgage, and credit card companies did not send a letter to my home for confirmation, and they loaned money to these criminals. This is a financial loophole in the United States, and we hope to solve this problem. 
I need your help! 
Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX2023 hard inquiry is fraudulent. I did not authorize it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified items without providing any proof within the time frame specified by law. My credit report includes the following erroneous items that needs to be investigated and corrected : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, and fraudulent information has been reported on my credit report. Several accounts have been incorrectly listed as delinquent, which has significantly affected my credit. These accounts include : XXXX XXXX ( Account Numbers : XXXX and XXXX ) - Status : Charge-Off XXXX XXXX XXXX ( Account Number : XXXX ) - Status : Closed XXXX XXXX XXXX Account Number : XXXX ) - Status : Collection Additionally, an incorrect address has been listed on my credit report : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX This address is fraudulent and should be removed from my file. 

I have taken the necessary steps to report the identity theft, including filing an identity theft report and submitting disputes to the credit bureaus under Section 605B of the Fair Credit Reporting Act ( FCRA ). I have also provided all supporting documentation, including proof of my identity, proof of my updated address, and a police report, to Equifax, XXXX, and XXXX. 

Despite these actions, the fraudulent accounts and incorrect address remain on my report, negatively impacting my ability to obtain credit.
Product: Student loan

I have auto pay set up with Mohela, and every month they take my payment from my bank account and do not process the entire payment. Some loans show partial payments, but since XXXX I have had to call multiple times to argue that my credit payments have been made. They process the payment data before it would report to the credit bureau ( 90 days past due ). I am getting delinquent notifications, outstanding balance notices, but Mohela has my payment. They will not tell me anything other than the system just needs to process the payment but that should not lead to delinquency on my end. I am currently on hold for going on 45 minutes just to complain again. My interest is continuing to accrue because they will not post my payments. Currently, their system shows my XXXX payment was received, but their phone system says I am missing payments from XXXX Mohela will take my money but not apply it to the loans as they are required to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following items which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$15000.00} ; XXXX XXXX XXXX XXXXXXXX XXXX Owed : {$3500.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$13000.00} ; XXXXXXXX XXXX XXXX  XXXX Balance Owed : {$2600.00} ; XXXX XXXX XXXX Balance Owed : {$17000.00} ; XXXX XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX Balance Owed : {$6000.00} ; XXXX XXXX  XXXX Balance Owed : {$2900.00} XXXX XXXX XXXX XXXX Balance Owed : {$10000.00}.
Product: Debt collection

Experian XXXX XXXX XXXX XXXX, TX XXXX Formal Dispute of Experians Failure to Properly Investigate Disputed Information To Whom It May Concern, I am filing a formal dispute regarding Experians mishandling of my prior disputes and their failure to comply with the requirements of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). The CFPB 's recent lawsuit highlights systemic issues with Experians handling of consumer disputes, which are directly relevant to my experience. 
I previously disputed the following information on my Experian credit report : Account Name : XXXX XXXX XXXX  Account Number : XXXX Disputed Issue : unverifiable account Despite submitting evidence to support my dispute, Experian failed to conduct a proper investigation. Specifically : 1. Sham Investigations : Experian failed to convey the full details and supporting documentation of my dispute to the data furnisher. Instead, they appear to have accepted the furnishers response without question, even though it contradicted the evidence I provided. 
2. Failure to Provide Investigation Results : The response I received from Experian was vague, confusing, and did not provide specific details of their investigation or evidence supporting their decision.

3. Potential Improper Reinsertion of Inaccurate Information : I am concerned that Experian may have improperly reinserted information I previously disputed and believed to be corrected.

Experians actions appear to violate the following : FCRA 1681i ( a ) : Failure to conduct reasonable investigations of disputed information. 
FCRA 1681i ( 5 ) ( B ) : Improper reinsertion of previously deleted information without proper notice. 
CFPA Prohibitions : Engaging in unfair acts or practices by failing to ensure accurate investigations and providing misleading or ambiguous responses to consumers. 
1. Reinvestigate the Disputed Information : Conduct a proper and thorough investigation of the disputed account and provide detailed results of your findings.

2. Remove Inaccurate or Unverifiable Information : If Experian or the furnisher can not verify the disputed account with evidence, delete it from my credit report immediately.

3. Provide Investigation Details : Share all documentation you used to verify the disputed account, including records from the data furnisher.

4. Ensure Compliance with the Law : Prevent improper reinsertion of any previously disputed or deleted information.

If Experian can not provide adequate documentation or results of a legitimate investigation, I will escalate this matter further by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and considering legal action under the FCRA and CFPA.

I look forward to receiving a response within 30 days, as required under the FCRA. 

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

I inquired about wrongful items on my credit report through TransUnion XXXX XXXX on XX/XX/2022. We are well into XXXX and I have yet to get a response from both credit agencies.
Product: Debt collection

I found out there was a medical collection ( account XXXX for {$56.00} from XX/XX/2015 ) from Firstpoint Coll Resources, INC on my XXXX credit report that I do not recognize. I opened a dispute with XXXX said they reported that the account belonged to me, but I do not know what it is or what it is for, and I still have not been able to get a response from Firstpoint Coll Resources after leaving multiple voice mails. I have attached the relevant snippets as supporting documentation. I can be reached at XXXX or at ( XXXX ) XXXX. Thank you in advance, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED account information from my consumer file. Delete XXXX XXXX and XXXX fraudulent accounts within 2 business days!
Product: Checking or savings account

Each time I call Citibank, I talk to an outsourced call center. I have to start from square XXXX with each person I talk with. I tell them I have tried to make a transfer from my accelerated savings account to an external XXXX account. I verify all kinds of information : my account number, my SSN, my address, my phone number, when I opened the account, when I made the transfers. Each time they tell me my account is under review for XXXX. After that time period my transferred will be allowed. FALSE! I have gone through this XXXX different times. Twice they even said they would make an alert on my account to accelerate my request since I have been having trouble. After all that, then WITHOUT NOTICE my account was blocked. I could not even access it or see the money I had in my account. After XXXXXXXX XXXX  on the phone I was able to get my account access back and they CONFIRMED I WOULD BE ABLE TO MAKE THE TRANSFER THEN. FALSE! I still was not able to make a transfer. Finally, I tried making the withdrawal initiated from my XXXX account to Citibank. It is still under review for XXXX in which that time period is already passed and my transfer is still on " hold ''. No one is able to help me, no one is able to resolve my problem and in the mean time I am not able to access MY OWN MONEY!
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX Balance : {$750.00}
Product: Vehicle loan or lease

On XX/XX/XXXX, i bought a XXXX XXXX XXXX from XXXX XXXX, XXXX Ca. This dealership is no longer in business This car was leased for 36 months through, Volkswagen Credit, XXXX XXXX XXXX, XXXX Il XXXX. Phone XXXX XXXX XXXX. Account number XXXX. 
i decided to sell the car to XXXX and on XX/XX/XXXX i called Volkwagen Credit and was given a customer pay off of {$17000.00} good through XX/XX/XXXX. When XXXX contacted VW they were told the dealer pay off was {$18000.00}.

I called back VW and the told me that the customer pay off was based on residual value and the dealer market value, unless you are a VW dealer. 
i do not understand this and every one i have talked to does not seem to either.
Product: Debt collection

ON  XXXX   XXXX ,  2017 . A collection was placed on my   XXXX   credit report b y Blake Witt and Associated for the amount of {$1800.00}. I was never notified that 's it was in collections nor so I even know the collector. By law I am supposed to be not ified that 's something will enter my credit report. I was not. I attempted to call and have written a  Debt Validation to t he collector. This has caused a hardship with my finances and credit as I am in the process of buying a home. Please remove the collection immediately.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 
This fraudulent, inaccurate, and false information consists of a few Personal credit card accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer FICO credit report, leaving me with so much stress and financial hardship. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as proof from the US Federal Trade Commission that all previous consumer credit accounts, collections, and hard inquiries result from identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I sent a letter off on XX/XX/XXXX and XXXXXXXX XXXX  here are my tracking numbers # XXXX and XXXX to remove inaccurate personal, financial, and late payments information that I don't want on my credit report and I would like the accounts deleted and removed off my credit reports. According to the fair credit reporting act 15 USC 1681 ( a ) and 15 USC 1692 ( a ). I have the right to privacy. 
Also according to 15 USC 6802 ( a ), ( e ) 5, no financial institution is supposed to share my information with third-party people. 
The credit bureaus removed it and re-adding it After the first complaint I submitted and issued it back on my credit reports These are clear violations of my federally protected consumer rights.