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

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. 

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

Here is the list of items which are UNKNOWN to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX 2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the XXXX5 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Ireceivedanegativeremarkonmycreditreport;TheaccountwasopenedonXX/XX/2018fortheamountofXXXXfromDesignedReceivableSolutionsrepresentingXXXXXXXXXXXXHospital.IamXXXXandhavebothprimaryandsecondaryinsurancewhichissupposedtopayforthesemedicalbills.IneverhadagoodunderstandingofcreditsoIallowedtheseremarkstobuildup,andnow,asIamworkingtorepairmycredit,IamfacinganumerousamountofthesefalsechargesandIhopethismattercanbelookedintoasagestureofgoodwill.
Product: Payday loan, title loan, or personal loan

There was one missed payment and they charged an additional {$60.00} Fee on Top, and told me that I had better come up with {$300.00} otherwise it was going to collection. I borrowed {$700.00} and wasnt told up front that it was 480 % interest!
Product: Credit reporting

Trans union report the wrong information. I got a report today that has consolidated credit on it as collection agency/attorney. I did check with XXXX and XXXX an nether principle is registered as an attorney in either State, however Trans union allows the idiots to report on credit reports just because they want the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX and ALLIED ACCT ( Original Creditor : XXXX XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX and ALLIED ACCT ( Original Creditor : XXXX XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Product: Mortgage

My husband and I refinanced our mortgage on our primary residence in XXXX, reclosing on the new loan on XX/XX/XXXX. 

Our primary goal was to get rid of PMI on our loan, though we also sought a lower interest rate, lower monthly payment and would have liked to get some cash out to pay off a vehicle. We could have done a streamlined refinance through our existing lender to simply get rid of PMI at considerably lower cost. 

We live in the City of XXXX. Last spring, the City raised taxes exponentially. The notice of " proposed '' property tax increase was sent to all property owners, and well-publicized around XXXX ; it was covered in the mainstream media, and well known to industry professionals. We challenged the property valuation, and brought the valuation down by approximately {$25000.00}. Nonetheless, our property taxes increased by {$1000.00} between XXXX and XXXX. This was not a surprise. 

The lender was only able to offer a modest reduction in our interest rate, from XXXX with our previous lender to XXXX with the refinance. PMI would be removed, we could not get cash out. The representation in reduction in our monthly payment was largely due to an underestimation in our property taxes, which we did not realize were based on our XXXX property taxes. So while our total monthly payment, including principal, insurance and property taxes, would go from {$1400.00} to {$1100.00}, that was based on inaccurate information. Now, less than 6 months after we financed an additional {$6000.00} into this loan due to this refinance, we received notice that our escrow account is inadequate, and our new payment will be {$1200.00}. Had we simply done a streamlined refinance with the original lender, eliminating the PMI in the amount of {$100.00} per month, there was no reason to incur the additional debt for a half percent savings on the loan. 

I brought this complaint to the mortgage broker, Prosperity Home Mortgage. The Senior Mortgage Consultant, XXXX XXXX told me that, " by law we can only collect escrows for what is actual at the time and the only tax bill available was for XXXX since the XXXX tax bills don't come out until XX/XX/XXXX. '' She has since stopped returning my calls since I asked her to identify that law, since I do not believe there is any such law. Her statement is inconsistent with the law I found, which provides that escrow can provide a discretionary 20 % cushion for such increases, in addition to which WE HAD NOTICE of this increase. This industry is based on speculation. For something as certain as taxes, it is absurd and irresponsible that they would not request the data we had available, and rely upon it. 

We were misled, and now incurred a needless {$6000.00} of expense. I am requesting refund of the fees paid to this company, for either intentional or negligent misrepresentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX was informed XXXX XXXX that Discover card was reporting the wrong balances on my credit. After months Discover finally admitted that they were reporting the wrong balance, and that they were charging me for money that was paid to them and money that was returned to the count per unauthorized charges with interest intact. 

The {$1400.00} Discover has credited the account is a part of the inaccurate balance that they have been claiming was debt or credit to the credit bureau owed to them for months. 

When I asked Discover to admit this to the credit bureau they came up with excuses and lies telling me that their inaccurate report did not matter and for me to have creditors call them to let them know they made a mistake if I needed a loan. They have been recorded telling me that what is written in the credit bureau does not matter. 

I began not to trust Discover and have recording XXXX of everything they said to me, which confirms the accuracy of all that has been stated.,. 

The damage Discover card did could have been fixed early on if XXXX had properly disputed and researched the credit amounts that Discover stated they issued, when they did not issue nor ask my permission to increase my credit line. Discover card abused my trust. Discover literally took money from my bank and claimed it was credit issued to me by Discover then reported my money as debt to the credit Bureau, which is illegal and was never authorized by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX XXXX : {$370.00} XXXX XXXX XXXX XXXXXXXX Balance {$640.00} XXXX XXXXXXXX XXXX Opened XXXX XXXX, XXXX Balance {$1400.00} GRAIN XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXXXXXX XXXX XXXX, XXXX Balance {$120.00} XXXX XXXX XXXXXXXX Balance : {$640.00} XXXX XXXX XXXX  Balance : {$480.00} XXXX XXXX XXXX XXXXXXXX Balance : {$640.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I was car shopping I got approved by XXXX and when I looked at my credit report, I see XXXX XXXX, XXXX XXXX XXXX XXXX FXXXX XXXX XXXX XXXX. I called all these places to ask to have these removed due not getting approved by them and they said they will not call the collection agencies. I did so and they turn and push it back to them. I need this gone off my report
Product: Debt collection

I contacted PayPal on XX/XX/2021 to ask why an incorrect debit amount is being repeatedly debited from my account. The representative could not answer my question on why the amount is incorrect and why they can not stop the incorrect amount from being debited from my account. I also asked on what dates will the transactions be repeated again and the representative couldn't answer that either.
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX XXXX  it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Product: Credit reporting or other personal consumer reports

Same as my previous complaint, but system didnt allow me to work at XXXX company. Please remove the credit inquiry because it was not authorized.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. To following information on my credit report is the result of identity theft and should be blocked : This letter is to inform you that I have become a victim of identity theft. I contacted the Federal Trade Commission and filed a FTC complaint which is attached. There is a FRAUDULENT accounts on my report which do not belong to me. 
All required documentation is within this packet and has been Faxed and mailed via XXXX  mail to your agency. In addition, I demand the following fraudulent ACCOUNTS be deleted from my credit report immediately. 
Please remove the following fraudulent accounts from my credit report : ACCOUNTS : XXXX XXXX - XXXX XXXX. XXXX XXXX - XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit card or prepaid card

During travels in the country of XXXX, a charge in the amount of XXXX was applied to my Chase credit card by a company listed as XXXXXXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX. 
It is a fraudulent transaction that I never authorized, approved or signed for. 
In addition, I have never done business with this particular merchant. 
Upon return to the country, I immediately disputed this charge on my statement to Chase on XX/XX/XXXX. 
I did not receive a response from Chase regarding this dispute until XX/XX/XXXX when they notified me, in written notice, that they were denying my claim. 
Upon subsequent phone calls to the fraud dept. of Chase, I provided proof of my location ( as requested ) on that date of XX/XX/XXXX and that I could not have made this purchase. 
All to no avail, as Chase has rejected this evidence that I have provided to the contrary and any attempt at a resolution in my favor. 
I have other documents and statements pertaining to this time period and dispute, available upon request.
Product: Debt collection

Bridgecrest is reporting on my credit report as a repossession. After several attempts ( all documented ) the credit is refusing to verify the debt according to FDCPA XXXX and Arizona XXXX XXXX XXXX. In my attempts Bridgecrest has only responded with the same letter stating that I need to verify my address because they have a different address on file. 
My direct dispute attempts have been met with an illegal attempt to shift the burden of proof to me. In violation of FCRA 623 ( a ) ( 8 ) ( D ), 16 CFR 660.4 and Arizona Administrative Code XXXX Bridgecrest has made several attempts to collect the debt since receiving my letters. These attempts include updating my credit report, sending debt collection letters, and verifying false information to the credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 17th 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I came across this the CFPB XXXX lawsuit. 

I feel that I was negatively impacted by XXXX and EQUIFAX, hurting my chances of receiving housing and credit after receiving a response to my earlier disputes that the accounts were " verified ''. But I do not see any details about you investigation. 

Complaint Number : XXXX, XXXX Complaint Date : XX/XX/year>, XX/XX/year> It is the law that the items that they are reporting are 100 % accurate and they have failed to provide me with the proof and this has landed my family and I into homelessness and is causing me a lot of stress! 

And now I can not access my XXXX report now!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with BLINCLOANS for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 
Unfortunately, I was in a financial dilemma due to job loss. As a result, some of my payments to you were delayed. Because your account with me is extremely important, I managed to borrow the money to cover the late payments. I made those payments 30/60 days late on a few occasions during the course of my situation, but I made sure to fulfill my obligation to ensure that your company suffered no loss. 
I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now those late marks on my credit reports have become detrimental. I am trying to apply for a new job, but the negative remarks are hurting my efforts. 
The credit bureaus have advised me that they will report anything as instructed by you, but they need to have that instruction in writing. I am pleading with you to help me and take into consideration how good of a customer I have been and how long I have had an account with you.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX and I was scammed out of {$990.00} on XX/XX/XXXX by cash App or square as the merchant through my XXXX XXXX XXXX in XXXX Ga.. I spoke with their fraud dept. while the transaction occurred. They told me 4 prior transactions were attempted. I have since contacted FBI and NCAU and to no avail they credited my account on XX/XX/XXXX and on XX/XX/XXXX they recanted their MONEY FROM MY ACCOUNT and told me if they give me my money back, they will close my bank account that I have hade over 23 years. They show no concern or loyalty for your money or customers. Is XXXXXXXX XXXX XXXX XXXX for real with their headliners. I will be forwarding a copy of this email to my local and national syndicates for XXXX and XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. If I don't get a response within 72 hours of this sent doc. I didn't receive the respond. I still want my money back and my credit union was no help
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding XXXXXXXX XXXX XXXX Failure to Investigate Fraudulent Accounts and Reporting of Inaccurate Information Dear Sir/Madam, I am writing to file a formal complaint against XXXX XXXX XXXX for their failure to properly investigate fraudulent accounts attributed to my name and their continued reporting of inaccurate information to credit reporting agencies. 

The fraudulent accounts in question are as follows : Account Number : XXXX ; Amount/Value : {$4800.00} Account Number : XXXX ; Amount/Value : {$5800.00} The details of my complaint are as follows : These accounts are not mine, and I have no knowledge of their origin. Despite this, they have been reported as closed or charged-offs with balances, causing severe harm to my credit report. 

To address this matter, I provided XXXXXXXX XXXX with all necessary documentation to prove my identity and substantiate the fraud claim, including my FTC Identity Theft Report, a police report, and an affidavit of identity. 

I was informed that the issue was being handled by their legal department ; however, no meaningful investigation has been conducted, and the fraudulent accounts remain unresolved. 

This ongoing inaction is a violation of the Fair Credit Reporting Act ( FCRA ) and has caused me considerable financial and emotional distress. 

I am requesting the CFPB 's assistance to ensure that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Thoroughly investigates these fraudulent accounts. 

Removes the inaccurate information from my credit reports. 

Resolves this matter promptly and prevents any future harm to my creditworthiness. 

Enclosed with this letter are copies of all supporting documents, including : FTC Identity Theft Report Police Report Affidavit of Identity Correspondence with XXXXXXXX XXXX Thank you for your attention to this matter. Please do not hesitate to contact me if additional information is required. I look forward to your prompt assistance in resolving this issue. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Possible addresses that are affiliated with me listed above. 
Possible names that are on my credit report that has no affiliations with me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the accounts that are not to be listed on my credit report. 
XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX {$1600.00}, {$1700.00} XXXX XX/XX/XXXX