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

Dear CFPB Team, I am writing to formally dispute several unauthorized inquiries that have appeared on my credit report. After reviewing my credit report from XXXX, XXXX, and Experian, I noticed the following inquiries that I do not recognize and did not authorize : [ List of Inquiries ( include company names, dates of inquiry, etc. ) ] I request that these inquiries be removed from my credit reports as they were not authorized by me. To resolve this matter, I would appreciate it if you could investigate these inquiries and take the necessary steps to correct my reports with the credit reporting agencies.

Attached are copies of my credit reports showing the disputed inquiries, along with identification documents to verify my identity. Please let me know if any additional information is required to process my request.

Thank you for your prompt attention to this matter. I look forward to your response. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhis information is not correct and needs to be remove from my credit report
Product: Credit card or prepaid card

Citi once again you failed to indicate on the credit reports that XXXX is now the official debt handler Federal law require all creditors anytime that a placement or purchase has taking place it is a requirement By law its a federal law! I have sent you proof That its not reporting by law you have to remove this account from all credit files for failure to indicate on the credit report.
Product: Debt collection

Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written Unwritten verbal and nonverbal per 15 USC 6802. My personal and financial information is still on display for the public to see.I want my personal and financial information to stay private and not violate the privacy act of 1974. Only the business that gave me credit, how much credit, and when credit was given should be the only information on public display. I have opted out this all creditors so the information you are showing is stolen identity, which you have 4 business days to remove. 
The company ignored my request over the phone at the number I'm supposed to call to stand in my rights. The number I called was XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and dissatisfaction regarding the handling of fraudulent items on my account with Credit Bureaus. Despite reporting these unauthorized transactions promptly, I am dismayed by the prolonged delay in their removal, causing undue stress and inconvenience. 

I discovered fraudulent transactions on my account statement, which were not authorized by me. Immediately upon discovery, I notified your company 's customer service department and filed a report detailing these fraudulent activities. However, I am disappointed by the lack of urgency and efficiency in resolving this matter. 

As a loyal customer, I expect timely action to rectify such issues and protect my financial interests. The continued presence of these fraudulent items not only undermines my trust in your company but also poses a significant risk to my financial security. 

I urge you to prioritize the immediate removal of these fraudulent transactions from my account and take proactive measures to prevent similar occurrences in the future. Additionally, I request transparent communication throughout the resolution process to ensure clarity and accountability. 

Failure to address this matter promptly will compel me to explore alternative avenues to protect my rights as a consumer, including but not limited to seeking assistance from regulatory authorities and legal counsel. 

I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XXXX I reached out to Experian to dispute the date for removal of a BK-XXXX that's on my Experian credit report showing filing date of XX/XX/XXXX which is scheduled to be removed on XX/XX/XXXX. First of all, the dispute was not accepted on line. After calling and speaking with the representative, she explained to me to that could upload the supporting documents into their system and they would allow the item to be removed early since it's with a 120 day window. I went to submit the document on the site she gave me and that site doesn't accept the documents that's 2 pages big so I then split the pages and it still states item was to large. Then the system just would continue to time out even though I completed all the information needed in under 3 minutes. I then was told to mail the documents in to XXXX, Texas. The system should not be this hard to try to get your life back on track. It makes you want to give up and not even deal with this type of thing. Honesty, I think its by designed to deter normal, hard working citizens to not better their credit and to keep them going through life with the highest interest rates available.
Product: Mortgage

I do not know what to do, as Statebridge Company will not respond to the RESPA 'Fully-Qualified Written Requests ' that I have sent ( in the same envelope as monthly payments. ) I had a  XXXX   credit score a nd took out a loan to buy a house  (   XXXX   XXXX  al ). I also took out a HELOC (   XXXX   XXXX  . ) I never missed a payment until just before I was supposed to receive a   promotional {$5000.00} for not missing a payment for  five years. My loan was suddenly not online and in-branch, they could't find any information.      Statebridge Company never notified us that they were our new  " Lender, '' but  credit alerts showed a derogatory account.     I called  Statebridge and they told me that I was in pre-foreclosure, and that there 's nothing that we ca  n do. They registered us with a property management company-   XXXX   XXXX   XXXX  - w ho trespasses and registered us in a 'foreclosed property ' database, meant to reduce blight i  n   XXXX   XXXX  .
Statebridge Company charges us regular NSF fees when payments are made in guaranteed funds, they wo n't apply payments.       Every month, after sending the payment " on-time, '' the next statement always carries a fee that was n't invoiced, such as repairs (?, ) 'VAC   PROP REG, ' 'BPO, ' 'Inspections ... ' always billed the day after the grace period ends, making us late and causing more fees.
The Escrow accounts also do not add up.       HELP!!
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding zelle 's handling of disputes. particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies, my financial institution and zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I found that under section XXXX ( a ) XXXX, XXXX, and TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 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.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX have placed a remark on credit/checking account report via Early Warning Systems for three seperate remarks. They alleged that my account was closed due to account abuse. The financial institution should not have done this, as they failed to contact me or make arrangements or offer any payment plan for me to bring the accounts in good standing. Ive also submitted signed and sworn statements against fraudulent o unauthorized charges and they failed to investigate and inform me of their determination. Ive went nearly a year without receiving responses to the concerns I brought t them. They also were negligent in response times and never informed me to contacted me of any detrimental actions that were pending. Their remarks have subsequently led to several banks denying my application to open new checking accounts. For the past 12 months Ive been denied opportunities to open checking accounts thus Ive been forced to rely on XXXX for my financial purposes. I no longer have access to any brick and mortar banks and this is been very troublesome to deal with.
Product: Mortgage

XX/XX/2023 : Re- Prosperity Home Mortgage , LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX # XXXX Office : XXXX Mobile : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Arizona XXXX XXXX 

I asked for a soft pull pre-qual letter, they demanded I fill out a credit application. 
After which, they did a hard pull against my wishes, did not send a pre-qual letter. 

The property I was interested when into contract in the mean time ( broker/agent were super slow ). 
So I found a new real estate agent in the mean time ( prior agent was also a scam/ghost artist and referred me to Prosperity ), he wanted to see the pre-qual letter and loan approval contract details, lots of details, he was skeptical. 
Prosperity Mortgage sent him a pre-qual letter and a flimsy cover letter on company letter head. No loan docs, no terms, no nothing. 

Then, Prosperity stopped taking my calls. They would also not return my emails. I went to other lenders to have them look at my situation and showed them the two pieces of paper I got from them. They all laughed and said no way did I qualify for a mortgage of any type, my DTI was WAY too high, that I got scammed, and the loan app would have bounced at time of closing. They all said Prosperity has a habit of doing this and ghosting clients. 

I did more research and found same was true. See the link. 

XXXX XXXX XXXX XXXX XXXX XXXX I've made dozens of attempts to contact them. No reply. It as if the company does not exist. This company is obviously a scam doing bait-n-switch. 

I simply want my credit restored and the hard pulled removed. That's all I asked. They refused to even get back to me, they just ignored me. Now my credit is dinged, I can not get a home loan, No one wants to help.
Product: Credit reporting or other personal consumer reports

This is XXXX of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

There XXXX banks that I have savings, investment CD for many years, however, the banks let someone withdrew my money and closed it with out my knowing or permission. Moreover, how is other person able to joined my bank account without me being there? 
All of these bank, did the same thing to me. Right i call in and ask for my account, they will replied that my account have different information in my file. I also tried to asked for information and so that they can send me the information from my file, however, what i have giving some replied back as your account is closed and you need a lawyer because, now it's your personal problem. other replied, sorry your account is closed, we can't help you. What am I supposed to do if I can't get information off my my bank file? I did not closed it, it's stolen and closed it from fraud. I need help getting my information so that I can get my Identity Theft Victim complete please. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my XXXX 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, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance Owed : {$780.00} XXXX  XXXX Balance Owed : {$6200.00} XXXX XXXX XXXX Balance Owed : {$530.00} XXXX XXXX Balance Owed : {$3700.00} XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance XXXX : {$530.00} XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX XXXX XXXX Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$730.00} XXXX XXXXXXXX Balance Owed : {$6200.00} XXXX XXXX XXXX Owed : {$3700.00} XXXX XXXX XXXX Balance Owed : {$530.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  services the missed payments was not corrected on the 4 credit reporting agencies still shows XX/XX/2021 missed payments..please correct asap.. 

Documents enclosed by target red card services
Product: Credit reporting, credit repair services, or other personal consumer reports

I have incorrect information on my credit report, I have listed these accounts all below. These accounts are reporting to all three credit reporting agencies. I also, have incorrect information reporting to all three credit reports in regards to my car payment. During the pandemic my car payment aloud me to skip a couple payments and advised that it wouldn't effect me negatively and then they reported I had late payments. I have tried to deal with all these issues directly with the companies and have gotten no where and this negative information is keeping me and my children from getting housing. 

Please see incorrect info reporting to all three credit reporting companies, these accounts do not belong to me. 

XXXXXXXX XXXX XXXX XXXX Account # XXXX Amount {$720.00} XXXX XXXX XXXX # XXXX Amount {$450.00} XXXX XXXX XXXX Account # XXXX Amount {$240.00} XXXX XXXX XXXX XXXX Account # XXXX Amount {$230.00} this account below is my car payment and they are reporting me late during the pandemic and I was never supposed to be reported late. 

XXXXXXXX XXXX XXXX Account # XXXX Lates below and this was never to be reported to the credit reporting agencies, they advised it would not effect me negatively because of the pandemic. 
XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last XX/XX/XXXX to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2600.00} Inquiries Included in dispute : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX/XXXX/202
Product: Credit card or prepaid card

Basically, lower cash be left on my card. The transaction they have on my card are false transaction. I have way lower cash than expected. I want to find out any tips you can to help me. 
This problem have happened to me more than once.
Product: Credit reporting or other personal consumer reports

Violation of the Fair Credit Reporting Act occurs when entities access consumer reports for purposes not explicitly permitted under Section 15 USC 1681b. Such violations include accessing reports without a valid reason, using them for unauthorized purposes, or failing to comply with the Acts guidelines and restrictions. Bankruptcy Court doesnt report Bankruptcy to Credit Bureau . XXXX and others report, and sell personal information. This is a privacy violation even if it is invesigated as accurate. companies like XXXX offer information services that may include data protected by privacy laws, such as the Fair Credit Reporting Act ( FCRA ) in the United States. These laws regulate the collection, use, and dissemination of consumer information to ensure individuals privacy rights are respected and their data is handled appropriately. Any unauthorized access, use, or sale of such protected information may constitute a violation of privacy laws and could lead to legal consequences for the company involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 I sent certified letters to XXXX, XXXX, and TransUnion regarding derogatory reporting and incorrect names/addresses/employers on my credit reports. All three bureaus stated that the information was removed but this is incorrect. I sent additional letters on XX/XX/2022 regarding the same issues, to which their response was the same. The last attempt was sent priority first class on XX/XX/2022. My name is misspelled, there are incorrect addresses, and past employers. I have included a copy of my driver 's license, social security card, and proof of residence with no adjustments to my credit reports. There are two accounts specifically that were reporting 30 days past due and I asked for verification with no response from TransUnion, XXXX, or XXXX.
Product: Money transfer, virtual currency, or money service

Biockchain advised me on XXXX XX/XX/XXXX that a transaction of XXXX XXXX from my Crypto.com account ( available on request ) is currently under review as it has been flagged as money laundering. 
To proceed with the approval of my withdrawal they require *a copy of my current Passport ( which has been submitted and acknowledged as received ) *A refundable security deposit of 10 % to be made to a neutral block wallet The funds are currently held in the Blockchain until XX/XX/XXXX This date has been extended several times and is now XX/XX/XXXX. 
However they are now sayng that the deposit is now only 5 % which seams like a scam
Product: Payday loan, title loan, or personal loan

I took out a loan called a credit builder plus loan where I was supposed to receive {$300.00} at the end of the loan which was held in a credit reserve account. I paid the loan off on XX/XX/2023 and I still have not received my {$300.00} credit reserve payment. Every time I call to get help I am told a ticket has been created and the issue has been escalated but my {$300.00} payout still has not been processed.
Product: Mortgage

An offer was submitted in late XX/XX/XXXX for {$280.00}, the Building and safety conducted an inspection and found multiple substandard issues with the property and issued a substandard lien. The cost to remove the substandard lien was Estimated by a Licensed XXXX and factored into a revised purchase offer addenda for {$250000.00}. after a complete submission the lender countered back with the same amount of {$280000.00}. after more research it was discovered that the last XXXX conducted was on XX/XX/2016 for an amount of {$260000.00} This seems to be going nowhere and they are not very good at returning either phone calls or emails.