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

Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance regarding an urgent matter related to my credit report. I have recently discovered 14 hard inquiries on my credit report that were not authorized by me and appear to be the result of fraudulent activity. 

I have sent letters to each of the three major credit bureausEquifax, XXXX, and XXXXrequesting the removal of these fraudulent inquiries. However, I have not yet received any confirmation regarding the status of these requests or any resolution to this issue. 

These unauthorized inquiries are negatively impacting my credit score and, consequently, my ability to secure credit and financial opportunities. I understand that under the Fair Credit Reporting Act, I have the right to dispute inaccurate information on my credit report, and I am keen to see these items removed within the prescribed timeframe. 

Could you please provide me with information about the process for resolving this issue? Specifically, I would like to know : 1. What steps are being taken to address my concerns?

2. Why have these items not yet been removed from my credit report?

3. What is the timeline for their removal? 

I appreciate your attention to this matter and look forward to your prompt response. It is my hope that these fraudulent inquiries can be removed within the next 30 days to prevent further damage to my credit score. 

Thank you for your assistance.
Product: Debt collection

TODAYS DATE:XXXX ATTENTION DISPUTE DEPARTMENT CREDIT COLLECTION SVCS XXXX CREDIT COLLECTION SVCS XXXX CREDIT COLLECTION SVCS XXXX CREDIT COLLECTION SVCS XXXX CREDIT COLL XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have report your company to XXXX As a form of record and I am prepare to sue your company XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1982 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of unauthorized accounts and inquiries listed on my credit report. As a victim of a data breach, I have reason to believe these accounts and inquiries were made fraudulently and without my authorization. Pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I request that these items be promptly blocked and removed from my credit file. 
Fraudulent 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint against transunion for accounts that were reporting inaccurately. I filed this complaint through cfpb and also sent dispute via fax and mail. The complaint was filed XXXX  complaint # XXXX and below is the response from XXXX. 

" In response to your request, the following actions were taken on your credit file : You disputed the following accounts and/or public records on your credit file. Below includes the results of that investigation. -VERIFIED AS REPORTED -VERIFIED AS REPORTED NCB MANAGEMENT SERVICES-VERIFIED AS REPORTED CREDIT ACCEPTANCE CORP-UPDATED USBK COURT NORTHERN OHIO-DELETED FIRST NATIONAL CREDIT CA-VERIFIED AS REPORTED CONTINENTAL FIN CO-VERIFIED AS REPORTED FIRST PREMIER BANK-UPDATED CROSS RIVER BANK/SEED-UPDATED SELF FINANCIAL INC/ LEAD BANK-UPDATED '' There are many issues I have with this as this information isn't accurate and is hurting my credit, reputation and ability to purchase a home for my family. They reported the following accounts as reporting-VERIFIED AS REPORTED. I don't believe that anything was investigated and I would like to know the method of verification. I am not asking for another investigation I am asking that this information be removed IMMEDIATELY from my report due to this information is still inaccurate and reporting incorrectly and illegally. 

Account Name : XXXX XXXX XXXX Account XXXX -This account is reporting as an XXXX '' account. XXXX is reporting this account as opened. Obviously, an account that has been sent to collections should not be listed as an " XXXX '' account. Because of this apparent neglect in assuring everything in my report is accurate, consistent and up to date XXXX '' this item. 

They Stated that XXXX XXXX XXXX Ohio was deleted but it is still showing on my credit report. 

The time for updating is over and I want these items deleted not updated. 

I have attached my disputes from the previous complaint and my Id documents. Once again I am not asking for an investigation, I am demanding that these items be deleted immediately due to no method of verification was provided and also illegal and inaccurate reporting.
Product: Debt collection

PHH mortgage mailed an escrow statement on XXXX, XXXX according to their website. We received the escrow statement on XX/XX/XXXX. The statement was indicating that the escrow account had a shortage of {$4100.00} dollars. The document went farther to provide two options : 1. Increased my monthly payment by the next 48 months by almost {$200.00}. 
2. Pay a lump sum and my payment only goes up by {$100.00}. 

{$410.00} was coming out of my monthly payment XXXX mortgage and I do not understand the shortage because 12 months of XXXX does not equal XXXX dollars. 

1. I should not have to pay anything except for my normal monthly payment because the escrow should not be short. 

2. If I am forced to pay the balance ; then I need an option three where I pay the balance in full within a 3-5 month period instead of a few weeks.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, Name : XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15 U.S.C 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately : Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX  Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX  Account Number : XXXX Reason : I don't recognize this account Thanks, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Someone has access to my personal information and is ruining my credit. I have no knowledge of what or who this could be. I filed an FTC report and sent an Identity Theft Victim 's Complaint and Affidavit, notarized with certified return card. I haven't gotten any mail notifications from the Equifax from my previous complaints filed here and sent through certified mail.
Product: Student loan

To whom this may concern, out of no where 10 accounts have been added to my account of an alleged debt that I have never received by letter or never heard of the amounts that have been added to my consumer report. I im requesting under the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is not a request for verification or proof of my mailing address, but a request for Validation made pursuant to above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. I also demand that you delete the alleged debt off of my credit reports. This is also violating 20 Ferpa Act 1232g ( b ). I did not authorize to disclose the alleged debt on my student loan information to Nelnet. I am now concerned about the privacy of my student loan information. I do not want any other third party to have access to my student loan information without my consent. I am requesting an investigation on this matter and steps to prevent the unauthorized disclosure of my student loan information in the future. I would also like to be reimbursed for any costs if in fact the alleged account is mine that I incurred as a result of this unauthorized disclosure to another third party company.
Product: Credit card or prepaid card

On XX/XX/2020, I placed an order through the Internet for a transmission for my truck with XXXX XXXX in Florida. The cost was {$1900.00}. They requested the full payment. I put {$1500.00} on my XXXX XXXX and the remaining balance of {$480.00} on Capital One. 
XXXX XXXX said it would take a few weeks. When I did not receive it as promised, In XXXX, I phoned them numerous times to find out about the delay. Each time, they gave me a new date. It arrived in XXXX, and I had it professionally installed. The truck could not be driven because the transmission did not have a forward drive. I phoned them to complain and was told they would fix it, but I needed to pay {$390.00} for the warranty. Also, I needed to send them the transmission core from my truck. When I refused to do this, I was instructed by XXXX XXXX, their Customer Loyalty Specialist, to ship the transmission back to them. I sent an e-mail to her on XX/XX/XXXX stating the reason for the return. She provided the shipping information, and I shipped it back on XX/XX/2020. I have a copy of the XXXX XXXX XXXX Bill of Lading and XXXX  XXXX  confirmed on the phone that it was received in XXXX. 
Because my truck had been out of commission for seven weeks, I had the XXXX transmission shop in XXXX XXXX rebuild my transmission. I paid them {$3500.00}. 
I contacted both XXXX  and Capital One and explained that I had returned the defective transmission to XXXX  XXXX. They credited my account. However after sixty days, Capital One put the charge {$480.00} back on my bill. They told me to contact XXXX  XXXX which I did numerous times. They said the problem is with Capital One. I have been volleyed back and forth without results. I contacted both of them on XX/XX/XXXX. Now XXXX XXXX claims they did not receive it back, and Capital One refuses to credit my account.
Product: Debt collection

T Hello, My name is XXXX XXXX. I'm writing due to inaccurate information that has not been removed from my credit. I am trying to obtain a house and a car to provide for my family and this is hindering the process to a complete halt. This information on my report is not accurate and should not reflect on my account. I have tried multiple times to receive original proof you guys have showing a physical signature was provided to obtain such accounts which is required. I know the laws, but will not post them in risk the validity of this letter will be compromised. 

1. The following account is not mine XXXX XXXX  Account Number : XXXX REMOVE the inaccurate information from my credit report. 
2. The following account is not mine XXXX XXXX Account Number : ************** REMOVE the inaccurate information from my credit report. 

I have a young daughter and she does not deserve to be affected by this false information that has been reported to my account. We currently are XXXX and do not have a way around the XXXX  XXXX Arizona unfortunately has to provide. 

These accounts are disastrous to my life and the fact they are not even accurate is the worst part. My home was broken into around XXXX as Arizona State police records will show and I strongly believe thats were these accounts came from. I beg that you reconsider your judgement as I am relentless in getting these unfair demoralizing debts removed. Thank you. XXXX XXXX XXXX XXXX
Product: Student loan

I asked Navient to submit my past payment information to a forensic accountant/lawyer who I hired to review the charges to my account and they have refused to do that. 

I make payment for almost 14 years well beyond the due amount every month for years, which should have cost the balance to drop, but it has not. I want this forensic to compare the payments I did from my bank accounts to this company and make sure I have not been taken advantage. Navient, which is former Sallie Mae has refused to do so. 

I want all the information to be sent to XXXX XXXX
Product: Credit card or prepaid card

I have asked Care Credit to send me a replacement card, as my other card was destroyed. I have made this request now on XXXX seperate phone calls and XXXX emails. Everytime I call they say they will send out a card, however it is now 2 months later and they still have not sent me any card. The last time I called the man said there was a techinical error and put me on hold for XXXX hours. 
It is now 2 months I have not had a card, nor have they sent me a new card. 
I am requesting my new care credit card be sent to me asap. as my old card was destroyed. 
my social is XXXX XXXX XXXX
Product: Checking or savings account

I opened a checking account with M & T Bank via XXXX banking on XX/XX/year>, and a deposit was made on my behalf on XX/XX/year> in excess of {$8200.00} via cash and multiple checks made payable to me. Within a day or XXXX following deposit, M & T called to tell me that I needed to supply a New Jersey state-issued photo ID. I do not have the latter, have no driver 's license, have no car, do XXXX XXXX, am XXXX and housebound. I informed M & T of all this. They told me the account was closed and that I would receive a refund of my XX/XX/year>, deposit via mailed check. 

After waiting XXXX and one-half weeks, I phoned M & T to ask about the refund check. I was told that no check had been mailed and that the account was frozen. I was told that in order to regain my funds I need to present a XXXX XXXX ID in person at a branch. I once again explained my XXXX to them and was told " that's our policy. '' I vigorously remonstrated with this and asked what else I could do to reconcile the problem, but they hung up on me.
Product: Credit reporting or other personal consumer reports

LATE PAYMENTS BEING REPORTED DUE TO FRAUDLENT ACTIVITY not done by me. I had two credit cards with Capital One, during my military XXXX these cards were closed due to " fraudlent activity '' I was only notified of this after applying for a home loan, I called capital one numerous times since I became aware of the situation to try to rectify the situation over a period of months, every time I call the customer service line I get a different story. I was told my account was not closed to fraud but due to returned payments to which I never received any notices of any account closures or returned payments. I am IN THE MILITARY XXXX FIGHTING FOR THE COUNTRY and no help has been extended to me to fix the situation then I was told an investigation was done an there was nothing I can do and their decision is final. One representative told me that if I pay the accounts off in full the derogatory information ( late payments ) would be removed and the account would remained continue to be closed, this was not the case and was a complete lie after I paid in full. My credit report still shows XXXX 30 day late payments and XXXX 60 day late payments. I called them to do as they promised, I was told that the only way payments in full would be requested if I wanted to reopen credit cards and that information that the representative shared with me was wrong and I can file a complaint internally but the late payments would remain. my question is how can I be responsible for charges and late fees that was considered fraud but then they say my account status changed and my account was shut down due to returned payments, to which I wasn't notified of this either. This is destroying my credit. I have paid the closed balances off in full and they are insistent on reporting fraudlent late payments, it is not my fault that their customer service representative was not properly trained and gave out improper information. I am requesting that Capital One remove any accounts from my credit report, completely or remove the fraudulent late payments. It provides them no benefit to report this since I caused them no loss and paid the accounts in full.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the following fraudulent accounts and inquiries from my credit report. I am a victim of a data breach, and these accounts were created without my authorization. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that these accounts and inquiries be removed immediately. 
Fraudulent Accounts : XXXX XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$410.00} XXXX. XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$46.00} XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1100.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$420.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$410.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$1300.00} Fraudulent Inquiries : XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
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 XXXX XXXX debt XXXX, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as Self-attestation letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding inaccurate information on my credit report that has not been addressed despite my prior attempts to correct these errors directly with the credit bureaus. My credit report currently lists several inquiries, addresses, employment history, and name variations that are incorrect and were not authorized or associated with me. Specifically, I am seeing addresses where I have never resided, outdated employment details that do not reflect my current or recent work history, and name misspellings that create confusion and suggest identity inaccuracies. Additionally, there are unauthorized inquiries that I did not initiate, which may have been added without proper verification. I believe this incorrect reporting is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to maintain accurate and fair reporting.