23daVinci/CFPB_Complaints huggingface dataset:
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 NUMBER : 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 four business days. 
To following information on my credit report is the result of identity theft and should be blocked : ACCOUNT NUMBER ACCOUNT AND FRAUDULENT INQUIRES : DATE OPENED XXXX FUNDING XXXX XX/XX/XXXX XXXX CRED XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Unauthorized and fraudulent accounts have been opened in my name without my consent. I am requesting that these fraudulent accounts be investigated and removed from my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ). I am trying to purchase a home and have been made aware of all the accounts affecting my credit. I believe someone got access to my personal information and has been using it for their personal gains. However, it is strongly affecting my ability to obtain credit and apply for a house.The accounts below do not belong to me and have been fraudulently opened in my name. I am a victim of identity theft, and someone has used my information to open the accounts below. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Under section XXXX of the Cares Act, Section XXXX ( a ) ( XXXX ) ( f ) ( I ) States between XXXX XXXX to XXXX XXXX that pursuant to the accommodation of the COVID XXXX Crisis, the furnisher shall ( I ) report the credit obligation or account as current. The payment on the following account showing late as a status are in violation of my consumer rights under the XXXX XXXX. Please update The status of these to reflect current XXXX. ) XXXX XXXX  {$200.00} XX/XX/XXXX and XX/XX/XXXX to current XXXX. ) XXXX XXXX XX/XX/XXXX to current This is also a violation of 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 

I have never received mailed notices XXXX days before the due date of any payments and if you are unable to provide tracking that I was in fact mailed this notice its a violation of my rights
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraud reporting on my personal credit profile from Identity Theft My personal information was used to open accounts on my credit profile. 
these accounts have had a very negative action on my credit profile as well and i have disputed with the reporting credit bureaus with no change to my profile because there is never an investigation into my claims even when i presented inaccurate and unverified information to the bureaus. this is my third attempt to have them remove the invalid accounts from my personal credit profile and if they fail i will seek legal actions against the XXXX reporting bureaus. XXXX, Equifax, XXXX for reporting false information on my credit profile. A report was also filed with the FTC and Local Police
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to resolve this issue with the three major credit reporting agencies since XXXX of XXXX. I had noticed that information was not reporting 100 % accurate when I had reviewed my credit report so I requested for an reinvestigation to be done on this disputed accounts. So XXXX had verified one particular account number while XXXX claimed to verify a different account number which were shorter in digits. Experian never provided results. When that happened, I went straight to the furnisher and disputed both verified accounts pursuant to my rights to do so under the Fair Credit Reporting Act under section 623. I also requested that the furnisher provide me with the original contract for the verified accounts and they failed to do so. I then gave the furnisher notice of their failure to verify the account and the letter got returned to me though my previous direct dispute letter did not. I attached it to the documents submitted with this complaint. 

When the furnisher failed to verify the disputed accounts, I reported them to the Federal Trade Commission for identity theft. After I got my FTC report notarized I sent a identity theft dispute to all three major credit reporting agencies on XX/XX/XXXX via certified mail. The tracking numbers are as follow : XXXX tracking # : XXXX ; Experian tracking # : XXXX ; and XXXX tracking # : XXXX. See attached. XXXX, Experian and XXXX all received my identity theft dispute letters no later than XX/XX/XXXX. 

According to the FCRA the credit reporting agencies were to block and delete the disputed information within four days of receiving my identity theft dispute letters but according to my most recent credit reports, the disputed account has not been blocked or deleted. XXXX claimed to have verified the account again but that is impossible when the furnisher failed to verify the account when I disputed it directly with the furnisher. XXXX also failed to do the investigation within 30 days. XXXX and Experian never sent me results for my identity theft dispute. 

This is ground for removal as they violated my rights under 15 U.S.C 1681 section 602 A which states I have a right to privacy and under 15 U.S.C. 1681 section 604 A which states they credit reporting agency can not furnish information without my written consent. The credit reporting agencies also violated 15 U.S.C. 1681c-2 ( a ) which states, " a consumer reporting agency 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 by such agency ... '' And XXXX  and Experian violated 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 15 U.S.C. 1681i ( a ) ( 6 ) ( A ) because my investigation took longer than 30 days to complete and they failed to send me my dispute results.
Product: Credit reporting

Re : Equifax. While they raised my credit report to XXXX, I disputed information. One dispute remained on my credit report and one was corrected to a " zero '' balance ; however, they changed my " grade '' on " type of credit '' from A to B and then lowered my credit report. The information should have raised my credit score not lowered. It is a systematic way of keeping your credit score lowered even though it does not warrant it.
Product: Consumer Loan

CHASE WENT ON MY CREDIT REPORTS WITHOUT WRITTEN AUTHORIZATION 3 TIMES
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$3700.00} XX/XX/XXXX XXXX XXXX XXXX {$1700.00} XX/XX/XXXX XXXX XXXX XXXX {$5400.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$12000.00} XX/XX/XXXX XXXX XXXX XXXX {$650.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$210.00} XX/XX/XXXX 15 U.S.C, 1681section 602 A. States 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 instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$650.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$650.00} XXXX XXXX  XXXX Balance : {$650.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Checking or savings account

I paid for no overdraft fees I can't access my account at all. Fake accounts possible
Product: Vehicle loan or lease

Carvana had approved me for financing and everything was approved and my vehicle would be delivered and then they turned around and informed me my approval was a mistake. They were deceptive and misleading. I applied again and even though I am approved for financing, they will not honor the financed. Also, they have discriminated against me because I put in a complaint against them and still preventing me to get financed even though I qualify.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX  XXXX  XXXX  XXXX XXXX XXXX XXXX  XXXX
Product: Money transfer, virtual currency, or money service

On XXXX XXXX 2017, a transaction of XXXX $ via CoinBase was supposed to be deposited into my checking account. The transaction still shows that it is in a " Pending State '' and I have yet to receive my funds. I have submitted an IT ticket for help, as well as called customer support and have gotten no information as to when this transaction will be completed.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Account Blocking Request Dear Experian, I am writing to formally dispute the recent decision communicated to me regarding my request to block accounts on my credit report due to being a victim of human trafficking. 

On XX/XX/2024, I received a letter from Experian requesting specific documentation, including my driver 's license, Social Security card, proof of address for the past two years, and a recent utility bill. I promptly uploaded all requested documents to your online portal at experian.com/uploads, demonstrating my eligibility for the requested account block. 

However, on XX/XX/2024, I received a letter indicating that my request to block the accounts had been denied. This decision is perplexing, considering the initial letter I received assured me that once I submitted the necessary documentation, the accounts in question would be blocked. 

I have attached copies of both letters for your reference. I respectfully demand that Experian fulfill its promise to block and delete these accounts from my credit report as initially stated. The evidence I provided clearly supports my request, and I expect a thorough review of my case in light of the documentation submitted. 

If this matter is not resolved promptly, I will escalate the issue by uploading my documentation to the Consumer Financial Protection Bureau ( CFPB ) for further assistance. 

Thank you for your immediate attention to this matter. I look forward to your prompt response confirming the blocking and deletion of the accounts in question.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to identity theft, they're a list of inaccurate items on my consumer credit report that are not associated with me. I attached my FTC report, State ID, and detailed document in regard to my claim.
Product: Mortgage

My adjustable rate mortgage was initially with New York Community Bank ( NYCB ). It was transferred to Flagstar Bank on or around XXXX of XXXX. The interest rate on my loan adjusts every year on XX/XX/XXXX. My loan amount for XXXX ( XX/XX/XXXX - XX/XX/XXXX ) was set at 3 % by NYCB. 

On XX/XX/XXXX, my loan adjusted the maximum of 2 % per year to a new rate of 5 %. My first mortgage statement received from Flagstar for XX/XX/XXXX correctly showed a 5 % rate. However, my next statement received from Flagstar for XX/XX/XXXX incorrectly shows a SECOND adjustment in as many months to 7 %. 

I have tried mu

ltiple ti mes to correct this with Flagstar waiting on hold for hours, getting cut off, transferred, etc. I have been told comments such as " Well your maximum rate is higher than 7 % so it s hould be accurate '', etc. Flagstar i s at this point intentiona lly avoiding resea
rching the issue causing me to waste hours of time, causing me severe stress, and now threating to destroy my credit. If they have made this mistake with me, they have made this with many more people.

Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. As expected, CFPB and EXPERIAN have disregarded my request AGAIN for the DELETION of the account below which is not mine. I am so baffled by this situation! You guys seem like a lot of passing the blame or no accountability. Well, whatever the reason, I'm beyond bothered. I have provided everything you need from my personal information to my FTC which I have filed, but nothing has changed. Now tell me, are you playing around?! XXXX let me inform you that you are NOT COMPLYING with the law. I reached out to the company and they agreed to delete it from my report. Pursuant of FCRA XXXX XXXX ( a ) ( XXXX ) ( XXXX ) you are required to BLOCK or REMOVE any information in my file that resulted from alleged identity theft, not later than XXXX business days after the date of receipt with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report. And where are those proofs? NONE! You have provided XXXX VERIFIABLE PROOF! I dont want to be so nasty, but please FOLLOW THE LAW! COMLY WITH IT AND DELETE THIS ACCOUNT INSTANTLY! 

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

PLEASE REMOVE ALL FRAUDULENT INQUIRIES ON REPORT SUCH AS XXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX. THE COMAPNY WILL NOT REMOVE EVEN THOUGH I HAVE DISPUTED IN THE PAST AND STILL DENIED MY WHICH IS 18 USC 1028 A - AGGRAVATED THEFT. PLEASE REMOVE IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I've RECENTLY BEEN MADE AWARE of a wonderful law that exists to help me close this awful chapter in my life. For which I have been fighting you people for years to removethe following blemishes on my consumer files due to being a victim of XXXX the information listed below, which appears on my consumer reports is the result of that XXXX ... ITEMS TO BE BLOCKED 1. LATE PAYMENTS ON XXXX XXXX XXXX # XXXX ( INACCURATE REPORTING OF REPOSSESSION ) CURRENTLY IN POSSESSION OF VEHICLE AND LOAN IS PAID IN FULL REMOVE LATE PAYMENTs 2. XXXX XXXX XXXX XXXX # XXXX Block & Remove XXXX XXXX XXXX REMOVE LATE PAYMENTS ACT # XXXX PLEASE BLOCK THIS INFORMATION FROM MY CONSUMER REPORTS WITHIN FOUR BUSINESS DAYS ACCORDING TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. 
Please send me a Notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX PLEASE GET IN TOUCH WITH ME AND ALSO UPDATE MY CURRENT MAILING ADDRESS XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This collection corporation is doing business as EOS CCA. When communicating with me, they did not indicate that they did not have a licenses in the State of Florida to conduct business. At this time, I desire to sue them, in the State of Florida for false representation of their license. As such, they have illegally obtained my Social Security Number under the State of Florida. On top of that, they have illegally obtained my social security number under Federal Law.
Product: Checking or savings account

Failure to provide funds on time reporting inaccurate late payments to my credit report as I have multiple accounts with capital one car loan and credit card as well as a checking account
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an auto loan XX/XX/XXXX through XXXX. I had always paid the loan on time and even was paying more than the amount that was due. I paid extra in XX/XX/XXXX which bumped the due date for my next payment to XX/XX/XXXX. XXXX sent my auto loan to collections as a charge off in XX/XX/XXXX. They never notified me before sending the account to collections. XXXX had even reported to the credit reporting agencies that I had never had any late payments and payment was current and up to date. I called XXXX multiple times and spoke to them on the phone for many hours after finding out about the charge off. I was told by the XXXX bankruptcy department that even though my account was current and not late, it had been charged off due to account inactivity and there was nothing they could due to correct the information. I paid off the account and now, over 2 years later, it is still showing up on my credit report as a charge off. I contacted them recently to try to resolve the issue again, but they responded that they have insufficient information to investigate the problem. I have screen shots and my checking account statements to support my information, but all my auto loan statements are mysteriously missing since XX/XX/XXXX and I have no access to them. I also have phone recordings of my conversations with the XXXX bankruptcy department that can verify this information.
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Phone number : XXXX XXXX His address is XXXX, XXXX Both XXXX and XXXX XXXX maintained contact. All our correspondences in is still in my XXXX chat. 
Subsequently other demands were made : this money she promised to repay with assurance from XXXX who was acting as her liaison. 
Payments made to XXXX. XXXX XXXX. 
XX/XX/XXXX {$2500.00} [ XXXX Cashiers Check # XXXX XX/XX/XXXX {$1100.00} [ Payment by XXXX XXXX ] XX/XX/XXXX {$2800.00} [ payment by XXXX XXXX ] XX/XX/XXXX {$2000.00} [ XXXX XXXX XXXX through Navy Federal Credit Union ] XX/XX/XXXX {$1500.00} [ XXXX XXXX ] On XX/XX/XXXX, my XXXX account was hacked. All my contacts were requested to send amounts ranging from XXXX ( XXXX, XXXX XXXX ) to XXXX. My niece was one of those that received the request for XXXX. She was told that my senior brother has emergency and I needed the money to pay deposit for hospital bill. Thank XXXX, a friend was on the phone when this was going on. She told him that they needed to hang up because her uncle just requested money on emergence. The young man asked if her uncle has ever told her a family member was sick. When she said No!, the guy asked that last time she spoke with her uncle ( me ) and she said the day before. He told her that was a hacker. That she should call me immediately, before sending any money. That call came at XXXX XXXX California Time. When I picked the phone in panic she asked if I sent her a message requesting money. When I said I did not, she told me my XXXX ( XXXX ) account has been hacked. 
She proceeded to post on my site warning all my friends that MY Account has been hacked and that they should not give money to Hacker. Some friends were in the process of sending the money when they received the Alert. 
Two days ago a XXXX XXXX XXXX XXXX ( probably fake name ) with phone number that was contacting me as XXXX. XXXX XXXX ( XXXX ) reached out to me and told me that a XXXX XXXX XXXX XXXX [ Phone number XXXX was the person that hacked my account and was the person posing as XXXX. XXXX XXXX. He also said that the hacking was carried out in XXXX, XXXX XXXX, XXXX. *** I have pictures and all the chats resulting from these conversations. 
My major concern is to stop these hackers given their boldness and all the Accounts they operate in the United States especially through the Navy Federal Credit Union, using the name of a possible true XXXX. 
Please if you need further assistance from me, I will be very glad to provide. 
PLEASE HELP STOP FURTHER DAMAGES FROM THESE HACKERS. YOU CAN SEE THAT THAY ARE VERY CCONNECTED IN THEIR NETWORK.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom or what this may concern, but the information on my credit report is completely inaccurate. Equifax shows on page 4 & 5 that I don't have a credit card balance for XXXX on XXXX or XXXX. On page 6, it shows that my date of last payment was XX/XX/XXXX but the delinquency shows it started on XX/XX/XXXX ; which is contradictory, the payment history says I paid on time in XXXX. The report shows that my charge off is not present after XXXX, XXXX. XXXX  and XXXX  have different information as well. XXXX  shows my last payment was made on XX/XX/XXXX on page 1, but as you look on page 2 it shows a payment was made. XXXX  will not even let upload my documents for some reason. I send emails and I don't get a response. 

PS my original student loan account shows that it was paid and closed on all 3 bureaus, so the XXXX account should not even exist.