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

I am writing this letter in response to the information provided in my credit report. Pursuant to 15 USC 1681e ( b ), I am exercising my right to dispute the accuracy of the information contained in my credit report. 
I have reviewed my credit report and found that there are errors and inaccuracies that need to be corrected. Specifically, [ describe the errors or inaccuracies in detail, including the account name and number, and any other relevant information ]. I have attached copies of supporting documents that prove the inaccuracies in my credit report. 
According to 15 USC 1681i ( a ), the credit reporting agency has 30 days from the receipt of my dispute to investigate and correct any inaccurate information. I request that you investigate and correct the inaccurate information in my credit report as soon as possible. 
Furthermore, I also request that you provide me with a written report of the results of your investigation, as well as a copy of my updated credit report. If you need any additional information from me, please let me know. 
I would like to remind you that it is your legal obligation under 15 USC 1681e ( b ) to ensure that the information in my credit report is accurate and up to date. Failure to comply with these code compliance procedures may result in legal action. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX
Product: Credit card or prepaid card

Purchase a 1 year Service contract with a merchant in XX/XX/XXXX. Contract ends in XXXX, and merchant locks my account and disable me to get access to the service that I purchased. Submitted evidence to Chase to reopen my dispute. Yet, Chase ignore all the evidence that I submitted while provides NO EXPLANATION or FEEDBACK! They just closed my dispute case without any communication!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. there is some inaccurate information reporting. XXXX XXXXXXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 2. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX
Product: Credit reporting

There is an address on my credit reports that I have never lived at. It is XXXX XXXX XXXX XXXX XXXX Me XXXX. There is an incorrect birthdate of XX/XX/XXXX on my credit reports. There is a spouse on my credit report named XXXX and I have been divorced since XX/XX/XXXX and he is dead. There is a incorrect social security number on my credit reports of XXXX. There are several misspellings of my name due to typing errors that I want removed. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. There ard phone numbers that are not mine on my credit reports, XXXX, XXXX, XXXX.
Product: Debt collection

In 2011 XXXX investigated this debt from XXXX XXXX and it was found to be not valid due to the inability of National Fuel to produce any bill that was in my name. Contract Callers Inc. is now calling on a daily basis stating it was my debt. I asked them for supporting documentation from National Fuel to verify the debt and they told me I could call them and verify the debt. I told them if they could not provide verifying documentation, they would need to cease and desist from any collection activities according my rights under the FDCPA. They refused to produce the supporting documents and said all they had to provide to me was a statement, written by them, stating that they were collecting a debt for National Fuel.They also told me that this debt was on my credit report. This debt is not on my credit report because it was removed once the XXXX XXXX XXXX XXXX XXXX found that it was an unverifiable debt. The harassment and strong arm tactics of trying to get me a pay a bill I am not, nor never have been responsible for is completely unfair and is infringing on my rights as a debtor.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights, 15 USC 1681 Section 602 states I have right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A Creditor May not treat a payment on a student loan account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I DID NOT AUTHORIZE THIS INQUIRY
Product: Credit reporting or other personal consumer reports

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX SSN : XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX To Whom It May Concern ; The reason for this letter is to dispute an unauthorized inquiry on my credit report. 

Made by your company XXXX on XXXX. 

Made by your company XXXX on XXXX. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history. Therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( a ) : Permissible Purposes of Consumer Reports as well as Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you are in possession of any documentation bearing my signature that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy be sent to my address listed above. 

For the sake of clarity, I will not accept any documentation that does not bear my signature authorizing you to make an inquiry into my credit file. Otherwise, anyone having stolen my identity could be behind this unauthorized inquiry. And YOU would be in violation of the Fair Credit Reporting Act. 

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

Accordance with the fair credit reporting act XXXX XXXX XXXX # XXXX, XXXX # XXXX, has violated my rights 15 U.S.C 1681 section 602A states I have the right to privacy. 

15 U.S.C 1681 section 604A section 2 it also stated a consumer reporting agency CAN NOT furnish a account WITHOUT my written instruction.
Product: Debt collection

IN RESPONSE TO CFPB : XXXX MIDLAND CREDIT MANAGEM XXXXXXXX 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 MIDLAND CREDIT MANAGEM XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXX XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/1982 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I Received an alert that someone tried to use my identity to apply for a Chase Bank card. I contacted Chase Bank immediately after and disputed the inquiry. I spoke with Chase Bank SEVERAL times and was promised by THREE DIFFERENT PEOPLE that this inquiry would be removed back in XX/XX/XXXX. As of today, XX/XX/XXXX, the inquiry still has NOT been removed from my credit report. I have attached the letter from Chase stating it would take only 8-10 weeks to remove the inquiry but its been over six months. 

Creditor : XXXX XXXXXXXX Inquiry date : XX/XX/XXXX Inquiry removal : XX/XX/XXXX Category : Bank Credit Cards Address : XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX
Product: Debt collection

Portfolio recovery agency purchased two of my debits owed from a credit card I defaulted on. Portfolio recovery agency filed to take me to court to sue me but they offered me a settlement and I accepted and paid it before the court date. I also made an arrangement and paid the second account they had of mine as well. In XXXX the two accounts were being reported on my credit report with a balance so I disputed it stating that the balance was wrong and that I paid the full settlement we agreed upon and asked it to be removed from credit report. Portfolio recovery agency responded back to the dispute and put it as a new negative account on my credit report and listed the amount owed as the full amount and dropped my credit score 50 points. I have the proof it was paid as we agreed but they wont remove it and are listing it as new again for the full amount.
Product: Mortgage

I have been having problems and disputes with XXXX XXXX and Select Portfolio Servicing , Inc ( SPS ) since 2011. I have just written a long letter to SPS that thoroughly explains some of what I have been through in the past XXXX years. I accepted the XXXX modification in 2011 because I felt I had no choice. XXXX dragging out the modification process for XXXX months has no reasonable explanation. The modified amount of {$550000.00} was quite high. There are many details contained in the XXXX page letter that will give you a very good picture of what I have gone through.
Product: Credit reporting or other personal consumer reports

The following debt collection companies thats currently listed on my XXXX XXXX, XXXX and Experian credit report has been using abusive, unfair and deceptive practices and tactics to collect a debt on accounts thats not my account or debts and is the result of identity : XXXX XXXX XXXX, {$140.00}, XXXX XXXX {$500.00}, XXXX XXXX {$640.00}, XXXX XXXX XXXX XXXX, {$700.00} and XXXX XXXX XXXX, {$3800.00}. The above debt collection companies is in violation of the Fair Debt Collection Practices Act ( FDCPA )
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

At Chase Bank I made a mobile deposit for {$580.00} from one of my tenants on XX/XX/2024 I immediately got a message that there would be a XXXX hold for the funds on XX/XX/XXXX there was a striction put on the count because of the numerical box on the check was overwritten. I overwrote the numbers to make it more clear for the mobile deposit it's not that difficult and it wasn't unclear once I overwrote on it. The fraud department insists that they verify the check through their telephone verification system. My tenant who wrote the check most likely does not have that same number since he's been with that bank for a number of years XXXX. The check has already cleared with XXXX and it says the money is available on my mobile app with Chase but now this fraud they said that it looks like the check was washed. I told them what I did to the check. And we're not sure how we're going to verify the maker of the check if they won't accept any other phone numbers they won't accept an ID and a copy of the paid check from XXXX already in their mind it's going to be held for XXXX years by the state and it'll be quite some time before I can get my money. I spent hours talking to the fraud department supervisors and tomorrow I'm making a trip and talk with the branch manager perhaps she can help.
Product: Mortgage

We requested Ocwen to provide documentation to show that Ocwen has the authority and standing to collect the debt and to administer any resulting foreclosure for property address, XXXX XXXX XXXX, XXXX, Tx XXXX. All of the documentation provided by Ocwen shows that Ocwen is the servicer for property address XXXX XXXX XXXX XXXX, XXXX XXXX, Tx XXXX. Ocwen has failed to provide any evidence that they have the standing and authority to enforce a servicing agreement for our property address, XXXX XXXX XXXX, XXXX, Tx XXXX. 

Ocwen states that the loan origination for the loan they are servicing was on XXXX XXXX, XXXX for property address XXXX XXXX XXXX XXXX, XXXX XXXX, Tx XXXX. Our loan was originated on XXXX XXXX, XXXX. Ocwen has failed to show that they are authorized to collect the debt and to administer any resulting foreclosure of the property address XXXX XXXX XXXX, XXXX, Tx XXXX. 

We would like Ocwen to provide documentation to show that they have the authority and standing to collect the debt and to administer any resulting foreclosure for property address, XXXX XXXX XXXX, XXXX Tx XXXX. 

As Ocwen states the property address they have on file for us, which is XXXX XXXX XXXX XXXX, XXXX XXXX, Tx XXXX, does not match our primary address which we occupy, which is XXXX XXXX XXXX, XXXX, Tx XXXX. 

According to Ocwen, there is no single investor of our loan. Our loan is supposedly XXXX of many in a securitized investment trust. This securitized investment trust was contractually closed from conducting business after the closing date of XXXX/XXXX/XXXX. I am not sure how Ocwen can legally update our property address at this point and time. 

We would like for Ocwen to file a Deed of Reconveyance, release any and all liens on our Real Property in the land records office in XXXX XXXX with the legal description Lt XXXX XXXX XXXX Sec XXXX and Satisfaction of Mortgage on our mortgage because Ocwen does not have an enforceable note or mortgage with XXXX and XXXX XXXX because we do not and have not ever lived at XXXX XXXX, TX XXXX, which is the property address listed in Ocwen 's records.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. Fradualent attempts to open a line of credit using my personal information. I have sent XXXX act letter to XXXX, XXXX and XXXX to remove the hards inquiries on my account. Reached out to the creditor to remove and inquiry from my account sent final letter XX/XX/XXXX to remove. No response, please remove inquiry from credit report.
Product: Debt collection

I did authorize to consent nor benefit from the listed account ( XXXX ). Block and Remove
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep receiving notifications from my credit monitoring service, that my score SEVERELY decreased due to missed payments on my car loan. Although I HAVE NOT missed ANY payments, XXXX XXXX has reported I have missed my payments for 4 months! I called XXXX XXXX and they told me to dispute it, then they would correct it! I did and NOTHING was updated and/or corrected! I have NEVER paid 30 days late and according to FCRA and 15 US Code 1666b, inaccurate information must be removed and deleted immediatley! I have disputed the inaccurate information EVERY month since XX/XX/XXXX - present, which has been WELL OVER 30 days for XXXX XXXX to correct it! Now, I feel I need to SUE becuase I am very distressed that they have reported late payments/past due info in my credit profile due to damaging effects on my credit standing! 

Also, I purchased this vehicle in XX/XX/XXXX and I have only had the vehicle in my possession for 6-7 months! The remainder of the months it was in the REPAIR SHOP with MAJOR issues, icluding leaking GASOLINE inside of it, which has also caused me to now have XXXX XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I submitted XXXX FTC Complaint reports XXXX on XX/XX/XXXX and second one on XX/XX/XXXX because the first one was ignored by the bureaus I am a victim of identity theft and someone is using my information to open up fraudulent accounts in my name. They need to delete these accounts, addresses and inquiries they are FRAUD. The bureaus keep just adding remarks and removing them and closing accounts after I have requested countless times for them to investigate these accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as latte for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I tried several times to have my loan with XXXX resolved after they unfairly repo my vehicle on XX/XX/XXXX, fortunately, recent my Attorney general from the state of California announced that a settlement has been reached and XXXX has agreed to remove all negative information from my credit report and completely paid off any amount of money that was owed to them, I tried to speak to someone at XXXX but they have not answer nor return my call. 

Please see the below as a reference XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California Attorney General XXXX XXXX today, along with a coalition of 33 other attorneys general XXXX announced a multistate settlement with XXXX XXXX XXXX XXXX ( XXXX ) that includes over {$550.00} XXXX in nationwide relief for consumers XXXX California consumers will receive over {$99.00} XXXX of that amount. 

As part of the settlement, XXXX will provide over {$99.00} XXXX in relief to thousands of California consumers who XXXX approved for its abusive high-cost loans. Consumers with the lowest quality loans who had defaulted as of XX/XX/XXXX, and have not had their cars repossessed, will be allowed to keep their car and have any deficiency balance on the loan ( up to a total value of {$45.00} XXXX in deficiency waivers nationwide ) waived. XXXX will also waive the deficiency balances for certain defaulted consumers across the country, with approximately {$430.00} XXXX in immediate forgiveness of loans still owned by XXXX, and additional deficiency waivers of loans that XXXX no longer owns but is required to attempt to buyback.
Product: Checking or savings account

Funds were released Wednesday and still dont have funds on Friday. Receiving late fees and shut offs because funds were not deposited. Shouldnt be punished for Cap one and XXXX for their issues thats causing consumers to suffer.
Product: Credit reporting or other personal consumer reports

I have made several attempts to request deletion regarding these inquires on my account. I was attempting to reach out to XXXX for assistance. I used the number on XXXX, however, it was a scam. The caller made me download XXXX and took control of my phone. I verified my ssn thinking it was XXXX assisting me. They took my ssn and ran things in my name. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX ran my credit without my permission back on XX/XX/XXXX, and they used Corelogic Credco to do it. I reported XXXX XXXXXXXX XXXX to the CFPB on multiple occasions in XX/XX/XXXX/XX/XX/XXXX, and  they said they would have Corelogic Credco remove the hard inquiries. Corelogic Credco was supposed to have the hard inquiries removed from my report all the way back in XX/XX/XXXXof this year, but they haven't. XXXX still has the hard inquiry from them. I contacted Corelogic Credco on XX/XX/XXXX, and they said I needed to submit a written request to them to give to XXXX  to remove the hard inquiry. I sent it via email ( Corelogic Credco said it was acceptable ), but over a month later, the hard inquiry from XXXX  is still on my report, and I've been dealing with the whole situation for over half a year. Attached is the email I sent in XX/XX/XXXX