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 NUMBERXXXX ) 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 : Inquiries : XXXX XXXXAs required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Payday loan, title loan, or personal loan

In XX/XX/2021, I entered into an installment loan with XXXX XXXX for {$1400.00} to be paid in semi-monthly payments of {$120.00} ( {$240.00} per month ). I made several payments and realized the balance was NOT decreasing, but instead increasing. I read through my contract and noticed the interest rate is 168.98 % - FAR beyond the legal limits for non-bank loans. My balance is currently {$2200.00}. 

Unfortunately, I've been unable to determine what the interest amounts calculate to per month because they've never issued a statement and there are no statements available to view online. I have attached screenshots of the empty Statements page. 

The state of Maryland interest rate cap is 33 % for consumer loans. It seems XXXX is violating state of Maryland Laws. I am requesting that the CFPB investigate XXXX 's lending practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent Certified letters to all XXXX credit bureaus to have this bankruptcy removed from my credit report and I have received the same response " This item has been verified through a third party reporting agency " I have a letter from the US District Court stating they do not verify to anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first 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, NJ XXXX XX/XX/XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I am trying to work on a short sale. Home owner has been FORCED to relocate to  XXXX  PA from  XXXX  PA - abou t 230 mile  relocation.     This   XXXX   XXXX   loan is service  d by PNC. PNC stated that since the home owner is current on the loan - the short sale request has been denied.
The homeowners have struggled financially and just made a loan payment ( with the IRS tax refund they received ) to get caught up.   They do n't want to see their credit suffer.     I would like this file to be reconsidered for a short sale.
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc violations attach documents also attached the violations committed
Product: Checking or savings account

I have deposit a check for {$550.00}. 
The bank release a {$200.00} next business day. The rest {$350.00} was on hold for 8 business day. 
So I call the bank, they told me that is their policy. When I deposit, they should let me know on hold for 9 business days. Instead they just say it will be on hold. Since I need the funds to pay for expenses, I don't have any to spend, so I called the bank and told me to wait until it release.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my 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
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are invalid and unverified, they were placed in my file without proper verification or authorization in accordance with sections 609 & 611 of FCRA I SUBMITTED DISPUTES ON XX/XX/XXXX ( NO ACTION FROM BUREAUS/ RESUBMITTED 2ND TIME XX/XX/XXXX Rent Recovery # XXXX was disputed on XX/XX/XXXX it is a collection account that is not mine under FCRA section 609 I requested a copy of the document with my original signature, it has not been produced thus far and i have had no communication with this company whatsoever to establish or acknowledge this account/debt information XXXX XXXX # XXXX was disputed on XX/XX/XXXX it is a collection account that is not mine under FCRA section 609 I requested a copy of the document with my original signature, it has not been produced thus far and i have had no communication with this company whatsoever to establish or acknowledge this account/debt information. 

XXXX XXXX XXXX XXXX # XXXX was disputed on XX/XX/XXXX it is a collection account that is not mine under FCRA section 609 I requested a copy of the document with my original signature, it has not been produced thus far and i have had no communication with this company whatsoever to establish or acknowledge this account/debt information. 

XXXX XXXX # XXXX was disputed on XX/XX/XXXX it is a collection account that is not mine under FCRA section 609 I requested a copy of the document with my original signature, it has not been produced thus far and i have had no communication with this company whatsoever to establish or acknowledge this account/debt information.

the following Inquiries are on my account in violation of section 611 and I gave no consumer consent to these companies and therefore no permissable purpose exists : XX/XX/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 XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I need to inform you that I have recently discovered unauthorized accounts opened in my name, which I believe to be the result of identity theft. In accordance with the guidelines outlined by the Federal Trade Commission ( FTC ), when an FTC identity theft report has been filed with a law enforcement agency ( which the FTC itself is ), the established protocol is to abide by the law and conduct a thorough investigation. I am requesting your immediate attention to this matter and the closure of the fraudulent accounts listed below : XXXX XXXX XXXX XXXX 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 I have attached a copy of my XXXX theft report to authenticate my claim. I am requesting that you immediately close the fraudulent accounts listed above. I understand the seriousness of identity theft and its impact on both the victim and the creditor. I expect your full cooperation in resolving this matter promptly and professionally. 
I appreciate your immediate attention to this critical issue and your assistance in rectifying the fraudulent accounts.
Product: Payday loan, title loan, or personal loan

ON XX/XX/2018 I TOOK OUT A PAY DAY LOAN FOR $XXXX FROM NET CREDIT. NetCredit Attn: XXXX XXXX XXXX XXXX XXXX XXXX XXXX., XXXX XXXX XXXX, IL XXXX Phone: (XXXX) XXXX Email: XXXX   Fax: (XXXX) XXXX   XXXX THEY ALSO HAVE AN ADDRESS AT XXXX XXXX XXXX, XXXX, TX 75063 AND PHONE NUMBER XXXX. I WAS UNABLE TO MAKE THE PAYMENTS BECAUSE NET CREDIT WAS ADDING OUTRAGEOUS FEES AND INTEREST TO EACH PAYMENT.  I WAS UNAWARE OF THEIR PROCESS.  

AS A RESULT, MY INITIAL AMOUNT THAT I OWE OF $XXXX HAS SKYROCKETED TO $XXXX AND GOES UP AND UP EVERY MONTH.  IT WILL REACH A POINT WHERE IT COULD GO OVER $50,000+

IN ORDER TO GET HELP I ENROLLED IN A DEBT RELIEF PROGRAM WITH XXXX XXXX.  NET CREDIT HAS REFUSED TO ACCEPT A PAYMENT OFFER OF THE ORIGINAL $XXXX; INSTEAD, THEY ARE BASING THEIR SETTLEMENT NEGOTIATIONS ON THE $XXXX.

NET CREDIT IS SO MUCH LIKE A LOAN SHARK.  THEY DON'T EVEN CARE THAT FINANCES HAVE BEEN AFFECTED BY COVID19 AND PAYMENTS OF MORE THAN $400 A MONTH ARE NOT DOABLE.  THEY DON'T CARE!  THEY WILL JUST ALLOW THE DEBT TO BALLOON TO AN OBSCENE AMOUNT.

THIS CANNOT BE FAIR.  AND, I DON'T UNDERSTAND HOW THIS CAN BE LEGAL.

THANK YOU.
Product: Credit reporting

I continue to supply court documentation regarding XXXX bankruptcy cases that were VACATED. Not discharged. Nor dismissed. I did not go through with any of the Bankruptcy 's.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Hard Inquiry on my Credit Report Dear Sir/Madam , I am writing to officially dispute a hard inquiry that is listed on my credit report. After reviewing my credit report obtained from your credit reporting agency, I discovered an inquiry that I did not authorize or recognize. I request an immediate investigation into this matter and ask for the removal of the hard inquiry from my credit profile. 
Details of the hard inquiry : - Inquiry Date : XX/XX/year> - Company Name : XXXX XXXX XXXXXXXX XXXX XXXX I would like to highlight the following concerns regarding this hard inquiry : 1. Unauthorized Inquiry : I have not given consent to TX XXXX XXXX XXXX XXXX or any other entity to perform a hard inquiry on my credit report. This unauthorized inquiry has been detrimental to my credit score and overall financial well-being.

2. Lack of Information : I am unaware of the specific purpose for this inquiry. I have not engaged in any new credit applications, loan requests, or any other activities that require a hard inquiry during the stated time frame.

3. Possible Error : It is possible that this inquiry has been reported incorrectly, or there may potentially be an identity theft issue. I request a thorough investigation to verify the legitimacy of this inquiry. In accordance with the Fair Credit Reporting Act ( FCRA ), I am entitled to a prompt investigation of this disputed inquiry.

Therefore, I kindly request that you initiate the investigation immediately and provide me with a written response within the legally mandated 30-day period. Please provide me with the following information upon completion of your investigation : 1. Confirmation of the legitimacy of the hard inquiry. 2. The source of the inquiry. 3. Steps taken to rectify any errors or inaccuracies in my credit report. 4. Verification of the removal of the disputed hard inquiry from my credit profile. 5. Updated copy of my credit report reflecting the amendments made. I understand the importance of maintaining accurate and up-to-date credit information. I respectfully request your urgent attention to this matter and appreciate your cooperation in resolving the dispute promptly. Enclosed with this letter are copies of relevant documents supporting my dispute. Should you require any further information or documentation from me, please do not hesitate to contact me using the information provided above. Thank you for your immediate attention to this matter. I look forward to receiving a satisfactory resolution to this dispute within the designated timeframe.
Product: Credit reporting or other personal consumer reports

Dear XXXX Dispute Resolution Team, I am writing to urgently address fraudulent accounts that have been opened in my name due to the XXXX data breach. As a victim of this breach, I have identified several unauthorized accounts associated with my Social Security number, which I did not open or authorize. For your reference, I have attached a copy of my Identity Theft Report. 
The details of the fraudulent account are as follows : 1. 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. Balance Owed XXXX Date Opened XX/XX/XXXX XXXX Account Number : XXXX XXXX. Balance Owed XXXX Date Opened XX/XX/XXXX XXXX XXXX Account Number : XXXX XXXX. Balance Owed XXXX Date Opened XX/XX/XXXX XXXX  Account Number : XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Owner : LVNV Funding LLC Resurgent ID XXXX XXXX  I mailed a cease-and-desist letter to company notifying them that i was disputing the debt and requested that they have no further contact with me after they failed to produce proof of ownership of debt or proof that they were collecting a charged off debt from XXXX XXXX XXXX XXXX They have threatened to sue me in court about a time barred debt. They have never provided me with the 1099 that I asked for which XXXX would have filed taxes as this would be considered lost income for their company. I'm a XXXX XXXX XXXX with no income, I've been denied XXXX XXXX XXXX XXXX twice hence no income. Their reckless disregard for my health has caused me additional XXXX XXXX XXXX XXXX, I'm stressed about this matter. I was told when I spoke to XXXX representatives years ago when they had written off this account that I would have to file it on my taxes as a 1099 and that they would written off the account after COVID when we had a disagreement about the balance. I'm seeking your assistance in this matter, Please have this company harassing me because I owe them nothing.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXXXXXX Balance : {$4000.00} ; XXXX XXXX XXXXXXXX Balance : {$16000.00} ; XXXX XXXXXXXX Balance : {$9100.00} ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to submit a formal complaint against Equifax regarding inaccurate information on my credit report. Despite my previous contact with Equifax on XX/XX/XXXX, I have not received any response or resolution regarding the following incorrect information : ( XXXX XXXX XXXX  Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2900.00} ), ( XXXX XXXX Account # : XXXX, Date Opened : XXXX Balance : {$480.00} ) These accounts were never late, and I request the removal of the late payment from my credit report. 

( XXXX XXXX Account # : XXXX, Date Opened : XXXX Balance : {$720.00} ), ( XXXX  Account # : XXXX, Date Opened : XXXX Balance : {$1500.00} ), ( XXXX Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$50.00} ), ( XXXX Account # : XXXX, Date Opened : XXXX Balance : {$660.00} ), ( XXXX  Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$83.00} ) and XXXX, Date Opened : XX/XX/XXXX, Balance : {$680.00} ). 

These accounts are not mine, and I request its removal from my credit report.
Product: Debt collection

this a debt that my ex husband has done and am not paying for it .my ex-husband has used my name to get a credit card in my name without my permission and am paying for a debit that is not mine we have been divoceced since 2001 and I have no contact with him .and iam sick and treid of getting this bills that are not mine I do n't even have a credit card because of him.
Product: Credit card or prepaid card

I have requested a letter stating that my wife has been removed as an authorized user on three different occasions. On each occasion a letter is faxed but the requested information is never listed. The fax takes 24-48 hours to come through so this process has now been unfolding for over a week.
Product: Credit reporting or other personal consumer reports

I submitted a complaint to these XXXX  a month ago, yet the erroneous information on my report persists. I have not received any updates from XXXX XXXX, apart from your notification indicating that the company has addressed my complaint. How can I be assured that they have conducted a thorough investigation into the inaccuracies on my report? What procedures were utilized to verify the accounts? This entire situation is exceedingly frustrating. Over 30 days have passed since I lodged my complaint, and the disputed accounts remain unchanged. If this issue is not resolved, I will be compelled to pursue legal action due to the significant stress it has caused me. Additionally, I am worried about the security of my personal information, which has been compromised by the XXXX, Experian, and XXXX data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

I SPOKE WITH A REPRESENTIVE AT NAVY FEDERAL CREDIT UNION ACCT XXXX .... REGARDING THE WAY THAT MY ACCOUNT IS BEING REPORTED. I'VE BEEN PAYING IT AND THEY ARE REPORTING IT AS A CHARGE OFF WHICH IS NOT ACCURATE AND NEEDS TO BE CORRECTED OR DELETED FROM MY CREDIT FILE BECAUSE IT'S HURTING MY CREDIT. THEY AGREED THAT IT'S NOT REPORTING CORRECTLY AND TOLD ME TO DISPUTE THE ACCOUNT.
Product: Debt collection

I have a consumer debt with Total visa card that was charged off and sold prior to me being able to pay off to XXXX XXXX XXXX XXXX at that time it was reported to my credit as a negative item, I contacted XXXX XXXX to handle the account at that time I was told it was going to ruin my credit and that I owed more than I did. I disputed the issue and was harassed for months regarding the debt finally I called again to handle the debt and was hung up on over and over again, I contacted a law firm that was pursuing a case of class action against XXXX XXXX and was advised that they buy debt and have used tactics against the FDCPA. Now there is no contact information for XXXX XXXX and when you call there # it goes to a different company. I have called the original creditor and was advised debt was sold they no longer have control of the bill I would like to have this item removed from my credit since there is no active company to pay or that is actively collecting on the debt. This account is affecting my credit and there is no way to resolve the bill.