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

This letter is a formal dispute filed pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B ( 15 U.S.C. 1681c-2 ). I am requesting that you, [ Credit Reporting Agency name ], block the following information on my credit report within 4 business days of receiving this complaint due to identity theft and fraud : I specifically declare the following statements : * The request to block information is NOT based on a material misrepresentation. I am not making any misrepresentations in this dispute. 
* I have NOT agreed in writing that the information was blocked in error. I have not agreed to anything related to this fraudulent information. 
* I DID NOT knowingly obtain or should have known that I ( the consumer ) obtained possession of goods, services, or moneys as a result of the blocked transaction or transactions. I did not obtain any goods, services, or moneys related to this fraudulent account. 
I do not recognize the aforementioned account and I did not open it. I request that you investigate this matter and remove this inaccurate and fraudulent information from my credit report. 
Please contact me at the above address if you require any further information. 
Sincerely, XXXX
Product: Credit reporting or other personal consumer reports

i have not supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) 281 SW715.719 presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exists. ( please remove this account before i seek litigation for defamation of character ) credit systems balance {$590.00}, XXXX XXXX XXXX XXXX balance {$5900.00}, XXXX XXXX XXXX XXXX balance {$1000.00}, XXXX XXXX XXXX XXXX balance {$800.00}, XXXX XXXX XXXX balance {$350.00}.
Product: Credit card or prepaid card

Capitol One is not keeping up with their fax that I sent with my driver 's license and Social Security Card that was needed and sent them these documents twice that were required. I need to know what the delay is and hold up. 

First fax was sent on XX/XX/2023 XXXX fax was sent XX/XX/2023 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im sent multiple ftc reports and 605b letters to Equifax XXXX XXXX XXXX. They refused to block information from my report. All of the following items are a result in fraud. 
XXXX. XXXX XXXX at XXXX XXXX {$3700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX {$21000.00} XXXX. XXXX XXXX XXXX XXXX  ( XXXX of XXXX Florida ) {$240.00} All Done Fraudulently!! Name & Address The following Name XXXXr XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Has no knowledge of this account and belief it to have been opened fraudulently He has contacted your company on multiple occasions demanding a request for deletion of the account be sent to the credit reporting agencies for which your company is reporting Again, my client has no knowledge of this person or address and therefore did not give consent to open an account with your company nor is he aware of this individual.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have provided the reports with all FTC violation on these accounts 4 months later they have done nothing to resolve the breach that XXXX has known and claimed that was their fault please correct my credit so I can go back to my daily life as a hard-working agent that is just providing food for my family
Product: Credit card or prepaid card

I am locked out of my online credit card account with Capial One. Without access to my online account, I can not review and verify the charges, make a payment and, most important, close this account. 

For, " security '', they now require the consumer provide a cell phone number registered iin the USA and in the card owner 's name. After entering in username and password the phone receives a numerical code to be entered to complete the login. That is now a problem for me as I am a XXXX that travels internationally 10 months a year and do not possess such a cell phone. However, in the past I was allowed to receive this code at a USA-based relative 's landline. The relative would then forward the code, I would enter it and obtain access. 
On approximately XX/XX/2020 I was locked out while in Hawaii. I called them and after a one hour conversation they agreed that once again they would send the code to the above described landline and that the problem was permanently resolved. They were wrong. 

On XX/XX/2020, i was locked out while in the XXXX. Their, " toll-free, collect international number '' is not valid from the XXXX! 
I then spent {$20.00} to buy minutes to call on a local cell phone. They would not send the code, as they have in the past, to my relative 's landline. The representative unlocked my account but it would still not accept my password. The screen directed me was to call yet another telephone number which like their other number, was not accessible from the XXXX. 

I need accces so that I can verify the charges and also to cancel this card with the idiotic, " security '' features which I no longer use. The absurdity of their system is although I am locked out and can not review the charges, the card can still be used. This means if unauthorized use has taken place I can not know this. 
If I can not access my account I will not make any payments until XX/XX/2020 when I return to the USA from XXXX. 

Thank you XXXX XXXX
Product: Debt collection

Dear VELOCITY : Kindly provide validation regarding information transmitted to credit reporting agencies for me, with regard to the asserted account XXXX. Since reporting errors may be in the account history, I hereby request that your company send such validation within a month of receipt of this request. This request is for more than just a review without detail. Rather I have demanded a formal audit. Should you not be able to provide such lawful documentation during this reasonable period, any information communicated by VELOCITY to the credit bureaus should not be deemed truthful and may bespeak your disregard for consumer protection statutes. Should this be the circumstance, please DELETE this account. 
I offer my sincere gratitude for your assisting with this circumstance
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. If you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX UNAWARE OF THE TWO ACCOUNTS. SEEMS FISHY TO ME AND I HAVE NO CLUE WHERE THEY CAME FROM. IF I FIND OUT THAT YOU CREDITORS ARE PURCHASING INFORMATION, PLACING UNVERIFYABLE ACCOUNTS ON MY CREDIT FILE I WILL BE CONTACTING THE FTC, BBB, the county courthouse to file a lawsuit against you creditors asap. You 've broken several laws within THE FCRA. I would like to see the verification process that you the creditor and credit bureau supposedly did. Please remove these accounts before I take legal actions because I know my XXXX rights as an American Citizen.
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 XXXX XXXX : 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 XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : ACCOUNTS : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX - XXXX INQUIRIES : XXXX XXXX - XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX 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 XXXX  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: Checking or savings account

On XX/XX/2023, Navy Federal Credit Union deducted {$1400.00} from our checking account on the basis of a fraudulent claim made through XXXX by a former tenant. Neither Navy Federal nor XXXX made any attempt to verify the claim, contact us regarding this claim, nor did they allow us to provide evidence to counter the false claim. They did not even notify us of the deduction from our account. XXXX has insisted that we go through Navy Federal to resolve this. The former tenant 's bank XXXX XXXX also indicated that Navy Federal is responsible. 

We have ample evidence that we have since provided to Navy Federal at a branch office that the claim had no basis, and have requested they reinstate our funds. Navy Federal has refused to provide any evidence upon which the deduction was made from our account. Our evidence includes the lease with the former tenant, the entire history of rent payments made by the tenant through Navy Federal, the history of payments made by the tenant through XXXX, the entire balance history, and the back-rent still owed to us by the former tenant. We have talked with at least four representatives and supervisors from Navy Federal 's " Fraud and Digital Services '' department. To date, they have insisted that they will do nothing to consider our evidence, and that our only recourse is to file civil suit against our former tenant.

Note that the file attached to this complaint includes only a small part of the evidence supporting our position. Much more has been provided, and is still available, to Navy Federal.
Product: Debt collection

I accepted and paid a settlement agreement offered XX/XX/20 for {$450.00} which included complete removal from my credit report. 

CMRE keeps re adding the record to my report after it fell off. 

I got a payment confirmation code but never got payment confirmation letter
Product: Student loan

I connected with XXXX XXXX to assist with student loan payments, but have received an FTC notice and instructions on how to fill a complaint about their unfair and deceptive practices. I have since canceled the subscription to XXXX XXXX. I don't know where to proceed from here.
Product: Credit reporting

Transunion is reporting numerous inaccurate names and an irroneous BK on my credit report. My numerous attempts to have them remove it went ignored and TU told me to contact the furnisher the courthouse- who in turn responded in writing stating they do NOT reporting this information to any of the bureaus. So statement by TU is a LIE! I have then supplied proof from public search showing NON existence and NON accuracy of this account to TU who again ignored my request for deletion and I kept getting this -we will not reinvestigate your issue because we already resolved this- auto generated responces. this is rediculos and should not be tolerated The law states from " date of adjudication '' or date of " order for relief. '' Any case, civil or otherwise, that has been dismissed no longer exists in the eyes of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. 

Therefore, it is only fair that in accordance with Section 1681 ( a ) ( 5 ) of the FCRA you delete this information from my credit report and please send me a updated copy when it is completed. Considering that this does not require an investigation, I would appreciate your response within 2 weeks from the date you receive this letter.
Product: Mortgage

They contacted my stepson who only speaks XXXX and discussed late loan. The loan was originally made by people who knew his language. Truist should not be servicing any of my loans based on this behavior. They reported our payment as late and charged us fees/penalties. Never contacted other borrowers. Said we consented to all of this. We did not.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting on unauthorized inquiry my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Yo offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You hav transferred, possessed, or used, without lawful authority, a means of identification Is a felony punishable with Lip to 2 years of imprisonment, in addition to civil liability By obtaining my CREDIT BUREAU consumer credit report on DATE Without my permission or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( XXXX '' ) codified at XXXX U.S.C 16186 ( XXXX ) XXXX ( XXXX. XXXX. XXXX, XXXX XXXX sup XXXX ( XXXX XXXX )
Product: Credit card or prepaid card

Cash App received my government stimulus check. I had been trying to find where my stimulus money went and contacted them on multiple occasions. I had deleted my account and thought it was closed. When the funds went into the account Cash App never contacted me. 

When I realized which account the funds were in, I contacted Cash App multiple times to get access to my account. I no longer have access to the email address nor do I have the phone number I registered the account with. I have the cash app card. However, this was not enough to verify my ownership of my account. 

There needs to be other mitigation processes in place for people like me who have struggle to get access to my funds. 

At this point, my stimulus money has been issued to me ; however, I do not have access to it. I can use the card issued to the account ; however, I need the cash money.
Product: Checking or savings account

Around 8 days ago I went into a XX/XX/11 and made a cash deposit of around {$310.00} dollars i put this cash on my chime card. Later on that day I tried to use my card and the transaction was declined. I tried to get online to view my account balance and my online access was declined. I called chime and the representative stated that my account access was frozen until further investigation. I asked what was being investigated and they stated a transfer from XXXX XXXX that was declined and they asked if i initiated this transfer and i stated " yes '' i initiated the transfer of funds prior to the XXXX XXXX account being closed and I was unable to unlink the XXXX XXXX account from the chime account due to my chime online access being denied. They stated all they needed was my 1. I.D 2. UTILITY BILL OR SOMETHING OF THE SORT WITH MY NAME AND ADDRESS ON IT 3. THEY NEEDED VERIFICATION THAT I WAS IN FACT THE XXXX XXXX ACCOUNT HOLDER AND I GAVE ALL THE ITEMS REQUESTED I EVEN WENT INTO THE XXXX XXXX BRANCH WITH THE BRANCH MANAGER BY MY SIDE TO CONFIRM I AM THE ACCOUNT HOLDER AND CHIME STILL REFUSES TO RELEASE MY MONEY ITS BEEN 8 TO 12 DAYS NOW AND I CALLED BACK CHIME TO CONFIRM THAT EVERYTHING WAS RECEIVED THEY SAID YES WHY ARE THEY STILL HOLDING MY MONEY WITHOUT ME BEING ABLE TO ACCESS ONLINE OR THRU ATM. PLEASE HELP. THIS IS NOT FRAUD I AM A SINGLE PARENT. I AM A TAXPAPER. I AM AN HONEST HARD WORKING CITIZEN OF THE U.S. AND I DON'T UNDERSTAND HOW A COMPANY CAN OPERATE WITH SO MANY COMPLAINTS ONLINE I KNOW XXXX OTHER PEOPLE THAT HAVE THE SAME ISSUE. ALL THE ITEMS ARE PROVIDED AND CONFIRMED RECEIPT HOWEVER FUNDS ARE STILL FROZEN AND I HAVE BILLS TO PAY. PLEASE HELP! CHIME MUST BE STOPPED!!
Product: Mortgage

I have requested several occasions to have my PMI removed. They will not appraise my property or remove the PMI. This is the last email I sent Benchmark Mortgage. 

" I AM IN RECEIPT OF YOUR LETTER DATED XXXX. I DISAGREE WITH YOUR DETERMINATION. I HAVE INVESTED OVER {$300000.00} IN IMPROVEMENTS IN THE PROPERTY. ALSO, THE PROPERTY HAS OVER DOUBLED IN VALUE SINCE MY PURCHASE IN XXXX. I DEMAND A REVIEW AND AN APPRAISAL AT MY EXPENSE TO RELIEVE ME OF THE MORTGAGE INSURANCE. IF RELIEF IS NOT GRANTED, I WILL PROCEED WITH LEGAL ACTION ALONG WITH CONTACTING THE PROPER GOVERNMENT AGENCIES TO SEEK RELIEF. PLEASE FORWARD THIS EMAIL TO YOUR LEGAL DEPARTMENT. '' Thank you,
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove 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. 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

In 2019 Banco Popular, Creditor XXXX, inquired my credit in two times this year. Those inquiries were identified as Hard Inquiries rather than Soft Inquiries. The reason to understand that must be a soft inquiry is because my mortgage loan is under a Loss Mitigation review to achieve a loan modification because my unemployed. 

The inquires were performed in XX/XX/2019 and XX/XX/2019 

I request to change the inquiries to a soft since the process working with Banco Popular is for a Loss Mitigation and not to request new credit. 

Below are the definitions as CFPB link. 

Hard inquiries. These are typically inquiries by lenders after you apply for credit. These inquiries will impact your credit score because most credit scoring models look at how recently and how frequently you apply for credit. 
Soft inquiries. These are reviews of your credit file, including reviews of existing accounts by lenders, prescreening inquiries by prospective lenders, and your requests for your annual credit report. These will not change your credit score. 

Additionally, Banco Popular must change the internal guidelines to any borrower who is working under the loss mitigation program all credit inquiries be identified as soft inquiry. 

Thank you!
Product: Credit card or prepaid card

I received a store card from XXXX XXXX through Great American Finance, and they have been violating the terms of my financing agreement by calling me every month demanding I add my banking information again - stating it hasnt been added correctly. They are then charging me two and three times a month via ACH and when my bank denies the extra payments because they are duplicates, Great American Finance charges me NSF fees.

They also call and demand payment over the phone even though I have automatic debit on the account every month. The calls are almost always come from offshore outsourced agents.

They are also refusing to provide me with monthly statements, and Ive not received one since they started taking unauthorized money from my account multiple times a month.

I am an older woman with a disability and they are trying to pull one over on me and take advantage.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 


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

XXXX XXXX received official documentation of my police report and affidavit proof of identity theft but they continue to report XXXX XXXX account ending in # XXXX and XXXX  account ending in # XXXX i will attach a notarized affidavit and i will attach proof of police report. Also checking my credit on XX/XX/XXXX i have also found that XXXX account ending in # XXXX is reporting additional inaccurate information on my credit report which will be attached. XXXX XXXX reports last payment on XXXX account on XX/XX/XXXX equifax reports last payment XX/XX/XXXX. Error number two same account two different close dates XXXX XXXX readsXX/XX/XXXX equifax reads XX/XX/XXXX. Error number three days late XXXX XXXX reports 120-149 days late equifax says 180 days past due. Also the XXXX  account ending in # XXXX is a closed account reporting monthly payments of {$230.00}. These errors on my credit report has been harming me financially and emotionally i cant continue my line of business with inaccurate information on my credit profile.