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

Subject : XXXX XXXX XXXX XXXX XXXX Reporting and Request for Deletion Under UCC and FCRA Provisions To Whom It May Concern, I am writing to dispute inaccurate and fraudulent information appearing on my credit report resulting from the recent XXXX Data Breach of XX/XX/year>. This breach exposed sensitive personal and financial information, compromising my identity and resulting in unauthorized activity and inaccuracies on my credit file. 
Under Section 605B of the Fair Credit Reporting Act ( FCRA ) gives consumers the right to block fraudulent information from their credit reports if they are victims of identity theft.The Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information on my credit report. Additionally, I invoke the provisions of the Uniform Commercial Code ( UCC ), specifically UCC 1-308, which allows me to reserve my rights and request immediate removal of the inaccurate entries. 
The disputed accounts and items are as follows : XXXX XXXX  Account # XXXX & XXXX XXXX  XXXX Account # XXXX & XXXX Department of EducationXXXX  Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX Accounts # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX ) Account # XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX Inquiries XXXX XXXX Bank Credit Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Enclosed with this letter , you will find the following documentation to support my claim : A copy of my credit report with the disputed items highlighted. 
Documentation proving the breach of my personal data in the XXXX incident. 
A copy of my government-issued ID and proof of residence for verification purposes. 

As required under the FCRA ( 15 U.S.C. 1681i ), I request that you conduct a thorough investigation of these items. If you can not verify their accuracy, they must be promptly deleted from my credit file.

Additionally, under UCC 1-308, I reserve my rights without prejudice and demand full compliance with my dispute, ensuring no further harm arises from the breach. 
I expect a written response within 30 days, as mandated by the FCRA, confirming the results of your investigation and detailing the actions taken. Should this matter not be resolved satisfactorily, I am prepared to escalate my dispute by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other relevant agencies. 
Thank you for your prompt attention to this matter. Please contact me at ( XXXX ) XXXX or XXXX if you require additional information. 


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

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

3. Validate AccounXXXX XXXX  XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. Erroneous account Direct Violation of 15 USC 1681 Reporting incorrectly. PAYMENT HISTORY DATES ACCOUNT NUMBERS BALANCE INCORRECT AMOUNTS PAYMENT STATUS Inaccurate across all 3 Bureaus Experian XXXX and XXXX BALANCE XXXX XXXX XXXXI Account Number : XXXX As a consumer by law this account must be deleted immediately 6. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

7. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

8. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

9. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit card or prepaid card

Discover Card is a fraudulent company that needs to be investigated. XXXXXXXX XXXX has charged me twice for two services not rendered and instead of doing a sufficient investigation and returning my money- Discover Card is saying that vague explanations of the charge suffices. The charge says " for passage ''. What does that mean? No one knows because I prepaid for everything before the cruise.
Product: Debt collection

United Holding Group purchased this debt from XXXX XXXX a while back. Since then, they have handed it off to multiple 3rd party collection agencies trying to collect this debt. I previously notified a prior agency and the original creditor I do not wish to be contacted and more importantly, they are not to contact employers, family members or any other party regarding this debt. Despite multiple verbal and written requests to stop, they continue to violate my rights under the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am looking for a hard inquire to be removed. XXXX XXXX XXXX XXXX
Product: Prepaid card

I am trying to use my American Express gift card but it wont work anywhere.
Product: Mortgage

Since late 2022 I have asked Shellpoint Mortgage several times for copies of my home modification paperwork. I have not received any paperwork. This last time, about a week ago, I asked they certify by mail, copies of the paperwork. I still have not received this. I need this to refinance my home with XXXXXXXX XXXX. Time is now of the essence as Shellpoint has had a year to get paperwork to me, but it has yet to arrive.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit reporting act XXXX  account # XXXX XXXX and XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy 15 U.S.C 1681 section 602 A section 2 : it also states a cosumer reporting agency can not furnish an account without my written instructions
Product: Credit card

I have been a Capital One credit card holder for many years. I have never missed a payment. Earlier in the year, I missed the minimum payment by mistake ( although I did make a payment ) and I did not receive any correspondence on this issue from Capital One. They have sense charged me a XXXX dollar a month fee every month sense and recently charged me late on my credit report for XX/XX/2016. As soon as I was made aware of the issue I resolved it with them. But this required me to call customer service and go digging around in past statements. I am very upset that this issue took a year to resolve, hundreds of dollars and XXXX communication from Capital One. Also in reviewing my credit card statements in trying to resolve with Capital One I could not get an explanation on why I was charged a late fee in XX/XX/XXXX when the payment was made. It just appeared on my next statement.
Product: Mortgage

Beginning in XX/XX/XXXX of this year we began working with a mortgage loan officer to secure an FHA loan. During this process we disclosed to the loan officer that we had a federal tax lien and that we had been on a payment plan with the IRS for over two years having never missed a payment. The loan officer assured us that as long as we could show a consistent payment plan for a year that we would satisfy the requirements of securing an FHA loan. Documentation was provided to the loan officer, including bank statements showing the IRS debit and IRS documentation about the payment plan. As we moved forward on the contract for the property, all documents required for the loan were submitted to underwriting. Underwriting came back, and as a condition said we had to pay our current year and back taxes ( tax year XX/XX/XXXX ). We believe we have been misled by the loan officer and as a result this has cost us a substantial amount of time and money.
Product: Checking or savings account

I had a long standing account in good standing with BBVA bank. BBVA was purchased by PNC bank. I never even heard of PNC prior to this transfer. As soon as my account was moved to PNC, this new bank took it upon themselves to close my longstanding account giving me no reason as to why the account was closed. I'm a senior citizen of XXXX XXXX descent and I can't think of any reason my account was closed other than whoever was handling the transfer of my account, did not like my XXXXXXXX XXXX. I demand that my account be reinstated with no negative consequences!
Product: Checking or savings account

ON XX/XX/XXXX OF XXXX  my card was used by an identity thief, this person used the card to do the following transactions : XX/XX/2023 XXXX XXXX {$2900.00} XX/XX/2023 XXXX XXXX {$2900.00} XX/XX/XXXX XXXX {$2800.00} XX/XX/XXXX XXXX {$2900.00} XX/XX/20XXXX XXXX {$3500.00} XX/XX/XXXX XXXX {$3800.00} XXXX XXXX {$3300.00} I called the bank to report the card stolen and also to report these charges as fraudulent. 

US BANK conducted an investigation and concluded that all XXXX charges were fraudulent and were properly credited back to my account, it was confirmed a thief used was card. What didnt make sense to me is that the XXXX XXXX were not considered fraudulent when they were made by the same person and same date. 

they sent me proof that supposedly i did it, but as you can see in the attached proof they sent was all made by a fraudster the thief sent the company an expired ID the thief also sent an income tax that i was making XXXX a year working with XXXX. when i only make around XXXX with XXXX XXXX. this makes no sense it is clear here that the thief sent XXXX XXXX fake documents and an expired ID stolen from my wallet. Why would the company accept an expired ID as form of identification? all documents are fake and made by the thief. 

US BANK SHOULD KNOW BETTER, why would US BANK CLOSE MY ACCOUNT after being a victim, US BANK DECIDED TO CLOSE MY ACCOUNT and also charge me more than {$5000.00} USD. this is not fair. I NEED US bank to properly investigate this matter.
Product: Credit card

XX/XX/XXXX I talked to agent XXXX ID number XXXX about changing my due date because I never get paid on the date they asking me to do that's how I keep getting late fees I'm never going to be able pay this account off are bring it up to date I've received my social security payments around XXXX and XXXX each month not the XXXX like the current due date my the way this account is closed
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these items under Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ), please investigate the unverifiable items and update them immediately in my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. US DEPT ED - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. US DEPT ED - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. USDOE/XXXXI - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 7. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX on XX/XX/XXXX XXXX Reported Identity Theft )
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, PORTFOLIO RECOVERY add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA PORTFOLIO RECOVERY has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 approximately XXXX in XXXX time I deposited to {$10000.00} to buy XXXX  on XXXX XXXX Binance.US. Now I get its Binance.US, but Im in XXXX because of work and I have a VPN that allows me to operate my US account abroad. Anyways, after making this deposit and buying my ethereum, my account was locked for security reasons. Shortly after, I reached out to their customer service and they told me to send a video of me holding my driver licenses stating the date, my name, email associated with the account and that I authorize the transaction. After the video was sent, they told me to wait until my account is done reviewing. Upon writing this email on XX/XX/2022, I am still unable to access my account. I have been reaching out to their customer service everyday and they all say the same stuff of your account is still under review and there is no eta. How is this exchange allowed to hold peoples money hostage for that long. Mine case is not even that bad. Ive seen people wait up to XXXX to get account unlocked. This is unbelievable and unacceptable.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding Mohela Loan Services and their handling of my student loan account, which has significantly impacted my credit report and, consequently, my ability to secure a home loan. 

Recently, Mohela changed its company name, but in doing so, they made errors in credit reporting that have caused serious financial harm. Specifically, I have discovered that duplicate accounts were created under both the old and new company names, each listing the same loan balance. This resulted in an inflated total amount owed on my credit report, effectively doubling the debt reflected in my credit history. All XXXX credit bureaus reflect this discrepancy. Mohela stated mortage companies use XXXX party companies that could have made the mistake. After speaking with the mortage company they confirmed the duplication shows with all XXXX bureaus. The amount of time and effort to correct this is unknown, it could takes months and now the burden falls upon me. A full time teacher, mom and wife. 

As a result of this negligence, my credit score has dropped, and I am now facing difficulties in securing a mortgage, which has caused considerable distress. The appearance of these duplicate accounts on my report has led to confusion with potential lenders, who have been misled by the inflated debt amounts.

I respectfully request that CFPB investigate this issue with Mohela and facilitate the correction of these errors, ensuring that my credit report accurately reflects the true amount owed without any duplication. Furthermore, I would appreciate any assistance you can provide in addressing the damage caused to my credit score and the ongoing difficulties in securing a home loan due to these reporting errors.
Product: Credit reporting or other personal consumer reports

It has been a year now that I have been disputing these addresses that I do not know about and I have never lived at any of these addresses and they are fraudulent and incorrect for me and therefore they are affecting my credit report therefore I demand that they be deleted immediately of my credit report since they are affecting me and I have been disputing them for a long time and the credit agency that reports these false and fraudulent addresses is only EXPERIAN and I want them to resolve the problem of eliminating these addresses, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Mortgage

I contacted Ditech Mortgage on XX/XX/XXXX regarding a CEMA from a refinance not recorded from XXXX. I have followed up numerous times by phone and faxed all the information to Ditech on XX/XX/XXXX, a call on XX/XX/XXXX verified the fax was received. We received a letter dated XX/XX/XXXX advising 30 days was needed to complete the request. After no information being received after that date regarding the recording of the CEMA - I contacted Ditech on XXXX/XXXX/XXXX, with my wife on the phone. We were guaranteed a phone call back, to date it has not been received, regarding the recording of the CEMA. My wife contacted Ditech for a status on XX/XX/XXXX, she was advised there were no additional notes regarding our issue since XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent in numerous disputes regarding these fraudulent accounts and requested the bureaus to send in information related to their verification and have yet to receive anything showing how they are verifying these fraudulent accounts. I've sent in a Police report for identity theft, a notarized affidavit and they still won't even block the fraudulent accounts. This has been going on for months and I'm sure they are in violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX have been dealing with issues with XXXX having a debt collection that was not opened under my name and I have no business with this lender stuck on my XXXX credit report. I have reached out to XXXX and the XXXX LABS on multiple occasions where XXXX doesn't send any investigation results or updates pertaining to this account even after as long as 30 days. I have a FTC complaint # for this case XXXX and I am reaching out to the CFPB as XXXX and XXXX labs are in violation of 15 U.S. Code 1692e ( 9 ) articulates that the use or distribution of any written communication which creates a false impressions as to its source, authorization, or approval as you XXXX XXXX is stating that someone other than me a consumer in fact, is the creditor when I am the creditor.
Product: Vehicle loan or lease

XXXX XXXX XXXX {$9700.00} Opened XX/XX/XXXX Closed XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX va XXXX XXXX XXXX XXXX I was the cosignor on this account to help someone obtain a vehicle. The vehicle was repossessed. The primary signee tried to make attempts to get low payments the company refused.
Product: Credit reporting or other personal consumer reports

This is my second request disputing inaccurate information on my credit report. Under the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), and Fair Debt Collection Practices Act ( FDCPA ), Truth in Lending Act ( TILA ) I am entitled to dispute fraudulent accounts and expect a prompt investigation. During the next fifteen days As a victim of identity theft, I request validation of the following accounts : Creditor : XXXX XXXX Account Number : XXXX Reason : This account is not mine ; I never received communication from the creditor. Verification proof has not been provided. 

Creditor : XXXX XXXX, Account XXXX : XXXX Reason : This is a fraudulent account. A police report has been filed. 

Other Accounts Reported in FTC Report and Police Report : XXXX XXXX XXXX Account Number : XXXX XXXX, Account Number : XXXX This issue has caused significant distress. I have reported it to the FTC, CFPB, and BBB for further assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Based on, 15 U.S. Code $ 1681c-2 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 XXXX business days after the date of receipt. 

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 

Under, 15 U.S Code 16816 - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Debt collection

Repeatedly called and called my husband and disclosed my debt to him as well as threatened me with legal action. Claimed they sent me notice in mail did not receive so sent me email instead. I wanted written verification and said they could not do that.
Product: Money transfers

Riamoneytransfer was contracted to provide payment service. 
After taking money, they blocked account. Payment was not made nor refunded. 
Emails to company are ignored.
Product: Debt collection

Transworld Systems has inaccurately placed an account on my credit report. I disputed the account over XXXX XXXX ago, and the original creditor has not responded within the required timeframe. According to the Fair Credit Reporting Act ( FCRA ), if no response is received within 30 days, the account must be deleted. Transworld Systems has refused to remove the account. I have requested proof, including a copy of my ID, the account details, and documentation used to open the account, as well as a signed contract showing that Transworld Systems is authorized to collect on this debt, rather than just having purchased it from a third party. The account must be removed from my credit report immediately, as failure to do so would further violate FCRA regulations.