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

I am writing to formally request the removal of the following fraudulent account and inquiry from my credit report. I am a victim of identity theft resulting from a data breach. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items blocked and deleted from my credit report. 
Fraudulent Account XXXX. XXXX - Account XXXX : XXXX - Date : XX/XX/XXXX - Amount : {$30000.00} XXXX XXXX XXXX. XXXX/XXXX  - Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
3. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
4. there is some inaccurate information reporting. 
XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
5. there is some inaccurate information reporting. 
XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
6. there is some inaccurate information reporting. 
XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
7. there is some inaccurate information reporting. 
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
8. there is some inaccurate information reporting. 
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
9. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 
10. there is some inaccurate information reporting. 
XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 
11. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a request for an investigation of the disputed items, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update the following items from my file. 
XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Student loan

My daughter attended XXXX in XXXX several years ago. We have a student loan with Wells Fargo ( was XXXX XXXX ). For several years we have managed to keep the loan current, but she recently ran into financial issues after having her XXXX child. We spoke to Wells and they offered a modification. After completing all of the paper work and answering questions ( this took about two months ), we were told we did not qualify for the modification because we couldnt afford the lower payment. Obviously this isnt making sense, this is why we asked for help in the first place. Their response was they can not practice predatory lending and if they lower the payment knowing we cant afford it, this is doing so. We asked if they could help us get caught up and they again said no, that since we dont qualify for the modification we dont qualify for deferred payments. We have gotten repeated calls, and we have made small payments and asked numerous times for help, with the same response each time, " no there is nothing we can do ''. Yesterday I received a call from a man that stated we owed the money, and must pay, he suggested that my daughter who works full time and has an infant at home get another part time job. I am disgusted by this company and am desperate for any help we can get! We have asked them for help for 6 months, and they know we need it, but they refuse to do so. What can we do?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third time contacting this company in reference to accounts that are on my credit report but does not belong to me. There has been no response whatsoever. This has hindered my ability to obtain proper housing and more.
Product: Credit card

I sent capital one information that i was a victim of family identity theft and a credit card with them was opened without my consent. They keep saying i know about the card and used it. Ive sent them information from ftc and told them who did it and they still want to charge it to me
Product: Debt collection

XXXX XXXX contacted me to attempt to collect a debt for consumer phone service. I reported this as fraud, which XXXX XXXX refused to accept. After escalating with the FCC and other regulators, XXXX XXXX changed their opinion and confirmed, in writing, from their Executive Response team on XX/XX/2022 that the debt was indeed fraudulent, and I have " been absolved of all financial responsibility for this account. '' Despite these findings, XXXX XXXX transferred the fraudulent account to a collections agency who has since filed a collection on my credit report. I expect XXXX XXXX to accept responsibility for their actions and honor their commitment to address this situation as the fraud it is and direct their collections agency to fully remove this derogatory information from my credit report. XXXX XXXX File No. XXXX.
Product: Credit card

I went to XXXXXXXX XXXX XXXX They advertise 0 % interest for 12 months through Affirm. I applied to Affirm and got back a 28 % interest rate on my loan. I have XXXX XXXX XXXX XXXX. I tried calling Affirm. They connect me to their customer service in the XXXX. I ask them why I didnt receive the promotional offer. She tell me to contact XXXX but the vendor is not the one that is financing. They are. She acts like she doesnt understand my simple question as to why someone like me who has impeccable credit does not qualify for 0 % interest. Nothing is resolved and now I am stuck with 28 % interest. It was a bait and switch with no answers from the finance company AFFIRM
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 XXXXXXXX ; XXXX XXXX XXXX  Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXXate Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX  Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Account Reporting and Demand for Resolution XXXX, XXXX, Equifax Consumer Relations, I am writing to dispute the unquestionable inclusion of unauthorized late payments on my consumer report related to a XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX account. This blatant violation is severely impacting my creditworthiness and constitutes a grave breach of privacy. 

Under the Fair Credit Reporting Act ( FCRA ), a person is explicitly defined as any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity ( 15 USC 1681a ). There is no room for interpretation here. Furthermore, 15 USC 1681a ( 2 ) ( A ) ( i ) of the FCRA unequivocally prohibits the reporting of transactions between the reporting entity and the consumer. This is not a potential violation ; it is an unmistakable breach that must be rectified.

Even in the case of a permissible purpose, the consumer 's consent is mandatory, as dictated by 15 USC 1681a ( 2 ) ( A ) ( i ). I emphatically assert that the late payments are unverifiable due to my explicit lack of consent and the clear violation of the aforementioned legal provision. 

This dispute is also grounded in the following North Carolina laws, which do not allow for ambiguity : 1. North Carolina Identity Theft Protection Act ( N.C. Gen. Stat. 75-60 et seq. ) : This law directly addresses identity theft concerns and is unequivocally relevant to the unauthorized reporting of information affecting my credit. 

2. North Carolina Consumer Finance Act ( N.C. Gen. Stat. 53-171 et seq. ) : This statute, without question, regulates consumer lending and provides unambiguous protections regarding the reporting of inaccurate or unauthorized information. 

I am not presenting this as a potential issue, but as a clear violation of both federal and state laws. I demand, unequivocally, that XXXX, XXXX, and Equifax rectify this situation within 30 days from the receipt of this complaint by updating the account to " paid as agreed '' with no late payments. Failure to comply within this timeframe will be perceived as willful noncompliance, and XXXX, XXXX, and Equifax will undoubtedly be held civilly liable for such a blatant offense. 

These disputes are not speculative ; they are grounded in the following federal and state laws : XXXX. Fair Credit Reporting Act ( FCRA ) : Specifically, the definition of a person under FCRA ( 15 USC 1681a ) and the unequivocal prohibition of reporting transactions without consumer consent, as outlined in 15 USC 1681a ( 2 ) ( A ) ( i ).

2. 15 USC 1681s-2 : This section explicitly outlines the responsibilities of furnishers of information to consumer reporting agencies and mandates the accuracy of the information provided. 

I demand your immediate and unwavering attention to this matter and expect that you will take the necessary steps to rectify this undeniable violation in accordance with both federal and North Carolina laws. 

Done in good faith.
Product: Money transfer, virtual currency, or money service

I have been a US Bank customer for over 10 years. I use online banking for bill paying & transfers. 

They want to verify my identity online and they WILL ONLY DO THAT BY TEXT. 


I DON'T TEXT. I SHOULD BE ALLOWED NOT TO TEXT. THIS IS NEW - I DON'T USE MY CELL PHONE EXCEPT FOR EMERGENCIES. 

I AM XXXX AND SHOULD HAVE THE RIGHT NOT TO TEXT!!!!! 

NOW I HAVE TO GO TO MY LOCAL US BANK AND GET THIS CHANGED OR CHANGE ALL MY ACCOUNTS TO ANOTHER MORE CONSUMER FRIENDLY SENIOR BANK.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I filed XXXX  XXXX Bankruptcy XXXX XXXX  is my only creditor that has not removed me from the debt, reporting inaccuracies stating Im over 90 days late a large balance etc- I have told them to fix this in XXXX its XXXX they are still reporting inaccuracies consistently- Transunion has dropped my score because of this and XXXX has dropped my score this is the only card doing this
Product: Credit reporting or other personal consumer reports

XXXX has refused to look in to the dispute I filed with showing where they have my signature agreement on file proofing that it was my debt and they refused to remove it from my credit report I asked for a debt validation discover only gave them my address and name and social which is public record which doesn't validate that the debt was mine and refused to remove it from my credit score discovery refused to provide me with a signature agreement contract of debt as well on stating they had my address and name which is public records
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute Regarding Incorrect Address on Credit Report Dear Consumer Financial Protection Bureau, I am writing to formally dispute inaccurate information appearing on my credit report. Specifically, the address listed on my credit report is erroneous. The incorrect address is as follows : Incorrect Address : XXXX XXXX XXXX XXXX  TX XXXX Incorrect Address : XXXX XXXX XXXX XXXX Tx XXXX Incorrect Address : XXXX XXXX XXXX XXXX XXXX This address is not associated with me or my credit history. I have never resided or conducted any financial transactions from this location. My correct and current address is : Correct Address : XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX I have already contacted the credit reporting agencies to rectify this error, but I am seeking your assistance in ensuring that this matter is resolved promptly. The inaccurate information could potentially adversely impact my creditworthiness and cause confusion in any financial transactions I may initiate.

Enclosed with this letter are copies of my identification documents ( e.g., drivers license, utility bill ) and a copy of my credit report with the erroneous address highlighted for your reference.

I kindly request that the CFPB initiate the necessary investigation and resolution of this error. Please provide me with an update on the actions taken to address this matter.

Thank you for your prompt attention to this matter. I eagerly anticipate your response and the timely resolution of this issue.
Product: Payday loan, title loan, or personal loan

XXXX XXXX  I purchased couch pre approved told payment would be XXXXXXXX XXXX not {$190.00}. For a XXXXXXXX XXXX couch if they had interest it would be over XXXX XXXX interest they call it non return lease and won't negotiate price in past for {$3000.00} purchase payments where less than now they are wrong in technic and wrong scamming with so called lease misleading gouging and the computer glitches couldn't see papers signed they were behind counter I also paid XXXX XXXX cash no reciepts for delivery from them leg broke during set up how is the intent gouging with a lease u can't return. Financed though American first finance from XXXX XXXX
Product: Mortgage

Formal Appeal Notification your request has been denied. 

Carrington Mortgage encouraged me to contact you.

First, Carrington Mortgage attempts to defraud a retired veterans with service connected mental health issues with deceptive practices. it was proven. I still have that illegal contract. I reported Carrington to to the CFPB, the XXXX XXXX, the Florida XXXX XXXX, HUD, numerous agencies and attorneys. 

Carrington Mortgage was enforced to comply with XXXX and XXXX XXXX. Unlike the first illegal contract. It took over a year to complete a contract that I agreed upon with VA support/Promissory Note. I signed it. However, Florida XXXX XXXX dictates that both spouse 's MUST sign the contract. My wife filed for divorce only days after I received that contract. My spouse doesn't want to sign a quit claim deed. She wants to liquidate the house according to her petition for divorce. 

Carrington Mortgage negated that contract after I pleaded and made a payment in good faith. I submitted numbers applications with my final statements. Only XXXX were approved using the same financial statements. I was not employed and in all those applications, I submitted my retirement and XXXX. The second contract was approved with my pay had never changed. 

Notwithstanding the current market, inflation and soaring percentage rates, now Carrington Mortgage can come with a new legal way to XXXX me out of my home. This is literally about my first home I have sworn to keep, not to sell or liquidate. I bought it for {$250000.00} the market price is nearly {$500000.00}. It's a great profit to ensure a veterans with XXXX, that suppose to be protected under the XXXX goes homeless. That is the bottom line. 

Therefore, you XXXX me, I XXXX you back. 
HUD, the VA, Florida XXXX court and XXXX 's concerned with get this grievance. 

After all I been through to protect this sorry XXXX country, this is it for me. When I finally realized that I have lost this battle to domestic terrorism, I AM GOING TO DOUSE XXXX Shady XXXX XXXX, XXXX, FL XXXX WITH GASOLINE AND BURN THIS XXXX DOWN. 

Carrington Mortgage has heard my recorded conversations. I have been declared INCOMPETENT with anti-social disorders by the VA, It doesn't matter to me if I get away with it or not. Spare me the legalities of the crime committed. 

I really don't give a XXXX. Don't call me, I will not answer. XXXX you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello on XX/XX/2019 went on XXXX XXXX noticed i got a hard pull from XXXX  XXXX on XX/XX/2019. I did not apply or authorize anything with this company. I called up there customer service and they told me to report it as fraud and thats the only way they can remove it since I don't have a card with them on record from whoever that tried to pretend to be me. Than the hard pull would be removed from cred report agencys within 30 to 45  days.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, if someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Equifax. 

1. Company Name : INFORMATION SEARCHIN Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX XXXX Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX XXXX Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft
Product: Money transfers

I thought I was buying an XXXX online. The person told me to transfer them money and they would ship the product. I sent the money and then they blocked me so I could n't complain to them that I was scammed out of money
Product: Credit reporting or other personal consumer reports

According to the FCRA 15 USC 1681 ( e ) ( b ), my credit report should display the maximum possible accuracy. However, this is not the case because this credit reporting agency is purposely violating my consumer 's right by displaying numerous inaccuracies for this account which is negatively affecting my creditworthiness. 

Attached is the proof of this consistent VIOLATION of my consumer 's right in which this Charged Off account is being reported as " CO '' in the payment history/summary consecutively for the last 6 months which is impossible because the account can ONLY be charged off ONCE since it is dormant, not month after month. Due to this reported inaccuracy, this illegally resets the statute of limitations which once again is a VIOLATION! 

Please delete this account immediately! 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Money transfer, virtual currency, or money service

I have had a paypal account for over 4 years now and all of a sudden they quit letting me withdraw by check. Now they want me to add a bank account to paypal before I can withdraw my funds. That is totally ridiculous as I never had a bank account. I sell a couple of things a month on ebay and use that to pay some small bills. Now today I even tried to close my account and send check by mail which they told me they can do. But each time I go online to close it it asks me to add a bank account out of the blue ... My last check withdrawal was last month and now they say I cant? I believe what they are doing is illegal. They have had me verify my address, phone number, SSN and all and they act like they dont know me any more. This is very frustrating. I will upload the chat but please forgive my language.
Product: Debt collection

I'm demanding proof of the purchase agreement, contract, or promissory note as evidence of indebtedness to continue to report such information to the consumer report. If such proof can not be provided in a matter of 14 days, it's considered identity theft because your company paid for my information which I did not authorize or consent to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Sent my Dispute off on XX/XX/2022. I told the credit bureaus to " investiage every piece of information '' on the accounts I have listed below. .According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate ACCOUNTS LISTED BELOW XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX