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

I am writing to formally request the blocking and deletion of certain accounts and inquiries on my credit report that were opened or reported as a result of identity theft related to a data breach. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have such fraudulent accounts removed from my credit file. 
Please block and delete the following accounts due to their fraudulent nature : XXXX - XXXX - XX/XX/XXXX - {$10000.00} XXXX CARD - XXXX - XX/XX/XXXX - {$6500.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$5900.00} XXXX CARD - XXXX - XX/XX/XXXX - {$9100.00} Additionally, please remove the following unauthorized inquiries : XXXX - XX/XX/XXXX XXXX BANK XXXX XX/XX/XXXX XXXX CARD - XX/XX/XXXX XXXX - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Despite providing comprehensive documentation and diligently following the prescribed procedures, it is deeply concerning that the problem persists without resolution. 

This recurring issue not only causes me significant inconvenience but also undermines my confidence in your organization 's ability to manage such matters competently and effectively. It is unacceptable that despite multiple attempts, the late open accounts remain unresolved, raising questions about the reliability and accuracy of your record-keeping processes. 

I urge you to prioritize this matter with the utmost urgency and take immediate steps to correct the late open account entries on my record. Furthermore, I expect to be kept informed of the progress made in addressing this issue and seek appropriate compensation for any damages or losses incurred as a result of this persistent error. With this, I am asking for your assistance to correct these accounts in my credit 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
Product: Mortgage

I was informed today ( after an excessive runaround ) that XXXX XXXX transferred my loan to NationStar. This was incredibly shocking to me since I was NEVER notified in ANY way. XXXX has had my up to date contact information because I have received tax info from the company in the past.Why I was not notified of my loan going to another company I can not understand. When I finally spoke with a NationStar representative I found out I was transferred to NationStar XX/XX/XXXX! They received payment for a couplemonths then it stopped. Apparently XXXX XXXX never gave them the correct contact info for me either ... so they were never able to get in touch with me to tell me about the transfer of my loan or how they were not receiving the payments I was sending. I was then informed I was {$8500.00} behind! And yet I had been sending {$1300.00} a month -every month- and NEVER missed a payment ( actual mortgage payment ~ {$9500.00} ). I understand XXXX may have forwarded XX/XX/XXXX-XX/XX/XXXX to NS. That still leaves XXXX months of payments unaccounted for! That is {$11000.00} XXXX XXXX has STOLEN from me! 
If NationStar is unable to waive the legal fees already associated with my now in foreclosure home ( DUE TO XXXX XXXX ) I believe XXXX XXXX should have to reimburse all fees. Not to mention the severe damage this has on my credit. I was also notified that since I am not active duty I do n't qualify for any security services military members are eligible for ... I AM XXXX, have been since XX/XX/XXXX and am currently XXXX. If I had not been attempting to look up some property tax info on a whim my house would have been foreclosed and I would have never been notified of anything until after it was complete! I had to do all of these phone calls via XXXX to attempt to talk to service reps.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX  Last reported XX/XX/XXXX Original creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor, has violated my rights. 
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 an 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 ( 7 ) 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. 

All the information listed on my consumer report was added through identity theft. 15 USC 1681B clearly states the consumer must provide written consent for anything added to their consumer report. Which means they obtained all information through identity theft because I did not give my consent. That is also a violation of 18 USC 1028A aggravated identity theft and The Privacy Act of 1974, seeing as they shared my Social Security Number. According to 15 USC 1681C-2 the consumer reporting agencies have 4 Business days to block information resulting from alleged identity theft. It has been more than 4 days since they opened their investigation and no action has been taken.
Product: Credit reporting or other personal consumer reports

I had rented a home from XXXX XXXX located at XXXX XXXX XXXX XXXX, KY XXXX in XXXX. There was a dispute between the landlord and ourselves. The landlord went to the courts and we had a hearing with the judge. The judge stated that as long as we vacated by a certain date, there would be no eviction on my record. We vacated by the date specified, and there is no money owed to the landlord. However after reviewing my credit report, the eviction is showing up and is stopping me from being approved for an apartment. I have tried to remove this from my credit with all XXXX bureaus and to this date, I have not been successful. I have mailed, called, and have done everything I can do get this removed. 

Court Case date XX/XX/year>, Case # XXXX, XXXX XXXX, XXXX XXXX : XXXX. 
XXXX ID : XXXX. 

I am trying to get this resolved as I am in the process of looking for an apartment home. 
Can someone please help me? Thank you for your time with this matter. 
XXXX, XXXX Also for some reason, some rental properties are trying to screen me and they are getting an error which states " Credit Bureau Blocked File ( XXXX XXXX ) Information from your inquiry has been identified by the consumer as fraudulent and therefore the credit report is not available for delivery ''. 
I have called all three credit Bureau 's to verify there is not a block/freeze/fraud alert however this is what some landlords are seeing when I am trying to apply.

I have been on the phone with all 3 several times trying to get this resolved. I really need some help if anyone can please help me or help guide me to a resolution?
Product: Credit card or prepaid card

I was out of town in an area with poor cell phone reception from XX/XX/XXXX to XX/XX/XXXX. I received a text on XX/XX/XXXX about a fraudulent charge for {$700.00} made on XX/XX/XXXX from Barclays, which I invalidated by texting back. I received the text a day later as I had no cell coverage on XX/XX/XXXX. 

I noticed a {$550.00} charge that was applied at XXXX XXXX in XXXX XXXX, and a chargeback of - {$550.00}. I informed Barclays that my card was stolen, promptly. 
However, the {$550.00} charge was applied again on XX/XX/XXXX. I did not receive a decision letter, until I asked for one to be sent in XXXX when I noticed the charge. 
I appealed the dispute. They claimed that since chip was used and the purchase was verbally confirmed my request was denied. 

I never came in possession of this card and was not notified that a card was sent. The individual who stole the card managed to activate the card and use it.
Product: Checking or savings account

I had misplaced my debit card and i usually use my XXXX XXXX. I thought somehow my debit card was around but then i started noticing weird things happening. XXXX {$500.00} transactions were withdrawn from my checking making me negative then i see {$1000.00} from my savings i even noticed that they tried depositing a check. So i called Wells Fargo filed a claim i called back to follow up and they stated they can not help me and can not tell me why. Please help
Product: Credit card or prepaid card

My complaint is about a rewards program offered by XXXX XXXX through Capital One. 

I received an email saying I would get 4 % cash rewards on all grocery purchases on my XXXX XXXX XXXX ( an account I already had ). The succeeding month all my purchases on the card were groceries but my rewards balance was only 1.9 %. I checked my online access to determine how rewards are calculated, but there was no detail of which purchases received what percentages. I would never have used this card had I not been promised these lucrative cash rewards of 4 %, so I believe this is a very misleading advertising.
Product: Debt collection

They had XXXX people call me and say they are coming to my work and residence with the police and that I will go to jail. They are now calling my wife and saying the same thing that they will be out today with the police. I do n't even owe this and I requested they send me a copy and they refused. This is very unprofessional for this company to call and make threats and then call my wife with the same thing. That is why they need to put these loan companies out of business. The companies name is XXXX is name is XXXX XXXX and NCR XXXX XXXX they are very rude people.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote to XXXX  ; XXXX  and XXXX  Credit Reporting Agencies on XX/XX/2018 to challenge the reporting and compliance of a closed account reported reporting under account number XXXX with a balance of {$3200.00}. This information is misleading and is reporting serious factual errors. My identification has been comprised and I am following the instructions of the FTC by thoroughly reviewing my credit and this is when I came across factual errors regarding the account status and account information. The company Exeter Finance is reporting a partial account number, and this partial identification has hindered the completion of this process. This closed account that is reporting incorrect information it one of ( 2 ) accounts with the same account number being reported by Exeter Finance and it is causing confusion and havoc to my credit and needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a data breach letter from XXXX and XXXX. I have tried disputing the items on my report but was told there is nothing no one can do. I should only have one account XXXX XXXX  I have so many inquiries and accounts that I know nothing about like Bridgecrest and XXXX. I have contacted IDENTITYTHEFT.GOV and submitted a complaint as well XX/XX/2019
Product: Checking or savings account

My XXXX account has unauthorized transactions going on over the last 3 months, and when I tried to dispute it, I am unable to reach anyone in customer service. Then atm fees, and overdraft fees are being overcharged on my account as well. 

Found Business Account was closed during a dispute process and was never able to retrieve missing funds or gain access back into my account. They said they closed it, but when I checked on it, I was told the account was still open and active. 

Providers Bank Card fraudulent and unauthorized transactions from the month of XXXX XXXX XXXX  Normally they assist me in any matter that I have but providing this information for my records and your records as well. 

Wells Fargo still haven't reimbursed me the funds that was fraudulently taken from me and from my XXXX benefits through this account, Forged signature accord to have this account closed, and they been telling for over a year that they will come to a resolution but then hear nothing from them. After we both agreed this account was fraudulent and compromised.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights 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. 

remove these accounts listed ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

I mailed all paperwotk and payoff amount on XX/XX/XXXX via certified mail Delivery receipt on XX/XX/XXXX I called on XX/XX/XXXX to inquire of status and was told odometer disclosure was invalid due to handwritten correction. I resent via docusign and received email confirmation of receipt. 

On XX/XX/XXXX the check that was mailed o XX/XX/XXXX was cashed. 

On XX/XX/XXXX i again called to inquire status and was told the odometer disclosure was never received. I once again submitted via docusign and received email confirmation of its receipt. 

On XX/XX/XXXX I called again for a status update and was told odometer statement was received XX/XX/XXXX on still in process. He placed a rush request and estimated i would receive the week of XX/XX/XXXX. 

On XX/XX/XXXX I called to check status and was told it was still in process and would have on XX/XX/XXXX. 

On XX/XX/XXXX i called for status and was initially told they were still awaiting the odometer disclosure. I read the timeline at which point it was acknowledged that all paperwork was in order. I am still on phone with supervisor to determine why i have not received my title and sale documents. I am unable to register my car for nearly three months after payoff.
Product: Credit reporting or other personal consumer reports

I looked at my credit report, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

They sent me investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate. 
And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

XXXX XXXX The furnisher name has violated my consumer rights according to WHAT THE LAW CLEARLY STATES : 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. 
( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate and shall not thereafter furnish to the agency any of the information that remains not complete or accurate. 

( XXXX ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

Delete this inaccurate account from my credit report.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX Address:XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX XXXX DOB : XXXX XX/XX/XXXX Dear CFPB : By the provisions of the Fair Credit Reporting Act 15 U.S.C 1681 ( L ) A consumer reporting agency can only furnish something in accordance with the written instructions of the consumer to whom it relates to. I am writing to delete the following information from my consumer report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I demand that the items be deleted to correct my consumer report immediately.

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items immediately. 

XXXX XXXX XXXX XXXXXX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report XXXX! 
XXXX XXXX XX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX XXXXXX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX XXXX XX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX XXXX XXXX XX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report XXXX! 
XXXX XXXX XXXXXXXX XX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX XXXX XX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX XXXX XX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report XXXX! 
XXXX XXXXXX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX Account number : XXXX, I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX XXXX| Account number : XXXX, I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX XXXX XXXX Account number : XXXX, I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX XXXX XXXX Account number : XXXX, I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX XXXX Account number : XXXX, I was a victim of identity theft. Delete it from my credit Report Today!
Product: Credit reporting or other personal consumer reports

I am writing to formally request an investigation into XXXX regarding account # XXXX. I require a complete Audit Trail of this account, as well as verification of the debt in accordance with Generally Accepted Accounting Principles ( GAAP ) and International Financial Reporting Standards ( IFRS ). Additionally, I request a copy of your Tax Registration certificate. 

Inability or failure to substantiate the claim by XXXX will require the account # XXXX to be recorded as paid in full/settled, and the reporting of this account to all Credit Reporting Agencies and Data Furnishers must be eradicated immediately .

According to IRS guidelines, even if a Form 1099-C is not received, canceled debt must be reported as gross income. Additionally, the IRS defines a Charge Off as gross or ordinary income, which should not be reported on a consumer report. This renders XXXX reporting of this account inaccurate. 

Under 15 U.S. Code 1681s2, furnishers of information must provide accurate information to consumer reporting agencies. Therefore, I request proof of the 1099-C filed when account # XXXX was charged off/canceled.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted each credit bureau separately as well as the courts they claim furnished the information being reported on my file. A Chapter XXXX bankruptcy is being reported on all 3 credit bureaus. They all have inconsistent and incorrect information. Further more they are supposed to verify this information with the ORIGINAL furnisher not a 3rd party. The courts listed on my report have provided me a letter in writing stating they did not and do not furnish consumer 's data to any 3rd party. That being said the information is not only inaccurate but being reported without verification. The information listed below shows what's reported on my file for each credit bureau. Starting with XXXX  the filing date is listed XX/XX/XXXX however Equifax lists XX/XX/XXXX which is correct where is the verified source of this information. Next the reference number is different on all 3 reports as shown below. The Court name is also listed differently on all 3 reports as well. Lastly the closing date shows on 2 of the reports however is left blank on Equifax. Per the Fair Credit Reporting act this information is supposed to reported accurately without any inconsistencies and it MUST be verified by the original source not a 3rd party. If it can not be verified included original documents with my signature confirming the account it must be removed. Where are the records that I signed showing this Chapter XXXX filing actually belongs to me? Where are the records that show the information being reported is true and accurate especially with the difference of information being reported within all 3 bureau 's. See below for the information I am speaking of. 
XXXX  Reports Type : Chapter XXXX Bankruptcy Status : Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Closing Date : XX/XX/XXXX Asset Amount : XXXX Court : U.S. Bankruptcy Court Liability : XXXX Exempt Amount : XXXX XXXX  Reports Type : Chapter XXXX Bankruptcy Status : Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Closing Date : XX/XX/XXXX Asset Amount : XXXX Court : US BKPT CT FL XXXX Liability : XXXX Exempt Amount : XXXX Equifax Type : Chapter XXXX Bankruptcy Status : Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Closing Date : Asset Amount : XXXX Court : Federal Liability : XXXX Exempt Amount : XXXX
Product: Credit reporting or other personal consumer reports

I formally dispute Inquiries on my credit report with Equifax about False Inquiry on my credit report. Equifax is in Violation of reporting inaccurately Inquiry on my credit report all false and fraudulent inquiry. Under 15 U.S. Code 1681b permissible purposes of consumer reports I never gave No One any written consent to report anything on my consumer reports no consent is Fraud and Under 15 U.S Code 1602 ( p ) - Unauthorized use of my Information. Remove all of the fraudulent Inquiry off my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX