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

I am writing to formally request the blocking and deletion of the following accounts and inquiries from my credit report. As a victim of a data breach, I am entitled to have these entries removed to protect my credit, pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) XXXX ( b ). 
The accounts in question are as follows : XXXX. XXXX XXXX XXXXXXXX - Account Number : XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - Account Number : XXXX - XX/XX/XXXX - {$0.00} The unauthorized inquiries are as follows : XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXXXXXX XXXX  XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, California XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the accuracy of the following items listed on my credit report : XXXX XXXX XXXX Charge Off Account XXXX XXXXXXXX XXXX XXXX Charge Off Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXXXXXX Charge Off Account DEPT OF XXXX XXXX Charge Off Account DEPT OF EDUCATION/XXXX XXXXXXXX Charge Off Account DEPT OF EDUCATION/XXXX XXXXXXXX Charge Off Account DEPT OF EDUCATION/XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX Collection Account XXXX XXXX XXXXXXXX Collection Account XXXX XXXX XXXX Collection Account XXXX XXXX XXXXXXXX Collection Account XXXX XXXX XXXX Account XXXX XXXX XXXX Collection Account XXXX XXXX XXXX XXXX Collection Account XXXX XXXX XXXX XXXX Collection Account XXXX XXXX XXXX XXXXXXXX Collection Account XXXX XXXX XXXX XXXX Collection Account XXXX XXXX XXXX XXXX Collection Account XXXX XXXXXXXX Collection Account I believe that these items are inaccurate and/or incomplete, and I request that they be removed from my credit report as soon as possible.

I also want to bring to your attention that the inclusion of these items on my credit report is causing me significant emotional distress. The stress and anxiety caused by the negative impact on my credit score and the potential implications on my financial future have been overwhelming. 

As per the Fair Credit Reporting Act, I have the right to dispute any inaccurate information on my credit report. I request that you investigate the accuracy of the items listed above and provide me with a written response detailing the outcome of your investigation. 

Thank you for your attention to this matter. 

Sincerely, XXXX 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  Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a 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 instruction

s 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: Mortgage

Bank I had taken loan out with recently sold mortgage and Shellpoint Mortgage Servicing is new servicing agent. They asked for copies off insurance and I have faxed them proper papers ( XX/XX/ XXXX  ), then emailed them ( XXXX ) prior papers ( AS SAID NO RECORD ). TODAY I RECEIVED ANOTHER LETTER STATING THEY DID NOT HAVE AND CONTINUE TO THREATEN ME WITH HAVING TO PAY EXTREME AMOUNTS FOR INSURANCE. Shellpoint Mortgage servicing loan # XXXX. I have never had a problem with prior company and have less than 5 years left on mortgage. 

Companies like Shellpoint are praying on the elderly and trying to cause us mental anguish. Obviously they do not have their act together and should be heavily fined and have to provide restitutions to the borrower.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX account XXXX XXXX XXXX, account number 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. Also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Personal Information : Also Known As : XXXX XXXX Also Known As : XXXX XXXX Also Known As : XXXX XXXX Former : XXXX XXXX Former : XXXX A XXXX Former : XXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXXXXXX Employers : XXXX XXXX Employers : XXXX collection/charge off : XXXX XXXX XXXX XX/XX/XXXX {$3900.00} XXXX XXXX XXXX XX/XX/XXXX {$14000.00} XXXX XXXX XXXX XX/XX/XXXX {$56000.00} late payment : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Goldman Sachs Apple Card Credit card issued by the above entity was randomly closed and no reason for account closure was sent. Payments were made and possibly because a balance remained. It is also possible that my personal phon was compromised in a way that made have multiple characters posing as me. 

Name : XXXX XXXX XXXX XX/XX/1992 Heritage : XXXX Current : XXXX XXXX XXXX XXXX Possible Identity theft. 
My SS XXXX XXXX reported stolen passport XXXX One renewed passport in Texas post office And passport card. 
1 temporary passport issued at foreign embassy.
Product: Checking or savings account

I had XXXX $ in funds from my account used in unauthorized transactions. I received an email from chase stating that my debit card had been added to XXXX XXXX  on XX/XX/XXXX, then a total of nearly 8 charges ranging from XXXX $ ensued in the following minutes meanwhile I had called the number on the back of my card immediately notifying and thus freezing and disabling my card. The charges all contained names that lead me to believe that they were done in XXXX XXXX, XXXX which I have no connection to and have never been to or purchased anything from. I then filed and waiting on calls for numerous hours which proceeding into me receiving provisional credit and a new card. Then on XXXX I receive an email stating the provisional credit of XXXX $ was being removed on my account on XX/XX/XXXX, an amount that is extremely large. How could my bank see charges totaling XXXX $ to a foreign country and recieve my call while it has happening and still not consider it fraud
Product: Debt collection

Dear CKS PRIME INVESTMENT ; I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. 
The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : 1. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter.

2. Legal basis for the collection of this debt.

3. Proof of your authorization to operate in my state.

4. Evidence of the alleged debt, including any contracts or agreements bearing my signature.

5. Complete account history, inclusive of all collection-related charges.

I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions.

Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or abuse in connection with debt collection.

* 1692e : Use of false, deceptive, or misleading representations.

* 1692g ( b ) : Failure to properly disclose my rights.

* 1692f : Use of unfair or unconscionable means to collect a debt.
Product: Student loan

I co signed loans for my XXXX children through NJ Class. We got into billing disputes regarding unsent billing and other billing errors. We 've made monthly payment but its not what XXXX says we owe. We 're paying the loan, we just disagree on the amount. Now they are attempting garnishment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report late payments on my credit report. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or customer service representative. 

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

I asked the credit agency Equifax to contact my student loan compies and inforn them that they were reporting all my loans as past due for the years XXXX both loan companies and Equifax have not corrected the student accts with past due payments. the acct should be currect and in good standing due to forbearences and deferments for all four years, current till this day.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE FILED A DISPUTE IN TO REGARDS OF THE INCORRECT ITEMS ON MY CREDIT REPORT. IT BEEN WELL OVER 30 DAYS AND I HAVEN'T RECEVIED ANY INVESTIGATION RESULTS.
Product: Credit reporting or other personal consumer reports

I have seen my credit scXXXX decrease dramatically in the last 2 months. There is a company named ED financial that has several bad crediting accounts from 2009. These debits are not accurate and not by FCRA guidelines and I'd like them to be removed immediately. I have worked very hard on keeping a good credit score and this has caused issues for my plans in wanting to buy a home in the future. I have mailed off a letter today to ED financial, XXXX XXXX and to XXXX. I do not know what these accounts are even for, and I have not received any correspondence from them. Please help with getting these charges off my record ASAP.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : 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

see Equifax attachment please remove it FTC or HIPPS, FCRA violations
Product: Checking or savings account

I recently started a savings account with USAA in the amount of {$35000.00}. It's been about a month now. I have since reconsidered the viability and reliability of this bank. They will not let me access or transfer my funds because they say it's " too new. '' I want my money out of their hands and back into my savings account at XXXX XXXX XXXX. 

Surely this is not legal? Can you please help me get my money back? 

XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

Almost {$600.00} of my financial aid was taken from someone in a foreign country and the bank keeps telling me they will send me a dispute form to fill out but I never received it. They then told me to fax them but claim that they never received it. It 's been over two weeks and I have n't gotten an update or anything.
Product: Money transfer, virtual currency, or money service

On numerous occasions, Block Inc. ( Cash App ) denied my legitimate refund requests while repeatedly asking for excessive personal information, which felt intrusive and unnecessary. Despite providing all requested details, they failed to resolve the disputes fairly. Additionally, they closed my prior account without justification, leaving money in the account that I was unable to recover. They essentially took my funds without explanation or recourse, forcing me to create a new account to continue using the service. Their actions have caused significant financial stress and frustration, raising serious concerns about their handling of customer funds and personal information.
Product: Credit reporting or other personal consumer reports

I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report.
Product: Consumer Loan

TD Bank consistently applies my payment significantly after they receive it. This is resulting in higher than disclosed interest charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX : {$1800.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account Immediately. 

XXXX XXXX XXXX XXXX : {$2800.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX XXXX XXXX XXXX : {$1000.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

CCI XXXX XXXX XXXX : {$160.00} - This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous items reporting on my Credit Report and need to update or remove from reporting : XXXX****-Balance {$51.00} XXXX XXXX*-Balance {$14000.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX {$0.00} XXXX Amount : $ XXXX Filed/Reported : XX/XX/2019
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Erroneous and Inaccurate Information on my Credit Report XXXX XXXX ( Last 4 digits of SSN : XXXX ) Dear Sir or Madam This letter is a formal complaint that you are reporting inaccurate and fraudulent credit information on my credit report. I would like to inform you that I am a victim of Erroneous and Inaccurate Information on my Credit Report, which led to the posting of false information. The Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ) clearly states that the federal Law requires you to provide a verifiable proof for the alleged items,, specifically the contract, note or other instrument bearing my signature and showing my association to the Fraudulent Account and Inquiry listed below. 

I do not recall giving authorization nor signing any documents to give access to my credit history, therefore the account and inquiry below are fraudulent and violate my rights Title 15, Chapter 41, Subchapter III, 1681b ( c ) ( 1 ) ( A ) of the US Code : Transactions Not Initiated by Consumer. 

The Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 5 ) ( A ) ( i ) state that your failure to provide a Valid and Verifiable Proof obligates you to immediately REMOVE the UNVERIFIED and FRAUDULENT account listed below. 

FRAUDULENT AND INACCURATE ACCOUNT THAT SHOULD BE DELETED : XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX Collection {$390.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) Account number : XXXX Collection {$1400.00} I have contacted your organization previously to remove invalid and inaccurate information that does not belong to me and to put my file on fraud alert. It has been longer than the 30 days since I sent my previous request for correction but you have clearly failed to take any actions. The FCRA Section 616 & Section 617 for your failure to comply with the Federal Law Moreover, I intend to enforce my right under the FCRA nad to pursue rightful litigation in this matter should you fail to comply. 

I have enclosed here copies of my Driver License and Social Security Card, as well as significant excerpts from the applicable FCRA Sections for your reference and perusal. 

Furthermore, I urge for the removal of inaccurate addresses showing on my credit file. The only address that i have lived in is XXXX XXXX XXXX XXXX PA XXXX and it should be the only address reflecting on my credit file. 

I look forward to receiving a corrected copy of my credit report with the above-mentioned invalid and inaccurate information already deleted. 

Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Last 4 digits of SSN : XXXX DOB XX/XX/1994
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XX/XX/XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. 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 as soon as possible. 
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 4 business days after the date of receipt. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!

Base on, 15 U.S. Code 1666 ( a ) Written notice by obligor to creditor ; time for and contents of notice ; procedure upon receipt of notice by creditor ; because I am a victim of identity theft! Please remove these accounts as soon as possible!
Product: Credit reporting or other personal consumer reports

My information was exposed in a nationwide data breach, which involved the fraudulent handling of my personal identity information being exposed, used, and false reporting from unauthorized creditors.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts should not be reporting on my credit file, at this point these accounts are fraudulent and therefore I'm demanding that they be removed. 

1. Acct XXXX XXXX {$110.00} 2. Acct XXXX XXXX {$70.00} 3. XXXX XXXX  Account 4. XXXX XXXXr Account
Product: Credit reporting or other personal consumer reports

I pulled my report and seen some fraudulent hard inquiries on them, and I need them removed immediately.
Product: Money transfer, virtual currency, or money service

I received tax services from a Tax preparer by the name of XXXX XXXX via XXXX XXXX services a legitimate business. After she prepared my taxes I was made aware that I owed taxes and there was a payment plan set up for me. I paid the preparer via cash app with the memo field stating tax payment. Later I found out that she never made the payments. I spoke with her boss who stated that she was the only one who could make payments for clients and XXXX should've gave her the information to do so. She demanded XXXX refund all of my money or face consequences and possible termination. XXXX did not return the money after several attempts. I made a request via Cash app to be refunded she denied them all. I submitted several disputes since XXXX of XXXX  with Cash app and they denied my claim verifying it as authorized and not fraud based on the evidence the client had submitted and to contact my bank who also denied it and told me to contact cash app. I filed a police report and contacted authorities in her state as well for a small claims suit but have still yet to locate her. Cash App 's wrong doing was not providing me a copy of the requested information. Then later they completely closed my account for harassment for trying to recoup my funds. My account is now closed permanently despite the police report, XXXX 's own statement apologizing for stealing my money from my account, Statement from the IRS, statement from her boss, and an active lawsuit, with consequences of me not be able to have an account any longer. This is unfair and unjust.
Product: Credit reporting or other personal consumer reports

Fifth Third Bank is reporting inaccurate accounts on my consumer reports which has affected the ability to maintain credit. This account does not belong to me. Anyone can open a fradulent account online. Where is the orginal contract with my signature. How did they verify an account is accurate that was opened online.
Product: Mortgage

We would like a loan modification we can afford. The servicer is giving an interest rate of 4.625 % which increased from the original 4.5 % interest rate. 
We would like to exceed the 25 percent Principal and Interest reduction because we can not afford the payment. 
Handbook 4000.1 III.A.2.o.iii ( C ) ( 1 ) and ( 2 ) at : https : //www.hud.gov/program_offices/administration/hudclips/handbooks/hsgh