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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX  XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent dispute letters to XXXX, XXXX, and Transunion on XX/XX/2020. It has been 30 days and I have not received the results of my investigation.
Product: Credit reporting or other personal consumer reports

Unauthorized Credit Inquiries, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX CAP ONE NA XX/XX/XXXX XXXX XXXX XX/XX/XXXX CAPITAL ONE AUTO FINANCE XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX CAPITAL ONE AUTO FINANCE XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against the XXXX major credit bureausXXXX, Experian, and XXXXregarding significant discrepancies across my credit reports. Each of these bureaus has reported different information, which is inaccurate, misleading, and potentially damaging to my credit profile. Despite my attempts to resolve these discrepancies directly with the credit bureaus, I have not seen a resolution or even a satisfactory explanation for why these errors persist. 

Upon reviewing my credit reports from each of the XXXX bureaus, I have noticed the following discrepancies : Different Collection Accounts : Each credit bureau is reporting different collection accounts, some of which I have no knowledge of or responsibility for.

Inconsistent Information : The same account may be reported differently ( in terms of status, balance, or date of last payment ) across the bureaus, leading to confusion and a lack of clarity in my credit history.

Unverified Entries : Some accounts listed are not verified, and I have not been provided with documentation or verification from the creditors or debt collectors involved. 
These discrepancies are causing severe harm to my credit standing and making it impossible to get a clear and accurate view of my financial history. The lack of consistency across the three reports is not only a violation of my rights under the Fair Credit Reporting Act ( FCRA ) but also creates an environment where I am unfairly penalized based on inaccurate and incomplete information. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure the following : The credit bureaus comply with the legal requirement to report accurate and consistent information. 
The disputed items are corrected or removed based on the results of an independent investigation by your office. 
The credit bureaus are held accountable for failing to maintain consistency in their reporting of my credit information. 
Enclosed, you will find copies of my credit reports from XXXX, Experian, and XXXX, highlighting the discrepancies I have outlined. I have also included any communication Ive had with the bureaus, as well as any responses or lack thereof. 

I request that you keep me informed throughout the resolution process and provide me with a summary of the actions taken to address my complaint. 

Thank you for your attention to this serious matter. I look forward to your prompt resolution of this issue
Product: Debt collection

To Whom It May Concern : I did not authorize Progressive Management System to access my medical records I never signed a hippa form. They violated my hippa rights. remove this immediately from my credit report.
Product: Debt collection

This was included in my Chapter XXXX Bankruptcy but is still reflecting on my credit profile.
Product: Student loan

My wife and i both went to university XXXX XXXX with student loans from XXXX. We were defrauded by XXXX and we are not able to pay the outrageous amount of money they want back. We both received our associates degrees and received loans in the amount {$25000.00} each for our degrees. Our payments were about {$800.00} each after we got out of school, which was about 10 years ago. We were told by XXXX we can just put our payments on hold until we could afford the payment. We now owe about {$60000.00} each on those loans. There is a lawsuit toward XXXX that we would like to be part of. We were defrauded on the loan system. Our names are XXXX and XXXX XXXX.
Product: Student loan

I filed a dispute on XX/XX/2019 to remove student loans which reports missing information on account history and a incorrect balance on the account and they stated the account is accurate but it's not accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. 

XXXX  XXXX PENTAGON FCU XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several unauthorized inquiries on my credit report. As outlined under the Fair Credit Reporting Act ( FCRA ), no entity is permitted to access or publish my credit information without my explicit consent. These inquiries have negatively affected my credit profile, and I demand their immediate removal. 

The inquiries in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under the FCRA Section 604 ( 15 U.S.C. 1681b ), a credit reporting agency may only furnish a consumer report under specific permissible purposes. These include my direct authorization, which I did not grant for the inquiries listed above. As such, these inquiries constitute a violation of my rights under the law.

Further, I would like to reference the Federal Trade Commission ( FTC ) guidance, which affirms that any unauthorized access to a consumers credit report is a breach of the FCRA. Unauthorized inquiries can have a detrimental effect on a credit score, and I am entitled to a resolution. 

I respectfully request : A thorough investigation into these inquiries. 

Removal of all unauthorized inquiries from my credit report. 

Written confirmation of the actions taken as a result of this dispute. 

I have included a copy of my credit report with the disputed inquiries highlighted for your convenience. Additionally, I am providing copies of my government-issued ID and proof of address for identity verification. 

Should you require any further information or clarification, I am available at [ Your Phone Number ] or [ Your Email Address ]. I expect a response within the 30-day period stipulated under the FCRA. 

Thank you for your prompt attention to this matter. 

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

I decided to get my credit pulled due to a couple of collection letters I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX  XXXX {$1300.00} XXXX XXXX  XXXX  XXXX {$2300.00} XXXX   XXXX  XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

MAJR FINANCIAL CORP, Mr . XXXX XXXX .... The basis for my dispute was required to notify me prior to XX/XX/XXXX, or no later than 30 days after MAJR FINANCIAL CORP, Mr . XXXX failed to notify me about reporting derogatory info. to XXXX, XXXX and XXXX. In section 603 ( p ) 15 U.S.C. ss 168s-2 ( a ) ( 7 ) ( A ) ( I ) ; The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after XX/XX/XXXX, furnishing the negative derogatory information to a consumer reporting agency described in section 603 ( p ), 15 U.S.C. ss 168. Reyes v. Wells Fargo Bank, N.A., XXXX XXXX XXXX ( XXXX XXXX. XXXX XXXX, XXXX ) ( using least sophisticated debtor standard to evaluate Rosenthal Act claims against creditor ) ; Thompson v. Chase Bank, XXXX, XXXX XXXX XXXX, at XXXX ( XXXX XXXX. XX/XX/XXXX ) ( refusing to dismiss Rosenthal Act claims alleging that collection calls made on XXXX XXXX, XXXX XXXX and XXXX XXXX were at inconvenient or unusual times ). INACCURATE
Product: Mortgage

Last year in XXXX, I received notification that my acct was short in the escrow for my property taxes. I told United Wholesale Mortgage that I would pay the XXXX dollars instead of my monthly payment going up over XXXX a month. I sent the check, wrote escrow on the check. They cashed my check. XXXX 's statement came, and it was for the higher amount. I called them, they said I haven't paid the escrow. I told them I sure did. You cashed my check as well. They had to do some checking, and promised to call me back. They called me back a couple days later saying they found the check and it was applied. XXXX statement came, and it said I never paid my XXXX payment. I called back, and found out because I didn't pay the escrow, they declined my payment. I told them, I did pay it, you lost it. The representative I talked to said that this never should have happened. And she was going to do some more checking, and call me back. I never heard back. I called them in XXXX and asked what was happening and they acted like they didn't know what I was talking about about. Just saying I was a month behind and I needed to pay it. By then, I didn't have the XXXX payment because of XXXX and other surprise bills. I asked since this was your fault, and you should never have rejected my payment, if you could put that XXXX installment at the end of our mortgage to clear this up. They said no. I have been fighting with them since. And recently UWH has started charging late fees. I now have over XXXX in late fees. Because of their mistakes.. I have never denied that I owe the payment. I am just asking them to fix their mistake. I recently spoke to a " manager '' very rude to me, stating this will never happen, but you can try writing a letter to the presidents office. The denied also stating it doesn't matter what the representatives say. They don't matter. Again all I am asking for, is the late fees removed, and the payment put to the end of my mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 4th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance : {$1300.00} XXXXXXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$280.00} XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with The Fair Credit Reporting Act : XXXX XXXX Account XXXX has violated my rights. 

In Accordance with The Fair Credit Reporting Act : XXXXXXXX XXXXs XXXX. Account XXXX has violated my rights. 

15 USC 1681 section 602A States I have the right to privacy. 

15 USC 1681 section 604A section 2 It also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, These are the accounts that violated my rights. XXXX XXXX XXXXXXXX is not able to show the account number on the Consumer reports just as XXXX. 

XXXX XXXX  XXXX Account XXXX Charged off XXXX XXXX Account # XXXX Charged Off XXXX XXXX Account # XXXX Charged Off XXXX XXXX XXXX Account # XXXX Charged Off XXXX XXXX Account # XXXX Charged Off - Identity Theft Should not be on here was reinserted and this company owes me {$1000.00} based on 15 USC 1681i and 15USC 1681 ( ii ). This account was deleted and put back on my account. 

XXXX XXXX Account # XXXX Chaged Offf XXXX XXXX Account # XXXX Showing late / Incorrect 15 USC 1681s-2 ( a ) ( 1 ) ( 1 ) A person shall not furnish information relating to a consumer to any consumer reporting agency.

15 U.S.C. 1681 section 601 A, States I Have the Right to privacy. 
15 USC 1681eb, About Charge, offs which is canceled debt or as ordinary income and it is canceled debt and the company has filed it on their taxes. So these Chargeoff accounts should not be on Consumer Report 15 U.S.C. 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
15 U.S.C. 1681 Exclusion 15 USC 1602 ( I ) Social Security card is a credit card 15 USC 1682 a ( D ) ( 2 ) ( B ) any extension of credit should not be reported on a consumer report 12 USC 1431 Banks can not extend Loans or Credit because Banks are borrowers off on my Social Security Number which is an Open Ended Credit. 
Along with 15 USC 1602 ( I ) and 15 USC 1602 ( j ), 15 USC 1602 ( N ) 15 USC 1682 A ( 2 ) Permissblabe purposes of consumer reports XXXX closed out an open-ended credit card and violated it by closing the account due to checking the consumer credit report without my permission n and closing the account. 
Please remove the Inquiries I did not give permission to XXXX XXXX XXXX XXXX XXXXs on here 2 times should not be on here period already had an account from 4 years ago.XXXX and XXXX XXXX Also not reporting my Correct name which is XXXX XXXX XXXX XXXX my name is not a derivative. Also should be a report on the file of identity Been Stolen through a Data breach, and a Male that has all my information social security and Driver 's license information
Product: Credit reporting

The credit bureaus have told me that they have verified that this public record is correct but has not showed me how they verified it. A bankruptcy that was placed on my credit files
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing accounts on my credit report due to wrong accounts and information on my credit report
Product: Vehicle loan or lease

In XX/XX/XXXX I leased a vehicle through Chase bank. 
In XX/XX/XXXX I satisfactorily completed the 3 year lease which I had prepaid in one payment at the start of the lease. 
Following the completion of the lease I paid off the residual balance of the lease. In other words I bought back the car by paying off the balance of the lease. 
At that time I expected Chase bank would remove their name from the lease and pass the ownership of the vehicle to me. This did not happened despite numerous requests. Since XXXX attempts have been made to obtain the title to no avail. I have personally requested release of the title 3 times ( every time sending the documentation Chase requested regarding the mileage of the vehicle ). Bank manager of Chase bank ( at XXXX XXXX XXXX, XXXX, AZ XXXX requested the same twice. Chase Private client representative talked to Chase Auto and she was assured the paper work would be mailed immediately. To date, ( 5 moths later ) I still do not have a title or ownership of the vehicle. Meanwhile, he lease residual was paid off by obtaining a loan from another financial institute. The financial institute have requested the title so that they can attach their name as a lien holder. They have been refused the title by Chase bank.. Bottom line, Chase is holding ownership to a vehicle that no longer belongs to them since they have been paid off. In addition, I had to pay for the registration even though ownership has not been transferred to my name. if and when ownership is transferred to me, I have to pay AGAIN for the registration. So basically, losing {$370.00}.

All I am asking is for Chase Bank to get their act together and furnish me with what I am legally entitled to. THE TITLE TO MY VEHICLE. 
This appalling experience is a typical example of a large corporation that can hide their incompetence and arrogance behind their size and get away with it. 
Worth mentioning is that in XXXX I financed a vehicle XXXX XXXX XXXX through Chase bank. In XXXX I paid off the vehicle expecting I would receive a lien release and or title ... ..After many attempts and with the intervention of a local Chase bank manager, I received the lien release in XXXX. That is 32 years later!!!! Based on this, by the time I receive the ownership I will be XXXX year old or dead!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/22 to XXXX credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than XXXX business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXXXXXX, STATE EMPLOYEES XXXXXXXX XXXX  XXXX Balance : {$1000.00}.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding zelles handling of disputes particularly in lights of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institute and Zelle have failed to investigate my claims adequately which has caused me to lose hundreds and thousands of dollars. They have informed me that recovering lost funds was impossible and that tracking these funds/transactions was undoable. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams losing out on their hard earned money! This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Money transfer, virtual currency, or money service

In the process of using XXXX with Chase Bank App to pay AC replacement known recipient of {$1800.00} the system glitch had added a new and unknown recipient with just the phone # only. According to chase fraud claim that they are investing and they are saying that someone had to login under my name or password to have processed the XXXX transaction but did not recognize or acknowledge that a glitch in their system had caused the recipients to change. Specifically to a unknown phone #, it seems that chase claims is covering a known issue and covered by prompt responses from the fraud rep. As a assistant manager for mortgage servicing that has dealt with fraud of unknown items it seems chase fraud is trying to assume the situation and covering up the faulty chase bank app.
Product: Debt collection

This company CALLED MY SISTER and claimed that they had that number as my personal residence. 

This is not true, had never been true, and they are in violation of federal consumer protection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, My name is XXXX XXXX XXXX and I am writing to complain on Equifax for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Personal Statement I have been incarcerated for 5 years and someone use my identity to apply for credit, heres a list of unauthorized inquiries on my credit report that i wish to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All the above inquiries is unauthorized and should be disputed from my XXXX  Report and all 3 Credit Bureaus XXXX Equifax And XXXX Under the laws of the FCRA ( 15 USC 1681-1681u ) these unauthorized inquiries and accounts must be removed.