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

I am filing this FTC Identity Theft Affidavit to report XXXX fraudulent account appearing on my consumer FICO ( Transunion ) credit report which I do not recognize as reported and which are the result of identity theft and fraud. An account was opened at ( XXXX XXXX XXXX XXXX on XX/XX/year> under the ( XXXX account number ). These accounts have resulted in several fraudulent late payments appearing on my consumer FICO Credit Report. I demand that the aforementioned fraudulent items be removed from my consumer report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and late payments are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX LOANS {$25000.00} per XXXX ( supervisor of charge off unit ) who called me threatened to harass me XXXX on ( XXXX ) XXXX today at XXXX, XX/XX/XXXX my landline phone. 

Listed twice on all XXXX credit reports illegally charged off XX/XX/XXXX for my identity theft debt I reported to FDIC, CFPB {$14000.00} loan {$69000.00} worth of car loans without keys to any cars. Nj motor vehicle title search salvage title no registration per XX/XX/XXXX. 

XXXX at XXXX XXXX XXXX XXXX ( walk away with keys no car insurance, no Nj XXXX drivers license only {$3000.00} cash down ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Phone : XXXX Fax : XXXX XX/XX/XXXX, I didnt have a Nj driver license in my possession due to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nj ( XXXX landlord ) along with XXXX police XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX who XXXX me several times in XXXX. At XXXX XXXX XXXX, XXXX, Nj XXXX. ( XXXX ) XXXX ( XXXX ) XXXX Along with XXXX XXXX police XXXX XXXX XXXX who saw her alter and steal my license XXXX XXXX XXXX My date of birth XX/XX/XXXX. ( XXXX ) XXXX I didnt work entire XXXX and I didnt live in Nj the entire year. 

I didnt make {$41000.00} annually cause I was homeless the entire year no car. 

I havent filled IRS state and Federal taxes since XXXX per XXXX records.
Product: Student loan

I am writing to dispute inaccurate information that has recently appeared on my credit report regarding " US DEPT OF ED '' account number XXXX. The report states " Creditor can not locate individual/Never late, '' which does not accurately reflect my credit history. 

Under the provisions of 15 U.S.C. Section 1681i ( a ), I formally request that an investigation be conducted into these inaccuracies. I expect this investigation to be completed within 30 days from the receipt of this correspondence. Upon completion of your review and necessary adjustments, I request that you provide me with an updated copy of my credit report and ensure that the corrected information is updated with each credit bureau. 

Please acknowledge receipt of this dispute and provide information regarding the steps taken to investigate and resolve this matter. 

Thank you for your prompt attention to this request. 

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

My Name is XXXX XXXX XXXX I have reached out to the company regarding incorrect information being reported on my report with them. I have been denied bank membership due to inaccurate information these companies are reporting.
Product: Mortgage

I suffered damage to my home in XXXX of 2019 due to a major flood in the XXXX XXXX XXXX of XXXX, TX XXXX. A check was provided to me on or about XX/XX/2019 by XXXX XXXX XXXX. The check was endorsed and sent to LoanCare within 48 hours of the receipt. XXXX responded with a request for documents. Requesting the following : LoanCare Claim Tracking XXXX Loan # XXXX Adjusters Worksheet Waiver of Lein Contractors License Signed Contract W-9 from Contractor All was provided by overnight XXXX. Several days later I called to confirm they had received the information. They said they had but needed the Waiver of Lien on their letterhead. This was provided on or about XX/XX/2019. Checking back several days later they said that the information was not sufficient because the Contractor did not have a Contractor 's License #. This is not available in the State of Texas since Katrina and Ike. Several days later they came back asking for a Surety Bond. I have been unable to locate one that is for a private residence that is not being reconditioned with public monies. I have attempted several times to get the name of anyone in " upper management '' that is referred to by the various call centers I have been routed to. I have requested a phone number to the corporate headquarters on several occasions including today, XX/XX/2019. I had discussions in the last three weeks and was supposed to have been contacted by " upper management '' on XX/XX/2019. As of today I have not been contacted by anyone in LoanCare XX/XX/2019. I talked to three different call centers today. The second call center indicated he would be transferring me to " upper management '' but instead transferred me to another low level call center. This call center would not give me any information about upper management either, but said a Supervisor would be calling within 24 - 48 hours. This is the third time I have been told a supervisor would call. I have not missed any payments to this company, who by the way purchased my loan without my knowledge, and I feel they are being unreasonable in holding the money for the repairs to my home unnecessarily long. The amount of the check exceeds the amount I owe on the home by nearly {$30000.00}. Their liability is far less. In looking at this company on line it appears they are continually indulging in what appears to be fraudulent practices. I need the names and address and phone numbers for the principals of LoanCare so further dialog can be made. Their delay is beginning to impact my abilities to maintain any type of lifestyle. It is difficult to maintain two house payments, the one they hold the mortgage on and other living expenses.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, 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
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 Account Number : XXXX Account Name : XXXX  Account Number: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 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

I WOULD LIKE TO REMOVE ALL OF THESE ACCOUNTS ( Hard Inquiry) THAT ARE NOT SUPPOSE TO BE THERE 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am writing to request the CFPB help. 

There is an invalid item being reported to the credit bureaus. The account is the following : Account information : Company : Wells Fargo.Acc ount Number XXXX Date Opened XX/XX/2013. Account has no limit reported, incorrect last payment date, incorrect closed date ( they are missing information, this is a violation under the FCRA ). 

I tried to solve this with Wells Fargo. On XX/XX/XXXX I sent them a dispute letter. 
They did not even investigate or mark the item as disputed. 

I am demanding a deletion letter, and this invalid item to be removed-. 

Please send the attached document to Wells Fargo. 

Thank you.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : MACYS/CBNA Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Submitted on Time : I made the payments on time ; however, due to a clerical error by XXXX, the payment was not processed until after the due date, resulting in an incorrect late payment entry on my credit report. I have attached a copy of my bank statement and payment confirmation showing the transaction date. 
Inconsistent Reporting : There are inconsistencies in how the late payment was reported across different credit bureaus, which further suggests an error in the data handling by XXXX. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and XXXX, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

This complaint is for all three credit bureaus, not removing information from my credit file and TransUnion requesting information that has already been provided as proof of my identity regarding a dispute. 

XXXX XXXX should be removed from all three credit reports. **Per written document included with this complaint-
Product: Credit reporting, credit repair services, or other personal consumer reports

reporting inaccurate information
Product: Checking or savings account

On XX/XX/XXXX I got a message alert from my Chase app saying {$210.00} purchase was made at XXXX. I immediatley called Chase and reported it, I never lost my card or anything it was in my possession. On XX/XX/XXXX the claim was processed and {$210.00} was refunded back to my debit card account along with the {$34.00} insufficient funds fee. On XX/XX/XXXX I got a message from my Chase app saying my account is overdrawn - {$150.00}, so I called again and was told that from Chase that after investigating it was determined that the charge was not fraudulent and the {$210.00} has been removed from my account. Chase said XXXX told them that XXXX XXXX XXXX Black/White was successfully delivered so that confirms it was not fraud. I am a XXXX customer but I do not buy expensive XXXX. I have 2 sons who are not that size. I ordered from XXXX on XX/XX/XXXX and XX/XX/XXXX for both my sons and each transaction were less than {$120.00}. After speaking to XXXX numerous times today that don't have any documentation of Chase contacting them asking about the shipping details on this shoe.
Product: Vehicle loan or lease

The attachment has the original letter of complaint as The text Box will not let me paste into it. I hope that's acceptable please let me know if that poses any problems with publishing it. Thank you for your assistance I can't tell you how much it means.
Product: Debt collection

I had a credit card with TCF bank some years ago. 
At the time I opened it, they offered me 12 months no interest if the entire balance was paid before if not past the last statement of the 12 months. 
I paid every month during that 12 month period the minimum balance and got no interest charged. 
At the last statement, I paid off the credit card and balance completely, only to receive a statement for the next cycle with an interest charge for the balance I paid off. 
I disputed the interest charge saying that TCF Bank was not honoring the promotional offer they offered me. 
They sent the illegally charged interest to collections, an agency called The Bureaus, and had been damaging my credit score for some time now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the bureau and the company XXXX XXXX on several time.. I have not been late on my payment. They are presently hurt my credit reporting this information inaccurate.
Product: Credit reporting or other personal consumer reports

First I dealt over the course of nearly 1 year with XXXX + 2 other credit bureaus. The account is not mine! I wrote to the company 5 times and called then over 1200 times and they refuse to cooperate.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C Code 1681, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536a ( 1 ) ( A ) as highlighted in the CFPB 's recent administrative proceeding ( CFPB 's XXXX XXXX XXXXXXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. These are the inaccurate accounts XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW.

Please block and remove all erroneous information from my credit report and send me an updated copy.

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within 5 business days of completion. Failure to do so constitutes a violation of my rights.

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ).

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error in the creditors accounting on a statement.

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!.

Collection Accounts listed below in yelow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report. 
Please update my credit report as per law abiding accuracy of data.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing past and present. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Debt collection

I began to receive calls at my cell number from a variety of phone numbers regarding student loan debt for a person with a name similar to mine. Callers would leave a message about 3/4 of the time, stating they were calling from Navient ( with whom I have no accounts ). 
On XX/XX/2020 I called Navient at XXXX and spoke with XXXX, customer service number XXXX. I explained that I have no customer relationship with them, and requested that my phone number be removed from their system. She asked for, and I provided, the phone number. She stated that the number was removed and I should expect calls to cease within 24 hours. 
Since then ( today is XX/XX/2020 ) I have received at least two dozen calls and voicemails, again from various numbers, purporting to be from Navient and requesting callbacks from me. Although I have blocked each number, I do receive an alert each time a blocked number calls, and I have to listen to the voicemails to verify that they aren't relevant to me. 
Phone numbers that have called and left messages claiming to be from Navient include : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX I believe this constitutes unlawful harassment on the part of Navient or their agent.
Product: Checking or savings account

Theres a levy on my account and the bank refused to remove it. The IRS contact my bank and told them to remove the levy. I cant use my account its in nagative {$1400.00}. Their playing games and giving me the run around. Please resolve this issue. My bank is Bank Of America and XXXX XXXX. I have been a member for several years.
Product: Bank account or service

I do not nor have ever had any account with Chase Bank. For two years running now, I have had credit background checks run against me for new apartment leases, and the same Chase account keeps getting listed as a charge-off. I have zero association with this card and it does not belong on my credit report. The card, ending in XXXX was opened in XXXX and closed in XX/XX/XXXX. I thought it was possible the account belong to my mom because she filed for bankruptcy in XX/XX/XXXX when my father died. I have confirmed with her she has never had an account with Chase ending in -XXXX. Regardless of who 's account this was, I am not associated with it, and this needs to be taken off my credit report. I was not even born when the account was opened. 
This is my second complaint to the CFPB. My first [ Case number : XXXX ] was closed immediately after receiving a response from Chase Bank. Their response was simply " no, we can not help you, '' and I was not given an option to re-login to dispute their response. I had to call CFPB to hear Chase 's response and they provided no details or information about what steps they took to investigate or why they came to their conclusion ( that they could not help me ). I have been in contact with XXXX XXXX at Chase Bank Corporate HQ where he was not able to find the account in question. 
Because I do not know anything about this account other than the limited disclosed info on my credit report, I can not provide information to Chase Bank to help them. I was in contact with XXXX XXXX ( XXXX ) at the Chase Corporate HQ after opening my original CFPB ticket and he could not identify the account. This does not mean the problem has went away, according to their response! I am filing this complaint as one against Chase bank ( XXXX different credit agencies reported the same thing ), but there are n't any options that best describe my complaint.
Product: Credit reporting or other personal consumer reports

I am submitting a complaint regarding a charge off on my account that is in violation of the Fair Credit Reporting Act ( FCRA ) section 15 USC 1681. This section of the law states that inaccurate or outdated information must be promptly removed from a consumer 's credit report.

The charge off in question is invalid, yet it continues to negatively impact my credit score and financial standing. I am requesting that this inaccurate charge off be removed from my account immediately to ensure compliance with the FCRA.