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

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX 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
Product: Checking or savings account

I was scammed and had {$440.00} taken out of my account. Immediately after the amount was debited from my account, I received my check. I contacted Wells Fargo and let them know this had happened and they basically sent me a letter saying that my account wasn't negatively affected. I was sent into debt and had trouble paying my bills. When I wanted to close the account, they didn't do so. I racked up {$160.00} in overdraft and overdraft fees.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX " As indicated by the Fair Credit Revealing Demonstration 15 USC 1681 segment 602 a states " There is a need to safeguard that buyer detailing offices practice their grave liabilities with decency, unbiasedness, and a regard for the shopper 's on the right track to protection. '' XXXX and Experian are purchaser detailing offices and I'm the Shopper. I reserve the privilege to ensure my confidential data isn't shared which is supported by 15 USC 6801 which states '' It is the approach of the Congress that each monetary establishment has an agreed and proceeding with commitment to regard the security of its clients and to safeguard the security and classification of those clients ' nonpublic individual data. '' ( Furnisher of data to credit organizations ) is a monetary foundation by definition under that title. 15 USC 1681 segment 604 a part 2 expresses that " In everyday Subject to subsection ( c ), any buyer revealing organization might outfit a purchaser report under the accompanying conditions and no other : as per the composed guidelines of the purchaser to whom it relates. '' ( Furnisher of data to credit organizations ) the monetary establishment and the Shopper detailing offices XXXX and Experian don't have my agree to outfit this data and they certainly don't have my composed assent. All agree to XXXX, Experian, ( Furnisher of data to credit organizations ) whether it be verbal, non-verbal, composed, inferred or in any case is renounced. 15 USC 6802 ( b ) ( c ) states that " A monetary foundation may not reveal nonpublic individual data to a nonaffiliated outsider except if the buyer is given a clarification of how the purchaser can practice that nondisclosure choice. '' ( Furnisher of data to credit organizations ) Never educated me regarding my entitlement to practice my nondisclosure choice. Not just that 15 USC 1681C ( a ) ( 5 ) states '' Besides as approved under subsection ( b ), no shopper detailing organization might make any customer report containing any of the accompanying things of data Some other unfavorable thing of data, other than records of convictions of violations which predates the report by over seven years. '' This record is an unfriendly thing they are detailing again without my consent which is illegal. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states " An individual will not outfit any data connecting with a shopper to any customer detailing office on the off chance that the individual knows or has sensible reason to accept that the data is erroneous. 15 U.S. Code 1681e states '' Each shopper announcing organization will keep up with sensible methods intended to stay away from infringement of area 1681c of this title and to restrict the outfitting of buyer reports to the reasons recorded under segment 1681b of this title. '' XXXX and Experian are not keeping up with sensible methodology. Likewise 12 CFR 1016.7 states that " A shopper might practice the option to quit whenever. '' I'm quitting your revealing administrations. ''
Product: Credit reporting

Information on there that should n't be over 7 years old disputed things never taken off with proven paperwork car shopping inquiries with in a XXXX week period being charged as high inquiries never new some shopping at just XXXX car dealer if I do n't like the deal at financing I do n't have to agree it 's not fair car dealer sends XXXX or XXXX banks and I get points lowered because car dealer slung my deal to XXXX banks guess I 'm to have cash for every thing
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I was a victim of identity theft. Someone has stolen my data and created negative accounts. I want to remove negative accounts from my credit report. I have sent the complaint letters to credit Bureaus to remove these accounts. These accounts are decreasing my credit points. But, they are not removing them. Please remove all negative accounts from my credit report as soon as possible.
Product: Mortgage

In XXXX I was told by the loan processor at Pulte Mortgage that the underwriter does not need my tax transcripts for XXXX  and will accept my W2 to verify my income, while having XXXX tax returns. 6 days before closing on XX/XX/XXXX, I was notify that I have to file my taxes after I notify the lender I have file an extension with the irs, they reassured I have to file my taxes early and that it was a XXXX XXXX guidelines, which they already had my previous 2 years tax returns. There was a payment due for my taxes, which I applied for 180 day extension. The underwriter notify me that I must pay my tax bill that isnt due til XXXX before closing, so I proceed to pay the tax bill on my CC. The underwriter and now forcing me to pay off my credit card part of closing while my DTI XXXX %. I do not believe the underwriter has the ability to force me to file my taxes early and pay my tax bill before its due. I do not blame anybody besides the Underwriter for my loan
Product: Credit card or prepaid card

I rented a car from XXXX at their Denver International Airport location on XX/XX/XXXX. I returned the car in perfect condition with a full tank of gas on XX/XX/XXXX at XXXX am. That location is not open at that time. I parked the car in the return section and placed the keys in the return box per Budgets policy. I then boarded Budgets shuttle and flew out of Denver International Airport to St Louis. I was then charged over {$4000.00} dollars for not returning the car on time. I did in fact return the car on time and boarded my flight. I attempted to contact XXXX and they would not help me resolve the issue. I then talked with Capitol One about removing the charges. They gave me the run around for several months before saying that I was responsible for the fraudulent charges. All of these cars have GPS tracking. If XXXX looked at this information they would find that the car was at their location on XX/XX/XXXX at XXXX. They would also see me returning their car on their video cameras.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to all 3 credit reporting agency XX/XX/2021 and let them know i was a victim of identity theft. I uploaded supporting documents Identity theft report and also police report. XXXX said the information is verified because i didn't include all items on my identity theft report so they never blocked these items. They knownly violated my Consumer rights according to Section 605B and 623 ( a ) ( 6 ) ( B ) of the FCRA. They also violated 15 U.S. Code 1681i - Procedure in case of disputed accuracy.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Louisiana XXXX SS # XXXX XXXX XX/XX/XXXX XXXX Greetings to whom it may concern, Equifax XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXXXXXX XXXX XXXX. 
XXXX XXXX XXXX : XXXX XXXX, XXXX + XXXX XXXX XXXX. 


Please see all highlight activity which is considered to be fraudulent activity. 
Please take a look at the information that I am disputing on my credit report, this information is inaccurate on my credit report. I am sending a copy of my credit report and inaccurate information on my account. This information is not mines and need to be addressed. Please correct information concerning all these accounts. ( Please see attached ) I am asking for a full investigation. Please fix this report effective and immediately. Also I am disputing the credit inquiries that are not mines and needs to be removed. 
Please send me written confirmation, also include proof that youve complied with section 623 ( a ) ( 4 ) of the Fair Credit Reporting Act to the National Credit Bureaus.

Thank you for your cooperation. If you have any questions concerning this matter I can be reached at phone number above. 

Thanks in Advance
Product: Mortgage

In XXXX 2006 my XXXX year old Father who I am guardian of now, took out a mortgage loan with Fifth Third bank. It was considered a cash out refinance with my fathers desire to pay off medical bills from his deceased wife XXXX XXXX who died of XXXX the year before. There was no appraisal done on the home located at XXXX XXXX XXXX, XXXX, Ohio XXXX. The loan amount was {$110000.00}. At that time, there was no house within a mile radius worth {$110000.00}. I am assuming they used some some of automated valuation system or the loan was a 125 % predatory loan. The rate is 7.375 % and the loan is being held by Fifth Third bank because it was n't salable to XXXX or XXXX XXXX due to the value placed on the property. This caused my father to not be able to take advantage of the HARP or HASP program or any other type of loan produce due to the loan to value issue. My estimation of the value of the property today would be approximately XXXX to XXXX Dollars due to the massive amount of foreclosures in his neighborhood and general property value decline based on the neighborhood. My father is in a XXXX now and there is no possible way of selling the home for the amount he owes which is {$100000.00}. We contacted Fifth Third bank and asked for a principle reduction on the loan but was n't considered. They suggested a deed in Lieu of Foreclosure which we did not do. Foreclosure proceedings have begun and I am now researching filing bankruptcy to protect my father financially for any future ramifications of a foreclosure. My father is a retired teamster. He worked 40 years as a XXXX making a good decent living. The expense of my step-mothers XXXX took a toll on their finances and when she passed away his only true asset was his home and was forced to refinance and take cash out to pay off medical expenses. He was taken advantage of by Fifth Third bank when they gave him a loan that was never going to be paid off nor ever have the ability to sell his lifelong home for enough to pay off the loan. The money he receives now is needed for his care. Fifth Third Bank knowingly made a loan to him at an over inflated value to incent him to sign the papers at a desperate time of his life. Shame on them.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I have identified fraudulent activity that has caused significant concerns, and I kindly request these hard inquiries be removed immediately as they are fraudulent and not mine nor have I authorized them. 

The details of the disputed fraudulent inquiries are as follows : XXXX XXXX  XXXX VIA DEALER 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 These inquiries were not made by me, and I believe my identity may have been compromised. Please conduct an investigation into this matter and correct my credit report by removing the inaccurate information as soon as possible. 

I have enclosed copies of my Drivers License and Social Security Card to prove my identity, as well as any supporting documents ( FTC Identity Theft Report ).
Product: Debt collection

Sallie Mae has been calling my co-signer 's place of work and leaving personal finance information. I called Sallie Mae on XX/XX/XXXX  and requested they stop calling that office, and even provided updated contact information. They have continued to call her office, and it has now put her at risk for termination because it is disrupting the work place. Sallie Mae also calls my co-signer 's husband 's cell phone, threatening to take money from his bank. He is not on the loan ( s ) at all. Sallie Mae also called me and my cosigner more than 7 times in 7 days, using multiple numbers. When I agreed to a payment plan, there was a pending transaction in my bank on XX/XX/, but the transaction fell off and nothing went through. I confirmed with my bank that if they showed up as a pending transaction, then they could charge my checking account. Instead, Sallie Mae backed out of the transaction before the XX/XX/XXXX  due date, did NOT call me, then later, in XXXX, said the banking account zip code was incorrect, and they were disqualifying me from the repayment program. On XX/XX/XXXX  I received an email late in the day saying there was an issue with payment, but I did not get a call or other correspondence, even though I set up the payment by phone with their agents before XX/XX/. I also scheduled 2 additional payments, showing I was committed to the payment plan. Last time I spoke to Sallie Mae on XX/XX/, they offered a settlement around {$25000.00} which I can not afford ; their second resolution offer included a {$7000.00} down payment, reducing my interest rate to 0 %, and allowing a payment less than {$200.00} per month. I am willing to do a payment plan for less than {$200.00} per month, 0 % loan interest, and {$0.00} down payment.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of addresses that I have never lived at before, Accounts and bogus inquiries. 

This address was used to open accounts in my name : XXXX XXXX XXXX, XXXX These are the accounts in my name that stems from the identity theft : XXXX XXXXXXXX XXXX XXXX ACCT # XXXX {$37000.00} OPEN-XXXX XXXX ACCT # XXXX OPENXXXX {$37000.00} These are the inquiries that are fraudulent on my credit report : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX 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 A copy of an FTC report listing the ACCOUNTS opened in my name is enclosed. My consumer FICO credit report now contains a fake address as a result of these accounts. A copy of your consumer FICO credit report, which includes the aforementioned bogus address. The aforementioned addresses, as reported, are unfamiliar to me. I never began using the aforementioned address that are listed on my consumer credit record that you maintain. The address listed above is the product of fraud and identity theft. I've included a copy of the FTC Identity Theft Criminal Complaint # XXXX and XXXX police report # XXXX ) as official documentation from the US Federal Trade CommissionXXXX PD demonstrating that the address, Accounts and Inquiries listed above are all the product of fraud and identity theft.
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. 

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

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX - XXXX of 2017 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting or other personal consumer reports

Per the FCRA, as a federally protected consumer, I have submitted a request to now opt out of any and all authorization, I the consumer, may have given to the below creditor - written, unwritten, verbal & non-verbal per 15 USC 6802 & 16 CFR Part 313 which [ in summary ] states that it is a violation of my rights to report personal & nonpublic information to a third party. This should be effective immediately & indefinitely. Below is a detailed description and the specific information that I am requesting to be reflected in my consumer report moving forward per the Privacy Act of 1974. 

XXXX ) XXXX XXXX XXXX XXXX : Inaccurately reporting late payments. In accordance with the Fair Credit Reporting Act, furnishing any account activity without my written instructions under 15 USC 1666b ; a creditor may not treat a payment on an open end consumer credit plan as late for any reason.
Product: Credit reporting or other personal consumer reports

It seems that under FCRA 605B, we are obligated to remove any incorrect accounts from my credit report. Can you verify the documents? Some of the listed accounts contain errors in their reporting, amounts, and dates.
Product: Mortgage

We refinanced our mortgage on XX/XX/19 with XXXX XXXX XXXX and our loan was immediately purchased by Stearns Lending LLC. We received our first statement on XXXX with a due date of our payment on XX/XX/19. Our Payment was for the the amount of {$6700.00}. This amount was for XXXX toward principal and rest should of have been posted towards escrow and interest. On XX/XX/19, we received notice that our loan had been sold again to XXXX. When receiving notice from XXXX the  account balance did not include the payment that was made on XX/XX/19. After making several calls to Stearns we were told once that the money would be sent back to us, another time that the forwarded onto XXXX, a third call which said we need to be patient and need to check back, and finally the last call stated that they sent the money and to call XXXX. When we made numerous calls to XXXX they have not received our funds nor have any record that the payment was made with Stearns. Both companies say they don't have the funds nor can locate our funds that were withdrawn from our bank account.
Product: Mortgage

Previously submitted a complaint about the same issue. Caliber Home loans were XXXX for taxes and insurance when the loan was set up without XXXX. I received an email both from Caliber & CFPB stating the situation was resolved ... and they are no longer escrowing - but now they won't refund the {$9200.00} they have already collected.
Product: Debt collection

Sent several certified letter with documents as : proof of residence for the time period this identity theft occurred, send FTC identity theft report as well. Just obtain a police report in which I will upload.
Product: Credit reporting or other personal consumer reports

I am writing to request the deletion of specific entries in my file, which are listed in the attached report. As a victim of identity theft, I did not authorize these changes. In compliance with the Federal Trade Commission, I have reported this identity theft and have included copies of the FTC 's Identity Theft Affidavit. 

It appears that certain activities about my account contravene multiple sections of the U.S. Code Law, including : 15 U.S. Code 1681 a ( 4 ) - Consumer Right to Privacy. You are reporting fraudulent accounts that aren't mine, infringing upon my privacy rights.

15 U.S. Code 1681a - Definitions ; rules of construction. This law states that transactions are not included in a consumer report. Thus, I demand the removal of all late payments from my report.

FDCPA 807 - Misleading false reporting. The information you are reporting suggests I applied for these inquiries & accounts, which is inaccurate and misleading.

15 USC 1681 n - Civil liability for willful noncompliance. You accepted credit information about me without verifying its accuracy, leading to willful noncompliance.

18 U.S. Code 1028A - Aggravated identity theft. You shared my information with creditors without my consent, which constitutes aggravated identity theft. 
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information. You didn't disclose to me that I had the right to opt-out of this information being shared.

And several other violations, which I have detailed in the attached document.

I kindly request that you adhere to 15 U.S. Code 1681c-2, which requires you to complete this reinvestigation and block or update all information resulting from identity theft within four days of receipt of this letter. Failure to comply will lead to criminal and civil liabilities as outlined in my attached invoice.

I am the original creditor, and I did not authorize, benefit from, or consent to the accounts and inquiries listed in the attached report. I filed FTC report # XXXX regarding this matter. 

Please remove all fraudulent accounts from my credit report immediately. According to FCRA 605B, this information must be blocked until the investigation is concluded.

Furthermore, as per 15 U.S.C. 1681g, I demand that you disclose all documents recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.