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

I am writing to formally dispute the presence of fraudulent information on my credit report, in accordance with XXXX U.S.C. XXXX, and to request the immediate blocking and removal of this information. Enclosed with this letter is a copy of my police report, along with the identity theft report filed with the Federal Trade Commission ( FTC REPORT NUMBER : XXXX ) as supporting evidence of my identity theft claim. 

Pursuant to XXXX U.S.C. XXXX, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified by the consumer as fraudulent within four ( 4 ) business days. 

The following information on my credit report is the result of identity theft and must be blocked and removed immediately : XXXX / XXXX Additional Legal Basis : Violation of Section XXXX of the FCRA Additionally, XXXX U.S.C. XXXX establishes the permissible purposes under which a credit bureau may provide a credit report to third parties. This law clearly states that a credit bureau may only furnish a consumer report under specific circumstances, one of which includes obtaining the consumers express written consent. 

As I never provided written or express consent for the inclusion or reporting of the fraudulent information in question, there is no valid legal basis for this information to remain on my credit file. 

Requested Actions Immediate blocking and removal of the fraudulent account listed above. 
Written confirmation of the removal of the fraudulent information. 
Assurance that the deleted information will not be reinserted into my credit report in the future. 

Several times, I have contacted the credit bureau reporting these fraudulent accounts on my report, yet CREDIT BUREAU has failed to provide a solution to this issue. This situation has significantly affected me, preventing me from acquiring a new home for my children. Furthermore, these accounts have already been deleted and not verified by other bureaus, which raises concerns as to why they remain on my report. 

I have requested contracts from the company in question containing my information, yet after more than 60 days, I have not received any response. Please help me delete these accounts immediately. I am once again attaching the FTC report in the hope that you will make a fair decision regarding my case. 

I appreciate your prompt response and resolution to this matter. I expect a reply within the legally required timeframe.
Product: Mortgage

I sent the modification packet to bank of america for the loan XXXX. I bought the home in XX/XX/2009 (  attached HUD1 ) and got title insurance ( enclosed ). The sellers ( MLS printout enclosed ) moved to florida where they were engaged in buying foreclosures and remodeling and selling for profit as their new employment. ( Mls ) and florida has been their primary residence for the last 10 years. I have lived at XXXX XXXX XXXX XXXX, XXXX, NM XXXX and do not own any other property. I wish to keep the house I have been using/occupying for the last 10 years.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to bring to your attention a discrepancy I have found in my consumer report. Upon reviewing my records, I noticed an instance of a late payment on an account for which I have never been tardy in remittance. 

The account in question is with XXXX XXXX, bearing the account number XXXX XXXX XXXX XXXX XXXX According to my records and diligent financial management, there has never been a late payment associated with this account. 

Consumer reporting agencies such as yours play a pivotal role in maintaining the accuracy of consumer information, and it is with this understanding that I urge you to thoroughly investigate this matter. I kindly request that you provide conclusive evidence, in the form of statements or documentation, demonstrating the alleged late payments on the aforementioned account. 

Should you find no evidence to substantiate these claims, I hereby demand that the erroneous late payments be rectified promptly. It is imperative that my credit report accurately reflects my payment history, particularly when it concerns payments that were made diligently and on time. 

I appreciate your prompt attention to this matter and anticipate a swift resolution. Thank you for your cooperation and assistance in ensuring the accuracy and integrity of my consumer report. 

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

I submitted a letters asking for a complete investigation into the accounts on my credit profile. I am a victim of Identity theft. I have sent my Identity theft report and affidavit in several times and the credit bureaus are not following the law. The accounts were placed on my account fraudulent, I also asked for an update of my personal information due to fraudulent information making it hard for me to pass identity questionnaires. 

I submitted 15.US Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information.as well as a debt validation which included ; explanation of account A copy of state license, license # Documentation stating I agreed to pay this debt with my signature and documentation stating I gave permission to use my information. 
Original Promissory Note ChIn of custody for account Master bill of sale
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX # XXXX has violated my rights. 
XXXX # XXXX has violated my rights. 
XXXX # XXXX has violated my rights. 
XXXX XXXX # XXXX has violated my rights. 
XXXX # XXXX has violated my rights XXXX XXXX # XXXX has violated my rights 15 USC 1681 Section 602 A 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 written consent.
Product: Mortgage

UWM sends us VOE faxes 6-8 a day for an employee who does not work for us. We received to date 76 faxes. We have reached out to UWM many times with no resolve. We may be forced to change our fax number which is unnecessary expenses on our part and a great inconvenience for a problem that is not ours
Product: Credit reporting or other personal consumer reports

I saw on my credit file a hard inquiry by XXXX XXXX XXXX XXXX XXXX on XX/XX/2023 of which I never applied for auto loan .I called the XXXX XXXX  phone number I found on the credit bureaus then I spoke over the phone with they XXXX XXXX staff by name XXXX XXXX who confirmed they do not know me and they can remove the hard inquiry and he sent my XXXX office mailing address to dispute the report then XXXX XXXX will respond to the removal request but XXXX responded to me that that can only remove hard inquiry when the receive letter from the merchant. It had be unresolved since then till now
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission. Please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I REPORTED THAT THIS ACCOUNT IS FRAUDULENT TO ALL PARTIES INVOLVED.
Product: Vehicle loan or lease

Ally Financial contacted my neighbors, to whom I do not have a relationship with nor are on my account, to discuss my financial situation. I was told it is common practice to find associates to the borrower, however none of my neighbors are associates. My privacy was violated. Federal law protects consumers against unfair, abusive, and harassing debt collection activities. The law that governs debt collector actions is known as the Fair Dept Collection Practices Act or FDCPA. This law sets strict limitations for what debt collectors can and can not do, including who they can contact as well as when, why, and how those communications occur. All of which were violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed on my transunion report that there are multiple inquiries that were not authorized by me. Here are the inquiries.    1  :   XXXX   XXXX    on  XX/XX/XXXX  2 :   XXXX   XXXX   on  XX/XX/XXXX  3 :   XXXX   on  XX/XX/XXXX  4 :   XXXX   XXXX    XX/XX/XXXX 5 :   XXXX    on  XX/XX/XXXX  6 :  XXXX  on  XX/XX/XXXX  7 :   XXXX   on  XX/XX/XXXX  8 :  XXXX  on  XX/XX/XXXX  I think their is someone apply for things with my information and I would like these removed and an investigation be started if that 's possible.
Product: Mortgage

Hello I tried to file a deed in lieu of foreclosure with Nationstar mortgage ( account number : XXXX ) and I submitted all the required forms to my rep, XXXX XXXX, but she never responded. The first time I submitted the forms via fax was on XXXX/XXXX/2015. She did respond. I called and emailed her again on XXXX/XXXX/2015 and XXXX/XXXX/2015 and again, no response so I refaxed all requested documents. She still did not respond. I finally reached a deed in lieu representative on XXXX/XXXX/2015 who told me my home now has an auction sale date of XXXX XXXX and I can no longer qualify for a deed in lieu because there is a sale date. At that point I then enlisted the help of my agent XXXX XXXX to try to attempt a short sale and he submitted a request that same day. Still my request was denied because I was told there was not enough time to review my short sale request. I 'm very upset because I initially did everything I was told to do to complete the deed in lieu on time before a sale date was even put in place and because the rep refused to return my calls or emails I 'm not unable to complete a deed in lieu or even a short sale now. 

Please help as I feel my lender did not operate in an ethical manner and I 'm now unable to pursue any other options. 

Thank you. 

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

Con man name XXXX XXXX XXXX DOBXXXX. 
Has been stealing people identity and con woman to get him personal loans for him. And threatening them mentally and physically abusing them. 
I am one of the many victims. 

I have a loan for {$6000.00} with XXXX XXXX A credit card that is max out $ XXXX XXXX XXXX  And many more negative remarks on my credits that are not mine. 

I made a police report last year XX/XX/2019. Ans this items are still there. The more I investigate the more I see how many people have been scammed by him. 

Im XXXX  I cant get a good score credit to move on with my new life. I had to sell my home now I dont have a home. 
Can someone please please help. 

XXXX XXXX
Product: Checking or savings account

Key bank opened a checking account on XX/XX/22 with a {$50.00} deposit on my credit card. The next day Key Bank removed my access to the account stating that I need to visit a bank branch in person to regain access to my account. The nearest Key Bank branch is over XXXX miles from my house and I have no method to visit a branch in person. If there were account security concerns the bank should have told me before opening the account. 

I asked the bank to close my account and refund my {$50.00} credit card charge. The account was opened less than XXXX before I encountered the problem. Key Bank refused to close the account unless I visited a bank branch and said I would incur an early account closure fee. The Customer Support Manager I talked to on the phone, XXXX, hung up on me when I asked how to spell her name for this complaint.
Product: Credit reporting or other personal consumer reports

The late payment in question is reported by [ Creditor 's experian ] for the period of [ insert date of late payment ]. I believe this information is incorrect and does not comply with the requirements outlined in the Truth in Lending Act ( TILA ), specifically section 1637 ( b ) of Title 15, which mandates that creditors provide accurate and complete information regarding the terms of credit, including payment history.

Furthermore, according to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s-2, furnishers of information must report accurate details. The late payment reported does not reflect my true payment history, and I request that you investigate this matter in accordance with 15 U.S. Code 1681i. 

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

My father and I have the same first name, middle initial, and last name. We've lived at the same addresses as well. He just moved, and now my credit shows his new address as mine. This isn't correct, and I want it changed back to my correct address please. I dont need any more mix ups just because we share the same name. I just went through a garnishment because of him, and i dont want any of his things negatively affecting my credit that uve worked on for years now to get in good shape.
Product: Mortgage

Rocket Mortgage will not drop XXXX  charges without getting money from us another way. 
We have paid extra principal every month and got the loan balance under the XXXX XXXX as required by the XXXX XXXXXXXX XXXX, provided original documents yet they want us to pay them before dropping XXXX 
We've communicated by phone and email several times over the last XXXX months. Their response is always give us more money and we may drop it.
Product: Mortgage

XX/XX/XXXX The office of XXXX XXXX XXXX XXXX. Submitted a loan modification application on behalf of our client. 

XX/XX/XXXX The office of XXXX XXXX XXXX XXXX. contacted Shellpoint to acquire an update on the modification review. We were advised by XXXX XXXX that we need to wait until XX/XX/XXXX to apply due to a past approval. 

XX/XX/XXXX - The office of XXXX XXXX XXXX XXXX. contacted Shellpoint and were advised that the file was approved for a modification on or about XX/XX/XXXX. However, the approval was closed out because the trial letter was returned to Shellpoint. 
We advised them that we are their attorneys and it should have come to our office. 
They requested that we call them back, so they can investigate the matter. 

XX/XX/XXXX - The office of XXXX XXXX XXXX XXXX. called Shellpoint and we were advised by a supervisor that they would contact the investor and confirm if the investor is willing to honor the trial due to the following reasons. 
1. The trial letter was never sent out to the client 2. Our office was never advised of the approval and we are their attorney of record 3. Our client was never advised of the approval XX/XX/XXXX we received a voicemail from Shellpoint notifying us that the file has been submitted for an approval and will call us back with an update. 

XX/XX/XXXX - The office of XXXX XXXX XXXX XXXX. called and emailed Shellpoint for an  update no response was provided XXXX/XXXX/XXXX - The office of XXXX XXXX XXXX XXXX. called Shellpoint for an update no response was provided XX/XX/XXXX - The office of XXXX XXXX XXXX XXXX. contacted Shellpoint for an update. At this point we were notified by XXXX XXXX that they never received the final modification agreement sent to the client on XX/XX/XXXX and the file was closed on XX/XX/XXXX and we now need to wait until XX/XX/XXXX to reapply. 
I informed Mr. XXXX that our client has notified Shellpoint several times that hey never received the contract. I also began to notify them on the information above and I was told that the conversation was a moot point. I requested a supervisor and was immediately told that they are unavailable and transferred to their voicemail. I have not received a call back however, we believe Shellpoint is contacting our client and ignoring our office despite our request to have all calls are correspondence to be sent to our office. We also requested for the tracking number from the contract sent to our client on XX/XX/XXXX however, it was not provided. 
We believe that Shellpoint is not acting in good faith. We have been misinformed and possibly deliberately mislead by their staff at the benefit of Shellpoint. Our client is determined to save her home, if Shellpoint was acting in good faith and not misleading us this matter would have been resolved.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

XXXX, XXXX, and Experian are not investigating disputes. I have submitted Police report, FTC identity theft report, showing that accounts and inquiries don't belong to me and that my information was leaked in the XXXX XXXX and they fail to remove fraudulent information from my credit report. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681, Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information.

Equifax announced that it had breached the data of approximately XXXX XXXX XXXX consumers. ( names, addresses, dates of birth, Social Security numbers, and drivers ' licenses numbers were exposed. )
Product: Credit card or prepaid card

Last XXXX I paid my Macys credit card in full. I received a payoff figure and made the payment which left no balance on the account. I purchased an item with the card, which I immediately returned. The return was not processed and credited to my account for several weeks. Macys has charged me late fees and interest on this account for this purchase. The original amount of the purchase was {$28.00}. The balance currently on this account is XXXX which is comprised totally of fees.and interest. I have not used this card since that purchase in XXXX. Citibank is refusing to reverse these late fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

Section 604 requires a credit bureau to remove this { XXXX XXXX XXXX so many XXXX XXXX XXXX violation, Section 604 violations and VAWA act violation ( VAWA Act protects XXXX XXXX life ) and XXXX XXXX crime violation ( XXXX XXXX is XXXX XXXX ) ] in the Honorable XXXXXXXX XXXX credit report. Section 604 and VAWA act protect the Honorable XXXX XXXX and his children. Section 604 instructs credit bureau to remove this in the HonXXXXXXXX XXXX credit report in this pandemic. XXXX XXXX has resided in Washington DC capital belt area. ( Not in Arizona ).
Product: Money transfer, virtual currency, or money service

XXXX I have report that I have been a victim of fraud/scam. But the Bank of the West and XXXX XXXX XXXX XXXX XXXX does not want to assist me. I have filed a dispute and told my bank XXXX XXXX that it is a scam that I wired transfer to a woman there in XXXX XXXX California. And A man in XXXX XXXX.
Product: Prepaid card

I received a {$200.00} Visa gift card as a XXXX present. The card was purchased on XX/XX/XXXX. I think the first time I tried to use it at a gas station, the transaction was declined. I assumed it was a temporary issue and did not use the card again until XX/XX/XXXX. At that time, I tried to pay at XXXX but was told there were insufficient funds. 

When I checked the cards balance online, I discovered multiple unauthorized transactions that I never made or approved, including charges from XXXX and XXXX XXXX These transactions depleted the balance, leaving only a small amount remaining. 
For the past two days, I have tried calling the Visa gift card issuers customer service line to dispute these charges. Their automated system requires me to enter a zip code, but it will not accept my home zip code, the zip code where the card was purchased, or my father-in-laws zip code ( he bought the gift card ). Each time, the call disconnects without letting me speak to a representative. 

As a result, I am unable to dispute the fraudulent charges or request a refund.