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

I am writing to dispute the inaccurate information regarding the XXXX XXXX account that appears on my credit report. Despite disputing this information on XX/XX/year>, the inaccurate details remain on my report. 

The account in question is : XXXX XXXX XXXX XXXX XXXX The information being reported is incorrect. I kindly request that this account be fully investigated and removed from my credit report entirely, as it is inaccurate and unfairly impacting my creditworthiness. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure the accuracy of the information reported and to investigate disputes within 30 days.
Product: Mortgage

My last Loan Modification received on my loan was approved with affordable monthly mortgage payments. In the midst of my making my monthly payments to XXXX XXXX, my payments were being returned because they stated the loan was not their loan and the loan number was not their number. They could not provide me with any information if my loan was sold or who was now servicing my loan. During this time I became ill and started having financial issues and was unable to make payments. I became delinquent with my payments and I eventually found out Specialized Loan Servicing was my new Servicer, I've been attempting to get a Loan Modification approved. I have paid attorney 's to help me in resoling this and they just took my money with no solution. I have been working with a HUD Housing Counseling Agency who have submitted several Financial Hardship Packages on my behalf but still no success. I want to keep my home and save it from foreclosure.
Product: Credit reporting or other personal consumer reports

This letter is to inform XXXX that you are reporting a fraudulent account that arose from Identity theft. It had been previosly deleted and came back to my report. I never applied for this credit card and did not recieve any good or services from XXXX. In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX XXXX  has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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 of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.SC 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 resonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX committed and wrongfully placed information on my credit report that does not belong to me. I have contacted the company several times and requested that they send pertinent information that corresponds to validating my identity to prove that I have an account with them. THEY HAVE FAILED TO PROVIDE any documentation whatsoever showing that this account belongs to me. They have violated the FCRA regulations in reporting information that does not belong to me to the credit reporting agencies XXXX, TransUnion and XXXX. Furthermore, I have contacted XXXX, TransUnion and XXXX as well in which none of the the credit reporting agencies have submitted information proving that this account is mine. I asked them to remove this fraudulent account and they have also failed to do so. I have filed police reports and an affidavit to validate my claim. I have sent out certified mail to you all parties several times and have received no results.
Product: Credit card

I recently reviewed my consumer report and I've noticed some incorrect and fraudulent accounts on my consumer report that should not be there. I was a victim of idenity theft and i need these fraudulent accounts removed immediately. 

1. XXXX XXXX XXXX XXXX XXXX. Account # XXXX
Product: Checking or savings account

My name is XXXX XXXX and my compliant is that my name was fraudulently used for various transactions at TeleCheck Services LLC between the dates of XXXX. I filed a compliant with TRS Recovery Services Inc to make them aware of the situation around the end of XX/XX/XXXX and was giving a case ID # ( XXXX ) for the dispute. I was then contacted again by TRS on XX/XX/XXXX in reference to the dispute and given the tracking number of XXXX. They also directed me to make a compliant to ftc.gov, once there I was directed to cfpb website because of the type case. I have attached all the information that TRS sent me in the mail of the transactions.
Product: Credit card

My identity was stolen. Someone applied for this without my permission or consent. This is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter on XX/XX/2020 that my loan was no longer owned by XXXX XXXX. The balance was paid yet Transunion is still reporting the account inaccurately as charged off and unpaid after multiple disputes and requests for more information they continue to state that the account is verified as accurate although it is not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a complaint with CFPB and I believe it has been forwarded to Equifax. I dont really wish to litigate this matter even though there are numerous precedents such as XXXX XXXX XXXX ( XXXX ),   XXXX v XXXX and XXXX XXXX, Equifax that suggest the courts would find in my favor. All I want is for the items listed in my dispute to be removed from my credit report because Equifax has not met the requirements of a reasonable investigation nor been able to provide me with the documentation I have requested. 
I would very much appreciate any assistance you might be able to provide in resolving this matter. 

Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file opened fraudulently. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled.
Product: Credit reporting or other personal consumer reports

These 8 inquiries on my TransUnion report are fraudulent and I would like them immediately removed. There is now way in heck I applied for this many accounts! 
Please remove these accounts off my transunion report asap! 

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 XXXX XXXX XXXX  As well as these 3 illegal accounts that has been opened in my name for over 3 years. I keep stating these accounts below are illegal and was obtained in my name. Please remove these accounts! 

XXXX XXXXXXXX XXXX XXXXXXXX {$150.00} DATE OPENED XX/XX/XXXXXXXX XXXX XXXX XXXX {$57.00} DATE OPENED XX/XX/XXXXXXXX XXXX XXXX XXXX {$13.00} DATE OPENED XXXX, XXXX, XXXX PLEASE REMOVE THESE ABOVE ILLEGAL CHARGE OFF ACCOUNTS THAT WERE OPENED AT THE SAME TIME AND IM LOCKING ALL MY REPORTS TO STOP THIS FROM HAPPENING AGAIN. IM TRYING TO FIX MY CREDIT SCORE PLEASE REMOVE THESE ACCOUNTS OFF MY REPORT!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting my husband 's delinquent credit card account as mine even when they know the report is false. In XXXX my husband opened a credit card in his name alone. I knew nothing of this new account until XXXX when my husband was in the hospital and he asked me to pay the household bills, which he always did. When I opened the XXXX billing statement from his mail, I called them to ask why his balance was twice the credit limit. I was told that my name was NOT on the account and they can not give me any information. My husband then gave me his online username and password so I can make electronic payments for him. My husband later told me that he opened the account online and was absolutely certain that he was the only account holder and he never listed me as joint/secondary. He called them inXX/XX/XXXX to ask them to stop reporting my name as joint account holder and to take it off my credit report, but they refused ; he then demanded a true and original copy of the credit application showing my name or signature electronic or otherwise, but they never provided it. I sent them a letter demanding the same with no response. I disputed the {$6900.00} account with Experian 3 times and XXXX  2 times with the same reason state above, but the account still shows on these reports. It is absent from my attached XXXX report that I pulled on XX/XX/XXXX. They told my husband that they will only erase the entry from MY credit reports if he pays the charged off account in full. 
Please note that my husband and I have a different XXXX  secured credit card with a limit of {$300.00} that is joint ownership.
Product: Credit reporting, credit repair services, or other personal consumer reports

I PULLED MY EXPERIAN CREDIT REPORT AND NOTICED FRAUDULENT ACCOUNTS THAT DO NOT BELONG TO ME. THEY ARE LISTED ON THE PDF DOCUMENT ALONG THAT IS ATTACHED THE PERSONAL INFORMATION. 
CFPB Write up In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments has violated my rights. 

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

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

I have no knowledge of this debt. 
I'm requesting for a debt validation of this debt or delete the negative report off my credit. 
As FDCPA you must provide phisical proof of this debt such as : original document with my signature on it, any and all cansel check, contractual agreement that you have the right to collect this debt, etc ...
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX SELF XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Date : XX/XX/XXXX RE : Late Payment Removal Balance : {$440.00} This letter serves as my explicit instruction and written notice. 

This account is a billing error. A creditor that fails to comply with the requirements outlined in the XXXX Credit Billing Act forfeits any right to collect from the obligor This is not a refusal to pay but a notice that this alleged debt is disputed. 12 CFR 1026.4 defines a finance charge. I respectfully request your company provide me with documentary evidence that clarifies this billing error. 

What authority do you have to collect debt in the United States? 

I consummated this consumer credit contract under good faith and credit. 16 CFR 433.1 ( i ) states Consumer credit contract is any instrument which evidences or embodies a debt arising from a Purchase Money Loan transaction or a financed sale as defined in paragraphs ( d ) and ( e ) of this section. In accordance with regulation Z, you can be fined up to {$5000.00} for giving false and inaccurate information as well as not providing the consumer with proper and respective disclosures. 

I have reason to believe your financial institution is violating federal law by knowingly furnishing false credit information. It is impossible to be late on an extension of credit. No law under the Fair Credit Reporting Act requires your financial institution to report negative information to a consumer reporting agency. I do not consent to the furnishing of any negative information to any nonaffiliated third party. Furnishing this false credit information is a violation of federal law and a violation of my right to privacy. The Right to Privacy was declared a fundamental right by the Supreme Court in Puttaswamy v. Union of India. 2017 Furnishing false credit information to a nonaffiliated third party as a means of coercing payment on an extension of credit constitutes racketeering activity. Furnishing late payments is your institutions policy. Your company policy does not supersede federal law. I am demanding that all late payments are UPDATED to PAID AS AGREED and a DELETION of each late payment be submitted to the credit reporting agencies immediately to prevent y consumer credit reputation from receiving further harm. 

I am keeping careful records of all correspondenceor lack thereof- made via mail, telephone, and other means of communication. Your response must be provided within the allotted threshold for this communication. 

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

Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXXXXXX XXXX XXXX XXXX XXXXXXXX, OH XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$340.00} XXXX XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$520.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$340.00} XXXX XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$340.00} XXXX XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The company that I'm filing a complaint against Transunion. I filed a complaint well over 30 days ago requesting an investigation for several accounts listed on my credit report. I have yet to receive a response. 
This company has not answered after several attempts of me requesting a method of validation for the following accounts. 
XXXX XXXX I was never late on XX/XX/XXXX XXXX XXXX XXXX was never late XX/XX/XXXX XXXX Have never done business with a company XXXX XXXX XXXX Account was in forbearance and is in good standing but reporting with lates. 
XXXX XXXX XXXX XXXX Never validated XXXX XXXX I was never late XX/XX/XXXX this is a closed account and was a bank error! 
XXXX XXXX - This account has been up to date for over 9 years and they won't respond to my request to update it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've contact the companies that 's in questions I was told to contract the credit bureau.I be contacted the credit bureau several times.I was told its factual it ca n't not be changed to contact the actual companies.Several times the customer representative has hung up the phone one me when I told them the informative was incorrect they were given me.
Product: Prepaid card

I bought 2 prepaid serve card one {$50.00} Dollar on a {$100.00} XXXX XXXX the {$50.00} worked the {$100.00} didn't I have went back to store they said they wasn't nothing they could do the serve people just have gave me the run around I'm about to file a claim I got the card on XXXX at XXXX XXXX in XXXXXXXX XXXX my on XXXX  XXXX and still haven't no one done nothing I have sent documents they asked for and still nothing
Product: Mortgage

I begin the closing process with my mortgage lender, Pinnacle Bank, on XX/XX/. The home I purchased cost XXXX. I was originally sent a closing disclosure onXX/XX/XXXXXX/XX/XXXXof XXXX ( principle & interest ) + XXXX ( taxes ), which totaled out to be XXXX as my original amount that I would pay each month for my mortgage. I signed these documents the same day, which should have locked in my rate for this specific home. OnXX/XX/I was then contacted by my mortgage lender that the bank had made an error on my closing documents, which could possibly cause a delay in closing on my home. I was told by my mortgage lender that my loan would have to go back through underwriting for correction. On XX/XX/, I received another closing disclosure and noticed that my loan had increased another {$8000.00}, and that my monthly payments would now be over {$1500.00}. I reached out to my mortgage lender for an explanation, and was informed that there may be unpaid property taxes from the sellers. I was also informed that public tax records did not list the new property taxes correctly after renovations have been completed on the home. I was not informed of this misinformation until 3 days after my original closing. I was also scammed into signing this contract because I was told my due diligence funds would not be returned to me. My mortgage lender left out vital financial information once I closed on the home on XX/XX/. I received a letter from XXXX stating that my payments have increased again from XXXX to XXXX, and that there was an escrow shortage. I reached out to my new assigned lender on this information & was informed that once again the underwriting department has made several errors on my loan. I also received an email from my original mortgage lender admitting that they made errors on my closing disclosure but did not catch it until after I signed my disclosure
Product: Debt collection

This complaint involved a credit card under my wife name who is a victim of identity theft. we reported a fraudulent charges on our billing statement and was told it will be investigated but instead continued to mail us statement every month with demand of continued payment while waiting for their investigation which never happen and now we received a letter saying it is in their collection department. Hoping someone can help us thank you so much.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer services and unfair practices, which violate the Consumer Financial Protection Act. ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Bank account or service

I am the subject of a fraudulent marketing scam which charged my credit card, Capital One, for hundreds of dollars. I requested assistance from the credit card company who refused to assist me with the issue. I called the credit card company and they dropped my call. I then spoke with a supervisor at the credit card company who assured me that their specialists would call me the next day at a specified time which did not occur. The following day I spoke with a " specialist '' who, after reading the notes on my credit card account, started off with " unfortunately '', at which time I ended the call and cancelled the credit card.
Product: Credit reporting or other personal consumer reports

ACCT # : XXXX SSN : XXXX XXXX : XX/XX/year> ID : XXXX Address : XXXX XXXX XXXX XXXX, LA XXXX. 

Dear XXXX XXXX, I recently received a debt collection notice from your office with an account number # XXXX. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I am disputing several items on my credit report that do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), you are required to investigate and correct or delete inaccurate information. I demand that these errors be removed within 4 days. Failure to comply will result in further action, including a formal complaint with the CFPB.

Please confirm the removal and provide an updated report.
Product: Credit card or prepaid card

The company Barclays had me on auto pay throughout my year and half with them. They had given me an annual fee and I was not aware nor did I receive a message knowing the fee was due and I did not get a chance to pay it on time. If I was aware of the amount posted I would have paid in full as I am in autopay again. 
The annual fee of {$99.00} is paid now and I hope to get statements on time prior to my payments.