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

MY NAME IS XXXX XXXX XXXX XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX ny XXXX XX/XX/2024 I have I have recently disputed this account it was updated but my request was to DELETE ACCOUNT NAME XXXX XXXX XXXX ACCOUNT XXXX # : 15 U.S. Code 1681c2 - Block of information resulting from identity theft 15 U.S. Code 1692e - False or misleading representations 15 USC 1681 I ( 7 ) - METHOD OF VERIFICATION 15 USC 1681B - PERMISSIBLE PURPOSE Identity theft laws under 18 U.S.C. 1028 makes it a crime to misuse someone's identifying information, whether personal or financial. Personal identifying information can include social security numbers, driver 's license number, credit card or bank account information, and PIN numbers obtained through the internet. DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT IT HAS BEEN ALMOST BASICALLY 30 days CREDIT BUREAUS XXXX XXXX XXXX  IS IN VIOLATION OF THE FAIR CARES ACT LAW. This account was NEVER opened by me Iam a FEDERALLY PROTECTED CONSUMER of the USA as a consumer I demand this account to be DELETED PERMANENTLY ASAP. I have already made an identity theft claim thank you.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam : I am a victim of identity theft. Enclosed are : my drivers license, my social security card, proof of my current address, my Federal Trade Commission Identity Theft Report, and a copy of SECTION 605B of the Fair Credit Reporting Act. I am writing to request that you remove/delete and place an immediate block on the fraudulent information listed below from my credit file within 4 days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information listed below does not relate to any transactions that I have made ; therefore I am requesting that these items be completely removed/deleted and blocked from my credit file. This is not a regular dispute. I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please remove and block the following information from my credit report pursuant to section 605B of the Fair Credit Reporting Act within 4 days. I am requesting that the following fraudulent items be deleted and blocked from my credit file. 

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 KINDLY DELETE AND BLOCK ALL NONACCOUNTHOLDINGINQUIRIES AS I DID NOT AUTHORIZE THEM ***
Product: Money transfer, virtual currency, or money service

You are a dishonest company that makes false statements to customers on XXXX. Refusing to reply to customer information, when the customer complained, he directly failed to collect the customer 's funds for XXXX based on the XXXX terms, ignored the customer 's request, maliciously used the payment terms, did not proactively contact the customer, and violated consumer rights. You are a XXXX XXXX XXXXXXXX!!! Your previous reply was perfunctory to the customer and there was no reply. You should pay back the money quickly!!!!
Product: Mortgage

I was late paying my mortgage payment for  XXXX  of  XXXX  and  XXXX  of  XXXX  due to some financial difficulties ( my regular mortgage payment is  XXXX  ). However, on  XXXX / XXXX / XXXX  I started making my regular mortgage payment and adding additional monies in trying to catch up with back money owed : On  XXXX / XXXX / XXXX  I paid {$2000.00}, on  XXXX / XXXX / XXXX  I paid {$2000.00} ; then on  XXXX / XXXX / XXXX , while getting ready to make my payment, I noticed that my mortgage institution  ( Santander Bank ) is   charging me  XXXX  (  XXXX  ) additional fees of {$14.00} each ( {$28.00} total ) monthly for what they refer to as a " Collection Inspection Fee ''. That 's on top of the late charge fee of {$64.00} accessed every month until I finish paying money owed.   I submitted another payment that day for {$2900.00}. Still theyre charging me  XXXX  (  XXXX   )  late charge fees on my  XXXX  statement and left {$1700.00} monies unapplied to my balanced owed. How can that be if my monthly payment is {$1600.00}? Now, I suspect that theyll charge me another {$64.00} late payment fee on my  XXXX  statement for monies that Ive paid and wasnt applied to my balanced owed.   On  XXXX   XXXX , collections department at  XXXX  called me to ask me when I was going to send them more money ; my {$2900.00} check had already cleared on  XXXX   XXXX .   I informed the caller that I had already sent a check for {$2900.00} and proceeded to complain about the  XXXX   (   XXXX   )  {$14.00} charges on my statement. He tells me that every month they send a person out  to drive by  my residence to inspect the property and they will continue to apply those  XXXX  charges monthly. I asked him not to call me again and hung up the call.   I thought about calling the bank directly and complain about the charges but I suspect that theyre going to give me the run around again, so Ive decided to file this complain in hopes that someone will help me stop Santander Bank from these overcharges to my account.
Product: Mortgage

I recently started a relationship with Regions Mortgage, because XXXX XXXX sold my mortgage to them. I setup an only account configured auto pay and reminders and noticed the XXXX payment came and figured everything was working and setup. Then I noticed that the XXXX payment didn't go through. Tried to access my online account and it's acting like I don't have an account and it doesn't recognize my loan number. I obviously still have an account because they are still sending me statements and have dinged my credit report even though XXXX setup an autopay and the XXXX payment was taken out.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- XXXX. XXXXXXXX XXXX XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8300.00} -This is not my account.
Product: Mortgage

Contacted BSI Financial on XX/XX/2020 to request bereavement due to being impacted by Covid-19. The company will not process my request even though my loan is backed by XXXX  XXXX.
Product: Credit reporting or other personal consumer reports

I sent a communication to XXXX XXXX XXXXXXXX, regarding my option to opt out of having my nonpublic personal information shared/reported to any credit bureaus including Experian, XXXX and XXXX. In regards 15 USC Code 6802, it states that : a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party ( XXXX XXXXXXXX XXXX AND THE BUREAUS MENTIONED ABOVE ARE NOT AFFILIATED ) any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 
( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( They NEVER gave me this information/option ) ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( Again, they never gave me that option when the transaction was initially done ).

*Also see ; 12 CFR Part 1016 Subpart A* They DID NOT give me full disclosure when the transaction initially took place, which is misleading and fraudulent.

NONPUBLIC PERSONAL INFORMATION MEANS : personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer ; or ( iii ) otherwise obtained by the financial institution.

NON AFFILIATED THIRD PARTY MEANS : any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, but does not include a joint employee of such institution.

I am demanding that this information that I choose to no longer have shared with the bureaus, be removed from all of my credit reports immediately. In addition, compensation for their violations of the law and making my life difficult.
Product: Credit reporting, credit repair services, or other personal consumer reports

So all 3 Credit Bureaus continue to ignore my request for dispute by not completing a full dispute, its kind of disturbing to know how a credit bureau can complete a dispute in less than 5 days. That tells me the dispute is not being done correctly and not being done in accordance with the law and my rights. This complaint has been created because there is two issues with my credit files that keep getting ignored. 

1. The credit bureaus continue to allow XXXX XXXX XXXX to report false numbers to them, I due not owe an outstanding balance or am I late or ever have I missed a payment. The loan was restructured and while it was being restructured the false numbers where being reported, I am current with XXXX. 

2. All of these fake hard inquires have appeared on my credit file I have only submitted XXXX for this year not over 10 like is being shown. Only credit Inquires that should show on my file is a XXXX XXXX and XXXX XXXX that is it, The Credit Bureaus have seeked and sought to destroy my credit files by allowing these inquires to hit my report while my report was in frozen status.
Product: Credit card or prepaid card

i wrote about a chg on my acct back in XXXX,, and want this chg taken off as if was chg a # of times on same merchant
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiry needs to be removed immediately : Creditor Name : XXXX Inquiry from XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX Inquiry from XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Product: Credit card

This information is on my receipt. 
I mailed a copy of my receipt with a letter to their customer service. 
Their reason for not correcting problem was I waited past 60 days. 
I made my XXXX payment in XX/XX/XXXX, before even getting my XXXX statement. 
First statement was XX/XX/XXXX due XXXX  NO INTEREST Second statement was XX/XX/XXXX due XX/XX/XXXX INTEREST! I had already made payment XX/XX/XXXX Third statement was XX/XX/XXXX due XX/XX/XXXX INTEREST! I pay my bills regularly " online at least a week ahead of statement. 
XXXX is when I noticed the interest when opening my mail. I immediately called and have been calling the store who tells me to call the bank who tells me to call the store, etc. for XXXX months now! Currently they are both refusing to fix THEIR error.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX Wells Fargo Auto XXXX XXXX XXXX XXXX, CO XXXX RE : Account ( XXXX ) To Whom It May Concern, Im writing to you because I noticed that my most recent credit report contains late payments reported on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. 



I want you to know that I understand and have great respect for my financial obligations. 



Unfortunately, at the time of the incident mentioned above, I talked with one of the representatives that work for your company and I set up for them to withdraw monthly automatic payments from my checking account. I did not realize that I had a derogatory account on my credit report for late Payments. was under the impression that the payments were being taken out of my account faithfully. 



Aside from this unforeseen and unavoidable circumstance, you will see that I have an excellent payment record. 



Currently I am applying for a mortgage and financing anything has been a struggle. It has come to my attention that the missed payments on my credit reports have hurt my ability to qualify for anything. 



In my heart, I know that the missed payment doesnt reflect my creditworthiness and commitment to repaying my debts. I am humbly asking for you to give me a second chance by making a goodwill adjustment to remove the 8 late payments from my credit reports. As I understand it, you can do so in just a few minutes of your time. I would greatly appreciate it! 



Thank you for your consideration. 



Have a blessed day!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX {$1300.00} FST XXXX {$1200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Im notifying you that the following account is reporting inaccurate information. Please conduct a reasonable investigation into this error and delete the account from my file as it is negatively impacting my name, credit standing and good character. 

Account Number : XXXX Please investigate and delete this account because it is reporting two different dates last active : XXXX XX/XX/XXXX, Equifax XX/XX/XXXX. Two different dates opened : XXXX XX/XX/XXXX, Equifax XX/XX/XXXX. Two different account statuses : XXXX - open, Equifax - closed. Equifax has also FAILED to report the dispute status whereas XXXX has it listed this account has been disputed already. This is a direct violation of the FCRA as any person who willfully fails to comply with any requirement imposed under 15 USC 1681n with respect to *any* consumer is LIABLE to that consumer in an amount equal to the sum of any damages sustained by the consumer as a result of the failure or damages. Another failure will result in immediate legal action. 

Account Number : XXXX Please investigate and delete this account because it is reporting three different dates last active : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, Equifax XX/XX/XXXX. Two different dates opened : XXXX : XX/XX/XXXX, XXXX XXXX Equifax XX/XX/XXXX. Two FALSE last payment dates : XXXX XX/XX/XXXX, Equifax XX/XX/XXXX. A PAST DUE AMOUNT OF {$0.00} across ALL bureaus. Another attempt at defamation here. All 3 bureau 's have exercised willful non-compliance and pure negligence. 

Either the furnishing of this information is unreliable, or you are NOT following reasonable means to assure the maximum accuracy of information in my consumer file. Again, please carry out a reasonable investigation into this matter and delete this account from my file immediately or prepare to face legal action.
Product: Checking or savings account

On XX/XX/XXXX I contacted credit karma because I couldn't access my account or the money in my account, this has been. A very long drawn out ordeal I have contacted them every day since I've done a ID verification twice at both times it told me my ID verification was completed and approved. I've still contacted them every day and every day was told something different but also told I had to wait for a email but no time fram could be given. XX/XX/XXXX i received email giving me directions to change number and told if it didn't work he would help, I emailed back because it didn't work no response for days on XX/XX/XXXX I receive email saying he contacted the specialist team to change my number it's now XX/XX/XXXX and I still can't access my much needed money.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX, am writing to inform you that I am a victim of a data breach or fraudulent accounts, as per the provisions outlined in FCRA Sections 605B, 615 ( f ), and 623 ( a ) ( 6 ). This letter serves as a formal request for the permanent removal of fraudulent information resulting from unauthorized accounts appearing on my credit report. 
1. Reported without valid evidence XXXX XXXX XXXXXXXX Account Number : XXXX Please delete from my credit report immediately 2. Reported without valid evidence XXXX Account Number : XXXX Please delete from my credit report immediately I have reported this incident to the Federal Trade Commission and have attached a copy of the filed complaint to this letter. 

These fraudulent information should be deleted from my credit report in the next 5 days. Please see the attached file.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX sent me an email that it looked like my personal data may had been compromised. I opened it up and reviewed everything and there was several unknown inquiries and accounts that certainly did not belong to me. I pulled my credit to make sure, and these accounts I am reporting are definitely not mine. Please delete these accounts from my report. 

XXXX XXXX XXXX XXXX {$22000.00} XXXX XXXX XXXX XXXX {$130.00} XXXX XXXX   XXXX {$1700.00} XXXX XXXX XXXX {$480.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : ( XXXX XX/XX/2020 ) ( XXXX XXXX XXXXXX/XX/XXXX ) ( XXXX XX/XX/2020 ) I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX XXXX Account Number : XXXX In accordance with the Fair Credit Reporting act 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, credit repair services, or other personal consumer reports

I noticed fraudulent inquiries on my credit report that I did not authorize. I attached my State ID and my Identity theft report.
Product: Credit reporting or other personal consumer reports

I have disputed these accounts several times and reached out asking where is my authorized signature stating my consent to do business with them. They never send my signature meaning they illegally obtained my information from a bank or another consumer via internet or third party organizations. I asked to deleted off my credit report for it is affecting my score and other means of business. 


15 USC 6802 illegally obtaining my information. 15 USC 1681B still havent received written verification of my signature stating I opened up an account with this business. 18 USC 1028A no lawful authority to use my info.
Product: Mortgage

I have an outstanding balance on my mortgage and with the XXXX  association of my home. There was an auction scheduled on my home prepared by the XXXX association for XX/XX/2023. I currently have an application with XXXX program filed a month ago thats been in expedited status and is under pre-approval. XXXX requested records information on the loan to complete and finalize processing. XXXX also reached out to the servicer to request postponing the auction due to my application was in place and steps away from being funded. The servicer has not responded yet and my home was auctioned off to a gentleman on the XXXX. The gentleman is willing to omp-out of the bid he made on my home but funds needs to be received. XXXX is only waiting on the response from the servicer with the records they requested to release the funds.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX. I did not approve this account reporting on my consumer report. This account is from identity theft.