23daVinci/CFPB_Complaints huggingface dataset:
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 {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}.

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 ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXXXXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXXXXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO LOANS OR LEASES 7. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

My information was exposed in a data breach. Under the FCRA Section 605B account should be removed within adequate time.

According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report. 
I am aware the XXXX has a lawsuit against XXXX and I myself will obtain legal counsel.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

My credit score dropped over XXXX points over a week period for one account separated out into 4 different accounts with XXXX. Payments became due unaware to me 4 months ago. I was not notified correctly and I am paid up to date now. We were attempting to buy a second property and my credit was pulled a few weeks ago with a credit score over XXXX and now it is XXXX. We immediately made payments yesterday but this has now affected all of my credit and may lose my job due to my security clearance. XXXX said they notified me via email but I did not receive them, and I received no call, text messages or direct mail. I've reached out to XXXX and they only said they were sorry and that they emailed me notices, which I did not receive. I contacted XXXX and XXXX today and filed complaints. I was unable to contact TransUnion as their site was having issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 



The following items need to be removed and blocked as they are fraudulent. 



1. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 

11. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

12. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 

13. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account XXXX : XXXX Delete this account. 

14. there is some inaccurate information reporting.

XXXX Account XXXX : XXXX Delete this account. 

15. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

16. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 

17. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account.
Product: Credit reporting or other personal consumer reports

My XXXX XXXX report shows seven inquiries from clarity services on behalf of Experian for XXXX XXXX and XXXXXXXX XXXX XXXXXXXX XXXX I do not know who these companies are nor do I do business with them. Ive never applied to open any type of account and the addresses that are listed on the inquiries do not match any that Ive lived at. Ive disputed them with XXXX XXXX, but they refused to remove them because they say that theyve been Verified accurate? I dont see how I did not authorize these and theyre obviously fraudulent. I need these inquiries removed ASAP. Ive been requesting this for months from clarity services and XXXX  XXXX  and I never get any response. This is preventing me from opening up a checking account and this is severely impacting my life Order appreciate this if this could be resolved quickly
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself. I have been patiently waiting on Transunion 's response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below are the list of the erroneous accounts reporting on my credit report : ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX )
Product: Mortgage

I HAVE A FORECLOSURE SALE SCHEDULED FOR XXXX/XXXX/2015. I HAVE APPLIED FOR MORTGAGE ASSISTANCE, BUT BECAUSE OF SLOPPY AND INCOMPETENT PROCESSING OF MY REQUEST FOR ASSISTANCE I WAS DENIED. I DISCLOSED ALL MY INCOME INCLUDING RENTAL INCOME AND TRUST INCOME. THE RENTAL AND TRUST INCOME WAS NOT CONSIDERED IN THE UNDERWRITING DECISION. THIS INCOME WAS IGNORED AND I WAS DENIED. I WAS TOLD THAT DESPITE THE FACT THAT I FULLY DISCLOSED ALL MY INCOME I WOULD NEED TO RE-APPLY FOR THEM TO CONSIDER ALL MY INCOME WHICH WOULD INCLUDE THE RENTAL AND TRUST INCOME. IN ADDITION, I HAVE NOT RECEIVED A WRITTEN DECISION NOR HAVE I BEEN PROVIDED A 30 DAY APPEAL PERIOD. INSTEAD, I HAVE BEEN GIVE A FORECLOSURE SALE DATE. MY SERVICER, RESIDENTIAL CREDIT SOLUTIONS, PREFERS TO PROFIT BY ANY AND ALL MEANS - EVEN IF IT MEANS TRAMPLING ON THE RIGHTS OF HOMEOWNERS AND VIOLATING THE LAWS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/ Madam, Please be advised that I contacted Transunion and I asked them to show a solid document or signature to prove that the XXXX XXXX performance Debit belongs to me, they were unable to show any solid documents, nor were they able to prove their method of verification or even mention their way of verification. 
As you may know I disputed the validity of the alleged debit posted on my credit report with that frivolous called XXXX XXXX XXXX, they were unable to validate their alleged issue. 
I contacted you on XX/XX/2018 as it shows on this portal complaining about Transunion and their EXTREME time taking to investigate, and until this moment they were unable to DELETE this issue. 
Please find the attached Documents on this letter showing the Transunion reply to me Dated XX/XX/2018, and My respond to Transunion dated today Friday XX/XX/2018. 
I urge CFPB to do an investigation Thoroughly towards this matter. Copies of this complaints and letters will be sent to the New Jersey State Attorney General and the FTC and to my Attorney.
Product: Credit reporting or other personal consumer reports

Ive been with XXXX XXXX for almost XXXX  years. When I purchased my car my agent recommended the XXXX XXXX bank so I refinanced my car through XXXX XXXX bank for a better interest rate. All was fine until XXXX XXXX bank was bought out by a XXXX party company called EMVLP , LLC. Last XX/XX/year>, I made a payment and something happened and my payment was reversed. I didnt not know anything happened to my payment until I go a notification of a change to my credit report and that my credit score went down XXXX points. I contacted the company and they stated that sometimes they send out robot calls. I said would they have at least left a voicemail because this was around tax time and unless a voicemail was left people are skeptical of answering XXXX number phone calls. She stated that it depended on if the robot caught the voicemail right it would have left a message. I did not receive any voicemail. So no point of contact was made, no voicemail, no email or a letter in the mail. So instead of reaching out to a customer they reported it with not contact. I have had this loan for XXXX  years at this point. I always make payments on time and never have had a negative thing hit my credit and this cost me XXXX points. That was a little extreme. I filed a dispute through experian as well as the consumer financial to no avail. I am just wanting the company to take this off my credit since the lack of communication is what resulted in the payment being late. Had I been contacted I could have figured out what happened with my bank and made sure it was paid. Its not fair that my credit to a hit due to not communication on the companies end. Fast forward, I have spoke with the company and filed numerous disputes. However, the last dispute I received a letter stating that the payment was taken out on XX/XX/year> and it resulted in an NSF. I pulled my bank statements and on XX/XX/year> it shows as of that XXXX  I had money in my account. If their information is correct I am not sure why there was a problem with my bank since their was money in my account. I received no phone call, letter or email informing me of the payment being mess up. I had the loan for almost XXXX  year at this point and payments had been made every XXXX. 

I have attached the letter I received from the company as well as my bank statement including dates from XXXX.
Product: Vehicle loan or lease

In XXXXXX/XX/XXXX, I turned in a XXXX XXXX  XXXX at the near end of the lease prompted by encouragement from the dealership ( XXXX XXXX XXXX XXXX XXXX, SC ). The dealership put me in a new XXXX XXXX XXXX with a new lease. Despite the lease still having 3 remaining payments on it, the dealership said they would take care of it as an incentive for leasing the new XXXX XXXX. Additionally, Kia Motors Finance provided me with statements showing the lease with a XXXX ( {$0.00} ) balance. Please see screenshots and documents attached. 
Now, Kia Motors Finance has sent me letters stating I owe {$680.00} ( 3 payments ). This is wrong as they already paid off the XXXX XXXX   XXXX lease. 
I mailed them a letter in XXXX responding to this debt collection effort and a subsequent one in XXXX. I believe that in failing to respond to my letter in writing from XXXX, Kia Motors Finance is in violation of the Fair Debt Collections Practices Act as well as Regulation X for sending another copy of the same letter without addressing my concerns. Copies of my letters and the Kia Motors Finance website are attached.
Product: Student loan

Lender ( Navient ) switched me to electronic billing and then never e-mailed the bills. Stopped mailing paper bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has repeatedly verified the accuracy of Bankruptcy XXXX XXXX which is appearing on my consumer credit reports. XXXX claims that their subscription to XXXX is an acceptable form of verification. 

I have sent certified/return receipt dispute letters to Experian requesting verification of the reported bankruptcy. These dispute letters were received by them on XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18 and XX/XX/18. Upon receiving their last response that they once again claimed the bankruptcy was verified I requested, per FCRA 611 ( 15 U.S.C. 1681I ) that they provide me with a description of the procedure used to determine the accuracy and completeness of the disputed information. I informed them that FCRA Section 611 ( a ) ( 2 ) requires them to contact the furnisher of the information and to provide me with the name, address, and telephone number of each federal bankruptcy court clerk contacted regarding this alleged bankruptcy ; who they referred this dispute to ; and who responded back with the required verification. 

In the meantime, I also obtained a letter from the US Bankruptcy Court in XXXX, NY, which clearly stated that they do not provide any information to the credit bureaus. Experian 's claim that they verified the Bankruptcy through the US Bankruptcy Court is false as I spoke with a clerk through the phone number they provided on my credit report and she provided me with a letter confirming that is false. Furthermore : PLEASE NOTE : Bankruptcy Rule 9037 which states that " personal identification information defined as individuals ' Social Security and taxpayer identification numbers, names of minor children, last four digits of financial account numbers, and dates of birth, be redacted from documents filed with the court. '' Therefore, Experians claim that their subscription to XXXX was used to obtain verification is not only a violation of FCRA Section 611 ( a ) ( 2 ) which requires you to notify the party who furnished the disputed information, Experian is also in violation of Section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) which prohibits unfair or deceptive acts or practices '' by purposely reporting information that they have assumed is verifiable based off circumstance. 

I implore your agency to please assist me in having this unverifiable information from a database XXXX XXXX XXXX that does not allow access to any personal identification information, removed from reporting on my credit files. Experians practice is highly damaging to my credit and I would be remiss not to request your assistance with this issue. 

Thank you for your time and assistance in this extremely important issue.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX account number XXXX has violated my rights. 15 USC 1681-602A states I have the right to privacy. 15USC 1681-604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I am not liable for these debts, I do not have a contract with these collections, and they did not provide me with the original contract as I requested.

Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER given you written notice and consent to report ANYTHING on my consumer reports. As a consumer by law this account must be deleted, or late payments must be deleted immediately, or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to XXXX and Attorneys General Office and Federal trade commission. 15 USC 1681 ( a ) this company is in violation of my rights to privacy and information I want to be private that is posted on my report is a violation. Infringed upon my right of privacy, there are so many errors of FCRA violation, this account is unverifiable and inaccurate.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my ALLY FINCL - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"
Product: Student loan

I was in school at XXXX University at XXXX during the XX/XX/2015. Despite being in school, Navient has reported my account to the credit bureau as late. They have received proof from the University to show my half-time enrollment. My loan was supposed to be in forbearance
Product: Credit card

On Saturday XX/XX/ XXXX XXXX  with no explanation Capital One had closed my account without letting me know any knowledge and that the judgment is final and that I can not dispute their judgment but I've never had a credit card before I've never been in debt to my knowledge I've never been in trouble for credit fraud or anything that has to do with money never they're the only place that would give me a line of credit of {$300.00} and they can see that my yearly salary I can pay that no problem I make almost {$80000.00} a year why nobody else will give me credit I don't know nobody will give me a shot except for Capital One but within 2 months they shut my account down without explanation I need help
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my address. These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile. To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXXTo support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth. 
A recent utility bill to verify my current address. 
A copy of my Social Security card to confirm my SSN. 

This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency : 1.Conduct a thorough investigation to identify and remove any inaccurate personal information from my credit report.

2.Update my credit profile to reflect the correct information as listed above.

3.Provide me with a written confirmation once the corrections have been made, along with an updated copy of my credit report. 

Ensuring the accuracy of my personal information is critical to maintaining the integrity of my credit profile. I kindly ask for your prompt attention to this matter and expect the resolution to be completed within the statutory timeframe outlined by the FCRA. 

XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX, CA, undefined