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 update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IN XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Previous Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is the several times I've complained about being a victim of identity theft. You must remove/block any inquiries that was opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have been a great customer of Chase bank for many years. I held a checking account, a savings account, and multiple credit cards -- all with excellent customer behavior ( no late payments, no overdrawn accounts, etc. ) I have a great credit score, and I am employed full-time for several years. I received a notice on XX/XX/2021 that my accounts are being closed by Chase and they no longer will have a relationship with me. When I called to inquire I was informed by multiple representatives as well as by their managers that they can not provide me a reason. When I asked if I can open other accounts they informed me it is a lifetime ban. However, they also recently ( within the past week ) opened a credit card for me, and could not explain why that was allowed, but that everything else isn't -- including my already existing credit cards with XXXX balances and good, responsible consumer behavior. If a company denies services to a customer who is exhibiting good, responsible consumer behavior and refuses to provide an explanation, that is discrimination. If I were to walk into a restaurant dressed appropriately, with the correct amount of money, and be told I was not being served, to never come back, and to not be told why I am being denied service, the news stations would be there. I've also reached out to the XXXX and FTC. I may not be a " big fish '', but I am a loud one, and it is bad business practices to discriminate against responsible customers and not provide just cause.
Product: Credit reporting or other personal consumer reports

Please update my personal information to : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Request for Investigation and Removal of Unauthorized Hard Inquiry from Credit Report I am writing to file a formal complaint regarding hard inquiries that were placed on my credit report without my consent or authorization. I believe that this unauthorized inquiry is in direct violation of several sections of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, 1681c, 1681g, and 1681i. I kindly request your assistance in investigating this matter and ensuring the prompt removal of the inquiry from my credit report.

I am well aware of the FCRA 's provisions that protect consumers from unauthorized or fraudulent activities that negatively impact their credit reports. Section 604 of the FCRA ( 15 U.S.C. 1681b ) clearly stipulates that consumer reporting agencies are required to maintain accurate and fair credit reporting, while Section 611 ( 15 U.S.C. 1681i ) provides consumers with the right to dispute any inaccuracies or unauthorized inquiries on their credit reports. 


The list below is the inquiries located on the credit report that are in violation : ** XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX fo In addition to these sections, the following provisions of the FCRA also support my complaint : 1. Section 605B ( 15 U.S.C. 1681c-2 ) : This section requires that consumer reporting agencies have reasonable procedures in place to ensure that the information they furnish to creditors is accurate.

2. Section 607 ( 15 U.S.C. 1681e ) : This section mandates that consumer reporting agencies must maintain procedures to ensure the maximum possible accuracy of the information contained in consumers ' credit reports. The unauthorized inquiry is evidence of a failure in their procedures. 

XXXX. Section 609 ( 15 U.S.C. 1681g ) : This section outlines the rights of consumers to obtain a copy of their credit report. I exercised this right and discovered the unauthorized hard inquiry, which has negatively impacted my credit score.

4. Section 611 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681i ) : This section entitles consumers to dispute inaccuracies in their credit reports. I dispute the unauthorized hard inquiry and request its removal from my credit report.
Product: Debt collection

Since SUNRISE CREDIT SERVICE has posted a debt I have no idea about on my credit report, I have disputed them and asked for proof of verification of my signature and such and they have done no such thing. They lie and instantly " VERIFY '' the accounts are in fact mine with the credit bureaus. I do NOT owe them a dime. I do NOT CARE if they are " Debt Collectors '' and think they can XXXX me into something I didn't do as I was in XXXX when this supposedly happened. I've told them my ex fiance put a lot of bills and debts in my name without me knowing and it's coming back to haunt me. has posted a debt I have no idea about on my credit report, I have disputed them and asked for proof of verification of my signature and such and they have done no such thing. They lie and instantly " VERIFY '' the accounts are in fact mine with the credit bureaus. I do NOT owe them a dime. I do NOT CARE if they are " Debt Collectors '' and think they can XXXX me into something I didn't do as I was in XXXXl when this supposedly happened. I've told them my ex fiance put a lot of bills and debts in my name without me knowing and it's coming back to haunt me. They also said the debts are open as of XX/XX/2022 which is complete XXXX!
Product: Credit card

XXXX I was released from XXXX and reached out to TargetXXXX trying to resolve this issue due to the fact I was XXXX  at the time that the card was used and not paid
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not liable for this debt with XXXX XXXX XXXX. I do not have a contract with Choice Recovery, inc. they did not provide me with the original contract as I requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

On XX/XX/18 I received a telephone from a woman stating she was with XXXX XXXX XXXX and that she was attempting to collect a debt. I asked the lady to cease and desist in calling me on my job. She became very hostile and noted that she would not and that upon signing a contract that i have not seen or had knowledge of that she had the right to contact me and that she would continue. She told me that she had a court summons and that she was going to serve it on my job. I asked her again and also told her to contact my attorney. I am under Chapter XXXX currently. About 3 minutes later a man called and asked for the Human resources department. He was given the phone number. About 3 minutes later he called and asked to speak to me and noted that the HR Department informed that he could not deliver a summons on their property and insisted in an angry voice that I give him a home address. I inquired as to the address that was listed and he mentioned a PO box I told him to send it that he noted that he would not and that he was going to serve it on my job whether my company liked it or not. He then hung up in my face.
Product: Debt collection

Someone contacted me on XX/XX/XXXX claiming to be a litigation attorney ( even though I can not find the actual law office anywhere online ), and said that Advance America is filing charges against me for fraud for giving a bad check. The attorney himself stated that the check was not bad when it was given, that they even tried to run it and it came back as insufficient funds. The account was closed for non-use not long after when I moved cities, and I was not contacted by the company saying that I owed a debt, and I legitimately forgot about it. This was originally in XX/XX/XXXX, and I have not once received any kind of contact until today when they told me charges were being filed against me because I took out a loan with a bad check, which again, they stated themselves was not a bad check when I gave it to them. They are threatening to come to my work, or that I might go to jail because of it, even though the county told me themselves that the case number they gave me was n't even one that 's used in their court. I would have no problem paying back the loan, but no one has contacted me until now, and no one gave me any information until this morning when legal action was threatened.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES 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. 

Account Name : XXXX XXXX XXXX # XXXX -DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX RE : Trafficking Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX.

{ XXXX } Please block this
information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.I would like all of the accounts mentioned to be deleted and blocked pursuant to 15 USC 1681c-2 ( a ) Please send me notification of the actions taken. I appreciate your prompt attention to this matter.

Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter. 

Sincerely, XXXX XXXX XXXX Enclosures Proof of identity XXXX  documentation
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXXXXXX XXXX XXXXXXXX - XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I filed an identity theft report with the FTC several months ago when I noticed someone had used my private information to obtain credit in my name. Now, Medical Data Services has placed 2 unauthorized accounts on my credit reports and can not prove they belong to me. I would like assistance with helping them remove these unauthorized accounts from my reports.
Product: Debt collection

Portfolio collection contacted me about a debt that I owed and was paid directly to XXXX XXXX. The name of the credit card is XXXX XXXX. Pottfolio has been harassing me, threatening to ruin my credit and livelihood and said they did not care about medical condition. I contracted the XXXX XXXX and need a better living situation fir me and my daughter. It is an extreme hardship : having the XXXX XXXX, battling other XXXX XXXX and being unemployed and XXXX. Because of this my credit score decreased and I have wait to get a house.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I appreciate your taking the time to delete some of the information in my credit file ; however, there are still other accounts that need to be corrected and deleted. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$50.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$220.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXXBalance : {$990.00}
Product: Credit card

I am having XXXX credit card from US Bank ending in XXXX. I used this credit card for XXXX XXXX XXXX which cancelled my contract without my consent. 
Thus, I wanted to create the dispute. Only for name sake this is US Bank. Everything is outsourced. Customer service and technology and everything. While creating dispute, the website crashed. So i need to call them and they created XXXX different dispute. Then I got XXXX different emails which states that i need to upload documents to all of them. I uploaded but then i got an email that documents are not uploaded and i need to send the hard copy of the document using my own envelope and stamps or by fax. Both these methods are time consuming and will cost money to me. Moreover it's totally US bank 's fault that they are not employing XXXX  XXXX Workers but XXXX workers and outsourcing the jobs to create such a website where customers has to do this kind of manual work.
Product: Checking or savings account

I received a text message on how to get started to deposit money into my NEW Wells Fargo Checking Acct and then I also get email for the same thing. A week or so later I recevied the end of month Bank statement showing a checking acct. opened at Wells Fargo Bank. I did go to the bank and they were going to do a investigation and close the account. This has happened at Wells Fargo Bank a few ears ago also. They wanted to freeze my account with the credit bureau 's. I have also received some other mail for some credit cards that someone tried to open in my name but my credit was denied.
Product: Credit reporting or other personal consumer reports

I sent your company a letter disputing account number XXXX with XXXX XXXX XXXX XXXX XXXX XXXX 
I received a response from you dated XX/XX/2024 where you stated that the item had been deleted. Please see copy of both letters enclosed. After reviewing my credit report again, I have noticed that the items have been reinserted. It is my understanding that deleted items can not be reinserted unless the original providers of the information have verified that it was being reported correctly. Is that what has happened? If so, I am requesting all documentation proving the certification of accuracy. 
The Fair Credit Reporting Act also states that if for any reason a deleted item is reinserted into the credit file, the credit bureau is to notify the consumer in writing within 5 days of reinsertion. I do not recall receiving such notification, therefore you violated the FCRA. 
I am willing to give you more time to furnish this information to me before I pursue filing a complaint against your company for the above mentioned FCRA violation. Please forward to me : The name, address, and telephone number ( if available ) of the furnishers of the information confirming its accuracy. 
Documentation stating that the item has been reinserted and the date of reinsertion. 
Documentation stating that, as a consumer, I continue to have the right to add a status of disputed by consumer to the item. 

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

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX 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 I have the right to privacy.

15 I.S.C 1681 section 604 A section 2 : it also states that a consumer reporting agency can not furnish a account without my written instructions.
Product: Mortgage

I had closed a mortgage refinance with Loandepot in XXXX. The Closing disclosure at the time of the loan closing is dated XX/XX/XXXX. The amount due from the borrower was {$1300.00}. 

On XX/XX/XXXX, I received another Closing Disclosure from Loandepot with all terms of the loan the same as before, but the amount due from the borrower was {$1000.00}. I assumed that the company has made a mistake in the Disclosure earlier and they would send me a credit for ( {$1300.00} - {$1000.00} ) = {$22000.00}.

I contacted the loan contacts and asked them why a new Disclosure was sent to me. List of contacts I contacted is below. I also called Customer Service and inquired about the new Disclosure. It has been 2 months since I raised the questions but have not heard any clear answer from them. I am not sure now which Disclosure is the correct one, and whether the company has made any other mistakes while processing my loan. Would appreciate any help. 

XXXX XXXX Licensed Lending Officer NMLS # XXXX Direct ( XXXX ) XXXX Toll Free ( XXXX ) XXXX Fax ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Manager NMLS # XXXX Direct ( XXXX ) XXXX Toll Free ( XXXX ) XXXX Fax ( XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX Processing Manager Direct XXXX XXXX ) XXXX Toll Free ( XXXX ) XXXX Fax ( XXXX ) XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed 4 items on my Equifax Credit Report from the following creditor : XXXX XXXX XXXX Accounts ending in XXXX. XXXX, XXXX and XXXX. The items have inaccurate information in regard to past due status and history. The student loans were included in US Department of Education Fresh Start Program which required the deletion of default and negative history on rehabilitated student loans. The loan service is no longer operating to provide the updates to my credit report so how is Equifax in good faith verifying this information is accurate. In addition, these loans are reflected accurately on my XXXX and XXXX credit reports. I am including in the attachments a copy of the closed dispute from Equifax. I am also including a copy of the letter from the US Department of Education stating that these loans have been rehabilitated and I have included proof that XXXX XXXX XXXX is no longer operational.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX