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

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



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

I have an inquiry on my report that was not authorized by me from the following company, XXXX XXXX XXXX. I disputed this fraudulent credit inquiry with Experian from XX/XX/2019 until the present and no action was taken. Please delete this unauthorized inquiry. I am compelled to demand that you provide communication exclusively through US Postal Mail. If this rational request can not be met, this is a clear indication of Experian and XXXXXXXX XXXX XXXX disregard for consumer protection statutes.
Product: Debt collection

Lack of Verification : ** Despite my request Credit Control LLC has failed to provide substantive evidence validating the authenticity of the alleged debt. This lack of verification is a direct violation of my rights under the FDCPA. 

2. **False or Misleading Representations : ** Credit Control LLC has made misleading statements and threats regarding potential legal actions and negative credit reporting. These actions violate the FDCPA 's provisions against false or deceptive representations. I Never lived or been associated with the address that was provided I am a victim of identity theft
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reinserted information on my credit report that was previously removed. According to the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 5 ) ( B ), if an account is disputed, found to be inaccurate, and subsequently removed, it can not be reinserted without notifying the consumer within five business days. 
The account in question is XXXX XXXXXXXX, which was removed following a dispute. However, I have recently discovered that this account has been reinserted into my credit report without any notification from your agency within the mandated time frame.

This reinsertion without proper notification is a clear violation of FCRA Section 611 ( a ) ( 5 ) ( B ). I request that you : Immediately remove the reinserted information from my credit report. 
Provide written confirmation that this has been done. 
Ensure that all future reinsertions comply with FCRA regulations. 
Attached are copies of relevant documents supporting my claim, including the initial dispute correspondence and confirmation of the accounts removal. 
I expect this matter to be resolved promptly and look forward to your confirmation within 30 days of receipt of this letter. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed this account with the credit bureaus and each time the investigation came back as 'verified '. I decided to go directly to the creditor reporting and dispute with them. The creditor was not able to provide any form of documentation to verify this specific account with me. If they are not able to verify this account with me- the alleged account holder - there is no way they were able to verify this! I have filed a complaint demanding a deletion for this unverifiable account, XXXX Account XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, Innovative Recovery Inc added a derogatory remark on my credit report per XXXX XXXX. Upon further research, this account was transferred and I am no longer reliable for this account. Debtor 's creditor did not verify this collection. Also, there was no written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate a debt and anybody can send me a bill and say it's mine. According to the FCRA, INNOVATIVE RECOVERY has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Product: Credit reporting

please have equifax delete this XXXX XXXX XXXX enclosed is a letter from the lender to delete the trade line
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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$510.00} ; XXXX XXXX XXXX XXXX Balance : {$30000.00} ; XXXX XXXX  XXXX XXXX Balance : {$40000.00} ; XXXX XXXX Balance : {$41000.00} ; XXXX XXXX Balance : {$33000.00} ; XXXX XXXX XXXX Balance : {$470.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, Equifax closed my dispute investigation and refused to remove inaccurate information from my credit report regarding a negative account with XXXX XXXX XXXX XXXX. Equifax confirmation no. XXXX. My Equifax credit report erroneously suggests that since XXXX and before the creditor sold my account, I owed {$11000.00}. Not only is this balance amount incorrect, this reported delinquent balance exceeds the credit limit for this credit card. Also, Equifax incorrectly reports my last payment occurred in XXXX, XXXX. Instead, I made my last payment long before this. In fact, this account now should be more than XXXX XXXX XXXX and therefore, non-reportable as a matter of law. I told Equifax the creditor has not responded to my repeated requests for an itemized statement and payment ledger that reflects all dates payments and transactions occurred, starting with a XXXX running balance, as written debt verification as required by the Fair Credit Reporting Act and Ohio Consumer Sales Practices Act, Ohio Revised Code Section 1345.02 et. seq. I specifically requested that Equifax request the creditor submit a payment ledger and itemized statement to prove the date when the delinquency began, date of last payment and the account balance at the time the creditor sold and charged off my account. But, Equifax 's XX/XX/XXXX final dispute report confirms the creditor did not submit any documents or the written debt verification I requested. Equifax performed no investigation before it closed my dispute. As an attorney, I believe Equifax violated my rights under the Fair Credit Reporting Act as follows : 1. Consumer right to privacy - 15 U.S.C. 1681, Section 602A ; 2. Improper furnishing of account information without or against consumer 's written instructions, 15 U.S.C. 1681, Section 604 A2
Product: Checking or savings account

I opened an online savings account with Marcus by Goldman Sachs XXXX and deposited $ XXXX. They dropped their XXXX and I attempted to move my money to my XXXX XXXX account. I was later notified by XXXX XXXX that the transfer was cancelled. When I sent to log onto my XXXX account, it said my account was locked and that I had to call XXXX to get it unlocked. I called the number the morning of XX/XX/20 and after waiting on hold for XXXX minutes, finally spoke to a person named XXXX. I asked that my account be unlocked and he said he would not. He said I needed to get on a conference call with one of their specialists and someone from XXXX XXXX. I told him to forget about the transfer and that I wanted immediate access to my money. XXXX refused. I asked for his last name and XXXX refused. XXXX would not unlock my account. I then asked to speak with XXXX 's supervisor. I was again placed on hold for more than 10 minutes. I eventually spoke with XXXX supervisor XXXX. I asked XXXX to unlock my account. He too refused. I asked for XXXX last name or his identification number and he also refused. I asked for his phone number and XXXX refused. I asked to speak to his supervisor. XXXX said his boss is a XXXX XXXX XXXX but that I would not be able to speak to him. Currently, my account is locked and I do not have access to my $ XXXX and I have no way of directly communicating with XXXX or XXXX or anyone else at XXXX XXXX.
Product: Debt collection

I am writing to formally request the immediate removal of a fraudulent account that has been incorrectly listed on my credit report. As a victim of identity theft due to the XXXX security breach, I have discovered that The Cbe Group has been reported on my credit file, although this account does not belong to me. 

Despite my previous request for full debt validation from your company, I have yet to receive any documentation or verification regarding this account. As a result, I am left with no choice but to take further action. 

I am preparing to bring this matter before a judge in my local jurisdiction, as this account should not be reported on my credit file under any circumstances. To support my claim, I have attached the following documents : A copy of the police report regarding the identity theft. 

Court paperwork demonstrating the ongoing legal process. 

Please remove the account in question from my credit report within two business days of receiving this letter. Failure to do so will compel me to proceed with filing a civil suit against your company for actual damages. This false information has adversely affected my ability to obtain credit and has caused significant harm. 

Your prompt attention to this matter is not only a legal obligation but also a necessary step to correct the inaccuracies on my credit file. 

Thank you for your immediate action and cooperation. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Yes I am currently back in the state of California after being in a different state for years. I have been unemployed for several years since 2007 I believe. I feel that the possibility of Identity theft and also hacking of my personal accounts has been present in my life and I have had enough of the feeling of being violated and I can not take it. I am currently starting to endure XXXX and XXXX health issues due to the stress of this nonsense and can not tolerate it. I thought I'd advise you of the possible discrimination occuring due to unreasonable, possible personal victimized opinion deriving from possible affairs from a relationship that I was currently dealing with in my life. If you could please take care of this for me or look into advising the different sources I would appreciate it. I do not know how to properly speak or notify via telephone communications cause I am too upset about the issue that's been affecting my life. If this could be taken into effect I would appreciate it alot. That way I could please move on and forward in life and not drown myself in such a ugly atmosphere of nonsense. Thank you
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in REMOVING a portion of the data in my credit file that resulted from FRAUD, but I still have items that should be removed or blocked. According to FCRA section 605, you must destroy any records found on an ID THEFT REPORT. I remembered this report for a previous letter and am including it again. I've informed my lawyer of my intentions, and they are eager to hold you accountable for your tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX AZ XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I would like to file a complaint against Experian, XXXX, and XXXX for violation of the Fair Credit Protection Act. I disputed several inaccuracies on my credit report and on XX/XX/XXXX. Each dispute was sent via certified mail. XXXX signed on XX/XX/XXXX stated my dispute was received, XXXX and XXXX signed on XX/XX/XXXX also stating my dispute was received. 

Under federal law, each Credit Bureaus have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

It has been beyond 30 days since my dispute has been received. However, I have not received my investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX AND EQUIFAX ARE REPORTING FRAUDULETN ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXXXXXX -- -> : {$50000.00} XXXX XXXX XXXX XXXX -- XXXX : {$8100.00} XXXX XXXX  XXXX -- -- XXXX : {$630.00} XXXX XXXX XXXX -- -- XXXX : {$6000.00} XXXX XXXX XXXXXXXX -- -- XXXX : {$920.00} XXXX XXXX XXXX -- -- XXXX : {$5500.00} XXXX XXXX XXXXXXXX -- -- XXXX : {$3000.00} XXXX XXXX XXXX -- XXXX XXXX : {$3000.00} XXXX XXXX  XXXX -- -- XXXX XXXX {$6400.00}
Product: Credit card

We bought through American Express XXXX XXXX XXXX XXXX XXXX XXXX XXXX One of these tickets was for my daughter for my wife and me. My daughter 's ticket was bought with a previous credit that i have with Amex Travel Center and part of it was paid with my American Express, The tickets were confirmed and when we arrived at the airport to take our flight, the airline told us that my daughters flight ticket was suspended because American Express chargeback the flight ticket. We called the Amex Travel Center to resolve this issue, but they did not resolve it. It's important to mention that American Express never notified me about the chargeback, neither Amex Travel Center. We missed our flight and all the expenses we have for this travel that include hotels, tours, train, and other flights.
Product: Credit card or prepaid card

TOTAL DECEPTIVE TRUTH IN LENDING STATEMENTS. USAA FRAUD CREDITS ARE HIDDEN INTERNALLY TO FRAUD CONSUMERS. See attatched XX/XX/2019 statement. OTHER CREDITS {$2.00}, XXXX. Kindly Note at bottom statement CREDITS XXXX $ XXXX XXXX  $ XXXX XXXX XXXX $ XXXX XXXX $ XXXX XXXX NEXT PAGE see top next page CREDITS XXXX $ XXXX XXXX XXXX XXXX *** $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NEXT WE HAVE A TOTAL LINE OF THE ABOVE AMOUNTS that is incorrect ( TOTAL CREDITS APPLIED {$910.00} ) All amounts ARE NOT INCLUDED IN THIS FIGURE TOTALING THEM. ( all amounts above listed below the ** ) ARE ( NOT ) INCLUDED. Kindly Note NONE OF THE ADJUSTMENT CREDITS ( usaa temporary fraud credits ) ARE PROVIDED BY USAA. " DECEPTIVELY MADE TO APPEAR USAA CREDITS WERE PROVIDED WHEN THEY WERE NOT. '' These figures really total {$2.00}, XXXX MISSING USAA CREDITS OF {$1.00}, XXXX. With no explanation. All hidden internally.
Product: Vehicle loan or lease

We have an auto loan with Prestige XXXX since XX/XX/XXXX.  We have noticed that our payoff is only going down roughly {$100.00} a month. We pay {$370.00} a month. Being that we are a little over 5 years into this loan, I know we paid a big chunk of the interest of a 17.99 % auto loan. Normally towards the end of a loan the majority of the interest has been paid and more money comes off the principle balance than {$100.00} of a $ XXXX monthly payment. 
We are assigned an account rep to basically hound us starting the day before payment is due. If we are more than 3 days late we get a " final notice '' to come repossess the vehicle. We get nasty emails and texts throughout the day from our assigned rep. Which we have been through about 8 different assigned reps since our loan started. So anytime we ask about this issue they say, if you don't like it we can come get the vehicle. 

An example is in XX/XX/XXXX our payoff stated it was {$4800.00}. As of today it states our payoff is {$4300.00}. So in 5 months we had {$500.00} come off our principle balance? We have had this loan over 5 years. How long have they been doing this? 
According to my math that is a lot higher than a 17.99 % APR. This has happened our entire loan. Of course it says we owe that much when we only get {$100.00} a month off our balance per month. 

Please look into this. If they are doing this to us, they are doing it to everyone. They are crooks, take advantage of consumers who are put of options for financing and this company must teach to be rude and relentless in collecting payments. Especially when they don't provide a monthly invoice or email invoice. Just rude calls and emails. 

Thank you for taking the time to listen.
Product: Checking or savings account

As stated in three prior CFPB complaints, last complaint marked as duplicate to avoid addressing, funds were not received from intercepted check issued by Capital One. This issue has been on going since XXXX of XXXX, unresolved to date. In order to attempt to resolve issue, I had to reach out to person ( s ) whom intercepted check, signed and cashed it, was given a bad check to compensate for stolen funds ... I explained this in prior CFPB complaints, Capital One rep by the name of XXXX attempted to refer me back to person whom is no longer able to reach, also not my responsibility to do so. A XXXX then replied by referring to a previous statement made by me which states, : I was able to obtain funds from person '' or similar thereof ... As stated above, the check is bad, did not clear, no funds received.. The amount of is {$4200.00}, I am owed this amount by Capital One. Complaints marked as duplicate when they are not will be resubmitted, investigated by CFPB
Product: Credit card

I purchased hardwood floors from XXXX XX/XX/XXXX. I have no idea what the account number is no nothing. I have been paying and all I owed was {$1100.00}. Well my XX/XX/XXXX statement tacked on {$710.00}. I was devastated! Well I tried to pay it off using my XXXX credit card and they would not allow me to do so and that they could only use my checking account. If I do n't have the extra money and I consider this credit card fraud. How would be able to pay it off with the extreme interest rate which does n't show on my statement nor does the account number. They are really using shady tactics and need to be stopped. I have never experienced anything like this before. Thanks for any help you can provide. I 'm XXXX and simply ca n't afford the extra.
Product: Credit card

Symphony Bank has improperly used my report. First the payments wasn't going through, they said that they see that I submitted the payment and it was returned due to problems when processing. In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15 U.S.C. 1681 section 602 states I have the right to privacy. 15 U.S.C. 1666B, A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Debt collection

I have been in touched with this company in regards to an apartment balance that is not owed. The company has not validated the debt and sent proof that's the debt is owed. The sent me a bill with the amount owed by them which means nothing. This debt needs to be removed off of my credit report and needs to be investigated. I was hung up on by several rep 's and was talked unprofessionally too.
Product: Credit reporting 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 Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX BANK XXXX Account Number : XXXX and list of Inquiries. 


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 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 XXXX 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 person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

The original contract with XXXX XXXX XXXX XXXX XXXX XXXX is listed on my credit report allready. The account Monterey Collection services shows in collection is a duplicate account of XXXX XXXX XXXX XXXX XXXX XXXX. This is my second request written request to have them remove the duplicate.The amount shown does not match the original amount, they have negatively reported on my credit report. I asked for physical verification plus they remove duplicate their duplicate account. They have never sentThis appears to be a stall tactic which has hurt my ability to obtain credit. Also I'd like them to send me physical verification where the 12 % interest they are charging me I agreed to. They threatened me and you can see it by the tone in their response to you. They have NOT provided me with a physical copy of any original documentation required under Section 609 ( a ) I demand under FCRA that the unverified duplicate account be removed. If Monterey collection is representing the original. Section 611 ( 5 ) ( A ) of FCRA -your are required to " ... promptly DELETE all information which can not be physically verified.The Law is very clear. Once they remove the information they can reach me at XXXX or mail XXXX XXXX XXXX XXXX XXXX CA XXXX or XXXX XXXX
Product: Mortgage

I previously filed a CFPB complaint XXXX on XX/XX/2020. The mortgage company Lennar Homes/Eagle Mortgage responded saying that they would work with us to resolve. Lennar has made no effort to resolve the issue to our satisfaction. After closing Lennar changed our mortgage from a FHA to a Conventional Loan without our knowledge, Lennar clllected MIP of {$3700.00} at closing and monthly payment of {$150.00} for a year and never sent the money to the FHA to fund the loan. We were only made aware when we tried to refinace and were told we didn't have FHA loan although all of our closing documents show we do. We would like you to reopen our original complaint to get them to resolve the issue. We contacted a lawyer but Lennar failed to respond to their request fro information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lendmark Fin is reporting I have an account with them and I have never had an account with them.