23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Subject : Explanation of Credit Report Blemish Due to Identity Theft : RE : First Progress Credit Card XXXX First Progress Credit Card XXXX I hope this letter finds you well. I am writing to explain a blemish on my credit report that has resulted from identity theft. I have been diligently working to resolve this matter and have taken all necessary steps, including filing reports with both the Federal Trade Commission ( FTC ) and the local police, as well as submitting proper disputes to all the credit reporting companies. Delete the account ASAP. 
The identity theft incident occurred when an unauthorized individual accessed my personal information, including my social security number, address, and other sensitive details. As a result of this breach, fraudulent accounts were opened without my knowledge or consent. I immediately took the following actions to rectify the situation : 1. Filed a Report with the Federal Trade Commission ( FTC ) : As soon as I became aware of the identity theft, I promptly filed a report with the FTC to report the fraudulent activity and obtain an Identity Theft Affidavit.

2. Filed a Police Report : Following the FTC 's guidelines, I contacted the local police department to file a formal report regarding identity theft.

3. Submitted Proper Disputes to Credit Reporting Companies : I have submitted detailed dispute letters to all the major credit reporting agencies, explaining the situation and requesting the removal of the fraudulent accounts from my credit report.

4. Enhanced Security Measures : To prevent further identity theft, I have enhanced my security, such as freezing my credit, implementing two-factor authentication, and regularly monitoring my financial accounts.

Delete the account immediately.

Delete the account ASAP. This account is constantly changing the Payment information, and its currently reporting inaccurate.

Thank you for your understanding and prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXXXXXX XXXX XXXXXXXX XX/XX/year> -- {$26000.00} XXXX XXXX XXXX XXXXXX/XX/year> -- {$2800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

someone opened an account as defined in the FCRA without my authorization causing a debtor status to be placed upon me. Now this negative information is reflected in my credit file.
SIERRA AUTO FINANCE LLC ACCOUNT # - XXXX alleged balance XXXX  SIERRA AUTO FINANCE LLC ACCOUNT # - XXXX alleged balance XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

This letter is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} and XXXX XXXX SYSTEM ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00}.
Product: Mortgage

In XX/XX/2023, a loan modification application was submitted to Santander. At the time the application was in review, they proceeded with continuing the sheriff sale on XXXX XXXX XXXX which is Dual Tracking. On XX/XX/XXXX after I requested the amount owed on my FHA mortgage, they called me to say that they will reinstate the mortgage for 40 years at 7.375 % interest with a monthly payment of {$1900.00}. This is three times the value of my home. I need oversight of their underwriting to ensure I will not be a victim of predatory lending.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXXXXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX  # XXXX, XXXX  # XXXXXXXX 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 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven 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: Money transfer, virtual currency, or money service

On XX/XX/XXXX and XX/XX/XXXX I bought {$700.00} of Bitcoin using the coinbase app. A {$100.00} and a {$600.00} transaction.

They double charged my checking account resulting in a {$1400.00} charge. When their customer service finally responded to me they told me to file a dispute with my bank. I did. My bank gave me the {$700.00} back, leaving me with my initial {$700.00} still left in Bitcoin. Everything was well.

On XX/XX/XXXX and XX/XX/XXXX, coinbase took {$700.00} worth of Bitcoin from my account and sent it to themselves. 

I have been trying to reach them ever since so that I could get my money back. The remainder of my initial investment is still in Bitcoin and I would like to withdraw now. One issue is that {$700.00} they took is now worth over {$1000.00}. They took XXXX worth of Bitcoin from me for no reason and I need that money back.
Product: Credit reporting

Transunion has over XXXX unauthorize inquiries and Negatives on my credit report. 
My VA Mortgage of {$1700.00} is not reporting correctly as my VA Mortgage was modified on XXXX XXXX. Also I am requesting that Bankruptcy XXXX Discharge by Federal Judge is not displayed on my credit report and files or Public. 
I am on XXXX and Retired and under the Department of Justice of XXXX XXXX Congress XXXX I respectfully should be accomendated. 
I am a XXXX XXXX XXXX Military Veteran.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a dispute with XXXX about 5 XXXX XXXX XXXX   accounts that are showing on my report. The amounts of the 5 accounts are {$2200.00}, {$3500.00}, {$3700.00}, {$4500.00} and {$5100.00}. I requested for them to send me a signed contract ( proof ) of these and was only told they have been verified but nothing was sent to me in my file to show me a signed contract. On XX/XX/XXXX I submitted another dispute with XXXX about 5 XXXX XXXX XXXX XXXX accounts that are also showing on my report. These amounts are {$4500.00}, {$3500.00}, {$5800.00}, {$7500.00} and {$3600.00}. I requested the same for these accounts, a signed contract ( proof ) and was told the same, they have been verified but NO proof was sent to me in my file. All 10 of my disputes were updated on XX/XX/XXXX. These also show on my Transunion and XXXX  report as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending numerous letters to the Credit Bureaus for them to remove the accounts and information that resulted due to the theft of my Identity. I started send in Dispute letters to the Credit Bureaus on XX/XX/2022 until XX/XX/2022 with complete attachments of my Personal information, but despite all my efforts, the Credit Bureaus seemed to ignore my appeals and neglect their duty to comply with the FCRA section 605b. In my Previous letters and complaints, I am requesting that the Credit Bureaus investigate and verify the accuracy of the items I am disputing by providing me with documents which bear my Signatures. Since then, I have been waiting for them to respond to my letters regarding then investigation and the documents I have been requesting, but after a time of waiting, the Credit Bureaus sent me nothing. The Credit Bureaus are given ample amount of time to do and finish their investigation but their investigation had done nothin to correct my Credit File. Now, I am submitting this complaint to urge the Credit Bureaus to remove the disputed items with or without proper investigation since the time allotted for the Credit Bureaus to conduct their investigation is already over. Once again, I AM REQUESTING THAT THE CREDIT BUREAUS REMOVE THE FOLLOWING ITEMS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX : {$15000.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$780.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX : {$1000.00} XXXX XXXX XXXX Original Creditor : XXXX ) XXXX Balance XXXX {$23000.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXXXXXX Balance : {$1500.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Day, My name is XXXX XXXX XXXX and I am writing to complain on XXXX  for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. I have filed a police report and identity theft report ( XXXX ) and still refuse to help. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.
Product: Debt collection

It's OBVIOUS I'm not ever going to pay the ONLY wrongful complain EVER put on my credit report. I have submitted documentation proof to the collections agency as well as the credit unions proving the charges are not ligament. The credit agency contacted the collections agency and ask them if the information I submitted was acceptable to dismiss and the collections agency responded that person no longer works here. 
Point 1. I received and forwarded an e-mail from the apartment complex manager - waiving apartment painting for early move in. When I moved out years later the apartment manager was gone and the assistant manager XXXX had issues with me so would not accept her previous letter waiving the minimal expense. 
Point 2. I provided the same e-mail proving I was not responsible for the {$130.00} dollars re-painting fee to the credit agency and disputed it in writing. The response from the apartment complex was taken verbally over my proof in writing. 
Point 3. While time passed I paid higher interest rates for a {$960000.00} home I purchased and also paid it off completely in record time. 
Point 4. I ALSO PAID off all my credit cards, vehicle loans and additional mortgage. 
Point 5. I have the invalid debt still on my report and even though I paid over a XXXX dollars worth of bills using credit - MY CREDIT SCORE STILL SUFFERS?? Please Please Please have someone with account knowledge re-score my account properly.
Product: Credit reporting or other personal consumer reports

XXXX has fraudulently added an account to my credit report that is not mine, according to FCRA and consumer laws 15 USC 1681i the time to respond to my dispute has passed and it has defamed and damaged my credit.

This needs to be taken off of my credit report immediately. It is a fraudulent charge and 15 usc 1681 supports this statement
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are picture ID, a bill and a letter helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items of which only 2 are required per the law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I mailed another certified letter ( Exhibit XXXX, USPS Tracking # XXXX / XXXX ) requesting the removal of incorrect and outdated information from my consumer report, including alias names, phone numbers, employment history, former addresses, Social Security numbers, and date of birth. These requests were in compliance with my rights under the FCRA and aimed to ensure the accuracy and privacy of my personal information. 

Equifaxs Non-Compliance Despite my detailed and lawful requests, Equifax failed to take the necessary steps to investigate, verify, and update my consumer report within the required timeframe. On XX/XX/2024, I obtained a consumer report from Equifax ( Exhibit XXXX  Report # XXXX ), and again, my name is listed incorrectly. Equifax 's failure to remove the inaccuracy constitutes four violations, as each instance implicates four FCRA provisions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX 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

I requested Equifax provide me verification of negative on my credit. Fair Credit Reporting Act requires them follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requested them verify the item I am disputing at a higher standard than a computer generated inquiry, XXXX or third party database search. They sent me the typical verification with the creditor information, but failed to give verifiable proof that this was mine.
Product: Mortgage

Refinancing my first mortgage in the amount of {$500000.00}. United Wholesale Mortgage is new lender, they sent the funds to XXXX XXXX XXXX, who is the title company in charging of disbursing the funds and closing the transaction on XX/XX/2020. As of yesterday XX/XX/2020 XXXX title had not yet paid off my old mortgage company which means I am being charge for two mortgages. My old one since they have not been paid off yet and the new one. Title company and the lender keep passing the responsibility to each other and keep producing new closing disclosures that they want me to sign. I am not sure why this is all happening as I signed all of my loan documents on XX/XX/2020 and to my understanding everything was fine!!! I just need help to see who is responsible to pay for their mistake. It should not be me since I did nothing wrong. I should not be paying for both mortgages. I have attached 3 difference CD 's produced by the lender, two after all my final loan documents signed. There is also a log of all the conversation taken place between my mortgage broker and XXXX XXXX. 

Thank you
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned about : 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
Product: Debt collection

Johnson Mark employs the dumbest attorneys first of all. Nobody at this residence has waived their right to privacy. Please provide a signature or phone call proving that this right was waived. 

This company sent a process server to my house and left a summons under the doormat without verifying any information. If you didn't verify, you NEVER should have left the summons. 

The previous owner of this home is a XXXX predator. I have a video doorbell as a result of this. The process server broke my video doorbell which I have had to replace. 

I did ask the process server to leave my property multiple times to which they kept talking over me. I finally told the process server that they needed to leave the property immediately because I don't have any outstanding business or else I was going to get my XXXX to defend myself because I do not know this person and people can buy a clipboard, print out forms and say whatever they want. 

At no time were they able to provide any documentation showing that anyone waived their right to privacy. I have asked multiple times for proof of waiver and they've either refused or just sent copies of statements. 

All that shows is someone opened the account. It doesn't prove that I opened the account. Without a photo ID or signature proving a human opened the account, how would they prove it in court?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Transunion and XXXX has violated my federally protected consumer right to privacy, confidentiality and agencies not reporting 100 % accurate information under 15 U.S.C 1681. 
Since l submitted Since l submitted complaints to Consumer Financial Protection Bureau ( CFPB ) Complaints XXXX for XXXX ID # XXXX, XXXX ID # XXXX and Transunion ID # XXXX the agencys has reach out to XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX  which is XXXX out The several reporting companies l complaint to CFPB on XXXX concerning reporting inaccurate informations. The companys had changed their information to corrected the information reporting and sent the information back to XXXX, XXXX and Transunion. Over the past several years l have disputing a lot of the inaccuracies information with the companys and credit bureau agencys until l filed the complaints with the CFPB thats when the Credit Bureau and Companys is now starting to correct the inaccuracy information been reported by the companys. Im uploading he changed they made because l filed the XX/XX/2022. There are several more companys that l addressed in my complaints on XXXX waiting to hear from the credit bureaus when changes going to occur. The inaccuracy information had impacted my life and Improper use of my report l did not give the Credit Bureaus written permission to furnish my account or my information. I have the right to privacy 15 U.S.C 1681.

Improper use of my report and furnish inaccurate information has violated my right. 15 USC 1681 section 602 A. States l have the right to privacy. 15 USC 1681 section 2. It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedated the report by more than Seven years. 15 US C 1681 s-2 ( A ) ( 1 ) A person shall furnish any relating to consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Im demanding that the accounts in the complaints ID # XXXX, # XXXX XXXX and # XXXX XXXX be permanently and immediately removed from my report in accordance with 15 USC 1681
Product: Credit card

I feel behind on my credit card bills due to economic hardship XX/XX/XXXX/XX/XX/XXXX. I reached out to Chase not to settle for less than the full balance but releif from huge payments and an inflated intetest rate. I enrolled in their economic hardship program that had a low fixed rate and auto drafted my monthly payment. Each year they required me to re-up my autodraft payments. A month before I would get a notice to prompt that is was about to expire and I would call Chase and get the next year taken care of. XX/XX/XXXX I got a statement telling me I was late and when I called becuase I never received a notice they told me they did not need to send notices. I tried to explain that I had received them for the last 4 years and asked why they stopped sending them when I was 2 payments away form completely satisfying the balance. They could not find record of sending the notice. I spoke with a manager and they assured me it would not show up as late, but to my suprise they lied. I tried to dispute the account but they were unwilling to assit. The shame in all of this is that I could have settled for less than the full balance but chose to pay them everything in full. I made every payment ontime and then due to their internal system did not get the notice that the current auto draft cycle was ending - my credit gets knocked.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach and subsequent identity theft. Fraudulent accounts and inquiries have appeared on my credit report without my authorization. I request that you take immediate action to block and delete the following accounts and inquiries as allowed under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) : Accounts to Be Blocked and Deleted : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$140.00} 2. XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} 3. XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$180.00} 4. XXXX XXXX - XXXX - XX/XX/XXXX - {$4700.00} Inquiries to Be Removed : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX