23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is 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, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and XXXX XXXX XXXX immediately : XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
we've talked to the bank & they've agreed to remove the account. BUT XXXX has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So XXXX feels they're above the letter of the law & will not explain their policy... 
AMEX XXXX Date Opened : XX/XX/2015 Balance : {$5700.00}, AMEX XXXX Date Opened : XX/XX/2015 Balance : {$5800.00}
Product: Mortgage

My name is XXXX XXXX and I have applied for a mortgage with Cross Country Mortgage. I have paid for an appraisal and I am trying to get it transferred to another company. I am getting nothing but the run around from any and everybody that I speak to at Cross Country. They had no problem taking my {$380.00} to cover the cost of the appraisal and now they are giving me the hardest time releasing the product to me that I paid for. This delay is costing me time, money and energy. I get transferred from one department to another with voicemail and no return calls.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I hope this letter finds you well. I am writing to formally dispute a late payment entry on my credit report, specifically pertaining to my credit card account with the details mentioned below : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Type : Credit card Responsibility : Individual Date Opened : XX/XX/XXXX Status : Paid, Closed Status Updated : XX/XX/XXXX Balance : N/A Balance Updated : N/A Recent Payment : N/A Monthly Payment : N/A Credit Limit : {$6500.00} Highest Balance : {$7000.00} Terms : N/A Payment History : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Current / Terms met : 30 Past due 30 days : XXXX Payment history guide : 30 days past due as of XX/XX/XXXX Balance Histories : XX/XX/XXXX : {$33.00} Scheduled Payment : {$33.00} Paid : {$0.00} on XX/XX/XXXX Additional info : As of XX/XX/XXXX, your credit limit/high balance was {$6500.00} Contact Info : Address : XXXX XXXX XXXX, XXXX XXXX TX XXXX Phone Number : ( XXXX ) XXXX I wish to bring your attention to a 30-day past due notation from XX/XX/XXXX, which I believe has been inaccurately reported on my credit profile. I want to emphasize that I have made full payment towards this credit card account, and I possess the necessary evidence to support this fact. 
According to the provisions outlined in 15 U.S. Code 1637 - Open end consumer credit plans ( C ) Payments at local branches.

If the creditor, in the case of a credit card account referred to in subparagraph ( A ), is a financial institution which maintains branches or offices at which payments on any such account are accepted from the obligor in person, the date on which the obligor makes a payment on the account at such branch or office shall be considered to be the date on which the payment is made for purposes of determining whether a late fee or charge may be imposed due to the failure of the obligor to make payment on or before the due date for such payment. 

To substantiate my claim of full payment, I am prepared to provide documented proof, which includes a copy of the payment made at the XXXX XXXX XXXX XXXX as well as any other necessary documentation that demonstrates the complete repayment of my debt. Additionally, I possess video evidence of the transaction that took place at the bank branch.
Product: Debt collection

My credit report contains accounts that I suspect were fraudulently added. Please block and remove these errors immediately.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

My latest request XX/XX/2020 for an investigation into inaccurate reporting of two account. 1. XXXX XXXX XXXX XXXX account # XXXX XXXX. XXXX XXXX account # XXXX. 
Both of these account have inaccurate payment status reporting it says Late 120 days late when in fact that can not be possible since this account is a closed XXXX balance account. 

I have yet to get a response.
Product: Checking or savings account

I had Wells Fargo and I saw they have to pay customers and I havent been paid. I had wellsfargo from XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I was sent a letter from Chase stating that they may have given me erroneous information about a 0 % apr on purchases. They stated in the letter that they will honor the rate until XX/XX/2023. When the rate didnt kick in and I was charged interest, I called them. They told me they found the letter and would refund my interest charges within 7 business days. On XX/XX/XXXX they sent me a notice saying that the XXXX was correct and they did not refund or change the interest rate. I called them and used their online portal to send them copies of their letter and now they are not responding to me. My copies were sent to them on XX/XX/XXXX and I keep getting told I will receive a response in XXXX business days. Still no response.
Product: Credit reporting

Equifax credit reporting agency is merging my brother  XXXX   XXXX  Personal information with mine we do not live together and never have i have asked them to remove it and they have but then  XXXX  keeps adding it on there. I have also sent over several documentation for them to remove information on my account such as previous employers, addresses, and name that i have never used. I have sent over certified documents they received  XXXX   XXXX  to validate 2 accounts that do not belong to me yet they are reporting it to my credit report and also  6  inquires i have asked for them to remove. Equifax is violating the FCRA act and they are not validating accounts they are just adding them to my account without proper authoriztion.
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize these accounts. These accounts are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX ) # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) # XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX Unauthorized INQUIRIES : XXXX XXXXXXXX XX/XX/year> XXXX XXXXXXXX XXXX XX/XX/year> XXXX REMOVE THIS IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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: Debt collection

I called the company on XX/XX/2022 and requested validation. I also sent IQ Data International a Certified Letter, dated XXXX XXXX, XXXX  requesting that they validate the debt within 30 days. Certified Mail Receipt # XXXX XXXX XXXX XXXX XXXX. The company has yet to respond to my Certified letter.
Product: Checking or savings account

I am a former Simple user and I have not been able to access my account since it was converted to a BBVA account on XXXX. I, along with a vast majority of Simple users, have attempted to reach their customer service line and the calls disconnect after one ring each time. I can not access my account or my funds and it is unacceptable.
Product: Credit reporting or other personal consumer reports

I'm a casualty of fraud. I'm writing to demand that you block the accompanying deceitful data from my credit report. I'm currently applying for another credit and these blunders are causing an issue with my XXXX ratings revealing appropriately, so any assist you with canning give me with refreshing this data as quickly as time permits would be incredibly valuable. We are hoping to purchase a house. Kindly assistance
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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

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 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 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 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: Credit reporting or other personal consumer reports

XXXX XXXX To Whom It May Concern :. Validate Account XXXX XXXX XXXX : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account Unknown Case Number : XXXX Please investigate and delete from my credit report. 

XXXX. The status is incorrect for the following account XXXX XXXX XXXX Account Number : XXXX  Please remove this inaccurate information from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 


I am writing to dispute the presence of a dismissed XXXX XXXX XXXX case on my credit report. Under the account reference This action is taken under the guidance of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

XXXX XXXX XXXX XXXX ) was finalized on [ XX/XX/year> ] However, I have encountered a significant issue with its reporting on my credit profile. 

I have recently been informed that there is a XXXX XXXX XXXX in the file you maintain under my Social Security XXXX. Upon ordering a copy of my credit report, I see an entry listing XXXX XXXX XXXX. According to FCRA XXXX ( a ) ( XXXX ) if the credit bureau can not VALIDATE the information they must remove said information from the consumer credit file. 

The United States Bankruptcy courts DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. 

However, the credit bureau actively searches public records for any judgments and tax liens through third-party research. 

A Bankruptcy is public information, Again, the XXXX XXXX XXXX DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Your agency has found information on bankruptcies through third-party research. I also, must add that your recent investigation doesn't provide a data furnisher name, it only states that it was certified to your company that the information is accurate, my question is how and from whom? 

Please validate this information and provide me with copies of any and all documentation associated with these accounts bearing my signature. I formally request that this information is immediately deleted from the credit file you maintain under my social security number. 

Please note that I am closely monitoring my credit file and you have exactly XXXX  days to complete this investigation as per the Fair Credit Reporting Act XXXX ( a ) ( XXXX ) and I will be keeping very careful records of all actions taken regarding my file. 

Failure to respond satisfactorily within XXXX  days of receipt of this certified letter will result in a small claims action against your XXXX. 

Sincerely,
Product: Debt collection

I never go to this hospital I think someone else use my information to go through please I need investigators to know who do that
Product: Consumer Loan

Bought a 2016 XXXX XXXX in XXXX of this year. Financed through Santander consumer. Made payments at our local Santander branch every month. Receipts to prove this. Tonight they repossessed my car saying no payments had ever been made. Offered to send them the receipts that I gave and was told I 'd have to take it up with the branch I made payments at to see if they could find the money. Refused to work With me at all, or even really listen. XXXX with a supervisor who said same thing. The repo order us out, nothing we can do. You should n't have made your payments that way. You can go to the branch tomorrow but we are taking the car tonight.
Product: Credit reporting or other personal consumer reports

Upon attempting to obtain a start up loan, purely by co incidence im sure, after years of having an impeccable payment history with spans of account not being used, XXXX decided to cut my consumer line of credit in half, it was a XXXX XXXX  dollar account. Thats just the start.that is regarding the consumer line of credit with XXXX XXXX. XXXX is the creditor. 
Then there is a second line of credit a commercial line of credit also XXXX, opened under alternate XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This business has no employees, has no employer identification number. The line of credit was opened utilizing my personal social security number. 
Yet XXXX XXXX  has never reported this account on my credit. When confronted after cutting my consumer line in half, they stated it was under the business identity. 
I am the business identity. In fact home depot refunded materials on that account when i first opened it, and they sent me a check made out to XXXX XXXX XXXX XXXX. I still have the check. I had to fight with them to put my given name on that account and re-issue a check as the business was and is run through my personal account. I have and will accept full liability for XXXX XXXX XXXX XXXX  then and now, hence XXXX XXXX 
Whole applyling for a new line of credit or a loan for a start up, XXXX XXXX XXXX, XXXX XXXX  suddenly cut my consumer line of credit, however they did not touch the commercial line, the one that they refuse to report on. Doing so offset my credit usage percentage, possibly being XXXX of the reasons for loan denial. Now due to this i have had to extend more of my credit, making me further from my goal. 
XXXX XXXX  XXXX is guilty of violation of your own statute as well as 15 usc 1681 adverse action. This in concert with chase and the sba are absolutly wrecking my otherwise impeccable score. I started a month ago at XXXX XXXX  XXXX and im still dropping last checked i was below XXXX. In XXXX month partially due to XXXX XXXX  part in this racketeering scheme to lower my credit forcing higher interestrates on loans. Not to mention the XXXX leaking my information to XXXX XXXX  who hit my credit with a hard pull before my expressed authorization, XXXX XXXX approved yet no XXXX  XXXX  will loan me the requested amount, all dome back with a lower offer. Im recording 100 % of this, for offering a loan at a lower rate than requested is XXXX XXXX XXXX XXXX  by XXXX XXXX XXXX. Chase bank did it, XXXX has supplied at least XXXX lenders that have denied a XXXX XXXX backed loan in any amount or in an amount less than requested. I will gladly supply screen shots of most every one of the firms that have adversly affected my credit in this manner. READ THE CODE, 15 usc 1681. ADVERSE ACTION! Offering a loan amount for a lesser amount than requested is a violation of this code.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I have been a victim of identity theft. We have never opened joint accounts or done rental agreement together. We have been trying to remove these things for our reports for 4 years since we first found out. This account on my report and inquiries are not mine. Please remove these fraudulent items from my report. XX/XX/XXXX XX/XX/XXXX XXXX {$110.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$390.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

I have attached the proper information to display the balance with XXXX XXXX is now XXXX. I am requesting that my credit profile is accurately updated to reflect the balance of XXXX. I have made all payments with XXXXXXXX XXXX XXXXXXXX, who purchased the debt from XXXX XXXX. I have also attached copies of letters they've sent me via mail displaying what they were deducting from my account. This is to verify that XXXXXXXX XXXX XXXXXXXX stated they are representing XXXX XXXX. I have also attached the billing statement displaying what has been deducted from my account which is the final payment needed to XXXX out the balance with XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Reference # : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information and Request for Permanent Security Freeze and Permanent Opt-Out Dear Consumer Financial Protection Bureau Representative XXXX I am writing to formally file a complaint regarding the following matters : A dispute of inaccurate information on my consumer reports with XXXX XXXX XXXX XXXX XXXX, XXXX, CoreLogic, XXXX and XXXX. 

A request for a permanent security freeze and permanent opt-out on my consumer file. 

Part XXXX : Dispute of Inaccurate Information Description : I have identified numerous inaccuracies in my consumer reports that require immediate correction under the Fair Credit Reporting Act ( FCRA ). These errors negatively impact the accuracy and integrity of my credit profile. Additionally, under 12 CFR 1006.34 ( c ), I request validation for the alleged debts associated with these accounts. No clear description or evidence of contractual obligation has been provided for these accounts. 

Disputed Accounts : Below are details of the disputed accounts that I have identified as inaccurate : XXXX XXXX XXXX  Account XXXX : XXXX * * * * Dispute Reason : Inaccurate Information I have never held this account. 

XXXX XXXX Account Number : XXXX * * * * Dispute Reason : Inaccurate Information I have never held this account. 

XXXX XXXX XXXX Account XXXX : XXXX * * * * Dispute Reason : Inaccurate Information I have never held this account. 

XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX * * * * Dispute Reason : Inaccurate Information I have never held this account. 

XXXX Bank Account XXXX : XXXX * * * * Dispute Reason : Inaccurate Information I have never held this account. 

XXXX XXXX XXXX Account Number : XXXX * * * * Dispute Reason : Inaccurate Information I have never held this account. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Account Number : XXXX * * * * Dispute Reason : Inaccurate Information I have never held this account. 

XXXX XXXX  Account Number : XXXX * * * * Dispute Reason : Inaccurate Information I have never held this account. 

XXXX Account Number : XXXX * * * * Dispute Reason : Inaccurate Information I have never held this account. 

XXXX XXXX Account Number : XXXX * * * * Dispute Reason : Inaccurate Information I have never held this account. 

XXXX XXXX Account Number : XXXX * * * * Dispute Reason : Inaccurate Information I have never held this account. 

I am requesting a manual review of my file due to the complexity and volume of the inaccuracies. I have enclosed copies of my credit reports with the incorrect information clearly highlighted. Under 15 U.S.C. 1681i, I am entitled to a transparent and thorough reinvestigation of these disputes.
Product: Credit card or prepaid card

on XXXX2021 i filed a police report for unauthorized transactions on my debit card with Netspend they have refused to refund my funds they police have surveilleance and the card is still in posession My name is XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX