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

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

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

XXXX XXXX XXXXXXXX, LA XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$710.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

This is a unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 30 plus days of no response. Deleted these accounts caused by fraud. 

XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$26000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a joint account with XXXX XXXX XXXX that was charged off XXXX. 

Per my credit report, it states the debt owed is {$3000.00}. This debt is not reported on my spouse 's credit report It was a joint loan ), and they are not responding to calls at XXXX to obtain a copy of the debt so I can try to settle the debt. I have left messages on the general voicemail and a message with XXXX XXXX, the account manager. 

This is not my first time trying to settle this debt. I tried to resolve this debt in XXXX, XXXX. 

I have tried to dispute the debt, and they report back to the credit bureaus but not to me. 

I want them to respond to my inquiry and see if an arrangement can be met. 

My information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX Acct # XXXX last four XXXX Joint with XXXX XXXX XXXX XXXX Any assistance or guidance is appreciated.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I am writing to formally dispute the inaccurate information reported on my credit report concerning my XXXX XXXX XXXX account. The information currently being reported contains significant discrepancies that violate my rights under the Fair Credit Reporting Act ( FCRA ). 

Below are the specific inaccuracies identified in my credit report : Credit Limit Discrepancy : XXXX reports a credit limit of {$2500.00}, while Equifax reports a credit limit of {$0.00}. This inconsistency raises concerns about the accuracy of the data being reported. 
Last Payment Date : XXXX reports the last payment date as XX/XX/year>, while Equifax reports it as XX/XX/year>. These dates are inconsistent and must be reconciled. 
Date Last Active : XXXX lists the date last active as XX/XX/year>, while Equifax lists it as XX/XX/year>. The difference in these dates indicates errors in reporting. 
Payment History Discrepancy : For XX/XX/year>, XXXX reports the account status as " CO '' ( Charge Off ), while Equifax lists it as " XXXX '' ( 120 Days Late ). This discrepancy must be corrected.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I have the right to dispute inaccurate information, and you are obligated to investigate and correct any errors in my credit report.

I request that you : Conduct a thorough investigation of the disputed items listed above. 
Contact XXXX XXXX XXXX to verify the accuracy of the information. 
Provide me with the results of your investigation, including documentation supporting the reporting of this account. 
Correct or delete any inaccurate, unverifiable, or incomplete information in compliance with the FCRA. 
Additionally, I am invoking my rights under the Fair Debt Collection Practices Act ( FDCPA ) to request that you cease and desist from reporting this account until you can verify the accuracy of the information. Continuing to report unverified, inaccurate, or incomplete information is a violation of my consumer rights and may result in legal consequences.

Attached to this letter are copies of my credit report with the inaccurate information highlighted, along with any supporting documentation. I expect a written response confirming the actions taken to resolve this matter within 30 days of receipt, as required under the FCRA. 

Failure to comply with your obligations will result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and I will pursue further legal action to protect my rights. 

Thank you for your prompt attention to this matter. 

Sincerely, [ XXXX XXXX XXXX XXXX XXXX Without Prejudice
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX I sent them information from my dr XXXX sealed and they refusing. To honor the dr .s decision
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm on XXXX XXXX but for some reason you won't let me dispute the problems directly on the website but there are multiple issues 1. )  XXXX XXXX XXXX says I owe {$360.00} says original creditor is XXXX but I've never had a XXXX card as you can see there is no XXXX cards listed on my credit report I was a victim of identity theft a few years ago I don't know if this has anything to do with it or not but this account with this collection agency does not belong to me and if XXXX thinks that I owe money than they need to contact me I'm requesting this be removed from my credit report as soon as possible 2. ) There are two XXXX XXXX  XXXX  one says I owe {$2400.00} the second one says I owe {$6600.00} these were part of  the identity theft that happened back in XX/XX/2016 for the life of me I do not know why they're still being reported the accounts didn't belong to me whenever they were opened and they still don't belong to me they need to be removed from my credit report immediately unless you have some proof that they belong to me if you don't have any proof then remove them please as soon as possible 3. ) There is a closed XXXX  XXXX XXXX account says that I owe {$5200.00} this was also part of the identity theft every other bank realizes that this account was not mine and it's been removed I do not know why it keeps getting reported so far at the bank has not been able to provide any evidence any signatures anything concrete that proves the account is mine everything they have is circumstantial doesn't really prove anything they have account statements well yes whoever the thief was was using the card of course you have account statements unless you have some proof I want this removed immediately even the police are aware that back in XX/XX/2016 I was a victim of identity theft everybody was aware of it we're going on three years later and you still haven't fixed this I'm not going away until it gets fixed this account does not belong to me
Product: Debt collection

This company continues to call me requesting payment on an account that has been closed and settled with the original creditor. National credit systems continues to ask me for the receipt and a copy of my bank ledger which I have provided to them multiple times and they still will not close my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under cit open end consumer credit plan as late for purpose.

146
Product: Mortgage

The prior owner of my property, XXXX XXXX XXXX, XXXX, Ohio XXXX has the cancelled note for the property and I subsequently purchased the property in XXXX 2016. Ocwen identified that they had NO RECORD of an account still existing on the property. Regardless of this XXXX is foreclosing on the property and all references refer back to Ocwen and account number XXXX.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Verified Accounts and Request for Method of Verification under FCRA 611 ( 15 U.S.C. 1681i ) CFPB dispute number XXXX and XXXX and XXXX Dear CFPB, I am writing to formally dispute the accuracy of certain items on my credit report, which were previously verified by the credit reporting agencies. Despite my initial complaint, the credit reporting agencies have failed to provide adequate verification of the disputed items. Therefore, I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ) and requesting a reinvestigation of the disputed items.

According to FCRA 611, the credit reporting agencies are required to verify the source of the information they used to return a " verified '' response to my initial complaint. Since the credit reporting agencies did not contact the Federal Trade Commission ( FTC ) to verify the underlying facts alleged in my identity theft affidavit, they have failed to disclose the source of their initial " verified '' response. 

I request that the credit reporting agencies either : 1. Verify the source of the information used to return a " verified '' response to my initial complaint, or 2. Delete all contested items from the credit report they maintain. 

Failure to comply with this request will result in the credit reporting agencies being held accountable for willful noncompliance and negligent noncompliance with the FCRA. This includes compensating me for all credit denials attributable to the contested items in question. 

Please provide me with written confirmation of the actions taken regarding my dispute within 3 days. 

Thank you for your prompt attention to this matter.
Product: Credit card or prepaid card

I applied for an XXXX credit card on their website since we were purchasing kitchen cabinets from XXXX in the near future. I was approved for the account on XX/XX/2018, and received the card a week later. There was a bonus in that if you spent {$500.00} at non-XXXX stores in the first 3 months you get an XXXX {$25.00} gift certificate. So, we were using the card for various purchases and we received the first bill on XX/XX/2018 for {$33.00} which was promptly paid off. We kept using the XXXX visa card for everyday purchases until I was at XXXX supermarket and tried to use the card, and was denied approval. This was embarrassing and thus we used an alternate card for payment. Since I have a credit score as of late XXXX of XXXX and haven't missed any payments in the last 30 years or so I was baffled why the card was denied. I called the XXXX card issuer ( XXXX XXXX ) on XX/XX/2018 to inquire why my card was declined at the point of sale since I thought my credit was impeccable. The rep, XXXX stated the reason why my account was closed as there were " Number of recent credit inquiries on your credit report '' A week later I finally received the closing account notices from XXXX XXXX. What does that mean especially for someone who has a credit score like I did? I also looked at my credit report online and found that there were only 3 recent inquiries and " ALL '' of them from XXXX XXXX. How can Credit Card issuers like XXXX XXXX  treat consumers like this? Isn't this anti-competitive in that I now will do business somewhere else and I know that there are credit issuers that will want my business. Who are they trying to protect, themselves from good customers? What is more upsetting to me is that XXXX stated the XXXX XXXX had the right to close the account as well as another XXXX project card due to the fine print that was in the credit card agreement. I read it and I have a college degree and it was hard for me to understand. If I decided to sue the agreement states that I could not sue but that I had to use the arbitration system for all disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Experian had completed nothing to correct my Credit Report and eliminate the Fraudulent Information totally from my Credit File. I have disputed this account and submitted complaints over and over again for how many months already but Experian Credit Bureau is not frightened to break Federal law thus they took to be slothful and abandoned my appeals. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Common! Be accountable and stand by the FCRA Law! 

XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I have a couple times on occasion tried to have this late payment removed from a credit report by XXXX XXXX XXXX there will be three things that I will state to three codes that makes the late payment on my credit report not valid 15 USC 1666b under timing of payments. The law states that unless I receive a statement 21 days prior to the due date they can not report anything as late on my open credits. They've never sent anything certified returned so there no was for XXXX  to prove that. Under 15 USC 6802 reporting my information to a non-affiliate financial institution is identity theft and against the law and I never signed anything giving me the option to either have or have not something put on my credit reports they're in violation of that right there also and under 15 USC 1681 B permissible purposes I never did give XXXX written permission to XXXX XXXX or TransUnion to furnish any of my information so this late payment is against the law and needs to be removed immediately and I want the late payments removed off of all three credit bureaus I went removed off of XXXX XXXX and Transunion.
Product: Checking or savings account

I received a text notification on XX/XX/24 about the finishing steps to a new Chime account. I never opened a Chime account nor knew what it was. Upon research, I contacted Chime customer service and after being connected with the fraud department they closed the account. However, whoever opened the account in my name had my social security number, phone number, and current address ( which is not connected to my personal banking accounts or driver 's license ). 

What would be the benefit of opening a bank account in my name and sending the debit card to me? That is what is most confusing and concerning.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I have tried to work with the Credit Bureaus more than once, i have sent several attempts to ask for proof of validation of accounts and they have refused to provide me with Proof. The law states that they must provide with proof if they can not they must delete from my credit or update what needs to show properly on my credit and they fail to do so. I tried my best to work with them but they are not being fair and not following the LAW. I have been trying to work with them Since ( XX/XX/17 of this year that is a total of 4 months of this going on. ) I ask CFPB to help me look further into this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity Bank/XX/XX/XXXX continues to report an account on my credit report that is has is more than 7 years old and should be removed immediately. They falsely reported that the account was closed in XX/XX/XXXX but that is completely false and inaccurate. The account has been closed since XXXX and should be updated and completely removed.
Product: Credit reporting or other personal consumer reports

Recently I reviewed a copy of my credit report and noticed several inaccuracies on my account. These accounts are hurting my ability to obtain credit and does not comply with the maximum possible accuracy standard and must be removed due to its failure to maintain reasonable procedures, which is a violation of 15 U.S.Code 1681e ( b ). It is my understanding that you will investigate these items for me to ensure accuracy. Here are the items I am asking you to verify as accurate : All accounts are on XXXX, TRANSUNION, XXXX ( XXXX XXXX ( ORIGINAL CREDITOR : XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute on XXXX/XXXX/XXXX in regards to some inquires on my report that I did not initiate. The same day Equifax sent me a response saying that the inquires were all valid. I had at least 10 Inquires that I disputed and I know that in one day they did not verify them all. I also have never signed anything or gave consent on any of these inquires and there is a fraud alert placed on my account due to someone trying to get credit in my name fraudulently. I am upset because Equifax did not investigate these items and there is no way they verified them all accurately in one day. I feel that they just tried to feed me some XXXX, thinking that i would just accept it. I mean they did not even wait the 30 day period they normally take to investigate. They just sent me my dispute back the same day saying it was verified which i know for a fact is wrong because i have not signed or authorized anything with these companies!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made many many complaints to CFPB on XXXX XXXX for fraud and identity theft in XXXX. Attached is IRS FORM 14039 Fraud Affidavit. Hopefully XXXX XXXX will recognize the identity theft, forgery, and fraud this time. I have already submitted in previous complaints multiple documents including the XX/XX/2017 sheriffs report and felony information on the thief for forgery and false pretenses. Recognize the fraud and remove the negative listing on my credit report. I had XXXX and was paying off debt monthly because I couldnt make a lump sum payment so how can I make a lump sum payment now when I am on social security?. My credit score was always mid 700s. I had requested many times to remove theft including the fraud payments that allowed the credit limit to be doubled.
Product: Credit reporting or other personal consumer reports

Here is the list of fraudulent inquiries : XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX/2024 XXXX XXXX XXXX XXXXXX/XX/XXXX2024 XXXX  - XXXX/XXXX/2024
Product: Mortgage

PHH the previous servicer of the FHA mortgage loan I had on my residence provided a payoff statement for the mortgage which was the principal plus 110 days of interest. The payoff was made on XXXX XXXX 30 days prior to when the scenario PHH provided was to expire which was XXXX XXXX. 

It is now XXXX XXXX and PHH via their agents on the phone state they are not returning the extra interest and are making varied excuses from the reason they charge 60 days in arrears, which is still half of the amount charged, to the reason that they do n't collect interest FHA does and I need the FHA to refund me the surplus even though they are the originator and servicer. 

Also communicating with their conveyance department is impossible. When I have to key in my loan information it takes over 1h to get through and they do n't accept emails. AS I have no recourse I am now reaching to the CFPB.