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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, CXXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX  Account # XXXX, 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: Payday loan, title loan, personal loan, or advance loan

I told this company several times that I was going through a divorce and struggling to pay. They kept increasing the payments and I had already paid back more than {$50000.00} on a {$50000.00} loan and they said I still owed around {$42000.00}. I paid on this loan for more than 30 months at between {$1500.00} and {$1800.00} per month and still owed that outrageous amount. The loan was taken out XX/XX/XXXX and forwarded to collections on XX/XX/XXXX after I missed 3 payments. So I made 32 payments ( I can't see my payment history online anymore ), but I paid around {$51000.00} on this loan that they now say is 7 % paid off.
Product: Vehicle loan or lease

I put in an order for a XXXX XXXX XXXX in XX/XX/2020. Upon putting down my deposit I was given written confirmation on their web site of {$4500.00} down and {$430.00} a month. If you currently build and order a XXXX XXXX XXXX on their web site today it shows {$4500.00} down and {$400.00} a month. Unfortunately none of these terms are ever offered by Tesla or their finance partner. Once I applied for financing the terms changed to {$7000.00} down and over {$550.00} a month. I have been asking Tesla now for two months to address why the terms advertised on their web site can not be matched. They kept telling me not to worry, they will adjust it and match the web site prior to my car arrival. Two days before my car was delivered and one day before I had to turn in my old car who's lease had expired, they finally revised the terms NOT matching their web site.They adjusted the terms down to {$4800.00} and {$510.00} a month. I was told take it or just cancel. I have perfect credit, long job time, very high income and high net worth. I'm a homeowner and I believe my credit score is in the mid to high 700 's with zero blemishes. The sales people tried several times to tell me the difference was taxes. However, I know the taxes are only {$39.00} and it was confirmed on their estimate. I asked several times for the finance manager to call me. They refused. According to my calculations the money factor was excessive and about double what was in the market. I believe their finance company can not match their advertised rates. This is false advertising. I'm sure they just normally blame it on some issue with someone's credit etc. But with me they had no excuse. Just refused to talk with me about it and told me to cancel. Left me with no car. Rude and in my opinion illegal. FALSE ADVERTISING
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. 

Account name : XXXX XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX & XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX, Account name : 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 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 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, credit repair services, or other personal consumer reports

I applied for an apartment at XXXX XXXX in XXXX XXXX, NJ with XXXX XXXX XXXX and was denied because of an adverse action supplied by XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and LexisNexis are reporting a bankruptcy and or other adverse actions on my credit report without verifying this information. The New Jersey Court System does not report or verify any information relating to consumer reports with credit reporting agencies. XXXX, XXXX, XXXX, XXXX and LexisNexis are reporting Inaccurate Public Record/s on my consumer credit Report. This has caused damages and are violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq., as amended. XXXX, XXXX, XXXX, XXXX and LexisNexis have been reporting derogatory and inaccurate statements and information relating to my credit history to third parties ( the inaccurate information ). The inaccurate information includes, but is not limited to, a public record judgment/bankruptcy. The inaccurate information negatively reflects upon my credit history which is preventing me from obtaining proper housing and loans. It is affecting my character and representation of being financially responsible as a debtor and credit worthiness. XXXX, XXXX, XXXX, XXXX and LexisNexis have been reporting the inaccurate information through the issuance of false and inaccurate credit information and consumer credit reports that they have disseminated to various persons and credit grantors, both known and unknown.
Product: Credit card or prepaid card

XX/XX/XXXX, XXXX and XXXX. I contacted XXXX XXXX because my credit limit was lowered without prior notification for ( 3 ) cards I have with them. XXXX , XXXX, and XXXX XXXX. I reached out to them because when I logged in online my available credit was {$0.00}. After contacting them I was informed that a letter was sent to me on XX/XX/2018 which was ( 2 ) days before I noticed this issue. A letter that I still have yet to receive. The ethical thing to do would have been to notify me first advising that on my next statement that my credit limit would decrease. This would at least have allowed me the opportunity to make a payment that would provide me with an available credit balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : XXXX  - XXXX - Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction As a consumer by law this account must be deleted immediately - under 18 U.S.C XXXX 
1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than 10000 Delete this immediately XXXX - XXXX - Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction As a consumer by law this account must be deleted immediately - under 18 U.S.C XXXX 
XXXX001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than 10000 Delete this immediately XXXXXXXX XXXX XXXX XXXX - Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction As a consumer by law this account must be deleted immediately - under 18 U.S.C XXXX 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than 10000 Delete this immediately XXXX XXXX XXXX XXXX XXXX  Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction As a consumer by law this account must be deleted immediately - under 18 U.S.C XXXX 
1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than 10000 Delete this immediately XXXX XXXX XXXX - Did not consent to unauthorized inquiry- This inquiry was not authorized please remove this from my credit report XXXX - XX/XX/XXXX - Did not consent to unauthorized inquiry- This inquiry was not authorized please remove this from my credit report XXXX - XX/XX/XXXX - Did not consent to unauthorized inquiry- This inquiry was not authorized please remove this from my credit report
Product: Debt collection

Credence resource management keep calling my phone all day every day i don't answer my phone. i know i don't owe no credit cards or no bills i check my credit report and a debt collection agency put a XXXX bill on My Credit.
Product: Checking or savings account

Both my ATM and credit cards have been compromised by false transactions involving questionable arithmetic in order to explain incorrect balances. 

These fraudulent transactions involved Account # XXXX, Account # XXXX, Account # XXXX ( # printed on card ), as well as Account # new replacement credit card # of which I have not yet received
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Accounts : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXXXXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} 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
Product: Mortgage

I was pre-approved for a house loan by Bank Of America XXXX BOA XXXX. I found a house that was for the amount of the loan. Did everything, supplied everything that the bank asked for. Even financed my car, with the intention of financing it with BOA. Had the house inspected, paid for a credit report, had insurance put on the house, all of this at the request of BOA. Getting everything set to close on this house, and at 2 weeks before closing, BOA denied the loan. Why pre-approve a loan and put me through all of this and then deny the loan? Bank of America is the absolute worst financial institution to apply for a loan. They give false hope, they discriminate against women, and they have no intention of granting an approval if you are n't making mega amounts of money. I am very disgusted with this Banking Institution and would advise anyone who is seeking a house loan to seek it elsewhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection Agency called XXXX XXXX is reporting an account to all three credit bureaus as open in XXXX. I have disputed this several times in the past few years that the account is not mine and no one has sent any proof of the account. My credit file a few years ago showed this account as closed in XXXX, yet now XXXX XXXX has changed from closed to open, more than once causing my credit score to drop 25 or more points. The credit reporting agencies are not doing anything but accepting the word of the collection agency without any proof of this account being opened by me and the collection agency XXXX XXXX refuses to report it was closed by XXXX XXXX in XXXX the credit reporting agencies Transunion , XXXX and XXXX , are only stating on my file that the dispute was resolved but consumer disagrees. 

This is very wrong!
Product: Credit reporting, credit repair services, or other personal consumer reports

id theft victim XXXX XXXX XXXX not my account discharged chapt XXXX not my account XXXX XXXX XXXX  XXXX not my account XXXX XXXX XXXX  XXXX not my account
Product: Credit card

I've consistently made timely payments on this account, ensuring they're never overdue. However, I'm puzzled by reports of late payment remarks on my account. According to 15 USC 1666b, billing errors should be rectified.
Product: Debt collection

On or around XX/XX/XXXX I received a letter from XXXX XXXX XXXX attempting to collect on an debit owed to their client " Wells Fargo Bank ''. In a review of the letter and having prior knowledge that I was a victim of identity theft due to a home burglary I immediately contacted vie phone to notify the company of my dispute. In addition I wrote a formal letter including a copy of the police report and affidavit of forgery outlining the position of law enforcement and the ongoing fraud I was enduring. 

Subsequently, on XX/XX/XXXX I received copies of a bank statement from their client showing the incorrect address of record, incorrect phone numbers, and in addition they included a copy of a signature card with an invalid personal signature. Moreover, in my previous letter to this organization I explicit requested a photo identification validating any such claim which went with no vial. 

In closing, the company in question has violated the Fair Debit Collection Act and failed to provide any of the requested documentation. In addition the named collection agency has failed to accept a notarized police report and signed affidavit of identity theft.
Product: Debt collection

This company/ Collection agency ( Atg Credit ) reported that I owed {$27.00} dollars to them for the original creditor XXXX XXXX XXXX. Atg Credit reported a negative report to the Credit reporting agency XXXX on XX/XX/2018. I called to verify the information and asked them to send proof to me of the transaction with my signature on documents showing it was me and they declined to do so. The Act # is XXXX. I explained to them that the account does not belong to me and it is not mine. The information for Atg Credit is as follow : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX and their phone number is XXXX
Product: Checking or savings account

My online banking account has been locked since XX/XX/2019 and after over 20 phone calls to HSBC, 5 non-responsive emails to their fraud prevention group, the issue has not been addressed. I have filed a formal complaint with HSBC on XX/XX/XXXX and they have not responded to my complaint nor addressed my issue. 

Since XXXX, I have not been able to log into my HSBC account and they also will not allow me to reset my password because they believe the account is fraudulent after I've had the account open since XX/XX/2019. 

I did not have any suspicious transactions into/out of the account but since it has been locked in XXXX, I am not able to close my account or access my funds. 

HSBC is literally the worst bank I have ever dealt with due to their poor customer service, lack of response, and lackluster compliance group
Product: Mortgage

On XX/XX/2020, I contacted PHH Mortgage to ask why the check I had mailed in on XX/XX/2020 had not been cashed yet. A payment of {$520.00} was mailed in along with remaining assumption documents. PHH had mailed out a letter dated XX/XX/2020 requesting four ( 4 ) documents : signed and notarized assumption agreements recorded quit claim deed copy homeowner 's insurance 2 recent paystubs As well as a check for the remaining balance of {$520.00}. 
Documents were returned in the pre-paid envelope on XX/XX/2020. On XX/XX/2020 I was notified that the assumption had been approved. Subsequent phone calls confirmed I was the only account holder yet my most recent statement showed the balance for the loan assumption. I immediately called PHH and asked why the payment had not been processed. I gave the check number ; they verified that it had not been cashed yet and stated they would be starting an investigation of where the check was. I was advised to wait a week before calling back. 
I called today and was told that I needed to send a picture of the check. I again had to explain that I did not have the check, nor had it been cashed ... I was looking into where the check was, as the paperwork that accompanied the check had been processed, which meant the check had also been received. I asked why I was not notified of their request ( for a copy that I don't have ). I again asked for an investigation of where this check was, as it was with the paperwork that had already been approved. 
PHH has consistently shown me that they do not follow through with communication. When first applying for an assumption, I called for an unrelated issue six weeks later and was informed that they were requesting additional documents ... the note had been in their system five weeks prior and I was never notified, it was confirmed that a letter had never been sent to me, although this is standard procedure. It was not until I was referred to an escalation specialist that any investigation was done into my application.

I have again been referred to an escalation specialist because no one can tell me where the check is.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been sending EXPERIAN letters to remove the inaccurate and unverifiable accounts from my reports due to identity theft from a few years back. 

i asked the creditors and experian to send me the proof of alleged debt. Ive been asking every month this year since XXXX, and til this day they are still silence about the accounts i am unaware of, so they continue to report this inaccurate information, causing severe damage to my character. i will have attachments below. 

Experian never responds to my disputes, i want you guys to stop them them from FALSIFYING these negative accounts on my credit report monthly. 

They failed to validate the alleged paid debt that i do not have any knowledge of. so therefore they need to remove it, or i will be be suing them for negligent compliance, furnishing deceptive forms, and a few other laws they continue to violate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the XX/XX/2018 i disputed the tax lien for not meeting the new enhanced reporting requirements but it still remains on my credit report.The federal tax lien on my Transunion credit report from the XXXX XXXX Recorder 's Office do not meet the new requirements under the National Consumer Assistance Plan that states that public record data collected for credit reporting purposes, including bankruptcies, civil judgments and tax liens, must contain the minimum identifying information of : ( 1 ) Name, ( 2 ) Address, and ( 3 ) Full Social Security Number and/or date of birth. I have reviewed the tax lien and it does not have my full SSN # or DOB on it clearly identifying that it belongs to me. Transunion is not following the rules of the National Consumer Assistance Plan. XXXX and XXXX compiled and deleted the inaccurate information.