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

Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX-Date of Inquiry XX/XX/2021 XXXXDate of Inquiry XX/XX/2021 XXXX XXXX. XXXX XXXX-Date of Inquiry XX/XX/2021 XXXXDate of Inquiry XX/XX/2021
Product: Debt collection

We are working with XXXX XXXX XXXX on a settlement with Sallie Mae regarding an old private student loan They are contacting my immediate and extended family with no legal or person connection to the existing debt.
Product: Credit reporting or other personal consumer reports

Dear Experian Dispute Department, I am writing to formally dispute inaccurate information that remains on my credit report despite previous disputes filed with your agency. The failure to correct or remove this information, after my attempts to resolve it is in violation of your obligations under the Fair Credit Reporting Act ( FCRA ), as recently highlighted in the Consumer Financial Protection Bureau ( CFPB ), lawsuit against XXXX ( XXXX XXXX  ). You all also violated my consumers rights and privacy under 605B. 1666B. 1681B. and 1637B. Im a victim of the latest Data Breach and Identity Fraud.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date : XX/XX/XXXX Since then the date of last activity has been inconsistently updated. On XXXX the date last active is ( XX/XX/XXXX ) an on Transunion it's ( XX/XX/XXXX ) If the information is coming from the original creditor the dates should be the same. We can not say these account are 100 % accurate so it is deemed INACCURATE. Please delete this account from my report. 

Account name : XXXX XXXX XXXXXXXX Account number : XXXX
Product: Checking or savings account

I had an account with Bank of America which i closed in XXXX. XX/XX/XXXX an online merchant refunded an order i placed for {$720.00} and incorrectly refunded it to my Bank of America debit card ( debit card ending XXXX ) which was still in their system. I contacted the lender who showed that the payment did go through and was accepted by the bank despite the card and checking account being closed. they provided me with the XXXX number XXXX. If the bank had rejected the payment due to a closed account they would have been notified and could route to a current account but as BOA accepted the payment BOA needs to either reject the transfer or refund me. I've called BOA multiple times with this information and been told there is no way they could receive a payment to that account despite the merchant providing proof that they did.
Product: Debt collection

I have discovered a debt on my Credit Report, reported by IC Systems Inc. I have disputed it, and it has come back as a valid debt. I have tried to call the company 12 times over he last week to resolve/pay/and get information on this debt, and I can not get a hold of the company. Every number I've tried, an answering service answers and hangs up on me, or they say they are not open, ( I called at XXXX on a Monday, and they are open during that time ). 

I do not believe this is fair reporting if I can not reach the company to resolve the issue on my credit report. I have exhausted all other options to get a hold of this company. 

Thank you.
Product: Credit reporting or other personal consumer reports

The unverified account indicated below continues 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 this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Balance : {$140.00}
Product: Credit reporting or other personal consumer reports

( XXXX XXXX XXXX {$720.00} ), ( XXXX XX/XX/XXXX XXXX {$610.00} ), ( XXXX XXXXXX/XX/XXXX{$1000.00} XXXX, ( XXXXXX/XX/XXXX{$11000.00} ), ( XXXX XXXX XXXX, XXXX {$830.00} ), ( XXXX XXXX XXXX XXXX {$700.00} ) XXXX XXXX XXXX XXXX XXXX {$16000.00} ) ( XXXX XX/XX/XXXX {$830.00} ), and XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX $ XXXX {$13000.00} ) This letter is to inform you that the above referenced accounts being reporting by your company on my credit report is hereby disputed for lack of completeness and/or accuracy. I recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate. Im sure we both understand that most disputes are often conducted using software, such as e-Oscar, and that mistakes can be made during that process, and that the software can have limitations when it comes to completing a proper investigation of records.

I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 enforceable by FACTA 312 which affords me the right to request that you as the information furnisher conduct a reasonable investigation of the information being reported to the credit bureaus.

If youre unable to perform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account. Furthermore, per FCRA Mandates, it is required that this misinformation be forevermore blocked from re-reporting attempts, now or in the future by your company and/or any entity.

If you were able to conduct a proper investigation of the records for this account, and have identified the information reporting as being fully accurate and complete then please send me an explanation of the methods used, and a description of the records reviewed, when you conducted your investigation ; including, but not limited to, sending a copy of the sending a copy of the assignment contract, cease and desist, bill of sale, and/or ownership of the debt to me so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed.

Also, will you send me a copy of the 1099 that was issued.

This letter was completed and mailed to you own accord, and all correspondence related to this dispute should be returned to me at the address listed above. This letter is an attempt to correct the false or misleading information you are reporting on my credit reports and to correct your records.
Product: Credit reporting or other personal consumer reports

This morning, I discovered unauthorized inquiries on my credit report, and I have no idea why. When I checked as usual, these unexpected discrepancies suddenly appeared. I even tried refreshing my browser, thinking it might just be a glitch, but the inquiries remained. I am extremely frustrated and request that the documents Ive sent be thoroughly reviewed so I dont have to face this issue again.
Product: Credit card or prepaid card

Ive always paid my bill and paid off my card numerous times over the past few years, thousands of dollars and even been rewarded increase, my bill was due on the XXXX of XXXX, due to the Corona virus I called in 3 days past my date and come to find out they closed my account! No notice! No phone call, they would even disclose why, Im severely upset and offended now I have no card and balance that was in the works to be paid off, I want my card back and a reason why, even if Ive never been late to have my card closed for no good reason not fair ....
Product: Debt collection

I completed a fraud affidavit a couple of years ago regarding a XXXX bill that did not belong to me. 
I received a copy of my credit report and this company Diversified Consultants has a collection on my reports from XXXX. I contacted XXXX and was informed dispute with the bureaus as well as a file a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed in multiple inquiries to XXXX, XXXX and Equifax regarding inaccurate information listed in my credit report and I have not received any corrections to my credit report or any responses from XXXX or XXXX  about my concerns. I sent these inquires in XXXX, a follow up in XX/XX/2021 and I just sent in a third request this month XXXX XXXX XXXX. It has been several months and I haven't heard anything from XXXX  or TransUnion. I'm not really sure what else I can do on my own so I am submitting this final request before I talk to an attorney about my options.
Product: Money transfer, virtual currency, or money service

In XXXX we experience the loss of our property and had and insurance claim. With chase being the lein holder they told us they would hold XXXX until the home was completed. It took us many years to complete the house after the contractor walked out on us We were told that upon completion chase would send an inspector and the money would be release to us. Which was never done upon contacting chase they are saying the check was sent to us in XX/XX/XXXX and we cash it but refuse to send me documents saying because it was so long the signature is not legible.. I have spoke to chase who told me the money was deposited in an escrow acct. another told me the check was never cashed the research department keep saying we cash a check we never saw. And why was it mailed out without an inspection as we were told..
Product: Money transfer, virtual currency, or money service

Some BTC holdings ( XXXX BTC ) were sold on XXXX/XXXX/2018. The funding destination selected was the XXXX XXXX account number ending in XXXX which is attached to my account. The total of {$10000.00} was to be transferred via ACH within 4-6 business days as stated on their site. The transfer never materialized.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account # XXXX In accordance with the fair credit reporting act, XXXX XXXX Account # XXXX, has violated my rights.

15 USC 168

1 Section 602 states I have the right to privacy. 15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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

I received a property tax refunds from Washington, D.C. Office of Tax and Revenue ( OTR ) for overpayment of my property taxes. These refunds were sent directly to SN Servicing and they did not apply the refunds based on my request that these refunds be applied to my mortgage payment and they did not provide me with information on how these refunds were applied to my account. I have requested documentation to show how much refund was received from Washington, D.C.s Office of Tax and Revenue ( OTR ) information showing how these property tax refunds were applied to my account and have not received this information. Also, I have requested a payment history, and an escrow analysis and still have not received this information. The account manager is very rude and her rudeness is supported by her supervisor. She has hung the phone up on me on multiple occasions and have refused to provide me information on my account. I need help in making sure that the mortgage company has applied funds accurately.
Product: Credit reporting or other personal consumer reports

LVNV FUNDING Account Number : XXXX Address : XXXX XXXX XXXX XXXX, SC XXXX Company indicate that I owe a balance of {$490.00} dollars. 
Phone number : XXXX I have no acknowledgment of who this company is nor have I ever done business with this company to owe such debt. This creditor have never lent me any money. I have never signed any agreement to pay this company back. This agency is violating my rights as a consumer reporting this false information to XXXX, XXXX, and XXXX. Im asking that all 3 bureaus deleted this information from my credit report because its hurting my image as a person.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Experian. 
XXXX XXXX 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 ..... 
These accounts don't belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, your company has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

You have violated my rights : 15 USC 6801 ( a ) : States I have protection of nonpublic personal information. 

1

5 USC 1681 ( a ) ( 4 ) : States I have the right to privacy. 15 USC 1681b ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681c ( a ) ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years. 15 USC 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. Due to your character defamation, privacy violation, identity theft, identity fraud, deceptive and unfair trade. The request to block information is based on factual misrepresentation and not on material misrepresentation. The identified transactions are not information related to any transactions by me as the consumer. Delete Entire Account Due to Confirmed Fraud, Delete Account from Bureau Due to Fraud, Have Been Confirmed as Fraudulent Item Blocked for Inaccurate, Incomplete, or Can not be Verified by Negligently Violated 15 USC 1681 ( a ) ( 2 ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681a ( e ), 15 USC 1681b, 15 USC 1681b ( a ) ( 2 ), 15 USC 1681b ( 2 ), 15 USC 1681c ( a ) ( 5 ), 15 USC 1681c-1, 15 USC 1681c-2 , 15 USC 1681e ( b ), 15 USC 1681g ( 2 ) ( E ), 15 USC 1681i ( a ), 15 USC 1681i ( a ) ( 5 ), 15 USC 1681n ( a ), 15 USC 1681o ( a ), 15 USC 1681s-2 ( a ) ( 1 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1666B, 15 USC 1692c ( a ), 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 6801 ( a ), and 15 USC 6802. I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date.
Product: Credit reporting or other personal consumer reports

I received a notice from Comenity Capital Bank on XXXXXXXX  responding to a notice I wrote to the company on XXXXXXXX  in regard to an account number ending XXXX being reported inaccurately on my consumer report, Your company responded back saying you investigated, and the account was accurate, I never asked for you to do an investigation on this account, I explained that the company was reporting inaccurate /incorrect information on my credit report. Since XX/XX/XXXX you have been reporting XXXX as a charge off, a charge off is considered a certificate of indebtedness and according to the IRS a charge off is considered income and income does not get reported to the consumer report and must be filed on your taxes even if it's under XXXX dollars, according to the IRS. Pursuant to 15 USC 15 1681s-2 it is Comenity Capital Bank responsibility to provide accurate information. To continue to report this inaccurate information on my consumer report is a FCRA violation. You have been put on notice that the information you are reporting is inaccurate. Your company is also in violation of 15 USC 6802, you were not supposed to share or sell my nonpublic personal information to a nonaffiliated third party for profit without my consent, XXXX, XXXX, and XXXX are all also third party nonaffiliates, you were not supposed to share my information without giving disclosure in writing or electronic form that such information may be disclose and giving me the opportunity, before the time that such information is initially disclosed, to direct me on how I can opt out of my information not be disclosed. Pursuant FCRA 15 USC 6803 you violated my privacy rights, you were to maintain and protect the confidentiality and security of my nonpublic information. even if I ceased to be a customer of your financial institution, I never gave you consent to share or sell my identifiable information you violated the Privacy Act of 1974. You are now put on notice that you are reporting inaccurate information, and you are in violation of my Federally Protected rights, as a natural person.
Product: Credit reporting or other personal consumer reports

Please remove fraudulent accounts and hard inquiries off my credit profile from Experian, Equifax, Trans union immediately! 

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

WE WERE WRONGFULLY AND ILLEGALLY EVICTED ON XX/XX/XXXX XXXX, FROM OUR HOME LOCATED AT XXXX XXXX XXXX XXXX XXXX GA XXXX. PERSONS WHO WORK AS STRAWBUYERS FOR XXXX XXXX, GEORGIA XXXX AND CORRUPT LAWFIRMS SUCH AS XXXX XXXX AND XXXX XXXX ARE STEALING MINORITIES HOMES AND NOW WE ARE HOMELESS. AS YOU ARE AWRE OUR CASE IS HUGE CONSISTING OF EXCESSIVE MORTGAGE FRAUD, BUT EVERYONE INCLUDING THE DA 'S, SHERIFFS DEPARTMENT, JUDGES, CLERK OF COURT AND OTHER ARE IGNORING THIS. WE KNOW IN THE LOCAL STATE, MAGISTRATE AND SUPERIOR COURT ALL OF THE JUDGES ARE PAID OFF TRUST AND BELIEVE THAT XXXX XXXX IN XXXX XXXX IS THE KEY JUDGE, HE HAD ALLLLLL OF THE CORRUPT CASES IN HIS COURT ROOM ON XX/XX/XXXX XXXX, EVEN THE CORRUPT LAWYERS/LIARS WHO I FOUGHT WITH IN BANKRUPTCY COURT IN THE SAME COURT ROOM WITH THE SAME REAL ESATE XXXX ON VARIOUS CASE AND OF COURSE XXXX RULED IN ALL OF HTE LAWYERS/LIARS FAVOR. 

SINCE, EVERYONE IS SAYING WE NEVER HAD MORTGAGE FRAUD BECAUSE WE WE XXXX AND INCOMPENTENT THE FRAUD WAS IGNORED AND NOW PERSONS FROM XXXX WORKING FOR XXXX XXXX  AND ALL OF THE CORRUPT JUDGES AND LAWYERS/LIARS IN GEORGIA. BOTHE THE XXXX AND THE CORRUPT XXXX OF XXXX XXXX MUST VACATE THEIR OFFICES IMMEDIATELY. THE MORTGAGE FRAUD ON THESE HIGH END HOMES AS IT PERTAIN S TO MINORITIES IS SO SEVERE, AN ATTORNEY IDENTIFIED XXXX WITHIN THE XXXX XXXX, WHICH IS WEREW XXXX XXXX XXXX IS LOCATED HAS MORTGAGE FRAUD. I KNEW THIS IN XXXX AFTER WE WERE NOTIFIED AND I INVESTIGATED IT AND SUBMITTED VARIOUS DOCUMENTS TO DOJ. THE MAJORITIY OF THE FRAUDSTYERS WERE XXXX RESIDING WITIN THE SUBDIVISION. IT IS A MESSSS!!!! 

AGAIN, WE ARE HOMELESS : WE ARE REQUESTING THE ORIGINAL PROMISSORY NOTE FOR REAL PROPERTY : XXXX XXXX XXXX XXXX, XXXX GEORGIA XXXX THE FRAUSTERS INVOLVED SIGNED MULTIPLE NOTES, SOLD THE NOTE WE NEVER SIGNED, XXXX FORGED OUR SIGNATURES AND SEPERATED THE NOTE FORM THE MORTGAGE FOR US TO PAY UNTIL WE WERE NOTIFIED. 

UNDER FEDERAL CODE 12 U.S. Code 1431 - Powers and duties of banks BANKS CAN NOT LEND MONEY OR ASSSTS AND A REAL PROPERTY IS PAID VIA THE FEDERAL RESERVE BANK AND NO MORTGAGE SHOULD BE PAID. 

WITH THIS SAID SEND US THE ORGINAL PROMISSARY NOTE AND IT BETTER NOT HAVE BEEN CASHED BY ANYONE AS THE ABOVE REAL PROPERTY WAS PAID IN FULL ON XX/XX/XXXX! 

WE MEAN BUSINESS! WE ARE THE CREDITORS AND FORECLOSURE AND CONTRACTS ARE ILLEGAL! 


THE XXXX XXXX XXXX OF NORTHERN DISTRICT OF GEORGIA ISD ALWAYS IN XXXX IN THEFT AND WRONGDOINGS! XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, TRUSTEE LAST NAME XXXX, FEDERAL JUDGES XXXX, XXXX, XXXX JUST CORRUPTED! THIS IS WHERE IS ALL STARTED!
Product: Debt collection

Some one use my sears credit card on XX/XX/2014 for XXXX and now XXXX XXXX want me to pay XXXX. This charges wasnt mame by me.
Product: Mortgage

In   XXXX   XXXX  , I received a notice from Bank of Americ a ( BofA ) st ating that my mortgage account is being transferred to  XXXX   XXXX   XXXX  (  XXXX  ) effective   XXXX   XXXX   XXXX  . No problem. At this point, I had an outstanding balance of {$7600.00} under BofA. In   XXXX   XXXX  , I received a statement from  XXXX  stating that I owed an outstanding balance of {$20000.00}. WHATTT!!!!! I wrote  XXXX  on   XXXX   XXXX   XXXX   disputing the outstanding balance. I received a letter from  XXXX  dated   XXXX   XXXX   XXXX   ( and received    XXXX   XXXX   XXXX     )  stating that I owed {$11000.00} for " property preservation ''. I do not dispute the " property inspection '' or the " property registration '' fees, even though I do not know why I 'm paying these fees. I am disputing the fee of {$11000.00} for " city/notice violation ''. This was the violation incurred by BofA when they did not list my property as foreclosed under  XXXX   XXXX   XXXX . I contacted BofA numerous times for them to pay this violation ( not incurred by me ) and they contact me via email on   XXXX   XXXX   XXXX  , stating that these violations were resolved. It seems that this violation is not resolved and I am being stuck with the charge.   XXXX   stated that I had to revolved this issue with BofA in order for this charge to be removed.  BofA  did not resolved this charge and I need your help to resolve this issue.
Product: Checking or savings account

In XX/XX/XXXX XXXX  was fraudently withdrawn from my checking account. They were all unauthorized tranactions. This person. Withdraw XXXX $ into their XXXX XXXX account. I filed a police report. Stating there were unauthorized transactions my first complaint to citi bank was rejected then i rifled an appeal XXXXXXXX XXXX  XXXX it was denied too!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX : Account XXXX XXXXXXXX : Balance : {$760.00} Account Name : XXXX  : Account XXXX XXXXXXXX Balance : {$760.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX 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.