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

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 submitted a letter to the Credit Bureaus to correct these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

I submitted a letter to the 3 Credit Bureaus to delete these unverified inquiries. I think you have not validated these inquiries in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN BUSINESS CRED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

I had a mortgage loan accounts with Wells Fargo. Between XXXX to XXXX. I applied for modification but didn't get approved to save wrongful foreclosures. I haven't received any settlement. Please advise. 

Thanks, R
Product: Debt collection

On XX/XX/18, I got information from a relative that they received a call from a process server about me..that the process server was going to be at my house at XXXX to serve me with papers. Relative called number left and was told this had to do with an auto loan debt re : me. She said she would let me know. I looked up info and it was bogus..many people c/o similar antics by same co.plus I do not owe money to this auto company anymore, I have not dealt with them in over 8 years. I disregarded it ... today ( XX/XX/18 ) another family received another similar call from another so called process server, stating they were trying to get a hold of me and that I was going to be served today etc etc..also they were going to get in touch with my job. I work in healthcare, this is very frowned upon at workplace. I have lived at the same address for 15 years and I have not received anything in the mail which is strange if they knew my address, why not send a certified letter? It is illegal for them to be divulging info in my name to a third party, so I understand. Please help me with this problem. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report for the first time in years, i noticed that I have an abundance of unrecognized hard inquiries most prominatley in the form of, but not limited too ; " XXXX XXXX. The " Creditors '' are listed below - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am not liable for these inquires and do not have a contract with convergent. They have repeatedly failed to provide me with the original application as requested. per 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.
Product: Mortgage

SunTrust Mortgage placed hazard insurance on a residential investment property that I owned. I complied with the instructions for the class action law suit, XXXX v. SunTrust Mortgage Inc. et al., Case No. XXXX ( XXXX. Florida ) but my claim was rejected because it allegedly remained incomplete, even though the documents were submitted in full compliance with the instructions. They ultimately foreclosed on my property, claiming that the loan modification documents provided for the request were incomplete, again, even though they were in full compliance with their instructions.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial lost, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX  has violated my rights XXXX XXXX # XXXX has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights
Product: Credit reporting, credit repair services, or other personal consumer reports

On the XXXX XX/XX/XXXX, I contact XXXX XXXX  to information of a change in my bank account information. During this call I also provided XXXX XXXX  my new account information for payment processing. 

On XX/XX/XXXX, I formally disputed the accuracy of the information that is being reported on my credit report. I kindly requested that they investigate these matters and correct the erroneous information as soon as possible with no response. 

The disputed information is as follows : XXXX30 Day late payment XX/XX/XXXX -30 Day late payment XX/XX/XXXX On XX/XX/XXXX, I wrote XXXX XXXX  informing them of the inaccuracies reported in my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

We agreed to pay off a collection last year in XX/XX/2021 with XXXX XXXX XXXX. The agreement was with account representative XXXX XXXX. that once the amount was paid in full. XXXX XXXX will request for complete deletion from our consumer credit report and send to TransUnion, XXXX and XXXX. This is a joint account in the sum of {$1200.00} was paid by me and my husband.
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, Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX # XXXX and # XXXX, Account name : XXXX  # XXXX, Account name : XXXX  XXXX # XXXX, Account name : XXXX  XXXX # XXXX Account name XXXX XXXX XXXX # XXXX, Account name : XXXX  XXXX # XXXX, Account name : XXXX  XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX # XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX # XXXX Account name : XXXX XXXX  XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX  XXXX XXXX XXXX Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name XXXX XXXXXXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX, Account name : XXXX  # XXXX, Account name : XXXXXXXX XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX  # XXXX, Account name : XXXX  # XXXX, Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account nameXXXX XXXX XXXX XXXX XXXX # XXXX has violated my rights. 


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: Mortgage

On  XXXX / XXXX / 2011  the second mortgage on my home was cancelled but the loan company never filed a Deed of Reconveyance. I am trying to sell my home now, but the cancelled loan is still showing up on the title report.     I have contacted the loan company by phone multiple times, sent in a request via  XXXX   XXXX   XXXX , faxed in request letters, and even faxed a letter from an attorney - but the loan company refuses to give me something in writing that the loan was forgiven and does not exist any more.     I can not sell my home until I have something in writing from this loan company. The buyer I had has terminated the sale due to there not being clear title to this home and now I have an empty house that I can not sell.
Product: Student loan

Last night on XXXX/XXXX/15 at XXXX XXXX, a sallie mae account manager named XXXX XXXX called my mother 's XXXX neighbor ( first name XXXX ) and disclosed my personal student loan information on a voicemail. They were attempting to reach my mother regaind my loans. They have been harrasing me and my relatives with repeated phone calls and have now illegally contacted an outside party and revealed confidential information.
Product: Debt collection

I have contacted the company and they were collecting debt from someone other than me. i did not authorize or sign for any debt, and my ex wife not legally my wife provided false information to the debt company making flase claims its my debt and the collection agency altered the debt collection and stated that im the biological father and therefore its my debt. this is not a legally permissible way to incur debt, an my ex wife provided no information that legally they could add my name to a debt owed by her she is the custodial parent and is in charge of the medical invoices. i provide medical insurance. i have not signing authority for her medical
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was outraged to find multiple inaccuracies that should have never been reported. These errors are not harmless clerical mistakesthey are actively damaging my financial reputation and creating unnecessary roadblocks. I refuse to allow false information to dictate my creditworthiness and demand an immediate and thorough reinvestigation. 

The following items that I'm disputing are as listed : XXXX XXXX XXXX XXXXXXXX - {$0.00} Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. If these disputed accounts can not be fully substantiated with solid, irrefutable evidence, they must be removed immediately. This is not a requestit is a demand for compliance with federal law, and I expect a prompt and decisive resolution. Any failure to correct these errors will not be ignored.
Product: Credit card or prepaid card

On XX/XX/XXXX, I was approved for a Capital One Walmart Rewards credit card, which I have never received. Several weeks later, I called Customer Service to inquire about it, and was transferred to the fraud area, where they placed a restriction to my account and asked me for a copy of my driver 's license or a US state ID. I explained that I do not currently have a US ID because I am a non-US citizen, however I did send them a copy of my XXXX XXXX passport and my XXXX visas, both with attached photo. I also forwarded copies of my account statements that I have with other US banks with my US address, and the Certificate showing my valid ITIN number. By letter dated XX/XX/2021 they gave me XXXX days to send them these documents, otherwise they would proceed to close the account. I have another Capital One Bank credit card ( XXXX XXXX ), which I use normally with no delays in my payments. Therefore, I need my credit card to meet my family consumption needs, which was legally approved by the bank. Thank you in advance for your cooperation.
Product: Vehicle loan or lease

I was stunned once I reviewed my XXXX, XXXX and XXXX credit reports and discovered that I was reported as having a late payment on the date below : 30 days past due as of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this happened, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.
Product: Mortgage

Loan Number : XXXX Amerihome Mortgage I am writing to complain on Amerihome Mortgage. This is my second complaint. I was told to make 3 Trial payments on time in order to receive a loan modification agreement. I have complied and I was told I would receive a loan modification agreement packet in the mail once I had successfully completed the trial payment arrangement. I was to sign, have documents notarized. I have yet to receive this packet and have been told to continue and make now a 5th TRIAL PAYMENT for the month of XX/XX/2020. I am asking for your help due to the fact my condition financially has gotten more critical due to Covid 19. I can not continue to pay high trial payments and I am asking for your help with the Amerihome mortgage people.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX Charge Off Pursuant to 18 USC8, I owe no debt this company is violating my consumer rights by rights to privacy pursuant to 15 USC 1681B. 2 Company has also no permission to report anything using my info pursuant to 15 USC 1681 4
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 : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name XXXX XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Checking or savings account

On XX/XX/23 went out with friends. The total was {$52.00} + {$8.00} tip. Total= {$60.00} penned as such for 4 days. On XX/XX/23 got an overdraft fee alert several at once. Looked at my account and {$600.00} was charged. So I contacted fraud/ claims department at my bank Truist. Made a claim was told to contact that business to send me receipt. The manager emailed it to me asap and apologized and said to have my bank reverse the difference which would be {$540.00} I called back to my bank fraud department and was given website that doesn't accept external emails. Called back was given a bogus website again. This was just a simple case of the decimal point in the wrong spot. After failed attempts to submit my receipt I left work early and went to the bank in person. An agent there submitted my receipt as I was told by claims department I only had 48 hours to do so. I also asked for all my overdraft fees to be waived from this misfortune. I was assured by them this would be resolved. In the meantime they closed the case saying I authorized that amount when I provided receipts and emails from establishment as asked. The bank kept my entire direct deposit for overdraft fees even though I was assured this would be handled. I returned to the bank yesterday and filed another claim on this continuing problem. Claims department even gave bank management wrong email to resubmit my claim and proof. She had to make several calls herself. I then went back to establishment to talk to manager as advised and she refunded the difference. Went back to bank and was told to not deposit it to hold it due to claim. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I formally request that the following inaccurate items be immediately. 
REMOVED, these account are not mine and are fraudulent account and these company refuse to eliminate these account from my report XXXX  XXXX XXXX # XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX JPMCB CARD # XXXX JPMCB CARD # XXXX
Product: Credit reporting or other personal consumer reports

upon checking my credit reports from all three major bureaus i noticed a public record was being reported on my file.i have contacted the furnisher they have told me i mean rather wrote me a letter stating that they arent the ones furnishing this information to XXXX XXXX XXXX XXXX.i have included the letter head from the court house stating that they have no jurisdiction over credit reporting agencies and does not report to any of the agencies.
Product: Checking or savings account

the problem is that i cant log in to my online profile and i call to see if they can help me to reset my password and they dont want because i dont have a social security number and i explain them that is important for me because i lost my phone and i really want to updated my phone number and email so nobody else can log in but they dont want to help me also i request a debit card because the one that i use to have they just closed it when i never request to close my card and the solution for them is to step on to a branch but at this moment i can go im in mexico and there no way for me to cross
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information that appears on my XXXX consumer report : In accordance with the Fair Credit Reporting. Everything has to be 100 % accurate on my report. You stated my account was adequately investigated, but how is that possible if the open date is inaccurate, the current address is inaccurate, the date last reported is inaccurate, the date of the last payment is inaccurate, and the account status is inaccurate? This is grounds for the removal of the items listed and highlighted below and in my credit report that has been attached to this letter. And my rights have been violated under 15U.S.C 1681 Section 602 A. Section I has the right to privacy.

15U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Mortgage

I am a customer of Freedom Mortgage in loan for a property purchased during my XXXX XXXX service. For the past two months, I have been calling their customer service phone number to ask questions about their hardship program due to the COVID-19 pandemic. Recently, the number the company has listed online on their website is answered by a person saying that I need to provide my personal information so they can give me a gift card, then transfer me to freedom mortgage. After denying to provide my personal information, the person answering the call gave me an 800 number to call that was just a general XXXX XXXX XXXX service provider. Furthermore, today I received a call from the county tax collector where the property is located saying that the mortgage company failed to pay property taxes for the past year, which was supposed to be paid from the escrow. I am in a desperate situation because I am unable to talk to any customer services representative.
Product: Checking or savings account

I have this bank account for years it's with fifth third bank But everytime I login into other devices they call me for verification Today I give my sister my bank account login to make a deposit Just because she login into a different type of devices they said they will closed that accounts They were asking me questions I said yes I gave her access to that account They still want to close it I need some help please because that's the only bank account I have Every payment is on it
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT.

Account Name : XXXX # XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX  XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX XXXX XXXX XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX  # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX