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

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

the company was lexington law group was suppose to help me with credit score to bring it up, unfortunately they did'nt
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. 
DPT EDXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX
Product: Debt collection

I canceled and returned my cable equipment received a receipt. I have been so frustrated getting nowhere with XXXX XXXX. Can you help? 

Below is who has the debt now Credit Control Corporation, XXXX XXXX XXXX, XXXX XXXX, VA XXXX I have never had a good experience with XXXX.
Product: Mortgage

" To obtain property by fraud, willful misrepresentation of a future act, or false promise. ( d ) In any matter within the jurisdiction of the office, to knowingly and willfully falsify, conceal, or cover up by a trick, scheme, or device a material fact, make any false or fraudulent statement or representation, or make or use any false writing or document, knowing the same to contain any false or fraudulent statement or entry. '' To violate s. 655.922 ( 2 ), subject to ss. 494.001-494.0077. 

Mortgage Servicing & Procedures & Lies : Suntrust concealing the time line when the borrower entered loss mitigation procedures in XXXX in order to justify the late fees that were charged, that the borrower was reported delinquent to the CRA 's during the trial & also in order to conceal the fact that after 6 month of processing XXXX the borrower was first approved ( XX/XX/XXXX/XX/XX/XXXX ) & than shortly thereafter borrower was denied for HAMP - borrower received NO denial Letter. 

Thereafter Suntrust did not apply any funds nor reinstated the loan until XXXX XXXX ( see CFPB case against Suntrust ). 

Constant false and fraudulent written statements by Suntrust XXXX XXXX XXXX from Suntrust stating in letter her letter that " fees were charged because borrower was delinquent entering trial period ''. ( see attached ) Proof XXXX Borrower was assigned a point of contact in XXXX XXXX ( see attached e-mail with point of contact information ) XXXX Borrower NOT delinquent entering loss mitigation in XXXX XXXX ( see attached receipts for the two months prior - No payments past due ) - XXXX XXXX ignores the evidence & continues to deny the fact that the borrower was current. 

XXXX XXXX will also refuses to acknowledge the LOST Paperwork & Faxes : Borrower provided proof that her original application was lost/misplaced, and that instead of receiving trial payments in XX/XX/XXXX as stated by loss mitigation - borrower was asked to re-submit - No trial payments could be conveyed in XX/XX/XXXX because application was lost/misplaced. 
XXXX Borrower had to re-submitted XXXX XXXX XXXX & again XXXX XXXX XXXX. ( see attached proof from SunTrust bank/ Fax logs ) XXXX The application for HAMP was submitted with verified-income ( all tax returns and all documents required in the borrowers package ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent disputes to Experian in accordance with 15 USC 1681i. According the completed disputes received from Experian, an alleged bankruptcy record # XXXX was " verified '' and " accurate '' as a result of their investigation with said furnisher " XXXX XXXX ''. A dispute was filed with XXXX XXXX in which on XX/XX/XXXX, they were unable to " verify '' this record in a time-frame required, and therefore the record was " Removed ''. I have attached a copy of this letter for proof. I received a complete consumer disclosure report from XXXX XXXX dated XX/XX/XXXX, in which the 80 page report did not contain a " Bankruptcy Record ''. I have also attached the letter from the Bankruptcy court stated that they " Do not report filings to CRA 's ''. Experian has violated several Federal Laws, and this alleged record is " Unverified '' and " Contestable '' and therefore must be removed.
Product: Checking or savings account

Sofi closed my account and now doesnt want to send my money at all!
Product: Credit reporting or other personal consumer reports

In accordance with the guidance provided by the Consumer Financial Protection Bureau ( CFPB ), I am submitting the required documentation and a letter from an advocacy organization assisting me due to debt bondage resulting from human trafficking. This situation is covered under the Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I respectfully request that you remove the associated information from my credit report within XXXX business days, in compliance with Section 605C of the Fair Credit Reporting Act. As a victim of human trafficking involving debt bondage, I am seeking the removal and blocking of all listed accounts from my XXXX credit report. 

The accounts in question are : * XXXX, Account Number : XXXX * XXXX XXXX XXXX, Account Number : XXXX * XXXX XXXX, Account Number : XXXX * XXXXXXXXXXXX, Account Number : XXXX * XXXX XXXX, Account Number : XXXX * XXXX  XXXX, Account Number : XXXX * XXXX XXXX, Account Number : XXXX * XXXX XXXX XXXX, Account Number : XXXX * XXXX  XXXX XXXX, Account Number : XXXX * XXXX XXXX, Account Number : XXXX * Chapter 7 Bankruptcy, Account Number : XXXX Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

i reach out to you guys regarding some items on my credit that are still not mine XXXX XXXX XXXX and XXXX XXXX XXXX. Please remove these items from my credit. I've already reached out to the FTC and my local police. There are still items on my credit that are not mine.
Product: Credit reporting or other personal consumer reports

I am writing to formally report fraudulent accounts that have been improperly reported on my credit report by Experian. These accounts are not legitimate and were not opened by me. I am requesting immediate investigation and removal of these fraudulent accounts from my credit report. 
ACCOUNT XXXX : XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX ACCOUNT XXXX : XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Inquires : XXXX CO Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Specific Actions Requested : XXXX. Fully investigate the unauthorized accounts XXXX. Remove all fraudulent accounts from my credit report XXXX. Provide me with a detailed explanation of how these accounts were initially added 4. Ensure that these accounts do not negatively impact my credit score Supporting Evidence : - my credit report showing the fraudulent accounts - identity theft report - Proof of identity - Correspondence with Experian regarding these accounts These unauthorized accounts represent potential identity theft and are causing significant harm to my financial reputation and credit standing. I request a thorough and prompt investigation to resolve this matter.

Desired Resolution : Immediate removal of all fraudulent accounts from my credit report, with written confirmation of the actions taken Preferred Contact Method : email XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is not updating my name and address in my file. I have sent them the requested information three times. They can not find my file. My name and address is incorrect in the Equifax records. When I applied for a mortgage refinance, Equifax told the mortgage company that they had 3 files under my social security  number and they could not release information without fixing this. I called them on XX/XX/20. They told me to fax a request that they correct this by deleting the 2 incorrect files and updating the correct file and to send a copy of my social security card. I sent a the copy and letter as requested on XX/XX/20. On XX/XX/20, when I called to check on the status, they stated they never received it. I sent it a second time on XX/XX/20. On XX/XX/20, when I called to check on the status, they told me that they could not find my file. After transferring me to a different department, they found it and told me they could not update it without a copy of my drivers license. I sent it and a letter requesting that they update my file on XX/XX/20. On XX/XX/20, I received a letter from them saying they couldn't find a file for me because I didn't have a current file or I have not applied for credit recently or I have not actively used credit in the past 10 years. I have had a mortgage for the past 13 years and mortgages prior to that. I have credit cards that I use regularly. I just applied for credit in the past month. On XX/XX/20, when I called to check on the status, they said they couldn't identify me and that they had a document from me but needed a copy of my social security card, drivers license, and a letter requesting an update of my complete information stating my name, address, and phone number. And to request a copy of my current credit report. I sent the requested information on XX/XX/20. Each time I contact them, they can't find my file. Then they find it. Then they tell me I need to send them something additional.
Product: Debt collection

I requested a debt validation for : TD Bank XXXX/Target Credit back on XX/XX/2020 and I have never received any of the requested information. I even contacted the company on a good will effort to have this resolved but they do accept pay to delete and even though I dont agree with account and have not received validation. Also, according to them they added obscene fees and charges to the account that it doubles the amount of original credit issued. The card was supposedly for XXXX dollars limit and they are claiming more than XXXX to settle a debt that they cant validate. I need this immediately deleted from all my credit reports.
Product: Credit card or prepaid card

Applied for credit card after divorce. Provided information they requested, including balance transfer amount. They approved me, then sent a letter after they opened the account saying that they couldn't transfer the full amount- which was the only reason for opening the card. Should have been asked if I wanted to open the account anyway, but they just did it. When I called and discussed assets, they wouldn't consider assets not held at Bank of America because they couldn't verify them. Account should have never been opened since they couldn't do what I was asking for. 
Spoke with XXXX in Arizona on XX/XX/2022.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Date of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX GA XXXX Dear Equifax, XX/XX/XXXX I am writing to dispute the following information that appears on my Equifax report from XX/XX/XXXX : XXXX XXXX  Revolving with account # XXXX opened on XX/XX/XXXX and a balance of {$2200.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX XXXX XXXX Revolving with account # XXXX opened on XX/XX/XXXX and a balance of {$750.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX XXXX XXXX Account with account # XXXX opened on XX/XX/XXXX and a balance of {$970.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX XXXX XXXX Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$9300.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
Collection account from XXXX XXXX XXXX with account XXXX XXXX and a balance of {$13000.00}. The original creditor is XXXX XXXX XXXX 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
I personally signed and sent this letter. 
Sincerely XXXX XXXX XXXX
Product: Debt collection

My hospital bill from XX/XX/XXXX that I have been made monthly payments on since its origin was turned over to " Snow & Sauerteig, LLP '' on XX/XX/XXXX. I sent them a CEASE & DESIST letter on XX/XX/XXXX explaining that I was settling the debt directly with the hospital and not to make any further communication to me regarding this account. On XX/XX/XXXX after the receipt of my cease & desist letter, without my knowledge or consent, Snow & Sauerteig, LLP filed a " Request for Affidavit Signature and Assignment of Debt '' approved through XXXX XXXX XXXX XXXX on XX/XX/XXXX to transfer my XXXX XXXX debt to themselves. I was never notified of this action by the hospital, court, or law firm until recently via paperwork hanging by rubber band on my front door knob apparently delivered by XXXX County Sheriff Department on XX/XX/XXXX. I also received same paperwork via mail on XX/XX/XXXX.
Product: Debt collection

Portfolio Recovery received credit card debt in my name following a divorce that I was disputing with the original credit grantor. I requested verification of the debt, which I did not receive after multiple requests. They advised me to email them on their secured server. To date, I 've received no response. They are also reporting to the credit bureaus that my account is is " Dispute After Resolution, '' which is not possible since nothing has been resolved or verified. Additionally, they are reporting a delinquency date of XX/XX/2015 - again, not possible since I have not agreed to the validity of this debt and made no such arrangements to pay. The original delinquency dates for these accounts was several years ago with the credit grantor, and thus my info is being falsely reported and it is negatively impacting my ability to secure a home mortgage. They are also reporting these accounts multiple times to my credit report, making it seem I am delinquent on more money than what is already in dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : XXXX XXXX Account Dispute for Account Number : XXXX Dear Sir/Madam, I am writing to dispute the accuracy of the information reported on my credit file regarding Account Number XXXX. I have reviewed my credit reports from XXXX and Experian and have identified several significant inaccuracies and violations of my rights under the Fair Credit Reporting Act ( FCRA ), Title 15 of the United States Code ( USC ), and Section 604 in relation to the reporting of my medical information. 

Firstly, there is a discrepancy between the information reported by XXXX and Experian. XXXX indicates that the account is an installment contract, while Experian reports it as a medical bill. This inconsistency raises concerns about the accuracy and proper classification of the account. 

Furthermore, both XXXX and Experian have discrepancies in the reported account open date. XXXX and Experian state that the account was opened on XX/XX/XXXX. However, XXXX reports a balance of {$7200.00}, whereas Experian reports a balance of {$7200.00}. These discrepancies raise doubts about the accuracy and consistency of the reported information. 

Additionally, there is a discrepancy in the terms reported by XXXX and Experian. Experian states that the term limit is 60 months, while XXXX reports a term limit of 0. This inconsistency further questions the accuracy of the reported information. 

Moreover, Experian reports a past due balance of {$5200.00}, whereas XXXX states a past due balance of {$5100.00}. These discrepancies in the reported past due balances cast doubt on the accuracy and integrity of the reported information. 

Furthermore, there are inconsistencies in the last report dates provided by Experian and XXXX. Experian reports a last report date of XX/XX/XXXX, while XXXX states a last report date of XX/XX/XXXX. These differences raise concerns about the timeliness and accuracy of the reported information. 

In addition to the aforementioned inaccuracies, it is important to note that the reporting of medical information without my authorization is a violation of my rights under the Health Insurance Portability and Accountability Act ( HIPAA ). I did not provide consent for my medical information to be shared, and the inclusion of medical information in my credit file is a breach of privacy. 

I am exercising my rights under the FCRA, USC Section 1681, and Section 604, which require accurate and fair reporting of consumer information. I request a thorough investigation into these inaccuracies and violations, as well as the immediate removal of the disputed account from my credit reports.
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  XXXX  XXXX Account Number : XXXX and list of Inquiries 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

I have a business checking account with Bank of America in which there is very little activity. The account was opened in XX/XX/XXXX. Based on the structure of the account ( minimum balance + business saving account ), I was never charged any sort of fee to have the account in place. That being said, in XX/XX/XXXX Bank of America started charging me a {$16.00} fee in my account due to not meeting the minimum balance in the account ( XXXX average balance ). I was NEVER notified of this change, when I discussed with Bank of America representatives ( late XXXX, XXXX ), they indicated that the minimum deposit was ALWAYS XXXX ( it was not, as I wasn't charged a fee for ~3+ years ). As I do not actively use the account, I wasn't aware I was being charged a fee until earlier this year. At that point in time I contacted Bank of America and they refunded me {$48.00} in fees ( 3 months, {$16.00} each month ). Since XX/XX/XXXX I have been charged a total of {$400.00} in fees from the Bank, despite NEVER being notified of the change. It feels absolutely predatory in nature. I have more than ample funds in other accounts with the institution where I could shift funds around to avoid the fees, but, again, I was never made aware. I have been a customer with Bank of America for 20+ years and was an employee with the company for close to 10. This is simply not how you conduct business. If I can not get this corrected I will move my funds to another institution. I currently am employed by a competitor yet I have kept my funds with BAC. When I contacted BAC, I couldn't believe a representative was unable to tell me the specifics of when I started getting charged fees ( they claimed to have minimal history ) nor when the fee structure changed ( they claimed it never changed ). I had to spend time doing my own due diligence by sorting through years of monthly statements to ascertain the exact time in which the fees started and the totality of the fees charged. I look forward to bringing this issue to resolution and fully expect to be refunded the fees charged, in full, due to the lack of correspondence by Bank of America to make me aware that the minimum deposit balance had changed. I hope to hear from you soon regarding this matter. Thank you.
Product: Debt collection

I received a message from XXXX XXXX XXXX XXXX stating I have a complaint against my name and social security number and a warrant was going to be issued at XXXX tomorrow XXXX/XXXX/2015. This is a collections agency/ law office and I 've been ignoring they 're prior calls.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has failed to remove fraudulent collection account from my credit report, despite not providing any concrete proof that these accounts belong to me. I have undeniable evidence that Im a victim of the XXXX XXXXXXXX data breach, where my personal information was stolen. Since then, Ive been fighting for years to have these fraudulent accounts cleared from my report. Im requesting concrete proof that I, XXXX XXXX, was involved in any transactionvisual proof, not just a transaction linked to my name. No scammer would use a stolen credit card in their real name without also obtaining fake identification. Fake IDs and passports are unfortunately prevalent in todays world. Moreover, as a victim of the XXXX XXXX breach, which affected over 400 million people, its entirely plausible that scammers gained access to my stolen identity and created fake documents in my name. If one of the largest credit bureaus was breached, its reasonable to assume that these stolen identities were exploited. I need more than assumptions ; I need definitive proof of my involvement with this fraudulent account