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

To whom it may concern, I kindly request the complete and timely expungement of some negative items in my credit profile, but I have not confirmed or accepted that these are accurate. I dispute these claims and demand that any negative information be removed from the reports immediately. The claims that this information in my report is negative, untrue, incorrect, incomplete, untimely, and not verifiable are unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true. After reviewing my report, there are several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I refute your allegations and challenge you to provide proof that you have the right to report this incomplete negative information about me. Document that you have complied with the reporting requirements, and report without any deviations. If you have not complied with the requirements or there are any negative aspects below that have been challenged, you must remove them from my report. Per 15 U.S.C 1681e, 15U.S. code 1666b Timing of payments.

Whenever a consume reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards. 
Please remove the inaccurate 30 day late from the following account XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

After speaking to CFPB, I am asking for resolution on the following issues : 1. It is too hard, nothing like with XXXX and XXXX, to see your FICO score and detailed information that impacts it. I actually was forced to pay for a FICO score but then it did not give me details on what was impacting it. Only general comments such as, " Not having too many or not having any delinquent payments, could be helping your score ''. So, is this saying there is a delinquent or? 
2. Why do you seem to have the same information as XXXX, never late and balance on credit is within {$1500.00}, yet your sore for me is XXXX vs XXXX with XXXX. I want all three bureaus to be on the same page and I should not be penalized by one when info is the same. 
3. Please confirm that there is no late payment, I am unable to find that information on the report that I could see, which is nothing like the other two bureaus who show it all.

4. It says that not having a mortgage, or more than the revolving accounts I have, is hurting my credit. So, because I pay cash for my car, I rent my house and I do not want 20 credit cards, you are punishing me with a lower score. I have no late pays on any account ever, I have two open credit cards that I pay down often but never max out and I have other credit cards that because balance was XXXX they closed them. I should not be penalized for not wanting to get more or pay interest on a mortgage when I can afford not to. 

My score should be very high based on actual credit history, all three bureaus should be nearly the same score when info is the same.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, consumer and natural person, am a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand that a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer pursuant to 15 USC 1681b ( c ) ( 3 ). Pursuant to 15 USC 1681c-2 ( c ) I understand that you may decline to block or may rescind any block but be warned that declining to block the following information that resulted in identity theft without providing me with my written authority of it to be furnished in the first place will constitute as Aggravated Identity Theft pursuant to 18 U.S. Code 1028A. Aggravated Identity theft carries a criminal liability of up to 2 years imprisonment. I assure you the information that I am presenting to you was not blocked in error. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I was forced to file bankruptcy on a company that i own, XXXX XXXX XXXXXXXX XXXX XXXX, XXXX. The XXXX filed for a Sub XXXX XXXX bankruptcy. Then for some reason, my attorney filed for me personally as well. He did this by mistake because he did not have to do this. The trustee, dismissed this and advised me that i only needed to file for the business, not personal. So i should not have a personal bankruptcy on my credit reports through the 3 bureaus. Only XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, should have the bankruptcy filed.
Product: Debt or credit management

Lexington Law took money from my account for XXXX years XXXX month for XXXX years promising me deletions and improve there responses were this takes more time
Product: Credit reporting or other personal consumer reports

XXXX XXXX Experian and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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. 

Bankruptcy - XXXX - 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to privacy this Bankruptcy shouldn't be on my credit report, you shared my personal Information without my consent. this is identity theft ; you are criminally and CIVILLY LIABLE - This account are inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

, XXXX XXXX, Experian, and XXXX have 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 an 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 or 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 data is inaccurate.
Product: Checking or savings account

There was an unauthorized transaction from my account for {$150.00} back in XXXX of XXXX to XXXX and I submitted Chase Bank a signed declaration stating that it was fraudulent. However Chase Bank after refunding my funds took them back stating that because I was a customer of XXXX that the transaction was authorized. I contacted XXXX and informed them and we had several 3 way conversation with Chase Bank. In fact XX/XX/XXXX XXXX submitted a letter to Chase Bank informing them that the transaction was not credited to any account of mine and it was misapplied. Still with that letter and my sown signed statement Chase Bank has refused to recoup my funds and that has been going on since XX/XX/XXXX and the last communication I had was the resubmitting of the requested documentation XX/XX/XXXX and the last phone call when I was informed that the case was closed back in XXXX of XXXX in spite of the Banks request for more documentation. I have been told by both companies that there is nothing they can do about it each one is blaming the others and telling me their policies.
Product: Credit reporting

Equifax has claimed that account details have been verified without any documentation in regards to accounts reported by XXXX XXXX XXXX and XXXX XXXX XXXX yet I am the only party providing documentation against all these fradulent accounts. I would include XXXX XXXX but I will take Equifax at their word when they claim that this account is no longer on my report. I have provided a settlement agreement to Equifax reguarding XXXX XXXX XXXX when I used ther representative in court and the settlement clearly states that this debt can never be collected on by anyone, yet Equifax reports this because someone says so. XXXX XXXX XXXX has refused to provide any agreement in regards to this account, yet Equifax reports them because XXXX XXXX XXXX says so. XXXX XXXX XXXX has never stated what was on this account and if it is a computer, has never tracked down where this computer is, yet Equifax reports it because XXXX XXXX XXXX says so. XXXX XXXX XXXX has changed the address and names on the reported account, yet Equifax reports this because XXXX XXXX XXXX says so, XXXX XXXX XXXX claims to have filed a document that reports their account as income, yet Equifax reports them because XXXX XXXX XXXX says so. I am the ONLY party providing documents yet these accounts are reported because someone says so. I am including a letter from XXXX XXXX XXXX through the CFPB showing that XXXX XXXX XXXX claims to have filed a XXXX and that they are holding my credit ransom on a fradulent account by continuing collections, I will also provide a document from XXXX XXXX XXXX that shows a second name and that the name is my wife 's yet her maiden name is on it, almost a year after we were married on XXXX XXXX, 2012 and after my wife did change her name at a XXXX XXXX XXXX branch in XXXX Virginia XX/XX/2012 with a social security card and a drivers license with her married name on it and provided a copy of her card to Equifax. This is the last time documents will be sent before I file my lawsuit against Equifax. I have tried to keep this out of the courts but Equifax refuses to give me a fair investigation. Name, Address, Social Security Number, and Date of Birth being provided by a company is not the result of a fair investigation, as someone had this information to set up these accounts. Everything else that was reported months ago had shown fradulent activity and were removed so what makes the last XXXX accounts different as these other companies also said my information was on there but the accounts were fradulent. 6 days until court papers are filed.
Product: Credit reporting or other personal consumer reports

I just received a letter from your company stating that the item I disputed has been up-dated with new information. Well, after carefully looking at my credit report, I dont see what has been updated, and I dont think that was the reason for my dispute. Im a bit confused here. Please tell me what has been updated? For example, has the balance on my account changed? Was the late payment indication on my account removed? What has been updated? If your company cant fully disclose what has been updated, then I need you to re-investigate the item that I disputed. 

XXXX XXXX XXXX Each day your company refuses to investigate the incorrect item is causing me stress. Im asking you for a second time to please investigate the negative accounts listed above. 
I think 30 days should be long enough for your company to complete this investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I filed a FTC XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX in XXXX Ca, submitted my credit application to other lenders without disclosing to me that they would be seeking other lenders. I was pre-approved with XXXX XXXX XXXX for the loan and did not request them to seek other lenders. 

Due to their negligence and actions It has damaged my credit rating with additional hard inquiries placed by the other lenders on my XXXX credit report
Product: Credit reporting or other personal consumer reports

I've learned that the creditor didn't provide the necessary XXXXday notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

Applied for a mortgage and credit report said I had an outstanding judgement {$14000.00} Company : MIDLAND FUNDING LLC?? ; The judgement on the credit report has no information other than the debt collector and date filed XX/XX/XXXX. After further investigation, I did a search of MIDLAND FUNDING to see what this is all about and the company came up as another company MIDLAND CREDIT MANAGEMENT. The MIDLAND CREDIT MANAGEMENT Website prompts to enter personal information to find a debt and a pop window indicated due to the age of the account it will not be reported to the credit bureau. The company had available documents indicating owed balance totaling {$5900.00}, three different creditors different for the same account, conflicting dates, a long pay history from going back to XXXX of XXXX which made sense based on a open judgement for {$14000.00}. 
Issue : 1.Why a judgement was filed on XX/XX/XXXX without notification and reporting in XXXX of XXXX? 
2.Who is the entity Midland funding ?, MCM CREDIT MANAGEMENT?, XXXX? PER STATEMENT POSTED IN MCM ACCOUNT, XXXX? PER SCREEN ACCOUNT Filed. I do not know who the creditor is with all these different names and none of these name appear on my credit report except for Midland Funding LLC. 
Statement provided from MCM with XXXX?? noted as a creditor has a bill date or report date of XX/XX/XXXX and judgement showing in XXXX which is 11 years later? 

3.If payments were made, why is there a judgement and MCM amount is different from judgement. Who are these people??? 
4.Pop up says disclosure to not report debt to credit bureau because of age, but reporting to bureau as a judgement??? 
5. I only became aware of this because the mortgage company told me to fix prior to purchasing a home. A debt from XXXX from the bill looks like it was settled for less, but can not tell with limited information that is all conflicting. 
Overall, I think this is a scam cause of all the conflicting information and just need this judgement removed so I can move forward with my home purchase. thanks you XXXX XXXX DISTRICT COURT/XXXX XXXX Filed XX/XX/XXXX Reporting to credit bureau as of XX/XX/XXXX and original debt on phony statement from MCM is dated XXXX?? https : //accounts.midlandcredit.com/ # / thank you
Product: Credit reporting or other personal consumer reports

I am writing to formally request that the following accounts and inquiries be blocked and deleted from my credit report. I am a victim of a data breach, and my personal information has been compromised, leading to unauthorized accounts and inquiries being associated with my name. In accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to request the removal of these items from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Bank account or service

I 'm writing a complaint against US Bank for false and wrongfully reported information regarding my closed bank account to XXXX. U.S. Bank has reported a " transactions involving items are checks returned as uncollectible '' with Close your status " NOT REPORTED '' this information is nor true or valid. The complaint is inaccurate incomplete and a abuse of power. As documented on my federal credit report to XXXX 's and XXXX I have a credit freeze in multiple reports ab as documented on my federal credit report to XXXX 's and XXXX I have a credit freeze in multiple reports I filed regarding my identity being stolen and I am a victim of identity theft. US Bank close my checking account due to a negative balance this negative balance was related to deposits made into my account from XXXX XXXX 's personal checking account that was later revealed as a closed account. U.S. Bank debited my account twice without refunding the duplicate debit. U.S. Bank ignored my inquiry of account closure, documented identity theft, duplicated debited transactions without refund or cause. I think account was overdrawn for two days and I paid the negative balance in full receiving the rest of my funds XXXX laters in the form of a cashiers check via mail. All items FEES and ALL DAMAGES I PAID INCLUDING ITEMS OF FRAUD AND IDENTITY THEFT THAT WAS DONE TO ME AND VICTIMIZING MY LIVELYHOOD BY A CRIMINAL. A criminal I had subsequently fallen victim too and have been severely punished for acts done by a criminal. I want this account removed permanently from my file and U.S. Bank to held accountable for unethical participation engaging in fraud and identity theft, along with not following procedure and protocol with the theft of my money
Product: Mortgage

We added a XXXX XXXX to our insurance XX/XX/2022. Our property taxes went up in the fall. I assumed the change the payment reflected any and all changes to our escrow. However when the home owners policy renewed the escrow was short {$190.00}. Huntington saw that but didnt pay it and never sent any notice of the shortage to me. I got a letter from the home owner policy that we were being canceled in 7 days due to non payment. I called the bank and no one can tell me what happened or why I not received any notices for adjustments to my monthly payment to cover the changes to the escrow/insurance. I can not get anyone to explain why its. It working and was told to check on it throughout the year myself. I had to ask for another loan analysis to try to calculate the correct mortgage payment to avoid another shortage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX recently received a copy of my ( Experian, XXXX and XXXX ) consumer report, and I noticed some late payments posted on my consumer report : XXXX XXXX Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject tosection 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) XXXX  Making the report is not INCLUEDED on my Consumer report! 
A Late payment is a transactional history, My HISTORY with your company. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!

YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. 
You have 10 calendar days to update my Payment history and or delete all late payments from the below account/s XXXX XXXX Failure to respond satisfactorily with deletion of the above Late Payments, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character Negligent Non Compliance Civil Liability Mental Anguish Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Mortgage

I have a mortgage loan with MR COOPER in which I have been trying to obtain a loan modification since XXXX of XXXX. I have been twice denied with not fully understanding why. In XXXX after I got a letter from MR COOPER it only stated that I was not qualified for a flex modification. In that first application they required two years of taxes and many months of banks statements. The final result they put me in forbearance since XXXX of XXXX. All the correspondent told me after getting out of forbearance I had a few options : 1. Pay the balance due in six months 2. Apply for modification Now that my forbearance is coming to an end they finally informed me after calling and speaking to 6 or more people that done of those options really applied to me. Why, I asked. Well even though I have a XXXX XXXX loan, because they have moved the loan in foreclosure department it disqualified me from receiving any of those relief thats is open to others. 
After close a to full year and suppling MR COOPER with all the documents they required I am now being told I only have three options : 1.Pay up the balance 2.short sale 3.deed in lieu. 

Solution : I would like to speak with my single point of contact which would helped cut through the confusion I have been getting. All my call to reach my dedicated specialist since XX/XX/XXXX as not caught up with her. I just today received notice that I now have a new person. Also I have requested conciliation conference still waiting on that. All this should uncover what is preventing MR COOPER from offering some relief to me on my mortgage. My Principle payment and interest currently is {$510.00} plus property taxes and home owners insurance. What are the basis or numbers for the denial of my modification if I am applying for a FLEX Loan modification, which I was told is a streamline modification. Also what is the loan amortization?
Product: Credit card

On XX/XX/year>, my SoFi credit card was charged XXXX  times for XXXX dollars ( {$490.00} in total ) at XXXX XXXX XXXX in XXXX. The transactions showed up as in person swipes. Ive never been to XXXX and have not traveled further east than XXXX in the past XXXX years. 

I get notifications when a transaction occurs on my card, and I called them XXXX minutes after the transactions took place. I explained what happened, the worker got me a new card ordered, froze my card, and told me that my dispute for the transaction was logged and to expect the adjustments within XXXX billing statements. 

No one reached out for XXXX billing statements and the transactions were not adjusted, so I followed up on XX/XX/year>. I was told the individual I talked to on XX/XX/XXXX did not enter the information correctly, and was assured it was fixed this time, then that this would be adjusted in XXXX billing statements. 

Again, XXXX billing statements passed and I called on XX/XX/XXXX. This time, the worker told me the previous individual did not check a box that needed to be checked, and that the adjustment would be adjusted within XXXX billing cycles. 

All XXXX instances I was told a dispute agent would call me and I have received XXXX calls. Sofi has all my contact information. My XXXX XXXX is through them and credit card. They should have XXXX problem contacting me. I work remote and can answer my phone whenever.