23daVinci/CFPB_Complaints huggingface dataset:
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 : XXXXXXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX  XXXX XXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXX  Account Name : XXXXXXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX  XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX  XXXX XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : 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/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reporting fraud on an address I have never lived at that is being reported on my Experian Account : XXXX XXXX XXXX XXXX XXXX, OK XXXX I have never lived at this address and it has never belonged to me. I request it be removed from my account immediately. 

Also, I have made several attempts to get all incorrect addresses removed from my Experian account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I WAS TRYING TO PURCHASE MY First home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items.
Product: Mortgage

I refinanced my mortgage and paid off the loan with Suntrust ( now Truist ) at the end of XXXX. They owed me the escrow balance of {$2900.00}. I was told that I would receive the payment within 15 days. I called back after the 15 days and was told that there was a pending inquiry and to call back on XX/XX/XXXX. I asked if I could have the payment sent by wire-transfer or direct deposit, and was told " NO ''. I called back on the XXXX and was told that the payment was processed and that I would receive it within 15 days. I called back today ( XX/XX/XXXX ) and was told that I had to wait until XX/XX/XXXX ( 30 days after the date of my Final Escrow Account Statement ) to request a new check to be issued. I asked again if I could have my payment issued via direct deposit or wire transfer, and was again told " NO ''. I just want my refund that is due to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect and inaccurate information is being furnished on my credit report, the balance for XXXX XXXX is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been incorrect information submitted to the credit bureaus for my loan which has resulted in a detrimental XXXX point drop. 

Here is a time outline of actions on my loan account since XX/XX/2020 : XX/XX/2020 - Submitted Hardship Assistance Forms online - I have the have e-mail confirmation XX/XX/2020 - Received e-mail approving hardship request indicating the plan " allows you to skip next 2 monthly payments ( XXXX and XXXX ) XX/XX/2020 - Received e-mail that my second hardship assistance request was accepted ( XXXX and XXXX ) XX/XX/2020 - Received e-mail indicating that next payment due date is XX/XX/2020 XX/XX/2020 - payment withdrawn. 

XXXX Bank has reported to the credit bureau that I am XXXX months behind on payments when in fact, I had been allowed to skip those months under the COVID19 hardship program bank had in place. 

Furthermore, my checking account information has remained in my loan profile for payments to be automatically withdrawn on the due dates. I have never deleted my bank information for payment. If a payment was indeed due, XXXX XXXX XXXX  should have and could have withdrawn automatically.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pulled my credit report and saw that its showing 20 missed payments for my mortgage company that consist of one late payment in XXXX of XXXX. 9 30-60 day late payments in XXXX and 10 60-90 day payments in the XXXX. This information is incorrect. That is considered foreclosure there is no way that after 3 years I would still be in the-home with that many missed payments. I currently still reside in the home and since XXXX of XXXX credit reporting has been accurate. Im requesting validation of late payments/missing payments for those years mention above.
Product: Debt collection

A representative from  True Accord  -   XXXX   XXXX   - continues to email me in regards to a debt. Her emails have become increasingly inappropriate. I have not responded to these emails as I have no written notification of a debt in my name with her company. She uses very intemperate and inappropriate language to address me and this alleged debt. I have a copy of a recent email from  XXXX  and have included a transcript with this report.      XXXX  's latest email subject tell me to : ( My name  ) it ' s time to stop with the games  Body : W hen I grew up I put away childish things.  Enough. P ay what you owe.     I have attached a screenshot of this email.
Product: Money transfer, virtual currency, or money service

I sent XXXX XXXX ( XXXX, TX ) {$500.00} as sublet deposit on XX/XX/2021, via Zelle. But after a few days, it turned out this person is a scammer and I can't reach him any more after paying the deposit. I called XXXX customer service on XX/XX/2021 and reported the Zelle scam. They filed a scam report case number XXXX with Zelle. 

Then I called Zelle 's customer support. I could only reach Zelle 's in-app customer support and they couldn't look up the case number because I was using Zelle with a bank not the Zelle app. They transferred me back to XXXX customer support once they heard that I was using XXXX to send Zelle payments. Finally I got connected with a XXXX customer support who knew what was going on and told me to wait for results. 

Only recently did I receive words from XXXX that Zelle responded on XX/XX/XXXX, that they were unable to return the funds because it was not a scam. How were you able to make that decision without even getting materials from me the victim? 

Here 's all the materials that I can provide via this site to show that this is an actual scam. 

I filed a police report with XXXX PD. More background on the scam : I saw the sublease post on XXXX. Then started texting the scammer with phone number XXXX XXXX XXXX ( now doesn't exist ). After getting the details about the sublease over several days of communication, we had a XXXX video call. Then we finalized on the sublease contract. We both signed and sent the copy via email XXXX ( used for Zelle but now unregistered ). I paid a {$500.00} deposit via Zelle during the signing. Afterwards, the scammer can no longer be reached. Original XXXX  post was deleted : XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Good evening, This is my second attempt to fix all remarks below regarding each account. The account listed below have been linked to my credit report fraudulently. I have requested verification and validation under the laws of the FCRA and your office has failed to provide me those documents. At this time I would like to inform you that I have also contacted each company and they have also failed to verify these accounts. Regarding my last dispute your office stated that the accounts were Verified. However, who verified these accounts? 

Please see the fraud collections below Account name XXXX XXXX XXXX XXXX- Date opened XX/XX/XXXX Account name XXXX XXXX XXXX Account XXXX Account name XXXX XXXX XXXX  Account XXXX Account name XXXX XXXX  XXXX  Account XXXX Account name XXXX  XXXX XXXX Date opened XX/XX/XXXX You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

ATTACHED IS A COPY OF MY FTC REPORT REGARDING EACH ACCOUNT!!!!
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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Attention : Transunion This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXX XXXX XXXX on : XXXX Made with : Transunion Made by : XXXX XXXX XXXX Made on : XXXX Made with : Transunion Made by : XXXX Made on : XXXX Made with : Transunion Made by : XXXX XXXX Made on : XXXX Made with : Transunion Made by : XXXX Made on : XXXX Made with : Transunion Made by : XXXX XXXX Made on : XXXX Made with : Transunion Made by : XXXX Made on : XXXX Made with : Transunion Made by : XXXX XXXX  Made on : XXXX Made with : Transunion Made by : XXXX  Account Made on : XXXX Made with : Transunion Made by : XXXX XXXX Made on : XXXX Made with : Transunion Made by : XXXX Made on : XXXX Made with : Transunion Made by : XXXX XXXX XXXX Made on : XXXX Made with : Transunion Made by : XXXX XXXX L Made on : XXXX Made with : Transunion Made by : XXXX XXXX XXXX on : XXXX Made with : Transunion
Product: Credit reporting or other personal consumer reports

Equifax is not properly investigating my complaint and fraudulently verifying my complaint against the law My information was breached by the negligence therefore all negative information must be removed immediately. 
I was issued a check from Equifax due to this breach yet they refuse to remove these accounts. 
These are the things that need be removed immediately if not I will file a lawsuit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The Company : XXXX XXXX XXXX  sold my information to : SOUTHWEST RECOVER SER : XXXX and commit IDENTITY THEFT! They sold my name, private home address, phone number, and social security number! 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I filed an IDENTITYTHEFT.GOV report online and disputing records on XXXX
Product: Credit reporting or other personal consumer reports

I am writing to seek your assistance regarding a charge-off on my credit report related to an account with XXXX. XXXX XXXX, account number XXXX XXXXXXXX. The charge-off, dated XX/XX/year>, amounts to {$4000.00}. 

I believe this entry is an error, as I am not a client of XXXX. XXXX XXXX and have never held an account with them. Despite my efforts to clarify this situation directly with the company, I have been unable to reach a satisfactory resolution. 

I kindly request your help in investigating this matter. Specifically, I would appreciate your assistance in : Verify the validity of the charge-off and ensure that XXXX. XXXX XXXX followed proper procedures. 
XXXX. Identifying any inaccuracies in the reporting of this account to credit bureaus. 
XXXX. Informing me of my rights and available options to address this issue. 
XXXX. I have included copies of relevant documentation, including correspondence with the creditor, to support my case. 

Thank you for your attention to this matter. I truly appreciate your help in resolving this issue and look forward to your prompt response.
Product: Debt collection

Hello my name is XXXX XXXX and I noticed this problem on my credit report in XXXX. Please remove it from my report as soon as possible. Iam a victim of identity theft and these accounts are not mine CAPITAL ONE CLOSED : XXXX XXXX BALANCE : {$0.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of certain information reported on my credit report. Under the authority of the Gramm-Leach-Bliley Act ( GLBA ), specifically 15 U.S.C. 6802, I am asserting my right to opt out of the sharing of my personal information and request that you correct the inaccuracies on my credit report. The specific account ( s ) and personal information in question are : XXXX. Account XXXX XXXX XXXX, XXXX XXXX, XXXX. Name XXXX XXXX XXXX, XXXX. Name XXXX XXXX XXXX, XXXX. Name XXXX XXXX XXXX. The information being reported is incorrect because the payment history on this account is absolutely inaccurate and you are reporting other names that are not associated with my identity. In accordance with 15 U.S.C. 6802, I am requesting that you : Verify the accuracy of the information being reported. If the information can not be verified, it must be promptly deleted from my credit report. Cease sharing my personal information with third parties without my explicit consent, as per the opt-out provisions of the GLBA. 
Provide me with a confirmation that these steps have been taken and that my credit report has been corrected accordingly. Enclosed with this letter are copies of relevant documents supporting my dispute. These documents should be used to substantiate my claim and facilitate a swift resolution to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed there was an inquiry on my report that I did not recognize. I contacted Transunion and told them I did not apply for anything from this Us small Bus and requested that it be deleted and they refused. I want this deleted ASAP.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX XX/XX/year>XXXX Chrysler Capital XXXX XXXXXXXX XXXX Forth Worth, TX XXXX Subject : requesting complete documentation of investigation Dear Chrysler Capital, I am writing to formally dispute inaccurate information that appears on my credit report. According to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ), I understand that you are required to conduct a reasonable investigation into the accuracy of the disputed information. 

The information I am disputing is related to [ account number : XXXX ], which is appearing inaccurately on my credit file. I believe that this information is incorrect and should be rectified. The address the deficiency letter was sent to was an incorrect address. I never resided at XXXX XXXX XXXX XXXX  XXXX, XXXX, Texas XXXX. 

I need the method of verification and the description of the procedure. Also, I need all the documentation that you retrieve to run this investigation that proves this information is reporting accurately. 

As per the FCRA, you are required to complete your investigation into this dispute within XXXX days from the receipt of this letter. Furthermore, you must inform me of the results of your investigation, as well as provide me with a copy of my updated credit report reflecting the corrected information. 

Thank you for your prompt attention to this matter. 

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

2ND NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 EXPERIAN HAS INQUIRES ON MY CREDIT REPORT THAT ARE : MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO  REPORT THESE INQUIRES. I HAVE SUBMITTED A POLICE REPORT SEVERAL TIMES AND EXPERIAN HAS NOT OR REFUSED TO DELETE AND REMOVE THESE INQUIRES FROM MY CREDIT REPORT. I WAS NOT NOTIFIED THESE INQUIRES WAS OR WILL BE REPORTED TO MY CREDIT REPORT. INQUIRES NOT MINE : XXXX XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX Inquiry from XX/XX/XXXX Personal Loans Cos. 
XXXX XXXX  Inquiry from XX/XX/XXXX All Banks XXXX XXXX  Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX  XXXX   XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Services, Not Elsewhere XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX  XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, New XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, New XXXX XXXX XXXX  Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, New XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, New XXXX  XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX Inquiry from XX/XX/XXXX Telephone Companies XXXX Inquiry from XX/XX/XXXX Telephone Companies XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX XXXX 15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt It has been 30 days and you are in VIOLATION of this law because I am a victim of id theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Mortgage

Freedom Mortage Corp XXXX ( Financial ) Mortage opened XX/XX/XXXX paid off in full XX/XX/XXXX. Showing open with late payments as late as XX/XX/XXXX This mortage was paid off in full, and I have the closing documents too prove it. It being open and showing late payment is keeping me from buying a house currently.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised I requested validation from the collector. I also requested proof of signature to my agreement of services not receive however I did receive a response that included personal medical records that clearly violates my hippa rights. Also the debt isnt fully verified without my signatures. The collector did not provide me a release that releases my medical information to them, therefor by providing such information they are violating my hippa rights. I will need to refer this violation to the appropriate people if items Remain.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account Name : XXXX XXXX  # XXXX, Account Name : XXXX XXXX  # XXXX, Account Name : XXXX XXXX  # XXXX, Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX # XXXX XXXX Account Name XXXX XXXX XXXX # XXXX, Account Name XXXX XXXX XXXX XXXX  # XXXX, Account Name XXXX XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXX # XXXX XXXX Account Name : XXXX XXXX  # XXXX, Account Name : XXXX  # XXXX, Account Name : XXXX XXXX XXXX # XXXX, Account Name : XXXX  # XXXX, Account Name : XXXX XXXXXXXX XXXX # XXXX, : Public Record XXXX XXXX XXXX Bankruptcy # XXXX has violated my rights . 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I filed a dispute with all 3 credit breaus to remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX