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

XX/XX/year> To whom it may concern @ the CFPB : I am writing to bring to your attention unauthorized inquiries that have been made in my credit report. The creditors, who did not have a permissible purpose to access my consumer report, made the inquiries. 
15 U.S. Code 1681b governs how a third party can access my consumer report. They did not have permission or a reasonable business need. 
According to the Fair Credit Reporting Act, creditors are only allowed to pull a consumers credit report with their permission or if there is a legitimate business need. It has come to my attention that several creditors have pulled my credit report without my consent or any valid reason. 
I am requesting that these unauthorized inquiries be removed from my credit report immediately. I have attached a list of the creditors and the date of the inquiries for your reference. I trust that you will investigate this matter thoroughly and take the necessary steps to rectify the situation. 
Thank you for your prompt attention to this matter. I look forward to hearing back from you soon, regarding the complete removal of these unauthorized inquiries. 


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

Over 50 fraudulent inquiries in 3 days I have disputed over 5 times and credit report still aiding fraud against me by not removing fraudulent inquiries off my credit report. 
Also, I used a new credit card and in 1 day it was reported maximum use before I could even pay before due date which was over 20 days I had to pay. all other credit reporting has corrected the fraudulent inquiries but " Experian. '' " XXXX '' put maximum use of new credit card use 1 day after use but has not corrected card is paid in full. Due day has not come or is it legal to accept report 1 day after use.
Product: Credit card

Suntrust Bank has been repeatedly contacted in regard to unauthorized credit card charges and not only continues to refuse to remove the charges but is adding on late charges and destroying credit!
Product: Credit reporting or other personal consumer reports

The following auto Loan account, student loan accounts, credit card accounts and hard inquiries currently listed on my XXXX XXXX, XXXX and Equifax credit report are unauthorized and not my accounts, student loans or hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I'm reaching out because Experian is helping XXXX XXXX put incorrect information on my credit report related to the account below : XXXX XXXX Account # XXXX As Defined by the IRS : The IRS considers a charge-off to be income, either as gross or ordinary income. Income like this doesn't belong on a credit report, so this information on my report isn't accurate!

By IRS rules, any canceled debt or charge-off is classified as income. Reporting this as debt is incorrect.

According to 15 USC 1681 s-2, Account Name, as a provider of information to a credit reporting agency, is prohibited by law from sharing inaccurate info. I'm requesting that you delete this inaccurate information from my report right away.

**15 USC 1681 s-2 ( a ) ( 1 ) ( A ) : ** " A person shall not furnish information relating to a consumer to any consumer reporting agency if the person has been notified by the consumer at the address specified by the person for such notices, that specific information is inaccurate and ; the information is, in fact, inaccurate. '' In summary, I've shown you that this information is wrong, and you've been notified. Keeping this inaccurate info on my report is a violation of the Fair Credit Reporting Act and your role as a credit reporting agency. 
Please delete this incorrect information from my report immediately.
Product: Mortgage

I am involved in a monitored claim process with Rocket Mortgage. The initial inspection was completed, and repairs were documented at 90 %. I initiated the request for the second inspection on XXXX. It has been 9 business days since the request for inspection was initiated and I have not received a confirmed date for inspection. All repairs have been completed, and the property is listed on the market, yet Rocket Mortgage is still holding part of my insurance funds without a clear date on when the inspection will be performed and when funds will be released. XXXX XXXX XXXX XXXX XXXX XXXXXXXX I requested to speak with a manager, sent an email to manager on XXXX and did not receive a response. Left a voicemail for the manager on XXXX. Their SLA is 3-5 business days for scheduling the inspection, of which they are now out of compliance. I would like the funds released ASAP as I have documented photo proof that all repairs have been completed, and the property is listed under a realtor on XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

All 6 student loans accounts on Experian is reporting a total DIFFERENT ACCOUNT NUMBER and BALANCE then TransUnion. XXXX reporting XXXX '' on all 6 Dept Of ED/XXXX Accounts, which is very inconsistent from Transunion Record but also very unorganized and incorrect and not 100 percent accurate which is a violation. The same account on Transunion reporting a different account number of " XXXX " XXXX '' XXXX '' " XXXX '' " XXXX '' " XXXX '' These accounts appear to be furnished by the same creditor so why is all the provided data different? It is your duty to ensure thats all information reported is consistent and most importantly accurate and you have failed to do so. Please Delete this erroneous account immediately.
Product: Debt collection

I have not received any VALIDATION NOTICE, LETTERS via mail or electronically.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of incorrect names and addresses from my credit report pursuant to the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance standards. My credit report contains multiple variations of my name and addresses that do not belong to me. Below is my correct personal information : Correct Name : XXXXXXXX XXXX XXXXCorrect Date of Birth XXXX XXXXXX/XX/year> Current XXXX XXXX XXXX, XXXX, GA XXXX Incorrect Names and Addresses to Be Removed : Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX I request that these erroneous entries be removed from my credit report immediately. Please provide written confirmation once these changes have been made. 

Thank you for your prompt attention to this matter. 

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

Capital One Auto did not change my address. Paid off early but still didn't give me my title and put a late fee on my credit report.
Product: Debt collection

According to the California Licensing Act Under Section 1788.52 of the California Civil code, a consumer is allowed to ask to dispute a debt at anytime a debt is being pursued in their name, not just at the very beginning of a debt purchase. Specifically, the law states " The names and addresses of all persons or entities that purchased the debt after charge off, including the debt buyer making the written statement. The names and addresses shall be in sufficient form to reasonably identify each such purchaser. '' And " A debt buyer shall provide the information or documents identified in subdivisions ( a ) and ( b ) to the debtor without charge within 15 calendar days of receipt of a debtors written request for information regarding the debt or proof of the debt. If the debt buyer can not provide the information or documents within 15 calendar days, the debt buyer shall cease all collection of the debt until the debt buyer provides the debtor the information or documents described in subdivisions ( a ) and ( b ). '' On XX/XX/2022 in the documents that were forwarded to me through the CA XXXX. Portfolio Recovery Associates LLC failed to provide me with the names of all the creditors and entities that the debt they are collecting has passed through. 
according to my records, other companies had acquired the debt before Portfolio Recovery Associates. And that I requested this information originally back on XX/XX/XXXX of 2022 and have continuously asked them to provide the name of all past creditors since then. They have passed the 15 days allowed under California law to report the debt to the credit Bureaus and thus need to remove the collection till such information is provided. Also when I originally asked for all information required of Portfolio Recovery Associates LLC back on XX/XX/2022 they did not respond to my debt dispute until XX/XX/2022 according to the records they sent me. That is 37 days passed since the delivery of my initial dispute letter. Which also greatly passed the 15 days they are given under California law. They were also reporting to the credit Bureaus after the 15 days had passed which is also a violation under the California Licensing act. Portfolio Recovery Associates did validate part of my debt and ca requirements by sending me a statement from the account but they continue to omit information required by California law. As such, I believe Portfolio Recovery should immediately stop reporting to the credit Bureaus as they are supposed to according to the laws cited above. Until they send me a copy of all previous purchasers of the debt. It has now taken them 68 calendar days and counting to do so which I believe is unfair.
Product: Debt collection

I just called the company Mccarrthy burgess Wolff. And pretty rude woman responded asking me personal information right away. I politely denied giving any information more than the last XXXX of my ein number, email and phone number. She said on a recorded line that she assumed and she knew that if I didnt wanted to give any personal information was because the debt was mine and she didnt believe it was identity theft for the way I was speaking to her or to the company and that I must settle this account, without giving any other option to help a person that suffered identify theft. I explained that in XXXX the company names are public and anyone can see that information online, where she responded, well thats not my problem, you have to go for the person that opened this account and make them pay the debt.
Product: Credit reporting or other personal consumer reports

This has been an ongoing struggle, problem with XXXX credit reporting agency as to correctly reporting accurate information on my credit report, directly related to an account with Synchrony bank/Walmart acc XXXX XXXX opened in XX/XX/XXXX. After paying off this account, with a XXXX balance update as of XX/XX/XXXX, I then closed this account but somehow, it was sold to XXXX XXXX. Eventually, this account somehow is being mixed up with another persons account information as to balance of {$7600.00}. As seen and noted in my credit report, this original creditor, Synchrony bank/Walmart was closed with a XXXX balance then was taken over by XXXX XXXX with a balance. This information being reported by XXXX XXXX/ Walmart with same account # XXXX but with a balance of {$7600.00} and seen as written off/ charged off is to be removed immediately. The only Walmart account that should be reported on my XXXX credit report is Synchrony / Walmart with acc # XXXX with a XXXX balance and was closed should be the only account shown and reported. Ive disputed this several times without relief. This is hurting my fico score and this XXXX XXXXWalmert report must be removed immediately
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 U.S.C 1681. ACCOUNT Name : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 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 or other personal consumer reports

I would like to dispute an inaccurate, untrue, incomplete, untimely, not compliant, and/or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report. While studying my report, I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, Metro 2 Format compliant or else wise compliant to every single one even each any and all of the regulations applicable laws and/or applicable standards of reporting of which you are undoubtedly mandated in your reporting obligation ( s ) to obey without default or deficiency of any sort. 
The following challenged information is among such allegations of which each and one all require immediate deletion or removal from reporting otherwise. I demand rightfully that you do so today, even now and here! Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( s ) of information that I mark as being in question. 

Listed below are the Personal Information that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE BE REMINDED BY THIS VIOLATIONS/LAW ALSO : According to 15 U.S.C 1681 section 602 A , I'm entitled to privacy rights. Additionally, 15 U.S.C 1681 Section 604 A Section 2 prohibits a consumer reporting agency from providing an account without my written consent. Furthermore, 15 U.S.C 1681c. ( a ) ( 5 ) stipulates that consumer reports can not include certain adverse information beyond a seven-year period from the date of the report, except for crime convictions. Lastly, under 15 U.S.C. 1681s-2 ( A ) ( 1 ), it's prohibited to provide inaccurate consumer information to any consumer reporting agency knowingly or with reasonable cause to believe it's inaccurate.
Product: Student loan

My federal loan disbursement is being held up as pending with Heartland ECIS although XXXX XXXX  deposited the money at XXXX XXXX  on XXXX XXXX XXXX My disbursement is held as pending over the weekend. This is money I have taken a loan out for yet I am not given access to. This is a scheme by the University and by the third party loan handler Heartland ESCI. My excess money is being held until the very last minute on XXXX th day to be disbursed and I am not given access to the money until XXXX or more days. Heartland claims to give access to funds the same day as long as deposit is before XXXX pm yet once the funds are released from XXXX XXXX, heartland ECIS claims XXXX Hasn't released the money to them. I called XXXX XXXX  to see if I have a pending deposit and the answer was no. Heartland ESCi claims once XXXX releases the money than it will go directly into direct deposit account. XXXX claims the money was release on the XXXX. Now it's the week end so my money is just sitting with Heartland claiming to be pending because XXXX has not released the money. So who is at fault? If XXXX university hasn't not released my money, are they in violation for not releasing the money in XXXX  days after being paid with my federal loans? This is every disbursement. I am always being held up over the weekend paying interest on money that I can't have access to.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : PLEASE ADD MY # Telephone : ( XXXX ) XXXX TO MY CREDIT FILE THANKS!!! 

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, NC XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX TENTH XXXX, NC XXXX 3. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. Identity Theft CAPITALONE Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. CAPITAL ONE Account Number : XXXX Please remove it from my credit report. 

9. XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

10. XXXX Account Number : XXXX Please remove it from my credit report. 

11. Account Number : XXXX Please remove it from my credit report. 

12. Account Number : XXXX Please remove it from my credit report. 

13. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, NC XXXX I appreciate your prompt attention to this matter, and await your reply.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is currently assisting XXXX XXXX XXXX in the above-referenced matter. We write this letter in response to your rebuttal letter dated XX/XX/XXXX.
In your rebuttal letter you claimed that you submitted a request for the Mortgagee Optional Election ( MOE ) to the Office of Housing and Urban Development ( HUD ) onXX/XX/XXXX. Further, you claimed that HUD responded on XX/XX/XXXX, denying the MOE because XXXX XXXX  was not married.
In response to your rebuttal, XXXX reached out to HUD to confirm the decision you claim HUD made on XX/XX/XXXX, and we were advised that HUD made no such decision. Furthermore, XXXX XXXX, Attorney-Advisor at the HUD Region IX office confirmed that the guideline, which was provided to you in our initial correspondence dated XX/XX/XXXX, was accurate and correct.
YourXX/XX/XXXXrebuttal not only misrepresented your actions to XXXX but also to the CFPB, the regulatory agency charged with investigating this complaint. Your rebuttal also misstated the actions of HUD, a federal agency that insures the above-referenced loan. Whether these actions were done purposely or through error, it impacted my client negatively. That said, my client continues to seek resolution to this issue.
To that end, on XX/XX/XXXX, Financial Freedom sent toXX/XX/XXXX a California First Amended Tolling, Forbearance and Release Agreement ( the Amendment ), which requiredXX/XX/XXXXto complete and return the Amendment to Financial Freedom no later than XX/XX/XXXX Although Financial Freedoms XX/XX/XXXX letter is addressed to XXXX XXXX XXXX XXXX has not received it to date.
On XX/XX/XXXX we spoke with a representative of Financial Freedom and requested a deadline extension to XX/XX/XXXX. This request was made in order for XXXX XXXX to have the necessary time to seek independent legal counsel and to consider all of the options available to him in this matter. During this telephone conversation a supervisor by the name of XXXX XXXX provided an extension until XX/XX/XXXX.
Later, on XX/XX/XXXX we again spoke with a representative of Financial Freedom and requested an additional extension for XXXX XXXX to review the Amendment. The representative again consulted with XXXX XXXX and provided an extension until XX/XX/XXXXand requested that XXXX request, in writing, written confirmation from Financial Freedom stating that Financial Freedom had provided the time extensions referenced above.
Product: Mortgage

On XX/XX/2021, I made a payment ahead of time to the mortgage company Home Point Financial in the amount of {$1700.00} to satisfy the payment due for XX/XX/2021. This action makes my next mortgage payment 's due date as XX/XX/2021. In a letter dated XX/XX/2021 from Home Point Financial, I was advised that my new loan servicing company will be XXXX , XXXX ( XXXX ) effective XX/XX/2021. XXXX , XXXX ( XXXX ) does not have the payment I made to Home Point Financial and still has my next payment due date as XX/XX/2021, not XX/XX/2021, and does not have my payment from XX/XX/2021 reflected in its account dashboard. I also spoke to a XXXX , XXXX ( XXXX ) customer service representative on XX/XX/2021, who confirmed that they did not receive monies of my XX/XX/2021 payment from Home Point Financial. This has not been a smooth transfer of my mortgage, and I am worried that my payment is unaccounted for and that it may appear that I did not make a timely mortgage payment, which can adversely affect my credit.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX  XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX XXXX Balance Owed : {$4500.00} XXXX  XXXX XXXX Balance Owed : {$690.00}