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

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Delete this account. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

4. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX, XXXX, XXXX XXXX XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my XXXX XXXX with the XXXX XXXX I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my XXXX standing and credibility. I have contacted the XXXX XXXX in the last more than XXXX days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Product: Credit reporting or other personal consumer reports

Back in SXXXX XXXX XXXX I saw a fraud account and inquirires on file I requested the removal of it as they are fraud but did not recive notification letter not even a call nothing just a complete shut off and my case was never answered I call and some XXXX person XXXX my documents were invalid I had it please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge nor did I consent to the following inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX XXXX Balance : {$8200.00} XXXX XXXX XXXX Balance : {$230.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX Balance : {$500.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$110.00} ; XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested accounting of this contract and until it can be verified, it should not be reported on my credit file. 

15USC1681
Product: Credit card

I believe the account is invalid. CAPITAL ONE ACCOUNT needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. CAPITAL ONE XXXX
Product: Mortgage

My mortgage company will not answer phone calls no matter what time of day. On very rare days that I am able to speak with an representative their never able to answer any questions from lack of knowledge, i guess. I'm on hold for long periods of time and still in able to speak with an representative
Product: Mortgage

Rescission Notice was sent. 
I was completely ignored by the originators the trust, XXXX XXXX XXXX. 
It is TIME.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the XXXX credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Checking or savings account

Northern Trust has prevented me from accessing my financial information and has not responded to requests on my behalf to access such information. I can not complete my XXXX application without my financial information, information that Northern Trust is withholding. I am running out of funds and must complete my XXXX application as assign as possible. 

In particular, my son has the power of attorney for my account at Northern Trust bank in XXXX where I reside. He is assisting me in preparing a XXXX application and requires copies of my Northern Trust bank statements. I do not remember the answers to my security questions - I am XXXX XXXX XXXX. On-line access to my account is locked. My son has contacted Northern Trust several times and they do not respond. He has provided copies of his power of attorney and identification. 

My son made several calls to Northern Trust. He was told they would call back but they do not do so. On XX/XX/XXXX my son wrote to Northern Trust banking services : Attached please find a notarized General Power of Attorney from XXXX ( prepared by attorney xxxx ) and a Resignation as Power Attorney. In the General Power of Attorney my sister, xxxx, is appointed as agent ; in paragraph 8, I am appointed successor agent. Ive attached a notarized Resignation as Power of Attorney in which XXXX resigns and in which I am named as successor in accordance with paragraph 8 of the General Power of Attorney.

On behalf of XXXX, account no. xxxxx, I am requesting access to the statements in this account. I would like continuing access as I manage my mothers affairs on her behalf. 

Ive attached a copy of the drivers license to establish my identity. 

On XX/XX/XXXX my son again wrote to Northern Trust banking services : My mother is XXXX. She is XXXX XXXX XXXX and infirm. I am following up on my email below. It is essential that I have immediate access to my mothers account to get copies of her statements for her XXXX application. Ive been locked out of online access to her account user name xxxx - because shes forgotten the answers to her security questions, at XXXX she has memory issues. Ive again attached the POA that gives me authority to handle her financial matters. I have been trying to get this access for several days through several calls with a promise of a call back that has never come. 

Please let me know if anything else is required. My mother is running out of funds as you can see from her balance, and we must complete her XXXX application now. I am surprised that it is so difficult to get service from one of the largest banks in the US. 

I expect some response this week, XX/XX/XXXX notwithstanding. My next action will be to hire an attorney to resolve this issue through XXXX XXXX XXXX office and take the matter up with the various Federal and State of Illinois consumer protection agencies that oversee the bank. xxxxx is a long-standing customer of the bank and it shouldnt have to come to this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I never used this account. There should never have been any balance
Product: Mortgage

On XXXX XXXX, 2015 I wired my mortgage payment of {$5600.00} with XXXX Reference number # XXXX. Ocwen refused to accept my wired mortgage payment of {$5600.00} and wired it back to me on XXXX XXXX, 2015. 

I spoke to a representative before wiring the mortgage payment and she had advised me to wire {$5600.00} to avoid my account becoming blocked and going into foreclosure. Ocwen representatives have given me wrong information regarding my account and the sending of my mortgage payment in several occasions. 

Because Ocwen has returned my mortgage payment back to me, I have fallen behind on my mortgage payments. Ocwen has intentionally made it difficult to reinstate my mortgage back to a current status. Ocwen is demanding {$13000.00} currently to reinstate my account, due to their fault of returning my two mortgage payments back to me. 

Ocwen has done this intentionally so they may foreclose on my property.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding XXXX XXXX  XXXX, XXXX XXXX XXXX remove old addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX never lived at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX names I never had XXXX XXXX, XXXX, XXXX XXXX. Late payments on XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Paramount Recovery Systems engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to 1,000 dollars per violation and clearly they violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Im sorry yet another violation under the FCRA on XXXX XXXX bank! Account number XXXX and I asked you to remove this account from my credit file in its entirety immediately after you read this and view the factual evidence that has been provided to you On XX/XX/XXXX I initiated a formal complaint/dispute with the FDIC on credit reporting against XXXX XXXX bank regarding in accurate credit reporting XXXX XXXX advise myself in the FDIC that credit reporting May varies from different credit reporting agencies such as Equifax XXXX and XXXX XXXX that statement kind of bothered me a little bit because if you have one Account all the information should be exactly the same across all three of the reporting agencies! And they did say they are reporting accurate information and certified it and for me to reach out to Equifax and thats what Im doing for immediate deletion of this account XXXX XXXX XXXX stated that the account was open on XX/XX/XXXX but your report and all other reports are showing XX/XX/XXXX this information is incorrect! 

XXXX XXXX XXXX report that the account charged off on XX/XX/XXXX the account charged off in which they are reporting to you as paid as agreed for the month of XXXX XX/XX/XXXX which also a violation under the FCRA because XX/XX/XXXX is showing 120 days late on your credit report and payments started up again in XX/XX/XXXX how is that possible?? ( remove for FCRA violation ) Also Under FCRA 623 A 3 req notice is missing!

This is false credit reporting mission stated that the information THEY BELIEVE IS REPORTING ACCURATELY we cant have we believe it Hass to be 100 % accurate and verifiable. This is unreal someone credit report looks like this and they taking about they believe! Remove this immediately EQuifax!
Product: Debt collection

I got behind on my credit card and they call me up to 10 times a day even on Sundays. I told them to send me their information so I could send them a letter not to call me more than three times a day. I did not receive that information they continue to call me 10 times a day.
Product: Credit reporting or other personal consumer reports

I am filing a formal and urgent complaint against XXXX XXXX  regarding their obvious disregard for the Fair Credit Reporting Act ( FCRA ) and their failure to properly validate and verify an account listed on my credit report. The reporting of this inaccurate and unverified account has severely damaged my credit score and financial standing. This has caused me significant hardship, including difficulties in obtaining credit, higher interest rates, and considerable stress and frustration. The irresponsible actions of XXXX XXXX have resulted in undue harm to my financial reputation and stability.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the inquiry. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX Account number : XXXX Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX XXXX XX/XX/year> XXXX XXXX XXXXXX/XX/year>
Product: Checking or savings account

I got paid on that Sunday night that was on the XXXX of XXXX an my check was XXXX an some change an the only thing I did was paid my light bill an it was XXXX an some change an I paid my baby daddy an XXXX for my car insurance an I put XXXX in my gas tank that's all I did cuz I caught XXXX so I had to put gas in my car just because of emergency purposes but that's all I did with my money an now I saw money coming out of my account that I didn't get out an that's not fair for me at all I called chime bank they said they will reimburse me send me a new card but first the charges have too stop pending I called them immediately when I noticed it that evening this is not fair I haven't been too another state since 2021 I asked for supervisor and a appeal no response because the calls are recorded my.whole check was gone from my account less then XXXX hrs and my card had too be replaced please look into this matter
Product: Mortgage

OWCEN made an error on my XXXX XXXX, 2016 and XXXX XXXX, 2016 account statements claiming I made an underpayment for the XXXX XXXX, 2016 and XXXX XXXX, 2016 payment due dates, when in fact I overpaid each monthly payment. The XXXX XXXX, 2016 statement stated that I am to make a {$570.00} payment by XXXX XXXX, 2016. I used OCWEN 's automatic payment system and instructed the OCWEN payment system to initiate a payment from my Bank Checking Account the sum of {$650.00} on XXXX XXXX, 2016 which did occur. However, the XXXX XXXX, 2016 OCWEN statement says that it applied an amount of the {$650.00} that was less than the required payment of {$570.00} and that I have underpaid my mortgage obligation by displaying " Prior Payment Shortage '', even though the balance of the payment was applied to principal. The XXXX XXXX, 2016 statement stated that I am to make a {$570.00} payment by XXXX XXXX, 2016. The auto payment amount that occurred on XXXX XXXX, 2016 was {$650.00}, however, the XXXX XXXX, 2016 statement says that I underpaid again and did not meet my obligation, even though the sum of the payment applied to the obligation and the excess principal payment exceeded the required monthly payment. I requested on XXXX XXXX, 2016 that OCWEN issue a corrected statement for both XXXX XXXX, 2016 and XXXX XXXX, 2016 but OCWEN 's representative ( I have the representative 's name and OCWEN Id number ) has refused to do so. The fact that my HELOC statement incorrectly shows on two occasions that I have underpaid by stating " PRIOR PAYMENT SHORTAGE '' will affect my credit rating. The above situation is apparently is a Payment Processing malfunction and I would suspect less knowledgeable Debtors would be unable to identify the error on OCWEN 's part and have their credit ratings unduly damaged.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a old disputed Loan account showing up on my credit report. This Account was allready removed more than a year ago from Equifax due to a the 7 year period from last delinquency. XXXX XXXX XXXX decided to do a Internal credit on the account making it appear that it was under the 7 years and sporadic payments had since been recieved. This caused it to be re reported even though its considered re-aged debt and past the Statue. I have tried for Months working with both XXXX and Equifax. Equifax states they can not accept my Support because XXXX reporting is overding. XXXX has provided letters attached that they say should be submitted to Equifax. Equifax says XXXX still reports against what the Support state. I am frankly tired of this each pointing fingers. This account is over 7 Year from the last recieved payment and should not be re-reported simply because they decide to make Internal advancements or adjustments to the account..
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX XXXX Date of Birth : XXXX XXXX SSN : XXXX ID Type : Driver 's License ID Number : XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : Bank : XXXX  XXXX XXXX ( Incident Date XX/XX/XXXX Account # XXXX Routing # XXXX Bank : XXXX XXXXXXXX XXXXXXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX  XXXX XXXXXXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX ( Open XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the report to this request. 


Thank you for your assistance. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Victim of Equifax Data Breach. 
Please see attached Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit reporting act convergent account # XXXX, account # XXXX, account # XXXX, account # XXXX # XXXX account # XXXX account # XXXX account # XXXX has violated my rights 15 U.S.C 1681 SECTION SECTION 602.A STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION SECTION 604 A STATES SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Credit reporting

XXXX told me that a credit check would n't show up on my credit report. They lied to me, I complained to Equifax, and they refuse to remove it from my account.