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

ACCORDING TO XXXX XXXX XXXX - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish any account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I have received a statement from a debt collection company for an account I was not aware existed. The company is " XXXX XXXX XXXX XXXX ''. This company states that XXXX XXXXXXXX XXXX XXXX XXXX XXXX has a balance of {$500.00}, to be paid by me ( XXXX XXXX XXXX XXXX. I have not opened or received any credit from this bank or any other bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've called and written in to XXXX XXXX XXXX several time in which I have proof of signature of documents sent. I have one XXXX card account however a duplicate account is appearing on my Equifax credit Report only. XXXX and XXXX have one account and the correct info etc. I have asked XXXX to review the duplicate account that reflects incorrectly a credit limit of {$300.00} with a balance of {$420.00} over the credit limit. In addition the correct account does reflect with my credit line currently at {$1100.00}. I have been disputing this information with both Equifax and XXXX and received response that the duplicate over the limit account is correct. However when I call into customer service I am told its incorrect. None the less after writting to XXXX Legal department and Credit Line department I received a letter dated for XX/XX/XXXX inwhich I am attaching a copy to this file. Its stating from XXXX that they found the account to be a duplicate and have notified the credit bureaus to remove the duplicate account. I have waited well over 30 days going currently 45 days at this point and time and no update have been made. I am in the process of seeing to purchase a home and the mortgage company is questioning about paying down my over the limit XXXX Credit Card. I am not able to because its not correct and this is killing my credit score per the credit utilization reporting. I have spoken to several supervisor at XXXX. The last supervisor was very helpful but finally called me on XX/XX/XXXX to informed there is nothing more she can do for me. This is unacceptable when clearly XXXX had admitted to fault and have not fix the mistake and hardship they have caused me. Her name is XXXX and her phone number at XXXX is XXXX direct. <P/><P/>thanks XXXX XXXX XXXX
Product: Checking or savings account

Opened an Escrow Account ( joint account with buyer ) for the sales of my business on XX/XX/XXXX via M & T bank M & T bank closed the account without my permission and released the fund of {$74000.00} to the joint holder in XX/XX/XXXX. 

M & T bank did not inform the closure of the Escrow Account nor discuss the reasons of the closure M & T bank does not have authority to close the escrow account unless the buyer and I both agree to do so
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 SOUTHWEST RECOVERY SER XXXX 15 USC 1681 section 602 ( a ) ( 4 ) - I have rights to privacy. 15 USC 1681 Section 604 ( a ) ( 2 ) - states that a consumer reporting agency can not furnish a credit report without written consent from the consumer. 15 USC 1681c ( a ) ( 5 ) - states that no consumer reporting agency may make any consumer report containing the following items of information ... Any other adverse information, other than records of conviction of crimes which antedates the report by more than 7 years. 15 USC 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: Mortgage

We where sold to Gregory Funding Mortgage Co. in XX/XX/2021, after our 1st payment to them the told us that we owed the XXXX dollars. There lawyers told us we where up to date when we where sold to them, Gregory funding told us that any payment we sent other than the XXXX would not be concerned a payment and kept adding to the XXXX which is now XXXX and put us in foreclosure. They started sending payments back and stating we did not send them any
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. I'm looking forward to the following items will be corrected ASAP. 
XXXXXXXX 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
Product: Credit card

I would post payments from my account and they would say it didnt post after I got the verification it posted. also go a over the limit fee and a late fee because of this and no one could seem to help
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a follow up complaint regarding the unresolved inaccuracies on my credit report despite multiple attempts to correct them. This is my multiple attempt to dispute the incorrect late open account and the late closed accounts that continue to appear on my report. On numerous occasions, I have provided all necessary documentation and followed all required procedures to have these inaccuracies corrected. Despite my persistent efforts, the errors remain uncorrected. This has caused significant damage to my credit score and has affected my ability to obtain credit. In accordance with the Fair Credit Reporting Act ( FCRA ), I request that these inaccuracies be investigated and corrected immediately. Please acknowledge receipt of this complaint and provide a detailed update on the actions being taken to resolve these disputes. I expect a resolution within the statutory 30-day period as mandated by the FCRA. Kindly help me correct the late open account and remove the late closed accounts as soon as possible : XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$160000.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 
XXXX. XXXX XXXX XXXX XXXX Balance : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and account status. I believe this information may be inaccurate. I need this deleted now
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT. PLEASE REMOVE THESE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT PROFILE.
Product: Credit card or prepaid card

Hello why play with my credit if yo not fixed then i need only go to court 1 XXXX XXXX XXXX is not my credit card 2.XXXX XXXX closed account is outstanding that is not my card 3. Age of credit is wrong info there 5. XXXX XXXX is not my call me ... .XXXX XXXX XXXX
Product: Credit card or prepaid card

My credit application was denied in violation of the Equal Credit Opportunity Act. 
see link : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This account was charged off on following date : XX/XX/year> Since then account has repeatedly been updated as charge off every month. This is an updated in the payment history. A charge off account shouldn`t include an active payment history. This inaccurate information falsely manipulates the statute of limitation. Please investigate this account properly after I asked you to do it TWICE and neglect has violated my rights. I am demanding deletion of the following accout. Account : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Checking or savings account

On XXXX XXXX I proceeded to withdraw money from an atm that i use multiple times daily. Funds that always come from this account as this is my only valid checking account. For an unknown reason, the transaction was declined. I went to check my account and it also said declined reason unknown. I went back and did XXXX withdrawals of XXXX each. Both transactions completed without any issue. I received an email informing me of the declined transaction and how it potentially have been fraudulent. The email said to respond if it was not me. Well, it was me so i did not respond. The financial institution decided to freeze my account anyway. I called them to see what the issue was and every call i made ended with them being very unhelpful. I did receive XXXX call back from someone to verify my transactions. She said we were successful and that she would unfreeze my account that same day. Days later my account was still frozen and from here I received no help at all. They continued to tell me they could not verify my identity. I was also repeatedly told that someone would reach out to try an additional verification process. Other than the XXXX time the lady called ; i never heard from them. Then i get an email stating they will be closing my account. I called again to try to obtain more information. I was told the process would take XXXX business days. Its only been XXXX. My account was conveniently closed the same day my tax refund had been funded into that account. Whats strange to me is i filed with XXXX. Had my refund direct deposited into credit karma spend account. They are all the same company. I really dont care to keep the account. I just want my money that they are denying was deposited into the account right before they closed it.
Product: Credit reporting or other personal consumer reports

I am listing XXXX inquiries Fraudulent from my Transunion Credit Report. XXXX XXXX XX/XX/XXXX. XXXX  XXXX XX/XX/XXXX. Listed inquiries do not belong to me and must be removed from my Transunion Credit Report. I had a call with the company and the credit reporting agency advised me to file an identity theft report for deletion. I am requesting Transunion to mark these inquiries fraudulent and remove from my Credit Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasnt approved so it prompts me to check my credit report. These items listed are not mine and need to be removed XXXX XXXX XXXX XXXX XXXX {$3200.00} XXXX XXXX XXXX {$22000.00} XXXX   XXXX XXXX {$190.00} XXXX {$1700.00} US DEPT ED XXXX {$13000.00} XXXX XXXX XXXX {$500.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

I have had my identity stolen and been trying to get it rectified for some time and have not had any help XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX are all accounts that i have no knowledge of and have been ruining my life can you please help me removing these accounts.
Product: Credit reporting or other personal consumer reports

To : XXXX  and XXXX  of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - complaint is that there is a Breach of Trust and unauthorized use of the name XXXX XXXX XXXX, as you do not have legal nor lawful consent to use the NAME without having received signed Social Security Administration form SSA-89 which constitutes identity theft. You are also securitizing the note that was created by the NAME without FULL DISCLOSURE and sharing the goods generated by the use of the NAME. Do not make Merchandise of your XXXX : XXXX XXXXXXXX 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 

YOU HAVE STOLEN THE NAME AND USED IT IN A WAY THAT BENEFITS YOU and NOT THE XXXX WE MAKE AN EQUITABLE CLAIM IN THE NAME AND ANY ASSETS ATTACHED TO THE NAME ADMINISTERED BY XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letters off on XX/XX/2022. I told the credit bureaus to investigate every piece of information on the accounts I have listed below. 

According to the FRCA the term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also, all of the information on these accounts is still not reporting 100 % accurate. According to the FRCA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 

Accounts : 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 am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because, According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX card services : 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: Debt collection

CARDARELLI, BRIDGEWATER & ASSOCIATES INC contacted me today and left me a voicemail ( attached to this complaint '' stating the following. This is civil claims processor XXXX here with the county. We're calling in regards to a requested summons that was issued this morning from the department of check and arbitration. They have requested that we do have you served between 24 to 48 hours at your residence or place of employment. If you would like to resolve this matter on voluntary terms, you need to speak with the plaintiff immediately at XXXX XXXX XXXX XXXX. If they do end up granting you an adjournment and you resolve the matter voluntarily, make sure they fax us over the stand down order. We need that legal document as soon as possible. If we do not receive that legal documentation, make yourself available. Thank you. Good luck. And you have officially been notified. : This is a total violation of the fair debt collections practices act XXXX d Any conduct the natural consequence of which is to harass, oppress, or abuse any person
 1692 e ( 5 ) Threaten to take any action that can not legally be taken or that is not intended to be taken 1692 e ( 15 ) Documents are not legal process forms or do not require action by the consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

my first certified letter along XXXX. and birth certificate/ police report and dipute letter was mailed off on XX/XX/2022 to equifax . Equifax claimed that they never received the certified mail but i received the green card back in the mail with a signature. 

XX/XX/2022 i faxed a copy of all documents again and also i received a receipt of the transaction going thru. i called and equifax said that they didnt receive my birth certificate. 

XX/XX/2022 i faxed another set of copies of all documents again and received another receipt of the transaction going thru. i called equifax again and got the same results. equifax has been costing me time and money by not handling my mail right. i would like to get this matter resolved instead of having to run around and come to find out that they misplacing or throwing my paper work away.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already sent multiple requests last XX/XX/XXXX, but the accounts listed below are still reporting on my credit report and are violating Federal Law. The EXPERIAN Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues to report unconfirmed information. Please update the following accounts completely from my Credit Report. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : XXXX Please remove the following accounts completely from my Credit Report. 
XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : XXXX  XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : XXXX
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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX of 2023, I mailed a letter to XXXX, XXXX, and Transunion to update my personal information, removing old and unfamiliar addresses, employer information, and incorrect spellings of my name and to send me an updated credit report once completed. Neither reporting agency has followed through with my request which is a violation of 15 USC 1681 ( a ) ( 4 ).
Product: Credit reporting or other personal consumer reports

I need to dispute accounts on my record. There are a lot of descreptencies on my report. from XXXX XXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX. The date active, Date Last used, Last Payments made, and Payment history is inconsistent on all 3 credit bureaus. I would like to get these removed from my account or i will get legal representation involved due to information not being added up accordingly. Thank you and have a great day. 

This account was fraudulent in the first place and nothing was done to help me.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX 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 card

I am writing to formally address your ongoing harassment and improper practices. Over the past three weeks, I have received 4-5 calls daily, including some from anonymous numbers, regarding an alleged debt, even after my account was closed in good standing. Despite repeated contact, you have failed to provide any written validation of the debt, including proof of the validity of charges, fees, or interest accrued. This conduct is in violation of the Michigan Regulation of Collection Practices Act ( RCPA ). 

I am writing this as I humbly seek to have this matter resolved both promptly and amicably.
Product: Checking or savings account

I had a merchant account for my business XXXX XXXX XXXX landscaping and square also known as block inc and they closed my account with no explanation I had a checking account with a balance of {$1200.00} and they are holding funds said due to future disputes from customers. I had an account for about 5 years with them I never had not even one chargeback. I requested funds back and they wont reimburse funds and will not call me back or give resolution to a problem that is not necessary. I am a disable person with limited funds and think this is unacceptable. I sent them about 5 emails no response. When I call customer service they said can not help me cause its beyond their control. Theres several complaints about this company and they should be investigated this is really sad.
Product: Mortgage

I made my house payment for XX/XX/XXXX on XX/XX/XXXX. As of now the PRMG portal states I never made a payment and I'm 29 days late as of now. I called mid month and nothing has changed a investigation was scheduled but I'm like what is there to investigate the payment was taken out my bank account where did it go or where is it?
Product: Debt collection

XXXXContacted XX/XX/XXXXonce again, as back on XX/XX/, I had sent back to equipment, and disputed them charging me an XXXX  account that I didn't even know I had. I have the tracking number from XXXX, and as of XX/XX/, I no longer owe anything. I am trying to move into an apartment and this is keeping me from doing so. I have even disputed this with the Credit Bureau, however, they only came back with is the information is correct, when it is not! I have not once received a collection statement from the collection company, and they can not provide me with information from XXXX, so that's why I contacted them once again to get this matter resolved and ended up with no solutions once again! Note ; it is listed on my credit report as XXXX XXXX, however my billing statements, state that it is XXXX.