23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. I have already disputed the items below with the credit bureau 's but they did not remove then. 


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

XXXX Account XXXX : XXXX Please remove it from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and I am disputing Equifax inaccurate reporting. 
Equifax, how was an investigative consumer report conducted for the following : XXXX XXXX XXXX XXXX? Which friend, neighbor or associates of mine ( XXXX XXXX, Consumer ) have you interviewed concerning the disputes I have submitted? How did you verify these accounts? 

I am proving through the following documents that Equifax has violated the above referenced laws. Equifax has stated through online disputes, written disputes and verbal disputes that an investigative consumer report was conducted and has come back as VERIFIED. So, how was it verified? 

Was it verified according to 15 usc1681a ( e )? No, it was not. You have violated all consumer laws stated above. I demand that you delete the referenced accounts below immediately. I am expecting that Equifax will be compliant and delete this unverifiable account. 
*Cited from Violation Notice sent to Equifax* *Violation Notice document attached* *Government issued id attached*
Product: Credit reporting, credit repair services, or other personal consumer reports

When i pulled my report I discovered there were some erros on my report from companies that were reporting on my credit. Here are the creditors : XXXX XXXX XXXX XXXX # XXXX, XXXX Account XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XX/XX/year> in the amount of XXXX was fraudulently taken out under my name, using my Social Security number while trying to dispute this charge on my credit report, I have suffered a great deal of not being able to get this resolved.
Product: Mortgage

I contacted CFPB in XX/XX/XXXX to report a problem with an escrow account that my mortgage lender created in error last year. The complaint number is # XXXX. 

That complaint was resolved by XX/XX/XXXX, when my mortgage lender closed the escrow account and reversed the payments that it had improperly debited from my mortgage payments to credit to the invalid escrow account. 

I recently received my form 1098 Mortgage Interest Statement for the XXXX tax year from my mortgage lender. On previous statements from previous tax years, Box 10 has been empty. On the statement for the XXXX tax year, Box 10 contains an amount -- {$810.00}. This amount is the same figure that factored into the escrow error that my lender made last year. 

I contacted my lender twice today ( XX/XX/XXXX ) and spoke to two separate customer service representatives to discuss the amount listed in Box 10 of the document, and to request a corrected XXXX Mortgage Interest Statement if the {$810.00} negatively impacts my tax filing. Neither representative seemed to fully understand the potential problems that this {$810.00} figure can cause and both stated that issuance of a corrected 1098 Mortgage Statements is not possible. Yet, the document itself clearly contains a box that the lender is required to check if a corrected document is issued and there is also verbiage on the back of the document informing the mortgagee how to proceed in the event that an error is identified. Neither representative knew how to assist me. 

My tax preparer stated that the {$810.00} figure that currently appears in Box 10 will reduce any tax refund that I may receive unless the XXXX statement is corrected. She also stated that this information on the form has been reported to IRS, so it must be corrected by the lender if it is incorrect. The escrow account was created by the lender in error, so the lender is obligated to correct its error, so that I am not further impacted or penalized by IRS.
Product: Bank account or service

XXXX XXXXXXXXXXXXFOR IMMEDIATE RELEASEContact : XXXX XXXXHELP!!! US BANK XXXX ME ( financially ) XXXX XXXX, 2015, XXXX XXXX, CaliforniaIt has taken me a little over six months to obtain a Court Hearing for monies owed to me. 
On XXXX XXXX, 2015, finally, an ORDER TO DISBURSE FUNDS TO ME was signed by a Judge of the XXXX of California. 

On XXXX XXXX, 2015, I presented ID & picked up my County of XXXX XXXX Check XXXX in the amount of {$11000.00} ( Exhibit A ) from Supervisor XXXX XXXX XXXX Exhibit B ). 

On XXXX XXXX 2015, I presented ID & deposited the check with US Bank, XXXX XXXX ( Exhibit C ), who gave me Official Receipts for my deposit totaling {$11000.00} ( Exhibits D ). XXXX informed me because it was a government check it should be cleared by XXXX XXXX, 2015. 

On XXXX, XXXX XXXX, 2015 I felt certainly the check should be cleared & phoned XXXX who at that time informed me the check had NOT cleared and will never clear! I was stunned and asked why at which time XXXX said " You 've been defrauded and should forget about the check because it 's no good. '' I immediately telephoned XXXX XXXX who expressed disbelief and informed me the check was in fact good and they issue checks for XXXX and have never heard of such. Understandably confused I apologized to XXXX XXXX and said I will get back to him. 

On XXXX, XXXX XXXX, 2015, I telephoned US Bank 's Corporate office at XXXX, and asked to be transferred to the XXXX, XXXX XXXX. I spoke with XXXX XXXX of XXXX XXXX office ( XXXX ) who promised to " get back to me within 1 hour. '' Instead, I received a call from XXXX a man who identified himself as " XXXX '' who informed me the check was no good. I immediately called XXXX XXXX and requested a stop payment be put on the check and have another check issued to me, which XXXX XXXX agreed to handle. At XXXX XXXX XXXX sent me an email stating that US Bank has received all funds and that the subject check CLEARED on XX/XX/2015 therefore he could NOT stop payment. 

US Bank took NO due diligence to inquire as to the veracity of the check, and when US Bank had an opportunity to verify that the check was good, release my money to me and apologize, instead they did not, as on XX/XX/2015, I immediately phoned " XXXX '' back at which time I received a call from XXXX XXXX and put us on a XXXX way conference call, to which XXXX said " I will not have any interaction with the maker of the check! '' and hung up on XXXX XXXX and I. I phoned XXXX and he told me if anything, they might in a week or more, turn all my Court Awarded funds back to the payer of the check, but they will never give me the original check back or monies that cleared. I suppose US Bank feels it will be virtually impossible for me to get the County to reissue said funds owing to me. Certainly regarding this matter, US Bank is engaging in : Bad Faith, Discrimination, Fraud, Breach of Fiduciary Duty, CONVERSION ( converting my property to theirs! ), Unethical Business Practices, Receiving Money Under False Pretenses, Theft, etc. 

Exhibit F are my PICKET signs for next week!
Product: Credit reporting, credit repair services, or other personal consumer reports

Opinion ... .after years of trying to resolve the misinformation, incorrect reporting, omissions and frankly outright no concern for accuracy and your evidently by example inept staffs, or non concern for what you claim you are we have paid off ALL of our debts including those who have submitted us to collections. You will NOT get a reply for months. Yet, anything negative, wrong or incorrect you post immediately. In my opinion you are a fraud impacting millions. I look forward to monitoring how long it takes ( if ever ) for our credit scores to go up! We will not hold our breaths. As for the CFPB I do not expect them to even read this which is their SOP- SEND IT AND CLOSE IT IMMEDIATELY. I expect a send me your identity bull SOP for these inept agencies as a delay. TRUTH BY WORKS AND FACTS WHILE YOU ALLOW negative information to be posted immediately and these agencies have off shore staff capable of accessing Americans ibfirmation even while warning us of confidentiality.
Product: Credit card

I booked a trip to XXXX XXXX with Chase Travel, I had to cancel the flight and recieved flight credits to XXXX and XXXX. They are making it impossible to use the credits. I have called three times trying to use them and get sent around and provided no resolution as they basically wait me out so I can't use it. This is essentially stealing {$1800.00} from me. I should be able to book a flight with them in a timely manner but they are making it impossible.
Product: Credit reporting or other personal consumer reports

The date of the first delinquency that you have does not match the date that I have. Under 15 USC 1681 BE you must provide maximum possible accuracy and I am taking into consideration that the CFPB is suing you as well.
Product: Debt collection

To Whom It May Concern : I was notified by XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, CO XXXX on XX/XX/2022 that account number XXXX when into collections with a company named XXXX XXXX XXXX regarding an alleged debt. I have reason to believe I do not own this debt, because of the events that lead-up to the debt. Due to the mishandling, inputting of wrong information and losing my paperwork by the employee that worked for the Social Security office at XXXX XXXX XXXX XXXX XXXX XXXX, CO by ( XXXX XXXX ). XXXX XXXX, another employee that works at the same office, informed me that XXXX had input my information wrong and lost my documentation ( Request for Employment Information, Application for Enrollment in Medicare Part B ). XXXX XXXX no longer works at the Social Security office in XXXX, CO. I have been without my Medicare Part B for eight months. Due to the negligence of the employee at the Social Security office. I have reason to believe I do not own this debt or any debts, because of not having my Medicare Part B. Due to the mishandling of my documentation by the Social Security office, I must refile my paper work and this is going to take more time. I request all the following information be provided to me by mail. The amount of the debt. The full name and mailing adderss of the original creditor for the debt. Documentation showing you have verified that I am responsible for the debt. Documentation showing you are licensed to collect debts in Colorado. If you continue attempting to collect on this debt or seek judgment for payment of debt without written versification you will be in violation of the Fair debt Collection Practices Act. Additionally, the debt can not accrue any fees or interest beyond what is allowed by the state law of Colorado.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX
Product: Credit card or prepaid card

Account opened XX/XX/2017, current outstanding balance {$5900.00}. This account was opened without my consent and Ive mentioned this to the company a few times. I believe someone deliberately obtained my information and used it to obtain the card for purchases.
Product: Money transfer, virtual currency, or money service

I sent {$95.00} through PayPal to buy a pair of shoes from XXXX. I never received merchandise & seller doesnt respond to messages or emails. I filed a dispute through PayPal. They said money was transferred as requested but wont look any further into the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of inquiries has violated my federally protected consumer rights to privacy and confidentially under XXXX XXXX XXXX. 
XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 Capital XXXX Auto XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX Dealer Fin XX/XX/2023 Capital XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital XXXX XX/XX/2023 Ally XX/XX/2023 Safe XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Star XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MAIN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A States I have the right to privacy.

15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make aany 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 7 years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to 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 am writing to follow up on my previous correspondence dated XX/XX/XXXX, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. 

To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, California XXXX Social Security XXXX : XXXX Date of Birth : XX/XX/XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity.

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a prompt and thorough investigation of disputes and correct any inaccurate information within the mandated timeframe. Your delay in addressing this matter raises concerns about compliance with federal law and the integrity of your processes. 

I kindly request the following : 1. Immediate removal of the erroneous address from my credit report.

2. An updated credit report reflecting the corrected information.

3. Written confirmation of the actions taken to resolve this dispute. 
XXXX, XXXX, XXXX
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. 

XXXX XXXX XXXX XXXX : # XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX : # XXXX 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 or other personal consumer reports

I have proof that due to this company 's way of filing credit reports identity theft does not get reported. There is proof that my personal information was sold and bought illegally because I was a victim of the Equifax data breach. I want my credit account secured. 
XX/XX/2023, was the first notice of identity fraud. However, after using the company 's freezing method and alert notification for identity being used. The fraud continued and a fraudulent tax filing was reported. I was not aware and notified until XXXX of XXXX  by the IRS. I am attaching proof the Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing.
Product: Credit card

I called Macy 's to place my order numerous times was treated very rude by disgruntle employees calling me " XXXX '' in XXXX they didn't process my order I tried updating my information got no help via chat told to call very unprofessional please audit their customer service they discriminated me for being a XXXX mother I feel also my XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I disputed fraudulent activity with my business bank account. Someone used my debit card and purchased items without my consent and without my authorization. A conditional credit was released. On XX/XX/XXXX the claim was denied, and the bank withdrew the conditional credit from my account putting my account in the negative. Being as though this an active business bank account. My business transaction is not only on hold, but income needed to pay my business expenses were taken out of my account and used to pay for transaction that i did not authorize.
Product: Debt collection

Is not mine gave them PROOF of adress at the time had my apartment lease and send it to them. Call them about the account was open and told them it was not mine the Representative ask for my info to put a complaining and after I gave her my info she said that os your account and I 'm going to fill out all the missing info In your account when I told her o already has services in reall adress how can o possible be living at 2 different adress at the same time and they hang the phone. O fild different forms and claims and no luck removing alot of things someone did when my identity was stolen. The collection agency is penn credit in XXXX PA AND THE COMPANY IS XXXX Penn credit keeps harassing me calling me at all times
Product: Credit reporting

I HAVE A NEW ACCOUNT THAT IS A SECURED CREDIT CARD WITH XXXX THAT IS BEING REPORTED THROUGH EVERYONE BUT TRANSUNION! THIS IS ALSO IMPACTING MY CREDIT SCORE AS I SPOKE OF IN THE PREVIOUS COMPAINT THIS NEEDS TO BE REPORTED FROM XXXX TO PRESENT PLEASE AND THANK YOU, UNSURE WHY IT HAS N'T BEEN REPORTED AFTER REMOVING DEROGATORY DEBT? SO I THINK MY SCORE WOULD BE WAY HIHGER THAN A XXXX AS PREVIOUS STATED BUT STILL HAVE N'T SEEN ANY DOCUMENTS TO BACK THAT STATEMENT.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ), I am writing to inform you that the following accounts have violated my rights to privacy and confidentiality under 15 USC 1681 : - XXXX XXXX ( Account Number : XXXX ) - XXXX XXXX  ( Account Number : XXXX ) - XXXX XXXX ( Account Number : XXXX ) - XXXX XXXX ( Account Number : XXXX ) These accounts have been reported without my written instruction, in violation of 15 U.S.C 1681 Section 604 A ( 2 ). Additionally, the reports contain adverse information older than seven years, which is prohibited under 15 U.S.C 1681c ( a ) ( 5 ).

As you are aware, 15 U.S.C 1681s-2 ( A ) ( 1 ) states that a person shall not furnish any information relating to a consumer to any consumer reporting agency without the consumer 's consent. I demand that you take immediate action to correct this violation and remove the aforementioned accounts from my credit report.

Please investigate this matter and provide written confirmation of the actions taken to rectify the situation within 30 days from the date of this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX. I am having issues with inaccurate addresses on my credit file. Iwould like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E .

Report and other furnished Lexis Nexis, XXXX XXXX, and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Credit Act, you are required to comply. The following addresses are not mine please remove/delete them : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XX/XX/2001 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX These numbers are not mine please delete. Telephone Numbers Reported : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX ( 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, credit repair services, or other personal consumer reports

I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with information listed and removed or updated them without incident. You, however, seem to claim you've verified the accuracy of the information. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 items from my 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 creditor.. I need the account corrected now! 

XXXX XXXX