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

After reviewing my submission I noticed that the Credit Bureaus stated that my accounts were properly investigated. How is that possible when some of the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are inaccurate? This is grounds for removal. 
I also noticed each agency lowered my credit scores after I filed a complaint of inaccurate and or unfair reporting/use. According to federal law and the fair credit act it is strictly prohibited to retaliate against consumers for requesting remedy or corrections to their reports. 

They also violated my rights under : 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 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 USC 1681 Section 603 ( 3 ) ( E ) States ; The term investigative 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. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

15 USC 1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 

If these accounts and corrections are not made and removed I will be reporting you to the XXXX and I will be contacting the Federal Trade Commission, and I will be filing a lawsuit against your consumer reporting agency for violation of privacy and pain and suffering.
Product: Credit reporting or other personal consumer reports

XX/XX/year> put a deposit in with the company letting them no that they agreed to removed negative report due to account was reported even though they knowledge that it was bc of a XXXX a natural cause.
Product: Credit card or prepaid card

XXXX charged me a membership fee I had not wanted. XXXX store removed the charge. Comenity Bank continued to charge late fees and interest. They have removed most the fees but are still trying to charge me interest. Plus they have reported that I missed payments in XX/XX/XXXX and XX/XX/XXXX when there should have been no charges as the card was paid in full XX/XX/XXXX. I call every week or so and they say they fix it but they never do. I have XXXX false blemishes on my credit report due to this and they are still trying to charge me interest.
Product: Debt collection

The company is calling repeatedly. Here is the list of calls and times since XX/XX/XXXX. 
XX/XX/XXXX : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 
XX/XX/XXXX : XXXX, XXXX, XXXX, XXXX, XXXX XX/XX/XXXX : XXXX, XXXX, XXXX, XXXX, XXXX XX/XX/XXXX : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XX/XX/XXXX : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XX/XX/XXXX : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XX/XX/XXXX : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX
Product: Credit card

I had my identity stolen and used to open a credit card that was under my name. I already reported the fraudulent account to the credit card company and credit bureau.
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. XXXX. The inquiry was not authorized XXXX Date of Account : XX/XX/year>2022 Please remove it from my credit report. XXXX XXXX XXXX Account Number : XXXX .Validate the late payments. I have never been late on this account. XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. XXXX XXXXAccount Number XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX XXXX XXXX  XXXX [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!! 
RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. XXXX. The inquiry was not authorized XXXX Date of Account : XX/XX/year>2022 Please remove it from my credit report. XXXX XXXX XXXX Account Number : XXXX .Validate the late payments. I have never been late on this account. XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. XXXX XXXXAccount Number XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX XXXX XXXX XXXX [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Consumer Loan

I refinanced my XXXX on XX/XX/2016. The vehicle was used as collateral for the loan. On XX/XX/2016 I was involved in an accident and the vehicle was a total loss. I just had liability insurance on the car at the time and the loss was not covered. I drove for XXXX and now I had no income since I had no car. I was unable to continue to pay on the loan. The loan company sent me a letter and said that the loan would be paid in full and the debt settled if I could pay XXXX. I worked with my insurance co. for several weeks and finally they did agreed to pay for some damage. ( comprehensive/falling objects. ) When my insurance company called the loan company to find out the amount they needed to send to pay off the loan, they were told by the loan company the payoff was XXXX! I went back to the loan company and they said they were not going to honor the settlement agreement they had agreed to. I looked more closely at the loan documents and how I was treated and feel the loan situation was predatory. This has put me in a bad financial situation.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of fraudulent information on my credit report. Upon reviewing my report, I discovered account that is not mine and is the result of identity theft. This fraudulent account has already been deleted from the records of other credit bureaus, highlighting the discrepancy in your reporting. I have contacted the bank associated with this account via phone call, and they have confirmed that the account was fraudulent and has removed it from their records. Despite submitting the required FTC report, the account continues to appear on my credit report with your bureau. 

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

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. 

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Addresses : XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, MO XXXX Employer : XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Name : XXXX A XXXX XXXX Employer : XXXX XXXX XXXXXXXX XXXX XXXX KS XXXX Addresses : XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX, KS XXXX Inquiries : XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX Collecons : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Addresses : XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX FL XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Inquiry : XXXX XX/XX/XXXX
Product: Debt collection

INDIGO XXXX BANK. Dear Sir/ Madam, I am writing to formally demand that you Cease and Desist all communication with me regarding this alleged debt referenced under account # XXXX, in according with the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692c ( c ). Please note that any further contact from your agency, except for the purpose expressly allowed by law ( such as notification of legal action or final settlement ), will be considered a violation of federal law, and i will take all necessary legal action to protect my rights.
Product: Debt collection

I submitted previous case number : XXXX last year. Arrowhead advance said that my account was satisfied in full and they would stop calling and harassing me. I have received several phone calls at my workplace, including one today that I have in the form of a voicemail attachment, showing that they continue to contact me.
Product: Mortgage

My mortgage loan servicing company is PHH Mortgage Services, XXXX XXXX XXXXXXXX XXXX XXXX, NJ XXXX. I have been making regular mortgage payments, by way of bank drafts initiated by PHH, since XXXX, XXXX. From time to time, I have made additional principal payments, ten in all totaling {$10000.00}. I regularly track my activity on the PHH website ( XXXX ). To my discredit and chagrin, I only recently noticed the website offered less than complete information on my payment activity, and what was offered was confusing. The loan activity column on the website shows only payments made, the dates thereof, and the ostensible application to the loan. Worse, when I have made additional principal payments, the amount showed as applied to the loan balance is always {$0.00}. Nowhere on the site is there to be found a conventional amortization schedule which would reflect the missing information ; i.e., what amounts from each regular payment and additional principal payment are applied to principal and interest and the resulting principal balance.By letter dated and mailed XX/XX/XXXX, I requested a complete amortization schedule from the beginning of the loan, showing all the information detailed above. The only response has been a note, dated XX/XX/XXXX, stating PHH is still researching the matter. As all the information I have requested is within their knowledge and control, no research should have been necessary. This delaying response makes me question their sincerity in providing me with complete and accurate information. I have correspondence corroborating my allegations. Please investigate ; my Loan Number with PHH is XXXX.
Product: Debt collection

Upon receiving copies of my credit reports I found this debt from Acima Digital FKA Simple that I did not recognize. I sent a debt validation letter and was returned a letter stating that my dispute was frivolous or irrelevant. I do not know what this debt is and do not believe it to be mine.
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, I believe we need to eliminate any incorrect accounts from my credit report. Can you review the documents? Some accounts listed have inaccuracies in their reporting, with incorrect amounts and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the Fair Credit Reporting Act : XXXX XXXX # XXXXXXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX ending XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX Bank # XXXX and XXXX XXXX Bankruptcy 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 instruction
Product: Checking or savings account

I have opened a Chase checking account ending in XXXX back to XXXX XXXX XXXX. I had lost total amount {$11000.00}, my financial situation and my mental health got terribly hurt. I have tried to submit a clainm with J.P Morgan Chase, but unfortunately my cliam case got declined. 

On XXXX XXXX, XXXX, someone had hacked into my online banking, started making bill payment through online banking paying XXXX XXXX credit card since then, I had or have never received a notification message or email of someone logging in my online banking account. I also never had or have any account with XXXX XXXX. 

The payment started from XXXX XXXX, XXXX to XXXX XXXX, XXXX. I did not receive any notification by phone/text/email either someone logged in my online banking or made credit card payments. 

Here are all the fraudulent transactions, total amount {$11000.00} : XX/XX/XXXX : Online payment XXXX To XXXX XXXX  XXXX XXXX, amount {$470.00} XX/XX/XXXX : Online payment XXXX To XXXX XXXX XXXX XXXX, amount {$350.00} XX/XX/XXXX : Online payment XXXX To XXXX XXXX XXXXXXXX XXXX, amount {$400.00} XX/XX/XXXX : Online payment XXXX To XXXXXXXX XXXX XXXX XXXX, amount {$400.00} XX/XX/XXXX : Online payment XXXX To XXXX XXXX  XXXX XXXX, amount {$500.00} XX/XX/XXXX : Online payment XXXX To XXXX XXXX  XXXX XXXX, amount {$440.00} XX/XX/XXXX : Online payment XXXX To XXXXXXXX XXXX  XXXX XXXX, amount {$500.00} XX/XX/XXXX : Online payment XXXX To XXXX XXXX XXXX XXXX, amount {$370.00} XX/XX/XXXX : Online payment XXXX To XXXX XXXX  XXXX XXXX, amount {$280.00} XX/XX/XXXX : Online payment XXXX To XXXX XXXX XXXX XXXX, amount {$2000.00} XX/XX/XXXX : Online payment XXXX To XXXX XXXX XXXX XXXX, amount {$1000.00} XX/XX/XXXX : Online payment XXXX To XXXX XXXX XXXX XXXX, amount {$2000.00} XX/XX/XXXX : Online payment XXXX To XXXX XXXX XXXX XXXX, amount {$1400.00} XX/XX/XXXX : Online payment XXXX To XXXX XXXX  XXXX XXXX, amount {$520.00} XX/XX/XXXX : Online payment XXXX To XXXX XXXX  XXXX XXXX, amount {$100.00} XX/XX/XXXX : Online payment XXXX To XXXX XXXX XXXX XXXX, amount {$410.00} XX/XX/XXXX : Online payment XXXX To XXXX XXXX XXXX XXXX, amount {$150.00} XX/XX/XXXX : Online payment XXXX To XXXX XXXX XXXX XXXX, amount {$30.00} XX/XX/XXXX : Online payment XXXX To XXXX XXXX  XXXX XXXX, amount {$230.00} Please help me! Our family needs the money!
Product: Credit reporting or other personal consumer reports

In Accordance with the FAIR CREDIT REPORTING ACT. The List of Accounts below has violated my Federally Protected Consumer rights to privacy and confidentiality Under 15 USC 1681. 

Account Name - XXXX XXXX XXXX. 
Account Number - XXXX Account Name- XXXX XXXX XXXX Account Number- XXXX, Has Violated my rights under, 15 U.S.C section 602 15 U.S.C section 604 15 U.S.C 1681 C.

15 U.S.C 1681 S-2 ( A ) ( 1 )
Product: Mortgage

I am simply trying to search some heloc rates. Rocket mortgage advertising is pervasively popping up everywhere, baiting you into their quote flow. Finally, I relented and went through the screens as I was lead to believe that would show me a rough idea of rate. Nopeget to the end now they want to call me!! I dont want a call thats why Im looking online XXXX. And I know the call will be a disgusting sales pitch, and Ill probably now have my info farmed out to dozens of slimy phone pitch desk farms. 

All I wanted was to see a list of rough rate ranges. Why is that so impossible in this country? Why is rocket mortgage allowed to bait people into giving all their information insinuating that they would get what they wanted to see, only to then suck you into a hard phone call sales pitch gauntlet? 

Rocket mortgage should be transparent and very clearly and unmistakably say if you fill all this PII out, at the end you wont see rates. The next step will be phone calls
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year>, I had XXXX work done by XXXX XXXX XXXX who explained that I could get a 0 % percent loan through Cherry Servicing LLC. I agreed and signed up online via an electronic tablet used by provider. My provider and I looked at the available payment terms several times to make sure I was selecting the 0 % option and that is what I selected! Cherry Servicing doesn't immediately send you the loan details, so I didn't get that information until XX/XX/year>, when they said my payment was coming up. I didn't immediately read it because I knew the payment amount was {$260.00}, which I agreed to, so no problem. Later, I discovered the interest rate is 17.99 %, which I would have NEVER agreed to because I could have paid the provider in cash and decreased services. I've since researched Cherry Servicing LLC and found that they often engage bait and switch interest loans. I did contact them and they said the provider could change the terms, but the provider is not the loan company and they can't change anything, so that is another Cherry Servicing LLC lie!
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, I filed an arbitration against Equifax ( Case number XXXX ), however, I have received a notice from the XXXX XXXX XXXX, informing me that XXXX, failed to comply with the XXXX  policies regarding consumer claims, out of compliance and therefore XXXX  can not process any arbitrations with Equifax . This means they are not only in breach of contract with me but with every other account, Equifax is servicing. I am requesting the Consumer Financial Protection Bureau launch a class action against Equifax. on behalf of all other consumers. Equifax is in breach of contract and failed to comply with the arbitration provision.
Product: Credit reporting or other personal consumer reports

I completed a settlement agreement with the company and was to make three payments, which I completed. The information on my credit report is not correct and it still looks like I owe a balance. They told me that once the payments were made the account balance would be updated. I requested that they update it and they haven't.
Product: Credit reporting, credit repair services, or other personal consumer reports

A credit report agency XXXX report wrong information on my credit report, from my account bank account named XXXX. The balance is incorrect, there is no monthly payment for that account. The original balance it said I paid is too high, I never paid that much. All information is incorrect I would like it removed, everything is false. 

Condition Open Responsibility Individual Current Balance XXXX Original Balance XXXX Limit XXXX  Monthly Payment XXXX Last Payment XX/XX/XXXX Status OK Loan Term XXXX Loan Type Secured credit card Opened XX/XX/XXXX Reported XX/XX/XXXX Remarks Creditor Information XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Phone # : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my address. These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile. To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows : Full Name : XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth. 
A recent utility bill to verify my current address. 
A copy of my Social Security card to confirm my SSN. 

This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency : 1.Conduct a thorough investigation to identify and remove any inaccurate personal information from my credit report. 
2.Update my credit profile to reflect the correct information as listed above. 
3.Provide me with a written confirmation once the corrections have been made, along with an updated copy of my credit report. 

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

I have challenged the bankruptcy ( bk ) on my report. The data furnishes and credit bureau claims that they have validated from public records and the data furnisher XXXX XXXX and ars. I got a letter from the XXXX XXXX house saying they do not provide any information to any third parties like the credit bureaus or data furnisher. XXXX XXXX removed the bk from their report based inaccurate information. I sent all the letter challenging the information along with letters from XXXX XXXX and the bk court house. I request the bk be removed immediately according to FCRA
Product: Mortgage

The comppany cant account for missing esscrow money. I have NEVER reci9eved a refund for any year of this loan, infact I had a coushion at the begining to avoid esscrow increase. this company makes sure to assess whil bills due so they can say " you need an advance ''. problem is Ive made all payments and my bills haad not increased much yet Loan Care is asking for more than {$800.00}. a month to pay my bills. 

I calculate I shoiudkl have had an overgae the first year oif more than {$1000.00}. Overage they second year and so on yet the company has taking my mortgage payment from under {$1200.00} to now nearly {$1700.00}. 

I wouls like this investigated with foillow up.