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

Your Name : XXXX XXXX XXXX Your Address : XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, NV XXXX Email : XXXX Phone Number : XXXX Employer : XXXX. XXXX XXXX Date : XXXX To : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX TransUnion XXXX XXXXXXXX XXXX XXXX, PA XXXX Subject : Request for Removal of Paid Account under FCRA and TILA Account Name : XXXX, XXXX ( Revolving ) Account Number : [ Insert Account Number ] Balance : {$780.00} ( Paid in Full ) Dear Sir/Madam, I am writing to dispute the reporting of the above-referenced account on my credit reports across all major credit bureaus. The account with XXXX XXXX XXXX has been paid in full, yet the account is not being reported accurately by all bureaus, which is negatively affecting my credit profile. 
Legal Grounds for Dispute : Inaccurate Reporting - FCRA Violation ( 15 U.S.C. 1681 ) : Under the Fair Credit Reporting Act ( FCRA ), credit bureaus
are required to maintain accurate and fair reporting of credit information. Despite this, the account with XXXX XXXX XXXX is still showing discrepancies across different credit bureaus. As the debt has been settled and there are inconsistencies in the reporting, this violates my rights under the FCRA, and I demand the account be removed or updated immediately. 

Creditor Definition - TILA Violation ( 15 U.S.C. 1602 ( i ) ) : Under the Truth in Lending Act ( TILA ), a " creditor '' is defined as an entity that extends consumer credit and to whom the debt is payable. Since XXXX XXXX XXXX is no longer a creditor in relation to this account and the balance has been fully paid, the account should either reflect its paid status or be removed entirely. 

Actions Requested : Immediate Investigation and Removal : I request an investigation into this account as per FCRA regulations. Given the inconsistencies and the fact that the debt has been paid in full, I am requesting the complete removal of the account from my credit reports across all bureaus. 

Correction or Deletion : If the inaccuracies can not be verified, I request that this account be deleted from my reports entirely or updated to reflect its " Paid in Full '' status across all bureaus. 

Written Confirmation : Please provide written confirmation that this account has been removed or updated across XXXX, XXXX, and TransUnion once the investigation is complete. 

I expect this matter to be resolved within the 30-day period as outlined under FCRA regulations . If no action is taken within this period, I will pursue further actions to enforce my rights under the law. 

Thank you for your attention to this matter. I look forward to your prompt response confirming the correction or removal of this account. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

I have been having trouble with Fifth - Third for the past three years. At XXXX point, they were fraudulently trying to foreclose and only through contacting EVER BOARD MEMBER we could locate through email did we finally get help. We have asked for loan help only to have our payment lowered XXXX a month, and we were told we no longer receive monthly statements, and after several requests for an amortization and payment booklet or SOMETHING showing our details, we have n't received anything. We were also given a direct address to send payments to only to have them sent back 2-3 weeks later saying they did n't know how to apply the money?? In the meantime, they 're saying we are in default. This is the SAME EXACT THING they did to us less than two years ago. How do we stop this and get the information from them that we need? We also have yet to receive our paperwork for our taxes this year. Thank you for your time and help!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 

XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX INNOVATIVE RECOVERY INC I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. XXXX Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of XXXX. Appropriate proof of identity of the consumer ; XXXX. A copy of identity theft reports XXXX. The identification of such information by the consumer ; and XXXX. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above-listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
Product: Credit card

This is an issue related to a Citi Home Depot Credit Card XXXX. In XXXX of XXXX I was notified that another Citi Home Depot customer was using my social security number. I contacted Home Depot Customer Service to no avil. I submitted a complaint through CFPB see.. XXXX. I provided Citi Bank with a copy of my Texas DL, my XXXX passport, and a copy of my social security number. Citi initially denied my resolution and advised that I needed to get a letter from Social Security to prove that the social belonged to me. I scheduled an appointment with the XXXX social security XXXX. They provided me with a statement that showed that the social security number belonged to me ( XXXX XXXX XXXX ) and not XXXX XXXX. Upon submitting the information, Citi reached out to me and advised that this was an internal mistake and they would remove XXXX XXXX from my social security number. They also credited my Home Depot account a {$100.00} for my trouble. Fast forward - I was shopping at home depot on XX/XX/XXXX and XXXX/XXXX/XXXX. As I was checking out, using my home depot credit card - I notice that XXXX XXXX has been added back to the account using my social security number. How can Citi Bank get away with this practice? I'm more concerned now, since have given Citi more of my personal business such as additional credit cards and a savings account. I am concerned that they are allowing others to use my social security and is not taking this issue serious. I am also concerned that your company closed the account without having showing the final outcome from Citi Bank. 
As of XX/XX/XXXX - As per Citi - this issue is with Home Depot Point of Sale and not Citi Bank.
Product: Mortgage

XX/XX/XXXX, I experienced a loss of employment and was forced to put my home on the market, as I could no longer afford it. I ended up having to do a short sale on the home, and it was approved by my mortgage companies. My XXXX mortgage was completely resolved with the proceeds from the sale. However, soon after, I was notified by PNC Bank that my home equity line of credit was not completely resolved. They told me that a balance was still owed. I immediately resumed payments on this account, and have made consistent, monthly payments on this account for well over three years now. It recently came to my attention that PNC Bank is reporting this account as a collection account! Despite three and a half years of loyal, timely payments, they are reporting this account as a collection account. Additionally, I have discovered that they are re-setting my date of last activity every time I make a payment. So instead of reporting the date of last activity as the date they put the account in collections, they continue to re-set that date monthly. I can only assume that they are doing this to perpetuate the seven years they can continue to report this debt on my credit report. My credit is not perfect, but this situation is having a devastating effect on my overall credit rating. I have contacted PNC Bank about this situation on numerous occasions, but they offer no resolution. There were XXXX different avenues I could have taken about this matter when the short-sale occurred. I could have just let the account go, and stopped making payments. After all, I no longer lived in the house. However, I decided to do the honorable thing, and continue to make loyal payments to this debt. In my opinion, PNC Bank has literally punished me for doing the right thing.
Product: Credit reporting or other personal consumer reports

I am not responsible for these inquiries and have no ties to the listed creditors.
Product: Credit reporting or other personal consumer reports

During the pandemic, managing payments for this account became increasingly challenging. As the economic landscape shifted unpredictably, so did my financial stability. With job uncertainties and unexpected expenses, allocating funds towards debt repayment became a daunting task. Despite my earnest efforts, the burden of overdue payments weighed heavily on me, exacerbating the stress already imposed by the pandemic 's uncertainties. Each missed payment amplified feelings of XXXX and frustration, deepening my worry about the repercussions on my credit score and financial future. Navigating these turbulent waters required a delicate balance between meeting essential needs and addressing financial obligations. Seeking assistance and exploring alternative payment options became imperative in order to mitigate the impact of this challenging situation.
Product: Mortgage

Around XXXX a mortgage company named Green Tree took over the mortgage for my home. Green Tree forced placed flood insurance on the house, flood insurance I had already purchased out of pocket. I had escrow for one year when I bought the house in XX/XX/XXXX, after that I dropped the escrow and started paying bills associated with the house out of pocket. I tried to resolve the issue of the forced placed flood insurance with Green Tree,  sending them proof of insurance several times but was met with threats of forclosure and demands that I leave my home. It got to the point where they did start forclosure proceedings and refused to accept any payments I made towords my mortgage. I couldnt even make any future flood insurance payments because my money would always be returned to me but they allowed me to continue to pay for the home owners insurance and the taxes. I have an attorney who I expected to help me out with this problem. Considering the fact that Green Tree had multiple complaints and even lost several, multi-million dollar, class action law suits against them in reference to this situation, I thought this matter would have been resolved a long time ago with a ruling against Green Tree. To make matters more complicated, Green Tree is no longer in business. Now it is getting down to the wire, I received a call from a stranger, not my lawyer, to inform me that my house is scheduled for a sheriffs sale to be held in XXXX. I know its late and cutting it close but I am at the end of my rope and I am hoping that this letter reaches someone that can help me before I get kicked out of my home. Thank you.
Product: Credit card or prepaid card

I was a victim of a crime on XX/XX/2019. An international gang forced me to use my credit cards and cash obtained on my business XXXX card to buy {$10000.00} worth of gift cards at XXXX  and XXXX XXXX store, then they took the numbers off the gift cards and bought XXXX watches at other XXXX  and XXXX XXXX stores. I reported the crime and fraud to the XXXX XXXX Police Department ( incident # XXXX ), the local FBI office, filed a IC3 Internet Crime Form, cancelled my credit cards, contacted the XXXX and XXXX XXXX merchants ( the XXXX were already bought and gone ). The banks involved were XXXX XXXX, which wrote off the credit card charge as fraud, XXXX XXXX, whose XXXX card charge of {$1500.00} was paid by XXXX XXXX as autopay but is investigating refunding the charge to me as fraud, and Chase Bank, which closed my business XXXX account and moved the {$4000.00} charge to my XXXX XXXX XXXX card, which has never been activated. Chase Bank fraud department won't consider investigating the crime as fraud and keeps charging me interest on the {$4000.00} charge from the closed account. The gang was able to hack into my Chase Bank accounts online because Chase bank doesn't have 2 way verification of my online bank accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX Account Number : XXXX In accordance with the Fair Credit Reporting act XXXX Account # 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
Product: Credit reporting

file # XXXX chapter XXXX According to the FCRA ... I have a right to know how the information was obtained and where it was obtained to verify the chapter XXXX file number XXXX. They failed to send me information on how this was verified and with whom they verified it with. This is a serious FCRA violation. The court house claims the credit bureau does not verify with them either on someone 's bankruptcy filings .. so where did Equifax get their information from? Looking at your computer screen is not validating and verifying information. If they can not show me proof they have to delete this information immmediately!!
Product: Student loan

The situation at hand started with me wanting to relieve myself from debt with students by accommodating a lower while getting my loans paid for. I previously was working with a company called XXXX. Eventually as time with by, I came across several phone calls asking me if I wanted to sign up with the program of student loan debt forgiveness with XXXX XXXX. Finally entertained the idea because I thought those type of calls were scams but talked about it at work over the phone. The conclusion from that conversation was that I was going to be forgiven from my student loan debt after so many months of paying XXXX XXXX $ XXXX after the initial cost upfront of {$600.00}. As a few months passed working with them, I began receiving letters from FedLoan stating there was {$0.00} being made to my account each month and obviously I became concerned. Reached out to XXXX XXXX to cancel because what they told me then was something different from before. Today, XX/XX/XXXX, I reached out to FedLoan and was explained that XXXX XXXX was a scam service that charges people for the same free services they provide when I explained i I went through them to try and get my loans forgiven. Immediately told me to file a complaint against them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting 30 days late payments on my credit report for the months XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Federal law states that late payments can not be reported until at least 30 days past due date. I contacted XXXXXXXX XXXX to confirm full payments were made before the 30 days for each incorrect reporting, dates listed below. XXXXXXXX XXXX refused to correct this error. 

XX/XX/XXXX due XX/XX/XXXX - paid in full by XX/XX/XXXX XX/XX/XXXX - due XX/XX/XXXX - paid in full by XX/XX/XXXX XX/XX/XXXX - due XX/XX/XXXX - paid in full by XX/XX/XXXX XX/XX/XXXX - due XX/XX/XXXX - paid in full by XX/XX/XXXX XX/XX/XXXX - due XX/XX/XXXX - paid in full by XX/XX/XXXX XX/XX/XXXX - due XX/XX/XXXX - paid in full by XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to address the unresolved matter regarding previous CFPB complaints numbered XXXX XXXX XXXX. Despite previous instructions provided by the consumer, your consumer reporting agency has not complied accordingly. 

I have reported identity theft against me and have attached the corresponding report for your reference. It is imperative that the inaccuracies in my consumer report be rectified immediately to reflect the accurate restricted information. 

Failure to correct these errors promptly may result in further legal action due to continued reporting of restricted information without correction. 

I kindly request your urgent attention to this matter and prompt action to rectify the discrepancies in my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I request to block and remove these inquiries from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the Experian and XXXX are obliged to block and remove any items not later than 4 business days after the ( XX/XX/XXXX ). Ive already included this identity theft report in my previous letter & I am including it again. Also, the data you provided on these inquiries are UNKNOWN to me and were REMOVED from other bureaus and so I have doubt about the accuracy of these inquiries still reporting in my credit reports : EXPERIAN : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. This is to inform you if you do not BLOCK and REMOVE the listed inquiries on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 has violated my rights. Or list of inquiries 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, credit repair services, or other personal consumer reports

Filed a dispute with Equifax on the XX/XX/2022, and today XX/XX/2022, they respond. Not only my dispute took over 30 days, which is a violation of my rights under FCRA section 611. They also responded that I have never applied for credit in the past 10 years nor do I have a social security card, but I have fraudulent negative items being reported on my credit report from their company. Please investigate thoroughly and resolve within 30 days.
Product: Debt collection

To whom it may concern, under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The XXXX act is to ensure & protect the privacy of patients medical healthcare data. Also. Under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. 
I have never given XXXX XXXX any written consent to report anything on my consumer report, no consent is identity theft. I have attached a copy of the law with this dispute message. Concerning the account listed below as a consumer I'm demanding a deletion of this account. I am also demanding compensation for violations of committing fraud, XXXX XXXX, FCRA, FDCPA, and for damages. I am demanding that this account is removed in less than XXXX hours please mail checks to the address listed. I am allowing XXXX calendar days for the check to be mailed out from the date this is received. The amount that I am requisition is a total and sum of {$3000.00} TWICE WHICH IS A TOTAL OF {$6000.00}. 15 USC 1640. 15 USC 1611. that is from XXXX XXXX XXXX. I am willing to settle this out of court for the exact amount of debtor collection agency. I will only allow XXXX calendar days for the check to mailed to my residence. I am not serving you but making it clear that this is an intent to sue. This is my final warning. 
XXXX XXXX XXXX
Product: Debt collection

HCI notified me on or about XX/XX/2020 of an alleged debt being collected. Under the FDCPA, a debt validation was submitted to the organization within 30 days. HCIs response only included a billing statement indicating a balance but provided no documentation to indicate that the alleged debtor has actual responsibility for the alleged debt. As such, the original creditor listed in the alleged debt made no attempts to collect any alleged monies owed nor made any attempt to indicate that any balance may have been owed.