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

I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 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

In accordance with the Fair Credit Reporting act 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 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 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, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX my SS is XXXX, my DOB XXXX I live at my current and only address XXXX XXXX XXXX XXXX XXXXS GA XXXX. I am trying to purchase a motor vehicle and yes I was denied do to false and inaccurate information on my credit file. The are various names on my report that are not my name XXXX XXXX XXXX is the only correct listing of my name please delete any other variation of my name spelling. My phone number XXXX please remove any other phone number. 
The following addresses are not mine please delete : XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX CT XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX   XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX  XXXX CO XXXX XXXX XXXX   XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX OH XXXX I just finish getting rid of fraudulent accounts and wrong information from my credit report with the help of my attorney I do not wish to go through that experience again. 
I DO NOT NEED ANY FREEZE OR FRAUD ALERT!!! I DO NOT NEED ANY FREEZE OR FRAUD ALERT!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Account not mines. Submitted FTC report. 

1 Original creditor : {$90.00} Account number XXXX 2. Original creditor : {$650.00} Account number XXXX Remove Inquiries 3.XXXXXXXX XXXX  4.XXXX XXXX XXXX XXXX 5.XXXX 6.XXXXXXXX XXXX XXXX XXXXXXXX 7.XXXX XXXX XXXX 8.XXXX XXXX 9.XXXX XXXX 10.XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I purchased furnitire using acima and was always on time with payments. one day they just randomly closed my account and reported it to my credit as a debt. I was told i could make payments on my furniture. I literllty paid all of that money for nothing. a SCAM
Product: Credit reporting or other personal consumer reports

There are several hard inquiries on my credit report dated XX/XX/year>. I did not give permission for my credit to be ran and would like all of those hard inquiries to be removed
Product: Mortgage

I sold my property with a closing date of XX/XX/2022. The loan was paid in full and I had an escrow balance of roughly {$3800.00} which was verified by Caliber Home Loans, who held the original mortgage. I did not receive the escrow disbursement within the required 20 days so on XX/XX/2022 I called Caliber to inquire. I was told that it was an error with the address and yes it should have been sent and was {$3800.00} just give it a few more days. Call next week if not there. On XX/XX/2022 I still had not received and called again. This time I spoke with XXXX ( employee code XXXX ). She profusely apologized and said she could tell from the notes there was a mess up and the funds were still in escrow and she had no idea what was wrong. Told me she would expedite to a manager and I would get a call with resolution no later than Wednesday ( XX/XX/2022 ). On Thursday XX/XX/2022 I still have no call back from anyone from Caliber much less a manager. I spoke with XXXX ( sp? ) employee code : XXXX. She again told me she can see all the notes and that there is still {$3800.00} in escrow due to me and not sure why this wasn't resolved. I again asked for a manager however all I could get was a promise someone would call back, probably a manager, immediately. My escrow refund is now over 20 days past due according to RESPA  and the contract and I am having no luck getting my refund as promised processed to me. I have made XXXX contacts and still no response and would be willing to resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently did an investigation on my credit report which caused severe depression upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( XXXX ) these accounts are in violation of not reporting 100 % accurate. 

XXXX XXXX XXXX OF XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX  SERV Account Number : XXXX XXXX XXXX BANK XXXX Account Number XXXX XXXX XXXX COLL Account Number : XXXX XXXX CREDIT XXXX  Account Number : XXXX**************** XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX Also, In accordance with the Fair Credit Reporting Act, the list of accounts above have violated my federally protected consumer rights privacy and confidentiality under XXXX U.S.C. 1681.

15 U.S.C. 1681 Section 602 A. States that I have the right to privacy.

15 U.S.C. 1681 Section 604 A, Section XXXX States a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C. 1681sXXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that the information is inaccurate. 

15 U.S.C. 1681c ( a ) ( XXXX ) Section states no consumer reporting agency can make any consumer report containing any of the following items of information Any other adverse item of information, other that records of conviction of crimes which antedates the report by more than 7 years.
Product: Debt collection

This antagonist unknown third party debt collector is threatening to come after me for an alleged debt that is voided due to the nature of it cause, intention, definition, what constitutes a default, and the most importantly, DISCLOSURES. The XXXX word of default means de+ fallere, meaning " to deceive '', '' to cheat '', or " to lead astray ''. In a financial sense, the actual meaning is to deceive or lead astray a potential borrower. This unknown third party are doing business as MOODY, JONES & INGINO, PA. I expressed to them a " Cease and Desist '' notice & an Identity Theft Report and they are still harassing me. I will like to sue them for actual damages for the voided principal and security agreement, harassing me, not being conspicuously and clearly with the disclosures, the penalty for the violation of all Provisions and not respecting my mind. The federal Act of the disclosure requirements under the Truth and Lending Act and Regulation Z are governed by the XXXX which is part of the Consumer Financial Protection Act of 1968, amended. The controlling law in the area of disclosures is the " TILA & Regulation Z ''. The original creditor ( XXXX XXXX XXXX XXXX ) failed to comply with this federal law as well as this third party. The law is the law, which was broken. A federal law that was made by the Congress and the XXXX.
Product: Checking or savings account

I HAD AN ACCOUNT WITH WELLS FARGO, THERE WERE SEVERAL TRANSACTIONS WHERE MONEY STARTED BEING MISSING FROM MY ACCOUNT, I NOTIFIED THE BANK ON MORE THAN ONE OCCASION AND I RECEIVED A NEW DEBIT CARD, SOME HOW THE FRAUD CONTINUED TO HAPPEN LEAVING ME TO BELIEVE THAT THE FRAUD WAS HAPPENING INSIDE OF THE BANK. I MADE A CLAIM WITH THE BANK TO GET MY MONEY BACK BUT THE CLAIM WAS DENIED. I HAVE SINCE INITIATED A CASE WITH THE XXXX XXXX POLICE DEPARTMENT. I NEED MY MONEY BACK AND ANYONE THAT WAS INVOLVED IN REMOVING MY FUNDS PROSECUTED FULLY.
Product: Payday loan, title loan, or personal loan

On XX/XX/2019, I took out a payday loan from Green Trust. I have taken payday loans before and did not fully look over the agreements, thinking this one would be similar to ones I'd gotten before. I was dead wrong. The interest rates are criminally high at 675 % APR. Basically, I got very sick recently with my XXXX XXXX XXXX and needed money. Looking back now, I don't know how they approved me because I already had out two previous outstanding/unpaid loans. This is over my state 's ( Oklahoma ) limit for the  number of loans you can have out. So I don't think they verify anyone 's ability to pay : they're just trying to trap people in long-term, insanely high-interest loans. The more I looked, it seems like this a " tribal payday lending '' scam. I'd like to see first if all of this is even legal before I try contacting them to sort anything out. Thanks for your help
Product: Credit reporting, credit repair services, or other personal consumer reports

This item XXXX XXXX XXXX # XXXX is inaccurate and I am requesting that XXXX XXXX have the item removed and deleted from my credit report. 
This item XXXX XXXX XXXX ACCT # XXXX is inaccurate and its credibility must be established and I am requesting that XXXX XXXX XXXX have the item removed and deleted from my credit report. 
This item XXXX ACCT # XXXX is inaccurate and its credibility must be established and I am requesting that XXXX have the item removed and deleted from my credit report. 
This item XXXX XXXX XXXX ACCT # XXXX is inaccurate and its credibility must be established and I am requesting that XXXX BANK have the item removed and deleted from my credit report. 
This item XXXX XXXX  ACCT # XXXX is inaccurate and its credibility must be established and I am requesting that XXXX XXXX  BANK have the item removed and deleted from my credit report. 
This item XXXX XXXX ACCT # XXXX is inaccurate and its credibility must be established since the account was sold to another company and I am requesting that XXXX XXXX have the item removed and deleted from my credit report. 
This item DEPT OF THE TREASURY ACCT # XXXX is inaccurate and its credibility must be established because I do not know what this cost is, I wrote a letter to the company to establish credibility but the address on the account is incorrect and I am requesting that the Department send me an interpretation or have the item removed and deleted from my credit report. 
This item BANK XXXX XXXX # XXXX is inaccurate and its credibility must be established because I have fully paid and I am requesting that BANK XXXX XXXX have the item removed and deleted from my credit report. 
This item XXXX XXXX XXXX  # XXXX is inaccurate and its credibility must be established and I am requesting that CENLAR have the item removed and deleted from my credit report since the account is still open and have no issues. 
This item XXXX XXXXL ACCT # XXXX is inaccurate and its credibility must be established and I am requesting that XXXX XXXX  have the item removed and deleted from my credit report since the account is still open and have no issues. 
This item XXXX  XXXX ACCT # XXXX is inaccurate and its credibility must be established and I am requesting that XXXX  have the item removed and deleted from my credit report. 
This item XXXX ACCT # XXXX is inaccurate and its credibility must be established and I am requesting that XXXX who is no longer handling this account have the item removed and deleted from my credit report. 
This item XXXX XXXX # XXXX is inaccurate and its credibility must be established because I have no information about this account and the collections company is very abusive and threatening and I am requesting that XXXX XXXX have the item removed and deleted from my credit report
Product: Mortgage

Carrington Mortgage Company erroneously started charging me for insurance on my property in XXXX, and therefore did not accept my XXXX payment ( which I paid on time as always ), By XX/XX/XXXX my credit rating had fallen from XXXX to XXXX because they reported that I'd missed the payment. I called them and supplied the proof of insurance. They continued to send me letters threatening foreclosure. I talked to them several times and they assured me that their computers needed " a few days '' to update. Today I talked to them again and discovered that they had not accepted my insurance proof because allegedly it had an incorrect address ( they did not contact me to tell me about this problem -- if I had not called them, they would have continued to charge me for insurance ). When I pressed them, they admitted that the address was NOT incorrect, and they were going to submit it today but it was going to take several days to process. They also told me that I'd better pay their insurance fee until their system had updated because otherwise they were going to report my XXXX payment as not having been received either ( even though they did receive it, though without the added insurance charge that I am not under obligation to pay because I already have insurance ). 

In short : my credit rating has gone from " excellent '' to " poor '' because of their erroneous reporting of a missed payment. They have still not fixed the problem, and everyone on the phone says they can't do anything because the system updates at its own pace.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a dispute with transunion about wrong info on my report, I send proof of this, and the Investigation results keeps showing wrong late payments, wrong name etc
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I sent 2 letters to XXXX XXXX about an alleged debt- ( see uploaded documents ) requesting a validation of the alleged debt. You see, I checked my credit report and found some damaging information on my credit caused by this company. I quickly wrote letters to the CEO, XXXX XXXX. Now, I checked my credit report, yesterday and found that the alleged debt was validated. How come I only found out about it by looking at my credit report? As you can see, I want the debt validated using your consumer laws. Nothing else will do. Since XXXX XXXX can not prove to me the alleged debt, I want it removed from the credit report. I also never gave them written permission to put this damaging information on my credit report, and they have therefore committed aggravated identity theft under 15 USC 1681 b ( 2 ). Since they cant validate the debt to me, I think they should validate the debt to you. All I know is I am suffering mentally and emotionally and the sad part about it, I cant afford to pay for mental health services. Thanks you for your time and attention to this matter.
Product: Mortgage

XXXX is assigning a mortage. XXXX has no right since it does note own the note. XXXX only keeps track of mortgages. The bank representative acting as a XXXX reperesentative is assigning the mortgage. XXXX can not assign mortgages. It does not own the note and therefore can not assign the mortgage. The bank representativce does not work for XXXX, or have the rights to assign the mortage without owning the note.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX  Account Number : XXXXXXXX XXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I have disputed my personal statement and Experian wont remove it from my credit report.
Product: Debt collection

In their effort to collect a credit card debt Capitol One has in my opinion made several violations of the FDCPA ( Fair Debt Collections Practices Act ) They, ( Capitol One ) has violated FDCPA, 15 UFC 1692 g & e specifically with regard to subsection ( 2 ) regarding communication about a debt. " communicating with a consumer generally subsection, '' without prior consent of the consumer given directly '' to the debt collector or express permission by the court of competent jurisdiction communication with a consumer in connection of ANY date unless the attorney consents to direct communication ( as Capitol One had previously done in a letter dated XX/XX/2021 is barred is barred pursuant to FDCPA. 

They have engaged in " The false representation and implication that '' ( I ) " a consumer committed a crime or other conduct in order to disgrace the consumer '' in that a summons previously received on or about XXXX.They subsequently had hand delivered delivered via Sheriff 's department on XX/XX/2021. Misrepresenting or falsely implying that a that a crime or other conduct had been committed.This vioklates FDCPA 15 USC 1692e Sec,807. 

Actual damages include humiliation and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I filed a dispute on XXXX, XXXX XXXX XXXX due to credit reporting. Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( experian ). 
They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! Experian has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting ( house, car etc ). Experian violates my rights as a consumer, as well as federal laws.
Product: Debt collection

J H Portfolio Debt Equities purchased a debt in    XX/XX/XXXX    that originated in  XX/XX/XXXX  from   XXXX   XXXX  . I have asked them for validation of this account since    XX/XX/XXXX    via certified mail thru USPS. I did not receive anything from them until I filed a complaint with CFPB. They only have 31 days by law as per FCRA and the FDCPA. They did not meet this deadline and therefore the reporting to the Credit Reporting Agencies MUST BE DELETED. Another factor to be considered is the fact the JH Portfolio is re-ageing this account or " parking it so it will stay on my credit report indefinitely, by selling it to another debt buying agency. The fact of the matter is J H Portfolio did not respond in a timely manner according to the federal laws and must be deleted from all credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing because I do not recognize certain items on my credit report. I have never done business with many of these companies. For some, I recognize the names that are listed as original creditor, but I dont understand how I could owe so much as I dont recall ever having gotten so much debt.
Product: Credit card or prepaid card

I opened my card with Upgrade in XX/XX/2021. There has been no problem with using the card or with their terms. The problem I have is that they do not overtly disclose how much interest is charged each month. I must always determine this amount by subtracting the balance according to all listed charges from the balance displayed on my account dashboard. I have scoured their website and I have scoured my statements and there is absolutely no mention of how much interest is being charged. 

To be clear, my problem is not that they are charging me interest. It is that they are HIDING it. I did initially make a call to their customer support line and even the representative I spoke to could not find any information on what the discrepancy between the listed charges and the given balance was. He could only suggest that I continue doing what I am doing to determine what interest had been charged for a given month. 

I am attaching a copy of my most recent statement with the account number redacted ( though I'm 100 % certain they could determine who I am based on the transactions and billing dates ).