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

I have not observed any updates regarding the removal I had requested from the XXXX, Equifax, and XXXX Credit Bureaus. By now, they should have already removed these inquiries within the prescribed 15-day timeframe. Regrettably, the Equifax Bureau has not removed the single inquiry I had requested to be deleted. In accordance with the Fair Credit Reporting Act ( FCRA ), Credit Bureaus are mandated to eliminate any inquiries or items contained in an identity theft report submitted by the consumer. However, these inquiries continue to persist on my credit report. I kindly request the removal of the following inquiries listed below within 15 days : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

In XX/XX/year>, I vacated my rental unit at XXXX XXXX owned by XXXX in XXXXXXXX XXXX, in full compliance with my lease terms. Despite this, I was later charged for an additional month of rent that I do not owe. The property management never provided legitimate documentation to justify this charge, and I was not notified of any outstanding balance before it was sent to collections. 

This alleged debt was then reported by Columbia Debt Recovery, impacting my credit. I disputed the debt with XXXX, but they responded by stating that the collection agency confirmed the debt is being recorded correctly without providing actual validation. 

Upon further research, I discovered that multiple former tenants of XXXX XXXX have reported experiencing the same fraudulent charge during the same time period, suggesting a pattern of deceptive and predatory practices. 

Additionally, XXXX XXXX advertised a " monthly security deposit payment '' alternative in place of a traditional refundable security deposit. Tenants were led to believe that these payments would cover move-out costs, but in reality, these payments did not go toward move-out expenses and were never applied to any damages, unpaid rent, or legitimate charges. Instead, this program appears to have been a deceptive scam designed to extract extra payments from tenants with no actual benefit. 

Steps Taken : I disputed the debt with XXXX, but they did not conduct a proper investigation. 
I researched other complaints and found that multiple tenants were similarly charged false extra rent and misled by the fraudulent " security deposit alternative '' program. 
I have not yet received any validation of this debt from Columbia Debt Recovery but will be formally requesting it.
Product: Credit reporting or other personal consumer reports

Accounts reporting " Late Payment '' Accounts reporting " High Utilization '' Every consumer reporting agency shall maintain reasonable procedures to ensure accuracy to avoid violations per 15 USC 1681c IT IS A VIOLATION OF LAW TO REPORT TRANSACTION HISTORY!!

THE PRIVACY ACT OF 1974. 15 USC 1681n Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both. 

15 USC 1681 Accuracy and Fairness of Credit reporting. IT IS ILLEGAL TO REPORT TRANSACTION HISTORY. 15 USC 6801 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

The Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ''
Product: Credit reporting or other personal consumer reports

I sent documents in the Transunion last month to have fraudulent inquiries removed from my credit report and I have not received a response. So, I am uploading everything here in hopes to get this matter taken care of.
Product: Mortgage

Shellpoint Mortgage Servicing Company handles my mortgage. My mortgage payment went up from {$260.00} to {$510.00} due to that. During that time my new taxes came up for the year. It was an increase of {$72.00} wihich comes to {$6.00} extra per month. Which should bring myu new payment to {$260.00} Shellpoint placed lender hazard insurance on my mortgage. Proof of my insurance was sent twice by my HOA on XXXX and XX/XX/XXXX to Shellpoint.. Finally on XX/XX/XXXX I spoke with an employee at the mortgage company and was told they have the proof of my insurance and the lender insurance was dropped. I got a credit of {$1000.00} on my account. I asked about when the corrected payment would go out. They said they have to order an escrow analysis. I called back on XX/XX/XXXX and spoke with another employee and was told again and escrow analysis needs to be done and it would take about 3 days and my new bill would go out. 
I called back on XXXX to follow up. I was told by XXXX XXXX, the supervisor that I still needed to pay the {$510.00} for XXXX and by XXXX I would get my new payment amount. I told her I had a credit on my account since XX/XX/XXXX and why should I pay an incorrect amount because they can not come up with an adjusted amount in a timely manner.. She said I just have to pay that amount or my credit will be affected. I should not have to pay that amount and try to get a refund later. I can figure the amount myself. My taxes increased by {$72.00} and divided by 12 is {$6.00} extra per month. I sent that amount of {$260.00} to Shellpoint for XX/XX/XXXX. I made quite a few attempts over the month of XXXX to get the correct amount to make XXXX payment. They would not give it to me. So I did the figures and sent in payment for XXXX. I did NOT skip any payments. Shellpoint has been very inept in dealing with my accounts. In the past they had applied my payment to a different account and another time lost the payment in the system. It took quite a long time to clear that up. I do not want to go through that again to try to get a refund. My credit should not be in jeopardy since I made multiple attempts to clear this up and I did not skip any payents
Product: Debt collection

XXXX  XXXX XXXX charged off my credit card. I filed complaint XXXX with your agency that it was being reported on my credit beyond the statute of limitations. 

Although they removed it from my credit file, they are still attempting to collect this debt from me and still have it listed in my statement of accounts as owed despite the bank charging it off and receiving a tax deduction for the loss several over seven years ago. 

I think they are engaged in deceptive practices and collecting debts they charged off is a form of fraud.
Product: Debt collection

ENHANCED RECOVERY COMPANIEES AT `ERCXXXX XXXX XXXX XXXX, FL XXXX Has been sending me collection notices in the amout of {$490.00} the collection has been reported as past due. I doXXXX not know this company. I have never done any business with this company. this company does not have a contract with my signature!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX  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 that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am making this complaint against XXXX, XXXX, and Equifax. 15 U.S.C. 1681 section 602 ( A ) states I have the right to privacy. I have just recently tried building my credit and have just seen my full report for the first time and there are accounts on my credit report that are inaccurate and in direct violation of 15 UL.S.C 1681 section 604a Section 2 states a consumer reporting agency can not furnish an account without my written instructions. I have unauthorized inquiries and fraudulent address and names that are incorrect or not associated with me and want removed from my credit report. 15 U.S.C. 1681 n civil liability for willful non compliance any actual damages sustained by consumer as a result of failure or damages ( {$1000.00} ) please remove an provide me with exact source where you received this information and an updated refit report after the investigation of these accounts are complete. I want investigation outcome to be sent to my home address. This has seriously hurt me and put me in a position where I will take any legal action necessary to get this resolved as soon as possible. I have been informed that by law you have 30 days to complete investigation. 15 U.S.C. Section 1681i ( 5 ) ( A ) states that if you cant provide proof these accounts must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 120-180 ) days late on the XXXX/XXXXXXXX  partial account number XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit card or prepaid card

I received a letter from Capital One advising my secured credit account, and Kohls Charge Card has been canceled, due to, " Principal owner ( s ) past, present or pending legal action. '' I contacted Capital One. The person I spoke with advised she can not give me any information besides what was stated in the letter. She further advised checking my local or county court system. I asked how was the background check completed if I did not give consent. immediately her demeanor changed and she quickly ended the call. I never gave Capital One consent to c
onduct a Criminal History background check. I further checked the terms and conditions, and nowhere is stated that a Criminal Background check, is consented.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fallen victim of identity theft as a result of the XX/XX/XXXX XXXX breach. This has taken a toll on my XXXX health and has affected the quality of my life. Please remove fraudulent accounts.
Product: Credit reporting or other personal consumer reports

This letter serves as an official and urgent request that you, Experian, immediately block and remove the fraudulent and inaccurate information currently appearing on my consumer credit report. Pursuant to FCRA 605B ( 15 USC 1681c-2 ), you are required to take action within four ( 4 ) business days of receiving this complaint. 

The fraudulent accounts include : XXXX XXXX ( Opened : XX/XX/XXXX ), XXXX  XXXX  ( Opened : XX/XX/XXXX ), XXXX XXXX ( Opened : XX/XX/XXXX ), XXXX  XXXX ( Opened : XX/XX/XXXX ), XXXX  XXXX ( Opened : XX/XX/XXXX ), XXXX  XXXX ( Opened : XX/XX/XXXX ), XXXX XXXX XXXX XXXX  ( Opened : XX/XX/XXXX ), XXXX XXXX XXXX ( Opened : XX/XX/XXXX ), XXXX ( Opened : XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX ), XXXX ( Opened : XX/XX/XXXX ), XXXX XXXX ( Opened : XX/XX/XXXX ), and XXXX  XXXX ( Opened : XX/XX/XXXX ). These fraudulent hard inquiries consist of 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

These fraudulent accounts and inquiries were not opened, initiated, or authorized by me. They are the result of identity theft and fraud and have led to serious harm and injury to my consumer XXXX credit report. I do not recognize these accounts, and they must be removed immediately. Enclosed with this letter, you will find : XXXX. A list of the fraudulent accounts in question. XXXX. A copy of my consumer XXXX credit report, highlighting the fraudulent items. XXXX. A copy of the FTC Identity Theft Complaint ( XXXX ), confirms that these accounts are indeed the result of identity theft and fraud. I also wish to highlight the blatant inconsistency in the balance of the accounts, which differentiates balances with the same account numbers. This not only reflects negligence in verifying the accuracy of the information provided to you but also constitutes a clear violation of the Fair Credit Reporting Act ( FCRA ), to which I am fully protected under the law. Given the harm caused by these inaccuracies, I demand that the accounts be immediately deleted from my consumer credit report. You are required to mail me a corrected version of my consumer credit report without these fraudulent accounts. Failure to comply with this request will leave me with no choice but to take legal action against Experian under 15 USC 1681 ( e ) ( b ) for the harm and injury caused. This is your final opportunity to rectify this situation before further legal measures are pursued. I expect to see this matter resolved within the timeframe specified by law, and I will be monitoring my credit report closely to ensure compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am aVICTIMof off base/strange/invalid/obsolete as well as conceivably even false deception, within my Transunion credit report file. This condemning of themis-announcing/mis-informationaffidavit is to declare my direction that you, asregulated, produce physically countersferfederal laws of my debates or acknowledge and encourage my solicitation that you either erase/or obstruct at any rate the accompanying unsubstantiated/yet-avowed/obsolete/distorted/consolidated/unrecognized/and additionally fake data from my credit record. I request to be persuaded ( as ordered ) that you can sufficiently confirm in imperative correctly how the falsehood come to occur if even by any stretch of the imagination, with my insight AND approval recorded as a hard copy of any individual/people/or substances that may be certainly mindful or even that I genuinely got any cash, products, or administrations because of the contested deception ofINACCURATE MISINFORMATION/UNVERIFIABLE and INVALID INFORMATION/POSSIBLY FRAUDULENT data or potentially even conceivable of Identity Theft thus myutilzationof this controlled Identity Victim 's Complaint and Affidavit
Product: Credit card or prepaid card

American Express harassed me at all of my known addresses for over two years. I applied for their business charge card and i still haven't received it. I believe that would be the proper restitution for their crime.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer Financial Protection Bureau XX/XX/XXXX Re : Removal of Incorrect Items from Credit Report ( XXXX, Equifax, XXXX ) ( More than 30 days have passed ) To Whom It May Concern : On ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), I've sent requests to investigate incorrect items which were listed in my credit history reports with XXXX, Equifax, XXXX. 

1. The information is inaccurate please remove it. 
BankruptcyXXXX Case Number : XXXX Please remove it from my credit report. 


I've also informed/stated that The Fair Credit Reporting Act requires that a reinvestigation of my request within 30 days. It has now been more than 30 days and no removal/response received to date. 

I'm not sure as to why I have not received a reply. It's possibly due to inability to accurately verify the information. I would greatly appreciate your assisting me with removal of this incorrect information. I also request once the matter is corrected, I'm sent an updated copy of my credit history report. I also request notices of corrections to be sent to anyone who received my credit report in the past six months. 



Thank you for your time and help in this matter. 

Sincerely yours,
Product: Credit reporting or other personal consumer reports

In accordance with Fair credit reporting act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX  ( XXXX accounts total ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX. US DEPT OF EDUCATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 15 USC 1681 section 602a. States that I have the right to privacy.


15 USD 1681 section 604a section 2 States and consumer reporting agency can not furnish an account without my written instruction. 15 USC 1681 c ( a ) ( 5 ) 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 antidotes the report by more than seve years.

15 USC 1681 s-2 ( A ) ( 1 ) states that a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.
Product: Mortgage

NVR Mortgage at XXXX XXXX in XXXX North Carolina, the company are holding the keys to my home. The closing has been recorded, the money has been wired and they are refusing to answer my calls. XXXX in the office stated I just dont want to have nothing to do with this they are holding the keys because of my color. They have showed complete racism toward me. They purposely made this experience difficult for me. I have documentation to prove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see the attached documents to understand what had happened. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Credit limit {$2200.00} past due amount {$2500.00} XXXX CARD has committed Securities Fraud against me and has take Securities against on me without my consent. XXXX XXXX has stolen my Identity and taken Securities against my name.
Product: Checking or savings account

I made a purchase on XXXX XXXX. They misrepresented what they sold me. I was sold an item as new. What came was not. When I tried to make a return with XXXX XXXX, they would not comply or work with me. After 2 weeks of run around, I filled a charge back with my bank. Since I can not contact XXXX XXXX  but my bank can, I requested they get me a return label so that I may make XXXX XXXX whole again. Two times now, the representative taking my report is appalled while taking my report, yet two times now the investigation is awarded in XXXX XXXXXXXX favor. The reason being that I still have their merchandise. I still have it because they wont tell me where to return it, or provide me a return label. My bank who is supposed to protect my money is agreeing that its ok that as long as I dont know where to return the misrepresented item, then they are correct in how the transaction is being conducted. This is beyond unjust.
Product: Checking or savings account

The CFPB ordered Navy Federal Credit Union to pay more than {$80.00} XXXX to reimburse members and a {$15.00} XXXX penalty to the CFPB 's. 

I was charged those fees and request a refund
Product: Checking or savings account

I am writing to file a complaint against navy federal credit union regarding multiple overdraft fees i have incurred. Despite having insufficient funds when transactions were authorized. I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB finding Against navy federal credit for similar practices, which transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

I received my credit reports, and after carefully reviewing them, I discovered inaccuracies that I would want to have investigated into. In order to exercise my rights under 15 USC Section 1681i ( Procedures in case of disputed correctness ), I am writing this letter.

1. Reporting multiple discrepancies among bureaus and falsely stating I lived at addresses I never resided at below are the incorrect addresses that need to be removed asap. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX DE XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX. 
These Fraudulent addresses are connected to Fraudulent accounts XXXX Account # XXXX XXXX XXXX Account # XXXX I also have a few inquiries that a fraudulent and have been listed on my credit report this information is provided below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DO NO PLACE ANY EXTENDED FRAUD ALERT OR FREEZES ON ANY ACCOUNTS