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

This is my last and final letter to your non compliant company before I file suit against all parties involved. FYI, it is a crime to threaten suit with no intention of actually filing suit, so be advised ... have every intention of following through with this to protect my rights as a consumer. 
I have sent your company many letters requesting that you investigate a list of inquiries that I believe are reporting incorrectly. Not responding to my requests is a violation of the Fair Credit Reporting Act and will not be tolerated. In case you would like to settle this matter between you and I, rather than me filing suit against your company, I will once again list the inquiries in question so that you may do as you are governed by the FCRA.DEPT OF ED Inquiry Date XX/XX/year> XXXX Inquiry Date XX/XX/year>, XXXX XXXX Inquiry Date XX/XX/year>, XXXX Inquiry Date XX/XX/year>, XXXX Inquiry Date XX/XX/year>, XXXX XXXX XXXX Inquiry Date XX/XX/year>, XXXX Inquiry Date XX/XX/year>, XXXX Inquiry Date XX/XX/year> and XXXX XXXX Inquiry Date XX/XX/year>.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccuracies on my credit report. I've noticed discrepancies that lack proper verification, casting doubt on their accuracy. As per legal requirements, I urge you to ensure all reported information meets accuracy standards. 

Under the Fair Credit Reporting Act ( FCRA ), it is your responsibility to validate each account 's accuracy and legitimacy. I request evidence for this verification process, including permissible purpose for inquiries. 

I grant a month for investigation. If unable to provide evidence of accuracy and compliance, I request updating erroneous entries to reflect timely payments. Please provide physical proof of actions taken and send an updated report. 

Specifically, the account with XXXX The account has been paid on time consistently, as per XXXX XXXX XXXX XXXX Please correct this error promptly.
Product: Debt collection

I have repeatedly tried to pay on my debt, but every time I tried to pay info was misplaced or payment was not set up properly. I also had insurance so the amount that they have for collection is not the amount that I should be charged for. I contacted the credit card people I was disconnected like they were trying to mess up my credit. Please check with the company or companies involved, you will see that I usually paid promptly or whatever I made agreements/or arrangements too.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020 I discovered that my identity had been stolen. Upon reviewing my credit report, I found that there was a charged off credit card. 

I reached out to the credit bureaus to notify them that my identity had been stolen by sending a letter, a police report, filing a complaint with the FTC, and sending a FTC affidavit to all three credit bureaus. All three denied removing the account because they claimed the account was verified by the creditor. None of them gave me an explanation as to why they would not block it nor how they came to the conclusion that it was verified. 

I reached out directly to the creditor and sent the same information letting them know that I had been a victim of identity theft and they refused to remove the account stating that it had been verified. I requested that the provide physical proof of a contract with my signature showing that the debt was mine and show me the method they used to verify the debt but the disregarded my claim. Instead they sent a letter plainly stating that the account was verified. 

Lastly, I followed up with a Notice to Furnishers of Information letting them know that they are only able to report accurate information and must remove the account if it is fraudulent. They again disregarded my claim and have continued to report the account as verified.
Product: Credit reporting or other personal consumer reports

I filed an FTC complaint ; the FTC Report Number is : XXXX I do not authorize incorrect information on my credit report. This includes but is not limited to hard inquiries. The hard inquiries that are appearing are as follows : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I called Experian at the number XXXX listed in their letter in order to temporarily lift freeze on access to my credit reports. 

I provided all the ID information about myself in order for their system to authenticate me Due to their malfunctioning voice recognition system and inadequate choices on menu, I was unable to temporarily lift freeze on access to my credit reports. 

When I requested to talk to an operator, the automated system refused to transfer me to an operator. 

When I said that I would like to temporarily lift freeze on access to my credit reports, the system ended my call.
Product: Credit reporting or other personal consumer reports

I have sent several letters in reference to the accuracy of the items reported on my report also sent copies of my proof of identity theft
Product: Debt collection

I was required by XXXX in XXXX, ME to attend an XXXX XXXX in XXXX, ME. I arrived at XXXX XXXX on XX/XX/XXXX. I was working with XXXX to do reunification ; to get back custody of my XXXX year old son. XXXX required everyone to go to regular doctor, medical, and dental appointments as part of the overall treatment and recovery plan. I incurred debts with XXXX XXXX in the amount of {$2700.00}, and the account was sent to collections on XX/XX/XXXX. XXXX was fully paying for my XXXX   costs, medications and mental health appointments ; but they were not paying for doctors visits.I was not aware of this at the time, and was blind sided when my credit score dropped to below 430. I tried to dispute it but they are relentless. I do not feel that I should be obligated to pay this debt, I was not aware of it, I was under the impression XXXX was covering these bills, it ruined my credit so that I stand NO chance of ever getting a home, they harassed me endlessly over the phone, and I suffered extreme mental stress because of this bill. I am not looking for a handout - But the whole situation was completely unfair. I have been sober for over 3 years now, regained custody of XXXX of my boys, and am happily married. This debt is literally sucking the life out of me.. I hope you are able to help!
Product: Credit reporting or other personal consumer reports

Experian, Equifax and Transunion : Formal Complaint Under the Fair Credit Reporting Act ( FCRA ) Violation of Federally Protected Consumer Rights I am writing to formally file a complaint regarding multiple violations of my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The following accounts listed on my credit report are inaccurate, unverifiable, and have been reported in violation of the FCRA : Inaccurate Accounts : Account Name : # XXXX XXXXXXXX Account Name : XXXX XXXX Account Name : XXXX XXXX Account Name : XXXX  XXXX Account Name : XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX XXXX These accounts have violated my rights to privacy, accuracy, and confidentiality under 15 U.S.C. 1681. 

Violations of the FCRA : 15 U.S.C. 1681e ( b ) : The credit reporting agencies ( Equifax, Experian, and TransUnion ) failed to follow reasonable procedures to ensure maximum possible accuracy of the information in my credit report, as required by law. 

15 U.S.C. 1681s-2 ( a ) ( 1 ) : The furnishers of information ( e.g., creditors, lenders, or collection agencies ) are prohibited from furnishing information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. The furnishers of the above accounts have violated this provision. 

15 U.S.C. 1681B ( a ) ( 1 ) : No person may furnish information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. The furnishers and credit bureaus have failed to comply with this requirement. 

Impact on My Rights : These inaccuracies have caused significant harm to my creditworthiness, resulting in : Denial of credit and loans. 

Higher interest rates on approved credit. 

Emotional distress and financial hardship. 

Require the credit bureaus and furnishers to comply with their obligations under the FCRA, including conducting proper reinvestigations and ensuring the accuracy of consumer information. 

Hold the responsible parties accountable for violating my federally protected rights. 

Supporting Documentation : I have attached the following documents to support my complaint : Copies of my credit reports highlighting the inaccurate accounts.
Product: Credit reporting or other personal consumer reports

[ XXXX A XXXX ] [ XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ] [ XXXX, XXXX  XXXX ] [ XXXX ] [ XXXX ] [ XXXX ] Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Subject : Formal Complaint and Demand for Compensation for Inaccurate Reporting Dear Equifax Compliance Department , I am writing to formally address significant inaccuracies in my credit report related to two XXXX XXXX XXXX XXXX XXXX. Despite previous attempts to rectify these issues, Equifax continues to report erroneous information that adversely affects my credit rating and violates federal and state laws. 

**Details of Misreporting : ** XXXX. **Inaccurate Account Status** : Equifax reports my XXXX XXXX as " XXXX days or more past due, '' despite both accounts being closed, verified as having a zero balance, and involved in litigation. 

XXXX. **Violation of Reporting Period** : These accounts have been reported beyond the legal seven-year limit established by the Fair Credit Reporting Act ( FCRA ), infringing on my rights as a consumer. 

**Legal Grounds for Compensation : ** - **FCRA ( 15 U.S.C. 1681n ) ** : This statute stipulates that consumers are entitled to damages when a credit reporting agency willfully fails to comply with FCRA requirements, allowing for statutory damages of up to {$1000.00} per violation.

- **FCRA Reporting Requirements** : As outlined in 15 U.S.C. 1681c, derogatory information must be removed from credit reports after seven years. Your failure to comply with this timeline constitutes a violation of my rights. 

In light of the above infractions, I demand compensation totaling ** $ XXXX : - ** {$1000.00} for each FCRA violation** ( totaling {$2000.00} ). 
- ** {$13000.00} for the ongoing emotional and financial damages** caused by these inaccuracies. 

**Resolution Sought : ** I request immediate correction of my credit report to reflect accurate information and compensation for damages incurred. Please provide acknowledgment of this complaint and a corrective action plan within XXXX days**. 

Failure to address this matter will compel me to seek further legal remedies. Thank you for your immediate attention to this. 


Sincerely, XXXX XXXX XXXX
Product: Mortgage

Round-point mortgage co included escrow account without my approved knowledge I pay my taxes on XX/XX/2022, I was paying {$920.00} as my mortgage regularly for past 8 years without any problem, Round-point mortgage did the analysis more than my mortgage payment, mean while {$1200.00} I right way I stop escrow account with Round-point mortgage they agreed to stop, because analysis over estimated by {$700.00}, I paid my taxes and insurance by myself for past 10years from the day I bought my home. They sold my mortgage to XXXX XXXX  without sending any notice Now my mortgage payment is {$2300.00} over estimated the scam analysis done by Round point. They ask to refinance they can pay for upgrade my home they were harassing me for while I told outright to stop my escrow and stop calling me for upgrade and refinance which was stress for me from Round point mortgage CS personal, My mortgage payment which I sending to XXXX XXXX goes to suspense Account I dont know what that is, I like file a complaint regarding Round point mortgage unprofessionalism, the stress strain and sleep less night emotional physical distress I go thro every day because of Round point mortgage bad customer service I was loyal customer to them past several years. They did not fix the problem instead they sold to XXXX XXXX without any notification, I was talking to Round point mortgage till XX/XX/2022 paid extra {$1300.00}. On that day they didnt mention they selling my mortgage to a different co, After I could not contact them by phone, I send letter by mail no response. I did not sign any documents with Round point mortgage for escrow I paid my taxes, for this year for last 8 years I been paying without any problems. Please fix my problem ASAP. Please reprimand Round point regarding and stop corruption and screwing customers lives. 
Round point Acc no : XXXX. 

XXXX XXXX Acc NoXXXX. 
XXXX XXXX XXXX XXXX TX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion furnished my credit report without my consent and I tried contacting them and they do not know who I am, I gave them my social name and old address, my XXXX XXXX is still showing charge offs, they took my identity and furnished a credit report without my written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX 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 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

The Department of Revenue reported the child support my late wife was awarded in my divorce for the time we were separated as back delinquent child support even though the payments were payroll deducted and I never missed one. She unfortunately passed from XXXX XX/XX/2021 and I now have my 2 minor children full time. I have been attempting to obtain a mortgage ever since. Due to the inaccurate reporting, I have been repeatedly denied a mortgage even by the VA ( I am a decorated XXXX veteran ) I went to court and the DOR agreed to have both inaccurate accounts deleted from my credit report in XX/XX/2021. As of today, XX/XX/2021, that has yet to be corrected. One of the accounts is still showing and now the payment from XX/XX/2021 showed as being in collections. Last month it did not. This black mark on my credit just will not go away. I now have an enormous amount of inquiries due to trying to get a mortage on all 3 reports because of it which is now also stopping me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I the consumer notified all 3 consumer reporting agencies ( XXXX, Equifax and XXXX ) of inaccurate and unverified information on my consumer report that was fraudulently furnished without prior consent of the consumer, confirmation # XXXX from Equifax, and confirmation # XXXX from XXXX, XXXX never sent anything in writing nor investigated pursuant to title 15 USC 1681a ( XXXX ) -investigative consumer report. The Names and Account Numbers are ( XXXX XXXX XXXX # XXXX ) -This account has INACCURATE INFORMATION on all 3 consumer reports, ( XXXX XXXX # XXXX ) -This account has INACCURATE INFORMATION on all 3 consumer reports ( DELETED ), ( XXXX XXXX XXXX XXXX ) -This account has INACCURATE INFORMATION on all 3 consumer reports ( DELETED ), and the ( US DEPARTMENT OF EDU XXXX XXXX XXXX # XXXX, # XXXX, # XXXX and # XXXX ) -All 5 accounts has INACCURATE INFORMATION on all 3 consumer reports ( 2 of 5 accounts was deleted # XXXX ). Equifax, XXXX and XXXX failed to Investigate the first 2 times witch is a violation of the FCRA because pursuant to 15 USC 1681a ( e ) the term investigative consumer report means a consumer report or portion thereof in which information on a consumer 's 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 consumer 's 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. Equifax, XXXX and XXXX failed to Investigate both times according to federal law ( FCRA ). Equifax, XXXX and XXXX haven't conducted personal interviews with my 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. Equifax, XXXX and XXXX are committing Fraud and Identity theft. The CFPB nor I the consumer can contact nor locate these fraudulent companies that Equifax, XXXX and XXXX furnished to my consumer report fraudulently. I demand all 8 accounts be deleted Immediately from all 3 consumer reporting agencies or I will file for litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under title ( 15 USC 1681n and title 15 USC 1681o ) regarding the continued willful and negligent noncompliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please find the HARD INQUIRY details listed across all 3 Credit Bureaus. 

Hard Inquiries : CAPITAL ONE Inquiry : XXXX XXXX, XXXX Institution Information : CAPITAL ONE XXXXXXXX XXXX XXXX XXXXXXXX, VA XXXX ( XXXX ) XXXX I contacted Capital One in XX/XX/XXXX regarding this inquiry following an alert via XXXX XXXX of a new inquiry made against my credit report ( s ). I contacted Capital One with the details provided by XXXX XXXX, the representative I spoke with identified that an application had been submitted using my SS #, but had been declined without a documented reason. I inquired about whether the application was submitted online, via phone or in person, as well as the provided address given during the application process without any information being able to be provided by the representative since the application was declined. I asked that this inquiry be removed, as I never submitted any application for a Captial One product in XX/XX/XXXX or prior, and that I was living abroad at the time of the application and contacting Capital One. As I understood this would be removed by Captial One across all 3 Credit Bureau. This inquiry is still showing as a HARD INQUIRY on my report.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am submitting this complaint due to the consumer reporting agency refusing to process my recent disputes, despite having received a valid and signed Power of Attorney ( POA ) document authorizing my representative to act on my behalf. They have sent a stall letter stating that they will not proceed because they " do not believe the dispute came from me. '' This claim is inaccurate and disregards the POA provided. 
As a consumer, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), and it is unlawful for the credit reporting agency to coerce me into using their online or phone dispute options instead of honoring my submitted disputes. 
I respectfully request that the consumer reporting agency process my recent disputes as previously submitted this letter should be attached to my credit file as it has been acknowledged, but ignored. 
Attached are the following supporting documents : My government issued ID and proof of address The signed power of attorney Document Please investigate this matter and take the necessary steps to ensure my disputes are processed promptly. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

I have asked this debt collector to provide real signed documentation that i dentifies me as per a promissory note signed agreement, original application, evidence that I opened this fake account, terms and conditions in truth in lending discosures. signed sales receipts?
Product: Credit reporting or other personal consumer reports

My repeated efforts to correct the fraudulent, inaccurate, and misleading information on my consumer report have been unsuccessful. These false entries have seriously disrupted my life, resulting in considerable stress and anxiety. As a victim of identity theft, I never authorized this information to be associated with my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX Acct # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose The following account listed below were paid on time. Please correct and forward to me an undated copy of my credit report. Your prompt attention in this matter is greatly appreciated