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

XXXX XXXX XXXX XXXX XXXX. 
XXXX Tx XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
These accounts should not be furnished on my consumer report as they are in Violation!!! Under XXXX XXXXXXXX XXXX XXXXXXXX purpose of consumer reports ( a ) In General Subject to subsection ( c ) any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates. I Never gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX  XXXX XXXX credit card # : XXXX is lost/stolen and has fraudulent and unauthorized charges on the account.
Product: Mortgage

The problem Im having is with NewRez LLC mortgage company they took over my old mortgage company XXXX Mortgage In XX/XX/XXXX. NewRez LLC has been asking for proof of hazard Ins. From XXXX.to XXXX and from XXXX XXXX to present by sending me letters in the mail. I have been faxing my proof of hazard Ins .since XXXX and by scanning them to the Co. XXXX in XXXX XXXX then XXXX in XXXX XXXX and then XXXX XXXX in XX/XX/XXXX then XXXX XXXX in XXXX til the present time nobody said they received anything from me. Now Im getting escrow balance from NewRez LLC for Hazard Ins. When I have hazard Ins. For 20 yrs. on this property I never lapsed in coverage. I believe NewRez LLC forcing me to buy hazard Ins. from them. And forcing me to pay for something that I have already .Ive reached out to NewRez LLC multiple times each month since XX/XX/XXXX and this is not resolved yet no matter who I speak to from NewRez LLC
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$500.00}, {$4700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$500.00} -This is not my account. 

2. XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I was one day late on payment to XXXX on XXXX apartments for rent due to being out of the country for a last minute work trip. I had no cell service. I had never been late on payment of rent. I came back and saw a notice to vacate on my door on XX/XX/year>. The paperwork states the amount I have to pay, and that the notice was unconditional. I paid my full balance on XX/XX/year>, and then moved out on XX/XX/year>. I called the leasing office upon move out day to ask where to drop off the keys. They informed me they didn't know I was moving out, and that since I paid they rescinded the notice without notifying me. The signed noticed by XXXX XXXX states that this notice is unconditional. I had already moved into a new apartment. ( XXXX information will be attached with date of move out ) I disputed this with the original company XXXX XXXX They marked the account as paid as agreed and closed the account.
Product: Mortgage

My Mother passed on XX/XX/18 and I inherited her property via her will that had a mortgage with PNC bank. Within two weeks of her passing I sent the bank a partial payment of her mortgage and completed a modification application in XX/XX/XXXX. PNC returned the payment to me stating that I could not make a partial payment and advised me to proceed with the modification/loss mitigation application. I stated on the application that because she missed two closings due to someones negligence and lost out on a XXXX grant that the estate planned to possibly file a legal action on all parties involved and because resided in another state that I wanted to keep the property and place a tenant in the property. After five months of months of sending in extra documentation and multiple phone calls with loss mitigation and having at least five different points of contact PNC informed me that because the property was not my primary residence they had to deny my modification application, could not offer me any payment plans or loss mitigation options and subsequently filed a foreclosure notice on the property. I asked why they couldn't offer me any loss mitigation options and they informed me that FHA guidelines were extremely stringent and does not allow for modifications on non owner occupied properties whether inherited or not. I asked why wasn't my application denied within 30 to 60 days if I stated that it was not my primary residence and they told me that they did not know. This situation has caused me an extreme amount of XXXX and XXXX about my mothers property. Hopefully we can work this situation
Product: Credit reporting or other personal consumer reports

I am seeking your assistance with this incorrect account appearing on my credit report. This issue is harming my reputation, and I need your help to resolve it.
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 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$720.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance XXXX {$19000.00} XXXX XXXXXXXX Balance : {$13000.00} ( TIED UP TO OPEN ACCOUNT ) XXXX XXXXXXXX Balance : {$19000.00} XXXX XXXX Balance : {$2500.00} XXXX XXXXXXXX Balance : {$13000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$720.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$990.00}
Product: Mortgage

This loan has been is short sale approval for 6 months! We have had XXXX offers, XXXX of which have left because of the length of the process, we are about to lose the XXXX and the homeowner has lost her job again and is under much stress. XXXX XXXX XXXX. She has her agent XXXX XXXX sending this for her as she has broken English and needs assistance. We were notified of the approval of the short sale around XXXX XXXX, since then we can not get consistent communication about this short sale and three times they have requested the same information from us of which we have sent and resent and outlined the corrections to the loan officer, XXXX XXXX on which offer he should be looking at. On XXXX XXXX we sent the information below for the 3rd time! We have had no response after numerous attempts and including a cc to his supervisor : XXXX XXXX. Still no response as of XXXX XXXX, 2016. In addition we have left several voice mails since our emails have gone unanswered. Buyers have given notice today that they will resend offer XXXX XXXX due to the lack of communication and response from Wells Fargo. This home appraised for {$170000.00} and offer is for {$170000.00} with {$5000.00} in closing cost ; this should not be hard to accept! Please assist XXXX XXXX with this lender and her unfortunate circumstances.. 
XXXX XXXX XXXX Homeowner XXXX XXXX XXXX Homeowner 's Listing Real Estate Agent SEE BELOW WHICH WAS THE LAST CORRESPONDENSE SENT ON THIS : REF # XXXX XXXX XXXX XXXX XXXX XXXX NC Thank you XXXX for responding to us. We have attached the following based on what you numbered out to us in your previous email. This is the 3rd time we have sent the correct CURRENT documents and what you are apparently looking at are previous offer that no longer apply. 

1. The offer to purchase is in the amount of {$170000.00} not {$170000.00}. 
2. The HUD closing worksheet shows the correct purchase price of {$170000.00} not {$170000.00}. 
3. The attached listing agreement signed XX/XX/XXXX takes us through XX/XX/2016. 
4. The buyer is asking for concessions in the amount of {$5000.00} not {$4500.00}. We understand if there is a cut off of allowable seller concession costs but just need to know for sure the correct amount to advise the buyer. 
5. The fully signed and initialed offer to purchase is attached as well and is n't missing any seller initials. 

How fast can we get a response that you have received these and looked through them and see what we have laid out above is correct? 

Also, can you explain to us what LOW NET means.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX XXXXXXXX Account XXXX XXXXXXXX I challenged the accuracy, compliance and reportability of this listing. Please validate this information XXXX XXXX XXXX and XXXX XXXX and ask them to provide me with copies of the original contract and validation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally requested that this information be immediately deleted from the credit file they maintain under my Social Security number. 

I requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I further reminded that they may be liable for your willful non- compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C . 1681S-2 ].
Product: Credit reporting or other personal consumer reports

Dear XXXX, I am writing to formally address an unauthorized inquiry from Discover Financial Services that appears on my consumer credit report, dated XX/XX/year>. I have no account or agreement with your institution, nor have I authorized this inquiry. This lack of permissible purpose constitutes a clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, which requires that access to a consumers credit report must be based on a permissible purpose.

Violation of Federal Consumer Protection Laws Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b Access to a consumer report is only lawful under specific conditions, such as : A transaction initiated by the consumer. 
Written consent provided by the consumer. 
A legitimate business need in connection with an existing account relationship. 
As none of these conditions apply in this case, the inquiry on my consumer report is unlawful and a violation of my rights under the FCRA. 

Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681n This section establishes that willful violations of the FCRA, including unauthorized access to a consumer report, subject violators to : Statutory damages of up to {$1000.00} per violation.

Punitive damages as determined by a court.

Payment of reasonable attorney fees and costs.

Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i I have the right to dispute any inaccuracies on my consumer report, and Discover Financial Services is obligated to conduct a reasonable and thorough investigation.

Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e Any false, deceptive, or misleading representations in connection with accessing a consumers credit report, such as an unjustified inquiry, are prohibited under this law.

Resolution Demanded To resolve this matter without escalation, I require the following actions : Provide documentation justifying the inquiry, including any written authorization or evidence of a permissible purpose. 
Remove the inquiry from my consumer report immediately if such evidence can not be produced. 
Compensate me {$1000.00} for this violation of my consumer rights, as allowed under the FCRA. 
Notice of Intent to Litigate Since I have no agreement with Discover Financial Services, arbitration is not applicable in this matter. Should this issue remain unresolved, I will pursue legal remedies in federal court, where this case will become a matter of public record. Proceeding to court will incur significantly greater costs to your company, including legal fees, reputational harm, and damages, far exceeding the {$1000.00} I am requesting to settle this matter amicably. 

I have all necessary exhibits to substantiate my claim and will rely on these should litigation become necessary. I trust that you understand the potential implications of this violation and will take immediate action to resolve it.
Product: Money transfer, virtual currency, or money service

Zelle problems if money sent to wrong person you don't get it back
Product: Debt collection

If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

according to 15 US U.S code 1681c-2. This is my statement that all of the listed accounts have been reported without expressed written consent, and therefore is a result of identity theft, and must be removed. These accounts are not related to any transactions made by me the consumer. fraudulent accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 stating I never gave them written consent to furnish my information to obtain my information.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to request that the Consumer Financial Protection Bureau ( CFPB ) take action to have an unauthorized hard inquiry removed from my credit report. On XXXX XXXX & XX/XX/year>, I was the victim of duplicate hard inquires from XXXX Bank XXXX This inquiry was pulled not once, but twice, without my consent or knowledge. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, it is unlawful to obtain a consumer 's credit report without a permissible purpose. Furthermore, Regulation V of the FCRA, 12 C.F.R. 1022.40 ( a ) ( 1 ), states that a consumer reporting agency ( CRA ) may not include any information in the file of a consumer if the CRA knows or has reasonable cause to believe that the information is incomplete or inaccurate.
Product: Student loan

In my personal experience, I have repeatedly reached out to Advantage regarding my bankruptcy. I have contacted them XXXX times, each time providing documentation from the court system that demonstrates the complete discharge of my debt. I have inquired about the documentation they have received, but the company has been unable to provide me with access to it. Each time I call, I receive a different response, and blame is often attributed to someone else. My loans are now past due, and I have not been approved for an IDR plan. Furthermore, the company has been unresponsive and has displayed rudeness towards me, raising their voice and stating that they are unable to assist me.
Product: Debt collection

This collection agency claims that I owe them {$900.00} dollars, first they sent me a bill for the amount of {$65.00} dollars and told me that I had 30 days to dispute this debt. I don't owe this company any money because I do not know who they are, I sent a dispute letter to this company where I asked them to validate this debt because it looked strange to me, especially coming from a company that I know nothing about. They say that I had a balance with a company called XXXX XXXX co, I asked this company to validate the debt and to provide me any documents that they have with my signature on it or something that shows that I agreed to pay them. All they sent me is a piece of paper that shows a breakdown of how much it is they claim that I owe to them and they also sent me a bill. They never provided me a contract with my signature on it or anything.
Product: Credit reporting or other personal consumer reports

I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear  violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions. 

XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My report is showing a late payment in XX/XX/year> Im asking to fix this issue please see attachment from my reported fix it and send to the credit bureau.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX  XXXX regarding the illegal reporting of a charge-off, which is considered a certificate of indebtedness and income under IRS Publication XXXX. This erroneous reporting violates federal regulations, including the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974, causing significant financial and emotional distress. The charge-off, considered income per IRS Publication XXXX, should not be included in consumer reports, as explicitly mandated by federal regulations. 

However, XXXX XXXX  XXXX has inaccurately reported this income, breaching the FCRA and IRS guidelines. This misleading reporting not only misrepresents my financial standing but also infringes upon federal regulations designed to ensure accurate and fair reporting to consumers. The erroneous reporting persists despite my attempts to rectify this issue directly with XXXX XXXX XXXX by disputing the inaccurate information on my consumer report. This continued misreporting has substantially hindered my access to credit and financial opportunities. 

Furthermore, XXXX XXXX  XXXX XXXX actions violate several federal statutes, including : XXXX. Violation of FCRA Sections XXXX ( a ) and XXXX ( b ) : XXXX BANK XXXX 's illegal reporting of inaccurate information without my explicit consent contradicts the FCRA, impairing the efficiency of the banking system and undermining public confidence essential to its functioning. XXXX. Violation of FCRA XXXX XXXX : XXXX XXXX XXXXXXXX reported information without my consent, breaching my opt-out rights and failing to disclose clearly and conspicuously that such information could be disclosed to third parties. 

This continuous inaccurate reporting has resulted in substantial financial damages and emotional stress. Moreover, it directly contravenes federal laws to protect consumer privacy and ensure fair and accurate credit reporting. I respectfully request the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against XXXX XXXX  XXXX for their egregious violations of federal statutes. 

Additionally, I seek immediate rectification of the inaccurately reported information on my consumer report to mitigate the ongoing financial and emotional distress caused by their actions. Enclosed are supporting documents detailing the inaccurate reporting and relevant federal statutes for your review and consideration. Thank you for your attention to this matter. I eagerly await your prompt response and resolution.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX 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 have redeemed the rewards from my shop your way credit card for a ereward gift card with a balance of {$20.00} on XX/XX/XXXX. The gift card consists of an email with an image of a credit card and a link to " redeem your gift card '' and no further contact information. When I click on " redeem your gift card '' the link forwards to XXXX XXXX XXXX and an error appears : " A system error has occurred. Please try again later. '' ( attached ) I reported this issue on XX/XX/XXXX and I obtained a reply on XX/XX/XXXX asking me to contact the phone number in the email they forwarded ( attached ). The email does not contain any phone number or form of contact. When I asked for a clarification the customer service sent me a duplicate of their previous email.