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

The incorrect items was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX and TransUnion was XX/XX/XXXX,, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXXXXXX Balance : {$8100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I have a mortgage with Mr. Cooper ( formerly Nationstar ). I flooded in Hurricane Harvey, with my insurance settlement being {$190000.00} which is being held by Mr. Cooper. I have uploaded my paid receipts so far, amounting to {$67000.00} out of pocket plus another {$18000.00} paid to my contractor today. However, Mr. Cooper refuses to release more than 10 % of my loan, amounting {$37000.00}, until I have completed 50 % of my home repair ( which would amount to nearly {$100000.00} ), at which point they will release 50 % of remaining funds. They have repeatedly refused requests for interim releases of money, leaving me paralyzed with the inability to repair my property in a timely fashion. They are now requesting another inspection, with a turn-around time of at least 3 weeks, before even considering release of more money.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX ( XXXX ) XXXX amount owed : XXXX On XXXX XXXX, 2017, I called the above mentioned company in regards to a collection account being reported to the credit agencies. When I called, I got an initial representative by the name of XXXX who requested my full name, social security and my DOB. Iinformed her that I was unsure what the debt was for and that I was extremely leery about providing personal and protected information. This representative told me that if I verified my DOB and last 4 numbers of my soicial security number, she would be able to give me detailed information on the account. I provided her with my DOB and the last 4 digits of my social security number. When I then asked who the original creditor was, she refused to give me the information. She stated that she would need my full mailing address and my full social security number. I then informed her that i would not provide additional information and that per her previous statement, I needed her to tell me who the creditor was. She refused. I then requested to speak to a supervisor. She then transferred to XXXX XXXX, who hung up on me after being on hold for 5 minutes. I called back and requested to talk to him directly. When he got on the phone, explained that i obtained the information from the credit agency and that according to what is being reported this account does not belong to me. He explained that I needed to verify my identity by providing all of my personal information. I then explained to him what XXXX had explained to me, that I had provided information and that she then refused to give me details on the account unless I disclosed more information. XXXX XXXX then said that he was like my banking institution and just like I provide them all of my personal protected information I needed to provide it to him. I told him that he was not my banking institution and that when I call the bank, they only ask for XXXX identifiers. He then said that unless I verified all the information he would not assist me and that when he calls his bank he provides them his name, SSN, DOB, address, phone number. I told him that he was not my banking institution, that I was being reported to the credit agencies erroneously and that he needed to provide me with information about the account before I gave him additional information. He said that he did n't care that he was not the bank and he was not helping and hung up the call. I then attempted to call back and I was transferred again and XXXX XXXX hung up on me again. I then called back and informed the receptionist to informed XXXX XXXX that I would be reporting him to the FTC Consumer Financial Protection Bureau and the the state Attorney General office.
Product: Debt collection

The called me about an inexistent debt which is dated seven years back. According to a collection agency demand, in XX/XX/XXXX and XX/XX/XXXX, I provided all the necessary docs that prove that this is not a correct claim and they stopped calling. I also notified all credit agencies and the credit scoring services and the note was removed from my credit score after the documents were reviewed. Now I'm receiving calls again from other people saying that they are a different agency called Dynamic Recovery Solutions and started harrasing again. I got a call Saturday evening around XXXX, and two calls on Monday morning XXXX. I explained to them that I have sent or relveant information already to the previous callers and the credit agancies but they ignored me. They kept asking me to verify my address telling that there is a pending unpaid debt. When is this going to stop?
Product: Credit reporting or other personal consumer reports

I pulled my credit report via Experian recently and noticed that Experian has made approximately 219 soft inquiries from XX/XX/XXXX - XX/XX/XXXX to the file. Most of these inquiries are happening on a daily basis, I haven't given Experian permission to do this. I can only suspect that Experian is doing this illegally for a third party which doesn't have legal support for this invasion of privacy. I have previously had the City of XXXX XXXX XXXX and the State of Washington removed from criminal history on a background check furnished to my employer, because I found evidenced that proved that both of these gov entities were filing fraudulent FTA Warrants to invade my privacy ( after it was documented that I showed up to court and was refused a trial ). I suspect that Experian is invading my privacy for these two agencies in violation of Federal law, it would be my pleasure to provide Experian with the evidence of this federal crime should they admit that these are the third parties they are working for. There is no permissible purpose to inquire on someone's credit over 219 times, and pretty much on a daily basis. What should be looked at is City and State employee 's abusing their perceived authority in order to strip someone else of their freedom.
Product: Credit reporting or other personal consumer reports

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

Account name Account Number XXXX XXXX XXXX XXXX account. {$1600.00} past due as of XX/XX/year> XXXX XXXX XXXX. {$930.00} past due as of XX/XX/year>. 
XXXX  XXXX XXXX Account charged off. {$1600.00} written off. {$1600.00} past due as of XX/XX/year>. 
XXXX  XXXX XXXX Account charged off. {$2400.00} written off. {$2400.00} past due as of XX/XX/year>. 
XXXX  XXXX XXXX Account charged off. {$1800.00} written off. {$1800.00} past due as of XX/XX/year>. 
XXXX XXXX XXXX XXXX Collection account. {$5100.00} past due as of XX/XX/year>. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may n treat a payment on a credit card 366 account under an open end consumer credit plan as late for 15 U.S. Code 1681c Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. 
( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 


PLEASE REMOVE ALL FRAUDULENT ACCOUNTS IMMEDIATELY. PLEASE DELETE INACCURATE INFORMATION, REMOVE ALL CLOSED WRITTEN OFF CHARGED OFF ACCOUNTS FROM MY CREDIT REPORT. PLEASE REMOVE ALL LATE PAYMENTS AS THIS IS A BREACH OF MY RIGHTS AND DEFAMATION OF MY CHARACTER AND A VIOLATION OF MY FEDERALLY PROTECTED CONSUMER RIGHTS!!
Product: Credit card

I wrote a convenience check which posted in my account on XXXX/XXXX/2016 and the credit card company posted the charge twice. I have contacted them 4 times and they admit that it is the same check and should be subtracted but nothing has been done. It is still charged to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items that have been reported on my credit report, as allowed under the Fair Credit Reporting Act ( FCRA ). I have noticed that there are several inquiries on my report that I do not remember authorizing. Given that these inquiries might be fraudulent, I would like them to be removed from my credit report immediately, as allowed by the FCRA. 

The following are the details of the inquiries that I wish to dispute : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX As per the FCRA, I have the right to dispute any inaccurate or incomplete information on my credit report, and to have it corrected or removed. I do not recall authorizing any of these inquiries, and I believe they may be fraudulent. Therefore, I am requesting that they be removed from my credit report as soon as possible, as allowed by the FCRA.

I understand that the information on my credit report is important for lenders and creditors to evaluate my creditworthiness, but I am confident that the removal of these inquiries will not impact my credit score in any significant way.

Thank you for your attention to this matter. Please let me know if you require any further information or documentation to assist in the removal of these inquiries from my credit report, as allowed by the FCRA. 

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

I'm XXXX XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX  Balance Owed : {$28000.00} XXXX XXXX XXXX Balance Owed : $ {$0.00}
Product: Checking or savings account

On XX/XX/ I woke up to {$110.00} missing from my Cash App account. There were no current transactions for this amount. I contacted CashApp to ask where my money went and informed them this is the same exact thing thats happened to me before. They said it was for a XXXX transaction XX/XX/ for {$44.00}, a XXXX order {$43.00} on XX/XX/ and a XXXXXXXX XXXX order for {$25.00} on XX/XX/. They are claiming the transactions in XXXX and XXXX were not completed and the money was never take from my account. However, the money was taken from my account. I also made multiple other transactions around that time. The rep I spoke to said that Cash App was dealing with a clerical error in XXXX and XXXX that they notified NOBODY about. Stating the funds were put back into peoples accounts. I informed the rep that none of these funds were returned to me and was deducted at the time of transaction. I also explained that as a company that big, why was none of the consumers informed about this. Because here it is XXXX and money is just magically disappearing from my account. No explanation or anything. How do I know about the clerical error. I dont know whether thats factual or not. And even then, we should have been notified so we could pay attention to funds being taken out of our accounts. The money being taken doesnt show up in our recent transactions. It just disappeared. I took a screenshot showing my transactions were completed at the time of purchase and requested a statement showing these funds being put back into my account. I also asked to speak to a supervisor. I was hung up on, I spoke to two other reps that claimed I can not speak to a manager or supervisor. At this point, I dont trust Cash App and I believe they are stealing peoples money. They cant provide any proof of the funds being sent back to our accounts, they cant issue any proof of a clerical error. Nothing. Just money being taken. Why is money being taken in XXXX for something I had no knowledge about and never got funds back for?!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently looked at my credit report and see some violations on an account reporting to all three bureaus, Now, i did submit disputes last week to Equifax and XXXX showing that this account was Verified. According to the FCRA everything has to be 100 % accurate across the 3 Bureaus. The account that I'm referring to is to XXXXXXXX XXXX XXXX # XXXX. I'm Disputing the date last active so, like i said everything has to be 100 % correct across the 3 Bureaus and if not its a Violation of the FCRA. Below ill be uploading a picture of the credit report, but its showing 3 different dates as follows for XXXX its showing XX/XX/XXXX for XXXX its showing XX/XX/XXXX and EQUIFAX is showing XX/XX/XXXX. As you can see this account has been re-aged and that's a VIOLATION of the FCRA and need to be REMOVED.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi! I have been trying to get this XXXX XXXX  Bankruptcy XXXX XXXX XXXX removed from my credit report. Someone opened a XXXX  XXXX bankruptcy in my name years ago. It was listed on Equifax. I disputed them and Equifax removed it. However XXXX and XXXX did not remove it. Also there is a car loan by the name of XXXX XXXX account number XXXX opened XXXX. This account was fraudulent opened in my name without my consent. There are numerous hard inquiries opened in my name without my consent. XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Bank XX/XX/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 

All credit reporting bureaus must be accurate with reporting on all 3 bureaus.

In Accordance with Fair Credit Act Credit Chapter 7 bankruptcy and Indy Dealer has violated my rights. 15 U.S.C. 1681 Section 602 A states I have a right to privacy. 15 U.S.C. 1681 Section 604A Section 2. It also states A consumer reporting agency can not furnish an account without my written consent, I have also attached the certified letter sent from Us Bankruptcy court stating that they don't provide information to the credit bureaus, There is no way they verify with them like the Fair Credit Act act states for them to do.
Product: Credit reporting or other personal consumer reports

JPMCB has been reporting to all 3 bureaus inaccurate payment history showing my date of default to be both XX/XX/XXXX and XX/XX/XXXX when it was actually several months prior, also this Open-Ended account was closed past the State of Alabama Code Section 6-2-37 ( XXXX ) XXXX allowance causing the balance to be incorrect as well. 

The original date of default being extended inaccuratly was intentional and set in place to supress my credit perventing me from making a home purchase.
Product: Credit reporting or other personal consumer reports

I am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is ILLEGAL ; as each consumer dispute must be addressed individually and dealt with by its particular merits. According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct. All data included in a consumer 's file must be properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and financial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. We must ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence. 

Heres the list of the questionable items : XXXX  XXXX - Account Number:XXXX Please Update all payments, all pay was made on time. 

XXXX XXXX - Account Number:XXXX I don't recall having late payments on this account.
Product: Mortgage

Our mortgage was sold to BSI Financial Services Im XX/XX/XXXX or XX/XX/XXXX. We are unclear on this. We tried to pay our XX/XX/XXXX mortgage payment to our previous servicer on XX/XX/XXXX but we were unable to, I emailed them and received no response. A few days later we received a letter saying our mortgage was sold to BSI. The letter was from our previous servicer.

We have not received a statement from BSI. We have only received a call saying we are to pay them. They are unable to provide us with a statement. We are unable to create an online account because their online portal doesnt work. We have no electronic or paper statements from BSI and they seem unwilling to supply one. Our credit report doesnt even reflect that our mortgage has been sold to BSI. It currently shows we have zero mortgage debt. BSI has been emailing me twice a day for the past week to set up autopay which I refuse to do until I see a statement.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXXDEPT OF ED Account Number : XXXX XXXXDEPT OF ED Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX t

hese accounts have violated my rights. 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 2 ; it also states that the consumer reporting agency can not furnish an account without my written instruction. I would like this agency to provide me with proof of my written consent for these accounts to be furnished. I would like to be provided with my original contract and signature, and proof within that documentation that states Im consenting for this to be furnish. If proof can not be provided within 30 days of my request ; I demand these accounts to be deleted immediately from my credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected ; I received no email, letter, or phone call and instead had to discover it via social media. 
On top of it all, they had n't used encryption for any information. Anyone who could get into their systems can view all of your personal information, rather than getting access to the data, but not being able to decrypt it.
Product: Checking or savings account

On XX/XX/2022, I received a notification from XXXX XXXX XXXX XXXX about an Account I opened with Bank of America. I was shocked and immediately called XXXX to let them know I did not opened an account with Bank of america. They directed me to contact Bank of America ( BOA ). 

The rest of my complaint is on a written statement uploaded.
Product: Credit reporting

I filed a dispute with Experian disputing, XXXX XXXX XXXX XXXX, which is showing a past due balance of {$900.00} and I filed Chapter XXXX bankruptcy including credit first which means that it 's suppose to have a {$0.00} balance and report that it is included in chapter XXXX bankruptcy, another one is XXXX which is reporting twice for {$100.00} and once for {$440.00}, and also there is a chapter XXXX bankruptcy that is reporting incorrectly, such as date and case number and amount, when I asked them how they verified they stated that they used a 3rd party data mining company when they are suppose to speak with someone to verify the information themselves, and not use a 3rd party company. I sent letters asking how the other information on my credit report was verified they sent a letter stating that they have some new information and that it will take an additional 30 days, I thought that the credit bureaus had 30 days to investigate and if they are unable to resolve in the 30 day timeframe they are suppose to remove it from the credit report and not say they have an additional 30 because the have new information. If they have the new information why do they need an additional 30 days when they can go ahead and update my credit report.