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

I sent letters to Equifax, XXXX and XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 36 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Product: Credit reporting 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 XXXX XXXX XXXX. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account XXXX : XXXX  XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries 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

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.l received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts : There is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Address XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

IN light of recent investigation brought upon XXXX, i find that my consumer file is being irresponsibly tampered with. Over the past 2 years I have made several attempts to remind you of your duty pursuant 15 usc 1681. it appears you're intentionally and willfully being neglectful in remedying my affairs. 15 usc 1681 e ( B ) assures that i am due, promised accuracy in my report based on federal law. I am making this complaint with the bureau consumer financial protection ( 15 U.S. Code 1693a ) as well as with the attorney general as another attempt to have these errors corrected on my consumer report. 15 USC 1681I ( A.5 ) SAYS THAT AFTER THE REINVESTIGATIONS ALL OF THE UNVERIFIED INFORMATION MUST PROMPTLY BE REMOVED. YOU CAN SEE IN YOUR SYSTEM THAT THESE ACCOUNTS WERE PREVIOUSLY DISPUTED WITHOUT BEING THOROUGHLY INVESTIGATED THUS I KNOW THAT IT CAN NOT BE VERIFIED OR VALIDATED. also, you are in violation : 15 usc 1681 ( a ) ( 4 ) - Infringed Upon a Consumers right to privacy Why is this a Violation? XXXX has no business going out and looking for negative information thats Infringed Upon a Consumers right to privacy. Second Violation 15 usc 1681b ( a ) ( 2 ) ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did XXXX XXXX have MY written instructions? Did XXXX XXXX have Permissible purpose? NO, they did not. a letter was written to the courthouse asking to provide the procedure in which they verify records information with Transunion, XXXX XXXX XXXX and XXXX third-party vendors the court replied saying they DO NOT VERIFY INFO WITH CREDIT BUREAUS OR ANY THIRD-PARTY VENDORS. before you reply to this COMPLAINT SAYING YOU VERIFIED THE INFORMATION PLEASE GIVE ME THE NAMES, ADDRESSES AND ANYONE YOU INTERVIEWED DURING THE INVESTIGATION PROCESS. IF YOU SIMPLY BOUGHT DATA IN BULK OR WENT ON A WEBSITE...... THEN YOU ARE IN VIOLATION OF 15 usc 1681a- ( e ) MAY I REMIND YOU The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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 information on a consumers 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.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am formally disputing several accounts on my credit report dated XX/XX/year>. These accounts contain derogatory, inaccurate information that has substantially harmed my credit score and financial reputation. In accordance with the doctrine of estoppel by silence as established in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I state the following : " I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. '' Disputed Accounts Negatively Impacting My Credit File I request immediate removal of the following accounts from my credit report due to lack of verification and their detrimental impact on my credit : XXXX XXXX  Account Status : Collection/Chargeoff Balance : {$15000.00} Credit Bureaus Reporting : XXXX, XXXX, Equifax Violation : Unverified debt with derogatory status affecting my credit score. 
XXXX Account Status : Collection/Chargeoff Balance : {$110.00} Credit Bureau Reporting : XXXX XXXX XXXX Reported as a charged-off debt, affecting my credit without verification of debt legitimacy. 
XXXX XXXX  Account Status : Collection/Chargeoff Balance : {$1600.00} Credit Bureaus Reporting : XXXX, XXXX, Equifax Violation : Account reported as charged-off, harming my credit rating without proof of validity. 
Request for Immediate Removal and Notice of Intent to Sue The inclusion of these derogatory accounts without verification constitutes willful and negligent reporting, damaging my credit score and reputation. I request the immediate removal of these accounts from my credit report. If these items are not promptly deleted, I intend to pursue legal action for defamation of character due to the unsubstantiated and harmful reporting of these alleged debts. 

Please confirm in writing within 30 days that these items have been removed. Failure to act will result in a complaint filed with the Consumer Financial Protection Bureau ( CFPB ) and further action in court. 

Thank you for your immediate attention to this matter.
Product: Mortgage

On XX/XX/2019 2 automatic payments were issued to this lender. Once I checked my checking account I notified the lender to please return one of the payments back to my account. I was told that I had to wait for the check to be cleared by Federal Reserve. After waiting 2 weeks were then told to get a statement from my XXXX XXXX. After that I waited and then told it was being handled. It made no sense that the check we asked to be returned was not treated the same as the check that was applied as the XXXX payment. Bothe checks came from the same account. If the 2nd check was such a difficult item to process why not reverse the payment send that money back to me and apply the 2nd check as the payment. 
No where was it indicated nor did I authorize a principle reduction payment. This company held onto my funds intentionally. 

On XX/XX/XXXX I finally received a check in the regular mail in the amount of {$480000.00}. 
The payment amount submitted was {$4800.00}. The {$4800.00} should have remained in my account and accrued interest at 2 % for the 19 days it was erroneously held by this lender in their bank. I am demanding the return of my entire payment that was deducted from my checking account and the interest lost on my money ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX NA Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

A few months a dispute was place on inaccurate information stating I was 30 days late and it was corrected that I was not late but the status still reflects that its in a Dispute Status/ Reinvestigation in Progress.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove 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. XXXX XXXX XXXX XXXX  XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX Balance : {$1100.00} XXXX  XXXX XXXX : $ XXXX XXXX  XXXX Balance : {$37.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I have requested validation, that is competent evidence bearing my signature and have been largely ignored.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I attempted to sign up on yelloh.com for a grocery home delivery service, presumably payable by paypal or debit card like other grocery deliveries. I did not sign up for any sort of credit account or credit card. To the best of my knowledge and recollection, I had never before signed up for an account with yelloh.com. 

I was therefore shocked and alarmed to be presented with this " identity verification '' screen that asked several questions that are of the type I have only seen previously when accessing my credit reports online. However, it baffles me that this information is so outdated as to be irrelevant, more than XXXX XXXX XXXX and should not be appearing on any credit report, and even more confusing as to why a common online retailer, with which I have no credit or other business relationship, has access to this information. 

I believe that this company is engaged in intentional identity theft, and has committed fraud in accessing my credit reports without any permissible purpose. 

Why does a cash for goods or services online retailer, or anybody, need to know the house number or street where I lived when I was XXXX XXXX XXXX? Why is any credit reporting agency sharing this information, and by what means, and which credit reporting agency is doing this? 

On XX/XX/2023 I called the yelloh customer service phone number, and spoke to a representative named " XXXX '' and requested a copy of my signed consent for them to access my credit reports -- any credit report -- and I asked for the name of the credit reporting agency they had accessed. XXXX stated that she didn't know, didn't know the name of any supervisor at her company, didn't know the phone number of any XXXX relations, and " would have someone call me back '' in XXXX or 3 days. I find this entirely unacceptable. XXXX also had my physical address and other personal information, even though I hadn't given it to her, I have no idea who XXXX is, who else she is sharing my information with, and the invasive creep factor of this company is almost palpable. 

I was denied shopping at an online retailer based on information contained my credit report, even though I had not applied for any form of credit whatsoever, and intended and expected to pay cash or debit for the purchase. 

This is a demand for yelloh to immediately release to me of any signed copy of any consent to access my credit report, and define their permissible purpose for doing so, and the name of the credit report agency which furnished this information.
Product: Debt collection

A representative from Capital Asset Recovery DBA Jacobson & Wright left me voicemails claiming that the original loan company was threatening to take legal action against me. I confirmed with the original loan company that this was not true, then contacted Capital Asset Recovery again where their representative proceeded to state all my personal information including my full social security number and date of birth without confirming who he was speaking to. He again stated that the loan company was ready to move forward with legal action and when I asked for evidence of this as well as evidence of my debt owed, he became belligerent and threatened to hang up the phone and proceed with a civil lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX are reporting incorrectly a ( XXXX0 ) day late on the XXXX XXXX XXXX account number XXXX. ( Please see page 2 of my credit report attached. ) I normally receive a paper statement each month on this account delivered by US mail. I never received a statement. When I realized I never received this bill, I immediately paid it. The payment was made on time, however  XXXX XXXX XXXX did not apply this payment in a timely manner. They have now zinged me with a late payment. This incorrect reporting is harming my credit score and this late needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent accounts are appearing on my Experian credit file. I have file identity theft report to make bureaus aware of this incident. I was told by Supervisor Mr. XXXX in the fraud department with Experian, if I file FTC identity theft report. The accounts in question would be blocked. I have taken the liberty to do just that. However, the following account contain in this complaint still remains on my credit file. I have been unable to obtain credit due to someone using my identity to cause me harm. Please assist me CFPB in resolving this matter. I became aware of this incident when applying for a mortgage. Thanks for your time and attention in regards to this matter.
Product: Credit reporting or other personal consumer reports

I was approved for the disaster relief program for which I applied in XXXX of 2024. During the duration of this no late payments were to be reported to the credit bureaus. Upon checking I saw that Wells Fargo did report late payments for the months of XXXX, XXXX, XXXX and XXXX. I've contacted Wells Fargo in several occasions to have this incorrect information deleted and haven't obtained any answers or results.
Product: Mortgage

Mortgage with XXXX XXXX for {$570.00} k Int at 8.95 %. XXXX suffered hardship of a divorce and asked for a Modification sent complete package. XXXX kept asking for the same documents over and over and it was denied. Called XXXX and I was told not to make payments for them to help me. Insurance was placed and was charged two times one for {$3400.00} dlls XX/XX/XXXX and the following month {$1600.00} XX/XX/XXXX. on XX/XX/XXXX rec. The cost on insurance {$1000.00}. On XX/XX/XXXX had insurance placed again for {$3400.00} dlls. Now my balance was $ XXXX with all the int and over charging of insurance {$7500.00} dlls. XXXX kept loosing documentation and I kept sending it back to them. On XX/XX/XXXX received notice of default letter. Loan was sold to XXXX XXXXXXXX XXXX on XX/XX/XXXX. I kept sending the same package for a modification. 
on XX/XX/XXXX Modification was denied. Sent them another package for modification and it was denied again XX/XX/XXXX. Now XXXX XXXX  XXXX kept adding charges to my account and insurance was placed XX/XX/XXXX at {$4400.00}, overcharged {$3000.00} dlls. On XX/XX/XXXX insurance was placed again {$2500.00}, over charged {$1500.00} dlls. On XX/XX/XXXX Insurance was placed again {$5900.00} dlls, over charged XXXX dlls on XX/XX/XXXX trustee sale recorded balance $ XXXX. House was sold for $ XXXX XXXX. I filed for Bankruptcy the same day and sale was rescinded. Loan transfer to XXXX XXXX XX/XX/XXXX. I Kept sending complete packages for modification. Again denied on XXXX. On XX/XX/XXXX XXXX XXXX approved Modification with a Loan Balance of $ XXXX and received a letter that all late charges would be waived. There were no charges waived. The Banks kept loosing my paperwork purposely to be overcharged.My Loan was modified to {$2400.00} XXXX dlls per month 2 % int. I would like help on lowering my Principle. As you can see I have been overcharged on placement insurance, and many extra fees that I was over charged for not approving me and string me along to charge all the fees. It took 6 years to approve the modification unbelievable, And I have documentation to support everything. The Value of my home at this time is around $ 750K. The loan is underwater and it has been for 4 years. I called the new servicer SPS asking for the accounting of my loan since it originated. It took about 5 calls and finally they sent one. It can not be read I called them to explain the ledger form it was sent and I was told someone will call me back to explain. I need help on lowering my principal.
Product: Debt collection

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account 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 instruction
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  listed three key factors that adversely affected my credit score ;  two of them were : Proportion of balances to credit limits is too high Amount owed on accounts is too high These are false. My combined credit limits ( on two cards ) is over {$32000.00}. On XX/XX/XXXX, when the credit report was run, their balances were XXXX. XXXX dollars, XXXX cents. For as long as I've had those cards, they have been paid off in full, on time or early. 

Experian and XXXX  listed these factors as well. 

Please advise.