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

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate the listed items below. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$580.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$400.00} XXXX XXXX Balance : {$1800.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$7200.00} XXXX XXXX XXXX Balance : {$580.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 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 XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention unresolved errors on my credit reports maintained by XXXX, TransUnion, and XXXX. Despite my efforts to correct and update this information last year, the inaccuracies remain uncorrected. 

On XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, I submitted disputes and corrections to XXXX, TransUnion, and XXXX regarding inaccuracies of Incorrect Individual living man name, old addresses, incorrect information charge off bad debt and vehicle was voluntary return to Dealer and Remove inquiries. As of today, these errors continue to appear on my credit reports, harming my credit score and financial well-being. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies have a responsibility to investigate and correct inaccuracies within a reasonable period, typically 30 days. It has been over a year since I initiated the dispute process, and I have yet to see the necessary corrections. 

However, given the significant lapse of time since my initial dispute, I urge the FTC to investigate this matter and compel XXXX, TransUnion, and XXXX to take immediate action to correct my credit reports. 

I request that the CFPB take the following actions : Investigate this matter and verify the accuracy of my credit reports. 
XXXX XXXX, TransUnion, and XXXX to correct the disputed errors immediately. 
Take enforcement action, as necessary, to ensure compliance with the F CRA.

Thank you for your attention to this matter. I look forward to a prompt resolution.
Product: Debt collection

This company call repeatedly and has called my friends, neighbors and family members. I have asked them to stop. They violate privacy laws and give information they have no right to share with others. They have yet to provide me with anything in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been nearly three months since I first reached out to Experian, XXXX, and XXXX  about fraudulent activity pertaining to credit file. I have sent Experian, XXXX, and XXXX  several pieces of supporting documentation to validate my claim. I still have the same fraudulent addresses reporting on XXXX, XXXX, and Experian after I specifically sent a notarized request asking them to be removed. Several inquiries still remain on my XXXX, Experian, and XXXX   report. I submitted an report from the Federal Trade Commission which included all of the accounts in question. Experian recently sent me a response requesting that I send in a copy of my drivers license, social security card, etc for identity purpose. I was sure to include all of those documents with my initial dispute and after speaking with a representative I was informed those documents had been received which makes this letter or automated response inaccurate. My rights under the Fair Credit Reporting Act have and continue to be violated and the bureaus must be held accountable per section 605, 609, and 611. Accounts XXXX   XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX were never established or opened by me and are the direct result of identity fraud and or theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/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 an account without my written instructions 15 U.S.C. 1681c ( a ) ( 5 ) : no consumer reporting agency may make any consumer report containing any of the following items. 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 or other personal consumer reports

Based on the consumer protection law : 15 U.S. Code 1681e - Section B The following account # must be removed or updated as accurately as possible since it has discrepancies between the closing dates as well as the last payment date. 

This account also reports late payments where it is not the case, please update payments or remove from my report. 

It also shows a discrepancy in the status of charger off which is only reported in XXXX. 

See attached
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. 
The letters are stated with items and issues.

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: Checking or savings account

My account had fraudulent charges by the website XXXX XXXX  I reported it immediately because I received an email stating not enough funds. There were already charges that did go through from that website. I was told I had to wait until the charges were posted. After they were posted I called back, charges were reversed until investigation was done. Investigation is over and charges were taken back out of my account. My account had been hacked multiple times. They have issues because its not a very actively used account and the amount of fraud thats happened is ridiculous. I had my card with my the entire time. Nobody had access to my devices like my phone. Its not possible that anyone in my household could have access to my card either. If they simply looked up where the IP address was when the charges went through it would show it wasnt me. I did a XXXX search and there are many reports that capital one has many accounts who have had fraudulent charges by the XXXX XXXX  website.
Product: Mortgage

We received a letter, dated XXXX, from CMG stating that we met the requirements for removal of Private Mortgage Insurance. We then received a lette from CMG, dated XXXX stating that due to the recent cancellation of our Mortgage Insurance policy, attached to this letter is a check in the amount of {$97.00} which represents a refund of an unused premium from our MI company. On XXXX we deposited that check. On XXXX our bank reversed the deposit of {$97.00} calling it a deposited item returned. Our bank also charged us {$20.00} for a Returned Deposited Item Fee. 

We then received a letter from CMG, dated XXXX, stating that due to the recent cancellation of our Mortgage Insurance policy, attached to this letter is a check in the amount of {$41.00} which represents a refund of an unused premium from our MI company. We have not deposited that check pending the resolution of this complaint. 

We then received a letter, dated XXXX, from our bank with a detailed listing of the returned check for {$97.00} and the {$20.00} return fee charged to our account. 

On XXXX, i called CMG Customer Service and talked to XXXX. He told me that there had been a Technical Error requiring CMG to stop payment of the {$97.00} check and the subsequent reissuing of the refund check for {$41.00}. XXXX said that CMG would not refund to me the {$20.00} fee from the bank when CMG stopped payment. He suggested that I ask the bank to refund the {$20.00}.
Product: Mortgage

Last year PHH mortgage changed my Escrow amount 3 times based on false information making me supply the correct information but it took over 4 months for them to correct the amount and I over paid my taxes by XXXX dollar. I am a XXXX citizen and now they have done it again! in XX/XX/2023 my payment was XXXX and in XXXX they raised it to XXXX. They are basing this AGAIN on wrong information. I sent them the correct tax amount, I told them I over paid last year but they will not change the amount online so I can pay. I HAD to overpay my escrow or my payment will be late. CATCH XXXX! And they know it!!! You can ONLY pay the amount shown on your account online or by phone. EVEN when PHH IS WRONG! Is you send a check it never reaches your account and then they distribute the amount of the check they way they choose! So in order to keep my account in good standing, keep my mortgage current, I have to OVERPAY! This is a SCAM!!! ALL the extra money they receive from the consumers whom they do this too, over states their income statements!!! And in the end the county refunds the overpayments to the consumer. But this creates a HARDSHIP for XXXX citizens, such as myself, who do not have the extra income to be over paying anything. NO ONE that you talk to, and i usually get transferred at least 5 times and spend over an hour and a half with their agents, ever actually helps you. Nothing gets corrected and half the time they spend on the phone is " verifying '' who you are just to say they cant help and transfer you on to the next person. It is a FARCE!!!! to try and get any help from anyone at this company. I have seen all the reviews, complaints and it is Sickening that we have to be treated in this manner with a company that was NOT of our choosing.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$280.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$120.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$280.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$290.00}
Product: Checking or savings account

I had issues with my Wells Fargo account & I heard they was giving out settlement which I just hearing about & I been banking with them for 10 years I need to know If im Eligible for compensation
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$540.00} This company made it hard to make my payments. I tried and got the run around until they finally closed the account. I was told my account could not be found and was unable to pay on it. 

XXXX XXXX {$410.00} Was paid and they are reporting inaccurate information. 

XXXX XXXX account is reporting wrong information. I would like it removed! 

XXXX  XXXX XXXX. Is reporting a 60 day late and that is not correct. I want it corrected or removed XXXX XXXX Was paid and they are reporting inaccurate information. 

XXXX XXXX is reporting inaccurate information. I want this removed from my report. 


XXXX XXXX XXXX. is reporting inaccurate information. I want this removed from my report. 

XXXX XXXX XXXX is reporting inaccurate information. I want this removed from my report. 

XXXX XXXX is reporting inaccurate information. I want this removed from my report. 

XXXX/XXXX  is reporting inaccurate information. I want this removed from my report. 

XXXX XXXX XXXX Is reporting inaccurate lates on my credit report. They said they fixed it but my credit report still reflects those late payments. 

XXXX XXXX XXXX is reporting inaccurate information. I want this removed from my report. 

XXXX XXXX is reporting inaccurate information. I want this removed from my report.
Product: Debt collection

I received a collection agency debt from XXXX XXXX, stating that I owe {$140.00} to Wayfair. I requested documentation to be provided, because I didn't believe this was something I owed. 
I emailed them, asking to confirm that they will NOT send my info to the credit score agencies until they receive the documentation. They assured me IN WRITING that nothing will be reported until I they received documentation. 
I applied for mortgage and was denied because there is now a derogatory remark on my credit score... They DID send my info without confirming the debt. I believe the collection agency violated my rights This is their last email : XXXX XXXX. 

We understand your concern. We have sent a reminder to them to send over the documents to our office. While we are waiting for the documents, we place a hold on your file so no action is taken against your credit while we wait for the documents. 

We hope this information is helpful and look forward to getting you the information you need.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX have already removed this from my credit report. I have spoken directly with XXXX at XXXX XXXX on a recorded line sometime in XXXX and she herself as well as XXXX said that this is in deletion status and would get removed. I still see that Equifax has this as a collection on my credit report and would like to have it removed ASAP.
Product: Credit reporting or other personal consumer reports

As a consumer and natural person am a victim of identity theft. XXXX, XXXX, Experian have used and furnished my consumer credit report without my authorization, consent or written instruction. They allowed companies to share my nonpublic personal information without my consent and also used that information to furnish. Congress makes it clear that the consumer has a RIGHT TO PRIVACY! XXXX, XXXX, and Experian has violated my federally protected right to privacy by failing to meet the needs of congress by ensuring that they exercise their grave responsibility with respect to the confidentiality of my personal information. The Fair Credit Reporting Act was intended to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and respect to the CONSUMER 'S RIGHT TO PRIVACY! XXXX, XXXX, and Experian are in direct violation of the FCRA and the Gramm Leach Bliley Act of 1999.
Product: Credit reporting or other personal consumer reports

I do not consent to electronic communications. I request all responses be in writing through the USPS Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and FLAGSTAR BANK , N.A . XXXX
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX, Iowa XXXX Subject : Dispute of Unauthorized Hard Inquiries on My Credit Report To Whom It May Concern, I am writing to dispute several unauthorized hard inquiries on my credit report, as per my rights outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b. This section of the FCRA stipulates conditions under which consumer reporting agencies may furnish consumer reports, and I believe these hard inquiries were not conducted with my explicit permission. 

The following are the unauthorized inquiries appearing on my credit report : XXXX XXXX XXXX ( Bank ) - Date : XX/XX/XXXX XXXX XXXX XXXX ( Finance ) - Date : XX/XX/XXXXXXXX XXXX XXXX  XXXX ( Finance ) - Date : XX/XX/XXXXXXXX XXXX XXXX XXXX ( Finance ) - Date : XX/XX/XXXX XXXX XXXX ( Finance ) - Date : XX/XX/XXXX XXXX XXXX XXXX ( Finance ) - Date : XX/XX/XXXX XXXX XXXX ( Finance ) - Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Finance ) - Date : XX/XX/XXXX XXXX ( Bank ) - Date : XX/XX/XXXX XXXX ( Bank ) XXXX Date : XX/XX/XXXX XXXX XXXXXXXX ( Bank ) - Date : XX/XX/XXXX I did not provide consent or initiate requests with the aforementioned entities to access or inquire about my credit report. As per the FCRA 15 U.S.C. 1681b ( f ), it is illegal to obtain someones credit report unless the request is made with the consumer 's consent or under a valid purpose as outlined under the FCRA. I neither initiated nor provided such consent. 

Furthermore, I'd like to highlight 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable investigation upon receipt of a dispute. I hereby request a thorough investigation into these inquiries. 

If these inquiries are verified as unauthorized, the FCRA mandates their immediate removal. Please ensure these entries are expunged from my credit report. 

Enclosed, please find copies of documents that validate my identity and address. I am formally requesting all proofs or permissible purposes these entities might claim to have had, if any, to perform these hard inquiries. 

I expect this issue to be resolved promptly. Non-compliance or any delay might compel me to take legal actions to ensure my rights, as provided by the FCRA, are fully upheld. 

Thank you for your immediate attention to this critical matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Public record keeps reporting falsely and inaccurate. I'm tired of disputing and getting the same result because they do not investigate as they should. I made other complaints and they go unanswered or left without update after initial response. I made a complaint with attorney general office with all the disputes and letters sent to them. Lawsuit coming for violating the FCRA law and discriminating against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Account # XXXX has violated and has discrepancy 's that need to be removed immediately from my credit report. 

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 any 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: Debt collection

They just keep calling. I don't see any debt I owe in credit reports and I am afraid of getting scammed, sued or have wages garnished for something that doesn't show as a negative on my credit report. I have not received any notice in the mail and the calls have been made for over a week span.
Product: Mortgage

XX/XX/2019 JP MORGAN CHASE XXXX XXXX XXXX XXXX OH XXXX To whom it may concern : Based on recent correspondence from Chase, I have discovered that Chase through their attorneys, XXXX XXXX XXXX, have mailed documents to addresses that do not belong to me, XXXX XXXX. These addresses belong to former attorneys that I retained in prior years. It may be true that during their representation, these attorneys asked that mail be directed to them. However, at this point in time, these attorneys do not represent me, and they are under no obligation to notify me of any hearing or legal issue. Therefore, I immediately request that you ( Chase and/or XXXX XXXX XXXX ) refrain from sending documents intended for me to other addresses. All correspondence should be properly be addressed to me at XXXX XXXX XXXX XXXX XXXX GA XXXX. 

Second, it has also been brought to my attention that Chase through their attorneys, XXXX XXXX XXXX, have been sending mail to my home for Occupant. According to a recent investigation by Chase Executives, the letter addressed to occupant contained important documents that I needed to complete in order to reside in my home after foreclosure. I am not the only person reside here, but I am on the mortgage. A document this important should have been addressed directly to me. There is no telling what has happened with this letter or even if it was delivered to my home. There continues to be an ongoing issue with the Postal Service regarding mail, which I have yet to see results. Therefore, I immediately request that you ( Chase and/or XXXX XXXX XXXX ) refrain from addressing mail as Occupant or Resident. I immediately request that all mail be properly addressed to me and bear my name, XXXX XXXX. 

Third, XXXX XXXX and I have been divorced for many years. He does not receive his mail at XXXX XXXX XXXX XXXX XXXX GA XXXX, which is where I reside. Nor does he receive mail at any of the other addresses of my former attorneys. I immediately ask that you ( Chase and/or XXXX XXXX XXXX not send any document to my home, which is intended for XXXX XXXX. I ask that you ( Chase and/or XXXX XXXX XXXX use another method, other than my home address, to communicate with Mr. XXXX. In addition, I ask that Chase refrain from providing Mr. XXXX with my personal details including but not limited to RMA application, status and etc. 

Because of how critical my situation is and the need to maintain adequate contact, I ask that Chase respond with an acknowledgment that they will adhere to all of my aforementioned requests by Friday, XX/XX/2019. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX