23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 2 also states that a a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. I am requesting a deletion as a result of these violations.
Product: Mortgage

Dear Sir, dear Madam. 

We have been Dovenmuehle borrowers since the end of XXXX, when our previous lender was bought by Dovenmuehle and we ended up paying mortgage directly to Dovenmuelhe. 

Through XXXX and until XX/XX/XXXX, our mortgage on our XXXX, Texas residence, was of $ XXXX/month, based on Escrow Account Projection for XXXX, as presented to us by Dovenmuehle at the beginning of XXXX : Principal and Interest {$2600.00} + Required Escrow Payment {$1000.00} + Shortage/Surplus Spread {$27.00} = $ XXXX/month. 

At the beginning of XXXX, we were notified that our mortgage would increase with almost $ XXXX/month, because our Required Escrow Payment increased to {$1400.00} ( a {$360.00} increase ) and our shortage increased from $ XXXXmonth to {$51000.00} a spread for 12 months of {$6200.00}, that we apparently owed Dovenmuehle.

While the increase in the required Escrow payment increase of {$360.00} made sense, because it represents the increase in taxes and insurance, cumulatively, we asked Dovenmuehle to show what had they paid for us to justify the {$6200.00} ( or 12 month of {$51000.00} ). The explanation was that Dovenmuehle paid for us a {$2600.00} increase in the taxes, the delta between the projected taxes for XXXX ( {$8.00} ) and what was actually paid ( {$10.00} ) we agreed that we need to reimburse Dovenmuehle for this and change our tax regime with the county, as we have been overtaxed. 

However, when contacted, Dovenmuehle was not able to explain satisfactorily why the remaining amount up to {$6200.00} namely, {$3600.00} was necessary, as the future taxes and insurance were already included in our required and increased Escrow payment. They indicated that this would be a cushion for other expenses, but the taxes and insurance are already included in our increase and the actual amount they spend for us in XXXX was the {$2600.00} for insurance costs.
Product: Credit reporting or other personal consumer reports

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 XXXX XXXX XXXX XXXX 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

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 XXXX5 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: Credit reporting, credit repair services, or other personal consumer reports

Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Please remove it from my credit report. 
The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
The following account is not mine XXXX XXXX XXXX USA  Account Number : XXXX Please remove it from my credit report. 
The inquiry was not authorized XXXXDate of inquiry : XX/XX/XXXX 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 Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX XXXXXXXX XXXX XXXX XXXX XXXX MS XXXX XXXX : XX/XX/XXXX SS # : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX To Whom It May Concern : You are reporting the following collections as an OPEN ACCOUNT which is not under FCRA compliance . This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the below deletions have been removed. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX COMPLETE CREDIT SOLUTIONS XXXX XXXXXXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have disputed this account several times and have not gotten anywhere. Experian is not doing their due diligence and keep marking the dispute VERIFIED AND ACCURATE without doing their investigation. 

This is a fraudulent account and I had a total of 2 accounts that were being reported. 1 was deleted due to fraud and 1 wasn't. How did they determine 1 was fraud and 1 wasn't. Doesn't make any sense. 


XXXX & XXXX have deleted this account!! 

I've been denied credit due to this account being reported. 

Please see the supporting documentation attached. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX Account # XXXX, had violated my rights. 

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

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Checking or savings account

My card was stolen on XX/XX/12, and they used the my account to cash a fraudulent check in the amount of {$7100.00}. As well as a series of other charges. I reached out to the bank ( Wells Fargo ) to report it. They took 10 business days. shut down my account, had me calling endless times to get to reach out to resolve this. They ended up saying I was responsible for the fraud evencthough I did not do it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm applying for a mortgage and it currently showing on my credit report that my account is in dispute. However I'm not disputing anything currently so I need all disputes comments to be removed asap. I need the XXXX account dispute to be cleared and the comments removed. I'm purchasing a house so I need those disputes comments removed. Please close the disputes on my XXXXr account and remove the comments asap. the XXXX account number should be ending XXXX.
Product: Debt collection

Enhanced recovery company try to collect a debt from I sent them two certified letters for The Original purchase Agreement to show that can legally collect this alleged debt proof that the debt was assigned to them like the bill of sale an Assignment or a receipt between them and XXXX.Enhanced Recovery Company is the creditor reporting inaccurate information on my credit report.They can not provide me with these documentation I asked them to delete this account immediately as its damaging my credit rating.I have not got a response back they sent me a bill from XXXX in the mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't recognize this public record so I contacted the courts and they stated that the information I gave them didn't matched that I ever filed bankruptcy in there courts ; please provide proof from the court of this public record. I never filed bankruptcy ever in my life. This public record on my report is inaccurate and I demand that it gets deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX and # 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. 

Account # XXXX has contacted me several times, via phone, text and mail after I asked them not to. This of which I have proof of. 
Account # XXXX has contacted me several times, via phone and mail after I asked them not to. This of which I have proof of. 
Account # XXXX has contacted me several times, via phone and mail after I asked them not to. This of which I have proof of. 
Account # XXXX has contacted me several times, via phone and mail after I asked them not to. This of which I have proof of.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent account identity theft XXXX XXXX XXXX Open XX/XX/13 Amount XXXX
Product: Credit reporting or other personal consumer reports

There are XXXX hard credit inquiries on my XXXX credit report that were not made by me. They are fraudulent and need to be removed immediately. The inquiries are from " Bank of America '' on XX/XX/year> and XX/XX/year>. I have already filed complaints with both XXXX and Bank of America. Bank of America has acknowledged that there are inquiries reporting on my file that are fraudulent and will be removed, however in both the letters I received from Bank of America, they did not acknowledge the correct inquiries that were mentioned in the previous dispute. The letters mention " The inquiry dated XX/XX/year> '' however there are no inquiries from Bank of America reporting on my file from XX/XX/year>. The fraudulent inquiries were made on XX/XX/year> and XX/XX/year>. These are the inquiries that are being disputed and they both need to be removed immediately. I have never applied for any credit cards with Bank of America, nor have I ever given them consent in any way to do a hard pull of my credit. It has been several months of this fraudulent report being furnished and I have contacted both the Bank and the credit reporting agency. This fraudulent activity is causing severe harm to my personal life and both Bank of America and XXXX need to be held accountable for their actions.
Product: Debt collection

On XX/XX/2021 Capio Partners receive a validation letter from myself via certified mail requesting validation or a contract baring my signature in regards to a collection request from Capio Partners. However, on XXXX XXXX I received in the mail a list of medical records that they did not have authorization to access. This is a directed violation to my HIPAA rights and regulations. On these records are documentations of medications received and/or procedures done. Again, I did not authorize Capio Partners to have ANY access to my medical records. Please be advised that I am aware of my HIPAA rights/regulations and I know for a fact that this is a direct violation of my rights.
Product: Checking or savings account

I attempted to XXXX {$2500.00} to my Chase Personal Account. Unfortunately after the deposit my account did not reflect my Balance as deposited. I attempted to contact the Bank to no avail. I then attempted to deposit {$1.00}, and recieved the same results. This happend at XXXX XXXX XXXX, XXXX, NY. This happend at the ATM machine located at XXXX XXXX up ATM. This happend at around XXXX on XX/XX/XXXX, Sunday.
Product: Checking or savings account

My name is XXXX XXXX, on XX/XX/2022 I deposited a check in the amount of {$7900.00}, issued by XXXX XXXX XXXX to myself and XXXX XXXX. A few days later I attempted to use my debit card, but the transaction was declined. I called customer service and to my surprise I learned that my account had been frozen because the check I deposited hadnt been signed by XXXX XXXX. Ive spoken with several customer service agents via phone, Ive visited my local branch several times to get this matter resolved. XXXX XXXX XXXX cant stop payment on the because it has already cleared, Ive done a conference call with Capital One and XXXX XXXX XXXX, Capital One still refuses to provide a legal/ substitute copy of the check, so that XXXX XXXX  can sign off and the funds can be released. 

Ive spoke to XXXX XXXX  and the stated that it is a fairly simple process, they dont understand why Capital One is make this so difficult. 

I have been a loyal patron of Capital One bank for the last 18 years, and my hope is that one of you will assist me in this matter, and finally get it resolved. 

If you have any further questions free to contact me at XXXX. I look forward to working with you in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I disputed a fraudulent account on my Experian credit report that came back with a remain result. This account has the following information : XXXX XXXX  Account number XXXX OPENED XX/XX/XXXX by a XXXX  XXXX XXXX. This account was charged off with {$1100.00} written off however showing {$420.00} past due. It shows a balance of {$1100.00}. This account also shows to be a charge off as off XXXX of XXXX. Then continues to be updated every single month as a charge off. I have attached photos to show this account in illegal reporting information. Per the law this account is not to be reported on my credit profile as it has been reported as a fraud account. This account can not be reported as a charge off more than once unless the payment status actually changes. The account shows a balance that was fully written off yet shows a past due balance. The credit reporting agency can clearly see that this information is incorrect and continues to report this account.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Report and noticed that I had a late payment on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 

I have never been late on payments for the account : XXXX  XXXX. Account Number : XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated on time as they should be as I was NEVER late. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent Transunion, XXXX, XXXX multiple letters disputing multiple inquiries that I did not approve of. I will attach three letters that I have sent transunion ask them to investigate theses inquires and it seems to me like they just give me the runaround.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've wrote through several letter attempts from XX/XX/2020-XX/XX/2020 to remove inaccurate information and accounts that are in FCRA violations. The accounts are reporting different and inaccurate Account Status, The account are reporting accounts Dispute status as : Account not disputed when the account has been disputed multiple times which, is a FCRA violation.

Several collection accounts are reporting a payment status, which is a violation. Collection accounts are closed and should not report late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

said that is pure out On XX/XX/XXXX and is returned to me that there are no longer in business But this business problem for a while they have not did a proper investigation and I would like this remove I put an opt letter to them and they did not or not in business anymore to receive the letter I would like this to remove immediately
Product: Credit reporting or other personal consumer reports

Upon review of your inaccurate and invalid response to the Consumer Financial Protection Bureau ( CFPB ), this shall serve as the final submission to the CFPB in an effort to address the aforementioned matter. Failure to rectify this issue will necessitate the initiation of arbitration proceedings against your company for proper resolution. The original contract, executed face-to-face with the finance XXXX at XXXX XXXX XXXX, XXXX XXXX XXXX of ( 60 months ), as indicated in the documentation. The contract, which you omitted from your response to the CFPB complaint, is presently in my possession and was revised subsequent to the CFPB 's litigation against XXXX XXXX XXXX. It is acknowledged that your business transactions occur through a privately-owned dealership. However, it is imperative to recognize that the dealership operates under your purview, and adherence to the provisions of the Truth in Lending Act is obligatory. Regrettably, the dealership failed to comply with these guidelines, and your attempt to obfuscate their errors via the dispatch of generic correspondence is evident. Furthermore, despite notifying the representative of the True Lending Act violation and requesting the retrieval of the vehicle, no action was taken until several days later, when I personally contacted the dealership and requested the intervention of a supervisor. Despite informing them that the vehicle was not in use, they insisted on scheduling a pickup, contrary to the stipulations of the True Lending Act. On XX/XX/2024, we dispatched documentation directly to your company along with our request. Your response, acknowledging " identity theft, '' is both erroneous and inadequate, as there has been no occurrence of identity theft. Enclosed herewith is the pertinent correspondence for your review. I hereby demand that all credit reporting activities concerning this matter be suspended until a resolution is reached either through the CFPB or via direct arbitration, per your preference. This communication shall serve as a record for future reference in the event that arbitration proceedings become necessary.
Product: Credit reporting or other personal consumer reports

TransUnion is obligated by the FCRA to report accurate accounting. Consumer had advised all the inquiries and said derogatory reported was fraud. said company had 4 days according to the LAW to remove such items. FTC Fraud report was filed on behalf of consumer, consumer is requesting XXXX to provide the documentation used to determine inquiry was indeed authorized by the consumer XXXX has 15 days to provide me with name of the person spoken to, documentation used, signed application with consumer wet ink signature. I am not asking for a E-oscar report. If XXXX does not have documentation to show these were in fact authorized it must be removed asap. Said company is liable under the SEC to follow certain rules. XXXX commission file number XXXX The XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX California XXXX XXXX XXXX is securitizing consumer data yet refuses to provide consumer a copy of their Consumer FILE not Consumer Report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has 7 hard inquiries on out XXXX, XXXX, and Equifax credit reports for an attempt to finance an auto loan. According to the FCRA, these should not all be listed as hard inquiries and are related to a single attempt to get financing. They should be removed from the report as they are impacting my credit score.