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

XXXX XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX ( c ) ( c ) is a section of the Fair Debt Collection Practices Act ( FDCPA ) 12.The section ( c ) of 15 USC 1692 states that1 : If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( XXXX ) A debt collector may not be held liable in any action brought under this subchapter if the debt collector shows by a preponderance of evidence that the violation was not intentional and resulted from a bona fide error notwithstanding the maintenance of procedures reasonably adapted to avoid any such error. I know my rights and I will XXXX.
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 15 USC 1681.

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 antedate
s 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

ORIGINAL LOAN was through XXXX XXXX XXXX when I was married to my former wife. I left the house to her. I never received any documentation that the home was being foreclosed on nor received any letter about a second mortgage. My account was later closed with XXXXXXXX XXXX XXXX and then REALTIME RESOLUTIONS took over the balance. My credit report still shows owing $ $ for both companies and although they are all labeled as closed, REALTIME RESOLUTIONS keeps adding money on what I supposedly owe. There is no date of last payment and both accounts are 11 years old.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the deletion and blocking of the accounts listed below, which have been compromised due to a data breach. As per 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that all accounts listed be blocked and deleted from my credit file. 
The accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

On XX/XX/XXXX a workman compensation settlement was to be direct deposited to my account in the amount of XXXX. The law firm that sent it said it cleared on the XXXX XXXX XXXX, i however missed a number on my account, now i have been ran in circles for a month trying to locate funds. I have been giving conflicting info by multiple supervisors, i was told on XX/XX/XXXX thats the funds had been located and being sent back to my lawfirms bank.The law firm never recieved anything back, now the bank customer service is being no help told me contact irs, which i did and they have no clue what the bank is referring to.Today i was told the money went in the wrong account and has been spent. So now a month after this all began XXXX looking at eviction.money network has stolen XXXX from my family!
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Subject : Demand for Reinvestigation Pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) To Whom It May Concern, This letter serves as a formal demand for reinvestigation of the inaccuracies appearing on my credit report, as permitted under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ). I previously disputed the following item ( s ), yet Equifax failed to conduct a reasonable reinvestigation. Therefore, I am invoking my right under federal law to have these disputes properly addressed. 

The following accounts and/or inaccuracies require immediate reinvestigation : XXXX XXXX XXXX XXXXXXXX inaccuracies, name dates, balances etc. 
XXXX XXXX XXXX XXXX XXXX inaccuracies name dates balances etc. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reporting Pursuant to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), a credit reporting agency must do more than merely parrot the furnishers response. It has a duty to conduct an independent and reasonable reinvestigation. Additionally, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) established that failure to perform a proper reinvestigation under the FCRA constitutes a willful violation. Furthermore, XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) determined that credit bureaus must verify disputed data with reasonable diligence.

Under 15 U.S.C. 1681n and 15 U.S.C. 1681o, if Equifax fails to conduct a lawful reinvestigation, you may be liable for damages, including : Actual damages, Statutory damages up to {$1000.00} per violation, Punitive damages, and Attorneys fees and court costs. 
If I do not receive written confirmation that Equifax has conducted a lawful and thorough reinvestigation within 30 days, I will have no choice but to escalate this matter, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General, as well as pursuing legal action. 

I expect Equifax to comply with its statutory obligations and provide me with an updated copy of my credit report reflecting the corrections. Please send all correspondence regarding this dispute to the address listed above. 

Sincerely, [ Your Name ] [ Your Signature ]
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, I agreed for a solar company, XXXX XXXX XXXX XXXX XXXX, to install solar panels on my roof. XXXX put me in touch with Mosaic for the financing of the project in the amount of {$42000.00}. It took me until XX/XX/XXXX to finally get all of the panels installed. My electric provider ( XXXX ) notified me on XX/XX/XXXX that XXXX had not responded back to their requests for the interconnection. So I called XXXX on XX/XX/XXXX to inquire about this. They sent a person out to my house the next day to acquire some information which they said would be submitted to XXXX. Two weeks went by and XXXX contacted me again saying they had not heard anything. So I started trying to call every XXXX  phone number that I had and got no answers or callbacks. This was on XX/XX/XXXX. The next day I called XXXX and asked them what I needed to do to allow a connection to be made. They gave me a list of 3 things that needed to be submitted. So I gathered that information and emailed it to XXXX. On XX/XX/XXXX, a XXXX meter technician came to my house and installed a new electric meter which would measure power coming in from the solar panels. We threw the breaker switch for the panels and, unfortunately, nothing happened. In speaking with others about this company, they all have had the same experience. Panels installed that are not operational! I called another solar company and they were nice enough to advise me to cancel my loan financing agreement. I have had two payments already withdrawn from my account. So, I contacted Mosaic on XX/XX/XXXX and filed a complaint with them asking them to cancel our agreement. They sent me an email and said they would contact XXXX to get them to come to my house and finish the project. They also supplied a phone number for XXXX to me. I called the number for a solid week and never received an answer. I left messages but never have received any callbacks. I called Mosaic again on XX/XX/XXXX to check on the status and they said they were still awaiting a response from XXXX. I called Mosaic again today ( XX/XX/XXXX ) and they said they were still awaiting a response. I told them they would never get a response because this whole thing was a scam and I wanted this loan canceled.
Product: Credit card or prepaid card

Please I'm having issue accessing my bank of america XXXX debit card online due to the lost of phone and couldn't have access to my email and phone number for verification code. 
Card number XXXX XXXX XXXX
Product: Debt collection

To Whom It May Concern : Upon reviewing my credit report, I have identified the following account contains inaccurate information.

In accordance with the Fair Credit Reporting Act, I hereby request an investigation into these items and their subsequent removal from my credit report. I understand that it is your responsibility to verify these items with the creditor who reported them. If the creditor is unable to provide verification, please delete the information from my report. Pursuant to 15 U.S.C. Sec. 1681i ( a ), I expect this reinvestigation to be completed within 30 days of receiving this letter.

Please send me an updated copy of my credit report to the address provided above. As per the act, there should be no charge for this updated report. Additionally, I kindly request that you notify any party who has received a copy of my credit report in the past six months about the corrections made. 

Thank you for your attention and assistance in resolving this matter.
Product: Credit reporting or other personal consumer reports

Equifax refuses to remove an account they have no information on its accuracy. Rather than report correctly. they are inaccurately listing an account they have no knowledge of and they refuse to remove the account. I've been disputing this for almost a year. I am demanding with enforcement from the CFPB to remove this account after having a year of continual chaotic reporting.
Product: Mortgage

I have been trying to get a 24 month mortgage payment history from my current lender, HSBC. I have been trying to get it for over 2 months and tell me they will send it but they never do. They just send letters acknowledging my request. I am trying to refinance out of this high rate adjustable mortgage and they are prohibiting me by not providing my mortgage histories. The new fixed rate loan I am trying to get will save me over {$500.00} per month. How can they refuse to give me this information? They are keeping me in a very bad loan and causing me financial hardship. Everytime I call they say they will send it but so far I have received XXXX letters acknowledging my requests. I did get one history but it was completely ineligible and they did not send one for my XXXX mortgage as requested.
Product: Credit card

I have two credit cards with Concora Credit Inc. One is a Destiny Card and the other is a Indigo Card. I have been working diligently to build my credit and I pay the full balance of each card in full every month on or before the due date. Both cards are linked to my personal bank account and I pay online. My due date is the XXXX of each month by XX/XX/XXXX. ET on XX/XX/XXXX I made my payments for both cards in full by XXXX :XX/XX/XXXX. ET. I received confirmation of both payments on the XXXX which I attached screenshots. To my surprise my statement, which came out on the XXXX at midnight did not reflect those payments and still showed my full balance on both cards dropping my credit score XXXX points. I contacted Concora Credit and no one could explain to me what happened. They told me that I should probably make my payments two or three days before the due date to prevent this from happening again even though I've paid on the due date many times and never had an issue. They refused to resolve the matter. I don't understand how you can pay off a credit card by the cutoff of the due date and it not reflect on the statement. The agent for both cards agreed that the payment was made on time and it showed me that I would not receive any charges or interests on the balances. However my plummeting credit score is my issue.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Business Phone : XXXX Personal Phone : XXXX Email : XXXX XXXX : XXXX SSN : XXXX Place of Birth : XXXX  Driver 's License # XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Subject : Request to Update Personal Phone Number on Credit Report Dear XXXX, I am writing to request an update to my personal information on my credit report. Specifically, I would like to update my personal phone number to ensure my contact details are current. 

Old Personal Phone Number : XXXX ( now my business phone ) New Personal Phone Number : XXXX Please update my credit file with this new personal phone number, and kindly confirm once the change has been made. 

For verification purposes, I have included a copy of my driver 's license and a recent bank statement showing my updated contact information. 

I appreciate your prompt attention to this request. Should you need any further information, feel free to reach me at either my personal or business number. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Business Phone : XXXX Personal Phone : XXXX Email : XXXX XXXX : XXXX SSN : XXXX Place of Birth : XXXX  Driver 's License # XXXX Date : XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX GA XXXX Subject : Request to Update Personal Phone Number on Credit Report Dear Equifax XXXX I am writing to request an update to my personal information on my credit report. Specifically, I would like to update my personal phone number to ensure my contact details are accurate. 

Old Personal Phone Number : XXXX ( now my business phone ) New Personal Phone Number : XXXX Please update my credit file with this new personal phone number and confirm once the change has been made. 

For verification purposes, I have included a copy of my driver 's license and a recent bank statement showing my updated contact information. 

I appreciate your prompt attention to this request. Should you need any further information, please feel free to contact me at either my personal or business number. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Business Phone : XXXX Personal Phone : XXXX Email : XXXX XXXX : XXXX SSN : XXXX Place of Birth : XXXX  Driver 's License # XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Subject : Request to Update Personal Phone Number on Credit Report Dear XXXX, I am writing to request an update to my personal information on my credit report. Specifically, I would like to update my personal phone number to ensure my contact details are accurate. 

Old Personal Phone Number : XXXX ( now my business phone ) New Personal Phone Number : XXXX Please update my credit file with this new personal phone number and confirm once the change has been made. 

For verification purposes, I have included a copy of my driver 's license and a recent bank statement showing my updated contact information. 

I appreciate your prompt attention to this request. Should you need any further information, please feel free to contact me at either my personal or business number. 

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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

To Whom It XXXX Concern XXXX XXXX XXXX XXXX XXXX, CA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXXXXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX VT XXXX TODAYS DATE : XX/XX/XXXX I HAVE MY ID ATTACHED To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX, VT XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX, PA XXXX Resident typeSingle family XXXX XXXX XXXX XXXX, VT XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX, VT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VT XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, VT XXXX - REPORTED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, VT XXXX - REPORTED XX/XX/XXXX XXXX XX/XX/XXXX THESE NAME VARIATIONS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXXXXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX VT XXXX
Product: Credit reporting or other personal consumer reports

These are Not my address need to be deleted immediately please XXXX XXXX XXXX apt XXXX north XXXX SC XXXX XXXX XXXX XXXX XXXX  SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX sc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX SC XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX
Product: Debt collection

I fought with XXXX XXXX to get this account removed from my credit files because they had reaged it. Now I know why they did, it was to sell it to a collection agency. Midland credit management inc., is trying to collect from this account. I would like to receive verification of this account, to verify the dates with my records. The account should be out of the statute of limitation as of XXXX of this year. California statuet of limitation is 4 yrs. Thank you.
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. 

Account Number Account Name # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 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 card or prepaid card

On XX/XX/XXXX, I saw that Chase had an offer online for a new Chase Sapphire Credit card. This card normally has a {$95.00} annual fee. I called Chase on XX/XX/XXXX to see when I would need to pay this fee. I was told on the phone that this fee would be payable upon renewal after the first year and that I would not need to pay the {$95.00} fee for the first year. 

Given this information, I signed up for the Chase Sapphire Credit card on XX/XX/XXXX. On XX/XX/XXXX upon receipt of the card, I was immediately charged the {$95.00} annual fee. I called Chase on XX/XX/XXXX to inquire about this fee and to recall my XX/XX/XXXX conversation. I was told that I was given the wrong information and that the customer service representative that spoke to me on XX/XX/XXXX would receive additional coaching, but that the {$95.00} fee would not be waived. I was told that upon cancellation of the card there would still be an outstanding credit inquiry which would hurt my credit score since the card was approved. I cancelled the card. 

I was given incorrect information on XX/XX/XXXX which led me to sign up for this card. Then I was told that I would have to pay a fee or suffer the consequence of a reduced credit score upon cancellation. This is misleading and speaks to Chase 's unwillingness and irresponsibility to address its own mistakes. I hope something can be done about this.
Product: Credit reporting or other personal consumer reports

The account in question was fully settled in 2020 with the understanding that it would be removed post-payment. Furthermore, the account 's charge-off was a result of financial challenges during the COVID-19 pandemic. According to the CARES Act, I am entitled to protection, and this account should not be appearing on my credit report. It is also important to note that the information being furnished is inconsistent between the 3 bureaus which is a violation of the FCRA and I can take legal action due to any hindrance your inaccurate reporting has caused me. I kindly request the removal or an update to " paid as agreed, never late '' for the following account : Capital One XXXX