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

I am requesting again in regards to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these accounts and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

DEPTEDXXXX XXXXXXXX Balance Owed : {$1000.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$1700.00} XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an item on my credit report. In accordance with the Fair Credit Reporting Act ( FORA ) specifically 15 U.S.C.1681a ( b ) ( 3 ). It is the responsibility of the credit reporting agency to ensure that all information contained in the report is accurate, complete and up to date. The information is inaccurate and i request that you investigate the matter in accordance FCRA. I would appreciate it you could correct this error and provide me with an update copy of my credit report once the dispute has been resolved. Transunion investigation took place XXXX XXXX with the results of being accurate in XXXX XXXX. No description was given within XXXX days. How did you determine the results of the investigation. What current contract with my signature for the time frame reported. The date this open XX/XX/XXXX, the amount XXXX by XXXX XXXX XXXX. I had reported there was no current contract with a signature. And the staff representing the original vendor I had spoken to as for an agreement. A history of payment per the lease agreement for XXXX  months will confirm completion of the lease So there is no contractual evidence for the time beyond the original lease. 




















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Product: Mortgage

I have been on the phone numerous times with Freedom Mortgage and their " insurance '' department regarding providing proof of my HOA 's master policy and my personal XXXX coverage to avoid or reverse their increased " escrow withholdings '' in my monthly payments. No resolution to date, and my payments have gone up from {$3400.00} in XXXX 2016 to {$3600.00} since XXXX 2016. Principal, interest, and PMI payments due to Freedom Mortgage should reported be at {$2900.00}, so they are negatively impacting my credit reports.
Product: Debt collection

I sent them letter of validation on XXXX certified mail return receipt requested and never received receipt of delivery
Product: Mortgage

I am President of XXXX XXXX XXXX XXXX XXXX in XXXX MD. We closed a loan for clients, last name XXXX, on XX/XX/XXXX. A refinance it should disburse on XX/XX/XXXX. We called loandepot on XX/XX/XXXX asked where was our wire. They gave several excuses but no wire. We called and emailed starting on XX/XX/XXXX and XX/XX/XXXX but to no avail. Today is XX/XX/XXXX and we still do not have the wire. 

I can be reached at XXXX XXXX XXXX or at XXXX XXXX
Product: Credit reporting or other personal consumer reports

When the XXXX seeks civil penalties against a defendant for securities fraud, the Seventh Amendment entitles the defendant to a jury trial. 

XXXX v. XXXX, XXXX XXXX ___ ( 2024 )
Product: Credit reporting, credit repair services, or other personal consumer reports

This fraudulent account should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... I'd like the account below deleted from my file ASAP : XXXX XXXX XXXX
Product: Credit card

XX/XX/year> Subject : Complaint Against Bank of America for Fair Credit Reporting Act Violations and Discrimination Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Bank of America for their violation of the Fair Credit Reporting Act ( FCRA ), discriminatory practices, and failure to provide required documentation. 

Account Details : * Bank : XXXX XXXX XXXX * Account Number : XXXX  * Type : XXXX XXXX XXXX XXXX : * FCRA Violations : Unfairly closed my secured credit card. 
Retained security deposit. 
Failed to provide Form 1099-C.

Discriminatory Practices : Disproportionately impacted XXXX XXXX  customers. 

I have attempted to resolve this matter directly with Bank of America, but they have failed to address my concerns. I believe their actions have caused significant financial harm to me. 
I am requesting that the CFPB investigate this matter and take appropriate action against Bank of America for their violations. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I requested CPS to cease and desist calling me and they did not comply. This occurred beginning of this area. They threatened to take legal action for paying a couple days late. I was told by.CPS that my credit will be affected if it 's a day late. They have bad reviews and do not comply with state and federal laws.
Product: Debt collection

As a federally protected consumer I'm seeking proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I XXXX presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature in wet ink, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1 ) Please evidence your authorization under 15 USC 1692 ( e ) 15 USC 1692 ( f ) and USC 1692 ( g ) in this alleged matter. 2 ) What is your authorization of law for your collection of information? 3 ) What is your authorization of law for your collection of this alleged debt? 4 ) Please evidence your authorization to do business or operate in the state. 5 ) Please provide proof of the alleged debt, including specifically the alleged contract or other instrument bearing my wet signature. You have XXXX days of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter in error, and that this matter is permanently closed. Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three-primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. I can't obtain housing or employment due to the violations on my credit file. Failure to respond within 7 days of this letter will begin my small claims action against your company. I will be seeking { {$5000.00} } in damages for the following : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act After obtaining the judgment against your company, I will obtain a Writ of Execution from the Sheriffs office in your county and I will begin the process of attaching property or funds to satisfy the judgment. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX customer service representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to UPDATE or REMOVE completely from my Credit Report : XXXX XXXX BANK XXXX XXXX XXXX Balance Owed : {$1700.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance Owed : {$1700.00} XXXX XXXX XXXX Balance Owed : {$600.00}
Product: Mortgage

I recently sold my home. The buyer 's loan was through Wells Fargo. On the date escrow was to close, nothing happened. I was n't notified and my realtor was n't notified that escrow was going to be delayed for two weeks. In the mean time, my husband had taken three days off of work, we hired a moving company and we spent a lot of money we did n't have to had we been notified that the close of escrow would be delayed. For the next two weeks, we were unable to pay bills and suffered a lot of stress due to the financial pressure their lack of communication put on us. When we confronted them about it, they apologized and accepted full responsibility. They then backpedaled and said they could not discuss it with us because of confidentiality ( we wanted to discuss their lack of communication ; not the reason escrow had been delayed ). Since then, it has been like talking to a brick wall. I feel that large companies like Wells Fargo should be held liable when they fail to communicate something as important as a two week delay to escrow closing. Maybe two weeks without being paid is n't a big deal to them but it was a very big deal to us.
Product: Debt collection

I have sent affidavit DEMANDING that they Verify the debt that I allegedly owe them. They CLAIMED they did but it wasn't done properly Pursuant to 15 U.S. Code 1681a ( e ) which defines an investigative consumer report as a consumer report in which information on a consumers character, general reputation, personal characteristics, is obtained through personal interviews with neighbors, friends, etc, who may have information of any items on the consumer file which you will have to show me proof via an affidavit of fact under penalty of perjury ; I DO NOT CONSENT TO ANY AUTOMATED RESPONSE OR E-OSCAR VERIFICATION METHOD.

and if they can't, they must CLOSE the account and IMMEDIATE REMOVAL OF THE NEGATIVE REMARKS they've made against me on my credit report pursuant to THE FAIR CREDIT REPORTING ACT 15 U.S. CODE 1681 1681i.

Unauthorized Use Pursuant to 15 U.S. CODE 1602 ( p
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize the inquiries on my credit report. An I would like for them to be Deleted asap. Cause its hinging my credit and my life
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to sign into my Equifax account to manage my account freeze but every time I enter my sign in and password I receive the same message we are temporarily unable to complete this request. 
I am trying to purchase a new car and want my credit check available when I find the right vehicle.
Product: Debt collection

Company reports derogatory collection As medical debt company can not provide verifiable copy of original contract or receipt of service, Company refuses to provide debt validation as requested my XXXX has been used without my consent in the past 6 years without my knowledge credit alert on file since XX/XX/2013. SSN is not enough to prove debt validation without copy of original contract from original creditor to validate actual existent of original debt/contract. Numerous attempts for validation have not been met.
Product: Checking or savings account

I called wells Fargo today ( XX/XX/XXXX ) at XXXX because I over drafted 2 separate times even though I had over draft protection set up. I called and told her the situation and she informed me that my savings account had been turned into a checking account even though they did not communicate this with me. After i got upset she said she would see what she could do about the fees but in the end could only give me back one of the 2. They are always finding new ways to get my money and I 'm sick of it. If I 'm over drafting then i obviously do n't have {$35.00} extra to give them.
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. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX XXXX  Account XXXX Account Name : XXXX XXXX XXXX  Account XXXX has violated my rights. Or a 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 or other personal consumer reports

I am writing to address a serious matter regarding inaccuracies in my credit report that have arisen due to identity theft. Despite my previous attempts to rectify this situation, it has come to my attention that the erroneous items have not been removed as required by law. 

Under section 605b of the Fair Credit Reporting Act ( FCRA ), it is mandated that any items found to be opened due to identity theft must be promptly removed from my credit report upon receipt of an FTC fraud report. As such, I have submitted the necessary documentation to support my claim, yet the fraudulent accounts listed below remain on my credit report : These accounts were opened without my consent or knowledge, and I am adamant that they be removed from my credit report immediately. 

In accordance with the FCRA, I am giving you formal notice that if these items are not removed within the next four business days, I will be left with no choice but to pursue legal action. My intention is to resolve this matter amicably and without the need for litigation. However, I will not hesitate to involve my attorney if necessary to ensure compliance with the law.

Furthermore, if you claim that these items are 100 % accurate and verifiable, I demand that you provide me with copies of any documentation associated with these accounts that bear my signature. As I know no such documentation exists, I expect that this information will be promptly deleted from the credit file associated with my Social Security number. 

I urge you to take immediate action to address this issue and prevent further harm to my credit and financial well-being. With this, I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$520.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$3100.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$150.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$3100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$520.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax had a data breach, and waited months before making consumers aware of it. They created a bogus site to see if you were affected that is n't even on one of Equifax 's subdomains, and tried to sneak in a non-arbitration clause when signing up for their 90-day credit monitoring.
Product: Credit reporting, credit repair services, or other personal consumer reports

Approximately XX/XX/2019 I was hired with XXXX for a start date on XX/XX/19 contingent on background check. I have not been allowed to start the agreed date or notified anything about my job offer from XXXX because accurate.com provided info to XXXX of a criminal charge that was past seven years ago. 
XXXX asked was any crimes within past seven years.. I answered No which is correct Accurate.com provided XXXX with my criminal history over seven years ago, When it should have reported no record found. The info is public records that clearly states my probation ended over seven years ago. I feel they reported info to be unfair and malicious to have a negative impact where XXXX would rescinded the job offer. This company should be held liable for reporting incorrect info.
Product: Credit reporting or other personal consumer reports

I was shocked to see inaccurate accounts on my credit report this morning, and I can't figure out how they got there. I regularly check my report, and this time there were sudden discrepancies. I even refreshed my browser thinking it might be a glitch, but the accounts stayed. Im requesting a thorough review of the documents Ive submitted so that I wont have to worry about this ever again.
Product: Checking or savings account

I opened an account with a bank ( XXXX  XXXX ) in XXXX XXXX, CA in XXXX. Since it has become two different banks, and is now Pacific Western Bank. I keep this account as a " rainy day fund '' to cover expenses in the event of an emergency. Due to the age of the account, I have never had access to online banking, and since I do not live in the area to go into the branch, can not set this up. It is not possible to set up remotely, and I now live out of California. I only have my monthly statements and checks. Two years ago I received a statement which indicated that my funds were about {$2500.00} lower than they should have been, and below their " free account '' setting, so that I was now accruing monthly charges. When I called the bank, they said their system had erroneously mistaken my account with one that was one digit away from mine, and withdrawn the funds from mine instead. While it automatically caught it on the part of the check writer, it did not automatically correct on my end. It was a total hassle, and they did not ever refund the fees assessed to my account for the months of a low balance. They told me it happens all the time, and it was my job to monitor my account. 

In XXXX of XXXX, this happened again. I moved, and while my mail was updated, somehow these statements were not forwarded and I went months without receiving a statement. When I finally got one, I was shocked and called the bank. They said that once again my account had been erroneously charged instead of the one that was one digit off due to a check. When I finally reached a person I was told there were no notes and in fact they do not record individual notes on accounts. I was told this was my fault for not checking my account, that this happens all the time, and that it was not their fault. They now tell me that the other account is closed, and they have to reach this other account holder to retrieve the funds prior to putting back in my account. I have spoken to XXXX and XXXX, branch managers. 

Every time I speak with them, they remind me of how this was my responsibility and not their error. They remind me how they are " making an exception '' to even work on this account. They are not sure when the missing funds will be returned, and have no other option than to file this complaint. The check was written for {$2500.00}, and I am assessed monthly fees of {$6.00} for my account being under their critical free account determination.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 i was requesting the credit agencies to remove all fraud alerts from my consumer report i never got a response back nor fraud alert was not removed
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 

XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX XXXX Balance Owed : {$910.00} ; XXXX XXXX XXXX Balance Owed : {$9800.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$150.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Please review attached 1099C that was accepted by the IRS. Debt has been discharged & paid. PER IRS THIS IS TREATED AS INCOME, THEREFORE, IT SHOULD NOT BE REPORTED ON MY CONSUMER REPORT. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX