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

I have reached out to this debt collection agency twice via phone calls. I also have reached out through mail twice asking for verification of debt for XXXX account reporting to the credit bureaus. I have also sent the same formal letter requesting verification via XXXX. This notification was received even though the representative attempted to acknowledge what actually letter was forward to them. I still have not received verification in the appropriate time to date. The agency instead have continuously added and reported more interest monthly. They have also have the account listed as seriously past due when a collection account is past due by default and should not be reported as such. XXXX XXXX has also flagged my credit report numerous times within days apart on the same debt to affect my credit. In addition, although they may say theyre collecting on behave of a XXXX XXXX they still have to follow the same regulations to include HIPPA law.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Transunion on XX/XX/2023, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SSN : XXXX XXXX XXXX XXXX Dear Transunion, I am writing to dispute the following information that appears on my Transunion report from XX/XX/XXXX : XXXX XXXX XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$1600.00}. 
This account was transferred to a debt collector and I no longer owe money to this creditor but its still showing a balance due. 
I previously disputed this account stating : " I am a victim of identity theft and I never opened this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
Please reinvestigate this matter and delete or correct the disputed information as soon as possible. Thank you for your assistance. 

Account has been deleted from XXXX and XXXX
Product: Mortgage

I refinanced my home with XXXX XXXX on XX/XX/XXXX. The condition of the mortgage was : the property taxes are escrowed by the mortgage servicer. Consequently, Select portfolio servicing took over the loan from XXXX XXXX Despite my numerous calls and an email message to Select portfolio servicing, they are refusing to pay the first quarter property tax to the city of XXXX despite having amassed over XXXX in my escrow account. The tax was dues XX/XX/XXXX. Now I received a letter from the City of XXXX saying the account is past dues and there is interest assessed on the account. Select portfolio servicing must pay the first quarter taxes.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of certain accounts from my credit report as I am a victim of a recent data breach. Under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following accounts be blocked and deleted from my credit file. 
Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I HAVE FILED A COMPLANT BEFORE WITH NO RESPONE BACK currently demonstrated in the above-mentioned report andbeing seemingly deficient ofcertainty of facts, with concerns to the adequately certifiablereporting process ( es ) and or format ( XXXX ), it can NOT be assumed your claims are within theminimal criteria forlawful and or ethical reporting, even should collection rights beunaffected, if evenapplies. In appreciation of the sufficient reporting safeguards, the belownotedclaim ( XXXX ) divulged versus me are contested as not being of a sure confirmation offactsand truth much less being certifiable in its essential compliant reportingprocess ( es ) and orthe mandatory XXXX XXXX format reporting. Being divergent of theexpected reporting caliber, the below contested reputed claims probity each is in astate of peril due to multipleaspects of ailment as indicated beneath, efface fromreporting ALL ASPECTS OF NEGATIVITY immediately and permanently. In accordancewith the Fair Credit Reporting ActSection 611 ( 15 U.S.C. 1681I ) and the understood STANDARDS of acceptable lawfulCOMPLIANT REPORTING STANDARDS such as theXXXX XXXX XXXX Points of Compliance andother potentially applicable standards andor regulatory engrossments of reporting I amrendering this officially writ consumerCHECK OF COMPLIANT REPORTING andCHALLENGE versus any and all insufficientreporting and ineptitude to sufficientlydocument factual reporting verifiability ofvalidness, authenticity, accuracy, ownership ofresponsibility, completeness, and orcertifiability of the mandated compliant Procedure ofREPORTING and mandatorilyperfect complete certifiable XXXX XXXX FORMAT compliance ofreporting standard ( XXXX ). Ido not recognize the information listed below as having ever beendemonstrated tobe factual in solidity much less certified compliantly reported in themandatoryprocesses of reporting and with factual, accurate, and completely certifiedorderedformat of the XXXX XXXX COMPLIANCE STANDARD of reporting standard ( XXXX ) .PLEASEDELETE THE FOLLOWING ACCOUNT BELOW 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

XXXX XXXX XXXX XXXX XXXX XXXX, SC, XXXX XXXX XXXX5 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!!

These accounts should not be furnished on my consumer reports as they are in VIOLATION under, 15 U.S. Code 1681b -Permissible purposes of consumer reports ( a ) IN GENERAL. Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the WRITTEN INSTRUCTION consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTIY THEFT. As a consumer Im demanding the deletion of the accounts listed IMMEDIATELY! 

XXXX {$520.00} XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$230.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a loan to do renovations to my home. My credit showed the I had a serious delinquency that impacted my credit score. When I called Equifax in early XX/XX/2023, they said that there was no such statement in my file and that my credit looked OK. On XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX me an update and the statement was there that a serious delinquency was impacting my credit score. Can you help please. I have worked hard to get my credit rating improved and have no delinquencies.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Experian for their failure to adequately respond to a dispute letter that I mailed on XX/XX/2023, requesting an investigation into inaccurate items on my credit report. In my dispute letter, I outlined several items that I believe are inaccurately reported, including entries such as XXXX  XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX - XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and a bankruptcy Reference Number : XXXX. Additionally, I disputed incorrect personal information listed on my credit report. 

To assist Experian in verifying my identity and address, I included copies of my photo ID, social security card, and a recent bill with my current address. 

Despite mailing the dispute letter and providing necessary documentation, I received a response from Experian, dated XX/XX/2023, indicating that they were unable to process my request because it did not appear to have been sent directly by me or an authorized third party. This response demonstrates a failure on Experian 's part to recognize the legitimacy of my dispute and to comply with their obligations under the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, credit bureaus are obligated to conduct a reasonable reinvestigation when the completeness or accuracy of any information is disputed by the consumer. It is clear that Experian has failed to fulfill this obligation, thereby infringing upon my consumer rights.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX RE : Complaint against CitiBank and theft of funds Dated : XX/XX/2022 On XX/XX/2022, I went to see my father in law XXXX XXXX at XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, NY XXXX. I brought 2 envelopes that came into our mail box addressed to him I explained to XXXX that it was hard for me to pay the rent and bills on my own and that I was trying best to hold the apartment for him until he is stable to come home. I explained that my mom passed away last year and I can not afford to pay all the rents.these hardships caused me to go into debt. I asked XXXX if he could offset what was owed with his checks that he hasn't cashed in many years. he agreed and said he never wanted the burden on meXXXX is XXXX and has no movement in both his arms and hands. So I helped him endorse the checks to be deposited into my citi mobile deposit so I can pay the rent I immediately paid ( via mobile deposit ) XXXX rent which I was behind because I'm injured and work part time I then received my pay check the next day which together with XXXX 's check was supposed to be forwarded to XXXX 's rent. 

XXXX Bank froze my hard earned money I worked for and froze my XXXX father in laws check towards XXXX 's rentI am trying to have my father in law come back home to a stress free house and his rent paid in fullBut it appears that Citi has stolen our funds that we need to pay bills. Also, we pay the rent every month in which it is documented.There is no fraud My father in law endorse the check because of his XXXX and attempt to hold our only home we have. 

Wherefore, I hereby respectfully request you and your office to please contact Citi who refuses to be reasonable and return our funds so we can pay our rent and billsI 'm a struggling father of XXXX small children and my mom died and father in law is all I have I thank you in advance for your help and assistance regarding this serious matter before I get evicted Sincerely, XXXX XXXX and family cc : file
Product: Payday loan, title loan, personal loan, or advance loan

My wife and I were scammed by green sky LLC in the exact manner described in detail in your consent order and we want to take advantage of the remedy provisions of that order dated XX/XX/year> 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. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year> 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

In accordance with the Fair Credit Reporting Act. The following accounts are violating my rights. 

XXXX and XXXX XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX {$250.00} XXXX The XXXX XXXX XXXX  XXXX. XXXX {$700.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX. XXXX {$3100.00} 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 authorization.
Product: Credit card or prepaid card

I purchased a XXXX XXXX Watch at XXXX XXXX XXXX store in XX/XX/XXXX in XXXX for {$710.00}. The sales person sold it to me with the promise of a promotional-six months to pay with NO interest. I agreed and the credit card was approved for {$7000.00} ( with misspelled name XXXX ). I knew I would be out of town for the next month of XX/XX/XXXXso I PAID {$100.00} on the account on XX/XX/XXXX to ensure that I would have a reduced balance and no late fees or interest! The billing cycle did not acknowledge my " EARLY '' payment of {$100.00}, but wanted {$27.00}. So I paid the account in FULL by the END of XX/XX/XXXX ( or first week of XX/XX/XXXX ), but I refused to pay the LATE Fee that XXXX XXXX applied. How could I have been late when I PAID ( online ) {$100.00} in advance to ensure I would not be late? It is ridiculous and usury. I paid XXXX on XX/XX/XXXX and on XX/XX/XXXX I paid the balance of {$610.00}. They did not HONOR the agreement or their promotion. I believe the LATE fee is wrong and they refused to correct it. they told me that my EARLY payment was too early to be considered payment for XX/XX/XXXX, that is RIDICULOUS.  they are committing FRAUD.
Product: Payday loan, title loan, personal loan, or advance loan

Onemain offer a title loan and payments were made when payments stop the vehicle was sold and the account was closed. The dates were from XXXX XXXX XXXX and still reported until XX/XX/XXXX but the account was closed in XX/XX/XXXX.
Product: Debt collection

This CFPB complaint has been filed to request pursuant to FCRA code six zero five B fifteen U dot S dot C dot 168C dash 2 that you the XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint this fraudulent inaccurate and false information consists of collection accounts and dark web entries compromising my Social Security number XXXX XXXX XXXX open XX/XX/XXXX original creditors XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX original creditor is unknown account number is unknown amount {$800.00}. Cain and Weiner original creditor progressive insurance XXXX XXXX XXXX XXXX Oaks CA this account was successfully disputed with progressive insurance and yet still remains on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX XXXX  amount {$630.00} please remove the aforementioned accounts immediately this is my second attempt to rectify this situation these accounts have resulted in several fraudulent heart inquiries and fraudulent collections appearing on my consumer XXXX credit report i've attached a list of hard enquiries in question as well as copy of the consumer XXXX report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts collections or hard inquiries as reported. The aforementioned accounts collections and hard inquiries appearing on my consumer credit report maintained by you were not opened by me or made or initiated by me all of the aforementioned accounts collections and hard inquiries are the result of identity theft and fraud I have attached a copy of FTC identity theft criminal complaint as proved from the US Federal Trade Commission that all of the aforementioned consumer credit account collections and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Recently I looked at my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate : Account Name : XXXX XXXX XXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I looked at my XXXX credit report on ( XX/XX/year> ) and noticed some things are incomplete and not accurate. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 usc 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of Inaccurate or unverifiable information. 
( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate of incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the result of the reinvestigation, and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

According to 15 USC 1681s-2 they are supposed to 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

XX/XX/2022 tried to access my account online. Stated I had tried to access it to many times- then another error message displayed that said it wasnt registered. Clicked link for reset- only option was reset login info & not password. 
Reset page asked for full social Security number and full account number and full name and DOB.

On a previous request at branch to fix similar prior issue due to website stating I had not registered my account. The passcode they gave did not function.

Someone keeps unregistering my account.

There also appears to be no security for online resets. No two step authentication methods.
Product: Mortgage

Registered for HAF back in XXXX, applied in XXXX, approved for utilities, XXXX, internet and not for mortgage relief. Im in XXXX  XXXX due to no options from private lender for my arrears fro Pandemic being unemployed due to closure of my business. I need to appeal HAF there decision I am low income and my XXXX  XXXX payments are to high because of arrears being paid back. Please help me find who I should be appealing this to? The XXXX counsel did a three way call with HAF and nobody can tell us why I was denied or how to appeal this decision. Since applying my income has gone down more with my partner leaving. I did send all bankruptcy paperwork to my caseworker as requested. I would like to know why and how to appeal this!
Product: Credit card or prepaid card

I am extremely disappointed in the service Discover fraud services has provided me. I became a victim of card fraud and reported the fraud as soon as I became aware of it. After being told they would file an investigation and being reassured I would not be held liable, I started to receive calls weeks later questioning my actions in reporting the fraudulent transactions. After several calls with their fraud department and answering the same questions they had asked several times, I was told I was being held liable for the charges as they find no fraud occurred. After requesting to speak with a manager, a fraud analyst advised no investigation was conducted. I was also advised the decision was made based on fraud patterns. I was advised because notifications were sent to me advising of the charges, notifications I didn't receive, and my reporting of the charges 5 days after the fact these charges would not be considered fraudulent. I was also told since the charges were done in stores near my area and at some businesses i have visited in the past, these finds were sufficient to make their decision. I found the circumstantial evidence aspect of the investigation to be very upsetting. No one wanted to hear my side of the story. No one wanted to take the time and actually investigate the charges. Discover simply submit an inquiry to the merchants and the merchants did not respond so they turned to a probability chart and added the charges to my account. I find it upsetting that they would use my area as a probability factor of the charges being authorized. We are in a pandemic, I don't travel and I use my card often. If I lose my card, it is a high probability it will be in my area. Since there were no additional charges on the card, they found it to be strange rather than a blessing no more fraudulent charges were added. Without even hearing my side of things, past the basic questions they kept asking me, or at least advising me of how they came to their conclusion, I received a letter advising me the charges were added to my account and I need to pay for them. I don't know how Regulations work or how credit cards can get away with the advertisement of " Zero Liability '' for fraudulent charges but still charge you, but if that is not a true statement, why advertise it. Especially if the company is not going to do their due diligence in truly investigating the charges. I feel wronged and mad at the fact someone has benefited at my expense. The charges took place XX/XX/2020 {$840.00} at XXXX of XXXX XXXX, CA and XXXX XXXX # XXXX XXXX, Ca. {$110.00}.