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

I acquired my credit report an extra credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i ( 5 ) After doing their investigation XXXX XXXX and Trans Union failed to send me the method the verification of these accounts from the original creditor I waited 30 days and received my investigation and noticed everything was still the same consumer reporting agencies which is XXXX XXXX and Trans Union did not modify or remove anything, The date open is not correct, they less activity is not correct on all three credit reports, date of last payment is not correct on all three credit reports Which is a violation. This is impacting me from moving forward to buying my family a house and getting funding for my business
Product: Credit reporting or other personal consumer reports

I declare that the information listed below is a result of identity theft and is fraudulent. I have never authorized, or opened the accounts listed. This information is frivolous. I request an investigation into fraudulent activities related with my SSN and personal information. Pursuant to the provisions of the Fair Credit Reporting Act ( Public Law XXXX, XXXX VI, Section XXXX ) ; Formal Request for Information : I am formally requesting the names and business addresses of each individual or entity you communicated with for verification purposes in relation to the fraudulent transactions identified in my credit report. This request aligns with my right to follow up on the information provided and to assist in this identity theft investigation. Attached is a copy of my government-issued identification and a copy of the identity theft report. I am requesting these fraudulent items removed immediately from my credit files. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Balance : {$730.00} : Date Opened : XXXX XXXX, XXXX It is unacceptable, and a violation of federal consumer protection laws, that I continue to face harassment and fictitious debts due to the unauthorized account and unauthorized inquiries. Your agency failure to delete these fraudulent entries will be direct violation of my rights under FCRA Section 605B ( 15 USC 1681c-2 ) ( a ). The FCRA requires immediate removal of fraudulent information from credit reports following a valid identity theft report, which I have provided. Such inaction is further aggravating the distress caused by this identity theft. There has been no legal proof of the marks has been provided or proven. I have reported the theft of my identity to the Federal Trade Commission ( FTC ) and have enclosed copies of the supporting documents, including the FTC XXXX XXXX XXXX XXXX XXXX documents This unauthorized reporting has negatively impacted my credit standing. I respectfully request that the FTC, FDIC, & CFPB investigate this matter and take appropriate action to ensure that the erroneous and derogatory information is removed from my credit report. I am also pursuing complaints at federal levels to address these violations.
Product: Mortgage

After multiple attempts by mail and phone requesting they pay my home insurance which is included in my escrow ( {$2600.00} current balance XX/XX/20 ) my insurer is threatening cancellation and late fees are accumulating. this is the second time this has happened in the last 7 years which took me almost three months to be reimbursed by the servicing company. I need the insurance paid, all additional charges removed, my credit record corrected if needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax states that they do not have an account for me, when they do, I am attaching reporting from XXXX XXXX, from Equifax. Equifax sent me a letter asking for copies of my social security card and driver 's license. 

Equifax had a major security breach recently, so I am not comfortable sending them copies of my identification, when they already have all my info as demonstrated by them reporting monthly on me. 

XXXX XXXX claims they are not the ones reporting and it is not their account, however, the negative report is under XXXX XXXX and the address is the same address as XXXX  retail card services. I have attached their XXXX  page as proof.
Product: Credit reporting or other personal consumer reports

I have reported that the age of my credit is incorrect. And I have not received any responses back or any resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX and XXXX  are all reporting I have two chapter XXXX bankruptcies from 2016. I only have one. The clerk that entered my bankruptcy filing forgot to include my LLC 's information on the original filing, even though it was on the paperwork. Instead of correcting the original petition, since it was the court 's error, they dismissed the original petition and then refiled the petition the following day under a new case number. I was sent a letter by the Federal Bankruptcy court, explaining this which I sent to the credit reporting agencies. They refuse to remove the original filing which is negatively impacting my credit score to this day.
Product: Debt collection

Hello, I received a notification from XXXX XXXX that new info was added to my credit reports. I looked at the info and a company named Stellar Recovery IncXXXX had placed an collection for an alleged debt of {$300.00}. This was on XXXX XXXX XXXX. I had not received a XXXX XXXX, phone contact or any other form of contact from this company. I had no opportunity to dispute or validate this alleged debt before being placed on my reports which caused an significant decrease in my credit scores.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have recently attempted to contact XXXX, Experian, and XXXX. I have not received any responses from these companies and I am under the impression that they have at least 30 days to respond to my complaints. I have accounts reporting incorrectly and unverified and I am not sure why no one has ever reached out to me in regards to my investigation requests. 

XXXX : On XX/XX/XXXX I sent a letter to XXXX asking for them to look into the incorrect accounts. I never received a response back so I sent another letter on XX/XX/XXXX. This letter was sent certified mail ( receipt number : XXXX XXXX XXXX XXXX XXXX ). I just checked and they received this letter on XX/XX/XXXX and I am yet to receive a response. 

Experian : On XX/XX/XXXX I sent a letter to Experian asking for them to look into the incorrect accounts. I never received a response back so on XX/XX/XXXX, I sent another letter stating that they never responded to my request. This letter was sent certified mail ( receipt number : XXXX XXXX XXXX XXXX XXXX ). I just checked and they received this letter on XX/XX/XXXX. Again on XX/XX/XXXX, I sent another letter via certified mail, receipt number : XXXX XXXX XXXX XXXX XXXX. This was received on XX/XX/XXXX. Out of all the letters I sent to Experian, I never received any responses back from them. 

XXXX : On XX/XX/XXXX I sent a letter to XXXX asking for them to look into the incorrect accounts. I never received a response back so I sent another letter on XX/XX/XXXX. This letter was sent certified mail ( receipt number : XXXX XXXX XXXX XXXX XXXX ). I just checked and they received this letter on XX/XX/XXXX and I am yet to receive a response.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. XXXX XXXX XXXX  the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure optionXXXX XXXX XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. Not only have they violated the Fair Credit Reporting Act, they have also violated the Privacy Act of 1974 under 5 U.S. Code 552a.
Product: Credit reporting or other personal consumer reports

I notified Equifax that I was a victim of identity theft and asked for unauthorized inquiries and identity theft-associated accounts to be blocked and removed. The accounts were removed but the inquiries remain and I received a letter stating inquiries are factual I then asked Equifax for information regarding how these inquiries were verified as factual specifically Per 15 U.S. Code 1681, it is Congress 's finding that the accuracy and fairness of credit reporting are crucial for the banking system 's efficiency and public confidence. Consumer reporting agencies, such as Equifax, have a grave responsibility to ensure fairness, impartiality, and respect for consumers ' privacy. 

Therefore, under 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ), Equifax is mandated to furnish consumers with a detailed description of the procedure used to determine the accuracy and completeness of disputed information, including the business name, address, and telephone number of any information furnisher contacted. 

Furthermore, according to 15 U.S. Code 1681i ( a ) ( 7 ), Equifax is required to provide consumers with a description of the reinvestigation procedure within 15 days of receiving a request for such information. 

I have not received a response to my request from Equifax. As a result, I believe that my consumer rights are being violated. Additionally, I have noticed that my credit report had old inquiries that were previously removed added back to my report, and then removed again. This raises serious concerns about Equifax 's compliance with the Fair Credit Reporting Act ( FCRA ). 

I previously made a complaint about this company, but they responded by saying they couldn't find my file. As I have an active account with them, it is clear that Equifax is not taking compliance seriously. 

the inquiries are below XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, TX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Address XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX  Dispute this XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, SC XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, GA XXXX Date of inquiry XX/XX/XXXX
Product: Mortgage

I obtained a mortgage with Countrywide Home Loans now Bank of America.That mortgage was for {$120000.00}. In XX/XX/XXXX despite having made all my payments they filed an action for foreclosure in XX/XX/XXXX. I obtained a refinance from another company XXXX XXXX which will be the subject of another complaint as XXXX did not pay-off Countrywide despite having received 4 years of mortgage payments from me. After 5 years of working my way out of chapter XXXX then chapter XXXX bankruptcy in order to keep my loan I finally made it into a loan modification program. Of course in order to foreclose on me Countrywide/BofA filed phony paperwork, with forged signatures etc. etc. I did hire bankruptcy attorneys. I working contract did not work for three months. I started a new job XX/XX/XXXX. I notified my attorneys and also Countrywide that the first payment would have to wait until I got paid. I not actually being a career criminal like XXXX XXXX, have to wait until I got paid. Countrywide/ BofA refused to disclose to me the amount of the principle that I am required to pay. They are arrogantly demanding that I somehow acceed to their crazy XXXX demands for payment on their terms. I say this as BofA received billions of dollars in bail-out money despite using fraud to 1 ) Give mortgages to anyone who had a pulse 2 ) And throwing XXXX Americans out of their homes 3 ) No one in BofA/Countrywide ( XXXX XXXX ) has ever been criminally prosecuted for their financial crimes. Now I think Countrywide is demanding $ XXXX.Countrywide refused loan mediation demanding that I pay for it. I say I think because Countrywide has never given me paperwork. I would like to be a company that can flout the law, take a {$120000.00} mortgage and turn it into a {$250000.00} debt, never be prosecuting for their crimes, destroy people 's lives and never have to be held accountable. I would like to be a company that has done more to foster XXXX by tearing apart families, throwing people out of their homes, than any " XXXX '' alive or dead.I have worked my entire life, bought a house when I was XXXX. I have endured years of gender discrimination against women by working in XXXX.XXXX. And have had to spend years in court trying to keep my house which leaves me at the age of XXXX living in financial poverty despite having been a high earner my entire life. I have spent a small fortune on lawyers ( which says a whole lot about their competency ). I would like Countrywide/BofA to actually take the loan modification seriously and work with me to reduce the principle.I would really like people to be prosecuted for financial crimes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus on XX/XX/22 to update this suspicious information. I think they have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, and XXXX, and I'm including it again. 

XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mid XXXX I mailed Transunion a dispute letter requesting an investigation. A received the green return receipt card from the USPS that it was received. A copy of the card is attached. A week or so later Transunion mailed me a letter requesting to send proof of address and identity to which I did. 

So I checked online on the Transunion website and I sent that nothing is in dispute or was marked in dispute. 

So Transunion has exceeded the 30 days required by law to investigate my dispute and number 2. Has either failed to notify of me of my dispute or even initiate a dispute per my request.
Product: Prepaid card

I have a Wells Fargo credit card, and when I canceled it, they told me that they cant give me the money that Ive paid. I have to wait 45 days.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX with Social Security Number XXXX, a resident of XXXX XXXX XXXX XXXX, TX XXXX, submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately.

Affidavit : Applicant Identification : Full Name : XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX TX XXXX Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent.

o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements.

Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID.

o A copy of a recent utility bill or bank statement confirming my current address.

o A copy of my Social Security Number.

Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information.

Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit card

We owed {$10000.00} to XXXX XXXX XXXX. We accidentally instead authorized an electronic payment of {$10000.00} to Capital One on XX/XX/XXXX. We contacted Capital One XXXX hours ago ( XX/XX/XXXX ) to notify them of this error and to request reimbursement. They have told us that their " process '' requires us to wait XXXX business days or more in order for them to investigate the situation. It is a simple problem : they have {$10000.00} of our funds that do not belong to them, and which we need to pay to XXXX. By contract law, they obligated to return these funds as soon as they were notified of the mistake, i.e., mitigate damages to us as far as interest costs we are at risk of being charged by XXXX. We want the funds returned by wire transfer in the next XXXX hours, or we will be forced to : cancel the Capital One card and retain an attorney.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX CITI CARDS/CITIBANK XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX Subject : Dispute Regarding Unauthorized Inquiry on my credit report. 

To whom it may concern, I am writing to dispute an unauthorized credit inquiry from CITI CARDS/CITIBANK that is appearing on my credit report dated XX/XX/XXXX. This inquiry was not authorized by me and constitutes a violation of permissible purpose under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b. 

The FCRA strictly limits credit inquiries to instances where there is a permissible purpose, such as my consent or a legitimate business transaction. As I have no account with CITI CARDS/CITIBANK and did not provide authorization for this inquiry, I am requesting its immediate removal from my credit report with all relevant consumer reporting agencies.

Additionally, I am seeking the statutory damages of {$1000.00} for this violation, as allowed under the FCRA. If CITI CARDS/CITIBANK is willing to resolve this matter amicably, I am open to signing a mutual agreement to settle, provided your client does not admit to any wrongdoing in the process. 

To prevent further harm to my credit standing, I ask for the following actions to be taken within 30 days of receiving this letter : 1. Immediate removal of the unauthorized inquiry from all credit reporting agencies.

2. Issuance of the {$1000.00} statutory damages to resolve this matter.

If this matter is not resolved promptly, I am prepared to pursue litigation. Please be advised that should this matter proceed to court, I will seek actual damages in addition to statutory damages.

Furthermore, litigation will incur the following costs : Itemized Litigation Costs Court filing fees : {$400.00} Attorney 's fees : {$7500.00} ( based on a rate of $ XXXX for XXXX hours ) Discovery expenses : {$2000.00} ( including document production and depositions ) Expert witness fees : {$2000.00} ( if necessary for case support ) Travel expenses : {$500.00} ( if required for court appearances ) Additional court costs : {$1000.00} Estimated Total Litigation Costs : {$13000.00} This estimate does not include potential compensatory damages for harm to my credit or punitive damages, which may be awarded by the court.

It is in both parties ' best interest to resolve this matter amicably and avoid unnecessary costs and time.

Please respond to this letter promptly to discuss how we can resolve this matter. Failure to do so may also lead me to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies. 
I look forward to your swift resolution of this issue. You can contact me by mail at the address listed above. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Accounts name : XXXX XXXX XXXX  # XXXX violated my rights 15 U.S.C 1681 section 602 A States I have 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 followinc items of information Anv other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven vears. 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