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

I am employed by a home building business. A couple years or so ago, I opened a credit card at XXXX XXXX for that business. Only to later find out, that I was unaware of the fact that that credit card was tied to my personal credit, not the business or the business owner. I do remember giving them the business information for the account, not even sure how it got connected to my personal information. That was never explained to me while opening the credit card. The woman in store who opened that account for me knew that it was to be opened for a business ( not my business ) and did not advise to have the business owner present for opening of said credit card. 

XXXX to XX/XX/year>, the business owner wanted to increase the credit limit on that card, so we called and inquired about an amount increase. Prior to asking for that increase, it was not disclosed that there was going to be a hard pull on my personal credit, not to mention the fact that I had no idea this supposedly " business '' credit card was even connected to my personal credit. It was only after the woman increased the credit limit that I had to take the initiative to ask if it was a hard credit pull ( thinking it was a hard pull for the business owner and realizing that should've been disclosed ) and then I was made aware that it was a pull on my personal credit, not the business/business owner because it is not a business credit card account, but has to be tied to a person and I just so happened to be that person because I was the XXXX in store opening the account ( none of which was disclosed or explained to me in store ). I have permanently closed that credit card, and I am requesting a reversal on the hard credit pull since I was never made aware of the hard pull on my personal credit prior to the inquiry. XXXX XXXX and Citi Bank recorded the phone conversation. If they will give you the recording, it is clear that the hard credit pull disclosure was never made.
Product: Debt collection

In XX/XX/XXXX, I began receiving garbled and static voicemail messages and did not know who it was or what is was for. In XXXX, XXXX, I began receiving alerts from XXXX XXXX XXXX  about a debt in the amount of {$33000.00} placed on my credit report by the National Credit System that I do not owe. I never received any documentation from this company explaining what this was about. The collection agency is connected with a former landlord, XXXX XXXX XXXX, XXXX whom I owe nothing to. I took this landlord to court in XXXX for repeated breaches to the lease, maintenance, and habitability issues reported to the department of licenses and inspections, and complaints of false charges that I disputed multiple times that the landlord never responded to that continued right up to the day that I moved in XX/XX/XXXX. I also have documentation of the keys that were returned via certified mail and the certified letter along with photos of the condition of the apartment which includes the maintenance issues reported to the department of licenses and inspections, and other agencies. 

The XXXX Final Order stated, " Pursuant to Section 9-804 ( 1 ) ( c ) of the XXXX Code XXXX whenever any premises are found in violation of any provision of The XXXX Code and a notice of violation has been issued by any department or agency of the City, it shall be unlawful for any owner, landlord, agent or other person operating or managing such premises to terminate the lease ; and, make, alter amend or modify any term or condition of any existing lease or arrangement of tenancy at the time notice of violation is issued until the violation has been corrected. '' Therefore, this inaccuracy should have never been reported to XXXX Credit Bureau and should be removed from all of my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  - Credit report from XX/XX/XXXX shows this account was closed on XXXX and will be removed on XX/XX/XXXX. The next report I pulled shows this account was closed on XXXX and will be removed on XXXX. I have reached out to the company and the credit bureaus to remove this information from my credit report as it is being reported inaccurately and as of today XX/XX/XXXX it is still not removed. 

XXXX XXXX XXXX - This account is reporting a date opened of XX/XX/XXXX and date of last activity of XX/XX/XXXX. This account is reporting inaccurate information. I have reached out to the company and the credit bureaus to remove from my credit report and as of today XX/XX/XXXX it is still not removed. 

XXXX XXXX XXXX XXXX XXXX - This account is reporting a date opened of XX/XX/XXXX and date of last activity of XX/XX/XXXX. This account is reporting inaccurate information. I have reached out to the company and the credit bureaus to remove from my credit report and as of today XX/XX/XXXX it is still not removed. 

By the provisions of the Fair Credit Reporting Act, these items should not be on my credit report as they are reporting inaccurate information.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX  XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX
Product: Mortgage

My mortgage contract specifies that the mortgage company ( ServiSolutions, in this case ) is responsible for paying my property taxes ; however the taxes were not paid, and are now 2.5 months in arrears. I can accept that mistakes happen, and that it may take time to fix said mistake ( s ), but 2.5 months is not an acceptable amount of time for this issue to still be unresolved. As near as I can tell, with the information I have access to, ServiSolutions attempted to pay the taxes ( I assume by issuing a check ), but some error was made and the funds were returned to ServiSolutions and credited back to my escrow account. I discovered that the taxes had not been paid when I got my form XXXX and saw in box XXXX " Property Tax {$0.00}. '' I have received no communications from ServiSolutions about the taxes, and they still show as owing at the county Treasurer, meaning that if they did anything to discover the error, they either have not fixed it or have not discovered its origin. The easiest thing would have been for them to contact me - since I got the statement from the County Treasurer - and ask me to help them update their system, but they did not ; likewise they could have Googled it ( if it was an address/addressee problem ), and either of those solutions would have resolved the problem in a matter of minutes, not months. This is my first mortgage, and I trusted that ServiSolutions had enough experience and people that when something like this happened it would be quickly corrected, instead, it is up to me to do their job.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts on my report I do not recognize
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX  letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 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 und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the 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 IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Debt collection

XXXX calls repeatedly from early morning to late evening. I simply hang up now. I now send only a low basic amount since them continue to call.
Product: Credit reporting, credit repair services, or other personal consumer reports

1.I recently had a fraud alert placed to my account. I was told when I added the fraud alert it would keep companies from running my credit with out my consent and extra verification would be needed to obtain my credit report. That was told to me I pulled my credit report and I immediately called the credit reporting agency I was then told to file a report with FTC and this will be investigated. I was then asked what inquires was I disputing and if I could fax the information. I faxed the information and mailed the information and told again today that they have not received anything even though certified mailed said all my papers were delivered and I also have the fax conformation. 

2. I recently sent in the agreement that was reached by me and certain creditors, I am not taking responsibility for the debt me and the company simply negotiated a agreement in writing that was also sent to the credit bureaus. Still they are stating either they did not receive my paperwork. 

3 A address that is listed on my credit bureau file is the address to a bank. These companies are lying when they say they are investigating because if they were they would have known that.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS ACCOUNT LISTED WAS OPEN FRAUDULENTLY I DID NOT OPEN THIS ACCOUNT SOMEONE USE MY PHOTO ID AND SOCIAL SECURITY NUMBER XXXX am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA & # 39 ; s. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected. I'm looking forward that you will resolve this issue as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

TRANSWORLD SYSTEMS INC XXXX XXXX XXXX XXXX, DE XXXX Attention : TRANSWORLD SYSTEMS INC I am formally requesting that you validate all tradeline listings you have submitted to XXXX XXXX reporting agency by TRANSWORLD SYSTEMS INC for me, XXXX XXXX, under account number XXXX. Due to possible inaccuracies in these credit reports, I demand that the validation I hereby request be in the form of a verified statement by a person with original knowledge of the debt, who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. 

Please be advised that I am requesting competent evidence that I had some contractual obligation in relation to the tradeline. Within 30 days of this notice, either answer these demands or remove the associated negative tradeline notations from the credit reports, actions which contraindicate evidence of your intent to abridge one or more civil rights. Continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for formal complaints being filed pursuant to federal statute. 

Thank you in advance for your anticipated cooperation
Product: Mortgage

To whom it may concern, my name is XXXX XXXX and my grandfather died XXXX XXXX 2014 and her house was in reverse mortgage, and when it was all said and done, I owed more than the loan, plus financial freedom said she signed agreement for a pay back loan meaning that she had to pay an additional charge and I know she did n't know about that, cause she would n't never agreed to pay the balance amount
Product: Credit reporting

The account in question has been reported since XX/XX/XXXX as delinqent and equifax have it as XX/XX/XXXX which it worng and the statue has expired to report the accounts. 
The reporting dates are diffrent than my Experian report by years of 5 plus. 
XXXX XXXX ( XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit report. This list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681-section 602 States I have a right to privacy USC 1681c section 604 section 2- also states a consumer reporting agency can not furnish an account without my written instructions. USC code 1681 no consumer report containing any adverse items of information other than records of convictions. 
XXXX XXXX acct XXXX XXXX of 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

Violates XXXX and CRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I saw my recent credit report that I have late payments on my history with this account which I think I am not late at all. 
XX/XX/XXXX- XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the creditor to remove the late payments on my account due to the fact I have been an exceptional customer since then and they have not responded.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed a copy of my credit report and I noticed that there are some fraud accounts listed on my report. I have previously reached out to the credit bureau to rectify this affair, but they have been negligent in complying with my request.

The accounts and inquiries listed do not belong to me and are invalid. The disputed information does not relate to any transaction made by me. A copy of my drivers license, social security card, and 2 FTC reports related to this dispute are attached.
Product: Mortgage

I have asked them to provide evidence Of a home on this property, Evidence that insurance is required. 
I have Asked that any monies sent to them Be applied to the payment and note, And they have applied it toward unwanted insurance. 
I have asked for this for 12 months and they have provided 0 evidence of their claims. 
No copy of my file, no copy of ins policy.
Product: Checking or savings account

An unknown person opened a checking account on-line using my information. The account was opened at Bank of America. I live over 60 miles away from their nearest branch. I have never had an account with them. The unknown person hacked into my savings at XXXX XXXX  and transferred {$2800.00} on XX/XX/2022. I called Bank of America to report this. After being transferred 4 times I finally spoke to an agent who said the account would be shut down. I closed my savings account and opened a new one after XXXX XXXX  returned my money due to this being fraud. I thought this was taken care of until I received another statement from Bank of America showing me in the negative {$280.00}. I called them again just to be informed that it was automatically re-opened because a few cents was deposited into that fraudulent checking account. After the deposit when in the unknown person did a transfer out of this fraudulent account putting it once again in the negative. That account should of been flagged and permanently closed. Which is what my bank informed me. So someone did not due their due diligence and my credit is now suffering because of this. I need this account that I did not open, authorize and reported fraudulent, closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my reports, incorrect information is being reported to my personal credit file. The Experian, XXXX and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian, XXXX and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company
Product: Money transfer, virtual currency, or money service

I used Venmo to transfer money from time to time and for my unemployment check. I also accidentally transferred my income tax refund into the Venmo account. However they froze my account and it has a balance of XXXX and its been over 180 days and my money still hasnt been released.
Product: Debt collection

I actually never received anything from this company regarding a debt owed. However, several weeks ago, I received a letter from XXXX XXXX XXXX XXXX about this debt owed and they supplied paperwork. Maybe my complaint with with the payday loan place but I also have a complaint with XXXX XXXX XXXX XXXX. http : XXXX I believe under the FDCPA, you are not to imply you are a lawyer. However, this is a law group attempting to collect the debt. Their letterhead reads : XXXX XXXX XXXX XXXX, Attorneys at Law, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, ID XXXX. At the bottom of the letter text reads, " ... and any information obtained will be used for that and other purposes allowed by law. '' Well, I have called and left messages twice with the law firm AND I submitted my information through their website 's Contact form. I have yet to receive a response. I have recorded my attempts. I just do not want to get blindsided with a lawsuit as I have attempted to contact them and make arrangements. Now I'm worried this company is not legitimate and not working for the Payday Loan company but may have purchased the debt.
Product: Debt collection

I have one derogatory mark on my credit from XX/XX/2015 for {$240.00} from XXXX XXXX XXXX that I have never owed or had anything to do with and shouldnt be on my credit there is no number or any information for me to contact them and every time I try and dispute it it ask for a account number which I dont have because theres no way for me to contact them Im needing help to get it off my credit. XXXX XXXX : JH Portfolio Debt EQ this is all it has listed no number to contact no address no nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are incorrectly reporting a charge-off account where I am shown as an Authorized User on XXXXXXXX XXXX -  partial account number ****XXXX.  (Please see pages 8 and 9 of the attached credit report.)  I have already called the bank and let them know that I never gave permission to be added as an Authorized User to this account.  This tradeline has been removed from XXXX however XXXX and Transunion have not removed this from my credit report.  I have contacted the two bureaus to fix this issue but I have not been successful.  This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Product: Credit card

I made a payment online of {$190.00} on XX/XX/year>. Immediately, I canceled the payment when I discovered that I did not have the money to pay my XXXX rent. I hit the cancel button. The payment went through anyway. I contacted my bank, but since the transaction was in process that would not stop payment. On XX/XX/year>, I filed a dispute citing " Error of payment ''. I was promised a reimbursement by Citibank ( LL Bean Master Card ) on XX/XX/year>. I did not receive it. I was promised a reimbursement on XX/XX/year>. I did not receive it. I was then told it would take 90 days before I received my reimbursement. The operator then disconnected me. I then email XXXX " Solve it XXXX ''. I sent an email to XXXX XXXX. She never responded. I gave her all my personal information regarding the card and she never answered my email. I then redirected my email to Solve It XXXX and directed attention to XXXX XXXX. I have not received any response from XXXX Solve It XXXX. They advertised both a prompt response and success stories of helping others. Well... .they haven't helped me or even acknowledge my email. I turning to you with the hope that you will help me. XXXX XXXX, XXXX, XXXX XX/XX/year>