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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

These unknown companies placed debt to my credit file. 

Jefferson Capital XX/XX/XXXX {$1700.00} XX/XX/XXXX {$1700.00} XXXX XXXX XXXX XX/XX/XXXX {$620.00} XX/XX/XXXX {$780.00} XX/XX/XXXX {$780.00} XX/XX/XXXX {$620.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax REFUSES to remove inaccurate information on bankruptcy. This item is still being reported incorrectly and is extremely detrimental to me. Also Equifax is the ONLY credit bureau that is reporting this inaccurate information that they can verify through the courts. 
This has caused me emotional and financial hardship because XXXX does not want to act in accordance with the Fair Credit Reporting Act, XXXX XXXX. 
I have requested that the inaccurate information of : Chapter XXXX XXXX be verified by including : 1. Names of individuals you contacted for verification 2. Their addresses 3. Phone number I need to have this certification so that I can check it as well. If Equifax can not furnish those items requested then they must remove them according to the law.
Product: Credit reporting or other personal consumer reports

The currently reported XXXX XXXX with account number XXXX displayed as XXXX XXXX on my Trans Union report, shown as this information is NOT REPORTED on XXXX in this reported claim on my XXXX report, and alleged as this information is NOT REPORTED on XXXX in this reported claim on my XXXX report. Any inconsistency, incompleteness, inaccuracy, or omission of the reported item serves as a variation from the mandatorily utilized reporting industrys own Metro 2 Data-filled Field Formatted reporting compliance standards, of which there can be NO DEVIATION without JEOPARDIZING THE INTEGRITY OF THE DATA ( see XXXX XXXX XXXX ) and as so is lawfully questionable until evident confirmation of all aspect ( s ) of claim ( s ) are factually true, correct, complete, timely, physically verifiable, and elsewise undeniably valid particularly if not certifiably compliant in full according to the above-mentioned Metro 2 formatted industry requirements. With that in mind, please consider the following suspect reported data fields alleged for this now contested reported
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple disputes have been filed in which they continuously come back as verified, Ive requested the method of verification in which they have not provided. Upon calling today to inquiry about results that had not come in, and file dispute on fraudulent inquires, I was denied that right by the representative, as well as told look at the website, it states how public records are verified. Public records should only be verified by the source, and I have confirmed from the XXXX XXXX bankruptcy court that they do not verify this to any third parties. Meaning credit reporting companies, or the third party companies that they use to verify. Additionally they claimed three collections from XXXX XXXX  was accurately verified, I however received a letter from them stating we can not determine the reason for dispute so theyve listed the dispute as in dispute however XXXX says this was verified? HOW?!? Delete these four items immediately.
Product: Debt collection

I have never lived at the location the apartments are telling me that I owe money on... I have lived in a residential home in a different city for years. I have reached out to apartment management and they keep telling me that I owe money on the alleged rental of this apartment, I have even sent a dispute letter to all of the credit bureaus and they haven't removed that item yet.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The information on my Equifax credit report hasnt been updated since XX/XX/2020, its XX/XX/2020. Despite the facts that my creditors have updated the information for my accounts and XXXX, XXXX both update information monthly, Equifax is updating my credit score based off this old information and it has caused my FICO score to drop significantly causing serious financial harm. For example, I have credit card balances that still show amounts from XX/XX/2020 despite the fact they are lower in XX/XX/2020. I have called numerous times, Sent letters, and verified my identity all to no avail. This matter has caused my great distress and my next step will be looking into a lawsuit.
Product: Credit reporting or other personal consumer reports

Original Creditor : SYNCHRONY BANK Current Holder of the Debt : XXXX XXXX XXXX Account Type : Debt Buyer Date Opened : XX/XX/year> Status as of Last Update : Collection account, {$760.00} past due as of XX/XX/year> Status Updated : XX/XX/year> Balance as of Last Update : {$760.00} Balance Updated : XX/XX/year> Original Balance : {$760.00} Terms : 1 Month Responsibility : Individual Details of the Incident : The account with SYNCHRONY BANK was transferred to XXXX XXXX XXXX and is now reported as a collection account with a balance of {$760.00}, which was past due as of XX/XX/year>. The balance was first reported and has remained at {$760.00} since the account was opened on XX/XX/year>. No monthly payments were set up, as the terms indicated a one-time resolution in 1 month. 

Actions Taken by the Company : As of the last update in XX/XX/year>, XXXX XXXX XXXX has not provided any detailed statements or communications explaining the basis of the debt, nor have there been any attempts to negotiate or settle the debt prior to moving it to collections status. 

Actions Taken by Me : Upon noticing the collections entry on my credit report, I immediately sought to verify the details of the debt, as no prior communications or billing statements were received before the account was marked as in collections. I have yet to receive any response or documentation that validates the debt. 

Requested Action : I am seeking a thorough investigation into this matter, including the provision of all relevant documents pertaining to the debt and its transfer from SYNCHRONY BANK to XXXX XXXX XXXX. If the debt can not be validated, or if prior notification requirements were not met, I request the immediate removal of the collections entry from my credit report, and a formal acknowledgment of this correction.
Product: Credit reporting, credit repair services, or other personal consumer reports

Close XXXX XXXX  Account Name XXXX Account Number Credit Card Account Type Authorized user Responsibility XXXX XXXX Account XXXX XX/XX/XXXX Date Opened Open/Never late. 
Status Updated XX/XX/XXXX $ 246 Monthly Payment {$8500.00} Credit Limit {$8900.00} {$8900.00} Balance Updated XX/XX/XXXX {$8400.00} This account is not mine, XXXX  removed this account, but XXXX  and Equifax still have this account under my name I attached dispute information from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I like to order a full Core Logic report, I believe there is some misinformation on my credit report. 
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

Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its failure to properly investigate and remove inaccurate account information from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : XXXX I previously submitted a dispute to Experian regarding the inaccuracies in the above-referenced account. Despite providing evidence supporting the accuracies and requesting its removal from my credit report, Experian failed to conduct a thorough investigation and the disputed account remains on my credit report. 
As a consumer protected under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Experian failure to comply with this law is a violation of my consumer rights and has caused me financial harm and distress. 
I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Experian for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate account information from my credit report and appropriate measures to ensure that Experian upholds its obligations under the law. 

To soport this claim, I have enclosed the following documents : 1 : copies of previous credit report showing Discrepancies inacury information 2 : Dispute letter sent to Experian Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and these fraudulent information reporting continue to damage my credit reputation and I am refiling this complaint to EXPERIAN. I am writing to appeal that you block the following false information from my credit report. 
The FTC report number related with this complaint is XXXX including the fraudulent accounts. I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with XXXX XXXX XXXX Section. XXXX that unambiguously obliges a described of the modus.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 Experian has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Experian refuses to remove all addresses from my credit report that makes me susceptible to identity Theft. I have never lived at some of these addresses.I disputed on more than one occasion and they refuse to delete from my file. I feel like they are taking advantage of my rights and i need all addresses except where i live and receive mail to remain on my report.

I reiterate 15 U.S.C 1681 section 602 A. States I have the right to privacy.
Product: Checking or savings account

There was an affidavit previously filed under number XXXX. The dispute was closed after CHASE responded with unfactual statements. In CHASE 's response they ensure that the form was filled out incorrectly. 

On the form, the name and period of time was complete. The remaining 2 parts of the form were the signature and certification of signature by the banker who should have done the medallion stamp. The signature should not be signed until in front of the banker who has to see you sign the document before stamping it. 

The banker said that they could not do that form at all. She did not say that her back office told her that the form was filled out wrong. I can prove this as I have the conversation recorded. 

I am not at all pleased with how this has been handled. XXXX XXXX was well aware of what she said and should be held accountable. I would also like to proceed with getting a medallion stamp now that CHASE has finally admitted in writing that they DO stamp the Treasury Direct FS Form 0385.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need some help with my credit file there is a issue with my information not being correct. 
I am applying for a new job and my correct DOB is XXXX my correct SS is XXXX. My current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX. PLEASE DELETE THE FOLLOWING INCORRECT ADDRESSES : XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX There is a account on my credit that I never done business with from XXXX XXXX  # XXXX. I have never had a XXXX Credit card in my life. 
There was a issue with someone using my ID or credentials to apply for credit/loan I have never apply for credit with the following companies : 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

Of the 3 major credit reporting agencies, XXXX  is the only one that continues to report late/trailing Wells Fargo mortgage balance of {$3400.00}. Everytime I call or start another dispute the mortgage is late additional months. I have advised them this can not be, as I am on " automatic payments '' and I have even sent them bill statements, and credit history. They have not exercised the courtesy and/or logic when reviewing information to see that the months keep trailing one another. I have had Wells Fargo provide them correct information. With all of the disputes and information I have submitted I am beginning to believe this is racially driven. As there is no other way to understand why they have not rectified this in this amount of time.This has prevented me from buying and renovating homes, moving into a new home, getting credit increases, and providing additional needs that I have for my family.
Product: Debt collection

I am a XXXX  XXXX and I try to do XXXX  XXXX  on the side a person disguised as a mother who wanted a commission for her son. A few days in, she emailed a check for me to deposit ( I did know not to do that at the time ) and a day later, I have a at the time {$1300.00}, now {$940.00} overdraft fee Ive tried to dispute the claims with no success
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint against Equifax regarding their failure to properly investigate my disputes, as well as their violation of the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/2023, I submitted a dispute by mail to Equifax, outlining the inaccuracies on my credit report related to the accounts from XXXX XXXX XXXX and XXXX XXXX. In response, I received a letter from Equifax dated XX/XX/2023, stating that they were unable to process my dispute due to the inability to verify my identity. However, I had provided a copy of my photo ID, social security card, and proof of address as requested. Despite this, Equifax did not proceed with the investigation of my dispute. 

In an attempt to rectify the situation, I resent my dispute to Equifax on XX/XX/2023, hoping for a prompt resolution. However, to my disappointment, I never received any response from Equifax regarding this dispute. 

In light of the lack of communication and response, I sent additional disputes to Equifax on XX/XX/2023, XX/XX/2023, and XX/XX/2023. Despite these multiple attempts to seek resolution, Equifax has failed to conduct a proper investigation and has not provided me with the results of their inquiry. 

One of the disputed accounts is from XXXX XXXX XXXX, and I have not received any information properly validating this debt. I believe this debt to be inaccurate, and without proper validation, it should not be reported on my credit report. 

The other disputed account is from XXXX XXXX, which is reporting inaccurately as an installment loan with a remark that I was previously 60 days past due. I can confirm that I have never had an installment account with this creditor, and this information is erroneous. My direct disputes to XXXX XXXX have been returned as undeliverable multiple times, indicating that this debt is unverifiable.
Product: Mortgage

I am in the process of refinancing my 1st mortgage as a rate and term refinance to better my financial position however BOA is not letting without incurring thousands of dollars in extra closing costs.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX : XX/XX/XXXX Address : XXXX XXXX  XXXX XXXX XXXX, XXXX & Zip : XXXX, TX XXXX Re : Identity Theft Complaint ( Remove Inaccurate Inquiries ) Receiver : Chex Systems , Inc. 

Address : XXXX XXXX XXXX City, State, Zip Code : XXXX, MN XXXX Attn : Consumer Relations Consumer ID : XXXX To whom it may concern, My credit consumer report withholds inaccurate information communicated from Chex Systems provided by their client XXXX. These transactions were initiated without my permission. I did not consent to any of these inaccuracies and have filed a complaint of the violation. Pursuant to 15 USC 1681 ( a ) ( 4 ) of the Fair Credit Reporting Act ( FCRA ), There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. XXXX has already been made aware of these inaccuracies. On behalf of their client, I am upholding Chex Systems to the same standard of the law. These inaccuracies are a violation of my consumer rights to privacy, and a violation of the reporting agencys unfair reporting of inquiries that I did not consent to. 

The inquiries listed below should be removed IMMEDIATELY, as they are inaccurate, and violations of my right to privacy and the Fair Credit Reporting Act : ChexSystems Date Creditor Name XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX The above, inaccurate inquiries should be removed from my consumer report immediately. 



Regards, XXXX XXXX XXXX
Product: Mortgage

f ay mortgage company response from the cfpb i filed, stated a {$3600.00} of a post-petition fee incurred, from the response letter from fay sent dated XX/XX/2021. 
I summited to fay mortgage co, a money order of {$3700.00} handwritten remark on the money to pay order post-petition fee. 
on XXXX XXXX fay cashed the money order and seemed to have misapplied the XXXX dollars in which was to be attended for. the {$3700.00} went toward a future mortgage payment. 
last week I followed up with fay and requested the misapplied funds be reversed to pay the post-petition fee I was told today on XXXX by fay employee that the request to reverse {$3700.00} went to the wrong department. 
i would like assistance that the money is properly submitted to pay the post-petition fee that was attended for as per the letter fay provided me with and handwritten instructions on the check that was cash, as time is of the essence.
Product: Debt collection

Was not properly served. I contacted law office and explained the process server lied and said they served the the papers to someone name XXXX. On XXXX. I was not properly served. No one one was even at home that day and the time is not on the Server order. In fact I was not home the entire week. I would like them to discribe the person that was served. Attorney XXXX XXXX from the XXXX XXXX XXXX XXXXXXXX XXXX said he would contact the Process server. And I never heard back regarding it. Also Tower Loan was untruthful is stating I did not call their office in XX/XX/2020. 
There has been 2 occasions where the truth has not been displayed. I agreed to pay monthly. Before Covid my payments where timely. After Covid I contacted Tower Loan to explain me financial hardship. I have missed only 2 payments during Covid due to several months of Quarantine. Being ill and evacuation do to XXXX XXXX outbreaks. Tower Loan is issuing a wage garnishment. I successfully paid off my first loan to Tower Loan. This 2nd loan was for my ex husband who did not repay what he committed to. So I was held responsible because it was in my name. I am asking for Mercy from Tower Loan company. I have been faithfully paying before Covid. A Garnishment would cause more of a hardship I am currently behind on my Mortgage payments as well. I live alone with no other financial help. I am requesting the Garnishment stopped and allow me to continue making monthly payments. I also want an investigation done regarding the process server if they lied about serving me than they can not be truthful on the process serving of othersXXXX XXXX XXXX XXXX XXXX XXXX has the contact information to contact the Process server who claimed they served me. I pray that Attorney XXXX XXXX will produce the documents of the process server for viewing. I believe there was Fraud involved in the serving process. Thank you in advance
Product: Mortgage

I purchased subject property on XX/XX/XXXX thru XXXX XXXX XXXX and the loan was sold to Wells Fargo. I was never late on my mortgage payments, until the collapse of the mortgage industry in XXXX. I was a XXXX XXXX and was out of a job due to the collapse of the real estate market. I obtained from Wells Fargo a Loan Modification, but they insisted on doing an ARM rate which I opposed. I accepted the loan, then switched to a better loan program based on reduced property value, which would suit me best. Wells Fargo rejected the property reduction loan. I then requested the reinstatement of the original loan, and was rejected. As a customer, I had the right to choose a better alternative. 
Wells Fargo, because of greed, was determined to foreclose on my property, despite my efforts to retain it. It's not right that they get away with their bad behavior, at others expense. I am almost XXXX yrs old, living in subsidies housing, due to their reckless actions.