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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/1957 SS # : XXXX To Whom It May Concern, I am writing to file a formal dispute and request a thorough investigation into the inaccuracies present on my credit report. I believe that the following violations of federal law have occurred : Violation of Fair Credit Reporting Act ( FCRA ) - Accuracy and Completeness ( Section 607, 15 U.S.C. 1681e ( a ) ) Incorrect Personal Information - Current Address Incorrect Personal Information - Previous Address Erroneous Bankruptcy Entry Questionable Account - XXXX XXXX ( Account Number : XXXX ) Questionable Account - XXXX XXXX ( Account Number : XXXX ) Unrecognized Account - XXXX XXXX ( Account Number : XXXX ) These inaccuracies have significantly impacted my life, causing undue stress and hindering my ability to secure favorable financial opportunities. Allow me to share a deeply personal account of how these issues have affected me : Over the past several years, I have diligently worked to establish a stable financial future for myself and my family. However, the presence of these inaccuracies on my credit report has cast a cloud of uncertainty over my efforts. As a result of these errors, I have been denied opportunities to secure affordable loans for important life milestones, such as purchasing a home or financing my child 's education. 

The incorrect address listings have led to misunderstandings in my financial dealings, causing delays and miscommunications that have led to lost opportunities. The inclusion of erroneous bankruptcy entries and questionable accounts has further exacerbated the situation, making it incredibly challenging for me to regain control over my financial well-being. 

I must emphasize that I am not the owner of the bankruptcy case listed under Case Number XXXX or XXXX. Additionally, the accounts listed under XXXX XXXX ( Account Numbers : XXXX and XXXX ) and XXXX XXXX XXXX ( Account Number : XXXX ) raise valid concerns about the accuracy and legitimacy of the reported information. 

Given the tremendous emotional toll these inaccuracies have taken on my life, I implore you to enforce the legal protections afforded to consumers by diligently investigating and rectifying these violations. I kindly request that the credit reporting agencies promptly remove the aforementioned unverified accounts from my credit report to ensure that my financial history is an accurate representation of my actions and responsibilities. 

I eagerly anticipate your investigation and resolution of these issues, which have taken a significant toll on my life and financial prospects. I remain committed to working toward a better future for myself and my loved ones, and I believe that your intervention will play a pivotal role in achieving this goal. 

Thank you for your time and attention to this matter. I look forward to receiving updates on the progress of your investigation. 

Sincerely, XXXX XXXX
Product: Mortgage

My home is in XXXX XXXX Illinois. My mortgage was transferred to Specialized Loan Servicing XXXX phone # XXXX XXXX in XXXX. I have been trying to have my escrow account deleted since XXXX. They denied my request in XXXX stating that my loan-to-value ( XXXX XXXX must be reduced to 80 % Based on the CURRENT VALUE. In XXXX they denied me again stating that the XXXX must be reduced to 80 % Based on the ORIGINAL VALUE. By XXXX I have reduced my XXXX below 80 % of my Loan 's ORIGINAL VALUE. This time they denied me on XX/XX/XXXX Stating that the XXXX must be reduced to 65 % based on the ORIGINAL VALUE. 
I have complained by phone and have had many correspondence with supervisors in the escrow department. During some of these correspondence I have been told lies or misinformation such as that I could possibly have my home reappraised. 
After many hours on the phone I received a document on XX/XX/XXXX that based on my current XXXX that I now have a choice to delete my loans escrow account if I send a written request to them. They also stated that once they received the request they would be required to refund the existing amount in the account to me within 20 working days. 
I sent my request to delete the escrow account via XXXX on XX/XX/XXXX. I have since had many more hours on the phone trying to find out if they received my request. 
Now they are telling that the letter they sent me on XX/XX/XXXX was probably sent in error, that Illinois is the only state that requires the XXXX to be reduced to 65 %. 
I complained that there is more legal writing in this law than just the 65 % and that they need their legal team to interpret the entire law. I also have no clear answer from them on what value of my house they are basing the XXXX ratio on. 
The supervisor stated that they are reviewing their policies trying to determine why I have been mislead. They also stated that they are still trying to resolve this problem and allow me to delete my escrow but that in his opinion the outcome will not be in my favor. He was supposed to call me back by XX/XX/XXXX but I have not heard anything. 
So here I go again with many hours on the phone.
Product: Debt collection

Valley empire collections in XXXX XXXX, WA has inaccurately reported collection accounts as well as amounts to XXXX on multiple occasions after notification from me that I don't believe I am the owner of said accounts and the account that I do own had been duplicated and split into separated accounts. I requested proof of original debt XXXX  years ago and was sent a spreadsheet printout from collection agency with my name listed and account numbers typed with amounts next to them .....
Product: Debt collection

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or incomplete items unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violates federal law and my rights as a consumer. 

XX/XX/year> ; {$1000.00} XX/XX/year> ; {$1300.00} XX/XX/year> ; {$1.00}, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


TransUnion Addresses : XXXX XXXX XXXX  XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX  XXXX, AZ XXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX  XXXX, AZ XXXX Employer XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX  XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX. 

Employers : XXXX XXXX XXXX  Inquiries : XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I called hunterwarfield inc about one acct that shows i owe them XXXX ask the company to provide me a letter. they refuse I have a seperae acct with them that im currently disputing for XXXX which their trying to combine.
Product: Credit reporting or other personal consumer reports

My identity was stolen I did not open various accounts credit cards etc in my name XXXX credit cards XXXX loans auto loan and utilities
Product: Mortgage

I had a loan modification at XXXX per month. 
Then the interest rate adjusted at the new payment is XXXX per month. 
I applied for loan mod and denial when all paperwork was complete. 
Were in the pandemic and Im being foreclosed on.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my complaint for you to know that I am a victims of identity theft. Based on FCRA Section 605B, it was the responsibility of the 3 credit bureaus to eliminate those items which does not belongs to the owner. I was a casualty of savage wrongdoing. I'm not liable for this account. Please provide all verifiable documents from this company, if not please remove them asap : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX AR XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$5900.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3200.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$5900.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$3200.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX Balance Owed : {$3200.00} ; XXXX  XX/XX/.
Product: Credit card

XX/XX/XXXX, I sent my payment by mail to Citi Health Card. I sent my {$580.00} XXXX XXXX money order to Citi Health Card, XXXX. XXXX XXXX, XXXX XXXX, XXXX XXXX. This address was obtained on their website XXXX. Citi lists this as an address to send payments to. Since then, Citi has not applied this payment, and they can not confirm nor deny that they have received this money. I have spoken to at least XXXX different representatives at different locations, to include XXXX XXXX, XXXX XXXX, and XXXX XXXX, XXXX, all of whom can not give me a clear answer as to what has happened to this payment and why it has not yet been applied. I did not write my account number on the money, as I did not have that information at the time. I did however write the following " SSN XXXX '', my actual Social Security number, as well as my printed name and signature. This payment was well above the minimum. Please help me to have this money applied to my account.
Product: Credit reporting or other personal consumer reports

this letters complaint to fixed and delete inaccurate and misleading accounts XXXXXXXX XXXX **** Balance Owed : {$15000.00} XXXX  XXXX Balance Owed : {$4800.00} XXXX XXXX Balance Owed : {$14000.00} XXXX XXXX XXXX Balance Owed : {$3800.00} XXXX XXXX XXXX Balance Owed : {$0.00} -tied up XXXX XXXX Balance Owed : {$310.00}
Product: Mortgage

I have a reverse mortgage and I am being taken advantage of by my mortage company RMS Reverse Mortgage Solutions XXXX. XXXX XXXX XXXX, TX XXXX phone number XXXX account number LOAN NO. XXXX. 
-- I was advised by RMS that I owe RMS {$600.00} for a property tax bill they are " CLAIMING '' to have paid on my behalf. They are saying they paid check # XXXX which cleared on XXXX/XXXX/XXXX. 

-- I disputed the claim with RMS and submitted an appeal because RMS has never paid my property taxes because I have always paid my property taxes. My taxes are paid via my checking account which ends in XXXX. I also forwarded RMS my statement from the New York Dept. of Finance which shows my payment history from as far back as XXXX. All payments have been made through my personal checking account. 

-- I have had to appeal 3 times because RMS just simply denies my appeal with no justification or even any notification. I have to literally call and beg for an update and then have to appeal again. Every time I call RMS, I am met with disrespect, and harsh attitude as if I broke the law. I was advised that my loan is in default and RMS is trying to take my property unlawfully.
-- RMS continues to deny my appeal simply stating that " YOU JUST OWE '' the taxes. I have asked all representatives I have spoken with for justification because my supporting documents come from the Dept. of Finance showing without a shadow of a doubt that RMS has not paid  my taxes.
Product: Credit reporting or other personal consumer reports

This information is incorrect and is in my report and is not mine. 

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

I was received an emailed about my information being in the XXXX data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : 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.

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or 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 results 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. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have attached a copy of my ID for identity verification and a bill for address verification.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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.

UNUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 
2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX XXXX Account Number XXXX XXXX Please remove it from my credit report. 
3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXXXXXX XXXX XXXX Account Number XXXX XXXX Please remove it from my credit report. 
4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX XXXX Account Number : XXXX Delete this account.
Product: Debt collection

I, XXXX XXXX a consumer citizen of heaven am writing in response to an alleged debt which was sent to the address of XXXX XXXX XXXX XXXX # XXXX. This letter was received on XX/XX/2021. Letter attached. 

As it pertains to my consumer report, upon information and belief the company is attempting to collect an alleged debt pursuant to 15 USC 1692a ( 5 ). With respect to Account # XXXX, there is no debt owed. 
National Recovery Agency response did not address any of my complaint and purposely deflected providing me answers in their most recent correspondence. 

My request was specific. The alleged debt was not verified. A correspondence letter was sent on XX/XX/2021. 

I, XXXX XXXX did not conduct any business with the above company in the past or currently. In addition, they have violated my privacy. I did not sign any forms authorizing National Recovery Agency to access any information pertaining to me. 

I have been violated and will be turning this matter over to the office of Civil Rights ( OCR ). 

This is not a refusal with regard to payment of an alleged debt, but a request that the above claim is disputed and validation requested ( FDCP 15 USC 1692g Sec 809b ) be executed. 

I have requested that National Recovery Agency verify this debt and send me all contracts and documents between myself and their organization bearing my signatures. 

This has a severe negative affect on me as a consumer and is violating the FCRA. This is jeopardizing my reputation as a consumer.
Product: Credit card

My Total card account ending in XXXX, was charged a {$41.00} late fee and interest adjustment on XXXX. I was not late on my payment because I paid {$80.00} on XXXX. This company is always trying to added bogus charges to your account.
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. 

HERE ARE SOME ACCOUNT NAMES AND # XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX & XXXX, 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 XXXXXXXX 15 U.S.C 1681 section 602 A . States I have the right to privacy.

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

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

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 168XXXX. 

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 XXXX 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

Experian is reporting inaccurate and incomplete credit information. The credit report Experian provided shows a history of payment or payments being made late that are not proven and are incorrect. I have contacted the creditor and they have stated that they are unable at this time to document these payment irregularities, by omission the creditor is in direct violation of the FCRA-tort law example : Fields v. Wilber Law Firm, Donald L. Wilber and Kenneth Wilber , USCA-02-C-0072, 7th Circuit Court , Sept. 2004.
Product: Debt collection

I HAD A LEASE VEHICLE THROUG XXXX XXXX WHEN I WAS A XXXX DRIVER I TURNED THE CAR BACK IN THE MONTH OF XX/XX/2018 AND I DID'NT OWE ANYTHING THE COMPANY WAS TAKEN OVER BY XXXX XXXX I READ THROUGH A POST I FOLLOW CONCERNING XXXX DRIVER FAST FOWARD TO NOW I WAS CONTACTED BY RECIEVABLES PERFORMANCE MANAGEMENT ON BEHALF OF XXXX XXXX XXXX XXXX STATING THAT I OWE XXXX AND THAT'S UNTRUE I OWE THEM NOTHING BUT THIS COMPANY XXXX XXXX NEVER TRIED TO REACH ME ABOUT ANY DEBT AND I HAVE BEEN AT THE SAME ADDRESS FOR YEARS I FEEL THEY WERE BEING VERY DECEITFUL NOW THIS COMPANY THEY HIRED HAS PLACED THIS ACCOUNT ON MY CREDIT UNFAIRLY AND I AM STRESSED OUT SO PLEASE HELP.