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

To Whom It May Concern : 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. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 


2. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete from my credit report.

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 


4. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS CONNS Account Number : XXXX Please remove it from my credit report. 


5. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX  Account Number : XXXX Delete from my credit report. 


6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 


7. there is some inaccurate information reporting XXXX XXXX Account XXXX : XXXX Delete from my credit report. 


8. there is some inaccurate information reporting XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 


9. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account.. 


10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Please remove it from my credit report. 


12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


13. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


14. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


15. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


16. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


17. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax reported " active duty alert '' on my credit file in error as I am not in the military. 
When I contacted equifax, I was told that the error will be fixed in 24-48 hours. 
24 hours later I noticed that all my positive accounts disappeared and were replaced by derogatory accounts that did not belong to me. 
I contacted equifax again and they could not figure it out and I got a run around for over a week. 
On XX/XX/XXXX upon calling them continously for days, I was told that somehow my information was split and that due to a glitch all my accounts were suppressed. The csr was kind enough to reach office of consumer affairs and got my positive account history back. 
During this corrections, there were two negative accounts that were added that I did not recognize along with a gazillion inquiries. 
I was not provided any written notification of the glitch and the glitch has caused me financial harm thus far. 
The " active duty alert '' is back on my report along with numerous inquiries and 2 negative accounts that I do not recognize.
Product: Debt collection

Calls from different XXXX numbera daily. Harassing me. Asked them to stop they continue. Refusing to tell me who they are. Making me identify myself without them tellikg me who they are. Asking for my social. Smart tone
Product: Credit reporting or other personal consumer reports

The following creditors no longer own the accounts they are reporting, they have sold them. As per federal, state FCRA and FDCPA laws and terms and conditions, you must own an account to report to the repositories, ( TRANS UNION, XXXX, XXXX ). 
Therefore, you must delete these entries, to comply with the Law. 

Please remove the following account for non-compliance : 1 ) XXXX XXXX  : ACCOUNT # DOES NOT EXIST 2 ) XXXX XXXX XXXX XXXX XXXX : ACCOUNT # DOES NOT EXIST 3 ) XXXX XXXX XXXX XXXX XXXX : ACCOUNT # DOES NOT EXIST
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous communications regarding the fraudulent items present on my credit file. Despite previous attempts to address this issue, the fraudulent items have not yet been removed from my credit report. This situation is deeply concerning as it negatively impacts my creditworthiness and financial standing. 

I urge you to take immediate action to rectify this matter by removing the fraudulent items from my credit file. These inaccuracies pose a significant risk to my financial well-being and must be addressed urgently. 

Furthermore, I kindly request regular updates on the progress of your investigation into these fraudulent entries and the steps being taken to prevent similar incidents in the future. With this, I am asking for your assistance to remove fraud items in my credit file : XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX SD XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$5500.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX.
Product: Credit card or prepaid card

Several years ago I was a Discover Card Holder within a few weeks Discover closed the account because my credit score was lowered due to Fraudulent activity. I paid the account in full never late. Fast Forward to XXXX Discover pre approves me but when they finalize everything they advise me because of that old account we can not grant credit. Its not right or fair. Account was never late and paid in full.
Product: Debt collection

First and only call I personally made to this company to attempt settling debt, the call recipient who identified as a " debt collector '' threatened me with legal action for attempting to settle the debt for less than it's worth. Out of fear, I haven't attempted to settle said debt since, nor have I contacted them since. 

The call was placed in XXXX. Between months of XXXX to XXXX. It's the only call I made out to the company, and the only time I've spoken with them period. No other communication has been had since the threat was made. There should he record of the single phone call that was made. 

Since then I've disputed the account several times. The most recent dispute, it was because the account was deleted and then reappeared on my account for no apparent reason, damaging my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Balance : {$6000.00} XXXX XXXX Balance : {$460.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$530.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$810.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$5000.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}.
Product: Debt collection

Original loan was in XXXX. GCFS, Inc.has continually called my place of employment, family members, non-family, acquaintances stating that I have a warrant. The police are coming right now you better get her on the phone. They called my work, XXXX XXXX XXXX XXXX starting in XXXX and continue to call presently. They called them on several occasions all day telling my employer I was a criminal and the police are coming. I had to prove to my employer I was not with court documents. They continue to call to this day and I do n't work there, I paid off what was agreed with XXXX XXXX in XXXX. On top of all of this illegal action they are trying to sue me again. This judgement was to be released which it was, now I get a letter saying I owe XXXX. I called the court and she said they re-filed. How is this even legal. I have multiple witnesses of this illegal action which almost cost me my employment and continues today.
Product: Debt collection

This information reporting on my credit profile is inaccurate and I would like you to validate that it belongs to me. Per the accounts below : EXPERIAN : XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX {$2000.00} Account number XXXX Collection opened XX/XX/2018 XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  {$2900.00} Account number XXXX Collection opened XX/XX/2018 XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$4800.00} Account number XXXX Collection opened XX/XX/2018 XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$200.00} Account number XXXX Collection opened XX/XX/2018 2018
Product: Mortgage

The mortgage was transferred twice and Freedom Mortgage misapplied monthly payments under " principal '' and " unapplied ''. I talked with several representatives from XXXX to XX/XX/2019 who finally were able to apply the monthly payments correctly, however they incorrectly reported late in XXXX. The payment was NOT late they had the money each month just misapplied. I have called Freedom Mortgage twice and each time they say a supervisor will call me back and they never do nor do they correct the late payment on my credit.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX To Whom It May Concern, Subject : Inaccurate Credit Reporting Request for Immediate Deletion ( 15 USC 1681s-2 ) I am writing to formally notify you of an ongoing issue regarding inaccurate information reported by your company to the credit bureaus, which violates the Fair Credit Reporting Act ( FCRA ). As a furnisher of credit information, it is your legal responsibility to ensure the accuracy and integrity of the data provided. 
The specific account in question is as follows : Account Name : [ XXXX ] Account Number : [ XXXX ] Current Reported Balance : [ {$5400.00} ] It is my understanding that this debt was charged off by your company, and I have reason to believe that a Form 1099-C was issued, which memorializes the cancellation of this debt. According to IRS guidelines, a debt cancellation through a Form 1099-C should no longer reflect as a balance on my consumer credit report. The continued reporting of this balance is therefore inaccurate and misleading.

This inaccuracy constitutes a clear violation of the FCRA, as you are required to report only truthful and accurate information. With full knowledge of this error, you are obligated to correct it immediately. 
To rectify this matter, I request that you provide me with the following : 1. A return of the time and form prescribed by regulation or the Secretary, including : o My name o My address o My Tax Identification Number ( TIN ) o The date and amount of the discharged/charged-off debt o Any other relevant information as required by the Secretary If you are unable to provide the requested documentation and proof, I demand that this account be removed from my credit report in its entirety. Failure to comply with this request may result in legal action, as I will not hesitate to engage retained counsel to protect my rights under the FCRA. 
Please respond promptly and confirm the actions taken to correct this issue. All correspondence related to this matter should be sent to the address listed above. 
Thank you for your immediate attention to this matter. I look forward to your prompt and favorable resolution. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX : XX/XX/XXXX SSN : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of the following unauthorized or inaccurate credit inquiry from my credit report. Upon reviewing my credit report, I noticed these inquiries listed that I did not authorize. The credit bureaus have listed these on all 3 credit reports several times. I have even requested a method of validation and didn't receive anything. 

The details of the inquires in question are as follows : XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX ( Reported several times on the same day ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX ( on my reports several times ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - No date listed XXXX XXXX - No date listed I have thoroughly reviewed my records, and I can confirm that I did not authorize these inquiries. Most of these inquires are on my report SEVERAL TIMES and on the SAME DAY. According to the Fair Credit Reporting Act ( FCRA ), under 15 USC 1681. I have the right to dispute any information that is inaccurate or unverifiable. Also under section 605B it is illegal to report anything on my credit report without my permission and I didn't authorize these inquires. I have already contacted the original creditors who pulled my credit report and filed a dispute with them and and now with the CFPB. I kindly request that you investigate this matter and remove these inquiries from my credit report as it does not belong there.
Product: Consumer Loan

Equifax credit reporting need to remove the Bankruptcy they have on my credit report because it was dismissed in XXXX without prejudices it was filed in XXXX. I talked to bankruptcy court they have nothing to do with sending it to Credit reporting companies. The other credit reporting have no information against me. I tried to have Equifax remove it. I have had XXXX hard hits against my credit report. Please help me.
Product: Mortgage

On XX/XX/2019 I spoke with XXXX XXXX with Loan Depot. He and I talked about an equity line of credit on our home and maybe a refinance. On XX/XX/2019 I received an alert from my credit monitoring service that there had been a hard inquiry on me. I looked and it was from XXXX -- also known as Loan Depot. So, I sent XXXX an email because I absolutely could not remember giving him permission to pull a hard inquiry, only permission to pull a soft copy. Well, turns out I did give him permission to pull a hard inquiry-only that is not what he called it. He called it a tri-merge credit pull. He apologized for not making clear to me what he was doing. That is a very misleading thing to do for customers. I told him that was misleading and that I was filing a complaint. He asked me " WHY ''? I took a ding on my credit and my husband 's credit because I didn't understand what he meant. I'm writing this because I want every one else to be aware of what they mean when they say tri-merge credit pull. So, now I have to plead my case to the credit bureaus and hope they remove it -- had I known I wouldn't have agreed to do that.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts reporting on my credit report that don't belong to me. I contacted Equifax, XXXX, & XXXX  multiple times. I sent in my initial complaint on XX/XX/2020. I didn't hear back from them in 30 days so I sent a demand to comply and still haven't gotten any responses. The demand to comply letter was sent XX/XX/2020. I have attached the letters that I sent to the credit bureaus.
Product: Debt collection

calling during my work hours i really feel like they wear harassing me caused me to go into XXXX  for a while i feel i should accommodated
Product: Checking or savings account

On XX/XX/XXXX I deposited a XXXX  check sent from my personal injury attorney for a car accident settlement via mobile deposit. While waiting for it to clear, Citizens Bank sent me a Notice of Delayed Funds Availability letter. The letter states the following : We are delaying the availability of {$13000.00} from this deposit. The funds will be available on XX/XX/XXXX, the XXXX business day after the date of your deposit, We believe that a check you deposited will not be paid because : Some of the information on the check is not consistent with other information on the check. 

On the XX/XX/XXXX The funds were still on hold. I then provided Citizen 's Bank with the Settlement Release Agreement, email correspondence and the contact information to confirm with my attorney and my funds still were not released to me. 

On XX/XX/XXXX I received a letter informing me of an additional hold until XX/XX/XXXX stating 'Some of the information on the check is not consistent with other information on the check. '' 1. The check doesn't have any inconsistent information on it. 
XXXX. The check has been cleared with XXXXXXXX XXXX already. 
XXXX. I have provided sufficient enough evidence that the check in NOT fraudulent. 
XXXX. I have had a Saving account with Citizens for 2+ Years before opening a Checking Account. 
XXXX. I do not have a local branch in my city or any distance close to my house. 
XXXX. I have bills that need to be paid immediately. 
XXXX. I've had to cancel a plane ticket and travel arrangements due to the check hold. 

I wish to have my funds released as soon as possible by Citizens Bank. 

Please help. 

Thanks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX
Product: Money transfer, virtual currency, or money service

My complaint about Bank of America is the following : I made an online wire transfer to a foreign Bank XXXX for my mother on XX/XX/XXXX, for {$4400.00} dollars. The representative advised me that it would take 4 to 5 business days, for my mother to get the money. I spoke to my mother 7 days later and she had not received the funds. I called Bank of America again and they didn't know what to tell me. I checked the transfer details again and the last two numbers of the beneficiary 's account were wrong. On XX/XX/XXXX, I called Bank of America again and told the representative what I noticed about the transfer details and I requested my money back. The representative told me the transfer request would be cancelled/recalled they gave me case number XXXX and said they would be in contact with the foreign bank about returning the money. It has been 2 months and I am still waiting for my money. I have made numerous calls to Bank of America, only to be given the same excuse as to why I dont have my money back. 
All Iam told is that they send a request to some mediating bank ; they dont even tell me who the mediating bank is. The mediating bank then contacts my mothers bank, XXXX to request the funds back. We have contacted XXXX Bank and they have told us over and over again that it is not up to them to return any money because if the account information was wrong, they would not be able to receive any funds for my mother. XXXX Bank representatives continue to tell me that it is the responsibility of Bank of America . 
I feel we have been patient enough and I need my money. It is not {$4.00} dollars it is {$4400.00}. Please let me know what else I need to do to resolve this. We are very concerned about this situation because there was information on the local news that Bank of America is under investigation. If any of it has to do with my current problem with them, I hope you can help.
Product: Credit reporting or other personal consumer reports

This is a formal complaint and dispute regarding an unauthorized credit inquiry on my credit report, which appears to be in violation of Section 1681b of the Fair Credit Reporting Act ( FCRA ). This section strictly limits access to consumer credit reports to specific permissible purposes, none of which apply in this case. The inquiry in question is as follows : Company Name : CBNA Date of Inquiry : XXXX Credit Reporting Agency : XXXX I did not authorize this inquiry, nor did I have any existing relationship or transaction that would justify the accessing of my credit report by this entity. My rights as outlined under Section 1681b have therefore been violated, and I am requesting immediate corrective action
Product: Credit reporting, credit repair services, or other personal consumer reports

My late payments should not be on my consumer report as recorded with federal law. Also theres inaccurate information being reported from the same person they report. On my report for the car loan and late payments. Experian shows 2 30 days and XXXX shows 3 30 days as well as Experian shows 2 90 days and XXXX shows 1 90 days. More information being wrongfully reported the term length on Experian says 78 months and term length on XXXX is blank. Last payment on Experian says XX/XX/XXXX and on XXXX says XX/XX/XXXX if they getting that same information from the same person why everything isnt adding up not only not adding up. Information thats not suppose to be reported without my written consent is being reposted ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Credit reporting, credit repair services, or other personal consumer reports

One of my reported addresses is the post office physical address in XXXX South Dakota. I have a mail box inside the building and I also use my physical street address when I correspond with companies.
Product: Debt collection

In XXXX of XXXX, Americollect sent me a debt collection notice. Within 30 days I responding disputing the validity of this debt. I had just experienced identity theft in XX/XX/XXXX, I wanted to be sure the debt was valid because I am in good standing with XXXX and never received a bill from them. I never heard back from Americollect and they stopped calling for 6 months or more. I never received any additional mail from them. Now they are putting this on my credit report, which is illegal. The debt was in dispute originally with no response from the company. How can they put this on my credit? Ive never had one late payment ever, no collections. I had over an XXXX credit score which has since dropped over XXXX points. This is going to cost me money now because Im just about to apply for a mortgage!