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

The List of accounts, address below has violated my federally protected consumer rights privacy and confidentiality under 15 USC1681. 


( XXXX ) Accounts : XXXX  XXXX XXXX Account # XXXX # XXXX, XXXX XXXX XXXX Account XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 


Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nv XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Ca, XXXX, XXXX XXXX XXXX XXXX XXXX Ca, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Beach Ca, XXXX has violated my rights. 

I looked at my Experian, XXXX and XXXX Report credit report on XX/XX/year>, and noticed some things are inaccurate due to my identification being compromise and according to the fair credit reporting act 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 according to FCRA 605B ( 15 U.S.C. 1681c-2 ), And according to 15 USC 1681 ( 5 ) they are supposed to do this ( 5 ) Treatment of inaccurate unverifiable information ( A ) In generally, 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- ( 1 ) 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 promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer and according to FCRA 605B ( 15 U.S.C. 1681c-2, ( 15 U.S.C. 1681c-2 ) they are supposed to 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.

Please block this information from my credit report, pursuant to section FCRA 605B ( 15 U.S.C. 1681c-2 ) of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information.

( 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 then 4 business days after the date of receipt by such agency Experian, XXXX, XXXX. 

A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B, 15 USC1681c-2, of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 


I appreciate your prompt attention to this matter and await your reply. 



Respectfully, XXXX 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 Name : 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 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 or other personal consumer reports

To Whom It May Concern, This Is my Third written request for Method of Verification. Your company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPBXXXX XXXX, Attorney General, and Secretary of state. These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be Deleted Immediately. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. I demand the following accounts be removed immediately. Account Number : 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 XXXX XXXX XXXX XXXX  Delete this account. 

I will take any answer that is not a DELETION of these accounts as negligence by you! I have been in communication with you all for way too long for these errors to still be on my report! My next step is lawsuit!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted paperwork to Equifax to have some fraudulent accounts removed from my credit report and Equifax has not done anything with it.
Product: Credit reporting, credit repair services, or other personal consumer reports

The collection listed on my reports is totally incorrect. I signed up for a 90 day membership and only received 30 days of service, yet I'm being charged for the entire 90 days which is deceptive and not lawful. When I refused to pay, the company owner got angry and purposfully opened a collection against me even after I gave multiple attempts to come to a civil agreement which were all ignored. That being said, In accordance with the Fair Credit Reporting act XXXX  Account # 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
Product: Credit reporting or other personal consumer reports

My accounts was breeched and my personal information was exposed for the 3 credit bureaus XXXX, XXXX XXXX XXXX XXXX. I was informed I would receive an email regarding the settlement by the monitoring agencies that were found liable for damages,
Product: Credit reporting, credit repair services, or other personal consumer reports

Improper inaccurate reporting.
Product: Mortgage

Good morning, this complaint is about fees owed at closing of my home in XXXX i purchased this home XXXX and sold it XX/XX/XXXX at closing i was informed of a third mortgage ( partial claim ) that was submitted in XX/XX/XXXX without my knowledge. i believe that WF fraudulent submitted a claim on my behalf without my knowledge. as looking back at he previous complaints, in XXXX was concerning HOA not Wells Fargo. the day of closing when i sold this property there was an estimated XXXX that i had to pay to XXXX XXXX XXXX, HUD. at this time i was current with all mortgage payments and the lien ( HOA ) was satisfied. 
NCHFA also provided payments to WF in XXXX ( see attachment ) also WF took a form from XXXX for hardship and made it look like i had requested help in XXXX on the hardship form, there is no signature or date ( you can visibly see lines where they copied it onto another document and computerized the date ) i didn't need a partial claim. i have requested this info from them on 3 different occasions, no response. 

" 1. I am requesting a printout of all monies received from the NCHFA 2. All payments made from myself XXXX XXXX XX/XX/XXXX ( when the property was sold. 
3. Copy of the partial claim you filed because of loss mitigation in XXXX '' current day, no info provided. 
WF never provided where the monies from NCHFA went towards. nor proof of the monies to bring me current XXXX. 
again why was a partial claim submitted and a robotic signature was used to sign the fraudulent claim original date of purchase XX/XX/XXXX {$130.00} sold XX/XX/XXXX Paid roughly {$150.00} this was more than what i bought the house for. 
i am requesting all my monies back from closing with interest
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

Account : XXXX XXXX XXXX Account number : XXXX Date opend : XXXX XXXX Balance : {$410.00} Contact info : XXXXXXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, UT XXXX Phone number : ( XXXX ) XXXX Account : XXXX Collections Account number : XXXX Date opened : XX/XX/2021 Balance : {$1800.00} Contact Info : XXXX XXXX Address : XXXX XXXX XXXX XXXX, UT XXXX Phone number : ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reportin a lot of innacurate information on my report which is a clear violation of the FCRA. I have tried to have this account fixed to no avail. 

It is reporting to XXXX and Experian but a lot of contradicting information there is no way that they that they can validate this debt as it is reporting completely innacurate they are in violation of my rights. 

Account type is reporting as joint for XXXX and individual for experian. XXXX  is reporting a monthly payment of {$260.00} and experian is reporting {$0.00}. XXXX is reporting the date opened as XX/XX/XXXX and experian is reporting XX/XX/XXXX. XXXX  is reporting the last reported date as XX/XX/XXXX and experian is reporting XX/XX/XXXX. XXXX is reporting date last active as XX/XX/XXXX and experian is reporting XX/XX/XXXX. As you can see
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  HAVE FRAUDULENT INQUIRIES ON MY CREDIT REPORT FOR THE DATES LISTED : XX/XX/XXXX - XXXX XX/XX/XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO. THIS HAVE TO BE AGAINST THE LAW.
Product: Debt collection

I 've provided the original company with the identity theft affidavit from over a year ago and they just continue to push it off onto new collection agencies. 

When the affidavit of identity theft was filed, the XXXX collection was coming from XXXX ( {$400.00} at the time ). It is now with Credence ( at {$400.00} ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In reviewing my credit report, I found that there were several fraud accounts and addresses listed on it. I will list the accounts and the amounts also the addresses. 

XXXX XXXX  XXXX Opened XX/XX/XXXX and amount {$1400.00} Addresses : XXXX XXXX XXXX , XXXX GA XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX GA
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I notice inaccurate information on my credit report. I disputed it XX/XX/year> and received no response. I have proof its inaccurate which you can see on page XXXX of XXXX account. 
Bankruptcy XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

In XXXX of 2019, we received a loan estimate detailing how much we'd owe for down payment on a conventional loan. We decided to switch to a FHA loan after selling our condo to lock in a lower fixed interest rate and reduce cash to close. In early XXXX, we received our first FHA loan estimate stating we needed XXXX cash to close. Given this amount, we decided to finance some of this amount to get to a lower cash to close amount of XXXX. Unknowing to us, the loan officer made a mistake to the amount of the seller credit and had been showing the incorrect amount to us since early XXXX. We are scheduled to close on XX/XX/XXXX and just found out XX/XX/XXXX of the error and are being asked to bring XXXX cash to close with only 6 days notice. We feel this is completely unfair to us and had we known in advance, we could have planned differently and might have made difference decisions. 

At this point, NVR Mortgage/XXXX XXXX is recommending a 5/1 ARM FHA loan to return the amount of money we were paying to lock in the interest rate. Of course this comes with a {$40.00} increase in payment per month because of the interest rate differences and we'd still have to come up with roughly XXXX more than what was on the estimate. This is definitely better than XXXX but the company doesn't appear to be assisting in an error they created and we are being asked to pay for their mistakes by taking a higher interest rate, paying more money cash to close, losing a fixed interest rate, definitely needing to refinance, etc. 

The other option is to stay with the same fixed rate and they reduce the loan amount ( points ) we pay in half from XXXX to XXXX. This will save us XXXX but we are still looking at paying roughly XXXX more than what was on the estimate. I understand that estimates are not perfect but you dont expect them to be XXXX off and we feel completely blindsided by this. I even shared with the loan officer that something similar happened to me before and he assured me that his estimates are never off this much yet I find myself in the same position. Its not so much about the money than it is about doing what's ethical. If you make a mistake, you should do what you can to resolve the problem and I dont feel NVR Mortgage/XXXX XXXX cares to do that at this point.
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 : # 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 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: Credit reporting or other personal consumer reports

I formally request for the removal of fraudulent items from my credit report, which are inaccurately reflecting my credit history due to identity theft. I have thoroughly reviewed my credit report from your agency and have identified instances of fraudulent reporting that I believe require immediate attention and rectification. It has come to my attention that I have been a victim of identity theft, and the reported fraudulent items are a result of this criminal activity. I have taken immediate steps to address this situation, including filing a police report and notifying the relevant authorities.I request your urgent assistance in investigating and rectifying this fraudulent activity on my credit report, in accordance with the Fair Credit Reporting Act. I kindly request the removal of the fraudulent items associated with the mentioned items, as it is negatively affecting my credit history and financial well-being. I am aware of the legal requirement for credit bureaus to investigate and respond to disputes within 30 days. These are the following fraudulent items that I want to removed of : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The following accounts, i never applied for, and they are fraudulent and unauthorized accounts : XXXX XXXX, XXXX, XX/XX/XXXX, XXXX XXXX, XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX.
Product: Debt collection

Im confused to why kimball sold my debt XXXX XXXX  XXXX  but theyre still showing on my XXXX  report twice and one time on my XXXX
Product: Credit reporting or other personal consumer reports

On Wednesday, XX/XX/year> applied at Preserve XXXX XXXX main front office ( I am current resident under different private owner ) and was told application was pending approval Conditional w/ double deposit on XXXX XXXX XXXX, I received email both I and roommate ( my brother ) were denied by RESOLVE PARTNERS tenant screening due to collections account. After review of my XXXX credit it only shows XXXX collections and XXXX installments ( XXXX - student loans XXXX secured bank loan ). However, on the tenant screening report that RESOLVE PARTNERS sent to me included in a scorecard were XXXX collections at which point this was cause for DENIAL of my rental application. Income and Background check passed. As well as no Eviction history. As so did Income and Background check pass for my brother. After speaking with an agent at RESOLVE, she stated it is averaged out. I explained if it was based on average than it should have Passed or been Conditional ( as I was told on XXXX that's what was pending ) and not a FAIL, FAIL, as there were more Pass and Conditional than Fail. It is my information and belief that I was treated unfairly and victimized by bias and abusive business practices. Especially given if the Income and Background check passed. Again, I was told it was pending Conditional with a double deposit of {$530.00} nonrefundable. Then on XXXX XXXXXX/XX/year>, I was blindsided to be outright denied, is evident this was unfair. On Monday XX/XX/year>, I called RESOLVED and asked them to allow me re-access to the Tenant Scorecard, however, this report is now showing they pulled XXXX and not XXXX, evident of discrepancy, because on XXXX, the report was XXXX, which is what prompted me to question the validity of the reporting they received. Also in addition, the XXXX had a XXXX, as so did my other reports. When I reviewed the report, it shows RESOLVE was allowed to override the freeze UNDER A VALID EXEMPTION PROVISION. As a result, of this decision, I had to extend my current lease for an additional XXXX days to avoid being homeless, as I was just currently received a XXXX diagnosis and my family and I were in support of helping me move into a bigger apartment to help support my XXXX journey toward healing and survival. I did attach my XXXX credit report on the first Complaint I sent. And now I am resubmitting this second complaint adding my XXXX summary again and the new XXXX tenant score card that RESOLVE PARTNERS sent ( the original they submitted to me on XX/XX/year> was XXXX not XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit Bureau has violated the Law and the FCRA by XXXX the XXXX accounts below inaccurately on my credit report. I demand that the Credit Bureau removed the to accounts listed below from my credit reports immediately Ive never opened an accounts with neither of the creditors ever before : XXXX : XXXX XXXX XXXX Account number : XXXX Name : XXXX XXXX XXXX Account number XXXX, has XXXX XXXX XXXX. 

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: Student loan

I am a XXXX XXXX and am trying to use my limited free time on scant off-days to get answers about why my payment amounts have not started and why they have resumed at {$0.00}. I've spend hours trying to get in touch with them and their website is largely unusable. These are tactics that are predatory and while I ( XXXX XXXX  ) know how to navigate complex systems, not everyone is so lucky, and this is how people end up defaulting or facing penalty fees. MOHELA had MONTHS to scale up their workforce in anticipation of the influx of calls, but chose not to.