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

XX/XX/XXXX I attempted to get my free credit report with Equifax and was instructed that I would need to contact them by mail or phone to request my annual credit report. 

On XX/XX/XXXX I attempted to set up and access an online Equifax Account to setup and manage my credit freeze and fraud alert that I am entitled to due to being a victim of Equifax data breach XXXX. I could not set up my online account and was given error code XXXX to mention to the representative. I called Equifax at the number provided and despite verifying my identity and troubleshooting with the agent, my request to get setup was unsuccessful. I was informed that there was a case created and to give Equifax XXXX business days and I should be able to setup an online account to be able to setup and manage the fraud alert and credit freeze and that someone may or may not call to update me as to when it was complete. 

On XX/XX/XXXX I attempted to get my annual credit report as well as setup an online Equifax account for my free credit monitoring with the fraud alert and credit freeze with no success. Instead of calling I mailed a copy of Equifax Dispute Form and Equifax Free Credit Report Request Document, along with both forms I submitted copy 's of my State Driver 's License, Social Security XXXX, Utility Bill along with the type written letter stating such. 

On XX/XX/XXXX I called Equifax due to not being able to setup an online account or access my annual credit report and was informed that they had only received partial documents not all that were mailed and I would need to send a copy of my social security card again. I informed him that I mailed XXXX sets of documents to XXXX separate addresses and that I hadn't received correspondence from either stating such and that I would not be re-sending the same documents as I was skeptical at this point about Equifax, as I have to send them my personal identifying documents at the risk of being stolen or lost at Equifax by an employee again. Seems kind of untrustworthy of a company that has access to the most critical personal and vulnerable identifying information that has already been breached. I should not have to send in personal identifying information twice, especially given the identification verification I have to go through just to speak with someone. 

As of XX/XX/XXXX I have not receive any correspondence from Equifax. I can not setup nor access the settlement entitled claim benefits or any Equifax online account or free credit report.
Product: Checking or savings account

XX/XX/2018 checked my online account making sure no auto payments went through called customer service to confirm what Ive seen on my end she sees on her end. My account in positive. I didnt want any surprises. It was XXXX in Hawaii and Im expecting a direct deposit by or before midnight. XXXX I check online app again I see - {$260.00} Something, not sure of change. Called Bank of Hawaii and after entering my information it tells me my balance is {$50000.00} something in change. I go back to my online and Im locked out I have to reset password and get back in and in the meantime Im waiting on hold for a customer service representative. She finally answers me before midnight I let her know whats happend and I finally get back in online it shows me my balance at {$740.00}. I let the representative know I called in on purpose to make sure this Wouldnt happen again me paying an overdraft fee {$26.00} and my bank rejected my payment sent back unpaid! I was on track monitoring my back how they been deceiving me and taking my money every week! Im positive theyre doing it to everyone. I need your help to get to the bottom of this and exposing them.
Product: Credit reporting or other personal consumer reports

I paid off my capital one card in XXXX and I still have a outstanding balance due on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Payday loan, title loan, or personal loan

Back in the XXXX  or there about we took a loan out for XXXX for home improvement loan. The original loan was not with Wells Fargo but when we paid it off and we paid it off early Wells Fargo took over the loan I dont know when they took it over but after paying off the loan early they said we still owed XXXX XXXX  I couldnt believe what I was hearing but I did get a local lawyer involved and he got it reduced to XXXX XXXX I still cant believe I still owed money after paying off the loan. I just heard on the news about a lawsuit that Wells Fargo was buying loans and maybe mismanagement Im wondering if I can see if I can get my money back I know its a long shot but just hoping there is some justice for me.thanks for any help
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute Unlawful Reinsertion of Fraudulent XXXX Credit Card Accounts To Whom It May Concern, I am formally disputing the unauthorized reinsertion of two fraudulent XXXX credit card accounts on my TransUnion credit report. These accounts were previously investigated, confirmed fraudulent, and permanently deleted on XX/XX/year>, in accordance with the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), which prohibits the reinsertion of deleted accounts unless certified verification is provided. 

I recently contacted the XXXX Fraud Department, and they confirmed that they did not request the reinsertion of these fraudulent accounts. Additionally, these accounts remain permanently deleted from both my XXXX and XXXX credit reports. TransUnions decision to reinstate these accounts without legal verification is a direct violation of FCRA, 15 U.S.C. 1681a ( a ) ( 5 ) ( B ). 

Furthermore, I have provided both an Identity Theft Police Report and an FTC Identity Theft Affidavit, which legally establish that these accounts resulted from identity theft. Despite this, TransUnion has continued to unlawfully report these fraudulent accounts, raising serious concerns that this is a deliberate attempt to sabotage my credit profile. 
I demand that these fraudulent XXXX accounts be immediately and permanently removed from my TransUnion credit report, with a written confirmation of deletion, as required under 15 U.S.C. 1681i ( a ) ( 6 ). If TransUnion fails to comply, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my states Attorney Generals office for further investigation and legal action. 

I expect immediate action and full compliance with federal law. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Good afternoon. I am writing to dispute two collections listed on my credit report, which I believe to be incorrect. The collections with the numbers : XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Chase bank has a hard inquiry on my XXXX  credit report that I did not authorize. I do not know how the organization has an inquiry on my credit report because I have a fraud alert attachment to my credit report to contact me if anyone tries to apply for credit. They never contacted me. I have disputed with them since XX/XX/2019 when XXXX XXXX alerted me about the inquiry and the hard inquiry has yet to be removed from my XXXX  credit report.
Product: Debt collection

15 U.S Code 1681 - 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. 


Numerous actions have been taken FTC, XXXX, CFPB, Police Report, Disputing with both agencies all in which have failed involving a debt that isnt owed by me from XXXX XXXX XXXX XXXX totaling {$680.00}!
Product: Credit card or prepaid card

I mailed Capital One a letter requesting validation and the current status of this account and I have yet to receive a response. I am seeking info on if this alleged account is charged off and/or has it been transferred to a different company.
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. 


Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 or credit management

Hello in XXXX I wanted to work on my credit I was about XXXX or XXXX XXXX in debt but I felt like with help I could get everything paid off and repair my credit so I called XXXX XXXX gave them my info I thought they were going to help me I set up a payment arrangement for XXXX a month and in return got nothing i paid this for at least 6 months to a year I didnt hear from them much they would send me emails but nothing in the emails were anything g about how they were helping me fix my credit it never showed any change I finally called and asked them about my account the person I spoke to told me that I needed to call them to let them know how fast I wanted to clean up my credit I asked what my money went towards they couldnt tell me I know this has been along time ago and I dont have much info other than the name of company I tried to get them to help me get my account info but they would not help me they did nothing at all for me Ive sent emails Ive called Im sure I can find records of where they were taking XXXX monthly off my card Im on a fixed income and the more I think about it Im really upset because I didnt have the extra XXXX a month at the time I was raising my XXXX grandchildren and had a daughter of my own I dont have any records of it because it was all done online and email but I can get where my payments came out I dont want this to happen to anyone else they wont even give me the info to get into my account I just want my money back or show me what youve done for the money
Product: Credit reporting

On XX/XX/2016 all hard inquires were deleted from my credit report. I pulled my report a few days ago and all inquires have reappeared on my Transunion credit report and my credit score has decreased due to the inquires reappearing.
Product: Mortgage

I received an email this morning from my mortgage company Primary Residential Mortgage, XXXX XXXX. She stated that she tried to contact me by phone and wanted an update on my XXXX Mortgage. I emailed her back let her know I was unable to call her back after work. At XXXX est, she emailed me again requesting an update and asking if I was still occupying the residence. Really, I am late 19 days on my mortgage,. I called her provided my banking information and asked her " why did you ask if I was occupying the residence? '' she stated to update her records, I believe that she was using it as a scare tactic. No one for the last 2 years ( Making timely payments ) has ever called or inquired about updating my account. Poor Service, using scare tactics. I thought the CFPB would want to know, what type of mortgage company Primary Residential is and how they treat consumers.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, and several accounts and inquiries reported on my credit report are fraudulent and do not belong to me. As such, I am requesting that these fraudulent accounts and inquiries be immediately blocked and deleted pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ).

Below is a list of the accounts and inquiries that I request
to be deleted : Fraudulent Accounts : XXXX. XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX XXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1100.00} Fraudulent Inquiries : XXXX. XXXX XXXX - XX/XX/XXXX
Product: Debt collection

Under 15 USC 1681 section 602 ( a ) in 15USC 1681 section 604 ( a ). States a consumer reporting agency can not furnish an account without my written instructions. So please have them to remove those items off my credit. This the third time Ive sent letters ( 609 ). To all three credit bureau agencies some dont have it on my credit report but I ask them to remove other stuff as well. Out date information in close account. 
Thanks
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These companies are reporting fraudulent inaccurate information on my credit report. I have requested that they provide me with purchase agreement to show full ownership of such account and also other documents I may review to see the accuracy of said account. I understand my rights under 15 U.S.C. 1681 Sec. 602 A ; and 15 U.S.C. 1681 A ( 2 ). I was never notified in writing per 15 U.S.C. 1692 prior to accounts being on my credit report within XXXX  days. Moreover, these accounts violate debt collections and abusive and unfair practices under 1692f ( 1 ) ; in furtherance, 15 U.S.C 6802.
Product: Debt collection

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ROCKET MORTGAGE LLC XXXX XXXX XXXX, XXXX, MI XXXX, Dear, I agree to pay the following financial obligation regarding account number- Loan # XXXX in which I might lawfully owe, on one condition : Within fifteen ( 15 ) days of the date of this Conditional Acceptance sent certified mail return receipt requested you deliver to me the following : Provide validation of the debt, that is, production of account and the general ledger statement. 
Verification of your claim against XXXX XXXX, that is, a signed Invoice. 
A copy of the Contract binding both ROCKET MORTGAGE AND XXXX XXXX and send that letter by recorded delivery so that there is an independent witness to it having been delivered. '' A statement admitting whether you are the holder in due course or whether you are a servicer. 
A statement admitting whether you have sold my note in a pooling and servicing agreement. This is also known as securitization. 
The identity of the true holder in due course for my loan. If the loan has been securitized, the name of the XXXX my loan was sold to. 
The CUSIP number under which my loan was securitized to. 
Make available for visual inspection my original wet ink promissory note ( not a photocopy ). 
Please provide the above and If you are unable to provide this proof as I have requested within 30 days, then you admit to not being a party of interest and can not rightfully enforce your eviction claim under U.C.C. - ARTICLE 3 3-301.

Under US Code TITLE 15 > XXXX XXXX XXXX SUBCHAPTER V > 1692g part b ), this debt is now officially in dispute. By law, all collection activities must cease until this matter is resolved. You are hereby given notice. Blatant disregard for this law is subject to fines by the FTC. You are advised to consult legal counsel on this matter. 
In the event that this debt is not validated by you, as required by the Fair Debt Collections Practices Act, you have a legal responsibility to terminate the claim and correct any negative credit reporting which may have been made in connection with this alleged debt. 
Thank you, HOLMES : XXXX / [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Right
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete 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? 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.

Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ).

Please remove these unverified and incomplete items listed below : 1. 15 U.S. Code
1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 

2. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account.
Product: Credit card

Unfortunately, I have been a victim of fraud and my information has been compromised on the dark web. I was recently XXXX from XXXX of XXXX until XXXX of XXXX. When I was first XXXX I had a XXXX balance on this account. Upon being released from my XXXX my account was closed and there were no funds available in my account. I informed the credit card company that there was no way that I could have made transactions at this time because of my XXXX and somebody had assumed my identity during this period ; additionally, I provided the company with proof of XXXX  and documentation illustrating these facts. However, the credit card company still has not resolved this matter and have denied my claim stating that I had made the transactions. This is untrue as I have not given anyone permission to access my accounts and funding. The company has defrauded and this has destroyed my credit, causing me undue hardship.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX XXXX XXXX Balance : {$680.00} ; XXXX XXXX XXXX XXXX  Balance : {$360.00} ; XXXX XXXX XXXX  Balance : {$180.00} ; XXXX XXXX XXXX XXXX Balance : {$460.00} ; XXXX XXXX XXXX XXXX Balance : {$1400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an XXXX XXXX XXXX account. On my Equifax it shows the account balance as incorrect and the the months of payments are not showing up correctly. Please update this problem. 

Thanks
Product: Credit reporting or other personal consumer reports

This company XXXX IS REPORTING INACCURATE INFORMATION TO MY CREDIT REPORT EVERY TIME I DISPUTE IT THEY LIE AND SAY ITS ACCURATE I HAVE MY PROOF OF PAYING THIS ON XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT XXXX, and I'm including it once more. Please don't ignore my request to delete these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

So, since XXXX I have been trying to get this company not only to verify that these accounts belong to me, but also confirm they are accurate. Every month since I have repeatedly asked them to do an investigation into the legitimacy of these accounts as me and my son have the same name, and they continue to tell me that they are all verified as accurate and reporting correctly. Every month they send me templates telling me that what Im looking at is correct, when I can clearly see whats being reported is reporting incorrectly. It is now XX/XX/XXXX and the same accounts have not been proven verified, as I have requested proof of method of verification and again nothing. 
Obviously, a violation of section 623 that you continue to violate! 
I have attached my most recent credit report as of XX/XX/XXXX and all my other credit reports from the last 4 months. I have also attached all the accounts listed with erroneous errors that need deleted for this reason. 
My credit is being destroyed because this company will not do its job! 
Im REQUESTING the following! 
I would like the CFPB to look into the situation with this company and have the listed accounts removed for incorrect reporting and failure to comply with section 623. 
I would compensation of {$1000.00} for each violation found on every account. 
I want my personal information to read as XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XX/XX/XXXX as birthday, and XXXX XXXX XXXX XXXX place of work. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX  XXXX ( Original Creditor XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX  XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX please remove these accounts