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

On XX/XX/XXXX, and XX/XX/XXXX, I reached out to every creditor and inquired on my credit report, I hope this letter finds you in good health. I am writing to address a matter of significant concern regarding the information on my credit report. I have contacted every company listed on my credit report and patiently waited, but unfortunately, no action has been taken to rectify the discrepancies. 

I have received correspondence from both XXXX and Experian, confirming that adjustments were made, but the unauthorized inquiries were not removed. Specifically, I have identified a total of XXXX unauthorized inquiries that were conducted without my consent, resulting in an inaccurate representation of my creditworthiness. 

To assist you in investigating this matter further, I have provided a detailed list of the inquiries in question, including the dates, company names, and the respective credit bureaus : In addition to the unauthorized inquiries, I have identified outdated accounts on my credit report, which further distorts the accuracy of my financial profile. It is imperative that these accounts be rectified promptly to ensure the integrity of my credit report. Here is a list of the outdated accounts, along with the relevant details : [ Include the list of outdated accounts with dates, amounts, and actions taken ] I kindly request that a thorough investigation be conducted to rectify the aforementioned discrepancies. I expect the unauthorized inquiries to be promptly removed, and the outdated accounts to be updated or removed from my credit report. 

Please provide me with written confirmation once these matters have been addressed and the necessary corrections have been made to my credit report. Additionally, I would appreciate any documentation or information regarding the actions taken by the credit bureau or the respective companies in response to this dispute. 

I appreciate your prompt attention to this matter and look forward to a timely resolution. If you require any further information or documentation from my end, please do not hesitate to contact me at the provided email address or phone number.
Product: Mortgage

In or near XX/XX/XXXX, I applied for a reverse mortgage and was told that I was approved. I was to receive {$18000.00} cash back at closing. I received {$1800.00}. I was told on several different occasions from several different people from the XXXX XXXX XXXX and Reverse Mortgage Solutions that I would get my money but it 's not XX/XX/XXXX and I still have not gotten my money from the HECM loan.
Product: Debt collection

In XXXX XXXX XXXX XXXX owed me a refund and never paid. After getting my bank involved my claim was honored and credit issued based on the email from XXXX stating they were going to issue me a refund. Now XX/XX/XXXX I received an email from a thrid-party creditor, TrueAccord, demanding payment for a balance owed to XXXX for the exact amount. They want my telephone number, address and all of my personal information. They were recording the call and so was I but the supervisor immediately discontinued the call after I advised him I was recording. Also he refused to provide contact information so that I could escalate my issue further. The whole thing was very suspicious and I am afraid XXXX has sold my information to the dark web. I am very concerned and my information being safeguarded. I have had 5 letters mailed to me about my data being breached in the last 6 months and it never tells me which company 's data was breached! Only offering to monitor my credit.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my report and noticed an inaccurate and unauthorized account/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Product: Credit reporting, credit repair services, or other personal consumer reports

This inquiry does not make sense to me, I think this was not intentionally done. I can not remember it. 
XXXX C Date of inquiry XX/XX/2020
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Inquiries : XXXX XXXX  XX/XX/year> XXXX  XXXX XX/XX/year> XXXX  XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Checking or savings account

On XX/XX/year> I called they opened my account from deposits I made and went out to do running around and when I got home later on the XXXX I got a message that my account is closed and to call for spending and yes I made purchases so it's wasn't suspicious I had proof of my purchases but when I called they wouldn't give me information and I called 2 different times trying to see why and wouldn't give me information I asked what about my money I have in there and they said it would take weeks to get back when I have bills due my rent and kids to take care of and I moved banks to be with Chase and went to get money orders from closing my other bank to bank with Chase and it's been problems sense day one they held my money orders tell the 6th and still have one holding tell the 7th and when they opened one of them on the 6th that's when I did my running around to get house hold items I needed sense Ive been waiting over 2 weeks to use my account and then theu closed it the same day when i used it for tbe first time and with no explanation or anything i have proof of my deposits from my money orders the receipts of each one and everything i purchased on the 6th and when I contacted them also and i just want my money back so I can pay my bills the money left that i demand back is XXXX the amount i had all together was XXXX but when I did my running around i spent XXXX leaving total of XXXX and some change and had money order deposits still pending for the rest which was XXXX for the XXXX but when i used my account for the first time they closed it and its been nothing but problems sense i switched to there bank and i just want my money back to pay my bills and to never have anything to do with chase bank again its wrong and i called alot to chase and tried everything i just want my money back
Product: Checking or savings account

The Bank of America Corporate Center XXXX XXXX XXXX XXXX, XXXX, NC XXXX Dear sir, Upon the request written by your branch addressed XXXX XXXX XXXX, XXXX XXXX, TX XXXX, I write the following answers. 
Credit Card : deleted Banking accounts : deleted I enclose the copy of the documents regarding my accounts, including a joint account, which show suspicious movements. 
I have not received any report from your company regarding these accounts. 
I do not have any copies of payment regarding this file. 
Due to the sensitive file, I would like to send it to the headquarters of the Bank of America addressed above. 

Sincerely,
Product: Mortgage

I was victim of a " bait and switch '' scheme by LSI mortgage. They provided a GFE offering a 3.75 % rate for thirty years, two days before the closing date the rate was hiked to 4.875 %. 
Upon declining those terms I was harassed by one of their loan originators, XXXX XXXX, who at one point addressed me as uneducated, and even used xenophobe terms ( XXXX ). 
I have all the communications to back this claims.
Product: Credit reporting or other personal consumer reports

XXXX and Experian credit scores and information reported is inaccurate. 
XXXX and Experian do not match information reported by XXXX. 
XXXX is accurate.
Product: Checking or savings account

On XX/XX/2019 hackers gained access to my bank account and my cell phone account. 
the hackers cancelled my XXXX XXXX XXXX phone number and had that number transferred to a pay as you go phone. This phone number is attached to my Bank of America checking account. when the hackers had control of my phone number and my banking information they requested a wire transfer of {$4400.00} to XXXX XXXX XXXX. I know this because I immediately contacted Bank Of America and told them that I DID NOT authorize this transaction. I asked them repeatedly to stop the wire transfer. I was told that the wire transfer was approved by a " code '' that was texted to my cell phone. I explained to them that Hackers had gained access to my XXXX XXXX XXXX cell phone account and had control of my phone number and that any texts that were sent to my phone number in fact went to the hackers, and not myself. XXXX XXXX XXXX was very helpful on their end in helping me get my account with them fixed and getting my number back the next day. My bill with XXXX XXXX XXXX shows the cancelation on XX/XX/2019 and the the reinstatement on XX/XX/2019. 
the Bank of America claim # is XXXX. My claim was denied twice. This is NOT fair.
Product: Credit reporting or other personal consumer reports

As per XXXX XXXX XXXX XXXX XXXX and Equifax is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 USC 1640. Furthermore, they are at risk for each FDCPA infringement as per USC1692k. I'm requesting they eliminate the supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your " credit '' report is an infringement of 15 USC 16922b ( 2 ) it is likewise publicizing to certain installment. Which is illicit. I'm requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer I'm requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. Cc XXXX XXXX XXXX Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency
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 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an 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, credit repair services, or other personal consumer reports

experian is reporting late payments on my credit report. 

I recently received a copy of my Experian, XXXX, and XXXX credit report, And I noticed some late payments posted on my credit report 1.XXXX XXXXXXXX ..ACCT : XXXX late payment. XX/XX/2021 30DAYS Your company is in clear violation of the law. Under 15 U.S. Code 1681b - Permissible purposes of consumer reports. THE LAW CLEARLY STATES : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give u written instructions to furnish this late payment on my credit report? 

Furthermore, The FAIR CREDIT REPORTING ACT 15 U.S.C 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer report clearly states : ( 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 ; 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Delete the above LATE PAYMENTS from my consumer report, this agency is in violation of 15 U.S. Code 1681 Failure to respond satisfactorily with deletion of the above referenced accounts, and send out a free copy of my report after the changes have been made will result in legal action being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement Of Identity Fraud 3. Fair Debt Collection Practices Act 15 U.S. Code 1692g violations 4. Fair Credit Reporting Act 15 U.S. Code 1681 violations for willful noncompliance - 616. Civil Liability for willful noncompliance [ 15 U.S.C1681n Best Regards, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX Equifax gave negative credit report about me to XXXX XXXX XXXX, XXXX. at XXXX. 
Equifax still have on my credit report that they didn't erase or taking off ; serious delinquency, numbers of account with delinquency, proportion of balance to credit limits is too high on bank revolving or other revolving accounts, length of time revolving accounts have been established. 

But yet I have a credit score above 715..due to no late payments etc for over 15 years..
Product: Credit card

I got a Capital One credit card simply in an effort to build me credit, and rarely ever used the card, and after a year came up, there was an annual fee charged to the card. I received the statement and it said that I did not need to pay because I had it set up on automatic payments through my personal XXXX account. There was an issue with the online banking and for some reason the payment was n't going through, which resulted in Capital One putting a 30 day late on my credit report. I sent this information to Capital One and they still would not remove the 30 day late that they applied to my credit report. Please help me hold Capital One accountable to remove the 30 day late that should not be there because this is preventing me from refinancing my home.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I am a victim of XXXX data breach. I want these items deleted off my credit reports effective immediately, XXXX has already deleted these accounts and inquires off my report due to items being incorrect from the date breach I am asking TransUnion and XXXX to do the same as well. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach. Please help me delete these negative accounts and negative inquires on my credit reports : XXXX XXXX XXXX, Account Number : XXXX XXXX XXXX XXXX, Account Number : XXXX The Following Negative Inquires : XXXX ( Hotel and travel ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I do not have any open accounts with any of the following companies above or and on the dates listed above as well. 
I am attaching the proof of accounts being deleted from other credit reports, proof of data being breached through black web and data breach from XXXX. All Credit Reports by Law List the Same Accounts for All Reports to Accurate and If and When Something Is Proven to Be False or Inaccurate and Removed From one Credit Report All Other Reports Should Do the Same.
Product: Mortgage

My name is  XXXX   XXXX . I applied for the Tennesse e Housing Development PRRPLE Program.   This is a mortgage reduction program that assist homeowners who have had a major change in their life such as divorce or death of a spouse. My husband died  XXXX / XXXX /  XXXX  . Due to my loss of income, I applied for this program submitting documentation over  a 2 1/2  month period. I received a certified letter stating that my mortgage compan y, Penny MAC USA w ere not willing to accept the terms of the agreement. They wanted the {$40000.00} but only wanted to do a curtailment. They will not reduce the monthly payment and rewrite the terms which is a requirement for the  PRRPLE  PROGRAM. I have reached out to state and federal representatives. I was told to write your office to see if there is more that can be done. I need help. My monthly income in  XXXX . My mortgage payment alone is  XXXX . This program would be a  XXXX  send for the circumstances that I currently face.   Can you help me?    XXXX  APPLICATION NUMBER :  XXXX   PENNYMAC USA LO AN NUMBER :  XXXX
Product: Credit reporting or other personal consumer reports

I ended up agreeing to pay the debt off a less than what I owed with an agreement that the late payments would be reported as on time. I knew not to trust the representative.
Product: Debt collection

During 2016 I was a victim of identity theft. There were several accounts opened in my name, and 3 apartments. I didn't know that I was a victim of identity theft until I saw a lot of unauthorized inquires on my report, and negative collection accounts. I have been working to get all of them removed and as of today all are gone except this account. I have sent multiple letters to this company and proof of identity theft but it still isn't gone. Over the past 2 years they have removed it multiple times but end up adding it back a couple months later. I would like this account to be permanently removed from my credit report.
Product: Debt collection

Credit Collection Services is in 7 violations! Credit Collection Services is in violation for 15 usc 1692b ( 5 ) 6 times! There was 6 Symbol/Logo on the debt letter and Credit Collection Services Put on the letter " This is an attempt to collect a debt so they are in violation of 15 usc 1692b ( 2 )! I am demanding a {$7000.00} check or 7 individual {$1000.00} checks mailed to my address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX  ) for these violations! 15 U.S. Code 1692k- ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}
Product: Credit card

Reporting act XXXX Account # XXXX, has violated my rights. 

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

5 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.

5 U.S.C 1666B : A creditor may not treat a payment on a credit on account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not applied for any auto lines of credit with this company
Product: Debt collection

Dear CFPB, Attached you will find a Qualified Written Request, Complaint and Validation of Debt Letter and Truth in Lending ( TILA ), RESPA Request I sent Shellpoint Mortgage Servicing on XX/XX/2020, served certified mail. 

There have been numerous instruments and documents recorded on my property XXXX XXXX XXXX XXXX XXXX CA XXXX, at the XXXX XXXX County Recorders Officewithout my consent, from many Entities unknown to me. As of today I have not received a response back from Shellpoint to my demand letter. I hope now that I'm reporting this complaint to you, CFPB, Shellpoint will come with clean hands and provide documented proof to validate the alleged debt and to answer to the QWR, TILA and Debt Validation from someone with first hand knowledge, authority and under penalty of perjury. 

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

On XX/XX/2020 I sent a letter regarding in accurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet so my concern seems not a priority. I feel as though Im being taken advantage of as well as ignored of my disputes. Section 611 ( a ), it plainly states that the Failure to investigate these items within 30 days gives a reason to immediately remove these from my credit report its been over 60 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the wrong hands.
Product: Credit card or prepaid card

I received a credit card statement ( with an XXXX purchase ) for a card I never applied for - - an XXXX XXXX card from Macys. 
I never received any Macys American Express credit card, not even any notifications of any application or credit approval.
Product: Student loan

I have called numerous times to lower my almost {$300.00} a month student loan payment.. due to it being a " private loan '' they could not offer me a different repayment plan. Nor could I put this into forbearance. My husband does not have an income at the moment, and still nothing basically either pay it or they will continue racking up the late fees. This loan was for XXXX XXXX XXXX in XXXX tx
Product: Debt collection

Debt Collector failed to identify themselves as a Debt Colletor - represented themselves as an attorney. Threatened law suits and seizure of banks/property. 

Quote : " As of now we have done nothing that would negatively reflect on your company as well as any recommendation 's for suit or liens. '' " This ALSO could include bank accounts, real estate, vehicles, or other valuable possessions. '' " If i do not hear from you i will make a recomindation to start the assit & liablity investigation ''