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

This is my first 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, XXXX, GA, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA, XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA, XXXX XXXX XXXX XXXX, XXXX, GA, XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$990.00} XXXX XXXXXXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$860.00} XXXX XXXX XXXX XXXXXXXX Balance : {$640.00} XXXX XXXX XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX XXXXXXXX Balance : {$990.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$860.00} XXXX XXXX XXXXXXXX Balance : {$640.00} XXXX XXXX XXXXXXXX Balance : {$430.00} XXXX XXXX XXXXXXXX Balance : {$990.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$860.00} XXXX XXXX XXXXXXXX Balance : {$640.00} XXXX XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 70 days later, I have not received a response yet. I feel like my disputes are being ignored. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove the items from my credit report. It has been over 70 days, therefore these items should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this has caused. My information was also impacted by the XXXX  data breach and may have ended up in the hands of the wrong people.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 

XXXX XXXX XXXX has posted a auto loan dating 7 years back without my approval balance XXXX XX/XX/2015 date opened XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all of these companies have posted negative information on my credit report without my written instructions per FCRA please dispute this information with the furnishes as I have tried and failed on multiple occasions directly
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed disputes of fraudulent activity on many credit cards and collection accounts between XX/XX/XXXX and now. XXXX is the only reporting agency out of the XXXX to remove the fraudulent items. I do not shop at the places listed. 

They are : XXXX XXXX XXXX XXXX XXXX  Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Reported : XXXX. XXXX, XXXX BARCLAYS BANK DELAWARE Reported : XXXX XXXX, XXXXXXXX XXXX XXXX Reported : XXXX XXXX, XXXX I would like help getting these items removed for the other XXXX credit reports.
Product: Credit reporting

Equifax is reporting and inaccurate XXXX XXXX XXXX Bankruptcy on my credit report. I have disputed this numerous times and I have also provided a letter from the clerk of court that stated they do not verify information with the credit bureaus. Also it indicates that they verified through a third party company called XXXX which is a violation FCRA, XXXX XXXX, paragraph ( XXXX ) ( B ) ( iii XXXX regarding procedures and results of reinvestigation states " ... 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 ... '' XXXX reporting agencies are required to conduct investigations of disputed items with the " furnisher '' of information. The Bankruptcy Court should be the furnisher of information, not a third party source such as XXXX. 
Lastly I have a freeze on my XXXX XXXX profile so it was impossible for them to verify such information. Attached are documents to validate my statements.
Product: Mortgage

I applied for a mortgage refinance from Caliber Mortgage on XX/XX/XXXX. They dragged the application processing by asking for the documentations multiple times while every time provided as per request. Finally I received a mortgage commitment on XX/XX/XXXX for a 3.15 % ( expiring on XX/XX/XXXX ). I contacted the agent as for the closing and was told that is in the work. Finally a week later he comes with a quotes of 3.75 %. When asked what happened to the 3.15 &, he said that they weren't ready when they sent the commitment. 
He then followed by committing the rate to 3.375 % APR. 
When the final approval arrived, noticed a closing cost of about {$7900.00} ( on a {$430000.00} loan ) and while the approval was issued, They still very continuing the screening : Asking for Tax Document Release, Contacting Employer for Verification, Etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

A XXXX XXXX XXXX XXXX starting with XXXX ) is showing a charge-off in XX/XX/2018 on Experian ; however, this is no missed payments showing previously. Thus, the charge is clear attempt by XXXX & Experian to negatively affect my credit report for more than 7 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am notifying you that the dates below that I did not authorize any individual from any of the listed company to pull or review my consumer report. I have not given Transunion, XXXX, XXXX permission to furnish this information. Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated. Unless you produce any proof or evidence that support your claim or show you were right in your decision to furnish this information. Please remove the inquiries from my consumer report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I made a paymment to my insurance compamy, XXXX, whixh was returned and not paid and was alsonot discosed to me at any time and there is no record of it on my staement. Furthermore, shortly after that time period I requested that my account be frozen because of fraud attemps that were clearly present as confirmed by a branch manager in XXXX XXXX, CA. My account was frozen as requested but then I was not allowed to have any information for seven months, being charged for the account the entire time and not being able to use the account while being treated like a criminal with refusal to communicate with live representatives on the phone, hanging up and cutting me off when calling without explanation even though I reminded them that I had been the one to freeze my accont. I tried over well over ten times to get through to someone in charge through email letters, executive offices, etc. Finally after seven months I was allowed to get information when I tried to do so without explanation. Then again finally after asking several times what had been the problem someone said casually, '' it was our mistake '' with no explanation or appologies, nothing in the way of information of any kind. 
Meanwhile I'm being XXXX for a traffic accident with that payment still in question as to whether I was covewered by my insurance through that payment. Citi Bank has refused to give me info about my account saying I need a subpeona which I know is false. I am entitled to know what happened with that payment for which there is no record and to withhold such info is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked for a removal of incorrect inquiry and the company refused to remove. When asked to speak to supervisor, I was hung up on.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX Balance : {$760.00}
Product: Payday loan, title loan, or personal loan

I have hired XXXX to help me to get this taken care and they are not wiling to work with me or them they keep calling me after I told them not to call me at the number
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history with XXXX XXXX XXXXXXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( 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. 


XXXXXXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

I have requested information several time to verify if this account is mine. To no avail have I receive anything from this company.
Product: Debt collection

Dear Frost Arnett After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in XX/XX/2016 I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof.
Product: Mortgage

Every time we have had taxes due, XXXX  yearly for the past XXXX  years going on XXXX, our mortgage company ( Pennymac ) has missed the payment XXXX XXXX times now ). When we have brought this issue to their attention, they give us a generic response. They state that they know the due dates and will make the payment before it is due. However, every date has been missed, resulting in receiving a delinquency letter from the city, along with a fine for being delinquent. Additionally, the loan servicer has completely mismanaged our escrow account and it is below where it needs to be as a result. This has caused our mortgage payment to increase {$600.00} a month. Overall we have very little faith in this company managing our mortgage for the next 28 years due to these huge oversights on our account.
Product: Mortgage

XXXX-Quicken ran an inquiry on my XXXX XXXX and XXXX credit report without my permission
Product: Mortgage

In XX/XX/2019 my mother passed away. I have been trying to get the ownership of the house transferred to me. ROCKET MORTGAGE keeps trying to force me to go through probate. They won't accept my calls, return payments I make towards the home, and adds hidden fees to the mortgage. This has dragged out due to the Covid 19 pandemic.

Every single lawyer I've spoken to says that probate is not required. I live in North Carolina where probate is not necessary to become an heir of the home she left behind. I am the only child and my mom did not have any partners when she passed. ROCKET MORTGAGE is following its own made-up policies and failed to follow the law of the land. They are trying to take my home away from me. They blatantly ignore me and cause so much turmoil. I just want everything squared away and taken care of. 

I want to take care of my mother 's home and assume rightful ownership. They even promised to put me over the mortgage if I got get some documents notarized and signed, but when I send them in, all I get are crickets. 

I have requested and completed the Potential Successor in Interest Acknowledgment forms about 5 times so far with no response. Either they say they never received the documents or they withhold information about the loan. Getting information on what I should do is like pulling teeth.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX Date Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Regarding Account Number XXXX Dear XXXX XXXX XXXX, I am writing to formally file a complaint regarding an issue with account number XXXX from a previous complaint I submitted. Despite my efforts to resolve this matter directly with the creditor, the negative information associated with this account remains on my credit report, causing significant harm to my creditworthiness. 

The account in question has been closed, and I believe the reporting of negative marks related to it is inaccurate and/or unjustified. I have attempted to address this matter with the creditor, but I have not received a satisfactory resolution. Therefore, I am requesting that the CFPB assist in ensuring the removal of these negative items from my credit report.

I believe this issue violates my rights under the Fair Credit Reporting Act ( FCRA ) and may involve inaccurate, incomplete, or outdated information being reported. I respectfully request the CFPBs assistance in investigating this matter and ensuring that my credit report accurately reflects my financial history.

Enclosed with this letter are the following supporting documents for your review : 1. A copy of my credit report showing the negative items associated with this account.

2. Correspondence with the creditor regarding my request for resolution.

3. Any other relevant documentation related to this account.

Please let me know if additional information or documentation is required to expedite this process. I can be reached at XXXX or XXXX if needed. 

Thank you for your time and assistance in resolving this matter. 

Sincerely, XXXX XXXX Enclosures : Copy of credit report Relevant correspondence Supporting documentation
Product: Debt collection

On the XXXX of XXXX, XXXX Enhanced Recovery Company reported that I owed XXXX  XXXX  about {$1000.00} for services. When I contacted ERC and told them that I've never used XXXX  in my life, they basically told me that I can try disputing but it won't make a difference and that they " knew '' I was lying. Since then I've proceeded to submit my dispute and months went by and it went under dispute status but nothing happened after that. Around XXXX I decided to make a payment and settle the account because I figured that paying the account off might help my credit, ( which is has ). Yet it is still reporting, and now my credit card lenders see me as an irresponsible cardholder and won't increase my limits. I'm XXXX years old and try to be as responsible as I can when it comes to these things because I know the true power of having good credit and I can appreciate someone who has it. I don't think I've ever missed a card payment since I opened my first card in XXXX, I hope my dedication doesn't go unseen and that you're able to assist me on this. I will say I probably shouldn't have paid the account off but I am simply desperate and want my credit to be in good standing. Thank you and happy holidays!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Revocation of Power of Attorney and Request for Deletion of Account Information Dear Sir/Madam , I am writing to formally revoke the Power of Attorney previously granted to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX This revocation is effective immediately and encompasses all powers previously granted under the aforementioned agreement. 

Please ensure that all authority granted to XXXX XXXX XXXX XXXX XXXX under this Power of Attorney is terminated without delay. This includes, but is not limited to, any powers related to financial transactions, legal representation, repossessions, and decision-making on my behalf. 

Additionally, I request the immediate deletion of all my personal and account information from your records. This includes the cessation of furnishing any information related to my account to credit reporting agencies. I expect confirmation that my account information has been removed from your internal systems and that you have notified all relevant credit bureaus to delete any related entries. 

Please acknowledge receipt of this letter and confirm in writing that the above actions have been completed. I appreciate your prompt attention to these matters. 

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

l, XXXX XXXX XXXX, and natural person am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). Account Name has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. As a reporting agency that has assumed the role of assembling and reporting information on consumers such as myself, the FCRA requires that it is done so in a manner that is fair and XXXX. XXXX XXXX CT XXXX legally obtained personal and private information and sold it to other reporting agencies, including XXXX, Equifax, and XXXX. I did not grant XXXX XXXX CT permissible purpose to obtain the information and report it, nor did the debtor. I have not been notified that this information is being provided to the highest bidders. 
As the consumer and natural person, I am invoking specified remedies and make the following demands : - Cease and desist reporting of the account name filings to all consumer reporting agencies. 
- Remove reporting of the account name filings from all consumer reporting agencies. 
Ignoring this Cease and Desist will be evidence that the infringements were willing, deceptive, and in violation of the FCRA.
Product: Credit reporting or other personal consumer reports

I contacted every company listed requesting documentation with my signature authorizing them to use my information and not one company has done such, these inquiries are damaging to my credit and are going to make it much longer to purchase a home in the future, the companies and said dates are as follows : XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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/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/XXXX XXXX XXXX XX/XX/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 XXXX XX/XX/XXXX As you can see most of these inquiries are by some of the same companies multiple times in a short period.