23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting the following companies have violated my rights XXXX open : XX/XX/XXXX, XXXX XXXX XXXX open : XX/XX/XXXX XXXX XXXX XXXXXXXX open : XX/XX/XXXX, XXXX XXXX XXXX  XXXX open : XX/XX/XXXX, XXXX XXXXXXXX # XXXX open : XX/XX/XXXX, XXXX XXXX XXXX # XXXX open : XX/XX/XXXX, XXXX  # XXXX open:XXXX XXXX XXXX XXXX  XXXX XXXX open : XX/XX/XXXX XXXX XXXX : date ( s ) - XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX. 
15 u.s.c 1681 section 602 a state I have the rights to privacy 15u.s.c 1681 604 a. Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting or other personal consumer reports

This letter is to inform the company mentioned of the inconvenience due to the data breach of my personal information, which led to my identity being stolen. A report was made with the proper bureaus regarding this situation, in the year of XXXX and XXXX. With that now mentioned, a request for my information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items Deleted from my credit reports effective immediately. I attach proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. Look forward to hearing from you. Thank you for your cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is erroneously reporting on all 3 of my credit reports and this account is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed several items on my Equifax credit report and they continue to state that the items on my credit report have been verified, yet, have failed to provide me with physical verification of such as it is required by the FCRA Section 609 ( a ) ( 1 ) ( A ). 

Dispute dates : XX/XX/2021 XX/XX/2021 XX/XX/2021 These are the items that appear on my credit report. 
XXXX XXXX XXXX - No Account # provided- {$60.00} XXXX XXXX XXXX - No Account # provided- {$60.00} XXXX XXXX XXXXS - No Account # provided- {$360.00} XXXX XXXX XXXX XXXX - No Account # provided- {$150.00} XXXX XXXX XXXX, XXXX - No Account # provided- {$60.00} XXXX XXXX XXXX XXXX - No Account # provided- {$83.00}
Product: Debt collection

I have disputed this debt numerous times with the collection agency. This debt is not mine, it is my daughters. I have sent proof showing that this is not my debt and nothing has happened.
Product: Checking or savings account

I opened an HSBC Choice Checking account in XX/XX/2018. According to the terms for the account, HSBC is required to pay me a welcome bonus of {$200.00} after I keep a minimum balance of {$1500.00} for 90 days starting within 30 from account opening. Even though I did meet this criterion, HSBC has not credited my account with the welcome bonus. 

Upon inquiry, I was told ( via chat ) that I do not qualify for the bonus due to having had a " banking relationship '' with HSBC during the year before the checking account was opened. 

However, according to the terms for the account, only a prior " HSBC consumer deposit or investment account '' would disqualify me. I have never had such an account before the one on question. If HSBC claims that I had a prior " banking relationship '' with HSBC, this can only refer to my HSBC credit card, which I do indeed have. But a credit card is not a consumer deposit or investment account. 

I tried repeatedly to get HSBC to substantiate its claims that I had a disqualifying consumer deposit or investment account. They never did. My last inquiry via XXXX was never answered, and the last time I tried to get a chat representative to resolve this, he " hung up '' on me. 

I am attaching screenshots of the only two responses that I did receive via XXXX. The most recent response promises a follow-up with specifics on the disqualifying account, but the follow-up never came.
Product: Credit reporting or other personal consumer reports

Hi, I have a FTC report that has fraudulent account listed on it that needs to be blocked.
Product: Credit reporting, credit repair services, or other personal consumer reports

I writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Checking or savings account

I had an account with XXXX XXXX XXXX through Mercury ( mercuryXXXX ), they closed my account without giving any information. They said funds will be retained at this time, but not specifying how much is that time and what's the reason to hold my funds. They never reply to my emails, no information at all has been given.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never took out a loan with the Department of Education in XXXX of 2015. I was XXXX at the time so this is virtually impossible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Friday ( today ) XX/XX/2020 I called Equifax to make a dispute. I gave them my phone number ( which they verified by texting me ), gave them my address, social security umber and birth date. I called to DISPUTE an item on my credit report that caused my credit to go down by 36 points! They wouldn't take my dispute until they " got more information to verify it's me ''. REALLY, they let someone fiddle with my credit but can't verify it's me. They said they needed information about any cards I'd had in the past. I haven't had a credit card in YEARS!!! I'm nearly XXXX. I can't remember that far back!!! I'm livid! This is outrageous. Equifax isn't a company to be trusted that's for sure. PLEASE DO SOMETHING. 36 points!!!! My head is still spinning.
Product: Mortgage

Seterus took over my loan from XXXX XXXX XXXX in XX/XX/XXXX ... Since then my wife and i declared Bankcrucy XX/XX/XXXX it was final.. I was 2 or 3 months behind on the mortgage do to lack of work ... XXXX XXXX XXXX gave the mortgage to this Bad company!! I have been trying to refinance my mortgage since XX/XX/XXXX but to no luck! Steers just keeps telling me to send the same old paperwork in and ask me if i want to get ride of the house.. Since it worth more then i owe!!! CAN SOME ONE HELP ME!!!! This is a joke and a run around!!!!! I have been paying the mortgage and giving extra money .. I am on a forbearance Never heard of this before!!
Product: Credit reporting or other personal consumer reports

I am writing to dispute the late payments listed on my credit report. Upon careful review of the information, there are inaccuracies that need to be addressed. Upon reviewing my credit report, I noticed discrepancies related to the reported late payments. I have always been committed to meeting my financial obligations promptly, and I believe there might be an error or misunderstanding in the reporting. Additionally, XXXX and XXXX credit bureaus have already updated their records for these accounts. Please correct these accounts and remove the late payments : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute and Request for Deletion of Fraudulent Santander Account Due to Identity Theft To Whom It May Concern, I am formally disputing the XXXX XXXX XXXX account listed on my Equifax credit report as it is a result of identity theft. Additionally, Equifaxs improper investigation into this matter has resulted in multiple violations of the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. 

Despite submitting proof of identity theft, this fraudulent account remains on my credit report. Furthermore, the billing statement from XXXX shows an address that does not belong to me, and when I attempt to verify this account, XXXX can not verify it using my phone number or the last four digits of my Social Security Number, confirming that this account does not belong to me. 

Additionally, Equifaxs reporting contains contradictory information, as my credit report lists zero missed payments in one section but seven missed payments in another. This inconsistency further proves that no proper investigation was conducted in my dispute. 

Violations of the Fair Credit Reporting Act ( FCRA ) & Other Consumer Protection Laws 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to Conduct a Reasonable Investigation Equifax has an obligation to conduct a reasonable investigation into disputes. However, my credit report still reflects this fraudulent account despite the clear evidence I provided.

15 U.S.C. 1681c-2 Block of Information Resulting from Identity Theft Under this section, Equifax must block fraudulent accounts when an identity theft report is submitted. I have already provided my identity theft report, yet this account has not been removed.

15 U.S.C. 1681e ( b ) Failure to Maintain Accurate Information Equifax is responsible for ensuring the accuracy of consumer credit reports. The XXXX account is clearly fraudulent, and the contradictory reporting of missed payments further proves that my report contains inaccurate information. 
15 U.S.C. 1681b ( f ) Unauthorized Access to My Credit Report If this Santander account does not belong to me, then XXXX had no legal basis to pull my credit report, and these inquiries should be immediately deleted from my file. 
15 U.S.C. 1681g Failure to Provide Method of Verification I have the right to know how this account was verified. Equifax has not provided any method of verification, which is required under the FCRA. 
Consumer Financial Protection Bureau ( CFPB ) Precedents Equifax has a history of violating consumer protection laws, including being ordered to pay {$15.00} million due to improper investigations. This failure to remove fraudulent information from my report aligns with Equifaxs documented pattern of non-compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit report and Transunion is displaying inaccurate credit score. My credit score should display 700, also my report is showing negative delinquent account after disputing with XXXX over 15 times
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights under 15usc1681 section 602 states I have the right to privacy 15usc1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15uscs 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Ive sent out XXXX letters since XXXX of this year. I have inquiries that was not authorized by me at all as I just signed up for Experian in XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed immediately, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX15 USC 1681Section , 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 c ( 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. In addition, 15 USC 1681 s-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 in accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
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  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXT XX/XX/XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : -Creditor Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX -Date of Charge-off : XX/XX/2024 It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 

The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. Additionally, the statute of limitations for reporting a charge-off is XXXX XXXX  from the date of the first delinquency that led to the charge-off ( 15 U.S.C 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. 

I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections. 


Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act i believe XXXX XXXX XXXX  XXXX and account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I never use any client repair company to send my dispute. Why i recieving mail saying I'm sending letters using XXXX party which is wrong because I'm the one who send out letters. Now i filling a compaliant please remove this account and inquries. 
XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/year> XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX XXXX Date of XXXX XXXX XX/XX/year> XXXX XXXX XXXX  Date of inquiry : XX/XX/year>
Product: Mortgage

On XXXX XXXX 2015 I executed the permanent Home Affordable Modification agreement mailed to me by Provident Funding, by signing XXXX copies of the XXXX page document in front of a notary public. The modification agreement was prepared by XXXX XXXX. I then returned the notarized Modification Agreement back Provident Funding for their signature and recordingOnce the document was fully executed Provident funding was to record the Home Affordable Modification Agreement at the XXXX XXXX County Registrar Recorder. 
On XXXX XXXX, 2015 Provident Funding finally recorded the Home Affordable Modification Agreement after I filled complaint # XXXX with the Consumer Financial Protection Bureau. 
It has recently come to my attention that Provident Funding altered the signed notarized Modification Agreement that I mailed back to them on XXXX XXXX, 2015, before recording it, by inserting typewritten text on page XXXX and adding XXXX extra pages at the end of the document. 
I have attached the original notarized document that I executed, as well as the forged document that Provident deliberately altered and recorded. I have also highlighted the insertions and additions. 

I would also like to point out that that Provident Funding provided me a copy of the executed agreement that did not include the alterations. 
I was only made aware of the incident, because I retrieved a copy of the recorded document directly from the XXXX XXXX County Registrar Recorder 's office. 

I believe that Provident Funding 's actions are illegal, and constitute fraud which I why I am seeking your assistance.
Product: Checking or savings account

Date : XX/XX/2020 I followed up with KeyBank today to find out where my new bank card would come in as my bank card expires at the end of this month. I use my card today to purchase gas. My card was declined. I did called keybank back at XXXX today. The 1st representative that I spoke to shut my card off without my permission. I did not give any consent in any shape or form. The supervisor was listening to the prior phone call. They did state I never gave any permission for this individual to turn off my card. I will not have access to any of my money for 5 business days until my new card arrives. I work at a XXXX  during the week the same hours and longer than what the bank is open. I know will experience financial hardship as I have bills due this week. I am on able to purchase groceries for this upcoming week for my children and myself. I will Have late fees if I am not able to pay my bills on time. They have really put me in a financial hardship that will affect my family and our means of living. The bank said they are enable to do anything that they can not turn back on my card that I have to wait.
Product: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW Please block and remove all erroneous information from my credit report and send me an updated copy.

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within XXXX business days of completion. Failure to do so constitutes a violation of my rights. 

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ).

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error in the creditors accounting on a statement.

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!.

Collection Accounts listed below in yelow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report.

Please update my credit report as per law abiding accuracy of data.