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

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXXXXXX XXXX # XXXX XX/XX/XXXX - Balance : {$0.00} XXXX XXXX XXXX XXXX - Balance : {$0.00} XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$980.00} XXXX  XXXX # XXXX XX/XX/XXXX - Balance : {$250.00} XXXX XXXXXXXX # XXXX XX/XX/XXXX - Balance : {$0.00} XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$0.00} XXXX  # XXXX XX/XX/XXXX - Balance : {$670.00} XXXX XXXX XXXX XXXX XX/XX/XXXX - Balance : {$0.00} XXXX # XXXX XX/XX/XXXX - Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - Balance : {$7200.00} XXXX # XXXX XXXXXX/XX/XXXX XXXX Balance : {$510.00} XXXX # XXXX XX/XX/XXXX - Balance : {$510.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$760.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX XXXX XXXX {$3000.00} XXXXE # XXXX XX/XX/XXXX - Balance : {$1400.00} XXXX # XXXX  XX/XX/XXXX - Balance : {$540.00} XXXX # XXXX XXXXXX/XX/XXXX - Balance : {$390.00} XXXX # XXXX XX/XX/XXXX - Balance : {$670.00} XXXX # XXXX XX/XX/XXXX - Balance : {$2200.00} XXXX # XXXX XX/XX/XXXX - Balance : {$650.00} XXXX XXXX XXXXXXXX # XXXX XX/XX/XXXX - Balance : {$280.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$980.00} XXXXXXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$1400.00} XXXXXXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$650.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$510.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$390.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$540.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$510.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$670.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$2200.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX & XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Do not have a contract with this company. Requested information with my signature however this company has not provided proof.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 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 that records of convictions of crimes which antedates the report by more then 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: Mortgage

My wife and I applied for a mortgage loan with Mattamy Homes Funding on on XX/XX/scrub>XXXX XXXX XXXX  We never received disclosure, below is a timeline of events : XXXX XXXX Applied on line with Mattamy Homes XXXX XXXX Pre Approval letter was sent to Mattamy Homes sales office XXXX XXXX Mattamy sales emailed us Communitty Docs and I believe this was the same day I spoke with XXXX at Mattamy HF discussing our 2 options to use the 6 % incentive for closing costs/ rate buy down. 
XXXX XXXX Signed purchase Agreement / MattAmy Home Funding received purchase agreement. 
XX/XX/XXXX and XXXX Updated most of the financial documents requested from Mattamy homes. 
XXXX XXXX I left a XXXX at Mattamy HF a message to review documents we up load to get a final list to provide XXXX XXXX XXXX admitted that he had overlooked the 5 % down payment rule and that only 3 % of the incentives could be applied to the closing cost and not 6 %. 

I spoke to the Loan Officer ( XXXX XXXX and after talking to him realized he would be of no help and called his boss. I left a message for his boss and never got a call back. 

We never received any disclosures or breakdown of the loan fees or cost. The Loan Officer gave us rates, and payments on loan they could not do because he did not know the loan guidelines. I asked why we never got disclosure and he said it was not an application. I believe an application is having credit pulled, our income information, a loan application, a purchase agreement with an address and price so not sure how he thinks there was not application to initiate disclosures. 

This caused us to back out of the purchase with MattAmy Home and waiting to hear if we lost our {$15000.00} earnest money.
Product: Credit reporting or other personal consumer reports

I am a federally protected consumer and I am aware of my rights laid out by the FCRA in 15 USC 1681. Additionally, within the FCRA, pursuant to 15 USC 1681b-2, there is a strong point to be made that this information should not even be allowed to be posted on your consumer report that you keep under my name without my consent. Additionally, Im aware that you as a consumer reporting agency must maintain accurate records at all times across all credit reporting agencies on consumer files.

Please investigate the below accounts validity within my consumer report that you maintain under my name. 

XXXX XXXX  XXXX. 

Under 15 U.S. code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall -- - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Standards established in the credit industry ensure integrity of data and uniform communication between ALL credit-reporting agencies.

I have attached the erroneous account ( s ) in question. This account needs to be updated to PAID AS AGREED IMMEDIATELY due to inaccurate information reported within my credit report. Failure to do so would constitute willful non-compliance by your agency to start. 
The furnisher of this erroneous information is also obligated to notify you of their results within 30 days of their receipt of this letter. 
Also, Pursuant to 15 USC 1681s-2, the furnisher MUST furnish 100 % accurate payment information to consumer reporting agencies at all times. 
Please update this erroneous inaccurate information on my credit report to PAID ON TIME NEVER LATE within 30 days of your receipt of this notice of dispute if this information can not be validated. 

Thank you for your rapid response to the very important matter
Product: Credit reporting, credit repair services, or other personal consumer reports

I have companies that sold my original account to different companies that I have no recollection of and they have not reach out to me about any of changes these accounts are old accounts that the original creditors collect money off of and then sold the account without my consent I havent got letter or call I tried disputing the account several times still showing on my credit tried reaching out to companies they sold the account to and they cant give me any information about these fraudulent accounts on my credit thats in the original companies got paid for and sold the account trying get paid again when I have know acknowledgement of these accounts
Product: Debt collection

I am writing to formally dispute the validity of the debt you claim I owe, which appears to have been purchased or assigned to your company. Under Section 1692 ( g ) of the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to request verification of the debt within 30 days of receiving your notice.

I am requesting the following information : Proof of Debt : Documentation that clearly establishes your authority to collect the debt and shows how the amount owed was calculated.

Chain of Ownership : Evidence of the transfer or assignment of this debt from the original creditor to your company, including all intermediary transactions.

Original Contract : A copy of the original agreement that created the debt, bearing my signature.

Payment History : A detailed account of all payments, charges, and fees applied to the alleged debt.

Additionally, I believe there may be inaccuracies or violations related to your handling of this matter. Please note that under Section 1692 ( e ) of the FDCPA, debt collectors are prohibited from using false, deceptive, or misleading representations to collect a debt. If any errors are found or you can not provide the requested documentation, I expect you to cease all collection efforts and notify the credit reporting agencies to remove any negative information related to this account.

Until these matters are resolved and the debt is validated, I request that you refrain from contacting me further except to provide the documentation requested. Please note that I am keeping detailed records of all correspondence related to this dispute.

I appreciate your prompt attention to this matter. Please provide your response within the 30-day period specified by the FDCPA. All future correspondence regarding this matter should be directed to the address listed above.
Product: Student loan

I am still awaiting the 1 time IDR adjustment from the DOED. Multiple tickets later they still have no updates.
Product: Credit reporting or other personal consumer reports

I value your help to FIXED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance Owed : {$0.00} XXXXXXXXXXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name XXXX XXXX {$2600.00} DEPTEDXXXX  XXXX {$6000.00} DEPTEDXXXX XXXX {$2200.00} XXXX XXXX {$980.00} XXXX XXXX {$6000.00} XXXX XXXXXXXX {$3500.00}
Product: Student loan

On XX/XX/XXXX I payed my loan and got confirmation for the payment. 
Then my payment reversed for no reason and they didn't give me an alert so my payment was late. 
I also enrolled in autopay on the same day and despite double checking info several times when this months payment date came around - it did not deduct from my account. 

Tried calling several times with no success and very long wait times.
Product: Credit reporting or other personal consumer reports

This is inaccurately reporting on my credit report. I need this to cease and desist off my reports. This company has been trying to destroy my name. Places collection account debts on my social security number without my authorization or consent. The consumer consents to whats reported on their personal credit profile. I have never done business and have no signed contracts with this company. 
There is no collateral estoppel and promissory estoppel thats I have ever used or signed with this company. 

Please stop all reporting on all credit bureaus. This is the 2nd attempt for resolution prior to legal proceedings.
Product: Money transfer, virtual currency, or money service

XX/XX/2022 {$500.00} was sent through XXXX. I immediately contacted Chase bank to cancel the payment and they denied my request because stated by XXXX the payment was delivered.
Product: Credit reporting or other personal consumer reports

I have been trying for months now to get my address updated on my credit reports to match every bureau and to delete the old addresses I have never lived at or use to live at. I have attached a drivers license with my current address. Please update my personal information with on proper address and delete any other addresses, name variations, etc.
Product: Credit reporting or other personal consumer reports

I was looking over my credit report and saw I had five different names, addresses, employers. Am a victim of identity theft my name is XXXX XXXX, my addresses is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX my employer is XXXX XXXX please delete any other names, addresses and employer.
Product: Checking or savings account

In late XXXX of 2018 I saw an advertisement for opening a Citi Checking account. The terms were to open a CitiBank Account Package between XX/XX/2018-XX/XX/2018 and within 30 days deposit {$15000.00} into the checking or savings with a minimum of {$1500.00} in the checking and a minimum of {$100.00} in the savings. It also states I must maintain the {$15000.00} balance for 60 days. If I do those things then {$400.00} gets deposited into my account. I have attached a screenshot of the offer details. 

In early XXXX of 2018 the checking and savings accounts were funded. The checking was fully funded with {$15000.00} on XX/XX/2018 while the savings was fully funded on XX/XX/2018 with {$100.00}. 

Using XX/XX/2018 as the start date, 60 days from then is XX/XX/2018. 

On XX/XX/2018 I opened a chat session with a Citi representative about an update on the offer. They said I had to wait an additional 90 days after the initial 60 days which is XX/XX/2018 which I had surpassed. 

The Citi representative opened a case ( # XXXX ) on the same day to investigate. On XX/XX/2018 I chatted with another Citi representative to get an update and they said the case is still open. 

It is now XX/XX/2018 - nine full business days after the case was opened - and I have yet to hear anything back. I am getting the feeling I am not going to ever hear back from them. 

Thank you for your help in this matter.
Product: Debt collection

To Whom It XXXX Concern, I am writing this letter because I found several errors that are reporting which are hurting me I cant find a home for my family. I hope you can get this taken care of swiftly. 

This account is being reported with different dates under Date Last Active. 
If this is the same account being reported by the same creditor why is this information different? Can you Investigate and remove from my report. It is my understanding that you will recheck these items with the creditor who has posted them. 
Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.By thine provisions of the Fair Credit Reporting Act, I demand that these items please sincerely XXXX XXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/2017, I received an email from XXXX XXXX regarding my loan status. The email 'confirms my delinquency status ' ... The email was also addressed to several other XXXX XXXX borrowers. This sharing of delinquency status to other persons seems to violate my privacy rights under the FDCPA. Providing my personal email address to other borrowers seems suspect as well. I called XXXX XXXX to complain, and followed up with a written complaint including a copy of the email since they denied sending the email. XXXX XXXX has not responded to complaint.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 states : There is a need to ensure the consumer reporting agencies exercise their grave responsibilities with fairness. impartiality, and " respect for the consumers rights to privacy '' XXXX and XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801which states " It is the policy of the Congress that each financial institution has a confirming obligation to respect the privacy of its consumers and to protect the security and confidentiality of this customers nonpublic personal information. ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 ( a ) section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with the written instructions of the consumer to who it relates " ( Furnisher of information to credit agencies ) the financial institution and the consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and the surely do not have my written consent. Any and all who consent to XXXX, XXXX and XXXX ( XXXX of information to credit agencies ) whether it be verbal, nonverbal, written, implied or otherwise is revoked.15 USC 6802 ( b ) ( c ) states that " Financial institution may not disclose no public personal information to a nonaffiliated third party unless-the consumer is given an explanation of how the consumer can exercise that non-disclosure option. ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15USC 1681C ( a ) ( 5 ) states '' except as authorized under subsection ( b ), no consumer reporting agency may take any consumer report containing any of the following items of information, other than records. of convictions of crimes which antedates the report by more than seven years. " This account is an adverse item they are reporting again without my permission which is against the law, 15 U.S, Code 1681s-2 ( A ) ( 1 ) A states '' 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.15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. " I am opting out of your reporting services
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed i had fraudulent account on my report.Please remove these accounts from my report, they are hurting my ability to obtain credit : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in 2013 my phone acctd funnyand started to open my bank accounts and I was seeing activity like my account information being open with out my consent when I got to the problem and reported it to my creditors they have locked my accounts and asked to me change password and phone since them fraudulent accounts starting apperaing on my credit report and I have discuseed this with XXXX and XXXX they did not listen finally send to the creidt agencies transunion and experian and for six months the information was removed after thet my information that i disputed after six months came back as accurate with no proof of claim I asked the creditors to send me proof of the debt and a copy of the application for the buiness account they denied it
Product: Credit reporting or other personal consumer reports

Accordance with the fair credit reporting act XXXX XXXX has violated my rights 15 USC 1681 Section 602 states I have a right to privacy. 15 USC 1681 section 604. Section 2 ; Also states a consumer reporting agency can not furnish a account without my written instructions. 15 US Code 1681a-Definitions ; rules of construction-exclusions-except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B ; A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purpose listed under section 1681b of this title. Equifax, XXXX and XXXX are not maintaining reasonable procedures.15 US Code 1681a-z states it is illegal to report transaction history.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX Debt Bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX