23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Bank of America Home Loans, As per our telephone communications on Thursday XX/XX/XXXX. I beg to differ with your resolution concerning BOA or XXXX XXXX XXXX having the authority to add a XXXX mortgage to my XXXX mortgage -- -then holding my XXXX mortgage hostage from being refinance by another bank or mortgage company. There is no Florida Statue that states that you can do this. When my XXXX mortgage was transferred from Country Wide Home Loans to Bank of America loans in XX/XX/XXXX It was only a XXXX mortgage. I had paid off the XXXX mortgage with Country Wide. However, there is a Florida Statue XLI, of Frauds, Fraudulent Transfer chapter 725-727. Thus, BOA and XXXX XXXX are not only breaking a Florida Statue. You are committing a Federal Crime by trying to extort {$93000.00} from me across State lines.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXXXXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX  # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting AcXXXX XXXX XXXX XXXXXXXX, has violated my rights. 


In accordance with the Fair Credit Reporting Act, XXXXXXXX XXXX XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act, 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 The following accounts are all fraud and need to be deleted from my credit file immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had 40 fraudulent inquiries total to begin with and they removed 33 of the 38 that were fraudulent, but I still have 5 left on there, still from identity theft from the Equifax data breach. 
XXXX, XXXX, XXXXXXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Portfolio Recovery is attempting to collect a debt I do not owe. They have been sued before for unlawful practices. I continue to receive calls & letters stating they are going to sue me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX and XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 5 10 ; 11, 13, 14, 16 and 21 of the attached from the credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit card

Commity Bank has called my phone over XXXX times in the past XXXX hours. They will call every XXXX minutes if I do n't answer my phone. I have answer and asked them to quit calling my phone and they continue to keep calling.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/27 I recieved notification from XXXX that my credit report was pulled by Syncheony Bank. I did not provide authorization for them to access my credit report. I gave them my last 4 digits of my SSN but at no point anywhere did it mention that thwy would be accessing my credit report history. Please remove this inquiry from my credit report.
Product: Credit reporting or other personal consumer reports

Please read this complaint seriously and see the attached file. It's been such a long time that I have been trying to fix the errors being reported on my credit report, but to no avail. My requests to correct this incorrect information kept getting ignored and I had enough. This has affected all aspects of my life negatively ; it's taking a toll on my XXXX  XXXX  that I wouldn't even be able to afford help because of my low credit score due to these errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint with TranUnion Consumer Solutions and XXXX XXXX. I sent my first verify dispute letter on XXXX XXXX, 2023, to TransUnion. On XX/XX/2023, I sent my second attempt to verify that the debt is indeed mine. There was no response from company providing validation of this debt belonging to me.The company ignored my response and did not provide any further proof of investigation. On XXXX XXXX, 2023, I had sent my third validation dispute letter to TransUnion stating that no further valid documentation has been provided and this was my final warning that I would be filing complaints and pursuing litigation. TransUnion ignored my response and provided no reasonable method of verification on why they verified this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have recently reviewed my consumer credit report and would like to inform you that you are reporting inaccurate information on my consumer credit report.i have sent you 2 notices DEMANDING these inquries : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, removed and have not gotten no response back.i would like to inform you that your agency, has violated my rights under FCRA .i have the right to privacy and my right has been violated.i gave no authorization NOR these companies has permissible purpose to place invalid inquiry on my consumer report. the list of violations is where my rights were violated at:15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b XXXX Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( f ) Certain use or obtaining of information prohibited A person shall not use or obtain a consumer report for any purpose unless ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and ( 2 ) the purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification. 
15 U.S. Code 1681g - Disclosures to consumers ( a ) Information on file ; sources ; report recipients Every consumer reporting agency shall, upon request, and subject to section 1681h ( a ) ( 1 ) of this title, clearly and accurately disclose to the consumer : ( A ) if the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure ; and
Product: Debt collection

I was sent a letter from a law firm in XXXX, stating that I violated a statute in XXXX County, Florida. I live in XXXX, Ohio and have never been in XXXX County, Florida. The law firm is Linebarger, Goggan Blair and Sampson. The letter was sent from a XXXX XXXX, who is not an attorney registered in the State of Ohio.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus have done NOTHING to correct the erroneous accounts on my Credit Report and continued reporting these accounts without proper verification. I am frustrated by the Credit Bureaus ' actions and negligence regarding this matter. They do not take this matter as serious as I am, in fact they seem to enjoy seeing a consumer having difficulties because of their ruthless negligence that resulted for my Credit File to be impacted negatively. I submitted a letter to the 3 Credit Bureaus on XX/XX/2022 to correct these erroneous accounts. I think that the Credit Bureaus have not validated these accounts in accordance with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) and continued reporting. I am tempted to pursue legal action against the Credit bureaus if they still continue this erroneous reporting without proper verification. This matter was already included in my prior COMPLAINT # XXXX, # XXXX, # XXXX, and I'm disputing these accounts once again : DPT EDXXXX XXXX Balance Owed : {$3700.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with a fair credit reporting act [ XXXX  # XXXX, HUNTER WARFIELD # XXXX ] has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy.

Under 15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting incorrectly to XXXX ; XXXX and Transunion a ( 30 ) day late on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had moved and contacted XXXX and provided them with my updated contact information in addition to making my XXXX payment. I have never missed a payment on this account. XXXX XXXX XXXX incorrectly posted the payment and consequently this error caused a late to report. I was not aware that there was a late showing until I obtained a copy of my most recent credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus as well as XXXX to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian claimed that they verified the information for a bankruptcy on my report with the reporting company which would be the court that is listed. However, when asked previously for them to provide the information they verified with the courts they sent me back a copy of my credit report stating the information was verified by XXXX XXXX and remains. I then wrote to the courts that clearly stated in their response to me that they do not provide information to third party entities. I also contacted XXXX XXXX and there was no information found. Which means that this information is inaccurately reported. 

I then sent another letter to Experian attaching a copy of both responses and they again claimed to have completed their investigation and verified with the company. Again, the information still remains. 

To date, they have not properly responded to my initial request to provide information with the institution who provided or validated the bankruptcy. Also, that they stated the information was verified with XXXX when a bankruptcy lies in with the courts and the court clearly stated in their letter they do not furnish information to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




UNAUTHORIZED INQUIRIES : XXXXXXXX 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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of 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

FRADULENT, FALSE, UNAUTHOIRZED CREDIT INQUIRIES AS FOLLOWS XXXX : XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; TRANSUNION : XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA.

These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

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

XXXX XXXX Social security number XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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. 

These fraudulent accounts consist of XXXX opened XX/XX/XXXX, XXXX XXXX opened on XX/XX/XXXX, XXXX XXXX XXXX  opened on XX/XX/XXXX, XXXX XXXX XXXX XXXX opened XX/XX/XXXX, XXXX XXXX XXXX XXXX opened on XX/XX/XXXX & XXXX opened on XX/XX/XXXX ... .I would like a investigation and have an accurate FICO credit report
Product: Credit reporting or other personal consumer reports

I am writing to formally complain about unauthorized credit inquiries that appear on my credit report. I have recently reviewed my credit report from Experian and XXXX, and I noticed several credit inquiries listed that I did not authorize. These inquiries have negatively impacted my credit score, and I am concerned about the potential for identity theft or fraud. 

The unauthorized inquiries were made on XX/XX/XXXX from XXXX XX/XX/XXXX from XXXX XX/XX/XXXX from XXXX XX/XX/XXXX from XXXX XXXX  I did not initiate these inquiries and I have no knowledge of the entities listed. 

I have already contacted the credit bureaus to dispute these inquiries ; however, I am filing this complaint with the CFPB to seek your assistance in ensuring these fraudulent inquiries are investigated and removed from my credit report promptly. 


I am requesting that the CFPB assist by ensuring that these inquiries are removed from my credit report and that any necessary actions are taken to prevent further unauthorized activity on my credit profile. 

Thank you for your attention to this urgent matter. I am looking forward to your prompt response and assistance. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactionsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that items are100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

XXXX continues to report false credit reporting on and account they is not considered credit transaction history, the account was recently removed for violation of permissible purpose but then reappeared only on XXXX. No authorization or written consent was give to furnish private source data information by either party. Violation of permissible purpose
Product: Credit reporting or other personal consumer reports

On or about XX/XX/2023 I received a letter of denial from synchrony bank stating TransUnion as the source of my credit score of XXXX. However TransUnion has repeatedly by phone and Internet informed me that my score is XXXX. Including the day I received the letter. Now it has reported a score of XXXX as of today. On the XXXX XXXX XXXX XXXX XXXX in my area they often claim to have influence over TransUnion
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX XXXX XXXX XXXX : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand this account be updated to status of : Paid, XXXX Never Late as it should be as I was NEVER Late. Thanks,