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

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, has violated my rights XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX, has violated my rights. 

XXXX. XXXX, XXXX XXXX, has violated my rights. 

XXXX XXXXXXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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.
Product: Debt collection

I received a demand letter from Perdue Brandon Fielder Collins & Mott LLP dated XX/XX/XXXX. In XXXX I had an arrest with a restitution. Since that time I have been paying XXXX XXXX XXXX XXXX directly. 
The letter the " law firm '' threatened my arrest and or license suspension. Neither of which, according to the courthouse and my used to be probation officer, can happen. Not only claiming I owe them, they are also claiming I owe {$420.00} more than I owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX I have file dispute after dispute on wrong Employment information wrong company names phone numbers that are not mine. 

XXXX XXXX : Past Employee XXXX XXXX XXXX : Past Employee XXXX XXXX XXXX : Past Employee XXXX XXXX : Present Employee : As XXXX XXXX XXXX XXXX : Present Employee : As XXXX XXXX XXXX XXXX  Present Employer : XXXX XXXX There is no XXXX Staffing plus there is no XXXX XXXX XXXX There is no XXXX XXXX XXXX XXXX this are not even the right names of the companies if the XXXX was confirming this names they would no there not right there is no staffing temple as stated. 
XXXX is all Hospitals which they have several there not no staffing company. 
I have phone numbers that are not mine all listed XXXX XXXX Current XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX no such address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX no such address nor have I ever live there. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX wrong this is a condo not an apartment XXXX  updates wrong information list wrong occupation and I want proof from them to these companies that I listed current and present wrong
Product: Credit card or prepaid card

I ordered a bed from XXXX and it never arrived to my house. I contacted XXXX and they told me the item was delivered, showing me delivery confirmation, but it was not delivered. They told me they would file claim with XXXX and I never heard from them. I then filed a dispute with my cc Discover and they did not want to help me. I have been with Discover 14 years and not once have I paid interest with them and rely on them to make secure transactions. Discover did not want to help me with this dispute. {$140.00}. 
XXXX
Product: Credit reporting or other personal consumer reports

I OBTAINED ANOTHER COPY OF MY CREDIT REPORT AND NOTICED ANOTHER ACCOUNT THAT I HAVE NO KNOWLEDGE OF HAS BEEN ADDED TO MY ACCOUNT. I CONTACTED THE CREDIT REPORTING AGENCIES BY PHONE AND CERTIFIED MAIL. I REQUESTED THAT THE ACCOUNT BE VERIFIED, AND THIS ACCOUNT IS UNVERIFIABLE BUT STILL BEING REPORTED TO MY CONSUMER PROFILE. 

I HAVE NO KNOWLEDGE OF THIS CREDITOR AND HAVE NOT GIVEN WRITTEN CONSENT FOR THIS TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681.

FURTHERMORE, REPORTING ACCOUNTS DUE TO IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2. 

REPORTING FRAUDULENT ACCOUNTS IS SEVERELY IMPACTING MY CREDIT AND THE CREDIT REPORTING AGENCIES HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY. REPORTING AN UNVERIFIED ACCOUNT IS IN VIOLATION OF 15 USC 1681 EB
Product: Mortgage

why am I recieving notices from XXXX XXXX XXXX XXXX, CA which is connected to shellpoint new rez? 

the mortgage arrears were fully paid off months ago. 

i also contacted new rez /shellpoint about paying off the entire mortgage balance. no reply! 

want clarification from shellpoint on why pre foreclosure company is sending mail.
Product: Debt collection

This is my response to the closed CFPB complaint # XXXX. 

A. Account Timeline You stated that this account was active during XXXX. However, I was in XXXX for the entire duration of this period. To substantiate this, I have again attached the following documents : XXXX. My XXXX record, which shows that I was not in the U.S. from XXXX to XXXX. 
2. Copies of my U.S. visas, indicating the dates when I was and am in the U.S. 
3. The police report confirming that I was not in the U.S. from XXXX to XXXX. 
4. The identity theft report confirming that I was not in the U.S. from XXXX to XXXX. 

B. Linked Address You mentioned that this account is tied to the address XXXX XXXX XXXX, XXXX XXXX, CA XXXX. If you review the identity theft report, you will see that this zip code " XXXX '' is explicitly flagged as fraudulent. I have never resided at this address. 

I kindly request that you thoroughly review all the attached documents and resolve this case. I have no connection to this fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Through XXXX XXXX I received an alert on XX/XX/2021 to verify my credit and when doing so I realized that they had subtracted 100 points from my credit score in Equifax where until the day of XX/XX/2021 I had it score at XXXX. This caused me great concern and at the same time a great annoyance since I do not understand what happened here. 

I proceeded to call Equifax who assisted me in customer service XXXX who explained to me more or less what happened and where she provided me with this website ( www.ftc.gov ) to submit this claim where I ask that this situation be verified. that I have all my accounts up to date, and I have never fallen behind in any and where I have not requested an increase in any of my accounts currently. 

Please, I ask you to help me in this situation which has me very bad and worried.
Product: Credit reporting, credit repair services, or other personal consumer reports

wrong addresses wrong names- Please correct my address to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX. This is my only address. I have no knowledge of any other addresses- Please correct my name to XXXX XXXX XXXX. This is my only name and spelling. No other name exist. I have no knowledge of any other names
Product: Debt collection

Hi, I had previously filed a complaint with your company regarding this debt collection agency. They had stated to you guys that they had found the accounts in question, and claimed to have requested removal from all my credit bureaus. I have n't seen it yet!!!!!!! The accounts were under my maiden name which I do not use anymore. This is pathetic that I have to contact you guys regarding this! This was from GLA Collections Company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to remove these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX  Bankruptcy Case Number : XXXX ; XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX Account Number XXXX XXXX ; XXXX  Account Number : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX Experian was sent a Method of Verification letter via certified mail on a Bankruptcy reporting on my credit report. I filed a complaint with the CFPB ( XXXX ) because Experian didn't respond within the 15 days required. A copy of my DL and power bill was sent in this original letter and they came back and asked for it again. 

Experian responded that they didn't think I directly made the claim, but they still never responded. I didn't make a claim, I simply asked for a method of verification. 

Experian did respond to my disputed student loans but never addressed any concerns about my identity in that letter and they received them at the same time. The neglected to address the hard inquiries on that letter as well. 

I'm asking Experian to delete the Bankruptcy because the failed to respond within the 15 days required by federal law nor did they deny that they received the method of verification letter. And I'm asking them to delete all hard inquiries that are not connected to a account that I'm responsible for on my credit report because they didn't investigate my dispute on the inquiries. Some are listed several times on the report. 

The problem I have with this whole is when a company reports to the credit bureau, they have no problem destroying your credit without proper identification, but as soon as a person decides to fix a negative account needs to prove who they are! Please delete the bankruptcy and the hard inquiries that you decided not to investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX  XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX   ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it May Concern, I have reviewed my consumer report and discovered your company has misused its authority in communicating with the credit reporting agencies. 

The line of credit I extended with your company ( CAPITAL ONE ), regarding ACCOUNT NUMBER XXXX According to CONGRESS you are in VIOLATION OF FCRA 15 USC 1681a ( 2 ) ( A ) ( i ) ( 2 ) Exclusions Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681sXXXX of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; IN FACT, the law states that EXPERIENCES ( UTILIZATION, LATE PAYMENTS, AND INQUIRIES ) between the consumer ( XXXX ) and the person ( YOU ) ( CAPITAL ONE ) making the report should not be included on my consumer report. 

You have seven ( 7 ) days to UPDATE MY BALANCE TO {$0.00} AND DELETE THE UTILIZATION FOR THIS ACCOUNT, REMOVE ALL LATE PAYMENTS STARTING FROM XX/XX/2019 TO CURRENT AND FUTURE MONTHS, SHOW THE ACCOUNT AS BEING IN GOOD STANDING, and REMOVE ALL INQUIRIES DERIVED FROM YOUR COMPANY ( CAPITAL ONE ).
Product: Mortgage

I had a massive house fire that damaged everything in my home. My kitchen was gone. The insurance company suggested I hire a professional cleaning company to work on my house, and I called them. The company failed to complete work, and were also contracted to rebuild. They never started the rebuild. This happened around XXXX 2016. Around XX/XX/XXXX we finally settled on how much they were owed and I looked for a new contractor. I could not find many, and most were very expensive. I also was told by the mortgage company that the rest of the insurance funds would be held until the house was finished. I was able to secure a contractor, but I told the mortgage company without those funds I could not pay the contractor and my mortgage at the same time. I fell behind in my mortgage payments by six months, and ended up losing my contractor because they would not finish the work without being paid. The mortgage company refused to help and continued withholding the funds. I finished the work and had the final inspection, and got the large sum they were holding, and caught back up on my mortgage, paid the constructor, and caught up elsewhere. They knew they were negatively impacting my life and health. They knew what they were doing was morally unconscionable. They claim they followed their rules. They did not. They said they could not release funds because of the contractor license and some other inspection nonsense. It was absurd. They knew the position they put me in and they did n't care! Their behavior is reprehensible.
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 XXXX XXXX, which falls under XXXX according to XXXXDebt 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 XXXX XXXX  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 XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a natural person my name is XXXX XXXX the credit bureau validated my rights they not doing a full investigation after disputing items multiple time they validating my rights and privacy if they don't remove these accounts its going to be major problems. 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 if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts are 10yrs old, paid in full, and was updated with new first reported date to XX/XX/2019. Bureau failed to give proper verification of inaccurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is some errors on my credit report Already contacted Experian and sent them letters.along with a copy of my credit report, federaltradecommision report, police report, but they still refuse to correct my credit report. There is a name Address, birthdate, social security numbers, credit card account. 
I also already contacted XXXX XXXX XXXX About the credit card, but they refuse to close the account. 
Also, I opened a IRA account with XXXX edge, a few months later they added that persons name and address to my account And have blocked my access to it. 
Contacted them on several occasions but all they tell me is that is under investigation.its being almost 3 months now! Im really concerned!!
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate, Misleading, and Outdated Information on Credit Report Dear Experian, CFPB I am writing to formally dispute inaccuracies, misleading information, and outdated data present in my credit report maintained by Experian. It is crucial to rectify this information to ensure its accuracy and to maintain my creditworthiness. 

Details of Discrepancies : 1. Account Status : The report indicates that the account remains " Closed ". My records demonstrate that this account is still Open.

2. Balance : The current balance of {$150000.00} is incorrect ; my records indicate it should be {$150000.00}.

3. Date Opened : The report lists the date opened as XX/XX/XXXX. However, the account was originally opened on XX/XX/XXXX. I request verification of this date. 

4. Payment History : The payment history shows discrepancies, including. I have consistently made payments on time, with no instances of missed payments or delinquency. 

XXXX. Last Reported Date and Payment Dates : The dates listed for the last reported activity ( XX/XX/XXXX ) and the last payment ( XX/XX/XXXX ) are incorrect. The most recent payment I made was on XX/XX/XXXX. 

Outdated and Unverified Information : Additionally, I would like to bring to your attention several items in my credit report that are outdated or unverified : - Obsolete Accounts : There are accounts listed that are over seven years old and should have been removed from my report as per the guidelines set forth by the Fair Credit Reporting Act.

- Lack of Verification : I have noticed entries that appear to be unverified, with no documented proof of their legitimacy. In accordance with the Fair Credit Reporting Act, all entries on my credit report must be complete and accurate, and I request that these unverified items be investigated. 

I urge you to conduct a thorough investigation into these inaccuracies, misleading representations, and outdated records, and to make the necessary amendments to accurately reflect my credit history. I expect a response to this dispute within 30 days, as stipulated by law. 


Thank you for your attention to this matter. I look forward to your timely reply. 

Sincerely, 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 XXXX XXXX XXXX. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX  has violated my rights. Or a 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

The amount said owed of {$190.00} as of XX/XX/2021 is wrong. I was never made aware from the auto insurance company that I would owe this money as I canceled the contract of my auto insurance policy within the first 32 days of having it. I was also never made aware of the jump in my 6 month policy increase according to this company. They told me at the time that my monthly insurance quote was going to be roughly {$100.00} a month, and then I was charged that for the first month. Then proceeding that month I was charged 30 days later, over {$250.00} a month. They never made me aware of my dramatic increase in the policy and then when I told them I was going to cancel I suppose they put it into collections. Never was I made aware of the premium being sent to collections. I was only aware that this amount was sent to collections afterwards once collections notified me of the charge. I tried to dispute it at this time but could not because the letter was received by me after the 60 day time to file a grievance about what occurred.This account is falsely on my credit and I would like it removed as soon as possible. The company does not even have my correct data on file which goes to show that they are not on top of what is going on with this debt.
Product: Debt collection

Multiple phone calls from the same number ( XXXX ), upon answering, after several seconds, a recording from a female calling herself XXXX XXXX states she is trying to collect a debt, does not provide the debtors name & says since she is unable to reach me by phone, even though I have answered the call, that legal action by the police will be taken and if I do not respond they will come to my home. I called the number back, and the recording said they were Cambridge Asset Management. I called a second time & was able to reach a live person, but when I mentioned the message from XXXX XXXX, they hung up on me. I have never received any written correspondence from this company.