23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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 U.S.C 1681. 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 and 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 604 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 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. Also, The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, EQUIFAX MORTGAGE SOL XX/XX/XXXX, and EQUIFAX MORTGAGE SEXXXX XXXX. Please delete these items ASAP.
Product: Debt collection

XXXX XXXX XXXX XXXX in violation of FCRA 605 ( b ) ( 15 U.S.C. 1681c-2 and 16929 ( a ) failed to provide Validation of debt of the fraudulent purchases made on my account and then filed a lawsuit case number XXXX in XXXXXXXX XXXX without providing Validation of the fraudulent debt. XXXX XXXX XXXX never provided the information requested to validate the debt. the response of XXXX XXXX XXXX XXXX is a total fabrication of the facts. The mailing address they refer to is not mine I have received no documentation to validate the fraudulent debt. Citi Bank and XXXX XXXX XXXX XXXX use Deceptive and illegal tactics to get a civil judgment without due process. An address was provided to them for service of Court documents and documents Validating the fraudulent charges made in my name and on my Home Depot account account XXXX XXXX XXXX XXXX provided a copy of an unsigned Loan application and provided No signed recites or signed Contracts to substantiate the alleged Fraudulent debt Citi Bank and Home Depots were allowed to a cure in my name without my consent
Product: Credit reporting or other personal consumer reports

I received Bank of America 's ( BOFA 's ) decision for their review of my CFPB complaint XXXX. I reject the accuracy and support for their decision and their actions that caused my complaint and severe damage to all three of my XXXX  scores. According the attached excerpts from my XXXX/XXXX XXXX XXXX report for my two BOFA cr cards reviewed, XXXX reports a " status '' of " open, never late for the related pmts and an " Exceptional payment history '' for both cards. The first attachment is for card ending XXXX, {$2900.00} cr limit, and the second attachment is for card ended XXXX, cr limit {$2100.00}. Both excerpts show each individual XXXX  through end of XX/XX/XXXX. BOFA 's unreasonable reductions of my XXXX  limits for these cards was solely due to the fact I accidentally paid {$25.00}, posted XX/XX/XXXX, for a {$35.00} min pmt due XX/XX/XXXX. XXXX reports this pmt as made on time as does my XXXX XXXX report. Also, why did this XXXX XXXX also cause BOFA 's decision to severely reduce my cr limit on card ending XXXX? During XXXX I paid {$2400.00} on this card leaving a {$2000.00} balance. If BOFA says this one XXXX  did not cause limit reductions for both these cards they are being dishonest. In fact, the several reasons they gave me for the these reductions are disproved by my attachments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Synchrony bank pulled a hard inquiry on my credit report on XX/XX/XXXX2022 without my authorization/ consent. I disputed the inquiry with XXXX and it came back in the lenders favor. I called synchrony bank and they only have record of an old account that was settled. I called the number on the credit report and it rang until going to wireless caller voicemail
Product: Credit reporting or other personal consumer reports

A Caine & Weiner account showed up on my credit report for the amount of {$450.00}. I reached out to the debt collector to request verification of the alleged debt and I have not received any correspondence.
Product: Mortgage

I have a mortgage with Plaza Home Mortgage Inc. for several years now, I have had nothing but problems with them from the very beginning. They make it impossible to do anything very unhelpful or willing to work with people. There online site has not been available to me for several years it might work one month but not the next, tried so many many times working with there IT people and it never gets resolved. I must of spent a year off and on, on the phone many hours and nothing. I gave up and make the payment through my bank! 
Last year I had to file bankruptcy and they would NOT send my statements. OK my bankruptcy has been done and gone for several months my attorney and I made several attempts to reaffirm months before our dead line but never got a response we made several conference calls to there bank R dept and spoke with the woman handling my case she kept telling us there was not enough time for them to do it. We told her we sent what she needed months ago and there was no reason they had, had plenty of time finally the day of we called again spoke to an attorney for them and he said it was to late. Well ya, but we had attempted for several months. Nothing he can do, later that day XXXX minutes before XXXX our time they sent the fax there was no way for my attorney to get a hold of me and for me to get to his office and sign everything and fax it back in time! Also I live in XXXX and he is in XXXX which is about 20 min away! I have contacted them several times since explaining that. They just keep saying your still in the bankruptcy department and it will stay there and because you did not reaffirm we will not send you your statements! It has been close to a year now, I have no idea of where I am at or what I owe or anything! 
I have never been late with any of my payments. I have made all of my payments thru my bank and they have not sent any back! 
I happen to see on the back of an old statement in a box in all caps. 

Additional Notice to customers who are in Bankruptcy or whose Obligation has been discharged and NOT Reaffirmed : All the information contained in this Mortgage statement is required to be PROVIDED to CUSTOMERS BY APPLICABLE FEDERAL REGULATIONS PROMULGATED BY THE CONSUMER FINANCIAL PROTECTION BUREAU. 
How can they do this? And have this printed right on the back of there statement and know they have to and they refuse???
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : On XX/XX/2020, XXXX, XXXX, and Experian are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

For XXXX  1. Medical accounts should not be reported because it is a breach of HIPPA Privacy Rule and I never gave you authorization to report my sensitive medical records on my credit file. 
XXXX XXXX Account Number : XXXX REMOVE FOR HIPPA VIOLATION For EXPERIAN 1. Medical accounts should not be reported because it is a breach of HIPPA Privacy Rule and I never gave you authorization to report my sensitive medical records on my credit file. 
XXXX XXXX Account Number : XXXX REMOVE FOR HIPPA VIOLATION For XXXX 1. Medical accounts should not be reported because it is a breach of HIPPA Privacy Rule and I never gave you authorization to report my sensitive medical records on my credit file. 
XXXX XXXX Account Number : XXXX REMOVE FOR HIPPA VIOLATION
Product: Credit reporting

There is a comment on my mortgage from XXXX XXXX that I disputed my mortgage. I never made the comment. I called Equifax to request the information be removed and was promised that it would be immediately removed. I received an email from Equifax on XXXX/XXXX/XXXX which provided a link that would allow me to see a credit report without the dispute information. The report still contains the disputed information. I called Equifax and spoke with a supervisor named XXXX ( ID # XXXX ) who stated that the information was removed but he could not give me a new link to a correct credit report. I pulled a credit report through AnnualCreditReport.com which still showed the disputed comment and now has added a comment that the mortgage was modified. I call Equifax a second time and spoke with a supervisor named XXXX ( ID # XXXX ) who explained that he could get me access to the corrected report if I paid for the Equifax XXXX XXXX. He then signed me up and charge my credit card a {$6.00} reoccurring fee. I pulled the report through this service which does not show if there are any comments, it is only a summary of the account. I called Equifax a third time and spoke with a supervisor named XXXX ( ID # SCC ) who said the disputed information is not on the credit report, but she would not cancel the Equifax XXXX XXXX and would not provide me access to an updated credit report.
Product: Credit reporting or other personal consumer reports

transunion : XXXX XXXX XXXX is not my address, XXXX is my only phone number the other 8 need taken off, XXXX XXXX XXXX XXXX XXXX needs taken off along with XXXX XXXX because i was given false information. also i dont know what XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  all are ive never done any business with any of these agencies or whatever they are. so please remove
Product: Credit reporting or other personal consumer reports

Dear Experian I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : * Conducting inadequate investigations that fail to address consumer disputes properly. 
* Reinserting previously disputed and inaccurate information without explanation. 
* Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX have been dealing with Syncb/Amazon pertaining to a credit card account that is reporting incorrect/inaccurate information on my consumer credit report ( s ) across XXXX, XXXX & XXXX. This account was closed after XXXX and it is reporting late ( s ) for XX/XX/XXXX & XX/XX/XXXX 30 & 60 day consecutively when this account is XXXX balance and it is not even open. Additionally, there is a 30 day late in XX/XX/XXXX when this account wasn't even open then as well it was closed in XXXX. I spoke with the company representative ( s ) and they are unable to locate the account and on top of it I received a letter from this corporation on XX/XX/XXXX that said that the account is correctly reporting to the account ending in XXXX that they said is incorrect and not from them the representative on the phone said they do not recognize the tone and context of the letter. This is a very frustrating experience over the last 2 1/2 months dealing with this as not only is the creditor clueless to the details of the account they are reporting wrong information on my credit bureau which is severely hurting my credit for the worse. My score has dropped over 50 point ( s ) with the addition of these new wrong late ( s ) and the fact they told me they would look into this and remove these late ( s ) from XXXX, XXXX, XXXX & XXXX however, they can not find the account is frustrating and this financial institution holds on accountability. Reaching out to the CFPB is my last attempt to resolve this with the creditor as I am going to file a suit in my local court and litigate against the credit bureau ( s ) and the creditor as I have notified both of them about the violation ( s ) of their incorrect reporting in which they don't seem to care which has affected me financially and mentally. I am trying to acquire a home and this has severely dropped my score which has affected my personal relationship ( s ) and business relationship ( s ) with this wrong information contained on my consumer credit report.
Product: Credit card or prepaid card

In order to establish a credit history when we moved back to the U.S, I obtained a {$1000.00} secured credit card with Citi Bank. I have n't been able to use the card after the third month. It 's been close to a year since I received the secured credit card. When we called the bank to inquire why my card was n't been accepted by business establishments, I was informed that the card had been canceled and that it could n't be reissued. 
Then we where informed that we would get our {$1000.00} back via regular mail within 6 to 8 weeks. three months latter, they have not returned my funds. 
I have been to the CITI branch three times and have not been able to get a response on what the problem could be. 
The bank has had my {$1000.00} for more that a year. The balance on the credit card is XXXX and as a result : Has not help me to establish credit history as was the original objective. 
I have no use of my own money because CITI wo n't give it back. 
They say that it will be in the mail, but three months latter, I still have not been able to get my money back. What can I do to resolve this problem?
Product: Credit reporting or other personal consumer reports

Trademark Infringement It has come to my attention that TransUnion, XXXX, XXXX, XXXX XXXX, and XXXX XXXX, XXXX  XXXX XXXX and XXXX are attempting to make an unauthorized use ( XXXX ) and also trespassing on my private intellectual property being the Trademark : XXXX XXXX Under XXXX XXXX laws. I am the owner of the trademark XXXX XXXX, Currently with the United States patent and XXXX XXXX under the following registration number XXXX. Therefore, I have the right, including but not limited to restrict, prevent or limit the use of our trademark in order to protect it against any misrepresentation. 
I hereby demand that all entities mentioned above immediately cease and desist in any additional use of my trademark. If you fail to comply with the aforementioned demands ( XXXX ) within XXXX hours, I will have no choice but to pursue all legal causes of action
Product: Debt collection

I moved in to XXXX XXXX XXXX XXXX XXXX located in XXXX tx XXXX on XX/XX/XXXX my lease was from then until XX/XX/XXXX.. I sent my 60 day notice via email which is required in the lease although it isnt stated how it should be received just a written notice. I vacated and left the apartment spotless which I have pictures to prove.. I have the manager XXXX my forwarding address to which I got a letter 3 months later in XX/XX/XXXX stating I owed over XXXX in debt because I didnt give a notice and they charged me a reletting fee and also some other minor charges.. I have tried several times to resolve the matter by sending proof of harassment previously experienced by XXXX and also pictures and proof of my 60 day notice with a response of my rental ledger but all to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I received your response in my complaint # XXXX and Im the one who submitted a complaint on XX/XX/2022. This account ( XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) is reporting on my personal credit file with XXXX, TransUnion, XXXX ( Credit Reporting Agencies ). This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The CRA & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the CRA & DF have not provided me with any evidence of an open contract, signed contract or any valid proof that this was opened, authorized or created by me.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you XXXX  have any type of block on it thank you.
Product: Payday loan

I received a loan for XXXX from mypaydayloan.com. I needed to change my banking info but I 've been unable to log in to see any of my information and also they do not give you access to view your loan contract or payment history. Because of this and not being able to contact them by phone the loan has now defaulted. Immediately following the default they began to send me harassing emails stating that I would never be able to get a bank account or write checks at XXXX and XXXX. I contacted the XXXX to file a complaint because they are also not licensed in the state of Nevada. The XXXX could not assist me because they could not find a valid street address. I called mypaydayloan.com and asked for their mailing address. The gentleman I spoke I said they were located in XXXX XXXX and he seemed a little unsure of the address he was giving me and had to correct himself several times. I 've never experienced this with a creditable business. I believe they are preying on people by barring you from seeing your loan contract and at this point they wo n't even let me log in to their website at all and I 'm still being harassed.
Product: Credit reporting or other personal consumer reports

I believe I am the victim of identity theft, pursuant to section 605B, please remove the inquiries on my FTC reports.
Product: Credit reporting

I have no recollection of this credit inquiry. Nor do I have an account with this company. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, SC XXXX This company DEFINITELY can not produce any documentation or signatures where I have applied for any credit them. I need this inquiry removed. Equifax never attempted to investigate the dispute. They deemed the inquiry valid without investigation.
Product: Credit reporting or other personal consumer reports

I am submitting this Complaint to delete the following fraudulent information in my Credit file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. 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 Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that the Credit Bureaus immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b. Please delete these items as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

All of my student loans were forgiven and removed for my credit report. XXXX of them reappeared. I disputed them with XXXX XXXX and XXXX, and they kindly removed them. I provided proof to Experian showing that the others credit bureaus have removed them and provided them with the letter that the XXXX loan should be removed, and they still have not removed them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I've already sent several letters to the creditors asking them to remove these late payments yet they have not abided by what I have requested. They also have violated my consumer law because they never gave me the option to opt-out out of reporting this information to a third party. 

According to 15 US Code 6802 b, which states that the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information may be disclosed to such third party. 

Date of late payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Account : XXXX XXXX Account number : XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Date of first charge-off payment : XX/XX/XXXX The account was closed in XX/XX/XXXX ; additional late payments were added after the account was closed in XX/XX/XXXX Account : XXXX XXXX XXXX  Account XXXX
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX Balance : {XXXX XXXX XXXX XXXX Balance : {$9600.00} XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX Balance : {$6400.00} XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$5500.00} XXXX XXXX XXXX Balance : {$580.00} XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX Balance : {$9100.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$4200.00} XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX Balance : {$5400.00} XXXX XXXX XXXX Balance : {$580.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$5600.00} XXXX XX/XX/2023 XXXX XX/XX/2023