23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XXXX Mr.Cooper took over my Mortgage from XXXX on XXXX I mailed a notice of error of escrow because the amount they were trying to collect was far too high, and my escrow balance was too high compared to what would be owed in taxes at end of this year. They ended up providing me with a refund of escrow because they deemed what I said to be correct. By XXXX my bill & escrow amount was correct totaling {$1500.00}. By XXXX the bill was for incorrect amount of {$1900.00}. I spoke to XXXX in customer service on XX/XX/XXXX @ XXXX to address this, as they increased the escrow from {$410.00} to {$750.00}, in error. They also noted the payment I made in full on XXXX was a partial payment ( error ). After speaking with XXXX, he said hed have escrow analysis done. I received two letter from Mr. Cooper. One dated XX/XX/XXXX & one dated XX/XX/XXXX & Both showed my escrow to be {$410.00} with payment amount of {$1500.00}. I made that payment on XX/XX/XXXX. I received a statement they created on XX/XX/XXXX showing my payment due XXXX in the amount of {$3800.00}. They did not apply my full payment from XX/XX/XXXX to my XXXX due date. They actually suspended the payment I made! On XX/XX/XXXX I spoke to XXXX XXXX who states that because I made my payment prior to XXXX, that I messed up my account! The escrow noted as due was incorrect on this statement, as well as payment due. XXXX XXXX states my payment should be {$1500.00} and that she would rectify this and told me to make my payment on XXXX, and not before. On XXXX I logged into online account and it shows payment due in amount of {$1600.00}, with escrow at just over $ XXXX-all incorrect again! I have left a message for XXXX XXXX and sent her an email regarding the incorrect amount due today! They constantly try to adjust my escrow when nothing has changed, and this is after they have done XXXX escrow analyses to show my monthly escrow of {$410.00}! They constantly try to rip me off. And continue despite numerous calls and attempts to rectify this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of buying a house, a credit report from my mortgage broker was given to me. This account does not belong to me. This account is having a negative impact on my life and is effecting my ability to purchase a house. I do not know how this account was put on my credit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> EQUIFAX XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern I received a copy of my Equifax credit report and noticed items that need deletion. 

They are as follow : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your company is in violation of the fair credit reporting act ( FCRA ), otherwise known as 1

5 USC 1681. Pursuant to 15 USC 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies, THE LAW
CLEARLY STATES : ( A ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( a ) reporting information with actual knowledge of errors A Person shall not furnish any information reliance to a consumer to any consumer reporting agency if the person knows of has reasonable cause to believe that the information is inaccurate Clearly, prohibition means something that is not allowed. The law says a person ( you in the case ) 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. 

Accuracy is defined as a measure of value. Having this information on my credit report is not of value to me so therefore it is inaccurate and I demand it be deleted from all consumer reporting agencies. 

Lets look at has reasonable cause to believe that the information is inaccurate I CLEARLY showed you in my previous complaint ( that you received via CFPB ) that you have REASONABLE CAUSE to believe that the information in INACCURATE by me CLEARLY defining accurate and what it mean to be inaccurate and pointing out the laws that youve violated, therefore the information being inaccurate! 


While were at it, pursuant to 15 USC 1681a ( 4 ) - Congressional findings and statement of purpose, THE LAW CLEARLY STATES : ( a ) Accuracy and fairness of credit reporting The congress makes the following findings : ( 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. 

Clearly, my right to privacy as a consumer has been violated by publicly reporting this information when I never gave your organization permission to report my information. 



This is getting out of hand, so if you continue failing to follow the law after Ive CLEARLY showed you that you have reasonable cause to believe that the information is in fact inaccurate, this matter will result in legal actions being taken against your company, also I will be seeking a sum of {$1000.00} per violation of the following : 15 USC 1681n - Civil liability for willful noncompliance 15 USC 1681o - Civil liability for negligent noncompliance You have 14 days to respond upon receipt of this letter to delete the referenced items and send me a new letter notifying me that the information has been deleted from all consumer reporting agencies and also mail me a new copy of my report.
Product: Credit reporting or other personal consumer reports

I asked Experian to remove the bankruptcy bylaw. I did not give them consent to put that on my credit profile. I also asked him to remove XXXX XXXXXXXX because it was open fraudulently also, cba which is XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and several other cards that was open without my knowledge I have provided them with the correct information on my report with my address including phone numbers in a real email that belongs to me
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXX 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

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, 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 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: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX I accessed my free credit report with all 3 reporting agencies. For the last three years I was not able to access Transunion 's only XXXX and XXXX. Transunion would state there was a problem then prompt me to pay for the report. This year was the first time I was able to access. Transuion had multiple addresses that were not mine, ever that I had to dispute. Transuiion had no current employer information. They had my current employer as XXXX XXXX which I worked at almost 30 years ago. I submitted my current address and was able to delete all of the incorrect phone numbers which were over 20. Transunion had a Date of Birth for me reflecting XX/XX/XXXX. How did it get there I don't know. When I asked them they merely stated that I needed to submit to them my birth certificate in order for them to change it. I was furious! How is it that XXXX and XXXX   has the correct information but they do not? How is it that someone was able to go into this credit report and change it? Was it a Transunion employee? was it someone posing as me? I am well over 40 with XXXX daughter in college in another state and XXXX who just got accepted. I was denied a loan that pulled A Transunion report, and I didn't understand why until now. If the DOB information did not match, then it would have looked like I wasn't who I was claiming to be. IRS, CA DMV has my correct date of Birth, why doesn't this federal entity? I filed 2 complaints with the  FTC. I spoke with a representative today which told me to file a complaint with this unit. Can you please investigate and see how long this information has been this way? As well as who submitted an incorrect DOB on my Transunion Report? I currently have security freezes on all 3 reports that fall of in XX/XX/XXXX due to possible identity theft with a company posing as real employers on XXXX and had Homeland security forms. I reported it to Ca Attorneys Generals Office as well as the FTC
Product: Debt collection

I have disputed the XXXX XXXX XXXX on my account multiple times because it is due to identity theft and i have stated that numerous times in disputes to no resolve. This needs to be taken off my credit as it was identity theft. It says closed XXXX XXXX, 2015 and amount being {$1000.00}.
Product: Debt collection

There is an account on my Experian credit report that reported by XXXX XXXX XXXX. This account is inaccurate and incomplete. The account is not collectable due to statute of limitations and has not arisen from a written contract that I signed.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE 3 COLLECTIONS WERE REINSERTED ON MY CREDIT. I WAS NOT NOTIFIED WITHIN 5 DAYS FROM THE CREDIT REPORTING AGENCY, THEREFORE, WE ARE IN IN LITIGATIONS. ( 1 ) COLLECTION SERVICE Reported : 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

I have previously disputed XXXX XXXX Bankruptcy case # XXXX with you, and in response, you verified the item as accurate, stating that you have verified the information with the court. I contacted the court, and their response is below. 

" The Bankruptcy Court has no interaction with credit bureaus, including Equifax, XXXX, and XXXX. The Bankruptcy Court does not report information regarding bankruptcy cases to credit bureaus and does not verify the accuracy of information regarding bankruptcy cases held by credit bureaus. '' It is clear they do not report to you or any Credit Bureau for that matter ; therefore, your initial response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ), and the information must be deleted immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT. I RECENTLY LEARNED THAT MY PERSONAL INFORMATION WAS USED TO OPEN CREDIT CARDS UNDER MY NAME. I DID NOT OPEN AND AUTHORIZE THESE ACCOUNTS, AND THEREFORE, I REQUEST THAT CREDITORS ABSOLVE ME OF ALL CHARGES ON THESE ACCOUNTS, AND THAT THEY TAKE ALL APPROPRIATE STEPS TO REMOVE INFORMATION ABOUT THESE FRAUDULENT ACCOUNTS FROM MY EXPERIAN CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

There were 2 inquiries made 1 on XX/XX/2020 ( XXXX ) and XX/XX/2020 ( XXXX ). Someone fraudulently applied for a paypal mastercard but was denied. I received an alert from XXXX XXXX and contacted SYNCB/PPMC immediately. On XX/XX/2020. A fraudulent inquiry report was supposedly sent to XXXX   to have it removed. They told me to allow 60 days for the inquiry to be removed. I waited past XX/XX/2020 and contacted the company again they seen my complaint and said it was sent. I contacted XXXX and they stated they never received the fraud inquiry deletion complaint. XXXX told me to have them re submit and to call XXXX upon submission. I contacted SYNCB/PPMC again to ask to resubmit. The agent told me he resubmitted the request for deletion electronically. I advised him to call XXXX he stated that they can not do that. I asked for a copy of the deletion request to be sent to me so that I can send to XXXX by Mail to ensure that they receive it. He stated he can not do that either. This inquiry is still on my credit report and I have no way of making sure this fraudulent inquiry is removed. I just found out about the 1st inquiry today on XXXX and this one need to be removed also, on my credit it appears as SYNCB.
Product: Credit reporting or other personal consumer reports

I am a victim of human trafficking, I'm filing this CFPB complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Chex Systems credit reporting agency block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of many unauthorized inquiries listed on my consumer report this request IS NOT MADE IN ERROR OF ANY KIND! PLEASE BLOCK AND DELETE THESE ACCOUNTS that will be listed in this complaint.
Product: Credit reporting or other personal consumer reports

Hello, My name is XXXX XXXX and I have placed a complaint regarding improper use of my credit report as follows : According to the Fair Credit Reporting Act 15 USC1681 section 602 a states " 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. 

XXXX, XXXX, Experian are consumer reporting agencies and I am the XXXX. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those 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 whom it relates. " According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

LVNV FUNDING IS CHANGING THE STATUS OF THIS ACCOUNT AS CLOSED ONE MONTH THEN OPENED THE FOLLOWING MONTH. SINCE XXXX 2019 THE STATUS OF THIS ACCOUNT CHANGES EVERY OTHER MONTH OPENED/ CLOSED THEY PURPOSELY LIE TO THE 3 CREDIT REPORTING BEAREAUS. THIS IS DONE INTENTATIONALY ELECTRONICALLY. AFTER I MAKE DISPUTES TO THE 3 CREDIT BEAREAUS THEY MARK THEM AS CLOSED. THE FOLLOWING MONTH THEY ARE CHANGED BACK TO OPEN.THIS MUST END. THIS ACTIVITY IS ILLEGAL BY FEDERAL AND MARYLAND STATE LAW. AFTER 3 YEARS AFTER FIRST DELINQUENCY THE ACCOUNT IS OFFICIAL CLOSED AND YOU CAN NOT SUE OR SEEK A LEGAL REMEDY. I SENT THEM CEASE AND DESIST NOT TO CONTACT ME VIA US CERTIFIED MAIL AND RECEIVED GREEN RETURN CARD.
Product: Debt collection

Upon reviewing my latest credit report, I noticed multiple accounts that appear inaccurate and were added without my consent.
Product: Credit reporting or other personal consumer reports

I was informed by my tax preparer that my personal information was lost/stolen by movers during a commercial relocation in XXXX I was advised that she made a police report and I should monitor my information going forward. I placed a fraud alert with credit report agencies. I recently pulled a copy of my report and noticed accounts that I have no knowledge of. The creditors include : XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, and XXXX. I have no affiliation with these creditors and these accounts are not mine. Furnishing accounts to my credit profile due to identity theft is in direct violation of 15 USC 1681c-2. I've contacted XXXX, EXPERIAN, AND XXXX twice to rectify this solution requesting verification of these accounts. 

This information being furnished to my profile is affecting my ability to purchase a home. I also noticed credit inquiries being furnished from XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX. The inquiries were furnished without my knowledge or written consent which in violation of 15 USC 1681B. 

I also requested that addresses that are not mine, and names that are not mine be removed from my credit profile and I see that they are still being reported.
Product: Debt collection

I did a voluntary repossession due to XXXX XXXXXXXX. I had less than XXXX left on vehicle but they sold vehicle in an auction and did not update the amount left for me to pay for vehicle and charged me the full amount at signing off on my account and it caused a charge off on my credit.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CASH APP ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the bureaus on several occasions in regards to the vehicle reporting on my credit reports causing me harm that i do not need. NOBODY seems to have an answer of to why a vehicle im not associated with or a vehicle I have no recollection on is in my name and or reporting. XXXX XXXX is reporting a vehicle that isnt mines on my credit report, it was done without my consent and without my knowledge. They are reporting a XXXX XXXX XXXX that has been illegally attached to me. Find out who did this and send me documentation that was used to open the loan as well as signatures. Please delete this so I can move forward with my future endeavors.
Product: Debt collection

I received notice on XX/XX/year> from my credit monitoring company that a collection account was added to my credit report. This company did not notify by any means nor provide me an opportunity to validate this issue. Furthermore, XXXX attempts have been made by mail.
Product: Credit reporting or other personal consumer reports

XXXX XXXX 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. This fraudulent, inaccurate, and false information consists of a car loan opened at XXXX XXXX XX/XX/XXXX ( removed XX/XX/XXXX ) and a collection account as a result of this XXXX XXXX  which is reporting on my file as XX/XX/XXXX I've called and spoken with XXXX XXXX through numerous ways of contact to resolve issue and delete said file. XX/XX/XXXX I sent a letter disputing and asking for verification and was only sent a letter with name on it. I called on XX/XX/XXXX and spoke with XXXX, I emailed XXXX XXXX XX/XX/XXXX and sent over fraud documents disputing this claim as well of incarceration paperwork and news article. On XX/XX/XXXX I spoke with XXXX XXXX who used profanity and told me why did I need to remove an account if I was in XXXX. I do not recognize the aforementioned accounts or collections as reported. The above mentioned accounts and collection appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the above and mentioned accounts and collections are the result of identity theft and fraud. I have attached all correspondence 's and a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the above mentioned consumer credit accounts and collections are the result of identity theft and fraud.
Product: Debt collection

Hunter Warfield, A debt Collector company had contacted me and stated that I had owed XXXX XXXX XXXX XXXX XXXX {$690.00}, they said I have rented the property and now owed the landlord. I told the rep from Hunter Warfield that I have been live in XXXX XXXX many years, I have never rent a house in XXXX, Ca. They claim its my social number and all the personal information. I have reach out to the police and tried to file a report. This Claim had hurt my credit score very badly too. Please help.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX To Whom It May Concern : TransUnion XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Unauthorized Inquiries Request for Removal Based on FCRA Violations and Identity Theft Protections Dear Sir/Madam, I am writing to dispute certain credit inquiries listed on my credit report. Upon reviewing my credit file, I have identified inquiries that I believe were made without my consent or in violation of applicable federal laws, including the Fair Credit Reporting Act ( FCRA ). Based on the provisions set forth in 15 U.S.C.

1681b ( 2 ), 15 U.S.C. 1681 ( q ), 15 U.S.C. 1681c-2, 15 U.S.C. 1681c-2 ( c ) ( a ), as well as compliance with XXXX standards, I respectfully request that you investigate and remove these inquiries from my credit report. 
The Inquiries Are As Follows : - XXXX XXXX On XX/XX/XXXX - XXXX XXXX On XX/XX/XXXX Attached below is a formal dispute letter detailing this matter along with a FTC report and a copy of my passport and ssn