23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX   XXXX   XXXX   serviced my mortgage for one of the government mortgage holders.  Huntington Bank  bought   XXXX   XXXX   XXXX       In a letter dated  X/XX/2017 ,  Huntington Bank    reported to me that my hazard insurance expired. It did not. They demanded I provide evidence I obtained new coverage. On  X/X/2017  at  XXXX  I corrected the mortgage information with  XXXX . They were to provide the evidence directly to  Huntington  at  XXXX . During a phone call on  X/X/2017  at  XXXX  for  XXXX  minutes, that evidence was accepted.     In a letter dated   XXXX  , Huntington Bank informed me that they paid, or schedule to pay, an insurance renewal premium and received another billing notice from a different insurance company.contacted me again with the same request. During a phone conversation on   XXXX   at  XXXX  for  XXXX  minutes, Huntington demanded I provide evidence of hazard insurance for the period   XXXX   to   XXXX  , a prior period. During the same call,  Huntington  rescinded the demand and stated I would receive a letter confirming cancellation of lender provided coverage around   XXXX  . They affirmed I had no other obligations in regards to providing any other evidence.     In a letter dated   XXXX  , Huntington Bank verified receipt of the evidence, but did not verify the period  XXXX / XXXX / XXXX  to  XXXX / XXXX / XXXX , a prior period. They resumed their demand for evidence of insurance and stated I am responsible for the annual premium of {$910.00} without that evidence. On  XXXX / XXXX / XXXX  at  XXXX , I attempted to call them. They announced they were closed, and I left my loan and phone numbers to have them call me back, as they offered. They did not call back. On  XXXX / XXXX / XXXX  at  XXXX , I attempted to call them again. They announced they were closed, and I left my loan and phone numbers to have them call me back, as they offered. They returned my call at  XXXX , and in that  XXXX  minute call,  XXXX   XXXX  informed me that a policy had been bound already.  XXXX  left a direct fax number.     From the  XXXX  web site, I printed my policy declarations for the period  XXXX / XXXX / XXXX  to  XXXX / XXXX / XXXX . That evidence, and the  XXXX  letters were faxed from my home phone to  XXXX   XXXX  at  XXXX , but has not been accepted at the time of this complaint.
Product: Mortgage

Since XX/XX/XXXX I have been trying to get a letter stating a mortgage was charged off in XXXX. I have a referee deed and a lien release. It shows in their system but they say that isnt accurate even though their system shows a lien release. They cant find my account in their system because it is an old account in their old system.So they transfer me to other departments who say no the letter was approved and you will get it in XXXX hours. Its been XXXX months I have XXXX different case numbers. I just need a letter with my account number stating that the account has been closed. It is an constant back and forth I have been to every department and not XXXX person can do anything to help. Every different representative gives a different story. I have sent in written requests I have called every number I have spoken to every department I get different information from every department. I have spoken to managers and supervisors and they never return phone calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want answers to the Equifax breach. Please make this a top priority!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint to Capital One. I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting.

My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2.
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 XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

There are 3 accounts on my credit report that do not belong to me I need these accounts off my credit report I have been disputing these since XX/XX/2020 and no answers back nothing from the bureaus or the companies that these accounts are from. 

XXXX XXXX - Acct # XXXX {$7400.00} XXXX/XXXX  - Acct # XXXX {$2500.00} XXXX XXXX XXXX - Acct # XXXX {$810.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN A VICTIM OF IDENTITY THEFT. THERE IS SOME FRAUDULENT INFORMATION ON MY FILE THAT NEEDS TO BE BLOCK/REMOVED WITHIN 4 BUSINESS DAYS : XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX Inquiry date XX/XX/XXXXXXXX XXXX  Inquiry date XX/XX/XXXX, XXXX XXXX Inquiry date XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX, XXXX XXXX Inquiry date XXXX XXXX, XXXX, XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX Inquiry date XX/XX/XXXX, XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX  Inquiry date XXXX XXXX, XXXX, XXXX XXXX Inquiry date XX/XX/XXXX 2022
Product: Prepaid card

Someone change my password 3 times and spend my monies in my account. They wont talk to me. They said when I get the answer to verify my account right than they will talk about my account. My account been compromised 3 times and they use my money in my account.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian have stated that thay went and verified a bankruptcy but did not disclose where thay verified the information last time I put in a complaint with a CFPB they said that they verified it through XXXX XXXX, which is false. I opt out of any reporting from XXXX XXXX, and I have loaded a court official document, saying that the court does not report this information to the credit bureaus. This is from a third-party vendor that experience on uses to put these false accusations on my credit
Product: Credit reporting or other personal consumer reports

Re : Formal Dispute and Cease Communication Request for Account ( XXXXXXXX XXXX XXXX ) To Whom It May Concern : I am writing to formally dispute the alleged debt claimed by your agency and to express my concern about possible violations of my rights under both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Please consider this letter a formal dispute, a request to cease all further communication regarding this alleged debt, and a request for an explanation of any recent credit report access.

Cease and Desist Request 15 U.S.C. 1692c ( c ) Pursuant to 15 U.S.C. 1692c ( c ), I request that your agency immediately cease all communications with me regarding this debt. I hereby refuse to pay this debt, and I do not wish to receive any further communication from your agency on this matter. Any further attempts to contact me, beyond those required by law, will be viewed as a violation of the FDCPA, and I am prepared to take action to protect my rights if necessary. 

Unauthorized Credit Report Access 15 U.S.C. 1681b ( 2 ) I have recently reviewed my credit report and noted inquiries from your agency. I am concerned that these inquiries may have been made without a permissible purpose under 15 U.S.C. 1681b ( 2 ). I request that you confirm in writing the permissible purpose under which you accessed my credit report, along with the dates and reasons for these inquiries. If no permissible purpose exists, I request that you remove any unauthorized entries and inform the credit bureaus to do the same. 

I request that you : Confirm receipt of this dispute and cease communication request in writing. 
Cease all further communication with me concerning this alleged debt. 
Provide information on any access to my credit report, including the date of access and the permissible purpose under which access was made. 

Please understand that I am aware of my rights under federal law, and I expect your agency to comply with the FDCPA and FCRA. Failure to do so may result in further action on my part. 

Thank you for your immediate attention to this matter. 

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

Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. I was unaware and did not give permission for my information to be shared. I ask that you please REMOVE the accounts listed below and any inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNTS ARE REPORTED THAT ARE NOT MINE PLEASE SEE ATTACHED LETTERS
Product: Debt collection

A company named Afni, Inc has been bugging me by calling multiple times to over the phone an dnow by sending me collection notice for an account I never owed. Each time they failed 'The Verification of Debt ', my name, my address and the account number. It has been asking me to give my social security number too which I denied.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 
The following inquiries are unauthorized : XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to UPDATE information that does not reflect the current status of certain accounts. More specifically pertaining to comments on accounts. I am requesting that you remove the disputed comments on each of the accounts below with immediate effect. The accounts have either never been disputed, to begin with, or are no longer in dispute. 
I am asking the dispute comment to be removed from the following items : XXXX XXXX XXXX XXXX
Product: Bank account or service

Bank allowed charges to go through on my account after I told them not to via secure message on the online banking site. 
They told me that the conversation I had with their employee only related to not allowing money from my savings account to be used towards the charges and not the main account. 
At no time when I signed up for the account and signed a form to allow charges to go through without sufficient funds or when I advised them to stop allowing any charges to go through was I told that this was a separate agreement.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I submitted a complaint to the CFPB, Equifax responded in XXXX of 2023 stating that they are reporting my information correctly. ( not true ) The information remains the same.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX XXXX I asked XXXX and Equifax for proof of repossession of this auto loan. They have not provided that and it has been well over XXXX  days I sent in a dispute letter on XXXX XXXX they just verified it with no proof of repossession or proof of lien XXXX I sent another letter requesting this information on XXXX XXXX. They have not provided me with any documentation. 

Under the FCRA, if a consumer disputes the accuracy of any information on their credit report and the credit reporting agency ( CRA ) can not verify the accuracy of that information, the CRA must promptly delete that information from the consumer 's credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

the account DP OF EDUC XXXX is reported three times on my Equifax credit report. Same with DPEDXXXX XXXX. This is a total misunderstanding. I have a student loan which was granted DPEDXXXX XXXX. My loan holder granted forbearance, payments were reduced and it is not for collection. It shouldn't appear on my credit report in the first place because this is a government funded loan. Please remove it on my credit report
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed.

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX XXXX {$640.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$720.00} XXXX XXXX  Date Opened XX/XX/XXXX Balance {$9500.00} XXXX XXXX  Date Opened XX/XX/XXXX Balance {$100.00} XXXX  XXXX XXXX Date Opened XX/XX/XXXX Balance {$10.00} XXXX Date XXXX XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Date Novemver XXXX, XXXX Balance {$0.00} XXXX XXXX  Date Opened XX/XX/XXXX Balance {$0.00} **InquiriesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On the XXXX of XXXX after i called condeut or way to go card company who issues my unemployment income because the card that i had received a few days earlier was not working properly because most of my attempts to use the card were declined. I had called multiples times that day. Every time incalled i was on hold for no less than 2.5 hours. I spoke with 3 people during the duration of the day. The last call which was late i was told by a male worker that I needed to transfer all of my money to another account because the card company that was issued for my unemployment is worthless and that best bet is to transfer to personal bank account or paypal, XXXX XXXX  or XXXX because anything is better than the way to go card. I was not able to use the card during the time that i was speaking to him because the atm said that i had reached the max number of transactions for that day. He said that around midnightnight i should be able to transfer money. He said funds would transfer immediatly. He also indicated that if i transfered atleast {$1000.00} i would have that as a backup if my transactions continued to be declined. At around XXXX I transfered {$1000.00} to my girlfriends XXXX card. The next morning no money was on that card. I called way2go card and they explain that on their end it says the {$1000.00} was successfully made. I still have never recieved the money transfer even though it showed on the way 2 go card that it was a successful transaction. I continued to call both companies being money was gone from my account and never put into another. More than 1 week passed and after talking to multiple people, being on hold for up to 4.5 hours, hung up on after being on hold and a 48 hour hold ( white listed ) which i was told by way 2go was something they do make my card work better and ensure no fraud has occured. i wad not able to its use my card for 2 days. Last week when i called to report that the money was still not on my card i was put on hold and a supervisor returned to call told me that it can take up to 10 days and that on that day if money still was not on XXXX card it would cancel the transfer and the money will be in the way 2go account. On the 10th day i was told that the request to transfer never processed and {$1000.00} was never taken from my account and the only reason i diff not see it was because i spentnn it all. There transaction report has a list of places i had gone. Strange thing is that i was unable to use card for 2days however there records show a continous amount of spending even during the time my card was not working they also NOW show that on the XXXX transfered andnmoney was never moved. Im confusedthat for more than 10 days several people all were rude tried to tell me that they show that my money transfered out of this account onto the account i requested. I am fully aware that files can be altered. All i want is the {$1000.00} that is mine
Product: Student loan

The payment details on my student loans is incomplete. My payment history for all my loans is attached from mohela, the loan with the inaccurate counts is loan XXXX. There is an approximate 10 year gap in payment history that is reported from XXXX. This is simply inaccurate. It is possible the payment history was inaccurate that was provided to them from the prior servicer " XXXX  ''. Regardless, the inaccurate reporting is impacting eligibility for PSLF and extending my payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Consumer Reporting Agency, Equifax, did not use reasonable procedures to assure the maximum possible accuracy of my consumer report as it relates to the above-proven inaccuracies, which is a direct violation of the Fair Credit Reporting Act. 15 U.S. Code 1681- Congressional findings and statement of purpose ( b ) 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 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The investigation did not verify the accuracy and completeness of the accounts. XXXX violated the law and failed to provide the required information in their initial response on, XX/XX/23. 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( XXXX ) ( C ) Contents of notice A notice under subparagraph ( B ) shall include ( i ) the reasons for the determination under subparagraph ( A ) ; and ( ii ) identification of any information required to investigate the disputed information, which may consist of a standardized form describing the general nature of such information.