23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a XXXX  ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Product: Mortgage

After CFPB sent my original complaint to SPS, they sent a short sale approval letter to my attorneys with items needed to close the short sale. Thank you. However, they have not provided a release from liability for me. This is now my third complaint submitted in less than XXXX months regarding this company 's deceitful practices. They are now claiming they have to get the investor 's approval to obtain the release from liability. However, I have a letter from XXXX XXXX XXXX XXXX department stating they ( XXXX XXXX ) are only the trustee of the trust and all decisions regarding this loan are made by the servicer WHO IS SPS ( they claim ). 
I have attached the letter here. The only problem I could see with them not providing this release is if XXXX XXXX is not really the investor and maybe XXXX XXXX XXXX is the investor since SPS now refers to themselves as attorney-in-fact for XXXX XXXX XXXX. I have also attached XXXX letters XXXX from XXXX XXXX I received in answers to XXXX sent out in XXXX. One stating XXXX XXXX is the investor ( but lists an address in South Carolina and there have never been any XXXX XXXX in SC ). The second letter from XXXX then states XXXX itself is the investor on this loan.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FLORIDA, XXXX XXXX XXXX Date : XX/XX/XXXX Equifax Consumer Services XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Information on My Credit Report Dear Equifax , I am writing to formally dispute inaccurate information on my credit report, which continues to persist despite my previous attempts to resolve these issues. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate representation of my credit report, and I expect these inaccuracies to be addressed promptly. 

I have previously disputed these errors, but they remain unresolved. Specifically, I have identified the following incorrect entries : 1. XXXX XXXX XXXX, XX/XX/XXXX The information is incorrect because i never lived there. 

Please refer to my previous dispute records for reference. 

As you are aware, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against Equifax in XXXX due to systemic issues regarding the accuracy of credit reporting and the failure to correct erroneous information. The CFPBs legal action highlighted serious concerns about the accuracy of data provided by Equifax and the lack of proper dispute resolution. It is concerning to me that these same issues are affecting my credit report, and I expect them to be handled in accordance with the law. 

I am requesting that you conduct a thorough investigation into these matters and remove or correct the inaccurate information within 30 days as required under the FCRA. Failure to address this dispute will leave me with no choice but to escalate the issue further, including filing a complaint with the CFPB and potentially seeking legal action to enforce my rights. 

Please confirm in writing that the necessary corrections have been made or provide an explanation as to why these items can not be corrected. 

I expect prompt and thorough action on this matter. 

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

I sent a letter on XX/XX/XXXX to remove the items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) they are required to remove/block any items not later than 4 business days. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XX/XX/XXXX XXXX  XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$270.00} XXXX  XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I received a copy of my credit report. To my Surprise, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of {$0.00}. According to FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. 
XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXXXXXX XXXX XXXX XXXXXXXX .... Balance : {$8500.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$290.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and California Laws Dear CREDENCE RM, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), the California Consumer Credit Reporting Agencies Act ( CCCRAA ) under California Civil Code Section 1785.20.5, and identity fraud laws, specifically California Penal Code Section 530.5.

It has unequivocally come to my attention that CREDENCE RM has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, California state law, specifically California Civil Code Section 1785.20.5 of the CCCRAA, emphasizes the necessity of consumer consent for credit reporting. Furthermore, California Penal Code Section 530.5 underscores the severity of unauthorized access and misuse of personal information, which is classified as identity theft under California law. 

I assert with unwavering certainty that I have not provided consent for CREDENCE RM to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that CREDENCE RM immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and California Civil Code Section 1785.20.5 of the CCCRAA. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity theft laws.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, California state law, and identity theft laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that CREDENCE RM will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a inquiry on my credit reports from XXXX XXXX showing a credit card. I XXXX XXXX did not apply for a credit card. And I wish that its removed from my credit report due to fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This letter is to follow up any response from you after 30 days of investigation. As I reviewed my Credit Report I have noticed that there is still an item that is reporting as erroneous and incorrect information. This just proves your lack of proper record keeping. Now, this item is reporting to be 30 days past due, yet it is closed and the balance is XXXX. Lets correct this immediately for the other bureaus has already corrected this account on their end. 


XXXX XXXX XXXX XXXX Late DateXX/XX/XXXX
Product: Mortgage

I purchased my house on XXXX 2016, and when i purchased the house i was given an impression that i have to stay with my home insurance company or there will be a problem with my mortgage approval, but the insurance company was asking me to register my vehicle as well or my insurance will go way too high. i forced to get the home insurance through my private insurance company since it was affordable and i was very clear to the mortgage provider that my insurance should not be paid through my escrow but after a year i found that they have been paying home insurance through my escrow, while i was paying my private insurance separately. Since i found about it my loan care is ignoring my emails and i am not getting any answers from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has never been negative or late. I have submitted all documents and the account is still appearing only on XXXX.
Product: Checking or savings account

In XX/XX/2023 I joined Old National Bank ( ONB ) as a XXXX XXXX XXXX. Upon completing my onboarding paperwork, I was advised in order to receive direct deposit for my pay that I was required to open an account with ONB. ( XXXX is the payroll processor for ONB ). The only alternative ONB offers is to mail your paycheck. This account requirement causes significant hassle given external bank transfers need to be made to satisfy bills and other expenditures where those accounts are registered. I had to move my paycheck every Friday from ONB to XXXX via XXXX transfer. Luckily, the daily limit for XXXX did not negatively impact me. XXXX I further believe ONB 's employee checking account requirement falsely inflates their number of customers. There are roughly 4,000 employees at ONB equaling an additional XXXX deposit accounts that were not intended to be opened by the employee if it were not for the bank 's requirement. It does seem to be a potential Reg E violation, though I believe Reg E states an XXXX  can not force you to have an account for employment itself. XXXX Please note I have since left the company but do wish to file this complaint as the mandate is still in place.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past 8 months I have writing over XXXX plus letters to multiple credit reporting agencies for the inaccurate information that they have been reporting to my credit report. I have also written many letters to CFPB as well, informing them of these problems as. I have accounts on my report that according to the FCRA should not be reported such as age out accounts, accounts that have been re-aged, public records ( which do not even report to the credit bureaus in the State of Maryland but use XXXX which is a third party in which I also reviewed my report with them and they don't have any records of my filing bankruptcy ) and inquires that I have not authorize all in which fall under the FCRA section 6231 ( A ) ( B ) and because of the erroneous information being reported on my credit report I am unable to purchase a home. XXXX  XXXX XXXX  XXXX  was open XXXX been on my credit report for XXXX and 8 months, XXXX  XXXX XXXX XXXX was open XXXX been on my credit report for XXXX and XXXX ( not to mention I no idea who this company is ). I would like to have all the erroneous information removed from my credit reports. I have done everything that I can to have this happen but to no avail. I have reached out to an attorney to file a lawsuit against these companies and is currently waiting on my appointment date to begin the process. Again, am just asking that these companies report accurate information in which they are required to do due under the many rules and regulations that is governed by the FCRA.
Product: Debt collection

On XX/XX/2020 I contacted Thunderbird Collections to negotiate a settlement and a delete request from the credit report. I explained in writing to XXXX XXXX that this debt is something I do not feel should be on my credit report as it is showing as an eviction amount. I purchased a mobile home and three months later the mobile home collapsed due to an undisclosed termite infestation. I was then evicted from the mobile park, and was given a bill to have the mobile home removed from the mobile park. I refused to pay the bill, as the cause of the house collapsing was due to the termite infestation. Approximately a year later, I had a debt on my credit report by this property company for an eviction amount. On XX/XX/2020 I offered to pay {$1600.00} to have this permanently removed from my credit report. 

On XX/XX/2020 XXXX from Thunderbird Collections, who I only recognized his voice based on our conversation the previous day, called my cell phone. XXXX did not announce who he was or identify himself at all or that he was calling on behalf of Thunderbird Collections. XXXX proceeded to speak aggressively, stated that he was not going to contact XXXX XXXX XXXX to negotiate the debt, but he threatened to put a judgement and garnish mine and my ex wife 's wages if I did not pay the full amount by the end of today. XXXX hung up the phone after I said that I would be contacting his manager, XXXX XXXX to discuss his inappropriate behavior. 

On XX/XX/2020 just after XXXX hung up on me, he contacted my ex wife 's place of employment and demanded to speak to her. The office staff notified him that she no longer works there, as he was being aggressive and threatening. XXXX did not identify himself and the office staff feared for my ex wife 's safety and did not give out any information or acknowledge that she works there.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I initiated an international money transfer for a sum of US {$6000.00} from my XXXX  XXXX XXXX checking account to my XXXX  Savings account in XXXX held at XXXX XXXX XXXX XXXX, XXXX, XXXX using a service offered by Remitly. The funds were scheduled to be deposited into my XXXX account by XX/XX/2021. On XX/XX/2021, I did get a message from Remitly that there was an issue with the transfer. I was asked to log into my Remitly account, which I did. There was nothing actionable in the account. I was busy all day on Friday, XX/XX/2021 and wanted to call Remitly to resolve the issue in the evening after work. 

On XX/XX/2021, in the evening, I received a message from Remitly that my destination bank account was successfully updated to XXXX XXXX  and that the funds were deposited into that account. To be clear - I do not have an account at XXXX XXXX. The final leg of this transaction was fraudulent. I frantically called Remitly on Friday and informed them. I have been calling them daily this week - but do not have much from them. They keep saying that it is being investigated ... and that they are emailing the XXXX XXXX requesting the money to be returned. I am not sure what my next steps are here. I will be heading to XXXX  XXXX XXXX tomorrow and will let them know that this happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the following are currently in violation of 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. 

TRANS UNION XXXX XXXX XXXX XXXX Balance {$440.00} XXXX Act. # XXXX Opened XXXX Reported XXXX XXXX XXXX Balance {$860.00} XXXX  XXXX Act. # XXXX Opened XXXX Reported TRANS UNION INQUIRY- XXXX XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

JPMORGAN CHASE BANK XXXX XXXX is where my deposit accounts have been where disctrpncies are being found. Several accounts have been affected because the bank offers promotions for opening a new deposit account and therefore while taking advantage of these offers confusion has taken place. The following accounts are affected -- XXXX this is where 3 stimulus payments were to be received and I have found only one {$1400.00} -- XXXX is the next account held after the prior ending in XXXX -- and today a secured checking account XXXX -- from this the state of MI income tax refund has not been deposited from XX/XX/XXXX for the XXXX tax year. 

I have found blocks put on credit offers at this bank and get the impression the bank is controlling my personal financial interests without my consent ongoing!
Product: Debt collection

Good Morning, I have a very strange and particular problem which I have found no answers in a XXXX search. I will try to make it as short as possible. 

in XXXX got pulled in XXXX XXXX where I live. Forgot my purse and was ticketed and XXXX XXXX XXXX for Expired Drivers License and No prof of Insurance. Went to court and began to pay fines per month. Here is where the disaster begins. Lost my job and could not make a payment, ticket went to XXXX  and cost me an extra XXXX. After that the city of XXXX XXXX refers the fines to a collection agency Called Harris and Harris in XXXX XXXX XXXX XXXX XXXX, XXXX IL XXXX XXXX XXXX. Got back on track and began to make payments to Harris & Harris.. My fines were approx. 2,400.00 when it all began. Basically, 2 parking tickets, the Driving expired license, and No prof of insurance. 

Paid XXXX per month to Harris from XXXX to XXXX or XXXX. In XXXX a medical issues set me back and I called Harris & Harris to ask for a day delay in payment. I was told absolutely NOT. If they were not paid they Contact the court and have another XXXX  issued for failure to pay fines, which it totally understandable. 

Imagine my surprise when I received my tax refund and called the Courts to find out my balance. I was informed by the court that they have NOT received a payment on the Driving on the expired license, no proof of insurance SINCE XXXX. I have paid Harris and Harris over XXXX towards XXXX in total fines. They now say I currently own something like {$1600.00} on the expired license and XXXX on the no proof of insurance. The numbers from the Court show XXXX / XXXX total due. 

Harris & Harris had my birth date incorrect, my address wrong and does not have all the payments I have made. THey have not contacted the court, they took my money failed to pay correctly which ended up in a XXXX. They should be responsible for the extra charges inccured for payment I made to them, they just didnt pay the court. 

The level of stupidity is amazing, this is not my credit card but a court fine and my FREEDOM, I asked them to contact the court and for a full accounting two weeks ago and I have received NOTHING. The currently is a XXXX  fee, of XXXX for not making a payment when I have. 
What can be done here? I think at the very least my XXXX  fees incured because of failure, incompatence and or abject stupidity on behalf of Harris and Harris should be returned to me fourthwith