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

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Personal Information Current Address ( es ) : XXXX XXXX XXXX XXXX, TN XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, TN XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX Collection/Charge Off XXXX XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX  XXXX XXXX XX/XX/XXXX {$140.00} XXXX  XXXX XXXX XX/XX/XXXX {$130.00} XXXX XXXX XX/XX/XXXX {$2400.00} XXXX XXXX XXXXXX/XX/XXXX {$0.00} XXXX  XXXX XX/XX/XXXX {$710.00} XXXX  XXXX XX/XX/XXXX {$4200.00} XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$2900.00} XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$3800.00} XXXX XXXX  ( XXXX Creditor : XXXX XXXX XXXX XXXX XXXX {$710.00} XXXX  ( Original Creditor : XXXX XXXX  ) XX/XX/XXXX {$4000.00} XXXX  ( Original Creditor : XXXX XXXX  ) XXXX XX/XX/XXXX {$850.00} XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$15000.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX A ) XXXX XX/XX/XXXX {$4200.00} XXXX XXXXXXXX {$0.00} XXXX  XXXX XXXX XX/XX/XXXX {$380.00} XXXX XXXX XXXX {$500.00} XXXX XXXX XX/XX/XXXX {$3400.00} XXXX XXXX XXXXXX/XX/XXXX {$5300.00} XXXX XXXX XXXXXXXX {$560.00} XXXX XXXX XX/XX/XXXX {$860.00} XXXX XXXX XXXX XXXX {$850.00} XXXX XXXX XXXX XX/XX/XXXX {$390.00} XXXX XXXX XXXX XX/XX/XXXX {$200.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$15000.00} XXXX XXXX XXXX XXXX {$3900.00} XXXX XXXX XX/XX/XXXX {$2900.00} XXXX XXXX XX/XX/XXXX {$3800.00} Late Payment XXXX XXXX XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Im reaching out again because my credit reports are still full of inaccurate and unverifiable information, and despite my previous disputes, nothing has been corrected. Ive been dishonored and ignored, and its unacceptable. This complaint also ties into some ongoing CFPB cases, which Ill list below. Charged-off accounts that shouldnt be there are still showing up. These shouldnt be on my reports, and the IRS even treats charged-off debt as income, so why are they being reported as negative? Collection accounts that Ive repeatedly asked for proof on remain. None of the bureaus have provided valid documentation proving I owe these debts, yet they still report them. Experian wont remove bad addresses that Ive told them are incorrect. TransUnion refuses to send my report in the mail like I asked.Equifax wont send my dispute results by mail, making it harder to keep records. This is a problem because FCRA Violations ( 15 U.S.C. 1681i ) They are supposed to correct errors, but they havent. FDCPA Violations ( 15 U.S.C. 1692g ) They havent given me valid proof of these debts. FCRA Negligence & Willful Noncompliance ( 15 U.S.C. 1681n & 1681o ) They knowingly left inaccurate info on my report, which has hurt me financially. What needs to happen now is Remove all unverified, inaccurate, and outdated information. Follow federal laws on disputes and reporting. Compensate me for the damage this has caused, at {$1000.00} per violation, payable in lawful money ( 12 U.S.C. 411 ). 
Related CFPB Case Numbers : XXXX XXXX XXXX expect this to be handled immediately. If this doesnt get fixed, Ill have no choice but to escalate further. Looking forward to your response.
Product: Mortgage

I own XXXX different condominiums and Roundpoint continues to be the only servicer that refuses to do any work whatsoever to secure condominium master policies directly, but instead goes out of their way instead to send letters annually threatening to put in place their own insurance policies and charge the borrower if they don't get proof of insurance. Roundpoint is probably doing this to make money off of whatever policies they are putting in place, or at a minimum refusing to adhere to any basic standards like other servicers are doing. The other condominium mortgage servicers that do basic due diligence are XXXX and XXXX. They are awesome and are always able to directly get the master policies. 
What makes it worse is that XXXX directed me to a website to submit materials and the website didn't even work. I have attached the master policy.
Product: Debt collection

I went to apply for an apartment, and was denied because of a RNT Debt of {$6600.00}. The amount is incorrect, since the property took me to court and was awarded a lower amount about 1/3 of this amount by a court judgement. They have this on all three credit reports and with such an excessive high balance it is impossible for me to rent any apartment at all. The apartment community although practicing fair housing, since they got a rehab loan from the government, intended to defraud me and a social service agency willing to help me catch up on the rent. They were going to take the money and still evict me. One of the leasing agents told me about their nefarious plans. I went to court on them, they also refused to repair anything in the apartment, we had a swarm of sewer gnats coming out of the drains, and they even called my utility company and lied that I had moved and had my lights turned off, because I fought them in court. They filed the wrong paper work, and could not evict me, and had to start the process over again, but the judge gave them the extra month in the judgement it took to finish the paperwork. This is a foul, dirty apartment company, and they are still upset that I fought against them when they lied and were going to use me and the social service agency.
Product: Checking or savings account

I received a mail-in offer from Citi Bank promising a {$300.00} cash bonus if I opened a Citi Priority Checking Account. The qualifying activities required to receive the bonus were ( 1 ) make {$750.00} worth of purchases on the debit card, and ( 2 ) make 1 or more bill payments for 2 consecutive calendar months. I completed these activities and I have not received the cash bonus.
Attempts to resolve this issue with Citi Bank customer support : XX/XX/XXXX Spoke with XXXX + Supervisor @ XXXX Details : During the call XXXX XXXX filed an investigation, they also directed me to mail a letter to their HQ at XXXX XXXX XXXX , XXXX XXXX TX . Later I received a letter stating that the claim was denied. 

XX/XX/XXXX Spoke with XXXX Confirmation # : XXXX Details : During the call a second investigation was filed. Later I received a letter stating that the claim was denied because the offer was not attached to my account. 

XX/XX/XXXX Spoke XXXX Confirmation # : XXXX Details : No further resources left, claim is still denied. No payout of the promised {$300.00} cash bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX  did n't replying in a timely manner to my initial letters, or have they to date a fter 4 cert ified, mail request, they have not only violated federal law, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.     I made numerous goodwill attempt to have them clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in there reporting.   I kept a careful record of my communications with them for the purpose of filing a complaint with the FTC and the Attorney Generals office, they still continued non-compliance of f ederal laws under the Fair Debt Collection Practices Act. I further remind them that they may be liable for your willful non-compliance, as per FDCPA 807. Fal se or misleading representations  [ 15 USC 1962e ] As t hey have violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, they must now remove the item. Any other actio n ( or i n-action ) on their behalf has resulted in a small claims action against their company  in   XXXX   XXXX  .      As well they did not place on my credit report that I was disputing the account.     I also am filing lawsuit against  XXXX ,   XXXX    &  TransUnion for not investigating nor responding to me as well, and taking no action when  XXXX   XXXX  did not reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Regardless of the multiple written requests, the unverified CAP ONE AUTO account is still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian makes it very difficult to place a credit freeze on your account in the event of suspected identity theft ( we accidentally gave sensitive financial information to a phishing email on XX/XX/25 and tried to freeze our credit on the same day ). It seems that they do this intentionally as placing a credit freeze can be accomplished fairly easily online at the other two credit agencies. It is similarly difficult to place a fraud alert with experian compared with the other credit agencies. At this point we have been unable to place a credit freeze with experian and we are having to mail documents just to place a fraud alert. We have already placed credit freezes with the other credit agencies, which again was fairly straight forward. Experian does apparently allow for a credit freeze to be placed by mail, however due to the outrageous amount of documents they request be sent by mail ( which they won't allow to be uploaded online ) and our concern that it will be very difficult to remove a freeze with experian in the future ( there are many reports of this online ) we have not attempted this. Additionally when we attempted to upload documents for a fraud alert online, experian 's upload site simply times out. I have tried multiple times. Again, it seems that they intentionally make the process difficult. We have tried to call, but we were never able to reach a person to speak with. Credit agencies are required by law to allow for fraud alert and credit freezes to be placed. Experian seems to be doing their best to comply as little as possible with law.
Product: Debt collection

I fell behind on my payments to XXXX XXXX due to being in an accident, which left me unable to work for the past year. XXXX XXXX cancelled my accounts and sent my bill to a law firm, Michael & Associates , PC for collection. 

On XX/XX/XXXX, I received a letter from Michael & Associates , PC. They were attempting to collect my debt for XXXX XXXX and they told me they had a wide variety of payment options to assist me with paying my debt back. 

There was a phone number included if I had any questions or if I wanted to make payment arrangements. I called the law firm in XX/XX/XXXX and spoke with one of their attorneys. I told him I wanted to set up a payment plan and would be ready to start a payment plan in the next month or two. He advised me to call him when I was ready to make payments. He said he would touch base with me in about a month and that it would be no problem. 

One month later I received a letter dated XX/XX/XXXX which said please be advised that this law office is in the process of filing a lawsuit against me. As soon as I read the letter I called the office and gave my case number and asked to speak with the original attorney I spoke to the first time I called. 

I got transferred to a woman named XXXX XXXX who told me I could not speak to the original attorney. I asked for his full name and she refused to give it to me, and only offered me his initials, ( XXXX   ) and was told that he did not work in that office and I could not speak to him. I told her I was ready to set up a payment plan but the amount I told her I could pay was not acceptable to her. She said she needed at least {$2000.00} up front and then we could figure out a payment. She asked me if I could borrow money from my family or if I had Social Security. I told her that was not an option and that I did not have Social Security or any income. I explained to her that I had been out of work for the last year due to my accident, and taking care of my mother who is XXXX XXXX  and XXXX. 

XXXX proceeded to tell me that Michael & Associates , PC had already filed a lawsuit against me on XX/XX/XXXX. I checked with the court and as of today, XX/XX/XXXX, no lawsuit has been filed. I dont know how to resolve this.
Product: Credit reporting or other personal consumer reports

RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( XXXX ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within XXXX XXXX XXXX. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( XXXX ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX XXXX  XXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by your agency. Your agency has violated my consumer rights and violated federal law. This is now multiple attempts to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of collections I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

DEPTEDXXXX  XXXX {$2200.00} XXXX XXXX {$130.00} XXXX  XXXX {$250.00} XXXX  XXXX {$2000.00} XXXX  XXXX {$63.00} XXXX  XXXX {$180.00} XXXX XXXX XXXX XXXX {$35000.00} BANKRUPTCY CHAPTER XXXXDISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXXDISMISSED XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

Creditor JPMCB AUTO { Chase Bank } ADRESS XXXX XXXX XXXX, XXXX DE XXXX ACCT XXXX XXXXXXXX OPEN DATE XX/XX/2017 I am writing to dispute this account and to request its removal from my credit report. Account listed is not { incorrect/ inaccurate } being reported to all three credit bureaus. I believe that this is in violation of several laws, including the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). This account is reporting to only 2 credit bureaus instead of all 3. Also this account incorrect account status is reporting and high balance is wrong. accounts says open then on there credit reports its not correct. 


Under the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ) I have the right to dispute any information on my credit report that I believe is inaccurate or incomplete. I am requesting that you investigate this matter and remove the repossession from my credit report. Additionally, I request that you ensure that the balance on the account is reported to all three credit bureaus.

Under the FDCPA, I have the right to request that you stop all attempts to collect on this debt until this matter has been resolved. I am requesting that you cease all collection activities until this matter has been investigated and resolved.
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Inaccurate Late Payment - XXXX XXXX To Whom It May Concern, I am writing to formally dispute an inaccurately reported late payment by XXXX XXXX on my credit report. This reporting does not comply with federal guidelines under the Fair Credit Reporting Act ( FCRA ) and related regulations. 
Under 15 U.S.C. 1681a ( 2 ) ( xi ), creditors are obligated to ensure that all information reported to credit agencies is accurate and fair. Additionally, 15 U.S.C. 1666b mandates that billing statements must be sent at least 14 days prior to the payment due date, allowing sufficient time for payment processing.

Further, 12 CFR 1026.13 ( Regulation Z ) outlines billing error resolution procedures requiring prompt investigation and correction of reporting inaccuracies. 
Given the above legal requirements, I am requesting the immediate removal of this negative mark from my credit report. This action is necessary to ensure compliance with federal regulations and to prevent further harm to my credit profile. 
Please confirm in writing once the negative remark has been removed, in accordance with the timelines mandated by federal law. 
Thank you for your immediate attention to this matter. I look forward to a swift resolution. 

Sincerely, XXXX XXXX ( Account Number : XXXX ) ( Last Four Digits of SSN : XXXX ]
Product: Credit reporting or other personal consumer reports

Dear TransUnion I have one question? Why does your company continue to disregard the law when all Im trying to do is get this inaccurate information off of my credit report? You sent me an updated credit report stating the account was verified, but you did not tell me how. I read somewhere on the internet that your company use a computerized system called E-Oscar to process disputes. Is that correct? You dont call the creditors to verify this information? I also read on the internet, that you dont really verify the items ; you just look in your computer and verify that way. That is not what your company is supposed to do. You are supposed to do a true investigation according to the laws put in place to protect me. The account below is damaging. 

THE BUREAUS : Account number : XXXX, Monthly payment amount is not consistent per bureau. Past due needs to be updated, repaired or fixed. 

THE BUREAUS : Account number : XXXX, Monthly payment amount is not consistent per bureau. Past due needs to be updated, repaired or fixed. 

XXXX : Account number : XXXX, Monthly payment amount is not consistent per bureau. Past due needs to be updated, repaired or fixed. 

XXXX | XX/XX/XXXX : Account number : N/A, Monthly payment amount is not consistent per bureau. Past due needs to be updated, repaired or fixed. 

XXXX XXXX : Account number : XXXX, Monthly payment amount is not consistent per bureau. Past due needs to be updated, repaired or fixed. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, Monthly payment amount is not consistent per bureau. Past due needs to be updated, repaired or fixed. 

XXXX | XX/XX/XXXX : Account number : N/A, Monthly payment amount is not consistent per bureau. Past due needs to be updated, repaired or fixed. 

XXXX XXXX XXXX : Account number : XXXX, Monthly payment amount is not consistent per bureau. Past due needs to be updated, repaired or fixed. 

XXXX | XX/XX/XXXXXXXX  : Account number : N/A, Monthly payment amount is not consistent per bureau. Past due needs to be updated, repaired or fixed. 

XXXX : Account number : XXXX, Monthly payment amount is not consistent per bureau. Past due needs to be updated, repaired or fixed. 

XXXX : Account number : XXXX, Monthly payment amount is not consistent per bureau. Past due needs to be updated, repaired or fixed. 

XXXX  : Account number : XXXX, Monthly payment amount is not consistent per bureau. Past due needs to be updated, repaired or fixed. 

When I talked with the furnisher they could not provide me with an explanation on why this account is reporting inaccurate. That is strange because they are the ones who put it on my credit report. Dont worry ; I will hold them accountable for their actions. I dont want to seek legal advice to protect my rights, but I will if this inaccurate information is not deleted. 

Please delete the above account and send me a full updated credit report ASAP Waiting.