23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX XXXX : XXXX XXXX ( Original Creditor : XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2200.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$620.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$200.00} XXXX Collection XXXX XXXX Balance {$580.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance {$1300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance {$110.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance {$930.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance {$670.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance {$330.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance {$0.00} Inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$580.00} XXXX XXXX XXXX XXXX Balance {$2400.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance {$1300.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance {$110.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance {$330.00} XXXX XXXX XXXX XXXX Balance {$930.00} XXXX XXXX XXXX XXXX Balance : {$670.00} XXXX XXXX XXXX Balance {$42.00} Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX I XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax Collection XXXX XXXX Balance {$580.00} XXXX XXXX XXXX XXXX Balance {$2400.00} XXXX XXXX XXXX XXXX Balance {$1300.00} XXXX XXXX XXXX XXXX Balance {$110.00} XXXX XXXX XXXX XXXX Balance {$930.00} XXXX XXXX XXXX XXXX Balance : {$670.00} Inquiries XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is my 19th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute these bankruptcy in my credit file that do not belong to me. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please totally delete these bankrupcies from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XX/XX/XXXX, in which I disputed the following collection account on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( CFPA ) : Creditor/Collection Agency Name XXXX XXXX XXXX XXXX Account Number : XXXX Amount : {$5000.00} Date of Account : XX/XX/XXXX
Product: Mortgage

CASE NUMBER XXXX STATUS??? WILLFULL FAILURE TO POST PAYMENTS AS MADE. PRINCIPAL ONLY, plus monthly interest & principal. 
WHEN DOES OCWEN LOAN SERVICING , LLC have to REPLY??? 
Your letter said XXXX ago? 
Thank you. 
XXXX XXXX
Product: Credit card

Nothing try to contact no one pick up my call. No person with cash app
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Disputed Inquiries from XXXX Credit Report Dear XXXX, I am writing to formally request the removal of several inquiries from my credit report. Below are the confirmation numbers and dispute details : - Confirmation Number : XXXX Disputed on XX/XX/XXXX, Completed on XX/XX/XXXX - Confirmation Number : XXXX Disputed on XX/XX/XXXX, Completed on XX/XX/XXXX - Confirmation Number : XXXX Disputed on XX/XX/XXXX, Completed on XX/XX/XXXX Despite submitting these disputes, I received a letter from XXXX dated XX/XX/XXXX, stating that you do not have my credit report. I find this information incorrect as I previously disputed inquiries. I kindly request that these inquiries be removed immediately, and that an updated credit report be mailed to me as soon as possible. 

The inquiries in question include : - XX/XX/XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, GA XXXX - XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX - XX/XX/XXXX : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX SD XXXX - XX/XX/XXXX : XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NC XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX, XXXX, TN XXXX XXXX XX/XX/XXXX : XXXX Bank, XXXX XXXX XXXX XXXX, XXXX XXXX NC XXXX XXXX XX/XX/XXXX : XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XX/XX/XXXX : XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, DE XXXX Please correct my credit report and update the status of these inquiries accordingly. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX
Product: Debt collection

After my first complaint to your board the snide and demeaning response from this lawyer was unacceptable I am a victim of true name identity theft he threatening me told me to take it up with his firm privately I do not feel comfortable doing that he is a predator and he is unfortunately being allowed to stalk his victims and make victims into criminals he has a judgment against me an unlawful one and he did not serve me properly I would also like to add that Im going to the state bird of California to see about him getting his license revoked
Product: Credit reporting

SEVEN/TEN YEAR RULE UNDER FCRA GUIDELINES - REMOVAL OF TRADE LINESXXXX new decisions - XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ) ___ XXXX ___, XXXX XXXX XXXX ; XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ; and XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( ordered depublished XXXX XXXX, XXXX ) - have changed, clarified, or confused ( depending on your point of view ) the legal landscape in California as to the legal obligations of so-called " furnishers '' who furnish credit-related information concerning consumers to credit reporting agencies. These cases address the obligations of furnishers under federal and state law to supply accurate information, as well as a furnisher 's obligation to " reinvestigate '' a consumer 's dispute. These cases also indicate that, for the time being at least, a heretofore unrecognized private right of action exists under Civil Code 1785.25 ( g ) and 1785.31 for failure to accurately report credit information in violation of 1785.25 ( a ). An understanding of the relevant history is important before one can properly evaluate the current state of the law and the XXXX and XXXX decisions. 
The Original FCRA Legislation Applies To Credit Reporting Agencies OnlyThe Fair Credit Reporting Act ( FCRA ), found at 15 U.S.C. 1681, et seq., was originally enacted in XXXX. The express purpose of the FCRA was to require that consumer reporting agencies adopt and implement " reasonable procedures '' for ensuring that credit information about a consumer was collected, maintained, and dispensed " in a manner which is fair and equitable to the consumer with regard to the confidentiality, accuracy, relevancy and proper utilization of such information ... '' FCRA, 15 U.S.C. 1681 ( b ) ; XXXX ( XXXX ) XXXX XXXX XXXX, XXXX, XXXX. The Congressional findings noted that " [ t ] here is a need to insure that consumer reporting agencies exercise their grave responsibilities with of fairness, impartiality, and respect for the consumer 's right to privacy. '' FCRA, 15 U.S.C. 1681 ( a ) ( 4 ). However, the credit bureaus do not follow through with any methodology a system that automatically removes an antiquated credit trade line, which leave creditors in control to remove a negative trade line at a later date by simply re-aging the trade line payment history. 
Notice that a positive trade line can be maintained for a ten year timeline from the credit procurement after the account has been closed out. The ten year timeline carries from the date the credit trade line was first reported to a credit reporting agency, or from the date of procurement of the debt. 
I demand the above referenced credit trade line removal based upon the passing of the seven/ten year timeline. And I maintain that there is no further relevancy to the debt being posted under FCRA guidelines. The above-referenced state cases show that the accuracy of credit reporting carries into state court cases as well, whereas a creditor can be brought up on serious civil charges outside of federally protected jurisdictions under FCRA.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX ; XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXX/XX/XXXXXXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ;XX/XX/XXXX XX/XX/XXXX
Product: Mortgage

I submitted loan modification documents to Wells Fargo 's attorney on XX/XX/2019. Wells Fargo 's attorney 's, XXXX XXXX has continued foreclosure proceedings on XX/XX/2019. The foreclosure trial is scheduled for XX/XX/2019. The mediator coordinator, company address and phone number is : XXXX XXXX | Mediations/Loss Mitigation/Client Legal Analyst XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX XXXX : XXXX | O : ( XXXX ) XXXX ext. XXXX | F : ( XXXX ) XXXX
Product: Debt collection

This collection company recently placed an account on my credit report. I have no knowledge of this account and why it is reporting on my credit. I was not given a disclosure verification of debt and I do not have any knowledge of this debt they are reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8400.00}, {$31000.00}, {$13000.00}, {$7300.00}, {$28000.00}, {$180.00}, {$170.00}, {$700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8400.00} -This is not my account. 


-- CLOSED ACCOUNTS 2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$31000.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7300.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$28000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 6. XXXX, XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$180.00} -This is not my account. 

7. XXXX, XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$170.00} -This is not my account. 

8. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$700.00} -This is not my account.
Product: Debt collection

XX/XX/2012 {$660.00} I was alerted by my credit report that this company reported to all 3 credit bureau that I owe a debt to them and I have never heard of this company. I have never done business with Midwest recovery systems. I do not have a contract with this company. this company added a collection account to my credit report with all 3 credit bureaus without my knowledge. this company has never notified me of this collection account prior to of after it was placed on my credit report. I have no knowledge of this company or the original creditor. I do not owe either company.It is against federal law to place on your credit report without validation of account or notify me of said account
Product: Mortgage

Hello my name is XXXX XXXX, due to a hardship, I couldnt work and fell behind on my mortgage. I started a modification with XXXX XXXX XXXX, and submitted all my paperwork, however Caliber Home Loans bought the loan. XXXX assured me that the modification would be transferred to Caliber Homes, and I would not have to submit ADDITIONAL/NEW paper work for the modification to Caliber Homes Loans. Unfortunately, I was mislead, because Caliber Homes Loans did not have any of my modification paperwork. I recently attempted to submit my modification paperwork to Caliber Homes Loans, but they wont accept it, because there is now a foreclosure sale date on XXXX XXXX, 2015. This is very unfair, because I was promised by XXXX that my paperwork was submitted to Caliber Homes Loans, but again it wasnt, and when I tried to submit it modfication paperwork, but they wo n't accept it, which means I will be homeless. I am single mother, and now have income for a modification loan, so I am beggin and pleading for the chance for a modification, so I wont be homeless.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America has reported on my credit report for  XXXX  that I had  XXXX  payment s 30 or more days past due this information was and is incorrect i have sent numerous   letters and responses to them asking for information regarding this reporting the bank continues to send me responces stating that my credit report is accurat but no documentation supporting the reporting of negative payments i have sent the bank of america numerous document showing past mistake of my payment that were misapplied b y thier associates yet they still will not correct my credit report the bank of america has the wrong infor mation on my payment, balance last payments amount made & ect i  have recently sent them a letter  ( This is the exact letter ) a nd other information im having problems with the problem im having Date BLANK BLANK BLANK Complaint Dispute on credit report reporting Bank Of America  Address    XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX  FL Zip Code  XXXX  Regarding Account Number ( Blan k ) &  Account Number ( Blank ) I ( blank ) on this  XXXX  Day of  XXXX   XXXX  do hereby request a complete copy of my payment history from  XXXX   XXXX   XXXX  to  XXXX   XXXX   XXXX  this request is to include dates of all payments that was made on these accounts dates of all payments that were past due on these accounts and dates payments was paid to these accoun t s after d ue date. I ( Blan k ) am also requesting all letters and correspondence advising me / making me aware of my past due payments I also request all payments showing my account were paid 30 or more days late I ( Blank ) also request all payment dates and how payment was made (   XXXX   XXXX   XXXX   XXXX   ect. ) Pleas e Mail this information ASAP
Product: Credit reporting or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
XXXX XXXX : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
XXXX XXXX : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
XXXX XXXX  : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
XXXX XXXX : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
XXXX XXXX : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
XXXX XXXX : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Product: Debt collection

My name is XXXX XXXX. During the year XX/XX/XXXX, an account was opened with TCF bank in Florida reported with my social security number under the name XXXX XXXX from address XXXX XXXX XXXX XXXX, XXXX, FL XXXX. The account eventually became overdrawn and was subsequently sent to a collection agency XXXX XXXX. In XX/XX/XXXX, I, XXXX XXXX, opened an account with TCF bank in XXXX Wisconsin from XXXX XXXX XXXX XXXX, XXXX, WI XXXX. The negative account balance from the previously opened account was transferred to my new account and subsequently went into collections. In XX/XX/XXXX, a payment was made by my bankruptcy trustee to TCF bank   for the account opened in Florida which was previously being reported. That payment closed the account, however because the balance was transferred, it appeared as two separate accounts to the collection agency. In essence, the collection bureau, XXXX is double reporting the TCF accounts, adversely affecting my quality of life. When I called to get the information, the representative refused to listen and insisted that because it has a separate account number, it must be a different account. Nonetheless, I dont have a debt with TCF and currently have an open account with them. TCF has updated their accounting, however, XXXX refuses to comply with the FDCPA and consumer protection laws and have not verified the debts they are reporting. This account is paid in full, and it was not even mine in the first place.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Citibank for Inaccurate Credit Reporting and Tax Compliance Violation Description of the Problem : I am filing this complaint against Citibank for inaccurate reporting of a charged-off account on my credit report and their failure to issue a required XXXX ( Cancellation of Debt ), which raises concerns about noncompliance with both credit reporting and tax laws. 

The account ( Account XXXX : XXXX ) was charged off in XX/XX/XXXX, with a balance of {$7800.00} written off. However, Citibank continues to report the account inaccurately as past due with an increased balance of {$8200.00} as of XX/XX/XXXX. This practice is misleading and violates the Fair Credit Reporting Act ( FCRA ). 

Additionally, despite reporting the account as charged off, Citibank has failed to issue a XXXX, which is legally required when a debt of {$600.00} or more is canceled or forgiven. This omission creates confusion and raises potential tax compliance issues under IRS regulations. 

The following issues need to be addressed : Inaccurate Credit Reporting : Reporting the account as " charged off '' and " past due '' simultaneously is misleading and damages my credit profile. 
The payment history also incorrectly suggests ongoing delinquencies in XXXX and XXXX, even though the account was charged off in XXXX. 
Failure to Issue a XXXX : Citibank has not issued a XXXX for this charged-off account, despite reporting it as a loss. If the debt has been forgiven or canceled, failure to provide this tax document is a violation of IRS regulations. 
Unexplained Increase in XXXX : The balance has increased from {$7800.00} at the time of the charge-off to {$8200.00}, and Citibank has not provided any explanation or documentation justifying this increase. 
These practices are causing undue harm to my financial standing, preventing me from accessing credit opportunities, and potentially exposing me to tax complications. 

Resolution Sought : I request the following actions from Citibank : Remove this account from my credit report entirely due to the lack of compliance with FCRA and IRS regulations. 
Provide a detailed breakdown of the account balance, including an explanation for the increase in reported balance. 
If the debt has been forgiven, issue a XXXX as required by law. 
Provide confirmation of all corrections made to the account reporting. 
Failure to address these issues promptly will leave me no choice but to pursue further legal remedies and file complaints with additional regulatory agencies, including the IRS. 

Relevant Dates and Information : Account Opened : XX/XX/XXXX Account Charged Off : XX/XX/XXXX Balance Reported : {$8200.00} ( as of XX/XX/XXXX )
Product: Credit reporting or other personal consumer reports

Applied for a loan online and statement was i needed to call. 
XXXX says that reasonable accommodation are needed. 
There is nothing I need to say to the bank, I am a XXXX XXXX, I also worked in their XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

If the bank needs to talk to someone it would need to implement technical controls to accommodate the consumer not the consumer to waste time and XXXX veteran to speak with a bank for a loan. 
All information for a loan is on tax documents, bank statements etc. 
If a digital experience forces a person to call it is no longer a digital experience. 
This bank unlike others have an exceptional automation team XXXX and XXXX their is no need for any customer to ever call. 
In fact that leads to possibilities for discrimination. 
The bank employees do not need to see or know the XXXX, name or identifying characteristics of a person to decide on giving a loan. 
A loan is based on numbers alone so it is said... not in my experience.

It is only the occ, internal audit and other regulators that need the person Information to ensure compliance with the law. 

Former bofa employee high risk audit team under XXXX XXXX I discovered multiple severity XXXX and XXXX findings. 
While I am not physically able to work this statement is based on the same work i did while employed. 
I have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have a great understanding of the laws associated with home lending XXXX, FAIR HOUSING, FAIR CREDIT just to name a few