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

To Whom It May Concern : 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. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Mortgage

OCWEN recently merged with PHH Mortgage. 
On XXXX XX/XX/2019, I received PHHs Escrow Account analysis indicating a shortage in that account. 
On XXXX XX/XX/2019, I paid the shortage in the amount of {$780.00}. That check has cleared, I have proof of that from my bank statement. 
Sent several messages to PHH through their internal website messaging system inquiring why my monthly payment was increasing after I pointed out that their analysis of my escrow account was inaccurate and after I paid the full escrow account shortage. 
I received 2 confirmations that my messages were received by PHH, yet I received no response to my inquiry. 
I called PHH on XXXX XX/XX/2019 asking why they hadnt responded to my messages and was told they never received anything internally, yet their website provided confirmation numbers of my messages. During this conversation, their representative explained that I needed to fax any documentation that I had supporting my claim to their tax department. 
On XXXX XX/XX/2019, I faxed PHH my documentation, which consisted of my County estimate of property taxes and my County approval of a 25 % reduction of property taxes for elderly and disable persons to their tax department. 
My Countys property tax amount was lower than PHHs estimate and neither PHHs or my Countys amount calculated the 25 % reduction into the final figure. 
My paperwork clearly indicated that PHH is overcharging me by {$38.00} monthly for my mortgage payment beginning on XXXX XX/XX/2019. PHH has both of these documents and hasnt responded to a legitimate customer inquiry To date, I have NOT received a reply from PHH.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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
Product: Credit reporting or other personal consumer reports

Experian, is reporting is reproting a Bankruptcy on my credit report and they have put in the Data furnisher as being the XXXX BANKRUPTCY XXXX XXXX XXXX OF GEORGIA. Which is false. 
I have attached a letter from the XXXX BANKRUPTCY XXXX XXXX XXXX OF GEORGIA. Verifying and stating that they do not furnish information over to the credit bureaus or any credit monitoring service nor do they verify or validate any information concerning bankruptcies. 
Experian is falsely stating this information on my credit report and have yet to remove it from my credit report.

I contacted the court, and their response is enclosed.

It is clear they do not report to any Credit Bureau for that matter ; therefore, their initial response verifying the item with the court was either an error or a lie.

Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ), and the information must be deleted immediate I contacted the court, and their response is enclosed.

I would like for you to have them take this unvalidateable information off of my credit report. 

The credit bureaus violated my given rghts under 15 U.S. Code 1681.

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

1681s2. Responsibilities of furnishers of information to consumer reporting agencies A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. 

Displaying information must be deleted immediately.
Product: Money transfer, virtual currency, or money service

I suppose to receive my XXXX settlement check an other settlement due to data breach settlement from XXXX an XXXX due me being reported deceased illegally an my personal information was exposed incorrect never received anything from nobody lost savings bonds account never tried to notify me credit company had my name incorrect someone using my account or using my personal information to uptain credit loans I requested a full disclosure never received it like the credit bureau toke some stuff off the report I requested everything in my name or use in my name from XXXX trough XXXX
Product: Debt collection

I was in the process of selling my home and discovered that PORTFOLLIO RECOVERY SERVICE has placed a lien on my home for a debt that I do not owe, I called ( XXXX ext ( XXXX ) I spoke with Ms. XXXX, she advise me that the information she has on file was discharged under my bankruptcy in 2013 and she did not see anything else with my name on it for the amount of this Lien. I asked how can this company just file inaccurate information and cause tremendous harm, and damage to a persons life without being sure of the debt. she stated that they do make mistakes from time to time. I have requested along with my title company that PORTFOLLIO RECOVERY SERIVICE remove this negative information or for them to please send the proper paper work to show that this is NOT my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these accounts that does not belong to me and want them to be removed from my credit report asap. 

XXXX  XXXX. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

XXXX. Identity Theft XXXX  Account XXXX : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

XXXX. Identity Theft XXXX  Account XXXX : XXXX This is not mine. 

XXXX. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

XXXX. Identity Theft LVNV FUNDING LLC Account Number : XXXX This is not mine. 

XXXX  XXXX. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

XXXX. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

XXXX. Identity Theft XXXX  XXXX Account XXXX : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

XXXX. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft LVNV FUNDING LLC Account Number : XXXX This is not mine. 

XXXX  XXXX. Identity Theft Chapter XXXX Bankruptcy XXXX XXXX : XXXX This is not mine. 

XXXX. Identity Theft XXXX  Account XXXX : XXXX This is not mine. 

XXXX. Identity Theft XXXX  XXXX Account XXXX : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

Open new checking account at XXXX  XXXX XXXX scheduled appointment XX/XX/XXXX. 45 minutes dealing with XXXX and branch manager XXXX male blue suit. Then because they wont tell you option online or on phone I get an account that I will have to change, I thawed my credit for verification to open and account with XXXX and equivalent but transunion had issues and still unresolved! Error code 301, mixed file? Still no resolution but reported to XXXX. Today XX/XX/XXXX, I get letter attached from XXXX XXXX XXXX stating unable to open an account with credit score indicated. Reasons : status of relationship with inquiring bank as compared to age of the established relationship with any bank, AND NUMBER OF INQUIRIES DURING LAST 30 days. 

I have an account with routing and checking, have all copies of signed documents they hassled me over providing, and deposit slip deposited into said account. Still no debit card, waiting on XXXX to deliver white envelope no tracking 3-4 more business days? The account wont allow checks and is not what I wanted it asked for. Letter states contact XXXX XXXX XXXX? No contact info? I want this resolved in timely manner as this information is incorrect. I have had a bank account continuously for years and previously a mortgage paid off in 2016 with XXXX  XXXX XXXX. Never late! I own my home and car and only get XXXX, live alone and XXXX XXXX! I expect a prompt response and resolution including a follow up letter and removal of negative reporting to all agencies immediately! Will provide an account and routing once acknowledged with XXXX  XXXX XXXX on new account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in deferment since XX/XX/XXXX. XXXX is reporting on two of my accounts that I am 90 and 120 days late ( XX/XX/XXXX and XX/XX/XXXX on each ). I was in deferment firstly. Second, they report in every month prior to XX/XX/XXXX that I am on time. So then, how can I be 90 days late in XXXX seeing that I was on time just 30 days prior.This is an injustice. This complaint extends to the two reports I have with XXXX as well. In XX/XX/XXXX ( on deferment mind you ), they report me on time and then 90-120 days late XX/XX/XXXX through XX/XX/XXXX while I was on deferment. They do the same thing in XX/XX/XXXX through XX/XX/XXXX and once again in XX/XX/XXXX. This is exactly the same for both reports. 
Now, doesn't law state that anything on my report that is untimely, inaccurate, or unverifiable MUST be removed? Everyone knows that there are no months with 90 days in them. So, since there are no months with 90 days in them, reporting me late 90 days ( not once, but a combined 5 times ) would be inaccurate! And what was it the FCRA stated about inaccurate information? That's right! It must be removed. How is it that Experian, XXXX, and XXXX all ignored my dispute and continued to report inaccurate information? I know my rights and the law. For three companies who operate daily under this law to continue reporting this inaccurate information in a huge violation of my rights and the law.
Product: Checking or savings account

On XXXX, I received a {$1000.00} deposit through XXXX from an unknown person. This person called me saying it was an accident and if I could return the money. I sent {$1000.00} on the same day to the same phone number. 

On XXXX, the original deposit was reversed without my consent or without informing me. I contacted Capital One multiple times and they refused to reverse the transfer or cancel the scammers reversal. 

There was no indication at any point that the original deposit was unsecure or at risk of being reversed. 

I believe Capital One and XXXX are at fault for allowing the transfer of unsecured money in the first place and for not protecting their customers from flaws in their system that scammers can exploit.
Product: Checking or savings account

On XX/XX/23 XXXX, I received an e-mail from Bank of America that my 'Online application is in progress, ' for XXXX Banking Account XXXX which I never applied for. One minute later ( XXXX ), I received two additional e-mails, one telling me that my application was approved, and one welcoming me to online and mobile banking services. Calls to Bank of America were no help, with no way to contact their fraud department directly.
Product: Credit reporting or other personal consumer reports

I requested a copy of my APLUS Verisk report and upon receipt I noticed a claim and policy listed that I had no knowledge of. On XX/XX/XXXX I sent a letter which they received asking for the inaccurate information to be investigated and validated. I also asked for the method of verification and to send any documents used to verify that information. They failed to do so. On XX/XX/XXXX I sent in another letter once again asking for validation and proof that information was in fact accurate and had any association with me and they once again failed to do so, but continue to report this false item on my report. PLEASE SEE ATTACHED DOCUMENTS
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Over the last 24 months I have been trying to be a responsible consumer and correct the inaccurate and inconsistence reported by the three Credit Reporting Bureaus. I have already requested verifications multiple times and for the most part the incorrect and or inconsistent reporting has been corrected, removed and lastly stated by the Bureaus that they did and investigation and that the remaining items where verified, yet there remain extreme amounts of inconsistent and inaccurate reporting.

I am enclosing a screenshot of my most recent credit report highlighting the inaccurate inconsistence still remaining after the Bureaus claim to have verified that the item has been 100 % accurate and investigated timely. The Fair Credit Reporting Act requires that the Bureaus complete their reinvestigation of my request within 30 days. It has now been more than 30 days. 
I will assume that I have not received any reply because the Bureaus have been unable to verify this information. 

I would like the item removed immediately. By law the Bureaus are required to removing any inconsistent and persistent error and inaccurate information after a 30 day investigation has been completed. So, I request that they remove this incorrect information at once and send me an updated copy of my credit history report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Product: Credit card

On XXXX XXXX I received mail from The XXXX XXXX XXXX XXXX XXXX to pay my bill at XXXX for {$1400.00}. I can not pay the bill due to financial hardship and limited income. The Pandemic caused a setback and I attended school and i have the responsibility to pay tuition.
Product: Credit card or prepaid card

This complaint is connected to complaints number XXXX and XXXX. Bank of America refuses to remove a fraudulent charge on my credit card by XXXX XXXX. I never authorized the charge and it was for the next full year of service that I refused to accept. I have sent documentation to Bank of America that clearly shows that I refused the {$490.00} charge on my card for future services. XXXX XXXX sent Bank of America old documentation claiming that the charge was accurate. I am claiming fraud by XXXX XXXX as they billed my credit card without authorization from me for a full year of future service which I clearly did not authorize and in fact refused. 
XXXX XXXX claims that they were listed as my authorized agent on the State of Maryland website which is not true as I filed to have them removed. I have written to the State of Maryland to verify that XXXX XXXX was not listed as my authorized Agent and had been in fact been removed ( see attached documentation ). The State of Maryland has sent me documentation that clearly shows XXXX XXXX is no longer listed as my registered agent and is simply lying. They were removed effective XX/XX/2018. XXXX XXXX continues on with the fraud and Bank of America lets it continue.
Product: Debt collection

Please be advised that I.C. System, Inc. has violated the Fair Credit Reporting Act ( FCRA ) by reporting this fraudulent debt and amount to the credit bureaus. If this collection is n't removed immediately from all credit bureaus, I will be moving forward with a formal lawsuit against the company. I 've been in contact with an attorney and have all supporting documentation outlining their failure to adhere to consumer protection laws. If the company does n't remove this immediately and I am forced to proceed with a lawsuit, I 'll also explore the possibility of a class action lawsuit to help the countless other victims that have been damaged by I.C. System 's unlawful practices. Thank you.
Product: Payday loan, title loan, personal loan, or advance loan

XXXX setup a payment with XXXX at RSVP Loans to payoff my balance in full of {$640.00} on XX/XX/XXXX. Through email correspondence XXXX confirmed that my loan would be paid off in full on that date. That never happened. I've emailed XXXX numerous times since then with no response. Yesterday XX/XX/XXXX a loan payment was deducted from my account in the amount of {$280.00}. This is unacceptable and I feel like unethical if I'm still going to have to pay whatever the remaining balance is. Had there been an option online for me to pay off my loan in full, I would have done so, but there is no option to do that.
Product: Debt collection

a debt went on my credit report that is not mine. someone used my real name, a wrong address and a wrong medical card number and this bill went on my report. i am enclosing copies of my medical card my license with my correct address and their bill showing my Wrong address ( never heard of ) and a medical card number on bill that is not my number, someone used my name and all the other information is not mine. i have medical insurance and have for several years, this was some emergency visit and i have n't been to the hospital in years. i also have insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax failed to comply with 15 USC 1681s-2 ( b ). Equifax is civilly liable under 15 USC 1681 ( n ) ( i ) On XX/XX/XXXX a dispute letter was sent due to inaccurate information being reported and a reinvestigation of the claimed verified information from the furnisher. 

Equifax failed to conduct a reasonable procedure by their own industry standard of Metro 2. XXXX failed the Metro 2 standard requirement to report the full DOFD a ECOA requirement code -37 which is a violation of code. ECOA requires the date of first delinquency to report the month/date/year, not just the month and year as being reported. 

Equifax failed to report the account type as credit card code 18. The account type being reported as charge off/collection which is not an account type. Equifax failed to report consecutive 24 months of payment history. Failing to report XX/XX/XXXX presents willful noncompliance. 
In conclusion, Equifax has failed to conduct a reasonable investigation as required per 15 USC 1681s-2 ( b ) Due to your inaccurate reporting and failure to comply with 15 USC 1681s-2 ( b ), I received damages and harm due with a recent denial for a home loan. Because I was not able to secure a home loan, my family and I moved to temporary housing until I was able to secure permanent housing. My family and I also suffered a loss of days at work and school, moving expenses and losses of utility transfer fees and deposits. 

Therefore under 15 USC 1681n Equifax is liable for actual damages, {$1000.00} violation and punitive damages.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau Subject : Complaint against XXXX for Violations of FDCPA and FCRA. 


Dear CFPB Employee, I am writing to file a formal complaint against XXXX for their repeated refusal to respond to my disputes, thereby violating the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Under these laws, XXXX is obligated to respond to my disputes and delete the disputed account if they fail to respond within 30 days. 

Details of the Complaint : 1.The FDCPA Violation : Despite my multiple attempts to communicate with XXXX regarding a disputed alleged debt, I have received no response whatsoever. This complete disregard for the FDCPA 's requirement to address consumer disputes in a timely manner is unacceptable. 
XXXX. The FCRA Violation : According to the FCRA, any entity that fails to respond to a dispute within 30 days must delete the disputed item from the consumer report. However, XXXX refusal to acknowledge my disputes and their failure to act within the legally mandated time frame goes against this crucial consumer protection legislation. 

I have made several attempts to resolve this matter directly with XXXX, but their lack of response has left me with no alternative but to escalate my complaint to you.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX and XXXX XXXX new information was sent to each credit company of loan balances being consolidated. XXXX Equifax my score dropped on XXXX. There is no change in balances and loans should show as one combined balance. Student loan is current.
Product: Credit reporting or other personal consumer reports

I am unable to remove my security freeze, because Experian will not allow me to. Both the app and webpage state that my status is not found, but my information is available on every other part of app, such as, credit rating and login in credentials. Also, I was directed to this website https : //usa.experian.com/member/security-freeze On this website the most obvious choice was to register for a paid membership, with a payment form prominently displayed. It was all the way on the bottom of the page that I finally found the link to access my legal right to control my credit freeze, and when I clicked on it, I got the message about my status not found.