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

I've called and spoke to XXXX and Equifax and personally faxed and mailed to XXXX all bureaus stated it would be removed. 


In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated 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.
Product: Credit reporting or other personal consumer reports

I am writing once more to express my bewilderment regarding your credit bureau 's handling of the investigation into the fraudulent accounts on my credit report. As you are aware, I have submitted the necessary documentation to the Federal Trade Commission ( FTC ) regarding these fraudulent accounts. Following this submission, XXXX and XXXX promptly removed these accounts from their records.I have also contacted the companies associated with these accounts directly, and they have confirmed the removal of the accounts from their records. Thus, I am perplexed as to why these accounts continue to be reported by your bureau. It is crucial to recognize that as a credit bureau, you are legally obligated to ensure the accuracy and timeliness of your records. Failing to remove these fraudulent accounts not only breaches this duty but also subjects me to further harm. 

XXXX 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

I attempted to open an account with chase and was denied. I never got an explanation and I would like to resolve this issue.
Product: Debt collection

I have been harassed by this company and their subsidiaries for a disputed debt, which I have provided written communication to asking for proof of their right to collect, where the debt came from and when. I have asked and written numerous times to stop calling me threatening jail time, calling my workplace after being asked numerous times to stop ( I didn't even work at during the alleged time the debt occurred ), and now marking my credit report without any phone calls, emails, mail... nothing stating who they are or what debt they're trying to collect. More than one of their fake " process servers '' told me I can't find out until I pay it. They have used every illegal debt collection practice possible in order to bully and harass me, up to and including telling my co-worker I have a warrant and people are coming to my work to pick me up. They are also pretending to be " XXXX and XXXX '' an attorney ( they are not ) in order to pressure me and now I found out this company is the same one as XXXX XXXX XXXX. And today, yet another call to my workplace.
Product: Credit reporting or other personal consumer reports

I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me XXXX. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax stated that they verified the items on my consumer report. Which that information is inaccurate. These accounts are not verifiable, not validated and are inaccurate. If everything is not reporting 100 percent accurately then it must be removed. I need The CFPB to step In and find out what is going on. Also please refer to exhibit A. Per my consumer report with equifax they also claimed to have verified a bankruptcy on my consumer report via the us Bankruptcy court XXXX XXXX XXXX XXXX XXXX per exhibit A which is a letter directly from The courts proving that equifax reported a false and inaccurate item. Per the bankruptcy court clerks office does not report any bankruptcy information to any credit bureau. Well That is proof of fraud and against the law.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX XXXX Balance Owed : {$2900.00}
Product: Credit reporting or other personal consumer reports

These collections were illegally obtained in my name and nonetheless inaccurate and illegal. I have already disputed these items. Please remove these collections and inquiries listed below as soon as possible. 

XXXX XXXX {$3300.00} XX/XX/XXXX XXXX XXXX {$2800.00} XX/XX/XXXX XXXX XXXX XXXX {$690.00} XX/XX/XXXX XXXX XXXX XXXX {$590.00} XX/XX/XXXX XXXX XXXX {$4900.00} XX/XX/XXXX XXXX XXXX {$840.00} XX/XX/XXXX 2022
Product: Credit reporting or other personal consumer reports

I reported identity theft to XXXX connect, equifax and police. I provided police report in an additional dispute to equifax. I requested equifax to remove. Equifax declined. XXXX. It appears equifax refers to original decision XX/XX/XXXX and did not do a thorough review. Equifax response refers to equifax.com/personal/disputes as a way to follow up or dispute their decision - this reference page is same process I already followed twice. Shameful incompetence by equifax. XXXX connect inquiry is requested to be removed.
Product: Mortgage

Thank you for your help. 

Arvest Mortgage Company at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, AR XXXX, did an ESCROW audit in XXXX and I paid what they told me was short {$4400.00} the end of XXXX, then I got a notice that they did a second Audit and I needed to pay {$4000.00} after I had already paid the {$4400.00}, they said if the extra {$400.00} was not needed I would get it back next year. 

I was told my new payment amount would be {$1400.00} and I paid XXXX payment the end of XXXX in that amount, and I thought everything was fine, then I paid XXXX payment on XX/XX/2023 it cleared my bank on XX/XX/2023, then this weekend XX/XX/2023 I got a notice that the payment of {$1400.00} is " Suspense '', and I owe the payment of {$1800.00} ( which was the amount before I made the Escrow payment. ) for XXXX and a late fee along with XXXX payment of {$1800.00}. 

I have had many phone calls with this bank and was told it was fixed two times now and then I get the notice of a late payment and the payment still not corrected.

With 2 different Escrow Audit done and both with different amounts I know what is right in reference to the ESCROW and I can't get my payment correct after paying the shortage.

This Bank has been a nightmare to deal with, for a long time when mistakes happen, they said it was because a system change.

Thank you.
Product: Credit reporting or other personal consumer reports

1. Statutory Damages ( Section 1681n ) If the credit reporting agency willfully fails to comply with the FCRA 's requirements, such as failing to investigate a dispute or maintaining inaccurate information, the consumer can be awarded statutory damages.

Willful non-compliance : The consumer can receive {$100.00} to {$1000.00} per violation, regardless of whether they can prove actual harm or financial loss. If the violation is deemed willful ( i.e., the agency knowingly or recklessly disregarded the law ), damages can be higher. 
Subject : CFPB Complaint Regarding Fraudulent Hard Inquiries and Violation of Consumer Rights Dear Sir/Madam, I am filing a formal complaint against the credit agencies regarding 19 fraudulent hard inquiries that have been wrongfully reported on my credit file. These inquiries were not authorized by me and are clear violations of my rights under the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. 

I have submitted a report to the Federal Trade Commission ( FTC ) confirming that these inquiries were fraudulent, and this report serves as conclusive evidence of the unauthorized nature of these actions. The credit agencies have failed to comply with Metro 2 standards and their responsibility to report accurate information. By failing to remove these fraudulent inquiries, they are in direct violation of the law and my consumer rights.

The credit agencies have 4 business days to remove these unauthorized hard inquiries from my credit report. If they fail to do so within this time frame, I will consider their actions a willful disregard of the law and will pursue further legal remedies. I trust that you will make it clear to the agencies that their actions are unacceptable and that they must take immediate corrective action. 

I expect the credit agencies to act swiftly to remove these fraudulent items. They must justify any refusal to do so with verifiable evidence, including case law or factual data that supports their position. Their failure to meet legal obligations will not be tolerated, and I will continue to pursue every available option to protect my rights as a consumer. 

Thank you for your prompt attention to this matter. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Hello! 

I have recently been made aware that someone stole my identity due to owing a balance on my XXXX taxes that I originally did not owe when I filed. The person allegedly made {$18000.00} in Sales via the XXXX app, and used my name. They spelled the name incorrectly, and I just want to make sure I am covering all my bases. I have contacted all the credit bureaus and have filed/alerted identity theft as many places as I can. I filed the alerts today on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 an account without my written instructions Inquires 1. XXXX XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

XXXX XXXX XXXX and refused to return my w2. 
Fifth third bank is running a remortgage scam Tells of approval to recive non refundable deposit Has no intention to remortgage Just ask for the same information many times and wait over 6 months to find a new problem or you become frustrated and quit trying
Product: Credit reporting or other personal consumer reports

They have refused to remove inaccurate personal information from my credit report. I sent letters to the credit bureaus via XXXX XXXXXXXX XXXX with the following details : XXXX : Tracking number XXXX, delivered on XX/XX/XXXX at XXXX PM in XXXX, XXXX. The letter concerned a XXXX address that I have never lived at or been to before. This is not my current or previous address. 

XXXX : Tracking number XXXX, delivered on XX/XX/XXXX at XXXX PM in XXXX, XXXX The letter addressed a XXXX address ( which I have never lived at or been to before ) and a XXXX address, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, which is not my current or previous address. 

Experian : Tracking number XXXX, delivered on XX/XX/XXXX at XXXX PM in XXXX, XXXX The letter concerned an Iowa address that I have never lived at or been to before. This is not my current or previous address.
Product: Credit reporting

Credit bureau is in direct violation of FDCPA and FCRA, concerning my credit report.
Product: Mortgage

We applied for a cash-out mortgage refinance through Rocket Mortgage in order to pay off some credit card debt back in XXXX of 2018. Our loan officer chose to put us in an FHA loan even though we had more than enough equity in the home and both my wife and I have excellent credit.

Before closing on the loan, there was only a mention of MIP or 'upfront mortgage insurance premium ' as a line item in our closing costs. There was absolutely no mention of that money ( {$5600.00} ) being non-refundable, as we came to find out a year later when we recently refinanced in order to move to a conventional mortgage.

Our new loan officer assured us that at least a portion of that {$5600.00} would be refunded after the new loan funds and the old FHA mortgage is paid off. He stated we can use our FHA case number to apply to have a portion of our MIP refunded totaling around {$3900.00}. This became a deciding factor to move out of the FHA loan and into a conventional mortgage.

However, when I called FHA HUD they gave me a different story, stating the money we paid last year is now gone, and we are not owed a refund. How is that possible?? We basically paid almost $ 6k for the pleasure of having an FHA mortgage for less than a year. Had we been made aware of this ( non-refundable ) payment back in 2018 we NEVER would have agreed to the FHA loan, and it was the responsibility of Rocket Mortgage to make that fully clear. This is a lot of money that we are out, for no reason at all.
Product: Credit reporting or other personal consumer reports

I have opened several disputes regarding incorrect reporting for XXXX years for XXXX and XXXX Account # ending XXXX, that was closed by the merchant in XX/XX/XXXX, due to the store closing. The account was never late since it was opened in XXXX. In XXXX I called the merchant to request a settlement for the balance since the account was already closed, and I was approved and made the agreed payments on time. The final payment was made in XX/XX/XXXX, as agreed. It appears XXXX XXXX has been reporting the account as a charge-off due to delinquent payments even after I have provided all pertinent documents to prove the on-time payments, including receipt of payments for XX/XX/XXXX thru XX/XX/XXXX on bank statements, company statements, and also the many letters I have received from XXXX XXXX with conflicting account states of both never late and past due which I have included again in this complaint as well of my current credit reports from XXXX reporting excellent payment history but still reporting late payments, and TransUnion reporting the account with XXXX information and delinquent. When I spoke to a XXXX XXXX XXXX at XXXX XXXX regarding Case # XXXX @ XXXX XXXX XXXX, I was advised XXXX # XXXX was sent to all three credit bureaus reporting no late payments. Settled prior to charge-off with XXXX rating, however I received a letter dated XX/XX/XXXX, showing when I agreed to the settlement the account was past due, which was incorrect. This error has continued to affect my credit worthiness, and I have not been able to secure a loan causing a hardship. I would like the issue to be re-investigated and be forwarded information from the investigation ex. dates of late payments that proves the delinquency and resolution. I would also appreciate the reporting be corrected once and for all. Please refer to CFPB complaints XXXX, XXXX, XXXX from XX/XX/XXXX. Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of all accounts listed below as I am a victim of a data breach. Under 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am entitled to take these actions to protect my credit and personal information. Please find the particulars of the accounts I wish to be blocked and deleted : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Bank Fraud I believe I was defrauded in my dealing with a financial establishment what was at that time known as XXXX and located in XXXX, Alabama. XXXX XXXX has sense been acquired by a different financial organization, Trust Mark of Mississippi. 
In dealing with Bank XXXX, I borrowed so called " money '' and gave a promissory note with a house and land as a surety. 

I have sense found out Bank XXXX did not loan me any money. The money they said they loaned me was created by my signature on the note. Their fraudulent bookkeeping made it appear as if they loaned me money. 

Unknown to me at that time, my note was treated as if it was a cashier 's check and deposited in their " transaction account ''. The so called money was then taken out of this account and placed into my loan account. This created the fraud. They said they were loaning me money when it was my money, that I created with my signature! So, the bank " loaned '' me nothing. The bank risked nothing! 

I returned more than the money they gave me. They returned my note. They did not return the money they made on my note while it was in their possession. My note was a negotiable instrument and through fraudulent dealing with me they kept the money made on my note. 

I want complete disclosure of their dealing with me and return of ALL the money they made off my note.
Product: Credit reporting or other personal consumer reports

An account from XXXXXXXX XXXX XXXXXXXX XXXX was deleted from all credit agency reports after this account was charged off in XX/XX/XXXX as it was also Written off with the balance of {$9100.00} After this account was deleted from my credit reports, a collect company appeared on my credit report for this charged-off debt from XXXX XXXX  . 

When I contacted the collection company, I was told the account was sold to : ACT Collections : This collection company never sent me a notice that they had this account in their office. 

I called XXXXXXXX XXXX XXXXXXXX XXXX on XXXX to see who holds the collection of this account. XXXX XXXX ( XXXX ) told me he did not know who now holds this collection. 
I could call bank on the next business day and he might have some information for me, as he did not have any information about this account in his files at their office. 

On XXXX I called XXXX XXXX back and spoke with XXXX again, who told me the last known collection company for this account was with XXXX XXXX XXXX XXXX XXXX XXXX 

On XXXX I called XXXX XXXX XXXX XXXX who informed me the account was sold to : XXXX Collections XXXX gave me their number and account number. 

On XXXX I called XXXX Collections and spoke with XXXX XXXX who informed me the account was no longer in their office, that it might have been sent back to XXXX XXXX back in XXXX of XXXX. 

On XXXX I called XXXXXXXX XXXX  and spoke with XXXX again, who informed me, that the statute of limitations on this account was up and this account was no longer able to be collected. He said, he will accept a settlement offer of {$13000.00} if I was willing to pay this. I told him the last known balance with a collection company was only {$9100.00}. He informed me that if he was to accept a settlement offer from a charged off account that was already closed, they were adding interest to this loan. The account is charged-off and closed, but they wanted to collect an additional {$4300.00} on a debt that is uncollectible due to the statues being up on this account. 

The vehicle was repossessed in XX/XX/XXXX ... Charged-off, and then sold many time to different collection companies, from one collection company to another collection company. Because no collection company kept the debt, and the original creditor XXXX XXXX  sold it, they decided to say they now had the debt back in their office, when just the day before, XXXX was working on helping me locate the collection company that had bought the debt. Therefore, the debt was paid when the collection company purchased the debt from XXXX XXXX back in XXXX. 

XXXXXXXX XXXX removed the original account from all credit bureaus back in XXXX, and now decided to collect on a debt that is uncollectible and place it back on the credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX  XXXX XXXX XXXX : {$220.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00}.
Product: Credit reporting or other personal consumer reports

I'm unsatisfied with your assertions and am disputing them due to the absence of any substantial evidence to substantiate your position... I urge you to contest this account! Otherwise, I will pursue legal action against you. Let 's be crystal clear here : I am a victim of identity theft, and it's a gut-wrenching situation that nobody should have to go through. But instead of finding help and support from your bureau, I've encountered indifference and disrespect. I demand immediate attention to my identity theft disputes. It's beyond infuriating that your bureau has chosen to disregard the distress and financial harm I've suffered. I'm not going to tolerate this injustice any longer. This account is a result of ID-Theft and I expect you to remove this immediately : XXXXXXXX XXXX XXXX XXXX XXXXXXXX. Please remove this account immediately.