23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

A representative from the Asset Recovery Associates called me and claimed to be representing a bank XXXX XXXX Bank XXXX to collect a debt that they said I still owed. They threatened me with a lien and to ruin my credit by having it cutoff. This debt was discharged in my bankruptcy in XXXX of 1992. I have been careful to keep all my accounts paid and in good standing since then. I do not owe this debt but ARA scared me so that I agreed to pay. I have since learned that it is illegal to go after a debt that has been discharged. I stopped the payment from my credit card but ARA continues to try to call me to collect. This debt must have been purchased from the bank because ARA had my complete list of prior addresses, social security number, and present list of credit card accounts and numbers. This company is engaging in illegal business practices.
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant XXXX  regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XXXX XXXX - XXXX - {$7400.00} ( eq ) XXXX  - XXXX - {$670.00} ( XXXX & eq ) XXXX XXXX XXXX XXXXXXXX - {$0.00} ( XXXX & eq ) XXXX XXXX XXXXXXXX - {$0.00} ( XXXX & eq ) XXXX XXXX  - XXXX - {$17000.00} ( XXXX ) XXXX XXXX  - XXXX {$2300.00} ( XXXX  ) XXXX XXXX  - XXXX - {$24000.00} ( XXXX  ) Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit card

This is in reference to a XXXX credit card i have from First Bank. 
Various charges were done to my card during XX/XX/XXXX in the amount of {$1100.00} and XX/XX/XXXX in the amount of {$2300.00} plus finance charges, international transactions charges and XXXX XXXX, XXXX currency. I submitted a claim to the bank via telephone on XX/XX/XXXX on this issue. I had not reported the issue sooner to the bank because just when these charges were done, I stopped receiving my credit card statements via regular mail. I visited the bank on various occasions to report the issue with my statements personally, nevertheless I continued making my payments straight with the bank teller. It wasn't until XX/XX/XXXX when I finally started receiving my credit card statements and notice the charges done. On XX/XX/XXXX I submitted my claim. Since then, I have called to follow up on my claim on the following XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I talked to XXXX different people this day, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. But I have not received a resolution on this matter. I must mention that on XX/XX/XXXX I received a letter from the bank stating that the charges that I claim were not posted to my account. This letter must have been another mistake done by the bank because the charges were done to my account without my authorization and copies of the statements proves it. I can provide all the information that your agency requests on this issue.
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 Date of Inquiry XX/XX/year>, XXXX XXXX XXXX Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX XXXX Date of Inquiry XX/XX/year> & XXXX XXXX XXXXDate of Inquiry XX/XX/year>
Product: Debt collection

There are forged Promissory Note signature page which has been brought to Mr. Coopers attention and they simply deny any understanding of the differences. Please explain the differences between the XXXX documentation I am providing and Mr. Coopers documentation.
Product: Credit reporting or other personal consumer reports

I currently have six inaccurate tradelines listed on my Experian credit report, and I have made numerous attempts to dispute these entries. Despite my relentless efforts, the disputes consistently result in the tradelines being marked as accurate. Normally, the dispute process takes about XXXX days to yield any results, but astonishingly, my disputes are often resolved in less than XXXX hours. In addition to the tradelines, I faced challenges with my personal information, which required me to dispute it multiple times before Experian finally corrected the inaccuracies. On XX/XX/XXXX, at XXXX PM, I took the initiative to email a formal letter through the Experian XXXX, specifically addressing the Method of Verification ( MOV ). My intention was to understand their process for verifying the inaccurate items listed on my report and to gain insight into the procedures they follow. To further clarify my situation, I called Experian on XX/XX/XXXX, at XXXX AM and spoke with a representative named XXXX. This conversation followed another call I made on XX/XX/XXXX, at XXXX PM, during which XXXX confirmed that my letter had been received in the portal. During my chat with XXXX, I expressed my frustration about not receiving a response regarding my MOV inquiry. He informed me that their policy is not to provide feedback about their verification procedures. I took this opportunity to remind him that I have disputed the entries related to bankruptcy on multiple occasions and have provided supporting documentation, including the bankruptcy letter from XXXX. My attempts to resolve this matter have become increasingly difficult and time-consuming.
Product: Credit reporting

I have XXXX charge off 's I have disputed with both Experian and XXXX and they say they are verified but the XXXX companies have yet to verify it to me. XXXX did an investigation and deleted them both. XXXX is XXXX XXXX Charge off XXXX XXXX, XXXX & XXXX Charge off XXXX XXXX, XXXX. I have no idea what either of them are. I 'm pretty sure they are changing the dates to keep them on the report. It now says last updated XXXX XXXX, XXXX since I filed a dispute. prior to that it showed XXXX date opened. balance XXXX/XXXX/XXXX. They need to be deleted they are not mine. XXXX XXXX has charged off an account and continues to report and inaccurate balance to the credit bureaus which has hurt my ability to obtain credit. XXXX XXXX continues to verify the account with the bureaus but has failed to validated and verify the account with me and the FCRA clearly states any account that cant be verified with original documentation and signatures must be deleted from the consumers credit file Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA - you are required to " ... promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the Covid-19 pandemic, I had put my mortgage with Bank of America into a Forbearance Plan beginning in XX/XX/2020. Bank of America clearly stated in our Agreement ( attached, Page 2 ) that they would not report my account to credit reporting agencies as delinquent. 

On XX/XX/2020, I sold the property and repaid the mortgage to Bank of America IN FULL. One week later I received a notification from XXXX and XXXX that Bank of America had reported my loan to the credit reporting agencies as 90 days delinquent and my credit score dropped 83 points. I was in the process of refinancing the mortgage on my personal residence and that is now delayed because of this. With rates rising, Bank of America is going to owe me compensation for this. They clearly are in violation of our agreement. 

I contacted and filed a dispute with XXXX and XXXX and they stated that " This creditor has verified to OUR company that the current status is being reported correctly. This creditor has verified to OUR company that the prior paying history is being reported correctly. '' I need to have this " delinquency '' removed from my credit reports and Bank of America needs to compensate me for losses sustained from not being able to refinance my personal mortgage at a lower rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't know the specific date or the specific amount of the transaction all I know is that there's an auto loan on my credit on my credit report they're showing under experience because XXXX and XXXX already removed it that I did not do I sent the police report on all proper documentation showing that this was fraud and they still don't want to remove it because they said that it's for documentation to prove to me to show me where it's been verified they have not been able to submit anything to me it's been over a year that I've been going back and forth with them with this issue and it's really annoying
Product: Credit reporting or other personal consumer reports

XXXX XXXX or XXXX XXXX  has been denying us our securities and doing the remittance coupon processes or Negotial instrument using us funds all of these are XXXX in the same and all I wanted was to pay on the account we keep getting denied which all debt are prepaid we have unlimited credit and all sum of money should be returned back to the creditor which we are XXXX XXXX XXXX XXXX XXXX XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an inquiry on my XXXX  credit report for Caine and Weiner from XX/XX/2019. I did not authorize this inquiry at all. I contacted XXXX  and was told to contact the company ( Caine and Weiner ) that made the inquiry to have it removed. I did reach out to Caine and Weiner and was told that they only placed a collection account on my report, not an inquiry. My XXXX report clearly shows an inquiry from this company on my report and I need help having it removed as it was never authorized. Thank you.
Product: Credit reporting or other personal consumer reports

( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) 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.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

XXXX XXXX - Account Number : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX - Account Number : XXXX INQUIRIES : XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

i pulled my credit to myself for the first time in 2 years and seen many accounts that were not mine. i never applied nor seen any of these accounts.These accounts need be removed
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of XXXXXXXX XXXX. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting or other personal consumer reports

In accordance with Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 u.s.c. 1681. 1. ) Account name : XXXX XXXX Account # : XXXX. XXXX. ) Account name : XXXX XXXX XXXX XXXX Account # : XXXX. XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX. ) Account name : XXXX XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX  Account XXXX : XXXX XXXX XXXX Account # : XXXX XXXX. ) Account XXXX : XXXX XXXX XXXX. Account # : XXXX XXXX. ) I XXXX XXXX XXXX Account # : XXXX. XXXX. ) XXXX XXXX XXXX Account : XXXX. XXXX. ) Account XXXX : XXXX XXXX XXXX XXXX. ) Account Name : XXXX XXXX. XXXX. ) XXXX. XXXX XXXX Account # : XXXX has violated my rights. 15 U.S.C. 1681 section A states I have rights to privacy. 15 U.S.C. 1681 section 604 A section 2. States a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681 c. ( A ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$11000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act the following accounts has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S.C 1681 section 602 A. States I have the rights to privacy.

Please remove these fraudulent accounts.
Product: Credit card or prepaid card

I have been paying on my Capital One account for over two years although it is reported as closed. Each month after making my scheduled automatic payment, my balance of {$2400.00} continues to be erroneously reported as the same although there is a statement in my email and on my credit reports that states the balance is updated on the XXXX of each month. However, the balance has not been updated in over six months or more. Therefore, I am attaching my payment schedule which reflects that I have XXXX payments of {$94.00} and one payment of {$94.00} left to pay off the balance as of XX/XX/22 which totals {$1400.00}. This is a difference of {$1000.00} which will make a difference in my total debt to income ratio on my three credit reports. In addition, it is important to have this balance reported correctly because it negatively impacts my credit score especially when I am in the process of purchasing a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  a fraudulent account, XXXX also its a fraudulent adress on my report XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX. 

XXXX accordance with the Fair Reporting Act XXXX  Account XXXX, has violated my rights. ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ..15 U.S.C 1681 section 602 A. States i have rights to privacy.

... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 15 U.S.C 1681 Section 604 A. Section 2 : it also states a consumer reporting angency can not furnish a account without my written.instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable 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 I have previously asked you to block. 
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft.

I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting.

I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) 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 every piece of information and remove these items below from my credit report. 
Accounts 1. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX 2. The following personal information is incorrect Account Number : EMPLOYER : XXXX 3. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX 5. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 
6. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
7. Identity Theft XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
8. Identity Theft XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
9. Identity Theft XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
10. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 11. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX  12. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XX/XX/ 15. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Delete this account.
Product: Mortgage

I work for a XXXX XXXX, and we had a Refinance closing at the end of XXXX. On XXXX XXXX the file was funded and a Wire in the amount of {$170000.00} was sent to Select Portfolio Servicing to payoff the borrowers current mortgage. A payoff statement was obtained and showed that amount to pay the loan in full, good through XX/XX/24. 
XXXX, XX/XX/24 i was informed by the homeowner that the loan had NOT been paid at all and that Select Portfolio had not applied the funds to their loan. 
I contacted them first thing this XXXX  and was advised that my Wire sent on XX/XX/24 was NOT processed by them until XX/XX/24 and that the payoff was now short ( there was a tax disbursement ) by over {$2700.00} and that I needed to send the tax amount from my file which was {$1900.00} and now the homeowners need to send more funds to pay it in full as they have charged daily interest since! 
This is NOT the first time this has happened with this lender. They routinely HOLD payoff wires for up to XXXX business days for " clearing ''. This should not be allowed as these are certified payoff funds sent via XXXX  XXXX! The homeowners are being charged additional interest for days and days at a time when they shouldn't be!
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX 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/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that there are 8 outdated accounts listed on my credit report. I would like for these accounts to be removed by guidelines of the FCRA. The accounts that are listed are very outdated.