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

I am writing to request the steps your company undertook during the investigation of the disputed item. Please provide a detailed explanation of how you arrived at these conclusions. Specifically, did you receive written notification from the company or was it a verbal confirmation? 

Additionally, I would like to know the address to which you sent the request or the phone number you used to contact them. Please refrain from sending a generalized response outlining typical investigation procedures. I am seeking a detailed account of how you obtained these particular responses. 

Below is the account that I am disputing : XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX XXXX ), Consumer Date of Birth : ( XXXXXX/XX/XXXX ), Contents of Complaint : I am filing this CFPB complaint to request that Equifax, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), block information on my credit report that is the result of identity theft and fraud within four business days of receiving this complaint. 

The fraudulent, inaccurate, and false information includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have led to several unauthorized hard inquiries and fraudulent collections on my FICO credit report. All these accounts, collections, and inquiries are the result of identity theft and fraud. 

Enclosed is a copy of the FTC Identity Theft Criminal Complaint # XXXX ( XXXX ) # XXXX ( XXXX ) as proof from the U.S. Federal Trade Commission that all the mentioned credit accounts, collections, and inquiries are due to identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX AES reported my student loan account ( s ) Federal and Private, over 30 days past due for my XX/XX/XXXX payment. I received a notification from one of my credit cards and immediately called AES to inquiry and dispute. The AES representative confirmed that she did not see my XX/XX/XXXX payment paid after 30 days. She advised that I would need to write a letter to have it reviewed. I followed instructions and wrote a detailed letter. AES responded by advising there was an error back in XX/XX/XXXX that they would adjust, but nothing for the XX/XX/XXXX reporting. I've worked hard over the past year to keep my  account current and that negative mark reported in XX/XX/XXXX dropped my score by 30 points. I need my account payment history reviewed from XX/XX/XXXX through XX/XX/XXXX and updated correctly. 
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Product: Credit reporting or other personal consumer reports

I have previously contacted the credit bureaus regarding these discrepancies and requested the immediate removal of the inaccurate items from my credit reports. However, despite my efforts and the clear inaccuracies in the reporting, the inaccurate information has not been updated or removed from my credit reports. 

I am concerned about the impact of these inaccuracies on my credit profile and request that the Consumer Finance Protection Bureau intervene to ensure that the credit bureaus take appropriate action to rectify the inaccuracies and update my credit reports accordingly. 

The discrepancies between the reports are as follows : XXXX Last Activity Date : Equifax reports the last activity date as XX/XX/XXXX. 
XXXX reports it as XX/XX/XXXX. 
XXXX reports it as XX/XX/XXXX. 
XXXX XXXX XXXX : Equifax and XXXX report a past due amount of {$6900.00}. 
XXXX reports no past due amounts.
Product: Credit reporting or other personal consumer reports

I requested my 1099-c from this company that was cancelled debt. This company is reporting cancelled debt to my consumer report. This is a clear violation of 15 usc 1692s-2. Ive put them on notice that income cant be reported to a consumer report and they are reporting inaccurate information. They havent send me the 1099-c form that I requested to file my taxes properly. They are committing tax fraud!
Product: Credit reporting or other personal consumer reports

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for Charge Off and collections. I have tried numerous times to have this situation resolved with no resolutions.XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I tried to contact XXXX, XXXX and Experian. I noticed I have a lot of Hard inquire who DO NOT HAVE written or verbal permission I demanded they remove it and I 've tried three times all they keep forcing me to do is contact the companies and then the companies require I call the credit bureaus. I need them to REMOVE ALL HARD inquires I also spoke to someone they said they 'll remove it all for me but they failed to do this
Product: Mortgage

Applied to refinance a investment property with HSBC US the requested the following information : 1- Documentation to verify the total housing expense for all real estate listed on application, including but not limited to : principal, interest, taxes, insurance, HOA fees, ground rent and assessments, as applicable. 
2- Provide the Initial Written Verification of Employment Untranslated 3- A Satisfactory Project Questionnaire must be provided. 
4 - The loan is contingent on approval of the project. 
5- Rent loss insurance, equal to a minimum of 6 months gross monthly rent for the subject property, is required in order to consider rental income. 
6- The maximum allowable deductible on your homeowners insurance policy is 5 % of the face amount of the policy, unless state law requires a higher maximum deductible. 
7- Current year 's operating budget is required for satisfactory project review. 
8- An HO-6 insurance policy is required when the master insurance policy does not include, coverage for betterments and improvements. Coverage must be sufficient to repair the condo unit to its condition prior to the loss claim event. 
9- A Master Hazard and Liability Certificate must be provided evidencing satisfactory coverage including : General Liability, 100 % Replacement Cost, Fidelity Bond Insurance , Property, Rent Loss, Boiler/Machine and Umbrella Coverage. 
10- Approval contingent on verification of credit, income and other financial information stated on application 11- HSBC will verify that a minimum deposit/investment balance of {$75000.00} in a qualifying HSBC *XXXX* *XXXX* XXXX XXXX  XXXX  XXXX   XXXX : XXXX XXXX XX/XX/19 account will be established or has been maintained. Required deposit is in addition to the amount needed for down payment and/or closing costs. 
12- Borrower to provide a letter of explanation for the Address of XXXX XXXX XXXX XXXX XXXX, XXXX CA. If borrower has ownership, provide verification of all expenses for the property 13- Provide the most recent credit card statement and Mortgage statement for XXXX XXXX 14- Title to list correct name for HSBC. 
15- Provide explanation for address of XXXX XXXX XXXX , XXXX , PA listed on bank statements. 

They rejected my application based on Excessive obligations in relation to incomeI asked for a copy of the documents submitted to the underwriter more than one time and I did not get it. I believe they submitted my information with wrong information which resulted in this rejection. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting this CFPB complaint requesting that the Credit Bureaus remove the disputed fraudulent items reporting on my Credit Report. I have read that the Credit reporting Agencies are required to remove any accounts and information that resulted due to identity theft under the Fair Credit Reporting Act section 605b. I feel like the Credit Bureaus have done nothing to correct my Credit file. I am submitting this CFPB complaint to follow up the previous complaint I submitted last XX/XX/2022. I need the following items deleted as soon as possible : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$0.00} XXXX XXXX Balance : {$2000.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$1000.00}. If the Credit Bureaus claim that the Disputed items do belong under my name, I need the Credit Bureaus to provide me copies of proof of verification or any documents bearing my signatures. If the Credit Bureaus find no such documents, I would greatly appreciate it if the Credit Bureaus would immediately remove the disputed items from my Credit report.
Product: Credit reporting or other personal consumer reports

It is completely unjustified that I have consistently made timely payments for this account and have never been overdue. I kindly ask that you rectify my account to accurately reflect this.
Product: Credit reporting or other personal consumer reports

To whom it may concern, my name is XXXX XXXX and my address XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. My phone number is XXXX XXXX XXXX. I contacted XXXX XXXX XXXX and experience Credit reporting agency Concerning These accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts were open fraudulently And I asked them kindly to remove these accounts from my credit report because they are not mine and I want them off immediately. the credit reporting agency plays a lot of games In regards to my request When these accounts were open Fraudulently without my authorization. these accounts Never had the right address neither the right phone number and the correct spelling of my name. the credit bureau has since then updated the correct address to my credit report Along with my name And the correct phone number. These accounts are still sitting on my credit report even though they have no address attached to them And the credit bureau has since then refused to remove them From my credit report
Product: Debt collection

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Product: Debt collection

I had a 1 year lease with XXXX XXXX XXXX XXXX. I had notified property management several times about mold, the extremely loud noise from up stair neighbors, and about a loud and continuous noise coming from a piece off equipment attached to the wall outside our bedroom ( owned, operated, and maintained by the landlord ). I requested several times they fix the equipment making the noise as it would go off every 5 -10 minutes. The noise was so disturbing that we were unable to sleep. I was nearly in an accident when i dosed off driving to work because the noise kept me up nearly ever night. At that point I hand delivered a letter to the property management demanding the equipment be fixed or we would be vacating the apartment under CCP 1942. After several weeks of no response and the complex 's failure to make the necessary corrections we vacated the property and were told they understood. This was on XX/XX/XXXX. We did not hear anything from the complex until XXXX/XXXX when we were then told that we terminated the lease early and owed a balance ( 17 months later ) they also are seeking interest for that time. Its my understanding there are new property mangers and i asked them to look at the emails and letter I delivered regarding move out, to which they stated they have no documentation of any communication between myself and the complex. When i asked for the debt to be validated they sent a copy of the lease and a Deposit Disposition,  which indicates that notice was given, yet they somehow no longer have that document. My credit has been severally impacted as well as my wife 's and is preventing us from obtaining credit and incurring unnecessary costs.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a account on my report I do not recognize
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT XXXX XXXX XXXX XXXX  HAS VIOLATED MY RIGHTS./ 15 U.S.C 1681 SECTION 602 A. STATES | 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, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made.. The accounts have nothing to do with me..I am a victim of identity theft and the account is not my responsibility, please remove XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX
Product: Mortgage

The company reported and continues to report late payments on my account despite the fact that we both signed a mutual repayment plan agreement. My mortgage account was directly affected by Covid 19 pandemic and due to that it was approved for 5 months forbearance under The Department of the Treasury CARES Act and the Consolidated Appropriations Act in relation to COVID 19 Pandemic. 
My understanding throughout this process is that we have a mutual agreement for repayment plan, and have I known of the negative implications on my credit score then I would have discussed other available options at the time including modification!
Product: Mortgage

I have applied for refinancing several times and each time Carrington closed my case and asked me to restart 2 or 3 times when I have a HUD worker XXXX XXXX XXXX. This has been a long process and I understand that I was behind but I am trying to rectify the situation and this is becoming tedious. I would like to get a new payment and start fresh.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have three negative items on my credit reports. Two of which are related to me short-selling my home after a divorce in XXXX. The 1st mortgagee was XXXX XXXX XXXX XXXX and the 2nd mortgagee was XXXX XXXX XXXX. Both of those lenders accepted their prospective proceeds from the short sale in XXXX. I have no issue with those negative debts on my credit report. The third negative item is from XXXX XXXX XXXX ( partial acct # XXXX ... ) and it shows Paid in Settlement in XXXX. I believe there has been a mistake in reporting between lenders. I believe Synchrony, previously GE Money, was my original 2nd mortgage. As was common back then, my mortgages were sold to different lenders in the time I was there. I believe a reporting error was made because of a lender debt sale or name change. I have contacted the phone number on my credit report for Synchrony and been transferred to multiple phone numbers within the company. Finally, I spoke with someone at Synchrony who can only see the same account info in their system that is on my credit report because the account is so old. Synchrony, nor the XXXX Credit Dispute can show any documentation that this " debt '' is actually a negative item created by me. There was only a 1st and 2nd on my home and those were settled. I need proof of what this negative item from Synchrony actually is and how it was settled. If this debt ca n't be substantiated by the lender, then the negative item on my credit report needs to be removed. I have already intitiated and received and disputed the intial credit report dispute thru XXXX. There response basically said that " Yes,  Sycnchrony settled a debt with you ''. No other information at all. It could be a fradulent account and the lender provided no evidence to the contrary. Please help.
Product: Debt collection

After multiple calls to me and family I reached out to this company. The woman I spoke with identified them as AMA recovery and they have legal matters to discuss.. She proceeded to tell me that a credit card was opened in XXXX in my name which is incorrect. This account supposedly defaulted in XXXX but sat until going to collections in XXXX. And now the credit card company is filing suit for breech of contract and if I paid today it would be settled. Told her I wasnt paying anything until I had validation of this debt provided and that they can send it to my address that they have on file, something easily found with a simple search. I also requested they stop the repeated calls to me and my family. The woman claimed that the company making the constant calls was not them but a company they hire so there wasnt anything she could do about that. She also claimed that this company was not a debt collector despite the company saying they were calling to collect a debt, legal matters etc on multiple voicemails. She then told me I was a liar and that they were not collectors but a recovery company. This woman got ruder and ruder when she realized I wasnt falling for her scare tactics, told me that if I paid my bills I wouldnt have this problem and other disparaging comments when I wouldnt play her game. She said again that they were going to send someone to serve me papers for the lawsuit to which I told her that was fine and from now on a wanted any further communication to be via mail only. I told her to not contact me or my family again via phone. She didnt like what she heard and said she wasnt going to speak to someone being disrespectful and hung up on me and continued to hang up on me on all future calls. They have refused to answer anymore questions. I feel this is either a scam or a junk collector attempting to use scare tactics and practices that are illegal. I have contacted my attorney about this issue and they have advised me to route further contact to them when possible and any suit filed will be handled in their office. They also advised me to file this complaint and document all further communication.
Product: Bank account or service

I have a mortgage account with US Bank at a fix rate of 4.25 %, monthly payment of {$1300.00} includes principle, interest and escrow. I bought my house in 2001. Until recently, my mortgage monthly payment has increased to {$1300.00}. KEEP IN MIND THAT THIS IS A FIX RATE. I called customer service and spoke to both the rep and the manager whom informed me that the increase of my monthly payment was due to an increase in my property tax, a difference of {$220.00} ( {$3000.00} - {$2800.00} ). I had asked if I can send them a one time payment of the difference in the increase of my property tax but was informed by both that it was NOT an option and that if my property taxes increases again next year then my monthly payment will increase to cover the increase of my property tax.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Charge Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I did not authorize or give consent, nor do I benefit from the following inquires. Please Block and remove. 
XXXX XXXX XXXX - XX/XX/2023 SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer of the United States, I sent Trans Union a formal complaint about inaccurate and fraudulent information on my credit report that does not belong to me. I specifically listed their failure to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit report they publish. I also informed them that it is their responsibility to report only 100 % accurate information. I asked for a reinvestigation on 6 accounts. According to the FCRA, section 609 ( A ) ( 1 ) ( A ), they are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that they post on a credit report. Otherwise anyone paying for their reporting services could fax, mail or email in a fraudulent account. I demanded to see verifiable proof ( original consumer contract with my signature ) for the accounts listed below. I also let them know that I have been hindered in obtaining credit because of these inaccurate fraudulent accounts and under the FCRA, the accounts must be removed. Accounts to be removed immediately. XXXX XXXX XXXX, XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX  XXXX, XXXX XXXX : XXXX .They have not complied with the law or furnished any documentation with my signature as proof that these items belong to me. Delete this negative information from my consumer report.