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

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$12000.00} XXXX XXXX Balance : {$6400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX.
Product: Mortgage

I contacted the LoanCare customer service today regarding my Escrow refund because my account has been updated to reflect the correct information. However, I have yet to receive the Escrow refund as of today 's date, XX/XX/2017 The customer service representative told me that it was mailed to my address on XX/XX/2017 and they could not send another check until the previous one has been in circulation for 30 days. I asked her for the tracking number and she indicated that there was none. I told her that this could not be since the check was of a large amount. I requested to have someone from the Escrow Department to contact me and the customer service representative told me that they did not take phone calls. This is is not good business or customer service in my opinion. Although my account is showing that it is updated I have yet to receive my Escrow refund. This is still fraudulent business. I am asking for an immediate refund of my Escrow overage. This is the first time I have ever experienced this kind of treatment from a mortgage company and I have had XXXX homes in my lifetime.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act 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 2 also states a consumer reporting agency can not furnish an account without my written instructions. Furthermore, this account is being reported without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 credit bureaus have been putting my car loan as reposssed redeem and Late payment that shouldnt be on NONE of my reports. Ive sent in numerous complaints to consumer finance. This is my third time filing and will seek legal action if its not off my report within the same day of receipt of this complaint. This has hindered me from purchasing property. Very damaging to my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # : XXXX ; XXXX ; and XXXX .I 'm including these again. 
XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX XXXX XXXX : {$0.00}
Product: Student loan

I received a bill from the IRS stating I owed them money that was reported by the XXXX XXXX XXXX XXXX XXXX XXXX for a cancellation of Debt for 2015. Several years prior to this XXXX XXXX XXXX, XXXX had contacted me and made a settlement agreement speaking for XXXX XXXX XXXX XXXX for a private student loan amount that had not been paid on. I made a payment plan with them to pay off the amount. At the end of the pay off I asked what further more needed to be done. I was told nothing that the payments had been met and nothing furthermore needed to be done. I never received a XXXX to give to my account to add to the end of the tax year 2015 for the amount of {$7100.00}. I have tried to find a number to reach out to XXXX XXXX XXXX XXXX XXXX XXXX and have no luck at finding a contact number. Had I have received this XXXX I would have taken care of this 2 years ago before it got to this point. I 'm just not sure where to go from here. I have already contacted the IRS to have them I am researching this and need more time before I pay the {$1800.00} they say I owe because of the new reported increase in my income from the cancellation of debt XXXX XXXX XXXX XXXX says I owe.
Product: Checking or savings account

Somewhere open up a SoFi account without my permission and they use {$520.00} to make investments that I know nothing about someone also used my name to open XXXX XXXX  accounts and someone has been depositing focus checks in my XXXX XXXX account and they also have me in the negative with my XXXX XXXX account. {$500.00} My information was hacked in a data breach. Because I have not approved nor do I have any knowledge of any of these transfers or withdrawals.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was applying for a mortgage for a house with Homeward Mortgage company. One of their perks was that they would only do a soft credit check unless a hard check was needed. If needed they would have to approve it with us and contact us ahead of time. We were told this on the phone and in texts I have on my phone with screenshots from XX/XX/XXXX. However after checking my credit report on XX/XX/XXXX I see they did a credit check that hit my account. I was never contacted by phone, through call or text or by email in any way asking or notifying me. I have sent this to the two people I was working with XXXX XXXX and XXXX XXXX but no response.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX, XXXX 2025 Equifax XXXX XXXX XXXX. XXXX, GA XXXX Dear Equifax I am writing to formally dispute, inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a pharaoh investigation into these inaccuracies, as required by federal law. 

Recently, the consumer financial protection bureau filed a lawsuit against Equifax for failure to property investigate consumer disputes, siding, share investigations, and other unlawful practices these practices as outlined by the CFPB, include Conducting inadequate investigations that failed to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results efficiently. 
These allegations highlight, systematic issues that directly determine consumer protection and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be miss handled in a similar manner.
Product: Checking or savings account

My Chase Checking account was closed due to " suspicions activity '' and after review a final decision was made that Chase could not maintain a relationship with me. I was only notified about this when my account and login was restricted ( XX/XX/year> ). I do not frequently use this account, let alone for any suspicions activity, unless banking and transferring money in and out from other personal accounts is suspicions. I was not asked at any point to explain any activity, or lack of activity. I kept about {$1500.00} in the account at any given time so as not to have the account be low on funds. 

When the account was restricted, I was not given any reason and was told I would not be given one, and that Chase was within its legal right to do so. Which is true, except, they are not letting be withdraw my funds. This is where the two-way agreement is broken. I was told I can not do it over the phone to an external linked account, I was unsuccessful online, and in-branch they also told be that I would have to wait for the investigation to be completed then maybe I would receive a check. 

I would also like to have the details of this investigation.
Product: Credit card or prepaid card

Today XX/XX/XXXX I tried to have a late fee reversed. The reason for the ( 1 day ) late payment was die to tropical storm Isaias, which left many parts of VT without power or and internet included. WE paid the fee the very next day! 
Capital one would not wave the fee because we did not fit within their criteria of a " natural disaster '' for our area code XXXX. WE also had a similar issue in XX/XX/XXXX and they waved that fee but because we are within a year, they could not wave a 2nd time ; their policy! 

I am dismayed. We are hard working Americans who have not collected anything from the Government and we pay our bills! Its unfortunate that it is people like my husband and I that are taken advantage of by companies like Capital One! 

I am asking for a review and a reversal of these charges. 

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

My account with XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. SYNCB/ROOMS TO GO Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports XXXX
Product: Mortgage

This is a follow-on to complaint XXXX. To re-cap, I was hired for continued government service with my previous employer to work overseas. This hire occurred in XX/XX/XXXX We knew there would be substantial time before I left. We contacted Amerihome Mortgage company OFFICIALLY XX/XX/XXXX to ask for the request paperwork for an assumption of the loan to take my name off the mortgage. We did not receive the document until XXXX XXXX. I have email traffic proving I sent a PDF filled form back to the assumptions email box on XXXX XXXX. On that day, we did call Amerihome to verify it was filled out correctly before sending. The auto response email stated to give 7-10 business days. We did that, but did not hear anything. This prompted my first call on XX/XX/XXXX to find out info. Unfortunately, no-one can talk to assumptions directly so we had to talk to customer service. All they can do is email assumptions. Many calls later and emails to assumptions, no response from assumptions, I even talked to the escalations department who tried. No response. Again, this was just to request the assumptions packet! Finally, XXXX XXXX XXXX emailed us the package on XXXX XXXX, followed with a phone call on XX/XX/XXXX to assist with filling it out. We filled it out and sent it to XXXX on XXXX XXXX. Then, my girlfriend was asked to send a copy of her social security card so assumptions could send to underwriting. It was received on XXXX XXXX. It's disturbing to know that the company 's response from my previous submission happened on XXXX XXXX, but the individual responding did not know the most current info! Currently, there still is a problem. It seems XXXX XXXX may have quit and we do not have a contact anymore. Has the package been sent to underwriting? The length of time this has taken is ridiculous. I am set to leave soon and we still do not know what's going on! Spoke to Escalations again on XX/XX/XXXX, call reference XXXX. No response yet. In the company response on my previous submitted complaint, XXXX XXXX gave her contact info so I called. Of course it went to voicemail, and the name was a different person. Left a message anyway. No return call. This process has added stress to an already stressful situation with my move. With no real ability to talk to anyone about the progress of our submission, we are in the dark. Not a great place to be. Amerihome should be ashamed!
Product: Credit reporting, credit repair services, or other personal consumer reports

Company In Violation ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, PA XXXX XXXX Shown on Credit Report ; Original Charge Off Balance XX/XX/XXXX : {$14000.00} Balance Shown on Report XX/XX/XXXX : {$18000.00} Highest Charge Off Balance XX/XX/XXXX : {$23000.00} Hello CFPB, XXXX XXXX has continued to add INTEREST to the charged off balance on my credit report. I called and asked XXXX XXXX if they could report the correct information base on our payment agreement and they REFUSED. XXXX XXXX has refused to report the correct information on my credit report. This has caused my credit score to drop. Additionally on XX/XX/XXXX XXXX XXXX added a UNAUTHORIZED inquiry to my credit report which was later removed. 

On XX/XX/XXXX I entered into payment agreement with XXXX XXXX to pay the debt as stated in the attachment. The amount shown on the letter is for {$17000.00}. I paid XXXX XXXX a LUMP SUM of {$5000.00}. I have made 4 monthly payments of {$100.00}. XXXX XXXX still has INACCURATE information on my credit report. The current balance should be {$11000.00} as of XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have recently reviewed a copy of my credit report and and notice i had fraudulent accounts on my report. Please remove these accounts from my report. they are hurting my ability to obtain credit. THANK YOU
Product: Credit reporting or other personal consumer reports

No action taken by company and customer service for Transunion is farmed out to XXXX XXXX XXXX 1. I keep getting notices to see my dispute results, however, I can't get into my own account because a freeze is on my account I did not place. 
2. A XXXX in customer service said to use a different browser. I used XXXX and XXXX but same problem. 
3. I discovered from my financial institute fictitious creditors have reported on my Transunion account. 
4. Transunion has refused to remove the freeze after contacting them multiple times saying they can not remove it because of policy 5. XXXX XXXX XXXX XXXX XXXX and the inaccurate information is negatively affecting me from obtaining housing
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted CCB/HSN about an account # XXXX that is showing on my credit report for all three credit reporting agencies. I sent them a letter ( attached below ) asking them to provide me with information as to why this account was showing on my credit report. I let them know that if they could not provide the required information that the account needed to be removed from my credits reports per the Fair Debt Collection Practices Act and Fair Credit Reporting Act. 

They responded only with a generic statement and response ( attached below ). Anyone can create a statement and attach another person 's name to it. Their response does not meet the requirements of the Fair Credit Reporting Act to validate that this account should be reported on my credit reports. I would rather have these items removed from my credit reports without having to take legal action.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is notorious and has serially falsely reported hundreds of thousands of mortgages as having late payments and refuses to fix falsely reported late payments related to covid and loan modifications with deferments in particular. This company is arrogant and plays with the financial well-being of others and should be shut down by DOGE because they receive government insurance and their incompetence in falsely reporting late payments has an adverse effect on the economy as well. 

XXXX is also a semi government agency that needs to be chopped or massively overhauled by DOGE which I work with as they are arrogant, inefficient, and incompetent. They can fix the falsely reporting lates or I will unleash a maniacal war against them they won't believe. XXXX XXXX XXXX!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient Federal Student loans should be deferred due to unemployment and COVI-19. Navient continues to report inaccurate information. I have been ignored and my concerns have not been addressed. I asked for unemployed or no income-based repayment. Nothing has occurred
Product: Debt collection

I am a documented victim of identity theft with police reports, FTC report, and other legal documents. Portfolio Recovery Associates is illegally trying to collect on XXXX fraudulent accounts opened in my name, by the original creditor XXXX XXXX, which violates the FCRA. The first account has a balance of {$1800.00} ( account ending in XXXX ) and the second has a balance of {$680.00} ( account ending in XXXX ). I have contacted both Portfolio Recovery Associates and the original creditor XXXX XXXX by mail and by phone numerous times, and have included my XXXX XXXX police report from XX/XX/2022 as well as other supporting identity theft legal documents. These fraudulent identity theft accounts need to be removed from my credit reports immediately or further legal action will be taken as I have documented each point of contact with the creditor for supporting evidence. Please see my legal documents and police report attached.
Product: Credit card or prepaid card

Between mid-XX/XX/XXXX through mid-XX/XX/XXXX, someone made purchases through my XXXX account for a game made by " XXXX XXXX ''. I noticed due to the high card balance and I reported it to Chase on XX/XX/XXXX and put a claim into XXXX. XXXX refunded a weeks worth of charges. I attempted to contact XXXX, but there was no direct communication I could find on the web other then form ( would need to submit over 200 forms and their site does not mark which one have been submitted ) Chase did a Fraud investigation however since it was my XXXX account, they cant count it as fraud. Chase then submitted it as a dispute. The dispute lasted 2 months and I followed their instructions, including contacting XXXX and the merchant of the game through a number Chase provided me. Ultimately, XXXX advised me I need to contact the merchant. I was bounced back and forth multiple-times saying if I want a refund, contact the other person ( see the recent email chain attached ). Chase informed they cant do anything as it was digital product, to much time has pass ( even though I filed it within 2 billing cycles ) and  XXXX claims the money is already with the merchant, who does not reply to my request for refunds anymore.