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

In accordance with the Fair Credit Reporting act XXXX  Account # 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: Mortgage

TO WHOM IT MAY CONCERN, I WISH TO FORMALLY COMPLAIN ABOUT PHH/NEWREZ ALL IVE BEEN GETTING IS THE RUN AROUND. IVE BEEN GETTING ALL WRONG INFORMATION THE BANKS INTENTIONS HAS ALWAYS BEEN TO KEEP MY HOUSE. I DID NOT DEFAULT ON MY TRIAL IVE BEEN EVEN EXTRA PAYMENTS. THEY MAILED MY FINAL DOCUMENTS TO WRONG ADDRESS AND NOW I HAVE TO SUFFER THE CONSEQUENCES. ALL I WANT IS MY MODIFICATION BACK. I APPEAL IT NUMEROUS TIME WITH NO SUCCESS. IT IS BAD FAITH ON THERE END I WILL ATTACHED THE EMAILS TO SHOW PROFF THAT ALL I GET IS WRONG INFORMATION FROM THEM. THEY FIRST TELL MY THAT THE FORECLOSURE IS SUSPENDED THEN I SPEAK TO THE TRUSTEE THEY HAVE A SALE DATE XX/XX/2023 I DEMAND THAT THEY GET PUNISHED FOR MISS GUIDING ME NOW I CAN LOOSE MY HOUSE IN A COUPLE DAYS.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my account : Charge Off : XXXX XXXX XXXX  XXXX {$310.00} XXXX XXXX  XXXX {$5000.00} Collection : XXXX XXXX {$0.00}
Product: Money transfer, virtual currency, or money service

I am desparate for help and am otherwise powerless to get credit for a {$1600.00} payment to Nationstar/Mr. Cooper debited from my XXXX on XX/XX/2021 via an ACH transfer. Nationstar/Mr. Cooper will not take action to either refund or credit my account for the {$1600.00} that they received on XX/XX/2021 despite numerous responses to their request for the federal ACH trace number. XXXX XXXX  has provided Nationstar/Mr. Cooper the ACH trace number- # XXXX four times. I have had four phone separate three way calls between XXXX and Nationstar. 

Can you please intervene? I do not know what to do. 

Additionally, it is incongruous that my account was debited for the {$1600.00} and also for another {$290.00} that I sent to this financial institution via XXXX through ACH on the same day at the time to the same address-neither remittance had an account number and Nationstar/Mr. Cooper returned the {$290.00} but will not return or credit the {$1600.00} it received via the same delivery on the same day. The {$290.00} refund proves that Nationstar received the ACH transfers on XX/XX/2021 from my XXXX account. 

Also, XXXX not only sent confirmation of payment to Nationstar at their designated mail depot, but to these two specific Nationstar agents XXXX and XXXX on XX/XX/2021. I also communicated with these agents stating that I was at the XXXX and they provided that Nationstar had received three separate communications with the ACH trace number # XXXX legally establishing payment to Nationstar.
Product: Credit reporting or other personal consumer reports

I sent a letter on XX/XX/XXXXXXXX XXXX XXXX  to remove the items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the handling of my credit report dispute by credit agency. Despite my efforts to resolve inaccuracies on my credit report, I have encountered several issues that I believe warrant further investigation by the CFPB. 
Background : On [ XX/XX/year> ], I submitted a dispute to regarding inaccurate information on my credit report. The items in question were not properly verified, yet the agency concluded that the information was accurate. I am concerned about the thoroughness and accuracy of their reinvestigation process. 
Details of the Complaint : 1. Inadequate Verification Process : Despite my detailed dispute, the credit reporting agency failed to verify the accuracy of the disputed information adequately. The verification process seems to lack transparency and thoroughness, which raises concerns about its compliance with the Fair Credit Reporting Act ( FCRA ). 
2. Lack of Detailed Verification Methods : I requested a detailed description of the verification methods used by the credit reporting agency, including the specific procedures, sources consulted, documentation reviewed, and criteria for validation. However, this information has not been provided, despite multiple requests. 
3. Timeline of Investigation : There is a lack of clarity on the timeline of the investigation, including key dates and actions taken during the process. This lack of transparency hinders my ability to understand how the investigation was conducted and whether it adhered to FCRA requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/2020 I contacted XXXX XXXX to report fraudulent activity on my account. The company reversed the unauthorized charges but failed to remove the late payment they reported on XX/XX/2020. I tried contacting them recently to try and get this corrected, however customer services informs me that they are unable to go back past 12 months on my account ; therefore unable to investigate the late payment. Im contacting this agency for assistance in getting this late charge removed from my credit report.
Product: Money transfer, virtual currency, or money service

Hello, I am respectfully requesting that the hold on my funds/account be lifted. I am not necessarily requesting that my account be re-opened. I have previously requested a review/appeal of my case which was denied. Although I still disagree with the decision to deny my appeal I will abide by it - however because I feel that holding my funds for 180 days for a non-fraudulent violation of PayPal 's Acceptable Use Policy is excessive, and perhaps a punitive abuse of power. Reference ID : XXXX Your Desired Resolution : I feel that any reasonable person would conclude that holding my entire balance + {$1600.00} for 180 days is excessive and my be viewed by some as punitive or as already stated, an unnecessary abuse of power and perhaps even contrary to the laws of some states. 
That being said Its now over 120 days of waiting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX and all three credit locations to inform them that this account is settled with XXXX XXXX. I have provided documentation to show that this account is settled.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, 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 15 U.S.C 1681c. ( 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. 1681s-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: Debt collection

Advised NCB Management of the account attached to my social was a result of identity theft but the company continues to report this fraudulent information
Product: Credit reporting or other personal consumer reports

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach
Product: Mortgage

Nations Star responded to our complaint to simply close a pending/complaint and any investigations. Stated in the response was there are no tax collection letters going out. Mr. and or Ms . I hold two in my hand from Nations Star! You people attempt to cover your errors like small children. A previous CSR read to me the notes on the account that the representative did not try and force us to except the modification, then stated we did not and the modification was closed. Now are you trying to tell us none of this happen and their aren't any notes that supports this??? 

Payment confirmation # XXXX : {$1100.00} XX/XX/2018. XX/XX/2018 payment as been made and cleared
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Balance : {$71.00} CHILD SUPPORT ENFORCEM XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Equifax 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 ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX {$0.00} Date Opened XX/XX/XXXX XXXX **InquiriesXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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

Thursday I received a letter from BofA saying an attorney has filed a subpoena with BofA for records. This has to do with probate which my wife 's daughter caused to happen. I phoned BofA Thursday and Friday, XXXX and XXXX XXXX, and was put on Eternal Hold and never spoke to anyone. I tried to make an appointment online but every date I checked they said that date is not available, or they are having technical difficulties. How very convenient. I need to speak to a human being at BofA if such exists. I want a copy of that subpoena and I want to close all accounts. BofA is worse than useless, I should have closed all accounts long ago. I have no idea how BofA stays in business. Customer service is nonexistent.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : accounts not mine XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$370.00} Status Collection account. {$370.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$700.00} Status Account charged off. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to make a final demand for the immediate deletion of the following inaccurate and invalid accounts appearing on my credit report. These accounts are not only erroneous but are also harming my credit profile. I am requesting your urgent attention to this matter as per my rights under the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted each credit bureau separately as well as the courts they claim furnished the information being reported on my file. A Chapter XXXX bankruptcy is being reported on all 3 credit bureaus. They all have inconsistent and incorrect information. Further more they are supposed to verify this information with the ORIGINAL furnisher not a 3rd party. The courts listed on my report have provided me a letter in writing stating they did not and do not furnish consumer 's data to any 3rd party. That being said the information is not only inaccurate but being reported without verification. The information listed below shows what's reported on my file for each credit bureau. Starting with XXXX  the filing date is listed XX/XX/XXXX however XXXX  lists XX/XX/XXXX which is correct where is the verified source of this information. Next the reference number is different on all 3 reports as shown below. The Court name is also listed differently on all 3 reports as well. Lastly the closing date shows on 2 of the reports however is left blank on XXXX. Per the Fair Credit Reporting act this information is supposed to reported accurately without any inconsistencies and it MUST be verified by the original source not a 3rd party. If it can not be verified included original documents with my signature confirming the account it must be removed. Where are the records that I signed showing this Chapter XXXX filing actually belongs to me? Where are the records that show the information being reported is true and accurate especially with the difference of information being reported within all 3 bureau 's. See below for the information I am speaking of. 
XXXX  Reports Type : Chapter XXXX Bankruptcy Status : Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Closing Date : XX/XX/XXXX Asset Amount : XXXX Court : U.S. Bankruptcy Court Liability : XXXX Exempt Amount : XXXX Experian Reports Type : Chapter XXXX Bankruptcy Status : Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Closing Date : XX/XX/XXXX XXXX Amount : XXXX Court : US BKPT CT FL XXXX Liability : XXXX Exempt Amount : XXXX XXXX  Type : Chapter XXXX Bankruptcy Status : Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Closing Date : Asset Amount : XXXX Court : Federal Liability : XXXX Exempt Amount : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XX/XX/XXXX
Product: Debt collection

On XXXX XXXX I sent a letter requesting the original copy of the debt that the 3rd party is trying to collect from me about a debt that I didn't authorize them to pay. I also used the law codes and fines for the violating my rights and I also I asked for them to send me a copy of my I.D and signature showing that I agreed to pay this debt. They failed to send the correct information that I requested. I only got a copy of the bill from the original creditor which is XXXX XXXX XXXX I am not satisfied with the results and I feel like this company has violated my rights. The name of the 3rd party company is RADIUS GLOBAL SOLUTIONS, LLC
Product: Credit card or prepaid card

I have a Target XXXX and added my daughter as an additional. The card limit is/was {$7000.00}. My daughter rented a car from XXXX XXXX XXXX in XXXX XXXX, AR and the charge showed on XX/XX/2022 as {$170.00} from XXXX XXXX XXXX. The Target XXXX reached it's limit at that time. While my daughter kept the car beyond the weekend of rental, XXXX XXXX XXXX never charged any interval amounts to my card and according to her call log never reached out to her, while the car was still in her possession. There was nothing showing from XXXX XXXX XXXX until, the car was returned XX/XX/2022, my statement showed someone at Target, instead of declining, paid the charge of {$13000.00} to XXXX XXXX XXXX, making my card over {$20000.00}. XXXX XXXX XXXX did not and will not send me an itemized bill of the charges and I asked Target and it was stated they didn't have one and I would have to go back to XXXX XXXX XXXX for a receipt. Never received one. As I stated my card was at its limit of {$7000.00} at that time. I did dispute this charge and Target gave me no resolution and didn't agree with me that negligence had been done from the employee of their company because the amount should have been declined. Target did not agree with me and stated to me its a valid charge because the charge was authorized, I didn't agree as I have never had that to happen to me before. When I have always reached my limit on a card, any charges over were declined. I need help with this situation as I'm an older woman, XXXX, and worked for the federal government all my working life until I retired. Feel free to contact me. Thank you in advance.
Product: Credit card or prepaid card

On Friday XX/XX/21 I received notification from XXXX of a hard inquiry from Bank of America. I immediately called XXXX and was redirected to Bank of America. I called the bank and the representative was unable to verify based off security questions so I was sent into a branch. The branch did not see anything and I was told not to worry. This morning I received an email from Bank of America the denial and reference number # XXXX. I then contacted XXXX who has since placed a file lock on my account and I was told I had to file a report in order to have the inquiry removed from my report. I have been unsuccessful with Bank of America with speaking to an agent and it is very frustrating.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SEVERAL INACCURATE INFORMATION ON MY CREDIT REPORT, ACCOUNTS THAT MY NAME IS MISSPELLED SEVERAL WAYS 7 DIFFERENT WAYS ADDRESS I HAVE NEVER LIVED AT JUST COMPLETELY INACCURATE YOU ARE RESPONSIBLE FOR REPORTING ACCURATE INFORMATION AND THE INFORMATION I WILL PUT IN THE DOCUMENT SECTION THE MISSPELLING OF THE NAMES ARE LINKED TO SEVERAL UNKNOWN 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 THESE COMPAINES ARE REPORTING DEBTS AND THEY ARE UNKNOWN/FRAUD I WILL BE FILING WITH THE COMPAINES INDIVIDUALLY WITH A POLICE REPORT NEED BE. 
ADDRESSES THAT ARE INACCURATE XXXX XXXX XXXX XXXX XXXX XXXX ILLINOIS XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX TEXAS XXXX XXXX XXXX XXXX TEXAS NAME SPELLING INACCURATE NAME IDENTIFICATION NUMBER XXXX XXXX XXXX  XXXX XXXX XXXX XXXX I TRIED TO GET THE UPDATED INFORMATION AND I WAS UNABLE TO GET MY FREE REPORT FROM ALL THE FRAUD MY SOCIAL IS LOCKED?
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS THE 4TH TIME I HAVE HAD TO COMPLIAN ABOUT SEVERAL ISSUES. MY NAME IS XXXX XXXX XXXX SS XXXX DOB XX/XX/ PLEASE REMOVE/DELETE ANY OTHER VARIATIONS OF MY NAME ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX ). THERE ARE SEVERAL SOCIAL SECURITY NUMBER ON MY CREDIT FILE THAT I HAVE REQUESTED TO BE DELETED, PLEASE REMOVE DELETE THE FOLLOW SS NUMBERS : SS XXXX, SSXXXX, SSXXXX, SSXXXX PLEASE REMOVE THE FOLLOWING FRAUDULENT ACCOUNTS : PREFERRED LEASE XXXX XX/XX/XXXX/XXXX/XXXX XXXX, XXXX XXXX XXXX # XXXX. THE IS THE LAST TIME I AM FILING A COMPLAINT MY INTENT NEXT IS TO FILE A LAW SUIT.