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

I, XXXX XXXX XXXX, a XXXX XXXX, command all the companies below on my credit profile to discharge their debt immediately. The debt should be discharged by XXXX XXXXXXXX XXXX with account number XXXX, XXXX XXXXXXXX XXXX with account number XXXX, XXXX XXXXXXXX XXXX XXXX with account number XXXX, XXXX XXXX XXXX with account number XXXX, XXXX XXXX XXXX with account number XXXX, and Department of Education/XXXX XXXX account number XXXX. I am XXXX and command all these companies to discharge their debt immediately. The federal Fair Credit Reporting Act ( FCRA ) promotes the equity, whiteness, and fairness in order for these companies debt to be free from my credit profile.
Product: Credit card or prepaid card

Applied for Citibank with mid 700 scores. Was denied due to too many recent inquiries however all but 2 were inquiries for an auto loan. When I called to ask to reconsider the agent told me that if they do another hard pull they should be able to look and approve me because the inquiries were auto however when they did the recon the executive credit analyst informed me they cant see individual credit apps and that it doesnt matter either way. Two hard pulls and i was still denied
Product: Mortgage

I opened a HELOC in XXXX XXXX with XXXX, in XXXX XXXX it transferred to Specialized Loan Servicing. In XXXX XXXX i decided to refinance my primary mortgage and during th information gathering phase it was found that the HELOC is not recorded in the county I live in. On approximately XXXX XXXX, XXXX I began calling Specialized Loan Servicing to ask for a copy of this document. I have called each week since asking for this document to allow refinance to proceed, each week I get another person and another story. SLS document storage company seems to be in the land of the lost and no one can call or contact them other than via internal email. I was told to submit issue via fax to expedite ( attached ). I was told that a work ticket had been opened and due to close on XXXX XXXX, XXXX, when I called on XXXX/XXXX/XXXX I was told that ticket had been closed and another opened and scheduled to close XXXX/XXXX/XXXX. No one could tell me what or why. On XXXX/XXXX/XXXX I was told that the original consumer file had been ordered on XXXX/XXXX/XXXX, exactly one working day ago. No explanation as to why it was n't ordered 5 weeks or so prior and no time frame as to when I could expect resolution. At one point I spoke with a supervisor but vague answers where the same, on XXXX/XXXX/XXXX I asked to speak with that persons supervisor and was told that the only way I could reach them is thru the first level supervisor. Oddly enough that person is out of the office for an undetermined amount of time. I have filed a complaint with Specialized Loan Servicing home office and received a letter stating they will investigate in 30 days ( attached ). Now I have missed the closing window for primary mortgage due to all of the fumbling at SLS and its costing $ XXXX per month.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I received a phone call from someone claiming to be from the fraud department at Wells Fargo Bank.They said they noticed some unusual activity on my debit card.Had I traveled outside of XXXX in the last couple of days.I said no.They said someone tried to use my card in XXXX in the amount of XXXX XXXX.She then said she would have to secure my account.She told me to go online and tell her my last 3 transactions that I used my card on.I did.Then she said someone had also used XXXX to send themselves some money out of my account and that she would walk mr through the steps to reverse this transaction.She told me to go into XXXX and XXXX this code in XXXXWhich turned out to be a phone number.I said that says XXXX, she said yes thats the investigator that will be handling this case.She had already asked me earlier what my amount was showing of my bank acct on my side earlier.So she said put XXXX in the amount and that nothing would leave my bank acct that this is securing it so no one can transfer it.I did.She then said Mr.Fredneshia would be giving me a call back within 24 hours and the money would be back in my acct.We hung up and I called Wells Fargo and they told me they could not reverse my transfer and that I had been scammed.So I filed a claim.On XXXX! XXXX they sent me a letter stating that I initiated the XXXX transfer, which I did not cause I thought I was talking to a bank employee and securing my funds.And that the transfer had already been approved and processed.and they are unable to stop or reverse the funds.They have notified thr receiving bank and XXXX about the scam and they have closed my claim.I was not reimbursed.Wells Fargo has done me wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2017 I have written both XXXX and Experian concerning XXXX bogus collection accounts and they still remain. Attached is the results of the XXXX  investigation into the accounts. 

Please Remove!
Product: Credit reporting or other personal consumer reports

Opportunity to Cure I see that TransUnion is continuing to violate my federal consumer rights knowingly which is beyond disrespectful and goes against federal law. Under 15 USC 6802 - Obligations with respect to disclosures of personal information and 12 CFR 1016 - PRIVACY OF CONSUMER FINANCIAL INFORMATION, I opt out of the XXXX XXXX XXXX XXXX XXXX being reported on my consumer report I clearly stated many violations about this matter in my multiple previous complaints. I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 602 A Section 2 Also states a consumer reporting agency can not furnish an account without my written instructions. The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ). TransUnion is infringing on my federally consumer rights by furnishing my educational records/history on my consumer report. Also, according to 15 USC 6805 - Enforcement, it states how the Bureau of Consumer Financial Protection ( CFPB ) has to enforce the regulations.
Product: Mortgage

XXXX was sent over by XXXX That will cover XX/XX/XXXX to XX/XX/2023 I paid a different of XXXX to cover XX/XX/2023 payment. Flagstar bank havent applied the XXXX to my XX/XX/XXXX payment they keep giving me the run around I need my XX/XX/XXXX payment posted My loan number is XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. XXXX and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Mortgage

I continue to have problems with Ditech. I made a payment for my mortgage that was due XXXX XXXX, XXXX. I sent the payment with the statement for this due date on XXXX XXXX, XXXX. It was received by Ditech according to their own records on XXXX XXXX, XXXX. Instead of being applied to XXXX 's statement, it was applied to the principal of my loan. When I failed to receive a statement to make the XXXX XXXX, XXXX payment, I went to my account online on XXXX XXXX, XXXX. It was then that I realized that Ditech had misapplied my payment from XXXX and had assessed a late fee because it indicated that it had not received the payment for XXXX XXXX, XXXX. I called customer service and XXXX told me that she would put in a request for reallocation and to reverse the late fee. I went ahead that day XXXX XXXX XXXX, XXXX ) and made a payment to cover the XXXX XXXX, XXXX payment. On XXXX XXXX, XXXX, I saw that my XXXX XXXX, XXXX payment had been applied to the XXXX payment and that my new due date was XXXX XXXX, XXXX. Today, XXXX XXXX, XXXX, the due date is now back to XXXX XXXX, XXXX, and both XXXX XXXX 's and XXXX XXXX 's payment are in a catch all category of " unapplied amount. '' This is unbelievable! They have also not reversed the late fee, even though my XXXX and XXXX payments were not late. I will call them again tomorrow but this is getting ridiculous!
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered Bank of America reported my mortgage account as closed, in a derogatory status and that no payments have been made since XXXX of 2015, all of which is incorrect. Despite multiple calls to BoA and multiple promises that this would be corrected, BoA refuses to correct the information or update my credit reports.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX  # XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report this account as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX SSN : XXXXXXXX XXXX DOB XXXX XXXXXX/XX/XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 



I demand the following accounts be verified or removed immediately. 



XXXX Account # XXXX Unverified Account ( Provide Physical Verification ) * Please remove all non-account holding inquiries over 30 days old. * Please add a Promotional Suppression to my credit file. 



Thank You, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX; XXXX XXXX; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX  XXXX Balance : {$85.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  ) XXXX Balance : {$750.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX ( XXXX XXXX : XXXXXXXX XXXX XXXX ) XXXX XXXX : {$1200.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX keeps reporting a collection account with a past due balance. They also keep updating the past due date. They are illegally reporting inaccurate information about me. This is a violation of FCRA and is a violation of compliant reporting standards. According to the FCRA I have a right to a completely accurate credit report. 
XXXX XXXX XXXX XXXX keeps reporting a collection account with a past due balance. They also keep updating the past due date. They are illegally reporting inaccurate information about me. This is a violation of FCRA and is a violation of compliant reporting standards. According to the FCRA I have a right to a completely accurate credit report. 
XXXX XXXX XXXX  keeps reporting a collection account with a past due balance. They also keep updating the past due date. They are illegally reporting inaccurate information about me. This is a violation of FCRA and is a violation of compliant reporting standards. According to the FCRA I have a right to a completely accurate credit report.
Product: Credit reporting or other personal consumer reports

I am writing to express my concerns regarding the information on my credit report, which I thoroughly investigated and found to be unverifiable, invalidated, inaccurate, and questionable. This situation has led to XXXX  XXXX, as your agency did not ensure the 100 % accuracy of the reported items, as required by 15 U.S. Code 1681e ( b ) ( b ) - Compliance procedures for maximum possible accuracy. 
XXXX. This late payment status is irrelevant XXXXXXXX XXXX XXXXXXXX Account Number : XXXX The late payment in the past was settled. I'm currently on time with my payments. Please update this account immediately According to the aforementioned code, consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of information related to the individual when preparing a consumer report. Unfortunately, the items on my report do not meet this standard. 
Referring to 15 U.S. Code 1681i ( 5 ) - Update of Inaccurate/Invalidated Credit Information , if, after any reinvestigation, the consumer reporting agency finds disputed information to be inaccurate, incomplete, or unverifiable, it is mandated to promptly update or modify that information based on the reinvestigation results. Additionally, the agency must promptly notify the furnisher of the information about any modifications made on the consumer 's file. 
If you are unable to provide verifiable proof within 15 days after your investigation, I request that you update the account and/or information on my credit report. 
Thank you for reading my concerns have a great day ahead to all Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX company forced me to pay {$170.00} to remove a collection off my credit profile on a insuance policy that was cancelled... i paid the collection off in full so please update to paid and full or delete from my credit report the recietps are attached
Product: Credit reporting

Since XX/XX/XXXX we have been trying to correct an error in our credit history in reported by the credit bureau. The error continues to this date. In response to our claim the bank send us a letter indicating that error was corrected in their system and that credit bureau was notified ( See Exhibit XXXX ). After several a couple of months of monitoring our credit report we contacted the bank to inform them that correction has not been made. The bank indicated that they did what they were required to do and that the problem is with the credit bureau which has not made the correction. They suggested that we contact the credit bureau and ask for a correction. We contacted the credit bureau but never received a response. 
Attached is evidence that that payment was made and debited our account at XXXX XXXX XXXX on XXXX XXXX, XXXX. 
We appreciate your help in getting the credit bureau to correct the record. We would appreciate a notification of the correction made.
Product: Credit reporting, credit repair services, or other personal consumer reports

The currently reported XXXX XXXX  with account number displayed on my Trans Union report, shown as XXXX. the information I not REPORTED on XXXX in this reported claim on my XXXX report, and alleged as on my XXXX report. Any inconsistency, incompleteness, inaccuracy, or omission of the reported item serves as a foibleness from the mandatorily utilized reporting industrys own Metro 2 Data- filled Field Formatted reporting compliance standards, of which there can be NO DEVIATION without JEOPARDIZING THE INTEGRITY OF THE DATA ( see XXXX XXXX XXXX ) and as so is lawfully questionable until evident confirmation of all aspect ( s ) of claim ( s ) are factually true, correct, complete, timely, physically verifiable, and elsewise undeniably valid particularly if not certifiably compliant in full according to the above-mentioned Metro 2 formatted industry requirements XXXX With that in mind, please consider the following suspect reported data fields alleged for this now contested reported item of injury.
Product: Vehicle loan or lease

Carmax does not accept XXXX XXXX payments no information regarding this on their website charging me reversal fees late fees and also putting this on my credit report. I have recorded the phone calls having been a debt collector myself all of the violations and hanging up on me totally unacceptable behavior this is a non issue as far as payment goes they simply told me and willfully lied and said my bank rejected it when it was never presented it for payment when the funds are there. this is not my issue as I am the consumer and the simple fact they have never disclosed this to anyone and they treat their customers terribly. Another words treating me like a deadbeat audio recordings are available if needed.
Product: Credit reporting or other personal consumer reports

As I've Stated. I Demanded To All These Fake Credit Agencies That ONE Name. And One Address Be Used On My Report. 

( XXXX XXXX XXXX XXXX!!! ) XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, Wi. XXXX. 

So Why When I Went To Obtain A Free Copy Of My Credit Report, Yesterday ; They Had EVERY ADDRESS I'VE EVER HAD GOING BACK TO 2002!?!?!?!?!?!?!?!

And Your Response : 'You Should Hear Back Within 60 Days ... '' They DON'T HAVE 60 DAYS!!! THEY HAVE
30!!!!!! Furthermore, They've Already Used Over A Year, Ruining My Score And Wasting My Time While You Did Nothing.

As Per The Fair Credit Reporting Act, Each And Every Address Which Is Not My Current Address And All Connected Accounts Should Be Immediately Deleted. From My Credit Report. 

I've Also Asked That Every Single Debt, Or Account Older Than 7 Years Be Removed From My Credit Report As Well. I'm A CEO With 5 Companies In Total.

I Don't Have Time For This Childishness. Anything Negative On My Credit Report In The First Place, Was Likely A Product Which I Returned, Such As A Cellphone For Instance Or Another Service, Which Was Not As Advertised. I Handle My Business. But If You Think You're Going To Cheat Me, Or Give Me Substandard Service. I'll Return Your Product. Nothing Wrong With That.
Product: Debt collection

I asked the company to send me a letter to verify my debt and that this was not a scam. I was told if i did not start making payments that i would be sued. I simply want a letter to verify that they control my debt instead of me just giving them my social and/or money.
Product: Credit reporting or other personal consumer reports

My wallet was lost that included my drivers license, social security card, and other forms of identification outside of my house and since then there have been several fraudulent ac-count opened in my name student loans, utility bills, car loans, credit cards, home leases, student loans and I dont know what else. I have filed a police report as well. I would like for all these items to be deleted from my credit profile. I also learned that some family mem-bers illegally purchased cars in my name, and have refused to delete my name from their auto loans. 
ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Com-pliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, cer-tifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, docu-mented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or XXXX XXXX Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all deroga-tory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE AS-SUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifia-bility of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwa-vering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. 
I would like to forge forward with a righted disputation challenging what likely is an inaccurate, un-true, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsi-bility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here!