23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I contacted the Equifax fraud department to request a letter stating that I have continuously been a victim of identity theft. I had an office visit with the Department of Social Security Administration and they requested a letter on Equifax letterhead stating this information. After being on hold for 45 minutes, I was transferred to department after department. I explained that I am a victim of XXXX XXXX and my attacker continues to find me through my social security number and date of birth due to him taking my purse from me during the altercation. The Department of Social Security Administration stated, " If I could obtain all documents from each credit bureau that I would be able to receive a new social security number. '' I have given years of copies of disputes from each credit bureau showing this information. When I called, I calmly explained the situation and I was told that they could only send me a copy of my credit report. I asked for a manager and was transferred to someone by the name of XXXX claiming to be a manager and simply restated the exact same thing as the previous four people. If something was to happen to me that I would leave a written statement for the public, and all parties involved after numerous attempts to protect my life were bypassed because of a letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has blocked me from accessing my credit report since XX/XX/XXXX. Numerous attempts have been made in XXXX, XXXX, XXXX, and as recent of XX/XX/XXXX to remove the fraud alert that was placed on my credit report without my knowledge or consent. Transunion representatives told me that my credit report is being handled by a specialized unit and I am often put on hold for hours only to be disconnected. When I do speak to a " supervisor '' I am told that I need to submit a request to remove the fraud alert in writing ; therefore, requests were sent via regular and certified mail multiple times in XXXX, XXXX and against in XX/XX/XXXX ; however, Transunion continues to deny my requests and continue blocking me from viewing and requesting my report. I have attached screen shots of the attempts to access the reports via the online website. As the screenshots show, I am blocked from viewing my own credit reports. Additionally, while my report remains unavailable, I learned of fraudulent inquiries on my credit report via XXXX where I am able to access only a limited version of my report. I submitted disputes for all of the inquiries as they were made without my knowledge or consent and for no permissible purpose. I attached copies of identification which included my current drivers license and recent utility bill along with the disputes. Transunion denied my requests advising that they can not remove fraudulent inquiries and that I must contact the data furnishers. There are over 30 data furnishers that ran my credit.
Product: Mortgage

To whom it may concern, I hope you are well. I need help resolving an issue with RoundPoint Mortgage Services, LLC. regarding the incorrect amount of {$1800.00} instead of the correct amount of {$940.00} per month.

According to their representatives XXXX XXXX and XXXX, they set up an escrow account because they did not have the hazard insurance information when they purchased the loan from my previous mortgage lender on XX/XX/XXXX. 
My Insurance agent sent them a copy of the hazard insurance information on XX/XX/XXXX and I sent a copy of the hazard insurance policy on XX/XX/XXXX. 
I also contacted them on : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX to check if there is anything else needed to correct the payment amount to {$940.00} per month. They confirmed they received the insurance information on XX/XX/XXXX and that the payment would be rectified by XX/XX/XXXX. They didn't. I sent them the insurance information again on XX/XX/XXXX and followed it up with a phone call to confirm if they received it. XXXX XXXX from the escrow and insurance department confirmed they received it and that she made sure that the monthly payment was correct by XX/XX/XXXX. They didn't. 
I called them several times since then to have them correct the monthly payment amount to {$940.00}, however they have not corrected the issue. 
I am extremely concerned for my health and the financial hardship RoundPoint Mortgage is making me and my family go through because of this mistake they made and failed to rectify. 

I'm looking forward to hearing from you. 

Kind regards, XXXX
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my check from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concern about the consumer protection laws, and I request your assistance in investigating this matter to make sure my rights are upheld. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Experian on several occasions asking them to supply me with the 3rd party information they are using to 'validate ' the collection account XXXX XXXX XXXX Acct # XXXX they are reporting on my credit file. They have supplied false information on each occasion. I have asked that they remove the information due to them not reporting correctly and also for them to identify the company they are using to erroneously verify incorrect reporting. Experian has misled and deceitfully reported information that they have not properly investigated or has purposefully not been forthcoming with their inability to produce accurate paperwork detailing account information. They have also refused to supply information regarding their investigative process or name the 3rd party that they are using. Experian refusal to supply this information yet still report false information has harmed my credit and therefore makes their actions illegal.
Product: Credit reporting or other personal consumer reports

ACCOUNT NAME XXXX XXXX XXXX  ). I have no idea why this account is on my consumer reports. This account is direct violation of the FCRA! Im not sure what kind of account it is, it has no identification stating what kind of account it is or was. There is NO account number listed on either of my consumer reports. The original balances are inconsistent on all consumer reports. The payment history differs across all of my consumer reports. There is NO open date listed on either consumer report. This account violates so many laws. I want this account removed from all of my consumer reports ( XXXX, TRANSUNION, XXXX ). I DO NOT GIVE CONSENT FOR THIS ACCOUNT TO BE FURNISHED ON MY CONSUMER REPORTS.
Product: Credit reporting or other personal consumer reports

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE USED MY PERSONAL INFORMATION TO OPEN THE FOLLOWING ACCOUNTS IN MY NAME : XXXX XXXX XXXX # XXXX OPENED : XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX # XXXX OPENED : XX/XX/XXXX XXXX. XXXX THE FOLLOWING ADDRESS IS ALSO FRAUDULENT : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have attempted to have Trans Union, XXXX  and XXXX correct erroneous information. I attempted to order.my free annual.report and was denied. I have a common name and they regise to make corrections on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a chapter XXXX bankruptcy in XX/XX/2008. I had interest in an XXXX  at the time. I disclosed this information in my original filing. The Court erroneously filed my chapter XXXX bankruptcy without including that information. The court dismissed the original bankruptcy filing, and then refiled the case under a different case number to add my interest in the XXXX instead of amending the original filing. My credit report shows I have two bankruptcies filed in XX/XX/2008. I have contacted the credit reporting agencies to have the erroneous filing removed, and provided proof from the court of their error but they refuse to remove the erroneous filing from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX both lead off the characterization with " seriously delinquent '' when I have never made a late payment, been charged a financial penalty or incurred a cent of interest on a potential interest-earning monthly balance or statement. That is completely true of credit cards and 2/3 rd true of car and home loans. Moreover, a possible smirch on my otherwise pristine record may have arisen from a collection issue with XXXX - a non interest-bearing situation - over timely cancellation charge resolution.Including utility service disputes in credit ratings may be an overreach in some credit activities.
Product: Credit reporting, credit repair services, or other personal consumer reports

Send me my signature where I received services or you will be getting sued. You have not legally verified any debt.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/year> Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX Last 4 of Social : XXXX Credit Bureau : XXXX, XXXX, XXXX RE : Re-insertion violation - no notice given to consumer To Whom It May Concern, I disputed an account reported by in the file you maintain under my Social Security number. I was informed back in XXXXXXXX XXXX XXXX that the Navy Federal account was deleted from my credit report. 

Now I have discovered that the item has been reinserted on my credit report. 

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. 

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. 

I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney XXXXnerals Office, and the XXXX 

Please govern yourself accordingly. 

Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc XXXX XXXX XXXX XXXX
Product: Debt collection

I have asked NUMEROURS times for this company to send me VERIFICATION with MY signature authorizing THEM to have a contract me me, to owe this debt, and each time was sent a statement with my name, birth date, and debt owed ( This does not verify my debt ) The original company has written off this debt, and I have been in communication with them over this, I DO NOT OWE this debt. They can not verfity it because of the simple fact of HIPPA law in which my signature and medical issues were not disclosed. ANYONE can get my info and say I owe a debt. I want this collection OFF my credit reports ( all three bureaus ). VALIDATION and VERIFICATION are two totally different things and this company has YET to show me PROOF that I woe this debt to them ( I do not owe this debt to them ) If this is not off my credit reports as deletion, I will take legal action against this company for the continued letters/phone calls/ and not being able to verify this debt belongs to me OR me and this company has written contract stating i owe the debt to them ( meaning a SIGNATURE on the debt or between me and them ) I will take full legal action against them. I want this off my report ASAP, and no future letters/calls/etc. I am not the only consumer who has been repeatedly contacted by this company. Thank you.
Product: Credit reporting or other personal consumer reports

After taking a look at my credit report, I am very concerned. I have been a victim of identity theft. There are numerous inquiries on my credit report that are not associated with me nor did I authorize them. I am at a point in my life where I am looking to do more through acquiring a home and vehicle to help provide for those around me. Please remove these fraudulent inquiries from my credit report immediately. The fraudulent inquiries reporting are 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I was absolutely stunned to find inaccurate accounts on my credit report this morning, and I have no idea how this could have occurred. I check my credit report regularly, and this time, I noticed discrepancies that seemed to appear out of nowhere. I even tried refreshing my browser, hoping it was just a glitch, but the incorrect accounts didnt disappear. This issue has really shaken me, and Im asking for a thorough review of the documents Ive sent so I can finally stop worrying about this.
Product: Debt collection

I received a credit alert that LVNV Funding LLC reported a collection on my credit report. I never had any communication from this company prior to this event. No letters or a single phone call. This has caused stress. I have never had an account with their client and I do not recognize the debt that they are claiming that I owe.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SSN : XXXX DOB : XX/XX/XXXX XX/XX/XXXX Subject : Dispute of Charged-Off Account Dear Sir/Madam, I am writing to formally dispute the charged-off account listed on my credit report under : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I recently reviewed my credit report and noticed that this account is being reported as charged off which I believe is inaccurate and misleading. 

The Collections account listed on my credit report under : XXXX XXXX XXXX XXXX I noticed that these are reporting as collection accounts which I believe is inaccurate and misleading as well. 

Also, The following inquires are reporting inaccurate without my knowledge : 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 I would like to bring to your attention the following points regarding this account : XXXX. Incomplete or Inaccurate Reporting : The information provided in the credit report regarding these accounts is incomplete and inaccurate. It fails to reflect the correct details of the account, including the original account balance, payment history, and subsequent account activity. I request that you thoroughly investigate this matter and ensure that the information reported is complete, accurate, and up to date.

2. Verification of Debt : I request that you provide me with the necessary documentation to verify the existence and validity of this debt. This includes the original signed contract or agreement, details of any payments made, and a record of the account 's transaction history. It is my right as a consumer to receive this verification, as stated in the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

3. Statute of Limitations : Please note that the statute of limitations for collecting this debt may have expired. I urge you to verify the applicable statute of limitations for this account and confirm whether the reporting of this charged-off account is in compliance with the relevant state laws.

4. Resolution : I hereby request that you promptly investigate this matter and take appropriate action to correct the inaccuracies in the reporting of this charged-off account. If, after your investigation, you find that the information is incorrect, I kindly request that you remove the account from my credit report entirely.

Please provide me with a written response within 30 days of receiving this letter, as mandated by the FCRA. If you are unable to complete the investigation within this timeframe, please inform me of the delay and provide an estimated date of resolution.

Furthermore, I would like to request that you notify all other credit reporting agencies to which you have provided this inaccurate information about the dispute and the action taken to rectify it.

I look forward to your prompt attention to this matter and the resolution of this dispute. Please consider this letter as a formal request for investigation under the FCRA. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Product: Mortgage

I have sent an email to assumptions for amerihome mortgage company and said I would get a response in 7-10 days. My email was sent on XX/XX/XXXX. I need my problem solved for payments thank you
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXXXXXX XXXX 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 XX/XX/XXXX to XX/XX/XXXX 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. 


XXXX XXXX XXXX XXXX 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
Product: Credit reporting 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 XXXX XXXX XXXX. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS must remove any items no later than 4 business days after receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX, NJ XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$110.00} ; XXXX XXXX ( Original XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$670.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX wrongfully shows the negative account,US DEPT OF EDUCATION/XXXX account #XXXX on my credit bureau.Yesterday equifax "verified" the account as minefor the umpteenth time.The account was never mine.I did not apply for this loan.I did not receive any proceeds from this loan.I have never received any proceeds nor were any educational facilities paid for my benefit.IT IS NOT MINE!IT IS AN ERROR OF THE DEPT OF EDUCATION!I have received negative credit reporting for years and would and could sue Equifax but I have to get in line and I think Equifax will be Bankrupt soon.I have attached  copies of my CA drivers license and social security card.I have attached "the police report of Id theft"an FTC REPORT.IN XXXX...EQUIFAX'S CFPB RESPONSE WAS CONTRARY TO THE FCRA.THEY SHOULD HAVE SUPPRESSED THE INFORMATION UPON RECEIPT FROM THE CFPB.EQUIFAX HAS FOREIGN EMPLOYEES THAT HAVE A DISREGARD FOR US LAW.AS OF THIS MOMENT,EQUIFAX HAS REMOVED 4 OF THE 5 SCHOOL LOANS MENTIONED IN THE FTC REPORT.EXPERIAN AND TRANSUNION HAVE REMOVED ALL 5.THIS DEPT OF EDUCATION LOAN SHOULD HAVE ALREADY BEEN SUPPRESSED BY EQUIFAX AND EQUIFAX WAS NOT REQUIRED TO CONTACT THE DEPT OF ED,BUT FOLLOW THE SCRIPT OF FCRA PROCEDURE AS WRITTEN BU THE US CONGRESS.