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

I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX Account Number : XXXX Delete this account. 

2. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX Account XXXX XXXX Date opened XX/XX/XXXX Account status Open Status updated XX/XX/XXXX Account type Charge Card Payment status Current, was past due XXXX days Balance {$0.00} Balance updated XX/XX/XXXX Credit limit {$300.00} Usage XXXX XXXX Monthly payment {$0.00} Past due amount - Highest balance {$520.00} Terms Revolving
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I sent dispute letters to Experian and XXXX, regarding an account on my credit file that had incorrect or missing information. I stated : " I am writing to challenge the reporting and compliance on an account with XXXX XXXX that is being reported on my credit report with incorrect/missing info. 
More specifically, I am referencing the fact that you are reporting an incorrect account number. 
Your improper procedures are highly damaging to my credit score. Please immediately delete this item. '' When I received the response back from each company, they stated the account was valid, but they did not address the fact that I can't see an account number for me to verify it myself. Just a bunch of XXXX 's. 

As required by section 609 of the Fair Credit Reporting Act, it states that by not reporting the entire account number, 100 % of the information is not being reported accurately. 

I have enclosed these documents below.
Product: Debt collection

I am an XXXX employed with XXXX XXXX XXXX XXXX. I am a victim of identity theft .This collection agency is not only reporting fraudulent account but also aware that is account is fraudulent in deed. I sent my police report and my FTC affidavit that i received from the Federal Trade Commission that was notarized. They keep verifying this fraudulent account and are not reporting to my dispute. I have never had any goods or services with Fair Collections and Out and Collins Asset Group or their affiliates west the are knowingly and willingly reporting this fraud. They have caused me great damage and embarrassment also with XXXX XXXX
Product: Checking or savings account

Chime account is making decision on fraudulent charges in second had unauthorized charge I didnt do but still liability
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
In accordance with the Fair Credit Reporting Act these above companies have violated my rights 15 USC 1681 section 602 ( A ) states that i have the right to privacy. 15 USC 1681 604 ( A ) section 2 also states that a consumet can not furnish my account information without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very upset because how can the bureaus just place information on my report without my knowledge of where exactly the information even came from so I sent off a letter onXX/XX/2020to this date onXX/XX/2020 I have not heard or received information from them regarding issues that are misleading and unverified I know this has to be a violation of my consumer rights because it has been over 60 days now without a response. I just hope they find out who the information belongs too and remove it from my profile. I do appreciate the quick response and the removal of inaccurate accounts.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX 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 XXXX AND 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

MIDLAND FUNDING LLC XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX THESE COMPANIES ARE REPORTING/ADDING INFORMATION TO MY CONSUMER REPORT WITHOUT MY VERBAL/WRITTEN CONSENT. AGAIN, I DID NOT AUTHORIZE NOR GIVE MY CONSENT/AUTHORIZATION FOR THE NEGATIVE REPORTING. 
Per the FCRA as federally protected consumer - I AM NOW OPTING OUT OF ANY AND ALL AUTHORIZATION I THE CONSUMER MAY HAVE GIVING YOU. WRITTEN AND UNWRITTEN VERBAL AND NON VERBAL PER 15 USC 6802.
Product: Mortgage

I am really losing my patience with CFPB. It seems they are nothing more then another government entity wasting tax payers money. I have complained about U.S. Bank and CFPB just marks things as it seems to fit them. U.S. Bank is the worse bank I have ever dealt with. Very dishonest!!!! XXXX XXXX sent me a letter to show what the agreement was between U.S. Bank and myself is. I already know what agreement is. U.S. Bank can not or will not admit there wrong doing. So lets try this again. I have already spoken to an attorney about this matter. I don't know where XXXX got his information but at no time did U.S. Bank send a check in the amount {$1800.00} to XXXX XXXX or Citi/Bank . The check U.S. Bank sent was check # XXXX for the amount of {$1700.00} dated on XX/XX/XXXX. XXXX XXXX considered this to be a third party check and rejected it. To be honest they were lucky that is all that happened. When these cashiers checks were delivered to my house no one was home and they were just left on the front steps. The amount of {$1800.00} XXXX refers to is definitely a check that paid XXXX/CitiBank XXXX XXXX. It was a personal check that I wrote from my XXXX XXXX checking account. Check # XXXX, amount {$1800.00}, dated XXXX XX/XX/XXXX. This is easily verified. U.S. Bank will not find a check for this amount in their system as they never issued it. They need to be honest about that. When I sent this check to XXXX XXXX I notified XXXX XXXX, XXXX XXXX and XXXX XXXX of this. These are the loan officers I have been trying to deal with. XXXX weeks later I had another cashiers check dropped on my front steps. It is a check written out to XXXX XXXX in the amount of {$1700.00}, check # XXXX, dated XXXX XX/XX/XXXX. This is an exact duplicate of the first XXXX. U.S. Bank should know better. I still have that check. XXXX XXXX has already been settled. So why was a check issue to XXXX XXXX and not to myself. Also there is the matter of {$540.00} that was my first payment in XXXX that is not reflected on my account. Again this was a transfer from XXXX XXXX. These things are easily verified. I have asked U.S. Bank to fix this several times and they don't even acknowledge this. U.S. Bank is sadly mistaken if they think I am going to let them steal almost XXXX XXXX XXXX dollars from me. And XXXX XXXX XXXX to do her job instead of just agreeing with XXXX XXXX Everything I have written here is completely true and can be verified. Just reach out to XXXX XXXX. They are my main bank and it will remain that way. U.S. Bank to dishonest and difficult to ever be my main financial stone. As far as CFPB goes I wish they would actually represent themselves as a consumer caring institution they claim they are. If this needs to go to the courts then so be it. 


XXXX XXXX
Product: Mortgage

My current mortgage company ( Dovenmuehle Mortgage ) is holding way too much money in my escrow account and is giving me the run around on running an analysis and refunding the overage. Our current escrow balance is over {$8500.00} and they 're continuing to take out {$610.00} per month towards our escrow account. Our taxes and insurance are n't due until XXXX 2017 and total {$6700.00} for taxes and {$600.00} for insurance. They 're collecting enough each month to pay for both by XXXX, yet wo n't refund us the huge overage. We 've called and faxed and written them several times over the past two months and still nothing. Can you help?
Product: Student loan

This is a complaint about a loan through my credit Union ( XXXX XXXX XXXX XXXX in XXXX, MT ) via a loan called XXXX. First of all, I never intended to take a loan with an adjustable rate. That must have been an oversight on both mine and my co-signor 's part. The predatory issues come in after graduation when they capitalized interest for the loan while I had 4 years left to go adding thousands of dollars to my balance. Then the interest rates go crazy and now this loan has ballooned from a {$380.00} dollar payment to over {$550.00} dollars .... all lining the pockets of a crooked company. I'm sure you'll tell me to refinance those loans to a fixed rate. Well, no kidding, except that the crux of this whole student loan racket is that my credit has tanked due to my debt-to-income ratio, effectively placing me in some kind of credit purgatory where I can't get above a certain rating to qualify for my own refinance. This XXXX loan is serviced by a company called XXXX XXXXXXXX XXXX ( XXXX ). I want this company held responsible for issuing predatory private student loans.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file. 

XXXX Date of Inquiry XX/XX/2021 XXXX  XXXX Date of Inquiry XX/XX/2021 XXXX Date of Inquiry XX/XX/2021 XXXX  XXXX Date of Inquiry XX/XX/2021 XXXX Date of Inquiry XX/XX/2021
Product: Credit reporting or other personal consumer reports

Submitted dispute to all 3 credit bureaus for the following accounts listed below. Some accounts were deleted from 1 credit bureau but not from others that addressed same dispute. I requested deletion from each Credit Bureaus from the following accounts : 1 ) XXXX XXXX  Credit  Card- Disputed discrepancy in reporting contradictory open and closed dates and that account was too old to be reported to credit bureaus. XXXX removed account from Credit Report but Equifax and XXXX did not. The 1st date shown below XX/XX/2024 states file was deleted from credit agency but 2nd date XX/XX/2024 states INVESTIGATION RESULTS - VERIFIED AS ACCURATE and UPDATED : The disputed items ) was verified as accurate ; however, other information has also changed ** ( Report Created On : XX/XX/2024 File Identification Number : XXXX Provided by XXXX Consumer Relations ) ** ( Report Created On : XX/XX/2024 File Identification Number : XXXX Provided by XXXX Consumer Relations )
Product: Credit reporting or other personal consumer reports

as per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt Bondage which falls under XXXX accoring to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 102.142 ( b ) i kindly request that you block this information from my credit report within four business days, pursuant to secrion 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and delted from Transunion. Please delete the following accounts. XXXX XXXX  XXXX {$15000.00} XXXX XXXX. {$8600.00} XXXX XXXX XXXXXXXX. {$8300.00} XXXX XXXX XXXX. {$880.00} XXXX XXXX XXXX {$400.00}. XXXX XXXX. {$0.00}, XXXX XXXX XXXX. {$19000.00}
Product: Debt collection

I'm not even sure what debt they are talking about. There were calling me incessantly and would not tell me who they were. If I answered, they would transfer me to an automated message to leave my information. 

The only bill I thought could have been outstanding was a doctor bill from XX/XX/2018. I have called the doctor 's office and my insurance paid. I have a XXXX balance. 

I do not owe anyone any money ; I have impeccable credit. I have also just checked my credit report, in case of identity theft. My credit report is perfect. 

They are now calling my work number ; I am a XXXX XXXX and it rings in my XXXX. I have been forced to unplug the phone. 

The name of the company is Evergreen Professional Recovery, headquartered in XXXX Washington.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 UC CODE 1681B : Permissible purposes of consumer reports Hard inqiries have no permissible purpose to be on my credit report. They are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I obtained a copy of my credit report and noticed that there was a charge off XXXX XXXX XXXXXXXX credit card and other inquiries on my report that I did not authorize. 
I have reached out and spoken with XXXX XXXX XXXXXXXX and they confirmed the charge off was a fraud account. 
I have reached out to all 3 bureaus to have my credit report updated with the accurate information but have had no success. 
This has been going on for almost a year now.
Product: Debt collection

Dear JEFFERSON CAPITAL SYSTEMS, I am writing to you in response to a communication I received regarding the above-referenced account number XXXX XXXX XXXX. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), specifically 809, I request that you provide validation of the debt in question. 
To facilitate this request, I demand that you furnish me with the following information : 1. **Verification of the Debt** : Please provide the original creditor 's name and address, as well as the amount of the debt as of the date of your correspondence.

2. **Assignment Contract** : I request a copy of the assignment contract or any legal documentation that evidences your authority to collect this debt on behalf of the original creditor. This is essential to verify that you have the legal right to pursue collection actions against me. 

3. **Detailed Account Information** : Please include a detailed statement of the account, including the transaction history and any fees or interest that have been added.

4. **Proof of Compliance** : Verification that your actions are in compliance with applicable state and federal laws concerning debt collection.

Please be advised that until you provide the requested information, any further collection activities must cease, as mandated by 809 ( b ) of the FDCPA. Additionally, I reserve all rights under applicable law, including the right to dispute this debt and request further validation. 

Thank you for your prompt attention to this matter. I expect a response within 30 days of your receipt of this letter. Please send your response to my address listed above.
Product: Money transfer, virtual currency, or money service

Random charges from scammers. Wont allow me to add my bank card. Has shut down one of my accounts and wont let me open back up. ATM fees
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, 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: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize any of the hard inquires listed I notice these on my credit report XX/XX/XXXX, I have file a police report and a identity theft report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

This creditor is not licensed to collect debt in my state.
Product: Credit reporting or other personal consumer reports

These negative accounts and unauthorized inquiries are inaccurate and wrong. 

DELETE ALL ACCOUNTS INCLUDING THE INQUIRIES. INVESTIGATE WITH LAWFUL ACCURACY. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX CRE XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX I will never stop filing complaints against you because I know my rights! 

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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.

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: Debt collection

all of a sudden a collection showed up on my credit reports, I never received any notifications or mail regarding this debt. 

I did not recognize it so I called the company, they told me it was an ER visit for my son I told them my son has XXXX and there is no copays, also my son is an adult They asked me to send his medical insurance information and I did,
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX, and XXXX are all reporting inaccurate information on my credit profile, which is causing major damage to my credit history. The credit bureaus have stated they did a thorough investigation, but I find that hard to believe because I am still finding inaccuracies being reported. They are reporting different information, and this is illegal. If an accurate investigation was done, why are the account balances, dates of last activity, high credit limits, monthly payment balances, and account numbers different from the other? Shouldn't they all be reporting the exact same information if it was deemed accurate and properly investigated? I have attached screenshots along with the inaccuracies I found are highlighted. I am requesting the following accounts be removed immediately due to inaccurate reporting, proving the credit bureaus did not properly verify the inaccuracies that I have recently disputed.
Product: Credit reporting, credit repair services, or other personal consumer reports

7 years ago I had purchased a vehicle for an ex that came to the point where the payments were to steep, we were told that the vehicle was out for repossession and with in the month was gone. 7 years later experian still shows its open and XXXX XXXX does a hard credit pull with out my permission causing my score to be to low to grind a place to live for my family and I I reached out to a lawfirm that sent a letter to both XXXX XXXX  and all three cra. 34 days later experian or XXXX XXXX has not responded.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed 6 disputes to Experian. I have an account that was paid off but is reporting twice on my credit report with Experian. The first dispute was mailed in XX/XX/2020. I have not had a resolution to this.