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

To Whom It May Concern : I have recently been informed that there is negative information reported by XXXX XXXX XXXX XXXX XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing account # XXXX that I owe {$4400.00}. I challenge the accuracy, compliance and reportability of this listing. Please validate this information with XXXX XXXX XXXX XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my consumer/credit reports I noticed there are incorrect names and addresses being reported by all XXXX bureaus without my permissible purpose or their knowledge of the information to be true.
Product: Credit card or prepaid card

Over the last couple of years I have been going through extreme financial hardship. In order to work with the XXXX banks that I have credit cards with, I was given the option by each of them to close the cards in order to get both lowered payments and lowered rates. I explained to them all that I have very little income and I am definitely a hardship case. Chase bank refuses to lower the interest rate as they say " that is not something we can do ''. Chase says they can lower the monthly payments, but they " can't '' lower the interest charge of 19.4 %. Every other bank did it ... .I 'm not sure how Chase bank is different despite my telling them that I am definitely a hardship case ... ... ... and I have paid my monthly payments in full and on time since XXXX
Product: Credit reporting or other personal consumer reports

I have identified and outlined multiple violations of the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws regarding my credit report. Specifically : Willful Noncompliance ( FCRA Section 616 ) : My credit report includes inaccurate and unverifiable information, indicating that you accepted and reported credit details about me without ensuring their accuracy. This constitutes willful noncompliance, which carries liability of up to {$1000.00} per violation. 
Failure to Disclose Opt-Out Rights ( FCRA Section 603 ( d ) ( 2 ) ( A ) ) : You did not inform me of my right to opt out of the sharing of my personal information. This omission violates my consumer rights.

Deceptive Reporting of Inquiries and Accounts ( FCRA Section 623 ( a ) ( 3 ) ) : My report contains unauthorized hard inquiries and debts that were not properly validated, reflecting deceptive and inaccurate reporting practices.

Violations of the Debt Collection Practices Act : Debt collectors acted unfairly by reporting inaccurate debts and contacting third-party credit reporting agencies regarding these debts, causing unnecessary distress. 
Improper Disclosure of Debt Information to Third Parties : Debt collectors unlawfully disclosed my alleged debts to third-party credit reporting agencies, violating regulations meant to protect my privacy.

Inaccurate Reporting of Late Payments and Finance Charges : Late payments were reported inaccurately, with no clear definitions provided. Additionally, finance charges were incorrectly calculated, further misrepresenting my credit information.

Unauthorized Hard Inquiries : Several inquiries on my credit report were made without my written consent, violating the permissible purposes for obtaining consumer reports outlined in FCRA Section 1681b ( a ) ( 2 ).

Incorrect Personal Information : My credit report includes addresses that do not pertain to me and should be removed.

In response to these violations, I have demanded : Validation or removal of inaccurate debts and accounts.

Deletion of unauthorized hard inquiries.

Immediate correction of all inaccurate personal information.

These actions are necessary to resolve the matter under the law. If my concerns are not addressed, I am prepared to pursue legal remedies.
Product: Checking or savings account

I tried opening an account on you guys website and it have been brought to my attention through email that I did not qualify for whatever reason.
Product: Credit reporting or other personal consumer reports

i saw few inquiries on my credit report i didnt apply for cars loan credit cards the only thing i did apply for was a house loan
Product: Credit reporting or other personal consumer reports

I noticed some errors on my credit report. According to the FCRA section 605B it is illegal to report information on my credit report without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX  XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$5000.00} XXXX XXXX Balance : {$5400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$12000.00}
Product: Debt collection

I paid my collection with XXXX XXXX XXXX in full. Equifax has yet to remove the collection from credit report. I disputed the collection with Equifax. XXXX has removed the collection from my XXXX report. XXXX  hasnt removed the collection either.
Product: Mortgage

Nationstar filed a 30 day late notice to all three credit bureaus after I was late in XXXX 2016. I paid XXXX 2016 and informed them that I would have to make a double payment in XXXX 2016 for both XXXX and XXXX. I followed through with my XXXX and XXXX payments on XX/XX/2016 and have been current ever since. Nationstar filed a 30 day late notice with the bureaus which has negatively impacted my credit score. Additionally, they called on me to refinance our mortgage since we have equity but declined due to my credit score which was adversely impacted by their reporting.
Product: Credit card or prepaid card

Synchrony Bank, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX asked XXXX credit reporting to delve into my XXXX credit file without asking my permission first. They said that they work together with XXXX to continually check my account with them which of course is illegal to do without my permission. They used it to illegally drop the amount i can borrow from their Lowes credit card by {$100.00}. I have never missed a payment with my Lowes credit card ever. So now because of what they did is a violation I want Synchrony Bank to pay me for the violation of privacy and violating my civil rights which would equal {$2000.00}.
Product: Debt collection

XX/XX/2021 a notice I was being sued was left on a table that wasn't my abode for anyone to see violating my right to privacy. The person who left the paper came before XXXX, a violation of the FDCPA. I do not agree to the validity of the debt and the notice had a multitude of violations. I responded within the 30 days to their " Lawsuit '' and still haven't heard a response back. Recently, the alleged debt collector sent another letter attempting to collect the alleged debt ignoring my previous validation notice and affidavit of truth. The party attempting to collect this alleged debt is a third party " law firm '' and pursuant to 15 USC 1692e ( 3 ) one can not represent as an attorney and collect a debt at the same time without being a debt collector. Lastly, I do not want to speak to this third party as they were not involved in the original transaction and I do not consent to this third party being in my affairs.
Product: Mortgage

Payoff of mortgage provided by bsi on XXXX I paid off the mortgage on XX/XX/2021 to avoid foreclosure. Was told by employee which is included in supporting document that the payoff was short by XXXX. Due to home going all the way into foreclosure. That this number was not included in the payoff. 



Why would I reinstate a loan that is being paid off! I am fine with paying the XXXX due to the home going into foreclosure to pay for your attorneys even though and because your company provided an internal document that showed XXXX. The document attached is not an internal document and it says XXXX Now you are telling me the loan payoff is over XXXX. How does that happen! This loan should have never been reinstated Please review documents from your employee and payoff provided by your company.
Product: Mortgage

I was several years ahead on my mortgage when I ran into problems XX/XX/XXXX. PHH said they would work with me and said if I made three payments of {$490.00} they would refinance with me at the end of the trial period. At the end of the trial period I signed the documents and sent them back. They refused to accept the agreement. This year I have been making payments still at {$490.00} per month and PHH refuses to talk to me, is slow crediting checks, hanging on to them up to 3 weeks before depositing, and refuses to give me a payoff amount, constantly sending me foreclosure notices despite the fact that I am still approximately 3 years ahead of my maturation date.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im depressed  now.with no help.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX Account # : XXXX Balance : {$13000.00} As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my 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 Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a payment over my phone in XX/XX/2018. The payment did not process correctly. XXXX Credit had an incorrect address ( since been corrected ) and their notifications of the failure to process did not get mailed to me. As a result, I continued to make payments as agreed and registered three ( 3 ) 30 -day lates. I would not have any late payment if XXXX 's phone ap had worked correctly. I would not have had lates in XXXX and XXXX if XXXX had had my correct address. 

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

These companies broke the law and violated 15 USC 1681 ( a ) ( 1 ) & 15 USC 1681 ( e ) maximum accuracy compliance and procedure they hired XXXX, XXXX, and XXXX who are furnishing inaccurate and unverified information on my consumer report. Proof of inaccuracies is attached ( XXXX, CLOSED ACCOUNTS <DEPT OF ED / XXXX Closed on XX/XX/XXXX, Highest balance {$2000.00} <DEPT OF ED / XXXX Closed on XX/XX/XXXX, Highest balance XXXX ) ( XXXX, CLOSED ACCOUNTS <DEPT OF ED / XXXX Closed on XX/XX/XXXX, Highest balance {$2000.00} <DEPT OF ED / XXXX Closed on XX/XX/XXXX, Highest balance XXXX XXXXOPEN ACCOUNTS- <US DEPARTMENT OF EDU> last reported XX/XX/XXXX, Highest balance {$9000.00} <US DEPARTMENT OF EDU> last reported XX/XX/XXXX, Highest balance {$2400.00} ) This is making me lose confidence in the banking system due to these violations. I the consumer do not grant XXXX, XXXX, or XXXX permission to furnish these inaccurate reports I demand that they delete this account from my consumer report. by the Fair Credit Reporting Act cXXXX XXXX, XXXX, and XXXX have violated my rights. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card

I received a letter from Synchrony Bank notifying me that my credit card with XXXX had been closed due to multiple dishonored payments. I find this to be an extremely egregious reason to shut down my card considering I have been a long time customer for years with this institution. I was in the process of switching my funds from XXXX account to another and this is how I was rewarded for trying to stay up to date on my finances. 

I find it disgusting that Synchrony Bank made the decision to continue collecting payments that were coming through either manually or from the autopay that was enabled ; yet they were very quick to close my account over XXXX to possibly XXXX missed payments that I have since rectified. I am requesting that my account be reviewed for reopening as this is an abusive action on their part and in my mind violates multiple standings with Regulation Z as this could affect my XXXX XXXX going forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person I am a living human being I have rights under 15 usc 1681 Equifax is govern by 15 usc 1681. And they violated my rights numerous of time. I demand the account listed below be moved According to 15 usc 1681 I have the right to privacy and I did not give equifax written permission these accounts.
Product: Credit reporting or other personal consumer reports

Name- XXXX XXXX Address- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New Jersey XXXX XXXX. 
DOB- XX/XX/1993 SSN- XXXX On XX/XX/XXXX i received my updated credit report from Equifax and noticed multiple discrepancies. I had previously sent them a letter letting them know some unauthorized and inaccurate accounts reporting on my credit profile, however nothing has changed. 

I'm afraid the inaccurate information on my profile is holding me back getting approved for a house for my family. 

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. 

I told Equifax to reinvestigate these accounts : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. 

But how is that possible if the open date, date of last activity and much more is incorrect. 

According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly.

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.

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.

Also, they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Credit reporting or other personal consumer reports

This an account that im an authorized user on, im not responsbile for the debt. Im asking for a removal of the account from my credit report. 

XXXX  acct # XXXX {$880.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, which has resulted in the fraudulent use of my personal information. As provided under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following fraudulent accounts and inquiries be blocked and deleted from my credit report immediately : Fraudulent 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, 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 these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items 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 removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XX/XX/XXXX I sent my first dispute letters to all three bureaus XXXX Experian, XXXX, and XXXX  XXXX requesting validation/ verification for the following two XXXX XXXX accounts ( XXXX and XXXX ) be investigated because these accounts are not mine, inaccurate, and fraudulent activity and to delete from my credit report.

Following my dispute letters TransUnion removed the two accounts from my credit report. Experian and XXXX  continued to report inaccurate information. 

XX/XX/XXXX a letter from the XXXX Municipal Court XXXX XXXX District of PA was hand delivered stating I had court XX/XX/XXXX. On this form it states " For Service at a New Address '', the first summons was sent to my mother apartment in which I never lived. 

I attended court on XX/XX/XXXX requesting trial because these accounts are not mine, inaccurate, and fraudulent. I was appointed a new court date for XX/XX/XXXX XXXX. I was then mailed additional information at my mother apartment Notice of judgement. Attached will be documentation XXXX exhibit 1, exhibit 2, and exhibit 3 ) supporting all claims above. 

XXXX XXXX XXXX is violating my consumer rights and never provided validation or proof that this debt belongs to me. Falsified documentation and purposely sent mailings to an address that is not mine so I can miss court dates ( please see exhibit 1, exhibit 2, and exhibit 3 for supporting my claims. ) Furthermore Experian, XXXX, and XXXX  are liable for violating FCRA 15 usc 1681. 

I have never received communication from XXXX XXXX XXXX stating they have purchased my alleged debt. The first communication I received were judgement papers this violates FDCPA 15 usc 1692
Product: Credit reporting or other personal consumer reports

Recently Checking My Credit Report I Noticed That I've Been a Victim Of Identity Theft and Fond Numerous Credit Inquiries I Have No Knowledge Of Here Are The Inquiries That I've Found : XXXX XXXX XX/XX/year> Please Remove These Fraudulent Inquiries From My Credit Report. I Also Attached My Identity Theft Report As Well.