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

My credit report contains the following address where I have never lived nor have I any accession. Somewhere in XXXX MD I could not cut and pate the exact address!
Product: Mortgage

I have paid Fay servicing a large sum of money and my payments have quadrupled since I paid them XXXX months ago. I need guidance with this because now they are also saying I owe back insurance when they never paid it because I found out it was t getting paid due to a storm and my bankruptcy lawyer not including it on my XXXX XXXX
Product: Mortgage

My servicing company collects escrow funds to pay for my homeowner 's insurance. After failing to make the payment to my insurance company, despite collecting the funds and being named loss payee, I had to pay for my own insurance out of pocket despite the servicing company possessing the funds. After I paid, I sent evidence of my insurance multiple times. Despite sending the evidence and having several conversations, The servicer proceeded to force place insurance on my account unnecessarily and remove MY funds from my escrow account without my permission. This is theft and something they have no permission nor right to do. They have no basis for removing my funds from my account when I provided evidence of insurance multiple times. This company is inept and should not be servicing any loans whatsoever.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

For much of XXXX and XXXX, I paid my $ 8500 monthly rent to my landlady, XXXX XXXX, via Zelle, in three payments of {$3500.00}, {$3500.00}, and {$1500.00} ( {$3500.00} is Zelle 's limit per transaction for any 24-hour period ). On XX/XX/XXXX, my second payment of {$3500.00} went through, and I have four digital proofs of payment, including a text message from XXXX saying that she had received it ( see attachments ). Then, a few days later, she wrote to tell me that her bank ( OneWest ) had been taken over during that same weekend by XXXX XXXX XXXX  ( see the bank 's letter of XX/XX/XXXX ), and that XXXX XXXX had blocked that Zelle transaction, but that they would be reverting the {$3500.00} to me. I had two three-way conversations with a representative of XXXX XXXX and XXXX between XX/XX/XXXX and XX/XX/XXXX. In the first, the representative said it was returning my money to my XXXX  XXXX XXXX account via an ACH, and that money would reach my account in 3-5 business days. In the second, the representative insisted that the issue was out of XXXX XXXX hands, and that I should have the XXXX  XXXX XXXX " open an investigation '' into the affair. Following that, I learned from XXXX that XXXX XXXX insisted that the {$3500.00} should have automatically bounced back to the XXXX  XXXX XXXX ( see XX/XX/XXXX text message ). 
On XX/XX/XXXX, XXXX XXXX, the attorney I had originally engaged for this case, provided me with her transcript of a phone conversation she had with XXXX XXXX XXXX, a representative of XXXX XXXX XXXX  ( see attachment ). According to XXXX XXXX, the {$3500.00} would be refunded into XXXX XXXX account and that she will need to pay you back. ( XXXX has constantly maintained that the amount has never been credited to her account. ). However, XXXX XXXX also told my lawyer that Zelle informed the bank that they would actually refund you the money within 7-10 business days because they regarded it as a Zelle reject since the money was not received. However, the bank found out later that Zelle did not do this. 
On XX/XX/XXXX, I filed a request with the XXXX  XXXX XXXX to recover the {$3500.00}. The XXXX  XXXX XXXX representative with whom I filed the request told me that the bank would open the case within XXXX days, and provide me with a resolution in the 45 days that followed. Those two phases of the banks investigation are documented in the attached notices, the last of which, dated XX/XX/XXXX, denied my claim for reimbursement of the {$3500.00} lost between it and XXXX XXXX XXXX  on XX/XX/XXXX. Most recently, a complaint I filed with the CFPB against XXXX XXXX XXXX  resulted in a denial by the bank of any responsibility ( see attachment ) .I am therefore requesting assistance from the CFPB for the return of the {$3500.00}.
Product: Credit reporting or other personal consumer reports

i have tons of HARD inquiries from XXXX XXXX and car companies. I havent applied for either EVER
Product: Credit reporting or other personal consumer reports

I have been a member with Experian since XXXX  and they will not generate a credit report for me through their website. i also been paying for the membership XXXX for over a year now and still nothing. they told me cause my address is not verified sent in the documents via XXXX XXXX XXXX they requested was my ID and bank statements and they still won't report anything ive called multiple times now and they still haven't fixed the problem
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reverse the late payments reported on the following accounts : XXXX XXXX The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Product: Debt collection

I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : Collection/Charge Off : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to address the presence of unauthorized transactions in my consumer report, which I did not authorize or instruct. As a result, I formally request the blocking and removal of these accounts without any inaccuracies or misrepresentation of facts. Below, I have listed the specific accounts in question : It appears that your organization may be violating 15 U.S.C 1681a 2 ( A ) ( i ), which prohibits a consumer report from solely containing information about transactions or experiences between the consumer and the entity reporting the information.

This statute explicitly states that Transunion, as the reporting entity, should not include transactions or experiences associated with the line of credit extended between the consumer and the reporting entity in my consumer report.

I urge you to promptly update my utilization to 5 % or below within 10 calendar days or remove all utilization from the mentioned accounts. 

Furthermore, I request that you provide all documents on which you rely for reporting the referenced accounts, in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). The information you are reporting is damaging to my reputation and adversely affecting my creditworthiness.

Therefore, I demand the removal of these accounts from my file within 30 days, as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or verification of these accounts.

Additionally, along with the removal of erroneous and unverified information, kindly eliminate all non-account holding inquiries older than 30 days.

Failure to provide a satisfactory response with the deletion of the mentioned utilization and inquiries will result in legal action against your company, for which I will seek {$1000.00} per violation : Defamation of Character Civil Liability Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting, credit repair services, or other personal consumer reports

This is incorrect reporting. It has previously been removed from my credit report because it is inaccurate information. Now, it is being reinserted. 

XXXX XXXX Account Number XXXX Account Type Credit Card Terms Date Opened XXXX/XXXX/XXXX Account Status Closed Payment Status Late Payment Status Details - Status Updated XXXX/XXXX/XXXX Balance - Balance Updated - Credit Limit {$5000.00} Past Due Amount - High Balance {$6300.00} Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX Ownership Individual account
Product: Debt collection

My credit report has incorrect entries I believe to be fraudulent. Requesting their immediate removal.
Product: Credit card or prepaid card

I was approved for a XXXX credit card back on XX/XX/2022. I was only able to use around {$690.00} dollars from that limit because after that all my transactions have decline. I tried calling Bank of America and now they are saying my account is under review and the only way to lift that restriction is to go to the bank with two forms of Id. Im XXXX XXXX XXXX and XXXX  have no interest in showing up in a branch especially not Bank of a America that they take hours to see you. I read my terms and conditions and no where in there it says I have to go to the bank to verify unusual activity on my account. They are violating my rights they approved me and now they do r allow me to use it or to pay it off so I can close This account. Its very sad since I was a Bank of America costumer for almost 40 years. I want the restriction of my account lifted or to be able To make Payment and close it out. Would not reccomend BOA
Product: Debt collection

credit corp solutions you are stating that i owe you a debt and you are the orginal creditor please show a contract between credit corp solutions and my self with my signature or remove this account you have been verify to XXXX  XXXX and XXXX. I have not signed any contract with you which is false reporting and you are causing personal harm to myself with your false reporting, if you can not show a contract remove this account from all credit reporting companies cra s are reporting that you verify this account you are the orginal credtor remove account and please respond through the cfpb so it is on record 15 usc1692c 15usc1692g 15usc1681b { a } { 2 }
Product: Credit reporting or other personal consumer reports

I am writing to address the inclusion of unauthorized accounts on my consumer report, which have been linked to identity theft. I never provided written authorization, including a wet signature, for their inclusion. This matter was recently discussed with your organization, and I am formally requesting the immediate blocking and removal of these accounts from my report. 

The presence of these unauthorized accounts has caused me significant emotional and financial distress. They inaccurately represent my credit history and responsibilities, hindering my ability to achieve important financial goals such as purchasing a home and meeting the needs of my family. If this issue is not resolved promptly, I am prepared to take legal action to protect my rights and seek resolution.
Product: Credit reporting or other personal consumer reports

This company is reporting inaccurate information on all of my credit reports. All three bureaus contain different information which is affecting my credit score. This company has already received a tax write for this account. I have asked for a 1099C so that I may report it as income, however the time frame has lapse. This is fraud and misuse of my information.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items in there to be inaccurate. 

EXPERIAN XXXX XXXX AND XXXX XXXX : XXXX Under 15 U.S. Code 1681e ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ). In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit reporting or other personal consumer reports

I pulled a copy of my credit reports and noticed fraudulent accounts and erroneous personal information on my credit reports. Pursuant to 15 USC
1681c-2, I DID NOT authorize nor originate ANY of these listed inquiries, therefore they must be DELETED within four business days of your receipt of
this letter on clear grounds of IDENTITY THEFT/ALLEGED IDENTITY THEFT. Also, please UPDATE my personal information pursuant to 15 USC 1681sXXXX2. DELETE INQUIRIES: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 see attached Identity Theft Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

accordance wit the fair credit Reporting act. The List or accounts below has violated my federally protected consumer rights tO privacy and confidentiality under 15 USC 1681 Account Number XXXX Name JEFFERSON CAPITAL SYSTEM , 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 _astrucions 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 An other adverse item of information, other than records of convictions of crimes wnich 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. 
Account Number XXXX Name JEFFERSON CAPITAL SYSTEM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/2020 Responsibility Individual Account Account Type open Loan Type DEBT BUYER Balance {$290.00} Original Amount {$290.00} Original Creditor Past Due XXXX XXXX XXXX XXXXXXXX XXXX  {$290.00}
Product: Checking or savings account

The bank routinely blocks me from accessing my funds. Twice now I have spent over an hour on the phone with the bank trying to get them to let me have access to my account balance, and both calls ended in my inability to access my funds. This has nothing to do with recently deposited checks. It has to do with the bank 's fraud detection system flagging my withdrawals as fraud, and then the banks inability to remove that fraud flag resulting in the account being inaccessible.
Product: Credit reporting or other personal consumer reports

In Accordance with the fair credit reporting act XXXX Account number XXXX has violated my rights. 

15 U S C 1681 Section 602 A states I have the right to privacy.

15 U S C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Mortgage

THIS IS THE THIRD TIME IAM MAKING THIS COMPLAINT AND I THINK BANK OF AMERICA KNOWS THERE IS A PROBLEM WITH THE LOAN AND THEY ARE NOT TRYING TO ASSIST ME. 
THE PERSON HANDLING THIS CASE WITH BANK OF AMERICA IS XXXX XXXX. HER PHONE NUMBER IS : XXXX XXXX. 
SHE DOES NOT RESPOND TO MY CALLS EVEN AFTER SHE INFORMED ME THAT SHE WILL SEND ME EMAIL OF HER FINDINGS BY THE XXXX OF XXXX. WHEN I CALLED HER, SHE WAS AWAY ON VACATION. 
THE OTHER INFORMATION SHE GAVE ME WAS THE WRONG ONE AND SHE AGREED THAT THERE WERE TWO ( 2 ) ACCOUNTS THAT SHE SAW. i TOLD HER THAT THE OTHER ONE WAS THE ONE I WAS TRYING TO INVESTIGATE. 
AS AT THE PRESENT TIME, SHE HAS NOT EMAILED ME THE FINDINGS OR RESPONDED TO MY NUMEROUS CALLS. 
MY PROBLEM WAS THAT MY EX-HUSBAND HAD USED MY DOCUMENTS TO ILLEGALLY TAKEN A HOME EQUITY LINE OF CREDIT OF {$150000.00} ON MY HOUSE BECAUSE HE HAD ALL MT DOCUMENTS. BANK OF AMERICA WERE THE INITIATOR AND THEY HAVE THE COPIES OF THE DOCUMENTS. 
ALL I WAS ASKING FOR WAS THE BANK THAT THE CHECK WAS DEPOSITED AT THE TIME OF ISSUANCE AND A COPY OF CHECK. 
PLEASE ASSIST ME. 
THANK YOU.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, FL XXXX Date : XX/XX/year> BURO NAME : Equifax Address : XXXX XXXX XXXX XXXX GA XXXX RE : Letter to Remove Inaccurate Credit Information To Whom it may concern I received a copy of my Credit Report and found the following items, to be in error : ( dispute item and explanation ) XXXX following personal information is inaccurate ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX Please ( remove / update ) this account from my credit report By the provision s of the Fair Credit Reporting act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor cant verify. I understand that under 15 U.S.C. Sec 1681i ( a ), you must complete this reinvestigation with 30 days of receipt of this letter. 
Please send and update copy of my credit report to the above address. According to the act, there shall be no charge for this update report. I also request that you please send notice of corrections to anyone who received my credit report in the past six months. 
Thank You for your time and help in this matter, Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My loan has a XXXX balance. Please update my credit report to reflect current Balance
Product: Credit reporting, credit repair services, or other personal consumer reports

- I tried to avail my self of the six free credit reports from Equifax, since their information breach and their badly bungled efforts to protect my credit information. 

I could not get their MY Equifax.com to work, so I contacted XXXX. 
The first time, I called the number given in their email resonse to my email and gave nearly a dozen personal identifiers, all the usual ones. Then I was asked about any credit cards and I only have two and I identified them. 

Then I was asked the balance, which I gave for the XXXX XXXX account, wasn't asked about the other. then I was asked the exact dates of my last dispute and I gave all three recent dates, and then I was put on hold and a two question survery and then I was hung up on.

The second time the next day, the same prcedure and then I was asked to mail two proof of ID. 
They had all the information they needed to identify me, it was only when they saw I have an active dispute that I was jerked around. 

Could you please fine them heavily and amend their abusive conduct?
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX I made a payment arrangement to get my credit back in good standing with XXXX XXXX, on a chat with an agent named XXXX XXXX, we created a payment plan and expectation that they would start reporting my payments if they were made on time per the arrangement, my first payment I made was that day XX/XX/XXXX of XXXX $ my second one was due XX/XX/XXXX in the amount of XXXX $ and the next was XX/XX/XXXX XXXX  $ - I made the second payment thinking it was the XXXX $ and realized I needed to make more of a payment so I tried to add money, they wouldn't accept it, so I called and spoke to several people about why they wont accept MORE money, after having to hang up on one person and calling back I finally got someone who deleted the first payment then took the correct amount, I then paid XXXX $ XX/XX/XXXX to get my account back in complete good standing. With all this being said I did all this to get my credit back in good standing so they were to report it, because I was moving and needed to get a credit check, I then find out XX/XX/XXXX that they reported me as not making a payment in XX/XX/XXXX and haven't reported ANY of my current payments - I called them and spoke to several people who said they have to follow the fair credit reporting standards etc etc however the agent I spoke to, XX/XX/XXXX said they dont have to report me as making payments and positive until I am in good standing, but yet that doesn't seem correct because I have made payments and you are reporting me as XX/XX/XXXX NOT making a payment then XX/XX/XXXX and XX/XX/XXXX you have no payments at all reflected, I can understand XX/XX/XXXX but NOT XX/XX/XXXX and XX/XX/XXXX. They won't fix my score until after my next billing cycle she said. So now I am unable to move because my credit is showing this and also they are violating my rights as a consumer - I am looking into legal action in small claims against them for this inaccuracy and the issues it is causing currently.
Product: Credit reporting or other personal consumer reports

These companies reporting on my credit report I've never conducted business with, so I made a 605 ( B ) -identity theft complaint and requested the agreement contracts FCRA 15 U.S.C . 1692 and did not receive those documents. 
XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX VIOLATION OF FCRA 609 ( a ) THIS DOES NOT PROVIDE ACCURATE AND NOT CLEAR DISCLOSURE OF ALL INFORMATION IN MY FILE -Unverified Account/ NO CONTRACT 15 U.S.C. 1692 15 U.S.C. 1692 ( e ) states that a false, deceptive, and misleading representation, in connection with the collection of any debt, includes the false representation of the character or legal status of any debt and further makes a threat to take any action that can not legally be taken a deceptive practice. Pursuant to 15 U.S.C. 1692 ( g ) ( 4 ) Validation of Debts.

There are also unverified late payments posting on some accounts that according to FCBA 1666b timing of payments, that I never received the period statement 21 days before payment due date.