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

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

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 made my mortgage payment on time however it had a small shortage due to an escrow amount change. The bank impounded my monies, did not apply them, did not return them Rather they held them with full use of the funds and did not compensate me interest. 
The amount that was sent in on time easily covered the principal and interest on the payment as well as 90 % of the escrow. The remaining shortage was already in escrow reserve so I had enough personal funds to meet the commitment. The bank also did not use my full contact information to notify me of the issue, e mail mobile numbers for myself and my wife were ignored. A letter was sent out and a message was left on an old work number. At the least horrible customer service but truly a deceptive business practice. They gather this information leaving the customer secure in the knowledge that the bank can contact you in the event an issue arises. Since amble monies were present to make the payment in full. A payment was never received by the bank late, and the fact they just sat on my funds is a great abuse of the relationship. When I complained to the bank they said they could not help me because XXXX XXXX  is required to report all accounts fairly and accurately per the Fair Credit Reporting Act. Well if this is the case where is the fairness and accurate information. The report should say on time payment short a small amount. The late payment leads creditors to believe the payment was not made at all. This is a very big difference. I submit that the bank is in direct violation of the fair credit reporting act by not reporting ACCURATE information of the situation. This situation has caused me to be denied credit and dropped my score XXXX pts for my wife and I.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX and XXXX XXXX have violated my rights XXXX 

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

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

On XX/XX/year>, XXXX and possibly 3 American Express credit cards were opened in my name, I did not apply for new credit cards, cards and statement have been sent to me. The American Express XXXX XXXX card with XXXX {$2200.00}. 
New cards opened without my knowledge, American Express XXXX XXXX, American Express XXXX card and American Express XXXX XXXX card. 
Also, {$4000.00} with drawn form my XXXX XXXX XXXX American Express card, that {$4000.00} is now on my statement.
Product: Debt collection

I made a dispute about this Grant & Weber , INC. showing up on my XXXX  credit report on XX/XX/2020. XXXX  was not able to do anything about it due to the company saying it was in fact me, but it is not, I received a letter from the collection agency XX/XX/20 attempting to collect the debt of {$1100.00} and I've tried calling them with no luck. The company made its first attempt to collect the debt from me after receiving my correct address from XXXX. This shows they had a different address on file that was never mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/2022 High Balance {$59.00} Unpaid Balance {$59.00} Placed for collections In accordance with Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A .states I have rights 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: Debt collection

Upon checking my credit I noticed an account still in collections that was settled and paid over 2 years ago. This should not be reflecting as a collections account this is according to FCRA 15 USC 1681 I HAVE A RIGHT TO an ACCURATE CREDIT REPORT
Product: Credit reporting or other personal consumer reports

Equifax and Transunion, They are inappropriately degrading my credit score in excess for issues that would not require a credit score reduction. My score dropped over XXXX points over night for an inquiry and a credit inquiry and old accounts that were not even mine and they were provided documents. These credit bureaus are not accurate and they are showing scores that do not even correlate with the way my usage and status are.
Product: Mortgage

XX/XX/XXXX Re : XXXXXXXX XXXX Angel Oak Mortgage solutions New house built on XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX History of events 1. The sales agreement was signed on XX/XX/XXXX, for the new build house at XXXX XXXX XXXX, XXXX XXXX TX. 
2. The loan estimate was issued, agreed and signed on XX/XX/XXXX, with rate lock until XX/XX/XXXX at XXXX EDT, interest rate of 3.375 % for a loan amount of {$150000.00}. This is a legal binding document that XXXX XXXX and Angel Oak Mortgage solution need to adhere to for the interest rate lock. ( page 1 of the attachment-loan re-disclosure documents- signed-XXXX ) 3. Final closing date was issued for XX/XX/XXXX 4. Email came XX/XX/XXXX, at XXXX, asking me to choose the interest rate option, offered at 6.25 %, see email attached, an 85 % increase from the rate locked at 3.375 on XX/XX/XXXX ( attachment XXXX XXXX XXXX email regarding interest rate ) 5. I sent a demand email to the respective loan officers and XXXXXXXX XXXX XXXX  consultant with the options : proceed to close at 3.375 % as locked rate, or if I am forced to go to another lender, the {$10000.00} seller credits is being retained. ( attachment-XXXX XXXX XXXXXXXX email regarding interest rate )
Product: Credit card or prepaid card

Citi AAdvantage closed my account on XX/XX/XXXX the letter says they closed my account because of one or more late payments or a returned payment. I have not one returned payment on this account nor do I have a 30-day late. I have had late payments from the pandemic but not where I was even 30 days late I have had a good standing with this account And I have had it since XX/XX/XXXX. They are treating me unfairly.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$350.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$120.00} ; XXXX XXXX XXXX Balance : {$4800.00} ; XXXXXXXX XXXX XXXXXXXXBalance : {$800.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$820.00} ; XXXX Balance : {$500.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$700.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$750.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$370.00} ; XXXX XXXX XXXX : {$1700.00} ; XXXX XXXXBankruptcy Date Filed/Reported : XX/XX/XXXX Reference # XXXX XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; 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 XXXX 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

Company is reporting incorrect information to XXXX, Experian and XXXX for a payment that was never late in XXXX XXXX XXXX. The payment was made on XX/XX/. My due date is the XXXX of each month. If they say I was a month late than from XX/XX/XXXX to XX/XX/XXXX would have been less than 30 days. I have attached all my payments up to date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have NEVER done business with this company ever nor the company it states it originates from. I have reached out to both and customer was rude and hung up on me as I tried to explain the truth them
Product: Checking or savings account

I filed a dispute on XXXX and XXXX business day makes my provisional credit due on XX/XX/25. The employee agreed with me but said she told the supervisor that paying me on the XXXX of XXXX is not right they refused to fix the situation and are violating federal lAw on provisional credit it's makes it outside the XXXX th day because they don't want to fix the issue they owe me {$1000.00}
Product: Debt or credit management

I called. I said I got a text from your company about debt.

I do not recall having a debt with your corporation.

Then they told me several names multiple accounts.

I said I do not recall having any debts with those companies.

I asked whos the original creditors? I told them I was not aware of any debts with those companies.

I need you to send me validation of debt from those companies.

I need to see you have the permission to collect on the debts.

I also need to see the original application with my wet signature on it.

I need payment history. I need to see how you got to your total I also asked if there has been any insurance claim or tax credit on these accounts. If so how much?

Also are you aware with the privacy act of 2000.

It states very clearly I must give you written or verbal permission to publish my personal information. As far as I can remember I never did. Your company can be charged with identity theft.

You can send it to the address you have on file. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I had file a dispute with Equifax in regards to some inaccurate information. They never answer my dispute. I called and wrote a letter several times and never received an answer. Once they had the incident where they were hacked I resubmitted my dispute and some of the item were corrected. About 3 or 4 months later they were reinstated. Again I filed a dispute and informed them that I knew it was illegal to reinsert an item without proper notice and I have yet to have those items removed.
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 XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXl 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 section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681 s-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

Due to the fact that my situation is not properly available on this site as a choice to select above I have been violated by XXXX XXXX XXXX XXXX XXXX. Also, by TransUnion Credit Reporting Agency and XXXX XXXX XXXX does n't have the rights to collect debt in the State of Texas? They are not abiding by the Law accordingly to the State of Texas and they was suppose to remove themselves from my credit report by sending a letter stating to the Credit Reporting Agencies that they need to be removed. Now that I have made TransUnion aware of this they have not done an accurate investigation on XXXX XXXX XXXX. So, I called XXXX XXXX for the Secretary of State Texas Debt Collections Division and found out that XXXX XXXX XXXX is breaking : " Texas Finance Code section XXXX which prohibits a third-part or credit bureau from engaging in debt collection in Texas unless the third party debt collector has obtain a surety bond and file a copy of the bond with the Office of the Secretary of State. Also, that you can not operate in the State of Texas with a XXXX. '' I am in need of another Investigation to remove them from my credit report please.
Product: Debt collection

On or about XX/XX/XXXX, Diversified Consultants added, once again, an account that has already been identified as not mine back in XX/XX/XXXX. This is the same company that was included in a federal lawsuit filed in the State of IL and subsequently dismissed when Diversified Consultants removed the account. 

This company continues to report an account that is not mine and they have never provided, in past communications, any proof that the account is valid. Their assumption is based on a name only and nothing else. This needs to stop, and they need to remove this account from my credit reports immediately.
Product: Money transfer, virtual currency, or money service

I have Bank of America account The account has been open for over 3 years - I have only did one XXXX transaction the entire time- The account was been dormant for over 120 days and then XX/XX/XXXX - XX/XX/XXXX -Account was hacked with 7 different XXXX XXXX to different people over {$20000.00} removed from the account - No call from the Bank... They hacked my account Bank of America denied my fraud claim saying I allowed access to my phone and thumb print .... My phone doesn't have thumb print and I don't how they were able to verify... 

I feel like my REG E has been voliated by Bank of America and they have failed fraud procedures file a new claim XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I recently noticed unusual activity on my credit report. Someone tried getting a car in there name and applying for multiple loans. also multiple accounts are on XXXX that I have no idea about they don't reflect on any other credit beura. multiple additional inquires include XXXX XXXX XXXX XXXX XXXX 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  reported on my report there are accounts that do not belong to me that i have no knowledge off such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THANK YOU HAVE A BLESSED AND HEALTHY FUTURE
Product: Payday loan, title loan, or personal loan

I have been a victim of identity theft for the past several months. Ever since I first noticed it I have been getting monthly credit reports so that way I can assure no new accounts are being reported to any of the credit agencies. In XX/XX/2020 I noticed this new account. I immediately notified the company by letter that I have been a victim of identity theft and provided identification as well as my Identity Theft report. I asked the company to stop reporting this fraudulent information and to investigate the account. I asked for proof of the steps they would be taking. After 30 days I did not receive any correspondence from the company. In XX/XX/2020 I got a new report and the information was still being reported. I again sent another letter to them notifying them that the account was opened fraudulently. Again I have not heard any correspondence. Since it has been 60 days since the first communication I'm asking for assistance. I have attached both packets that I sent to the company as proof, a copy of my ssn card, a copy of my driver 's license, and a copy of my current identity theft report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
THE UNVERIFIED AND INCORRECT PUBLIC RECORD ITEMS BELOW SHOULD BE DELETED : 1. Chapter XXXX bankruptcy discharged. THIS ITEM DOES NOT BELONG TO ME!

Reference # XXXX. 
Inaccurately posted on XX/XX/XXXX. 

2. Bankruptcy chapter XXXX-discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/XXXX.
Product: Mortgage

PHH reverse mortgage. My father died-XXXX Called PHH XX/XX/22 to find out what I needed to do ( selling property to pay reverse ). Uploaded documents on XX/XX/22 ( will, death certificate, letter of intent, questionnaire ) XXXX called to upload court executrix paperwork and they claim never received the XX/XX/22 documents XX/XX/22 Re uploaded ALL documents and executrix. XX/XX/22 received email for XXXX payout. 
XXXXunder contract Law office called for payout and wire instructions-was told there were no documents uploaded so they would not give payout quote. Faxed all documents again on XX/XX/22. Called XX/XX/22 was told nothing received could fax/email documents directly to payout department with request for payout quote. Faxed and emailed all documents again on XX/XX/22 to payout department. XXXXdocuments received but not uploaded would take 3-5 business days-will ask for expedited-call back tomorrow. XXXXcalled-no documents uploaded so cant give payoff quote-they are sending request to legal dept to look over documents before they can be uploaded and quote generated. This blatant delay tactic may cause the selling of the house to not go through. I need some help and for someone to look into the practices of PHH mortgage.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : 1. Name : My current legal name is XXXX XXXX, but it is listed incorrectly on my credit report as XXXX XXXXXXXX XXXX.I request that my name be updated to reflect the correct information. 

2. Date of Birth : The date listed on my credit reportXXXX XXXX, is listed incorrectly. I request that my Date of Birth, XX/XX/scrub>XXXX  be updated. 

I have enclosed copies of supporting documents to verify the accurate information provided above. The documents include : A copy of my driver 's license and social displaying my correct name and Date Of Birth.
Product: Money transfer, virtual currency, or money service

I followed instructions of website and provided highly sensitive personal information and documents and was unable to open account and get status on the account. Ultimately, I was locked out of the account and sought to contact Support to resolve the issue. Initially I sought help from live chat with someone name XXXX. All he could do is reiterate what is written in the self-help portion of the website. Next, I searched for quite a bit of time to find a phone number. None worked until I tried XXXX XXXX and spoke to XXXX who promised to call back in a couple of hours. When he did not, I called again, and he answered telling me to call back the next day. I doubt he is going to do anything about the problem. 

To date, Coinbase Global has a tremendous amount of my personal information and is unwilling to provide any understanding of the account 's current status. The CEO is XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I sent a communication to BANK OF AMERICA, regarding my option to opt out of having my nonpublic personal information shared/reported to any credit bureaus including XXXX, XXXX and XXXX. In regards 15 USC Code 6802, it states that : a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party ( BANK OF AMERICA AND THE BUREAUS MENTIONED ABOVE ARE NOT AFFILIATED ) any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 
( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( They NEVER gave me this information/option ) ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( Again, they never gave me that option when the transaction was initially done ).

*Also see ; 12 CFR Part 1016 Subpart A* They DID NOT give me full disclosure when the transaction initially took place, which is misleading and fraudulent.

NONPUBLIC PERSONAL INFORMATION MEANS : personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer ; or ( iii ) otherwise obtained by the financial institution.

NON AFFILIATED THIRD PARTY MEANS : any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, but does not include a joint employee of such institution.

I am demanding that this information that I choose to no longer have shared with the bureaus, be removed from all of my credit reports immediately. In addition, compensation for their violations of the law and making my life difficult.