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

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF XXXX XXXX XXXXXXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Debt collection

A collection agency under the name XXXX XXXX APPEARS ON my credit report and is trying to collect an amount of {$83.00} that I do not recall to had with them. Also I dont have any contract or agreement with this Company " XXXX XXXX '' and I DO NOT own them any thing... I never gave this company none of my personal Information as SSN, Names, Adress and Phone number and they are not autorize to use them. A FEW MONTHS AGO ANOTHER COMPANY UNDER THE NAME XXXX XXXX TRIED TO COLLECT THE SAME AMOUNT AND AFTER MY CLAIM AGAINST THEM THEY DELETED THIS ACCOUNT FROM ALL OF MY CREDIT REPORTS DUE TO THE FACT THEY COULDN'T PROVIDE ME WITH ANY SIGNED DOCUMENTATION AS CONTRACT OR AGREEMENT BETWEEN ME AND THEM. ( PREVIOUS CLIAM NUMBER XXXX ) EXPERIAN, XXXX AND XXXX ARE GOOD AWARE OF THIS ILLEGAL PRACTICE FROM THIS KIND OF COMPANIES AND THEY ARE STILL ALLOWING THIS KIND OF COMPANIES TO PUT ERRONEOUS INFORMATION ON MY CREDIT REPORT WITH OUT ANY VALID DOCUMENTATIONS I REQUEST THAT CREDIT TOLL BE REMOVE IMMEDIATELY FROM MY CREDIT REPORT, THAT THEY SEND ME ANY SIGNED DOCUMENTATION AS A CONTRACT OR AGREEMENT BETWEEN ME AND THEM AND THAT THEY SEND ME IMMEDIATELY THE RECIPE THAT SHOWS FOR HOW MUCH THE BOUGH THIS ACCOUNT FROM XXXX OR XXXX XXXX .... XXXX  XXXX IS USING XXXX HAVE ALL MY PERSONAL AND CONFIDENTIAL INFORMATION WITH OUT MY CONSENT IF IN 5 BUSINESS DAY THIS ACCOUNT IS STILL ON MY CREDIT REPORT I WILL FILE A LAWSUIT IN MY SMALL CLAIM COURT DISTRICT AGAINST CREDIT COLL AND ALL THE REPORTING AGENCIES
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that my landlord is not adhering to Georgia state law regarding tenant rights, specifically under the Georgia Code 44-7-13 and 44-7-14. According to these provisions, landlords are required to keep rental properties in a habitable condition and are prohibited from collecting rent for properties that are deemed unlivable. Despite giving my landlord ample time to address and rectify the issues making the property uninhabitable, no solution has been provided. Given these circumstances, I assert that I do not owe any payment for the rent. I kindly request your assistance in addressing this matter and ensuring my rights as a tenant are protected. For the company to do what is fair and equitable to me as a consumer by deleting the items identified.
Product: Mortgage

Rocket Mortgage ( Account # XXXX ) State its Current but I closed on this mortgage on XXXX XXXXXXXX XXXX and the balance is {$390000.00} ( XXXX, XXXX and XXXX XXXX Creditor Contact : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX Creditor Contact : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX Compromise and adjustment of nonjudgment debts. 
Nonjudgment debts which the debtor is unable to pay may be compromised or adjusted in accordance with applicable provisions of this section, and the debtor may retain the security property, if any. Application will be made on XXXX XXXX XXXX by the debtor ; or if the debtor is unable to act, by another party having legal authority to act for the debtor. Collection of a lump sum offer may be deferred until the debtor is advised that the offer is approved. Upon full payment of the approved compromise or adjustment amount, the Agency will release the debtor from liability by delivering the note ( s ) to the debtor stamped Satisfied by compromise or adjustment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize or give consent to XXXX/ XXXX XXXX XXXX to pull my credit! This has affected my score tremendously and I am highly upset with all of this being done without my knowledge! Please remove this from credit report as soon as possible!
Product: Credit reporting, credit repair services, or other personal consumer reports

hello, On this day of XX/XX/XXXX I would like to file a complaint against XXXX  and Experian for inaccurate information on my credit report! I've filed a complaint more than once to no avail. I would like you to make sure that I am treated fairly and not discriminated against based off of history, color, race, age, national origin, disability, sex, and/or religion. I'm in the process of applying for a loan with all credit accounts in Good standing, but have some negative items that are inaccurate on my credit reports with Experian and XXXX. The first and most negative item is XXXX XXXX, which appears on my XXXX credit profile. This item was removed by XXXX XXXX and Experian from my credit report but with XXXX  it still remains! XXXX XXXX closed this account with all three credit bureaus on XX/XX/XXXX. The next items in dispute with XXXX are XXXX/XXXX  in which has a balance of {$0.00} as of XX/XX/XXXX but is still showing a {$600.00} balance, and XXXX/XXXX  is showing a balance for {$23.00} in which also has a {$0.00} balance as of XX/XX/XXXX. Experian also has a balance showing on my credit report for XXXX XXXX in the amount of {$470.00} which has a balance of {$0.00} as of XX/XX/XXXX. Experian also shows a balance of {$23.00} for XXXX/XXXX which has a {$0.00} balance as of XX/XX/XXXX, and Experian also shows a balance of {$420.00} for XXXX XXXX  which also has a balance of {$0.00} as of XX/XX/XXXX. I've called them numerous times as well as filing a dispute to have these inconsistencies corrected but they still remain unchanged, although they told me that they see where the accounts have been paid in full they have not updated my report in a timely manner! Their adequate response is desperately needed to get approved for a loan, otherwise I would be denied based off of inaccurate information posted in my credit report by the Bureaus! Thanks in advance!
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you block certain erroneous data reported on my credit report, pursuant to 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act. It has come to my attention that incorrect information has been included in my credit report, which I believe to be the result of identity theft. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX  XXXX XXXX. XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, and XXXX XXXXXXXX have 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 an account without my written instructions.
Product: Credit card

As evidence of their incompetence I would point out that they state I owed a minimum payment of {$190.00} on XX/XX/year> on their own response letter to CFPB. Wells Fargo has never responded to me directly and waited a month and a half to respond to CFPB during which time they applied additional fees XXXX times. Using WFs own response stating that I owed {$190.00} on XX/XX/year> and paid {$260.00} on XX/XX/XXXX after having to track them down to find payment information they failed to provide or digital notifications they promised, I would still have overpaid them by {$70.00} on XX/XX/XXXX which more than covers any {$29.00} fee and would have brought the account current ( and overpaid by {$41.00} assuming the fee remained ). Their own document then contradicts itself on the following line stating that {$260.00} was past due between XX/XX/XXXX and XX/XX/XXXX while it earlier stated a minimum payment of {$190.00} was all that was due XX/XX/XXXX. Incompetence and deceptive practices has been my experience from Wells Fargo on each attempt to resolve this issue. Their own documentation provided to thwart my attempt to correct and resolve this is riddled with errors. Even if I granted that XXXX received the XX/XX/year> payment XXXX  days late due to their failure to communicate and agreed to the assessed {$29.00} late fee, their own records as provided state that the XX/XX/XXXX minimum payment due was {$190.00} and that the payment they received on XX/XX/XXXX was for {$260.00}. My expectation remains the removal of all late fees and correctly adjusting my account to reflect good standing and accurate payment history throughout. As a gesture of good faith, I will not seek a refund of {$70.00} ( or {$41.00} assuming the {$29.00} fee ) as a result of the stated overpayment on the document they provided.
Product: Payday loan, title loan, personal loan, or advance loan

Halstead Financial Group is harassing me over a debt that they know they can no longer pursue and even admit they can not pursue it but still constantly call and email that I am going to be served by the sheriff and that I I'm delinquent. It is ridiculous that they email and call constantly. I want them to immediately desist harassing me and stop all contact and action should be taken for them pursuing a debt that they know can not be collected on!!
Product: Debt collection

Bank of America, N.A breached line of credit ending XXXX on XXXX and caused three of my properties in XXXX Virginia unlawfully foreclose ( XXXX ). XXXX XXXX XXXX XXXX XXXX XXXX on behalf of Bank of America XXXX XXXX XXXX a complaint against my property at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX attempted to foreclose my property in XXXX, and made me to file XXXX  XXXX bankruptcy to protect my property at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FILED FALSE, FRAUDULENT claim in XXXX  XXXX bankruptcy with different account number from Bank of America, XXXX, XXXX  XXXX BANKRUPTCY CASE NO XXXX CLOSED ON XXXX, AND case number XXXX ca XXXX XXXX XXXX DC XXXX on XX/XX/XXXX. 
conclusion because of the Bank of America, N.A breached line of credit, and opened accounts without my knowledge, and because of the XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX filed false, fraudulent papers in my property deed book, and filed false fraudulent complaint and attempted to foreclose in XXXX my property and filed false proof of claim in bankruptcy XXXX  XXXX in XXXX, i suffered a lot financially and emotionally. 
i demand compensation for all of the financial and emotional damages, AND VACATE ALL OF THE FALSE, FRAUDULENT PAPERS FILED SINCE XXXX IN MY PROPERTY DEED BOOK IN WASHINGTON DC. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Bank of America N.A XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  account # 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 states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card

1.Self Credit Card My card was charged by XXXX fraudulently on these dates as follow : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Seff denied dispute claiming I used this company in the past. I requested to for further details because I have never ordered from these companies in the past. Also, I shared with Self that XXXX XXXX is requesting a call from them in order to refund my money. 

XXXX. XXXX charged my card I won the dispute in XXXX ; Self refunded my {$64.00}. I cancelled my card and stop payment was made according to Self. Afterwards, Self allowed them to continue to charge my card as follows : XXXX {$64.00} XXXX no charge from XXXX ( new card issued in XXXX & stop pymt per Self ) XXXX XXXX {$64.00} XX/XX/XXXX {$64.00} On XX/XX/year> All above charges were reversed and my account was credited. 
On XX/XX/year> Self claimed they did an investigation and all charges were valid. 
When I asked what type of investigation was done in two days and requested a written detailed statement of each charge. I was given a vague reason that I used the companies in the past. Detailed information was denied by Self.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed and faxed letters to the XXXX credit bureaus requesting they investigate the accounts in question and provide proof of those accounts. No investigation has been made and I have not received any letters or emails regarding my requests. Several of the accounts are in direct violation of the FCRA guidelines being that the original creditor or collection agency is not provided for the accounts reporting.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 section 602 ( a ), it is essential to ensure that consumer reporting agencies carry out their significant responsibilities with fairness, impartiality, and respect for the consumer 's privacy rights. As a consumer, I have the right to safeguard my private information, as supported by 15 USC 6801, which emphasizes the Congress 's policy that financial institutions must actively protect customer privacy and the confidentiality of nonpublic personal information. 

A " furnisher of information to credit agencies, '' classified as a financial institution, falls under this title. 15 USC 1681 section 604 ( a ) ( 2 ) stipulates that a consumer reporting agency may only provide a consumer report in accordance with the written instructions of the respective consumer. I want to make it clear that both the financial institution ( Furnisher of information to credit agencies ) and the consumer reporting agencies, Equifax and XXXX, lack my consent to furnish this information, and they certainly do not possess my written consent. Any form of consent, whether verbal, non-verbal, written, implied, or otherwise, granted to Equifax, XXXX, or the Furnisher of information to credit agencies is hereby revoked. 

Referring to 15 USC 6802 ( b ) ( c ), a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without explaining how the consumer can exercise the nondisclosure option. The Furnisher of information to credit agencies failed to inform me of my right to exercise this option. Furthermore, 15 USC 1681C ( a ) ( 5 ) explicitly prohibits a consumer reporting agency from including adverse information in a consumer report without authorization. This account, reported as an adverse item, is being presented without my permission, violating the law. 

According to 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ), a person must not furnish information to a consumer reporting agency if they know or have reasonable cause to believe the information is inaccurate. 15 U.S. Code 1681e mandates every consumer reporting agency to maintain reasonable procedures to prevent violations and restrict the furnishing of consumer reports to specific purposes. Equifax and XXXX are failing to uphold reasonable procedures. 

Additionally, 12 CFR 1016.7 affirms that a consumer has the right to opt out at any time. I am choosing to opt out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

After several disputes throughout the years, XXXX still insists on reporting inaccurate information to the credit bureaus. The title loan company took possession of the vehicle and resold it for a profit. Thereafter, the title loan company still insists on reporting negative information to my credit report. There is no judgement in this particular matter. Needless to say, this is something that initiated approximately 7 years and should not be on my credit report anyway.
Product: Credit card or prepaid card

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Credit Bureaus are reporting inaccurate information on JPMCB CARD. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022 and XX/XX/2022, in which I followed up on the public records status of bankruptcy, which is reporting inaccurately. In my letter, which is in accordance with the Fair Credit Reporting Act, section 609, I requested that you either remove the bankruptcy or send me ALL the following : 1. Method of Bankruptcy verification 2. Filing Date 3. Court name and person who provided the verification 4. Copy of the petition As of this date, the two responses, I have received, you have not validated nor provided me with any information requested, in the timely manner, therefore, in accordance with the FCRA, you are required by law to remove the reporting! I have also provided a copy of the letter provided from the Bankruptcy court themselves confirming that they do not furnish any information to any agency, of any kind. If any agency is to obtain that information, its at their own discretion, but it must in fact be true AND accurate.
Product: Debt collection

I recently started getting repeated calls from a debt collector regarding an outstanding balance of {$100.00} with XXXX. I have n't used XXXX in years and when I did, I paid my bill automatically. When I called XXXX, they could not tell me when I last had XXXX as my service provider. They said that the oldest records they have are from XX/XX/2013 and that the bill was from an earlier date. So they were unable to show me the bill. Also, is n't there a statute of limitations?
Product: Debt collection

Was recently served by XXXX XXXX XXXX group representing united resource systems. They violated the fdcpa by not sending me any inital letter to dispute account. I disputed the account from day one with the original creditor. Also when i noticed the account on my credit reports i disputed the account which was then removed from 2 of my reports due to failure to verify. Even then united resource systems did not send anything violating the fair credit reporting act. Also they are trying to collect after the statue of limitations.
Product: Mortgage

I paid off my loan with Round Point Mortgage on XXXX XXXX, to date I have not received the {$2700.00} left in my escrow account. I 've made multiple phone calls to Roundpoint Mortgage and Servicing, been left on hold for up to an hour until I finally had to hang up. I am told a different story each time I call. Was told first check was sent XXXX XXXX, then I was told it was issued on XXXX XXXX. I explained I have not received the check and was told a re-issue check was sent XXXX XXXX and yet I have n't received that check either. I filed a complaint with the CFPB on XXXX XXXX and received a letter from Roundpoint confirming that complaint. How is it that I can receive a letter from Roundpoint about the complaint I filed and yet I ca n't receive my escrow balance which is rightfully due to me????? I believe I am being lied to about them actually sending a check. Each time I get a rep on the line I ask for a manager or supervisor and for some reason, they do not want me to talk to one. I understand the time line for returning escrow balance is 20 days. It is over 60 days at this time and no escrow refund. PLEASE HAVE SOMEONE WITH KNOWLEDGE AT RPM call me regarding this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA and FTC ISSUES Unauthorized credit inquires - XX/XX/XXXX and XX/XX/2020 ... credit inquiries without my written approval - XX/XX/XXXX ... XXXX XXXX XXXX  XXXX   XXXX. Only authorized XXXX XXXX of XXXX, TX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX XXXX name XXXX, XXXX NEED TO REMOVE IN 14 TO 30 days THANK YOU XXXX XXXX