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

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

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

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

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Delete this account. 

6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Delete this account. 
7. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


9. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Checking or savings account

Our address changed from XXXX to XXXX XXXX at the end of XX/XX/2018. We have spoken with Customer Service reps at XXXX XXXX in XXXX in XXXX, XXXX, XXXX, XXXX, XX/XX/2018 but they continue to send statements to the wrong address in XXXX. Takes 3 days to get to XXXX and another 5 days to be forwarded to us in XXXX ... and this is the final month USPS will forward the mail. 

Appears XXXX XXXX WILL NOT change the address correctly. On Thursday, XX/XX/2018 they guranateed they'd send an overnight new statement to the correct address in XXXX. XXXX  records indicate they sent it overnight, but AGAIN, to XXXX. 

Spoke with them again today and they are at a loss for words ... 

We're now asking for our deposit ( up to date interest included ) be remitted to us forthwith without penalty as XXXX XXXX has demonstrated they are unreliable.
Product: Debt collection

I went to XXXX XXXX XXXX store for a hotspot. The agent told me 3 times my services would be {$12.00} a month. I asked her 3 times, are you sure? Her response was yes. Another agent looked at me, rolled her eyes and walked away. I did not receive a copy of any kind of contract at the store. 
My first bill was over {$400.00}. When I called, emailed, texted I was never able to get the same answer. 
I returned the hotspot by XXXX, and I have receipt. 
I spent hours on the phone and was transferred too many times, but I hung on the phone for about two hours. And never got a response.
Product: Payday loan, title loan, or personal loan

Power Finance Texas seems to call my phone occasionally and leave voicemails. All I hear on the voicemail is this is " Power Finance texas resolution department XXXX '' Please call our resolutions department to discuss your account. I do not have any account 's with Power Finance Texas. Not sure why they are calling me. This account was opened due to identity theft, I did not receive any loan proceeds. The Employer this company has is invalid. That's not my employer. The company also attempted to charge a debit card that was closed also due to fraud. I do not have the email they have on file " XXXX '' This email was hacked as a result of identity theft. XXXX has been notified, and this email was found in a breach on the dark web per my identity alerts. I do not accept responsibility for a loan I did not apply for, I did not sign for, and I did not approve or receive. I should not be responsible for something I didn't receive. I do not know who received it. I will not be answering calls from anyone I do not know, and I will not validate any information with this company as I am not responsible for this account. I did not approve the application, I did not apply and I did not sign anything.
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 XXXX Credit Bureaus 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 the XXXX Credit Bureaus has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Remove this account completely from my credit report : SYNCB/XXXX XXXX Opened XX/XX/XXXX ; SYNCB/XXXX XXXX Opened XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I forwarded a letter to the 3 Credit Bureaus dated XX/XX/2022 to erase this suspicious information. I think you have not validated this account in agreement with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # 's XXXX ; XXXX ; XXXX, and I'm including it again. 
XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXXDispute of Late Payment on Closed AccountI am writing to dispute the late payment reported on my credit report for the following Account NameXXXX  Account Number_ XXXX Original Creditor_ XXXX Date of Alleged Late Payment_ XX/XX/year> This account was closed and paid in full on XX/XX/year>. I request that you remove the late payment from my credit report, as it is no longer accurate or relevant. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, I dispute this information as outdated and inaccurate. The account has been paid and closed, and the late payment is no longer a reflection of my current creditworthiness.I have attached documentation supporting my claim, including_- Proof of payment and account closure- Copy of credit report highlighting disputed informationPlease investigate and correct this error within the timeframe required by law. I request a revised credit report with the late payment removed.Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

Sirs-I am a XXXX here in Arizona and understood that under the new regulations you in part promulgated that we are not allowed to give discounts to our fees for any mortgages we originate. The reason I say this is that as you can see from the attached Wells Fargo, our competitor, is doing just that with the XXXX XXXX XXXX. If this is allowed then are we allowed o do the same to groups such as these? I have heard as well of other companies doing this for emergency first responders, teachers, etc., ( I can furnish names of these companies is need be ). We would like to do the same. Please advise.
Product: Credit reporting 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. 


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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I responded to a social media ad about an apartment by texting the number in the ad. I told them I was interested in the unit and they sent me a jotform application that I filled out and paid a {$50.00} application fee via Venmo to an account belonging to XXXX XXXX XXXX. 

I was then sent a letter via text message that XXXX XXXX XXXX approved me for the unit. 

I was then asked to send a security deposit and first month 's rent to keep the unit til I could view it the next day. This was {$1400.00} as the rent was XXXX as was the deposit. I was told the money was completely refundable if I didn't like the unit. 

I sent the money via Venmo to a XXXX XXXX XXXXXXXX XXXX account. I was supposed to view the unit on XX/XX/XXXX. 

As I was new to the town where the unit was, I began looking online about the area around the complex. That was when I discovered that the complex was in fact owned by XXXX XXXX XXXX. The same unit was being advertised on multiple social media sites and groups, all with different phone numbers using the same photos. 

I then texted the number I had been dealing with stating that I wanted my money back and was no longer interested in the apartment. I was told that I had to wait until the morning before my refund could be processed. 

On the morning of XX/XX/XXXX, I was then told that I had to pay a cancellation fee of {$200.00} to get the money back. I was ok with this and told then to subtract it from the money I had already given and they then said that it had to be paid separately and there was no other way to receive my money back. 

I initially disputed the charges with my bank ( XXXX ) on XX/XX/XXXX. I paid this money via my debit card so I had to wait for the charges to post. My bank said they couldn't help me due to the charges being through Venmo. 

I then called Venmo on XX/XX/XXXX. I was told the case was being referred to an account specialist and that I would hear from them via my email associated with my Venmo account. On XX/XX/XXXX I filed a police report with my local police via the self report portal on their website. 

On XX/XX/XXXX, the account specialist emailed me back stating that they could not help me and I had to deal with the individual. I attempted to request the money back via the same Venmo account I had sent the money to, but the app said I was unable to do so. 

Also on XX/XX/XXXX the individual reached out to me pretending to be someone else with the clearly nonexistent XXXX XXXX XXXX stating that the {$200.00} cancellation fee was to " authorize '' the refund. I declined to do this since it was obviously another scam. 

I have screenshots of all transactions and messages received by this individual. Neither Venmo or my bank has asked for them as part of their " investigation ''. 

Since I have tried all other avenues to attempt to recoup these funds acquired via deception, I am writing to the CFPB because I believe that this transaction is covered by Regulation E of the Electronic Fund Transfers Act and the money should be refunded to me. 

Thank you
Product: Mortgage

I am an elderly lady and was reaching out for help in XXXX, used a friend who was licensed loan XXXX and put a DSCR business loan on my personal residence and now they are trying to foreclose and take my house away. I did not know what was being done since I was trusted her with my financial situation. 

I was told I could make {$3000.00} per month payment but the statement was showing me as behind every month, when I called I was told I was okay and to keep making the payments I was making. Now XXXX years later I am being threaten with losing my home to pay the debt they wrongfully put me in. There is a name on the mortgage statement that is not mine and I don't even know who this XXXX XXXX is. 

I am elderly and have no family available to help me, I have lived in the XXXX since XXXX and don't want to lose my home I have lived in for XXXX year. since coming to the XXXX. 

please I need help to fight what was done to me. 

see attached statements and supporting documents, provided.
Product: Credit reporting or other personal consumer reports

I have sent dispute requests to Equifax regarding the following accounts numbers : XXXX / XXXX. I have sent dispute requests to XXXX regarding the following account numbers : XXXX XXXX. I have sent dispute requests to XXXX regarding the following account numbers : XXXX / XXXX. The dates of these disputes are as follows : XX/XX/year>, XX/XX/year> and XX/XX/year>. Despite all of these letters sent to these three bureaus, there has been no dispute language on my credit report. There have also been no investigation results sent to me. It is very clear that my case has not been looked into whatsoever by any of these bureaus.
Product: Student loan

XXXX XXXX was part of the XXXX XXXX XXXX lawsuit that was approved for student loan dismissal. All federal loans with XXXX were dismissed as part of the borrowers defense. Private loans still have a balance since XXXX. XXXX was the lender at the time and they said my application was not approved for private loans. The private loan money they gave went to the school that was found guilty of misconduct and dismissed and so therefore I should not owe the balance. I borrowed {$18000.00} i have already paid {$21000.00} and they show a balance of {$78000.00}. I want these loans closed and XXXX balance as part of the borrowers defense that was approved. Application was sent to XXXX. XXXX transferred my loans to Mohela in XX/XX/XXXX. If there is an application for Mohela send to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX Experian XXXX I go by XXXX XXXX and not XXXX XXXX that is the first inaccurate information that I am disputing. So every inaccurate account listed under that name isnt mine my name is spelled XXXX XXXX. I am unaware of the accounts and inquiries. Last time I purchased anything it was for cash. I have never used my credit and dont ever plan on it. My report is clear. None of the accounts or inquiries are mine these are errors youre reporting. I am in total distress due to the my credit report. I have sent certified letters, including faxed letters on several occasions. You have removed some of the inaccurate accounts but not all. I have attached a letter with the inaccurate accounts that you are reporting and didnt not remove. My credit report should be clear on any inaccurate information you are reporting because its a violation to place items on my credit report that doesnt belong to me. If you dont comply within the time frame of our appearance in XXXX XXXX County Courthouse you will be summon and I will take further actions on making this a serious legal matter if you continue to report any other error on my report. I am working with an investigator to make sure we find out who is placing the inaccurate accounts on my report. I have been told in the past that these credit bureau are purposely leaking information to cause severe breaches so that you can make an income. I advise you that you remove every single inaccurate account from my credit report. I havent checked my credit report since XXXX so therefore I shouldnt have any foolishness on my credit report.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXXXXXX XXXX XXXX XXXX Balance : {$11000.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$59000.00}
Product: Credit reporting or other personal consumer reports

I found an item on my credit file from FAMILY SUPPORT XXXX XXXX XXXX  # XXXX feel it is best to release/delete reporting this disputed information at once I will have no choice but to commence the unpleasantness of a Sections XXXX ( Notice of Error ) under Regulation X ( CFPB regulation ) that confirms my private right of action directly against your firm for FAILING to respond and CONTINUING to report disputed information after direct notice of said dispute was provided. You have 5 days to comply and provide a written notice of the suspension of this item pending the resolution of the investigation action or face litigation. Here now and forever annul all account records of derogatory, adversary, or elsewise deficient proof of full reporting compliance ( be it FCPB, FCRA, FDCPA, Metro 2 Compliance, or else whether mentioned or not ) claims or aspects of claims associated. There is missing information and details that are requirements for any data furnisher and they have not been met to the standard and this is causing me a financial hardship.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. I need the following accounts to be updated from my file right away XXXX  XXXX XXXX Balance Owed : {$55.00} XXXX XXXX XXXX  Balance Owed : {$960.00XXXX XXXX XXXX XXXX Balance Owed : {$410.00} XXXX XXXX Balance Owed : {$2900.00} XXXX XXXX XXXX XXXX Balance Owed : {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two medical collection accounts on my credit report that are showing the exact same amount from the exact same collections company. The accounts were opened on two different dates and has been disputed as a duplicate. The reporter and credit bureaus keep responding with verified sometimes in less than 24 hours. This should be one item on the report. 

Credit Bureaus : Experian Collection Company : XXXX XXXX XXXX Balance : {$1200.00} Dispute Dates : XX/XX/20 XX/XX/20
Product: Debt collection

I contacted this company so many, many, many times and all they do just providing me with statements. Not only they didn't provide me with a proper debt validation, but they also as I found out filed a lawsuit against me, but failed to serve me. They ( according to their record ) served my sister. I dont have a sister and I didn't live at the address they allegedly served me. Its a Court Fraud .It is a violation of FDCPA and FCRA. 
they never provided me with " debt purchase contract '' or " debt assignment contract " .Its a robbery.
Product: Mortgage

The servicing company has scheduled a disbursement from my escrow account to pay real estate taxes which is significantly greater than the amount due. I've tried twice to contact the escrow servicing area to request that the scheduled amount be reduced to the invoiced amount. They have been totally non responsive.
Product: Checking or savings account

Bank sent a new card to some address in Florida and someone empty my account. My next four SSI checks were deposited with Directexpress have not had any money returned to me. Currently out over XXXX $
Product: Mortgage

We would like to reopen CFPB complaint case XXXX because the representative for mortgage holder XXXX XXXX XXXX : Bayview Loan Service 's response of XXXX XXXX, XXXX XXXX see attachment ) to the original complaint was a lie : ( 1 ) Their representative, XXXX XXXX XXXX XXXX informed us in XXXX of XXXX our title was clear, and that there would be no further issues regarding our permanent modification. 
( 2 ) He wrote in his response to you, which we received a copy of : " Once XXXX XXXX completes the final trial period payment [ which he did XXXX, XXXX XXXX will be mailed a loan modification agreement containing the loan modification terms detailed in the TPP notice as mailed on XXXX XXXX. '' ( see attachment ) ( 3 ) However, we just received an outstanding lien notification from Bayview dated XXXX XXXX ( see attachment ), stating there are XXXX liens in " Exhibit A '' ( see attachment ), and if not satisfied, the loan will be submitted to " modification denial review '' or foreclosure. This was sent after the time period in which our case with the Consumer Financial Protection Bureau was closed, on purpose no doubt. While we have fulfilled all terms of the trial agreement in a timely fashion, Bayview has not fulfilled theirs. No modification paperwork has ever been received. 
XXXX 4 ) Of the XXXX liens submitted to us as " Exhibit A '', XXXX are obviously bogus ( see attachment ) : & gt ; XXXX are from the State XXXX which date to a time when we resided in XXXX State and did not own this property. XXXX dates to XXXX while the other to XXXX. We purchased this property in XXXX. 
& gt ; XXXX are liens on a XXXX XXXX XXXX and a XXXX XXXX XXXX. My name is XXXX XXXX XXXX. Additionally, we do not recognize these XXXX so-called liens as being legitimate in any shape or form. 
XXXX XXXX XXXX XXXX of Bayview lied about our title being clear in the first place, and further, piled bogus liens onto our title. They have a history of playing tricks like this, and apparently are doing the same to us. This link leads to XXXX, XXXXstar reviews of Bayview Loan Services on Consumer Affairs XXXX Those reviews indicate a history of trick-playing stunts like the XXXX Bayview is currently trying to play with us. 
As supporting documentation, I have attached the following : ( 1 ) Bayview Loan Servicing , LLC 's original response to our original complaint, dated XXXX XXXX, XXXX. 
( 2 XXXX Bayview Loan Servicing , LLC 's original proposed modification terms, dated XXXX XXXX, XXXX. 
( 3 XXXX Receipts indicating I fulfilled the modification term requirements, dated, XXXX XXXX, XXXX, XXXX XXXX, XXXX, and XXXX XXXX, XXXX, respectively. 
( 4 ) The most recent communication from Bayview Loan Servicing , LLC, which now states there are liens on the property, XXXX of which are definitely fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX  Reference # XXXX, XXXX XXXX XXXX account XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had Four late payments on my XXXX XXXX account Dated XXXX with the account number XXXX that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for my XXXX XXXX account. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand that these payments be updated to on time as they should be, as I was never late. Thanks.