23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This company is to hard to finance with. I have done everything they asked, they don't return calls but to ask for more and more to close a loan. They know my dad is hurt and going to XXXX and I gave them Loan Conditions on time and letters of understanding with there help. I ask them if I could close on XX/XX/2020 instead of the XX/XX/XXXX the answer was not going to happen we need releases. I was suppose to close on XX/XX/2020 but the lone organizer bailed so we had to change the date. I reminded them please keep in mind you made me and my dad a promise in front of sells, that you you keep the deadlines as along as we turned in everything and we did that. That was on XX/XX/2020 for XX/XX/XXXXclosing, now we are going into XXXX for closing we are a very disappointed and feeling overwhelmed! We gave up on other lenders for you guy 's and I showed that to the team and was asked to trust the process and told them on Friday XX/XX/XXXX that after Monday the XX/XX/XXXX if it is to much of a burden we walk. They called and asked for loan condition that Friday and to trust them to deliver, we compiled and now they want more after I asked to close early. Why? We are burned out paying month to month waiting for them to decide this is costing more money and wasting my time. The fact of this matter is we are being denied because of my fathers age, and XXXX and other possibility 's under discrimination act 's under the law.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CFR 313.7 opt out notice Per 5 USC 552a, 20 usc 1232 g and 34 CFR 99 XXXX XXXX 5 USC 552a 20 usc 1232 g 34 CFR 99 I want the remarks on the these account removed from my consumer report. Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Although a complaint has been issued previously, I have NOT received method of verification documents as requested from Transunion. They are reporting that I have late payments on the following account : XXXX XXXX which is inaccurate and they have not provided how they verified this information to be true. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 


Late payments in question : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Product: Debt collection

Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. 
Aside from verification of the debt, do not contact me about this debt. The Fair Debt Collection Practices Act, 15 USC Section 1692c requires that you honor this request. Your cooperation will be appreciated. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, GA XXXX XXXX : XXXX SSN : XXXX Date : XXXX 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 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 it, after any reinvestigation under paragraph ( 1 ) 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 shall- ( i ) 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 ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, TN XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, GA 30035-3008, - The personal information is incorrect - please remove this from my credit report immediately Accounts XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - This account is being reported inaccurately, please remove this from my credit report immediately 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 XXXXXX/XX/XXXX. - This inquiry was not authorized, please remove it from my credit report immediately
Product: Credit reporting or other personal consumer reports

I am absolutely appalled and deeply disturbed to formally highlight a series of appalling concerns regarding the recent XXXX data breach and its devastating impact on my personal and financial information. As you may be aware, XXXX has negligently allowed a significant data breach to occur, exposing the highly sensitive personal information of countless consumers, myself included. Additionally, I am actively involved in the ongoing class action lawsuit arising from this egregious breach.

Violation of My Consumer Rights My profound discontent and outrage arise from the despicable breach and subsequent illicit dissemination of my confidential information, including but not limited to my name, Social Security number, and other intimate particulars. This reprehensible act constitutes a blatant infringement upon my legal entitlements enshrined within the esteemed Fair Credit Reporting Act ( FCRA ), the Identity Theft and Assumption Deterrence Act, and various state statutes safeguarding consumer interests. The sanctity of these legislative provisions is paramount in shielding individuals against the malevolent exploitation of their personal data and in upholding the imperative mandate for credit reporting agencies to furnish precise and current information.

Particularly, according to the FCRA ( 15 U.S.C. 1681e ( b ) ), credit bureaus are obligated to guarantee the precision and entirety of the details they disclose, and to eradicate any erroneous information from consumer reports. The infringement has jeopardized my personal information to the peril of identity fraud, and consequently, I am demanding prompt measures to rectify the inaccuracies and transgressions on my credit record. 

Class Action Lawsuit and Impact on My Credit Report Being a victim of the class action lawsuit against XXXX and other accountable entities, I demand restitution for the harm inflicted by the breach and the infringement upon my consumer rights. Apart from the overarching privacy and security transgressions, I am deeply troubled by the falsified portrayal of details on my credit report stemming from deceitful or flawed actions that potentially arose as a result of the breach.

According to Section 605 of the FCRA ( 15 U.S.C. 1681c ), should any data on my credit report be determined as erroneous or inadequate, I possess the privilege to challenge it and petition for its elimination. Furthermore, the Fair and Accurate Credit Transactions Act ( FACTA ) grants consumers the ability to have any deceitful or inaccurate entries expunged from their credit report in the event that they have fallen prey to identity theft. 

Request for Removal of Accounts and Late Payments
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 XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX has violated my rights .

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

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681C. ( a ) ( 5 ) 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 more than seven years.

15 U.S.C. 1681S ( a ) ( 1 ) states that 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

the bankruptcy on my credit report for XXXX and Equifax is not mine
Product: Credit reporting or other personal consumer reports

I sent a letter out on XX/XX/, to Equifax and it was received on XXXX XXXX XXXX XXXX XXXX tracking number XXXX XXXX XXXX XXXX XXXX XXXX. I was advised that disputes were verified as true. This makes no sense because once again, In my original letter, I asked Equifax specifically to provide pictures, receipts, dates, times, and bona fide witnesses who can attest to these accounts being mine. I also provided an FTC report along with a police report. 

My rights have been violated under 15 U.S.C 1681 Section 604A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I have not given these accounts written permission to furnish these accounts on my reports as well. 

In my letter, I made it very clear which accounts were fraud and also marked them on the FTC report and provided my social security number, lease agreement and utility bills outlining my physical address. Equifax has continued to report the fraud address on my profile of XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX. I am demanding Equifax remove account : XXXX XXXX XXXX for {$11000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

{$6000.00} of balance from XXXX XXXX, which was a different bank at that time, has been on my credit report for 7 years. I have tried to remove them but has not been successful. I am not sure if this belongs to me. I would like this balance to be removed my credit history.
Product: Checking or savings account

My account was closed today for no reason given. I had over {$400.00} in the account and its for my rent which is due this Saturday! I am going to get an eviction notice due to them closing my account so sudden and without reason. The email said a check will be mailed 30 days from today but I HAVE RENT TO PAY THIS WEEK!
Product: Debt collection

To whom it may concern, I was was in an apartment at XXXX XXXX and it flooded and was asked to vacate the premises due to the repairs being made. I asked for a termination of the lease agreement with no penalties or fees. I was advised to sublease the unit. I was unable to sublease it as the unit was under repairs and could not be subleased. Due to the repairs I was not able to stay at the unit nor sublease. As such rent should not have been charged. Moreover, I incurred damages in the amount of {$5500.00} due to the flood in the apartment. The leasing office changed the renter 's insurance policy two weeks before the flood and failed to notify. The new policy did not cover any flood damages.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/year> Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of CAXXXX 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

INCORRECT ACCOUNT INFORMATION The accounts below are reporting incorrectly please investigate these : 1. XXXX XXXX  - XXXX # XXXX - {$610.00} - The account does not belong to me. 
2. XXXX XXXX XXXX - acc # XXXX {$950.00} - The account does not belong to me. 
3. XXXX - acc # XXXX - $ XXXX incorrect information - The account does not belong to me. 
4. XXXX XXXX -acc # XXXX incorrect information - The account does not belong to me INCORRECT CREDIT Information : I am disputing the following information that is incorrect : 1XXXX XXXX XXXX  incorrect information- never late 2. XXXX - incorrect information - never late
Product: Debt collection

Hi Midland Credit Management ; I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

I am filing a formal complaint regarding a violation of my consumer rights under various sections of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

According to 15 U.S.C. 602 ( a ), I am entitled to privacy, and 15 U.S.C. 604 ( a ) ( 2 ) specifies that a consumer reporting agency can not furnish an account without my written instructions. I demand that all methods of communication and collections on this account cease immediately. I request the immediate deletion of this account from my credit report as I do not recognize this account, have no knowledge of it, and have no prior contractual obligations with the company in question.

You have violated my rights under the following sections of the FDCPA : 1. 1692d : By engaging in conduct that harassed, oppressed, and abused me in connection with the collection of an alleged debt, including sending a collection letter containing veiled and empty threats of legal action.

2. 1692e : By using false, deceptive, or misleading representations in connection with the collection of a debt, including the following : * 1692e ( 2 ) ( A ) : False representation of the character, amount, or legal status of the debt in the collection letter.

* 1692e ( 5 ) : Threatening to take legal action that can not legally be taken or is not intended to be taken.

3. 1692g ( b ) : By engaging in collection activities that overshadowed or were inconsistent with the disclosure of my right to dispute the debt, as stated in the collection letter.

4. 1692f : By using unfair or unconscionable means to collect or attempt to collect the debt, as alleged in the misconduct detailed herein.
Product: Money transfer, virtual currency, or money service

Someone hacked my online banking app and made two transfers. One for {$200.00} and one for {$500.00}. The took it out and sent it through Zelle. My account is at XXXX XXXX XXXXXXXX. They used an XXXX XXXX to do which I don't own.
Product: Consumer Loan

I have an auto loan through ally financial in XX/XX/XXXX I became unemployed for a yr so I filed chapter XXXX bankruptcy, kept the car paid the note each month, for three yrs, the XXXX got dismissed not discharged XX/XX/XXXX, I spoke with numerous cs reps in the ally bankruptcy department all telling me that I 'd have to pay XXXX within 60 days after it 's dismissed so my car was worth what I owed so I figured I 'd just trade it in, so for two months I dealt with XXXX dealers. The only reason I pursued the new car was because it was cheaper than paying XXXX all up front, so I got a new car traded mine in 20 days later XXXX XXXX in XXXX oh asked for the car back. So I call ally again finally someone sent me to a person that said I only have to pay XXXX and restart my contract with same interest rate. Had someone told me this from the beginning I would have waited before trying to trade it in. So all the false statements I was given over two months, I now have XXXX hard inquires on my credit causing my score to drop XXXX points. So due to ally giving false info. and poor finance management my credit had to suffer even more. I find it unfair that these foreign customer service reps at these banks do n't know anything and do n't have the correct answers. It 's bs and the consumer suffers while trying to better their situation it 's unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second complaint ( the first one was on XX/XX/2021 ) now with the bureaus they lack on giving me proper investigation. I did my own with XXXX XXXX which is where the bureaus is getting their information from and XXXX XXXX removed the bankruptcy from my report XX/XX/2021 because they can't confirm the accuracy of the bankruptcy. I've also filed an FTC report because not only is the bankruptcy not mine there are addresses, inquiries and accounts that do not belong to me. This is my last attempt in getting these inaccurate items removed if everything that I've listed is not deleted ASAP I am moving forward with legal action against all of the bureaus for not only reporting inaccurate information but not conducting a fair and proper investigation. Now there is a new account in collections that isn't mine along with inquiries. They still never even placed any fraud alert! 

First complaint ID with Transunion XXXX First complaint ID with XXXX XXXX First complaint ID with XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes! 

I submitted ( 2 ) letters to ALL THREE credit bureaus on XX/XX/XXXX. One letter was to validate ( 3 ) accounts and the other letter was to validate the late payments for my ( 6 ) student loans accounts.

I only heard back from Experian for the ( 6 ) student loan accounts.

I then submitted a NO RESPONSE letter for the other ( 6 ) student loan accounts for the other ( 2 ) credit bureaus and for the ( 3 ) accounts for all credit bureaus because I didn't get a response. This was done on XX/XX/XXXX. To be safe, I sent the SAME set of the above letters on XX/XX/XXXX. 

I haven't heard back from the bureaus for any of this!!! 

I called up to the credit bureaus and Experian and XXXX  BOTH conveniently stated that they only received

one letter. ONE LETTER!! Of ALL the letters I've sent, they only received ONE LETTER! I just don't believe that. And XXXX  didn't even investigate the late payments ... they investigated the balance!! Thats not what I asked!! 

I can clearly see that this information on my credit report is reporting INACCURATELY and on top of that, no investigation has been done after numerous attempts. 

THIS IS A VIOLATION OF MY RIGHTS!!! I demand an investigation and deletion of this inaccurate information!! 

Thank you!
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding an unauthorized hard inquiry on my credit report. The inquiry is dated XX/XX/year> and is listed under the name XXXX XXXX. 

Upon contacting XXXX XXXX, I was informed that they are a credit reporting agency that provides consumer data to businesses and financial institutions. XXXX further stated that the inquiry was made on behalf of a company named XXXX XXXX XXXX XXXX XXXX. 

I have never conducted business with or authorized any credit inquiry by XXXX XXXX XXXXXXXX XXXX XXXX, nor am I familiar with this company. This unauthorized inquiry has negatively impacted my XXXX XXXX and personal finances. 

I have already contacted XXXX XXXX and requested information about this inquiry. However, the issue remains unresolved.
Product: Credit card or prepaid card

I received a letter from Chase asking me to settle a charged-off and time barred credit card debt by making a payment of less than the original balance. The letter stated that once I made the requested payment they " will reduce the remaining unpaid balance to XXXX  and notify the credit reporting agencies that the account has been paid for less than the full balance ''. I contacted them by phone and they confirmed multiple times that paying the amount requested in the settlement would reduce the outstanding balance on the account to XXXX. I also specifically asked if they would provide me with a XXXX  balance letter and they said they would. After I made the payment and received confirmation from Chase that they considered the account settled I discovered that they had reported the settlement to the credit bureaus as a payment and fraudulently reaged the original balance ( minus the amount paid ). I also contacted Chase to request a XXXX  balance letter and, after multiple transfers and extended holds, was told there was still a balance on the account.