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

To Whom It May Concern XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXXXXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX VT XXXX TODAYS DATE : XX/XX/XXXX I HAVE MY ID ATTACHED To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX, VT XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX, PA XXXX Resident typeSingle family XXXX XXXX XXXX XXXX, VT XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX, VT XXXX Resident typeMultifamily XXXX XXXX XXXX XXXX XXXX, VT XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, VT XXXX - REPORTED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, VT XXXX - REPORTED XX/XX/XXXX XXXX XX/XX/XXXX THESE NAME VARIATIONS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXXXXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX VT XXXX
Product: Credit card

I have three transactions on my XXXX account. I have tried to dispute it and refund these transactions. I I do not agree with the transactions in XXXX is not allowing me to dispute any of these charges. Please help.
Product: Credit card

I have tried to take the proper protocols to get this account removed from attachment with me. Im a victim of identity theft and Barclays is trying to make me take responsibility of this account when I have provided proof that I didnt have anything to do with opening my this account or opening the bank account that made payments to this account. Im about liable for anything because I didnt gain anything from this account being opened. They are ignoring the fact that I provided proof of me not making payments against their claim of me paying on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding Unauthorized Inquiry on my report. It is now XXXX days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have XXXX days to reply back and they have not. I know that failure to respond is grounds for immediate removal. This company has reported fraudulent information on my consumer report without my written consent, anything without permissible purposes is considered identity theft. I demand that this company remove this fraudulent Inquiries from my consumer report and from there internal data base.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXXXXXX Balance : {$4100.00} XXXX XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The company is reporting a charge off XXXX XXXX XXXX unionbi just relieved from XXXX they saying its accurate when its not the charge off is reporting as income when it is illegal the XXXX  AND CFPB states that charge off are certificate of indebtness and also XXXX is violating my rights as reporting finances when finances are not to be reported and it should be removed immediately also violating my rights as too the inaccurate reporting causing stress and hardship continuously and also violates FCRA 1681 ( a ) and other federal regulated rules and laws CHARGE OFF ARE CONS8DERED CERTIFICATE OF INDEBTNESS AND THEREFORE ITS PUBLICATION 4681 thie erroneous Companies has violated the myself with that inaccurate Credit reporting also violates the FCRA AND PRIVACY ACT 1974 CHARGE OFF SHOULD NOT BE REPORTED ON CONSUMER RE P ORT AS MANDATED BY FEDERAL GOVERNMENT the company is XXXX XXXX XXXX federal and states laws
Product: Mortgage

This is a resubmission of a prior complaint ( XXXX ). The company provided a resolution and is refusing to implement that resolution. 

To whom it may concern : I purchased a residential property in XXXX XXXX, Texas in XX/XX/XXXX, at the height of the housing bubble for {$670000.00}. At that time, Rocket Mortgage attempted to use the purchase price to calculate the initial escrow deposit and payments. I had several conversations with their team about the legitimacy of this calculation, given the assessed value of the home was {$430000.00} and by Texas law, the taxable value of a homestead may not be increased by more than 10 % per year. They conceded, and agreed to reduce the escrow requirements to a more realistic level. I recently received an updated escrow disclosure statement dated XX/XX/XXXX, notifying me that the tax portion of my escrow account requirement was increasing from {$9800.00} in XXXX to {$14000.00} in XXXX an increase of more than 50 %. I find it difficult to believe that Rocket Mortgage is ignorant of Texas State law and therefore regard this as a predatory tactic. I called Rocket Mortgage XX/XX/XXXX to discuss the issue and was told there was nothing they could do. When I informed them that I would close the escrow account ( I own about 80 % equity in the home ) they notified me that the loan holder, XXXX XXXX, had a 12-month term requirement and that I could not close the account until XX/XX/XXXX. Under Texas law, the maximum taxable value of this property in XXXX would be ( {$430000.00} x 0.1 ) + {$430000.00} = {$470000.00}. This is nearly {$200000.00} less than the value being used to calculate XXXX escrow tax requirements. I believe the persistent, aggressive, and unrealistic nature of Rocket Mortgages escrow demands raise serious concerns about the use of those funds and the extent to which they are leveraging these accounts to benefit their business. I believe it also raises questions about their compliance with RESPA. Best Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

2 Companies have high 700 but Experian has XXXX wont give me a straight answer on why if they give companies information on credit and make these companies make decisions on this information it better be right
Product: Debt collection

Debt of {$1900.00} from discover from a credit card I did not open.
Product: Credit card or prepaid card

Hello. I received today XX/XX/2020 a Netspend card ending on XXXX that I have never requested. I called the company three times but to let me talk with a representative I have to give them the numbers of the card to force me to activate it. I want they to cancel this card. I think it is a scam. My name is XXXX XXXX
Product: Debt collection

My mortgage was one of the thousands of mortgages caught up In Countrywide Fraudlent Mortgage Practices '' The law firm working with Countrywide was Disbarred for his fraudlent practices. 
I have spent thousands if dollars defending my home and my Credit records. 
I have and also have paid several attornies who have also requested under RESPA- FDIC and other documentations Such as QWR from these companies who now claim they own this fraudulent mortgage. 
On XX/XX/2016 I mailed another request by certified mail # XXXX to all addresses listed for XXXX with only an acknowledgement letter from them stating that they have received my request but still no other response was received from them. 
Now they have listed a whopping {$760000.00} Balance on my Credit report with XXXX  and other reporting agencies. 
Which I have DISPUTED but it is still listed on my account XXXX have not sent me any proof from the company to justify them having it remaining on my Credit report. 
Please note also that this DISPUTED mortgage have been dismissed in the XXXX XXXX Court Once by the court and second by XXXX who withdrew their case after the court ordered us to go to mediation of which they stated ( at mediation ) that they showed up at the mediation only because they were ordered by the Judge XXXX, but have no intent of trying to work out anything. ( They did not act in good faith ) made me waist my money and time as I had to pay half of the mediationvfees along with attorney fees XXXXas well ) Then they filed the enclosed motion withdrawing their case. ( see enclosed ) Please have this company remove this false reporting from my Credit Report which is causing me GREAT HARM. 
Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 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 XXXXXXXX ACCOUNTS 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 an account without my written instructions.
Product: Debt collection

There is a debt on my credit report for the amount of XXXX dollars for a XXXX  XXXX credit card that was issued in XXXX. It is a fraudulent debt because I was XXXX  from XXXX til XXXX in a XXXX XXXX. Therefore I would not have been able to apply for or use any lines of credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, I received a copy of my credit report, and as of XX/XX/XXXX ACCT : XXXX is reporting as valid and active. Upon further research, I found that sensitive personal data had been breached. My anxiety consumed me with worry and this left me in very troubled state of mind ; especially on the count that I have never gone into a car dealership to apply for any auto loans or received any financing for a vehicle of any kind. Moreover, I currently do not own a vehicle at all. I contacted several dealerships and inquired about this issue at hand and the representatives informed me that, there is no way that a situation like this should have even occurred. Since confirmation of this fraudulent activity, I have tried my very best to get this removed and blocked from my credit report. With many failed attempts via phone and mailed in letters. After notifying the consumer reporting agencies ( EXPERIAN, XXXX and XXXX ) of this issue this item was not deleted from my consumer file during the 30-day investigation period. In which is not in compliance with 15 US CODE 168i ( a ) ( 1 ) ( a ). Then after the investigation was completed and allegedly verified without issuing proper written notice of resources used to verify said information to I, the consumer per 15 US CODE 1681i ( a ) ( 6 ). I have experienced a tremendous decrease in my credit score which has led to other hardships. It has been impossible to now get fair financing without extremely high interest rates for adequate vehicles and housing approvals for my family during the pandemic. My work schedule varies and child care facility not close to my current address and work finding reliable transportation has been troublesome. Not being able to get approved and obtain my own vehicle or safe housing, I have experienced severe emotional and mental anguish battling with this dispute for almost over two years. Following this incident my physician has prescribed me XXXX to manage with my stress and anxiety levels. With plenty financial distress to no avail this issue has still not been corrected by XXXX XXXX XXXX XXXX, EXPERIAN, XXXX and XXXX.
Product: Credit reporting

Please be advised for many years now I have been disputing XXXX and it keeps coming back verified! My issue is I want to know the first time I was ever delinquent to XXXX meaning the first time my bill was not paid on time which will be the first time delinquent. It is not reporting as it should because they are reporting this as a retail installment and should abide by the rules of the FCRA and report the time I was first late! If they did this it would be past 7 years and this would no longer be on my report!!! It would be way past the 7 year mark yet they are making this sound so recent!!!!! 


Account Details Last Reported XXXX XXXX, XXXX Creditor Name XXXX Account Type Utility Company Account Status Closed Opened Date XXXX XXXX, XXXX Closed Date -- Limit -- Term -- Monthly Payment {$530.00} Responsibility Individual Account. 
Balance {$530.00} Highest Balance {$530.00} Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment -- Amount Past Due {$530.00} Times XXXX/XXXX/XXXX Days Late XXXX Remarks Collection account Payment History Latest Status : Collection/Charge-Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX F M A M J J A XXXX O XXXX D XXXX Unknown CO Collection/Charge-Off XXXX XXXX Days Late
Product: Mortgage

I am livid of the way Wells Fargo is making it seem that I was aware of the final Balloon payment. In my contract is does not say I will be paying a balloon of {$39000.00}. It only indicates I will pay a balloon equal to the unpaid principal. However ; it does n't come is writing $ XXXX.The Agent that approved my loan was not honest, he never mention the me the final balloon that I will need to pay at the end. This is why Wells Fargo got sued in the pass because Wells Fargo was approving this type of loan. I am going to involve my Attorney General. For the fraudulent and deceptive practices committed.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX Or list of inquiries 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: Checking or savings account

A customer claimed an order, And paid using the XXXX XXXX system. The customer canceled they XXXX payment. The institution that processed the XXXX said that it was not their problem to call the bank,. They are the collection and issuing entity. After pressing for a resolution they have stopped responding.
Product: Credit reporting or other personal consumer reports

TransUnion XXXX credit reporting company refused to make very pessary adjustments showing on my credit report This account is REPORTING DEROGATORY ACCOUNT WHICH HAS AFFECTED MY CREDIT SOC RATEIN I CONTACTED CREDIT BUEAUS. Which has file on Going disputes XXXX xtimes who refused to make. Chances. RATES seen on my credit report XXXX NAME CREATED XXXX XXXX WHICH provide me XXXX a letter sending me a DIFFERENT lWhich shows NO LATE PAYMENTS how is being reported Delinquency on my credit report .Which ACCOUNT is. paid in full... also on time This account doesn't need DISPUTE. This account needs to make change on the Scores and the XXXX. 
For my personal records. due to this account wasn't never late account payments paid on time. And again. Credit Bureaus. REPORTS MAKES DECISIONS OF HOW these accounts are Graded not the companies
Product: Credit reporting, credit repair services, or other personal consumer reports

This student loan does not belong to me Im a XXXX so this is not my debt its saying the account was paid in full but I need it removed
Product: Credit reporting or other personal consumer reports

I filed a reinvestigation dispute request with Experian in XXXX of XXXX. Pertaining to an account that is listed on my consumer report by the name of XXXX XXXX. With the account number shown as being # XXXX. As you can see the " date last active '' that is being reported by Experian under this account shows XX/XX/XXXX. But XXXX is reporting that the " date last active was on XX/XX/XXXX. This is a major violation of my consumer rights under the Fair Credit Reporting Act and Experian is being non-complaint by not following metro 2 complaince standards. And I demand this entire account be deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters to the credit bureaus to updated my information and to remove incorrect information as well as inquires that were not authorized by me. 

The first attempt was on XX/XX/23 when I sent letters out to all bureaus with my drivers license showing my correct address which I have been at for several years and a copy of my utility bill with the same address. I received a letter stating that I would need to call in or dispute online and I was accused of using a third party. If I were to use a third party, that is my right but that was not the case in this situation. 

On XX/XX/23, I sent out another letter in response to the accusation of me using a third party and again asked for the incorrect information to be deleted. Once again my request was ignored and I received an email notification from Experian via email, again telling me to dispute online which will take away my consumer rights, and XXXX has also sent me a letter stating the same. Unfortunately, XXXX has not responded to any of my request to remove these incorrect items from my report. 

The only third party I used was an online mailing company for mailing out my letters.
Product: Credit reporting or other personal consumer reports

company XXXX XXXX This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau ( s ), the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ] that your claim is disputed and validation is requested. 
This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 
Please provide me with the following : o What the money you say I owe is for : o Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : o Provide a verification or copy of any judgment if applicable : o Identify the original creditor : o Prove the Statute of Limitations has not expired on this account : o Show me the you are licensed to collect in my state : o Provide me with your license numbers and Registered Agent or Agent of Service :
Product: Checking or savings account

I was appointed by Court as executor for the estate my brother who died on XX/XX/XXXX of XXXX. He had been ill with XXXX XXXX XXXX and progressively unable to care for himself in the years leading up to his death and we are now aware that fraudulent activity occurred in his financial matters as he was susceptible to home health caretakers and an acquaintance in his home who obtained access to his accounts. My brother had illegible handwriting for many months prior to his death. He had a checking account with Bank of America. After obtaining access to his records, I realized that bank account had a withdrawal of {$4300.00} the day prior to his death ( on XX/XX/XXXX ) leaving about {$14.00} left in the account. At that time, my brother was bedbound, unable to sign his name, write legibly, and barely able to speak. Later, as executor of his estate, I obtained the statement which shows the written check. The check is not written by him and the signature is forged. I have notified Bank of America of this fraudulent activity over the phone. After several contacts they finally gave me a " fraud department '' contact that I could only communicate with by letter XXXX Bank of America, XXXX, XXXX XXXX XXXX, XXXX TX XXXX ). I wrote them on XX/XX/XXXX of XXXX detailing this particular situation in detail and gave them letters of authority as executor of estate and other identifying information. I again notified them of the fraudulent activity in the letter and asked them to provide a copy of transactions, deposits, debits, and checks written on this account as well as his balances from XXXX of XXXX to present given there my concern for repeated fraud since others had obtained access to this account and I need to see what purchases were made. They have not responded to the letter or given any additional information to me.