23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Triad ( XXXX XXXX ) is trying to get us to pay the Dealership for our single wide more than the home 's price. We bought the lot model instead of the home we ordered. The balance owed changed from {$100000.00} to {$82000.00}. They are also trying to make us pay the dealership for the home before the water damages ( We reported these issues to the dealership, the manufacturer and the bank in XX/XX/2022 ) and black mold are addressed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX Balance : {$1000.00} ( Original Creditor : ) XXXX Balance : {$590.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/2023
Product: Bank account or service

My mother, XXXX XXXX XXXX, purchased a Certificate of Deposit in the amount of {$8000.00} from XXXX on XXXX XXXX, XXXX. She kept a lock box on her dining room table with all important documents. She passed away XXXX XXXX, XXXX. My only sibling and I decided to let this CD continue to mature. He and I agreed that I should remain custody of our mothers personal matters. He was a homicide victim in XXXX XXXX. He left no heirs. I have known where this CD has been kept since her death. I decided in XXXX to negotiate the CD as it is now 29 years old. I went to Wells Fargo ( who merged with XXXX XXXX in XXXX ) and presented the original CD and was referred to a banker who after seeing the item referred me to a different banker to help me. My mother left no will, so the bank sent me to obtain a " Affidavit for Collection of Personal Property '' I filled out the paperwork, had my signature notarized and returned to the bank. I was then informed that this issue would be " escalated '' to the branch manager. The bank made photocopies of all my paperwork and asked me to give them some time to " investigate ''. When speaking with the bank manager, XXXX XXXX, she agreed with me that the certificate is the original, I then pointed out to her several " highlights '' of this particular CD. ( at the top, it states " continuous-no renewal necessary '' and near the center of the document it states " upon presentation and surrender of this certificate ) ... please see the attached copy of the document ). I returned to Wells Fargo located at XXXX XXXX XXXX XXXX yesterday ( XXXX ) and made contact with the bank manager who told me that even though she had " escalated '' my case, the entity who she sent my case to has declined to negotiate this CD. I sincerely believe that my mother would have surrendered this CD, IF she had wished to negotiate this document. Wells Fargo is unable to offer proof of when they cashed this CD. XXXX XXXX ( before she sent a copy of the document to whoever could assist her in this matter ) agreed with me as I pointed out the phrase " upon surrender of this certificate properly endorsed '' clearly stated on the document that I was attempting to " surrender '' it. My belief is that this document : a ) has never been cashed ; no entity would " take someone 's word ( my Mom 's ) that they had not cashed it and give my mother the value of the CD plus any interest it would have earned, b ) was never lost by either my mother or myself. 
I feel that Wells Fargo should negotiate this CD ( face amount PLUS any and all interest earned for 29 years and 1 month ). 

Sincerely, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX AZ XXXX ( XXXX ) XXXX XXXX ( cell )
Product: Credit reporting or other personal consumer reports

My rights under the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws have been violated, and it has caused significant harm to me. Let me explain the details : Willful Noncompliance ( FCRA Section 616, 15 U.S. Code 1681n ) : You reported credit information about me without verifying its accuracy firsthand. This willful noncompliance is a serious issue, and Im entitled to seek damages of up to {$1000.00} for each violation.

Failure to Disclose Opt-Out Rights ( FCRA Section 603 ( d ) ( 2 ) ( A ) ) : You failed to inform me of my right to opt out of sharing my personal information. This lack of disclosure is deceptive and violates my consumer rights.

Inaccurate and Misleading Reporting ( FCRA Section 623 ( a ) ( XXXX ) ) : Accounts and inquiries like XXXX, XXXX XXXX, and XXXX XXXX XXXX were reported inaccurately and without proper validation. This is unacceptable and does not comply with Generally Accepted Accounting Principles ( GAAP ). 
Violations of the Debt Collection Practices Act ( 15 U.S. Code 1692 ) : By reporting inaccurate debts without my consent, you engaged in unfair and harassing practices. These actions caused me unnecessary distress and unwanted contact from creditors.

Improper Disclosure of Debt Information ( 15 U.S. Code 1692b ) : Debt collectors shared my personal information with third-party agencies, wrongfully stating that I owed debts. This is a direct violation of the rules prohibiting such disclosures.

Deceptive Late Payment Reporting : You listed " late payments '' on my credit report without properly defining what constitutes a late payment. This misinformation is damaging to my credit reputation.

Failure to Accurately Determine Finance Charges : You failed to calculate finance charges accurately, which is your responsibility as a credit reporting agency.

Reporting Without Consent ( FCRA Section 604 ) : You reported information on my credit file without obtaining my written consent, violating the permissible purpose requirements under the law.

These violations have damaged my credit profile, caused me undue emotional and financial stress, and undermined my trust in the credit reporting process. To resolve this matter fairly, I demand the following : Immediate deletion of the unauthorized and inaccurate accounts, including : XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) Proper validation of any remaining accounts. 

Assurance that these violations will not occur again in the future. 

If these issues are not addressed promptly, I will pursue the legal remedies available to me under the Fair Credit Reporting Act and other relevant laws. I trust youll take this matter seriously and resolve it immediately.
Product: Credit reporting or other personal consumer reports

I looked at my report and discovered the XXXX said accounts XXXX  XXXX # XXXX, XXXX  # XXXX XXXX XXXX XXXX # XXXX all accounts were unauthorized and not properly investigated therefore should be removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

There is inaccurate information on my consumer report, the account starting in XXXX has been charged off according to the IRS amounts over {$600.00} have to be filed as income with a 1099c, regardless if you guys issue a 1099- cor not. Consumer has to report charged off amount as income and income doesn't get reported on a consumer report, how is this being reported as a debt? please delete this off my report as well as the balance is inaccurate, account has been reported 120 days late twice this is inaccurate according to 15 U.S. Code 1681e ( b ) accuracy of report ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. IF NOW THE STATUS HAS CHANGED WHAT YOU ARE REPORTING IS INACCURATE HOW ARE YOU MAINTAINING MAXIMUM ACCURACY WITH A INCORRECT ITEM PLEASE DELETE IT
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a request to XXXX and Transunion to removed erronous credit error on my report. I subitted supporting documents on XX/XX/2022. As of this date the problem still exists and it took over thirty days to eespond which menas it was the the 30 days period from their investigation. Therefore, It must removed the error from my credit report. I received and have in my possession a notary document stated that this account was in error and that the vehicle in question was recalled by the manufacture. I submitted proof to XXXX XXXX Transunion back in XX/XX/2022 and 60 days later it still shows as an updated file. They have not done anything to my account even though I submitted proof that XXXX XXXX screwed up. According to California law, the vehicle XXXX purchase was in fact a lemon by California standards, plus the Manufacture admitted that it recall the vehicle and didnt have the parts to fix the vehicle as of XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute several accounts listed on my credit report that were opened fraudulently and without my permission. These accounts were reported to the credit reporting agencies without my written consent, which I believe violates Section 623 ( a ) ( 1 ) ( C ) of the Fair Credit Reporting Act ( FCRA ). Furthermore, the original furnisher of the information did not provide written consent for these accounts to be opened, which I believe violates Section 623 ( a ) ( 2 ) of the FCRA. 

The accounts in question are as follows : XXXX, {$280.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX. i was shot robbed then placed in jail while these was open I am requesting that you immediately remove these accounts from my credit report. I am eager to resolve this matter, and I appreciate your attention to this issue. Please let me know the necessary steps I need to take to achieve resolution. 

Sincerely, [ XXXX XXXX ]
Product: Student loan

I sent a letter for a standing payment instruction, which stated that any amount paid greater than the amount due should be applied to the principal. I sent the letter on XX/XX/2019 to : XXXX XXXX Pennsylvania Higher Education Assistance Agency The Office of Consumer Advocacy XXXX XXXX XXXX XXXX XXXX, PA XXXX Re : Account Number XXXX The letter was sent with signature required and was received on XX/XX/2019 at XXXX to the Front Desk/Reception/Mailroom. I have not seen a change in for a greater amount paid to be applied towards principle.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, On XX/XX/2018, I received a phone call while outside the company on a vacation with my family. The caller stated that he was calling from American Express and stated that we were referred to him by an individual to offer us business credit card for our business use. I was initially hesitant but agreed to proceed only if the card credit decision will be based solely on the business credit report. This was made very clear then I am asked for my social security number. I refused to give him my social security number and made it absolutely clear that I wouldn't continue when he asked for my SSN. 

I informed him that I don't want my credit to be used neither do I want to be personally linked to the credit decision. I informed him that I will not continue with process if my credit will be checked. He assured me that he can use only the business credit and then proceeded to ask for the business federal tax ID. I obliged and gave him the business information. I NEVER AGREED TO HAVE MY PERSONAL CREDIT CHECKED, INFACT, I REFUSED THAT REQUEST. To my surprise, I received a letter from American Express addressed personally to me stating that I was denied credit card because of my credit report. What! I called American Express and all they can say is that they will remove the point from my credit report. 

I am beyond furious for the invasion of privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete 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 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 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
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I requested documents from this company with my original signature on a contract. Also this company is not licensed in my state ( Florida ), to collect on any contract. This violates my HIPPA law. I have never agreed to do any business with this company.
Product: Credit reporting or other personal consumer reports

I am concerned about the information being reported about me on my report. I do not know what is correct anymore and need this inaccurate account off my r
Product: Debt collection

This account is reflecting on my credit report and is a result of my identity being compromised and used in multiple data breaches. It is also a violation of my XXXX privacy and the reporting agency has violated my rights per the consumer credit/finance laws.
Product: Credit reporting or other personal consumer reports

ZCould you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Product: Credit reporting or other personal consumer reports

Im writing you today about a grave issue. My privacy rights are being invaded. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

For the record, Im the one whos initiating the disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. According to FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

In your previous correspondence you mentioned that my identity theft report needed to be filed with a law enforcement agency which subjects to criminal prosecution. One of these agencies is the Federal Trade Commission ( FTC ). FYI the report I was filed online WITH THE FTC which by your representation IS A law enforcement agency. My FTC Report # is XXXX. I dont think you have reviewed the documents submitted & are sending me frivolous boiler plate responses to deflect from your responsibility to comply with FCRA laws. Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 


XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America is reporting a negative account on my credit report that I know nothing of..I did not authorize that to be on my report. I asked Bank of America to validate the account by providing me with my signature on the original application. They never provide me with any such thing. They send me a letter saying that " there is no account So there is nothing to validate... If there are saying there no such account that mean they are illegal reporting inaccurate information on my credit profile. I want the account XXXX to be removed from my credit report profile immediately.
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 XXXXXXXX and 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: Credit reporting, credit repair services, or other personal consumer reports

I tried several times to get Trans Union to correct my credit report. The same information has been on my credit report for over seven years. When I tried to get the free annual report the request was rejected, I could not get to speak to a customer service person. Moreover, I can not get to compare the information Trans Union has on my report with the information provided by XXXX and XXXX. 

Arguably, the data on the Trans Union report dates back to 2007. The score of XXXX has been on the account since then. Although, information more than seven years old should be removed. I am yet to see changes to the trans union report. Therefore, I am asking for a review of my trans union credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting this CFPB complaint requesting that they remove the disputed fraudulent accounts and information completely from my Credit report. This complaint is my 6th CFPB Complaint informing the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ), the Credit Reporting Agencies are required to remove any account and information which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$490.00} 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 Balance Owed : {$490.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance Owed : {$960.00} XXXX XXXX XXXX Balance Owed : {$2100.00} XXXX, XXXX XXXX Balance Owed : {$4500.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

My son rented an apartment at XXXX XXXX in XXXX XXXX, Texas as he moved in with 3 other friends, he noticed a broken microwave. 

When he moved out, he was charged XXXX XXXX  for the broken microwave. 
we sent photgraphic evidence of the broken microwave, despite the evidence, they raised a debt and sent it to collection agency ( National Credit Systems , Inc ) they are falsely trying to get XXXX dollars which we do not owe them. 

The microwave in XXXX XXXX XXXX XXXX apartment was already broken and they falsely trying to charge the amount. 

National Credit system which is a collection agency, is also harrasing, despite giving the proof of the broken microwave before move-in date. 

they also have not been communicating and have included it in credit bureas XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection companies are changing dates of original date of debt. I contacted collection agencies and receive no response. I contacted Equifax and they tell me I have to prove it. Yet Equifax has had it on my credit for numerous years. For example : XXXX XXXX shows {$240.00} this year - the debt from XXXX was acquired in 2006. This shows up on all credit bureaus. XXXX XXXX shows I owe them, I went to court, the debt was dismissed IN COURT because I turned over my home to XXXX XXXX, Equifax will not remove from my credit, even after I mailed then proof of the court document. I have four credit cards - all in good standing - why does n't Equifax reflect that in my account or score? Also, their credit score is XXXX points less than the other credit reporting agencies with the same information, why?