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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX  according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 
XXXX XXXX XXXX bal. {$10000.00} XXXX bal. {$0.00} XXXX bal. {$0.00} XXXX bal. {$0.00} XXXX bal . {$140.00} XXXX bal. {$500.00} XXXX bal. {$3300.00} XXXX XXXX  bal. {$410.00} XXXXXXXX XXXX bal. {$970.00} XXXX XXXX bal. {$650.00} XXXX XXXX XXXX bal . {$650.00} XXXX bal. {$150.00} XXXX bal. {$0.00} XXXX bal. {$0.00}
Product: Credit reporting or other personal consumer reports

I looked over again my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Subject : Dispute of Inaccurate Reporting of My Information - Violation of Fair Credit Reporting Act To Whom It May Concern, I am writing this letter to formally dispute the accuracy of the information being reported by your agency regarding my credit history, specifically with regard to XXXX XXXX XXXX XXXX, as it pertains to Account number : XXXX and Account number : XXXX. It has come to my attention that you have been reporting information related to these accounts without my consent, and I believe that this action directly violates the Fair Credit Reporting Act ( FCRA ). 

The FCRA, under 15 USC 1681b, clearly outlines the permissible purposes for which consumer reporting agencies may furnish credit information. It is my firm belief that your actions in reporting my information without my consent are in direct violation of this statute.

Moreover, I wish to bring to your attention several other sections of the FCRA that have been violated by your agency 's actions. According to 15 USC 1681 SECTION 602, I have the right to privacy concerning my credit information, and your actions have compromised this fundamental right. 

Furthermore, 15 USC 1681 SECTION 604 A SECTION 2 explicitly states that a consumer reporting agency can not furnish information about an account without the consumer 's written instruction. I have never provided such instruction for the accounts in question, and yet you have reported them without my consent. 

Additionally, 15 USC 1666B establishes that a creditor, in this case, XXXX XXXX XXXX XXXX, may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. I request that you ensure that " ALL '' late payments associated with the accounts mentioned be updated to " Paid as Agreed Never Late ( PAANL ) '' immediately, in accordance with this statute. 

In light of these violations of the FCRA, I kindly request that you take the necessary steps to correct this inaccurate reporting and update the information associated with Account number : XXXX and Account number : XXXX to reflect my true credit history. It is my right as a consumer to have accurate and up-to-date information on my credit report. 

I am providing you with this written notice as per my rights under the FCRA, and I expect you to conduct a thorough investigation into this matter and the method you use to verify. I also request that you promptly inform me in writing of the results of your investigation. 

Please be advised that I take my rights under the FCRA seriously, and I am prepared to take further action to protect those rights if necessary. I trust that you will address this matter promptly and in accordance with the law.
Product: Debt collection

This debt is from Kohls department store in XXXX New jersey is where I opened up the account and I paid off the account I called the store on several occasions I called the corporation on several occasions to try to clear up this issue my statement that I did find has a different account number on it the account number that they told me has the debt is not the account number that my account is also I asked for statements they can not produce any statements or any history of payments or non payments they only had one payment so they say {$50.00} in XX/XX/2016 which I told them of him I have requested over and over for proof of debt I was told by the corporation that there is no statements and there is no balance statement so I would like for the company and I would like for the three credit XXXX XXXX XXXX XXXX XXXX to remove this debt from my name.
Product: Mortgage

As of XX/XX/2018 my mortgage was sold from XXXX XXXX to Rushmore LC company. I was out of state made my payment by logging in to system ( XXXX ) and paid XXXX on XX/XX/18. I started to get collection calls from XXXX telling me its a attempt to collect a debit. This Is when I realized My mortgage had been sold. I was told not a problem it will sort itself out all payments will be wired over with my loan information. I returned to GeorgiaXX/XX/XXXX tried to set up and log into Rushmore new lender to make my XX/XX/XXXX payment. System reflected I still owed for XX/XX/XXXX. So I called in was told just make my XX/XX/XXXX payment I did not feel comfortable with that so I went to my XXXX XXXX and mailed money orders writing in the XX/XX/XXXX month in memo. So it was clear what month I was paying for. I continued to do this to date XX/XX/2018 calling in, sending in e mails to be told over and over by Rushmore people or it will fixed it self our research team is on it / I have just escalated your account. Blah blah blah ... .. It is XX/XX/XXXX and I go to log in to pay for XX/XX/2018 payment to see it has still not been fixed. I have sent in my XXXX XXXX statements as proof from my bank in the mean time I have been getting harassing collection calls. I believe it is reporting late payments on my credit reports. I need help on getting this situation fixed. I do not know who to reach out to for help they say they see the payment and yet no one has fixed my account. I also had a homeowners insurance overpayment from XXXX during this time that could have been refunded to me but instead I asked XXXX to go ahead and send it back to my Mortgage lender as a escrow credit. Which I don't believe has been applied properly either in the amount of {$220.00}.
Product: Credit reporting, credit repair services, 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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

My credit score dropped dramatically though I have been paying all the bills on time since I arrived at US in XXXX. I never had any issue with late payment or debt. My credit score has been excellent except this happened. When I checked my credit report, I found out that there are incorrect address ( XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX ), phone number ( XXXX XXXX ) and debt on XXXX account ( XXXX ) which I never opened. I do not know how someone got my info and stole my identity. XXXX did not check the info securely and easily opened the account with someone's stolen information. I have never experienced identity theft issue and very complicated. Now XXXX sent it to Jefferson debt collection amount {$5400.00} that appeared on my credit report. It caused a lot of stress to a father  of XXXX, who struggles to pay the rent, bill, family expenses every month.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX Subject : XXXX XXXX XXXX Accounts XXXX, XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX Bank Fund Staff Account XXXXXXXX XXXX XXXX XXXX Account XXXX Dear Consumer Financial Protection Bureau I am writing to file a formal complaint against Equifax regarding their failure to comply with consumer protection laws and their disregard for my request for information. On XX/XX/year>, I submitted a complaint ( Complaint ID : XXXX ) to the Consumer Financial Protection Bureau XXXX CFPB ) regarding inaccuracies in my credit report, investigation process, etc. I provided Equifax with all necessary documentation and information to investigate the matter thoroughly. 
However, I am deeply disappointed to learn that Equifax has closed my complaint without providing me with the information I requested or addressing the issues raised. This action not only violates my rights as a consumer but also demonstrates a lack of accountability on the part of Equifax. 
I said Do not close this complaint until you provide me with the following : 1. The name, date and time of the person you spoke to complete your investigation According to 15 usc 1681a ( e ).

2. Written consent that I gave them to furnish these accounts. According to 15 usc 1681b ( 2 ) 3. Explain why you are still reporting these accounts even though they are not reported accurately across all 3 credit bureaus ( This is my third CFPB complaint about the inaccuracy of the reporting ) 4. Please provide the law that states that the credit bureaus can report income. These accounts are all charged off And charged off are considered certificate of indebtedness which means it is INCOME According to the IRS Publication. Income can not be reported to a consumer Report you did not provide me with any of these things. All of these laws was uploaded to the first complaint. But it seems as if Equifax either did not look at them or chose to ignore the LAW. Equifax chose to do their investigation based off of their policies not the law. The law states who they supposed to interview when doing a investigative consumer report ( 15 USC 1681a ( e ) ). But in their response to my complaint they did exactly what the law said not to do.

So again please provide me with the information I asked for in the first complaint mentioned above Before you close this complaint I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against Equifax for their non-compliance with consumer protection laws. Additionally, I ask that Equifax be required to provide me with the information I requested and to rectify any inaccuracies or discrepancies in my credit report promptly.

I appreciate your attention to this matter and look forward to a prompt resolution. Please do not hesitate to contact me if you require any further information. Thank you for your assistance in this important issue. 

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

With our credit card company Elan Financial Services I requested a credit increase. They then immediately pulled a hard inquiry XXXX on the same day XX/XX/2022. Without any response saying our credit limit was increased or not. They should have not made a hard inquiry twice on the same day. Again on XX/XX/2022 I requested a credit increase and they again pulled XXXX hard inquiries without any explanation. I contacted the company and they said they could not say why they had pulled a total of XXXX hard inquiries on my credit report and told me that I needed to file a complaint and that they had not further information available. In XXXX once they pulled the hard inquiries XXXX it dropped our credit score nearly XXXX points. XXXX XXXX out ups like to request the hard inquiries pulled from my credit report and elan financial services held accountable for pulling inquiries multiple times in the same day without any explanation.
Product: Mortgage

XXXX c/o PHH mortgage alleged that I owed monthly payment which was forwarded to PHH. I disputed the amount on the PHH collection letter and requested written verification of the amount allegedly owed. That letter was sent on XX/XX/year> and to date, XX/XX/year>, PHH HAS NOT provided my requested information.

Subsequently, PHH has sent me XXXX additional collection letter with XXXX different dates XX/XX/year> & XX/XX/year> informing me of pending foreclosure action against my home by PHH Mortgage Services. 

PHH is continuing its predatory collection actions. By its actions, PHH holds itself above the law.

I dispute 100 % of the alleged amount PHH says I owe and continues to threatening to take away my home. 

On XX/XX/year>, PHH sent a person to my home who identified herself as an employee of PHH. This person took pictures of my home and told my family member that I was going to get evicted & my house was already sold- which is NOT factual
Product: Money transfer, virtual currency, or money service

I tried to wire {$20000.00} to the XXXX through my bank, XXXXXXXX XXXX in XXXX, Illinois. And now my understanding is the money was sent to Citibank XXXX before getting sent to XXXXXXXX XXXX XXXXXXXX in XXXX, XXXX. The first wire transfer happened on XX/XX/2022, but the problem was both my name, the sender and the recipient 's name, my sister were misspelled, so the money was returned to citibank XXXX on XX/XX/2022. Multiple service emails were sent by my bank to correct the names and re-send the money. Citibank never reply to any emails from my bank. Then the money was wired again by them on XX/XX/2022 with the same misspelled names, so it was returned again on XX/XX/2022. Currently, I am working with XXXX XXXX  on trying to retrieve the money back, but they are still not responding to my bank. I tried to call Citibank on XX/XX/2022 but I was never entertained because " I don't have an account with them '' per call agent. All I am asking for is a response from them, to know where my money is and when can I get it back. This had caused me severe XXXX, huge delay on building our house, and put me on big financial difficulties.
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an Items left that need to be removed or Block. Per FCRA section 605 you are required to remove any items listed below. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX Balance : {$4000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

requested that accounts with inaccurate data for verification or corrected Accounts info thats not listed correctly came back verifed with all inaccurated info still listed after they said its correct, data not reporting accurate, across all three credit breaus, account closed but still reporting payments, credit limit inaccurate, dates open inaccurate have past due balances PLEASE HELP IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX XXXX XXXX XXXX  HAS VIOLATED MY 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 A WRITTEN INSTRUCTIONS. ( TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ) IF AFTER ANY REINVESTIGATION OF ANY INFORMATION DISPUTED BY CONSUMER AN ITEM OF THE INFORMATION TO BE INACCURATE OR INCOMPLETE OR CAN NOT BE VERIFIED THE CONSUMER REPORTONG AGENCY SHALL - ( a ) PROMPTY DELETE THAT ITEM OF INFORMATION FROM THE FILE OF THE CONSUMER OR MODIFY THAT ITEM OF INFORMATION AS APPROIATE BASED ON RESULTS OF INVESTIGATION ( b ) PROMPTLY NOTIFY THE FURNISHER THE INFORMATION HAS BEEN DELETED Feel Neglect damages all violations to metro 2 compliance i Demsnd : - Original Contract - Creditor info - Payment History - Proff of Ownership
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit reporting act XXXX XXXX XXXX {$2800.00} copy of original written agreement With XXXX XXXX XXXX, XXXX XXXX XXXX {$650.00} Copies of the original written agreement with XXXX XXXX XXXX, XXXX XXXX XXXX {$610.00} copies of the original written agreements with XXXX XXXX XXXX, XXXX {$560.00} copies of the original written agreement with it XXXX, XXXX XXXX  {$230.00} copies of the original written agreement, XXXX XXXX XXXX {$200.00} copies of the original written agreement 15 U.S.C. 1681 section 602 A. State : I have the right to privacy 15 U.S.C. 1681 section 604. A. section 2 : it also states that consumer reporting can not furnish account information without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX client, XXXX XXXX is a victim of identity theft. She was notified by XXXX XXXX XXXX of a fraudulent application submitted with her information without her consent that left a fraudulent inquiry on her XXXX, XXXX and XXXX credit reports XX/XX/XXXX. In addition a SYNC/Walmart credit application was submitted XX/XX/XXXX An official dispute of both of these applications was sent to XXXX XXXX XX/XX/2018 however as of this date no update of the investigation has been received. This is a violation of the FCRA and my clients consumer rights.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NM XXXX, XX/XX/2019 ERC, XXXX XXXX XXXX XXXX, FL XXXX XXXX : Dear ERC, I am responding to your contact about collecting a debt. You contacted me and identified the debt as being in collections on my credit report. I do not have any responsibility for the debt youre trying to collect. 
If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. 

Thank you for your cooperation. Sincerely, XXXX XXXX
Product: Credit reporting

I paid XXXX XXXX XXXX for a XXXX Collections for XXXX XXXX XXXX on XX/XX/2015 and they sent me a letter of confirmation however they are still reporting that I owe this money on my credit report. 

RE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX Partial Account # XXXX ... 
Address Identification # XXXX Original Creditor XXXX XXXX
Product: Debt collection

On XX/XX/2019 I faxed in a letter disputing the debt. I asked resurgent debt dispute department to send me copies of itemized statements showing the balance of the debt they were reporting on my credit and copies of the credit agreement and have yet to be provided with validation of the balance of the debt they state I owed. I do not owe this debt and would like it removed off my credit report.
Product: Checking or savings account

I have been trying to reach SoFi ( XXXX  XXXX XXXX   ) for more than 2 weeks about a verification of deposit form and they just keep repeating the same statement " We need the lender to send us a VOD form ''. I as an account owner of SoFi am request a verification of deposit for XXXX XXXX reasons. XXXX does not provide a VOD form. The employees at SoFi can not seem to understand the simple fact that a VOD form for immigration can simply be requested by account owner. 

I have spent countless hours on phone with SoFi. I have created multiple tickets with SoFi and all their end result was wasting my time when my visa appointment is coming up! 

I even created a VOD form as an Individual to submit to SoFi and they rejected it for not having " company letterhead ''. HOW DOES AN INDIVIDUAL HAVE A LETTERHEAD? WHAT DO THEY WRITE? ACCOUNT OWNER, LLC? SoFi just doesn't understand simple facts.
Product: Credit card or prepaid card

I have applied multiple times for the XXXX XXXX and because no one at the bank calls the number on my Fraud Alert they decline application as unable to verify identity.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, do hereby state that the following information is true. 

XXXX  creditors and items are being reported on my credit report that I have no knowledge of and believe should be removed. I have filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) and XXXX IdentityTheft complaint # XXXX.Below are the specific accounts and inquiries in question : Accounts to be Removed : 1. XXXX XXXX - Account Number : XXXX - Amount : XXXX/ XXXX Account XXXX. XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX  - Account Number : XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX XXXX. XXXX - Account Number : XXXX - Date : XX/XX/XXXX Additional Requests : - I need the block on my online access removed. 

Additional Accounts : - XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX - XXXX  XXXX  # XXXX Inquiries to be Removed : XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX