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

In accordance with the Fair Credit Reporting and XXXX XXXX XXXX, XXXX # XXXX , XXXXXXXX XXXX XXXX # XXXX XXXX XXXXXXXXXXXX XXXX  # XXXX , XXXX XXXX XXXX XXXX # XXXX, XXXX # XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy 15 U.S.C. 1681 Section 604 A section 2 : It also states a consumer reporting agency can't furnish a account without my written instructions.
Product: Mortgage

I have requested the M & T Bank records for my 1999 original purchase Hudson City Savings Bank mortgage. M & T Bank acquired HCSB and should have the lien release records. I suspect that the " BOOKS HAVE BEEN COOKED '' and that the HCSB mortgage was not paid off because the mortgage was never issued from the beginning. After my offer was accepted in 1999 I tried to get an attorney to do the closing and the attorneys told me a variety of reason that the house could not be sold such as it was owned by the town, that the property was foreclosed on and that the house belongs to a pool of homes that can't be sold. I got a call back from attorney XXXX XXXX XXXX who said he could do the closing. The sellers signed under penalty of perjury that they were selling me XXXX XXXX XXXX and not the correct address of XXXX XXXX XXXX. The lot and block were changed before the sale. The sellers closed with power of attorney and the deed and the title insurance are no where near along with many other things that point to fraud. 

THE COUNTY RECORDS ALSO SHOW THAT THE MORTGAGE WAS NEVER FILED. I AM REQUESTING M & T Bank to be honest with me and forward me any records that they have of XXXX XXXX XXXX XXXX, N.J. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted several times the Credit Bureaus Experian, XXXX, and XXXX  asking them to verified this misleading information, each of credit reporting agencies has a different amount on my report, Experian {$1000.00}, XXXX  {$1000.00}, XXXX {$1000.00} They keep sending me a response that the account has been verified. I have contacted the collection company several times ( XXXX XXXX XXXX ), I obtained the contact address from my Experian report and send them a verification letter of the collection. and the letter was unable to forward because it was an inaccurate address. Obviously Experian has an misleading information on my credit report ( wrong collection information, address, amount of debt, etc ) and also Experian, refused to delete old addresses in my credit report that way I avoid Identity Theft. 
Some how the collection company contacted me and sent me a statement attempting to collect a debt with different amount as well {$95000.00}. I noticed on the statement I'm a joint account holder of an apartment lease. I ask them for verification and until this day they just keep sending me the same statement with no other explanation or contract with my signature, etc. 
XXXX, Experian, XXXX  has inaccurate information and failed to verified account and XXXX XXXX  XXXX is attempting to collect a debt that is not mine. 
I request them to remove it from my credit report immediately. 
I also Filed a Identity Theft Report Thank you, Look forward for your response.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$550.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$320.00} XXXX XXXX  XXXX XXXX XXXX : {$2000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX, XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Not too long ago I reviewed my credit report and was sent into a XXXX  XXXX when I saw the accounts that were being misrepresented on my credit report. The bureau is clearly not doing their due diligence to ensure that whatever is being reviewed and reported by them is 100 % accurate and this is taking a huge toll on my personal life and need this fixed so I can get my life back on track.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo & Company has reported late mortgage payments to XXXX and has not reported any information to XXXX and XXXX. By reporting incorrect information or no information at all my credit is suffering and making it impossible to get a new mortgage with another lender. I submitted a claim with Wells Fargo & Company 14 days ago and they have spent this time trying to prove me wrong rather then correct the credit reports but reporting the correct information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Experian have reported multiple hard inquiries as I am shopping for a mortgage and refuse to remove them. This website, consumer finance.gov states that all mortgage inquiries made within a 45 day window will be treated as one inquiry. Why is this happening? It is severely impacting my ability to buy a home and clearly goes against the consumer protection standards detailed here. The first inquiry was XX/XX/XXXX by XXXX XXXX and the second by XXXX XXXX on XX/XX/XXXX. Both show as credit unions and were for mortgage purposes.
Product: Debt collection

I continue to receive collection calls for " XXXX XXXX '' on my personal cell phone, but I am not XXXX XXXX nor is my number his. I have received calls from multiple collection agencies over the past 2 years or so - typically around the beginning of the month. Most recently I received calls on XXXX/XXXX/16 and XXXX/XXXX/16 from Northland Group for " XXXX XXXX. '' I have also received calls in the past from XXXX XXXX XXXX, XXXX XXXX and XXXX, to name just a few. My number is on the Do Not Call Registry and I continue to inform collection agencies that they have a wrong number. But then the next month the account gets sold to another collection agency and the calls start up again. On the most recent call with Northland Group, the manager admitted that I was robo-dialed, even after I had asked to be removed from their list.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS INFURIATING! For the past 6 months, I have been disputing for the correction of my Credit File by removing the fraudulent accounts and information from my Credit File. I was a victim of identity theft and the disputed accounts and information were the results of such crime. I have also been submitting multiple dispute letters and CFPB complaints addressed to the Credit Reporting Agencies and yet all of these have been ignored. Under the Fair Credit Reporting Act section 605b, the Credit reporting Agencies are required to remove the disputed accounts and information immediately removed from my Credit File. However, no matter what I do, whatever I try to do, the Credit reporting Agencies have been ignorant and indifference with my Credit File. Once again, I am submitting yet another CFPB complaint to request to the Credit Bureaus to immediately remove the disputed accounts and information completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Balance Owed : {$5900.00} XXXX XXXX Balance Owed ; {$4400.00XXXX XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX. We are halfway through to file a lawsuit with the Credit Bureaus and I believe we are ready anytime to submit this lawsuit the moment the Credit Bureaus do not remove the disputed items.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a lil more explanation on. 
I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure 1 they are, I also read something called the fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec. 1681 ( a ) 7 I heard that if you can't provide proof, these accounts must be deleted. Well I want these accounts deleted it they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. 
Please investigate the following accounts and remove them if anything is missing of not correct on them. 
Accounts Account Name : XXXX XXXX XXXX  Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account name : XXXX  Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : XXXX XXXX  XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

I also read where I can get the updated report after you investigate this from the Free Lawyer Guy. Could you please send it to me? Also, please let me know who had access to my file as I want the investigation outcome to be sent to my address I put on the from area Thank you for your time and help in this matter.

Also I sent this same letter out to all 3 bureaus with no response on XX/XX/2022 XXXX
Product: Credit card

I applied for a Home Depot XXXX XXXX XXXX and was declined due to a Bankruptcy from XXXX. 
I spoke to several credit analysts at Citi, XXXX of which was a senior credit analyst who recommended that the application be approved. I was promised a call back with in 72 hours, of which I never received. It took me over 1 hour to get in though with someone from there credit department who was able to take a look at my application ( of which they spend XXXX seconds in and then to a manager who spent less that XXXX minute in ). I have other cards with Citi that I have now had for over 4 years that have XXXX lines. I have nearly XXXX in available credit. The manager said that my overall utilization was to high. According to my credit reports I am using less that 25 % of my available credit which is considered to be low utilization. 

I do not believe I was treated fairly. I believe the analysts seen that I had a BK and was simply done reviewing the application and giving it proper consideration.
Product: Credit reporting or other personal consumer reports

I DIDN'T PROVIDE IDENTIFICATION ARE PROOF OF RESIDENCE IN PREVIOUS COMPLAINTS. 


XXXX XXXX XXXX XXXXXXXX reporting Improper use of your report XXXX XXXX XXXX XXXX XX/XX/year> Open Company response is in progress as of XX/XX/year> XXXX XXXX XXXX XXXX reporting Improper use of your report XXXX Credit reporting Agency XX/XX/year> Open Sent to company XXXX
Product: Mortgage

My mortgage was transfered to Mr. Cooper at the end of XX/XX/XXXX from Rushmore Mortgage. There was a negative balance in my escrow account of {$1400.00}. I received an email from Mr. Cooper on XX/XX/XXXX saying my Homeowners insurance had been paid for {$760.00} and the next payment was due on XX/XX/XXXX. The {$760.00} was taken from my escrow account. Attached are the letters and email received from Mr. Cooper. XX/XX/XXXX letter stated that my insurance had expired and I needed to provide proof. The balance of the information is contained in my letter to Mr. Cooper. I sent the attached information not only on their complaint ticket system, but also sent registered mail. I also emailed my homeowner 's insurance company XXXX XXXX XXXX XXXX ) only to find out that my policy was not renewed and cancelled on XX/XX/XXXX. My home was uninsured for almost a year without me knowing. I have emailed every address I could find and called at least 6 different phone number and have not been able to speak to a live person. My mortgage payments have now increased by over {$500.00} per month.
Product: Debt collection

Phoenix Financial Services I disputed them 2 times through XXXX  and it didnt help I call Friday XX/XX/XXXX and the women was very rude and said she cant discuss my concerns with me wont me make a payment and I told her I dont know of going to the doc and told her I dont go to XXXX if I did I need some documents showing my signature or proof and she said no they didnt need to do that and this has really messed my credit up
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 has violated my rights .

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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

THIS IS NOT A REQUEST FOR DISPUTE OR REINVESTIGATION. 

This is a request for immediate removal of items that were involved in IDENTITY THEFT. 

Trans Union, XXXX  and XXXX removed these items then reinserted them with out notifying me in writing. 

Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that report identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports.
Product: Debt collection

Discover Financial credit card stated that i owe {$1000.00} in 2015 I XXXX XXXX XXXX was in Ohio XXXX XXXX XXXX  today im trying to buy a home the result of the identify theft while in XXXX i tried to resolve the discover card services will not correct or fix the issue they want me to pay which i feel i should not have to pay due to i was in XXXX  and that it was not my fault that it as accrued today in buying a home and being on fixed income it puts me in harm and financial hardship
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned about : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX had reissued a student loan listen to be completely fabricatedStory that they would consolidate the other loans with it so I could then return to school. Otherwise there would be zero, exactly zero reason to sign paperwork on a loan more than 23 years old. There should be no negative reporting from this loan as it is in the first place originated from XXXX XXXX XXXX  University nearly 24 years ago. If they would like to attest to the validity then there is no way that they should be XXXX and me late during XXXX at the beginning of a pandemic when the president himself said that school loans would be put off till the end of the pandemic however XXXX seems to think that students should suffer during these times and wishes to disobey law. XXXX of 2020 what is the beginning of when this country realized we were in trouble and businesses begin to lay off people including my business.
Product: Credit card

I was solicited by American Express to open a credit card. The offer promised XXXX XXXX XXXX points in compensation for spending XXXX dollars on the card in 3 months. When I received the card, I called the activation number and confirmed the terms and conditions.Amex solicited me, I was told I was eligible, and fulfilled the terms and conditions. The points were not awarded to my account. I contacted Amex, they claimed I was not eligible because " I had a similar offer in the past ''. 
Amex solicited me. I acted in good faith and confirmed the offer. I fulfilled the terms and conditions. Obviously, Amex has a data base an knew or should have known if I was eligible. I contend that I should be awarded the points.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX FIN XX/XX/XXXX XXXX FIN XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX BANK XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

To Whom It May Concern : I am writing regarding an entry listed on my credit report under your agencys name. I request that you provide validation of the alleged debt as I have the right to dispute its validity under the Fair Debt Collection Practices Act ( FDCPA ). 

Per 15 U.S.C. 1692g, please provide me with the following information : 1. The original agreement or signed contract related to this debt, showing that I agreed to pay the alleged amount.

2. The name of the original creditor and an itemized statement showing the amount owed, any interest, fees, or other charges.

3. Any documentation showing your legal right to collect on this debt.

In addition, I have reason to believe that communication practices associated with this collection have violated my rights under 15 U.S.C. 1692c. If you can not validate this debt in full compliance with federal regulations, please cease all further communication regarding this debt, and have this entry removed from my credit report immediately.

Please consider this a formal dispute. Any further reporting of inaccurate information to credit bureaus may constitute a violation of the FDCPA.

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX
Product: Debt collection

Company name is MRS BPO that is located at XXXX XXXX XXXX XXXX XXXX NJ XXXX they are calling my phones several times a day when I answer they hang up. The number they are calling from is showing on Caller ID 's as local area codes in XXXX XXXX NY areas but they are located in XXXX XXXX NJ XXXX When I call back into the office the reps are rude demanding me to give them name. I called last week and was told by a rep there was no account in the office with my name on it. I called again today after being hung up on and a rep said there is a account in the office with my name and asked me to use personal info to verify who I am which I refused and again the rep hung up on me. I called again another rep answered and gave me company address and refused to verify if that company had any location in New York State area which per XXXX I knew they did not have any agency in the New York area but yet keep using area codes from XXXX. When I call the XXXX area code numbers back there is a recording on the phone line after pressing XXXX for XXXX it than states that a tax return can be used to help lower payments. This company is harassing me I have several companies in a different area codes that is doing same tactics where they are using XXXX area codes and were located in different states without a local company in the XXXX area. The companies are making up fraud debt accounts matters and I am looking into pursuing further legal actions against all of them for prank calls, scare tactics, hanging up calls, reps hanging up when I answer the phone and misleading information. 
Numbers this company is calling from are are : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint last XX/XX/2022 to update these accounts, which were UNKNOWN to me. I came across with this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to update these accounts or information not later than 4 business days after the XX/XX/2022 letter. Ive already included these in my previous Complaint # 's XXXX ; XXXX ; XXXX and I am including these accounts again. XXXX XXXX Balance : {$590.00} ; XXXX XXXX Balance : {$980.00} ; XXXX XXXX Balance : {$2200.00} ; XXXX XXXXL XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}