23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing the investigation results from XXXX, XXXX, and Experian from XX/XX/XXXX the following accounts were claimed to be verified as accurate according to XXXX, XXXX, and Experian. You are in violation of FCRA 607 ( B ) accuracy of report.

After their investigation I have found various inaccuracies and I want these accounts deleted from my consumer report. 

Delete the following accounts : 1. XXXX XXXX Acct : XXXX Last verified nothing is reporting for Experian also this account is not reporting on XXXX XXXX XXXX XXXX Experian, please delete this account. 

2. XXXX XXXX Acct # XXXX last verified XXXX has a date of XX/XX/XXXX and Experian and XXXX nothing reporting. Which one is accurate? Balanced owed and account type are inconsistent. Please delete this account. Total of XXXX violations 3. XXXX XXXX Acct # XXXX last verified XXXX has XX/XX/XXXX and Experian and XXXX nothing reporting. Date opened and payments status are inconsistent. Total of XXXX violations. 

4. XXXX  XXXX Acct # XXXX last verified XXXX has XX/XX/XXXX and Experian and XXXX nothing reporting. Date opened and account status are inconsistent. Total of XXXX violations. 
5. XXXX XXXX Acct # XXXX last verified XXXX has XX/XX/XXXX and Experian and XXXX nothing reporting. Date of last activity and last payment status are inconsistent. Total of XXXX violations. 

FCRA states all information reporting must be 100 % accurate. Please delete this accounts for they have caused damages to my livelihood. I have filed a complaint with the CFPB, According to FCRA I can sue for a {$1000.00} per violation and there are currently XXXX violations. I want these 5 accounts deleted from my consumer report. 

616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails 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 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or Attached are copies of my most current credit report.
Product: Checking or savings account

Overdraft fees navy federal bank in both my account over the years banking with them fees never retuned at times
Product: Debt collection

CKS PRIME INVESTMENTS , LLC Has put a collection on my credit report I dont know this company I do not owe this company any money this collection isnt mine. I got in contact with CKS PRIME INVESTMENTS , LLC and they didnt have any record of me in there files.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This serves as a final demand for your agency to provide a full account of the steps taken to ensure the accuracy of the items on my credit report, under 15 U.S.C. 1681i ( 7 ). Specifically, I require a detailed description of your reinvestigation procedure, including the business name, address, and phone number of any furnisher of information contacted, as well as any documentation used to validate the information under 15 U.S.C. 1681i ( 6 ) ( B ) ( iii ). This information must be provided within 15 days of this request. I previously informed your company that I am a victim of identity theft and the XXXX XXXX breach, and I filed a formal FTC Identity Theft Report, which is attached. Despite my explicit demand to block and remove all fraudulent information from my credit report, you have failed to comply, leaving the following fraudulent items XXXX XXXX XXXX XXXX XXXX  Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed this payment history. Else, DELETE this account immediately!
Product: Mortgage

I refinanced my home loan earlier this year and set up automatic monthly payments. I was than told my loan was sold to SunTrust ( a company I have never heard of and do not trust ). I received mail but since I did not know the company I assumed these were fraudulent. I than started to receive notifications that my mortgage was over due. As far as I knew I had automatic deposit occurring. Please also note that I am a healthcare provider and a single mother. I have not been micro managing my checking account since I do not have time... I have now spent over an hour with Sun Trust on the phone trying to figure out who they are... I was told they are around for a few years. What ever that means. I have also attempted to sign up for online access and they blocked my account... I am now sitting on hold for another hour waiting to talk with someone about unblocking my account so that I can see what is going on. I am more than upset that I have to be waiting my time when this was NOT my issue. I continue on hold...
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and found some accounts that do not belong to me. As you know, listing these accounts on my credit report is a violation of the Fair Credit Reporting Act. I am a victim of identity theft as a result of a data breach from XXXX Account Name : XXXX Account Number : XXXX Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation.

Reason : Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap. 


Account Name : AMERASSIST ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Reason : Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap. 


Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : Account is fraudulent Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap. 


Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : The account is fraudulent Account Name : XXXX  Account Number : XXXX Reason : The account is closed Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason : The account is closed Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap.
Product: Credit reporting or other personal consumer reports

Experian is not doing their job in regards to investigations : XXXX. XXXX XXXX  30 Day XXXX XXXX XXXX. Personal Information That's Reported Fraudulent 1c. Removal Of Fraud Statement On Credit Report.. 

XXXX ' Own Company Website XXXX XXXX 
Payment On XXXX
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 U.S.C 1681.ACCT Name : XXXXXXXX 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. 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
Product: Debt collection

Commonwealth financial is trying to collect a debt that 1. Has already been paid 2. Accounts were removed my my XXXX credit file in XXXX XXXX and commonwealth re added the accounts ( after removal ) in XXXX XXXX. 1. Accounts were paid 2. Accounts are past the statue of limitations on which it can collect.
Product: Mortgage

I am filing a complaint because my mortgage payments are missing. I have had XXXX dollars paid on my behalf to Ocwen from XX/XX/XXXX to XX/XX/XXXX. My loan balance in XX/XX/XXXX was {$120000.00}. My balance XX/XX/XXXX in {$110000.00}. I am missing XXXX of payments applied to my account. My balance should be XXXX. I have called Ocwen on several occasions but I have not gotten a response. In addition, I have attempted to apply for a Principal Reduction but I have not gotten any response from Ocwen. I will have to sell the house because my mortgage is not adequately serviced by Ocwen.
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 Credit bureaus are reporting my bankruptcy and stating that this information is coming US bankruptcy court in XXXX Fl. I spoke with Deputy at US bankruptcy court who advised they never report any info to Credit bureaus which is false information and misleading. I also have issues with negative remarks from XXXX XXXX auto loan been reported inaccurately on all 3 credit bureaus. I want a written document showing my signature not a e-oscar online verification system.
Product: Credit card or prepaid card

On XX/XX/2020, I placed an order XXXX for a 65 ' inch tv for a total charge of {$240.00}. When I went to pick up the item on or around XX/XX/2020 at the XXXX XXXX, the associate brought out the TV, closed out the order and when I turned around I noticed they put a XXXX XXXX TV in my car. I immediately said that was not what I ordered and requested a supervisor. A manager, came out and I explained the situation. She informed me that XXXX had been fulfilling orders and then trying to provide smaller TVs upon customers arrival because they ran out of the 65 inch TV. She immediately call the 1-800 customer service number and explained to them that she was unable to cancel the order or do a refund because the associate that brought the TV out closed out the order. After about 30 mins on the phone with them, she informed me XXXX would issue the full refund. They then removed the Tv. I NEVER left the property with the 55 inch tv. I did not see the credit 2 days later, so I followed-up with the 1-800 number and the associated assured me the credit would be forthcoming. Still no credit on Thursday, so I called again and they again assured me the credit would appear on my Discover account on Friday. That never happened. They also assured me, multiple times, they would forward me an email with proof the refund was being processed, and that did not happen either. I called XXXX. I have no paperwork to provide as all calls by me and the manager at XXXX XXXX were done by phone to the customer service number. XXXX  own paperwork submitted to you shows they gave a credit of {$100.00}, because they were trying to do a bait and switch with a different size tv, and even that credit was never credited to my Discover Card. They could view their own security tapes and see I never left with a 55 inch TV as that was not what I ordered and I was not going to take it and was assured the credit would be provided. I continue to dispute this charge as I did not leave the store on XX/XX/2020 with the product. This entire charge was disputed with Discover, however, the sided with XXXX because XXXX showed the order was placed, which it was, and picked up, which it wasn't but because the kid that brought out the TV clicked it before I got to check the item, the system did show I picked it up which is why the manager came out and called the 1-800 to start the return ( and apparently has never been completed by the 1-800 customer service ). Now I am fighting with Discover to take off the {$100.00} overcharge that even XXXX submitted on their dispute paperwork showing the whole charge should have been {$140.00} due to their attempted bate and switch. Attached is the order showing the total charge was adjusted {$100.00} to {$140.00} because of the attempted bait and switch, XXXX 's own paperwork showing there should have been a {$100.00} credit applied to my credit card, and the ads from XXXX showing what the cost of each TV was.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to XXXX XXXX. XXXX and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC Identity Theft Report XXXX XXXX XXXX XXXX XXXX  XXXX ) to support my identity theft claim. 

According to XXXX XXXX. XXXX, when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 

The following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX - XX/XX/year> In accordance with XXXX XXXX. XXXX, I request that you immediately block this fraudulent information from my credit report. This information must remain blocked for one year, after which I may request an extension of the block. During this period, you are not allowed to report these accounts on my credit history. 

I have contacted the credit bureau multiple times regarding these fraudulent accounts on my report, but they have failed to provide a solution. This situation is severely affecting my ability to acquire a new home for my children. These accounts were removed and not verified by other credit bureaus, so I do not understand why they still remain on my report. 

I have formally requested contracts containing the information that supposedly belongs to me, but more than 60 days have passed without receiving any response. I ask for your assistance in immediately deleting these fraudulent accounts. 

I have attached the FTC report ( REPORT NUMBER : XXXX ) in the hope that you will make a fair decision regarding my case. I appreciate your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has not responded to none of my disputes. I wrote to them requesting an investigation for the accounts listed in the letter attached and per my return receipt, it was delivered. I asked for a investigation to remove accounts that are Inaccurate. This is affecting me from purchasing a home and is upsetting. I have not received a reply from you or any acknowledgment that an investigation has begun. I am requesting for you to delete these accounts immediately from my credit file. I sent my dispute letter on XX/XX/XXXX and a follow up letter on XX/XX/XXXX so this is my third request. I also understand, under Federal Law, you are required to complete and notify me of your investigation results within 30 days, we are now on day 45 people! Again, please DELETE these inaccurate items from my credit file, permanently.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my Transunion credit report file # XXXX Date Issues XXXX and it continues to report errors. I am requesting re-investigation in to the following 3 collection accounts Transunion is reporting negatively on my report- XXXX XXXX XXXX XXXX XXXX- This account shows a original balance of {$590.00} and a past due balance of {$570.00} on report file # XXXX dated XXXX but on the report # XXXX dated XX/XX/XXXX it has the last payment date XXXX. XXXX XXXX did not own the account this account they are claiming- How can this be and I have never made a payment to this company because I have been in dispute. This is inaccurate XXXX XXXX # XXXX- This account shows a date closed of XX/XX/XXXX and a date updated XX/XX/XXXX but this account is still showing an amount due of {$310.00}. How can an account be closed with a balance? 

XXXX XXXX # XXXX - This account shows a date closed of XX/XX/XXXX if this account was closed on this date then it is beyond the 7 year legal time limit of TransUnion reporting this account- Yet the removal date on this report is showing XX/XX/XXXX this is not possible I have enclosed and uploaded a copy of my report XX/XX/XXXX for your review- I have highlighted each error I have located -I would like these accounts re-investigated and removed for the following error and inaccuracies. They should be deleted immediately
Product: Credit reporting or other personal consumer reports

Subject : Request to Block and Delete Accounts Due to Data Breach Dear Equifax, I am writing to formally request the blocking and deletion of my accounts listed below, as I am a victim of the recent data breach. Pursuant to 15 USC 1681c-2 ( a ), I am entitled to have these accounts blocked WITHIN FOUR DAYS to protect my personal information. 

The accounts I wish to address are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This request is made in accordance with several provisions of the Fair Credit Reporting Act ( FCRA ) : 1. **15 USC 1681c-2 ( a ) ** : This statute requires consumer reporting agencies to block information resulting from identity theft. I request that all accounts fraudulently opened in my name be blocked immediately.

2. **15 USC 1681i** : Under this section, I am entitled to dispute and request the deletion of any inaccurate or unverifiable information on my credit report. Please investigate and delete any such information linked to this breach.

3. **15 USC 1681e ( b ) ** : This provision mandates that consumer reporting agencies maintain reasonable procedures to ensure the accuracy of information. Given the breach, I request a thorough review of my credit report to identify and rectify any inaccuracies.

4. **15 USC 1681g ( a ) ** : I request access to my complete consumer report, as I have the right to understand what information is being reported and to identify potential inaccuracies resulting from this breach.

5. **15 USC 1681m** : As required by this statute, please ensure that any negative information resulting from the breach is not reported inappropriately.

6. **15 USC 1681n** : I reserve the right to seek damages for any violations of the FCRA resulting from this breach, should you fail to comply with my requests. 

Please confirm the receipt of this letter and provide written confirmation of the actions taken regarding my accounts. 

Additionally, I would appreciate an update on any measures you are implementing to protect my personal information. 

Thank you for your prompt attention to this matter. I look forward to your immediate response in 4 days!
Product: Mortgage

In XXXX I applied for a HARP loan through my lender, Bank of America. During the application I disclosed that I had a bankruptcy which was discharged. In the bankruptcy process I was unaware of a choice of reaffirming or not reaffirming my mortgage, even tho I did not include the mortgage in the bankruptcy. I advised the loan officer that no form existed and that I had first hand knowledge that some HARP loans get underwritten and closed even tho no reaffirmation form exists when the debtor has paid as agreed. The application went through processing. I was then denied based on the lack of the reaffirmation form. No exception could be made. 
I APPLIED FOR THE HARP LOAN TO REDUCE MY MONTHLY MORTGAGE PAYMENT. 
I WOULD NOT QUALIFY FOR A CONVENTIONAL LOAN BECAUSE I AM RETIRED, Yes retired from BANK OF AMERICA XXXX. 
I am writing because the HARP LOAN was designed to help people in my situation. 
I am asking for some intervention so that I can succeed at reducing my mortgage payment so that I can stay in my home that I built ( much of my own sweat ) many years ago.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Hello, It has come to my attention that the data furnished by XXXX XXXX is inconsistent and not congruent across all credit bureaus, resulting in an inaccurate representation of my credit profile. 

All data that is reported should be congruent and align with each other across the bureaus and reporting agencies. Since the data being furnished is not congruent and does not line up I DEMAND THE REMOVAL of this erroneous information from my credit profile, as it is tarnishing my credit history unjustly. 

As seen below the supporting documents show inaccurate and not congruent payment history/status of this account. For XX/XX/XXXX one bureau ( XXXX ) is reporting a payment versus the other bureau ( Equifax ) is reporting a CO status. This incorrect date and error is confusing me and hindering my financial status! Again since the furnished data is not congruent and there is an error with the reporting information this account MUST BE DELETED. 

This letter serves as my last and final warning regarding the inaccuracies in my credit report before LEGAL LAWSUIT ACTIONS are taken.
Product: Credit reporting or other personal consumer reports

Today, I am rewriting this complaint to TRANSUNION regarding the incorrect information on my accounts. I sent them a letter requesting for investigation of those accounts mentioned, they took more than 30 days to complete and they stated that they had completed the investigation. However, when I pull my recent report I don't see any changes made at all. They claimed that they verified the information but how come that it is verified when the information are inaccurate and fraudulently reported? This is not right. I understand my rights under 15 U.S.C 1681 section 602 A which states that I have the right to privacy and 15 U.S.C 1681 section 604 A Section 2, which also states a consumer reporting agency can not furnish an account without my written instructions. I have also attached the FTC report with the report number XXXX to support this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, after unfreezing my credit reports, I set up a direct payment to clear off two debts that were showing on my credit reports. The companies Seventh Ave and XXXX XXXX both of the same address XXXX XXXX XXXX, XXXX, WI XXXX. As agreed the direct payment was paid to these two accounts via a bank draft. AFTER the accounts where cleared by my bank, the companies came back onto my credit file, first marking the account as paid, then came back later the same day and reported that the accounts where charged off, which is a lie. They were both paid in full.
Product: Debt collection

On XX/XX/XXXX I sent an email about a Cease and Desist to stop all electronic and verbal communications, this was a reply to the email that I received from the " XXXX Company '' on XX/XX/XXXX. I sent the XXXX & XXXX email to their email address who emailed me, which was, XXXX, this email was NOT a " no-reply '' email, so they received the notice. 

Since my request for XXXX & XXXX, I have since received email communications from " XXXX '' on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I sent an additional XXXX & XXXX on XX/XX/XXXX, and have kept receiving communication since then.