23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

BBY/CBNA ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you BBY/CBNA or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : BBY/CBNA or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Product: Mortgage

I was in Covid -19 forbearance, when I exit forbearance I applied for loan modification with Loan care in XX/XX/2021, they still continue to call me asking to pay money {$33.00} to cure default, loan care assigned me a mortgage resolution advocate but its Loan care policy not to transfer a person directly to the advocate, I could not speak with advocate, every time is different person and different facts, XX/XX/XXXX th I e mailed and send certified mail with signature required XXXX pages worth of Paperwork, but its still not good enough. When I called yesterday the representative told me Im missing again and that paperwork form wasnt in the list they requested.Its been XXXX month and I am still trying to submit my application for modification. CFPB made rules to facilitate smooth transition but Loan Care breaks the rules, they are playing with me They call me for paperwork and they already have it, than the representative say they are sorry mam they have it and they are surprised that there is no notes in my files, its going on XXXX th month I can not submit application when I send it via e mail, they say they didnt get it and every person tells me different things, than it expires and still same cycle they say they want to help but they do nothing in reality to help you. I am curious how many loan modification they approved? Im sure many quit because what Loan Care practices is XXXX, XXXX like, their practices do not follow federal regulations.
Product: Bank account or service

A stop payment was a made for a duplicate payment in the amount of XXXX from XXXX XXXX on XX/XX/XXXX, however, the bank failed to return the items. Their rep stated they are not showing as being returned, she submitted a dispute for the charges. It appears XXXX made a duplicate payment, but do not know how or why it happened, XXXX rep ( s ) did not say who made the additional payment for same amount. Again, the bank failed to stop the items and are now showing as posted to the account and overdrawing it. I need these items returned and overdraft fees refunded, there are XXXX pending items which will be charged fees, paid or returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax had a breach of security and my most precious personal information was compromised. Equifax was given this information per agreements with my banks and loan providers without my knowledgeprobably mentioned somewhere in those pages and pages of fine print common in every transaction from television purchases to home financing ( XXXX bless capitalism for giving us too much to read! ) Not that I would have a choice either way. Were I to opt-out of this sharing of information, I 'd be less likely to be approved for an apartment, a home or student loan, and even employment, as my credit history would n't be available to those organizations. 

As this is an official record, I 'd like to say that the Equifax executives who let this go on for months and then sold their stocks before acknowledging the breach publicly should be held accountable and sent to federal prison, but they 'll probably just end up working as senior advisors to the president. 

Thanks, XXXX
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 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 XXXXXXXX XXXX XX/XX/2022
Product: Debt collection

On XX/XX/2022, i received an email from a company called TrueAccord located in XXXX KS stating that i owed {$1000.00} to a company called XXXX XXXX XXXX who is the current creditor to XXXX XXXXXXXX XXXX who originally owned this debt. i responded that i had no idea who TrueAccord was, who XXXX XXXX XXXX is or who XXXX XXXXXXXX XXXX is. I also let them know that I have never had an account with XXXX XXXXXXXX XXXX. I asked for proof of the debt and received a message that TrueAccord was suspending collection efforts and also asked several personal questions which i did not answer. I begin to receive collection efforts via email again on XX/XX/2022 via email. All communication has been to my work email not my personal email. I would like for these communications to cease unless someone can show me proof that this debt even exists. 

Regards, XXXX XXXX
Product: Debt collection

National Credit System - {$8800.00} XXXX {$8800.00} I sent out letters and the companies never sent back the proof I asked for. I have recordings from XXXX, XXXX, and XXXX representatives stating the information is incorrect and that the collections would be removed from my report on XX/XX/year> at XXXX PM. The representative stated that she was removing both accounts from my credit report. I have the recording on my XXXX of the representative stating they will be deleted, but the accounts were never removed. The agent didn't fulfill that promise and that is a direct violation of my consumers rights.
Product: Credit reporting or other personal consumer reports

Since there have been multiple violations of the necessary reporting requirements, my report 's data is not reliable and full. Having stated that, I reject your accusations and challenge you to show me your justification for including this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e 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.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

Summary of Accounts being Challenged in list form : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX  XXXX, They have not done their due diligence and they refuse to go through their records and recorded lines. They are very rapid and rude. They continue trying to reach me over the phone instead of going through CFPB. It seems that the credit agencies are very biased towards the banks even if the consumer has showed in the banks own email, letterhead and all their logos and information that payments have been made. They are causing damage and being malignant in every which way. I can't spend more time fighting these banks even though I continue making payments. 

They are hurting me and my family. I hope you take this very seriously. 

XXXX XXXX XXXXXXXX can't continue doing what they are doing. 

Thanks
Product: Credit reporting or other personal consumer reports

The following inquires are lowering my credit report and prevented me from obtaining bank funding XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion 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
Product: Debt collection

Portfolio Recovery Services calls me constantly and has done so for over a year. Since they are a debt collection company, I assume they are calling for a debt. I do not owe any debts other than a mortgage which I pay on time each month. This company calls a minimum XXXX times per day early morning and late at night. I have logged XXXX different numbers used just in the months of XXXX and XXXX 2015, making blocking of the numbers extremely difficult.
Product: Credit card

I opened my first access credit account in XXXX or XXXX of XXXX  made every payment on time got a screenshot of a payment of XXXX $ bc thats all I owed them for XX/XX/XXXX bill so I had a XXXX balance with first access and made every payment before that XXXX on time and it was being reported to XXXX at that time in XXXX 2022. 
Then I get locked up/ detained and my wallet was NOT ON MY PROPERTY SHEET FOR BALT. Co. Jail so I called in XX/XX/year> and told first access that Ive been a victim of identity fraud and unauthorized use on my card & even made a minimum payment of XXXX $ for XX/XX/year> because first access said they would investigate and I didnt want my credit score to go down. That was on a recorded line through ic solutions that runs the XXXX jail phones now I got XXXX XXXX XXXX REPORTING I OWE XXXX. I got plenty of documents that proves I was in jail & that I informed first access asap SO WHAT XXXX XXXX XXXX & XXXX XXXX XXXX ARE SLANDERING MY CREDIT REPORT AND REPORTING FALSE INFORMATION THAT IS AGAINST THE FCRA. My next step is law suits. 
Now once UNDER THE FAIR CREDIT REPORTING ACT A CREDITOR OR COLLECTING AGENTCEY CAN NIT REPORT FALES INFORMATION THAT THEY CAN NOT VERIFY THAT IS ABSOLUTELY BELONGS TO THE CREDITED MYSELF XXXX XXXX XXXX AND IM ADDING DOCUMENTS WITH THIS BC I FEEL LIKE MY ATTORNEY IS GOING TO HAVE TO FILE A SUITCASE AGAINST BOTH FIRST ACCESS AND XXXX XXXX XXXX BECAUSE ANYBODY WITH XXXX XXXX XXXX COULD SEE WHERE I WAS AND THAT THEIR WAS NO WAY I COULD OF USED ALL MY CREDIT CARDS AND BANK CARDS FROM A XXXX XXXX. XXXX. I will be attaching documents with this complaint and hope we can get first access to report to all 3 bureau, the truth, and that I was never late on a payment until I got incarcerated and also had coverage protection for six months just in case I became unemployed or XXXX. Well, I would say that we count as XXXX being XXXX XXXX XXXX XXXX XXXX at the XXXX XXXX XXXX XXXX, so all three shouldve been reported as paid on time with a zero balance from the time I got the account in XXXX or XX/XX/year> until six months after XXXX when I made a minimum payment myself from over the jail phone like I said, Ill be attaching documents with this complaint, and Im not stopping here. I will also be found a complaint through my state of XXXX  complain for creditors. Hopefully we can get it resolved and first access camera report the truth to all three and hopefully these documents can help and I got a lot more documents and a police report. Thank you for your time and concern in this matter Deeply concerned XXXX XXXX XXXX XXXX Email : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I submitted a dispute on XX/XX/XXXX that was submitted to Transunion on the same date. The results were sent to me on XX/XX/XXXX, which is longer than the 30 days allotted to investigate disputes. The results sent to the the CFPB complaint show " XXXX XXXXVERIFIED AS REPORTED ''. Received XXXX direct dispute results via a secured message from Transunion on XX/XX/XXXX and XX/XX/XXXX. Both results show the XXXX XXXX account was deleted on XX/XX/XXXX and XX/XX/XXXX. Accounts can only be deleted from a consumer report/consumer file once. Therefore, the XXXX XXXX account being verified as reported on XX/XX/XXXX is a false investigative report. This discrepancy shows Transunion did not do any type of investigation, these results are a sham, and are grounds for deletion of other disputed accounts. Do not send any emails or physical mail that my identity can not be verified as I have attached multiple required proofs of identity. I do not consent to more than 30 days for Transunion to meet my demands. Transunion has the 15-day timeframe described in 15 USC 1681i .
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and equifax are showing a XXXX XXXXl amount of {$21000.00} on my credit report as closed. I also filed a claim with them and they responded with the item was being deleted off my credit but nothing is disappearing after 2 months and my updating the system. My social is XXXX, my name is XXXX XXXX.
Product: Mortgage

I fell behind on my mortgage payments due to job loss. They did modify my loan but increased my interest rate which increased my payment. I asked if they could do better than that. I recently had an attorney helping that did nothing for me. So on XX/XX/year> I submitted a complete package to them for review and it was denied that day stating the my wife did not fill out a application so they stated it was incomplete and are refusing to look at it. When I was working with the attorney the attorney just had my wife fill out a non borrower contribution form that was it. That was also sent in the package as well. I believe that they just do not want to help me. This has been such a struggle that I just want to get moving on this. After stating it was incomplete they are stating that it is XXXX days prior.to the foreclosure sale that they will not postpone it.I believe that rule which I read on is about XXXX XXXX XXXX. I know my package is complete.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and TransUnion is reporting 2 accounts on my credit report and they are not my accounts. I never received anything in writing about these accounts from either company or from all 3 major credit bureaus. 

XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

ref to easy money i have been struggling to pay my bills and tried to go in on XX/XX/2019 XXXX brought XXXX dollars into the store at easy money in XXXX Al tried to make payment arrangements with them to pay XXXX a week until loan of XXXX dollars easy money is refusing my payment attempts easy money wants payment in full and won '' t take payments what i can afford to pay thanks easy money isn't so easy to work with and imformed me that they will be selling the debt off and will not let me work
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is not a Third Party. I am requesting that the following accounts be removed. These are fraud, I didnt benefit, apply for, and authorize these accounts. 
XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX  XXXX is fraudulent on my credit Account # XXXX XXXX XXXX  XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX  XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX XXXX  XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX  and TransUnion credit bureaus keep putting these fraudulent accounts back on my credit. These have been reported and claimed to be not mine.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. This Account is in violation of 15 U.S. code 1681A ( 4 ) for consumer right to privacy.This bankruptcy shouldnt be on my credit/consumer report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 


2. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 


3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 


4. there is some inaccurate information reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Delete this account. 


5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Delete this account. 


6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 


7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 


8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 


9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report.
Product: Mortgage

I own a rental property that has two separate buildings, as such I am required to have two separate rental property/homeowner policies. I have send multiple emails, letters, and have had multiple phone calls with the company about this. They have sent me confirmation previously that they understand this. They have currently sent me a notice that they are paying multiple insurance companies, which is inaccurate. On multiple occasions, they continually send me notices that I have insufficient insurance and will be canceling my insurance ( XXXX ) and forcing me to pay for their overpriced insurance. This has happened on multiple occasions, at least yearly, and I am usually forced to call to fix. At this point, there is no way to contact any customer service agents at XXXX, at all, I have tried calling two to three times a day, at multiple numbers, for a week now, and I received nothing but automated systems and responses, with no way to speak to anyone. The contact form on their website sends an automated response, ensuring contact within 48 hours, its been over a week and I've tried twice, no one has addressed the issue, and I have no ability to contact anyone at the company.
Product: Credit reporting or other personal consumer reports

According to GovInfo, 15 USC 1681a ( p ) of Title 15 of the U.S. Code states that financial institutions that provide negative information to a consumer reporting agency must provide written notice to the customer.

The Fair Credit Reporting Act ( FCRA ) also states that consumer reporting agencies should exercise fairness, impartiality, and respect for consumer privacy. For example, section 623 ( a ) ( 6 ) of the FCRA requires that any furnisher who learns their information is inaccurate due to identity theft must notify the agencies of the correct information.

15 USC 1681s2 also states that a person should not provide information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 
I've attached the documents which needs to be removed and viewed properly according to these laws.
Product: Checking or savings account

I opened an account with a promotional bonus offer of {$220.00} and I completed the required conditions to be awarded this but have not been awarded the bonus.