23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I contacted the company back in XXXX after losing my job and they offered to help via a Mortgage Assistance form. I was provided an email address, fax and mailing address to send to. The email bounced, so I reached back out to them and got a message that said We are experiencing higher than normal call volume, please call back during non-peak hours. These non-peak hours are never stated, the system simply hangs up. 
I finally managed to get through and was given yet another email, which did not appear to bounce, and didnt receive any calls asking for more info. This lasted a week or two, then got an automated call asking me to call them. I call and got the high call volume message, and it hangs up. This went on for several weeks before I got someone again, who gave me yet another email. I sent, waited and this started all over again. I got through on Monday, XX/XX/XXXX and was told my house is in foreclosure, no date assigned yet. They said they can still help, send the documents to stop the Foreclosure and I sent. Ive now called everyday this week and gotten right through, but depending on who I speak to, they either have or dont have the documents, OR they need documentation that the form I filled out says they dont need. I had to call 3 times to get to a supervisor just today, and 2 out of 3 times they saw documents, the last lady saw none. 
I do not wish to lose my house because of company errors. I did what was asked and then some.
Product: Credit reporting, credit repair services, or other personal consumer reports

Report received from LexisNexis has information that belongs to XXXX XXXX. This information is on XXXX XXXX and XXXX XXXX reports from Lexis Nexis. 

XXXX XXXX neither one of us. This incorrect reporting has caused our insurance to excessively higher, quotes higher and denied insurance. Insurance agent called XX/XX/XXXX saying it Show XXXX and XXXX as the same person. I advised them to look at the birth dates, XXXX was XX/XX/XXXX and XXXX is XX/XX/XXXX. Only after that she recognized the birthdate wasn't XXXX XXXX. This has caused serious financial hardship. I will be speaking with an attorney for legal action to recover financially.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello - I really need your help on this. I mailed letters to XXXX, XXXX  and TransUnion on XX/XX/2021, specifically about inaccurate and unverifiable items on reporting on my credit report. I understand Covid 19 has delayed many, while short staffing others, but it has been well over 45 days and I have not received a response validating the inaccurate and unverifiable items. I was told the burden of proof is on the data furnisher so please help me get the proof to their claims. Not that familiar with the law, but I did see section 611 in the fcra, it says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 45 days these accounts MUST be deleted immediately, especially without merit or validation. I demand these accounts be deleted immediately or undated accordingly. If not, I will explore all legal options, I not limited to litigation due to the XXXX XXXX this is causing me and my family. 

I would like the items I disputed in my letters to be handled by the instructions of the accounts and be removed from my credit report immediately. Thanks for your assistance and take care duiring Covid 19!
Product: Credit reporting or other personal consumer reports

I opened a credit card with XXXX card from XXXX XXXX XXXX ( hereafter known as XXXX XXXX ). I made a couple of purchases using my iphone which had gotten automatically linked to the XXXX XXXX I should have gotten a monthly statement of bill by mail to make my card payment. I did not get any such bill for months. They were sending statement by email which was going to my XXXX folder so I was not aware. As I was not aware of the monthly due amount I was unable to pay the bills. XXXX XXXX finally after 90 days of not receiving the payment reported it to credit reporting agecies which adversely affected my XXXX score which had been meticulously built over the last XXXX decades. 

In all the time not once did XXXX card mail me a bill or a notice of past due to my home mailing address. If they had I would have paid the bill right away. I found out about the outstanding bill when a mortgage company pulled my credit report and saw this late ite. I was surprised and taken aback. I settled the bill including interest right away upon learning of it. 

I wrote to apple card to show a XXXX time consideration to withdraw the delinquency to not impact my impeccable credit history but they refused. This is clearly their fault for not having corresponded by mail when a bill was due. 

I request your help in restoring my credit history. I am in the market to buy a home and it is impacting my ability to get a good mortgage.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. 
XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  ( Bank ) XXXX XX/XX/XXXX XXXX XXXX  ( Bank ) XXXX XX/XX/XXXX XXXX XXXX ( Finance ) XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2017 XXXX XXXX XXXX XXXX PLACED AN ACCOUNT ON MY CREDIT REPORT.  I FOUND OUT THAT IT IS ILLEGAL FOR XXXX XXXX TO OPERATE IN MY STATE AFTER THEY DEBTED MY CHECKING ACCOUNT WITHOUT CONSENT ON XX/XX/XXXX. IN ADDITION THEIR COLLECTION AGENCY XXXX ALSO CANNOT OPERATE LEGALLY IN MY STATE ACCORDING TO THE CODE IN MY STATE OF VIRGINIA va 6.2-1501 AND va 6.2-1541.  I DO NOT PLAN TO PAY XXXX XXXX  ANYMORE FUNDS AS I HAVE PAID XXXX EVERY MONTH FOR FIVE MONTHS; WHICH COVERED THE PRINCIPAL OF THE LOAN.
FUTHERMORE AFTER REACHING OUT TO XXXX XXXX TO REVOKE THE ACH DRAFTS FROM MY ACCOUNT  AND RECIEVING CONFIRMATION VIA EMAIL THAT THEY WOULD CEASE DRAFTS, THEY CONTINUED TO MAKE ANOTHER DRAFT FROM MY ACCOUNT CAUSING OVERDRAFT FEES AND STOP PAYMENT FEES.
Product: Checking or savings account

I was scammed for {$400.00} on XX/XX/XXXX. I saw this when chase sent me a message that my account was lower than {$100.00}. I checked the app and {$400.00} was missing and sent to a random person. I called customer service and they were extremely rude. People hung up on me and told me I made this charge based on logging into my account. The next few days I see a charge of {$1000.00} as well as a check my job gave me reversed. I called several times and no one is helping me at all to get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Equifax. Besides, the inaccurate information about my account is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Balance : {$93.00}
Product: Credit card or prepaid card

I relocated my business early in 2023. At the time, I notified all interested parties of my change in contact information, including my new address. I encountered no issues with any of the ( numerous ) parties updating this information -- except or Capital One. On my XXXX or XXXX phone call, I was finally assured that my account information was updated. 
I recently moved my residence. Once again, I notified all interested parties of my new contact information. Once again, I encountered no difficulties -- except for Capital One. 
In the course of my phone calls with them, I learned that they in fact never updated my address the first time -- and were unwilling to do so unless I purchased new technology that would conform with their protocols. I am unable to provide the " verification '' which they require unless I text or email them my driver 's license or something similar. I am unable to do so, so they tell me I'm out of luck. I have literally spent multiple hours on numerous phone calls only to get nowhere. It is clear that is exactly where the company wants me to get. To be fair, the unfortunate employees with whom I have conversed have all done their best to assist me and were very polite. It is clear that their hands are tied. 
I have been a customer with Capital One for decades. I have never cashed in any of my points, but had been anticipating doing so as I segue into XXXX ( I will be XXXX XXXX XXXX next month ). 
I am concerned for my fellow XXXX citizens who may also be unable to surmount the same obstacles ... causing them to pay their bills late, damaging their credit ( with the potential myriad effects upon their lives ) and have their accounts terminated ( losing points collectively potentially worth XXXX XXXX XXXX XXXX XXXX that they may have been accumulating for decades, like myself ). 
Capital One 's inflexibility on this issue is unlikely to be coincidence. I believe that they are intentionally attempting to exploit XXXX citizens ( who are well-known to frequently struggle with technology and often lack the know-how or resources to purchase new technology ) for profit. At the very least, company superiors must be aware of this consequence and like it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This loan was originally obtained in XXXX. The loan first became delinquent on XX/XX/XXXX. I obtained a copy of my XXXX report on XX/XX/XXXX to see what was on it. the account was reported as delinquent since XXXX as expected. The account was due to be removed from my credit report on XX/XX/XXXX and today on XX/XX/XXXX I once again checked my report and noticed that the creditor XXXX erased all of the previous reported missed payments from my report and re-reported the account as being delinquent only as of XXXX. I contacted XXXX  via telephone and the representative notified me that as of XX/XX/XXXX XXXX reported that I was only 180 days late on the account. By my calculation a delinquency from XXXX does not equal 180 days late. The creditor is try to keep the account on my credit report longer that legally allowed by reporting fraudulent information to XXXX. I have disputed this account on 4 different occasions asking for proof of contract between myself and this agency without any luck in obtaining that information. My original creditor was not this agency that is currently trying to collect on this very old debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE UNAUTHORIZED INQUIRIES REPORTED ON MY CREDIT REPORT. 
EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) I NEVER AUTHORIZED SUCH ACTION, AND THIS CONSTITUTES A VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT 604 AS WELL AS A VIOLATION OF MY RIGHTS TO PRIVACY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One Auto Finance # XXXX is reporting an incorrect balance on my account. This account has been settled and paid off and should no longer be reporting a balance to my credit report.
Product: Checking or savings account

My checking account with XXXX  XXXX XXXX was closed and paid in full {$17.00} and this negative account needs to be removed off my credit reports and Chexsystem reports
Product: Debt collection

in accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states i have the right to privacy.

15 USC 1681 Section 604 A Section XXXX : it also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a over due balance account under an open end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding multiple instances of identity theft involving accounts fraudulently opened in my name with XXXX. These unauthorized accounts have caused significant distress and have negatively impacted my credit report. 

Recently, I reviewed my credit report and discovered several XXXX accounts that I did not recognize. These accounts were opened using an address and phone number that do not belong to me. I have never authorized these transactions and have no knowledge of these accounts. 

Upon discovering the fraudulent activity, I took the following steps to address the issue : XXXX. Contacted XXXX : I promptly contacted XXXX to inform them of the fraudulent accounts. I provided proof of my identity and detailed information about the unauthorized accounts. Despite my efforts, these accounts remain unresolved. 
XXXX. Filed a Police Report : I filed a report with my local police department to document the identity theft. The police report includes all relevant information about the fraudulent accounts and unauthorized activity. 
XXXX. Placed a Fraud Alert : I placed a fraud alert on my credit reports with Equifax, XXXX, and XXXX. This alert notifies potential creditors to take additional steps to verify my identity before opening new accounts. 
XXXX Credit Freeze : I froze my credit with all three major credit bureaus to prevent further unauthorized accounts from being opened in my name. 
XXXX. Filed a XXXX  Complaint : I submitted a complaint to the XXXX XXXX XXXX XXXX XXXX XXXX against XXXX, detailing the fraudulent activity and requesting their assistance in resolving this issue. 
XXXX. Gathered Documentation : I collected and attached all relevant documents and evidence to support my claim, including my police report, identity theft affidavit, and correspondence with XXXX. 

Despite taking these steps, the fraudulent accounts are still present on my credit report, causing ongoing financial and emotional distress. I am seeking immediate assistance from the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter thoroughly and facilitate the removal of these unauthorized accounts from my credit report. 

I request the CFPB to take the necessary actions to ensure that these fraudulent XXXX accounts are removed and that my credit is restored. Additionally, I seek guidance on any further steps I should take to protect my identity and prevent such incidents in the future. 

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

I submitted a letter to XXXX regarding a deletion of a trade line per creditor agreement on XX/XX/2021. Per XXXX credit report information is not accurate on credit report. Valid documents have been provided. XXXX XXXX XXXX agreed to delete the trade line per payment agreement. Letter and payment information have been submitted. I need this trade line removed off my credit report as per agreement. 

Thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Federal Trade Commission XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute Letter Regarding Equifax Violations and Non-Compliance Dear Sir/Madam, I am writing to formally dispute the practices of Equifax and report multiple violations concerning their non-compliance with the Fair Credit Reporting Act ( FCRA ). I believe that their actions may constitute fraudulent behavior, and I urge the FTC to investigate these practices.

1. **FCRA Violations** : Under the FCRA ( 15 USC 1681 ), consumer reporting agencies ( CRAs ) are mandated to ensure the maximum possible accuracy of the information they report. Negligent non-compliance with these requirements can lead to civil liabilities, including damages and attorney fees. Equifax has repeatedly failed to uphold these standards, resulting in inaccuracies that adversely affect consumers. 

2. **Fraud vs. Inaccuracy** : Fraud involves intentional deception for personal or financial gain, necessitating evidence of deliberate intent. However, inaccurate reporting may stem from willful non-compliance with established regulations. Equifax 's failure to correct inaccuracies within consumer reports raises concerns regarding their intent and adherence to the law. 

3. **Liability for Non-Compliance** : - When a credit bureau knowingly provides false information or actively avoids correcting inaccuracies for financial or malicious purposes, this aligns with fraudulent behavior. 
- For example, if Equifax ignores verified disputes while continuing to sell inaccurate reports to creditors, this could represent intent to deceive creditors and harm consumers. 
- A violation is considered egregious when it contradicts authoritative guidance from relevant agencies. It may also be deemed reckless conduct if the credit reporting agency knew or should have known they were violating the FCRA. 

Given these points, I kindly request that the FTC investigate Equifax 's practices and take appropriate action to ensure compliance with the FCRA. The protection of consumers is paramount, and it is crucial that credit reporting agencies uphold their legal obligations. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely
Product: Credit card

The format was not readable for Case number : XXXX, could you resubmit,
Product: Checking or savings account

I sent a copy of my check stub for this pay period week XX/XX/year>. It goes all the way back to XX/XX/year>. When my checks started coming up short and then my job deposits my checks into my chime account and my pay didn't match what was going into my chime account.
Product: Credit reporting 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 from erroneous reporting in my file 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX  AND TRANSUNION ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT ACCOUNTS, INQUIRIES AND COLLECTION ON MY CREDIT FILE : Fraudulent Collections Accounts : XXXX -- -- ->Date Opened -- -- -- >XXXX XXXX   XXXX XXXX : XXXX -- -- ->Date Opened -- ->XX/XX/XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX: XX/XX/XXXX-XXXXXXXXXXXXXX -- >Date Opened -- -- >XXXX XXXX XX/XX/XXXXXX/XX/XXXX : XXXX -- -- -- >Date Opened -- -- >XXXX Fraudulent Inquiries : XX/XX/XXXX- CARD SERVICE -- >Inquiry date -- ->XXXX XXXX XXXX XXXX -- -- >Inquiry date -- -- > XXXX XXXX XXXX XXXX  -- -- ->Inquiry date -- ->XXXX XXXX XXXX XXXX -- -- ->Inquiry date -- ->XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX-- -- ->Inquiry date -- -- ->XX/XX/XXXX   XXXX XXXX XXXX XXXX -- -- ->Inquiry date -- ->XX/XX/XXXX XXXX XXXX -- -- ->Inquiry date -- -- XXXX XXXX XXXX -- -- -- ->Inquiry date -- -- XXXX XXXX - XXXX  XXXX -- -- ->Inquiry date -- ->XXXX XXXX XXXX XXXX -- -- ->Inquiry date -- ->XXXX XXXX XXXX XXXX  USA  -- -- ->Inquiry XXXX -- -- >XXXX XXXX XXXX -- -- ->Inquiry date -- -- ->XX/XX/XXXX XXXX XXXX -- -- ->Inquiry date -- -- >XXXX XXXX  XXXX -- -- ->Inquiry date -- -- >XXXX XXXX -- -- -- >Inquiry date -- -- >XXXX XXXX -- -- -- ->Inquiry date -- XXXX XXXX  XXXX  -- -- ->Inquiry date -- -- >XXXX XXXX XXXX  -- -- -- >Inquiry date -- -- XXXX XXXX   XXXX -- -- -- >Inquiry date XXXX -- XXXX XXXX XXXX XXXX -- -- -- >Inquiry date -- XXXX XXXX -- -- -- ->Inquiry date -- -- XXXX XXXX XXXX/XXXX  XXXX  -- -- -- >Inquiry date -- -- XXXX XXXX XXXX  -- -- ->Inquiry date -- -- >XXXX XXXX/XXXX/XXXX  XXXX -- -- -- >Inquiry date -- -- XXXX XXXX/XXXX  -- >Inquiry date -- ->XXXX XXXX XXXX XXXX XXXX/XXXX  -- >Inquiry date -- ->XX/XX/XXXX XXXX  -- -- -- -- >Inquiry date -- -- >XXXX Fraudulent Address : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXX Fraudulent Names XXXX XXXX, XXXX, XXXX XXXX , XXXX XXXX, XXXX
Product: Debt collection

First Heritage has my phone number but instead they call my job every day sometimes twice a day and almost has made me loose my job this is not cool at all. I have asked them to stop they will not do it.. 

First Heritage Credit XXXX XXXX XXXX  reviews Loan agency in XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hours : Open Closes XXXX Phone : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, there are several incorrect information seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that reporting unverified information without any proof provided within the time allowed by law is not authorized. The inquiries and personal Information listed are inaccurate and needs to get deleted 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX