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

I am in the process of trying to refinance my home with my current finance company to lower my payment and possibly lower term of loan. 

On Monday XX/XX/2019 I contacted the three credit bureaus to get the global freeze lifted for five days in order for my fianc company can run credit reports. I did not have any issues with XXXX or XXXX. 

After serval attempts I was finally able to get in contact with Equifax. After explaining to the CSR what I was calling for, I was asked for a few security questions. I answered the question, but was unable to give the Exact date that my bankruptcy over five years ago took affect. I explain to the CSR that I have been in a major car accident and have short-term memory loss due to an injury. I was unable to give her the exact date and I was told that she would not lift the freeze. I questioned Why she never bothered to ask for my six digit pin code, I never received an answer. I was transferred to a supervisor his ID # XXXX I was asked to send a copy of my Social Security card and my drivers license number to them. I told them they should have all the information they need and I was willing to give my six digit code but he would not except my code. He refused to release the lift on my credit although I told him Im trying to refinance get my house no lower due to the fact I am XXXX now, he still refused without my sending copies of my Social Security card and my drivers license to them. I refuse to send a copy of my license and my Social Security card to a complete strangers that I could hardly understand due to their Accent At this time I am still unable to get them to release my global left and I am having difficulty refinancing my house due to this issue. I do not understand why they would need a copy of my drivers license and my Social Security card which is basically given him all of my identity just to get them to lift a global freeze on my account, after all the other credit bureau companies Never requested copies of my social security card and my drivers license.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting incorrectly that I am ( 120 ) days past due on the XXXX partial account numbers ****XXXX  ; XXXX ; XXXX ; XXXX ; and XXXX. Please see pages attached from my credit report. ) First, these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureau and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureau to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XX/XX/2016 This account is showing up negative on my XXXX report. Please make them verify whatever they are reported on my account. 

XXXX XXXX XXXX XX/XX/2016 XXXX XXXX  XXXX XX/XX/2016 XXXX XXXX XXXX XXXXXXXX XX/XX/2016 This is a charged off account. Why is it on my credit report. I need proof of the original contract if they think it is my account. 

XXXX XXXX  XXXX XX/XX/2016 This is a charged off account. Why is it on my credit report. I need proof of the original contract if they think it is my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 2 letters telling them to remove these inquires that I did not authorize they have totally refused to do this that the credit reporting agency has to do this. I want verification of that I gave to them to do a Hard Pull on my credit report, if they don't have this verification I want the inquire to be deleted now off my credit report
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 Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights. Or 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 or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI, XXXX XX/XX/XXXXXXXX XXXX Dispute Department XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information on Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report issued by your bureau. The specific account in question is listed as XXXX XXXX XXXX XXXXXXXX with account number XXXX. 

Upon reviewing my credit report, I noticed a significant inaccuracy in the reporting of this account. Specifically : The payment history indicates charge-offs ( CO ) for every month in XXXX, XXXX, and XXXX, yet the balance and status appear unchanged as {$5200.00} since XX/XX/XXXX, when the account was first charged off. 
According to the provided details, the balance has remained the same with no further updates, and the scheduled payments were listed as {$0.00} during the same period, yet monthly charge-offs are still being reported inaccurately. 
This inconsistency suggests that the account is not being updated correctly and violates the accuracy standards set forth under the Fair Credit Reporting Act ( FCRA ). 

I kindly request an investigation into this matter and ask that the inaccurate entries, including the redundant charge-off notations, be corrected or removed promptly. Enclosed, I have included copies of my credit report highlighting the inaccuracies for your reference. 

Please provide me with a written confirmation of your investigation results and any updates made to my credit report. If you require further information or documentation to complete this dispute, feel free to contact me at [ XXXX ] or [ XXXX ]. 

Thank you for your attention to this matter. I look forward to resolving this issue promptly. 

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

XXXX, XXXX and Experian are reporting a charged off account on my credit report. the original credit is XXXX XXXX XXXX This account is over it statue of limitations to collect this debt and to be reporting on my credit report! I have asked several times for them to remove this information but for some reason they seem to continue to re-age the account. I am trying to purchase a home and this account is the only thing standing in my way. I have done everything that I can do to try to pay the debt including contacting XXXXXXXX XXXX informed me that they could not find the amount owed and that the account was over its statue of limitations to collect. And the Collection agency who had the account, informed me that the account was over its statue of limitations and they could not collect the debt. therefore there is no debt.
Product: Money transfer, virtual currency, or money service

I did a wire transfer from my Bank of America account to XXXX XXXX  in XXXX. The wire did not go to recipient. It turns out that XXXX XXXX  gave the wrong XXXX number. They admitted their fault and returned the funds. I was given a return reference number to provide to Bank Of America. This has been going on for XXXX weeks and the {$20000.00} has not been returned to my account. Bank of America seems to be unable or unwilling to resolve. I have spoken to them at least 7 times with no resolution.
Product: Checking or savings account

I received my child tax yesterday on my chase card. I try to get money for car and I can't access it. My sister accidentally pressed the fraud column on a transfer we already did I think it was XX/XX/XXXX but I was told I can't take her to the bank and withdraw the claim I don't believe or understand how or why she can't do it inside the bank instead of waiting for fax to be received
Product: Credit reporting, credit repair services, or other personal consumer reports

Merchants Adj services continue to report a debt in my name. XXXX handles all payments in full. XXXX determined I should not have any bill being reported to the credit reporting agencies as there is a legal agreement with the medical agencies and XXXX that prohibits these types of actions. Merchants Adj services continues to report this account in my name anyways to all 3 credit bureaus. Im a XXXX senior and I am not able to resolve this without seeking the CFPB portal for help.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$240.00}, XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance : {$1100.00}.
Product: Credit card

I applied for the XXXX XXXX XXXX  card credit card. I was approved. After that I received a email from Barclays which appears to be the bank managing the XXXX credit card. Then I gave them by phone a different address to send the card since I dont get mail on my phisical address which was the address asked on the application. After that they locked my account and asked for additional information. They asked for copies of my drivers license, proof of address and SSN card. They asked that all this documents to be send by mail as my only option. I told them I cant send my personal information by mail cause this is not acceptable cause my personal information can be in risk of getting stolen or lost on the way. Then they keep saying its the only way to activate the card. First of all, the bank should have a way to confirm my SSN information based on the information available publicly. I have over 7 credit cards and none of them ever asked me to send a copy of my SSN by mail. This doesnt sounds like common sense, acceptable and legal. Things got worse when today I received an email from them with an information about my statement. And they are charging me {$99.00} for the annual fee. How I can be charged for the annual fee if I dont even have an active credit card since they dont wan na activate my card cause the only options they give me is sending my personal information by mail. I feel uncomfortable, abused and that I am being disrespected regarding my personal information. In addition to everything, I am being charged unduly for an annual fee for a card that could not even be activated. It seems to me that some banks or credit card companies believe they have the right to request information arbitrarily. There seem to be no limits or rules that clearly define what these companies can or can not do. Whats the responsibility of XXXX XXXX in all this? Whats the responsibilities of XXXX in all this? who will be held accountable for this whole situation?
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 Experian and XXXX   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

I sent out a request to Experian on XX/XX/XXXX to validate that everything is accurate and verified on my credit report. They sent me back stating that everything is correct and verified. There are still inaccuracies on my report. 

According to the fair credit reporting Act 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. 

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. I filed a complaint with the CFPB on XX/XX/XXXX and attached documents that also proved these accounts were in fact inaccurate. I requested these accounts to be deleted from my credit report. This did not happen. I then sent a request for Reinvestigation XX/XX/XXXX to verify that these accounts were verified as accurate. They all came back updated and verified but are still showing major inaccuracies. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX is supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws:15USC 16811i, 15USC 1681i5, 15 USC 1681eb , DELETE THESE ACCOUNTS! 
XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( original XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Utah XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ATTACHMENTS
Product: Debt collection

My rights has been violated and described in the affidavit thats attached. I have received numerous phone calls and letters in the mail about a debt that this company is attempting to collect. It has been reported on my credit report since XX/XX/2021. I have also received multiple phone calls after informing them to stop. That is another violation. My most recent phone call from them was on XX/XX/2021 at XXXX XXXX XXXX XXXX time.
Product: Mortgage

RoundPoint Mortgaging has continually mismanaged my escrow funds. 

After three months of calling them, they have still yet to pay my insurance premium on my condo. It was due XX/XX/2019 and as of XX/XX/2019 it is still unpaid ( the last day my insurance company has extended my payment window to ). 

Additionally, I sent, resent, and called to confirm that the received my property tax information. They missed the first tax payment date ( XX/XX/2019 ) and paid it finally XX/XX/2019. As of XX/XX/2019, they have still not made the second quarterly payment which was due XX/XX/2019. 

They are also maintaining that I will be charged a higher interest rate if I opt out of their escrow services.
Product: Debt collection

Southwest Credit Systems LP is the debt collector that took over the account for XXXX. I have attempted to resolve the issues with the previous Collector agency. However, the account has now been switched over to XXXX XXXX XXXXXXXX XXXX. The account initiated with XXXX XXXX should not have a balance. I requested that services be discontinued after experiences technical difficulties upon visiting the Local Authorized dealer immediately after a resolution was not meet during my visit. However, XXXX XXXX continued to charge the account resulting in a collection account. Extremely unethical procedures. 

I switched over to XXXX XXXX due to convenience and fixed rates. I was able to walk in the authorized store, pick up a XXXX and begin remote work. I am beyond appalled with XXXX XXXX 's resolution. XXXX XXXX did not take accountability for the outdated equipment and lack of customer support. There is no reason why as a new customer I should have to pay for an upgraded XXXX tower only a few months within. This is extremely unacceptable. After my multiple horrible experiences with T Mobile, I can imagine why T Mobile is not BBB accredited. I attempted to address my issues with T Mobile, prior to requesting that services be discontinued in the same manner, as I attempted to resolve this current complaint. My relationship with T Mobile has been destroyed to an unthinkable level, due to the poor technical support, outdated XXXX WiFi system and the XXXX XXXX XXXX ( M.R. ). All these issues were totally out of my control. As I mentioned during my conversation with the XXXX XXXX XXXX XXXX. ( M.R. ), I work remotely and these multiple IT issues with T Mobile WiFi XXXX caused me a great deal of stress and hardships both physically and mentally. I was forced to use accrued leave and suffered no pay due to these many IT issues. 

As a Consumer I have adhered to what was expected of me. I notified XXXX XXXX of my issues and request to discontinue services. I also return XXXX XXXX 's equipment as required. 

My relationship with XXXX XXXX has been destroyed. I am seeking CFPB assistance in removing the collection account from my history and removing all existing accounts, personal information etc., from T Mobile and its subsidiaries.
Product: Credit reporting or other personal consumer reports

Presence of those unauthorized accounts and enquiries made me feel very anxious about my financial health. The credit report needs to be accurate because it tell the world of lenders what we have done with our money management. I, therefore, ask that an immediate investigation and removal of the following inaccuracies and unauthorized accounts/inquiries be done immediately. 


XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX, CA XXXX XXXX XX/XX/year> Capital One Attn : Dispute Department XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX Subject : Formal Request for Debt Validation and Correction Account Ending in XXXX Dear Sir/Madam, I am writing regarding my Capital One account ending in XXXX, which was closed on XX/XX/year>, but continues to be reported inaccurately on my credit report. 

Upon reviewing my credit report, I have noticed the following discrepancies : The reported balance is {$720.00}, which exceeds my credit limit of {$300.00} ( 242 % of my limit ). 
My last payment was made on XX/XX/year>, yet my account continues to reflect a late payment status of XXXX days as of XX/XX/year>. 
The worst payment status reported is XXXX days late, despite my efforts to resolve this matter. 
Additionally, the remarks section on my credit report indicates that the dispute has been resolved by the grantor, yet the information remains incorrect. 

Under the Fair Credit Reporting Act ( FCRA ), I request the following : Validation of the reported debt : Please provide documentation that verifies the accuracy of the reported balance, including a detailed breakdown of the charges, interest, fees, and payments applied to the account. 
Correction of inaccurate reporting : If you are unable to validate the debt, I respectfully request that you correct or remove the inaccurate information from my credit report. 
Clarification of closed account status : Since this account has been closed since XX/XX/year>, please confirm why there is still a balance being reported and late payment information beyond the closure date. 
I expect your response within the XXXX period, as mandated by law. If I do not receive proper validation of the debt, I will be forced to escalate this matter through the appropriate regulatory bodies, including the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and potentially pursue legal action to protect my rights under the FCRA. 

Please direct all correspondence regarding this matter to the address listed above or my email at XXXX. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Account Number Ending : XXXX
Product: Debt collection

I have an unverified account from XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX  Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.