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

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification, but I got no response because this is erroneously reported for, they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Product: Mortgage

My mortgage got transferred to Flagstar Bank recently. My previous mortgage servicer had all the insurance documentation regarding my community. Instead of getting the documentation from my previous servicer, Flagstar bank has sent a letter to me requesting the info. The sad part is you can't even upload the documentation thru website. I called customer service and it took 30-45 mins to route the call to an agent to understand what documentation is being requested. Also, the address in the document where Flagstar bank is requesting is a PO BOX and doesn't appear to be a legitimate address.

My concern is this bank might be running a scam by sending letters like this and then fraudulently signing up customers to insurance that is not needed. I'm not comfortable with the way in which the insurance documentation is requested with no proper means to collect the documentation.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 a credit account was opened in my name by someone other than myself at XXXX XXXX XXXX XXXXXXXX XXXX ). I caught it almost immediately and I contacted their fraud department. After a brief investigation, I received a letter from the company 's fraud department on XX/XX/2023 stating " The account in your name has been closed '' and " we have notified the consumer reporting agencies to remove the account from your consumer credit report ; however this process could take several weeks to be fully completed ''. 
On XX/XX/2023 I noticed that the XXXX on my Equifax credit report was still there so I filed a dispute. Equifax sent me a report stating that " inquiries are a factual record of file access ''. I then contacted the fraud investigator at XXXX XXXX ( I have the case number and her contact info if needed ). She said that the case has been closed and that her records indicate that a request to remove the credit inquiry was already sent to Equifax and there is nothing else that she can do. 
I then filed a 2nd dispute with Equifax explaining the situation and sent them a copy of the letter I received from XXXX XXXX 's fraud department. This morning, XX/XX/XXXX, I received the same report from Equifax " inquiries are a factual record of file access ''. 
I called Equifax and they said that when you file a dispute online, it is sent to the creditor to confirm or deny. From what I understand, XXXX XXXX is confirming that the inquiry is legitimate- I am assuming it is a different department and they still have it in their system. Equifax told me that they wont do anything to help me remove the inquiry without supporting documentation. This is very frustrating since I already sent them the fraud letter. Their recommendation was to file a report here. I am not really sure where to go from here.
Product: Credit reporting

I SENT IN THESE LETTERS FROM EACH CREDITOR, DIRECTLY TO EQUIFAX IN XXXX BIG ENVELOPE, THE CREDITORS HAVE ADMITTED TO MAKING ERRORS ON MY REPORT. THE FALSE INQUIRIES WERE SUPPOSE TO HAVE BEEN REMOVED BY NOW AND THEY NEVER HAVE. ITS BEEN WAY OVER 30DAYS NOW.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  are reporting incorrectly a collection/charge-off in the amount of {$750.00} on the XXXX XXXX   partial account number XXXX. ( Please see page attached from my credit report. ) I was never billed from the apartment complex and I was never given an itemization. I gave a ( 60 ) day notice to vacate the premises per the rental agreement and prior to leaving I verbally spoke with the complex manager and was told that everything was in order and that the premises was in excellent condition. This collection is being reported in error and is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 )  bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ( XXXX XXXXr : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ***, XXXX XXXX XXXX *, XXXX XXXX XXXX XXXX *** and ( Original XXXX : ) XXXX have violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX
Product: Credit card or prepaid card

I just received an email from Capital One regarding my credit card limit. The email states that because I have only been using a small portion of credit, that they are reducing my credit limit. 

This will impact my credit rating unfairly. 

I called the company, but was told that there was nothing they could do about it. 

In essence, I am being penalized for responsible credit utilization!
Product: Credit reporting or other personal consumer reports

Every company but XXXX removed the fraudulent inquiries but none of them are reported that right information they have 16 on their none of the agencies are reporting the same information and none of it is credible or reliable or accurate and I'm tired my name has been in numerous data breaches and none of the agencies are trying to fix anything for me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in multiple certified letters about a bankruptcy that they are reporting inaccurate information on my report I have ask for them to send me a method of verification to show proof they continue to REPORT INACCUARATE INFORMATION and refuse to verify the information which is a violation because they have to get it verified thru the original handler which would be the us bankruptcy court. so they are already in violation and refuse to send me a real validation and that is my right.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( # XXXX ) To Whom It May Concern, I am formally disputing the reporting of the XXXX XXXX XXXX account ( # XXXX ) on my credit report. Upon reviewing my report, I found inaccurate and inconsistent payment reporting that violates the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ).

Legal Basis for Dispute FCRA 611 ( 15 U.S.C. 1681i ) Right to Dispute Inaccuracies I request a formal reinvestigation of this account. 
If XXXX XXXX XXXX can not provide verifiable proof of accurate reporting, this item must be deleted from my report.

FCRA 609 ( 15 U.S.C. 1681g ) Right to Verification I demand the following documents : A complete payment history with dates and amounts. 
Original creditor agreements proving I am liable for this debt. 
Documentation justifying the reported late payments. 
FCRA 623 ( 15 U.S.C. 1681s-2 ) Duty of Furnishers to Report Accurate Information XXXX XXXX XXXX is legally required to ensure the accuracy of the information reported to credit bureaus. 
If they can not validate these late payments with proper documentation, they must remove them immediately. 
FDCPA 807 ( 15 U.S.C. 1692e ) Prohibition of False or Misleading Representations If this account is reported inaccurately or misleadingly, it may be a violation of federal law, subjecting the furnisher to legal consequences. 
Requested Action Correct or remove any inaccurate late payment history. 
Provide a full verification of the accounts reporting accuracy. 
Respond within 30 days as required under the FCRA.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint and request an investigation into the actions of XXXX XXXX XXXX regarding my credit report. I have recently discovered several discrepancies that I believe are in violation of consumer protection laws and credit reporting regulations. 

Account Information : Creditor : XXXX XXXX XXXX  Account Open Date : XX/XX/XXXX ( Experian & XXXX ), XX/XX/XXXX ( XXXX ) Closed Date : XX/XX/XXXX ( XXXX only ) Date of Last Activity : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian ), XX/XX/XXXX ( XXXX ) Date Reported : XX/XX/XXXX ( XXXX & Experian ), XX/XX/XXXX ( XXXX ) Credit Remark : Reported as a loss by credit grantor ( Experian ) Last Payment Date : XX/XX/XXXX ( XXXX & Experian ), XX/XX/XXXX ( XXXX ) The following issues indicate non-compliance with relevant consumer protection laws and credit reporting guidelines : Discrepancies in Last Activity Date : The date of the last activity on my credit report is stated as XX/XX/XXXX for XXXX, XX/XX/XXXX for Experian, and XX/XX/XXXX for XXXX. Such a significant difference in the last activity date is concerning, as it suggests inconsistencies in reporting across the three major credit bureaus. This lack of uniformity raises questions about the accuracy and fairness of the information reported, potentially violating the Fair Credit Reporting Act ( FCRA ). 

Inaccurate Credit Remark : The credit remark stating " reported as a loss by credit grantor '' by Experian is misleading and potentially damaging to my credit history. This remark is not only unclear but may be inaccurate, violating the FCRA 's requirement for creditors to report accurate and fair information. 

Date of Closure Discrepancy : The account closure date is reported as XX/XX/XXXX by XXXX only, with no corresponding information for XXXX and Experian. This disparity creates confusion regarding the status of the account, making it difficult to ascertain the account 's history and compliance with the FCRA 's regulations. 

I kindly request that the Consumer Financial Protection Bureau investigate these discrepancies and potential violations of the Fair Credit Reporting Act. Furthermore, I would appreciate your assistance in addressing and rectifying these issues with XXXX XXXX XXXX, to ensure that my credit report accurately reflects my financial history in accordance with the law. 

Please find enclosed copies of my credit reports from XXXX, Experian, and XXXX, highlighting the discrepancies for your reference. 

Thank you for your prompt attention to this matter. I look forward to your response and any guidance on how to proceed in resolving this issue.
Product: Debt collection

I received a phone call at XXXX XXXX XXXX, 2015 from a XXXX XXXX who said she represented Delaware XXXX which is a law firm, supposedly. She said she had a summons for a court appearance but said if I agreed to make payment arrangements she would confer with the other attorneys to stop the summons. My boyfriend stopped me from giving her my banking information, I gave him permission to speak to since he has some training in law. She got very hostile and rude. He hung up with her and told her not to call back in front of me and my mother. She called back about five other times all with the intent to harass me in violation of the fair debt collections act. I finally told her to stop calling and that it was being documented each time she called and she hung on me. I also asked for written verification of the debt and she refused to give it, all she said was she would refer the matter back to the attorneys if I did n't make a payment.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX filed judgment XXXX against us even though we had already filed Chapter XXXX and loan was discharged XX/XX/XXXX by XXXX XXXX XXXX United States Bankruptcy Judge
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to XXXX, XXXX and TransUnion on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 33 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Product: Credit card

My XXXX  had a credit card with this company. When he passed away, the account was closed and a refund check was issued in his name on the account. He did not have a will or a beneficiary on the account. I ( XXXX  XXXX  ) went through the court to get an Order of Disposition of Personal Property Without Administration, directing three institutions to make funds in his name available to me ( the beneficiary ). After the order was issued, I filed it with each of the three accounts listed on the order. Two issued checks in my name without issue. This institution has continued to issue the refund check for {$240.00} in my XXXX  's name, which I am unable to cash or deposit. I've followed up with the company several times, most recently on XX/XX/year> and XX/XX/year>. While they acknowledge having received the paperwork, they tell me 'it 's against bank policy ' to reissue a check to a third party. It doesn't make sense why, given the order from the court making me the beneficiary with the account listed, the bank won't issue the check in my name.
Product: Mortgage

I have reason to believe the following mortgage agents are engaged in RESPA violations with realtor XXXX XXXX XXXX XXXX, Washington. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Washington ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Washington ( XXXX ) XXXX XXXX XXXX Washington XXXX XXXX XXXX Washington XXXX XXXX ) XXXX * Phone number provided by XXXX XXXX does not match Washington Federal directory records , so can not say with 100 % certainty that this is the correct " XXXX XXXX referenced by XXXX XXXX XXXX 

XXXX XXXX has admitted that our offer made on XX/XX/2022, which matched the asking price of the property ( MLS # XXXX ), was the higher offer. It was also confirmed in a mis-sent email that the other bidder 's offer did not have a lender that was willing to finance the loan. My realtor and mortgage agent called XXXX XXXX to assure her the nature of the dwelling was not an issue for financing. Nevertheless, XXXX XXXX let my offer expire because, per the submitted email chain, we refused to use one of the three agents listed above. Subsequently, she has also refused contact with my lender including members of his executive team. 

Further, we have strong suspicions that XXXX XXXX did not present our offer to the sellers. 

Attached is the email chain from XXXX XXXX to our agent, specifically requesting we use her three agents.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I filed a complaint with Equifax concerning a collections debt and other address and phone number and name mistakes that did not belong to be. ( My ex-wife 's maiden name XXXX and her new married name XXXX have been reported as mine ). I also filed this with XXXX and XXXX, both of which resolved these issues ( expect the names ) before 30 days. On XX/XX/2019 the complaint was completed by them- they corrected the address and phone number but not the 3 debt collections. 
I was unable to access my results on line. I called few days later, nothing was resolved. On XX/XX/2019 I filed another complaint with them regarding the same issue ( 3 debt collections 2 of which held with XXXX XXXX XXXX for XXXX XXXX XXXX   XXXX ). I was again unable to access my results on line. In mid-XXXX XXXX  of the collections debts were removed from my report ( one from XXXX XXXX XXXX for XXXX XXXX XXXX XXXX ), as reported by XXXX XXXX. One has remained, the entire time. In Mid-XXXX I again filled another complaint for the last one held by XXXX XXXX XXXX for XXXX XXXX XXXX  XXXX. This bill also does not belong to me. 
I have tried at least 10 times to access my results on line as instructed by the emails sent by them, every time except one has failed, I am always sent to a page to call them. I have also never received any copies of my credit report from them as required.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Meridian Financial have ignored my request that the information such as amount owed, date of last payment, the balance, and type/responsibility of account are all incorrect. Although they have said it's been verified I have not received any documents to show the proof. Certified letters with tracking numbers have been sent to both parties and I have not received anything from either party with the documents I have requested. This is not 100 % accurate on my credit report and I would like it deleted off my credit report within 30 days.
Product: Credit reporting or other personal consumer reports

The Credit burera are stating that LexisNexis is providing them the info and that they have verified it from the courts
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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

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

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, credit repair services, or other personal consumer reports

I contacted the credit reporting bureaus, '' XXXX XXXX, and Transunion '' on XX/XX/2021 regarding unauthorized use of personal credit information and I was told my file was unable to be found despite of me sending all required information needed for the action of request.
Product: Credit reporting, credit repair services, or other personal consumer reports

UNABLE TO RUN CREDIT REPORT BY SELF OR BY AUTHORIZED BANK PAID OR FREE. 
INDICATES NO DATA AVAILBALE, ESCALATED MULTIPLE TIMES, GIVEN XXXX XXXX XXXX  : XXXX SEE ATTACHED
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, OH XXXX XXXX Social Security Number : XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX TX XXXX Subject : Request for Removal of Unauthorized Identity Theft Hard Inquiries Dear Experian, I am writing to formally request the removal of unauthorized hard inquiries from my credit report. Upon recent review, I discovered several inquiries that I did not authorize, and these are negatively impacting my credit score. 

The unauthorized identity theft inquiries are as follows : XXXX XXXX  - XX/XX/XXXX ( Experian ) XXXX XXXX XXXX - XX/XX/XXXX ( Experian ) XXXX XXXX XXXX XXXX - XX/XX/XXXX ( Experian ) XXXX XXXX  - XX/XX/XXXX ( Experian ) Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that I believe is inaccurate. Since I did not authorize these inquiries, I am requesting their immediate removal. To assist with verification, I have enclosed copies of my ID, a recent utility bill, and my credit report with the unauthorized inquiries highlighted.

Additionally, I have submitted an FTC report to the Consumer Financial Protection Bureau ( CFPB ) regarding this matter.

Please investigate these inquiries and remove them from my credit report as soon as possible. I would appreciate confirmation once the removal is completed or any further steps I may need to take to resolve this issue. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX