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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX ( XXXX ) XXXX Date : XX/XX/year> Dispute Department Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXX Subject : Dispute of Bankruptcy Entry on My Credit Report Dear Experian Dispute Department : I am writing to formally dispute a bankruptcy entry that appears on my credit report. According to 15 U.S.C. 1681c ( a ) of the Fair Credit Reporting Act ( FCRA ), certain adverse information, including bankruptcy entries, must be removed from a consumers credit report after a specific period of time.

The bankruptcy in question may be outdated or inaccurately reported. Therefore, I am requesting that you investigate and, if necessary, remove this entry from my credit report.

Under 15 U.S.C. 1681c ( a ), consumer reporting agencies are prohibited from reporting certain types of adverse information after the following timeframes : Bankruptcy cases filed under XXXX  XXXX must be removed after 10 years from the date of filing. 
Bankruptcy cases filed under XXXX  XXXX must be removed after 7 years from the date of discharge. 
The presence of this bankruptcy on my credit report may no longer meet the permissible reporting period outlined in the law. If the entry can not be verified or if it exceeds the time limits specified, I request its immediate removal. 

Please investigate this matter and provide a written confirmation once the investigation has been completed and the necessary corrections have been made. 

Thank you for your prompt attention to this matter. Please do not hesitate to contact me if you require any additional information. 

Sincerely, XXXX XXXX XXXX 15 U.S.C. 1681c ( a ) Requirements Relating to Information Contained in Consumer Reports This section of the Fair Credit Reporting Act ( FCRA ) outlines time limitations on how long certain negative information can appear on a consumer 's credit report : Bankruptcy cases filed under XXXX XXXX must be removed after 10 years from the date of filing. 
Bankruptcy cases filed under XXXX  XXXX must be removed after 7 years from the date of discharge. 
Other adverse information, such as late payments, collections, and charge-offs, must be removed after 7 years from the date of the original delinquency. 
This law ensures that outdated and damaging information does not remain on a consumers credit report indefinitely, protecting consumers from undue harm to their creditworthiness.
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. 

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 my XXXX Complaint addressed to the Credit Bureaus that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ), the Credit Reporting Agencies are required to remove any account and information which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I need the following fraudulent items removed completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX  XXXX XXXX Balance Owed : {$0.00}
Product: Student loan

I am being billed by XXXX and Navient as well.I just had a Chapter! XXXX discharged in XX/XX/2017. I think I am being double billed?
Product: Student loan

I have been attempting to lower my repayment amount or get it deferred through the Navient website since XX/XX/XXXX but it was denied by them. When I asked they said that I needed to be working 30 hours a week in order to qualify for any of the programs. I submitted the paperwork showing I was working 30 hours a week but then never heard back from them. I did n't want to ruin my credit so I made three months of full payments but considering this three months was about 10 % of my income for the year ( {$1000.00} when I made about {$XXXX} ) I found this to be especially burdensome. I found out today none of that was true and I should have been filing under the FSA which Navient never told me.
Product: Debt collection

**To : Consumer Financial Protection Bureau ( CFPB ) ** **Subject : Lack of Response from Credit Bureaus Regarding Dispute** Dear CFPB, I am writing to formally bring to your attention an issue regarding the lack of response from credit bureaus following a dispute I initiated. On XX/XX/year> I submitted a dispute to [ credit bureau names ] concerning inaccuracies in my credit report. Despite providing all required documentation and following the necessary procedures, I have yet to receive any acknowledgment or resolution from the bureaus. 

The absence of a response has caused significant inconvenience and distress, as the inaccuracies in my credit report continue to impact my financial standing and creditworthiness. I kindly request the CFPB 's intervention to ensure that my dispute is addressed promptly and fairly, in accordance with the Fair Credit Reporting Act ( FCRA ). 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue.
Product: Mortgage

Bank of America is reporting with the XXXX credit bureaus that I am in Chapter XXXX bankruptcy with them/home loan and I am not. I have not filed bankruptcy on my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S CODE 1681 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT ( 2 ) ( A ) ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. 
( B ) ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person. 

They do not have my permission to report on my consumer credit report. 
I Demand it to be removed and every violation of unauthorized information on my report is a {$1000.00} fine letters have been sent certified mail and return receipts have been received by me. 

These following unauthorized inquires are fraudulent and inaccurate information and my permission has not been given orally, in writing, or electronically to report these inquiries on my consumer report and I demand them to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Bank account or service

I opened the citigold bank account with citibank with promotional code promising a credit of XXXX American Advantage miles after meeting all the requirements. After inquired about the status I was denied the promotional credits because I was not targeted for this promotion. 
I have document showed that i have the promotional code attached to my account and I would like citibank to honor it.
Product: Credit reporting or other personal consumer reports

It seems FCRA 605B requires us to eliminate any erroneous accounts from my credit report. Could you review the documents? Some listed accounts are inaccurately reported in terms of amounts and dates.
Product: Credit card or prepaid card

I opened th e Amex P latinum card with  XXXX  points bonus offer in   XXXX  .   Amex claw backed  XXXX  points and there was case was opened to determine the problem.   Amex closed my card in  XXXX . After the card is closed  by Amex , their me mbership rewards team concluded previously opened case saying that it was mistake on their side and they can re-issue  XXXX  points but account needs to reopen. I was told account can not be reinstated also points can not be redeemed.     After they closed the account I also got the letter from Amex saying that I can redeem points within 6 months but now they are saying no.     Amex did n't give me the opportunity to redeem  XXXX  plus membership points.
Product: Payday loan, title loan, or personal loan

My loan was due to be paid off on XX/XX/XXXX. According to Avant, I still have a balance due. Upon my research of my payment history, there are several payments there were not applied to principal. The payments were only applied to interest. I have inquired to Avant on several occasions via phone and email ( XX/XX/XXXX, XXXX ) inquiring about the payments and requesting the basis of their calculation. The only response I was give was Whenever making regular or additional payments, they will be applied first to outstanding charges, if any, then to accrued interest, and then to principal. This is an unsatisfactory response. Avant is being fraudulent in their lending practice. As of today, Avant has not provided proof of the basis of their calculation for the payments in question. 

According to my Loan Agreement and Promissory Note, the total finance charges is {$7800.00}. As of XX/XX/XXXX, I have paid {$8400.00} in interest. According to Avant, I still have a open balance of {$1200.00}. I am aware additional interest was due for the four extension I received through out my loan. I have paid {$600.00} in additional interest. 
According to my records, my account should be paid in full.
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. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, has 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or 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 sent letters to Equifax, XXXX and XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 34 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: Debt collection

I AM UNAWARE OF THIS ALLEGED DEBT I DIDNT HAVE THE OPPORTUNITY TO DISPUTE THIS ALLEGED DEBT I DIDNT RECEIVE PROPER NOTIFICATION IF IN FACT YOU BELIEVE IVE RECEIVED PROPER NOTIFICATION, PLEASE PROVIDE THE CERTIFIED MAIL WITH RETURN RECEIPT WITH MY WET SIGNATURE STATING THAT IVE RECEIVED IT.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my another request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May concern, I was trying to add my cousin as an authorized user as an authorized user on my american express card they had no problem with it but told me XXXX put a credit card freeze or fraud alert past few days i been trying to call XXXX   for hours. When i finally got to a spot where it asked me press 2 if u want to talk about removing any freeze or fraud alert when i clocked # it said it responded back that I got it and couldnt do anything and wasn't able to get a live person. I just want XXXX  to take off anything they have frozen on my account and confirm that with me and american express as soon as possible. I'm look at XXXX  online and they have all my numbers and everything. American express is just waiting on experian to confirm I am me. I was told I can call experian which I've done over 100x. I will put my id in here so hopefully this all gets fixed today but if someone can call me to validate this is all taken care of would mean a lot to me. I know a lot going on with corona virus. Just looking to resolve this mix up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been non-compliant with removing the unverified account XXXX XXXX XXXX XXXX XXXX which has been deleted by XXXX  and XXXX. XXXX  and XXXX  have both completed their research and determined that XXXX XXXX XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit card or prepaid card

I continue to try to resolve this with Bank of America. However, they continually place themselves in a position of legal representation and bill collectors for a company who is not even their customer. It is appalling to think that a bank cares this little about one of their customers. I have tried multiple times to explain that the merchant had NO authority to charge my card. But the powers that be at BofA dont care at all about using any common sense at all. Even though I have explained that the merchant is trying to double collect by charging me and also a lien on the property involved, they dont listen or care.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has 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 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

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. 

AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a 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

There are several names on my credit report. The only name I use or have used is XXXX XXXX XXXX All other names are not mine and I want them removed. Correct address is XXXX XXXX XXXX. XXXX, AZ XXXX. All other address are not valid and need to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently noticed an inquiry on my account by credco, which I have never heard of, I checked my open accounts and haven't noticed any fraud, but I do not know who the company is, but I hope they don't run my credit again.
Product: Mortgage

Hi. we refinanced thru a mortgage company in XX/XX/XXXX. I have the escrow analysis from the mortgage company estimated to pay out in XX/XX/XXXX spring taxes. our loan got sold to Home Point Financial. I emailed them early XX/XX/XXXX telling them my spring taxes were due, they asked me to send a copy of the bill- I sent that ... I'm just finding out now XX/XX/XXXX that they NEVER paid my Spring XX/XX/XXXX taxes from escrow. They paid my Fall XX/XX/XXXX & insurance XXXX emailed them in XX/XX/XXXX stating Im seeing a penalty fee of {$47.00} & the county is charging a total of {$1000.00} which is : my spring XXXX taxes, my spring XXXX taxes & my penalty fee..HomePoint Financial ONLY PAID {$500.00} on XX/XX/XXXX!!!!! They responded to my email saying they did disburse my Spring XX/XX/XXXX taxes..TOTAL DISREGARD FOR MY BILL AMOUNT, TOTAL DISREGARD FOR XXXX EMAILS IVE SENT NOW ... I have 5 days to pay my XX/XX/XXXX spring taxes or i get ANOTHER penalty if not worse. 
I want to know : WHO is reading my emails & responding with disregard to my actual inquiry, WHO disbursed my Spring XXXX taxes with disregard to the total bill & WHY they are ignoring my inquiries for my XX/XX/XXXX BILL!!!!!
Product: Money transfer, virtual currency, or money service

I am writing formally to express my concerns regarding XXXX handling of disputes, particularly in the light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to adequately investigate my claims. The informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs finding indicates that Zelle has not only neglected to protect consumers but allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Mortgage

I switch my homeowners insurance policy effective XX/XX/XXXX. My previous insurer, XXXX XXXX, sent over the cancellation with an effective date of XX/XX/XXXX. My new policy with XXXX XXXX became effective XX/XX/XXXX. PennyMac sent me a notification in the mail stating I would have force placed insurance coverage if they didnt receive my Homeowners InsurancXXXX information from XXXX. All of that information has been provided to them and they still put forced place insurance onto my home for a lapse in coverage and charged my escrow account for {$1200.00}. I called PennyMac and have requested to speak to a supervisor after talking with XXXX different agents who all tell me that I need to submit documentation again. I have been told conflicting information pertaining to whats happening with my account and when requesting documentation regarding my insurance information, have been told they can not send that to me. On the morning of XX/XX/XXXX, I received a notification stating that the documents that were submitted have been rejected. I tried calling XXXX more time and again the line ended with no results and a continently disconnected call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was late on a payment during covid ... as the world was in a pandemic and not working and being in a lock down I was unable to make a on time payment. you will see that my account was only late XX/XX/2020 self lender account # XXXX