23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Dear Sirs, I have had a mortgage loan with bank of America for several yearsI owed around XXXX dollars. I was paying interest only on the loan at XXXX percent. Finally when My home value went up they offered me an opportunity to refinance at t XXXX percent. this was in XXXX of 2013 There were no closing cost. 
My problem is the payment mortgage insurance. I was told that since I did not have 20 percent equity, ( I was at 18 percent ) based on a home value of XXXX dollars I had topay P.M.I. .There was no transparency. They claimed they did n't know how much the P.M.I insurance payments would be or how long or even the name of the company issuing it. I ended up paying XXXX dollars a month in pmi I was told I would have to pay for XXXX year. After one year my my Home value went up to XXXX dollars I called the bank ( since I still did n't have the name of the P.M.I. company ) .I was told I would have to pay P.M.I. for two years even if i did now have twenty percent equity. I feel like there has been no transparency and that the wool is being pulled over my eyes.
Product: Credit reporting or other personal consumer reports

ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. 
I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here!
Product: Debt collection

On XX/XX/XXXX I had one day XXXX on my XXXX XXXX I received from my insurance XXXX XXXX of Illinois what I was responsible to pay {$1300.00} and paid it. On XX/XX/XXXX I received an alert from XXXX XXXX that a collection agency, Medical Business Bureau was added to my XXXX XXXX credit file. I called the Medical Business Bureau, they said I had an outstanding bill for XXXX from XXXX XXXX from XX/XX/XXXX in the amount of {$1400.00}. I never received a bill from XXXX XXXX, I also called them and they told me that my insurance information was not even on file with them. 
I also called XXXX XXXX of Illinois, they are submitting the claim to see if my insurance at the time will cover the XXXX   bill of {$1400.00}. 
So now this outstanding bill that I never received from XXXX XXXX is affecting my credit. I am also getting alerts from XXXX  due to the same issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

XXXX Prior CFPB Investigation [ XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX DelawareXXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Late Payment Reporting and Request for Deletion Dear Equifax, I am writing to formally dispute the accuracy of my credit report concerning several accounts that have been inaccurately marked as late. According to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681a, 15 USC 1681s-2, and 15 USC 1681n , I have the right to dispute any information that I believe is inaccurate. Additionally, under 15 USC 1666b, I am concerned about the timing of the payments reflected on my report. 

The accounts I am disputing are as follows : XXXX XXXX XXXX XXXX Date Opened : XXXX Account Number : XXXX XXXX XXXX XXXX Date Opened : XXXX Account Number : XXXX Universal XXXX XXXX Date Opened : XXXX Account Number : XXXX XXXX XXXX XXXX Date Opened : XXXX Account Numbers : XXXX, XXXX I have provided you with over 30 days to investigate and correct these discrepancies, yet no action has been taken. Your inaction has placed Equifax in violation of the above-referenced statutes. Therefore, I am requesting the deletion of all transactions marked as late for the accounts listed. 

If this matter is not resolved today, I will seek professional representation for small claims court. I am also pursuing monetary relief due to your noncompliance with the FCRA and related regulations. 

Please consider this letter a formal request for prompt resolution. I expect a written confirmation of the deletion of the late payments from my credit report within the next five business days. 

Thank you for your immediate attention to this matter. 

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

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXXXXXX : {$460.00}, XXXX XXXX Balance : {$260.00}, XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$770.00}, XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$1100.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

TransUnion Credit is reporting incorrect information that doe not belong to me. Upon reviewing my Transunion report I have found several inaccurate accounts that do not belong to me, and an unknown name that is not mine. I demand the accounts to be removed immediatley as the name and accounts are not mine. I have attached a copy of my ID, proof of My address, and Social security. I have been a victim of Identity theft due to XXXX data breach as well. None of the names match to my ID. Please remove the accounts as you are made it hard for me to obtain credit for me to live. 

I am also opting out of any assumed authorization I may have given you verbally, non verbally, written, non written to share my non public information. 

Please remove the following accounts as they are not mine. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I had a traffic ticket of XXXX dollars when I went to pay they said I had to pay collections instead of paying them direct I speak with XXXX collection she tells me it's XXXX dollars I asked why because I have to pay XXXX for collecting the debt then I asked for documents that I agreed to for XXXX to collect my debt she said no they don't give out those statements so now the have offset my state check and tells me they don't know when I'll receive the rest and she said until they received the offset payment XXXX will continue to charge me late fees that's not coming from the XXXX XXXX XXXX XXXX there coming from the collection agency how can they charge me anything if I have no contact with XXXX they are stealing consumers money the rep also stated that what they doing is legal and they don't need my signature nor contract with them to take my money and keep accumulated late fees
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I checked my credit report and noticed a charge - off from XXXX XXXX XXXX account number XXXX that was charged - off in XX/XX/XXXX that is continuing to show a charge - off status every month since, and I never received a XXXX - XXXX  from this account. According to the Fair Credit Reporting Act 15 U.S.C. 1681- e [ b ] - Maximum Possible Accuracy, and 15 U.S.C . - 1681- g. With this account being charged- off and reporting every month since XX/XX/XXXX is an error, because a charge- off should be reported as income on my XXXX not debt on my credit report.
Product: Credit card

I got approved for a line of credit with XXXX XXXX for {$1300.00}. I made a purchase of {$2400.00} and the representative who assisted me stated that as a XXXX buyer and card holder we allow you to put it all on store credit. Not XXXX time did she mention that it would cause me to go over my credit limit. I then get my first bill and my minimum payment due was {$1400.00} and I did n't understand why. When I contacted the company that 's when they said I am over my credit limit. This caused my credit score to drop XXXX points. I contacted the representative who helped me back on XXXX/XXXX/15 and she no longer works at the same location and she also lost her position as manager and now is assistant manager because what she did was wrong and it was n't honest and she got in a lot of trouble. I told her everything that happened and she and her manager are disputing this issue. She said she takes full responsibility for her actions and she will provide a letter stating what has happened so I can dispute it to the credit bureaus but I still have n't gotten the letter. 
The credit company raised my limit so I 'm no longer over the credit limit but that still does n't take away the intial hit on my credit and they need to take responsibility of this or do a reversal so it shows I never was over the credit. The company also hit my credit for a late payment even though I was n't late so they waived the late fee but that does n't take away the initial hit on my credit. I 'm waiting to hear back from corporate but no one is assisting me with getting in touch with me and I need to have this resolved before XXXX/XXXX/15 because if it 's not I will return everything so I can fix my credit.
Product: Credit reporting or other personal consumer reports

XXXX, Equifax, and XXXX are reporting incorrect information on my consumer report and refuse to remove the incorrect information. I sent them a letters with a current UCC11 and identification showing that according to the Secretary of State of Texas that I had no debts or liens on my name and mailed it to them certified with return receipt about an alleged automobile loan. Also, I informed them that they are breaking federal law and my letter went with no response.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am writing to dispute certain late payment accounts that are appearing on my credit report. Upon reviewing my credit report, I noticed discrepancies regarding the payment history associated with the following accounts : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX According to my records, these accounts have been consistently paid on time, and there should be no history of late payments associated with them. I believe there has been an error in reporting, and I request that you investigate and rectify these inaccuracies promptly.

Enclosed with this letter are copies of relevant documents, including bank statements and payment receipts, that corroborate my claim of timely payments. I urge you to review this evidence carefully and update my credit report accordingly.

I understand the importance of maintaining accurate credit information, and these inaccuracies have the potential to adversely affect my creditworthiness. Therefore, I kindly request that you expedite the investigation process and inform me of the results in a timely manner.
Product: Credit card or prepaid card

The Discover headquarters is the XXXX address you have listed, but your complaint does not fall under the jurisdiction of the XXXX   Police Department.  Here is a link to the Consumer Financial Protection Bureau, a U.S. Government agency.  You can make a complaint on this page.

  https://www.consumerfinance.gov/


XXXX XXXX XXXX
Chief of Police
XXXX XXXX XXXX XXXX XXXX XXXX
Office   XXXX ext XXXX  
Dispatch XXXX

On XXXX,XX/XX/2017 at XXXX XXXX, XXXX   wrote:

    To whom it may concern:

    Discover Card has now (and for going on 3 months!) owed me over $1,400.00 and they will not return it to me...they sent me a check for XXXX!

    It is very hard to find out exactly where Discover's headquarters are.  Calling them is like sticking pins in your eyes!  They took my money (refundable deposit) out of my bank and in less than 2 days!  But now going on 3 months later, and they do not want to give it back!  I am considering this THEFT and PERSONAL INJURY!  I want to FILE a POLICE REPORT and SUE DISCOVER.

    ONLY because of DISCOVER I have been having trouble paying my rent and bills and scraping up enough money to eat!  I am XXXX and have been on SSDI and for now going on XXXX  years.  I am a former XXXX XXXX  and I have served overseas.  4 months ago I moved back to the states and that was after living with my wife for XXXX years in XXXX XXXX.  I asked one of your state's US Congress people for help...a big waste of time, of course!  If you don't want to help, then do you think that your GOVERNOR will?

    The best addresses I can find are:

    Discover Corp XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

    Discover Financial Services
    XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

    My contact information:

    Omited

    Thank you for taking the time to review this and for any assistance that you can provide.

    Kindest regards,

    Omited / Replaced with:
Sick and tired of all of this Political Correctness NONSENSE and basically AMERICA nowadays in general.  Don't ask for help with anything.  [They] only care about protecting the wealthy and powerful crooks out there.  Not enough PRISONS in America.  Bring back the ELECTRIC CHAIR and let's start having Saturday Night Live with Old XXXX.  I can't wait to move back to XXXX...at least they aren't such cowards there, and their only form of Execution is still HANGING.
Product: Debt collection

I have written, called the collection agencies requesting verification of this " debt they are reporting on my credit bureaus as belonging to me '' But, they keep giving me the round around and can not provide me with proof of the authenticity of this debt. I have already written, called, to no avail. I'v requested verification of this account confirming that is my debt or they need to remove this collection account from my credit reports.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 


Account Name : XXXX XXXX XXXX XXXX  Has different account numbers, Incorrectly reported as late, incorrect date of last payment, different payment histories and multiple creditors with different names and addresses This item must be deleted from my report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information.

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

I have attached documents with highlighted inaccuracies to validate my dispute.

Sincerely yours,
Product: Credit reporting or other personal consumer reports

I AM HIGHLY DISAPPOINTED THAT THESE FRAUDULENT ACCOUNTS ARE STILL REPORTING ON MY REPORT. AS YOU ALL CAN SEE I HAVE ATTEMPTED TO GET THESE ACCOUNTS REMOVED AS I AM A VICTIM OF THE EQUIFAX AND XXXX BREACH. THIS IS VIOLATING MY CONSUMER RIGHTS PER FCRA LAW. I HAVE ALSO FILED A FTC REPORT TO LET YOU ALL KNOW THAT I AM AND IDENTITY THEFT VICTIM. THIS HAVE PREVENTED ME FROM BUYING A HOME AND ITS ALSO A DEFAMATION OF CHARACTER. AS AN CREDIT REPORTING AGENCY, YOU SHOULD BE PROTECTING MY INFORMATION AT ALL COST. PLEASE REMOVE THESE FRAUDUALENT ITEMS SO I WILL NO LONGER GO THROUGH EMOTIONAL AND FINANCIAL STRESS.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX for XXXX XXXX  is alleging a line of credit for XXXX dollars. The contract does not bear my signature and contains incorrect banking iformation. It is an unauthorised loan that was created to scam me after paying a payday loan
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX has violated my rights. 

15 U.S.C 1681 602 A. states that I have the rivht to privacy 15 U.S.C 1681 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.