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

XX/XX/XXXX Subject : Dispute of Inaccurate Late Payment Reporting for XXXX XXXX XXXX Account Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by Equifax for my XXXX XXXX XXXX account. These late payments are erroneous and do not accurately reflect my payment history. 
Nature of the Complaint : Inaccurate Reporting : The reported late payments are incorrect, as I have consistently paid on time or had an alternative agreement. 
Violation of the Fair Credit Reporting Act ( FCRA ) : Reporting inaccuracies misrepresent my creditworthiness, violating my rights under the FCRA ( 15 USC XXXX ( b ) ). 
Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : False reporting of late payments may   also constitute a violation of the FDCPA. 
Truth in Lending Act ( TILA  ) : These reporting errors breach the TILA  's requirements for accurate credit reporting. 
Under the FCRA, sections 15 U.S. Code XXXX and XXXX mandate that credit reporting agencies and furnishers ensure the accuracy of information. Articles XXXX and XXXX ( 15 U.S.C. XXXX and XXXX ) outline liability for noncompliance. 
Summary of Errors and Discrepancies Across All Bureaus : Late Payments : XXXX : Reports late payments, including XXXX days late in XXXX, XXXX days late in XXXX, and XXXX days late from XXXX to XXXX, which are inaccurate. 
XXXX : Similar late payment errors as XXXX, with reports of XXXX, XXXX, and XXXX day late payments during the same timeframe. 
Equifax : Reports late payments, including XXXX days late in XXXX, XXXX days late in XXXX, and XXXX days late from XXXX to XXXX, which are incorrect. 
Discrepancies in Reporting Details : Account Status : All three bureaus report the account as closed, but only XXXX provides a closing date ( XX/XX/XXXX ), while XXXX and Equifax omit this information. 
Balance Owed : Consistent across bureaus at {$1100.00}. 
Payment History : XXXX and XXXX show errors starting in XXXX, while Equifax begins reporting errors in XXXX. 
Requested Resolution I request Equifax to conduct a thorough investigation and correct these inaccuracies by removing all erroneous late payments from my credit report. Specifically : Remove reported late payments for XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. 
Update the account to reflect accurate, on-time payments for all disputed months. 
I expect written confirmation of these corrections within XXXX days of this letter. Failure to resolve this issue may result in further actions to protect my rights as a consumer under the FCRA. 
Attachments Provided : For this dispute, we have included the following documents : A copy of the clients government-issued ID. 
A copy of the clients Social Security Number. 
Bank statements showing proof of timely payments during the disputed months. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

After reviewing my credit profile on XXXX  I identified a discrepancy with account listed under PROFESSIONAL DEBT and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/ and the account continues to reflect on my credit report, and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a XXXX validation letter was sent out on this day. After reviewing on the report. I do not believe this account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account from all XXXX bureaus until adequate validation has been received proving that the account belongs to me, and all information is correct.
Product: Credit card or prepaid card

On XXXX, I received a letter dated XXXX, stating on XXXX that I applied for a credit card through PayPal that I did not apply for. The card was denied due to inability to verify my identity. It took 2 hours to reach customer service representatives in order to address the issue and have my information flagged so that it could not be used in the future. The letter I received was from Synchrony Bank XXXX. XXXX XXXX, XXXX FL XXXX. There is no information to contact them to dispute the concerns, so I had to search for it online. I was never notified by PayPal or Synchrony that someone had tried to apply with only some information, so the fee for identity theft notification was wasted. I called and they could not provide me with the information the person gave unless I mailed out for it in writing, which I will be doing to press formal charges against the individual. The representative said they were handling the situation, flagged my information, and have requested the removal of the inquiry from my credit report, but said it could take up to 30 to 60 days for notification. I have closed out my PayPal account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize these inquiries, and their presence is causing me considerable distress. I kindly request that you prioritize this matter, thoroughly investigate the situation, and swiftly eliminate these unauthorized accounts from my credit report. Your prompt attention and resolution to this issue are deeply appreciated.
Product: Debt collection

On XXXX XXXX, XXXX I received a letter from Douglas and Associates saying that I owed {$9400.00} for Demolition of a property in XXXX XXXX that was transferred to me on XXXX/XXXX/XXXX without my knowledge or agreement. The documentation that I received as " proof '' was a " Limited Warranty Deed '' from Grow Rich Properties who according to the XXXX county did not own the property on that date. The property was transferred from XXXX XXXX to XXXX XXXX on XXXX/XXXX/XXXX. XXXX XXXX then transferred the property to me on the same date using the document dated XXXX XXXX, XXXX according to Douglas. The XXXX deed states that XXXX XXXX " is seized and possessed of the said land and has a right to convey it '' etc. Another county record says that the property was granted to me by XXXX XXXX XXXX the records do n't even match. 

I did attempt to purchase this property from XXXX XXXX XXXX XXXX starting XX/XX/XXXX and paid them {$20000.00} for the " class '' that " entitled '' me to a property, {$3500.00} for their cost and {$20000.00} for a property. I signed many contracts that Grow XXXX drew up and tried to contact them multiple times as well as the property management company they said I had to use, XXXX XXXX who sent me a Transaction Review sheet in XX/XX/XXXX stating they had my funds to transfer and would send my deed. 

In XXXX of XXXX, I made XXXX last attempt to recover at least a portion of my money by submitting a claim to the XXXX Department of Insurance for an errors and omission claim against XXXX. I sent the response letter to Douglas Associates stating that XXXX did not collect the money or conduct a closing so the department lacked proper jurisdiction. They sent a copy on to the Utah Attorney General and suggested I pursue civil litigation. I did not have the money to do so. After 3 years of trying everything that i could think of, I contacted my bank, presented them with all the documentation and history and received a portion of my money back. I had no more information on this property until I received the letter of debt from Douglas Assoc a few weeks ago. 

I never had a contract with XXXX XXXX, the contracts that I did siged with XXXX were never completed and returned to me. My copies say that I would receive a property that I agreed to take by XXXX XXXX. XXXX. XXXX XXXX is the person who received the condemnation letter XX/XX/XXXX and he was given 30 days to complete them by the City of XXXX. 

I received no notice of the transfer, the " judgement hearing, or demolition bill until last week.
Product: Credit card or prepaid card

Last year as the result of the XXXX hacking, someone tried to get a credit card through XXXX and Chase, I received a letter denying the cc which I am glad it happened since I have bad credit and I filed a complain through this agency ( see your files ). I got a response from Chase Bank informing me the problem had been addressed and it would not happen again. Guess what it is the same time this year and I got exactly the same letter denying the cc and the three common denominators are XXXX, Chase Bank and XXXX  ( same as last year ). 

I WANT THIS AGENCY NOT ONLY TO RELAY THIS COMPLAIN BUT TO GET INVOLVED AS WELL TO MAKE SURE THAT ME AND THOUSAND OTHERS DON'T HAVE TO GO THROUGH THIS IN THE FUTURE. 

THE GOVERNMENT ( YOUR AGENCY CHARTER ) IS TO PROTECT THE PUBLIC OF SITUATIONS SUCH AS THIS AND NOT TO TAKE THE FINANCIAL INSTITUTIONS ' WORD. 

I HOPE THIS TIME AROUND I GET MORE THAN JUST A COMPUTER PRINTED PROFORMA LETTER.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Transunion, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and 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 information every step must be taken to ensure the information reported is completely accurate and correct.The following information therefore needs to be re-visited. I respectfully request to be provided proof of these inquiries were in fact authorized with an instrument bearing my signature for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon as possible : I did not consent to, authorize nor benefit from any of the following inquiries. Please block and remove them from my credit profile immediately. 

1. ) XXXXXXXX XXXX - XX/XX/2021 2. ) XXXX - XX/XX/2021 3. ) XXXX XXXX XXXXXXXX - XX/XX/2021 My ID, SSN, and FTC report have been attached. 

Best, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am contacting you to formally dispute fraudulent items on my credit report, which I believe stem from identity theft. Pursuant to 15 U.S.C. 1681c-2, I request that these inaccuracies be blocked promptly. 
Attached is a copy of my Police XXXX identity theft report ( FTC Report Number : XXXX ), which provides clear evidence of my identity theft claim. 
Legal Basis for My Request Under the provisions of 15 U.S.C. 1681c-2, once an identity theft report has been submitted, credit reporting agencies are required to block the disputed information identified as resulting from identity theft within XXXX ( XXXX ) business days. 
The following entries on my credit report are associated with this identity theft and must be removed immediately. 
Fraudulent Inquiries to Be Removed XXXX XXXX XX/XX/year> TransUnion XXXX XXXX XX/XX/year> XXXX I am notifying you that I have been a victim of identity theft. I have reached out to the Federal Trade Commission ( FTC ) and filed a complaint, which is enclosed for your reference. 
My credit report contains fraudulent accounts and inquiries that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency via fax and Certified Mail. 
I request that you comply with 15 U.S.C. 1681c-2 and block and remove these unauthorized accounts and inquiries immediately. 
If I do not receive a timely response, I will proceed with filing a formal complaint with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and will consider taking legal action to enforce my rights under the Fair Credit Reporting Act ( FCRA ). 
I appreciate your prompt response and resolution of this matter. I expect a response within the legally required timeframe.
Product: Credit reporting or other personal consumer reports

Submitting this 12th complaint once more as an assurance that these items listed below were removed. Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report # XXXX. Within 15 days time I will be updating my credit reports once more. I am hoping that these items will be removed from my credit reports : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$0.00} TRANSUNION : XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance {$5300.00} XXXX XXXX Balance {$1500.00} XXXXXXXX XXXX XXXX  Balance {$0.00} -tied up XXXX XXXX XXXX XXXX XXXX Balance {$13000.00} -tied up
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I have been a victim of identity theft. There are accounts on my credit report that is wrong and that was not opened by me. My credit information was stolen and someone took my social security card and personal information and opened up accounts. 

My social security number is XXXX. 
My date of birth is XX/XX/XXXXI want to dispute all information on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I am not aware of the debt! I never received written notice to access or dispute alleged debt. If Calvary Portfolio feels they have notified me with written notification properly, then I am requesting a copy of the certified mail receipt bearing my name and signature as proof of service! Furthermore Calvary Portfolio is in direct violation of 12 CFR 1006.34 ( A ) ( 1 ) ( i ) ( b ) ( 15 ) USC 1692 ( j ). If Calvary Portfolio can not produce the requested documents I would be requesting a deletion of the account!
Product: Credit reporting, credit repair services, or other personal consumer reports

Attempted to utilize check-cashing service at XXXX XXXX XXXX in XXXX XXXX XXXX RI on XXXX XXXX, XXXX The attendant entered the incorrect check number, omitting a digit. As a result, Certegy Check Services Inc. falsely labeled the check as an incorrect transaction and I couldn't cash my paycheck. I contacted Certegy directly, attempted to inform them the check number on the receipt did not match the number on the paycheck itself and that this is the reason the check failed to be cashed. I provided them with all relevant information, they refused to cancel the report or even include the information I provided in their report. My complaint is against Certegy Check Services IncXXXX XXXX XXXX XXXX XXXX, FL XXXX for refusing to include relevant information in their review of my financial transaction. They are carrying out a fraud against consumers. The receipt and check number are attached.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my consumer credit report and I found several items on there to be inaccurate. 

Under 15 U.S. code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any investigation under paragraph ( XXXX ) of any information disputed by a consumer, any item or information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please Remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I wrote to each of the bureaus and asked them either verify the personal information being reported or delete it. I have a generational name and do not want my reports mixed or merged with a family member with a similar name. These inaccuracies are preventing me from receiving credit approvals.
Product: Checking or savings account

My account was blocked and they didnt notify my at all so when I tried to access my account it was blocked they also are holding my entire employment check causing extreme hardship and now I have no power because I cant pay my bills without my paycheck that they are holding Ive called the repeatedly to resolve this issue and they refuse to fix it
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX  XXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX - XXXX, has violated my rights. In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 Section 602 A. STATES I have a right to privacy. 15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were 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. The items listed below were not mine : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX : {$0.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am a victim of identity theft .This collection agency is not only reporting fraudulent account but also aware that is account is fraudulent in deed. I sent my police report and my FTC affidavit that i received from the Federal Trade Commission. They keep verifying this fraudulent accounts and are. I have never had any goods or services with NATIONAL BUSINESS FACT ACCT XXXX AND NATIONAL BUSINESS FACT ACCT XXXX or their affiliates XXXX XXXX XXXX XXXX they are knowingly and willingly reporting this fraudulent accounts and verifying them. They have caused me great damage and embarrassment also with emotional distress. I have also never received any Correspondence after sending the agency numerous disputes.
Product: Credit card or prepaid card

I am disputing a transaction on my Bank of America card. I initiated the dispute on XX/XX/XXXX. I have received no correspondence until yesterday XX/XX/XXXX. The letter I received stated I needed to reply by XX/XX/XXXX ( the day before ). The letter also included a rebuttal from the merchant which had absolutely nothing to do with the claim. I called BOA on XX/XX/XXXX ; the day I received the letter and spoke to XXXX. XXXX instructed me to ignore the letter as the claim was resolved in my favor. I questioned him several times regarding this as it made no sense that they would send a letter on a closed claim. He assured me the claim was in fact closed and I needed to do nothing further. At XXXX AM the following day XXXX, I received an email from BOA stating my claim was forfeited as I did not respond by the deadline. I called BOA and spoke to XXXX. He informed me that XXXX was mistaken and indeed I had missed the deadline to respond. He also informed me that the merchant had 45 days to respond, BOA had 30 days and because they were doing research that only gave me a week to respond. He did allow me to respond today and still make the deadline. Apparently the merchants and Banks have more rights than the consumer that was defrauded. Not only can a merchant send in any response regardless of merit but the bank can sit on it and do nothing to wind out the clock. They can then give you no time to respond and blame you for missing a deadline that has passed.
Product: Debt collection

Consumer Portfolio Recovery Associates, This Credit Card is over 15 years old and Has already been removed off of my credit report. XXXX XXXX XXXX Sold this loan to these people and they are trying to reopen a case and has been calling me and sending me notices. Additionally, they are making robot calls about taking me to court to settle this dept. This calls seem to orignate in Georgia.
Product: Mortgage

XX/XX/2023 we received communication our mortgage was sold to PNC bank and we are to send XX/XX/2023 payment to PNC Bank XXXX XXXX XXXX, XXXX, CA. We sent payment on XX/XX/XXXX with the address provided. see attached letter. 
Now XX/XX/2023 we get new statement stating we did not send XX/XX/2023 payment. 
Contacted the bank several times, filed complaint with the bank, no help or resolution.