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

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, CA XXXX NOT PROVIDED XXXX, TX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX RESIDENT VERIFY XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Reference # XXXX Date Filed/Reported : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have worked with this site to dispute an error on my report. XXXX took it off while XXXX XXXX and experian refuse to. The document below is from here stating the XXXX did not have a record of that debt. XXXX XXXX has " magically '' found an account number when I've asked before from XXXX and I never got one nor postage from them at all with any information about this debt. This is a scam and ruining my ability to rent apartments.
Product: Credit reporting or other personal consumer reports

This letter is to disputes few discrepancies Ive noticed on my credit report, including accounts and personal information which I believe is inaccurate. I am asking for your assistance in investigating and correcting this information. 

Below is the information listed on my credit report that needs to be reviewed and potentially removed from my credit report. 

Personal Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Accounts XXXX XXXX ACCOUNT # XXXX Date opened XX/XX/XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$3600.00} XXXX XXXX XXXX XXXX Account number XXXX Date open XX/XX/XXXX Balance {$5100.00} XXXX XXXX XXXX account number XXXXXXXX XXXX  Date open XX/XX/XXXX Balance {$20.00} XXXX card Account number XXXX Date open XX/XX/XXXX Balance {$6900.00} XXXXXXXX XXXX  Account number XXXX Date open XX/XX/XXXX Balance {$19000.00} Inquiries XXXX XXXX Accept XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I certify that the personal information provided above is accurate to the best of my knowledge. I understand the importance of ensuring the accuracy of my credit report, as it impacts my financial standing and ability to access credit. 
According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. I am requesting that you investigate the discrepancies mentioned above and promptly remove or correct any inaccurate information from my credit report. 

Enclosed with this letter are copies of documents that verify my identification and my correct personal information, including a passport, my social security card, and other supporting documents. 

By the provisions of the Fair Credit Report Act, I demand that these items be investigated and removed from my report.

Please remove any information that the creditor can not verify. I understand that under 15 U.S.C Sec 1681 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Product: Credit card

In XX/XX/XXXX, I was late on my credit card payment. I requested a Good Will adjustment on XX/XX/XXXX which was honored and my late payment history changed from " 30 Days Late '' to " Current '' on XX/XX/XXXX on the account XXXX XXXX XXXX XXXX. I had some fraudulent activity on my credit card so it was discontinued and a new credit card with a new number XXXX XXXX XXXX XXXX XXXX was issued. I immediately noticed that my payment history was changed from " Current '' to " 30 Days Late '' on XX/XX/XXXX. I inquired directly to the company and was told on one occasion to submit details pertaining to this issue via U. s. postal Service, which I did on XX/XX/XXXX. I waited until the next billing cycle and noticed that a correction had not been made. After contacting the credit card company again, I was told to submit a detailed summary of what occurred via fax and that it would go to the department responsible for these kinds of correction, the " Correspondence back office '' which I did on Monday, XX/XX/XXXX, XXXX.After going back and forth with the company being told that an adjustment would be made for the past ( 4 ) four months, I am at my wits end. It seems that this is retaliatorigal because I told a supervisor about the fair Credit Reporting Act and there violations. I have the necessary documents to support my claim. The name of the company is First Progress Credit card and they are located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX telephone number : XXXX and XXXX. Also, you will see my progress and decline since XX/XX/XXXX which some are erroneous to retaliate against me.
Product: Mortgage

Fri, XX/XX/XXXX, XXXX XXXX  Received " Closing disclosure '' from Eagle home Mortage where " Cash to Close '' amount was displayed as {$31000.00} XX/XX/XXXX was the title signing appointment at XXXX XXXX  at Title company office Wed, XX/XX/XXXX, XXXX XXXX Received another email from Title company manager with wire instruction and final signing statement where the " Cash to Close '' amount had been changed to {$32000.00}. 

I did check with Eagle home mortgage/Title company and Title company and below is the response I did receive. 
" difference that youre seeing between this CD ( issued XX/XX/XXXX? ) and the Final one, issued today, is the Seller credit. The seller credit on the CD issued on XX/XX/XXXX, was {$5200.00}, but this was {$880.00} too high. Per your contract, the Seller will not pay for any recurring closing costs, which is where the {$880.00} is going to. The seller credit was reduced down to {$4300.00}. The amount to close of {$32000.00} is correct, although {$880.00} higher than the CD you saw on XX/XX/XXXX. '' With XXXX XXXX  this is the response I have received You have 2 options as of now Option 1 : Go as per your schedule signing date and signed the title and pay the " Cash to close ' amount as {$32000.00} and then everything will go as planned ( wiring the funds before XX/XX/XXXX, second walk-over on XX/XX/XXXX XXXX XXXX  and key released by XXXX XXXX  on XX/XX/XXXX ) Option 2 : Send me an email that you are backing out and I will send the cancellation docs and the contract will be canceled and builder will keep the Earnest money because you are the one backing out from this contract. 

They ( Eagle Home Mortgage ) did not change the amount as per the " closing disclosure of XX/XX/XXXX '' which I and my wife had signed electronically. 

Finally, I had to reschedule my appointment for XX/XX/XXXX at XXXX XXXX  for title signing and there I was asked to sign the new " closing disclosure '' with the higher amount. ( which was sent to me on XX/XX/XXXX ) I had wired the funds on XX/XX/XXXX evening and on XX/XX/XXXX I did receive the house key.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NOT BEEN ABLE TO VIEW MY XXXX CREDIT REPORT FOR A FEW YEARS DUE TO A FRAUD ALERT GLITCH ON XXXX SIDE, I WAS FINALLY ABLE TO VIEW IT TODAY ONLY TO SEE THESE INQUIRIES THAT ARE NOT MINE! THESE ARE NOT MY INQUIRIES, I HAVE NO KNOWLEDGE OF THEM REMOVE THEM : XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ( all dates as follows ) ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 or other personal consumer reports

My account with XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX was never late! I have had exceptional payment history with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 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 months that are reported late 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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

I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately XXXX XXXXXX/XX/XXXX Balance : {$19000.00} XXXX  XX/XX/XXXX Balance : {$11000.00} XXXX XX/XX/XXXX Balance : {$16000.00} XXXX XXXXXX/XX/XXXX Balance : {$420.00} XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$4800.00} XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$1800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, CT XXXX ph : XXXX XXXX XXXX my loan no. XXXX loan was transfered to this co ON XX/XX/2018 and modified, i started making payments on time from XXXX onwards but this co has put late 180 days on my all 3 credit bureaus while i never paid them late since, now after multiple reminders and they did agree to their mistake and are still not willing to remove the late that was caused due to their incompetence. 
i want the negative late of XX/XX/2018 to be removed completely. 

XXXX XXXX XXXX XXXX XXXX XXXX, nj XXXX
Product: Debt collection

I live in XXXX XXXX and was a XXXX XXXX XXXX. I became dissatisfied with XXXX XXXX and changed to XXXX XXXX. 
XXXX  ask me to send their equipment back to them and I did. I sent their XXXXXXXX XXXX XXXX XXXXXXXX, a Remote Control, a XXXX XXXX, XXXX Receiver and a XXXX XXXX XXXX off of the XXXX XXXX  Outside of my house. All of these were boxed up and shipped to this address Customer Service XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, TX XXXX. This was done on or about XX/XX/year>. 
The above was taken to XXXX XXXX in XXXX, NC and dropped off, checked in by a clerk with a hand held wand. This boxed up material was left for XXXX XXXX XXXX to pick up and ship to above address in Texas. 
Needless to say I do not have the receipt for this shipment. I have been in contact with different people at the XXXX XXXX and I have explained what I did with their equipment at least twice maybe 3 times. My daughter who is my POA also called them trying to get some consent from XXXX that the equipment was sent to their customer service listed above. 
Now XXXX has turned this over to a collection agency who has written this letter stating that I owe XXXX XXXX {$480.00} for their equipment. I dispute their claim in that I do not have the equipment or stolen it or give it to someone else. I did in good faith do exactly what they requested in sending back their equipment, therefore I do not believe I owe them XXXX for some thief that showed up and has taken the equipment or it is sitting somewhere in a corner and no one has processed the equipment or made any inquiry as to where or who it came from. 
So it is my word against theirs but I am willing to take a polygraph test to see just who is not telling the truth about this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection Account : ( Original Creditor : ) Account No. XXXX Balance : {$150.00} and {$430.00} This is a formal complaint against Equifax XXXX The name of the furnisher is not reported correctly. I have disputed this account with the credit bureaus for the 6th time or more and this has been deleted by the other credit bureaus. How is this still reported in Equifax when the other two bureaus have removed this from my credit report? 

The collector changed their company name to XXXX  ( XXXX XXXX ), which used to be XXXX  XXXX. These changes on their company 's profile have made a negative impact on my credit report because it resulted to the account being re-aged and that is not fair credit reporting.
Product: Debt collection

I received a phone call from this company, Unifin , Inc. back in XX/XX/2022. They stated they were a debt collection company. I asked for what debt? They couldn't tell me without asking for my personal information. I provided the basic info, enough for them to tell me who they were. I had never heard of them or the alleged debt that I allegedly owe. They claimed that I owe them, {$1600.00}. I asked them if they have a signed contract or promissory note from me stating I owe them, They said that it isn't required and that I owe them the money. I stated that if they do not have a piece of paper with my signature on it stating that I owe them, then I do not. I then proceeded to hang up. They then in turn have called me daily at minimum 6 times a day, never leaving a voicemail. I have no knowledge of this alleged debt and they will not stop harassing me.
Product: Credit reporting or other personal consumer reports

This correspondence serves to notify you that I have recently obtained a copy of my credit report published by your organization. Upon careful examination, Im writing to dispute the inaccurate information that appears in my XXXX consumer report. 

The Fair Credit Reporting Act ( FCRA ), as outlined in 15 USC 1681, pertains to Section 623, which addresses the responsibilities of consumer reporting agencies regarding the maintenance of accuracy. The Act stipulates that these agencies are required to report solely accurate information. Therefore, I kindly request to remove the inaccuracies from my report. 

On XX/XX/XXXX, I examined my credit report and discovered that XXXX is reporting incorrect information. Firstly, an old address, XXXX XXXX XXXX XXXX Oh XXXX, has reappeared, although I have never resided at that location. Additionally, the status of my XXXX card tradeline is incorrect. For account number XXXX, it indicates that the account was written off in XX/XX/XXXX, which is inaccurate ; it should have been written off in XXXX. Furthermore, the second XXXX card, # XXXX, has an erroneous reporting status for the period from XX/XX/XXXX to XX/XX/XXXX. I request the removal of this inaccurate information from my record. 

Furthermore, regarding my XXXX Credit card ending in XXXX, I have noticed that XXXX, Equifax, and XXXX reported a charge-off in XXXX, whereas it actually occurred in XXXX. Federal regulations require the accurate reporting of information, and this company has not complied. I request the removal of this inaccurate data from my credit report. 

On XX/XX/XXXX, I dispatched a certified letter to all credit bureaus, requesting the removal of accurate data associated with XXXX. I informed them that they have 30 days to verify and eliminate this erroneous information.
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. 

1

5 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX h & r accounts 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 also states a consumer reporting agency can not furnish a account without my written instructions 15 u.s.c 1681 c ( a ) ( 5 ) section states no consumer reporting agency can make any consumer report containing any of the following items of information any adverse items of information other then records of conviction.

15 u.s.c 1681 - 2 ( a ) ( c ) 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

Subject : Formal Complaint Regarding Violations by XXXX and Adverse Actions Dear Sir/Madam, I am writing to bring to your attention a matter of significant concern regarding the actions of XXXX, which have resulted in a violation of my rights and have caused harm for the second time. Despite being in arbitration, XXXX has continued to take adverse actions against me, impacting my financial well-being and reputation. 

It is imperative that my account with XXXX be placed in a " do not collect, do not pay '' status immediately to prevent further harm. I have duly notified TransUnion of the ongoing arbitration process as a conscientious consumer, and I strongly believe that these actions are being carried out intentionally to undermine my rights. 

I am deeply troubled by the deliberate nature of these violations, which I perceive as a blatant infringement upon my consumer rights. It is evident that certain individuals are neglecting their responsibilities, leading to these unjust actions. I demand that this situation be rectified promptly. 

As previously communicated, I did not authorize XXXX to report any transactions, including late payments, to my account. TransUnion is aware of this breach of my consumer rights, and I expect appropriate actions to be taken to address this issue. Should such violations occur again, I will seek compensation for the damages incurred. 

I trust that you will handle this matter with the seriousness it warrants and take the necessary steps to ensure that my rights are upheld and protected in accordance with the law. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I would like to connect my pnc account with my XXXX  account to transfer money to my family and friends
Product: Checking or savings account

Subject : Urgent Complaint Regarding KeyBank National Association 's ErrorDear Consumer Financial Protection Bureau, I hope this message finds you well. I am writing to bring to your attention a distressing matter regarding a significant error made by KeyBank National Association, which has had severe repercussions on my financial stability and overall well-being.On XX/XX/XXXX, I deposited a paycheck from XXXX totaling {$860.00} into my XXXX account. At the time, I was uncertain if the paycheck had been previously cashed out, but I trusted that such matters were within the purview of the banking system to manage accurately. However, approximately one week later, I was abruptly terminated from my job, which coincided with a series of unfortunate events involving my XXXX XXXX XXXX checking account.The error occurred when KeyBank National Association mistakenly directed funds intended for my XXXX account into XXXX XXXX XXXX XXXX checking account instead. This erroneous transfer caused significant disruptions to my financial obligations, resulting in overdrafts and ultimately the closure of my XXXX XXXX XXXX  checking account due to insufficient funds.Moreover, this is not the first time I have encountered such challenges with banking institutions. Previously, XXXX XXXX closed my checking account citing concerns of fraud, exacerbating my financial predicament.The inability to access a checking account has severely hindered my ability to manage daily expenses, particularly as I rely heavily on online shopping for essentials such as food, groceries, and clothing. Additionally, the loss of employment coupled with the financial turmoil caused by KeyBank 's error has left me in a precarious situation.I am deeply troubled by the repeated mistakes made by KeyBank National Association, which have had profound consequences on my financial stability and employment status. I implore you to investigate this matter urgently and take appropriate action to rectify the error, as well as provide assistance in restoring my access to banking services.Thank you for your attention to this matter. I eagerly await your prompt response and resolution to this pressing issue. 
Sincerely, XXXX XXXX
Product: Mortgage

On XX/XX/2016 I received an escrow letter from Caliber Home Loans stating that My mortgage payment was going to increase from {$620.00} to {$1500.00} on XX/XX/2016 due to an escrow shortage caused by an HOA assessment in the amount of {$340.00}. I immediately contacted Caliber and spoke to XXXX who advised me that a check was being sent every month in the amount of {$340.00} to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX Fl XXXX. I advised her that my association is XXXX XXXX at XXXX XXXX XXXX XXXX Fl XXXX and my association fees are paid by me every month they are not included in my mortgage and that there are no special assessments on my property. After numerous phone calls and XXXX XXXX, 2016 fast approaching and nothing being resolved on XXXX/XXXX/16 I was forced to seek legal counsel to have to resolved before my mortgage was in default due to not being able to make payments that were not correct through no fault of my own. I had to pay {$900.00} to attorney XXXX XXXX to ave this issue resolved on XXXX/XXXX/2016 XXXX XXXX sent a letter requesting this be resolved and fortunately at this point my mortgage payment has been corrected. I am still currently out {$900.00} in attorney fees that Caliber does not seem to want to reimburse me for. This was something that had they not erroneously mismanaged my escrow account or at minimum resolved the issued when they received my letter and documentation supporting my mortgage should not be going up because this was an error on their part I would not have had to pay {$900.00} to an attorney
Product: Mortgage

I asked my mortgage company ( MIDLAND MORTGAGE ) to defer my payment due to hardship. My identity was stolen and as a result i was fired. They are requesting documents i cant provide. I called and spoke to them and they were nasty. Horrible Argumentative and rude. I am not applying for anything. I just want to defer a payment or 2 until i get back on my feet. And they absolutely refuse to qork with me. I know they have to legally allow me to do this under fha or HuD guidelines and they will not even help me. They just refuse