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

XX/XX/XXXX Subject : Dispute of Inaccurate Credit Information - Account : XXXX Dear Credit Bureau, I am writing to formally dispute the inaccurate, unverifiable, and incomplete information that appears on my credit report from your agency. The account in question is listed below with its associated details : XXXX  Account Information Account Number : XXXX ( TransUnion ), XXXX ( XXXX ), XXXX ( XXXX ) High Balance : {$4000.00} ( TransUnion ), {$0.00} ( XXXX ), {$2400.00} ( XXXX ) Last Verified : XX/XX/XXXX ( TransUnion ) Date of Last Activity : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ) Date Reported : XX/XX/XXXX ( all three ) Date Opened : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX, XXXX ) Balance Owed : {$4000.00} ( all three ) Closed Date : XX/XX/XXXX ( TransUnion ) Account Rating : Derogatory ( all three ) Account Description : Individual ( all three ) Dispute Status : Account not disputed ( TransUnion, XXXX ), Account disputed ( XXXX ) Creditor Type : Miscellaneous Banks ( TransUnion ), Bank Credit Cards XXXX XXXX XXXX, All Banks ( XXXX ) Account Status : Closed ( all three ) Payment Status : Collection/Chargeoff ( all three ) Creditor Remarks : Charged off as bad debt ( TransUnion ), Subscriber reports dispute resolved - consumer disagrees ( XXXX ), Consumer disputes after resolution ( XXXX ) Payment Amount : {$0.00} ( all three ) Last Payment : XX/XX/XXXX ( TransUnion, XXXX ), XX/XX/XXXX ( XXXX ) Term Length : XXXX ( all three ) Past Due Amount : {$4000.00} ( all three ) Account Type : Credit Card ( TransUnion, XXXX ), -- ( XXXX ) Payment Frequency : XXXX ( all three ) Credit Limit : {$2500.00} ( all three ) Discrepancies and Inaccuracies There are numerous discrepancies and inaccuracies within the information reported by each bureau : 1. High Balance : Different amounts reported by TransUnion ( {$4000.00} ), XXXX ( {$0.00} ), and XXXX ( {$2400.00} ). 
2. Date of Last Activity : Different dates reported by TransUnion ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), and XXXX ( XX/XX/XXXX ). 
3. Creditor Remarks : Different comments regarding dispute resolutions and charge-off statuses. 
4. Account Status and Payment History : Inconsistent reporting of derogatory status and charge-off payments across all three reports. 


Request for Investigation and Deletion Given these discrepancies and the inaccurate, unverifiable, and incomplete nature of the information, I request a thorough investigation into this account. If the information can not be verified, please delete this account from my credit report immediately. 
Enclosed are copies of my credit reports from TransUnion, XXXX, and XXXX, highlighting the relevant portions. Also included are copies of my identification and any additional documents you may require for verification. 
Thank you for your prompt attention to this matter. I look forward to receiving a response within 30 days as required by the Fair Credit Reporting Act ( FCRA ). 
Sincerely, XXXX XXXX XXXX XXXX
Product: Mortgage

My wife and I closed a Reverse Mortgage on XX/XX/2022 with Plaza Home Mortgage. PRIOR to close we were required to fix certain items identified by the appraiser and pay to have the appraiser come back out to the property and verify that all required repairs were completed. One item they required was for my Rear Stairs and Railing to be re-stained on the exterior of the home. I completed the staining, paid for the appraiser to come back out and verify the staining was completed and take pictures which the appraiser sent to Plaza Home Mortgage , Inc. and then once verified I was allowed to close on my loan. 

Now after closing I keep getting threatening mail and calls demanding I re-stain the rear steps and deck. when I explain we have already done this PRIOR to closing and that they have proof of this already they just revert back to the threats. My loan officer sent them a copy of the appraisal showing these items were already completed but I keep getting threats and they refuse to release the funds they are holding to have this completed in the amount of XXXX. Please see uploaded re-inspection # 2 which clearly states stairs re stained and provides pictures.
Product: Debt collection

I lived in these apartments for over 3 years. I notified them that due to repeated robberies & my apartment being broken into, and also their failure to make adequate repairs that I was moving at the end of my lease. They contacted me about rent after I moved out & after they received the 30 day notice at the end of my lease. They didn't dispute this when talked with them directly. They sent me no notice of any debt and just sent it straight to a collection agency and put it on my credit reports. This information is not correct, I owe them nothing and trying to have the know collections agency removed this has gotten no where. The only verification they sent was regarding the lease, which shows I moved out at the end of the lease, so do not owe rent. Rent was paid thru the last month.
Product: Debt collection

In XX/XX/XXXX, I contacted XXXX regarding an unrecognized account on my credit report from FOREST RECOVERY SERVICES. XXXX  responded back to the dispute indicated they were able to verify the debt however Forest Recovery has never sent me any notifications under the Fair Debt Collection Practices Act ( FDCPA ) that I owe any debt nor did the status of the dispute update. It still a status date of XXXX which means XXXX never investigated and never provided any documentation with my signature on it to legally verify this debt is mines either. THIS IS A CLEAR VIOLATION OF FCRA. 

I did some research and learned the the XXXX XXXX XXXX XXXX died in XXXX. So they are attempting to collect on an account from a deceased doctor and that I have never did business with. 

THIS DEBT IS NOT MINES.
Product: Credit reporting or other personal consumer reports

EARLY WARNING SERVICES HAS OBTAIN MY PERSONAL RECORDS AND ARE SHARING MY BANKING/FINANCIAL INFORMATION WITH. NON-AFFILIATED THIRD PARTY LENDERS WITHOUT MY KNOWLEDGE OR WRITTEN CONSENT
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts have been disputed multiple times, and each time the accounts are updated as verified. I have requested on multiple occasions for proof of verification due to these being medical debts that I have no knowledge of, and I have yet to be provided with copies of these verifications! I am requesting these accounts be deleted immediately from my report for failure to comply with correct protocol on supplying proof of the listed debt! 

XXXXXXXX XXXX XXXX XXXX : XXXX Amount : {$1200.00} XXXX XXXX XXXX XXXX Amount : {$660.00}
Product: Checking or savings account

Credits post before Debits always. PNC Bank makes my deposits available the next day. PNC charges fees when my balance is not overdrawn or Uncollected. Also PNC has a system of paying the highest check so more items are returned and generate more fee income for the bank
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( XXXX XXXX XXXXXXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 
XXXXXXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Since the beginning of 2020 Shellpoint Mortgage Servicing has been charging me with hazard and flood insurance for the property that already is protected under a blanket policy. I have sent them, and they also told me that they have received the proper paperwork stating that the property is fully insured, yet they continue to charge me extra fees. Because I am automatic billing through my bank, ( I have been paying every month on time ), each month they have been tacking on LATE FEES and now my account is in delinquency. ALSO ... i have recently checked my credit score, and it has negatively affected it. Recently dropped from XXXX to XXXX directly related to this incident. I have spent at least a total of 20 hours either on hold with different departments and/or different supervisors. Even there own employees admitted that the wait time is excessive to get a customer service representative was unacceptable. 
All of this has been going on since the beginning of the year, but most recently i have calling them at least 2 times per week for the past 4 weeks with no resolution. My CREDIT SCORE has been adversely affected, and this MUST STOP NOW!!
Product: Credit reporting

I am unable to obtain my experian credit report on line. I am also unable to access my free anual credit report online via the annualcreditreport.com website. I was told the size of the report is causing this and may be related to the number of soft inquiries generated by reviewing my own report. As I had previously been a victim of Identity Theft, I checked my report almost daily for new/unauthorized inquiries or accounts appearing. That is why online access is so important to me. Now, apparently the file size will not allow online access and I must mail in a form to get a copy of my report. For someone who is monitoring their credit for identity theft in the event someone attempts to open an account in my name, I need to be able to access my credit information without waiting two weeks for XXXX in the mail.
Product: Credit card

we were charged a {$19.00} annual fee for a credit card that we no longer owned or used. We never got any statements and now we have XXXX thirty day lates on our credit report.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to express my deep concern regarding what I believe to be a violation of my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I am referring to the accounts listed below : 1. Account # : XXXX 2. Account # : XXXX 3. Reference # : XXXX / XXXX / XXXX Under 15 U.S.C. 1681 Section 602 A of the FCRA, I have the fundamental right to privacy, which has been compromised in this situation. Additionally, 15 U.S.C. 1681 Section 604 A Section 2 of the FCRA clearly stipulates that a consumer reporting agency can not furnish an account without my explicit written instructions.

I have diligently attempted to address this issue by reaching out to credit reporting agencies, including Experian, XXXX, XXXX, and XXXX XXXX. I have submitted multiple letters expressing my concerns, yet regrettably, I have received no meaningful response. Instead, I have been met with a frustrating cycle of vague explanations, such as " The accounts came back Verified '' or " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. '' To further illustrate my concerns, I have taken the liberty of highlighting discrepancies within my credit report and have attached copies of the letters I have previously sent for your reference. 

I sincerely request your urgent attention to this matter. My rights under the FCRA are of utmost importance to me, and I believe that addressing this issue promptly is essential to ensure the accuracy and integrity of my credit report. 

I kindly request that you investigate this matter thoroughly and provide a detailed response outlining the steps taken to rectify the situation. 

Thank you for your prompt attention to this matter. I look forward to your response and a swift resolution to this concern. 

Sincerely,
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. 
Account name : XXXXXXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, 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: Debt collection

I called them to cancel the service but they put me on hold for whole day and later they stop picking up my call.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus have repeatedly disregarded the law. I have demonstrated to them multiple times how they are violating the Fair Credit Reporting Act. According to 15 USC 1681i ( 5 ), the credit bureaus must modify or delete accounts that are not reporting accurately.

According to 15 USC 1681b ( 1 ), the credit bureaus do not have written permission. According to 15 USC 1681, I have the right to privacy.

According to 15 USC 1681s-2, a person shall not furnish any information relating to a consumer to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 

A person shall not furnish information relating to a consumer to any consumer reporting agency if they have been notified by the consumer, at the specified address, that specific information is inaccurate.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, as the information is inaccurate and, in fact,. 

XXXX. XXXX, XXXX Account XXXX. 

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

According to 15 U.S.C. 1681c. ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

According to 15 U.S.C. 1681s-2 ( A ) ( 1 ), a person shall not provide any information about a consumer to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. The credit bureaus are not abiding by the laws, which is completely unacceptable and needs to be addressed. They need to be held responsible for their actions.
Product: Credit card

Bank of America makes it very difficult to manage autopay and scheduled payment. Recently, they said I missed a payment. I never miss a payment unless the payment due date was not provided to me. Bank of America also did not send me statements or make the information of autopay available to me.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX XXXX dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance {$3900.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$2400.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$690.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$340.00} Open Date XX/XX/XXXX XXXX XXXX OF XXXX XXXX {$0.00} Open Date XX/XX/XXXX 2019
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If the 3 credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

ARIVO ACCEPTANCE LLC has ran my credit reports without my consent i am really upset about this due to the fact i am trying to get a home and got denied due to their fradulent inquires. XX/XX/year>XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to address a discrepancy in Equifax 's response to my complaint through the CFPB portal on XX/XX/2023. The response provided by Equifax is inaccurate and unrelated to my credit report. It appears that they have mistakenly addressed the response based on a family member 's credit report with a similar name, rather than my own. 

To clarify, my name is XXXX XXXX, and upon reviewing my credit report, I found that every account mentioned in Equifax 's response is not listed anywhere on my report. The only collection listed on my credit report is from XXXX XXXX XXXX account number # XXXX. 

In my initial complaint, I clearly stated that XXXX account # XXXX has violated my rights as per the Fair Credit Reporting Act, specifically referring to my right to privacy under 15 U.S.C 1681 section 602 A. Additionally, section 2 of 15 U.S.C 1681 Section 604 A states that a consumer reporting agency can not furnish an account without my written instructions.

I kindly request that you address this matter accordingly and rectify the situation with Equifax. It is evident that they have pulled someone else 's credit report, erroneously associating it with my complaint.

Thank you for your attention to this matter. I look forward to a prompt and accurate resolution. 

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

XXXX, EXPERIAN has violated my federal consumer rights along with may reporting violations found due to inaccuracies and unverified accounts I have attcahed the letter from the bankruptcy court that they do not verify with third parties I HAVE INFORMED THEM OF THE IDENTITY THEFT however they aren't reporting it rights violated BLOCK Delete fraud accounts victim of identity theft and this information was received from a third party DELETE ( XXXX ). 
I have attached letter from the XXXX bankruptcy court stating they do not verify with third parties like XXXX Victim of identity theft DELETE Fraud FTC Report attached under law 15 USC 1681 Section C ii also 15 U.S code S 1681c 2 the removal of fraud reported by consumer be deleted in XXXX  days or CFPB VIOLATION occurs. next issue inconsistencies in COURT NAME & REFERENCE NUMBER Reference # : XXXX XXXX Experian XXXX XXXX different names Court : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX reporting violation found XXXX XXXX  XXXX XXXX Account # : XXXX DELETE unverified account FRAUD I did not file this complaint in error and please update my ADDRESS to whats on my GOVERNMENT ID you have all documents to proceed
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite my previous 2 written requests, the unverified items on the attached doc remain on my credit report are in violation of Federal Law. You stated in your responses to my 2 previous dispute letters to you that you have verified that the items listed below are accurate, but you failed to send me copies of the documents that you used to verify these accounts as per my request.
Product: Credit reporting or other personal consumer reports

This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. I do not consent to an electronic communications. I request all responses be in writing through the USPS.

These items are not correct and are causing me financial and emotional distress because of their derogative nature. The following items must be updated : XXXX XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXXXXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
Product: Debt collection

I received my credit file and noticed credit acceptance had been reporting negative payments to all CREDIT REPORTING AGENCIES which makes them in violation of 15 USC 1605. I've sent them over a letter VIA certified mail on XXXX XXXX  tracking number being ( XXXX XXXX ) which had been picked up by their company on XXXX XXXX. Ive asked company to stop reporting and correct all inaccurate late payments and to update the balance to XXXX $ being that the account had already been paid. This account is preventing me from achieving future goals due to lenders looking at account as negativ
Product: Checking or savings account

There were several fraudulent transactions on my account. The bank would not allow me to login to my account. After disputing the transactions, there is a person who interacted with customer service and asked for the disputes to be reversed. My account is not accessible by me at all, and I was chased by several XXXX XXXX  females inside the bank. The bankers called police and no police arrived for a report. The transactions remained on my account and there are illegal collection activities through my phone and email address was changed to an old email for the interactions. I can not access the account or discuss the issues because of the illegal collection calls and the nature of the calls being made to my phone.
Product: Credit reporting or other personal consumer reports

On my tenant screening report they have an apartment complex on there where the judge dismissed it and they will not remove that off my credit I have the court documents and I will upload it the name of the apartment complex is XXXXXXXX XXXX XXXX