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

I am submitting this formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, to request an update to my personal information as reported in my credit file. Upon reviewing my credit report, I have identified inaccurate or outdated information that needs to be corrected. As per my rights under the FCRA, I request that you investigate this matter and make the necessary corrections within 30 days.

Below are the details of the incorrect or outdated information : 1. Incorrect Name : My legal name is XXXX XXXX XXXX, but my credit report incorrectly lists it as XXXX XXXX XXXX. Under the FCRA, inaccurate information must be corrected promptly. I request that my name be updated to reflect my legal identity. 
2. Incorrect Address : My current residential address is XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, PR XXXX. However, my credit report contains incorrect addresses : XXXX XXXX XXXX, XXXX XXXX, PR XXXX XXXX XXXX, XXXX XXXX XXXX PR XXXX Since outdated addresses can cause identity verification issues and increase the risk of fraud, I formally request that they be removed and that my current address be updated accordingly. 
Enclosed Supporting Documentation : A copy of my driver 's license or passport displaying my correct legal name. 
A recent utility bill or bank statement confirming my current address. 
Legal Basis and Request for Confirmation : Under FCRA 15 U.S.C. 1681i, Experian is required to investigate and correct inaccurate information within 30 days of receiving this dispute. Therefore, I formally request written confirmation once the corrections have been made, along with an updated copy of my credit report reflecting these changes.

If this matter is not resolved within the legally mandated timeframe, I reserve the right to escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ) and take further legal action if necessary. 

Thank you for your prompt attention to this matter. I look forward to your written confirmation.
Product: Checking or savings account

On XX/XX/year>, I had received a letter in the mail from what appeared to have come from my Gas company, the letter looked suspicious, it had stated a payment I made was returned. Because this was the second time within the last 30 days of vendors stating payments were not received, I went online to my Bank Of America Checking account. As I began to search for the payment, I got messages that they had no record of the vendor. I went again to my account to scroll through it, because it was not just 1 time I had paid my Gas bill with my BOA checking account. I was able to find one, but not others. I then requested the help of speaking to a BOA live rep. Upon speaking to him, I expressed my concerns because it's not showing other payments I had made to XXXX XXXX  XXXX XXXX. I went on to tell him I was now afraid, because this is the second vendor that asked me for payment, when It had been paid, the first one I took a screen shot of the paid BOA reciept. He responded that that payment was dropped, when I questioned when, because I had filed a complaint with XXXX, against the one vendor and used the screenshot used as my proof, it wasn't until I mentioned that the same Vendor whom BOA, is in real estate business with this company, I questioned how is it that the number they have listed for us to contact is a wrong number, that when I reached out I was told the number I contacted was wrong, she was a realtor for the vendor but the number is wrong. Now today I am having issues with another vendor and I'm told that those two payments were dropped from my account, I have never had be it a return or not I have always been able to find all information regarding payments. The money was in the account for both payments the first showed as being paid and now there is no record of not just that one payment to XXXXXXXX XXXX XXXX  but others I have paid using my BOA ACCOUNT, and I am supposed to just say okay? Where is the money which was placed in the account for those reasons?
Product: Mortgage

I have emailed my clients account manager 5 times with the third party with no response. When I attach it here you say I am not authorized. I have the Fay Servicing third party that is on your website filled out. I will attach it again so please open the attachment. Who or where do I sent this third party authorization to?
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Third Dispute Regarding Inaccurate Late Payments Dear CFPB, I am filing a formal complaint against your agency for failing to correct inaccurate information regarding late payments reported on my credit report for XXXX of my accounts. Despite multiple requests for correction, including letters dated XXXX and XXXX, my requests have been ignored, violating the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Disputed Information : Late payment notations remain inaccurately reported despite my payment history showing all payments were made on time. Specifically : Experian reports : XXXXXXXX late payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
XXXX late payments in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
XXXX late payment in XX/XX/XXXX, matching XXXX 's XXXX. 
These discrepancies have not been addressed in previous investigations. 
Violations Identified : FCRA Violations : 15 U.S. Code 1681i : Requires credit reporting agencies to ensure the accuracy of information in consumer files. This has not been upheld in my case.

15 U.S. Code 1666b : Creditors must send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting suggests a failure to comply with this requirement.

TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness.

PAANL Violations : Under the Protection Against Non-Payment of Obligations Act ( PAANL ), creditors are obligated to provide timely statements to prevent unfair penalties to consumers. This responsibility has not been met, as evidenced by the inaccurate reporting.

Desired Resolution : Immediate removal of all inaccurate late payment notations from my credit report.

Written confirmation of the correction made to my credit file.

If this issue is not resolved promptly, I will escalate my complaint, including filing additional complaints with relevant regulatory agencies and pursuing potential legal action.

Attachments : To assist with your investigation, I have included : Copy of my Social Security Number.

Copy of government-issued ID.

Proof of address. 
Highlighted credit report indicating the inaccuracies. 
I kindly request that you provide a detailed description of the investigation process and the evidence used to validate the late payments within 15 days, as required by the FCRA. 
Thank you for your prompt attention to this matter. I look forward to receiving a resolution and confirmation of corrections within the timeframe mandated by law. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX - XXXX XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report XXXX  XXXX - XXXX *** Verify Account - 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report XXXX XXXX - XXXX Verify Account - 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report XXXX  - XXXX Verify Account - 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balanced Owed : {$660.00} 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

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Equifax. 


1. Company Name : XXXX XXXX XXXX Date : XX/XX/2021 - Unauthorized inquiry by Identity Theft 2. Company Name : XXXXXXXX XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/2021 - Unauthorized inquiry by Identity Theft
Product: Debt collection

DUVERA is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1900.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2015 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer XXXX XXXX XXXX XXXXXXXX Balance - ; XXXX XXXXXXXX Balance - ; XXXX XXXX  Balance {$320.00} ; XXXX XXXXXXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX Balance XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; EXXXX XXXX XXXX Balance : {$0.00} ; Bankruptcy XXXX XXXXdismissed Filed on XXXX XXXX XXXX Reference number XXXX XXXX ; XXXX XXXX  : Bankruptcy Date Filed XXXX XXXX XXXX Reference Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX NXXXX XXXX  Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX
Product: Mortgage

Last year I paid over 4400 dollars in escrow shortages and issues when my mortgage co SPS serving misapplied funds reduce principal payment and not to escrows or actual payments. I paid in XX/XX/XXXX ( XXXX ) and again in XX/XX/XXXX XXXX   ) over after they said I still had an escrow shortage. After 3 months and multiple calls, I finally got an outside corporate rep to escalate the issue after my manual calculation showed where the error was in XX/XX/XXXX/ XX/XX/XXXX of last year, I was told my account had been corrected. 

Today I receive a shortage of escrow/escrow analysis document showing not only was the last analysis used ( they had to manually correct it since it was incorrect ) but they show I now have additional escrow shortage. After speaking with an account rep she verified to me that they AGAIN have been misapplying funds and have not taken out escrow out of my payment since XX/XX/2017. I have payment statements showing I have a ZERO escrow shortage and that my payment reflects escrow YET they are still misapplying funds. 

I am very upset and feel these applications issues from last year and now again has put undue strain on me mentally and my marriage. I have ZERO confidence this will be handled. I want to complain about their bookkeeping and their practices of amounts due and owing. If I did not catch this error I feel they would have again asked per the letter for me to pay {$4900.00} and additional charges for shortages. This issue If I have to pay any additional amount would put me at risk of foreclosure because I can not pay additional escrow or payments as it is difficult to make payments. Maybe this is a calculated way to default consumers? 

This company should be fined for the application of funds, improper charges, misleading information, and unprofessional practices. My next recourse if they do not fix this is to hire an attorney and sue for unfair accounting practices and fraud.
Product: Credit card or prepaid card

plan a vacation one week in XXXX XXXX, a week before departure had an accident, contacted travel agency, airline credit card company, the gave me the impression that they will consider taking care of the problem. they did not. I did communicate both mor than 3 times, no obey. departure past the travel company ask the airline to make an action that a " no show '' will kept the travel agency not liable to refund the ticket nor change the itinerary to another date even if a penalty that I was willing to pay with no hesitation. purchase the seats and the airline gave me credit for them for a further travel. purchased an insurance, with the same travel agency thru a third party, after they knew I was not able to fly, they did refund the insurance fee. The credit card company took my claim, did processed and fail to get the refund, and gave me no hope to recover the plane tickets nor the money not even think about miles, reason given the card is sponsor by an airline not involved in this mess. At the end the credit card company gave me no valid reason after deceiving and untrue letters from the travel agency suggesting and asserting that is my fault all alone and just forget about it, and on top of that that stuff happens and I get to give money away because '' it is difficult to deal with these kind of merchants and the economy is bad, and no worries you still have / {$21000.00} credit with " Us '', just. keep paying ( {$2100.00}, {$800.00} emergency services. {$1500.00} paid vacations, plus the highest interest on top and keep cool!!. All I ask was open tickets to the same destination at my convenience with a fair fee in good faith, that's all, just deliver what I prepaid!. 
thank you, respectfully The Deceived Customer.
Product: Checking or savings account

On  XXXX   XXXX , 20017 I checked my acct and had  XXXX  in my acct. Checked my acct on  XXXX   XXXX  and seen that I had  XXXX  In over fees. I called the bank and talked with the manager she said that it was because of  XXXX  charged but when I look on my statment I had about  XXXX  after that came out. So than on  XXXX   XXXX  we went to the bank so they can show me why I went over. The assistant manager sat down with us looked at are statement and the statement she printed out and agreed that we should have never got the  XXXX  over fee. And that has caused a snowball affect. She said she would talk with the  manager  and get back to us on Monday. On Monday the assistant  manager  called and said it was because of a  XXXX  deposit that made us over. The manager called us back week of  XXXX   XXXX  and said it was a  XXXX  that caused the problem but yet it dose not show up on my statement nor t he one the acct manager printed out.
Product: Debt collection

Someone used my identity ss # everything to rent this apartment. This was not me at all and it upsets me because this is causing me problems and I did nothing. I believe it was someone in my wife 's family. Hopefully, they will catch this person and I told them I would help in any way
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I went to XXXX ( XXXX XXXX XXXX ) with an already approved loan from my current credit card company 'XXXX XXXX '. I was willing and ready to use my XXXX XXXX auto loan without hesitation. 

My salesman apparently ran my credit with MULTIPLE lenders WITHOUT my permission or knowledge on doing so. Not to mention, I have a 'Fraud Alert ' on my XXXX which should have prevented anyone from gaining access to my credit account without my approval. It wasnt until I checked my report 30days later and seen such transactions. 

I did not authorize all of these auto lenders to run my credit as I have been diligently working to build my credit and with all of these hard inquiries it has brought my credit score down. I have made attempts to contact XXXX XXXX regarding this issue but was informed there is nothing they could do, that I would need to dispute these transactions with the lenders. 

I would NEVER have authorized all of these hard inquiries when I was already approved for an autoloan. 

*I tried to upload my XXXX XXXX Auto Navigator approved loan but since I purchased the car, I no longer have access to such document*
Product: Vehicle loan or lease

force to change a vehicule and then repossetion gap insurece pay the vehicule off
Product: Credit reporting or other personal consumer reports

Per the FCRA, as a federally protective consumer, I am now opting out any and all authorization, I the consumer may have given you, written, unwritten, verbal, and non-verbal, per 15 USC 6802. THE PRIVACY ACT OF 1974. ( 15 USC 1611 ) Criminal liability for willfully and knowing violations. ( 15 USC 1681 ) Accuracy and Fairness of Credit Reporting. IT IS ILLEGAL TO REPORT TRANSACTION HISTORY. ( 15 USC 6801 ) It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic information. ( 15 USC 6802 ) Obligation with respect to disclosures of personal information. ( 15 USC 6805 ) The Bureau of Consumer Financial Protection enforces the enforcement regulations prescribed there under XXXX, the Federal functional regulator, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law. According to IRS Publications, a Charge-Off is considered income which means it can not be reported on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX TX, last XXXX of account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section : It also says states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 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: Debt collection

The collection agency reported a collection account for a medial bill from XXXX XXXX XXXX to the Credit Bureaus in XXXX of this year. However they did not send me the initial notification of the debt until a letter dated XX/XX/2021. This did not allow me the opportunity to either verify the debt not take action regarding it. when I called them after receiving the letter in XXXX, I spoke with XXXX XXXX, and she informed me that they sent me letters on XX/XX/XXXX and XX/XX/XXXX. I never received said letters, and when I asked her to send me copies of them she refused. I do not believe the mailed any letters and are, therefore, out of compliance with applicable Federal law including FCRA. I therefore demand that this report to the credit bureaus be completely removed, and that I be given time to investigate and if necessary pay the debt.