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

I tried to by property the lender pulled up FICO score but the score does not show their report. Without the FICO score lender can not process the loan XX/XX/2021 So I want to fix FICO score I have all the reports from company There is no problem on the on the report but only there is no score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any account whhttps : //portal.consumerfinance.gov/consumer/s/login/ich 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 is not information relating to any transaction by the consumer. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 


If you claim this account is 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove these accounts from my file. 

Please note Im sending this letter certified to protect my rights. Ive researched online that you make a habit to not comply with the above listed FCRA statute. If you choose to ignore my request to block these accounts I will be referring this matter to my attorney for further action. Please do not make this a litigious matter XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$600.00}
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL 4 CREDIT BUREAU S HAVE SECURITY ALERTS, FRAUD ALERTS EXTENDED ALERTS AND CONSUMER FRAUD STATEMNETS.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

I am writing to file a formal complaint regarding the negative remarks from XXXX XXXX XXXX on my credit report, which I have requested be investigated. I initially contacted TransUnion on XX/XX/year> to dispute these negative remarks. However, it has now been over 30 days without any resolution, and the account is no longer reporting. Despite this, I am still concerned about the potential impact these delayed actions may have had on my credit profile. 

Under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681i ( a ), when a consumer disputes information on their credit report, the credit reporting agency is required to conduct a reasonable investigation within 30 days. TransUnion has failed to comply with this statutory timeline, which has caused unnecessary delay in addressing the inaccurate or outdated information. Additionally, Section 1681i ( a ) ( 6 ) of the FCRA mandates that when a dispute results in the removal or correction of inaccurate information, the credit reporting agency must ensure the report is updated promptly. 

Since the XXXX XXXX XXXX account is no longer reporting, I am concerned that TransUnion did not conduct a thorough investigation and has failed to correct the information on my credit report in a timely manner. I request that TransUnion immediately complete a proper investigation into this matter, update my credit report to reflect the correct information, and confirm whether the negative remarks were removed or corrected in accordance with the law. 

Please provide a detailed response outlining the actions taken to resolve this matter and ensure my credit report reflects accurate and up-to-date information.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This just proves that XXXX, XXXX and XXXX Credit Bureaus are lack proper record keeping. Now, this account is reporting to be mine, yet it is not familiar to me and pulling my scores down. Lets correct this immediately. The Bureaus are required to verify for themselves but I will go ahead and remind you that this account was not mine. Provide documentation that the Bureaus have not abrogated my rights by reporting false information, otherwise remove this account immediately.
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and notice I had a fraudulent account on my report. Please remove this account from my report. They are hurting my ability to obtain credit.
Product: Mortgage

Specialized Loan Servicing ( SLS ) failed to honor my auto-payment deduction form, twice submitted with requested additional principal to be taken out. They failed to incorporate the form in closing already sent to them from XXXX  ( as they allege they did ). At closing I had to fill out another form as it was not accounted for. After closing both XXXX and SLS sent me notices of pending first auto-pay bill, with again the incorrect amount, without the requested for ( twice ) additional balance. Attempted to have XXXX  work with SLS to correct. XXXX  refused ( see my complaint on them ), instead sent me to SLS XXXX auto-bot customer service line. After some time going through auto menus, and first agent, then elevating this to a manager, SLS had me again confirm what I already submitted twice, wasting much time and energy. I requested confirmation that my first payment will now reflect requested additional principal. I have yet to receive any confirmation notice, but now have to wait to see if SLS, now after a third time, will honor request when first payment hits XXXX this year. This casts doubt on all the closing documents being honored/properly processed if a simple auto-pay form was ignored.
Product: Payday loan, title loan, or personal loan

I have been receiving a statement for many months with a zero payment due, I called to stop mailings and was informed that there was an error on my last payment back in XX/XX/XXXX. I was never notified until I called today XXXX XX/XX/XXXX. I never received a statement with that error from them. It was a clerical error or computer error and they want me to pay for it. I will not pay the interest since I confirmed the last payment over the phone with their employee. I refuse to pay and asked them to fix the problem and close the account. Im asking for them to stop contacting me.
Product: Mortgage

I was working with XXXX XXXX XXXX # XXXX at XXXX, XXXX XXXX # XXXX on XX/XX/2021 in order to refinance my home for a lower monthly mortgage payment and better interest rate. I received loan documents from SunWest Mortgage Company XXXX Inc. XXXX XXXX XXXX on XX/XX/2021 that were incorrect. I advised XXXX XXXX of this. New loan documents were sent to me but again they were incorrect and I advised XXXX XXXX that again the documents were incorrect. Later I heard that XXXX was offering an even lower rate of interest so I emailed XXXX XXXX asking him about a new lower rate. He never responded. When I emailed him asking for the loan documents he said that I could not get the same rate as quoted in the previous loan documents. I have tried to contact other lenders to get that rate but they have all now raised their interest rates.
Product: Debt collection

I would like to fill a complaint against united revenue corp located at XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX. I sent a dispute letter requesting for them to validate the debt i also sent the letters via certified mail with a return slip they failed to send me anything showing how the debt belongs to me instead they sent a bill i didn't ask for a bill i asked for the original contracts with my signed signature etc. Furthermore they are reporting the same acct twice there is also different dates on the bills they sent vs the dates their reporting to the credit bureaus. If they can not validate the dent by law they have to remove it
Product: Credit reporting or other personal consumer reports

In my last Dispute to the credit bureau Ive given a warning notice that bureaus are not in compliance with the law in truth in lending by reporting non public information like transaction history which is illegal via U.S. 1681a I have also sent opt out letters to creditors that are reporting negative information to Credit bureaus credit bureaus are in major danger of Fraud and bad business practices as that are allowing information I opted out from to be reported on my consumer report I have now even opted out of XXXX, XXXX, Transunion and XXXX for ever disclosing non public information and transaction history and will show proof of opt out below bureaus have one final chance to remove 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, According to the Fair Credit Reporting Act ( FCRA ) Sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), I am disputing the inclusion of incorrect and outdated personal information on my credit report. The inaccurate data reported negatively impacts my creditworthiness and violates my rights under federal law. Delete this from my personal credit report now! 

Incorrect Current Address - XXXX XXXX XXXX XXXX, XXXX, NC XXXX Incorrect Name - XXXX XXXX XXXX Incorrect Name - XXXX XXXX Incorrect Previous Address - XXXX XXXX XXXX XXXX, XXXX, NC XXXX Employer - XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently checked my credit report and seen inquiries I did not authorize XXXX XXXX ( trans union ) XXXX of XXXX XXXX trans union XXXX XXXX XXXX XXXX trans union XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX ( trans union ) XXXX XXXX XXXX trans union XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( transunion )
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE DISPUTED WITH 3 BUREAUS OVER MY CREDIT INQUIRES THESE ARE THE ONES AS FOLLOWS DEPT OF ED XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX. I DO NOT RECOGNIZE THESE INQUIRES AND 3 BUREAUS STATES THEY VERIFIED THESE INQUIRIES AND I KNOW THEY DIDN'T BECAUSE THE NUMBERS THAT ARE ASSOCIATED WITH THESE INQUIRIES ARE KNOW LONGER IN SERVICES AND THEY WILL NOT SEND VALIDATION LETTERS FOR THESE INQUIRIES.
Product: Debt collection

I was recently included in a class action lawsuit with Santander Consumer. On Friday XXXX a representative from this company called and attempted to collect money from me on vehicle that was a total loss. I advised the rep that per the attorney general I wiuld be receiving a check on XXXX for the monies Santander over charged me for I told the rep now how can I owe you XXXX for a car that is now owned by XXXX XXXX but you all included me in a lawsuit of accounts that you over charged plus I dont have the car anymore. Santander ripped me of and I actually payed three and a half times what the car was sold to me for.also I am receiving a refund check from you?
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX says sorryfor what they did and no name on paper work just letter
Product: Credit reporting or other personal consumer reports

I Got the same stall tactic scripted non-responsive non real documentation that Transunion provides to all consumers in an effort to discourage them from demanding the method of verification as afforded by law under the Fair Credit Reporting Act Sec. 611. Procedure in case of disputed accuracy ( a ) ( 1 ) ( 2 ) ( a ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

For a few months there has been credit cards opened without my consent from Chase XXXX XXXX.
Product: Debt collection

On XX/XX/XXXX, and XX/XX/XXXX, I wrote to tell AVANT LLC/WEB BANK to verify the items I had identified as inaccurate or incomplete in my credit report. 
Copies of my correspondence are attached for your review. 

AVANT LLC/WEB BANK Account number : XXXX Since you have not given me names of persons you contacted for verification of the information, nor have you complied within the statutory time period ( 30 days ) to my request for verification, I assume that you have not been able to verify the information I have disputed. 
Therefore, you must comply with the provisions of the Fair Credit Reporting Act and drop the disputed items from my credit report.
Product: Checking or savings account

Chase bank closed my checking account for no reason after I was trying to send XXXX  dollars to my husband for family support. 
The entire bank account has only my credit card payment, direct deposit from my last employer and my unemployment direct deposit. The reason for account closure was not provided.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that the following accounts and inquiries, which were fraudulently opened as a result of a data breach, be blocked and deleted from my credit report pursuant to 15 U.S.C.

1681c-2 ( a ) and FCRA 605 ( b ). These accounts were opened without my knowledge or consent, and I am requesting their immediate removal. 
Fraudulent Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I was wrongly charged moving out fees of my old apartment, which resulted the fees going to collections. I have a signed move in sheet that I emailed back to the property management company with clear correspondence that the company received the signed move in sheet. Collections USA is not proofing the debt is owed and has very little supporting evidence other than an itemized charges list. This does not proof I owe the debt. The damages I am being charged for were there when I moved into the apartment, which the move in sheet clearly indicates. The property management company stated they received and never mentioned the sign in sheet again. I am being charged for the same damages I've listed. I tried to work with the Collections USA but XXXX was extremely rude, while stating false legalease and telling me that the burden was not on the debt collector. The burden is on the debt collector to proof the debt is actually mine and provide supporting documentation proofing it. They have no evidence except a " intent to move out '' form which does not state anything about damages nor the conditions of the apartment. I am requesting to have this removed immediately and CollectionsUSA XXXX literally told me " he did not want to help me '' and that he works for the property management company and not for me. I feel like this was a clear violation of XXXX. Unfair and Abusive practices to tell a consumer you will not help them. Not to mention, the false statements being extremely misleading. I have supporting evidence to proof those damages were there prior to my move in, the property company does not. I have a signed in move in sheet with emails showing they received the document properly and acknowledge it.
Product: Mortgage

Bank of America refuses to make requested corrections to errors made during the loss mitigation process. Upon receipt of my request for mortgage assistance XXXX in XXXX XXXX, Bank of America has done everything to separate me from my home, including taking more than ninety days to conduct an initial review for loss mitigation options and programs and failing to inform me in writing of approval for modification assistance. The intentional misrepresentation as to eligibility and approval of mortgage assistance and documents related to mortgage assistance programs is fraudulent. 

Bank of America has confirmed receipt of my XXXX XXXX XXXX and I have informed Bank of America no additional installment payments will be made. I have informed Bank of America of my claim of ownership of this property by virtue of adverse possession multiple times and have received no opposition to this claim to date. To date, I continue to occupy the property openly as the sole owner. 

The XXXX Requirements for adverse possession on a mortgaged piece of real property are as follows : a ) A claim of adverse possession of real property secured by a mortgage or Deed of Trust may be had upon notifying the mortgagee or their representative when any violation of law during loss mitigation resulting from a request for mortgage assistance XXXX and ; 1 ) The loss mitigation process has been pending beyond ninety ( 90 ) days without a Trial Payment Plan ( TPP ) in place in accordance with the XXXX Act or other agreed upon workout assistance, or ; 2 ) Upon delinquency, where no Notice of Default has been recorded within ninety ( 90 ) days. 

All previously mentioned resolutions for the injury and harm caused are desired and mandatory, including, but not limited to, credit reporting repair and corrections, all state and federal tax liability satisfied on any monetary settlement, all statutory, exemplary, and punitive damages, plus an addtional ten percent, mesne profits ( to include sold at auction amount, rents received, all mortgage values of both principal and interest associated with the subject property ), and an immediate reimbursement of all amounts applied and assessed to the mortgage account at a compounded daily interest rate of ten percent via cashier 's check not drawn on Bank of America or any of their affiates, or on a bank that does not conduct business within the state of California. Not only must Bank of America pay me back, Bank of America must also repay the tax payers all amounts associated with this account. This includes, but is not limited to, XXXX XXXX, XXXX funds since XXXX. 

I did not default on Bank of America XXXX Bank of America defaulted on me!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XX/XX/XXXX XX/XX/XXXXAccount # XXXX, XX/XX/XXXX # XXXX, XXXX XXXX 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 : It states a consumer reporting agency can not furnish a account without my written instructions.,