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

Re : Request for investigation and removal of inaccurate late payments on account XXXX, Account Number XXXX Dear CFPB Representative, I am filing a formal complaint regarding inaccurate information reported on my credit report concerning my XXXX  account, account number XXXX. Specifically, late payments were reported for the months of XX/XX/year> and XX/XX/year>, which are incorrect. 

Below are the specific laws protecting my rights as a consumer, which have been violated in this case : 1. 15 U.S. Code 1681i Dispute Investigation Law : This statute requires credit bureaus to conduct a timely and thorough investigation of any disputes submitted by a consumer regarding inaccuracies in their credit report. 
2. 15 U.S. Code 1637 ( b ) Requires creditors to provide accurate billing statements to consumers. There are discrepancies in the billing statements issued by XXXX for the months of XXXX and XX/XX/year>. 
3. 15 U.S. Code 1681s-2 This section obligates information furnishers to ensure that the data they report to credit bureaus is accurate. XXXX has failed in this responsibility by reporting incorrect information, and thus the late payments must be corrected or removed. 

I have attempted to resolve this dispute directly with the credit bureaus and the creditor but have not received a satisfactory resolution. Therefore, I am requesting the CFPBs intervention to investigate and assist in correcting this inaccurate information in compliance with consumer protection laws. 

Attached is a copy of my credit report highlighting the late payments in question, along with any supporting documentation that may assist in your investigation. 

Thank you for your prompt attention to this matter, and I look forward to a favorable resolution that ensures the accuracy of my credit report. 

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

My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.
Product: Mortgage

XXXX " Wind Insurance '' with an annual premium of {$4500.00} has been charged by Valon Mortgage multiple times, causing a shortage in the escrow account and has now raised my monthly payment by nearly XXXX XXXXXXXX to cover the shortage. 

However, I have shown multiple times that my dwelling is already covered for wind damage through my homeowner 's insurance policy with XXXX XXXX and the Master Condo Policy through the HOA from XXXX XXXX XXXX. 

Lender will not accept these coverages, or states the master policy is only Liability and not Hazard, even though the XXXX XXXX Policy covers for hazard, and continues to charge an extremely high annual premium for " Wind Insurance '', causing a significant financial hardship. 

I have asked to remove the escrow account and switch to principal and interest payment, but the lender, Valon Mortgage, will not release the escrow because it is currently in shortage, a shortage which has been caused by their incompetence and frivolous insurance premium charges.
Product: Debt collection

Debt not mine. It is showing up XXXX XXXX XXXX from a hospital called XXXX XXXX XXXX. Please have XXXX XXXX XXXX remove from my XXXX credit report. Someone has been using my social security number and they 're a lot coming up on my XXXX. It is showing negative. Please have them correct this and have the report updated. Amount is for {$120.00}. I am refinancing my home and the mortgage company needs this removed from my credit report. Please update positive and remove.
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, we must remove any incorrect accounts from my credit report. Can you check the documents? Some accounts listed are inaccurately reported in terms of amounts and dates.
Product: Checking or savings account

I have an Ally High Yield Savings Account in addition to two checking accounts. Ally as you know is an online only bank and does not have physical branches. I am in the process of buying a house so have consolidated cash in an Ally account for my down payment. There is about XXXX in this account. Ally has not been able to provide me with access to this account for over 48 hours. As such I can not access statements, balances or make transactions. As a result of this I can not provide my mortgage provider with proof of funds to close. I have spoken with 5-6 Ally agents and none of them have been willing to fix me. Given that Ally is an online only bank, they have an obligation to ensure their customers have continued access to funds online. Without this access they are effectively holding money hostage.
Product: Credit reporting

the company continuously reports bad information on me and allows my husbands vengeful ex to ruin my financial livelihood these inquiries are fraud XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX Banking XXXX Show Details XXXX/XXXX/XXXX Finance XXXX XXXX Details XXXX/XXXX/XXXX XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX Banking XXXX Show Details XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX Show Details XXXX/XXXX/XXXX Banking XXXX Show Details XXXX/XXXX/XXXX Medical And Health XXXX XXXX Show Details XXXX/XXXX/XXXX Finance XXXX XXXX Show Details XXXX/XXXX/XXXX Banking XXXX Show Details XXXX/XXXX/XXXX Finance old account reporting, grantor XXXX stated delinquincy over 5 years old XXXX old account reporting, grantor even states several years from delinquincy XXXX XXXX charge off several years old should n't even be showing any longer, grantor, statue of limitations. 

XXXX fraud
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. 

XXXX XXXX XXXX : Account number : 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 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 fumish any information relating to a consumer to any consumer reporting agency it the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

City of XXXX payment history shows in collections as of XX/XX/XXXX, however it was paid in full on XX/XX/XXXX. I request experian remove this negative potential payment history from my credit report, and made corrections. 

I also have attached documents from city of XXXX saying that this account was paid in full on XXXX XXXX. Therefore it shouldnt show as in collection for XXXX in payment history
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that trafficking.Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX, IL, XXXX Incorrect XXXX : - XXXX Employer - XXXX XXXX XXXX  Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX CFR PART XXXX [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Credit reporting

I reviewed a copy of my credit report and the companies below ran an unauthorized credit inquiry on me on date provided. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXI never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact each company and investigate such occurrence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made multiple attempts with this Fraudulent Company as well as the Credit Agency to REMOVE INACCURATE INFORMATION from my Consumer Report! As of this Complaint, I am awaiting an Answer to the 3rd Request from the Credit Agencies and XXXX regarding a specific account. More over, The Credit Agencies are Bound by the Law to MAINTAIN PRIVACY AND ACCURACY. Specifically XXXX XXXX XXXX EXPERIAN REPORTS LAST ACTIVE DATE AS XX/XX/XXXX Date Opened AS XX/XX/XXXX XXXX REPORTS LAST ACTIVE DATE AS XX/XX/XXXX Date Opened XX/XX/XXXX EXPERIAN , AND XXXX STILL HAVE NOT DELETED THIS FRAUDULENT ACCOUNT AND ARE GUILTY OF THE FOLLOWING : 15 USC 1681a 2 ( A ) ( i ) by reporting transactions and or experiences on My Consumer Report which CONGRESS states is NOT INCLUDED on ANY CONSUMER REPORTS. They further violate the following. 15 USC 1681 Section 602 A Section 2A States that I have a right to privacy. 15 USC 1681 604 A Section 2 States A Consumer reporting agency CAN NOT furnish an account without my Written instructions. I DID NOT GIVE ANY PERMSSION! 15 USC 1681c ( a ) ( 5 ) States no consumer reporting agency may make any consumer report containing any of the following terms 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 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe the information is inaccurate. I HAVE DISPUTED THE FACTS MANY TIMES AS EVIDENCED BY THE INCONSISTENT NOTES THERE IN ON THE ACCOUNT. EXPERIAN AND XXXX still report the INACCURATE INFORMATION. As well as they violate the entire PRIVACY ACT OF 1974 AS per XX/XX/XXXX Consumer Reports still show this account with Updated Misinformation! STILL DOES NOT MATCH AND IS TO BE DELETED.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX # XXXX # XXXX # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Diversified Consultants Inc has continually called me 5-6 times a day after repeatedly being told never to contact me via phone. They refuse to aknowledge the company they are wokring for when calling and hang up when questioned.
Product: Mortgage

During a recent approval process for a mortgage from a Colorado lender, a credit report revealed that SunTrust listed a XX/XX/XXXX former mortgage, unrelated to me of which I will explain, as " Foreclosed. " This home was clearly awarded in a divorce settlement ( court document provided and highlighted ) XX/XX/XXXX where former spouse was to " ... receive sole and exclusive ownership ... '' would be " responsible for the monthly payment of the mortgage, the home equity line, taxes, and all other debt associated ... '' and " holds the Husband harmless from any liability associated.. '' Furthermore, a Quit Claim Deed ( document provided ) was signed to former spouse XX/XX/XXXX. 
Not only do these documents absolve me but most convincing is a letter ( document [ s ] provided ) dated XX/XX/XXXX " pleased '' to reference the loan " paid-in-full '' by SunTrust 's Lien Release Department accompanied by the Payoff Department 's notarized Release of Mortgage document. 
Despite these clear documents SunTrust states in a letter today that " we determined the account is being reported accurately to the consumer reporting agencies and will continue to be reported in the current manner. This is preventing me from acquiring a mortgage loan and is willfully wrong. Please help.
Product: Debt collection

I was a victim of identity theft and noticed a collection from ENHANCED RECOVERY I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against ENHANCED RECOVERY in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Product: Credit card

Capital One supports counterfeit products. I bought Game of Thrones 1-6 from XXXX on XX/XX/2016. I had seasons 1 & 2, but could n't buy 3-6. The seller took 10 days to ship and answered only my first inquiry that he was sure they had been shipped. They were shipped XX/XX/XXXX, received XX/XX/XXXX. I believe the delay kept a bad review from being posted before he could sell dozens more of the fakes. The discs would not play. They froze up after the warning and disclaimer screens. When they did play, they were glitchy, jumped around and lost audio. Counterfeit. The XXXX site has a page about Counterfeit DVDs : http : XXXX I downloaded the XXXX and tested the DVDs. No question ; not genuine. 
XXXX wanted me to return the DVDs, but they seller failed to send a pre-paid return label and failed to answer 2 more inquiries from me. 
When the date for return expired, I filed a dispute with Capital One. " What 's in your wallet? '' Capital One called me a liar and said I must get an opinion from a professional third party on their letterhead confirming that the DVDs are counterfeit. I had supplied them with the XXXX tests I did on my original 1 & 2 ( genuine ) compared to the eBay DVDs. 
So ... DO NOT believe you have protection. This is why so many people hate banks and I 'm not just talkin ' about XXXX
Product: Checking or savings account

I had checked my checking account and saw there was XXXX Dollars spent on my account that was not me and I told them all the purchases that were not me and they refunded me XXXX only and took it back out of my account a couple weeks later which took the rest of my money it has been XXXX years and Ive called everywhere and nobody seems to be able to help me I have proof the XXXX XXXX from the purchases that added up to XXXX and it said that it was in XXXX I showed them that and they still would not give me a full refund please help I havent been able to have a bank account in 2 years they closed my account because it was in the negative and I had no money to pay it
Product: Debt collection

GM Financial is reporting under XXXX credit bureaus an account they have not verified
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the accounts that are erroneous in my file and need investigation : XXXX XXXX XXXX Balance : {$720.00} XXXX XXXX XXXX Balance : {$850.00} XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX  XXXX Balance : -
Product: Credit reporting, credit repair services, or other personal consumer reports

So I pulled my credit report XX/XX/2023. Upon reviewing my consumer report I noticed a huge amount of inaccuracies on my report. I reached out to Experian XX/XX/2023. I reached out to XXXX XXXX on XX/XX/2023. I reached out to XXXX on XX/XX/2023. I sent them all a copy of my report with the highlighted inaccuracies and all three bureaus sent me a letter back saying that the accounts were verified or updated, but they did not correct or delete the inaccuracies which is causing me severe hardship, .mental anguish, and XXXX! I also informed them that they are breaking the law!!! According to FCRA { 15 U.S.C. 1681 }. I am demanding that this information be removed immediately! Pursuant to U.S.C. 1681 ( A ) ( B ) They did not meet the needs of commerce because this is not fair and equitable to me regarding confidentiality, accuracy or relevancy. The information is not accurate! This information is not accurate. If these transactions even took place, they should have been confidential so you in fact violated my right to privacy. You are in violation of Pursuant to U. S. C. 1681 ( D ) ( 2 ) ( a ) if this was a factual transaction, ( which you should not know because you were not there ) then this should not even be reported because the FCRA states that transactions placed solely between the consumer ( me ) and the person making the report and IT SHOULD BE EXCLUDED FROM MY CONSUMER REPORT. Pursuant to U. S. C. 1681 ( B ) Did I give permissible purposes?? A credit report should only be filled with written instruction from ( the consumer to with whom it relates ). They are all violating my rights by reporting these false transactions. Since these inaccurate items have not been removed I am filing this complaint and my next step is going to congress. They sent me a letter that said verified but they furnished no contracts with my ( the consumer ) signatures! I have attached a letter with highlighted inaccuracies! I have also attached a copy of my dl, ssc and proof of address along with there responses to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Equifax of XX/XX/2020 and received an email the same day stating my confirmation number as well as notification that I would receive results in 30 days. Today is XX/XX/XXXX and I still have not received results from Equifax. I have logged into their website and it still shows my dispute as being active. A representative has admittedly stated there is nothing they can do to assist me even though they have failed to communicate and update the accounts. An investigation was completed nearly a month ago and Equifax does not have any records or proof that they have EVEN attempted to contact me concerning my dispute. This is completely unacceptable and they are in violation of the FTC guidelines to notify their consumers within 5 days of receiving results. I expect these derogatory marks to be removed from my credit report immediately. The attached file is a screenshot from today XX/XX/XXXX taken at XXXX after I logged onto Equifax website
Product: Credit card or prepaid card

Company : XXXX XXXX/ Netspend Dispute Claim # XXXX Dispute Claim # XXXX I was hospitalized from XX/XX/XXXX until XX/XX/XXXX. I had filed my taxes and requested my refund be deposited on my account with the above referenced company back in early XX/XX/XXXX. While I was hospitalized someone stole my card and ultimately my identity and stole my entire refund leaving me negative. I learned of this theft on XX/XX/XXXX and immediately reported my card stolen and tried to log online without success at first due to my passwords being changed. My actual card was cut off and new cards issued. One card was issued to a man whom I don't know, but since have learned is currently incarcerated for credit card theft charges. This person received money from my account totaling at least {$2500.00}! 
I have filed identity theft report with the FTC and I have also filed a police report and a report with cyber crime unit. I have verified with the police that I was in fact hospitalized as to why I wasn't aware of the theft until now. I was assured that my funds were safe/insured and that I would receive them returned to me under these circumstances. I have sent XXXX police report and FTC report and within a few days was informed that my dispute claim # XXXX is closed and NO errors were found! How is my identity being stolen and in turn my funds totaling {$5700.00} being stolen not an error? 
Due to my last XXXX I have been left XXXX XXXX XXXX and must handle this matter via email. I am temporarily XXXX and seeking XXXX benefits and am financially unable to provide for my daily essentials because of this theft. I ask that you please help me in regards to this matter.
Product: Credit reporting or other personal consumer reports

A month prior, I lodged a complaint with these Bureaus ; however, the erroneous information on my report remains unchanged. I have not received any communication from them, apart from your notice indicating that the company has responded to my complaint. How can I be assured that they have thoroughly examined the inaccuracies? What measures were implemented to validate the accounts? This entire situation is exceedingly frustrating, particularly given that more than XXXX days have elapsed since I submitted my complaint.