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

I hope this message finds you well. I am writing to request a goodwill adjustment regarding a late payment reported in XX/XX/year> on my account. 

This late payment was the result of an unexpected billing error. At the time, the credit card I regularly used to pay this account was closed by the issuer, and I was unaware of the change. Unfortunately, I do not recall receiving a notification of delinquency from your company. Had I been informed, I would have addressed the matter immediately. I became aware of this issue only after reviewing my credit report while preparing for a mortgage application. 

I also want to bring to your attention several discrepancies on this account, including the reported open date, varying balances, payment status, date last active, and date of last payment. These inaccuracies violate the Fair Credit Reporting Act ( FCRA ), which stipulates that consumers are entitled to accurate and verifiable information on their credit reports. Each FCRA violation constitutes potential liability of {$1000.00} per violation. However, I am willing to overlook these inaccuracies if the account is updated to reflect " paid as agreed, never late. '' To date, I have not received the requested information to verify the account. My intention is to resolve this matter amicably, and I sincerely hope we can come to a resolution. I have been a loyal customer and maintained a strong payment history with Paramount Capital, with no other late payments before or after this incident. 

This isolated issue does not reflect my commitment to meeting financial obligations. I kindly request your assistance in removing the XX/XX/year> late payment from my credit report and updating the account to " paid as agreed, never late. '' Doing so would not only help restore my creditworthiness but also demonstrate the integrity and fairness of your company.

Thank you for considering my request. I appreciate your time and understanding and look forward to resolving this matter promptly. I am also directly asking CEO XXXX XXXX to honor this request via email.
Product: Credit reporting or other personal consumer reports

I am disputing the validity and requesting validation for completeness of accuracy of the information listed. According to the provisions of the Fair Credit Reporting Act XXXX ( a ) [ XXXX XXXX XXXX681i ( a ) ], this disputed item must be validated or deleted and removed from my credit record within XXXX  days. During this investigation and validation period, this item must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. These accounts are also in violation of Pennsylvania state law title XXXX PA.C.S XXXX. I attempted to insert this issues with the credit bureaus. However, I had no response The accounts in question are listed below along with uploaded screenshot of inaccuracies : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX. XXXX year limitation. 

( a ) General rule. -- Except as provided for in subsection ( b ), the following actions and proceedings must be commenced within XXXX years : Please note the following : Title 8 USC 809. Validation of debts [ 15 USC 1692g ] ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 




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Product: Debt collection

The following account is an result of fraud. XXXX XXXX XXXX   {$1100.00} XX/XX/2016 I have no knowledge of this account. I have tried to fix this with the company in question XXXX XXXX XXXX.
Product: Mortgage

BBB On XX/XX/XXXX I spoke to XXXX XXXX with Chase Home Finance about refinancing my home loan with the purpose of removing another individual on my current loan. During our discussion XXXX XXXX stated that a deposit of {$500.00} would be necessary to cover refinance and appraisal costs. I agreed to the fee. After a week of working with several financial advisors and title broker, XXXX XXXX, I was told that I would not be able to refinance unless I located the individual on my loan. After numerous calls the XXXX XXXX, the XXXX XXXX, and myself could not reach the individual on my account/loan so I was not able to complete the refinance. On XX/XX/XXXX I emailed XXXX XXXX reference a refund of my {$500.00} because I was unable to complete the refinance. On XX/XX/XXXX I spoke to XXXX XXXX Sheets, Chase XXXX about a refund of my money. I was told that I would be notified on XX/XX/XXXX, XXXX and XXXX XXXX about the status of my deposit. I have not received a status on the refund of my deposit as of XX/XX/XXXX. Chase did not provide any services for me related to the refinance because the refinance process was not completed. I feel that I should be entitled to my deposit which was paid with the understanding that the money was to be used for closing and title issues for the refinance which did not occur. On XXXX XX/XX/XXXX I was told that my deposit would not be refunded.
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX CT XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : - XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$160.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX Balance : {$62.00} XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$250.00} XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
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. 
I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Late Payments Not Authorized To Be On My Report No written authorization was given XXXXXXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX  Account XXXX : XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX NY XXXX However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly.

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 item of information, other than records of convictions of crimes, 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.

Also, they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Student loan

I signed for a student loan for my son XX/XX/2007. I made payments, principle and interest, from the onset of the loan. My son had taken over the payments and last year checked his account to see that his loans were paid I full. He had three student loans with Navient. After the first of the year, I began to get emails from Navient on an old email account that I no longer use. I ignored them because the loans had been paid in full. Then I received correspondence from them and phone calls. It was then that they indicated to me that one of his loans still had a balance over {$4000.00}. I was surprised that in 15 years, we had not paid it in full. The customer service representative I spoke with indicated that overpayments on the account went towards future payments. I did not request that overpayments be applied toward future payments. Whenever I have borrowed from a financial institution or credit card company and have made overpayments, I have always had the extra go toward the principle of the loan. I went to my Navient online account to try to see what happened. My account showed our payments from XX/XX/2007, but the spreadsheet did not include loan balances as payments were made. I made a request to Navient asking for a complete accounting spreadsheet for this loan. They have replied by letter indicating this is request would require extensive time and please narrow my request to a 24 month period. I think I am entitled to a full disclosure of payments made and how those payments were applied to the loan. If Navient did not apply overpayments toward the principle, then they have been charging us interest on monies that have already been paid. Your assistance will be greatly appreciated.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Phone number ( XXXX ) XXXX Account info : Account number # XXXX Open/closed : Closed Date opened : XXXX XXXX XXXX XXXXccount type : Credit card I was looking at my credit report an i noticed that there was inaccurate and or incomplete information reported on my credit report. I requested an investigation to verify the information was complete and accurate but they have yet to change the incorrect information and its was said to be verified but the incorrect information is still on my account. There has been multiple attempts to get this incorrect information corrected. one of multiple issues is this account is not reported according to the IRS when an account is charged off its considered income, and according to the FCRA income can not be reported on a credit report. i want a 1099-c ( cancellation of debt ) form from XXXX XXXXXXXX XXXX services. I have yet to have this issue or any other documentation requested sent to me id like this incorrect information removed from my credit profile. XXXX XXXX XXXX services received a corresponding tax deduction for the uncollected amount associated with this charge off and had the balance of {$1100.00} as income on my taxes! This account can no longer be reported on my credit report. Not only does this violate my rights per FCRA it is also tax fraud. Delete this account from my file immediately for inaccuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Debt collection

This is a debt collector that purchased a debt before I could pay it with the actual company and argued with me that I owe a amount I do not owe to them @ XXXX and something when it should be XXXX owed to the original collection I have asked them to stop calling they call all day long from XXXX to XXXX Sunday to Sunday I block the number it calls right back with a new number I have all of the call logs from said company They will not provide who they are when you answer the phone they repeated to ask if I am the person they are looking for with out disclosure of who they are I had one guy fight with me and hang up on me as well Associated credit is the name of the debt collector This started back in XXXX of 2023 to present I had just received a call from them as of 30 minutes prior to contacting and reporting this
Product: Credit reporting or other personal consumer reports

RE : XXXX 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 XXXX. Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Incorrect Name : - XXXX XXXX XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX 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 XXXX  IN PERSONS OR XXXX XXXXXXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX  ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX ( OPENED XX/XX/XXXX ), has violated my rights. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ( OPENED XX/XX/XXXX ), has violated my rights. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ( OPENED XX/XX/XXXX ), has violated my rights. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX ( OPENED XX/XX/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: Credit reporting, credit repair services, or other personal consumer reports

I took a look at my credit report today and noticed a few inquiries that were made that were not made by me. I took a look at all the companies and it seems they are all credit card companies and have not applied for any credit card companies myself and would like them to be removed because I was in the process of looking into what I needed to do to increase my credit score. I recently got married and have a child XXXX XXXX XXXXXXXX  We are looking to purchase a house and this is holding us back. Thank you!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize these inquires that are on my Experian credit report and they refuse to give proof of them and will not delete them CRA 's must correct or remove inaccurate, incomplete or unverifiable information in their files. 
In accordance with the written instructions of the consumer to whom it relates. 

I recently reviewed my credit report and found unauthorized inquiries. I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete Thanking you in advance. I demand the following inquiries removed immediately. The following inquiries are unauthorized : XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX. Inquiry Date :XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX
Product: Checking or savings account

Bank of America sent me an offer to receive a savings account bonus of {$250.00}. The terms stated that I was required to open an XXXX XXXX account before XX/XX/XXXX and deposit {$20000.00} within 30 days and maintain that balance for 90 days. 

Bank of America sent this offer to my email address and because I have a credit card with them, they also sent the offer to the " Special Offers & Deals Section '' of my online account. I have attached a screenshot of the " Special Offers & Deals Section '' that I am referring to. 

I clicked through their specific link and opened an XXXX XXXX account on XX/XX/XXXX. I deposited {$20000.00} on XX/XX/XXXX. I maintained the {$20000.00} balance for more than 90 days. I completed the requirements and have not received the {$250.00} bonus. I have attached a screenshot of my account activity showing that I have maintained {$20000.00} for more than 90 days. 

I called Bank of America regarding this issue on XX/XX/XXXX. The case number is : XXXX. 

Bank of America said that they would contact me again to resolve this issue. They have not contacted me.
Product: Debt collection

This letter serves as a follow-up to my previous dispute regarding inaccurate information on my credit report, which I initially submitted on XX/XX/year>. Despite the conclusion of your investigation, I firmly believe that the disputed information remains inaccurate, and I am now requesting a reinvestigation of the matter in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ).

Disputed Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Disputed Item : The account is Fraudulent XXXX have not received proof from XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I received an email from XXXX XXXX saying that I had a new inquiry on my Transunion report. I checked my report and saw that the new inquiry had come from XXXX XXXX. On XX/XX/year>, I did apply for an XXXX XXXX credit card and was approved. XXXX XXXX did a pull from my XXXX report at that time but did not pull from the other XXXX bureaus. When I called XXXX XXXX to ask about the XXXX inquiry, their system showed that I had not applied for anything new with them since XXXX and they stated that the XXXX inquiry was possibly fraudulent. I called Transunion on XX/XX/year>, to let them know and have them remove the inquiry and they said they would. I was told that it would take about 30 days for the inquiry to be removed. On XXXX XXXX, I checked my report and saw that the inquiry hadn't been removed yet, so I called Transunion and explained the situation. I was told that this would be escalated for removal, and I should see the inquiry removed within XXXX hours. Today, XXXX XXXX, I called Transunion again because the inquiry still appears on my report. I explained the last XXXX calls I made to them and was asked if I was told to provide any documentation supporting my claim. I told them I wasn't asked for any documentation, which they said was part of the procedure and that the other XXXX people I spoke with should have asked for documentation. They told me to fill out the FTC form and they were going to call XXXX XXXX to get a letter for removal as confirmation that the inquiry was fraudulent.