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

I am writing to formally dispute and request the correction of inaccurate personal information on my credit report. Upon review, I noticed discrepancies in my listed address history. These errors are unrelated to me and should be removed to ensure the accuracy of my credit profile. 

Specifically, I request the removal of the incorrect information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year> To support my request, I have attached : A copy of my government-issued ID verifying my name and date of birth. 
A recent utility bill confirming my current address. 
A copy of my Social Security card verifying my SSN. 

This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request that you : Investigate and remove any inaccurate personal information from my credit report. 
Update my credit profile with the correct details listed above. 
Provide written confirmation of the corrections and supply an updated credit report.
Product: Bank account or service

I deposited a third party check into my account through an A.T.M machine at my financial institution Bank of America on XX/XX/2015 for the amount of XXXX {$.00} The receipt stated that there would be a two day hold on the check. I waited for three days and started to pay some bills trying to pay off credit card debt. Through the course of the day it was brought to my attention that my bank was not honoring or paying for any more transactions. Confused I looked at my account and saw that the large check deposited three days from that point had been " reversed ''. I called the bank and actually was able to talk to someone at the very store we bank at ( This has never happened before, in the past we are connected to someone in XXXX to try to resolve questions because no one at the bank answers the phone ). I asked the person answering to look into the matter and he told me that because it was a third party check and they usually do not accept third party checks that a COPY of the check was being sent to our house and only after we recieve the copy would we be in the position to " what action could take place from there ''. I waited three days and called the bank again asking them to look up and see when they sent the copy because I was incurring overdraft fees every day from them and I needed to rectify this situation. I was told that he did n't know when they sent it out but they had up to 10 days for it to arrive. I asked if I could come and get the check from them and was told no I could not because they no longer had access to it. This is our money, there is no dispute with the legitimacy of it and meanwhile because they are keeping the money that should be in my account I have over drafted and am getting hit with fees every day. Is there any way you can help me get this check so I can take it and open an account at another facility?
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX  XXXX Balance : {$30000.00}, XXXX XXXX XXXX Balance : {$1000.00}, XXXX XXXX XXXX Balance : {$690.00}, XXXX XXXX  XXXX Balance : {$3600.00}
Product: Mortgage

My mortgage is serviced by Bank of America. My mortgage payment includes an escrow payment for insurance. On XX/XX/XXXX, Bank of America sent me a letter demanding that I provide proof of insurance and threatening to charge me for insurance that Bank of America will select. This is ridiculous and harassment as I pay insurance escrow payments and Bank of America makes the insurance payments from my escrow account for the insurance policy that I selected in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : ( XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XXXX  XX/XX/XXXX ) ( XXXX  XXXX XXXX  XX/XX/XXXX ) ( XXXX  XX/XX/XXXX ) ( XXXX  XXXX  XX/XX/XXXX ) ( XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX  XX/XX/XXXX ) ( XXXX/XXXX  XX/XX/XXXX ) I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Mortgage

I have two mortgage loans that are currently serviced by Specialized Loan Servicing company ( SLS ), who took over the loans from XXXX XXXX in XX/XX/XXXX. At the time of this transfer, both loans were in good standing, i.e. no defaults, late payments or other derogatory items. When my first statement came from SLS, there were " past due fees '' on both loans in the amount of {$6700.00} for one loan and {$7400.00} for the other. I called SLS in XX/XX/XXXX when my first payment was due to determine what happened. I was told that the past due amounts were a result of " attorney fees, foreclosure fees and overdue penalties ''. I have never been in foreclosure on this or any other property I own, and the only time an attorney was involved was at the closing when I purchased the property. I was told to contact SLS by email with my dispute, and that someone would be in touch to address it. I did so in XX/XX/XXXX. I received no response. In XX/XX/XXXX, I again contacted SLS by phone, and another representative told me he was taking down all the pertinent information and would pass it along to the appropriate department, and that I would hear from someone " soon ''. I heard nothing from SLS. I called again in XX/XX/XXXX, and was told that all complaints need to be submitted in writing - letter, not email. I sent a letter outlining these problems on XX/XX/XXXX, and it was received at SLS on XX/XX/XXXX. I received two letters from SLS dated XX/XX/XXXX indicating that my complaint was received, and that they would be in touch. I called SLS today and was told there are no updates and was unable to get any information on this issue whatsoever. The representative acknowledged that their response timeframe is typically 30 days ; however, we are well past that point now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received letter from Specialized Loan Servicing. Informing me they rececently have received inquiry about my dispute of mortgage loan being paid off in full by me. That being reported my mortgage still showing open as being delinquent in payments and foreclosure on my credit report through XXXX, XXXX and XXXX that causing my credit scores not to increase.
Product: Credit reporting, credit repair services, or other personal consumer reports

N accordance with the Fair Credit Reporting act Accounts XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS!!!!!!! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish account without my written instructions.
Product: Credit card or prepaid card

I have an Amex XXXX Brilliant credit card which allows {$300.00} credits per year for charges made in XXXX property. The website says this benefit is for every membership year, which implies that the credits refresh every year that the membership fee is accessed. When I contacted Amex representatives, they also told me the same. The membership year refreshes when the annual fee is accessed, and I was told my membership fee would be charged on XX/XX/XXXX. So I made a charge for XXXX XXXX on XX/XX/XXXX for {$370.00}, hoping that it used the {$300.00} credits allowance for that year, and I thought after XX/XX/XXXX, I would get another {$300.00} credits for the next year. However, on XX/XX/XXXX the Amex representative told me the charge made on XX/XX/XXXX was already for the new year, because my account was approved on XX/XX/XXXX, so the benefits refreshed on XX/XX/XXXX. And because the charge was after XX/XX/XXXX, so it fell into the next year. Amex could not reimburse another {$300.00} for the new year. This is unfair to me for the following reasons : 1. Amex is not transparent about when the {$300.00} credits refresh. When they talk about membership year, they don't explain what it means. The representatives have contradictive explanations : ( 1 ) when the membership fee is accessed ( 2 ) the approval date. It is very confusing for customers to time the credits to use. 2. Amex does not alert its customers about the expiration of credits. They intentionally don't alert their customers so that the customers can forget. 1. Amex did not notify its customers when the {$300.00} credits would expire.
Product: Credit reporting or other personal consumer reports

This consumer reporting agency is in violation of 15 U.S. Code 1666b. A creditor may not treat a payment on a credit 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. I was not notified in the time frame.

1. 15 U.S. Code 1681c Requirements relating to information contained in consumer reports. 
XXXX  XXXX Bankruptcy Case Number : XXXX Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account.

2. These inquiries were not authorized by me and I would like them to be removed XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. FDCPA section 807 violation misleading false reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX 5. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 6. I did NOT APPLY for this company. 
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX 8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 9. I always paid as agreed on time this is an error XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
10. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
12 XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
11. XXXX XXXX XXXX for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
XXXX Account Number : XXXX Please remove it from my credit report. 
12. The following personal information is incorrect Account Number : Also Known As : XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. PLEASE DELETE IMMEDIATELY. 
Any failure to respond without deletion of the accounts listed above and a free copy of my report after the changes have been made will result in the above actions being taken against your bureau. I will also be seeking {$1000.00} per violation. 
Violation of 15 U.S Code 1666b Defamation Sincerely, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be fixed ( 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 XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under XXXX XXXX XXXX XXXX section XXXX ( k ) ( b ) ( ii ) can be considered an adverse action. 


XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX EMPLOYER : XXXX XXXX XXXX  Inquiries : XXXX XX/XX/XXXX Collection : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EMPLOYER : XXXX XXXXXXXX XXXX Experian XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX, NJ XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX EMPLOYER : XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX  XXXX, CT XXXX Inquiries XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my XXXX credit report, which I initially contacted XXXX about on XX/XX/XXXX. To this date, XXXX has not responded to my inquiry. The following are the details of the inaccurate information and the required corrections : The following account does not belong to me : Account Name : SBA Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$500000.00} I kindly request that XXXX removes this erroneous account from my credit report. 
The following account has never been late : Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Balance : {$12000.00} I request XXXX to correct and update this inaccurate information on my credit report immediately.
Product: Payday loan, title loan, personal loan, or advance loan

I am filing a complaint against Brigit lt, Inc due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, XXXX XXXX failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. I was unable to cancel or change my subscription after starting it in XXXX of XXXX. Furthermore, their Subscription process : was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for 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  pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation . As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o. Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.
Product: Credit card

XXXX has refused to resolve a debt and has in written from company XXXX XXXX that the furniture that was sent to me was broken upon delivery Ive reached out the past year over and over regarding this same situation with dispute after dispute with proof the furniture was damaged upon delivery several phone reps tell me they wouldnt pay for broken furniture neither but within there policy theres nothing they can help me with still no resolution after a whole year and trying to charge me for broken furniture.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 XXXX XXXXXXXX XXXX XXXX  mislead and pulled my XXXX  and transunion report without my consent, both reports have fraud alerts with my cellphone number attached no one from XXXX attempted to reach out to myself for the verification questions prior to the act. Upon calling XXXX customer service an citing the problem the agents also attempted to gain access to my credit report by asking for my Full social security number, XXXX XXXX XXXX XXXX was never given my full XXXX digit ssn and had their website set up in a deceitful manner leading consumers to believe this was a simple pre-qualification vs a hard pull. XXXXXXXX XXXX hire and train agents to practice daily deceptive and predatory loan practices steer clear of them.
Product: Credit card or prepaid card

An account was opened in my name in XXXX without my consent. The person was paying on the account. They had their email, their phone number, and their address linked to the account. I found out in XXXX and immediately brought it to the attention of law enforcement. I filled a report and pressed charges. I was advised by the officer to reach out to the creditor to see what they suggested. I have been trying to get this issue resolved since. The person was found guilty spent time in jail and has since been released. Yet, I am still trying to recover from what they did to my credit. I have disputed the account, and they apparently deemed that I am responsible for the account. However, whenever I try to call about the account to get information to help my case, they advised they can not give me any as they are not allowed to release the information. The person used all their information for the account ; they just used my SSN and name. Everything else belonged to them. I need help resolving this because it is not fair what is happening to me or what was done to me. Police report case number XXXX. The thief was ordered to take ownership of the accounts she opened, and she did so. A document was sent to her to sign and return to accept ownership of the account. I was told she would only be able to pay off the balance and not incur any other charges under my name. I even paid for the postage just to make sure it was sent. I was even provided a copy of the signed document for my records. Case number XXXX. However, each month I get hit with a negative report from them.
Product: Debt collection

On XXXX/XXXX/XXXX Southern Credit Recovery Inc. reported to XXXX, XXXX  and XXXX I had one account in collections for {$100.00} dollars, I have no knowledge of said account and I do not owe Southern Credit Recovery Inc anything. This erroneous collection was placed on my credit report without any prior communication ( verbal or written ) and without validation of debt. I had no prior knowledge of this account and I was never informed of this collection account nor have I ever received any correspondence from Southern Credit Recovery Inc or any other company regarding this account. I never received any information about this account nor was I given the opportunity to acknowledge or dispute the validity of this account. The practices employed by Southern Credit Recovery Inc are a clear violation of the Fair Debt Collections Act.
I am requesting that Southern Credit Recovery Inc remove this collection account from each of my credit reports.