23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Hi my name is XXXX XXXX I lived in XXXX de XXXX XXXX, in XX/XX/2022 the building was evacuated because we have a wall content around the building collapse. The reason was tropical storm XXXX was near Puerto Rico and the arrived with a lot of water. My mortgage is with Banco Popular denied to extended the mortgage payment. In my case I make the payment during the last 11 month. The private insurance not answered yet the claim of the loss. I need some king of extended because I dont have any place to live. The apartments dont suffer any damages, but the parking lot did it. I'm looking for help. XXXX from XXXX XXXX in Puerto Rico has a many reports of the damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following items ) to be in error : 1. XXXX  XXXX # XXXX XXXX. XXXX XXXX - # XXXX XXXX. SXXXX  # XXXX XXXX. XXXX @ XXXX # XXXX Please remove this inaccurate information from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C.

Sec. 1681 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address.

According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received credit report in the past six months. 
Thank you for your time and help in this matter.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I purchased an XXXX from XXXX via Paypal and per XXXX XXXX  unlock policy, XXXX would unlock my phone 60 days after activating my iphone. 
On XX/XX/XXXX, a rep of XXXX confirmed that the XXXX purchased would be unlocked on XX/XX/XXXX. 
On XX/XX/XXXX, XXXX refused to unlock the XXXX. 
On XX/XX/XXXX, I filed a dispute against XXXX with Paypal for the reason " item not as described '' On XX/XX/XXXX, Paypal denied my dispute. they said this decision was made because their records showed that the item or service associated with this transaction was delivered to me.
Product: Mortgage

We are responding to PNC Bank response on complaint XXXX. We were suppose to get 60 days to respond which is today XXXX. CFPB has closed this complaint on the XXXX day.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # 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 states a consumer reporting agency can not furnish a account without my written instructions. this account was reported XX/XX/2022 in the amount of {$380.00}. In addition XXXX XXXX XXXX  XXXX account # XXXX has also violated my rights in accordance with the FCRA 15 U.S.C 1681 section 602 A and 15 U.S.C section 604 A section 2 consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

Notice of Legal Violations Credit Report Inaccuracies I am writing to bring to your attention certain inaccuracies on my credit report and to formally notify TransUnion of potential legal violations that require immediate attention. 

Identification of Inaccuracies : Upon reviewing my credit report, I have identified several inaccuracies that have adversely affected my financial standing. These inaccuracies include : incorrect balance, late payments, account number, credit limit, date of reported and others inconsistencies. 

Impact on My Financial Well-being : The inaccuracies outlined above have severely affected my creditworthiness and overall financial health. In XX/XX/XXXX, I experienced a major financial setback due to a family emergency, which led me to apply for a personal loan with XXXX XXXX  and other creditors offered loans with significantly high interest rates and I have been wrongfully denied which was highly embarrassing and has negatively impacted my lifestyle. This misinformation has had a detrimental impact on my financial options and opportunities. Would you reinvestigate the accounts listed below. 

Account Name XXXX XXXX XXXX XXXXXXXX Number : XXXX Reinvestigate the completeness of every piece of information and if its not accurate, please remove it from my credit report. 

Reference to Relevant Laws : I believe that these inaccuracies violate consumer protection laws, including but not limited to the Fair Credit Reporting Act ( FCRA ). The FCRA mandates accurate reporting and stipulates that consumers have the right to dispute and correct inaccuracies on their credit reports. 
Based of consumer law 15 U.S. Code 1681i - Procedure in case of disputed accuracy, if within 30 days you can not verify the accuracy of the information, please remove the account from my credit report. 

Request for Thorough Investigation : I kindly request that TransUnion conducts a thorough investigation into the inaccuracies outlined above and takes immediate corrective action. I believe that rectifying these errors is crucial to maintaining the integrity of the credit reporting system and upholding consumer rights. 

Potential Legal Consequences : Please be advised that if these violations are not addressed promptly, I may be compelled to take legal action to protect my rights under the FCRA and other applicable laws. 

Optionally with the proof I am attaching to this letter, you will agree it needs to be removed XXXX. 

I appreciate your prompt attention to this matter and request that you keep me informed of the progress of your investigation. 

Thank you for your understanding and cooperation. 

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

My account was never late! I have had exceptional payment history all payments were placed on XXXX. 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 to be updated.

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.

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!

Update the late payments from my consumer reports
Product: Debt collection

I HAVE ATTEMPTED TO DISPUTED THE INACCURATE INFORMATION WITH THE COLLECTION AGENCY AS WELL AS THE CREDIT BUREAU AND THE INFORMATION IS STILL REPORTING INCORRECTLY AND IS HINDERING MY CREDIT AND STOPPING THE PROCESS OF ME PURCHASING A HOUSE. THE ACCOUNT ISN'T SHOWING IT HAS BEEN SETTLED.
Product: Debt collection

Contacted me on XXXX/XXXX/14 via and did not inform me that it was an attempt to collect a debt with threats to garnish my wage. I have been making payments on a monthly basis since XXXX 2014 to current in a timely manner and they have not reported payment history to credit agencies. I have been charged interest in addition to the original debt owed. Since the year started I have been weekly letter from the company as a reminder to make payment by the XXXX of the month and just made a payment the week prior. My monthly payments have been paid in a timely manner via online account through the debt collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX shows a report of citibank credit card payments for {$23.00} a month for the past 4 years. i do not have a citi bank credit card, but my ex husband does. his information is being reflected on my XXXX XXXX report. i am not associated with his banking at all. and if he should fail to pay his debt it will reflect on my credit report. i want his charges off my report
Product: Credit reporting or other personal consumer reports

These are the hard inquiries that are not connected to open accounts that were ran and the dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Not attached to accounts
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX Opened XX/XX/XXXX, Bal {$4200.00} XXXX XXXX opened XX/XX/XXXX, XXXX. {$1200.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX. {$2200.00} XXXX XXXX XXXX XX/XX/XXXX, XXXX. {$1500.00} XXXX XXXX XXXX opened XX/XX/XXXX, XXXX. {$1600.00} XXXX XXXX opened XX/XX/XXXX, XXXX. XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaints ( XXXX and XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

I am requesting the credit card company provide all audio tapes from XX/XX/XXXXthrough XX/XX/XXXXto show I tried to cancel the card in XX/XX/XXXX, I took my ex off the card in XX/XX/XXXX. This information was confirmed to me in phone call in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I was listed as part of the XXXX data leak from Florida XXXXXXXX XXXX XXXX It was recommended to login to TransUnion and put a freeze on my credit requests. I tried logging in and didn't have a valid login. I then tried to create an account, and it fails to let me login. 

When trying to login with email address and the newly setup password, login fails. States to call customer support at XXXX. I call the number, it picks up, and then hangs up about XXXX seconds later. 

I've been trying since XXXX  ( XXXX ) to login to freeze my credit request and it's not working. I'm concerned someone will open new credit accounts in my name.
Product: Checking or savings account

On XX/XX/XXXX a fraudulent XXXX company  withdrew {$150.00} using XXXX out of my checking account. Over the next couple days there were another 4 XXXX transactions from a fraudulent shipping company XXXX XXXX taking another {$850.00} out of my account ( {$300.00}, {$250.00}, {$100.00}, {$200.00} ). I submitted a claim to my bank on XX/XX/XXXX and I am still fighting this and their initial findings were to say I authorized. I was able to catch this before XXXX took another XXXX and then I started receiving texts that I would be XXXX for funding XXXX XXXX. Ive tried to reach out to the XXXX & shipping company via phone but they only connect via text, the phone goes to a XXXX voice line
Product: Credit card or prepaid card

On XXXX XXXX I found out my cards were closed. Once recovered email. I went on the account and could not find a letter. I try calling they said they could not tell me. I have to go to the bank. After 8 callings and not getting anywhere. Some guy explains to me where to find the information. 

The reason why I was confused is the fact that I never missed a payment. Something felt wrong about the decision. First, it was extremely vague and was heavily weighted. As they just issued me a second card. Now say my credit History was a factor. When it never has in the past 2 years plus that I had cards with them. 

After several contacts threw their security methods. In this back and forth I found out about the credit card in the past. That it was the main reason why closed it. They gave me one date which was XXXX. 

I found out just because I wanted to show them I was getting credit cards under control. The response email told me that it is great I will be on the past card. She forwards it to the department and they get in touch in two weeks. 

The problem is I am still a victim of Identity theft. It is still ongoing. I had thaught heard the last of in XXXX. Then my computer died for a few days. This happens. Somehow someone hacked all my accounts and changed email, password, closed down every account I had and other things. I think I caught it at the right time. I locked my credit history. Then I ran through and checked all accounts fixing two at once as I go. I only have 10 on the advice of a past lawyer. Still not sure how. All my passwords are 30 letters long. 

That comes up to the wondering part. I checked every record I had, As far back as I was able to get information. I do not have any chase cards on file. The bad news where some of the files stored had some severe water damage on 8 boxes of mine. So it still up in the air. 

I had asked them to send me the info and other requirements and they have not contacted me on it. Now I am perfectly fine for them closing it for ligament or rule reason. To close them on a debt that over 14. Then I have a major issue. Especially when they refuse to discuss or give answers. Chase wants me to bo to the bank which is XXXX miles away. 

In secured address I did asking, I asked 7 question lawyers said to do. The main Three was the debt a write-off. Do you still own debt or was it sold? Can you provide proof of ownership? These are the core thing most need if identity was stolen. Make easier to track. To decided if yours or the one whole stole your identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I had disputed with XXXX about my bankruptcy in which their response was they verified the information as accurate with the courts as well as they obtain there info from 3rd party vendors XXXX or XXXX XXXX XXXX. I have a letter from the courthouse ( attached below ) of my bankruptcy that they do not report to the credit bureaus but can verify my bankruptcy as it is a public record and the document stating that they obtain info from vendors therefore the original response from them verifying the item with the court was not correct and the reporting requirements from XXXX do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately. 

XX/XX/2022 I had disputed with XXXX about my bankruptcy in which their response was they verified the information as accurate with the courts as well as they obtain there info from 3rd party vendor XXXX. I have a letter from the courthouse ( attached below ) of my bankruptcy that they do not report to the credit bureaus but can verify my bankruptcy as it is a public record and the document stating that they obtain info from vendors therefore the original response from them verifying the item with the court was not correct and the reporting requirements from XXXX do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately. 


XX/XX/2022 I had disputed with equifax about my bankruptcy in which their response was they verified the information as accurate with the courts as well as they obtain there info from 3rd party vendor XXXX. I have a letter from the courthouse ( attached below ) of my bankruptcy that they do not report to the credit bureaus but can verify my bankruptcy as it is a public record and the document stating that they obtain info from vendors therefore the original response from them verifying the item with the court was not correct and the reporting requirements from equifax do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.
Product: Credit reporting or other personal consumer reports

For some time now I have been contacting Transunion in regards that my credit score that I monitor through XXXX for their bureau has nothing to do with the credit score that they are providing the creditors when I apply for credit. I been turned down by the XXXX XXXX that is offered by XXXX XXXX many times because of this. Not only they do not send an updated scoring to the creditor but they also use the same model XXXX XXXX XXXX model and the scores are completely different. I have called the creditors and they advise me to call the bureau and they have me in a back and forth all the time. XXXX  XXXX is another bank which has never given me a decent credit over 500 dollars and I have 5 credit cards with them and this is the reason why because my credit score and my report are not accurate. A discrepancy of over 100 points. 

I will attach proof of this findings
Product: Mortgage

We had an XXXX loan on our house. The 20 % loan, XXXX mortgage, was with BOA, Bank Of America. It was for a term of 10 years, but I wanted to accelerate the payments since it was such a small monthly payment. Every month I would pay XXXX to XXXX times the monthly payment expecting that they would apply the excess to principal. No, they DID NOT apply the excess to principal, they applied it to the coming payments. IE if I had made triple payments in XXXX, I would n't have had another due until XXXX. I called them, told them this was incorrect and their response was, " fine, we 'll fix this. Please write FOR PRINCIPAL ONLY '' on all payments in excess of your original amount. Fine, lesson learned. The next month I wrote XXXX checks, XXXX for the amount of the XXXX mortgage and XXXX clearly marked PRINCIPAL ONLY for XXXX times the mortgage amount. The same thing happened, they applied it to the coming months payments. I again contacted them and was told that it would be taken care of. Well, this time they took three months of payments out and applied this to principal, thus putting me late for the current month 's payment. At the end of XXXX years I had a ream of notes and NO patience left with BOA. they had " misapplied '' every XXXX OVERPAYMENT on my part to their benefit. If they did this with my payments I know they were doing the same thing with everyone else 's thus resulting in some heavy interest on their side. After two or three years of constantly fighting with them about this issue, and NEVER being able to reach the same person to fix it, I told my husband that we had to pay it off in full or I was going to have a breakdown. We did pay it and I was so happy ... until we refinanced and our primary loan was sold to BOA. It seems that the " misapplication '' of funds has stopped ( I still pay more than the original loan so that the principal can be paid in an accelerated fashion ) but I check every month because I ca n't trust them to do the right thing. I hate BOA from the depths of my soul and if I had my way there would be many bankers in jail.
Product: Credit reporting or other personal consumer reports

I Sent letters to Experian to to show that they had wrong information but they still would not delete incorrect information. My plan next step is to XXXX Experian for not complying with the Consumer Laws.
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. 


Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : U.S. Bankruptcy Court # XXXX 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 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.
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

2. The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

5. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX