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

I sent an initial complaint dated XX/XX/year> with the inaccuracies that are being reported differently across XXXX Equifax and XXXX. They ( XXXX XXXX XXXX ) received that letter with certified returned receipt on XX/XX/year>. I received an email corespondence on XX/XX/XXXX, XXXX  Their response was a " canned '' response that " The information you disputed is accurate and complete, so we must decline your request that we modify or delete the disputed information '' A second letter was sent today ( XX/XX/year>XXXX  ) certified signature required with further violations highlighted. I hope they cure the deficiencies by fixing or deleting the inaccurate items as required by Law.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd time trying to fix the errors of this alleged account. I wrote XXXX letters both XXXX and XXXX of XXXX, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across all three bureaus Equifax shows XX/XX/XXXX, XXXX shows XX/XX/XXXX and XXXX  has XX/XX/XXXX. Please tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately. 


Account Name : XXXX Account # : XXXX
Product: Mortgage

I applied for assistance with my lender on XXXX/XXXX/2015. I hired an attorney to help me submit my paperwork to my lender Bank of America. I confirmed Bank of America had my full and complete application and all financials ( See letter attached dated XXXX/XXXX/2015 ). Bank of America then recorded a Notice of Sale against me on XXXX/XXXX/2015. I am told per RESPA-Mortgage Servicing Regulation X XXXX, my lender is not supposed to move forward with foreclosure if I have an application submitted 37+ days prior to a any sale date. My application qualifies within that time period and I feel my servicer illegally recorded a notice of sale against me and is therefore is now " Dual Tracking '' my foreclosure process. I am currently under review for a loan modification. The most recent letter ( Attached ) states I have until XXXX/XXXX/15 to provide additional documentation. Although I have already submitted this paperwork on XXXX/XXXX/15, how am I going to comply if I now have a sale date hanging over my head for XXXX/XXXX/2015??? I feel I qualify for assistance. My attorney says I qualify for assistance. Bank of America 's actions seem to violate RESPA Reg X ( XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act : XXXX XXXX XXXX XXXXt # XXXX {$1000.00}, XXXX XXXX XXXX Account # XXXX, {$960.00}, XXXX XXXX XXXX Account # XXXX, {$1500.00}, XXXX XXXX XXXX XXXX  Account # XXXX {$1500.00}, XXXX XXXX XXXX account # XXXX, {$140.00}, 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

In accordance with the Fair Credit Reporting Act, 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 : also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Federal Rules of Bankruptcy XXXX XXXX and XXXX for more detail on the Clerk 's duties to keep records and privacy protections for those records. Unless your bankruptcy case records are sealed or contain information subject to XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The due date on my XXXX credit card is the 1st of every month and the reporting day is the 5th of every month. As previously established and carried out. 

I paid the balance of {$210.00} in full on the 4th and on the 5th XXXX cards notified the credit bureaus that I have a full and OVER THE LIMIT balance of {$210.00}!!! This dropped my credit score During this pandemic it is extremely important to have correct information reporting. This balance needs to be corrected and updated immediately. 

I already reached out to them and they are not being proactive with assisting me with the false claim as they are required to BY LAW.
Product: Credit reporting, credit repair services, or other personal consumer reports

This information is not mine. I have sent letters and called to report this issue for over 4 months. I was informed that the information would be removed. It is still showing on my report. It does not belong to me. 

XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I disputed the validity of several accounts on my credit report from Equifax and XXXX because payments were marked as late when they were paid on time, '' and payments were not credited to my account, '' or " the account balance was incorrectly reported and they failed to correct this error
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I sent a letter asking to fully validate the reported information and remove anything form my credit report that they couldn't provide a signed, original contract for that correlates each account in question. My credit report was updated, and it stated that the account was correct, and it met FCRA requirements. No original contract was provided to me, and I believed there were illegal collection fees not agreed to with the original merchant of the account reported. 

On XX/XX/2023, a second letter was sent requesting again to provide an original contract for the items that I previously disputed that were listed in the letter. I had reason to believe they have illegal collection fees not explicitly agreed to or expressed in my original contract with the original merchant.

Again, they have reported that accounts met the FCRA 609 and 611 provisions with no proof or original contracts. 

Upon this request for removal, the credit bureau failed to fully verify/validate the items listed in the mailed dispute letter by locating the original contract and/or other documents that validate the given items, within 30 days.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to formally lodge a complaint concerning multiple inaccurate address listings and fraudulent inquiries on my credit report, which have caused significant distress and concern. My name is XXXX XXXX, and I have been a responsible and diligent credit user for many years. 

I recently reviewed my credit report from XXXX, XXXX and Transunion Credit Bureaus and discovered several inaccuracies and fraudulent inquiries that require immediate attention. I noticed that my credit report contains multiple addresses that I have never resided at. These inaccuracies not only cast doubt on the reliability of my credit report but also raise concerns about potential identity theft or fraudulent activities. There are several credit inquiries on my report that I did not initiate. These inquiries were made without my consent or knowledge, and they were not related to any legitimate credit applications or transactions I have undertaken. I understand the importance of maintaining an accurate credit report, as it plays a crucial role in my financial well-being. These inaccuracies and fraudulent inquiries not only damage my creditworthiness but also create a sense of vulnerability and insecurity. 

I kindly request that you take immediate action to investigate and rectify these issues on my credit report. I have attached copies of my credit report highlighting the inaccuracies and fraudulent inquiries for your reference. 

I understand the importance of maintaining accurate credit reporting and trust that the 3 credit bureaus will take the necessary steps to rectify this situation promptly. Please keep me informed of the progress of your investigation and any actions taken to resolve these issues. I believe it is essential to highlight the issues I have encountered about this fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX .
Product: Debt collection

This is the 3 time I have sent a complaint over this fraudulent account from THE XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX. I have informed the XXXX XXXX collection and the credit bureaus that is has been reported to both XXXX Police and FTC. Now a 3rd time with the CFPB.
Product: Debt collection

I agreed to take responsibility for my XXXX adult daughter 's XXXX XXXX with XXXX XXXX XXXX XXXX in XXXX XXXX. I agreed to pay XXXX, then XXXX in XX/XX/2018 and XXXX XX/XX/2018. I paid all but XXXX. I agreed I owe this amount but they are saying I owe XXXX. I don't. I have tried to explain only to have them that this XXXX  is IN network and that I only agreed to pay as mentioned. I am happy to pay the XXXX that is remaining but they won't accept it. I sent ALL required dispute but they say they put this on my credit today. They have been calling from an unknown number in addition to their XXXX number and are pretending I can't say they are calling me, becuase the number is coming up unknown. They have also been harassing me saying that now man wants me because I am upset and then they have misquoted the law, which I have to outline for them in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have various inquiries on my credit report transunion and XXXX as well as false personal information that Ive tried to have removed because I did not allow it nor did I apply for it
Product: Credit reporting

Fist Advantage was hired to do a background check on me by XXXX 's ( XXXX ). They falsely reported that I was convicted of a felony. After numerous lies being told to me and multiple dispute " tickets '' opened they say that they have updated XXXX yet I am still being told that they have yet to hear. This is costing me financially. If they would have cleared up a honest mistake from the start I would n't be this frustrated but due to the gross negligence of their " investigation '' team I am suffering. As a " background check '' investigation company they should be able to see these things. I had to walk someone named " XXXX '' ( ext XXXX ) through the county website to show him that I do not have a felony on my record. It is all public but their incompetence and negligent team could not figure this out. I feel like they should reimburse me for time lost but I doubt this will happen until the court is involved. I am certain that I am not the only one who has been harmed by their practices. Please let me know what actions can be taken to prevent them from mistreating anyone else and help to resolve this ongoing issue. They continue to lie to not only me but my HR representative. They will say anything to get people off of the phone and lie about actions being taken to help.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) I am a victim of human debt XXXX, which falls under XXXX  according to XXXX-Debt Final rules1002, 142 ( b ) ( 4 ) -5 -- 1002142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within >>>>>>4 BUSINESS DAYS<<<<<<<<<pursuant to 605C of the Fair Reporting Credit Act. I am a victim of XXXX XXXX of debt bondange and would like for all listed accounts to be blocked and removed from Experian and XXXX. 
XXXXXXXX XXXX XXXXXXXX {$1500.00} -XXXX XXXX XXXX XXXXXXXX {$860.00} -XXXX XXXXXXXX {$1400.00} According to the FCRA, specifically : 1. **Section 605B** : Requires the deletion of information resulting from identity theft.

2. **Section 611** : Provides the right to dispute information in my credit file.

3. **Section 623** : Requires that furnishers of information to credit reporting agencies ensure the accuracy and integrity of the information provided.

4. 15 USC 1681 Section 602 states I have a right to privacy.

5. **15 USC 1681 Section 604 ( a ) Section 2 states a credit reporting agency can not furnish an account without my written instructions.

6. 15 USC 1666 ( b ) 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 Despite my previous attempts to resolve this issue with both the creditor and your agency, the inaccuracies remain on my report. In addition, please note that if this matter is not resolved promptly, I will be compelled to escalate my complaint to the Attorney General 's office. This step is necessary due to the multiple failed attempts to address this matter through the proper channels. I will be waiting for 30 days before I escalate this matter any further ( FRCA section 611 ( A ) ( 1 ) .According to FRCA Section 604 ( A ) ( 3 ), please provide proof of signature giving the the approval to pull my credit report, run my credit report, or do any kind of business.

If you can not verify the debt, please remove this off my account for the THIRD TIME!!!

According to FRCA section 605 ( c ) you are in error by even updating this account! I am disputing all inaccuracies including my address.
Product: Debt collection

On XX/XX/XXXX I signed promissory note ( loan number XXXX ) promising to pay to the offer of Navy Federal Credit Union XXXX XXXX XXXX {$17000.00} with the finance charge {$6200.00} total of payments {$24000.00} @ Annual percentage rate 10.34 %. 
On XXXX XXXX as a federally protected consumer I registered mailed ( XXXX XXXX numbers XXXX XXXX XXXX, and XXXX XXXX a Negotiable instrument to Navy Federal Credit Union in accordance with Title 31 USC 5118 et.al. to satisfy the promise to pay as agreed. It is the duty of BANKS/CREDITORS to honor this instrument for payment, to know, to abide by and operate under the law. 18 USC 8 applies. Commercial instruments are legal tender for payment of debt in accordance with 31 USC 5118 and other statues/ codes. See also, XXXX XXXX XXXX vs XXXX XXXX XXXX ( XXXX ) and Article XXXX of Uniform Commercial Code. 
Navy Federal Credit Union failed to respond. 
Again, on XX/XX/XXXX I obtained the services of a NOTARY PUBLIC to perform a notary protest process on Navy Federal Credit Union. See, XXXX XXXX # XXXX ; XXXX ; XXXX ; and XXXX. 
On XX/XX/XXXX Navy Federal Credit Union sent response ( XXXX ) in reply stating " The document you provided do not release you from your obligation to Navy Federal and you remain responsible for the repayment of your debt ( s ), '' and threatened to report any late payments, missed payments or other defaults on my account to the credit reporting agencies to be reflected in my credit report. 
Therefore, Navy Federal credit union refusal to honor the negotiable instrument by failing to process and credit my account after receiving said negotiable instrument as tender of payment renders said obligation Discharged. See, UCC 3-603 AND OCGA 11-3-603.Otherwise, failure to do so is " INTERFERENCE WITH COMMERCE ", a Felony under the RICO ACT, 18 USC 1951.
Product: Debt collection

Under 15USC1692 ( c ) requires debt collectors to send consumers a written validation notice [ w ] ithin five days after the initial communication with a consumer in connection I provided and notarized copy from the current landlord showing I didnt owe them and they refused to remove the collection from my credit. Creditor is National Credit System, Account Number : XXXX, Date Reported is XXXX XXXX, Amount Owed XXXX, Company Address is XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX
Product: Credit card

My cards were stolen from my person on XXXX from a local store. I was not made aware immediately. The fraudulent charge was posted the following week due to it being an end-of-week date, so I did not receive a bank notification or statement notification for the balance until the following Monday. I filed a dispute with Bank of America for the transaction of {$1200.00} for a fraudulent XXXX purchase that was later determined to be an anonymous online purchase by investigating police. The police case number was provided to Bank of America by phone once made on XX/XX/ and I was not advised at that time that my case had been closed. Initially, the claim was rejected stating that it had not posted to my account when it had. They re-opened the case after I called a second time in late XXXX inquiring why there had been no updates and after receiving a determination letter that the claim had been rejected for not posting and provided my account the credit at that time. After investigating, they determined that they would not pay on the account due to my " required physical presence '' for the order, which I was not present for. I have not provided my PIN or signature to any individual and online credit card purchases do not require a signature. I have requested all paper documentation regarding this case and am filing a complaint with the bank as well as CFPB. BOFA informed me that there was no documentation available to send but they will re-open the claim for consideration without the credit to the account with a determination due in 45 days. 

Crime Case Number : XXXX, XXXX XXXX Police Department BOFA Claim Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it May Concern : 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer l am demanding the deletion of the accounts listed IMMEDIATELY! 

Account Name : XXXX XXXX  Account Number : XXXX Account Balance : {$0.00} The following Hard Inquiries reporting are unauthorized. Please remove from my credit report : XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Thank You
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Credit Reporting and Request for Immediate Deletion To Whom It May Concern, I am writing to formally dispute the accuracy of two accounts listed on my credit reports with all three major credit bureaus ( Equifax, XXXX, and XXXX ). The accounts in question are : XXXX XXXX XXXX XXXXXXXX These accounts are inaccurately reported, and I have not received the required documentation or resolution within the legally mandated 30-day timeframe as outlined in the Fair Credit Reporting Act ( FCRA ). This failure to comply with federal law necessitates the immediate removal of these accounts from my credit reports. 
Legal Basis for Dispute Under 15 USC 1681s-2, all information reported to consumer reporting agencies must be accurate and verifiable. In addition, per XXXX XXXX XXXX XXXX XXXX the issuance of a 1099-C form by a creditor constitutes an identifiable event of debt cancellation under IRS guidelines XXXX Specifically, Event Code 7 refers to a creditors policy decision to cease collection efforts and cancel the debt. 

Requested Actions Verification of the Account Balances : Provide clear evidence confirming that the balances reported for the XXXX XXXX XXXX XXXX  XXXX accounts are accurate and legally collectible. 

Provision of the 1099-C Forms : If these accounts were canceled and a 1099-C form was issued, supply copies of these forms to verify the identifiable events of debt cancellation.

Permanent Deletion of Inaccurate Accounts : If the debt was canceled under IRS Event Code 7 or can not be verified, both accounts must be permanently deleted from my credit reports in compliance with the FCRA.

Failure to Respond If you fail to address this dispute within the 30-day investigation period, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ) , and other relevant authorities. 

I have attached supporting documents, including copies of my credit reports highlighting the disputed accounts, for your reference. I look forward to receiving a written confirmation that these inaccuracies have been corrected and that the accounts have been permanently deleted from my credit reports. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX