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

I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX, XXXX, XXXX XXXX XXXX XXXX, OH XXXXXXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXXXXXX Balance Owed : {$150000.00} XXXX XXXX Balance Owed : {$700.00}
Product: Checking or savings account

I signed up for a checking account with CITI bank two weeks ago and was approved. I scheduled to have a deposit deposited into my new account the following Wednesday. I tried signing on to my mobile app and was restricted. I called and they said it was for a security alert and to wait for a letter in the mail to give them the reference number that was in the letter. I waited a week for the letter to come and was finally able to give them the number. They said the block would be taken off within XXXX hrs but it never was. I got my debit card the same day I got the letter and was able to use it for a few hours before a block was put on that as well. Since then I have called at least 10 times and they have asked me for my moms maiden name and the first school I went to and the number associated with my account and after providing them with that info they proceed to tell me that Im wrong that my moms maiden name isnt what it actually is and then they disconnect the call. They dont explain where the error is and or how to fix it. They just tell me that they are discontinuing the phone call and hang up. The closest branch is over XXXX minutes away so they are essentially holding my funds hostage in regards to what the problem is and or how to correct it.
Product: Credit reporting 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 XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balanced : {$140.00} XXXX
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Bankruptcy Reporting Due to Non-Reporting by XXXX XXXX XXXX XXXX XXXX Whom It May Concern, I am writing to formally dispute the bankruptcy information reported on my credit file. According to my records, a bankruptcy case from the XXXX XXXX XXXX XXXXXXXX is currently listed on my credit report under the account associated with **Case Number XXXX. However, I have confirmed that the GXXXX XXXX XXXX XXXXXXXX does not report to the credit bureaus, meaning the information appearing on my report was not provided by the court itself. 
Under the **Fair Credit Reporting Act ( FCRA ) ** and **federal law**, all information on a consumer 's credit report must be **accurate, verifiable, and reported by an authorized entity**. Since the XXXX XXXX XXXX XXXX XXXXoes not report bankruptcies to the credit bureaus, the inclusion of this information on my report is **unverifiable and must be removed immediately**.

Additionally, I am invoking my rights under the following federal statutes : - **15 U.S.C. 6802** - Prohibits unauthorized disclosure of financial information.

- **15 U.S.C. 1681e** - Requires consumer reporting agencies to ensure the maximum possible accuracy of information.

- **15 U.S.C. 1681b** - Limits who may access a consumer report and for what purpose.

- **15 U.S.C. 1681q** - Prohibits obtaining consumer information under false pretenses. 
- **15 U.S.C. 1681c-2** - Grants consumers the right to block fraudulent information from appearing on their credit reports.

- **18 U.S.C . 1028A** - Criminalizes identity theft and the misuse of personal information. 
Because this bankruptcy information was not reported by the court and is therefore **unverifiable**, its presence on my credit report constitutes a **violation of my rights under the above statutes**. If this information is not removed, I will have no choice but to escalate this matter by filing a formal complaint with the **Consumer Financial Protection Bureau ( CFPB ) **, the **Federal Trade Commission ( FTC ) **, and other relevant authorities. 
I request that this bankruptcy entry be deleted from my credit file **immediately**, as required by law, and that I receive a written confirmation of its removal. 
Please conduct an immediate investigation and provide written confirmation of the results. I have enclosed a copy of my **identification** and a copy of my **credit report with the inaccurate information highlighted** to assist in your review. 
Thank you for your prompt attention to this matter. I look forward to your response within the legally mandated timeframe of **30 days** from the receipt of this letter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I am looking over my credit report and for the past few months XXXX  is the only company that show 's my barclay 's card that I am on. The issue here is the other credit reporting services are not reporting my accurate information. I have spoken to them on the phone as well as barclay 's. I have provided a screen shot of XXXX  showing I have a barclay 's account with a XXXX balance. I am trying to get my credit utilization under 30 % and them not updating the accurate information is becoming a problem. If anyone has any questions please feel free to call you. Looking to get everything up to date as soon as possible. I understand with everything going on In the world that things take longer but I have waited a few months now and nothing has changed. Hopefully you can be of help and we can resolve this.
Product: Credit reporting or other personal consumer reports

None of this information is mine, I need it to be removed. 
XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX EQUIFAX EQUIFAX MTG XXXX XXXX XXXX - Incorrect
Product: Credit reporting or other personal consumer reports

I am writing to address a matter of utmost importance regarding my credit report, specifically pertaining to billing errors under 15 U.S. Code 1666 ( b ) ( 4 ) and ( 5 ), as outlined below : ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. Upon reviewing my credit report, it has come to my attention that there are multiple billing errors on my accounts, and I suspect a violation of 15 U.S. Code 1666 ( b ). As per my understanding, the creditor failed to notify me 21 days before  with a statement, and as a result, there should be no late payments reflected on these accounts. I am formally requesting hard, solid proof from your institution 's records demonstrating that I did not make a payment and was consequently marked as late, as this appears to be a billing error. 

The specific account details in question are as follows : Account Name : XXXX Account Number : XXXX Late Payment Date : XX/XX/ I insist that these items be promptly updated on my consumer report to reflect the accurate status of " paid as agreed. '' It is my right as a consumer under the law, and I expect compliance within a reasonable timeframe. 

If these accounts are not updated or deleted immediately, I want to make it clear that I reserve the right to seek monetary compensation for the violation of my rights under 15 USC 1681n civil liability. I am prepared to pursue legal action in small claims court in my city and state. 

Furthermore, I have taken the initiative to involve relevant authorities by filing a complaint through the Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. This matter is of great concern, and I trust that your institution will address it promptly and rectify the inaccuracies on my credit report. 

I anticipate your swift attention to this matter and a resolution within the statutory time frames.
Product: Debt collection

I have contacted Trans Union and XXXX XXXX. I made the request several years ago to Trans Union and all of the past collection agencies claiming that I owed a debt to XXXX. I settled all of my prior debts with XXXX when I received my final bill prior to changing carriers. I 've disputed this for the past three years. 

Starting in late XXXX I began to receive letters claiming I owed this debt. I knew I did n't and waited patiently for Trans Union and the pool of collection agencies to realize that. I request on numerous occasions that I receive a copy of my original last itemized bill from XXXX. Trans Union nor any of the collection agencies honored my request. 

This Derogatory Public Record has cost me years of lower interest rates, possible credit and new job considerations. There should be some form of monetary restitution. Credit Bureaus and Collection Agencies must do a better job of investigating the facts before this irreversible damage is done to consumers. " This is egregious, and worse than, " Identity Theft. ''
Product: Credit card or prepaid card

On XX/XX/2023, XXXXXXXX XXXX  Loans sent an {$8000.00} payment to Barclays for my " Old XXXX XXXX XXXX Card ''. According to XXXX, this payment came through " XXXX XXXX '' as a paper check and was cashed by Barclays on XX/XX/2023. After this payment had already posted and been taken out of the personal loan, Barclays recanted the " paid '' status on the payment and revised it to a " provisional credit ''. On XX/XX/2023, I reached out to Barclays for more information on this change. Upon that conversation, they opened an " investigation case '' and told me that it could take up to two billing cycles for the investigation to be completed and I would not be responsible for interest or other fees during the investigation process. On XX/XX/2023, I reached back out to Barclays with more information, providing them with the account and routing number of the check. Barclays gave me a case number for the investigation at this time. On XX/XX/XXXX, I reached back out to Barclays ( after receiving a threatening letter in the mail that my account was not in good standing and I needed to contact them immediately ). I reached out to XXXX XXXX Loans at this time and had them fax an official declaration of payment, showing that Barclays had cashed the check and applied it to an account. It had not been returned to XXXX XXXX Loans. On XX/XX/XXXX, I got a call from a collections bureau, once again telling me that my account is not in good standing and I need to make a payment immediately. I have asked where the payment is at this time and they have no answer. You can not speak directly to the investigations team. There is no avenue for that. I once again started chatting with the online chat help and they stated that they could not really do anything without me calling into the customer service department. Barclays has only reached out to me twice, once through a written and mailed letter and now once through a debt collections bureau. I still don't have an answer to where this money is now or when it will be located.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested on four different occasions by mail for Experian to verify AND validate the information they are reporting on my credit report. The first two times they responded by mail they said that the information had been " verified '' However, I requested that per FCRA act 609 that they provide me with proof of the verification used to verify this account information as it is not mine. The two accounts in question are : XXXX  XXXX and XXXX XXXX. Experian never provided me with any details or proof surrounding the investigation. On the third and fourth request, the last being dated XX/XX/19 ( report number XXXX ) they refused to investigate the information again unless I had an additional " relevant information '', thus placing the burden and responsibility on me the customer when they are the ones reporting inaccurate information, damaging my credit scores and causing me financial loss.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I submitted a dispute to Experian on XX/XX/XXXX. On XX/XX/XXXX I received an email stated the account was verified. 



The Credit Bureau stated the account was properly investigated, but how is that possible if the Last Reported Date is XX/XX/XXXX. But then the Date Last Active is XX/XX/XXXX Date of Last Payment is XX/XX/XXXX. And the Payment History is reporting payments far past Dates of Last Reported and Last Active. On top of that, I've never done business with XXXX XXXX, never gave them my consent to open any accounts or report on my credit reports. These are all grounds for removal. They have also violated my rights under 15 U.S.C Section 168li ( a ), if proof is not provided, the account must be deleted.

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 : which states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

The reason for my filing of this complaint is that this company is not abiding by the law. I have sent a number of disputes to them in regards to Identity theft. I even attached all the evidence to prove my case as my FTC report, My police report, etc. 

But until now, this company is still reporting this fraudulent account. I am prepared to File a lawsuit against them if they continue to report this fraudulent account. For yet another time. This account is fraudulent and I want it removed from my report : XXXX XXXX XXXX XXXX, Account # XXXX, Balance {$1200.00}, Date Opened XX/XX/2018 I am attaching herewith my previous dispute, my small claims form, my FTC report and my Police report which I sent to this company earlier.
Product: Debt collection

My daughter was hospitalized briefly on XX/XX/XXXX for a medical concern. The hospital took all of our health insurance information upon intake- for which we had XXXX XXXX and were fully covered at the time. 

Apparently, a third party rendered services on that day, and did not bill my insurance for whatever the reason -- but, for which I was unaware. 

Later this third party medical provider allegedly attempted to retrieve their debts from us by sending medical bills to the wrong address ; and I just found out about it from a collections agency. 

I contacted the collections agency today ( XX/XX/XXXX ) who informed me that the medical bill had not gone through our insurance, and that I was now responsible to pay for it or resolve the matter with the third party medical provider. 

The third party medical provider is out of business, and their phone number is disconnected. 

I paid my co-pay for the hospital visit from that day, and am under no obligation to owe this debt, and would have been resolved had I been made aware that this was happening.
Product: Student loan

Per advice with a consumer credit counseling agency, on XXXX XXXX, XXXX I filed for the consolidation of my federal student loans as well as for XXXX. In XXXX XXXX, I was notified that my monthly payments would be {$30.00}, which was higher than the {$0.00} figure my counselor had estimated, but still found that managable. When I signed into my account on XXXX XXXX, XXXX, I saw that my monthly amount was now listed as {$270.00} and some odd amount of change. I called FedLoan 's XXXX number, and I was told that the {$30.00} figure was prior to my loans being consolidated and that I would have to re-apply for REPAYE. By how the information read on FedLoan 's webpage, they would consolidate first, then apply the income-based repayment plan afterwards. After submitting my re-application and some processing, I got notice on XXXX XXXX, XXXX that my monthly payments would be {$100.00}. While I have experienced a {$1.00} per hour pay raise at the start of the year, my counselor has commented that the amount that has been re-estimated should not be nearly that much. Needless to say, I am not very happy with FedLoan and both my counselor and I will be talking to them very soon.
Product: Payday loan, title loan, personal loan, or advance loan

ON XX/XX/year>XXXX  I applied for a loan with embassy loans. SHORTLY AFTER MY VEHICLE GOT REPOSSESSED BECAUSE OF LATE PAYMENT. WHEN I TRIED TO PAY IT THE WOMAN I TALKED TO GAVE ME AN OVER PRICE AMOUNT TO RECEIVE MY VEHICLE BACK. I BELIEVED SHE WANTED ME TO PAY 3 months ahead for a 1 month late payment. And I didnt have that amount so I had no choice but to allow them to keep the car. But looking at my Credit Report they still have my account open and still reporting 1 year later.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern I have a fraudulent Hard Inquiry on my personal credit report. The error has been generated by the company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX posted as of XX/XX/2020. I have contacted the company repeatedly to no avail. I have been a victim of identity theft and clearly this is fraud. I have never had dealings with this company. I have disputed this both with Equifax and with XXXX XXXX XXXX and keep getting the runaround switched from department to department never to get resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

One of the major credit bureaus, Equifax, maintains a wrong record of my date of birth. The wrong data of my identification made me being rejected in many situations. As a real case happened in XXXX, I was unable to get Internet service from XXXX. I first applied via phone calls, all agents failed, and suggested me to go to a solid store in person. I did so, but failed again. My problem was escalated a couple levels in my 3 hours waiting there. Even the store manager keyed in his own privileged code trying to surpass the blockage, their system wouldn't let him overwrite the mismatch between birth year XXXX on driving license vs. birth year XXXX from credit report. I asked which one of the 3 major credit companies provided that wrong data? The store  manager replied it was confidential, they were not allowed to reveal it. I understand that your organization advises us to first try contacting directly involved company for resolution. But in my case, I really dont know which company to file complaint with. I wish you would be willing to offer help to me. Any help from you shall be highly appreciated.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX has been re-inserted into my credit file. By law they are required to notify me within five ( 5 ) days of reinserting a previously deleted item ( 15 U.S. Code 1681i ( a5B ) ). I did not receive any such notification. at my 6th Amendment unalienable right, I respectfully demand Deletion of this item immediately or I will be forced to take legal action! In addition to the Fair Credit Reporting Act ( FCRA ) and Internal Revenue Code ( IRC ) Section 6050P, it's crucial to explore other relevant codes and regulations that may impact your case. Of particular importance are provisions that address the rights and protections afforded to service members and the potential consequences of the unlawful reinsertion of a previously deleted credit file. Here are key regulations to consider : Servicemembers Civil Relief Act ( SCRA ) : If you are a servicemember, the SCRA plays a significant role in safeguarding your rights, especially concerning interest rates, debt collections, and credit reporting. It is essential to evaluate any potential violations related to your status as a service member. Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) : UDAAP prohibits unfair, deceptive, or abusive practices in the financial industry. In the context of your case, it becomes relevant if there are concerns about the financial institution 's conduct, especially regarding the reinsertion of a previously deleted credit file. Gramm-Leach-Bliley Act ( GLBA ) : Sections 501 and 502 of the GLBA are crucial for addressing privacy concerns related to consumer financial information. It establishes rules for privacy policies, nonpublic personal information protection, and consumer opt-out rights. This becomes pertinent if the reinsertion involves mishandling or improper disclosure of your financial data. Regulation P : Privacy of Consumer Financial Information : Regulation P implements GLBA 's privacy provisions and focuses on safeguarding consumer financial information. It includes requirements for privacy notices, opt-out mechanisms, and restrictions on information-sharing, ensuring the protection of your sensitive data. Regulation B : Equal Credit Opportunity : Regulation B, implementing the Equal Credit Opportunity Act ( ECOA ), prohibits discriminatory credit practices. It ensures fair and equal treatment of credit applicants, making it essential to assess any potential violations concerning your credit reporting. These regulations collectively contribute to shaping the legal landscape surrounding credit reporting and financial privacy, offering avenues for addressing any infringements and seeking a fair resolution. If you have specific concerns related to these regulations, consulting with legal professionals well-versed in consumer protection laws can provide valuable insights and guidance.
Product: Mortgage

In XXXX I applied for and received a XXXX XXXX XXXX for my property at XXXX XXXX XXXX. In XX/XX/XXXX, I applied for a refinance of my construction loan with Amerifirst Home Mortgage. 

My underwriting file was forwarded to XXXX Underwriting Department on XX/XX/XXXX as documented by an e-mail from XXXX XXXX, Renovation Sales Manager. I was denied approval of my loan on XX/XX/XXXX. I requested this denial due to being negatively impacted by Covid-19. 

I have written Amerifirst regarding their failure to provide a timely loan decision. I have enclosed their response asserting full compliance with XXXX. 

From XX/XX/XXXX to XX/XX/XXXX, Amerifirst did not request any additional information from me. Prior to XX/XX/XXXX I provided my tax returns, compensation statements, bank statements and retirement account statements. From XX/XX/XXXX to XX/XX/XXXX, my credit report was run, an appraiser was appointed and a survey was conducted. I was even promised a closing date in XXXX. 

Amerifirst 's failure to provide a timely credit decision and taking actions that would indicate loan approval ( survey, appraisal, title company etc. ) resulted in significant financial harm to me and my family. If I was given a timely denial of credit I could have possibly secured an alternate source of refinancing. 

In addition, the appraisal ( s ) used in my refinancing contained factual errors as well as failure to follow well established appraisal methodologies for excess land. I have filed complaints with the State of Florida regarding the two appraisers. The key issue here is that the loan to value ratio should be below 80 % and PMI should be avoided. With the flawed appraisal reports, my loan continues to require PMI and the associated premium. 

I have provided you with the relevant letters that I wrote and Amerifirst 's response. I have provided a timeline of this transaction.