23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested to see Verified record of XXXX  and Transunion files. 609 ( a ) states information ON FILE ; sources ; report recipients. Every consumer reporting agency shall, upon request to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. This information should be in the credit bureaus files when they put this information on your credit report. I was instructed to contact the creditors for, all documents. Therefore they are reporting unverified accounts. Because this information should be stored in the credit bureaus file and in their computer database on every consumer.
Product: Credit reporting or other personal consumer reports

This marks my latest endeavor to contest the information within my credit file, which has arisen from an alleged incident of identity theft. Once again, I am forwarding an identity theft report, numbered # XXXX. Pursuant to FCRA Section 605B ( a ) ( 1 ) ( 2 ), you are obligated to expunge any information within my file resulting from an alleged identity theft, no later than four business days following the date of receipt, accompanied by ( 1 ) appropriate evidence of the consumer 's identity and ( 2 ) a copy of an identity theft report. Enclosed is the roster of accounts I seek to have removed from my credit reports, categorized by bureau : EXPERIAN : XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$18000.00} XXXX XXXX  XXXX XXXX XXXX XXXX : {$3700.00} XXXX : XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX {$16000.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$3700.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$18000.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00}. Please be advised that you have four business days to expunge the reporting of any items in my credit file resulting from an alleged identity theft. I do not consent to E-OSCAR or any automated verification methods.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, PA XXXX Subject : Formal Complaint Regarding Late Payment Reporting for XXXX  XXXX Account Dear Consumer, Financial Protection Bureau, I am writing to formally dispute the reporting of a late payment on my XXXX  XXXX account, which I believe to be inaccurate and damaging to my credit report. This situation is in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and associated regulations, specifically 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ).

Recently, I submitted a dispute regarding the late payment reported by XXXX XXXX. Under the FCRA, credit reporting agencies are required to conduct a thorough reinvestigation into any disputes filed by consumers. Despite my efforts, I have found that the late payment continues to appear on my credit report, adversely affecting my credit score and overall financial health. 

The failure of the credit bureau to accurately reinvestigate this matter constitutes a violation of the protection afforded to me under federal law. I have attached relevant documentation, including my dispute correspondence with both the credit bureau and XXXX XXXX, which supports my claim. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take the necessary steps to ensure compliance with the law. I seek prompt action to remove this inaccurate late payment from my credit report and to restore the integrity of my credit history. 

Thank you for your attention to this urgent matter. I look forward to your timely response and a resolution. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

Pinnacle Credit Services , LLC has corresponded and called me continuously in reference to a debt they allege I some how owe them and I have never signed a contract with them. They still trying to pursue this alleged debt.
Product: Mortgage

I made my normally scheduled payment in the month of XXXX. I received a call from Pinnacle Financial Partners on XX/XX/2020 stating that I was late for my XXXX payment. While on the phone with the collections representative, I reviewed my bank account for activity. I confirmed the date of when my payment was received. The representative then informed my that my escrow payment had changed. The represent reviewed my account, and advised that a letter was sent to me on XX/XX/XXXX. I advised the representative that I didnt receive the letter, and asked her to review my account for a record of perfect payment history, as well as issues in the past of not receiving communications from Pinnacle Financial Partners ; she confirmed this information. I have no problem making the new payment, my issue with Pinnacle Family Partnership is that they are giving no leeway for reporting a late payment given my perfect payment history, the proven history ( via returned mail per USPS ) of not receiving their communication and numerous calls of complaints from me, and the fact it was the first month of the newly scheduled payment. One mailed letter informing a client of a new payment seems to be a deficiency of effort. The month of a newly scheduled payment should be given more scrutiny, and when someone sends the old scheduled payment amount, efforts of quicker communication with the client about a payment shortage should be made.
Product: Credit reporting, credit repair services, 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. 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 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, has violated my rights. Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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, credit repair services, or other personal consumer reports

someone tried to open a XXXX  XXXX credit card in my name on two occasions on XXXX of 2023
Product: Checking or savings account

I am writing to file a formal complaint against Bank of America regarding a blatant violation of the Electronic Fund Transfer Act ( EFTA ). The issue at hand pertains to the handling of a fraud claim totaling {$7400.00} on my account. 

I, XXXX XXXX, was unfortunately hospitalized for an extended period of three months and was oblivious to the unauthorized charges made through XXXX XXXX during this time. It is crucial to note that I do not possess a XXXX XXXX account and, therefore, could not have initiated or authorized the transactions in question. 

Despite the immediate cooperation and the submission of all necessary documents requested by Bank of America, the bank has openly admitted to breaking the EFTA federal regulation by failing to provide provisional credit within the mandated 10-business-day period.

This delay in the resolution process has not only caused undue financial hardship but has also demonstrated a clear disregard for the consumer protections established under the EFTA.I deserve a prompt and just resolution to this matter, including the timely issuance of provisional credit as stipulated by law. 

Enclosed with this complaint, you will find copies of all relevant documentation, including the hospitalization records, and any other pertinent evidence supporting our claim. 

I trust that the Consumer Financial Protection Bureau will thoroughly investigate this matter and take appropriate action against Bank of America for its failure to adhere to the EFTA regulations.

Thank you for your prompt attention to this serious matter.
Product: Credit card

I have had 4 dispute cases where USAA is refusing to investigate properly or respond to my inquiries. 

They are : XXXX XXXX XXXX XXXX I filed these dispute cases and supplied all evidence required, such as receipts, tracking numbers for returns, and descriptions. 

They sent letters requesting tracking numbers, which I had previously supplied, so I supplied them again ( see above ). They then said they were closing the dispute since the information was not provided ( this is false ). When I called USAA the representatives confirmed my confusion and stated that they had no idea why the dispute was closed when I supplied all the necessary information. They said someone would reach out to confirm any information. No one has reached out or probably ever will. 

I also sent multiple letters to their USAA Credit Card Reassert address with the required information, but they have still not responded not updated my cases. 

I now have no choice but to file with the XXXX  and the CFPB, and XXXX to try to plead my case. 

Note that XXXX has also closed my account and when they had the orders they split them into dozens of emails, preventing me from providing a proper receipt with the correct amount as listed in the charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax had a security breach. My information was stolen.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN A VICTIM OF IDENTITY THEFT I'M A DISABLE YOUNG MAN THAT HAS BEEN A VICTIM BY A UNKNOWN PERSON THAT IS ACTING AS THEY ARE ME THEY ARE OPINING FRAUDULENT ACCOUNTS UNDER MY NAME
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the fair credit reporting act XXXX account XXXX XXXX and capital one auto 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 15 U.S.C. 166b A Creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any reason.
Product: Credit reporting or other personal consumer reports

XX/XX/ To : Experian XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern : I received a copy of my Experian credit report, and noticed various INACCURATE late payments for four accounts. In addition, these accounts all appear under a wrong name XXXX XXXX XXXX. Therefore, the following accounts must be deleted immediately : XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX XXXX, DE XXXX, XXXX ) XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, WI XXXX, XXXX ) XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXXXXXX XXXX SD XXXX, no phone number XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX XXXX XXXX CA XXXX, XXXX XXXX First, the term accurate as per the Fair Credit Reporting Act ( FCRA ) is defined as a measure of value. For something to be considered inaccurate it has to be something that is not of value to me, and that is determined by I, the consumer. Therefore, these late payments are a defamation of my character are therefore INACCURATE and Experian is in violation of the Fair Credit Reporting Act ( FCRA ), otherwise known as 15 USC 1681.

Pursuant to 15 USC 1681a - Definitions ; rules of construction, but more specifically 15 USC 1681a ( 2 ) ( A ) ( i ), THE LAW CLEARLY STATES : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( C ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report Clearly, exclusion means something that is not supposed to be included. The law states that : transactions or experiences between the consumer and the person making the report are not supposed to be included in a consumer report, and this reported information was an EXPERIENCE of mine, therefore the information must be excluded and I demand these late payments be deleted immediately.

Also, I have a simple question you shouldnt have a problem answering : Did I give you written instructions to furnish this information related to me on my consumer report? Additionally, 15 USC 1681b ( 2 ) - permissible purposes of consumer reports, THE LAW CLEARLY STATES : ( 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 instructions of the consumer to whom it relates.

I have sustained defamation of my character, anxiety, stress, and loss of opportunities due to this information and I am demanding you delete the accounts referenced above from my consumer report, immediately because Experian is in violation of the FCRA or 15 USC 1681.

You have 7 days to respond upon receipt of this letter to delete the referenced items and send me a new letter notifying me that the information has been deleted from all consumer reporting agencies and also mail me a new copy of my report. 

SincerelyXXXX XXXX XXXX XXXXXXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Account name : XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information being reported on my credit report. In particular, the following items are incorrect and are adversely affecting my credit score : Account Name : XXXX Account Number : XXXX High Balance : {$420.00} Reason : I previously disputed this account stating : ''I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

Account Name : XXXX Account Number : XXXX High Balance : {$330.00} Reason : I previously disputed this account stating : ''I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

Account Name XXXX XXXX XXXX Account Number : XXXX Reason : I previously disputed this account stating : ''I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account. 

INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year> These items are either reported incorrectly or have already been resolved, and I ask that they be thoroughly investigated and corrected. I have already reached out to both the credit reporting agency and the data furnisher, but the issue persists. Ive attached supporting documentation and screenshots of my credit report to highlight the inaccuracies and support my claim. Please address this matter promptly and update my credit report with accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up XXXX to tell you that XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX TER XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX .... Balance XXXX - XXXX XXXX XXXX XXXX .... Balance : - XXXX XXXX ... XXXX XXXX : - XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX XXXX XXXX Balance : {$54.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

In accordance with the fair trading Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 692 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Mortgage

I have been struggling to make on-time mortgage payments to Standard Mortgage, my loan servicer since purchasing my home in 2009. The problem originated due to the COVID19 outbreak and was compounded by several other contributing factors such as I am employed in the XXXX industry and personal XXXXl issues. I have repeatedly contacted Standard Mortgage inquiring as to whether or not they have a COVID relief program granting home owners a forbearance on monthly loan payments. Every company representative I have spoken to has reiterated that Standard Mortgage DOES NOT have or participate in any such activities. I have offered to split my payments, one in week two and one before the billing cycle ends for the month, but they refuse to accept partial payments ; now I am falling behind on all of my other monthly bills. 

I have an XXXX  loan through Standard Mortgage which means it is backed by the Federal Government through HUD. After researching the Agency 's website, it is clear to me that Standard Mortgage is required to offer a COVID relief program granting home owners forbearance on their monthly payments. This is not the first time Standard Mortgage has refused to comply with HUD 's guidelines and I am in desperate need of assistance.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

XXXX XXXX XXXX XXXX XXXX XXXX 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: Consumer Loan

I pulled a copy of my credit report, and discovered an accurate reporting from Ford Credit. The account number is listed as XXXX. Date opened : XX/XX/XXXX. Balanced owed : {$1200.00}. 
I contacted Ford Credit disputing the item and they sent me a form letter back stating that they did not have verification that I was not the person in question. I have also disputed this with the credit bureaus, and it comes back as verified. 
The account was opened on XX/XX/XXXX, and I was not of legal credit borrowing age until XX/XX/XXXX. My name is XXXX, and my credit report has alias names listed as " XXXX ''. Notice that the XXXX in XXXX is inaccurate, and the middle name is completely different. 
My credit report also lists my social security number as ending in XXXX, but has " social security number variations '' listed as ending in XXXX and XXXX. The ONLY social security number I have ends in XXXX. 
Not only is this a closed account listing on my credit report, but there is also a judgement listed against me for the same account through XXXX County. 

I would greatly appreciate that this company remove this information from my credit reports, as it belongs to someone else.