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

To whom this may concern, I have already contacted ( XXXX XXXX XXXX XXXX  ), the entity responsible for the inquiry, and requested the removal of their credit inquiry from my credit profile. Additionally, I urged them to cease their illegal activities. However, I have not received any response from their office despite more than XXXX business days passing since I sent the letter. They have failed to comply with my request. 

Therefore, I am seeking your assistance in resolving this matter. Under the Fair Credit Reporting Act, I kindly request that you initiate an immediate investigation into this inquiry on my credit report in order to identify the party who authorized it. If, after completing your investigation, you find my claim to be valid, please eliminate the unauthorized inquiry from my credit report and send me an updated copy of my credit report to the address provided above. In the event that you determine the inquiry in question to be legitimate, I request that you furnish me with a detailed explanation of the procedures employed during your investigation within XXXX business days of its completion.
Product: Money transfer, virtual currency, or money service

On Tuesday, XX/XX/XXXX, I went to my local Bank of America drive-thru ATM. I had {$3000.00} on hand in XXXX dollar-bills. I inserted all XXXX bills, or some of which as the ATM kept spitting out the bills. 

By the end I was able to insert XX/XX/XXXX bills successfully however, only {$1400.00} was reflected to be deposited. This ATM took {$1500.00} from me. 

Ive had past issues with this ATM {$40.00} was taken in a deposit at that same ATM this past Summer! That {$40.00} was credited back. However after submitting a claim, that {$1500.00} has not been returned!
Product: Credit reporting or other personal consumer reports

'I disputed information on my credit report and asked for a reinvestigation on the XXXX XXXX XXXX account back in XXXX to validate the debt, the information is still on my report. They are reporting information on my report of an account being charged off and sold to another company, but they have not provided me with the new company information. There is a partial account number that can not be verified. They have failed to provide me with information showing what information they used to confirm that the debt belongs to me, they just keep the information reporting on my credit report. My rights have been violated and I have been impacted negatively because of this. According to the FCRA 1681 ( e ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

( c ) Disclosure of consumer reports by users allowed A consumer reporting agency may not prohibit a user of a consumer report furnished by the agency on a consumer from disclosing the contents of the report to the consumer, if adverse action against the consumer has been taken by the user based in whole or in part on the report. 

They have not followed these laws but they are reporting this account on my report.
Product: Credit reporting or other personal consumer reports

My Social Security Number was included in a recent major Data Breach. I pulled my Credit Reports from Experian, XXXX and XXXX, and found inaccuracies on each report. 

I sent a Dispute Letter to Experian via Certified Mail on XX/XX/XXXX, which was received on XX/XX/XXXX. Experian did not PROPERLY INVESTIGATE AND VALIDATE the Disputed Accounts, as they began sending me updates on XX/XX/XXXX. All the Investigation Results state " The INCORRECT account information will remain on your report ''. 

Since Experian admits the Disputed Information is INCORRECT, but refuses to correct or remove it from my Credit Report, Experian has violated my rights under THE FAIR DEBT COLLECTION PRACTICES ACT 15 USC 1692g, THE FAIR DEBT REPORTING ACT, HAS DEFAMED MY CHARACTER, as well as willfully denied me access to Goods and Services, Housing and Employment.

I believe all these Accounts with admittedly INCORRECT information should be DELETED from my Credit Report immediately. Thank you in advance for your assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX  XXXX Balance : {$55.00} XXXX XXXX  XXXX Balance : {$25.00} XXXX  XXXX  XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$180.00} XXXX  XXXX XXXX Balance : {$15.00} XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX  - XXXX - XX/XX/XXXX - {$1300.00} XXXX/XXXX  - XXXX - XX/XX/XXXX - {$260.00} XXXX  XXXX  - XXXX - XX/XX/XXXX - {$900.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$6600.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$2500.00}
Product: Credit reporting or other personal consumer reports

I sent a letter to the CFO of XXXX XXXX XXXX. XXXX XXXX, and CFO of XXXX XXXX XXXX XXXX XXXX XXXX XXXX as per the XXXX SEC filings ; requesting my information is no longer be shared with third parties without my expressed consent in writing. I informed Equifax, XXXX, and XXXX that I have chosen to exercise my right as per the privacy act of 1974, which went uncontested with XXXX and XXXX XXXX XXXX XXXX, and they are yet to update the account. In addition to that I informed the representatives of Equifax, XXXX, and XXXX that as per the IRS publication XXXX certificates of indebtedness are deemed as income and income is not to be furnished on a credit report. I've uploaded the letters that were sent to both XXXX XXXX XXXX XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX, XXXX ) was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. 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 reported in ( MONTHS REPORTING LATE ) to be removed. 

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. 


( XXXX, XXXX ) 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! 

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

15 USC 1692c ( c ) THIS LAW CLEARLY STATES If a consumer notifies a debt collector that the consumer refuse to pay a debt, the debt collector must cease all communication. Reporting to my consumer report is a form of communication, which is in clear violation for this company and the continue calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is ridiculous how unfair the reporting process is. When you create debt it appears within days on your credit report. When you pay it off XXXX XXXX and Equifax fail to ever update it even after several disputes. They should call it the Unfair Credit Reporting Act.
Product: Mortgage

My loan got put into a review for a loss mitigation option on XX/XX/scrub>XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
However, we have maintained XXXX doing better and I work full time steadily now but I just need assistance to catch up. 
I was advised I could be eligible for a Flex modification. 
Since Ive asked to go into review for a loss mitigation, Ive received incorrect information multiple times, asked to send in an application when I didnt need to and on recorded line have been informed there were errors made by Mr . Cooper and that is what is causing the delay in the Flex modification review. It is now XX/XX/XXXXXXXX XXXX and my loan is still in review with no accurate answers. 
Ive received demand letters though from Mr. Cooper. 
This has affected my health, Ive emailed and called multiple times with no answer or resolution.
Product: Credit reporting or other personal consumer reports

Vance Huffman listed a collection amount for XXXX. I never had a contract with or owed Vance Huffman for XXXX. I asked for proof that I contracted with them or owed them, they never provided it but continue to report on on credit as if I owed them or contracted with them.
Product: Vehicle loan or lease

This is to inform you that Ive recently pulled my credit report and noticed that there is a collection from your agency on my credit report. I have never been notified of this collection. However, this letter does not imply that I refuse to pay this debt. Rather, I would like to dispute your claim. 
As per the FDCPA, I have the right to request a validation of this debt. I request you prove that I am indeed the party who is by contract obligated to pay off this debt. 
I hope you are aware that reporting any invalidated information to major credit bureaus may constitute defamation of character, as negative listings on a credit report does not allow me to enjoy the benefits of good credit. In addition, until you validate this debt you can neither continue your collection activities, nor report this information on my credit report. I am sure that your legal staff will agree that non-compliance with this request is likely to put your company in serious legal trouble with the Federal Trade Commission ( FTC ) and other state/federal agencies. 
Please attach copies of the following documents : Agreement with your client that authorizes you to collect on this alleged debt. ( Copy of the Assignment Contract ) Agreement that bears the signature of the alleged debtor wherein he/she promises to pay the creditor. 
Complete payment history ( please include the final payment made on this account ) on this account to prove that the debt amount you wish to collect is correct. 
Have you determined that the debt is within the statute of limitations applicable to it? Please provide the statute of limitation expiration date for this debt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX {$5400.00} - No knowledge of this account.
Product: Mortgage

Hello, I originally contacted AmeriSave Mortgage Corporation on XX/XX/2020 to arrange for a refinance of my current mortgage. That was 177 days ago and I have received numerous Closing Disclosures from them but no arrangements have been made to close the loan. I have a minimum of {$500.00} invested with them as an application fee, however, I had to pay other fees that bring the total up to more like {$800.00}. I have been communicating via phone and email with either XXXX XXXX XXXX XXXX XXXX XXXX ) the loan originator or XXXX XXXX ( XXXX XXXX ) the processor. The bottom line is that the lender is not performing. Attached is my latest Closing Disclosure.
Product: Student loan

I was a co-maker on the student loan with my son, XXXX XXXX. In XXXX 2015, I refinanced my home to pay of this loan in the amount of {$97000.00}. 
On XXXX/XXXX/2015, the loan statement sent by ACS gave a loan balance of {$96.00}, XXXX. I made a payment on XXXX/XXXX/2015 in the amount of {$97.00}, XXXX on this loan having refinanced my home. I now have received several calls ( XXXX 2015 and into XXXX XXXX, 2015 ) and bills dated XXXX/XXXX/15 ) stating I owe {$530.00}. In my many conversations with the representatives, I have asked for a detailed explanation of why I still owe this amount. I am very confused because the amount due on XXXX/XXXX/15 was {$96000.00} and payment of the loan through escrow on XXXX/XXXX/15 was {$97000.00}. Please help!!
Product: Credit reporting or other personal consumer reports

This is my first request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Balance Owed : {$6100.00} XXXX XXXX Balance Owed : {$550.00} XXXX XXXX XXXX Balance Owed : {$360.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a complaint through the CFPB twice before regarding the same issue and TransUnion has failed to address the sole issue both times. 

Issue that needs to be addressed : TransUnion has been unable to provide a copy of the same credit report that was pulled by my insurance company on XX/XX/2020. 

Per their last response, the following are all things they brought up that are not relevant to my complaint : " Keep in mind, insurance companies may have access to other insurance company inquiries '' " Certain collection companies may have access to other collection company inquiries '' " Users of a report for employment purposes may have access to other employment inquiries '' " You will need to contact your insurance company directly for the specific reasons why your premium increased based on their review '' " TransUnion does not grant or deny credit. '' " Therefore, we are unable to take a dispute regarding a credit score as the score is based on items reporting to the credit file. '' " In addition, there are many different scoring models that a creditor may have used to determine the consumer 's credit worthiness. '' " It is possible Transunion 's score may differ from another source 's score. '' " You will need to contact the lender directly for more details regarding the scoring model they used. '' " For more information regarding the score, please visit our website https : //www.transunion.com/credit-score A score is a statistical tool used by some creditors to evaluate information associated with extending credit to a particular consumer. '' " Risk is predicted by means of a scorecard, which calculates the numeric value, or score, for each credit applicant or account holder. " " The score is calculated as a result of data processing activities performed by TransUnion for a creditor after the credit report is assessed, based on statistical analysis. A score is not part of your credit report, and is not calculated for all creditors. Scores are calculated only upon the request of a creditor inquiring on your credit report. TransUnion does not make credit decisions, and does not maintain information on how a specific creditor uses a score. '' " You can contact the creditor directly to discuss how your score was used. As the information in your credit report changes, the score will change. Credit history information in your credit report, including the number of inquiries, outstanding balances, number of accounts, age of accounts, etc., is considered when calculating the score. '' NONE of these factors address my sole concern : Obtaining a copy of the same credit report that was provided to my insurance company on XX/XX/2020. I am asking for a copy of this report. 

Please see CFPB complaints : XXXX & XXXX for additional information.
Product: Credit card

Charge off without being sent 1099c I have been working with a debt resolution team. Though we've consistently tried to resolve the debt. It was still charged off XX/XX/year> and I have not received a 1099-c and still have delinquency marks every month on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent three initial disputes to this bureau and nothing has been updated. I submitted with proof of payment. I submitted all of this to continously get that they investigated even witih factual proof provided. I would like this removed and deleted from my report, for inaccuracies. 
" In Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet,  Equifax, et al, the courts ruled in each of these cases that the CRAs could not merely " parrot '' back the same creditor information which the CRA already had in its files. The courts ruled that the CRAs had to conduct an independent REASONABLE investigation to ensure the validity of the information along with the honesty and integrity of the creditor or CA in question. '' XXXX, XXXX, XXXX, XXXX XXXX XXXX. ALL REPORTING INACCURATELY.
Product: Checking or savings account

My brother try to deposit his check in my account once through my banking mobile app and at the Atm. The check is in his name it was XXXX. Ive been a BOA customer over 20 years with weekly and by weekly payroll deposit. Ive built history and a relationship with BOA. For me to jeopardize my account is ludicrous. I dont think its right all four of my accounts be forced closed. I would like this matter looked in to. This is damaging to my life and very stressful XXXX XXXX  and XXXX  make it hard to open a bank account. I would like to re-open a new account with BOA.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. State 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 an 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 cremes 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

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : AN # XXXX XX/XX/20XXXX XXXX XXXXXXXX XXXX XX/XX/2021
Product: Credit reporting or other personal consumer reports

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 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. I looked at my Equifax credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are not supposed to 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

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. 

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. 

Names : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. The Correction is : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX