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

To Whom It May Concern XXXX  XXXX. XXXX XXXX XXXX, CA XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX   XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX Have enclosed a copy of two bills PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I have never lived here please remove these address from my credit file XXXX XXXX XXXX XXXX # XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Mortgage

My son in law XXXX and I put in a loan application with Citizens bank in XX/XX/XXXX with a rate of XXXX and no points. This is an unusual property and the bank did XXXX appraisals with value ranging from {$1.00} mil to {$670000.00}. The last XXXX came out on XX/XX/XXXX and although he told me the work was done a week later the bank kept saying they were sending the appraisal back because of errors. the bank accepted the appraisal on XX/XX/XXXX. the loan XXXX XXXX kept reassuring me that my lock was in place and I got an email from the bank saying the lock was good til XX/XX/XXXX. The bank kept asking for more trivial documents and letters and then asking me to sign the disclosure which they had n't sent. When it came the rate quoted was XXXX instead of the XXXX promised. When we objected XXXX said they would meet us halfway, but instead for every drop in interest they were adding points. When I complained, i was told the election had changed everything and the market was different now. 
My contention is that the bank 's endless obstructions and delays were to avoid paying the rate contracted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I can not get proper access to my report, or my dispute abilities. I do not have the proper access for proper monitoring, dispute ability online, or following dispute online. They have this sector blocked, and will not even give me a reason as to why. I want to be able to properly monitor my credit, and I want full access like everyone else gets! If they have a right to report, I have a right to access, and correct. I was advised I may want to pay for their XXXX a month service if I wanted to access my credit, but it still would not allow me to dispute, or monitor my credit.
Product: Debt collection

Grant Mercantile Agency has for as far back as XX/XX/XXXX and again on XX/XX/XXXX frauduently reported a dept being in collection status begining at {$1000.00} and now {$1200.00} They had none of my correct personal information on file until I contacted them not even a correct name. All they had was a mailing addess. They have been reporting this for years and have done no due diligence to see if they were assigning the debt to the right person. I have contacted them, they know that the debt is assigned to the wrong person and are not voluntarily removing the debt. I believe that makes it fraud at this point. It is possible that someone may have given false information to this creditor at the time of service, but it was not me and I have made them aware of that.
Product: Money transfer, virtual currency, or money service

Wells Fargo online banking was hacked, unauthorized wire transfer for XXXX was initiated, {$30.00} transfer fee added, for a total of {$650.00} stolen
Product: Credit reporting or other personal consumer reports

Recently, I discovered that incorrect information remains on my credit report, even after multiple disputes. Despite providing the necessary documentation, XXXX, Experian, and XXXX continue to verify this inaccurate information. I have attached evidence that clearly demonstrates the errors. This ongoing failure to correct the discrepancies is a violation of the Fair Credit Reporting Act ( FCRA ), particularly section 609 and section 623, which mandate that only accurate and verified data should be reported.

I am requesting that this inaccurate information be removed from my credit report immediately. The failure to update or delete this false information is not only unfair but also a violation of my rights under federal law. Please ensure this matter is corrected without further delay.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Complaint Details : I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Experian. I believe these late payments are erroneous and do not accurately reflect my payment history. 

Account name : XXXX XXXX Account number XXXX XXXX of the Complaint : XXXX. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
XXXX. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness. 
XXXX. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 
4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements. 

Requested Resolution : I request that Experian conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments. 
I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. 

Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian to let them know that they have changed my name on my account to my husband 's name. They advised me that my husband membership/account is his name and ssn, and his report, but my membership/account is under his name and date of birth, but my social security number. 

I am not sure how this mixed up happened. I can only imagine because we used the same computer to sign up for separate memberships with different email addresses, two days apart, but when I logged into my membership which I set up two days prior to his ( and it was under my name and date of birth at the time ) we have different login numbers as well ... so when I logged into mines today his name appears and my credit history appears. He logs into his, his name appears and his credit history appears.

So basically they have taken my identity and given it to him and now they are telling me I have to prove that they did that. I asked them can they please just track down what happened and reverse they advised me no. I would need to mail in proof of my own identity. So I am now being inconvenienced for their errors. The time I will need to take off of work to get this done ( going to get social security card, birth certificates, typing letter and mailing or faxing it off ), I will need to be reimbursed for. Additionally, I am trying to make a major purchase and now I have to wait 30-45 days for them to correct what they did in a few seconds.
Product: Credit reporting or other personal consumer reports

Multiple times I have requested that my non-public personal information and XXXX is any " personally identifiable financial information '' that a financial institution collects about an individual in connection with providing a financial product or service, to stop disclosing, to any and all non affiliate third parties. For example, Credit reporting Agencies, which are clearly by definition, non-affiliate third parties and qualify under the FCRA and the Dodd Frank Act for consumer privacy protection as non- affiliated third party. They have refused to stop disclosing and continue to violate my personal private information without my express written consent. Under the FCRA the Dodd Frank Act and the Privacy Act of 1974. This must stop immediately.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the late payment listed on my credit report. Upon careful review of the information, I believe there are inaccuracies that need to be addressed. 

XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX. 

Upon reviewing my credit report, I noticed discrepancies related to the reported late payments. I have always been committed to meeting my financial obligations promptly, and I believe there might be an error or misunderstanding in the reporting.
Product: Credit reporting or other personal consumer reports

I have sent out dispute letters regarding information on my credit report and they haven't even responded to me. This is unacceptable because I provided proof and I even called to confirm they received. I need these removed from my report please 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  Tracking numbers for dispute letters to all 3 bureaus. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : Account name : XXXX XXXX XXXX You are reporting this collection as an " OPEN ACCOUNT '' which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. 

Section 623 of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumer 's dispute that the furnished information is inaccurate or incomplete. 

Per the FTC WEBSITE ACCURACY When you provide information to a CRA, you have obligations under the FCRA to ensure the accuracy of the information you furnish. As a rule, its illegal to report information that you know or believe is inaccurate. You have " reasonable cause to believe '' that information is inaccurate if you have knowledge, other than allegations from the consumer, that would lead a reasonable person to doubt the accuracy of the information. FCRA Section 623 ( a ) ( 1 ) ( A ) Delinquent Accounts When you refer an account for collection and notify a CRA that you have done so, you also must report the date of delinquency to the CRA within 90 days. The date of delinquency is the month and year the consumer 's delinquency resulting in the referral began, see the examples below. FCRA 623 ( a ) ( 5 ) ( A ) the CRA must delete the disputed information from its files. FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 )
Product: Credit card or prepaid card

I made a purchase with a XXXX XXXX XXXX provided by Synchrony Bank. The terms of the account provided me with a 0 % interest rate subject to the account being paid off in full by the end of the promotional period. I made payments significantly in excess of the minimum amount each month and mailed a check on XX/XX/XXXX in the amount of {$550.00} followed by a subsequent electronic payment in the amount of {$100.00} to pay the account off in full. To date, Synchrony Bank has not cashed my check which resulted in them charging me over {$500.00} in interest on an initial purchase amount of approximately {$1700.00}. I am a XXXX XXXX professional working for XXXX XXXX beyond the stress associated with the impact of Covid on the workplace, I have personally battled XXXX and recoverd from a broken XXXX  in the last year. Candidly, I could have done without the added stress of a financial institution charging me a whopping retroactive 29.9 % interest charge despite the fact that I have paid this account religiously and paid it in full prior to the expiration date of the promotional offer. I have continued to make payments so that my credit is not negatively impacted but hope you can intervene to ensure that the excessive interest is credited back to my account. I am happy to share specifics with respect to my credit but I pay my bills on time.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX Debt Bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - IncorrectPersonal XXXX XXXX XXXX XXXX - XXXX XXXX - IncorrectPersonal XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX XXXX over XXXX has me at a score around XXXX. That is a huge difference. XXXX  paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made sure to make my payments on time for XXXXHARLEY DAVIDSON CR with the account number XXXX. This account should not have late payments statuses in my record. Make sure to provide me with any documentation about the late payments being done in the month indicated in the credit report.
Product: Mortgage

Dear Sir/MadamOn XX/XX/XXXX very late in the afternoon, I had a conversation with XXXX XXXX, a representative of Wells Fargo. Based on the conversation, she instructed me to submit a letter of employment in Georgia and a letter stated that the house was not rented XX/XX/XXXX/ The last XXXX documents will help my case before HUD for the modification. On XX/XX/XXXX I faxed the statement letter and my attorney sent the letter of Employment on XXXX. The same week, I received a phone called to submit new information. Then I knew the house was in foreclosure and the sale date was XXXX All my paper work was submitted before the sale date. I was in compliance with their demand. and an appeal form to cancel the sale was ignored. 
Since the sale, XXXX XXXX has requested the sale to be rescinded. While in the process, a real estate company came to the house and changed my locks, I have no access to the house right now. This is a wrongful eviction without any notice. All utilities are on, yard and bushes are cut, and the company can not say the house was vacant.. 
This action is the power of a bank which does not have check and balance. It is discrimination without regard to Federal and State Laws, Therefore, Wells Fargo ignored all laws that govern this country while I was waiting for an answer., It has been reported with proof that Wells Fargo foreclosed XXXX properties in Georgia by denying them due process. My case is one of them. I will retain a lawyer to pursue my case. 


Best Regards, XXXX XXXX % XXXX
Product: Debt collection

After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under Portfolio Recovery Associates. I requested a validation on XX/XX/XXXX as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me nor has any update been made on my credit report to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. As of XX/XX/XXXX I have not received the requested validation in a timely manner according to the Fair Debt Collections Practices Act and I do not believe this account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the accounts and the account continues to negatively affect me. Please strike and remove the account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XX/XX/2021 ; XXXX XX/XX/2021.
Product: Mortgage

On XX/XX/XXXX, I called Penny Mac Loan Service to make a payment, and I looked on the Penny Mac website and I noticed several dollar items under the 'Loan Activity ' which I knew nothing about, upon questioning the representative and she could not justify the extra dollar items.

I began to search the Penny Mac website and I copied down all 'PAYMENTS ' pertaining to my account, which I have attached the copies. Our original mortgage payment was {$3300.00} and on XX/XX/XXXX due the 'Supplement Property Taxes Payment ' the mortgage payment increased to {$3300.00}, and on XX/XX/XXXX the representative stated " that there will be {$300.00} monthly mortgage payment increase because of the 'property taxes ', I stated " our mortgage payment is a 'VA Fixed Loan XXXX XXXX So I called the U.S. Veterans Affair at ( XXXX ) XXXX and the representative told me to call Consumer Financial Protection at ( XXXX ) XXXX. If I had never research the Penny Mac website and noticed the extra dollar amounts that is on my account, I would not have known about these extra dollar amounts, and could have been losing our home. I'm a veteran and I need help! 

There have been late payments on this account, due to XXXX XXXX XXXX XXXX ( a veteran ), employed with the U.S. Postal Service, I only work 4-5 hour per day because of my 'on the job injury ', and I have to file a XXXX form for my remaining employment income which comes from the Department of Labor and can take anywhere from XXXX week, and this problem has caused my mortgage payment to be late. In the XXXX, my employment income has significantly decrease in the amount of {$3000.00} per month, due to an over payment of Worker 's Compensation Payment.