23daVinci/CFPB_Complaints huggingface dataset:
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 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MN XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX  XXXX Balance Owed : XXXX ; XXXX  XXXX XXXX Balance Owed : XXXX ; XXXX XXXX XXXX  XXXX Balance Owed XXXX {$710.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX XXXX XXXX Owed : {$510.00} ; XXXX  XXXX XXXX Balance Owed : {$53.00} ; XXXX XXXX Balance Owed : {$2.00} ; XXXX  XXXX Balance Owed : {$2100.00} ; XXXX XXXX XXXX XXXX Balance Owed XXXX {$710.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX, XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX I am writing to dispute a late payment reported on my credit report related to my auto loan account number [ # XXXX ]. This incorrect information is negatively impacting my credit score, and I believe it is inaccurate. 

According to the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681s-2 and 15 U.S. Code 1681i, you are required to correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Additionally, under the Truth in Lending Act ( TILA ), section 15 U.S. Code 1637 ( b ) outlines clear disclosure requirements for creditors to ensure that consumers receive adequate information regarding their payment obligations. Non-compliance with these provisions can result in inaccurate and harmful reporting for the consumer. 

I formally request a reinvestigation of my dispute and the correction of the inaccurate information related to this late payment. Enclosed are copies of relevant documents for your review. 

Details of the affected payment are as follows : DATE OF LATE PAYMENT:02/2023 DATE OF LATE PAYMENT XX/XX/XXXX DATE OF LATE PAYMENT XX/XX/XXXX DATE OF LATE PAYMENT XX/XX/XXXX If the necessary corrections are not made within 15 days of receiving this letter, I will file a formal complaint with the Consumer Financial Protection Bureau XXXX CFPB ) and consider other legal actions necessary to protect my rights. 

I expect to receive written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : XX/XX/XXXX SSN : XXXX
Product: Credit reporting or other personal consumer reports

I've disputed the payment reporting information on the same four accounts that are currently reporting on XXXX, Equifax, and XXXX. Just to have all three reporting companies come back with the information being verified as correct. How is this possible if all none of the payment history is consistent across all three credit reporting agencies? I am now seeking arbitration for improper use and reporting of inaccurate information on my credit report. This is proof of a direct violation of the FCRA from all three bureaus. There is no need for me to list a bunch of rights that have you have willfully violated by falsely stating that proper investigation took place. If this were true then all reported information should match up with the same information. The attached documents for each account will show different dates for the first reported payments, last reported payments, payments that reported as on-time but showing as late for the same month and year on other credit reports, etc. All three credit bureaus have not been able to validate the accurate on-time and late payment information but still claim to have done so. In previous disputes, requests for how the information was verified for these same accounts were never turned over to me as I requested. It is obvious that these accounts were never properly investigated. 
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
Product: Credit card or prepaid card

I have a serious problem with AAFES credit card, called Military Star. I obtained credit card and was making payments without any problems. I lived in XXXX   at the time and since then, moved to XXXX. I traveled to a navy base in XXXX in order to continue making payments. My account does not show on their system. I called AAFES in XXXX, and they said, i had to send them a letter via mail. After I did that, I was told the account did not exist. 
So, a year later, I have not being able to pay my card because it would not be accredited, nothing else was mailed to me and suddenly, on my XXXX report only, AAFES reported my account as charged off for lack of payment. 

The system at AAFES continues to not recognized my name and social security number. They say that the number is the one I used at beginning and in XXXX, but I still can not find it on their system and is impossible to pay.
Product: Mortgage

Subject : A Warning Regarding My Experience with NVR Mortgage and XXXX XXXX I want to share an experience I had with NVR Mortgage, which is associated with XXXX XXXX, to provide insight for anyone considering working with them. 

Recently, while pursuing the purchase of a home in the XXXX XXXX XXXX XXXX XXXX XXXX, NC, I encountered a concerning situation. The lending XXXX assigned to my case, XXXX, expressed interest in purchasing a home in the same community. This led to significant delays in my application process, ultimately leaving me feeling disregarded as a prospective buyer. 

Timeline of Events : Initial Visit to XXXX XXXX XXXX XXXX, XXXX : My family and I visited the XXXX XXXX community to view the XXXX and XXXX models. We decided to pursue the XXXX home, with a completion date set for XX/XX/XXXX. During our meeting with XXXX, the on-site agent, she mentioned that XXXX, the XXXX lending officer, had expressed interest in the community and had recently ( same day as our meeting ) been in contact with her. Although this raised initial concerns, I was assured by XXXX. of XXXX professionalism. 

Delayed Communication : After reconnecting with XXXX. in XX/XX/XXXX to express interest in the XXXX XXXX XXXX, I experienced multiple delays in communication. My initial email was not acknowledged until five days later, at which point I was provided the wrong application link. Even after submitting the correct application, follow-ups with A.R. were sporadic. 

Concerns About Conflict of Interest : During a conversation to discuss numbers ( rate, mortgage, etc. ) with XXXX, he disclosed that he was personally interested in a home within XXXX XXXX, though he assured me it was not the XXXX model I was pursuing. Despite this reassurance, the process became increasingly opaque. 

Unanswered Questions and XXXX XXXX : Communication with both XXXX. and XXXX. abruptly ceased on XXXX XXXX. On XX/XX/XXXX, I noticed on the XXXX XXXX website that the XXXX home was no longer available and that the community had been closed. Neither A.R. nor XXXX. provided any update or explanation. 

Reflection on the Process : As a first-time homebuyer, this experience has been deeply frustrating and disappointing. The lack of transparency, professionalism, and accountability, combined with the potential conflict of interest, has left me questioning the integrity of NVR Mortgage and their affiliated agents. 

Why XXXX Sharing This : This account is not only a reflection of my personal experience but also a warning for others considering NVR Mortgage or XXXX XXXX. I urge potential buyers to approach with caution, ask thorough questions, and ensure that conflicts of interest are addressed upfront. 

While I am considering reporting this matter to the appropriate licensing authorities, I also hope that NVR Mortgage and XXXX XXXX take steps to ensure more ethical practices moving forward. First-time homebuyers deserve respect, transparency, and fairness throughout the process. 

Sincerely, V
Product: Credit reporting or other personal consumer reports

Legal Basis for Dispute : " Re-aging '' a debt involves illegally resetting the date of first delinquency to make it appear as a new debt, thus extending its time on a credit report. This is prohibited under the FCRA, which mandates that negative information can only be reported for a certain period ( typically seven years from the date of first delinquency ). 

Right to Privacy and Confidentiality ( 15 U.S.C. 1681 Section 602 ( a ) ) : Under this section, I am entitled to privacy and confidentiality regarding my personal financial information. The actions of XXXX XXXX XXXX XXXX in reporting or handling my account may have violated these rights.

Unauthorized Disclosure ( 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) ) : This provision requires that a consumer reporting agency can not furnish a consumer report without my written instructions. If XXXX XXXX XXXX XXXX provided information about my account without my explicit consent, this would constitute a violation of my rights under the FCRA. 

Reporting of Obsolete Information ( 15 U.S.C. 1681c ( a ) ( 5 ) ) : The FCRA prohibits consumer reporting agencies from including adverse information that is more than seven years old ( except for criminal convictions ). If any outdated or obsolete information has been reported, it should be removed immediately. 

Duty to Provide Accurate Information ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ) : XXXX XXXX XXXX XXXX is prohibited from furnishing information to consumer reporting agencies that they know or reasonably should know is inaccurate. Any inaccuracies in the reported information must be corrected promptly.
Product: Mortgage

Good Afternoon, Since the initial mortgage payment, Caliber has repeatedly confirmed that they were applying my payment to another address. I emailed the loan officer XXXX XXXX, forwarded the emails received from Caliber stating they had received my payment but were applying my payment to a address that is not my own. Emails and repeated calls to customer service has yet to rectify this situation.
Product: Credit reporting

My XXXX daughter is being solicited by credit card companies, and I am being told that I have to put a freeze on her credit files " if she has any '' ( which no one can tell me as no one has access to such ). " THE PROCESS '' is that I have to send confidential copies of her social security card, birth certificate, and a copy of my license with my address. I do not understand how as the guardian of my XXXX daughter I can not do this on the phone or online. Sending this information in the mail is the most insecure thing I can think of. Someone getting their hands on this would have all the information needed to falsify records and open false accounts, which is exactly what I am trying to prevent. I need assistance against the XXXX credit bureaus Equifax, XXXX, and XXXX.
Product: Credit reporting or other personal consumer reports

After receiving my credit report, I noticed an another extremely high number of unauthorized inquiries on my credit report. Which I have not giving any consent to. This is a violation of my privacy as well as ruining my reputation. It has been very difficult for me and my family and has put a lot of stress on me not being able to get approve for a mortgage I recently applied for. Its seeming to be XXXX and its agents are being unfair and partial, nor have I giving any under 15USC 1681b they had no permissible purpose. I have not given XXXX any order to furnish these reports and I have never consent to these reports in the beginning. This would be considered identity theft. I have reached out and spoke with a fraud specialist at XXXX where we spent over an hour disputing these inquiries. I would like to request these inquiries be removed and requesting your assistance thats there is a proper investigation. These reports are impacting me negatively which makes it extremely hard to get housing for me and my family. I would also like to request proof of any written authorization XXXX has received from these creditors showing that I have made consent to these authorizations and that they investigate in good faith. I will attach a copy of the laws that XXXX will be in violation of below. 15 U.S. Code 1681b ,15 U.S. Code 1681c2, 15 U.S. Code 1681d, 15 U.S. Code 1681e, 15 U.S. Code 1681i, 15 U.S. Code 1681n, 15 U.S. Code 1681q, 15 U.S. Code 1681s. 

Also, I spoke to a fraud agent and disputed accounts that are reporting inaccurate information and seeming to be fraudulent as well. I would also like your assistance that this account is validated correctly. 

" Letter to XXXX '' According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), federal law requires you to verify - through the physical verification of the original signed consumer contract - all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 



This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay these debts. 

Please provide me with the following : What the money say I owe is for : Explain and show me how these were calculated what say I owe : Provide me with copies of any papers that show I agreed to pay these debts that these companies say I owe with my signature : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me that any debt collector asking me to pay a debt are licensed to collect in my state New York : If there is any question or additional information needed feel free to reach out me Sincerely, XXXX XXXX Void where prohibited by law.
Product: Checking or savings account

XXXX XXXX 2019 This is a reply to Key Banks letter sent on XXXX XXXX 2019 and second complaint as well as the answer to their letter dated. 
I opened my Promotional {$500.00} Checking account with KeyBank on XXXX XXXX 2019 as required by the attached documentation and expiration date of XXXX XXXX 2019 as stated on the document. 
When I heard other customers, who opened there account through the same online portal received the promotion code for a {$300.00} I Immediately got on the phone to make sure my promotional code was correct for the {$500.00} Code XXXX. 
At that time I was even less pleased to find out found out it was not for the {$500.00}, but also not for the {$300.00} but {$200.00} Promotional code and told them at the time I had clicked on the {$500.00} promo with the correct code of XXXX as well as the online document published at the time, they acknowledged the correct code for the {$500.00} promo was XXXX but could not change it in their system. 
I was given several numbers to call and correct this amount again from {$200.00} to {$500.00} and finally told to stop in the local branch and show them the promotion and they can simply change the code. 
When I stopped in the XXXX XXXX branch and talked with Ms. XXXX XXXX she would have to do some research because she could not change the code as well and returned my call and said I would have to come back in the branch and close my account and re-open with the correct code. When I arrived, I was told it was past the date for the {$500.00} promotion I would not be allowed that promotion even though I had a copy of their website of the {$500.00} promotion with the correct code, and again I opened my account again on XXXX XXXX 2019 as required. I do have the information and did have it on hand at the time when I went into the branch and its not from a second party the promo code is correct and so is the article and code when I showed Ms. XXXX. 
I disagreed with her, as it again was not my fault that I had to go through this all over again only to still not qualify for the correct promotional checking account the reason for the first complaint. 
On XXXX XXXX 2019 I received a letter from XXXX XXXX KeyCorp Executive Offices OH XXXX XXXX XXXX Ohio License number XXXX XXXX XXXX, XXXX, OH XXXX which kept referring to a {$300.00} promotional checking even when all along I had the correct code for the {$500.00} XXXX and offer letter online. The document attached as well as the promo code is Key Banks {$500.00} promotional code. 
Should you have any questions, please feel free to contact me at the email address on the first page. 
Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute of an item on my credit report, they reported it as a valid debt. When I called the number of who they said holds the debt, the company told me there is no debt on their file. I resubmitted the challenge and they again asserted it is valid, but the company still says it is not in their system. So I have no way to settle the debt, nor remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

HELLO, MY NAME IS XXXX XXXX, A FEDERALLY PROTECTED CONSUMER. I AM A VICTIM OF IDENTITY THEFT BY A GUY I WAS DATING. I SHOULD'VE KNOWN HE WAS UP TO NO GOOD WHEN BEING THAT HE WAS SO QUICK TO STOP TALKING TO ME FOR NO REASON. I NEVER USE MY CREDIT BUT I TOOK A LOOK AT MY CREDIT REPORT AND NOTICED THERE IS SOME FRUADULENT INFORMATION ON MY FILE THAT NEEDS TO BE BLOCKED WITHIN THE NEXT 4 DAYS. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX, XXXX XXXX, FRAUDULENT ADDRESS : XXXX XXXX XXXX XXXX NV XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I PULLED A RECENT CREDIT REPORT AND IM STILL FINDING FRAUDULANT ACCOUNTS SHOWING UP ON MY CREDIT REPORT. THESE FRAUDULANT NEGATIVE ACCOUNTS ARE HURTING MY CREDIT PROFILE TREMENDOUSLY AND HINDERING ME FROM APPLYING FOR CREDIT. INACCURATE REPORTING IS ILLEGAL AND I HAVE DISPUTED THIS MULTIPLE TIMES. I WOULD LIKE FOR ALL NEGATIVE FRAUDULANT ACCOUNTS TO BE DELTETED ASAP. I DESERVE 100 % ACCURACY FROM THE XXXX XXXX XXXX NOT A COMPUTER GENERATED OR DATA BREACH REPORTING FROM ANY XXXX. INCLUDED WITH THIS MESSAGE IS MY MOST RECENT CREDIT REPORT FROM XXXX XXXX XXXX PLEASE LOOK AT THE INACCURACIES AND FRUADULANT ACCOUNT NUMBERS AND HOW THEY ARE REPORTING. AGAIN I KINDLY ASK FOR THESE ACCOUNTS BE DELETED/REMOVE FROM MY CREDIT REPORT AND UPDATE MY NAME TO ONE NAME, ADDRESS, AS SEEN ON MY XXXX ID.
Product: Debt collection

An account was fraudulently opened in XX/XX/2021, in my name, from XXXX XXXX XXXX XXXX TX. The amount accrued is {$11000.00}. The account is for a rental house in Texas, where I don't live. After receiving no payment, the debt went to collections and then placed on my credit file. I am in the process of filing a police report and having this situation resolved.
Product: Credit reporting or other personal consumer reports

I sent a dispute to EQIFAX, XXXX, and XXXX about a company named XXXX XXXX XXXX that was reporting on my credit account. I have no knowledge of this account. I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. I want this deleted from my credit profile and never return.
Product: Debt collection

I do owed a pay day loan they been harassing went to my mom house and when I talk to them said I do n't pay this amount we will at go to your employment I do n't want to pay a company money that a scam and threatening me I want to make sure it going to that company
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 Equifax today forced me to enroll in their XXXX XXXX program as a condition of being able to log in to my existing account. 

This is a change from before, where I could manage my account online without this condition. They also didn't sufficiently describe this process, but I do lose 6 free credit reports. 

I called to ask them to remove me from the XXXX XXXX program and was told that I would then lose online account altogether. This was also not disclosed when I was automatically enrolled in the XXXX XXXX program.
Product: Debt collection

The aforementioned credit collection agency representing whomever your Client is has  violated the FCRA by not providing documents to me in regards to this debt. 
I am unaware of this creditor and have not received anything that pertains to this debt. 
This account is unverified and immediately needs to be deleted from my all credit files : Transunion. The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If XXXX XXXX does not have any documentation other than a bill that they printed, they need to retract this from my credit file immediately