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

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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
Product: Mortgage

On XX/XX/XXXX, I called Bank of America to apply for a home loan. I chose them because I am a customer, and they have my information and account statements. On XX/XX/XXXX, I received a pre-approval letter for an amount of {$260000.00}. From that moment, the service they provided was very poor. The agent, XXXX XXXX, did not answer my calls. I spent almost two weeks trying to contact him without success, but I continued looking for houses because I already had the pre-approval. 

Finally, I was able to contact him and informed him that I had found a house for {$230000.00}. He requested more documents, and from XX/XX/XXXX, the 30 days for the closing date of XX/XX/XXXX began. Communication improved because he was asking for documentation. Everything seemed to be going well until 10 days before the closing date. I provided the necessary documentation, and on XX/XX/XXXX, just 5 days before the agreed closing date in the contract, another person from Bank of America contacted me to say that I had not been approved because I had not worked for 12 consecutive months. They knew this information from the beginning. If that was the issue, they could have informed me earlier that I did not qualify, preventing me from wasting time and money. 

Now, I am going to lose {$5000.00} in earnest money because the contract states that I have up to 21 days to recover that money if my loan is denied. I will also lose the money I paid for the inspection, appraisal, survey, option period, and the documents already requested from the title company, totaling approximately {$5000.00}. All of this is due to the delay in evaluating my case. Denying a loan 5 days before the closing date is not correct ; it was a bad practice by the bank towards me. 
Additionally, I had to call persistently for them to send me the denial letter, and when I tried to file an internal complaint, the customer service was so bad that it seems my information was never documented
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, PA, XXXX,, XXXX : XXXX D.O.B : XX/XX/XXXX To Whom It May Concern : I am disturbed that you continue to list a dismissed ( filed ) bankruptcy as confirmed. I am aware that you receive your information from a third-party verification system known as a pacer system. This system is sometimes inaccurate because of the limitations of providing a complete Social Security number. Although it is your policy to keep reporting bankruptcy that is filed, dismissed, or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order for relief. '' Any case, civil or otherwise, which is dismissed, no longer exists in the eyes of the law, and a case filed may never have been adjudicated. You have no right to maintain information which the government has deemed non-existent. It is only fair that in accordance with section 1681 ( a ) ( S ) of the Fair Credit Reporting Act you delete this from my credit report and send me an updated copy.

Considering it does not require an investigation, I would appreciate your response within two weeks from the date you receive this letter. 
Sincerely, XXXX XXXX XXXX XXXX, all three credit bureaus have different information that is not accurate
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the debt referenced above, which you are attempting to collect on behalf of collections XXXX XXXX account # XXXX date opened XX/XX/XXXXXXXX XXXX XXXX XXXX account # XXXX date opened XX/XX/XXXXXXXX XXXX XXXX XXXX account # XXXX date opened XX/XX/XXXXXXXX XXXX XXXX XXXX account # XXXX XX/XX/XXXX I believe this debt is not mine and is a result of fraudulent activity. I request that you immediately investigate and remove all accounts related to this matter. 

Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute debts that I believe are incorrect or fraudulent. I have reviewed my records thoroughly and have no knowledge or recollection of any account associated with this debt. This appears to be a case of mistaken identity or fraud, and I demand a full investigation into this matter. 

Please take the following actions : Provide Documentation : I require that you provide written verification of this debt, including a copy of the original agreement or contract bearing my signature and any other relevant proof that this debt is legitimately mine. 

XXXX XXXX XXXX Efforts : I demand that all collection activities, including phone calls, letters, or any further communication regarding this debt, cease immediately until you can provide clear evidence that this debt belongs to me. 

Remove from Credit Report : If this account is being reported on my credit report, I request that it be removed immediately unless you can provide sufficient documentation to prove my responsibility for this debt. 

Failure to provide proper validation and evidence of this debt, or failure to remove this fraudulent account, will leave me no choice but to pursue legal action. If this matter is not resolved promptly and to my satisfaction, I will take appropriate steps, including filing a lawsuit for violations of my rights under the FDCPA and FCRA. Additionally, I will seek damages for any harm caused to my credit and any emotional distress caused by your collection efforts. 

I request a response within 30 days of receipt of this letter. Should you fail to validate this debt or remove it from my credit report, I will not hesitate to escalate this matter to the appropriate legal authorities, including the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. 

Please be advised that I am keeping a detailed record of all correspondence regarding this dispute and will take necessary legal action if required. I expect immediate attention to this matter.
Product: Credit card

I sent a payment of {$300.00} ( {$200.00} money order + {$100.00} personal check ) and it was received by the bank and credited to my credit card on XXXX/XXXX/15. I received the monthly statement showing the payment was received on time by Banco Popular de Puerto Rico. Also, it said no payment was needed next month because of good payment history. On XXXX/XXXX/15 the bank sent me a letter explaining the {$300.00} credited to my credit card was an error. The bank is alleging the {$300.00} were for a different account. So, they withdrew my payment and credited the {$300.00} to someone else credit card. The bank ends by saying all this will be reflected on your next month statement. This situation puts my account as no payment received, so the purchases I made ended up over drafting my credit card. The bank keeps calling me alleging that the payment was ''reverted '' when I asked them what that meant they say it had no funds. My check was chased and cleared by the bank and I doubt that a money order from XXXX XXXX had no funds. Even though they keep calling me, no one can explain clearly what happened, instead they keep asking me for a payment that I already made. Plus, in XXXX/XXXX/15 they received another payment I sent for {$100.00} and it was chased and clear by the bank without trouble. My complaint is that someone is going through all this trouble to steal my money, alleged that no minimum payment was received, charging me late fees, and ultimately affecting my credit report by over drafting an account that should be in good standing.
Product: Credit reporting

I received a consumers report # XXXX from Experian stating that XXXX XXXX Acct. XXXX ... would be deleted XX/XX/XXXX. The date of that report was XXXX XXXX, XXXX. I requested and received an updated report # XXXX dated XXXX XXXX, XXXX. On this report I notice that XXXX XXXX Acct # XXXX ... was not going to be deleted until XXXX, XXXX. I worked on establishing new credit and in XXXX, XXXX I disputed XXXX XXXX and other items on my credit. They did n't remove it saying I had made payments since then, I did n't understand and continue do n't understand. I disputed again in XXXX, XXXX they refused even look @ it again. This account is listed as closed, yet it is reported as late every month. There are XXXX other accounts that are closed and also being reported as late. I believe these account should be deleted already. Finally, what is so puzzling to me, is my fico score has been consistent for months between XXXX and on XXXX XXXX, XXXX my fico score went from XXXX to XXXX. On XXXX XXXX, XXXX my score dropped from XXXX to XXXX but nothing changed on my credit file. The only reason I can see it changed is that I canceled another Experian product around that time. Things that right on my credit file should stay, but things that are in question or in error should be removed. Thanks for consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is knowingly reporting false/inaccurate information due to identity theft on my credit report. The name attached to my file number is not mine. The addresses attached to my file not mine. The phone numbers attached to my file are not mine. Wrong names being reported. Inquiries that I did not authorize being reported. They are knowingly and willing breaking The Fair Credit Reporting Act in multiple violations pursuant to 15 U.S.C. 1681-1681. I want all accounts listed below deleted with 48 hours of this complaint being received. All items listed are fraudulent and inaccurate and Equifax is breaking the law.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : ACCOUNTS : XXXX. XXXX XXXX : Account number : XXXX XXXX. XXXX XXXX XXXX : Account number : XXXX XXXX. XXXX XXXX XXXX : Account number : XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

X/XX/17 I went to a car dealership to try and purchase a vehicle. After viewing my score on XXXX XXXX. The dealership pulled my Transunion score and it was 100 points different. Needless to say they declined me. I ordered my report direct from Transunion and it read XXXX different from the dealership XXXX. I then called Transunion and spoke to 2 customer service representatives and a manager who all said the dealership was pulling a different scoring model. And they had no control over that. I asked the dealership which model they pulled. Fico is what they pulled and Transunion said I was getting XXXX on a XXXX. I called Transunion back to ask how do I see my Fico report to make sure the information was mine and understand why my score is so low. Transunion representative said they only have the XXXX report. I can not believe I have no way of challenging this erroneous low score. This is dispare treatment.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX XXXX and XXXX appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This is the letter I sent describing my situation : I recently received a letter from " Merchants Credit Association '' saying that XXXX of my bills from XXXX XXXX XXXX XXXX went to collections. I never received these bills and they were never paid for by my insurance company. 

I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received. 

These item, : Account : XXXX Date : XXXX/XXXX/XXXX Payments : {$420.00} Account : XXXX Date : XXXX/XXXX/XXXX Amount : {$53.00} After digging around all day and speaking with someone from the XXXX XXXX XXXX billing department, I am still unaware of what the bills were for, as the billing person I spoke to ( XXXX ) had no information on the bills sent to collections and had little help to offer me. She basically told me that she could not help me. After speaking to her for some time, it was determined that the billing address you had on file for me at that time was the following : XXXX XXXX XXXX XXXX, WA XXXX, However, my mailing address has been the following since XXXX ( which can be seen in my attached credit report and Alaska XXXX reports since XXXX ) : XXXX XXXX XXXX XXXX, AK XXXX In addition, my insurance only had XXXX claim from XXXX XXXX XXXX from XXXX XXXX, dated XXXX/XXXX/XXXX. A copy of this claim is attached. As it turns out, the billing company not only had my incorrect billing address, but they also had my incorrect insurance information, none of which I knew about until yesterday when I opened my letter from Merchants Credit Association ( account number : XXXX ). 

I am requesting that the items be removed from my credit report ( which will also be contested to the Federal Credit Bureau ), correct the information, and rebilled to the correct insurance company ( XXXX, XXXX XXXX XXXX, XXXX XXXX, TX XXXX, PayorID XXXX ). I more than anything want this to be paid, but will not do so until I have the written assurance it will be removed from my credit report, as this was at the fault of the XXXX XXXX XXXX XXXX billing department and not mine. I have also filed a claim with the XXXX, which will be resolved once I have in writing that this has been taken care of. I am also requesting a detailed report of the services associated with the above dates.
Product: Credit reporting or other personal consumer reports

XXXX, TransUnion, XXXX, XXXX XXXX, XXXX XXXX are all in willful violation of FCRA 1681N due to discrimination practices and failing to closely monitor identity theft. I informed all of possible identity theft and three times my wallet was stolen with all my information including bank account numbers and social security cards. I reported this information to the above stated names but nothing was done. A fraudulent company requested my information to the above said names and not only did the companies above provide my information, the fraudulent company ( XXXX  XXXX XXXX XXXX ) accessed my account and added themselves as my place of employment.15 USC 1681B I did not get paid by the company and they have access to all my information. RHA behavioral health was also added right afterwards as my place of employment. I have security freeze on all three credit bureaus but other places of employment still accessed information. XXXX continues to charge me XXXX for being a member but I did not sign up for anything to be charged. I have so many hard inquiries from a dealership sending out multiple request for credit on my account. They also provide false information. My privacy rights have been violated and I demand something be done or I will start lawsuit. 18 USC 1028 please advise or assist.
Product: Credit reporting or other personal consumer reports

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within XXXX business days : ( XXXX ) Appropriate identity documentation ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the customer 's identification of the pertinent data ; and ( XXXX ) a customer declaration indicating that the data is unconnected to any transactions. 

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 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
Product: Credit reporting or other personal consumer reports

I am requesting the immediate removal of the unauthorized accounts from my credit report. I did not approve or initiate these accounts, and I am unaware of where they originated. Under USC 1681g, I ask that they be removed within XXXX days. The enclosed documents are provided for your detailed review.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I seen my credit report and seen late payment for the three months listed below ... 

XX/XX/2017 XX/XX/2017 XX/XX/2017 I recall making payments to CITI Bank, but not 30 days late. I have asked the credit bureaus to review this information to make sure it is right. I recently pulled my credit report again and the late payments are still showing on my credit report. No one had showed me that I was indeed 30 days late. I feel that my request has gone unheard.
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ) My XXXX XXXX Credit Card is not reporting on all 3 bureaus and it should be.

2 ) I have tried repeated times to get inquiries off of my report that I am not aware of. To make it worse some of those inquires show up multiple times on my credit reports on all 3 bureaus.

3 ) My XXXX XXXX Credit Card does not show up on my XXXX report but shows on XXXX & Experian.
Product: Debt collection

On XX/XX/2021 on or around XXXX XXXX  CST I was called by woman who when asked who was calling gave her ( alleged ) first name only even though the Caller ID shows " Merchants Crdt ''. I told them to stop calling this phone number. On XX/XX/2021 on or around XXXX XXXX  CST I was again called by " Merchants Crdt '' I repeatedly told them they were violating the law or laws by contacting me again after being instructed not to call me. The man continued to talk over me and say they were allowed to call all they want ( which is not true ) and that they would continue to call me. I repeatedly told them to stop calling me only to be ignored a second time. The person on the other end of the phone kept trying to get personally identifying information out of me even though I repeatedly told them I had already told them to stop calling and they need to stop calling he kept talking over me and I repeatedly told them to stop calling AGAIN. Debt collectors are supposed to stop calling when a person tells them to stop calling, not keep calling!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  and XXXX  are my two accounts that are with XXXX XXXX. These accounts went into collections with portfolio. Was told that when These accounts are paid in full they will do a tradeline deletion, this has not happened ... ... XXXX XXXX has been paid since XXXX of XXXX  and XXXX  since XXXX  0f XXXX, portfolio recovery stated that they send the letters to all 3 credit bureaus no tradeline deletion
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report :
Product: Credit reporting, credit repair services, or other personal consumer reports

YOU BROKE THE LAWI Pursuant to 15 usc 1681 ( a ) ( XXXX ) Your company assumed this role. You were not given express permission by me, the consumer or a competent court of jurisdiction. So, not only did you fail in the initial investigation of this information. You also assumed this role, and assumed this information was valid. Which is a violation of my consumer rights. 


Pursuant to 15 usc 1681 ( a ) ( XXXX ) - You did not ensure that this information is accurate, and you did not exercise your grave responsibility with fairness and impartiality. You took one side of the story, and never consulted with me to find out if this transaction even took place. As a result of this my privacy was breached, and this violated my right to privacy. 

Pursuant to 15 usc 1681 ( b ) ( XXXX ) You never had permissible purpose! I never instructed you to furnish this report and I never consented to this report in the first place! 


Delete these accounts immediately! unless you want to be held {$1000.00} per violation! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX