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

1. XXXX XXXX XXXX Collections Account # XXXX My report is showing collections, and I have not had a contract with this organization VERIFY account and provide names of personal you spoke with, addresses where spoken party is located, phone number of person you spoke with as well as all signed documentations with my original signature. Transunion and Equifax do not show this information on this account. 
2. XXXX XXXX XXXX Account # XXXX My report is showing collections, and I have not had a contract with this organization VERIFY account and provide names of personal you spoke with, addresses where spoken party is located, phone number of person you spoke with as well as all signed documentations with my original signature. Transunion and Equifax do not show this information on this account. 
3.XXXX XXXXXXXX XXXX Account XXXX XXXX My report is showing collections, and I have not had a contract with this organization VERIFY account and provide names of personal you spoke with, addresses where spoken party is located, phone number of person you spoke with as well as all signed documentations with my original signature. Transunion and Equifax do not show this information on this account 4. XXXX XXXX Account # XXXX My report is showing collections, and I have not had a contract with this organization VERIFY account and provide names of personal you spoke with, addresses where spoken party is located, phone number of person you spoke with as well as all signed documentations with my original signature. Transunion and Equifax do not show this information on this account 5. XXXX XXXX XXXX Account # XXXX My report is showing collections, and I have not had a contract with this organization VERIFY account and provide names of personal you spoke with, addresses where spoken party is located, phone number of person you spoke with as well as all signed documentations with my original signature. Transunion and Equifax do not show this information on this account In accordance with the law mentioned above, I request that you provide all documents with my signature ( to include any and all contracts and payments ), method of verification, name and phone number of personnel you spoke with. Please include a copy of my updated credit report once the inaccuracies have been corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent dispute letters to Transunion, XXXX and XXXX several times. This is unlawful for these credit agencies to continue reporting inaccurate information on your credit reports. This is affecting my life. They are not verifying the information. Even after, I sent a snippet and explained the inaccuracy. This is not right or fair to the consumer. 

In accordance with the FCRA, XXXX XXXX  has violated my rights. The initial collector XXXX XXXX violated my rights. The collection was removed from Transunion and never appeared on XXXX. Now the account has been sold to XXXX XXXX  and the collection has reappeared on all bureaus with inaccurate information. This has taken my score down over 20 points.

15 USC 1681 602 A states I have the right to privacy.

15 USC 1681 604 A ( 2 ) states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681e ( b ) Compliance and procedures ( 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.
Product: Credit reporting or other personal consumer reports

There was a charge of {$240.00} to my Barclay 's card which I considered fraudulent. To my surprise Barclay wrote off the card, and even after I paid them the full amount, they refused to remove the derogatory mark from my credit report. 

After filing a dispute through XXXX, instead of removing the remark they suddenly changed the write-off amount to {$11.00} dollars, and now my credit report still suffers because of their poor book keeping and honestly, just general laziness.
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 accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXXXXXX XXXX XXXXXXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$11000.00}
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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8500.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, XXXX5 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} -This is not my account. 


-- XXXX ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of an account by XXXX XXXX  with account number XXXX on my credit report. The account contains multiple inaccuracies, specifically reporting late payments that are false or unverifiable. These errors are negatively impacting my credit score and constitute a violation of my rights under the Fair Credit Reporting Act ( FCRA ). Account Details : Creditor Name : XXXX XXXX  Account Number : XXXX Specific Errors : This account reflects multiple late payments that are incorrect or unverifiable, which violates the legal standards for accuracy and reliability of credit reporting. I have not received valid proof or notification from the creditor regarding these alleged delinquencies. Legal Basis for My Request : 1. Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 : Under the FCRA, all information included in a credit report must be accurate, verifiable, and complete. The reported late payments fail to meet these standards. 2. Section 611 of the FCRA - 15 U.S.C. 1681i : When a consumer disputes the accuracy of an account, credit reporting agencies must investigate and correct or delete the information within a maximum of 30 days if it can not be verified. 3. Section 623 of the FCRA - 15 U.S.C. 1681s-2 : Data furnishers, such as XXXX XXXX, are legally obligated to ensure the accuracy of the information they report. If they can not provide verifiable evidence of these alleged late payments, the account must be corrected or removed immediately. 4. Dodd-Frank Consumer Protection Act : The CFPB has the authority to ensure that consumers are not harmed by inaccurate or unverifiable information on their credit reports. Specific Requests : 1. Conduct a thorough investigation into this account. 2. Reques tXXXX XXXX to provide verifiable evidence of the alleged late payments, including copies of account statements, payment records, and any correspondence. 3. If the late payments can not be verified with clear and compelling evidence, I request that this account be removed from all of my credit reports immediately. 4. Provide me with a written response detailing the results of the investigation and actions taken. Sincerelyn : XXXX XXXX
Product: Mortgage

My loan was paid off through a refinance of into a new loan. There were {$740.00} in suspense funds that were not accounted for after the payoff was processed. Ive been trying to get info on these funds but no one knows what to do.
Product: Credit card or prepaid card

On XX/XX/2021 we were charged {$340.00} from a company we have never done business with. No phone number or ability to contact the vendor was on the statement. A XXXX search shows no such company. We opened a claim XXXXXXXX XXXX informing Bank of America fraud department of our conviction that this is fraud ; pointing out that the company misspelled XXXX as XXXX XXXX, used a suspicious reference number, and that we have no way of knowing who this vendor is, requesting company information and a copy of the transaction receipt. Our claim was denied and no vendor information was given. 

On XX/XX/2021 I again contacted BofA fraud department and was told that it is an online company and that the vendor had not responded to the fraud charge. I reopened the dispute claim. On XX/XX/2021 I received a letter saying our dispute was again denied and that they would be making a report to XXXX credit bureaus. 

I made a third call on XX/XX/XXXX to obtain information on the vendor to request information about the vendor and was put on hold for over an hour. 

I am concerned that BofA is perpetrating fraud through negligence and since I paid my balance in full throughout this time, needlessly impugning my credit with the credit reporting agencies. 

I appreciate living in a Country that takes these matters seriously.
Product: Credit reporting, credit repair services, or other personal consumer reports

please remove fraudulent/unauthorized inquiry by XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX. Or provide proof in writing within 30days
Product: Debt collection

SYNCB/CARE CREDIT SYNCB/American SIGNATU SYNCB/ASHLEY HOMESTORE Debt Validation Request Account Number XXXX XXXX Account Number : XXXX I am writing to verify some information I have discovered on my consumer report that is violating my rights. I am requesting that you provide me with proper documentation to validate this debt in accordance with the Fair Credit Reporting Act ( FCRA ). 
Under 15 USC 1681, Section 602, I have the right to privacy. In accordance with my rights under these laws, I request that you cease and desist all collection activities related to this debt and remove it from my credit report within 14 days of receiving this letter. Should you fail to comply, I will initiate debt validation methods. 

For my debt validation methods these are the things I would require from you. I would require the following information : To validate this debt, I require the following information : 1. Proof of Agreement : Provide a copy of the original contract or agreement with my signature indicating that I agreed to this debt.

2. Bonding Insurance : Provide evidence of the bonding insurance you have as a collector, in case I choose to pursue further legal action.

3. Chain of Title : Provide documentation showing the chain of title for this debt from the original creditor to the current collection agency.

4. Debt Details : Provide the date and the amount of money that I officially became in collection with your company. 

Until you provide all of the above information, this debt remains an alleged debt, and I do not acknowledge any responsibility for it. I expect your prompt and complete response within 14 days. 

Failure to provide the requested information will leave me no choice but to pursue all available legal remedies under the Fair Credit Reporting Act, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal counsel. 

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

I am writing to dispute unauthorized inquiries on my credit report. I retrieved a copy of my credit report from your organization and noticed a credit inquiry that I did not authorize. I have submitted multiple complains and can not seem to get these REMOVED. These are not mine, remove asap from all credit reports. 

XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXXXXXX XXXX ( XX/XX/XXXX ) XXXXXXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) I have attached my IdentityTheft & FTC fraud reports to support this request.

At this time, I am requesting that you remove these hard inquiries immediately off my report. Per my FCRA rights, you have 6 business days to remove these inquiries that I did not authorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 3 unauthorized Inquiries on my credit report I need them to be remove from my credit Credit report I dispute them with EQUIFAX they refuse to take action, theses 3 inquiries is fraudulent I need them to remove from my credit report as soon as possible the creditors name are 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

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX Balance : {$16000.00}
Product: Mortgage

During the month of XXXX I received letters from the bank stating I needed flood insurance. After a spate of three or four letters I received one final letter stating I did not need flood insurance. The letter was from the bank and dated XX/XX/XXXX. Based on that letter and the fact it was the last one I received and it was a complete reversal from the other letters stating I did need flood insurance, I did not bother investigating flood insurance. A few weeks later I received letters and an invoice from the bank stating they had purchased flood insurance on my behalf. After numerous calls, including one where I was told that the letter stating I did not need flood insurance never existed and that it wasn't in their files and basically told that I was wrong and I didn't receive such a letter, I was handed off to a very sweet woman who helped me look at the flood insurance purchasing aspect. She found the letter within a few seconds and, paraphrasing, said from what it says it does not look like you need flood insurance. A subsequent call to PNC and I was told that I did need it and subsequently scrambled to purchase flood insurance. Apparently at some point from their purchase and mine there is a gap in coverage that I'm being charged {$200.00} and some dollars for. Being that the two letters I received from PNC which stated I did and then I didn't need flood insurance, and the last letter I had received stating that I did not need flood insurance, I don't feel that this charge is correct and should be rescinded immediately. After receiving conflicting information via phone calls to PNC as well, I only believe the strengthens my case and I should be refunded that money immediately. I have never missed a payment, I have always overpaid my bill, and I have been nothing but a good mortgagee. As it seems that all of these complaints is routed through the executive client relations department and are typically the only way I can get a timely response, I am hoping this is seen by other people in that department. I have left numerous messages, sent numerous emails to XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and some to XXXX XXXX ( XX/XX/XXXX ) and with few exceptions, have never received any replies. I can document every date that I sent an email and received nothing. Numerous people have said they will call back and never have. With so many empty promises and never returned emails in reference to what is essentially my paying for their mistake, my faith in PNC and it's executive client relations department is nil.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX EXPERIAN was never late! I have had exceptional payment history 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 to be updated.

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.

EQUIFAX EXPERIAN 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!

Update the late payments from my consumer reports
Product: Checking or savings account

I opened a deposit account with XXXX XXXX, part of Netspend Corporation, on XX/XX/20, using a referral link from another accountholder. The purpose of using the referral link was to receive the advertized {$50.00} referral bonus that is promised to both the referring accountholder and the referred accountholder. Moreover, I referred another person to open this account in hopes of receiving another {$50.00} referral bonus as promised. I followed all required activities to get the bonuses ( activated debit card, opened savings account, had a direct deposit, etc. ), but I did not receive any bonus. After reaching out to the customer service of XXXX XXXX, I was told that I am not eligible for any bonus because I have a pre-existing Netspend account. I argued that this was not mentioned in the terms & conditions for the bonus, but I was still denied.
Product: Mortgage

I am writing to formally express my concern regarding my mortgage company, Vanderbilt, and the financial hardship I am currently facing due to the loan they have issued to me. Despite my repeated attempts to communicate my situation to them, I feel that my concerns have been unjustly dismissed.

My current financial situation has become increasingly dire, making it difficult for me to afford basic necessities such as food and bills, let alone my mortgage payments. I have reached out to Vanderbilt many times to discuss the challenges I am facing, only to be told that I am lying about my financial hardship. This accusation is not only false but also deeply distressing, as my priority has always been to meet my obligations.

The representatives I have spoken with at Vanderbilt have indicated that I am capable of making my payments, despite the overwhelming evidence to the contrary. I have provided them with financial statements and documented proof of my struggles, yet they continue to maintain that there is nothing they can do to assist me.

I kindly request your assistance in addressing this situation. I believe that the practices of Vanderbilt in this matter warrant investigation, as they seem to disregard the genuine financial difficulties faced by their borrowers. I am hopeful that your office can provide guidance or intervene on my behalf to help find a resolution that allows me to support my family and fulfill my financial obligations. 

Thank you for taking the time to read my letter. I appreciate any support you can provide in addressing this urgent matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a certified letter to XXXX XXXX requesting validation of several accounts they reported on my credit report. They responded by sending me a spreadsheet from XXXX XXXX XXXX which violated my HIPPA rights. I sent a certified letter again in XX/XX/XXXX and XX/XX/XXXX requesting validation that these accounts were mine. I never received a validation with my signature that these accounts were mine. Therefore, I sent a certified letter to both XXXX & Transunion in XX/XX/XXXX requesting an investigation regarding these accounts. I sent a final request to XXXX  & Transunion in XX/XX/XXXX by certified letter, requesting validation and removal of these accounts. To this day these accounts remain on my credit report with absolutely no validation via signature that they belong to me. These accounts are also being reported on my husbands credit report ( XXXX XXXX )
Product: Checking or savings account

XXXX from Direct Express Debit XXXX XXXX ( XXXX XXXX XXXX XXXX, valid thur XX/XX/XXXX. ) send me a debit card. I call their customer service XXXX on XX/XX/XXXX, at XXXX, that I never apply for the card. All the customer service ask and repeated for my social security number only and then they hang up. I did a little research on the web that this is a fraud and now I do n't know what to do now that they had my social security number. The debit card as comerica bank on top right of the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of XX/XX/XXXX, XXXX, XXXX, andTransUnion has not responded to my dispute. It has been drawn out into the open that Credit Bureaus are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. Please block the noteworthy of any unknown Items in my credit record that came about due to an alleged fraud : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXXXXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX