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

XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX XX/XX/1963 EXPERIAN CREDIT BUREAU RE : Request for Investigation and Correction of Discrepancies on My Consumer Credit Reports Dear Sir/Madam , Upon meticulous examination of my consumer reports, I discovered reported late payments and charge-offs on certain accounts which, to the best of my knowledge and recollection, have always been paid punctually. This information is, therefore, inaccurate, and I am writing to request urgent rectification. 
Under the Fair Credit Reporting Act, Consumer Reporting Agencies are entrusted with the significant responsibility of maintaining the utmost accuracy in reporting consumer information. To that effect, any discrepancy in my credit report is not only misleading but also breaches the mandates of the FCRA. The negative items that are listed have been updated due to the CFPB Breach. Please remove it immediately.

This is in violation of code 15 USC 1681 i. 
Should you not be able to furnish substantial proof of these late payments, I hereby request compliance with the FCRA and Truth in Lending Act ( TILA ) guidelines, that these late payments be amended to reflect their true status ( On Time ). This is imperative as I have never, to my knowledge, been late on these accounts. 
Please remove this account and update this account immediately as you are in violation of several laws under The Fair Credit Reporting Act. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to highlight a concerning discrepancy in my credit report related to inaccurately recorded late payments, which have adversely affected my credit standing. The companies linked to these accounts have acknowledged their faults and committed to rectifying the errors by updating my accounts to accurately reflect my payment history. They attributed these inaccuracies to a system glitch that caused erroneous reporting of late payments. 
It is perplexing that, while other credit bureaus have corrected the status of these accounts, your bureau continues to report these late payments. This discrepancy raises concerns about the verification protocols used by your bureau to ensure the accuracy of reported informationXXXX XXXX XXXX Dept Of EdXXXX XXXX XXXX Dept Of EdXXXX XXXX XXXX Dept Of EdXXXX XXXX , Dept Of EdXXXX XXXX Dept Of EdXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I got no response back from the company Inaccurate reporting on my report, Vehicle was sold and paid the debt the amount own is inaccurate, and debt was never validated
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/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.

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!
Product: Mortgage

In XXXX of 2010 my wife and I had an appointment with Bank Of America to work out a acceptable mortgage plan to make our mortgage more affordable. I was working on XXXX that day. I was tasked to pick up a vehicle at XXXX. XXXX airport, pick up a drive, whom would then pick up a bus. Then we would return the bus to XXXX XXXX XXXX XXXX in XXXX. There shpuld have been plenty of time to d this and get back to home base at XXXX XXXX XXXX That is and hour from my house in XXXX XXXX On the trip tp XXXX XXXX XXXX XXXX from XXXX XXXX , the bus broke down on XXXX XXXX in XXXX XXXX By the time tow truck got to us, we returned to XXXX XXXX XXXX , and parked the other vehicle, and then drove the hour home, I had missed the XX/XX/XXXX. meeting with the Bank Of America financial representative XXXX My wife attempted to call ahead of the meeting time, explain what happened to me, and rescheduale. They, Bank of America, flat out refused to rescheduale the meeting. Since that day we were treated like criminals. Now we have had to short sale out home, can not find a place to live. We have two months before we have to move out. Bank of America sold our mortgage to XXXX XXXX XXXX Bank. XXXX XXXX XXXX started off treating us the same way as Bank Of America, probably to do notes By XXXX XXXX from the XXXX. XXXX. office.We had our rights violated by not getting another meeting to work out the financial issues. Because of this we were not able to qualify for a loan modification.
Product: Credit card or prepaid card

HSBC BANK issued this card WITHOUT MY AUTHORIZATION. Now reporting this derogatory credit card on my credit report. My numerous attempts to get ahold of HSBC went ignored they do NOT list their phone number on the credit report and their address is NOT deliverable. SEE THE LETTER THAT WAS RETURNED TO ME MY USPS. I'M REQUESTING ALL CREDIT BUREAUS TO DELETE THIS ERRONEOUS ACCOUNT FROM MY CREDIT REPORT BUT THEY ARE TELLING ME THAT XXXX HAS TO VALIDATE THIS ACCOUNT .... HOW ARE THEY GETTING HOLD OF THEM WHEN I'M NOT ABLE TO? ....
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my XXXX XXXX. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Personal Information : Former : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I applied for the Alaska Mileage Plan Visa Signature card though Bank of America and my application went to pending. After calling one of their credit specialists, I was told that I was approved for the card. However, a week later I received a different inferior card in the mail with a different opening bonus ( the Alaska Mileage Plan Visa Platinum ). I called and spoke with a Bank of America representative and was told that I already had too much credit with them when applying for the new card and was therefore given a card with a lower limit. At no time during the approval process was I told that they were giving me a different card, as I would not have agreed. This felt like a bait and switch. I then immediately cancelled the new card to avoid having to pay the annual fee. I was told there was no way to remove the account from my credit report, even though it was not the one for which I applied.
Product: Credit reporting or other personal consumer reports

I have received a copy on my consumer reports and notice that you have provided transactions on my consumer report that is excluded by law under FCRA 15 U.S.C. 1681a 2Ai. 15 U.S.C. 1666b. 
XXXX XXXX never sent the periodic return along with the Section 1637 ( b ) disclosures. 
XXXX XXXX never submitted the periodic return along with the Section 1637 ( b ) disclosures.

I have requested proof that this information was submitted or delivered 21 days prior to the payment due date and this information was requested in good faith pursuant to Rule 1002 and was never provided. 15 U.S.C. 1666B and its requirements set the standards and guidance for a creditor to treat a late payment, but they are reporting a late payment and did not comply with the law. 
This is unfair, illegal, fraudulent, and unfair to me as a consumer! I have never been behind on this XXXX  XXXX account # XXXX I ask that you do an investigation and provide statements of these payments and if you can not verify the information then I demand that they be updated as timely payments, as they seriously affect my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/year>
Product: Credit reporting

I have called and spoken to approximately XXXX people at XXXX to dispute an account from them that is listed on my credit report through them. It states that I closed the account and it went to collections, and that I still owe {$270.00}. I have never closed my account with them, the account number listed is not even an account number that they have. They have confirmed orally to me that I do not owe them any money, and have an active open account. They will not remove it because they tell me that they did not report it. It clearly shows that XXXX reported it though.
Product: Credit card or prepaid card

I was a victim of XXXX fraud last year and received an unsolicited Cash App XXXXdebit card in the mail today ( XXXX ). When you try to call the company, there is no number available. There is no way except to send a message via email to the company or to get help unless you activate the fraudulent card through the web or app. This card was opened using my social security number but I have a credit freeze on through all three bureaus.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the past due status on my account for the original creditor " XXXX XXXX '' with account number # XXXX with a balance of {$0.00}. 

I am a victim of identity theft and I can assure you this past due is not mine ; In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 this section states a credit issuer can not furnish an account without my written directions under USC 1666B a creditor may not treat a payment on a credit under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX 15 USC 1681 section 602 A. States : I have the right to privacy.

15 USC 1681 section 6O4 A. Section 2, it also states : The consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 C A5 section states : No consumer reporting agency may take any consumer report containing any of the following items of information any other adverse item of information other than records of conviction of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person should not furnish any information relating to the 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

On or about XX/XX/21 I submitted a request for Credit Reporting Agency to freeze/cease providing any Consumer Reports they are sharing with any Person or Company. This action was not complied with and actions are still being done without my written consent or other permission.

In accordance with the Credit Reporting Act my rights were violated.

15 U.S.C. 1681 Section 602A states I have the right to privacy.

15 U.S.C. 1681 Section 604 Section 2 it also states a Consumer Reporting Agency can not furnish an account without my written instructions.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair & deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these actions.
Product: Debt collection

To Whom It May Concern : I am submitting a complaint regarding LVNV Funding LLC for inaccurately reporting a disputed debt on my credit report. This debt was previously disputed with XXXX XXXX, the original creditor, and subsequently removed from my credit reports due to XXXX XXXX violation of consumer protection laws. Despite this, LVNV Funding LLC purchased the debt and is now inaccurately reporting it as a collection account. I respectfully request the CFPBs assistance in ensuring the removal of this account from my credit reports with XXXX, XXXX, and XXXX. 

Account Details : Original Creditor : XXXX  XXXX Current Creditor : LVNV Funding LLC Account Number : XXXX Open Date : XX/XX/year> Reported Balance : {$1500.00} Reported Delinquency : XX/XX/year> Debt Purchase Date by LVNV Funding LLC : XX/XX/year> Issue Summary : XXXX. Previous Dispute and Removal by XXXX  XXXX : This debt was previously disputed with XXXX  XXXX due to inaccuracies and consumer protection law violations. XXXX XXXX ultimately removed the debt from my credit reports, acknowledging the validity of my dispute. 


XXXX. Inaccurate Reporting by LVNV Funding LLC : Despite XXXX XXXX removal of the debt from my credit reports, LVNV Funding LLC purchased this account and has since reported it as a collection with an installment balance. This action disregards the original dispute and removal of the debt, resulting in misleading and incorrect information on my credit reports. 


XXXX. Unlawful Re-Reporting of Disputed Debt : The continued reporting of this debt by LVNV Funding LLC is in violation of consumer protection laws, as the original debt was previously disputed and removed. Their actions are causing ongoing harm to my credit and financial standing. 



Please be advised that this letter is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), disputing this claim and requesting immediate validation. Due to the inaccuracies and the previous dispute with XXXX XXXX, I am requesting the immediate removal of this account from my credit report across all three credit bureaus.
Product: Mortgage

I filed a XXXX XXXX XXXX XXXX which got rid of my XXXX mortgage and restructured the XXXX mortgage. In XXXX or XXXX this zombie XXXX mortgage popped up as Fay Servicing and said I owed them {$120000.00} and they were foreclosing on my house. I called my XXXX mortgage company they said it was a scam. I called the agency that did the bankruptcy filing and they said it was a scam. Then I received the foreclosure paperwork and I verified that the XXXX mortgage company can foreclose on my home so I paid the payment which should have covered the total amount {$67000.00}. Not knowing that they violated XXXX XXXX part of the Truth In Lending Act. I didnt receive any statements from Fay XXXX interest attached to the mortgage or anything until I received foreclosure notice. The loan has been transferred to XXXX XXXX XXXX XXXX. I believe I was duped out of my life savings by this zombie XXXX mortgage which was wiped out when I filed bankruptcy.
Product: Debt collection

The debt doesn't belong to me and I have no knowledge of how it got there.
Product: Debt collection

On XX/XX/XXXX I was denied financing for a different house with XXXX XXXX XXXX and a previous situation with Bank of America is the reason for denial. 

My previous house was foreclosed in XX/XX/XXXX and as part of a settlement, it does not show on my credit report, however it is an issue. 

Purchased this house in XX/XX/XXXX with my husband-at-the-time. In XX/XX/XXXX, we separated and our dissolution of marriage was XX/XX/XXXX XX/XX/XXXX-XX/XX/XXXX this house was put on the market to sell with no offers. 
XX/XX/XXXX Faxed documents to Bank of America Deed in Lieu Qualified for Deed in Lieu. Negotiator was to contact me by XX/XX/XXXX. 
XX/XX/XXXX Faxed documents to BOA Short Sale XXXX XXXX became BOA contact person XX/XX/XXXX XX/XX/XXXX XXXX told me that my DIL was accepted XX/XX/XXXX Now, my DIL was cancelled XX/XX/XXXX XXXX XXXX sent an email saying that my file is still being reviewed for DIL XX/XX/XXXX XXXX XXXX sent an email saying that my file is still being reviewed for DIL XX/XX/XXXX BOA required me to vacate the premises by XX/XX/XXXX Moved into apartment XX/XX/XXXX XX/XX/XXXX Faxed documents AGAIN XX/XX/XXXX Faxed documents AGAIN XX/XX/XXXX XX/XX/XXXX Deed in Lieu accepted XX/XX/XXXX DIL accepted and recorded XX/XX/XXXX XX/XX/XXXX Called BOA and was again told DIL was accepted XX/XX/XXXX No paperwork yet XX/XX/XXXX XXXX Now, we are in foreclosure XX/XX/XXXX Called BOA about DIL settlement paperwork. 
XX/XX/XXXX Declined for DIL because BOA was unable to contact borrowers Re-initiated DIL proceedings XX/XX/XXXX Still waiting on DIL paperwork XX/XX/XXXX Was told to wait for Approval to Participate letter. Call back next week XX/XX/XXXX Called to check status and was informed that XXXX XXXX was my new contact person XX/XX/XXXX Left message for XXXX XX/XX/XXXX Left message for XXXX XX/XX/XXXX Received a phone call from XXXX informing me that my DIL was not accepted and wanted me to put the house on the market again. 
When I asked why the DIL wasnt accepted, XXXX read because the house sat vacant for so long. 
XX/XX/XXXX Sent letter to BOA asking them to foreclose on property XX/XX/XXXX Received a summons from XXXX County because BOA had decided to sue us. 
XX/XX/XXXX Hired XXXX XXXX XXXX to represent us in court XX/XX/XXXX Foreclosure and Sheriffs sale entry by XXXX County Court XX/XX/XXXX Court filed Confirmation Entry of Sale and Distribution of Sale Proceeds
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

This fraudulent, inaccurate, and false information consists of an account from XXXX XXXX account # XXXX opened on XX/XX/XXXX, an account with XXXX, account # XXXX, opened on XX/XX/XXXX, an account with XXXX XXXX XXXX, account # XXXX opened on XX/XX/XXXX and lastly an account with XXXX XXXX XXXX, account # XXXX, opened on XX/XX/XXXX. 

I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned collections as reported. The aforementioned accounts, collections, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Report # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention unauthorized hard inquiries that appear on my credit report. After reviewing my Equifax credit file, I have identified the following unauthorized inquiries : XXXX. Inquiry Details : Creditor : XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX Date of Inquiry : XX/XX/2023 XXXX. Inquiry Details : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX Date of Inquiry : XX/XX/2023 XXXX. Inquiry Details : Creditor : XXXX  XXXX XXXX Capital XXXX XXXX XXXX XXXX, VA XXXX Date of Inquiry : XX/XX/2023 After reviewing my XXXX  credit file, I have identified the following unauthorized inquiries : XXXX. Inquiry Details : Creditor : XXXX  XXXX XXXX Capital XXXX XXXX XXXX XXXX, VA XXXX Date of Inquiry : XX/XX/2023 XXXX. Inquiry Details : Creditor : XXXX  XXXX Capital XXXX XXXX XXXX XXXX, VA XXXX Date of Inquiry : XX/XX/2023 XXXX. Inquiry Details : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date of Inquiry : XX/XX/2023 XXXX. XXXX XXXX : Creditor : XXXX XXXX Date of XXXX : XX/XX/2023, XX/XX/2023 XXXX. Inquiry Details : Creditor : XXXX XXXX XXXX Date of Inquiry : XX/XX/2023 XXXX. Inquiry Details : Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX Date of Inquiry : XX/XX/2023 XXXX. Inquiry Details : Creditor : XXXX Main po box XXXX XXXX, IN XXXX Date of Inquiry : XX/XX/2023 XXXX. Inquiry Details : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date of Inquiry : XX/XX/2023, XX/XX/2023, After reviewing my XXXX credit file, I have identified the following unauthorized inquiries : XXXX. Inquiry Details : Creditor : XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX Date of Inquiry : XX/XX/2023 XXXX. Inquiry Details : Creditor : XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX Date of Inquiry : XX/XX/2023 XXXX. Inquiry Details : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX Date of Inquiry : XX/XX/2023 XXXX. XXXX XXXX : Creditor : XXXX XXXX Date of XXXX : XX/XX/2023, XX/XX/2023 XXXX. Inquiry Details : Creditor : XXXX XXXX XXXX Date of Inquiry : XX/XX/2023, XX/XX/2023 XXXX. Inquiry Details : Creditor : XXXX XXXX XXXX Date of Inquiry : XX/XX/2023 XXXX. Inquiry Details Creditor : XXXX XXXX XXXX Date of Inquiry : XX/XX/2023 I would like to clarify that I did not provide authorization for these inquiries and have no affiliations or business relationships with the respective creditors. As per the Fair Credit Reporting Act ( FCRA ), unauthorized hard inquiries negatively impact my credit score, and I am requesting their immediate removal.