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

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date of Birth : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, GA XXXX Dear Experian Team, My First & Last name are as follows : XXXX XXXX XXXX XXXX 

My Current Street Address are as follows : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX After reviewing my credit report, I have found inaccurate names and addresses that do not belong to me. I want to ensure that you are only retaining and reporting true, current, and accurate information on my credit report per FCRA regulations, and I demand, as my lawful right for any names and addresses other than what I have listed above and below be removed immediately as they are not accurate and untrue. 

**Incorrect Names : ** The report includes an incorrect names of : XXXX XXXX XXXX XXXX XXXX Please delete and remove these incorrect names : My First & Last name are as follows : XXXX XXXX XXXX XXXXIncorrect Address : ** The report includes an incorrect address of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX addresses listed above I have not resided in. My Current Street Address are as follows : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX These names and addresses has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to 15 USC 1681eb they are supposed to ensure this 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.

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. 16815-2 ( AX1 ) 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.

I request that you investigate these discrepancies and update my credit report with accurate information as soon as possible. Enclosed are copies of documents verifying my correct name and current address : Please send me a copy of my updated credit report once the corrections have been made.

I appreciate your prompt attention to this matter, as it is crucial for my financial well-being. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

I received the original letter from Planet Lending and initially was concerned that the Homeowners Policy had been cancelled when we refinanced. I called XXXX XXXX XXXX and they verified that I still had the Homeowners Policy and that it was current and that we had never had flood insurance on it since Ive owned it since XX/XX/2008. I then called Planet Lending customer service and they said they would look into it and get back to me. When I didnt hear back after a week I called them and was on hold for over 20 minutes.. I never heard back until last week when they sent me another form letter which mentions nothing about what they found out. Today I got ahold of customer service who said she saw the notes from the previous call and that it shows the cottage is in a flood plain. She was not able to answer when that was changed and she gave me the number for FEMA and told me to contact them. And that I had 45 days from the date of the original letter ( XX/XX/XXXX ) to get flood insurance or they would do it for me. I asked for an extension to get this figured out and she repeated what she had just said. Very unhelpful! I then called the FEMA number she gave me and the woman with FEMA said she had received several calls like this and she honestly did not know what to do with the call as the number was for disaster assistance. Im getting the run around and there is no way my cottage at XXXX above the lake on a cliff is in a flood plain. They want to charge me over XXXX on flood insurnace which is not needed. I have tried with no luck it seems like customer services doesnt care and wont help.
Product: Credit reporting

I checked my TransUnion credit report and noticed a collection being reported that was'nt mine, so I sent a certified letter to the collection agency 's address listed on my credit report for validation. The certified letter came back from the USPS, stating that they were unable to forward the letter. I then sent a copy of the returned envelope to TransUnion, asking them to remove the collection off of my credit report because the collection agency is reporting incorrect information. TransUnion sent me a letter back stating that it was verified ''?????? even after I had sent them solid proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed several hard inquiries on my Equifax credit report. Equifax keeps stating that inquiries are a factual record. My argument is that the inquiries were not authorized by me and are fraudulent. i sent the request to have them disputed and removed along with my official police report. if an inquiry was not authorized by me than how can it be a factual record on my report under my identity. Equifax is causing me damages by continuing to report those inquiries which has caused my credit score to drop.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX account XXXX XXXX account # XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have the rights 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. On XX/XX/2022 account # XXXX a XXXX account was opened under my name without my knowledge or consent and was used and left a {$490.00} dollar balance. I reached out to the credit bureaus for verification of accuracy and they said they did and I found improper inaccuracies on my credit report even after the credit bureaus thorough research. I demand this account be deleted expeditiously from my report being that the name was entered incorrectly but the perpetrators were still able to furnish a credit account with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received an email from Equifax advising a new bankruptcy was being reported on my account and my credit score dropped XXXX points this week. I have not filed bankruptcy since XX/XX/2009.
Product: Debt collection

I have sent three requests to Porfolio Recovery asking them to provide me with the documentation required by law for this company to leave this information on my credit profiles. Porfolio Recovery has refused to respond. I am also sending a formal complaint to the Virginia state attorney general and to the FTC. I was told to try this before being forced to file suit seeking the maximum monetary award allowed under the law as this derogatory entry is stopping me from purchasing a home. I also plan to sue for fraud as this company has opened an account under my name without my permission.

****************************************************************************************** I am demanding the following as required by law : * Documents bearing my signature ( Fair Credi

t Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. ) * Documentation used to verify this debt * Any documentation that shows Verifiable Proof that this judgement is mine. *Documents that show this alleged debt is not past its SOL *Proof that you are legally allowed to collect on this debt.
****************************************************************************************** If Portfolio Recovery can not provide me with the proof required I would like a letter stating that these items are being deleted from all of my credit of reports.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Equifax XXXX XXXX XXXX XXXX. 
XXXX Department [ XXXX XXXX XXXX XXXX XXXX XXXX RE : Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable re-investigation of disputed items. 

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding XXXX 's failure to conduct proper investigations. Specifically, in a lawsuit filed against XXXX, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), XXXX is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. 

I hereby request that XXXX : XXXX. Conduct a thorough reinvestigation of the following disputed accounts or items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. Provide me with all documentation used to verify the accuracy of the disputed information. 

XXXX. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 
XXXX. Correct or delete any information that can not be verified on my profile for XXXX per XXXX usc XXXX. 
Given the recent CFPB findings, I expect XXXX to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 

If XXXX fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 

Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file. 

Sincerely, [ Enclosures : Copy of ID, Proof of Address, Supporting Documents ]
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi Im trying to get this late payment that is reporting on my credit from you all off my report I have made the payment Monday XX/XX/2023in the full amount owed That I was unaware of owing When I purchase my home XX/XX/2023 I was under the impression I had to pay Lennar So when I got close to the date to make the payment I reached out to XXXX XXXX My loan officer Because I started to receive emails from XXXX XXXX And was told my loan was sold XXXX and I have emails going back and forth about who I make my first payment to I will attach the email below, can you please take this off my credit it is harming my score tremendously, when I was misinformed information this is my first home purchase
Product: Credit reporting or other personal consumer reports

the following inquiries were placed on my XXXX report and was not authorize by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> the following inquiries were placed on my XXXX report and was not authorize by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  the following inquiries were placed on my Transunion report and was not authorize by me : XXXX 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, credit repair services, or other personal consumer reports

on XX/XX/XXXX I sent in a dispute requesting that they delete the public record due to incorrect reporting between the credit bureaus. I sent in proof and ask for an immediate deletion. Results came back and nothing was changed. This inaccurate reporting is wrong and goes against the law. I also have two credit reporting incorrectly XXXX  XXXX bank. Attached is the information that is reporting incorrectly. Please help me remove this inaccurate information. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

account refers to XXXX XXXX XXXX. also known as XXXX XXXX XXXX. i have never denied account is mine, my dispute is this company keeps reporting inaccurate information in order to hurt my credit. i have asked by certify mail for the credit bureau XXXX  to validate account and amounts and collection date. there response is the acount is certified and is accurate, after filing a complaint with CFPB XXXX  XXXX finial sent documentation showing the collect amount. which is not the same as what is being reporting but the still refuse to send collection date this being the lease, that would show that the correct date of collect is XX/XX/2011, the collection amount is {$1900.00}, there fore they are reporting inaccurate information and must be deleted under fcra, 1681i, which provides, in relevant part, as follows : If the completeness or accuracy of any item of information contained in his file is disputed by a consumer, and such dispute is directly conveyed to the consumer reporting agency by a consumer, the consumer reporting agency shall within a reasonable period of time reinvestigate and record the current status of that information .... If after such reinvestigation such information is found to be inaccurate or can no longer be verified, the consumer reporting agency shall promptly delete such information. 
Therefore XXXX has had plenty of time to investigate and keeps reporting wrongfull information in fact every time they investigate the balance seems to go up. 

depending on action taken, if i will file civil suite in court
Product: Credit reporting or other personal consumer reports

I have reached out to the credit monitoring bureaus XXXX, XXXX, and EXPERIAN. 
In accordance with the Fair Credit Reporting Act, I hereby request that these items be thoroughly investigated and promptly removed from my credit report. It is my understanding that you will conduct a reevaluation of these items by contacting the creditor responsible for their inclusion. I kindly ask that any information that the creditor is unable to substantiate be expunged. I am aware that as per 15 U.S.C. Sec. 1681i ( a ), you are required to complete this reinvestigation within 30 days of receiving this correspondence. 

It has been 4 months since the first time I reached out to all of them and I haven't recieved a response besides a letter from Experian and XXXX which seemed like a way to delay the process. I did again a response aknowleging the letter I recieved and wanted to proceed. I havent heard anything back from none of them. 
I have the proof from the postage of every letter ive sent. I've reached out to all of them 3 times in the last 4 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

We refinanced with AmerSave in XXXX of XXXX. 

In XXXX we were notified that we hadn't made our XXXX mortgage payment. We called and said we were looking directly at our mortgage statement and it said that our first payment was XXXX. We were then told that there is Amerisave mortgage and Amerisave mortgage servicing. We were like what???? 

Apparently we were supposed to MAIL a payment to the first Amerisave. So we did this directly. A couple of weeks later we received an email saying they hadn't received our payment. They advised we should do a stop payment and then do a check through our bank. We did that and had follow-ups from Amerisave saying they hadn't received the payment. I sent them the info showing we sent it. FINALLY... they got back to us and said they received it. 

Then in XXXX we were notified by our home owner 's insurance company that our policy was going to be cancelled if we didn't pay our premium. Since we had chosen an escrow account we were dumbfounded. We then contacted our home owner 's insurance company and they said they had not yet received anything. We then contacted Amerisave and they said they hadn't received our home owner 's insurance information??? This should have been sent with the servicing package, shouldn't it? Anyway, they cut a check immediately to XXXX and that was resolved. 

Then today we received a notice in the mail that our county property taxes had not been paid by the XXXX deadline. We contacted Amerisave and they said that they were collecting for XX/XX/XXXX and that they had not collected impounds for the XX/XX/XXXX taxes. I told them that we had our Closing disclosure that had been sent to us prior to setting up our signing. The lady I spoke with ( XXXX XXXX said she was looking at our closing disclosure ( that was signed with the signing agent ) and it showed they hadn't collected. I told her that yes we had requested impounds. We then went through our signing packet and found the closing disclosure. It was different then the one we received on XX/XX/XXXX although it had the same date. 

We did have a conversation with our loan officer about not wanting to bring cash in to close. They had told us after the loan estimate that the amount had changed and we would now need to bring in cash to close. Our loan officer emailed us and said he had taken care of it and we were pleased. 

Our final closing disclosure that was in packet showed we were getting more back at closing then originally disclosed, but we thought that was great. What we didn't know is that XXXX had removed our XXXX escrow impound. We had not discussed this and it was not disclosed before signing. We were told that everything was the same. 

So now XXXX is ( supposedly ) paying the XXXX taxes, but it will leave our impound account with a negative, which we will need to make up with larger monthly mortgage payments. 

We are very unhappy and feel that we were not serviced with any kind of professionalism, but deliberately misled.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXXXXXX Subject : Cease and Desist Communication Regarding Alleged Debts To Whom It May Concern, Pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ( c ) ), I am writing to formally request that you immediately cease and desist all communication with me, including phone calls, letters, emails, or any other form of contact regarding the following accounts : Credit Corp Solutions , Inc. 
XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX I dispute the validity of these alleged debts, and I request no further contact from your organization or any representative associated with it. 

Please be advised that this request does not authorize you to report false information to any credit reporting agency. Additionally, this communication serves as a formal notice that any continued attempts to contact me regarding these accounts may constitute a violation of federal law, subjecting you to potential legal consequences. 

Send all future correspondence, if any, regarding these matters to me in writing at the address listed above. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I need statement copies for my checking account with Suntrust, now closed. These documents include from account opening until closing. These are needed for accounting purposes.
Product: Debt collection

XX/XX/2017 {$84.00} Debt came up on my credit report and its not mine can you please help.
Product: Credit card or prepaid card

On XX/XX/XXXX I made a purchase of {$3000.00} that was financed by Synchrony Bank with a promotional 0 % APR offer until XX/XX/XXXX. 

On XX/XX/XXXX I made a purchase at a different store that used Synchrony Bank to finance another {$3000.00} that would provide a deferred promotion of 0 % APR until XX/XX/XXXX Synchrony posted almost all payments to the 1st purchase on XX/XX/XXXX which has a much long intro period. Meaning we could not utilize a promotional period unto XX/XX/XXXX on any of the balance. This was not disclosed to us and we would not have financed through Synchrony for the purchase made on XX/XX/XXXX knowing to avoid deferred interest both purchases would needed to be paid by or before XX/XX/XXXX Lastly, financing the purchase on XX/XX/XXXX lost me discounts on the purchase. It was an either finance or receive discounts. We financed to pay over 6 months but very low amount of payments were allocated to this balance