23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a letter on the XXXX of XX/XX/2023 from Peter Roberts & Associates , Inc stating that I owed {$380.00}. 

The letter states I have 10 days to comply or they will alert the credit bureaus of my failure to pay for medical bills from XXXX XXXX, which is my insurance. 

There has been NO breakdown of charges, I went out to XXXX XXXX and logged in and saw no bill for the amount referenced. Unless they ( collections XXXX XXXX ) SEND me a breakdown of charges, I cant pay it because I have no idea what Im paying for. 

They have my address, why cant they send me a breakdown? This is so ridiculous, theyre trying to ruin my near perfect credit score! Send me a bill BEFORE reporting to creditors!!
Product: Credit card or prepaid card

I have maintained communication with this company over 5 years both during college and after I graduated. I have made payments, requested documents ect. I want to negotiate a lower percentage rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you to request the removal of inquiries on my credit report. I have reviewed my credit report recently and have noticed that there are several inquiries that I do not recognize and that were not authorized by me. Below, I detail the information necessary for them to process my dispute request. 

The inquiries in question are the following : WELLS FARGO DEALER S ( XX/XX/2022 ) XXXX XXXX XXXX ( XX/XX/2022 ) XXXX XXXX XXXX ( XX/XX/2022 ) I am not aware of these inquiries and do not believe they are legitimate. Therefore, I request that they be removed from my credit report as soon as possible. 

I am attaching to this letter a copy of my credit report showing the inquiries I am disputing. I have also highlighted the inquiries in question in the attached copy to facilitate their identification. 

I appreciate your attention to this matter and hope that I can resolve this dispute in my favor. Please let me know if you need more information or documentation from me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to initiate a formal legal dispute regarding the erroneous reporting of collection accounts on my credit report, which is in direct contravention of the Fair Credit Reporting Act ( FCRA ), specifically under Sections 611 and 623. These statutory provisions mandate the re-investigation of disputed information and the accuracy and integrity of the information furnished. 

Erroneously Reported Account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Per Sections 611 and 623 of the FCRA, I demand a thorough and expedited re-investigation of the aforementioned entries and insist on the correction or deletion of these inaccuracies from my credit report. Should these entries be verified as inaccurate, it is your responsibility to rectify such information promptly. 

Please be advised that failure to address these errors satisfactorily and expediently may be viewed as willful non-compliance with the FCRA, thereby subjecting you to potential legal action. 

I request immediate rectification of these inaccuracies either by removing or correcting the disputed collection entries. I further demand written confirmation of the changes made to my credit report upon the conclusion of this matter. 

I expect your immediate and thorough response to this dispute within the statutory 30-day period as required by the FCRA. 

Sincerely, XXXX XXXX
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 Acct # XXXX. Has violated my rights.

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 or other personal consumer reports

Im submitting this complaint to inform you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime.The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. The following items listed below are unknown to me. XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am a customer of Bank of America for many years. Recently In XX/XX/2021 I called the bank and asked them to start a claim for a withdrawl of XXXX that was taken out from XXXX XXXX. My information was stolen and compromised and they opened the claim. As soon as I found out I immmediately closed the XXXX XXXX account so no futher transactions would be made. If apparently i made these transactions why would i go through all these steps. I have used XXXX XXXX before and didnt have these problems. What is upsetting is that bank of america is denying my claim without asking for further information. By them taking out the money, I am being left with no money to pay my bills. unfortanetly i dont have that kind of money to be taken out or stolen. i need help thanks
Product: Mortgage

Mortgage was bought by another company and the title still has original lender on it and not new mortgage company out of state no tags are on mobile home and they refuse to get title with their name said they don't have to do they avoid the title transfer and tags charge both my name and the original lenders name is still on title but I pay them and they say they own the loan
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is my name social is XXXX On my XXXX Credit report theor are 10 hard inquiries that are fraud I filed a federal trade commission identity theft report for the 10 hard inquiries please have XXXX removed those hard inquiries and regarding experian I have 4 hard inquiries that are fraudulent I filed a federal trade commission identity theft report its on file also their arr two negative items that are fraud XXXX and the other negative item has a balance of XXXX please have experian removed those 2 remaining negative items that are charged off off my experian report I filed a federal trade commission identity theft report its on file
Product: Mortgage

I went through a bankruptcy and came out with a negative balance for my insurance and taxes against my home after 5 years with interest. I request a modification and it took close to two years and the loan was only modify by adding the balance back to loan and the rate stayed the same and I ask why the rate stayed the same I was told that the modification was to ketch me up not make it comfortable. My payments was XXXX and thru my trial modification XXXX a month. Now I am asked to pay over XXXX a month. I also found out that a lean was put on my property.
Product: Credit reporting or other personal consumer reports

I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like Equifax did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports.

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual. 

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information furnisher of the changes. 

15 U.S. Code 1681s-2, specifically, the Responsibilities of furnishers of information to consumer reporting agencies, it is noted that within 30 days, you did not properly indicate that this account was under dispute, thereby resulting in a violation of this provision.

15 U.S. Code 1682n ( b ) civil liability of a natural person I've been violated.

My disputes are detailed and directly related to the accounts in question. A template response WILL NOT BE acceptable response. If, within 15 days after your investigation, you are unable to provide me with verifiable proof, you are obligated to remove erroneous and unlawful late payments on my payment history. Listed below These account should not reflect as negative : XXXX. XXXXXXXX XXXX XXXX  YOU ARE NOT reporting 100 % correctly. You are violating FCRA. DELETE the late payments on my payment history ASAP.
Product: Prepaid card

I purchased multiple  XXXX  gift card to give as gifts and when I gave them, the recipient informed me there was no money left. Unfortunately, by the time I filed the complaint, it was told the fraudulent transactionwas past the 6 month mark. Of course, if it was my personal credit card, I would have noticed a few days after the transaction, but given it was a gift, I do n't check the amounts regularly. I 've also physically mailed in my claim form and faxed it ove r ( the only  methods available ) and yet have heard no response from their dispute line. Apparently this is a huge issue with  XXXX  gift cards since the only digits that change are the la st 4. It 's  ridiculous that such a large credit card company has a known issue with fraud and yet have n't done anything about it.
Product: Debt collection

I have been paying to settle this account, listed on my credit report the total owed is {$1000.00} however when i call to settle in full i i was informed that the amount listed on my credit report was incorrect and my total was {$1500.00}. i tried to explain to the agent on the phone and was told i should just pay the {$1500.00} as it is listed as accord interest in her system
Product: Credit reporting or other personal consumer reports

Per the FCRA as a federally protected consumer. I am now opting out any and all authorizing. I the consumer may have given you ; written, unwritten, verbal and nonverbal per 16 CFR 313.7 313.7 Form of opt out notice to consumers ; opt out methods.

( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 313.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right.

433.3 Exemption of sellers taking or receiving open end consumer credit contracts before XX/XX/year> from requirements of 433.2 ( a ).

( a ) Any seller who has taken or received an open end consumer credit contract before XX/XX/year>, shall be exempt from the requirements

of 16 CFR part 433 with respect to such contract provided the contract does not cut off consumers ' claims and defenses. ( b ) Definitions. The following definitions apply to this exemption : ( 1 ) All pertinent definitions contained in 16 CFR 433.1. ( 2 ) Open end consumer credit contract : a consumer credit contract pursuant to which open end credit is extended. ( 3 ) Open end credit : consumer credit extended on an account pursuant to a plan under which a creditor may permit an applicant to make purchases or make loans, from time to time, directly from the creditor or indirectly by use of a credit card, check, or other device, as the plan may provide. The term does not include negotiated advances under an open-end real estate mortgage or a letter of credi
t.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Incorrect Name - XXXX XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Khols charge card acct written off in XX/XX/year>. Reported on my credit report late as of XX/XX/year>. While trying to speak with them was hung up on. Tried to file dispute. XXXX stated account is valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I financed my house with Quicken Loans and Allowed them to run my credit twice yet I have 8 credit inquiries from this company disguised as other companies such as XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX, and as XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. While the dates in XX/XX/XXXX I admit to because I was trying to buy a house and, XX/XX/XXXX when i let them check it for a refinance opportunity, the rest were not authorized. I spoke with them regarding this situation multiple times and was told that even though they have no proof that i gave them permission to run my credit that they would not remove the inquiries because they didn't have to.
Product: Credit reporting or other personal consumer reports

We have had XXXX late payments on our mortgage ever ( in XXXX  years ) until XXXX recent missed a few months back due to being taken off auto pay without our knowledge by PNC bank then it affected credit score for me and husband 's by XXXX points cause they put as a late charge on our mortgage cause was 30 days late. But that is because we were always used to auto so never noticed. We are buying a new house and this is greatly affecting our credit cause of this one issue and very undeserved and we want it fixed and taken off and our credit score fixed please. 

You can review old credit report to show there were XXXX late payments. Please if you need to you can also review the current credit report showing XXXX late payment for XXXX. We previously had automatic payments arranged via your online portal and only noticed something was wrong when we did not see the payment being removed the following month. As soon as we noticed we paid it in full and immediately was up to date. We were informed by one of your agents that there was a system change/update that has caused previously scheduled payments to be deleted, resulting in our credit score decreasing significantly. We request that you remove this late payment history from your records and update with the credit bureaus effective immediately. Our mortgage loan consultant is requesting a letter or some type of documentation for us showing that this is being actioned as we are in the process of purchasing a new home and selling our current. PNC bank I sent all documentation too with a letter etc and never heard back so called to follow up and they did not fix the problem or even seem to care so my loan officer told me to contact you guys. I really need this resolved asap please. 

Please let me know once receive correspondence and documentation showing it is being taken care of. 

Thank you, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

After my mother passed away in XXXX, I established an estate, which was formalized in XXXX. At that time, I sent all the estate information to XXXX XXXX XXXX. The loan was transferred to Fay Servicing in XXXX, and I provided them with the same documents. I have owned the home with my mother for XXXX years, and up until now, I was able to communicate effectively with the mortgage company. However, I have repeatedly tried to communicate with Fay Servicing, and they refuse to provide me with any information about the mortgage. I have sent the death certificate several times, but each time I call, I receive the same response. On XX/XX/XXXX, I mailed a certified letter with return receipt, including a payment of {$260000.00} to Fay Servicing to settle the account. In my letter of instruction, I requested that if my payment was not going to be applied to the account, it should be returned to me. Fay Servicing neither returned my payment nor applied it to the account as instructed. In XX/XX/XXXX, I hired a title company to conduct a title audit of the documents associated with my mother 's mortgage. The examiner discovered title fraud, forgery, and theft. I will be reporting them to all the proper agencies.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX -- UNAUTHORIZED INQUIRY 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file.

Please remove the following items from my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I notice a few inquiries on my credit report and noticed I have never apply for anything with these accounts. 

XXXX XXXX XXXX XXXX XX/XX/XXXX Disputed XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Disputed XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : Credit Card Address : Number : XXXX Reason : This account is reporting inaccurate information on my credit report. There is different information reported to XXXX and Equifax. My XXXX Credit report list that No Data was reported for XXXX however, my account is listed as 30 days late the following month. How was it verified that the account was 30 days late if the previous month reports No Data reported? My XXXX report also reports that this account was charged off in XXXX of XXXX. It was reported to Equifax that I made a payment in XXXX of XXXX. There is also information being reported as 90 days late for XXXX months in a row which is not possible. This information is reported inaccurately and needs to be deleted off my credit report immediately. Once my request is completed, please send an updated copy of my credit report. Also, If late payments were in fact verified This law : I am writing to dispute the following information on my credit report. I recently reviewed my credit report and noticed inaccuracies and/or incomplete information and accounts that are inaccurate. According the Fair Credit Reporting Act Section 15 U.S Code 1681s-2 ( a ) ( 1 ) ( F ) - you are required to promptly report the credit obligation or account as current if the furnisher makes accommodation defined as an agreement to defer one or more payments or forbear any delinquent amounts. These reported late payments on the accounts listed above all fall in the covered period mentioned in FCRA 1681s-2 ( a ) ( 1 ) ( f ).

With that being said, I demand that all late payments reporting late on this account be updated to Paid as agreed, never late and the account be reported as current. If you neglect to update this information, I will promptly file a CFPB complaint