23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We signed a home purchase contract on XX/XX/2021. At the time we had a preliminary loan approval from a mortgage company recommended by our realtor. In the following days we were offered a significantly better rate from Bank of America. We talked to XXXX XXXX at Bank of America on XX/XX/XXXX and began the process. MrXXXX XXXX stated that he may have trouble making our settlement date of XX/XX/XXXX but would work to complete it within a few days of said date. 

Bank of America 's online document portal proved cumbersome and Mr. XXXX asked that we send all documents to him directly. This began a continuous process of Mr XXXX and the automatic portal asking for documents and us providing required documents always on a timely basis. I will note that Mr. XXXX response time during this period did not indicate that time was of the essence. 

Bank of America and MrXXXX XXXX insisted that the inspection, survey and appraisal all be completed immediately and paid for outside of closing. The inspection was completed on XX/XX/XXXX, we received the survey on XX/XX/XXXX and the appraisal was complete by XX/XX/XXXX. We then contacted Mr XXXX to find out if we could still close on XX/XX/XXXX only to hear that he thought underwriting may take until mid XXXX. 

Mr. XXXX then offered us multiple other options, all involving an equity loan on our residence. 

We are not interested in a home equity loan. We are only interested in a loan secured by the property we are purchasing, the loan we started out asking for in XXXX, but they are forcing us to either lose this deal because the sellers are ready to back out and take our deposit, or take what they offer. In addition to our deposit we would lose the money we paid for the survey inspection and appraisal, total over {$5000.00}. 

I will state that myself and my wife both have credit scores above XXXX, we own multiple properties with XXXX debt on them, one car loan of approximately XXXX and no other debt. We have substantial stock portfolio and our income is above XXXX. 

Is this a " Bait and switch '', it feels like one.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WV XXXX XXXX XXXX XXXX XX/XX/year> Credit Control XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mo XXXX Subject : Request for Verification of Debt Acct Number XXXX Dear Credit Control I am writing to formally request verification of the debt referenced in your recent communication regarding account number [ Your Account Number ]. In accordance with 15 U.S.C. 1692g of the Fair Debt Collection Practices Act, I request the following information : 1. **Original Contract** : A copy of the original contract or agreement, including my signature, that establishes my obligation to pay this debt. 
2. **Payment History** : A detailed payment history for the account in question, including dates and amounts of all payments made.

3. **Proof of Ownership** : Documentation that verifies your ownership of the debt.

4. **Verification of Original Debit** : Any documentation that verifies the original amount owed and any subsequent charges or fees.

Please provide this information within 30 days of receiving this letter. Until this verification this verification, I request that you cease all collection activities related to this debt.

In addition, I hereby request that you cease all collection activities related to this debt until the requested information is provided. If you choose to continue collection efforts without providing the requested documentation, I will have no choice but to consider legal action against your company for violation of my rights under the Fair Debt Collection Practices Act.

This letter serves as a formal notice of my intent to pursue legal remedies if you fail to comply with this request. Please consider this a cease-and-desist request for all collection activities until the requested verification is received.

I expect your response within 30 days of receiving this letter. Thank you for your prompt attention to this matter. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on m
y XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Payday loan, title loan, personal loan, or advance loan

I made arrangements to catch the loan up but had a family situation come up. They called me and my job multiple times everyday even after I had talked to them. I did not know they were calling my work as much as they were calling me until it was addressed by my supervisor. I requested them not to call there anymore. But apparently they still did because it was addressed again by me supervisor and I honestly thought i was going to lose my job because of it. I have asked them to come get the vehicle that I put up for the loan. They harrased me to get the loan calling me all the time talking me into taking it out. I can get dates to back all of this up as well as the emails from my supervisor.
Product: Credit reporting or other personal consumer reports

This is an account which Ive had for over 20 years Ive always had it on auto pay hence why there should be no late payments on this account however it shows XXXX XXXX days late. Even though the account has been closed now Ive contacted the company on numerous occasions to get this record corrected but they have refused. Ive also requested an accounting of my payments from the day my account was opened so I can verify that I have never been late. 

Also under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit account as late.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Credit card or prepaid card

I have make a purchase on my Citi XXXX credit card for XXXX XXXX XXXX XXXX for {$56.00} on XX/XX/2022. The company mistake charges me {$180.00}, which is the wrong amount. I open a CITI billing dispute the first time I found the problem on my statement. I send CITI the online receipt for the store who shows the actual charge of {$56.00}, and also the XXXX receipt which also shows the {$56.00}. However CITI decline my claim since the merchant sent them some proof, but that document did even not has my name on it. It is a purchase history from another person. I called CITI immediately and the representative said CITI will reopen the dispute for me. But Until now I still see that overcharge of dispute amount {$120.00} on my credit card statement. I feel really bad as CITI is not contacting me for trying to help their customer to dispute for something clearly wrong!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is showing a negative account being reported from 2012! this should not be on my report.

Wells fargo delear services is also doing the same thing Please erase files off of my report. Account is being shown inaccurately and hurting my credit report. 

I am a hard working individual that never misses a payment. All of my bills are paid on time. I can show my credit report to verify. 

I will attache where my dispute was approved after a through investigation from another bureau. Both accounts have been deleted from other bureaus. 

Please help me. Many Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

After doing some research I found out that under the FTC I can dispute errors on my credit report. Am I correct? Well I tried doing that with the credit bureaus after noticing several inaccuracies on my credit report. XXXX failed to initiate my disputes. Isnt that a violation? 

I noticed several inaccuracies 1. XXXX XXXX XXXX # XXXX The date this item went into collections is inaccurate. Also Ive never been contacted by this company. Please remove. 

2. XXXX # XXXX This company is illegally re-aging this account. Please remove. 

3. XXXX XXXX # XXXX Please furnish me with a medical release form or remove this debt. Ive never given anyone permission to share my medical information. 

4. XXXX XXXX XXXX # XXXX Please furnish me with a medical release form or remove this debt. Ive never given anyone permission to share my medical information. 

5. XXXX # XXXX There are SEVERAL inaccuracies with this account. The date opened is wrong. The balance and past due amount is incorrect. The date of last payment is also INCORRECT. Please remove this account. 

6. XXXX XXXX I have never been contacted by this company. Please remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 Account NumberXXXX Account Name : XXXX  XXXX  Account Number : XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit card or prepaid card

I received a mailer from Citibank in connection with my credit card. The mailer offered balance transfers and included checks to do so. There is a number provided if one does not wish to receive balance transfer checks in the mail. I have requested a stop to these letters in the past. I called this number multiple times to confirm that in fact it was the wrong number. For some reason this number forwards to a leasing office for some sort of housing facility called XXXX XXXX at XXXX. That is obviously preventing me from contacting office in order to fix this situation. 

The mail was received on about XXXX XXXX 2017. 

The phone number provided by city is XXXX XXXX - XXXX - XXXX, I called on Sunday XXXX XXXX, 2017. I also have a recording.
Product: Credit reporting or other personal consumer reports

I am writing to request that the following accounts and inquiries be blocked and deleted from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and as such, I am entitled to request the immediate removal of fraudulent accounts and inquiries from my credit history. 
The following accounts should be blocked and deleted from my credit file : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Amount : {$1700.00} Additionally, the following inquiries should be blocked and removed from my credit report as they were made due to unauthorized access stemming from the data breach : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

Dear Sir/Madame : I am reaching out to your establishment for assistance regarding Academy Mortgage Corporation and XXXX ( their loan sub-servicer ) unethical and unfair business practices, which have left me with unnecessary stress as a consumer ; and one of their actions had affected my credit history and made a negative impact in my relationship with my creditors. I made multiple attempts via emails to contact Academy Mortgage Corporation through their associate general counsel ; XXXX XXXX XXXX, but as usual ; XXXX XXXX did not assist in resolving this issue. In a letter dated XX/XX/2022, that I received 2 days ago, Academy Mortgage Corporation transferred my loan to another servicer in the wake of their mishandling of my mortgage and false reporting of my mortgage payments as being late due to their amortization process. 
Academy Mortgage CorporationXXXX mishandled my mortgage by giving me the wrong interest rate for 4 years and, when they decided to make the correction, XXXX reversed and reapplied my mortgage payments ( According to them ). During their reversal for proper reapplication/amortization process, Academy Mortgage Corporation/XXXX falsely reported all of my mortgage payments to the leading consumer credit reporting agencies as being late. It was brought to my attention by a creditor that a delinquent reporting of a real estate secured loan was found on my credit. I immediately reached out to Academy Mortgage so that they could contact the leading credit reporting agency to make the corrections of their false reporting instead, Academy Mortgage Corporation decide to dismiss my concerns by transferring my mortgage loan to XXXX XXXX XXXX, hoping that their action would silence me and/or neutralize my effort to resolve their false report. Please assist me in having Academy Mortgage Corporation, and their accomplice ( XXXX  ) contact the Consumer Credit reporting agencies, to remove their Late Payments false report off my credit. Thanks in advance,
Product: Credit reporting or other personal consumer reports

I have repeatedly requested records and documentation supporting their incorrect late reporting on my credit report. The company has yet to respond to my request or provide any of the requested documentation. 

Section 609 of the FCRA grants me the right to request and obtain all information pertaining to my credit report from the respective credit reporting agency, which includes detailed records of all payments made and missed since the inception of my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inaccurate information on my report that needs to be removed immediately. The credit bureaus keep disrespecting the laws and practicing unfair. I showed them on several occasions that they are violating areas of the Fair Credit Reporting Act. 

According to 15 USC 1681 ( 5 ) the credit bureaus have to modify and delete accounts that are not reporting accurately. 

According to 15 USC 1681b ( 1 ) the credit bureaus don't have my written permission According to 15 USC 1681 I HAVE THE RIGHT TO PRIVACY THERE ARE NO SUCH THINGS AS LATE PAYMENTS ACCORDING TO 15 USC1666b ( Remove any late payments reporting ) According to 15 USC 1681s- 2 : 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

These accounts are incorrect and needs to be removed from all credit bureaus IMMEDIATELY : XXXXXXXX XXXX XXXXXXXX ( XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX ( NOT MY ACCOUNT ) XXXX XXXX ACCOUNT : XXXX ( 30 DAY LATE PAYMENT ) XXXX XXXX XXXX XXXX : XXXX ( 30 DAY LATE PAYMENT ) XXXX XXXX XXXX XXXX : XXXX ( 30 DAY LATE PAYMENT ) XXXX XXXX XXXX XXXX, GA XXXX ( NEVER LIVED AT THIS ADDRESS ) XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( NEVER LIVED AT THIS ADDRESS ) XXXX XXXX XXXX XXXX, GA XXXX XXXX NEVER LIVED AT THIS ADDRESS ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( NEVER LIVED AT THIS ADDRESS ) XXXX XXXX XXXX XXXX, SC XXXX ( NEVER LIVED AT THIS ADDRESS XXXX XXXX XXXX XXXX XXXX, GA XXXX ( NEVER LIVED AT THIS ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( NEVER LIVED AT THIS ADDRESS ) XXXX XXXX XXXX XXXX, SC XXXX ( NEVER LIVED AT THIS ADDRESS ) XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX SC XXXX ( NEVER LIVED AT THIS ADDRESS ) XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ( NEVER LIVED AT THIS ADDRESS ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX ( NEVER LIVED AT THIS ADDRESS ) XXXX XXXX XXXX XXXX XXXX SALLEY, SC XXXX XXXX NEVER LIVED AT THIS ADDRESS ) ( XXXX ) XXXX ( NOT MY PHONE NUMBER ) ( XXXX ) XXXX ( NOT MY PHONE NUMBER ) ( XXXX ) XXXX ( NOT MY PHONE NUMBER ) ( XXXX ) XXXX ( NOT MY PHONE NUMBER ) XXXX XXXX ( REMOVE ) XXXX ( REMOVE ) XXXX  ( REMOVE ) XXXX XXXX XXXX ( REMOVE ) XXXX XXXX  ( REMOVE ) I have attached reports that needs to be corrected. I have requested reports from Equifax but they fail to comply. 

Remove all addresses reporting on my credit profile except XXXX XXXX XXXX XXXX XXXX Ga XXXX. No other address should be listed. They aren't mine. Delete all phone numbers from my report except XXXX. Delete all employment history as it is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Saw that there was an account I did n't recognize when I reviewed my credit report. XXXX/XXXX. I sent them a request for validation to prove it was mine because I do n't recognize them. They never answered. I sent it registered - I have proof they received my letter. However they never sent me a reply - after 30 days I sent the original letter as well as my proof of delivery over to XXXX, experian, and XXXX. They should delete this as this is not my debt. They say they have investigated and that it is mine. But how is that XXXXt/XXXX has listed a debt, they wont send me any information, how in the world can the agencies validate it? This debt is not mine, and if they can not provide me documentation proving this debt is mine, it needs to be deleted immediately by experian, XXXX, and XXXX. I am very frustrated and the inability to resolve this. Perhaps I should hire a lawyer. I will attach documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Afternoon, XXXX : ********* LOCAL, STATE, FEDERAL, AND MILITARY LAW ENFORCEMENT CONTACTED ************* ___________________________________________________________________________ With that said, I contacted Experian, directly ; as, I provided detailed information and data indicating that the following accounts are indeed Identity Theft, Fraud, and Mail Fraud. And, the accounts are to be deleted immediately per Federal Law. 

I reviewed my Consumer Reports and noticed that there was an inaccurate account ( s ) on my credit report ACCOUNT NAME : ACCT # _____________________ Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 
I contacted " EXPERIAN " ; " XXXX " ; and " XXXX " and, requested for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. 
This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.
Product: Credit card or prepaid card

I receive retirement benefits that direct deposited on a direct express prepaid card. I tired to make a payment on my XXXX XXXX XXXX wireless account and was declined. In contacting direct express customer service I was told I wasn't approved to make these kind of purchases because I'm not on the " White List? ", I then request to be added to this unheard-of White List and am told that she will put in the request and I will be able to make purchases again after approved. I am denied this privilege and I contact them again and now am told to email a picture of my State ID card and to wait for 2 emails one confirming they received it and the other approving it. I receive the confirmation email after waiting 10 business hours and am told to wait 3 more hours and re-email it if I receive no response. I jump through all these hoops and now am unable to make any purchases or bill payments. I now have an extra charge for my phone bill and service is shut off also my power and lights service is suspended because I can not make a payment
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently going to check out a new car at XXXX. After careful consideration I decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and approved for an extremely high interest rate. Which prompted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. 

XXXX XXXX {$880.00} XXXX   XXXX {$4600.00} XXXX XXXX XXXX {$53000.00} XXXX  XXXX XXXX {$430.00} XXXX XXXX XXXX {$150000.00} XXXX XXXX XXXX   XXXX {$28000.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$1000.00} XXXX/XXXX  XXXX {$0.00} XXXX  XXXX XXXX {$1600.00} BANKRUPTCY CHAPTER XXXXDISCHARGED XXXX {$0.00}