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

Re : Demand for Deletion of Inaccurate Information in My Consumer Report To Whom It May Concern : I am writing to formally demand the deletion of inaccurate information being reported on my consumer file maintained by TransUnion. Specifically, I have identified erroneous information being reported by XXXX Bank that violates several provisions of the Fair Credit Reporting Act ( FCRA ). This inaccurate reporting includes mismatched addresses, phone numbers, and incorrect employment information. 
Under 15 U.S. Code 1681s2, Responsibilities of furnishers of information to consumer reporting agencies, XXXX Bank is prohibited from reporting any information to a consumer reporting agency if they have actual knowledge or reasonable cause to believe that the information is inaccurate. Additionally, under section ( a ) ( XXXX ) ( B ), if the consumer has notified XXXX Bank of inaccuracies, they must correct or delete the erroneous information. 
I have already informed XXXX Bank of these discrepancies and have provided them with the necessary evidence to demonstrate the errors. However, they continue to report inaccurate information, in violation of their duties under the FCRA. 
Furthermore, TransUnion is obligated under 15 U.S. Code 1681e, Compliance Procedures, to maintain accurate and up-to-date information in consumer reports. By continuing to report this erroneous information from XXXX Bank, you are in violation of this provision as well. 

The specific inaccuracies on my consumer file include : Incorrect address information Mismatched phone numbers Inaccurate employment details as reported by XXXX Bank TransUnion is required to follow reasonable procedures to assure maximum possible accuracy of consumer information. By failing to delete the inaccurate information provided by XXXX Bank, TransUnion is in violation of its legal obligations under the FCRA.As you are aware, continued reporting of inaccurate information is damaging to my credit, and as such, I demand that you immediately investigate this matter and delete the incorrect information from my file. I also request that you provide written confirmation that these inaccuracies have been removed, as well as a copy of the corrected consumer report. 

Please treat this as a formal notice under the FCRA and immediately correct the errors. If you fail to resolve this issue, I will be forced to take further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and seeking legal remedies available under the law.I look forward to your prompt action on this matter.
Product: Checking or savings account

According to the Fair Credit 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. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. Renasant BANK I have sent police report to Renasant Bank, Identity theft form, even sent email to XXXX that will be working the case no response. The company is aware that the account has been open fraudulent and still not willing to work with me to have account removed from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone got hold of my XXXX  XXXX card and used it. When I notice it I contacted the company right away to let them know, but for some reason they want me to pay for it. And they have a company by the name of XXXX XXXX XXXX contacting me
Product: Mortgage

I have written several conplaints against XXXX XXXX XXXX who sold my mortgage to Dovenmuehle Mortgage Inc, XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX in XX/XX/XXXX without my knowledge. I never had an escrow account because I pay the insurance & the property is tax exempt. When Dovenmuehle Mortgage INC purchase the Mortgage that 's when all XXXX broke loose. Dovenmuehle Mortgage Inc created an escrow account and added over {$7600.00} to my mortgage. Dovenmuehle Mortgage INC never reported this to IRS. As a matter if fact, Dovenmuehle Mortgage Inc reported to IRS that they were servicing the mortgage for XXXX XXXX XXXX  XXXX. We kept going back & forth even after I wrote them regarding the Notice of Error in maintaining my record & the overcharges. Dovenmuehle Mortgage Inc refuses to correct their record & return my money which was over charged. According to XXXX XXXX ( letter dated XX/XX/XXXX,  XXXX XXXX XXXX system is designed to rob me by charging XXXX cents oer month ( extortion ) The paperwork shows that during the transaction between XXXX XXXX XXXX & Dovenmuehle Mortgage Inc I was charged attorney 's fees & other charges associated wirh closing a mortgage loan ( I want all my money refunded ) Dovenmuehle Mortgage Inc applied pressure to me to accept their lian modification. They tried to foreclosure on me & made it almost impossible for me to get the Mortgage reinstated costing me almost {$20000.00} in attorneys fees with {$10000.00} going to XXXX XXXX XXXX attorneys. All my records registered with XXXX County shows XXXX XXXX XXXX XXXX, XXXX XXXX, NJ as the Lender. 
In an attempt to steal more money from me theu extortion, Dovenmuehle Mortgage Inc changed my contact with XXXX and XXXX XXXX XXXX send forged documents to XXXX as well as tried to use the mortgage clause to remove XXXX XXXX XXXX & add Dovenmuehle Mortgage Inc to the Insurance. Note ; this is only done when one purchase a new mortgage, refinance or does a loan modification. I, XXXX XXXX did none of that ( I did not purchase, refinance or did a loan modification ) On XX/XX/XXXX, I paid the initial deposit to XXXX XXXX XXXX via my agent, XXXX XXXX with arrangements for the remaining balance if {$1000.00} to be paid monthly. Dovenmuehle Mortgage Inc sent a check without any return address to pay the remaining balance. I called XXXX & told them to send the check back. This was done yet, Dovenmuehle Mortgage Inc still has an escrow created & refuse to send me back my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX Balance Owed : {$520.00} - I would like to confirm the payment history and status of this account. I believe this account is reporting inaccurate informations. I was never late on this account because I always make my payments on time. I keep my own payment records and the record you present do not match with what I have. I request a thorough investigation for this account and update for legal and lawful accuracy. Thank you. 

XXXX XXXX XXXX Balance Owed : {$28000.00} - I believe this account is reporting inaccurately. I do not believe I was late on the dates this account presents. I keep records of my payments and I always make my payments on time, I was never late. Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. I request an investigation and please update this account for lawful accuracy. 

XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} - Please investigate the way this account reports information. I do not recall being late on the dates this account presents. I always make my payments on time and I was never late. As per FCRA, reporting of account information must be accurate. I need this account investigated and updated immediately for lawful accuracy. Thank you. 

XXXX  XXXX XXXX Balance Owed : {$1600.00} - This account was showing an inaccurate payment history and payment status. A charge-off should show a XXXX balance. This inaccurate information continues to do harm to my credit. Please provide proof of the last payment. Otherwise, remove this from my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section XXXX ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law XXXX, Title VI, Section XXXX, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.
Product: Credit card or prepaid card

I received an email from Bank of America on XX/XX/2022 with a complimentary offer to switch to the Bank of America Unlimited Cash Rewards credit card. After making {$1000.00} in purchases I would receive {$200.00} cash reward. 

In order to receive the offer I would need to click the email offer and make the {$1000.00} purchase by XX/XX/2022. 

I clicked the email to acknowledge the offer and start the process. 

In addition, I called Bank of America to ask a rep on or around XX/XX/XXXX about making a {$1000.00} purchase before I actually received the new card since the numbers were all staying the same. The rep told me that would be fine and I would still receive the bonus. 

On XX/XX/XXXX or XXXX I called Bank of America to find out about the status of my {$200.00} bonus. I spoke to rep who was surprised I did not receive the bonus yet but assured me she would make a note in the file and open a case # XXXX. She never told me I would not receive the bonus or I had not met the spending requirements. 

On XX/XX/XXXX I called again to follow up when claim rep told me according to the notes I did not meet the spending requirements because my purchase was made before the card was converted. She told me to quickly spend {$1000.00} on that date since it was expiring on XX/XX/XXXX. I told her this was not what the last claim rep told me and if they had at least I would have more than 24 hours notice to do something.

I feel this company was playing a bait and switch game with their client.

I have a lot of accounts with them and may have to switch to another company that values their clients.
Product: Credit reporting or other personal consumer reports

I was utterly shocked and dismayed to find inaccurate accounts appearing on my credit report this morning. I checked it as I always do, but this time there were discrepancies I cant explain. I even tried refreshing my browser, thinking it might be a glitch, but that didn't fix anything. The errors remain, and XXXX really hoping that the documents I've sent will be reviewed thoroughly so I can stop worrying about this issue.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX, OHXXXX XX/XX/XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery Associates is erroneously reporting account number # XXXX to all three major consumer reporting agencies. I have tried to dispute directly with the consumer reporting agencies in which Portfolio Recovery Associates verifies as accurate. I then sent a series of correspondences, including a notice to validate, to Portfolio Recovery Associates to correct this issue in which they have sent me only itemized bills from the original creditor and incomplete " electronic files ''. They have failed to provide me with anything bearing my signature, or showing that i have ( or ever had some contractual obligation to Portfolio Recovery Associates
Product: Debt collection

I didn't take out any loans or I didn't take out a credit card, I tried to dial the bank but they can't solve my problem because I don't have information about anything, I just know that I have that debt in my credit I have all my debts in control except that one is ruining my credit. I dont know what date, I just know the amount was XXXX and went to XXXX $ the bank its ONE MAIN FINANCIAL
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report. to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by XXXX and the XXXX data breach and may have gotten into the wrong hands.
Product: Payday loan, title loan, personal loan, or advance loan

I contacted EasyPay Finance XX/XX/XXXX to get explanation why my statements are missing from XXXX XXXX, XXXX and XXXX to current XXXX. Since opening the account XX/XX/XXXX. I did report suspicious activity via email and of being blocked to access my account XX/XX/XXXX. I was told it would be fixed via phone and my account will not default the 90-Day finance interest option but nothing was done to rectify the situation but access was restored. 

As of today XX/XX/XXXX, No response to several phone calls and request for my statement access. Im told they CAN NOT send me hard copies or upload to my account either because they are from the past and the app is new.
Product: Checking or savings account

I got fraud from XX/XX/year> at Chase Bank, the fraud people charge my account for {$9000.00}. What they did is access my XXXX XXXX  Its a long story and chase bank knows about the situation
Product: Debt collection

This company reached out to about a debt that was turned to their company from XXXX XXXX XXXX which is an apartment complex. They start providing incorrect information with amounts that was incorrect lease information that was provided to them with incorrect and misleading information I was told that they were going to do an investigation once I sent them the correct information such as proof of the lease and pictures and the dates that I moved i sent that infromation to the XXXX XXXX did not hear a response back so i sent an email XXXX XXXX asking for a status about the debt. Someone reach out to me from the company stated that the manager from XXXXXXXX XXXX XXXX  has not responded I ask them what the statue is or a time frame that she has to respond the debt collector stated that they do not have a time frame and since they did not get a response from the other party they will have to move forward and sent it over to the credit bureaus and i needed to dispute it with the credit bureaus. I told her that was not fair she hung up the phone and they stop answering my calls and stop responding to my emails.
Product: Credit reporting or other personal consumer reports

The XXXXXXXX XXXX XXXX XXXX  continues to report as 30-59 days late on my credit report after numerous disputes and letters sent to the creditor and Equifax.
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, and XXXX have failed to provide documentation to proof the XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX belong to me. I have disputed these accounts directly with all 3 credit bureaus for over 12 months. Further, all of the account numbers at all 3 companies are not verifiable, high balances reported can not be corroborated because I have not received any reply correspondence from these companies!
Product: Credit reporting or other personal consumer reports

I am requesting the immediate removal and blocking of the unauthorized accounts from my credit report. I did not approve or create these accounts and am unaware of their origins. Under USC XXXXg, I ask that they be removed within 15 days. Please find the enclosed documents for your review.
Product: Credit reporting or other personal consumer reports

Self Financial Inc has reported my account as charge off. The account is charged off but they are still asking for funds and even using third parties to do so. When the account is charged off, the company no longer has the a debt. And the information such as the address and telephone numbers are inaccurate as well. My rights have been violated according to 15usc 1692g and 15usc 1681c-2
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, there was an overdraft transaction of {$52.00} done on my Checking Account ( as a line of credit ) that did not show up on any forms of statement online banking or phone banking. Further, the paper statements were not sent to my address as the bank did not use the correct address. 

Despite being an HSBC XXXX Customer, the bank, customer care or the Relationship Manager did not care to call on my phone reminding of such transaction and non-payment of such amount for over 60 days. 

Given that I was not aware of the transaction, nor was made aware by any statement or communication, it would not have been possible for me to make any payment for such a small amount. Eventually in XX/XX/XXXX, HSBC closed the Line of Credit Account and again no information or statement was provided. 

In XX/XX/XXXX, while reviewing my credit report, I noted HSBC has reported my payments being delayed by over 60 days thereby impacting my credit rating significantly. 

I then worked with HSBC phone banking representative to deduct the amount from my checking account and refund various late payment changes. 

While talking to customer care for XXXX Banking for multiple times, I was assured this will be rectified as the issue lies with the bank system and of no fault of mine. All late payment fees, and charges were thus reversed by the bank acknowledging this issue was with the Bank. 

I was asked to send my credit report to HSBC Business Service Division via Fax which I did per the instructions. 

Earlier this month, On XXXX XXXX, I received attached postal communication from HSBC Cards and Loans Customer service Team dated XXXX XXXX stating that HSBC is unable to remove the delinquencies.
Product: Mortgage

I have previously filed a complaint with your company. This is the reference number XXXX. My home equity account with Bank of America is XXXX. I missed your email notifying me of Bank of America 's response so I missed the opportunity to dispute its response. I did however begin working with XXXX XXXX, the person who sent the response and was assigned to be my case manager. I resubmitted all of the documentation to B of A, for at least the third time. In XXXX, he contacted me that underwriting was requesting information ( because I listed my wife as a partner on my company, they wanted her profit and loss statement, even though I had already given a profit and loss statement for the company showing no income to her, and had also given a statement to B of A about her total income for that year. ) I gave XXXX XXXX that info over the phone and he said he would check with underwriting. In late XXXX I was again knocked out of the program for not providing documents, in spite of my previous conversation with XXXX XXXX -- ( important note : the information underwriting requested could easily be ascertained from other documentation already in its possession. This unnecessary request fits B of A 's well documented bad behavior that resulted in the DOJ settlement ). I again contacted XXXX XXXX, he told me to send specific information, which I did within 24 hours ( I have to drive XXXX miles round trip to the nearest B of A or pay to fax from my computer -- something I have had to do numerous times in this process ). I have not had any more contact from B of A. I have contacted XXXX XXXX several times requesting an update and he has not returned my calls. 

I also want to again complain about not being included in the DOJ settlement. In the B of A response, they said that I was not eligible, yet they have refused to reveal what criteria they used to determine my eligibility. They simply say that if I had been eligible, I would have been contacted. What is certain is that I owed more than my house was worth when they began notifying homeowners about the DOJ settlement. 

I will also add that B of A 's actions have created a great hardship to me. My monthly payment is more than half of my income. I have been advised by lawyers to simply quit making payments, but I do not want to risk losing my home because I fell victim to B of A 's predatory loan practices.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  is reporting inaccurate and incomplete information on my consumer reports. I demand that XXXX XXXX XXXX  update my account as never late always on time 100 % payment history. XXXX XXXXXXXX is stating I didn't make a payment but on XXXX and experian it shows im always on time never late account in positive standing. this is damaging my credit score and my ability to get credit. this is also defamation of character please fix these issues asap. 15 USC 1666b Timing of payments states no late payments exist in a consumer report.
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/2020 I contacted experian, XXXX, and equinox about fraudulent loans being furnished on my credit report. After sending a police report, FTC fraud report, equinox deleted the inaccurate information but experian and transunion denied to fix the issue on several occasions after sending affidavits, police reports, fraud reports, court rulings, and phone calls. XXXX XXXX XXXX XXXX XXXX XXXX had lost a case for fraudulent loans. 

According to documents, all fraudulent loans were to be cancelled and cleared from reporting. That has not happened. 

This has caused adverse harm in seeking housing, and solid transportation.