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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Subject : Dispute of Inaccuracies on Credit Report To whom it may concern, I am writing to formally dispute certain information that appears on my credit report, which I believe to be inaccurate, incomplete, or unverifiable. I respectfully request that you investigate the following inaccuracies, and in accordance with the Fair Credit Reporting Act ( FCRA ), remove or correct the erroneous entries.

The inaccuracies I have identified are as follows : XXXX. XXXX Account # : XXXX Discrepancy : Incorrect history payment Under 15 U.S.C. 1681i ( FCRA 611 ), I have the right to dispute information on my credit report that I believe to be inaccurate or incomplete. The credit reporting agency must investigate my dispute within 30 days, and if the information is found to be unverifiable or incorrect, it must be deleted.

Additionally, under 15 U.S.C. 1681b, a consumer reporting agency is only permitted to furnish consumer credit reports for certain purposes, including when the information is accurate and when the user of the report has a legitimate business need to access it. If an account listed in my credit report can not be verified or is found to be inaccurate, it no longer meets the criteria for permissible use under this section. Therefore, it must be removed from my credit file to ensure compliance with the law.

Furthermore, 15 U.S.C. 1681e ( b ) requires that consumer reporting agencies maintain reasonable procedures to ensure the maximum possible accuracy of the information included in a consumer 's credit report. If an inaccuracy exists that can not be verified or substantiated, the reporting agency has a responsibility to correct or remove it. Failure to do so constitutes a violation of this section of the FCRA.

Finally, under the Fair Debt Collection Practices Act ( FDCPA ), specifically 1692e ( False or misleading representations ) and 1692f ( Unfair practices ), it is illegal for creditors or debt collectors to report inaccurate or misleading information to consumer reporting agencies. The failure to correct inaccurate data is a violation of these protections and may result in legal consequences.

I request that you conduct a thorough investigation into this matter and correct or delete the inaccurate entries from my credit report as required by law. Please notify me in writing of the outcome of your investigation.

Thank you for your attention to this matter. I expect a prompt resolution in accordance with the FCRA and FDCPA. 

Sincerely, XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

hello i wouls like to state i XXXX XXXX pay my bills on time i have all my bill confirmation and receipts and there are false errors in my credit report making my credit bad never had a credit card or been in any type of dept i would like my credit score to be investigated i feel its to low for the bills that i payed off my info XXXX XXXX XX/XX/1986 XXXX XXXX Address XXXX XXXX XXXX i would like to file suit for Defamation of Character XXXX equifax XXXX and XXXX have not giving me my correct credit score i would like it to be fix i should be allowed monetary compensation under the FCRA act i have lost assets do to this false credit report the next complaint about my false credit errors goes fedreal trade commission
Product: Credit card or prepaid card

Problem : I spoke with Discover on or around XX/XX/XXXX and advised I was sending an over night payment and need their address for such. I advised them I was going to be traveling that Friday and needed my funds on my card immediately, I was then advised as long as my payment was rcvd before XXXX XXXX EST it would process that night and be available next morning by XXXX, that didnt happen, so I contacted customer service and spoke to a rep and a manager named XXXX out of Ohio, I explained the urgency of my payment needing to post because I was headed to airport and when I arrive to my destination I would need a rental, I provided her my USPS tracking number, XXXX, she looked it up and said they rcvd my package at XXXX XXXX on the XXXX, she then tried reaching her batching dept with no success, she then advised that the company could do an manual authorization when I reached rental car company only if the location can do manual authorizations, so I immediately called Discover when I arrived as instructed and got their AZ location and spoke with another manager and advised him of my situation and what previous manager advised me to do, he stated there were no notes regarding that conversation and it only stated my  previous call was only about payment, he then placed me on hold and checked with his billing dept, they said no payment pending, so he advised he could not push a manual authorization thru unless pmt was pending, I was left for dead at this point. So now 4 days have passed, its XX/XX/XXXX and  after 5 calls to managers, no one has located my payment, although it was clearly received by their organization and not processed. We are now stuck having to pay friends and family back, for hotel and car charges while traveling, since all my money was sent to Discover for our travel cost and Discover advised me they have no policy to locate a lost overnight package.they cant even contact their mailroom. No one took initiative to resolve my problem and my money is just lost within their organization, no follow up from management or since of urgency from Discover. Managers where horrible, never actively listened to my situation nor notated account properly.
Product: Debt collection

Please be advised I have request " validation '' { not verification } of an items reported to the credit bureaus by RMG creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA. 

RMG, did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATIONS of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law.
Product: Credit reporting or other personal consumer reports

My mortgage company continues to falsely report late payments on my Experian credit report and it is deeply impacting my credit worthiness. I tried to work with them directly but they actually CONFIRMED the inaccurate reporting. Under FCRA 15 USC 1681s-2 ( a ) all information must be accurate and they have literally verified they are inaccurately reporting my payment status.
Product: Mortgage

I was approved for a loan from CityWorth Mortgage on XXXX/XXXX/XXXX. My agent sent the loan officer XXXX XXXX the contract on XXXX/XXXX/XXXX. It took him weeks to get started with the loan process. On XXXX/XXXX/XXXX my realtor reached out to him again to see if he started working on the file, but he would not respond to her. On XXXX/XXXX/XXXX he started working on the file. XXXX/XXXX/XXXX he advised the appraisal came back with repairs. On XXXX my agent emailed him to advise repairs were made and for him to order re inspection. he advised it was reorder XXXX. On XXXX/XXXX/XXXX my agent spoke to the appraiser who advised he never received a request to go back to the property. On XXXX/XXXX/XXXX my insurance info was emailed to him. On XXXX XXXX, he had all documents he requested. On XXXX/XXXX/XXXX I sent him documentation I was now receiving XXXX, resent XXXX XXXX, and bank statement .XXXX would not respond to use for over a week. We have emails showing from abt XXXX to XXXX XXXX would not provide updates. On XXXX my agent as for his supervisor, no reply from XXXX. On XXXX XXXX states he needs a clear copy of funds ( which was a gift to close ) leaving my sons acct. That was provided multiple times. XXXX said XXXX the file was in underwriting. On XXXX the processor sent an email asking for pay stubs, bank statements, tax transcript, and insurance information all over again. On XXXX my agent again ask for number for the corporate office so we can file a complaint no reply from him or his supervisor with the information. On XXXX XXXX his supervisor advised my agent this file never went to underwriting. He also advised they are denying the file. There are so many things wrong with this process. They did not process this in a timely manner. They did not communicate and update correctly. Finally they denied my loan but i am still employed and I have XXXX income. I feel like this is discrimination. After being denied on XXXX/XXXX/XXXX I asked XXXX for a copy of my file I received no reply.
Product: Debt collection

I am on XXXX and social security only and was garnished from my checking account money that had been gifted me to pay rent in the amount of XXXX and now they are trying to do this again. I called and checked on the debts they were garnishing for and was told I had a XXXX balance. When I called and talked to the attorney 's office, they said they were collecting for interest and fees over the past 4 plus years owed just to them, even though the debt was paid off. They did not care if I was not employed and on XXXX or social security. They are now threatening to do this to me and again I found out the debts were at a XXXX balance, and I had paid them off. One being a medical bill to XXXX XXXX for XXXX account number XXXX dated XX/XX/XXXX in the amount of XXXX. Attorney Edwin B Parry is now charging XXXX in interest and XXXX in interest. bring the total to XXXX. XXXX The other is XXXX XXXX acct # XXXX the amount of XXXX as of XX/XX/XXXX. I was told by XXXX this debt was paid off by a security deposit and at a XXXX balance. I am now being charged interest on this as well bringing the total to XXXX. 
When I try to discuss this with Attorney XXXX XXXX office, they are rude, and basically call me a liar and low life, one particular man by the name of XXXX repeatedly hung up on me and would not let me even talk.and then blocked my number so I could not get through to the office. This is the office in which I feel I was harassed and garnished. 

The Law Office of Edwin B. Parry XXXX XXXX XXXX XXXX Utah XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently look at my consumer report and notice that i have inquiries on my report that doesn't belong to me and was recently denied credit because of this Please remove them asap with in XXXX business days : XXXX, XXXX, EXPERIAN, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Dear CFPB, I hope this letter finds you well. I am writing to bring to your attention a matter of great concern related to the recent data breach involving XXXX, in which my personal information was compromised. As a consumer, I am deeply unsettled by this incident and am reaching out to request that my full credit report be cleared to mitigate any potential damage that may arise from this breach. 

As you may be aware, the XXXX data breach has affected countless individuals, including myself. I have received notifications indicating that my sensitive information, including my Social Security number, date of birth, and financial account details, may have been exposed. This breach raises significant concerns about identity theft and unauthorized access to my credit profile, which could have serious repercussions on my financial wellbeing. 

Given the magnitude of this breach, I believe it is essential to take proactive measures to protect my credit and financial health. Therefore, I kindly request that my full credit report be cleared. This action would help safeguard my information from potential misuse and provide me with the peace of mind that my financial identity is secure. 

I appreciate the work that the Consumer Financial Protection Bureau does to protect consumers like myself, and I trust that you will treat this request with the urgency and seriousness it deserves. If you require any further information or documentation from my end, please do not hesitate to contact me at the provided phone number or email address. 

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

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

A debit collection company called " XXXX XXXX XXXX '' is reporting to my Equifax Credit report for a debit. They are claiming that this debit is from a hospital bill from XX/XX/XXXX and became delinquent in an or " opened '' in XX/XX/XXXX. They are telling me it will remain on my Equifax report until XX/XX/XXXX. This account is actually from XX/XX/XXXX and became delinquent in XX/XX/XXXX. This has been on my report for over 8 years any should have already been removed. I have contacted Equifax by phone, email, and US post office 7 times. They will not help and XXXX XXXX keeps reporting in Accurate information to them. Please help. 

My name is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my reports and noticed you are reporting the incorrect ( date opened ) the incorrect ( high credit ) the incorrect ( last report ) the incorrect ( date last active ) the incorrect ( date of last payment ) the incorrect ( account type detail ) ( for this account ( XXXX XXXX XXXX  ). Because the ( date opened ) and the ( last reported ) and the ( date last active ) ( and the ( date of last payment ) and the ( account type detail ) being reported by your company and XXXX and XXXX are different, this means the account has not been properly verified. Please delete this account immediately. 

Theres also a copy off my updated credit report provided.showing these inaccuracies
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several hard inquiries on my credit report, some of which I did not authorize. My personal information was sold while I was shopping for a mortgage, leading to multiple credit inquiries that have negatively impacted my credit score. I have already reported this fraudulent activity to the Federal Trade Commission ( FTC ) for further investigation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX Date : XX/XX/year> Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX, TX XXXX Subject : Cease and Desist Violation of FCRA Regarding Inaccurate Payment History and Closed Accounts To Whom It May Concern, I am writing to formally demand that Experian immediately cease and desist from reporting inaccurate and misleading information on my consumer credit file. Specifically, my credit report contains incorrect payment history and closed account information, in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Account ( s ) in Question Creditor Name : All Closed Accounts and Payment history on said closed accounts Nature of Dispute : Incorrect Late Payment Reporting, Closed Account Still Showing as Open, etc.

FCRA Violations by Experian Under the FCRA, Experian is required to report only accurate, complete, and verifiable information. The continued reporting of false payment history and/or misclassified closed accounts is a violation of the following sections : 15 U.S.C. 1681e ( b ) Maximum Possible Accuracy Credit reporting agencies must ensure that the information they report is factually correct and does not mislead lenders or consumers. 
Reporting late payments on an account that was already closed, or misrepresenting the account status, violates this requirement. 
15 U.S.C. 1681i ( a ) Duty to Reinvestigate Disputed Information When a consumer disputes an item, Experian must conduct a reasonable reinvestigation within 30 days and delete any unverifiable information.

If Experian has already been notified of these errors and continues to report them, this is a clear FCRA violation.

15 U.S.C. 1681s-2 ( b ) Duty of Furnishers to Correct and Update Information If Experian received verification from the data furnisher that the information is incorrect or unverifiable, but still refuses to correct it, this constitutes willful noncompliance.

Demand for Immediate Action I am demanding the following corrective actions : Immediate removal or correction of the inaccurate payment history and/or closed account reporting. 
Written confirmation that the errors have been corrected and will no longer be reported to lenders. 
Cessation of any further reporting of inaccurate data regarding these accounts. 
If Experian fails to comply within 30 days, I reserve the right to pursue legal action for damages caused by these violations, including but not limited to, harm to my creditworthiness and financial opportunities.
Product: Debt collection

I have sent LVNV FUNDING LLC a cease and desist and asked for validation of the alleged debt. Instead they did not comply with what I asked for in reference to validation of the alleged debt ; nor did they comply with the demands of stop negatively reporting to Credit Bureaus and XXXX me the consumer XXXX, XXXX, and XXXX. I have not been able to get extensions on credit due to the negative reporting. The company also tried to sue without proper notification and signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are reporting inaccurate 30 days late. I was never 30 days late on the following accounts : XXXX XXXX XXXX 30 days in XX/XX/XXXX XXXX - 30 days in XXXX, XXXX, XXXX and XX/XX/XXXX 2020
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to trans union about a serious of inquiries on my credit report that took place on XX/XX/2021 and XX/XX/2021. It appears someone tried to get a approved to purchase a car in those two days. I explained to them that the inquires were fraudulent and I spoke with the companies about it. Its been 4 months and I have yet to receive a resolution from trans union of the companies.
Product: Mortgage

Home Point Financial Corporation is {$300.00} over the amount my mortgage should be. They estimated the taxes at over {$4000.00} a year instead of just over a XXXX dollar. The mortgage was issued in XXXX of XXXX. I've been trying to fix this issue since then. It is XX/XX/XXXX now. I have called them multiple times, even waited a whole year because they said they were collecting the extra money because they were anticipated for the taxes to go up. This was a lie, and they still refuse to fix this issue. 

Home Point Financial is collecting money from me that I am not sure what they are using for, are they making interest on this money, are they lending it to others. Either way, they are getting free money to do whatever they want with it. If they are taking my money and not paying interest on it, I am sure they are doing the same to others as well. I XXXX ' think this company should be allowed to treat their customer as they treated me. This is the last resort. I hope others can learn from this so they make other choices when selecting a mortgage company.
Product: Debt collection

Someone use my identity two years ago to get a car they checked XXXX financial place to be approved I guess home credit was the one to approve them they got the car and now they continually contacting me to pay the bill when I pay for all my car cash and used I contacted the credit bureaus about theses list of inquiries before I got ask XXXX??? But they were never took off r handle when I contacted the place about it they sent me a letter saying the car was sold at a private sale but what that has to do with my identity being use without my approval
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment reported to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 

XXXX XXXX AND XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section XXXX ( b ). 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

I was involved in an investment opportunity and has wired the following 3 wires from my Wells Fargo Account to XXXX and later find out that it was transferred to Scammer 's account that I couldn't transfer back or can't withdraw. I have tried to get help by Wells but kept on denying my request. See attached complaint letter for more detail. 

1. {$5000.00} XXXX on XX/XX/XXXX Case # XXXX 2. {$3000.00} XXXX on XX/XX/XXXX Case # XXXX 3. {$32000.00} XXXX on XX/XX/XXXX Case # XXXX Thanks, XXXX XXXX
Product: Credit card

I have been a customer of Bank of America for decades. I have been using their credit card to survive, but the interest rates are always too high. Many times over the years, as a good paying customer, I requested interest rate reductions and they always refused. I had to keep transferring balances. Im basically using the card for groceries and other living expenses. Now, I am on XXXX with limited income, and life is getting too expensive. 
I have been trying in vain for XXXX hours now trying to reach a human on the phone, and XXXX cant. I request callbacks and calls go right to voicemail and then I have to start the whole process over. This is absolutely unacceptable. I am trying to work with them to reduce my charges so I dont have to go bankrupt and they are not answering any phone numbers, and keep getting put on hold with outdated redundant messages circa 2005, when it was last this ridiculous to get a human on a phone line. It should NEVER, EVER take one many hours in vain to reach a live human in order to resolve an issue before it becomes a bigger problem. I also want all of the banks to do a cancel credit card interest debts for Americans like all the little rich college kids got their student loans excused.
Product: Credit card or prepaid card

Venmo Someone opened a fraudulent account with XXXX and used my venmo debit card to charge {$1200.00}, I contacted XXXX  and they came to the conclusion that this was a fraud account and they closed the account said there would be no charges I submitted a dispute with venmo and they refused to accept the fact that it was a fraud account and they denied my claim of fraud, they charged me the {$1200.00}