23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The TransUnion credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and delete from erroneous reporting in my file are listed on my credit report : Bankruptcy XXXX XXXX Discharged XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence.

I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. I was never giving proper disclosures or the ability to optout of my info being shared. I have not benefited from any of these transaction. I believe I am a victim of Identity theft. Please block, delete and remove them immediately from my consumer report.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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.

Also, they aren't even in compliance with Metro 2 credit reporting.

I have evidence to prove my case!
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that 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 Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Debt collection

Dispute was submitted XX/XX/year>. The dispute results were supposed to be available by XX/XX/year>. 

It is XX/XX/year> and the results of my disputes are not available. As a consumer I would like to know my results in a timely manner.
Product: Mortgage

We applied for a mortgage loan through Ameris Bank. During the application process the loan officer, XXXX XXXX # XXXX, Senior Mortgage Loan Originator ) locked us into a rate and charged {$2200.00} without our knowledge. When I questioned hi about this, he responded " I locked 16 people in that day. '' We received the disclosure statement on XX/XX/25 which included the rate lock with corresponding fee. When I informed XXXX XXXX of this, he responded, " no changes can be made to the disclosure statement at his level. When a customer change their mind, it has to go to a higher level to be changed. '' I stated, " We did not change my mind. We never asked for a rate lock. We never discussed a rate lock and we are not paying {$2200.00} for a rate lock at 2.99 %. When other financial institutions are offering rates at and below 2.99 % without fee. 

When we realized he was trying to cover his actions by suggesting that we changed our minds, we decided not to sign the disclosure statement. We felt our trust was violated and we decided to get the mortgage through our bank. 

Because Ameris bank is one of the builder 's " preferred Lenders '' switching the mortgage to our bank resulted in a loss of {$6500.00} in builder contribution to closing costs. 

I reported the incident to XXXX XXXXXXXX XXXX  manager, XXXX XXXX. He stated that he would do an internal investigation and get back to me. He has not reached out to me again.. 

It appears XXXX XXXX has been operating in this manner as a normal business practice. This must be stopped immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for an equity line of credit on my home and wasn't able to get it I have plenty of accounts that are fraudulent and inaccurate on my credit report. I wrote to Equifax, XXXX and XXXX. I made them aware of the fraud and inaccurate accounts I will attached the letters to the complaint. I haven't received a response as of yet this is a critical situation. 

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), 15 U.S. Code 1681c2 - Block of information resulting from identity theft 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. 
The following personal information is incorrect Account Number : Former : XXXX, XXXX The following personal information is incorrect Account Number : Also Known As : XXXX, XXXX The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXX CT XXXX The following personal information is incorrect Account Number : Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXXXXXX NY XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2020 The status is incorrect for the following account XXXX XXXX XXXX XXXX Account Number : XXXX The following personal information is incorrect XXXX  XXXX Account Number : XXXX The following account is not mine XXXX Account Number : XXXX The following account is not mine XXXX XXXX Account Number : XXXX 15 U.S. Code 1681c2 - Block of information resulting from identity theft XXXX XXXX Account Number : XXXX Identity Theft XXXX XXXX XXXX 
Account Number : XXXX 15 U.S. Code 1681c2 - Block of information resulting from identity theft XXXX XXXX Account Number : XXXX 15 U.S. Code 1681c2 - Block of information resulting from identity theft Identity Theft XXXX XXXX Account Number : XXXX 15 U.S. Code 1681c2 - Block of information resulting from identity theft Validate Account XXXX XXXX Account Number : XXXX remove it from my credit report. 

Validate Account XXXX Account Number : XXXX remove this inaccurate information from my credit report. 

The following information is outdated. I would like it removed from my credit history report XXXX XXXX XXXX XXXX Account Number : XXXX delete from my credit report. 

The following information is outdated. I would like it removed from my credit history report XXXX XXXX  XXXX XXXX Account Number : XXXX delete from my credit report. 

Identity Theft XXXX XXXXXXXX. 
Account Number : XXXX 15 U.S. Code 1681c2 - Block of information resulting from identity theft The status is incorrect for the following account XXXX XXXX  Account Number : XXXX delete from my credit report.
Product: Bank account or service

I opened a checking account with Citibank and was promised a signup offer of XXXX XXXX XXXX Miles to be posted after meeting certain criteria. I have met these criteria and received a letter stating that I qualified for the bonus AND met the criteria. Only recently that I had inquired about the missing miles, that I was told that I had not qualified for this offer even though I have a written letter from Citibank that I qualify for the bonus as well as confirmation of meeting the requirements. It is wrong that Citibank decided to change their minds after I opened the account and met the requirements.
Product: Credit reporting or other personal consumer reports

Thank you for addressing some of the inaccuracies previously noted on my credit file. However, I remain concerned that not all measures required by the Fair Credit Reporting Act have been met in your review process. I am concerned that some items still need to be correctly resolved to ensure the utmost accuracy of my credit file. Thus, I am requesting a further investigation into the specific account listed below : XXXX XXXX  XXXX XXXX Balance Owed : {$510.00}. Should your investigation fail to verify the accuracy of the disputed information, as per my rights under the Fair Credit Reporting Act 15 U.S.C. Section 1681i, I insist on a reevaluation and correction of this account. Please provide me with the names and addresses of the individuals contacted during the investigation. As outlined in 15 U.S.C. Section 1681i ( 5 ) ( A ), you are allotted fifteen ( 15 ) days from the date of this letter to complete these tasks unless I am notified otherwise. A failure to confirm these details within this period will be regarded as non-verification, and the items must be corrected immediately as specified in Section 1681i ( a ). Furthermore, in accordance with 15 U.S.C. Section 1681i ( d ) of the Fair Credit Reporting Act, please inform me when the items have been corrected or removed. Once completed, kindly send an updated copy of my credit report to my address as previously noted.
Product: Debt collection

A fraudulent Wells Fargo account was opened in my name. I have disputed the account with Wells Fargo for a years time. Wells Fargo failed to provide any documentation proving I set up this fraudulent account. No signed contract, no request for the account to the set up. No documentation whatsoever to prove this account belongs to me.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Personal Information : Also Known As : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX Former : XXXX XXXX XXXX XXXX Previous Address : XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXX Collection/Charge Off : XXXX XXXX XXXX XX/XX/XXXX {$1700.00} Late Payment : XXXX  XXXX XXXX XX/XX/XXXX {$510.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. But despite all the complaints I sent to CFPB and Transunion, nothing has changed! So once again, I would like to request the correction of these items from my credit reportUnder Section XXXX, restrictions on investigative consumer reports [ XXXX U.S.C. XXXX ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. The accounts that should be adjusted are as follows : NC XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX
Product: Credit reporting

i disputed inquiries that were not made by me however i have not heard back from them
Product: Debt collection

Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 

Account Name : GM FINANCIAL XXXX : {$25000.00} XXXX XXXX : XX/XX/2017
Product: Student loan

Hi, My Federal student loans were transferred from XXXX to Fedloan Servicing in XXXX 2016 due to my application for the Public Service Loan Forgiveness program. 
To start off, my income-based repayment plan was never transferred over to Fedloan Servicing. I was told to apply for the repayment plan again. 
This morning ( XXXX/XXXX/16 at XXXX ) I received an email saying : " Welcome to FedLoan Servicing Based on your interest in the Public Service Loan Forgiveness ( PSLF ) program, we are in the process of transferring all of your U.S. Department of Education owned student loans to us for servicing. Having all of your loans with FedLoan Servicing will make it easier for you to manage your loans and track your progression in the PSLF program. '' On XXXX XXXX, 2016, I received the first email saying : " Your student loan payment is over 30 days past due. 
Contact us today to discuss your options. 
Hello XXXX : Your student loan account is a month past due. That means collection activities will continue. Send your payment as soon as possible to avoid emails, letters, and calls. '' On XXXX XXXX, I made a payment which was due on XXXX XXXX : Payment Amount : {$770.00} Payment Date : XXXX/XXXX/2016 Checking/Savings Account : **** Confirmation Number : XXXX I confirmed to make sure this was taken out of my account. 
I have another payment due XXXX XXXX of about {$300.00} ( I resubmitted my income-based repayment plan a couple months ago ). 
My mother as well as my in-laws both received a call today stating that my loan from Fedloan Servicing is past due. The caller left the actual Fedloan Servicing phone number ( XXXX ). I did call this number just now and kept pressing '0 ' to be transferred to someone in customer service as I did not want to provide my account number or social security number ( I was being cautious ). 
The statements that I am receiving in the mail I believe are the correct statements. 
I have heard the Fedloan Servicing is terrible with a bad reputation and when my loans were first transferred to them, I had an awful customer service experience on the phone. I just want to make sure that this is n't going to effect my credit. I do n't know what is and what is n't a scam at this point. I do n't know if this is just them being " terrible '' or if it is an actual scam.. 
Thank you for your help
Product: Credit reporting, credit repair services, or other personal consumer reports

Affidavit of truth sent to company listed on promissory note. Does not match company on consumer/credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX XXXX XXXX XXXX XXXX I am including it again., 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 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: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you because I found accounts on my credit report that does not belong to me. I am not sure how this information was placed on my credit report but I need it removed immediately. I contacted credit bureaus to investigate and give me evidence of ownership but they are not complying.. I want you to please get rid of this information as soon as possible and notify me when you do this so I can go ahead and apply for the things I have to apply for XXXX ( Original Creditor : XXXX XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

Dear IC System I hope this communication finds you well. I am writing to address serious concerns regarding potential security fraud associated with my investment with IC System and the actions taken by XXXX XXXX XXXX, a third-party debt collector. As an investor, I provided IC System with an asset-backed security, aligning with the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 16815-2. IC System, as the original creditor, is obligated to furnish accurate information to credit reporting agencies. The absence of a system to verify billing statements with investors, as outlined in 15 U.S.C. 1666 ( b ), raises significant questions about the permissible purpose for reporting such information without explicit written consent or a court order. IC System, a third-party debt collector, I want to emphasize UCC Article 9 - Secured Transactions ( 9-609 ). This section mandates that a secured party must conduct enforcement in a commercially reasonable manner. 

The discrepancies in my billing statements suggest a potential violation of UCC Article 9 ( 9-609 ) guidelines by IC System. Moreover, a critical issue in the billing statements has come to my attention. 

A billing error is present, portraying my dividend check inaccurately as an amount I am required to pay. 
This misrepresentation is a serious concern and constitutes security fraud, distorting the nature of my financial obligations. 
I request a thorough investigation into both the security fraud concerns and the billing statement error. 
This investigation should include a comprehensive review of my account, along with a XXXX audit, to ensure transparency and validate the financial details associated with my investment. I must also highlight that IC System is attempting to collect a debt I never owed.
Product: Credit reporting or other personal consumer reports

Equifax has yet to remove inquiries listed on my credit report that i never use or applied for these inquiries are hurting my credit rating and should be remove asap
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written to XXXX, Transunion and XXXX regarding an account they have published on my credit report from XXXX XXXX XXXX. I have gone through the proper channels of disputing this account and have only received a " account verified '' response from them. I DO NOT NOR HAVE I EVER had an ACCOUNT or CONTRACT or anything of the sort with XXXX XXXX XXXX and therefore DO NOT OWE this company ANY debts. XXXX, Transunion and XXXX have FAILED to properly investigate the validity of this claimed debt that is damaging my credit.
Product: Mortgage

Specialized Loan Servicing has refused to have their attorney contact us. They did not respond to the breach of contract of charging over the Kentucky State Usury Law that is 8 % and is in their contract ( page is attached ) the employees are not trained to address this nor do they understand the complaint. 


PLEASE HAVE AN ATTORNEY RESPOND TO US!
Product: Bank account or service

Sometime between XX/XX/XXXX and XX/XX/2015, Citizens Bank switched our checking account from Circle Checking to Premier Checking without our knowledge or authorization. The new type of account has a monthly fee, so Citizens Bank assessed a $ XXXX monthly fee from our account. I called " XXXX '' at XXXX who assured me that he would rebate the money and switch us back. He rebated the {$25.00} but the next month, Citizens Bank assessed the {$25.00} fee and we were still in Premier Checking. I called XXXX again, and again he promised to remove the fee and switch us back. Even he called this practice " unacceptable. '' I want something in writing to confirm this and say it will NEVER happen again. I also want to file charges that the bank attempted to steal our money. This is not the first time Citizens Bank has stolen money from us. Citizens Bank took our $ XXXX insurance check from XXXX XXXX and deposited it into an escrow account and denied us access to it. Our mortgage agreement with XXXX did not allow this practice. We had to refinance our loan with XXXX XXXX in order to get that money back. During that process, Citizens Bank broke the PA State Law by denying us a written payoff amount, thus thwarting our attempt to refinance with another bank. We had to threaten our local branch with criminal charges in order to get the payoff amount. I want to know why Citizens Bank is allowed to flagrantly break the law, steal money from its customers, and change its policies arbitrarily. Please tell me that you will police this bank and enforce the law.
Product: Debt collection

On XXXX/XXXX/17 I obtained a copy of my credit report from XXXX and noticed that XXXX has allowed a collection agency named Regional Adjustment Bureau to insert in and duplicate a debt that is already listed on my credit report with the XXXX. SO now the debt is listed twice! Different amounts different dates! What is happening is that the original company ( XXXX XXXX ) account is near its time of deletion from my report, and they have sold my account to a collection agency in which I have " NO CONTRACT WITH '' and now the debt is listed twice! A clear violation of law! Regional Adjustment Bureau has illegally added this debt to my credit report. Every few months another company buys the debt which now its ( Regional Adjustment Bureau ) reinserts it changes the dates and amounts and list it negatively on my report again. Most recently they have not payment history for the last 2 years but have the debt listed as being open in XXXX and a balance of XXXX as of XX/XX/XXXX. This is NOT true and a total lie in an attempt to ruin my credit. I have NEVER received any correspondence from Reg Adj Bureau and want this removed from my XXXX Credit Report asap! This is against the law. They have violated the FCRA Section XXXX ( a ) ( 3 ) and FDCPA Section 807 ( 8 ).