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

In accordance with the Fair Credit Reporting Act, The credit bureaus did not correct my accurate name, they did not update my current mailing address, list of accounts in violation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  HARD INQUIRIES LISTED WITHOUT MY AUTHORIZATION. 
Has Violated my Rights. 15 U.S.C. 1681 Section 602 A. that States I have the right to privacy. 15 U.S.C. 1681 section 604 A sec 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

In 2018 I was in a car accident and I rear ended and was found to not be at fault. Any medical bills from this accident should have been billed and paid by my car insurance provider XXXX XXXX. XXXX  XXXX is reporting a collection amount of {$860.00} on my credit report. Not only that but they have committed fraud by reporting it like it is a new debt as an opened account several times a month to purposely affect my XXXX XXXX. They reported as a new opened account to transunion on XXXX and caused my XXXX XXXX to drop XXXX points. This is fraud.
Product: Checking or savings account

I woke a check on the XXXX to a contactor for a roof job for XXXX and Bank of America returned the check with no notice. Contractor reached out for NSF and hot check. He called the police. I was almost arrested. Agents at Bank is so difficult to get a hold of. Took XXXX hours to get a hold to someone. I was hung up on and whn I did speak to someone supervisor XXXX in fraud.. he was rude and treated me like it was my fault. He said to get my legal team to reach his team. It was horrible treatment and service. He said I signed on the dotted line and they can return a check if they want. I was concerned of the treatment and no alert was provided. I had nothing to give the police. No proof that any alert was sent to me for flagging. The payment could not be provided to.the vendor and the vendor did not trust me to write another check.
Product: Mortgage

On XX/XX/XXXX I was offered a 3.625 % interest rate with an APR of 3.704 % on a conventional 20yr fixed with Lender Paid Mortgage insurance. It had no discount points applied to get to that rate. The Loan Officer had at this point gotten my Name, SS #, Address, expected mortgage, Home value, Credit score, and income. All the things you need for a true application. We locked that rate in on that day and I decided to proceed. 
This was a match or beat offer that got me to leave the company that currently was offering 3.99 % interest rate with 1 % discount point, APR was over 4 %. I thought this was a great deal. After the appraisal was completed and the initial underwriter review, it was discovered that I was offered a program that I did not qualify for. I was offered an interest rate on a XXXX XXXX Home Possible, but I make way too much money to qualify for that program. None of my information had changed at this point. 
Due to this fact to get the interest rate I was offered I have to pay .763 % discount points which is {$2600.00}. It took them 15 days to finally admit this mistake. Every time I followed up they would say its okay we're taking care of it, its a clerical error. 
I feel this was a bait and switch tactic to get me to go with this company and get me into the process so I was unable to switch back to another company with a better deal. 
Due to rising interest rates I am now unable to get the better deal a competitor was offering. 
I have also repeatedly received Loan Estimates and today a Closing Disclosure with missing an/or inaccurate information. I have repeatedly provided them with the correct escrow information for taxes, insurance, and information on the Title company I would like to use. They have repeated sent back inaccurate disclosures stating their system won't update it properly. 
This has also adversely impacted my ability to accurately determine what my closing costs should be and if I can afford to close. 
At this point they continually have been dragging their feet on getting required documents to close and I feel they may be trying to wait until the rate lock expires to get me to back out of the deal. The rate lock expires on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Collection/Chargeoff Other {$7000.00} Status Date Reported XX/XX/year> Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due Not Reported Account Details Original Lender XXXX XXXX XXXX XXXX XXXX Account Type Not Reported Responsibility Individual Age Of Account 1 Years, 1 Months Credit Limit Not Reported Highest Balance {$7000.00} Payment Details Amount Past Due Not Reported Date of Last Payment Not Reported Monthly Payment Not Provided Payment Frequency Not Reported Lender Info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Remarks Account information disputed by consumer, meets FCRA requirements. 

I am writing to formally dispute the validity of the collection account referenced above. According to my records and the information I have received, this account is [ inaccurate, incorrect, not mine, or otherwise invalid ]. Please consider this letter as a formal request to investigate and validate this account. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of this debt. Please provide documentation proving that this account belongs to me, that the amount is accurate, and that your agency is legally authorized to collect it. Additionally, I request that you cease all collection activities while this investigation is pending. 

If you are unable to provide valid documentation within the required 30 days, I request that this account be immediately removed from my credit report and that you cease all collection activities. Additionally, please notify the credit reporting agencies to update and delete this account from my file. 

I look forward to receiving your written response, including the requested validation, within the legal timeframe. Please communicate with me in writing only. 

Thank you for your prompt attention to this matter.
Product: Debt collection

On XX/XX/20 at approximately XXXX XXXX, I received a phone call from XXXX XXXX, the representative asked if I was XXXX and I asked who is calling he stated his name. I asked if he was a third party debt collector attempting to collect a debt and he kept asking me if I was XXXX. when asking who or what company is this, he said, Transworld Systems Inc. 

Also I asked him if he was a third party debt collector attempting to collect on a debt and he refused to provide that information. 

According to The Fair Debt Collections Practices Act ( FDCPA ) a debt collector is required to disclose during the call, that they are third party debt collector, attempting to collect on a debt and the above agency failed to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I called PNC bank at the customer service # XXXX talked wiith XXXX XXXX in XXXX2020 at XXXX XXXX   aproximately regarding a payment extension because i'am on an unpaid leave until further notice pending federal, state or county authorization to reopen because of the COVID 19 W.H.O. declared pandemic and US nationally declared emergency and he told me he was transfering me to collections department to resolve the issue, then XXXX answered at XXXX aproximately from the collections department i explained my issue and she told me that i will have a payment term extension and not pay nothing until XXXX2020 and a letter will be sent to me. 

I received the letter aproximately a week later from the XXXX2020 call and it states that in one of the terms and provisions that i may have a negative effect on my credit. I called immediately at the phone number on the letter which is XXXX when someone i assume a female voice answered ( who didn't give me time to ask her name by the way ) from PNC Bank collections department on XXXX XXXX XXXX XXXX2020 at aproximately XXXX i asked her that if my credit will be affected by this agreement and she rudely and in a cutthroat manner told me they dont work with credit reporting companies that i need to call them or handle it with them. I asked her for a manager and she told me that the manager will tell the same thing and in the second time i asked her she cut me off and sent me to a hold and then another customer service agent i think from collections named XXXX answered at aproximately XXXX am that day. XXXX told me that that is just a term or condition that is in the blanket agreement but that i don't have to sign it and send it. 

Also PNC bank sent me another letter stating : a Notice of Right to  cure and intent to repossess dated XXXX XXXX 2020 stating i need to pay XXXX2020 or they will be exercising their rigths under the law such as the rigth to repossess any property held as collateral and hold me personally liable or responsible for any diference between the sale of the property and the final balance. 
The CARES act specifically provides information and what to do regarding this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

three fraud accounts and inaccurate account are reporting under my equifax credit file. only equifax is the one who is reporting these inaccurate and fraud account under my name, please find attached my police report which shows i was a victim of ID theft at some point and also the FTC report, that i had faxed and mailed to equifax. thank you for your cooperation in this matter
Product: Credit card or prepaid card

My Citi Costco credit card will not be reissued and expired by the end of XX/XX/2020 due to a charge-off on another credit card account issued by Citi. I contacted Citi and informed that I paid the charge off amount of {$340.00} on XX/XX/2020 in good faith awaiting the result of pending investigation from their recovery department. However Citibank still decided to close my costco credit card which results in loss of all my reward dollars for the year 2020 in the amount of {$380.00}.
Product: Credit reporting or other personal consumer reports

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

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

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

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

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

15 U.S. Code 1682n ( b ) civil liability of a natural person I've been violated. 
My disputes are detailed and directly related to the accounts in question. A template response WILL NOT BE acceptable response. If, within XXXX  days after your investigation, you are unable to provide me with verifiable proof, you are obligated to remove erroneous and unlawful late payments on my payment history. Listed below These account should not reflect as negative : XXXX. XXXX  # XXXX YOU ARE NOT reporting 100 % correctly. You are violating FCRA. DELETE the late payments on my payment history ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate the effort of the XXXX XXXX to remove all the specified fraudulent inquiries from my XXXX credit report, and although 2 out of 5 fraudulent inquiries were removed from my Experian credit report it was still not enough so I NEED the Experian Credit Bureau to finish it by removing these remaining 2 fraudulent one. And regarding my XXXX Credit Report issue the Bureau have NOT REMOVED the only two fraudulent inquiries that I mentioned from the start, and I need the XXXX XXXX to remove them as soon as possible. I am requesting an assistance from CFPB to please help me in solving these issue, by making sure that the Experian and XXXX Credit Bureaus to remove these inquiries listed in these compliant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

While going online to pay my XXXX bill with Bank of America on XX/XX/XXXX I noticed a group of 5 charges on my account all 5 with a transaction date of XX/XX/XXXX and a posting date of XX/XX/XXXX. Each transaction was for slightly under {$150.00} ( {$140.00}, {$140.00}, {$140.00}, {$140.00} and {$140.00} ). The transactions were all from XXXX with the city of XXXX XXXX, CA. listed. I contacted BOA regarding the charges and they immediately cancelled that credit card and put a fraud alert on the charges on XX/XX/XXXX and started an investigation. I got a letter from BOA dated XX/XX/XXXX stating my claim was denied because they said " The merchant provided documentation confirming you received the merchandise or service. '' No other information was provided to me in that explanation letter. I called BOA again to get more information letting them know I have been with that credit card company for 26 years and that I had never ordered anything from XXXX and have never received any merchandise or services from XXXX. I wasn't even told what the merchandise or services were that I was supposed to have received. And I told them I would like to receive some type of proof that I actually received the merchandise or services to my address which is on the XXXX XXXX. They reopened my claim on XX/XX/XXXX but I wanted to also file my report with you. If someone was able to get hold of my name, credit card number and address I need to know where those goods or services were delivered and shown proof that any delivery service actually delivered those goods to my address.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX  XXXX Balance : {$590.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$110.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$650.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXX  XXXX USDOE/XXXX  XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX   XXXX XXXX/XXXX  XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX   XXXX XXXX XXXX  XXXX XXXX   XXXX XXXX XXXX XXXXXXXX XXXX   XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER ALSO THESE ACCOUNTS ARE UNDER BANK REPUTCY I NEVER FILED FOR ANY OF THAT IN MY LIFE THIS INFORAMATION IS FALSE I WAS VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Transunion on XX/XX/2018 at XXXX  CST and spoke with XXXX their representative. I explained to XXXX that I knew about the companies breach and that their were inquiries on my report that had been removed and are now back. I also stated that under the FCRA sections 6 and 11 anything deleted can not be reinserted without my consent and or knowledge, he in turn said he would not remove them. There are several inquiries
Product: Debt collection

I was providing information regarding Texas State Section 392.101 of Texas Finance Code prohibits a third party debit collector or has to obtain a surety bond. Information from XXXX, XXXX and XXXX reporting same information. 

I call at the company at the following phone XXXX on XXXX and again at XXXX XXXX call started out well. When I was trying to explain about the surety bond XXXX XXXX got upset. He told me once I located the information to call back. I located information at XXXX person put me on hold transfer to voice mail, which I left. I tried calling right and was block. 

XXXX XXXX stated that the collection does stop, if I request. 

I need this matter be taken care. I actual did not move into the property. I did apply and accepted but change my mind about living there.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX States I have the right to privacy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX years. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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.