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

Your Name : XXXX XXXX XXXX XXXX. 
Your Address : XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX : XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX To : XXXX XXXX XXXX, or TransUnion XXXX : XXXX XXXX XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX, XXXXXX/XX/XXXXXXXX I received a copy of my credit report and I have found that in accordance with the FCRA you violated my rights under : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY. FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITH OUT MY WRITTEN INSTRUCTIONS. 
Pursuant to 15 USC 1666b A creditor may 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

List : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX I NEVER gave you, OR the above-listed creditors any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and anxiety due to the abusive and unfair practices. 

You should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! These accounts are listed with late or missed payments and that is incorrect. 

The ABOVE listed ACCOUNTS were NEVER late and should be listed as PAYS or PAID AS AGREED and update my payment history to a green check or grey it out. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report, and I demand that you provide me with concrete evidence and all documentation proving that I am or have been late. It is my understanding that you will recheck these items with the creditor who has posted them. 

Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec.

1681| ( a ), you must complete this investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report reflecting the requested changes. 

Best Regards XXXX XXXX XXXX.
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 15 USC 1681. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXXXXXX XXXX : Account Number : XXXX Account Name : XXXXXXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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.
Product: Debt collection

Fraudulent acct on my credit report from XXXX XXXX, tx
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which 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 Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXXXX/XX/2023 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion wont let me cancel my account and is charging me for a {$1.00} service as of XX/XX/2018 2018
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX Inquiry Date XX/XX/2020 ; XXXX XXXX XXXX Inquiry Date XX/XX/2020 ; XXXX Inquiry Date XX/XX/2020 ; XXXX Inquiry Date XX/XX/2020 ; XXXX Inquiry Date XX/XX/2020 ; XXXX  Inquiry Date XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been through the process of buying a home for the past 3 months since XX/XX/XXXX. My lender had me call equifax in XX/XX/2019 and dispute an item that didnt belong to me. Well I did and some guy there disputed everything on my credit instead of just the 1 item which was a medical bill. Ive been trying to correct his mistake for the past 3 months. Everytime I think theyre about to fix something theyve messed something else up. My credit has been punished by their mistakes and Im suffering for this. I have kids and a fianc depending on me. My credit is being ruined by this company!!! Im scared they have put my family and I in a position that could ruin our lives!
Product: Mortgage

Your agency has yet to produce any solution from Bank of America. I 'm wondering if this is to big of a task for this agency. 
Bank of America has just increased my loan payment more than 3 times the rate. Bank of America informed me this was an interest only loan and did not explain that it was only for 10 years. Bank of America will not assist me in helping. Bank of America suggested I default on my loan before I can receive help. 

Bank of America has assigned and then switched approximately XXXX different managers or employees to help me. 

Bank of America took over 1 year to decline my loan modification. Perhaps this needs to be repeated. BANK OF AMERICA TOOK OVER 1 YEAR TO DISAPPROVE MY LOAN MODIFICATION. This is unjust to say the least. As a result, I now have to pay tripple the amount. I could have shopped for alternative a year ago. 

Please hold this bank responsible. Enough is enough.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  reporting XXXX  XXXX as potentially negative but nothing wrong XXXX XXXX ftc XXXX  XXXX ftc violations
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXX XXXX and ALLY FINANCIAL XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditors customer service representative.
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 on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 


Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXXDate Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Vehicle loan or lease

I called the company about up to date the information on payment arrangements so they can send information to the credit bureau to post that I have paid on time and update on the loan amounts should change. When I called customer service and spoke with a lady, she stated that they don't have to update to the bureau until the balanced is XXXX, then they would report it. I did file for dispute with the company twice and no respond. I filed disputes with the XXXX credit bureau which they put my credit score on hold for 30 days, when they responded and stated that they was still waiting for the company to response. I would had to file again. I have the payments conformation statements, and payment arrangements on file. please help so I can correct my credit score to show that I have made payments.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Exerter finance, has violated my rights, 15 usc1681 section 602 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 rotten instructions.

15 usc 1666B : A creditor may not treat a payment on an account under an open end consumer as late for and purpose.
Product: Credit card or prepaid card

We purchased XXXX XXXX XXXX using our chase united credit card from XXXX to XXXX XXXX for XX/XX/2019. When we booked the flight, we purchased the XXXX of us seat together sine we do have a XXXX old. 

Upon checking in, we realized our seats were different in fact, our seats are away and our XXXX old daughter will be in a 15hrs flight all by herself with strangers next to her We talked to united check-in agent, was told nothing he can do directed us to speak to gate agent. Got to gate, spoke to two agents there, was told they do not discriminate age. 

Fast forward, we filed a quality dispute for poor services which is part of the dispute choice and process if you are dissatisfied with the services on a purchase that is not agreed upon when purchased After I sent in all document, I got a letter saying, they said they reviewed the information available and found that I either received the services or the merchant made them available to us to use so they consider the charge valid. 

I spoke to two chase agents, they all told me nothing they can do. It doesnt matter if the purchase was not agreed upon, since united airlines made the services available for me to use I can no longer dispute the charge. I asked for a manager to call but they failed to send me a manager when I phoned to them in XX/XX/2019. 

I followed up with two online message to chase, they never responded to my email. I called today, XX/XX/XXXX, finally spoke to a supervisor, however, now she tell me, rather I took the flight or not, the services was available to you even if you refused to use chase can not make united to refund. 

I questioned, why chase.com has an option for quality dispute for poor services if you are not willing to help? She stated just because the info is available online it doesnt mean they can help me. 

I mentioned to chase about the fair credit billing act, the fact the law gives consumer right to dispute a charges in case dissatisfied with an transaction. Her response was, yes chase let you disputed but it doesnt mean you will get your money! 

I guess my question is, do I have a right here to dispute for poor services? I am dissatisfied with a purchase that is not agreed upon, my kid was assigned new seats at check-in for a XXXX flight ... is this acceptable? 

Thank you
Product: Credit card or prepaid card

I was notified by the police that I am a victim of identity theft, so I requested a credit report. I see several items on my report that do not match my personal information. One of which is a card that was opened in XX/XX/2017, Nordstrom/XXXX XXXX XXXX. The Credit limit is {$300.00}. It has never been paid late or missed payment, but I do not have this card and never have. Address ID # XXXX There is no phone number available, so I am unable to contact Nordstrom.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute Under 15 USC 1681i ( 5 ) Request for Investigation and Correction To Whom It May Concern, I am writing to formally dispute an inaccurate item on my credit report, as provided under my rights outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( 5 ). This section of the law requires credit reporting agencies to investigate disputed information and promptly update or delete items that can not be verified or are found to be inaccurate. 

The disputed item is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under 15 USC 1681i ( 5 ) ( A ), any item that can not be verified as accurate must be promptly deleted from my credit report. I request that you conduct a thorough investigation of this matter and provide me with the following : Verification of the Disputed Item : Evidence confirming the accuracy of the account information.

Correction or Deletion : If the item can not be verified, it must be corrected or deleted from my credit report as required by law.

Notification of Results : Written confirmation of the investigation results, including an updated copy of my credit report reflecting any changes made.

Please respond to this dispute within the legally mandated 30-day investigation period.

Failure to comply may result in further action to enforce my rights under the FCRA.

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

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

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputes outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputes items despite accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions.

15 USC 1666b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

On XX/XX/21, I was not able to use my Citi XXXX card at my local XXXX. After several tries, I still couldn't use it. On XX/XX/21 at XXXX, I received an email from Citi saying that they needed to speak to me because they suspected fraud charges on my account. I went online and there weren't any unfamiliar charges. Today, XX/XX/21, I called at XXXX ( and spoke to 4 different reps ), who sent me through a long process of verification that was not only outdated but borderline predatory. I was asked for a home phone number, to which I replied I didn't have, then was asked for a different credit card, which I didn't have, then was asked for a family 's phone number, which I didn't feel comfortable giving, but at this point 1 hour in, I relented, and she said it wasn't able to be used as a verification method. This went on for a long time as I was asked for a lot more personal information, and I was told the only way to use this credit card again is to wait for a letter in the mail. I have so many things I need spend money on and I absolutely can not wait 1-2 weeks for a letter to come. I feel like Citi 's practices here are predatory and outdated, especially for a credit card that has an annual fee of {$95.00} on it. I tried 4 different reps and no one could help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION, XXXX  AND XXXX  IS REPORTING A BANKRUPTCY ON MY CREDIT REPORT. ACCORDING TO THESE BUREAUS, THEIR INFORMATION CAME FROM XXXX XXXX. I HAVE A LETTER ENCLOSED THAT XXXX XXXX COULD NOT VERIFY THE ACCURACY OF THE REPORTING IN THE BANKRUPTCY LISTED ON MY CREDIT REPORTS. I HAVE ATTACHED XXXX XXXX LETTER SAYING THEY COULD NOT VERIFY
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

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
Product: Mortgage

I applied for a mortgage with Cross Country Mortgage to close on my current home at the behest of my realtor because XXXX XXXX was taking much too long. I had done a refi with XXXX XXXX on my previous home so I guess my credit score was lower than it should have been. Cross Country Mortgage insisted that I had to go FHA when I have had conventional mortgages for the past 2 homes. I had 20 to 25 % for the down payment and the said I still had to go FHA. I was not happy with this and voiced my issues with FHA loans but I had to close on my home so I had no choice. Then I find out the day before I got stuck with PMI and upfront PMI {$5500.00} which I questioned when I had 20 to 25 % down payment why would I need PMI. Could not get a straight answer from anyone so I called Cross country in right after the closing and asked them to remove the PMI. They sent me a letter with the criteria and that it could not be removed for 11 years. I am paying {$210.00} more a month in PMI. I have called a few times and get no answers and help and spoke with my sales person, The last call I made I was told I have 81.1 ltv when I should have under 80 ltv and that is why I can not remove my PMI. Sounds like they lie to to their clients as much as they can. Why would I take PMI when I am trying to retire in a few years, I am XXXX XXXX old.If I refinance into a new loan the rate will be higher and it will cost me between 7,000 and 10,000. I would like my upfront PMI payment back and the monthly PMI removed from loan,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  stated that the COVID19 FORBEARANCE PLANS WOULD NOT BE REPORTED TO CREDIT AGENCIES! NOW THIS XXXX  SHOWS UP ON MY SISTERS ACCOUNT BECAUSE I TOOK THIS LOAN WHEN SHE HASNT EVEN LIVED HERE! XXXX  BETTER CORRECT EQUIFAX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax will not unfreeze my account. Trying to buy a house but Equifax says that I have a 7 year alert but refuse to remove alert in which I did n't agree to.      XXXX  will not unfreeze my account.trying to buy a house but  XXXX  refuses to remove the alert or freeze on my credit report in which I did n't agree to.