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

This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

Please remove the following items : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX 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 XX/XX/XXXX
Product: Credit card

Ok, I have been going around and around with Bank of America and my most recent conversation with some executive named XXXX XXXX has put me over the top, upset. First of all, I had sent a complaint letter to Bank of America about benefits I had cut off, when they suddenly closed my account a year ago for no apparent reason. After this closure, I had built up a balance in a benefits account that they said they " Could Not '' return to me, as per policy. I complained and in XXXX 2016, I received a phone call from an account representative who said they would rectify my problem. Weeks went by, then in XXXX, I finanally called back and was told they were working on my account and would be crediting me back a {$37.00} late fee plus they were working on the {$15.00} and change benefits I wanted credit to my account. I asked then, what should I pay for my bill that was due and was told {$100.00}. I paid that and then I got a late notation on my credit report stating I was late, because I paid {$35.00} or so, less than what was owed. Ive written letter after letter explaining that I was told to pay the {$100.00} over the phone and this XXXX XXXX told me and I quote " I ca n't change anything without some documentation from you backing your claims ''. Well, since this was done over the phone first with an executive, then a rep, I do not have this and I told her this. I went on to say, there were multiple records of complaints I made, to XXXX XXXX, the CFPB and others, that she just needed to read over. She said she would not. Multiple times in our conversation, XXXX XXXX contradicted herself one minute stating she looked into my issue, then stated without records, she had nothing to look at, and I said it was because these were phone calls. I want this late removed from my file, as BANK OF AMERICA told me what to pay, I paid it and to this moment, I was never credited the {$15.00} or the other fees I was told would be credited, because these occured during my multiple complaints, in which I was attempting to adjust my balance correctly on my account. In addition, Bank of America and XXXX XXXX, stated to me and I quote " It is not our fault this occured and this is our position. Unless you produce proof, we stand by this and will do nothing more ''. How can I produce proof of a phone call??? I told her this and I told her this WAS her and Bank of America 's fault, not mine. I did what I was instructed to do!
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 dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 

This is an account that I have marked as inaccurate. 

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

I am victim of identity theft and the XXXX data breach.The account does not belong to me and i have no knowledge of this account. 15usc1681b.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report and I noticed 2 separate accounts attached to a name that doesn't belong to me at all. Both companies have wrong personal information SSN, and Addresses. I have no idea how this information has crossed over, nor do understand this identity theft stuff, but I know the accounts below do not have any association to me whatsoever. According to FCRA I have the right to dispute all fraudulent items on my credit report. I am requesting that these accounts are deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need these accounts ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

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

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have acopy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being " reported correctly? Who verified these accounts? You have NOT provided me a copy ofANY original documentation ( a consumer contract with my signature on it ) as requiredunder Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT all information which can not be verified. Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful noncomplying with the FCRA. Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. Please correct the accounts, or inaccurate information, from my file immediately & send me the results to the address. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX Late Dates XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Dates XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXXXXXX and XXXX XXXXXXXX XXXX XXXX XXXXXXXX have violated my rights. 

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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to request that you consider removing the late payment from my dillards purchase m from my credit report. While I understand that I was late on my payments, I hope that you can see that I am a responsible borrower who takes my financial obligations seriously. I had end up sick & forgot that i bought the stuff i bought from dillards so i wasnt able to have money coming in to take care of the bill. After i was well I didn't realized the bill until i was reported on my credit report and took my credit score from high XXXX to a low XXXX. The late payment occurred on and XX/XX/ amounts of late payment XXXX, and I take full responsibility for it. In fact, I paid off the bill in full after i realized i was late when it hit my credit report. Im always good at paying payments on time. I have been diligent about making all of my payments on time since then. Having this late payment on my credit report has been a source of stress for me, and it has made it difficult for me to obtain credit when I need it. I am hoping that you can see that I am a responsible borrower who is committed to improving my credit history, and that you will consider removing the late payment from my credit report. 





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 an account without my 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 and purpose.
Product: Credit reporting or other personal consumer reports

I wanted my annual reports. Filled out the form online. It said I needed to call, so I did, but could not get through to a person. I feel like they're intentionally making it hard so I can't get my report. The phone service doesn't work so well, and the ask for a lot of sensitive information in addition to recording my voice. It doesn't seem very secure ; lot 's of beeping in succession as if it's being recorded several times.
Product: Mortgage

On or about XX/XX/XXXX, I closed on a VA refi. with XXXX XXXX. In XXXX I was sent a mortgage statement from " The Money Source '' showing a Mortgage payment due date of XX/XX/XXXX. Subsequent statements followed for XXXX and XXXX, showing a due date of the XXXX for all months. I recently received a statement for XXXX, that showed a late fee for the XXXX payment, even though it was not due until the XXXX and the XXXX due date showed payment due on XX/XX/XXXX ( XXXX fools joke? ... ..probably not ) I was able to reach a customer service rep who stated late fees can not be reversed, even in the companies error and that all statements showed that payments were to be received by the XXXX even though I have clear evidence showing the due dates of the XXXX. 

In addition, The Money Source requested a payment on XX/XX/XXXX and expects an additional payment on XXXX. 

Is a mortgage company allowed to request more than 1 payment within a 30 day period, without notice or agreement from the mortgagor? And do they have the right to charge a late fee if a payment is not late according to the mortgage statement?
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus have not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX  XXXX BANK XXXX XXXX XXXX never late XXXX XXXX XXXX XXXX never late
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in 3 letters regarding my credit report to each bureau. XX/XX/2021 was the last one I sent. I haven't checked my credit in awhile and noticed a lot of information on my report that is just not accurate at all ( names listed, accounts, addresses ) that I've never lived at. I've called several times to dispute the wrong information being reported and I either get disconnected or no real answer. Every time I call in to explain that I've sent in my letters multiple times, the reply is they haven't gotten it. its been over 3 months since at least ONE response even after calling. I have no clue what else to do and I feel like there won't be a resolution because they keep saying they haven't received anything. These accounts need to be updated ASAP because I am looking to make a purchase and the false information on my report is unfair and I've already explained to XXXX and XXXX  that my personal information has already been used before and that I keep getting notified that I am involved in a breach. Please help me figure this out, I'm out of options and frustrated that its been over 3 almost months now.
Product: Money transfer, virtual currency, or money service

I need to be able to link my account with the XXXX app
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Equifax will NOT unlock my credit. They keep telling me that there is a glitch that they are trying to fix. I have a potential new employer that is hiring me, however they need to pull credit for a financial fitness check. They can't do it because Equifax will not unlock my credit. I tried to unlock it myself using the Equifax lock & alert app. However it is not working. I have called Equifax several times in the course of four days and hours on the phone. Equifax REFUSES to unlock my credit. They keep telling me that they can't do it. I have every right to my credit report. My spouse and I are trying to purchase a new home as well, however my lender needs access to my credit report. Equifax still refuses to unlock my report. My only other option is to take LEGAL action.
Product: Debt collection

I am writing to dispute the validity of the alleged debt associated with the account referenced above. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ), I am demanding verification and validation of the following information : 1. The name of the original creditor of this account.

2. The amount of the alleged debt.

3. The methodology used to calculate the amount of the alleged debt. 

I am requesting this information within the statutory time frame provided by the FDCPA to ensure the accuracy and legitimacy of the debt being pursued. It is crucial to note that this request is solely for validation of the AMOUNT of the alleged debt in accordance with 15 USC 1692g ( a ) ( 1 ). 

Account Information : Account Name : XXXX Account Number : XXXX Account Type : XXXX  Card Date Opened : XX/XX/XXXX Status : Account charged XXXX, {$1100.00} written off Balance : {$0.00} ( as of XX/XX/XXXX ) Highest Balance : {$1100.00} Original Creditor : XXXX Payment History : Please refer to the attached payment history for further details. 

I request that you cease all collection activities until the requested information has been provided and the validity of the debt has been verified. Additionally, I demand that if you fail to provide the name of the original creditor as well as the other requested information, this account be removed from my consumer reports immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, My name is XXXX XXXX and I am writing in regard to my credit report. I reviewed the report and I can tell that there's an error in it. I am paying on time as agreed. These reported late payments are inaccurate. This situation is affecting my credit status that leading to credit denials and higher interest rates. 

MONTGOMERY WARD Account # XXXX Date opened - XX/XX/20
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 a unauthorized hard inquiry occurred without my permission from a Equifax mortgage service
Product: Mortgage

1st Issue : Our mortgage was bought by another company during our time working overseas. As such we received notification late as result missed a payment on mortgage that we have had for 10 years and never missed a payment on. Due to our payment history on the mortgage and result of the mortgage changing ownership, don't think its fair to report the missed payment to credit bureau. Would like cfpb to look into removing this from our credit record. 

2nd Issue : We have had the mortgage for 10 years on 30 year mortgage and mortgage company is still reporting 30 years to maturity. We filled several letters to correct this still haven't.
Product: Debt collection

Sent Company A Letter Asking Them To Validate Debt And Company Has Not Responded In A Timely Manner. I Am Not Familiar With Caine & Wiener And Have Never Signed A Contract, Nor Have I Ever Entered Into Any Agreement With Them. Caine & Weiner Never Sent Me A Notice About Attempting To Collect On Alleged Debt, They Simply Put A Negative Remark To The Credit Bureaus And I Am Asking That The Collection Account Be Removed. Caine & Weiner Is Alleging A Balance Owed To Their Company In The Amount Of {$400.00} And The Alleged Account # With Caine & Weiner Is XXXX. I've Attached A Copy Of The Debt Verification Letter That I Sent Out To Them.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX TransUnion XXXX XXXX XXXX XXXX, XXXX XXXX Equifax XXXX XXXX XXXX XXXX, XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX. XXXX RE : Late Payment Notice to Agent is Notice to Principal, and Notice to Principal is Notice to Agent Dear TransUnion, Equifax XXXX Experian, I have reviewed my consumer reports and noticed an alleged late payment has been reported. I am writing to address this inaccurate and incomplete information, as I believe this late payment was incorrectly reported. 

Failure to Comply with the FCRA and TILA Under 15 U.S.C. 1666b, a creditor is prohibited from reporting a payment as late unless specific procedures are followed, including : The periodic statement must be sent to the consumer with all required information under 15 U.S.C. 1637 ( b ).

The statement must be mailed or delivered to the consumer no later than XXXX  days before the payment due date. 
I request that you provide proof of compliance with these requirements, including : XXXX. Proof that the periodic statement was sent to me, including any tracking numbers for mail delivery or email receipt. 
2. Confirmation that all required information under 15 U.S.C. 1637 ( b ) was included in the statement.

XXXX. Evidence that the statement was mailed or delivered at least XXXX  days before the payment due date. 

Without this evidence, the creditor can not lawfully report a payment as late. 

Accuracy of Information - 15 U.S.C. 1681 ( e ) and 15 U.S.C. 1681s-2 ( 7 ) Under 15 U.S.C. 1681 ( e ), when preparing a consumer report, a consumer reporting agency must follow reasonable procedures to ensure the maximum possible accuracy of the information being reported.

In addition, 15 U.S.C. 1681s-2 ( 7 ) requires that the furnisher of negative information must provide specific notices to the consumer reporting agencies before reporting negative information. I request that you provide evidence that the furnisher of the alleged late payment followed these procedures before the information was reported to my consumer report.

Request for Deletion If you are unable to provide the necessary proof of compliance with 15 U.S.C. 1666b, 15 U.S.C. 1681 ( e ), and 15 U.S.C. 1681s-2 ( 7 ), I request that you delete the following alleged late payments from my consumer reports : Total XXXX/XXXX/XXXX  XXXX-XXXX-XXXX-XXXX  I expect that you will fully investigate this matter and provide a response within the time frame required by law.

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

In the past several months I have sent letters certified in the mail, asking them to take off the inaccuracies m. I have repeatedly reminded them kindly that According to FCRA section 605b, its illegal to report any inaccurate information on my credit report. Please remove these negative items! The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). I KEEP SENDIN LETTERS AND NOTES AND NOTHING CHANGES! Student loans are still on there, along with the innacuracies!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter to TransUnion dated XX/XX/19 that was signed for on XX/XX/19. The letter was a formal notice of dispute. 

I waited 34 days to verify TransUnion violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the required disclosure, notice of dispute, within the required 30-day period. 

I sent another certified letter to TransUnion stating that they did not put a notice of dispute on my credit report, along with a copy of my initial dispute letter to TransUnion, proof of delivery, credit report dated XX/XX/19, and a credit report dated XX/XX/19 to show that the notice of dispute statement was not reported. 

TransUnion has disregarded my proof of the violation of law and refuses to remove this trade-line.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX -Date of inquiry : XX/XX/2023 - XXXX XXXX XXXX -Date of inquiry : XX/XX/2023