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

I am writing to formally dispute the inaccurate reporting of the XXXX XXXX XXXX account ( # XXXX ) on my credit reports with XXXX XXXX Equifax XXXX and XXXX XXXX The discrepancies between the credit bureaus reporting regarding this account are significant and damaging. I demand the immediate correction or removal of this account from all credit reporting agencies and request a thorough investigation into these inconsistencies. 

Inaccuracies Identified XXXX. Date Opened : XXXX and Equifax : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX. High Credit : XXXX and XXXX : {$3900.00} Equifax : {$0.00} XXXX. Last Reported Date : XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX. Date Last Active : XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX. Date of Last Payment : XXXX and XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX These discrepancies in reporting, particularly concerning the high credit, last reported date, date last active, and date of last payment, indicate inaccuracies in the information being reported. 

Violations and Impact The inaccuracies in the reported information violate my rights under the Fair Credit Reporting Act ( FCRA ) and have caused undue harm to my credit profile. Inconsistent and incorrect information can negatively affect my credit score and financial reputation, leading to potential denials of credit and other financial opportunities. 

Applicable Laws and Regulations 1. 15 USC 1681e ( b ) - Accuracy of Report : Credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual. The discrepancies in reporting violate this standard. 
XXXX. XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) - Reinvestigation of Disputed Information : Requires consumer reporting agencies to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information. 
XXXX. XXXX XXXX XXXX ( a ) ( XXXX ) - Treatment of Inaccurate or Unverifiable Information : Mandates that if disputed information is found to be inaccurate or unverifiable during a reinvestigation, it must be promptly deleted or modified. 
XXXX. XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) - Responsibilities of XXXX of XXXX : Prohibits furnishers from providing information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 
XXXX. XXXX XXXX XXXX ( b ) - Duties of Furnishers of Information Upon Notice of Dispute : Requires furnishers to investigate, review all relevant information, and report the results to the consumer reporting agencies.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXXXXXX XXXX XXXXXXXX Balance : {$500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 days and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to promptly delete all information which can not be verified That I have disputed. Please resolve this manner as soon as possible. Thank you
Product: Credit card or prepaid card

Bank of America charged a Bank of America credit card in my name that I never received and never activated and never authorized and is now also charging me late fees.
Product: Credit card or prepaid card

Bank of America closed XXXX of my credit accounts due to inactivity on my accounts. Last activity was XX/XX/2021. I had XXXX Balances on both card. I had used these card XXXX year they were my oldest card. I only received letters that accounts were closed due to inactivity no other notification no warning that i should use my card other vise would close. This now caused my credit score to drop XXXX points. Which also affecting my line of credit for my business. This caused my credit history length to shortened some XXXX  years. Why would not receive a notice at least. I had been royal client. I am looking for my legal rights as a credit card holder. I feel like I am being discriminated. Their action with out any notice damage my score deeply. They are telling me they won't be able to re open my account. LosXXXX XXXX  years of credit history and cant even access my account statements just wiped out. Please Help. 

Thank you
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to demand the immediate blocking and removal of fraudulent information from my credit report. My social security number has been compromised as a result of identity theft and a data breach. Attached to this letter is the FTC Identity Theft Report I filed. You are legally obligated to block and remove the fraudulent information from my credit report within four business days of receiving this complaint, as mandated by 15 USC 1681c-2 ( c ) ( a ). The following items are disputed and must be addressed immediately : XXXX - XXXX It is disheartening to note that the data in question has not undergone the necessary certification process to conform to established reporting standards. Consequently, the inclusion of this data does not provide any assurance of its accuracy, currency, or comprehensiveness. Additionally, it is crucial to acknowledge that this information may be deficient, obsolete, or lacking adequate support. In light of these concerns, I earnestly request the removal of any erroneous or unsupported material from this page. 

XXXX - XXXX It is imperative to acknowledge that this information might be deemed incomplete, outdated, or unsupported. Thus, we kindly request the removal of any erroneous or unsupported content from this page. Your prompt attention to this matter would be greatly appreciated. 

XXXX XXXX XXXX XXXXXXXX I believe that this item may have been reported unfairly, without proper certification, or even unlawfully. Specifically, I demand that the allegation of late payments associated with this item be deleted immediately, as required by law. 

XXXX XXXX XXXX XXXXXXXX I believe that this item may have been reported unfairly, without proper certification, or even unlawfully. Specifically, I demand that the allegation of late payments associated with this item be deleted immediately, as required by law.

I did not initiate any of these inquiries. If you believe otherwise, provide me with copies of my written consent. The following items must be removed from my consumer report immediately under 15 U.S. Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) : XXXX XXXX Unauthorized hard pull, where did you get this misleading information? This is unfair! DELETE! 

XXXX XXXX XXXXXX/XX/year> Unauthorized hard pull, where did you get this misleading information? This is unfair! DELETE! 

XXXX XXXX XXXXXX/XX/year> Unauthorized hard pull, where did you get this misleading information? This is unfair! DELETE!
Product: Credit reporting, credit repair services, 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. XXXX XXXX XXXX : # XXXX, XXXX XXXXXXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, has 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 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: Payday loan, title loan, or personal loan

I applied for PPP through XXXX for my business XXXX XXXX XXXX XXXX on XXXX. I was approved for the amount XXXX on XX/XX/XXXX. I had my deposit going into my XXXX account and they rejected the payment XXXX. So I had to re-submit my bank info XX/XX/XXXX and it verified XXXX. They ( Benworth ) said my payment was sent out again and accepted by my new bank info on XXXX. But I have yet to receive anything. I have contacted my bank and they asked me for a trace id number. I contacted Benworth Capital llc again and they refused to give it to me. Said they didn't have that information. Since then I have been calling and sending emails, no one will respond. I am aware there is a time frame and the systems are busy. But it has been past that time frame and I feel that they are neglecting me at this point and have breached this contract
Product: Debt collection

Upon noticing inaccuracies in the report, the undersigned took it upon themselves to reach out to the creditor to request validation of the debt, but to their disappointment, the creditor failed to provide any supporting documentation. The concern pertains to the account in question, which is erroneously listed as a late payment account. Therefore, the undersigned insists that the credit bureau provides concrete evidence of this account being late. If such evidence is not forthcoming, they demand the immediate removal of the negative payment status associated with this account from their credit report. The following accounts were always paid on time and are therefore being disputed : CAPITAL ONE XXXX, CAPITAL ONE XXXX, CAPITAL ONE XXXX, CAPITAL ONE XXXX, and CAPITAL ONE XXXX. I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim.
Product: Debt collection

I contacted this company after I noticed that there was a collection from them on behalf of " XXXX XXXX XXXX ''. I advised them that I had no business with that company and have never stepped foot there. Furthermore I advised them to forward any documents, contracts or agreements to prove the debt. A substantial amount of time has passed since then and the only update has been a note on my credit report. I have not received any correspondence regarding this debt as far as ownership and confirmed my address and contact information with them. This is a predatory practice that has had a financial on me and needs to be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX a senior Recovery Agent for XXXX, a XXXX XXXX. I have submitted to Equifax appropriate documentation ( see attached to this complain ) to report identity theft for a consumer and requested that they place an extended 7 year fraud alert for the victim, remove certain fraudulent items from the credit file in question, and provide an update credit report to verify the actions were taken. All of these requests are within my scope of authority and all actions requested are within the scope of response required under FCRA when identity theft is reported to the credit bureau. To date Equifax has failed to provide a response of any kind to these requests. The requests have been submitted on 2 separate occasions with appropriate time allowed between requests and this complaint filing to allow the credit bureau to respond. This represents a willful violation of the FCRA.
Product: Debt collection

First off, I do not have a loan with allied financial and have no dealings with them at all. They are not calling for me they are calling looking for EX from 24yrs ago. I divorced my EX yr XXXX and we have had no contact since. 
None of my family knew him and never kept in contact with him. 
My new family has never even heard of him. 

Allied financial is calling Me, my husband, his family and My family members looking for my ex-husband. My new family of the last 20 years do not even know him. NONE of my family nor my husbands have any afiliation with the EX. They called both my stepdaughters, my son enlaw, my husband, my brother, my sister, besides myself. I have called them several times telling them to stop calling my family and they will not stop. They are personally harassing me and my family. I spoke to the person who left their name at allied financial ph XXXX ex XXXX and told her twice to quite calling me and my family. I have called and spoke to them 4x now I gave them my family 's phone numbers and they claim they are on their do not call list but yet they are calling them again. They will not stop. 
My stepdaughter got called XX/XX/XXXX and again XX/XX/XXXX. My husband received call from them XX/XX/XXXX. I received call XX/XX/XXXX and I told them again to quite calling I have no affiliation. They called my Brother on XX/XX/XXXX and I called them again to quit calling my family he does not know the EX. Now XX/XX/XXXX my other stepdaughter just received a call from the same person. This is harassment, I do not owe them any money, its not my loan and it is NOT my family 's but they are calling my family.
Product: Credit reporting or other personal consumer reports

I am writing to report an inclusion of late payment from Account name XXXX XXXXXXXX Account number XXXX on my consumer credit report. XXXX XXXX, TransUnion, XXXX, and XXXX are violating my rights because they violate the provisions of 15 U.S.C. 1681a, which defines a consumer report and outlines its permissible content. Specifically, the law states that consumer reports can not include information about transactions or experiences between a consumer and the person making the report. This includes late payments, which should not be reported under these guidelines.

15 U.S.C. 1681a ( 2 ) Exclusions. 
This Account has already been disputed previously and marked as completed which equals as a failure to correct this violation for which I now demand a {$1000.00} compensation as well as the removal of the late payment as a result of this failure. 

It has come to my attention that the reporting of late payments on my credit report is inaccurate and unlawful. The continued inclusion of such information violates my rights under the Fair Credit Reporting Act ( FCRA ) and creates an unfair representation of my creditworthiness. 

Delete the late payment which is stated on my consumer report that has a date of XX/XX/year> across all CRAs XXXX XXXX  Account number XXXX
Product: Mortgage

The mortgage lender claimed that I did not have HOA insurance on my property which is not true. I have the official copy of the HOA insurance and tried repeatedly to provide the proof of insurance to the lender via website, email, and phone. 
Every time I talked to a customer service agent from the lender, they assured me that the information I provided was sufficient and the problem would be solved. However, the lender kept sending me the letter saying I did not have the insurance and threatened to charge me {$45000.00}. And the lender has already started to change me. 
I again tried to provide my proof of insurance to the lender. But they have not accepted it yet.
Product: Debt collection

I have an unverified account from LVNV Funding, LLC. I had previously disputed this account. I have never done business with LVNV Funding, LLC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that LVNV Funding, LLC provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that LVNV Funding, LLC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Mortgage

I was sent a letter stating that I did not have sufficient flood insurance but my loan servicer, Pennymac. I submitted documents that showed I did have the the proper insurance and they are billing me through some insurance company they hired. 

No response from the company. They are difficult to deal with. Have have poor customer service. I am sure you have heard this before about them.
Product: Credit card

In XXXX I was approved for and received my American Express XXXX card. I began using it and eventually reached a spending threshold on XXXX XXXX, which awarded me XXXX of their Membership Rewards ( XXXX XXXX XXXX, as promised on XXXX XXXX. On XXXX XXXX I was charged their {$450.00} annual fee and I have continued to use this card and have no balance due at this time. After other charges I had XXXX points from this card and my Membership Rewards ( XXXX XXXX XXXX Number ends in XXXX. My credit card ends in XXXX. However, on XXXX XXXX, XXXX points were deducted from my account with no explanation. I have been a customer of American Express for 9 years and have good standing with them and good credit as well. I followed any and all terms and conditions for this card when making purchases and for earning or trying to use points. 
I would n't apply for this card knowing there will be no bonus awarded, and paying expensive {$450.00} annual fee. 
I called American Express and spent no less than 30 minutes on the phone being transferred up a chain of CSRs and supervisors, all who thought my account was fine, and eventually reached someone who told me that some accounts are being reviewed at the corporate level, and the the points were deducted for unspecified reason. She could not tell me anything else. I think American Express is pulling a bait and switch of sorts if it offers something like this but now does n't let its customers actually take advantage of it. If they have some sort of internal issue being worked on by corporate, they should have solved that before hand on their time and stop wasting mine. I have actually visited online forums and have learned there are many others with this card experiencing the exact same issue. As well, a friend of mine from another state is also having it happen to him and his wife, so many people -- not just me -- are having their points deducted by American Express and that is help money! 

What I want is for you to help me get them to release any hold they have on my points and NOTIFY ME IMMEDIATELY without me having to contact them and fight for an answer again. Why did I pay {$450.00} for a card that has no intention of letting me use its benefits?
Product: Credit reporting, credit repair services, or other personal consumer reports

I was under a joint rental agreement with XXXX XXXX, that first became delinquent on XX/XX/2015. The amount was approximately {$2800.00} it has been under a collection account XXXX XXXX  XXXX  ever since. XXXX XXXX XXXX  is listed as currently owing {$6900.00}. A couple weeks ago they added a duplicate of the account under the name Metro Collection, but for XXXX, and as an individual account rather than joint and listed it as though its a new debt and as though I agreed to a pay schedule so it looks like I now have late payments. 

Metro collection services collections for XXXX XXXX is the property management company. XXXX XXXX  XXXX collections for XXXX XXXX is the property owner. 

I never agreed with the debt to begin with because our deposit would have covered the last months rent, I also never agreed to the lease extension, lastly the house was falling apart so I do not agree with the damages they claim I am responsible for. 

I have already disputed this with the credit bureaus and they refuse to remove the false information.
Product: Credit card or prepaid card

I piad off my balance in full on XX/XX/XXXX statement and i see a charge for interest fee that I don't understand. They give a reason of revolving balance for last month but make no sense to me on this statement. I understand on XX/XX/XXXX Statement I didn't pay in full and carry a small amount over to XX/XX/XXXX statement that dont explains why they charge this amount of interest fee from last month. Yes I used the card on the month but the charge balances and interest should be pay on next month not charge me early within the statement period.
Product: Debt collection

I do not owe this debt. When asked for them to verify debt they hang up. I havent received any written communication from this company and they keep calling me even when I have asked them not to. Abusive language and they have cussed me out.
Product: Debt collection

I previously reached out to credit bureaus in regards to this item. Every time is stayed as verified. I contacted you guys CFPB a few weeks ago and you closed out case because they responded. The issue is the information that was sent to me was not valid. 1. The address this on what they sent me which looks like an application was from an address that never was associated with me. 2. The signature there isnt one listed. There is not a personal signature only shows electronic. I have rights and there this isnt legal proof. There should be a signature that shows prof that it is my account. Also the bank account numbers that show on document had never been associated with me either.

Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested. 

Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for verification via XXXX or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section of the Fair Debt Collection Practices Act.

Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under the laws of state and federal statutes. 

There is no proof that this is my account and this company is violating my rights.
Product: Mortgage

I applied for a loan modification appeal on XX/XX/2022, 2 days later I was denied. I called to ask why, I was informed by Mr Cooper employee, if you apply for a loan mod appeal within 12 months it was an automatic denial, I was not told this at all, in fact I was told to appeal the decision by letters I received. Per the information on Mr cooper site and mailings they state a decision can take up to 30 days. how can they examine my financial and make a decision 2 days, when this process goes through many phase. I feel like I am being preyed on due to my age.