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

I disputed 30 days past due to XXXX XXXX and they verified the information as correct. I disputed this information because they made a change on the month that was allegedly 30 days past sit. Essentially they said XXXX was late and I disputed that and they changed it to XXXX. I disputed the XXXX month and they said the information was correct. Approximately 4 weeks after the investigation XXXX XXXX days was listed as current and they now claim it was a different month. Every time I submit the dispute they claim the information is correct and communicate that to the bureaus and after the investigation is closed change the alleged month I was 30 days late. 

It appears that XXXX XXXX is playing games with alleged late payment dates by moving the months around which is having negative impacts on my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous 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. 
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

Amerisave pulled my credit without my permission or expressed authorization. This occured today XX/XX/year>. My wife, XXXX XXXX 's credit report was also pulled without her expressed or implied permission. 

When I called to ask why my credit was pulled without my permission. I was told that minorities don't often qualify for mortgage so they authomatically pull credit so they don't waste time on people who don't qualify. The named individual was the person I spoke to on the phone. I also requested to speak with her supervisor XXXX XXXX at XXXX XXXX XXXX. 


XXXX XXXXXXXX XXXX XXXXXXXX XXXX ID # XXXX AmeriSave Mortgage Corporation XXXX ID # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXwww.amerisave.comXXXX
Product: Checking or savings account

I was defrauded by a company called XXXX XXXX in XXXX XXXX, Nevada. XXXX XXXX sold me items that were worthless junk that they described as new, then refused to take the items back. I filed a dispute with Bank of America for {$1200.00} on XX/XX/2018. But Bank of America refuses to reverse the charge.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX -- -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
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXX XXXX 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 XXXX XXXX customer service representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sold a house in XXXX of XXXX. I was current at the time of closing and was never aware of any missed payments or late payments. It is reporting 120 day late payments every single month for the past 2 years on that account. I have called the company Mortage Solutions Finance every single month for the past year to inquire about these errors on my report and they can not supply me with any information, or in fact that or ever existed. They can not find me in the system as ever having an account. This is preventing me from purchasing a house and is damaging and unfair. I have disputed this in XXXX of XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX of XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX of XXXX. They are still refusing to remove this from my report but yet can not supply me with that this debt ever existed. How is this possible, they are unable to verify this debt at all. How is this reporting to the credit bureaus?
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Collection Accounts on Credit Report I am writing to formally dispute the presence of a collection accounts on my credit reports. After reviewing my credit reports, I have identified accounts from XXXX, XXXX XXXX etc reporting as a collection items. 

I dispute the accuracy of this information, and I request a thorough investigation into the validity of all collection account. I have not received any communication from original creditors regarding this alleged debt, and I am not aware of any outstanding obligation to them. 

Please provide detailed information about the accounts, including the nature of the debt, the original creditor, and the dates of any transactions. I also request validation of the debt, including copies of any relevant agreements or contracts. Would also like all items bankruptcy discharged in XXXX  to be updated and/or removed.

Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of this debt. I also request that, during the investigation, the accounts be marked as " disputed '' on my credit report. 

I appreciate your prompt attention to this matter. Please inform me of the results of the investigation as soon as it is completed. 

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

The Credit bureaus stated - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, - Account name missing XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. 

This ground for removal. 

They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.

They also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law Clear states the credit bureaus have 5 days to notify me from when they receives my disputes.

They Also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ( IN ( li ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.
Product: Debt collection

Falsified dates and amounts has been reported to ruin my credit and has blocked me for the past few years to current date from opportunity to live a normal life. I had called, disputed and wrote for corrections and burden of proof with no results. Who owes XXXX for 1month in a 1bdrm individual owned condo when rent was XXXX dated from XXXX to XXXX with late fees added owed XXXX that was Refuse when attempt to pay was made by a non-profit organization. They listed the debt as owing XXXX from XXXX? Please help me to get XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I sent {$300.00}, {$100.00} in sets of three at different times, to a person in exchange for a new phone. I was hesitant on ending money because she kept asking for more money in order to get it shipped out to me, providing screenshots of proof that she needed the money in order to get me my package. Now that i see it, I don't think she ever sent me the phone and i think I just paid {$300.00} for nothing. I want to dispute the transactions, but I paid through XXXX, which has no buyer protection whatsoever. I was under the impression that it was safer then any other money transferring apps, but i was mistaken. After transferring the first XXXX, i was called by an unknown number claiming to be Bank of America. She said that they were calling her too, and I thought that was suspicious as well.
Product: Student loan

I recieved loans from XXXX XXXX as well as navient I requested a economic hardship deferment on XX/XX/19. Neither company has reached out I was told there is a delay in the processing of the forms that are electronically submitted however I am receiving current Bill 's as well as threats to report delinquent to the credit companies. I am unemployed and currently recieving state assistance. I am unable to make any payments hence the forms. However the student loan companies listed are not providing adequate options to prevent my account being sent to delinquency and penalizes due to their delay in deferment request.
Product: Credit reporting or other personal consumer reports

I kindly ask all BUREAUS to please Delete all wrong information on my credit file and updated my only correct address, name and employment, Thank you Names : My only name is XXXX XXXX XXXX XXXX I XXXX XXXX XXXX XXXX XXXX XXXX  and my current address is XXXXXXXX XXXX XXXX XXXX XXXXXXXX CT XXXX XXXX. Please Update my Personal Information as of today XXXX XXXX. Thank You so Much! 
I am not XXXX XXXX XXXX I am XXXX XXXX XXXX XXXX Employment : I do not WORK on XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX I XXXX XXXX XXXX XXXX XXXXXXXX XXXX Addresses : I never lived on XXXX XXXX XXXX XXXX XXXX, CT, XXXX Date : ( XXXX XXXX & XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CT, XXXX Date : ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX, CT, XXXX NO DATA DATE XXXX, CT, undefined Date : ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX, CT, XXXX Date : ( XX/XX/XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I noticed several incorrect items on my credit reports which I wanted to have corrected. I received a reply in XX/XX/XXXX  with the results and nothing I had requested was addressed. I asked for specific account information with my signature showing that these items were mine and if so, I would gladly handle them. They only replied with the fact that they were mine. I contacted the company that said they were mine and they couldn’t verify yet they said they would not remove it unless I paid. The primary issues were the XXXX XXXX enforcement which is the same account and shows up 3 times with negative information and was killing my score. I spoke with the XXXX and they corrected the information as current never late. Credit reporting agency would not correct even after sending them the information from XXXX. Another issue was XXXX  which was a medical debt which was not mine either. The dates don't match for anytime I had been in the hospital and I had insurance at the time they said that. Yet they strong-armed me again. Bully tactics. "pay or it will stay". After that complaint I received another dispute result on XX/XX/XXXX showing 7 XX/XX/XXXX accounts. All of which total XXXX. Coincidence? I think not. They wouldn't remove or agree that they were duplicates. I have sent multiple requests and attempts. I eventually just paid the XX/XX/XXXX, XX/XX/XXXX, XXXX, that said I owed money in order to help my credit score so I could get a mortgage and provide a better home for my family. The XXXX XXXX issue was eventually removed due to them not being able to verify that it was mine and yet it showed back up just the other day in my XXXX report. We have XXXX young children under the age of XXXX  and can afford a mortgage but due to the change in score we were no longer able to qualify for the initial XXXX  and went to XXXX and finally ended up receiving a denial letter and are not able to buy the house (attached). I went from an 800+ to below 600 due to the bully tactics of the "creditors" and the improper reporting of the Credit reporting agencies. I was able to get my score back up to a mid-700 in early XX/XX/XXXX but I can’t go any higher because the XXXX XXXX shows up as a collection and seriously impacts my score. As of now my score has dropped to a low 600 and I'm seriously having troubles securing a mortgage and I'm paying a ton of money due to increased interest rate on all of my other items. I have never been late on a payment nor do I owe anyone. Also, some of the items would be deleted and then added right back on within a few months. Then I would have to start this entire process over again. I have spent a ton of time and money trying to handle this and I’m at my limit. Credit reporting agencies need to be held accountable for their actions. I am also filing suit against them. To this day I am still battling them to remove the XXXX.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX i made a Zelle payment in the amount of {$1000.00} to who I thought was my aunt XXXX XXXX. When I logged into my chase app and went into Zelle to send the payment I typed in XXXX thinking it was my aunt. The lady that I sent the money by mistake was not even a contact in my phone so I dont understand the Zelle transaction was able to even go through. The lady lives in California but has a XXXX number. When I realize that this was not my aunt, I tried calling the lady to see if she would transfer the money back and she refused to. I automatically called the bank, and XXXX was no help. They were not able to refund me my money. XXXX denied my claim and did not refund me my money.
Product: Debt collection

{$360.00} Sent letters to credit bureaus asking to investigate and provide verification of debt per FCRA. Company failed to validate the debt belongs to me. 

Letters sent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I am attaching the paper trail with Certified mail receipt. 

company updated credit report " verified as accurate '' without providing proof of debt ; signed contract.
Product: Credit reporting or other personal consumer reports

I would like to dispute an inaccurate, untrue, incomplete, untimely, not compliant, and/or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report. While studying my report, I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, Metro 2 Format compliant or else XXXX XXXX  to every single one even each any and all of the regulations applicable laws and/or applicable standards of reporting of which you are undoubtedly mandated in your reporting obligation ( s ) to obey without default or deficiency of any sort. 
The following challenged information is among such allegations of which each and one all require immediate deletion or removal from reporting otherwise. I demand rightfully that you do so today, even now and here! Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( s ) of information that I mark as being in question. 

Listed below are the Personal Information that are being challenged Incorrect DOB : - 2000 Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX Employer - XXXX XXXX XXXX Incorrect Name : - XXXX XXXX XXXX Incorrect Name : - XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Credit reporting or other personal consumer reports

I reviewed a copy of my credit report and I noticed that there are unauthorized fraud accounts listed on my report. I have previously reached out to the credit bureau to rectify this affair but they have been negligent in complying with my request. I have provided a copy of a FTC REPORT, California state drivers license, a copy of my utility statement, and a copy of social security card.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX Balance Owed : {$68.00} XXXX XXXX Balance Owed : {$310.00} XXXX  XXXX Balance Owed : {$190.00} XXXX XXXX Balance Owed : {$600.00}
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 and confidentiality under 15 U.S.C. Sec. 1681. 


I told the Experian, XXXX, and XXXX to reinvestigate these accounts ( 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

Equifax went and deleted some of my good credit information on or after XXXX XXXX, 2016. I had XXXX accounts that were current deleted. XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. All accounts on attachment are recent accounts and need to be added back to report ASAP! this is hurting my credit report by removing my good information. 

The delete the good info but the fraud XXXX XXXX account and these inquiries they refuse to remove.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding what I believe to be a violation of my privacy rights under 15 U.S.C. 6802-6805 ( Gramm-Leach-Bliley Act, " GLBA '' ) and provisions of the Fair Credit Reporting Act ( " FCRA '' ). Specifically, this complaint is directed against Early Warning Services ( EWS ), as well as the financial institutions and credit reporting agencies ( CRAs ) that have shared my personal information with EWS without my consent.

Background and Nature of the Complaint Early Warning Services is a third-party entity that has collected and retained my personal and financial information without my consent. Attached to this complaint is a copy of my Early Warning Services Report, which lists the financial institutions and other entities that have shared my data. The sharing of this information was done without my express consent or in violation of federal privacy laws. 
Under 15 U.S.C. 6802, financial institutions are required to provide clear and conspicuous notice of their privacy policies and practices and allow customers to opt out of the disclosure of their nonpublic personal information to non-affiliated third parties. I did not receive such notices or an opportunity to opt out, as evidenced by the data held by Early Warning Services. This constitutes a direct violation of my privacy rights.

Furthermore, under the Fair Credit Reporting Act, credit reporting agencies, including XXXX, XXXX, and XXXX, are obligated to ensure accuracy, confidentiality, and permissible use of consumer data. By sharing my information with EWS, these CRAs have failed to meet their privacy and confidentiality obligations under FCRA, putting them in violation of the same laws.

Legal Violations 1. Violation of the Gramm-Leach-Bliley Act ( 15 U.S.C. 6802-6805 ) : Financial institutions that shared my data with Early Warning Services failed to provide the legally required notices and opt-out opportunities.

2. Violation of the Fair Credit Reporting Act : The CRAs listed above have shared my private information with Early Warning Services without proper authorization or permissible purpose, thereby breaching their statutory obligations to maintain the privacy and confidentiality of consumer data.

Supporting Evidence Enclosed with this letter is a copy of my Early Warning Services Report, which provides evidence of the entities that have shared my information. This report demonstrates the unauthorized dissemination of my personal data, constituting a breach of my privacy rights.