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

Recently I applied for a line of credit with the Bank of America. My credit score is XXXX, I have substantial assets, and I own my own home free and clear. The bank advised me yesterday that there was a problem. On a title search it came up that there was an $ XXXX mortgage on my home taken out in 1987 through XXXX XXXX. And there was no release of lien. The problem is, that I never took out a mortgage with XXXX XXXX  located in XXXX, NY. What apparently happened was that XXXX was in financial difficulty. They merged about that time with XXXX XXXX. And then they were taken over by Bank of American. It looks like XXXX " Cooked the Books '' to increase their valuation before the merger. Now I am having a problem clearing my title.
Product: Mortgage

I recently filed for Chapter XXXX Bankruptcy and the Bankruptcy discharge was received on XXXX/XXXX/XXXX. My home mortgage was not included in the Bankruptcy and was not discharged. A reaffirmation agreement was not submitted for the home mortgage as it was our primary and only residence and we were not required to re affirm the home mortgage debt. I have had the mortgage/loan since XXXX XXXX, have never been late and never missed a payment. Since filing for bankruptcy in XXXX XXXX my mortgage lender has stopped sending monthly statements. After the discharge was received the mortgage company refused to submit my monthly statements. I have called 3 times since XXXX XXXX XXXX requesting to have my statements mailed and the mortgage company has refused to do so. The mortgage company stated if I do not submit a re affirmation agreement for the loan they would not report the on time payments to the credit bureaus and would not submit monthly statements. The bankruptcy has been completed, the discharge has been received and the mortgage company refused to send me monthly statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a phone call from a debt collector in reference to a payment on a credit card that I did not apply for, possess, or receive any benefit from. That is when I decided to check my credit report for accuracy. That is when I found out that I am a victim of identity theft. Some criminal used my personal information to fraudulently apply for several credit cards. There are two fraudulent XXXX XXXX credit cards reporting on my credit report that I did authorize my personal information to be used to apply for. I also have received no benefit from them. I have contacted the bank and the credit bureaus and no one seems to be willing to help me remedy this situation.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Credit Bureaus for Not Removing XXXX Account from Credit Report Dear Sir/Madam , I am writing to formally lodge a complaint against the major credit bureaus for failing to remove a XXXX account from my credit report despite multiple disputes and clear evidence supporting my claim. This unresolved issue is severely impacting my creditworthiness and causing undue stress. 

Details of the Complaint : Account Information : Creditor : XXXX Debt Collector : XXXX XXXX XXXX Background : XXXX sold the aforementioned debt to XXXX XXXX XXXX. 
I paid the debt in full to XXXX XXXX XXXX. 
XXXX XXXX XXXX confirmed that they did not report the debt to any credit bureaus and assured me that they would ensure the removal of any related XXXX account entries from my credit report. 

Issues with XXXX XXXX : XXXX is still reporting the account as " potentially negative '' on my credit report. 
The report contains incorrect and incomplete information, including but not limited to : Improper payment history Incorrect date of settlement Missing details regarding the date of debt transfer and the recipient of the debt Lack of debt validation despite numerous requests Violations of Federal Law : The continued inaccurate reporting by the credit bureaus and Discover is in violation of several provisions of the Fair Credit Reporting Act ( FCRA ), including : 15 U.S. Code 1681i - Procedure in case of disputed accuracy : The credit bureaus have failed to conduct a reasonable investigation into my disputes, as required by law.

15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies : XXXX, as the furnisher of the information, is obligated to report accurate information and correct any errors in a timely manner. They have failed to meet this responsibility. 
XXXX XXXX XXXX XXXX ( b ) - Accuracy of report : Credit bureaus are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. They have not adhered to this requirement.
Product: Credit card

I pay my monthly balance to Capital One in full each month. Each month they hold my available credit anywhere from XXXX days after receiving my payment. This month, I made the payment, then asked when funds would be released off of their hold. I was quoted XX/XX/XXXX. After checking my account today, this is n't the case. Contacted Capital One again, and now in the period of the last 3 days they have changed the date my funds would be available from XX/XX/XXXX to XX/XX/XXXX and now XX/XX/XXXX. They flat out lied to me, and then tried to cover it up. They claim that funds are held " At random '' but this occurs on my account every single month. When you try to get an answer they dodge the question and disconnect the call and/or chat session.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report.
Product: Bank account or service

I have been a royal credit card member with Capital one bank, so I made a call to the capital one customer service to upgrade my regular capital one card to the XXXX card One day, I went to the Capital one bank located in XXXX XXXX XXXX, NY to ask the banker the status of my update. She asked me to help her open a capital one checking account, which I said ok. Then she told me that I will receive a new credit in a few days. Several days later I got the card, but instead of receiving only XXXX quicksilver card, I got XXXX. Basically the banker applied a new one for me. I tried to call the branch, but the branch manager was always busy, and my credit score dropped by XXXX points. When I converted my card, the representative told me that I should n't have any points dropped since I did not apply for a new card. One day, I finally got a hold with the branch manager XXXX. He told me that he is going to investigate and call me back, but now its almost been a year, I still have n't heard anything from him.
Product: Student loan

Stated that they were unable to lower the interest rate. Stating its a government loan and theres nothing they can do about it. Also stated you are the one who took out the loan in the first place. Also stating the co-signer makes enough money.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I sent Experian a letter on XX/XX/2022 demanding deletion of multiple accounts that were reported on my consumer report. I never gave any written instructions to Experian to furnish a consumer a report. This violates 15 USC 1681b ( a ) ( c ) ( 2 ). I demand Experian provide proof of written instruction from myself the consumer instructing them to furnish a report. These false and misleading practices used by Experian to obtain my consumer information from XXXX XXXX and various sources violates 15 USC 1692e ( 10 ).

They have committed identity theft according to 603 Definitions ; rules of construction 15 USC 1681a ( 3 ) The term " identity theft '' means a fraud committed using the identifying information of another person, subject to such further definition as the Bureaus may prescribe, by regulation. They have committed identity theft by falsely representing and use of deceptive means to collect my consumer information without consent and collecting consumer information of alleged debts owed and furnishing a consumer report without consent to report this information on. I have tried multiple times to get Experian to delete these alleged debts owed, late payments and collections reported on my consumer report. I have disputed Experian on XX/XX/2022, XX/XX/2022 and XX/XX/2022 I sent letters of dispute for these accounts to be removed. 
I as a consumer have suffered from obscene and profane language on my consumer report. I suffered from XXXX  and XXXX because I'm unable to obtain employment or credit and fell into financial hardship and have not been able to obtain insurance or housing. My family and I suffered from abuse from Experian. 
By Experian obtaining my consumer information without any consent and furnishing this on a consumer report, caused hardship for myself and my family as well as damage to my reputation and suffering. This harassment and abuse is a violation of my rights as a consumer according to15 USC1692d ( 1 ) ( 2 ). 
Experian knowingly and willfully obtained my consumer information under false pretenses from XXXX XXXX as they state as the source of where my consumer information was obtained from without my consent to furnish a consumer report and service their customers violates my right as a consumer according to15 USC 1681q. 
My right to privacy as a consumer was also violated by the identity theft of my consumer information and furnishing a consumer report without consent being made available to service their customers such as creditors, employers, insurance companies, landlords etc. This violates 15 USC 1681 ( 4 ) my right to respect and privacy as a consumer.
Product: Credit card

Im kindly asking the CFPB for assistance in this case, so I opened 3 unauthorized transactions on my Apple credit because I did not authorize them, Ive been going back and forth with their investigation team because the refuse to conduct a proper investigation. I recently requested evidence from Them about the unauthorized transactions for all 3. The refused to send all 3 but they provided one. Looking over the documents theres nothing on any of these documents that shows I authorized this transaction, there different names and everything on these documents I never authorized any of these name to use my card. The up address is out my area and everything, yet they refuse to continue the investigation. Please see all the evidence they provided. They have all The evidence in their face that shows I didnt not authorize these transactions yet they keep closing the case and not doing their job
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to the 3 Credit Bureaus about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX  Bankruptcy XXXX
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent Advanced Resolution Services ( XXXXRS ), INC. an email requesting that they provide documents of information they used to verify an alleged bankruptcy. 

On XX/XX/XXXX, ARS responded stating that the information was verified by XXXX on XX/XX/XXXX and provided a voluntary petition from the United States Bankruptcy Court obtained from PACER. 

On XX/XX/XXXX, I replied to ARS noting that Public Access to Court Electronic Records ( PACER ) is an electronic public access service of the United States Federal Courts and is not considered a verification tool/resource as verification/validation must come from the original. 

On XX/XX/XXXX, ARS replied with the same response from XX/XX/XXXX and included the voluntary petition form obtained from PACER. 

I've requested that ARS remove the bankruptcy from my file if they are unable to verify the alleged bankruptcy noting that PACER is a for profit agency and can not be used to verify bankruptcy.
Product: Debt collection

XXXX XXXX XXXX does not stop calling me even though I have a Bankruptcy in place. 
They continue to call repeatedly threaten me and need to stop by law. I have tried many times to let them know as well as sent them my bankruptcy paper work. They use false names as well as ghost phone numbers and I would like them to stop calling and harassing me. 

Attached is a copy of my last letter to them. I have sent a letter requesting them to stop in each name they have called under as well. 

Thank you XXXX XXXX XX/XX/XXXX Certified Return Receipt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  ( XXXX ) XXXX / ( XXXX ) XXXX / ( XXXX ) XXXX Debt Collector : Pursuant to my rights under federal debt collection laws, I am requesting that you cease and desist communication with me, as well as my family and friends, in relation to this and all other alleged debts you claim I owe. 
You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Federal Trade Commission and the States Attorney Generals office. Civil and criminal claims will be pursued. 
Attached is a copy of my Chapter XXXX Discharge Dated XX/XX/XXXX. 
Collection of Discharged Debts Prohibited The discharge prohibits any attempt to collect from the debtor a debt that has been discharged. For example, a creditor is not permitted to contact a debtor by mail, phone, or otherwise, to file or continue a lawsuit, to attach wages or other property, or to take any other action to collect a discharged debt from the debtor. 
A creditor who violates this order can be required to pay damages and attorney 's fees to the debtor. 
Should any information needed please contact my attorney at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( fax ) XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX CC : XXXX XXXX XXXX , CA States attorney Generals Office, NV States Attorney Generals Office , Office of the XXXX County District Attorney , United States Bankruptcy Court District of NevadaXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted TransUnion about the following fraudulent accounts ; XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$110.00} ), XXXX XXXXXXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$17000.00} ), XXXX XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$620.00} ), XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$1600.00} ). If necessary I have the certified mail receipts for the dispute I send them. The dispute is attached. TransUnion have not responded to the dispute or correct the errors on the report from the above XXXX accounts.
Product: Credit reporting or other personal consumer reports

I am filing this formal complaint against XXXX XXXX XXXX  ( Account Number XXXX ) regarding their inaccurate and potentially unfair reporting of a collection account on my XXXX and Experian credit reports. I dispute the validity of the debt for the following reasons.

Unawareness of the Debt : I was never made aware of this alleged debt prior to it being reported to the credit bureaus. My rights as a consumer under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) were not honored, as I was not provided with proper initial communication detailing the debt, including the amount owed or the creditor to whom it was owed.

Lack of Opportunity to Dispute : Under the FDCPA, I have the right to dispute a debt within XXXX  days of receiving initial notice from a debt collector. Since I was never contacted by XXXX XXXX XXXX  and never received any notice of the alleged debt ( such as a " dunning notice '' ), I was denied my legal right to dispute the debt as required by law. Their failure to notify me means any reporting of this account to the credit bureaus is unlawful.

Failure to Accurately Report to Credit Bureaus : Per the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), creditors and debt collectors are obligated to ensure that any information they furnish to consumer reporting agencies is accurate. Because I was not notified of the debt and I question its validity, XXXXXXXX XXXX XXXX may have furnished inaccurate or unverifiable information in violation of the FCRA. 

This inaccurate and unverifiable account has negatively impacted my credit scores and created ongoing stress, as I did not have the chance to address it before it was reported. This also affects my ability to access fair lending opportunities. 


Desired Resolution : I request that XXXX and Experian conduct a thorough investigation under the FCRA to determine the accuracy and validity of the information being reported by XXXX XXXX XXXX XXXX Account Number XXXX ). If they fail to produce sufficient and verifiable evidence of the debt, the negative account must be immediately removed from my credit reports. 


I have attached copies of my current XXXX and Experian credit reports showing the " XXXX XXXX XXXX '' account in question. I also attach this formal dispute to both XXXX and Experian. 

Thank you for your prompt attention to this matter. I look forward to your investigation and resolution of this complaint.
Product: Debt collection

In XXXX when I came back from burying my mother I started recieving letters from Montgomery wards inside was a bill for I believe {$700.00}. I have never had any account with this company nor have ever had a credit card from them. Im not sure where this is coming from but I do know that I do not have any type of card with them. I disputed it because its not mine at all and they came back and told me it had been verified. This is a lie on someones part because in order to be verified I would have had to use this card somewhere and if thats the case please show me some proof. Im sure if I used this card anywhere there is a camera that has me using it. I know their isnt a camera or video on this earth that shows that because I never had any card from here. I dont know how they say its been verified and they are making me responsible and now I have all these bad things on my credit score. I want something done here. I cant take this stress. What really concerns me is everytime I have ever asked for credit, not XXXX time have I ever been approved for any credit card, so tell me how is it that another person or whoever or whatever is able to get a card? Thats very strange to me. Their is something fishy happening here and I will go as high as I can to get anwsers. Its my life and I have to suffer because of it and no one is helping me just causing more stress In my life. I just had to bury my mom because of covid and Im not in the best spirits and I refuse to allow someone to tell me I used a credit card I have never had. And I need to know when this card Was gotten? And who gave it to whoever it was given to? What kind of proof did they show when they were applying for this card? Thats what I need to figure out. This is very upsetting to me. Some of us cant sorry to bother u about this but Im lost as to what to do? Thank you
Product: Mortgage

I am the seller of a property and the buyers are using Quicken Loans, Loan Officer XXXX XXXX, NMLS XXXX. I am reporting XXXX based on the communication received from the buyers agent. Quicken Loans canceled two appraisers until finally allowing a third appraiser to complete the project. The appraisal had comps over a year in age and an estate sale and came in lower than contract price. The appraisal was disputed and reviewed and more recent and accurate comps where found. This was the source of the initial closing delay. After this was completed Quicken asked for additional information from the buyer which she provided. She went weeks without communication. I called the loan officer at one point and asked that he communicate with the customer so she could keep us informed of the progress. We were told by the agent that Quicken stated there was a delay because of USDA funding which was a lie because USDA was not having funding issues. We were told the loan had full approval and found out from the attorney that they were waiting for USDA to underwrite the loan. All the communication provided to me from the Buyers Agent which insists the information came from Quicken has been inaccurate. The buyers have missed two closing dates and the contract expires on the XXXX of XXXX. Their negligence has caused me money and may cause the buyer to loose their earnest money as I am not extending the contract past the XXXX.
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. 

Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, 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 have attempted to contact this company several times about this account being fraudulent and they have informed me to get a police report about the identity theft but the police stated they cant produce a police report for an loan that was taken out online, but yet this has continued to affect my credit for several with attempts to collect on debt I did not authorize. I need to know what other ways I can get this removed from my credit so I can put this behind me and start rebuilding the damage this fraudulent account has caused me because this company is not assisting me with that other than just saying I need a police report when I cant obtain one with his type of fraud.