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

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : EMPLOYER : NOT PROVIDED XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX XXXX there is some inaccurate information reporting. 
XXXX  XXXX Bankruptcy XXXX XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX
Product: Checking or savings account

My Bank is XXXX. I informed them that an altered check ( payee washed and new name forged ) was debted to my account falsely.. 

The check was intercepted in the U.S. Mail and then the payee was changed and deposited in Chase Bank and eletronically sent to my XXXX account for transfer of funds. 
I told XXXX what happened and they alleged they contacted Chase for reimbusement. 
I have not heard back. XXXX XXXX XXXX XXXXXXXX. The check was for {$1000.00} made payable to XXXX XXXX. His name was washed out and XXXX XXXX XXXX XXXX XXXX  in in a strange handwritting and deposited in a Chase Account and sent to my bank for payment. Check was mailed on XX/XX/year> my bank paid Chase account on XXXX I noticed the descrepancy in my account in early XXXX got a copy of the check XXXX XXXX, reported it to XXXX and they made a claim to Chase which is pending?
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX BANK XXXX account # XXXX ( XXXX XXXX XXXX XXXX account # XXXX ( Transunion, XXXX XXXX XXXX XXXX AUTO account # XXXX ( XXXX, XXXX, Transunion ) XXXX XXXX account # XXXX ( XXXX, XXXX ) 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 a account without my written instructions
Product: Debt collection

A couple of months ago I noticed a debt collection notation appearing on my credit report. It was from profit services group for {$820.00} dollars. I sent them a letter over a month ago asking for an itemized bill and an explanation of the supposed debt and for harassment to cease in the meantime. XXXX said my letter was delivered and signed for but I never received a response. Then last week I got a second derogatory mark from them on my credit report for the exact same amount, XXXX dollars. It doesnt seem legal to report the same supposed debt twice to the credit agencies and they didnt respond to my letter so I dont have any information. I get 4-5 calls a day and would just like to know how and when I supposedly incurred this debt.
Product: Mortgage

please note that in XXXX I was granted a loan modification for my loan of aprox {>= $1,000,000} at a rate of 2 % interest only. the payments were very comfortable for us to make. at {$4500.00} per month including tax and insurance. our taxes are low as we owned our home since XXXX However the loan modification was only for 2years and we were still trying to get back on our feet when the lender increased our monthly mtg payment from {$4500.00} to {$12000.00} per month. OVER THREE TIMES THE AMOUNT. we were unable to make these payments and we again applied for a loan modification. 

after almost 7months the lender nationstar who now goes by Mr cooper approved us for loan modification however the amount monthly was still {$12000.00} which is three times what we were paying. 
we were told by the representative that if we did not accept it we would be foreclosed upon. so we made three trial payments but it was very hard for us and then we could not pay more. we were approved again but we told the lender that the payments being three times the original amount were just too high. 

now we are told that we have to short sale or be foreclosed upon. please provide us with any information to help us save our home Thank you XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent account identity theft XXXX XXXX XXXX  Amount XXXX OpenedXX/XX/18 I am disputing fraudulent account identity theft XXXX XXXX account number XXXX amount XXXX date openXX/XX/XXXX XXXX XXXX XXXX recently purchased XXXX XXXX/ XXXX credit card I previously had fraudulent account from XXXX XXXX/XXXX that was deleted from my XXXX Equifax and XXXX credit reports about a month ago and now that XXXX XXXX XXXX  had purchased the XXXX XXXX/XXXX card the same fraudulent account reappeared on my 3 bureau credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

in the beginning of XXXX I had a job offer that was a very high promotion ; a week and a half later I got denied the position and they told me it was based on my credit profile I havent checked my credit report in years and when I did I found major inaccuracies and accounts that I never opened or filed so I start contacting the creditors and also start contacting the credit bureaus on my behalf and I kept getting no progress this has not only been XXXX  for me having XXXX XXXX and XXXX XXXX but also XXXX  for my family because I didnt get the promotion that my family needed ; this is my last resort and try getting off the inaccuracies off my report and try to better my life and make ends meet after this terrible pandemic situation that hit us early of XXXX. Not only was my FCRA violation that they disclose my credit profile to an employer without giving me written consent and another FCRA violation of 15 USC 1681 I with the disputed inaccuracies after a few times disputed I dont know what else to do..
Product: Credit card

I have been a valued customer with Bank of America for the past 7 years. I have devoloped my credit history with them without missing single payment. Recent times, I have been hit by financial hardship due to my XXXX loans and other unexpected spending. And I had to get married by this time since it was an XXXX marraige. so my spending was so high and I took advantage of the 0 % APR and I used it to the MAX. The Bank closed my credti card accounts. Don't I even have 3 months time window to work on it? just because I missed two payments, how can they destroy my XXXX year relationship and how much effort I put in to build a credit. XXXX XXXX XXXX XXXX XXXX I just got back to my job and about to start making income. It will be easy for me to payy off without any settlement or collection options. so I strongly belive what they did to me is unfair!! 

Also one of the reason, I couldn't able to make a payment for two month is because I was in XXXX for my wedding. As soon as i got back to US, I contacted my bank and explain what I was going through. And I told them that It will only take 6 months to pay off my balance and I could bring back my accounts to the current. Even with that being said and informed, they closed my account!!! 

This is not fair at all.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Dispute of Inaccurate Late Payments on XXXX Mortgage Account Dear CFPB, I am writing to formally dispute the inaccurate reporting of late payments on my XXXX mortgage account, reported by Experian. I previously filed a dispute regarding these discrepancies, yet no corrections have been made to reflect the accurate payment history. This letter serves as a second dispute request, and I am asking for a full investigation in compliance with the Fair Credit Reporting Act ( FCRA ), as per 15 USC 1681i ( a ) ( 1 ) ( A ), which mandates that credit reporting agencies must conduct a thorough investigation upon receiving a consumer dispute.

Summary of Discrepancies Upon reviewing my payment records, I found no late payments on this account, yet each bureau reports different late payment dates : XXXX and Experian report late payments in XXXX and XX/XX/XXXX, as well as XXXX, XXXX, and XX/XX/XXXX. 
XXXX shows XXXX late payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
These discrepancies violate the FCRAs accuracy requirement and negatively impact my credit score. Therefore, I request a full investigation of these entries and a correction to accurately reflect a Paid As Agreed Never Late status.

Request for Documentation and Investigation Process Pursuant to 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ), I request a detailed description of the investigation process your agency conducted for this dispute, as required by the FCRA. Additionally, under 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), I request that all transactional information regarding this account be reviewed for accuracy.

Furthermore, please provide in writing the procedures in place, as per 15 USC 1666 ( b ), ensuring timely issuance of periodic statements. Should your agency be unable to provide valid evidence of these late payments, I demand that the account be updated to Paid As Agreed Never Late. In the absence of verifiable proof, I expect immediate rectification to maintain the accuracy of my credit report.

Reference to PAANL ( Paid As Agreed Never Late ) Given my record of consistent on-time payments, this account should reflect a Paid As Agreed Never Late status. This correction is essential to accurately represent my commitment to financial responsibility.

Thank you for your prompt attention to this matter. I expect a resolution aligned with the legal obligations outlined by the FCRA, the Consumer Protection Act, and the Truth in
Lending Act. Please respond within the FCRAs specified 30-day timeframe. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/2021 Portfolio Recovery Associates llc Att : XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, VA XXXX VIA USPS CERTIFIED MAIL Re : Account Number : XXXX & XXXX Dear XXXX XXXX XXXX : I recently pulled a copy of my credit report and notice your company is reporting 2 derogatory information there. I did not receive any initial communication of the alleged-debts. Please be advised, I dispute the validity of the alleged debts in its entirety. Further I request verification of the alleged debts, including, ( 1 ) the name and address of the original creditors, ( 2 ) copy of the oral or written request or application for the alleged accounts, ( 3 ) copy of a signed contract or signed agreement with the alleged original creditors, and ( 4 ) previous 12 months of statements of account if any. Your company is illegally attempting to collect an alleged debt and money that I do not owe. As per the law, including the Fair Debt Collection Practices Act, cease and desist all collection activity, including all credit reporting activity. Promptly request deletion of any prior credit reporting to credit reporting agencies. This letter may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this matter and receive all related information. If you fail to comply with this letter, I intend to turn the matter over to an attorney. 

Sincerely, XXXX XXXX XXXX ( Authorization to Release Information ) cc : Consumer Financial Protection Bureau
Product: Credit reporting or other personal consumer reports

Less than a week ago XXXX XXXX XXXX  reported me 30 days late for XX/XX/2023. Besides the fact that we are now in XXXX, this reporting is incorrect. I did make my XXXX payment in the month of XXXX, I also have a confirmation email from the lender that confirms my payment was made in XXXX. However becouse of the XXXX XXXX Holiday the payment was drafter on XX/XX/XXXX, because of this they reported me delinquent. This is absurd, as in any financial institution the payments posting date is always the date the payment was made not when it was debited from the account. I am currently refinancing one of my properties and because of this erroneous reporting the lender advised us that they are denying my refinance. This is a huge problem as I am loosing my locked rate and my deposit. Please help as soon as possible!
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

Account Name : NATIONAL CREDIT SYSTEM ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/2019 Balance : XXXX Reason : Identity theft Please remove it from my Credit Report.
Product: Debt collection

This collection agency have been calling me everyday about 3 times a day. Also this company has been calling my family members. They have been telling me that they are going to sue me, every time they call me they harras me and intimidate me. They are being really rude to me.
Product: Debt collection

Repeated calls between times specified that no calls are to be made. " No Call Time '' : M-F XXXX -XXXX as it was explained to Convergent collections. I have received repeated calls since notification. All calls are recorded on Convergent side. I will be mailing written notification today to them. This act is seen as harassment under the FAIR DEBT COLLECTION PRACTICES ACT.
Product: Mortgage

My account increased there escrow reserve for two months. I wanted to get out of the escrow after they increased it. I paid {$9000.00} to meet the loan to value ratio of 80 % of less. My mortgage was paid current for 12 months as required ( actually Ive always been current with this loan ). I paid {$2900.00} to cover the escrow shortage needed before XXXX These three actions were the legal requirements to close the escrow. I met the those requirements, but the company says private investors wont allow the removal. So now I have to pay an extra 2 months escrow and they wont allow me to close my escrow as promised and Im out of over {$9000.00} to pay down my loan to value ( which I was told by an agent that I needed to pay down my principle to get my loan to value ratio at 80 % to qualify for the removal. 

I have never been late in mortgage or escrow and I dont think I should be penalized because SPS investors are having trouble collecting escrow from other consumers with paying 2 months reserve. Prior to this reserve, I was already paying everything on time even my escrow shortage without any issue. If I meet the legal required terms they set forth in writing on their website ; I feel my escrow should be remove as legally promised in writing. Is this discrimination? Please investigate how they justify allowing my escrow to stay on my account. Please investigate if other XXXX XXXX or XXXX XXXX are allowed to remove their escrows when they submit their request.
Product: Money transfer, virtual currency, or money service

Hello, This is the 2nd time we have done an international transfer through Bank of America. The first transfer we didn't realize that Bank of America had the incorrect exchange rate on their site. We purchased goods from our XXXX XXXX in XXXX and when it received his money, he didn't have the total he requested. We then had to pay an approximate {$180.00} to him to make up the difference. We did a transfer today, and yet again, the exchange rate is incorrect. The PKR to USD is XXXX as of XXXX XX/XX/2020, but BOA shows it as XXXX PKR. That is a huge difference. We ended up having to pay an additional {$170.00} to our seller to make sure they received the total requested for their goods. If BOA had the correct exchange rate, this would not have happened. BOA owes me apprx {$350.00} due to having incorrect exchange rates on their site when doing transfers.
Product: Mortgage

I made payment to Nations Direct Mortgage on Monday XX/XX/XXXX electronically by my bank XXXX thru electronic payment. I received confirmation for chase that Nations Direct Mortgage was paid on the XXXX, Till today this payment has not been credited to my account. I have called repeatedly on XXXX, XXXX and XXXX and Nations Direct Mortgage can not confirm payment even thou I emailed the confirmation to Nations Direct Mortgage
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My account with DEPT OF EDUCATIONXXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EDUCATIONXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Checking or savings account

My XXXX XXXX Access has been blocked by Ally Bank and I have $ XXXX in my account.
Product: Credit reporting or other personal consumer reports

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.

I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )