23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I applied for and was approved for the Making Home Affordable Modification and was assigned a single point of contact. I madd mt trial payments as required andcwas told I had turned in all documents. I followed up on XXXX and was advised I was set on my plan and was good on my modification. I received a call XXXX XXXX advising I was removed from my modification due to not returning the signed trial document from XXXX which I was never informed of. This is poor communication and misinformation as I was given confirmation I had completed all required steps to compjete the trial. I was then told I was no longer eligible for MHA as it was no longer offered and I would have to restart the process. This is negligent and criminal in my opinion.
Product: Credit reporting or other personal consumer reports

I urge you to act swiftly in removing these unauthorized inquiries from my credit report. They are causing significant distress, and I have provided documentation for verification. Please expedite your investigation into this matter.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and this personal statement is being written by me. The Fair Credit Reporting Act ( FCRA ), the accounts listed in this report should not be furnished on my reports. According to FCRA section 604F, prohibits a person/company from using or obtaining a consumer report unless the consumer uses the report, and it is obtained for a purpose for which the consumer report is authorized to be furnished. FCRA section 1681-S states, that a company/person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing the information is inaccurate. Lastly, 15 USC 1681-4 consumer report agencies have to resume having a vital role in assembling a reevaluating consumer credit periods there is a major need to ensure that reporting agencies exercise their grave responsibility with respect for the consumers right to privacy. I demand the removal of these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. As well as the incorrect addresses of : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Mortgage

During the year  XXXX , I was late paying my mortgage payment for 3 months. Prior to the fourth payment 's due date, I rendered all late mortgage payments plus all late fees. Shortly thereafter, I received a document from Bank of America indicating that unless I discuss the situation with the entity, payments rendered my not be applied to my account. I did n't discuss my financial situation with Bank of America therefore, the non-delinquent account was sent to a collection agency for recovery. Collection agency representatives constantly placed collection notices on my front door knob and rang my door bell or knocked on my door. Because I did not respond to their demands,  XXXX   XXXX   XXXX  was dispatched to my resident. The representative placed a notice on a window near the front door saying the resident was vacant. As I was observed entering the home through the garage, a second notice was placed onto the garage door. Once I dial the telephone number typed on the document, a recorded massage said ; if I did not contact that agency, someone will change all the locks on the structure 's doors. Bank of America has mishandled my loan 's escrow account. The financial institution did not pay my property taxes and insurance premium. Today,  XX/XX/XXXX , someone dispatched the police to my resident to apprehend a squatter. However, I am not a settler with no legal title to the land occupied, The police officers wrote an inaccurate and would not provide me with the name of the person whom reported the incident. During my conversation with both officers, I said, I was late on a few mortgage payments but, they were remitted. This incident report is suspicious. I will attempt to encourage the po lice officer to a mend his report.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Per the FCRA, as a federally protective consumer, THE PRIVACY ACT OF 1974. ( 15 USC 1611 ) Criminal liability for willfully and knowing violations. ( 15 USC 1681 ) Accuracy and Fairness of Credit reporting. IT IS ILLEGAL TO REPORT TRANSACTION HISTORY. ( 15 USC 6801 ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public information. ( 15 USC 6802 ) Obligation with respect to disclosures of personal information. ( 15 USC 6805 ) The enforcement of the regulations prescribed there under shell be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulator, the State insurance authorities, and the Federal trade Commission with respect to financial institutions and other person subject to their jurisdiction under applicable law. XXXX XXXX XXXX XXXX why are you reporting my balance to XXXX, XXXX, TransUnion? My FICO Scores has dropped with XXXX XXXX Points XXXX XXXX Points TransUnion XXXX Points. This wasnt the first time this ongoing problem my previous complaint number XXXX. Abuse of access to customers private credit reports. 
IT IS ILLEGAL TO REPORT TRANSACTION HISTORY.
Product: Credit reporting or other personal consumer reports

XXXX shows 30 days late in the remarks section as you can see on the screenshot but my payment history shows never late. It also shows as a adverse account with transunion but it is a satisfactory account. Per XXXX, KIA must send them a dispute showing never late to update the remarks and place account in satisfactory
Product: Prepaid card

The prepaid card equifax sent out for its class action suit is not accepted anywhere.
Product: Credit reporting or other personal consumer reports

Please be advised that this is my 3rd WRITTEN REQUEST AND FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my right and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite my previous 2 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You stated in your responses to my 2 dispute letters that you have verified that the items listed below are accurate, but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of that of the documents that you used to verify the disputed accounts like you said you did. Your failure to delete the disputed accounts that you can not verify after 2 written requests is also evidence of your Willful disregard of Federal Law.

When we go through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you do not have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and Court will order you to delete them.

You say that you have reinvestigated these accounts but you have admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation in violation of 1681 { a } { 4 }.

I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law.

Please be advised that under Section 611 { 5 } { A } of the FCRA-you are required to .PROMPTLY DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED. I request that you do this immediately.

The law is very clear as to the Civil liability and remedy available to me { Section 616 & 617 } if you fail to comply with Federal Law. I am a litigious consumer and fully intend on fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 


Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account Name_XXXX Date open_XXXX Account Number XXXX Reason for dispute__IDENTITY THEFT Account Amount XXXX Account Name XXXX  Date XXXX Account Number XXXX Reason for dispute IDENTITY THEFT_________________ Account Amount XXXX
Product: Checking or savings account

Unauthorized claim reference : # XXXX Chime Dba : XXXX declines my dispute claim of unauthorized charges under XXXX merchant. 

I have never used this company or have tried to use them. 

Originally they had credited my a provisional amount of {$600.00}, but reversed the transactions. I have requested multiple times for documents on why this was done. 

I am upset and want to get my funds back because these are fraudulent charges.
Product: Credit reporting or other personal consumer reports

I have reported being a victim of identity theft, and you are required to remove any items that were opened without my knowledge, consent, or authorization within XXXX business days. This must be done upon receipt of the following : ( 1 ) proper proof of my identity, ( 2 ) a copy of my identity theft report, ( 3 ) my identification of the fraudulent information, and ( 4 ) my statement confirming that the information does not relate to any transaction I conducted. 
XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$11000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX HAVE CHANGED THE TERMS OF MY LOAN IN VIOLATION OF LAW. MY PROMISSORY NOTE EXPLICITLY STATES THAT ONLY MY PRINCIPAL AMOUNT IS TO BE REPORTED UNLESS I AM REMOVED FROM IBR. I HAVE NOT BEEN REMOVED FROM IBR AND INSTEAD FED LOANS HAS DECIDED ON THEIR OWN TO CHANGE THE TERMS OF MY CONTRACT AND HOW THE REPORT MY BALANCE. XXXX XXXX REPORTING THE INCORRECT BALANCE HAS CAUSED ME TO OBTAIN A 40 POINT DECREASE IN MY CREDIT SCORE! FURTHER XXXX XXXX   FAILED TO INFORM ME OF ANY CHANGES TO MY ACCOUNT AS REQUIRED BY LAW!!! I AM REQUESTING XXXX XXXX GO BACK TO REPORTING MY PRINCIPAL BALANCE ONLY OR I WILL BE FORCED TO SUE THIS INCOMPETENT COMPANY! THERE INTERNAL PROCEDURES DO NOT OVERRIDE THE LAW! THEY TRIED THIS SAME ILLEGAL TACTIC WITH ME LAST YEAR AND NOW RETALIATING BECAUSE I WAS ABLE TO GET IT REVERSED.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XXXX XXXX XXXX - an auto loan I had was paid in full. The account from XXXX XXXX XXXX is still showing as ( i ) open and ( ii ) with a balance on my credit report. I disputed this information with Experian - to which they concluded the account and current status will remain on my credit report because " the company '' ( XXXX XXXX XXXX ) has confirmed the results. 

When I initiated the dispute, I provided a copy of the letter I received from XXXX XXXX XXXX stating " consider this notification that the above detailed account with XXXX XXXX XXXX ( XXXX ) effectively shows a XXXX balance as of XXXX XXXX XXXX  '' The letter showing the XXXX balance was not enough for Experian to either ( i ) update my credit file to show this account as having a XXXX balance or ( ii ) change this account from an open status to a closed status.
Product: Debt collection

XXXX of this year I made an agreement with Alltran financial regarding one of my accounts. I made a one time lump sum payment to close the account and I have been continuing to make monthly payments on the other account. I just received a collection letter from XXXX XXXX solutions trying to collect on the account that I settled with Alltran in XXXX of this year. Not only did they lie to me on this account being closed but they sold it to another collection company.

I'm a little confused. If a person honestly tries to make right debts they owe, is their no responsibility on the collectors side to be honest?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a fraud alert from two of the major credit bureaus and a government credit monitoring agency informing me that an account with Bank of America has opened by using my social security number. I immediately tried to contact Bank of America with the information provided by the credit bureaus with no success. It seems that you must have an account to talk to a live person over the telephone. I have yet to hear anything from Bank of America.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 in 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. XXXX, XXXX XXXX, and XXXX XXXX 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

Money in the sum of {$17000.00} was stolen from my account and transferred to multiple gambling sites which chase apparently has no way to dispute.
Product: Credit card

The bank has informed me of the number of dishonored payment on this account. however, always they daid the account information is incorrect or the bank is not accepting the payment. when I have called my primary bank ( XXXX XXXX  and XXXX  XXXX XXXX ) both mentioned, They didnt receive any charge from Synchrony bank. after I informed it, Synchrony proccess the payment. 
Those account are saved in my online account to pay easy without mistakes, I dont know why they mention has some mistakes in your account if before passed without problem. 
I have now paid the full amount to avoid further problems with this account, but I dont want to have a bad rating for this reason when it is not my fault. 
Since the beginning I have received the return until I call the Bank and they process again with the same bank information. 
Also, in XX/XX/year> they charged XXXX dollars due to my check didnt pass, and I called to the supervisor and they removed the fee due to this was a mistake, I called my bank and they never received the request for this payment. same issue occured at the first time, I paid late fee due to I paid in advance and they returned my payment 10 days later and posted later with same date of payment. 
I have called to synchory bank on XX/XX/year> after received the letter and they told me, we sent you a first letter on XX/XX/year> and I never received it. Also, i never received the Email with this information, only this letter with cancellation straight. ( If I receive this letter on time with notification, for sure Ill take actions to pay the full amount to avoid this cancelation on time.
Product: Credit card or prepaid card

I have this police report where I stated that I lost my bag with my cards & IDs inside. I am a victim of identity theft. The fraud activity was made on XX/XX/2016 with a balance of {$10000.00}.
Product: Debt collection

In XX/XX/, I called in and set up a payment arrangement with XXXX XXXX XXXX  for a total of {$50.00} originally, then $ XXXX month afterwards, in which, then my account balance was on {$550.00}. The representative that I spoke with, a female, acknowledged the arrangement as she tried to get me to make a payment of {$110.00} on that day. I told her that I did not have that amount on that day, but I would happily make the {$50.00} payment, and the {$100.00} payment in the following month. The following week, I received a call from a male representative from XXXX XXXX XXXX  asking for a payment, I advised him of the arrangement that I had made the previous week, in which he denied seeing in their system and he even stated that XXXX XXXX XXXX  does not offer payment arrangements, although on my XXXX XXXX XXXX  app, it states to call them if there is difficulties making payments, in which I attempted to do. The following week after I had spoken to the male representative, I discovered that my whole account was locked. the last contact with XXXX XXXX XXXX  was a paper statement in XX/XX/, asking for a payment of {$61.00}, although my account was locked by then. In XXXX, XXXX   upon my last availability to access my account, my balace was on $ XXXX. In XX/XX/, I started receiving debt collectors letters from a company named XXXX XXXX XXXX XXXX who said that they were a debt collector, trying to collect a debt for LVNV for {$940.00}, a company in which I had never had business with, nor have even heard of. Upon checking, it states that LVNV was a debt collector, attempting to collect a debt for XXXX XXXX XXXX. As time goes by, I started receiving the same letters from a company called Resurgent Capital Services, who is trying to collect a debt for LVNV Funding, LLC on behalf on XXXX XXXX XXXX. I am disputing the amount of the debt, I am disputing the companies involved, in whom I've never had any business with. I'm not an expert by far, but this look very predatory to me. How does my account go from the {$600.00} 's, to lock, then to debt collectors, trying to collect debt for one another for {$940.00}?. How does my account continue to grow interest and fees when it's " closed. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

RE old deleted XXXX XXXX  re-inserted -illegally NEEDS TO BE DELETED refer to FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ) TRANSUNION DELETED AN ACCOUNT AND REINSERTED WITHOUT EVER NOTIFYING ME.

Statement of Facts there is a law that does state that if AN ITEM IS DELETED from a credit file and is RE-Instated for ANY reason.. the Credit bureau must notify ME within 5 business days after the date of re-insertion. This is a law or code of the FCRA the exact law pertaining to this issue is 15 U.S. Code 1681i FCRA 611 ( a ) ( 5 ) ( B ) ( ii ) AND I quote ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

It has been well past 5 days and I received no notification of a re-insertion. Is this law not valid?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email : XXXX I have been trying to get the clear for 3 years now. My address, phone and email are above. Remove all addresses other than the one listed, I have never lived in Florida. This is my life and my informarton I need you to get this corrected. I just viewed my credit report and this is destroying my credibility. 

My one and only First and last name is XXXX XXXX XXXX and I have no other names or aliases. Please remove all other versions of information from my report I am requesting you remove all information that is incorrect. I am including my notarized License that I sent you all for up to two years now. Update my identifiers. 
USING YOUR INDIVIDUL WEBSITES DONT WORK XXXX you cant even reset a password, Transunion wont allow you to update or even dispute, XXXX does everything for payment 15 USC 1681 e ( b ) Accuracy of report 15 USC 1681 1i ( 5 ) Treatment of inaccurate or unverifiable information 15 USC 1681 i ( 7 ) Method of verification 15 USC 1681 B permissible purpose Since fraud has picked up so much I will only reply bye email or if I am in an office in person
Product: Payday loan, title loan, or personal loan

For the past four months they are not supplying the balance or payoff amount to keep the consumers as my self in the dark. They are collecting payments and not crediting the accounts. When asked for my loan balance no one knows. The company keeps saying they are upgrading their system so they can not supply me with my loan balance.
Product: Debt collection

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects.
Product: Checking or savings account

On XX/XX/2022 I was called by Truist Bank and asked if i had made two withdrawals that day one for XXXX dollars and one for XXXX dollars at a Truist Bank in XXXX. I told the person that called i had not. she told me to to go to my local branch and to call their fraud dept. which I did immediately. On XX/XX/2022 I received an email from Truist telling me that they completed the investigation and the had refunded the money. no refund ever showed up in my account. today at XXXX XXXX  i received another email stating that they denied the claim. I have proof of all of this. no one can tell me which branch these fraudulent transactions occurred. this has caused undue stress and strain on me. I am XXXX XXXX  XXXX and i have all the stress i can handle. please look into this. i am sure they have cameras in their banks and if they review the tapes they will see who stole the money from my acct. I have copies of the withdrawal receipts that my local branch gave me. the signatures are obviously aren't mine and they are not even signed the same way. i always use my payroll signature which contains my middle initial. one of the receipts has the middle initial and one does not. WHY WOULD SOMEONE CALL ME THAT DAY AND ASK ME IF I MADE TWO WITHDRAWALS FROM MY ACCT? 
something is very odd about this whole ordeal. i just need my money returned.