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

I filed for bankruptcy and it was XXXX but for some reason XXXX XXXXXXXX account is still open. It should be included in bankruptcy. Tried to dispute account but having issues
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Bank : # XXXX, XXXX XXXX Bank XXXX XXXX. : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX  : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX  XXXX # XXXX, XXXX Bank : XXXX XXXX, has violated my rights. 


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: Mortgage

My Name is XXXX XXXX XXXX and I'm the daughter of XXXX and XXXX XXXX. In the XX/XX/XXXX my family bought their first home with the home loan coming from Bank of America. Fast forward to the XX/XX/XXXX my Father XXXX XXXX was XXXX and tried in a XXXX XXXX and later XXXX to XXXX XXXX for a XXXX XXXX XXXX. My mother since has suffered two minor XXXX XXXX, diagnosed with XXXX XXXXXXXX XXXX, and has had XXXX XXXX placed into the XXXX of her XXXX and placed on XXXX XXXX unfortunately unable to work. I submitted a hard ship letter to Bank of America as well as worked on behalf of my parents for the last 4 years with XXXX submitting documents. Documents including paycheck stubs, Tax Forms, Budget forms, as well as entering into a re-modification program. We were indeed approved for the re-modification loan. We were approved for a trial mortgage and began moving forward. During the duration of the trial period all accounts of required funds were met and on time via cashiers check through the U.S. postal service. The last requirement needed from us was the signature of my father to reinstate the mortgage permanently. My father did not sign the documents but my mother was able to sign the last document. The bank told me moving forward not to send any more money and that the process would not move forward. the sale date of my family 's home is a week away. I am able to pay the mortgage and save it from foreclosure since working tirelessly through this re-modification process and for the past 4 years. from the age of XXXX. I writing this complaint as my last front for assistance and guidance in this matter. Thank you.
Product: Credit card or prepaid card

In XX/XX/XXXX, my credit card account with Chase was closed involuntarily because of a " process error '' on their side, shortly after paying the annual account fee. This account has been open for over 5 years and I have been a Chase customer for over 12 without a missed or late payment. In order to re-open this account, the onus has been on me to submit substantial amounts of paperwork confirming their mistake. This paperwork was submitted on XXXX XXXX, 2017. Since then, Chase has had well over 5 weeks to act on this request, but has refused to re-open the account or rectify this situation. I struggle to believe that it takes someone over 200 business hours to take such a simple action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Im XXXX XXXX. Im Trying To Cleanup My Reports. Ive Got Some Complaints About XXXX  XXXX XXXX Texas Area XX/XX/XXXX Inquiry. Myself & My Wife Got A Letter From Our Bank. XXXX XXXX Stating Were Approved For A Vehicle. We Was Told Our Letter From XXXX  XXXX Was A Gimmick. We Suffered For Months With The False Info XXXX  XXXX Gave Us. Our Credit Has Been Damaged. 

Ive No Knowledge Of Myself Applying For Anything At XXXX XXXX XX/XX/XXXX. 

My Credit Was Hit 4 Times On XX/XX/XXXX The Following : 1 XXXX XXXX 2 XXXX XXXX 3 XX/XX/XXXX/XX/XX/XXXX 4 XXXX XXXX XXXX I Did Not Give Anyone Permission To Ask For Anything From These Companies. 

I Have No Knowledge of 3 XXXX On XX/XX/XXXX XX/XX/XXXX & XX/XX/XXXX. 

I Had Some Health Issues : Both Feet  Had XXXX For 30 Days Right After Id Moved In & I Had A XXXX XXXX With XXXX XXXX. 
These Health Companies Reported Me To You When I Got Kicked Out Of My Apartment and When I Was Hurt. 

1 XXXX XXXX XXXX XXXX XXXX {$1500.00} 2 Central States {$190.00} 3 Central States {$610.00} 4 Central States {$1100.00} 5 {$72.00} 6 XXXX XXXX  {$1400.00} 7 XXXX XXXX {$2200.00} Ive No Knowledge Of XXXX XXXX XX/XX/XXXX. 

Ive No Knowledge Of Owing XXXX XXXX XXXX {$1800.00}. I Did Have Service With Them. My Bill Was  {$500.00}, Not {$1800.00} Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is an account that has been reported with an incorrect balance, incorrect payment history, incorrect opening date and all XXXX of these issues have been brought to the attention of the Credit Bureau by dispute. 

However, each dispute has come back as 'VERIFIED '.
Product: Checking or savings account

On XX/XX/year> I made an payment, with this account on XXXX XXXX is XXXX  XXXX I requested to get 3 pairs of shoes, all together the price was {$230.00} I paid with venmo at the time, It's been an month now and i still haven't received my shoes i asked the man about the shoes, I have gotten no text back, he's constantly online on XXXX but he never texts back. We used an different number to contact & we never had gotten the shoes, He would not answer and he said that " he was tracking the number " but when I asked about the tracking number he kept saying he couldn't find it. He said that he lived in XXXX, Washington.
Product: Credit reporting or other personal consumer reports

Re : Request for Blocking and Removal of Fraudulent XXXX XXXX Credit Card Account from Credit File To Whom It May Concern : Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? I am writing to formally request the immediate blocking and removal of the fraudulent XXXX 's credit card account from my credit file, as it was opened without my authority and knowledge. This unauthorized account is in direct violation of my rights as a consumer to have accurate and updated creditor information reported on my credit file, as guaranteed by the Fair Credit Reporting Act ( FCRA ) XXXX XX/XX/2023 I filed a completed report with the Federal Trade Commission ( FTC ) and submitted a police report regarding the fraudulent opening of the XXXX 's credit card account. As such, I have taken all necessary steps to report this unauthorized activity and have provided the required documentation to support my claim. Experian failure to block and remove this unauthorized account constitutes a violation of my consumer rights. According to the FCRA, consumers have the right to dispute inaccurate information on their credit reports and to have such information promptly corrected or removed. By neglecting to take action on this matter, Experian is infringing upon my rights as a consumer and is failing to fulfill its obligations under the FCRA. This letter serves as my second formal request for the immediate removal of the fraudulent XXXX 's credit card account from my credit file. I demand that Experian takes the necessary steps to block and permanently remove this account within the legally mandated timeframe. Failure to do so will leave me with no choice but topursue legal and civil action to ensure that my rights as a consumer are upheld and that I am not unfairly burdened by inaccurate and unauthorized information on my credit report.I expect a prompt response to this request and confirmation of the removal of the unauthorized XXXX 's creditcard account from my credit file. Please provide written documentation of the actions taken to address this matter. 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately Accounts : XXXX XXXX
Product: Checking or savings account

I got one offer from Comerica Bank. Access Checking Account with {$200.00} offer. Application # XXXX. I was told to the nearest bank branch and open the account with that offer. I did the same and successfully opened the bank account. 
Everything was all okay. As per the offer, I was suppose to have a direct deposit of {$750.00} 3 times within the 90 days to get this {$200.00} offer. I have already fulfilled those conditions but today I got the email that my application is cancelled and now I need to start all over again?
Product: Vehicle loan or lease

Dear CFPB i have owed this company consumer portolio sinceXX/XX/XXXX. the balance never seem too cease. XX/XX/2020 my car was hit sitting at a traffic light, according to XXXX my insurance co the car was considered a total loss because the air bags ejected. the loss amount of XXXX was paid too consumer portfolio. this company never called me to discuss my other options, except continue to pay and they considered my account in the rears even though payments was made in XXXX. it was said to me on XX/XX/2020 when i called that the payment did not come from me so my account is considered late and more late fees has been added to the account. i was so upset because the black balled my name with the credit bureau 's. i can not get another car even if i want too. plus with the virus out here killing people, i have not been able too work since XX/XX/XXXX, my workplace was force too shutdown. so now i have no car and can not get one. please help me!
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Are reporting an account that is not mine, called company to explain that account was not mine and that my father has the same name and address and to remove from my consumer report.
Product: Debt collection

I only found out about Credit Collection Services trying to collect payment from me because they reported to a credit bureau before ever notifying me by mail or phone. I disputed this collection with the credit reporting agency XX/XX/XXXX. I subsequently received a call from Credit Collection Services, and I told them that I needed proof of the debt in writing. On XX/XX/XXXX, they mailed me an XX/XX/XXXX XXXX statement for XXXX XXXX XXXX, XXXX IL with the amount of {$53.00} due. There is no explanation of what the charge is for at all, but my balance prior to XX/XX/XXXX is listed as - {$9.00} on the statement, and charges of {$62.00} were added XX/XX/XXXX, but there is not explanation of what these charges are for. I have not lived at that address since XX/XX/XXXX!
Product: Mortgage

Nationstar is my mortgage lender. I applied for a XXXX cash out refi to make repairs on my home. The purpose of the loan is to purchase or refinance. I need the equity out of the loan to make the repairs. that is the purpose of the loan. I have an FHA loan insured by HUD. I meet standard credit guidelines. I am gainfully employed. I have live in the home 17 years. I need a new roof and a new garage and painting upgrades to the bathrooms and kitchen also repair bathroom leaks that have caused damage. the roof is dilapidated and in serious need of repairs. the garage door is in serious need of repairs as well. I need to do upgrades in the bathroom and kitchen and repairs bathroom leaks that have caused damage. the Appraiser lied on the appraisal. she took picture of the garage and said they was the attic. She did not look at the attic. that was not true I was standing there in the garage when she took the picture. She did not make comparable comparisons to my home. Nationstar wants me to make the repairs then the will do the loan. But that is illogical. once I make the repairs I wo n't need the loan. I do not have enough money to make such substantial repairs at once and the need to be done immediately. They are not following FHA guidelines. The FHA is backing a loan on a substandard home and will not give proper resolution on the property. 
this is the statement I was sent from nationstar about the loan. 

" After receiving your appraisal and sending it to the Underwriter for review, we ca n't move forward with your refinance until the following items are repaired : '' 1. ) Have a properly functioning garage door 2. ) All peeling/chipping paint sealed 3. ) Pass a roof inspection 4. ) Pass an inspection for damage to the areas where water had leaked to lower, level ceiling and cost to cure the ceiling by a licensed contractor 5. ) A barrier constructed to prevent any safety issues for the storm drainage ditch This exactly the reason for the loan. To make the repairs.
Product: Debt collection

I, XXXX XXXX, a consumer ; am notifying you that I dispute this alleged debt pursuant to 15 USC 1692g. I request that you provide me with verification of this alleged debt. Verification consists of a formal declaration in where you swear to the truths that the statements of the facts of the matter, have first-hand knowledge and must be notarized. 

Since this debt is disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease collection of this alleged dept which includes reporting to my consumer report with XXXX, XXXX, and XXXX. 

I hereby inform you that you do not have my consent to communicate with me through US mail. Furthermore, I did not consent to you having my personal and private information. This constitutes aggravated theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies.
Product: Mortgage

The Current issues and concern I have are : XXXX. PHHs failure to properly service the account and ; process and apply payments in the total of XXXX made to PHH on XX/XX/XXXX For the reinstatement of the mortgage and escrow account. 
2. That as of XX/XX/XXXX PHH has stopped properly servicing the mortgage account due to the fact despite my repeated request for an accurate copy of the monthly mortgage statement. 

On XX/XX/XXXX, XXXX XXXX Consumer Account Analyst of PHH informed Texas Department of Savings and Mortgage Lending : a reinstatement of {$17000.00} was provided, were applied to satisfy past due payments, {$2500.00} was posted to cure the escrow shortage, and {$380.00} posted as an additional principal payment. 

On XX/XX/XXXX, XXXX XXXX informed Texas Department of Savings and Mortgage Lending : ..the HAF request included the escrow shortage. The escrow shortage is not determined by the appraisal district, rather it is the amount lacking in the escrow account which would result in a payment increase. The funds received were posted correctly The records of XXXX XXXX XXXX XXXX I presented to Savings and Mortgage Lending Is to show that prior to the payment made on the XXXX of XXXX there were no shortages in escrow. 

The mortgage statement dated XX/XX/XXXX not only reflects the total amount due for past payments but also, the amount in escrow which may result in a escrow shortage and/or payment increase. 

After the reinstatement of mortgage, no records support PHH claims of : 1. A lack, or shortage in the escrow account that would result for an extra XXXX cushion. 
2. An increase of the mortgage payment in the amount of {$1500.00}.

3. A account balance due for the XX/XX/XXXX. 

XXXX XXXX also stated On XX/XX/XXXX, .PHH does not determine the assistance available or how to apply it. PHH applies the funds it receives from HAF according to HAFs instructions and these instructions we followed when PHH applied {$17000.00} to this account.

Tx Haf provided me with the instructions and guidelines regarding their mortgage Reinstatement Program. [ See attachment Enclosed. ] A reinstatement program is, by definition, to cure delinquency.

Since the reinstatement of mortgage, PHH has failed to Fully comply with Tx Haf program and has stopped properly servicing the mortgage account. 

enclosed documentation : 1. my compliant to Texas Department of Savings and Mortgage Lending. 
2. Information showing : the balance outstanding balance prior to the {$17000.00} payment [ see statement dated XX/XX/XXXX ]. 
3. Information showing there was NO escrow deficiency or shortage prior to the reinstatement of mortgage [ see XXXX XXXX XXXX XXXX receipt and statement ]. 
4.Information showing : the original fixed mortgage payment of XXXX [ see statement dated XX/XX/XXXX ] 5.Information showing : PHH are providing me inaccurate monthly mortgage statements [ see mortgage statements dated XX/XX/XXXX and XX/XX/XXXX ]. 
6.PHH correspondence submitted through Texas Department of Savings and Mortgage Lending.
Product: Checking or savings account

I am writing to request your assistance in resolving a claim of identity theft and fraud that I initiated on XX/XX/XXXX, with Claim ID # XXXX. 

The claim concerns a fraudulent charge of {$200.00} that caused my business account to go negative during a period of reduced activity in my business. Upon noticing the charge, I promptly initiated a dispute, and I was issued a {$200.00} temporary credit, which brought my account current. However, on XX/XX/XXXX, I noticed the funds were deducted from my account due to a temporary credit reversal, leaving me liable for the fraudulent charge. 

After speaking with a representative from the XXXX XXXX Department, I was informed that the charge could not be considered fraudulent because it involved the use of my debit card chip and PIN. The representative suggested that a chip card could not be subject to fraud, which left me feeling unheard and frustrated. I want to emphasize that this transaction was not authorized by me and is a result of identity theft. 

While I understand the complexities of fraud investigations, I am disappointed by how this matter was handled. Fraudulent transactions can occur even with advanced security measures, and I believe my situation was not properly reviewed. To support my claim, I have filed both a police report and an FTC report ( Report XXXX : XXXX ) documenting the crime. 

As a loyal customer with multiple personal and business accounts, as well as credit cards with Bank of America, I have always appreciated the excellent service provided by my personal bankers, business bankers, and merchant representatives. I trust Bank of America to protect its customers, and I am disheartened by this experience. 

I kindly request that someone from your executive team review my claim and consider the attached documentation. I truly value my relationship with Bank of America and hope that we can resolve this matter in a way that restores my trust and confidence in your institution. 

Thank you for your time and attention to this matter. I look forward to hearing from you and am hopeful for a resolution.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a charge from XXXX XXXX  back in 2018. It was a charge from XXXX XXXX  satellite company. It was for equipment that was lost in transit when I closed the satellite account. I sent the equipment back and it was either stolen or lost. XXXX XXXX charge me for it and I told him I was not going to pay it. So it went to this company. My bill with XXXX XXXX has always been 100 %. My credit profile is also pristine and I have exceptional payment history with every creditor I have. In this collection is a defamation of my credit profile. Ive disputed it three times. And it was resolved on XXXX XXXX and the XXXX  bureaus. It was deleted from my credit profile in XXXX of this year. I had been on a three-way call with the creditor and experience for two hours. And we could not resolve the issue. XXXX  interstate is a terrible company and they said its against their policy to remove some thing. And Experian just wanted permission from them to remove it from Experian. I dont care if the creditor keeps it on Their end or not. But when Im trying to buy a house this is not working out and it does not justify my background and credit history and is almost illegal because it wasnt a collection on my actual satellite account. I should not have even paid the bill off. I paid it a month or two after it showed up on my credit report and shouldnt have out of Ethics because I shouldnt be responsible for it. Please request the phone call I made last week from XXXX. It was a three way call with Experian, XXXX and myself for 2 hours.