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

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX To Whom It May Concern, Subject : Inaccurate Credit Reporting Request for Immediate Deletion ( 15 USC 1681s-2 ) I am writing to formally notify you of an ongoing issue regarding inaccurate information reported by your company to the credit bureaus, which violates the Fair Credit Reporting Act ( FCRA ). As a furnisher of credit information, it is your legal responsibility to ensure the accuracy and integrity of the data provided. 
The specific account in question is as follows : Account Name : [ XXXX ] Account Number : [ XXXX ] Current Reported Balance : [ {$5400.00} ] It is my understanding that this debt was charged off by your company, and I have reason to believe that a Form 1099-C was issued, which memorializes the cancellation of this debt. According to IRS guidelines, a debt cancellation through a Form 1099-C should no longer reflect as a balance on my consumer credit report. The continued reporting of this balance is therefore inaccurate and misleading. 
This inaccuracy constitutes a clear violation of the FCRA, as you are required to report only truthful and accurate information. With full knowledge of this error, you are obligated to correct it immediately. 
To rectify this matter, I request that you provide me with the following : 1. A return of the time and form prescribed by regulation or the Secretary, including : o My name o My address o My Tax Identification Number ( TIN ) o The date and amount of the discharged/charged-off debt o Any other relevant information as required by the Secretary If you are unable to provide the requested documentation and proof, I demand that this account be removed from my credit report in its entirety. Failure to comply with this request may result in legal action, as I will not hesitate to engage retained counsel to protect my rights under the FCRA. 
Please respond promptly and confirm the actions taken to correct this issue. All correspondence related to this matter should be sent to the address listed above. 
Thank you for your immediate attention to this matter. I look forward to your prompt and favorable resolution. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : XX/XX/XXXX SSN : XXXX
Product: Debt collection

I am writing to formally dispute certain information on my credit report. After reviewing the report, I have identified multiple inaccuracies. In accordance with the Fair Credit Reporting Act ( FCRA ), Title 15, Section 1681i, I am requesting a thorough investigation of the items listed, if they are found to be inaccurate or unverifiable. I am not liable for this debt, I was a victim of identity fraud/ theft this company created a two separate account, failed to provide me with documentation as requested and continues to report negative information to the credit bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously filed a complaint stating that the collection debts on my credit report were incorrect and they were removed by  XXXX  and  XXXX . However, Experian still maintains these collection debts on it credit report.
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 Name : XXXX XXXX  XXXX XXXX XXXX account # XXXX 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: Debt collection

I applied to Bank of America on XXXX XXXX, XXXX for a loan modification to my home equity line of credit which was converting to very high monthly payments. I could not afford the higher payment because I am XXXX and can not work. 

I was finally approved for the loan modification XXXX XXXX, XXXX and signed the agreement dated XXXX XXXX. There were conditions, must make the payments during the trial period, XXXX, XXXX, XXXX on time. 

I was assigned a resolution case manger, XXXX XXXX. She explained how the process would proceed and that late payment information regarding the loan reported on my credit bureau by the Bank would be taken off, " just be patient ''. 
I made all payments during the trial period as agreed. 

I reviewed my credit report this week. It shows an alert. I am over 30 days late in XXXX, over 60 days late in XXXX and over 60 days late again in XXXX for this Bank of America of home equity loan. The payments were made during the trial period of the modification on time and as in the agreement. 

As a result of the erroneous reporting my credit score has dropped significantly. 

Recently, my income has decreased from what I originally reported to the Bank. I tried calling the Bank several times hoping to get my credit file corrections expedited. I called XXXX XXXX, left several messages, no return call. When I finally got through to Home Loans Department, the gentleman said I " should be glad I still have my home ''. 

Yes, I am grateful that I got the loan modification and want to make all payments on time, but I will need at least a good credit score to exercise what options I have left to help me before too much time passes.
Product: Credit reporting, credit repair services, or other personal consumer reports

information showing to me as inaccurate or not mine to the best of my knowledge filed FTC claim XXXX/XXXX XXXX XXXX XXXX  XXXX  XXXX  ( missed this on the ftc please add it ) XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit has been compromised. Again, I was going through my records & noticed many information or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$420.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XX/XX/XXXX XXXX XX/XX/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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act : 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 -- -- Accounts XXXX XXXX XX/XX/XXXX XXXX XXXX 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

I have inquiries that dont belong to me on my credit file.
Product: Debt collection

The account the was closed on XX/XX/2022. The amount was {$1900.00}. The debt was charged off and sold to a third-party debt collector. I am still getting repetitive calls every couple of hours. The debt has been cancelled. According to the law, I am no longer liable to pay the loan back once it has been sold to a third party with whom I have no contract. My information was also sold to that debt collection agency without my expressed and or written consent. Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization, I, the consumer may have given, written, unwritten, verbal, and nonverbal, per 15 USC 6802.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting a {$1500.00} collection balance on my credit report that exists due to fraud. I am attaching the FTC fraud affidavit and police report I submitted to XXXX about the matter, but they refuse to remove the fraud from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and register a complaint regarding several inaccuracies on my credit report, including multiple late openings, late closures, and charge-offs, which have unfairly impacted my credit history. I have attached a copy of my credit report highlighting the disputed entries for your reference. I have identified several accounts that have been inaccurately reported on my credit report, specifically in regard to their opening and closing dates, as well as the status of charge-offs. These discrepancies are causing significant harm to my creditworthiness and have made it difficult for me to secure favorable financial terms and opportunities. 

I want to emphasize that I have diligently managed my finances and have not allowed any accounts to remain unpaid to the point of charge-off. These inaccuracies are unjustly tarnishing my credit history and do not reflect my responsible financial behavior. 

I kindly request that you initiate a thorough investigation into these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ). Specifically, I request that you : 1. Verify and correct the opening and closing dates of the accounts in question, ensuring that they accurately reflect my financial history. 
2. Review and rectify the status of charge-offs, removing any accounts that have been inaccurately reported as charge-offs if they are not legitimate. 
I also request that you provide me with a written response within 30 days of receiving this complaint, outlining the actions taken to rectify these inaccuracies. If you require any additional documentation or information from me to facilitate your investigation, please do not hesitate to contact me using the phone number or email address provided above. The following late open, late closed and charge off accounts should be corrected or removed by the credit bureaus : DEPTEDXXXX XXXX XXXX XXXXXXXX XXXX {$23000.00} - Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was paid as Agreed and I never missed a payment. Please update it immediately. 
DEPTEDXXXX XXXX XXXX XXXXXXXX XXXX  {$19000.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX {$2400.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it. XXXX XXXX XXXX XXXX : {$0.00} - The limit to this account was a fraction of the amount due it was stating. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.
Product: Debt collection

At the end of XX/XX/year>, I received a letter from Credit Solutions LLC informing me that they had acquired my XXXX credit account due to nonpayment. The current balance on the account is {$300.00}. 

I attempted to dispute the account with XXXX, but they verified that it was accurately opened in my name, using my date of birth and Social Security number. They confirmed that the account was created on or around Sunday, XX/XX/year>, in XXXX, California. 

While I do recall being near a XXXX store around XX/XX/year>, I do not remember applying for a new line of credit, as I already have a credit card with a {$5000.00} limit in good standing. A sales representative and cashier mentioned earning points for filling out a form but never disclosed that it was for opening a new line of credit, especially since I already had one. I never received a card or statement in the mail, nor was I informed of any approval, as I did not make a purchase on the day of the supposed application. 

After disputing the account with XXXX twice, I was advised to file a police report regarding my claim. 
Please see attached police report.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made many attempts to dispute the following accounts on my credit file ; these account do not belong to me. This is a case of stolen identity. I have asked Both XXXX XXXX XXXX and XXXX to send me proof that I opened this account. I have not received this proof. Perhaps you can get them to send you the proof. I have submitted them with an affidavit of fraud and I am including a copy of this affidavit. 

These are not my accounts : XXXX  XXXX XXXX - Opened - XX/XX/XXXX ; Balance {$4000.00} XXXX  XXXX XXXX - Opened - XX/XX/XXXX ; Balance {$2500.00} XXXX - XXXX ; Balance {$0.00}
Product: Mortgage

Do want to thank the CFPB for providing a forum to address Mortgage fraud. In my case JPMorgan Chase and XXXX XXXX as the CEO. JPMorgan Chase was and is the judge and jury in this case of downright fraud. They gave me a verbal mortgage ( their written word ) and decided after the first payment that they would no longer accept anymore payments. Dealing with over XXXX of their representatives - who were working under the direction of JP Morgan Chase with an incentive to foreclose on homes ( still waiting for XXXX XXXX to confirm ). No amount of forms filled out and sent by every conceivable method would ever arrive intact for this company. The stress, the torture that I went through is unbelievable. The answer was always the same - your file is empty, nothing in the file - who gave you the mortgage, who told you your home is in foreclosure, we have no idea what you are talking about. In the meantime bills that I was not allowed to pay was being wracked up by this dishonest institution. They finally had to agree recently that the claim of sending XXXX inspectors to our home was a mistake. I never saw one. No one ever rang the doorbell. Absolutely dishonest financial institution and as they say 'A fish stinks from the head down '. Now I am constantly on a 'merry-go-round '' of papers with them. Each week I can guarantee that they will send another form telling me that they are " Researching '' and will get back to me. Researching what. You had nothing in the file to begin with, unless you are trying to find ways to lie. What is there to research after all this time and fooling the CFPB about 'partial response '. A morass of corruption if ever I see one. At this time, I am taking my frustrations to the next level..Let me and XXXX XXXX take our case to the American Consumer. Let them continue with the useless 'researching and asking for extension ' routine. So thank you CFPB for providing a platform, however this is going nowhere and JPMorgan Chase has this figured out. In every instance of corporations and countries having a XXXX moment ' it is usually done by one individual. Well, I will make sure that 'Too Big to Fail '' JPMorgan Chase has its day of reckoning and hope to one day see the CEO XXXX XXXX doing the 'perp walk '. It is about time. There are many politicians out there in this competitive election year who would definitely like to put a face to the mortgage mess created by dishonest institutions like JPMorgan Chase while taking government bailout. Thanks again to CFPB but dishonest institutions like JPMorgan Chase feel secure in knowledge that they can fool you and everyone with useless extensions.
Product: Mortgage

We surrendered our home in a bankruptcy filing in XX/XX/XXXX. The loan was sold by XXXX to Bayview Loan Servicing approximately one year later. We made many attempts to do a deed in lieu of foreclosure with both XXXX and then restarted the entire process again after the loan was sold almost a year after the bankruptcy filing to Bayview Loan Servicing. Neither lender would work with us for the deed in lieu of foreclosure which we accepted and then we were told the mortgage would go into foreclosure after all our attempts to make it a smooth transition for the mortgage holder as well. We have continued to pay Homeowner 's Association dues in the amount of {$370.00} a month ( adjusted annually upwards ) for over 2 years since we are still the registered owners and we can not refuse to pay the HOA fees until the mortgage holder sends a letter stating that the property is in foreclosure due to the requirements of the Bankruptcy rules ( no new debt may be incurred ). We just found out today that the foreclosure process officially commenced on XX/XX/XXXX yet we were never notified, and we have continued to pay the HOA fees every month, never being late either. It is our belief that Bayview Loan Servicing acted in bad faith, knowing we were paying the HOA fees, and even after numerous calls and conversations, they made no efforts to resolve the issue so that the foreclosure would go forward. We were told so many stories that it 's hard to begin to tell them all, but we found out today by the Bayview Loan Servicing law firm here in Georgia who handles their foreclosures, that the ONLY reason the foreclosure has not been completely finished is due to Bayview 's negligence to provide the law firm the AOM, Assignment of Mortgage details that must be recorded with the county in which the property is located. Bayview has known this step needed completion for many months and even the law firm stated today on the phone that Bayview has been non responsive to their requests to obtain the AOM and that the foreclosure would have been completely finished by now had they provided the AOM in a timely manner. We believe that Bayview not only acted in bad faith but that they also purposely left us holding the bag for paying the HOA fees every month so that they would not have take over the expense of the HOA fees once the foreclosure process was formally in process with the AOM in order. This company, Bayview has preyed on us to force us to maintain a property that we vacated 2 years ago and they made no effort, by their own admission on the phone today, to get the AOM issue resolved. If we were given a notice of foreclosure back in XX/XX/XXXX when Baview first put the account into foreclosure status, we would have no longer been required to pay the HOA fees which by paying them, has kept us in a continued state of financial hardship solely due to the negligence of Bayview Lending Services and them choosing not to follow their own proper protocols and by acting in bad faith. We believe we should have the foreclosure expedited and should be refunded the HOA fees we have paid since XXXX XXXX at the very least.
Product: Checking or savings account

my wallet was stolen and someone used my bank of america debit card on XX/XX/2020 to withdraw {$700.00}. I called Bank of America to dispute the transaction as fraud as I didn't authorize the transaction. After repeated attempts disputing the transaction with bank, they closed my account with a negative balance without an adequate investigation. 

I filed a police report regarding manner and provided it to bank.
Product: Mortgage

Good morning, I entered into a purchase agreement with a Seller for XXXX XXXX in XXXX CA, on XX/XX/XXXX XXXX .I was given a pre approval letter by the seller 's preferred Lender Loan Depot on XX/XX/2022, with Lender credits for XXXX XXXX  if Loan Depot was used. Construction got delayed and seller gave me cash credits for {$7500.00} for the inconvenience caused, but tied it again to Loan Depot. 

Loan Estimate was issued on XXXX and Adverse action notice was issued on XXXX. 

Seller first wanted to keep my earnest deposits of XXXXXXXX XXXX XXXXhen wanted to return it and cancel my purchase agreement. 

I am not being allowed reasonable time to find alternate financing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My wife and I just moved to XXXX, WA for a job. We had a great credit score, in the high 700 's. When we set up a mortgage meeting, we were all shocked when she asked why our credit score dropped 100 points. 
It turns out that we had a {$900.00} student loan that was due the week before. A few weeks before, my wife had put everything on autopay so I'm not sure why it wasn't paid. I called right away and paid it in full. We got no notification that it was due soon. Our mortgage loan officer said the points should be returned to the account as it was a mistake. 
They are still not returned. We are living with my inlaws as our credit score is keeping us from buying a house.

Everyone I have spoken with says the points should be returned since it was a recent mistake. 
I hope you can help