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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Date of XXXX SS # XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Attn : Customer Relations Department XX/XX/year> Re : Request to describe method of verification To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.l received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies XXXX XXXX XXXX Account # XXXX Please remove it from my credit report. 


15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies XXXX XXXX Account # XXXX Please remove it from my credit report. 


15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry:XXXX Please remove it from my credit report. 







I was also wondering if you were familiar with something called 15 U.S.C. Sec.

1681i ( a )? I heard that if you can't provide proof, then these accounts must be deleted. If you are not able to update as per requested I expect all the accounts deleted immediately.

It is also to my understanding that I am entitled to an updated credit report as well as anyone who has inquired to obtain my credit report in the last 6 months. Please send me a copy of the updated report to the address I have provided.

Also, send a copy of the updated report to all who inquired on my credit in the last 6 months.

Lastly, you have 30 days to complete this investigation, as per Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to E-OSCAR or any means of automated verification. 
Thank You, Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Police and FTC Report for Identity theft filed for XXXX XXXX XXXX XXXX ( credit card {$16000.00} ) and XXXX loan attempt,
Product: Mortgage

SPS provides no real source of assistance ; hiding behind the cookie cutter paper correspondence and assigned NAMED relationship managers YOU NEVER SPEAK TO? One hand doesn't know what the other is doing! Contradicting communication with less than through information has placed me in a dire situation. They referred legal action towards foreclosure after numerous dismissed attempts on my requests for relief? Poor communication allowed me to struggle and pay during a forebearance period I DIDNT KNOW ANYTHING about? Forbearance was stopped in XX/XX/2021 unbeknownst to me and created a balloon payment thus causing foreclosure proceedings! I never agreed nor did I know this was going on ; meanwhile I was asking for help ( deferred payments, rearages on loan, lower monthly payment, etc. ) SPS Relationship Manager ever contacted me about to discuss ; no email phone call or direct correspondence, nothing! The concern is I'm struggling for COVID relief and FOREBEARANCE as depicted under the cares act. The problem is SPS appears that they are in line with the CARES ACT procedures. However, the borrower is at stake caught in the middle in dire need to save their family home during a pandemic! Please be advised in addition to this complaint I have an abundance of email communications with my relationship manager and SPS the last 2 years. Requested documents were all sent in and weren't utilized? Yet in contradiction SPS was active with my loan during the same time? Currently, I contacted SPS and emailed them regarding leaving a message with my SPS RM to finally help me ; their protocol is 24-48hrs that was last Thursday? In contradiction SPS will send a letter reflecting about HOW I'M NOT DOING WHAT I'M SUPPOSE TO ( placing the borrower at fault, in a unjustified situation )? At this point, I've contacted your organization and a housing counselor in addition to assisting me cause you can't trust the lender with your loan even with the protection of the president morandum. Consumers need protection in addition to actual relief and assistance, we shouldn't have to PAY the price for incompetent services and no real help as the government intended. 

XXXX** ( Email screens shots are attached for your reference of my communications with my lender and the profound concerns while they continue going down another path with my loan! ) *****
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to request your assistance as a victim of a severe form of XXXX  in persons, as defined under XXXX XXXX. XXXX ( XXXX ), or XXXX XXXX  under XXXX XXXX. XXXX ( XXXX ). This situation makes me eligible for certain adverse credit information to be blocked according to XXXX C.F.R. XXXX.
Product: Debt collection

90 days ago XXXX credit showed up on my experian credit report. This was after the same company tried to take money out of my bank account and I filed a police report. My bank then denied the company and reversed charges. 
I have NEVER had an account with XXXX credit. My purse was stolen in XX/XX/XXXX I don't know if that has anything to do with it, but I have disputed it with experian unsuccessfully and can not get a response from XXXX after emailing repeatedly. I would like this account immediately removed from my credit report.
Product: Credit reporting or other personal consumer reports

Experian will not give an option to speak to a live person. I have a lender ( XXXX ) trying to get access to my credit report but it is being denied due to some sort of security freeze ( or equivalent ) My experian app says that I dont have a security freeze on my account. the lender tried again to access my credit report and it was once again denied with the same messege. 

This is causing a delay ( and eventually denial ) of a loan
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

DISCOVER BANK WAS XXXX AND IT WAS SUPPOSED TO BE DELETED OFF MY CREDIT REPORT PLEASE REMOVE ITS SHOWING A BALANCE I DONT OWE
Product: Debt collection

On XX/XX/XXXX, at XXXX, I was contacted by Midland Credit Management , XXXX XXXX XXXX, and threatened with a lawsuit related to old credit card debt. Such action is illegal under FDCPA ( an unfair practice, at a minimum ) and causes me mental anguish.
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint to report that TransUnion, Experian and Equifax credit bureaus are illegally reporting false and inaccurate information on my credit report. This constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates that credit reporting agencies must conduct a reasonable investigation when a consumer disputes the accuracy of information. Under 15 U.S.C. 1681e ( b ), credit bureaus are also required to maintain maximum possible accuracy of the information they report. The failure to correct or remove inaccurate data after notice and investigation is unlawful. I request immediate intervention to ensure compliance with the FCRA, correction of the false information, and enforcement actions against the responsible entities.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. it is plainly stated that a failure to investigate these items within 60 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will take legal action due to the stress you caused me. My information may have got into the hands of the wrong person.
Product: Credit card or prepaid card

My Bank of America credit card was closed on early this year because I was not making my payments. I contacted Bank of America through letters stating that I was going through a  financial hardship and they still closed my account as well as keeping 4 late payments on my account. For the months of XX/XX/XXXX to XX/XX/XXXX I was struggling to make my payments because of my financial situation back then. I have been a loyal customer with Bank of American since XX/XX/XXXX. For them to close my account and not waive my 4 late payments knowing that I was going through a financial hardship is not great customer service but terrible.
Product: Checking or savings account

Between XXXX and XXXX I had a checking account with Wells Fargo and they charged me overdraft fees to the point where my whole paycheck would be taken every XXXX weeks even without any transactions being made. I disputed the amounts and the customer service employees would laugh and hang up on me. I eventually went with another bank but this bank was horrible to work with.
Product: Bank account or service

My account was closed by PNC Bank .... My account experienced fraudlent activity.I told PNC .I was n't paying it ... So I am now in collections ... Through a third party collections agency.I am disputing the charge again.I am requesting PNC take back the debt and service the account an XXXX balance.Since it was fraudlent activity done on the account.They seem to have an I do n't care attitude.I am a XXXX who understand they are in violation of the Fair Debt Collection Act of XX/XX/XXXX and The Fair Debt Reporting Act of XX/XX/XXXX.If this serious matter is n't resolve with 30 days.I will file a XXXX Dollar Federal Class Action Lawsuit in US District Court.I will also subpoena every phone call recorded and every note on my account.I will not tolerate being on XXXX and reported to the XXXX credit bureaus ... My account should never have been charged off.
Product: Credit card

XXXX XXXX ( comenity bank ) has me owing them {$2100.00} for purchased items i did not buy. Disputed and refused to remove. Collecting illegally. Adding to XXXX  now on top of it after i filed another dispute on XXXX  as retaliation
Product: Credit reporting or other personal consumer reports

According to the IRS an unpaid charged off in income and according to the FCRA income can not be reported on a credit report. I received a 1099-C for the following charged off account listed below. After checking my most recent and current report the updated information stated that this account was still being reported. This account can not be reported as a charge off on my credit report. 

XXXX XXXX XXXX XXXX XXXX I've include proof of 1099-C on Tax transcript.
Product: Debt collection

I have disputed this with XXXX. Asking for proof this debt is mines. And each time I get a computer generated response that the debt is valid and totally ignoring the proof I requested
Product: Credit reporting or other personal consumer reports

Fraud accounts being relisted in violation. Please block all fraud accounts and related inquiries per FCRA, XXXX XXXX and CFPB unless you can provide valid verification and original signatures. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPARTMENT OF EDUCATION FOR {$1500.00} Charges filed XXXX XXXX ORIGINAL POLICE REPORT attached, address, emails, current bank statement, FTC, supplemental police report and ID attached for verification thank you
Product: Student loan

I have been trying to apply for the XXXX Forgiveness Grant Application that Navient offers. I have filled out and sent in on 5 different occasions their form for requesting the grant. Each time it was denied I would call up and fix the error they said I had made, and then resend it in just to find out that another error was " noticed '' on it and then had to refill out and send in the form again. On XX/XX/XXXX I sent in what I had hope would be my 6th and final form. I did NOT get a denied letter this time so I assumed it went through. 2 months have passed and I didn't receive anything from them, so I called them today ( XX/XX/XXXX ) to see how my application is coming along. The representative told me that it was never sent and that they already told me it was denied. After arguing with her she then apologized and said that I was right I didn't get a notification, but I still needed to fix my form FOR A 6TH TIME. I told her I wanted to speak to her manager or another representative. I was transferred and she, again, confirmed that I was right and they did not inform me that my application that I sent in XXXX was denied. I then asked well can they send it in now. She said no because of section 3 on the form THEY GAVE ME and already filled in was incorrect. I needed to write " NAVIENT '' on it not their phone number ... but I explained to them that THIS WAS THEIR FORM AND IT ALREADY HAD THEIR NUMBER ON IT, I DIDN'T DO IT. Plus if that is all then why can't they just write it in themselves? Why is it such a big deal to not send in my form to the government to get approval? I have been XXXX  for 9 years now with XXXX XXXX and all I'm asking is for that {$5000.00} dollars that they promised by filling out a simple form. Why is it becoming more of a hassle than it is? So now I have to re-fill out a new form and resubmit it and hopefully then " accept '' it, but now I am pushed back on paying off my loans for another 3 months.
Product: Mortgage

I started the refinance process with US Bank back in XXXX of 2020. We have still not closed. Up front they promised certain fees would be waved due to my situation. They changed the response later on. I have asked for follow ups going on for 5 months. Part of the delay was because they don't understand Land Trusts verses Living Trusts. I had to hire a lawyer to explain it to them. Four weeks later, they required similar documents which the lawyer said was not applicable. I have tried to communicate with levels of management only to get the same run around. Meanwhile, I have extra fees I must pay plus 5 plus months of extra interest due to a rate that is 1.5 points higher that what I was trying to refinance against.
Product: Bank account or service

Contractor performed an unauthorized debit/draw without my permission for {$2400.00}. Fraudulent claim was submitted to Chase Bank. Police report was made. Pictures of work unfinished were submitted. Copy of contract was emailed to Branch Manager. Initial payment of {$1100.00} was agreed to be paid by me. Contractor did not complete work as agreed per contract. Contractor debited my account for {$2400.00} additionally at a later date without my authorization. Chase Bank awarded Construction company the full {$2400.00} after their investigation. Was told by local law enforcement that this is a civil matter. Bank has no right to allow a charge on my debit card without my authorization. The construction company was only owed {$1100.00} if work was completed. Work was not completed as per the contract.
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 


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

The company General Revenue XXXX called my workplace and disclosed information on me and my debt. My work does not allow these calls and they have asked them not to call.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account do not belong to me i never had a contract with this company please remove this account .Also my rights are being violated 15 U.S.C 1681 section 602 A. states I have a right to privacy. 15 U.S.C 1681 section 604 A. also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate with a consumer in connection with the collection of any debt. company name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX I have no knowledge of this please remove immediately. Thank You sincerely, XXXX XXXX
Product: Mortgage

We had a loan modification done on our Mortgage. We went the the office of BOA with all the managers and other workers in presence of us signing the new payment and balance. They ( BOA ) proceeded to add on a balance of $ XXXX. Onto the end of our mortgage. Notification, reason. We have all our documents from that day with all the witnesss present and they had to sign. No where on it does it have the $ XXXX on it. They also sold our loan to XXXX XXXX. They are a debt collector. We are no longer behind on our payments. The only thing showing this money we owe that is NOT on our original modification Documentation. 
What are our options? 
Thanks Im advance XXXX XXXX
Product: Credit reporting or other personal consumer reports

I contacted the credit bureau to remove these 4 inaccurate accounts on my credit report. They have not responded back to my request. I would like for these inaccurate accounts to be removed from my credit report immediately. They are violating my rights and hurting my ability to obtain credit. I asked for these accounts to be blocked and deleted. 

XXXX {$750.00} XXXXXXXX XXXX {$890.00} XXXXXXXX XXXX {$950.00} XXXX XXXX XXXX {$6100.00}
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, nor transunion can provide me proof of any of my disputes, the creditors are reporting late payments for charge off and collection
Product: Credit reporting, credit repair services, or other personal consumer reports

This company named Sarma made 2 unauthorized inquiries on my credit report without my permission and demand that these be removed immediately!! I never gave nobody theyre associated with nor them to pull my credit!!!
Product: Credit card

I made a {$20000.00} payment on my Citi XXXX AAvantage card. It was a direct transfer from my checking account. WITHOUT TELLING ME they placed a 15 day hold on this payment and then denied charges because I was over my credit line. I had to talk to XXXX people and the bank to prove that they had the money ON THE DAY I PAID IT. Basically they collected interest on this money for 9 days. I was able to force them to acknowledge that, and to correct their error. But the the first person tried to tell me I had to wait 15 days, which is ridiculous because those transfers are relatively instantaneous.
Product: Mortgage

My escrow analysis has typically been performed every XXXX. My mortgage company, Regions, is claiming they did a company wide escrow analysis in XXXX which caused mortgage payments to increase based on a projected amount that can't be confirmed or changed until XXXX XXXX. The escorw analyis was done 6 months earlier than it should have been and is increasing payment based on a projected amount that is not accurate. My escorw is not currently negative and will not be negative when the normal analysis is due in XXXX. Further, I have made extra payments into escorw each month to insure the escorw is not negative. 

The mortgage company is basically increasing payments to guarentee people go into default to force them into loan modifications at the current interest rate. There is no reason to increase payments before the escorw analysis is due, especially when, after the analysis was done early, the escrow is not negative. 

The mortgage company also told me that if I continue to pay the old mortgage payments they will put me into default, although interest and principal will be paid and it is still adding to the surplus already in my escorw.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX. Please remove these accounts ASAP.