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

I Received A copy of My Credit Report I saw My Address On File Is Incorrect & Needs To Be Fixed IMMEDIATELY AND THERE ARE FRAUD ACCOUNTS That Don't Suppose To Be There REPORTING. I've Notified The Creditors As Well As The Credit Agencies. Please help me Resolve this problem with these FRAUD ACCOUNTS to Be Deleted/REMOVED. PLEASE HELP ME RESOLVE THIS ISSUE. THESE ARE THE ACCOUNTS : XXXX XXXX Balance : {$4900.00} account # XXXX XXXX XXXX XXXX Account # XXXX Open XXXX XXXX account # XXXX Date XXXX Under FCRA XXXX XXXX : XXXX XXXX XXXX XXXX Purposes XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be find under XXXX XXXX, Imprisoned for not more then 2 years. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Company Name : Achieved Personal Loan Account Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX AZ XXXX To : Whom It May Concern On XX/XX/XXXX, I was looking on my experian account to get an update credit score and noticed that Achieve Personal Loan a company I did not recognize for an amount of {$5500.00} on XX/XX/XXXX. I have no idea who this company is. I never gave them written consent to furnish my information or obtain my information. In 15 U.S.C. 1681 ( g ), I am a victim of identity theft, and I did not make this charges. I am requesting that the charges be removed/ the debit reinstated, that any finance and other charges related to the fraudulent amount be credited, as well, and that receive an accurate statement.
Product: Credit reporting or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1400.00} XXXX XX/XX/2023 XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$9000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

CBNA XXXX XXXX XXXX XXXX XXXX, SD XXXX Subject : Notice of Fourth Amendment Violation Invasion of Right to Privacy I am writing to formally notify you of a potential violation of my constitutional rights under the Fourth Amendment of the United States Constitution, which protects citizens against unreasonable searches and seizures and guarantees the right to privacy. 

On or about XX/XX/year>, I became aware of an action taken or authorized by your organizationCBNA ( Citibank North America ) that may constitute an unlawful invasion of my privacy. The incident appears to involve the unauthorized access, reporting, or handling of personal information without proper notice, consent, or legal justification. 

The Fourth Amendment ensures that individuals are secure in their persons, houses, papers, and effects, and this protection extends to electronic records, credit reports, and personal data. If your organization accessed or reported personal data without proper legal authority or failed to obtain my informed consent, this may constitute a serious constitutional violation as well as a breach of privacy rights under applicable federal laws such as the Fair Credit Reporting Act ( FCRA ). 

Action Requested : A detailed explanation of the nature and purpose of any access or reporting related to my personal information on or around XX/XX/year>. 

The legal basis or authorization under which this action was carried out. 

Immediate removal or correction of any information that was wrongfully accessed, reported, or disseminated.

Assurance that such conduct will not continue or be repeated in the future.

Please consider this notice a formal demand for accountability, and take the appropriate steps to investigate and remediate this matter. If I do not receive a satisfactory response within 30 days, I will consider all legal options available to protect my rights, including filing a formal complaint with regulatory bodies and pursuing legal action. 

Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX
Product: Mortgage

XX/XX/XXXX I requested modification from Chase bank Was told account was up to date can not qualify for modification unless past due Allowed two months to past and no mortgage payments were made, now past due Called back Chase and they initiated modification process Received correspondence about every 2 to 3 months from Chase requesting updates on my wife and me Completed forms for update and faxed back from a local Chase branch when each request was made About XX/XX/XXXX was advised modification was denied did not qualify The modification underwriter stated that my household income was to high Appealed denial on how it was done or processed and presented to me Received call a back on about XX/XX/XXXX from modification underwriter that my appeal of modification denied because no changes and we should consider a quick sale or a foreclosure Also he advised that my modification was originally denied from the beginning and because of mortgages regulations that they follow, had to continue processing under denial Asked him why was this denial allowed to go for almost one and half years if denied at an earlier stage. said had to follow banking regulations Was referred to a non profit organization HOPE to assist called HOPE and referred to XXXX ( financial solutions ) spoke with XXXX took down all my information and is under review
Product: Money transfer, virtual currency, or money service

I was scammed using Zelle and was unable to get my money back. I filed a claim through my bank but it was denied, and my account was closed. Didn't receive my money back.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Dear Sir/Madam, I just found out that Caine & Weiner, a collections law firm, has reported and opened a collections account on my personal account and it comes up when someone pulls up my credit. I have never asked or received a personal loan from their client, XXXX. That loan was received by a small business and it was a small business loan without collateral or personal guarantee. The company that got the loan went out of business and now, this company is coming after me. I 've never signed a contract and the company was using my signature for loans and other business matters as I was XXXX of the shareholders. This company ca n't post this under my personal account as there is no proof that I signed for that small business loan and it was a small business loan, not personal. This company is using my social security number for wrong purposes and they have to delete this record from my file immediately. I 'm in the process of moving and this has created a big problem for me. It is against the law and they jeopardized my housing opportunity and my job application. I will file law suit against this company if they do n't delete it from my personal record immediately. 
Regards, XXXX
Product: Mortgage

My mother has a reverse mortgage on her home. The mortgage was sold to Champion Mortgage and since then they 've harassed my mother constantly. Now they say that she is dead and the loan will be due and payable and they will foreclose on the home. My mother is very much alive, and was even interviewed on camera today, from our local news station XXXX. They 've been very cruel to her on the phone, and would not tell her, or me ( her daughter ) how they came to this conclusion. The stress that this has caused my mother and family, is too much.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX acct XXXX XXXX XXXX acct XXXX XXXXXXXX XXXX XXXX XXXX  acct # XXXX XXXXXXXX XXXX acct XXXX XXXXXXXX XXXXXXXX XXXX XXXX acct XXXX XXXXXXXX XXXX acct XXXX XXXXXXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Checking or savings account

In XX/XX/XXXX Bank Of America commenced assessing a {$12.00} account maintenance fee to my personal checking account. Per their policy, an account maintenance fee will not occur if a minimum of {$250.00} is directly deposited into the account monthly. 

From XX/XX/XXXX to XX/XX/XXXX my account received weekly direct deposits in which the monthly total was greater than the minimum of {$250.00}. However, Bank of America still assessed my account the maintenance fee of {$12.00} for each month.

When I contacted them making them aware of this error and requested the fees totaling {$140.00} be waived, they advised they can only waive the most recent fee.
Product: Mortgage

I have sent emails, with the documentation from the township showing the tax exemption. 
I have spoke with the the mortgage company several times. 
The township has spoke to them about this, and I am still being charge the taxes in my monthly payment. It is ridiculous. Of course I am going to pay because i dont want my house to go into foreclosure. 

XX/XX/XXXX purchased home XX/XX/XXXX tax exemption given from township and mortgage company approved XX/XX/XXXX taxes put back into my payment XXXX XXXX resent the documents to the company XXXX XXXX asked for another anaylsis XXXX XXXX my payment went up another {$800.00} Now in XXXX it has increased further. 

I have sent the tax bills that show the credit and they townships has spoke with the Mr. Cooper ( mortgage company ) they are still charging the tax in our escrow. No one can tell me why.
Product: Credit reporting or other personal consumer reports

I am a victim of identity fraud theft i have notified all 3 credit bureaus since XX/XX/year> and continue to be victimized. 
Here are the following accounts : DEPT OF EDXXXX- {$2400.00} DEPT OF ED/XXXX- {$1800.00} XXXX  XXXX- {$140.00} XXXX XXXX- {$1300.00} XXXX  XXXX XXXX Original creditor : XXXX XXXX XXXX.- {$190.00} XXXX XXXX XXXXXXXX Original creditor : XXXXXXXX XXXX {$1500.00} XXXX XXXX XXXX Original creditor : XXXX  XXXX XXXX XXXX XXXX- {$11000.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$1300.00}
Product: Credit card or prepaid card

Company decreased limit by XXXX XXXX dollars before statement period after paying the credit card down substantially. There is absolutely no cause for this decrease and will affect my credit negatively. I have never missed a payment, been late, nothing. Absolutely no cause for this action by the company. Reached out to the company with no success. I am an accountant who makes most of my yearly income from XXXX XXXX, I use my cards throughout the year and pay them down completely during these months. Reducing my credit line to half now shows on my credit report as an extreme negative with my balance near 100 %, this is not only extremely negative to my credit report but my overall credit wellbeing.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX  XXXX XXXX, MO XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX , MO XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  , MO XXXX XXXX XXXX Balance Owed : {$77.00} XXXX XXXX  XXXX Balance Owed : {$460.00} XXXX XXXX XXXX Balance Owed : {$600.00} XXXX XXXX Balance Owed : {$610.00} XXXX XXXX Balance Owed : {$610.00} XXXX XXXX  XXXX Balance Owed : {$750.00} XXXX XXXX  XXXX Balance Owed : {$410.00} XXXX XXXX Balance Owed : {$50.00} XXXX  XXXX XXXX Balance Owed : {$440.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1900.00} XXXX XXXX Balance Owed : {$2700.00} XXXX  XXXX Balance Owed : {$120.00} XXXX  XXXX Balance Owed : {$50.00} XXXX  XXXX Balance Owed : {$50.00} XXXX  XXXX Balance Owed : {$50.00} XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$1800.00} XXXX XXXX Balance Owed : {$190.00} XXXX XXXX  XXXX Balance Owed : {$91.00} XXXX  XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX****Balance Owed : {$170.00} XXXX XXXX Balance Owed : {$89.00} XXXX XXXX Balance Owed : {$2700.00} XXXX  XXXX Balance Owed : {$600.00} XXXX  XXXX  XXXX XXXX Balance Owed : {$120.00} XXXX  XXXX  XXXX XXXX Balance Owed : {$320.00} Chapter XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX Chapter XXXX Bankruptcy Reference # : XXXX Date : Filed/Reported : XX/XX/XXXX Chapter XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX FI XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

About 1 year ago I when thru a XXXX many things were going bad with my kids XXXX, XXXX all kind of situations took me about 6 months to put myself back up and I try really hard to cut up on many thing that I left behind. 
the most important thing I ever have its my house I want to please have another chance on keep it I have a lot of documents that can prove my willingness on doing so but I also think that bank of America did not help me and because of that I felt for a scam witch I trust for this company they suppose to help me with my loan modification. 
please review my loan again, my house was in a loan review and little be after I was decline for any help they foreclose the house, until this day the house is not for sale or by a 3rd party, bank of America owns the house.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax, I checked my personal credit report, which I acquired from your organization on XX/XX/2018 and I noticed a fraudulent inquiry had been made on XX/XX/2018. 
I contacted XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX they could not verify that the information was being reported. 
I request that you initiate a reinvestigation into XXXX XXXX XXXX XXXX XX/XX/18 ) inquiry on my credit report to determine who authorized the inquiry. If, once your reinvestigation is complete, you find my allegation to be true, please remove the fraudulent inquiry. DO NOT CONTACT ME VIA US MAIL. CEASE AND DECIST FROM COMMUNICATING WITH ME VIA US MAIL. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, PLEASE RESPOND ONLY VIA THE CFPB PORTAL with a description of the procedures used in your reinvestigation for THIS SPECIFIC INQUIRY within 15 business days of the completion of the reinvestigation. Thank you for your assistance in this matter. 

Very Respectfully, XXXX XXXX
Product: Debt collection

I have these companies ; 1- MRS BPO LLC 2- XXXX XXXX XXXX XXXX XXXX XXXX XXXX They are attempting to collect an old debt that was placed as " charge off '' from XXXX XXXX XXXX more than 4 years ago. The Texas Debt Collection Act sets a statute of limitations for collecting debts. In Texas, debt collectors only have four years to collect a debt, and that limited timeframe means that debt collectors can not pursue legal action against a debtor if a debt is more than four years old. 

I have requested validation of the debt, contract of all parties that they own the debt, deletion of all reported to the credit agencies until this is totally100 % accurate, and cease and desist from all telephone communication and only by communicate with me by mail. 
They have failed to comply with all my legal requests, causing me and my family additional stress, suffering and frustration plus credit damages and costs.
Product: Credit reporting or other personal consumer reports

I pulled my credit report and unbeknownst to me these unauthorized inquires was/are on my report.
Product: Credit card

On XX/XX/year> my Capital One Savor One credit card was charged by XXXXXXXX XXXX XXXX for {$1400.00}. I was dissatisfied with the XXXX product and returned it to XXXXXXXX XXXX XXXX via merchant provided return shipment, aligning with their 30-day free return policy. However, to this date ( XX/XX/year> ), I have been unable to get a refund from XXXX despite the completed return. On XX/XX/year>, I asked Capital One to step in to help and they sent me a form to fill with additional information. I filled the form and returned it to Capital One both via Fax and USPS ( odd that they do not offer online upload or email option, but guess for some reason it has to be done the hard way with Capital One ). On XX/XX/XXXX, Capital One acknowledged that they have received the documentation but that it does not have information needed to assist with the claim, which is odd because I answered each and every question on the form presented by Capital One. As a result, I am still being charged for a product that I have returned and that should have been refunded, but Capital One is unwilling to step in and help with the transaction. Hoping that this CFPB complaint would help to reach someone that can actually take a look at this and assist. For reference, the case number at Capital One should be XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am ( 120 ) days past due on the XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, this account is being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I am sure yo u are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. 
It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions. 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

XX/XX/2020 Lexis Nexis was contacted on how they verified a bankruptcy on they they reported to all 3 major credit bureaus and have yet to provide me with the requested information.
Product: Credit reporting

I like to report that I have a Student Loan in deferment and for some reason Experian is dropping my score I have it with XXXX XXXX Student Loan. XXXX XXXX is services my student loans. Their should n't be any reason my credit scores should be going down when they are in deferment. I have not disputed this with Experian because I just say this early this morning. I need to know why are they decreasing my credit score on student loans that are in deferment. Also, this is a XXXX XXXX and no credit decrease should be on the credit report because student loan should n't be reported as a increase or decrease in credit limit. Please pay close attention to the XXXX point drop in my credit score. For student loans that is in deferment.
Product: Checking or savings account

Hi! 

Thanks for your time and consideration. 

I installed Pay Pal and connected my checking account to it, as well, as my debit card. 

I tried to add balance to my Pay Pal account but the transaction was refused. Then I had few other attempts for a total of XXXX USD. At the end of the day, I was permanently blocked. Prior to permanent block I was informed by Pay Pal that they need my bank statement for review to unlock my account ( temporary limitation ). 

I uploaded that, and then my account with funds was blocked with no reasons. They just did some generic references to their policies, and didnt provide me with legitimate reason for blocking. 

Thank you for your time and consideration. 

Regards, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I sent a letter to the XXXX XXXX XXXX via certified XXXX tracking numbers XXXX, XXXX which was received on XX/XX/2022 at each location. When I called the agency I was told no letter has been received. I know the XXXX XXXX XXXX is accurate which leads me to believe the credit reporting agencies are failing to comply with my request. I have inaccurate information reporting on my report that is illegal per the IRS. I would hate for the company to find themselves in more legal issues for allowing this to be reporting when it is a violation of the fair credit reporting act. 
I have inaccurate accounts still being reported on my consumer report that this company has failed to delete as it is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. Remove this information from my consumer reports immediately. Account # XXXX Account # XXXX Account # XXXX