23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Home Mortgage Wells Fargo Home Mortgage XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX Well Fargo Line of Credit Loan Account Number Num : XXXX Balance {$13000.00} Well Fargo Real State Home Loan Account Number Num : XXXX Balance {$260000.00} Dear Sir or Madam, Complaint Department I am writing to dispute seriously misleading and damaging information in my Credit Report. The items I dispute are on the attached copy of my credit report. 

These items are ( inaccurate or incomplete ) because mistakenly listed as Unknown '' ) should say paid as agreed. 

As you well know the loan modification processes was delayed by the bank. 
The reporting they said I was supposed to be later corrected. It was never done correctly on the credit report. The loan process started in XXXX/XXXX/XXXX it has been 9 year this mortgage and line of credit most be removed from my credit report. Clear up the mistake. 

Pursuant to my rights under the FRCA, this item should be deleted to accurately reflect my known credit. 

Enclosed are accurate copies to support these facts my understanding of the FRCA indicates I can expect a written response from you in the very near future. Thank you for helping to resolve this important matter. 

I really hope you will work with me on this. Please help me come up with a solution quickly to resolve the current status on my credit reporting. And keep your word as to credit reporting should be latter corrected Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX allowed someone to sign up for a credit card under my name and now are reporting the stolen identity information on my report as derogatory. i am being negatively affected by this matter and furthermore would like for them to stop i have made a report with the identitytheft.gov they are on the job as well for i believe that to be the best 1st step. below are also my grievances. Thank you for your time.

15 U.S. code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of reciept. its been 30 days and they are in VIOLATION of this law because I am a victim of identity theft. PLEASE DELETE THESE ITEMS IMMEDIATELY
Product: Debt collection

XXXX XXXX XXXX ( allitegiance ) No physical address Mailing address and the matter of cases they dont give out a physical address XXXX XXXX XXXX XXXX have XXXX Mediation office in regards to allegations is what they say they are. 

On today XX/XX/2021 I received a threatening phone call from Allegiance/ XXXX stating that they were a mediation office and they were calling in reference to a XXXX  debt I had. They mentioned garnishment, that I had defrauded XXXX, and appearing in court within the first phone call. I told them I was unemployed, the person on the other end stated that that would be taken as a refusal and hung up in my face. I returned the call and got a different person. Still stating that it is very possible Id end up in court and since I had made no payment my actions were fraudulent. I once again explained my hardship and she worked with me. I paid {$50.00} over the phone because that is all I could afford. The collection was taken by XXXX as listed on my statement. They called from the number XXXX. The office number provided was : XXXX but they refused to give me their physical address. They gave me a po box as a mailing address instead. Please assist me with knowing the legitimacy of this company and if the money paid thus far has been to a legitimate entity. 

I talked to XXXX and they told me my debt was sold to a different company on XXXX. 

Today is XXXX and theyve called again from unknown and other different phone numbers. They left a voicemail saying there are two complaints filed against me with XXXX county and if I do not pay theyre going to send it out. Im unemployed, Im tired of the threatening and repetitive phone calls. The company refuses to send me anything on paper. Im currently unemployed and Ive been receiving threatening phone calls from this entity threatening litigation. Please help.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I got a notification of a hard inquiry from XXXX XXXX. I never applied for an account on XXXX XXXX I contacted XXXX to remove that hard inquiry and they did but now I have an account closed on my credit report. It shows that the credit limit was XXXX $ and someone charged XXXX $ on it. On XXXX XXXX for equifax and XXXX XXXX it still shows the hard inquiry on my credit report and they asked me to file a police report or to file it on this website so I can send it to them and then theyll be able to remove my hard inquiry
Product: Debt collection

Pennsylvania Higher Education Assistance Agency ( PHEAA ) continues to ignore my requests of due process of law regarding my student loan debt. Please see attached document that explains the latest update regarding my dispute.
Product: Vehicle loan or lease

I purchased a XXXX XXXX in XXXX of XXXX at the total of {$7100.00} with a down payment of {$4000.00} and a monthly car note of {$250.00}. 

However, today they told me my payoff amount is that of {$6700.00}!!!!! This should not be the case for a car I put down half leaving me with a total of {$3100.00} to pay. 

The car didn't pass inspection and I had to come out of pocket with an additional {$2000.00} to pass Maryland inspection. XXXX sold me a Lemon!!! 

I've been calling this company all morning to retrieve my account number and every time I call they send me to a survey line.
Product: Mortgage

I received a notice from Caliber Home Loans that effective XX/XX/2018, they are now charging a fee for mortgage payments submitted online or via their app. The only way to avoid this fee is to mail a check or use recurring payments. 

I plan to pay off my mortgage early by making additional monthly principle payments early in the month. Caliber 's new policy now makes it more expensive and time consuming for me to make additional payments and to pay off my mortgage early.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two erroronus, dismissed XXXX XXXX bankruptcies being reported on my XXXX, Experian and XXXX credit files. The bankruptcies were filed on XX/XX/21 ( filing # XXXX ) and XX/XX/21 ( filing # XXXX ). I have disputed these bankruptcies with XXXX, Experian and XXXX multiple times and they have responded " verifying '' the bankruptcies through the bankruptcy court and also through the third-party vendor, XXXX. Since, I have reached out directly to the bankruptcy court and they responded with a letter stating that the BANKRUPTCY COURT DOES NOT REPORT ANY INFORMATION TO THE CREDIT BUREAUS. Please review the attached letter from the court. Then how could they have verified the bankruptcy through the court? The letter sent by the credit bureaus also states that they receive public records information through the third-party vendor, XXXX. So I disputed the bankruptcies with XXXX and they responded by removing both bankruptcies from my XXXX file. Please see the attached Letter from XXXX and also a copy of my new XXXX Report. These bankruptcy have severely damaged my credit with my credit score dropping over 200 points and also having ALL of my credit cards terminated. This has been a nightmare!! The reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M LOOKING FOR SOME HELP BECAUSE THE CREDIT BUREAUS HAVE BEEN IGNORING MY REQUESTS DEALING WITH ACCOUNTS REPORTED ON MY CREDIT FILE.
Product: Credit reporting, credit repair services, or other personal consumer reports

A request for investigation was submittedto Equifax via the dispute website on XX/XX/20 and on XX/XX/20, I received notification of a investigation completion. Equifax did not verify the information that was provided to them and within 72 hours closed the investigation and provided no verification of the debt that was obtained from the collection agency. The collection agency hasn't provided any verification information either and can't collect on this account. 
I notice that XXXX XXXX XXXX had placed a collection account on my credit reports and I requested a " cease & desist '' because this amount is not collectible. I have no contract with XXXX XXXX XXXX and I have requested them to refer this back to the original creditor. The original creditor had a rental guarantee insurance policy that would pay up to XXXX of rent and up to XXXX in damages in the event of damage, eviction or skipping out on the lease. The policy was paid upon move in and regardless of being paid again, was guaranteed by the insurance company. XXXX would file a claim for the funds and would be paid within 7 days. I signed up for this rental guarantee and they were to collect any rental arrears after closing the books on my unit. XXXX XXXX has no legal obligation to collect on a 100 % guaranteed rental insurance policy account.I am not obligated to pay on an account that should be settled with XXXX.
Product: Debt collection

I had my auto insurance through XXXX, my rates continued to increase. I spoke with them several times from XXXX thru XXXX of 2023 about rates and options. On each and every call I informed them that if this could not be resolved that I would be terminating my policy with them. 

I terminated my policy and then was told because I didn't notify them I would be assessed part of my policy, I argued profusely with them and asked for proof of where it stated I would be responsible for this balance. They could never provide, just stated it was their policy. For the entire time I had coverage with them I paid them, this is an amount that they are trying to collect for additional time, additional time in which they provided zero coverage for me. I was already with a new carrier
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing disputes on my credit report to delete an remove all invalid data that is hindering my file on my experian credit report. this issue has been hurting my file for years an need to be corrected. none of my files are correct. please review an remove the information asap to clear my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of today XX/XX/XXXX Toyota/ Lexus financial services is still reporting my account for the leased Lexus XXXXXXXX XXXX XXXX as an open revolving account in the amount of {$31000.00} with intial starting loan balance of {$45.00}, XXXX with beginning intial payment XX/XX/XXXX as I have attached as proof. This is inaccurate as the account was closed as of XX/XX/XXXX with a XXXX balance as payment had been received by XXXX to Lexus in the amount of {$42.00}, XXXX as a total loss with a mailed letter of guarantee for the title to XXXX on XX/XX/XXXX per Lexus intial response to deceptive credit reporting complaint to Consumer Financial Bureau on XX/XX/XXXX stating that account had been closed with XXXX balance per Lexus. I have also attached this intial reponse to this complaint as well for review. This account is inaccurate in the amount and open status and Toyota/Lexus is fraudelent and deceptive in thier credit reporting actions. I have also attached the dispute I submitted with the credit bureaus on XX/XX/XXXX as well to show account is still inaccurately reporting on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are incorrect and adversely affecting my livelihood XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/XXXX, CREDCO, on XX/XX/XXXX, XXXX XXXX/XXXX ( the report does not include information about the creditor ) and on XX/XX/XXXX, XXXX XXXX XXXX XXXX ( the report does not include information about the creditor ) add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes.These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

XXXX XXXX and its representative are continuously showing no regard to the law and my right to privacy. They are telling me that their policy overrules the law. They are committing language fraud with misleading facts and giving their false interpretation of the law. They have caused and are still causing me defamation of character by illegally reporting information that should not be on my consumer report and misleading me and refusing to remove it. They are telling me that I have no right to privacy, and they are knowingly reporting income on my consumer report. 

Their said in your response As of XX/XX/XXXX, were reporting the account as an unpaid charged off account. According to the IRS ( Internal Revenue Service ) publication irs.gov, a charged-off is a certificate of indebtedness which goes along with a 1099c The Cancelation of Debt. It is considered to be income, and you know very well that income can not be reported on a consumer report. Proper procedures must be followed to ensure accurate reporting 15 U.S. Code 1681e.

The Gramm-Leach-Bliley Act, require that they report their information data sharing practices, as well as provide me with information and the right to opt out of data sharing with 3rd party non-affiliate agencies, like XXXX, Experian as well as XXXX, or any other not listed here. It is also your responsibility to make sure that it is presented in a clear and conspicuous manner. They are in violation of this Act as they just admitted this, in your response that is attached. Furthermore in accordance with the Privacy Act of 1974 I have the right to privacy that they are trying to deny me.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the immediate removal of fraudulent inquiries from my credit report. Upon reviewing my credit report, I have discovered several inquiries that is not authorized by me. These inquiries are damaging my credit standing and have the potential to cause significant harm to my financial reputation. 
I have already submitted a report to the Federal Trade Commission ( FTC ) regarding these fraudulent inquiries and have enclosed a copy for your reference. Despite this, these inquiries are still being reported by your bureau. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), and I demand that these inquiries be removed immediately. 

I kindly request that you conduct a thorough investigation into these fraudulent inquiries and take the necessary steps to remove them from my credit report. I also request that you provide written confirmation once these inquiries have been removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX
Product: Credit card or prepaid card

On my Citibank statements every month you can see the balance due is paid off by the end of billing cycle. The purchases compared to payments always add up until the XXXX statement. I paid the card off in the amount of XXXX but Citibank somehow recharged it or didnt actually take the payment off, again looking at the statements, it proves this. I had had fraud so in the course of 2 weeks I had 3 different credit card numbers attached to the one account. During one of the many calls I made to Citibank a few employees said they seen where it was credited to one number but not removed from another. They are saying my amount due is the exact amount I paid off at XXXX. I have requested an accountant go through the last year of my charges and payments but citi bank only sent a letter telling me they consider this matter closed and will no longer address my concerns. I feel like they are committing some type of fraud to the customers. I paid XXXX, have proof if was deducted from my bank and proof it shows Citibank recharged it on XX/XX/XXXX. They refuse to look anywhere past the obvious numbers they see. I gave my credit card number in the next section however I had 3 different numbers.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

On XXXX of XXXX  I disputed the debt showing on my credit in the amount of {$1400.00} and {$510.00} in the dispute it was requested that I needed proof of debt, validation and accuracy as this Dept has been in OPEN status for over 3 plus years
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a letter to credit bureau that I illegally owe XXXX XXXX XXXX Acct # XXXX. I disputed the accuracy of this account and told them that it is incorrectly reporting. Furthermore, asking them to provide proof by verification that this collection agency account belongs to me. All rights under FCRA 611 ( a ) ( 7 ) and FCRA 623 are invoked, thus demand for a complete description of methods used to investigate the dispute is required. The e-Oscar 2 digit code read out will not be acceptable. Unfortunately, credit bureaus often use software that does not complete thorough investigations and does not qualify as verification according to law. As requested a complete list of all documents and correspondence with the original creditor, including, but not limited to : 1. All names and contact information of employees spoken to as part of this investigation ; and 2. Hard evidence that goes all the way back to the original creditor ; and 3. Information regarding the entire lifecycle of the loan ; and 4. Who originally wrote the loan ; and 5. The date of the loan ; and 6. Original contact information ; and 7. All letters and documents sent.

If unable to perform an investigation or locate the necessary documents they are required by the FCRA to remove the info from the reports including complete removal of the account.
Product: Checking or savings account

I want to complaint Bank of American. I have checking account and credit card. 
I was contacted them since last year. I was try to working dispute the amount unauthorized charges. 
I went to branch Bank of America to deposit a money on the beginning of XXXX 2021. And i was told them account unauthorized charges. The employees at counter Bank of America order new debit card to me. 
After that when i was purchased items on internet I choose a payment from XXXX credit account. I didnt realized items I purchased charged on my checking bank account also. I was contacted Bank of America and XXXXl to resolve this problem. And i had told them im victim of XXXX XXXXXXXX from my ex spouse.and i have a hardship on financial because since he left me with nothing and never help me pay on the bills in community property or my expenses while Im unemployment and i have legs problems. 
XXXX still charged me unauthorized. And i was try contact Bank of American to dispute and resolve problems i was called bank of American use my cellphone number then when someone pick up suddenly they end up my called when transferred to claims department.