23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In the   XX/XX/XXXX   I applied for a Modification with Bank  of America  for a fixed interest rate, to lower my payments and principal reduction due to the fact my home is severely underwater. I was sent back papers stating papers were not complete. I resubmitted the papers in a complete fashion. On   XX/XX/XXXX  I receiv ed a BPO from a third party  XXXX , who  Bank of America Hired . The BPO was inaccurate. Stating my home was sold in   XX/XX/XXXX  b y  XXXX   XXXX  for {$32000.00}. That would be inaccurate falsified data. I telephoned the third party vendor. I have an attached letter that will explain the details.  Bank of America, has played the cat and mouse game with me for too long. Bank of America,   purchased my servicing papers from  XXXX   XXXX   XXXX , while my home was sitting abandoned. All paperwork should be in their archives. Both banks new my home was arson o n  XX/XX/XXXX  and was left abandoned for   XXXX   XXXX   XXXX   XXXX   and   XXXX   XXXX  . Leaving me   financially broken. I literally lost my place of employment and had to file for bankruptcy.  Bank of America was not included in the bankruptcy but was listed. I have been unsuccessful in getting Bank of America  to modify my loan with a lower fixed interest rate that will lower my mortgage payment and will not continue to rise every time the mortgage rates increase causing my mortgage to increase. Possibly causing me a payment that I can not afford. My mortgage does not have my property taxes included in it. I pay an association fee of {$160.00} monthly, that continues to increase as well. I pay homeowners insurance also. I would like for Consumer Financial Protection Bureau to investigate this matter regarding my modification. But also other pending issues I have with  Bank of America  that has yet to be resolved. Like the legal description that is still stating someone else owns my property when they do not. The legal description is stating  XXXX  is the owner of my property. I asked Bank of  America to send me a history of my mortgage account. Little to be known, Bank of America,  mailed to be out the history of my mortgage account, but also a legal description stating  XXXX  is the legal described owner. I filed a claim with  XXXX   XXXX   XXXX   XXXX   XXXX , who denied the claim. I filed additional documentation with  XXXX   XXXX   XXXX   XXXX   XXXX , but have yet to hear back from them as well. Please investigate this matter thoroughly. The Modification. The Legal Description.   XXXX   XXXX   XXXX   XXXX  .  XXXX   XXXX   XXXX   XXXX  currently  XXXX   XXXX   XXXX   XXXX   XXXX , who continues to state my name is  XXXX   XXXX . I have never uses an alias name in my life. Lastly the falsified data analysis report stating a sale of a contract was entered in   XX/XX/XXXX  fo r {$32000.00} to  XXXX   XXXX , a real estate agent, who works for   XXXX   XXXX   XXXX   XXXX  , located in  XXXX , Illinois.
Product: Credit reporting or other personal consumer reports

To start off, Universal Payment Corporation, is the name XXXX or whatever name XXXX is using now, used to defraud me like they did many people in the United States. Yeas ago, all that XXXX got me to do was sign a contract for their services, that they never provided to me, they did nothing, that is why there was a class action law suite against XXXX, the court sent me a letter about the law suite , all credit bureaus were supposed to delete all the information that was in error, they defrauded me also, I never owed Universal Payment Corporation, anything ......
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS 15 U.S.C.1681 SECTION 602 A.STATES I HAVE THE RIGH OF PRIVACY.

15 U.S.C 11681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CONNOT FURNISH AN ACCOUNT WITHOUT MY WRITING INSTRUCTIONS
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed a copy of my credit report and I show company XXXX XXXX XXXX Original Creditor : XXXX  XXXX XXXX  ) account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Product: Checking or savings account

I have the proof payment was made and they never took the payment and applied to the balance. {$5500.00}. paypal credit
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX account XXXX XXXX  # XXXX has violated my rights. 



15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 2682 section 604 A section 2 : it also states consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Problem having with XXXX, XXXX and TransUnion they are reporting these Two Fraudulent accounts on my credit report listed below : XXXX  XXXX XXXX Account : XXXX and XXXX XXXX XXXX XXXXXXXX Account : XXXX Also Name Reporting on my credit report is also wrong My legal Name is XXXX XXXX I do not want any other names reporting on my credit report
Product: Credit reporting or other personal consumer reports

This inquiry has been severely affecting me and has been stressing me out. I never permitted this company to access my credit report and I feel violated.
Product: Credit reporting or other personal consumer reports

Closed account still in dispute/investigation due to inaccurate delinquent remark. 
Dispute since XXXX XXXX. Company did not fix error. Serious damage to credit report. Account 100 % on time payments the last 72 months.
Product: Credit reporting, credit repair services, 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 Balance : {$1300.00} ; XXXX XXXX XXXX XXXX Balance : {$180.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been going back and forth we Equifax since XX/XX/XXXX XXXX we are now in XXXX which there is an awkward stuff on my credit report not to mention I did not make my profile my profile was made through the person who made which I left me and a very bad position I am now trying to correct
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Credit Collection Service # 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 XXXXXXXX has violated my rights, 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 an account without my written instructions
Product: Money transfers

My parents sent me money from the XXXX on XX/XX/XXXX. I was waiting for money for 8 business days. I was calling Wells Fargo almost each business day to find out where are my money? The only answer I got was to ask the XXXX what is happening, because they do n't see the transfer, and they did n't want to do anything else. Unforunately, the XXXX was more helpful and gave me more details about the fact that money are on the US territory, and they were recieved ( so they ca n't return it ). They also got a request from XXXX XXXX XXXX XXXX XXXX XXXX AFTER a week ( so they had my money for a whole week and were keeping it without any explanation of their illegal actions ), that they are holding my money for an unacceptable reason, which moreover offended me, and my parents, because the reason was highly politincorrect ( why do they even work with my transfer, why it 's not Wells Fargo ). So this XXXX bank sent a request to my XXXX, asking if there is any connection between the name of the street in XXXX city written in the information of the wire transfer and ( please attention ) affiliation to XXXX. Can you imagine, they are suspecting the name of the street to be connected to XXXX affiliation. Name of the street ... ... I was amazed by unprofessionalism of this bank. They made up a story to hold and also use my money without my consent. They are unauthorized to do such actions. They also could n't even use XXXX search to find out that their reason is really stupid and ca n't be used as reason to hold my money. 
So, it is already two weeks, and I still did n't get my money. When I called to XXXX they told me that they do not work with individuals, and need to receive a request from the US bank. So, I called to Wells Fargo to ask them to send a request to finish the transfer, and finally return my money, but Wells Fargo told me that they do n't know what to write and what to do, because it 's not their business. They also told me that they are not responsible for actions of the XXXX XXXX XXXX XXXX XXXX, but then why does this bank is responsible for the transfer TO Wells Fargo. As a result, I have no access to my money, and no US bank want to help me to return my money. I want to repeat, that the XXXX XXXX XXXX XXXX XXXX is completely unauthorized to hold my money, and they do not have any proof of their actions. And the Wells Fargo do not even want to help to return my money, because they told that do n't know what to do, however Wells Fargo receives transfers from XXXX, and MUST have communication with XXXX XXXX.
Product: Credit card or prepaid card

American Express credit card, recommend me to apply for a gold card, credit card reward is three months to spend more than 2000 US dollars reward XXXX points, But now that I have completed the amount of consumption as required, they told me that I can't get the reward They said they wouldn't give me a reward because of my card opening history and closing my account. 
They said that I was prompted when I applied for a credit card, but I did not receive the prompt. This card was approved in advance Now they don't give me a reward, they charge me an annual fee, which I think is fraud and unfair. 
And why do I apply for a card, the website prompts that the reward is XXXX points, and the others are XXXX points? 
Is this discrimination against me? I received unfair treatment, and they canceled my reward. 
I tried to communicate with them, but they didn't want to help me solve the problem
Product: Checking or savings account

Back in 2015 Bank of America allowed my account to get over drafted. It was too my knowledge that I had overdraft protection. I went to go to bank of america to deposit the funds they had closed my account without any notification. I paid what I owed to the account that week. So I owe nothing on the account. They added me to   XXXX   XXXX   and now I can not even get a second chance account. I have called several times talking to many of the bank associates and ended with them telling me different reasons why my account was closed. Because I had overdraft, I had a   XXXX   balance when it was closed and also because I did not comply with their standards. I got no straight forward answer. I then asked them to mail me the reason and the only thing they mailed me was the notification that my accounts were being closed and not the reason why they closed them. They responded with a back dated,  XXXX   XXXX , 2015 response with my accounts closure and it stated that I did not comply with their deposit agreement and disclosure. On my   XXXX   XXXX   report it said something different, it said that I was attempting to transact in a prohibited manner. I would like to know how I was doing that because I would never do anything like that. I still do not know the reason why they closed my account.
Now it is hard trying to get a good job with that on my record. I 'm trying to start my own business and need a business checking account and no one will do business with me because of what they did to my record. Can you please help me with this issue it would be greatly appreciated.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Improper Reporting of Child Support Obligations by XXXX, Experian, and XXXX To Whom It May Concern, I am writing to formally request the removal of child support information from my credit reports maintained by XXXX, Experian, and XXXX. My contention is that child support obligations are not loans or revolving credit and, as such, should not be reported as credit accounts. The inclusion of this information misrepresents my credit profile and adversely affects my creditworthiness.

Legal Basis for Removal : 1. Fair Credit Reporting Act ( FCRA ) Accuracy and Relevance of Information : 15 U.S.C. 1681e ( b ) : This section mandates that consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. Reporting child support as a credit obligation does not accurately reflect the nature of this responsibility and may lead to misleading interpretations of my creditworthiness. 



2. California Family Code 4701 Reporting of Child Support Obligations : This statute requires the Department of Child Support Services to administer a statewide automated system for reporting court-ordered child support obligations to credit reporting agencies. However, the intent is to report delinquencies to aid in enforcement, not to classify child support as a traditional credit account. The current reporting method conflates legal obligations with credit liabilities, which is not the statute 's purpose.

Precedent Supporting Non-Classification as Credit : In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX ), the XXXX XXXX XXXX XXXX XXXX held that obligations not arising from a consensual credit transaction could not be reported as traditional credit accounts. While this case pertained to towing fees, the principle applies : non-consensual obligations, such as child support, should not be treated as credit accounts.

Request for Action : I respectfully request that the CFPB : Investigate the practices of XXXX, Experian, and XXXX concerning the reporting of child support obligations. 

Require these agencies to remove child support information from my credit reports, as it does not constitute credit under the definitions provided by relevant laws and precedents.

Ensure that future reporting distinguishes between legal obligations and credit accounts to prevent misrepresentation of consumers ' credit profiles.

Please confirm receipt of this complaint and inform me of the actions that will be taken to address this issue. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Around summer of last year ( 2017 ), me and my spouse had gone to BMO Harris to open a joint checking account in which we would pool together our funds for living expenses. Despite having known that we were both still XXXX XXXX at the time, the banker had opened a heavily fee-associated joint account for the both of us. Being XXXX, our account was not always well-funded, even though we had pooled all of our expenses together and used the account for rent and other heavy expenses. We soon found out that the {$35.00} NSF fee that had been continuously charged to us despite us not engaging in overdraft activities were piling up, and too much to bear.

One specific incident where the fee was charged and the transaction returned, however, has caused significant damage to my then-good credit score. Last XX/XX/XXXX, I had made a credit card payment of {$25.00} to XXXX XXXX XXXX, which was a very routine situation as I make 100 % of all my payments on time. The payment had even shown up on my XXXX XXXX   transactions the next day. However, two days later, the transaction had been reversed by BMO Harris because my account was in NSF standing, even though I had intended to make a payment immediately. Instead of giving a 24 hour grace period like most banks, however, BMO Harris had reversed my last transaction. This in turn resulted in a missed payment with my XXXX XXXX credit card, an additional fee of {$35.00} f

rom BMO Harris, and a significantly dropped credit score. When I decided that the banking relationship with BMO Harris that I
had was too harsh for my situation as a XXXX, I had gone to a branch office physically to close my account, as XXXX XXXX had offered better financial buffers for XXXX XXXX. At that time, in an effort towards retention, the banker had told me that they could switch me to a XXXX account instead, though our accounts should have reflected our XXXX status from the start.
Product: Debt collection

I have reached out to this company to validate debt and they have yet to validate. I am requesting valid documentation as well as my signature to alleged debt
Product: Debt collection

I request your help in enforcing your action against XXXX XXXX XXXX XXXX. and XXXX XXXX XXXX XXXX dated XXXX/XXXX/XXXX, Case File No. XXXX. 

I recently began the process of buying a home, as part of a background check it was discovered that there is a judgement against me by Chase Bank through XXXX County Superior Court Case No. XXXX dated XXXX/XXXX/XXXX in the amount of {$3600.00} I was shocked to find this judgement because I was never served a Summons and was totally unaware of any legal action against me. 
XXXX Court records show that Chase Bank submitted a Proof of Service Summons and  Complaint saying that on XX/XX/XXXX they served me at XXXX XXXX XXXX, XXXX XXXX, CA XXXX, this is not possible because I moved from this residence in XX/XX/XXXX 

So, I began looking into this and found your action against Chase Bank. 

The action ( Case File No. XXXX ) which addresses all Chase Bank credit accounts in Collections litigation, etc. that were pending anytime between XXXX XXXX XXXX and XXXX XXXX XXXX, clearly states that Chase Bank was involved in exactly the type of activity I have found myself a victim of. 

Please see paragraph 76 c. of your order of XXXX/XXXX/XXXX. 

I request your help in demanding that Chase Bank immediately take any and all necessary steps to remove this judgement from the court records. 

I have attached all XXXX County Superior Court records I could find. and ask you to also refer to your action against Chase Bank as listed above. 

thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I sent out 46 letters to the lenders and 46 letters to the credit bureau. Asking why I have the same credit inquiries over and over when I only applied one time. For 1 place it's really saddening to see why all these inquiries during the month of XXXX. Keep going through my account. And I didn't ask for this. They told me that I can go online shop for a car when I find the car. I like I can submit in application. I submitted my application and the entire Month of XXXX, my credits being ran from the same companies over and over and over and XXXX, went to one company.

Not only that, but I specifically told them they are not allowed to run my credit or find out what other loans are out there more than 2 times they did this more than 16 times on. Transunion 13 times on equafax and 19 times on experien. This is complete outrage. These need to be removed immediately.
Product: Credit reporting or other personal consumer reports

I sent a letter on XX/XX/scrub>XXXX XXXX XXXX asking for 1 Proof of Ownership XXXX XXXX has failed to provide any valid documentation proving that I owe the alleged debt. 
2. Violation of Validation Requirements : The collector has not met the legal obligation to validate the debt under the Fair Debt Collection Practices Act ( FDCPA ).

3. Potential Reporting Errors : Experian is reporting this account without ensuring its accuracy or legitimacy, in violation of your obligations under FCRA Section 611.

1. Conduct a thorough reinvestigation of this account.

2. Provide me with all documentation and evidence supporting the reporting of this account.

3. Delete this account from my credit report if it can not be verified to the highest standards of accuracy. 
Failure to act on this dispute within the prescribed timeline will result in further action, including but not limited to complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and possible legal action for damages caused by negligent and inaccurate reporting practices.
Product: Credit reporting or other personal consumer reports

Under section 1681e please take this off my credit report I didnt give anyone my authorization to run my credit
Product: Debt collection

Account Resolution Services is claiming that i owe money to their collection agency. I have asked them dozens of times to verify that i owe this invoice but they can not produce an actual invoice or any form of proof that there is any invoices from the company that allegedly hired ARS to collect this money. I have also contacted that company as well and they claim that they do not have any record of my name in their system or any invoices ever due in my name. I have notified ARS of this several dozen times and also sent them a certified letter in regards to this matter, but ARS still refuses to provide any evidence of an invoice. Furhtermore, ARS also failed to comply with SEC.809 ( A ) that states that ARS has to mail me notice of debt within 5 days of initial contact. ARS is refusing to provide evidence or remove this from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has failed to remove the unverified Public Record-Bankruptcy from my file. Experian advised they verified a Bankruptcy associated with me with the XXXX District of Georgia Bankruptcy Court. I have documents supporting that is incorrect and not the truth as they do not provide information to credit reporting agencies. This bankruptcy belongs to someone other than me. I have no association with the Bankruptcy and Experian has failed to provide any documentation associating me with the bankruptcy. Experian is well aware they are in violation of the FCRA to delete inaccurate and unverifiable information within 30 days.