23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Someone other than myself has created XXXX CFPB complaints under my account on XX/XX/2016, complaints numbers XXXX, XXXX, XXXX, and XXXX. There have also been comsumer responses provided indicating the company response is not disputed for which I did not provide as all of the company provided written responses to my CFPB complaints have misrepresented documents, account activity, and even omitted material facts related to the true status of my account during the modification process. I always DISPUTE the company response for these very reasons and I will continue to dispute the company responses so long as the company continues to lie and misrepresent the facts. 
Just to be clear, while the XX/XX/2016 CFPB complaints are represented as submitted by me, they are not and I have not authorized anyone to create or respond to any company response relating to any of my CFPB complaints. Specifically, I have never responded to the company response indicating not in dispute. So, the CFPB complaints between XX/XX/2016 throught XX/XX/2016 are disputed by me and what is showing on my CFPB account is incorrect. 
Furthermore, I simply stopped taking the time to indicate I dispute the company provided written response as it did not address the concerns within the complaint and often referred to a previously provided nonresponse response. Even so, it should be understood I continue to dispute the company provided written response to the extent it does not resolve my concerns stated within the complaints. 
An update and correction for the CFPB complaints between XX/XX/2016 through XX/XX/2016 is in order indicating customer disputes the company response. All other previously mentioned resolutions are desired and mandatory.
Product: Credit reporting or other personal consumer reports

These accounts are identified as a charge off. Which the companies have taken a loss on and written them off on their taxes. In this case they were to send me a 1099 so I can file as income on my taxes which haven't been done. I demand these items to removed from any credit report within 7 days due to them not following the law that requires them to do so once they charge off an account. 

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

In accordance with the Fair Credit Reporting Act XXXX  Account, XX/XX/22 XXXX XXXX XXXX in the amount of {$1600.00} and XXXX XXXX XXXX ON XX/XX/22 in the amount of {$360.00} has violated my rights. XXXX5 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: Credit reporting, credit repair services, or other personal consumer reports

THIS IS A NON-RESPONSE. THEY HAD 30 DAYS THEY DO NOT HAVE A RIGHT TO CONTINUE ANY KIND OF A REVIEW. 


STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response After careful review, we have determined your complaint includes a dispute of information appearing on your credit report. Consumer Relations will enter your dispute into our system and review all information and any additional documentation you provide to determine next steps. We may also need to contact the data furnisher to verify the current status of the account. If the item has been disputed previously and verified as accurate, we will review any new information you are able to supply to determine whether we can take action. Within 30 days, we will close out your dispute and advise you of the results in writing. If after the completion of our investigation you have questions regarding the results, we encourage you to contact the creditor ( s ) directly. The business name, address, and, if available, telephone number of the source ( s ) of information contacted in connection with your dispute can be found in the Investigation Results document sent at the conclusion of your investigation. If you need to dispute information on your credit report in the future, you may dispute directly with TransUnion online at https : //www.transunion.com/credit-disputes/dispute-your-credit. Should you have any further questions, please  contact www.transunion.com ( XXXX ) XXXX XXXX  XXXX XXXX XXXX, PA XXXX
Product: Credit reporting or other personal consumer reports

I have unauthorized collections and inquiries on my credit report that I did not authorize under the fair credit reporting act FCRA which protects consumers by ensuring the accuracy and privacy of credit information. I have the right to dispute these in accuracies therefore, I am requesting that these unauthorized items be removed from my credit report to reflect my true financial standing, I will list them below. 
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 equifax 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 XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Experian. 

Personal information Employers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX $ CREDIT LIMIT $ XXXX PAST DUE 30 DAYS, REMOVE DOUBLE ACCOUNT ( # XXXX ) REMOVE ACCOUNT PREVIOUSLY DISPUTED COMMENTS AND CLOSE DISPUTE XXXX XXXX XXXX  Account number XXXX Last Payment date XX/XX/XXXX Delete continues double print XXXX XXXX XXXX  Account number XXXX Last Payment date XX/XX/XXXX XXXX XXXX XXXX Account number XXXX balance {$32.00}, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX balance {$260.00} closed 1 month term ( Double print ) ( please remove ) XXXX XXXX XXXX  Account number XXXX balance {$260.00} closed 1 month term PLEASE REMOVE INQUIRIES UNAUTHORIZED INQUIRIES Unauthorized & shopped around auto inquiry - XXXX XXXX Inquired on XX/XX/XXXX Business Type : Auto Financing Companies XXXX XXXX XXXX XXXX, MI XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, Block and remove all information resulting from Identity Theft pursuant to XXXX U.S.Code XXXX XXXX under the FCRA which states a consumer reporting agency shall block the reporting of any information in the file of a consumer not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

This is an identity theft pursuant to XXXX XXXX XXXX ( Q ) ( XXXX ) under the FCRA. I have filed an identity theft report pursuant to XXXX XXXX XXXX ( Q ) ( XXXX ). Just an FYI : I understand pursuant to XXXX XXXX XXXX ( c ) I understand that you may decline to block or may rescind any block but be warned that declining to block the following information that resulted in identity theft without providing me with my written authority of it to be furnished in the first place will constitute as Aggravated Identity Theft pursuant to XXXX XXXX Code XXXX. Aggravated Identity theft carries a criminal liability of up to 2 years imprisonment. I assure you the information that I am presenting to you was not blocked in error. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has incorrect information on my credit report, I notified navy federal credit union about this they said XXXX  reported the information incorrect, I am not disputing anything on my credit report on my navy federal credit union credit card, please update this information, someone submitted a dispute with out my authorization and I didnt submit anything so want this information and dispute corrected, I am not disputing any high credit on my credit card period and it needs to be corrected, it says Im disputing a high credit balance on my account, Im filing this with the consumer financial protection bureau to get this straightened out this has brought my credit score down, I am I repeat I did not put no dispute in with navy federal credit union about my credit card please fix this
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX : {$29000.00} ; XXXX XXXX XXXX  Balance : {$1700.00} ; XXXX XXXX XXXX  XXXX Balance : {$480.00} ; XXXX XXXX XXXX Balance : {$480.00} ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$4800.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX  Balance XXXX {$1100.00} ;
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I recieved a notification from XXXX  credit bureau that One Main financial company of XXXX Indiana had checked my credit score for financial services. I did not inquire for any Services through this company nor did I authorize anyone there to pull my credit report. I reached out to this company and filed a complaint with the XXXX XXXX XXXX. I have yet to recieve any resolve or an explanation as to why my information was accessed by this company.
Product: Credit reporting or other personal consumer reports

Please delete all complaints associated with this email and personal information below. You and the credit bureaus do nothing to help the normal citizens of this country. It is nothing but a waste of time, no one checks anything, follows up on anything because you dont care. Im sure if I was in this country illegally you would handle immediately and offer even more credit, insurance, phone, place to stay, etc. Im an American citizen and nothing has been done to help me. I will take a different approach and I promise you all will be exposed of how you do nothing but forward complaints back and forth and no one checks anything. Please erase me from your system. You guys are absolutely worthless!
Product: Payday loan, title loan, or personal loan

Thiscompanyisfinancinghurtingme.IneededmoneyandappliedforaloannotknowingtheAPRwas360%,Idonotunderstandhowtheycanlegallydothis.Theyautodebitmybankaccountandleavemebroke.TheygivemisinformationeverytimeIcall.Donotallowmetoclosetheaccounttopreventfurtherdebits.
Product: Mortgage

Request the errors recorded by Bank of America , N.A . ( BOFA ) on the Deed of Trust to be corrected. Otherwise, it appears to be fraud - actions of double-dipping, falsifying documents, etc. 

I had a loan with BOFA for almost 14 years ( Loan Account # XXXX ). Then under XXXX XXXX ( XXXX ) in XX/XX/XXXX, I was instructed to start paying XXXX XXXX XXXX 

I had a loan with BOFA for almost 14 years ( Loan Account # XXXX ). Then under XXXX XXXX ( XXXX ) in XX/XX/XXXX, I was instructed to start paying XXXX XXXX XXXX 

I recently just received " XXXX '' Deeds of Trust that BOFA recorded on " XXXX '' different occasions with the XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX - both in XXXX. The XXXX Deeds of Trust have XXXX individually new mortgage account numbers : 1. Loan Account # XXXX ( recorded XX/XX/XXXX ) AND 2. Loan Account # XXXX ( recorded XX/XX/XXXX ) Both Deeds of Trust identify the original terms set with my ex and me back on XX/XX/XXXX - like we still owe the original principal sum of {$540000.00} and interest. Neither Deeds of Trust identify the true terms that changed in XX/XX/XXXX under BOFA that include, but not limited to, solely having me as the debtor, decreasing the principal sum to {$320000.00} and canceling the FHA insurance received under a BOFA Department of Justice loan forgiveness modification. As a result of the agreement set forth between BOFA and me, I solely received a IRS 1099-C form from BOFA, cancelling and discharging debt of {$410000.00} in principal. I have never been late with a payment. 

The " XXXX '' Assignments of the DT that MUST BE CORRECTED are formally between Bank of America, NA, the Assignor, and Assignee ( XXXX ) : ( XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ( recorded XX/XX/XXXX with XXXX XXXX XXXX by XXXX XXXX XXXX, Collateral Document Services ) NOTE : XXXX XXXX XXXXXXXX XXXX XXXX is the sole owner trustee for XXXX XXXX Securities XXXX XXXX at the c/o XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX AND XXXX XXXX ) XXXX XXXX XXXX XXXX ( recorded XX/XX/XXXX XXXX XXXX XXXX XXXX by XXXX XXXX XXXX XXXX XXXX, Collateral Department ) The errors recorded by BOFA on the Deeds of Trust must to be corrected immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Formal Complaint Against Experian - Improper Reporting of Charged-Off Account Dear CFPB Representative, I am writing to file a formal complaint against Experian for their continued and improper reporting of a charged-off account on my credit report. Despite my repeated requests for a proper investigation, Experian has failed to correct the inaccuracies related to this account, which has resulted in the ongoing violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 
Account Details : Account Name : [ XXXX XXXX XXXX XXXX ] Account Number : [ XXXX ] Original Charge-Off Date : [ XX/XX/XXXX ] This account was charged off on [ XX/XX/XXXX ]. Since the charge-off, Experian has continued to update the account as charged off every month. This constitutes an improper update to the payment history of the account. A charged-off account should not include an active or ongoing payment history as it inaccurately extends the statute of limitations and falsely represents the status of the account. 

I have previously disputed this account with Experian on XXXX separate occasions, requesting that they correct the reporting errors. Unfortunately, Experian has failed to conduct a proper investigation and continues to report the account inaccurately, in direct violation of my rights under the FCRA. 

I am requesting that the CFPB intervene in this matter and ensure that Experian conducts a thorough and accurate investigation into the reporting of this account. Given Experians continued neglect and violation of my rights, I am demanding the immediate deletion of the following account from my credit report : Account Name : [ TRICOLOR AUTO GROUP LL ] Account Number : [ XXXX ] I trust that the CFPB will take swift action to address this issue and hold Experian accountable for their failure to comply with federal regulations. Please keep me informed of any actions taken regarding this complaint. 

Thank you for your time and assistance. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

inaccurate information on credit, FTC violation
Product: Mortgage

We have a client in distress we have submitted XXXX offers to the bank we call in every week to check on the status the negotiators " are n't available '' we get have answers and are not properly informed of what is needed on the file. Everytime we send in a document the have XXXX days to review the document and if they need something further they mail the request to an empty house instead of reaching out to the attorney and individual in our office handling the file or heaven forbid telling our office what they need when we call in. We have lost XXXX buyers and about to lose a XXXX buyer because of delays and lack of ability for SPS to move forward appropriately and work with us on getting this file completed. They have no concern for the homeowner and not desire to work with the seller in getting this completed. They wo n't fax a request, call us or email us. They send their request to an empty house.
Product: Credit card

On XX/XX/year> I was notified that someone ran a hard inquiry on my credit. It was Capital One stating that I wanted a credit card. I did not apply for this and informed there fraud department. They said that they would deny the request and that I should have nothing to worry about. I inquired about the phone number, as well as other things about the application to which they would not share any information with me about the application that I supposedly filled out citing privacy laws. What about my privacy that was violated? Dont I have the right to obtain this information that someone is using my social security number for?
Product: Credit reporting, credit repair services, or other personal consumer reports

Conn 's XXXX XXXX refuses to remove my XXXX balance, closed account which they have verified as such. I did not receive any goods from them, order was canceled and goods verified as returned to wear house. They were never delivered. I have spoken with XXXX people since XXXX, all of which confirm this but I continue receiving bills and harassing calls, and it is on my credit report. Every call concludes with them telling me to call back in XXXX weeks to check on status. The most recent date of contact was XX/XX/23, I was transfered XXXX  times. Number contacted XXXX, person # XXXX was XXXX in late stage collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I make arrangements with XXXX XXXX XXXX XXXX pay $ {$650.00} for 3 months adding to the amount of {$1900.00} of the total Balance of {$3900.00} I had with XXXX Bank I make the first payment on XX/XX/XXXX. Went I called on XXXX to make the second payment they informed me the account was closed and needed to call XXXX. When I called XXXX they told me the same and for that reason they couldn't take my payment. 
After several months they sold my account again and reported me to the credit report and did not honored the arrangement I made legally in the first place.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 
As in XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I request that you investigate this matter and remove or correct the disputed information as soon as possible under the Fair Credit Reporting Act ( FCRA ). Please provide written confirmation of your findings and any updates to my credit report.
Product: Payday loan, title loan, or personal loan

I took out a home improvement loan at BBVA Compass in XXXX. I filed bankruptcy in XXXX and included this loan. However, Compass told me that if I didnt pay off the loan I would have a lien on my house. Therefore, I continued making payments despite the bankruptcy. In XXXX, I asked to settle the loan for an amount less than the balance, and the offer was accepted by XXXX XXXX at BBVA Compass. I made the payment for the settled amount. I asked for BBVA Compass to update credit report, which they agreed to but never did. In  XX/XX/XXXX, I received an email from XXXX XXXX stating the account had been settled for less than the full balance with no obligation effective XX/XX/XXXX. However as of this complaint the mechanic 's lien is still on my title and not allowing me to refinance my mortgage. I 've made SEVERAL attempts by phone, and no one ever calls me back. Then I received an email XXXX XXXX XXXX stating the lien would not be released until balance was paid, the on the same day at XXXX XXXX got email saying lien will be released, it ould take up to 3 days and up to 30 for court to process. Then XXXX XXXX at XXXX anothe email saying they are not releasing until balance paid. The on same day at XXXX another email saying it would be released but would take 5 days and XXXX for courts to process. No one answers my phone calls despite many calls and messages left. This has caused much stress and its keeping me from being able to proceed on my refinance. Please help me get this lien removed.
Product: Debt collection

Contacted Credit Collection Services about a debt that they posted on my credit report. 

They company listed was XXXX XXXX XXXX. This dispute was for {$220.00} with a date of XX/XX/XXXX. 

We contacted by certified mail Credit Collection Services on XX/XX/XXXX asking for validation of debt. ( Verified delivery on XX/XX/XXXX, at XXXX ) As of XX/XX/XXXX we have not received and communication from Credit Collection Services XXXX 

We request that this be removed from credit report because of no credit validation.
Product: Checking or savings account

I reported that my accounts had been compromised and disputed XXXX and then XXXX transactions. Chime found the transactions to be legitimate and told me I would have to find evidence. After bringing them evidence from almost every merchant they still said they needed more evidence and I was notified that my account would be closed. I also notified Chime that there was an upward of {$2000.00} discrepancy between what was actually in the account and the actual balance. They just told me I had violated their standards.
Product: Checking or savings account

A safe deposit box fee of {$100.00} was charged to my checking account on XX/XX/XXXX. I did not authorize the charge and was previously told in XXXX by a bank officer that there would be no charge for this box since I was grandfathered in as a free safe deposit box rental for more than 20 years. At the time I agreed to rent another larger box for an annual fee of {$130.00} which was charged to my checking account in XX/XX/XXXX. If not for the promised free rental for the smaller box, I would have cancelled and closed it at that time in XXXX. 

The bank claims a notice was sent in XX/XX/XXXX that the free box would now be subject to an annual charge. I do not recall seeing the notice and would have no reason to even look for one since I was promised the smaller box would remain free. 
As soon as the charge appeared, I closed the box and requested a credit to my checking account, but the bank refused, even though there was 11 months remaining on the rental. The bank said they did not have the ability to credit back the charge.