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

XXXX XXXX - XXXX XXXXThis Cfpb complaint has been filed to request pursuant to Fcra 605B 15 usc 1681 1c-2 that you the transunion credit reporting agency, block my information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate and false information consists of personal credit cards acconts open at XXXX XXXX  acct XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXThese accts have resulted in chargeoffs appearing on my consumer Fico credit report the aforementioned accts chargeoffs appearing on my consumer credit reports maintained by you were not opened made or initated by me. All of the chargeoffs are the result of identity theft and fraud i have attached a copy of Ftc identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accts chargeoff are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate removal of my previous address from my credit report. I have recently reviewed my credit report and discovered that an outdated addresses are still listed under my personal information. 


XXXX XXXX, XXXX XXXX XXXX XXXX NJ XXXX, XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX
Product: Debt collection

On XX/XX/2024, I submitted a dispute to XXXX regarding this account. XXXX performed a review on this account as well as the Consumer Law and contacted PRA and this account was IMMEDIATELY deleted within the exact same day in which they received my dispute ( attached ). This is in reference to Portfolio Recovery Associates, account # XXXX Applicable Consumer Law : " Pursuant to 18 USC 8, I owe no debt, this company is violating my consumer right to privacy pursuant to 15 USC 1681 b 2. The company also has no permission to report anything using my info., pursuant to 15 USC 1681 4. '' XXXX and XXXX are required to be XXXX  % accurate and XXXX  % verifiable. Therefore they are mandated, just as XXXX, to delete this account from my consumer profile without delay.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally request the immediate removal of an unverifiable account from my credit report in compliance with the Fair Credit Reporting Act ( FCRA ) and applicable consumer protection laws. 
I recently disputed an XXXX XXXX charge-off in the amount of {$8700.00} on my XXXX secondary credit report. After a full investigation, XXXX completed its review on XX/XX/year> and subsequently deleted the account from my report. This deletion confirms that the account in question is unverifiable and should not be reported by any credit reporting agency. 
Legal Basis for My Request 1. 15 U.S.C. 1681i ( a ) ( 5 ) of the FCRA mandates that if an item can not be verified, it must be deleted from a consumers credit report. Since XXXX has already determined that this account is unverifiable, your agency must take the same action and remove the account immediately. 
2. 15 U.S.C. 1681e ( b ) requires that consumer reporting agencies maintain maximum possible accuracy in credit reporting. Allowing this unverifiable account to remain violates this requirement. 
3. 15 U.S.C. 1681s-2 ( b ) states that once a consumer disputes an account, the furnisher of information must conduct a reasonable investigation. Since XXXX has already determined that this account can not be verified, any continued reporting by your agency constitutes willful noncompliance with the FCRA. 
Required Action : Deletion Within 30 Days In accordance with 15 U.S.C. 1681i ( a ) ( 1 ), you are required to reinvestigate and remove this unverifiable account within 30 days of receiving this letter. If you fail to do so, I will consider this a willful violation of the FCRA, and I reserve the right to pursue legal action, including filing complaints with the CFPB, the FTC, and seeking civil damages under 15 U.S.C. 1681n and 1681o.
Product: Payday loan, title loan, or personal loan

paid off in full they just keep switching lenders
Product: Credit card

In XXXX, I paid XXXX different times totaling over {$2500.00}. In XXXX, I opened up my App to see a late payment and my credit limit reduced by {$7000.00}. At this point, I contacted Citi Bank and was put through the ringer with over XXXX hours on Customer Service calls to get nowhere. I finally googled and found an " Executive '' Number to call. The lady informed me that this had to have been a mistake and an inspector would call within 15 days. He did not. Time passed and I called. He explained that I was late on my XXXX payment because the XXXX payments I made in XXXX did not apply to the next cycle. I have had this card for over 4 years and HAVE NEVER BEEN LATE. My credit is now down XXXX because they told me to apply to have my limit increased again. SHAME ON CITI BANK
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir, I have received a letter from XX/XX/XXXX that there is account on my name, which was numbered was " XXXX '', I do not have any business with XXXX on any kind of loan or insurance, there were two credit cards ( ending XXXX and XXXX ) and both were closed on XX/XX/2018 and XX/XX/2018 respectively ( letters are part of the XXXX CFPB Complaint IDs XXXX and XXXX ). Individual credit card ending XXXX closed with XXXX balance on XX/XX/2018 and Individual credit card ending XXXX closed on XX/XX/2018 and I am paying remaining balance monthly. Apart from these two individual closed credit cards XXXX and XXXX, I do not have any business or no loans or no insurance or no business with XXXX at all. All of sudden I received the letter from XXXX that there is a account XXXX ' on my name, address and social, which is a fraud, crime and identity theft. Could CFPB direct respective credit bureaus to explain me the full details of disputed fraudulent account XXXX ' in written response called on my name, social, rental apartment address and various identification details. I also observed that there is a phone number called XXXX ( Home Equity of XXXX ) ', does it mean that someone has taken the loan using my name, social, address and various identification details fraudulently without my consent and authorization. Could CFPB kindly direct all the credit bureaus to file complaint against XXXX and account number XXXX ' under forgery,, fraud, identity theft and crime. This is a fraud and crime that someone has taken the loan on my name, social, rental apartment address and various identification details without my consent and authorization. I am going to file the police complaint and communicate to federal department. Could CFPB kindly direct credit bureaus to dispute this fraudulent account XXXX ', file a complaint against XXXX, provide me the complete details of this account and remove it from credit report under forgery, identity theft and crime. I do not have any business with XXXX   and I have no idea what are other fraudulent details they used to obtain this loan using my identity and social.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX, OH XXXX ; XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2700.00} ; XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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 receipt.
Product: Debt collection

Failure to produce a contract or agreement between me and the debt collection company state that I agreed to pay this debt to the debt collection company. Failure to produce proof of the legal right to collect on this debt and the legal obligation that I owe the debt collection company.
Product: Mortgage

On XX/XX/21 I needed to get a payoff with escrow netted for a new mortgage company to refinance my existing loan with Amerihome. The first rep I spoke with faxed the payoff and received it in minutes, but it was not with escrow netted. I called back and the second rep was supposed to connect me with a supervisor, but instead sent me back through the automated system. So while continuing through the automated system to get to another rep ( mind you, there is entirely too many options that will get you turned around and confused if you dont listen carefully. To get to an option of a rep alone takes 5mins! ), I reach my 3rd rep of the day and ask to speak to a supervisor. He advises me he needs to put in for a supervisor call back ( Ive never heard of this ) and I say okay. He asks what the issue is and I tell him I needed a payoff with the escrow netted. He says oh I can help you with this no problem. I asked him to explain it to me so I knew that he understood and he did. He advised me it might take 2 hrs, but usually its a lot quicker. I get off the phone in hopes it gets faxed. Time passes and the place is almost closed and I needed this document that day, so I called in again. Now my 4th rep and she goes over everything that was done, and advises me the task was marked for a completion date of XX/XX/21! She knew I needed it urgently so she said she would expedite it and send it to her supervisor. I thought this would make my request get taken care of first thing the next day, no. I called in around XXXX the next day and asked my 5th rep for a supervisor call back. She said she would have to put in a work order. I asked how long it would take for them to call back and she asked if she could place me on hold ... that hold turned into me being hung up on. Needless to say Im beyond frustrated with the customer service or lack of I should say. They are so willing to help if you are staying with their company but when you are leaving them they do everything possible to not allow it! I even sent an email requesting a stat call back and received nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested credit verification for the negative account on my credit but they send seemly did nothing to remove the wrongful account on my report. I disputed them through XXXX XXXX, and XXXXXXXX XXXX and they still failed to remove them. Some of which are even over 5 years. Please help.

XXXX XXXX The Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).
Product: Mortgage

Numerous attempts to modify the mortgage and every attempt is met with resistance. 
Uploaded and faxed requested information multiple times only to be told it was not received. I received a phone call in the end of XX/XX/XXXX that modification was approved and would receive documents in the mail. Documents never sent and when I spoke with Flagstar afterward they completely denied the call and kicked me out of the modification. 
XXXX of XXXX The CFPB took action against Flagstar and forced them to pay XXXX XXXX for the exact same reason listed above. I have plenty of proof if you need along with documents at your request. 

Looking for assistance to finalize modification. 

Regards, XXXX XXXX
Product: Mortgage

Mortage was sold or transferred to greentree servicing and they added {$5000.00} to the loan. I do n't feel this is right. They also have my XXXX mortage and the payments went up with out notice and I never got notice the XXXX mortage got transferred or any paperwork on it. I have sent payments to get caught up on the XXXX and they are saying they have not received them. I had the bank fax them confirmation they were sent and now they say they have not got the fax. I went to the bank again and had them fax another copy and even had the bank call them and talk with them. I just got another phone call from them yesterday harassing me about payments and they still have not credited my account. As of now I am 3 months behind and trying to work on getting caught up, but how can I, when they are not acknowledging my payments. They wo n't take payments over the phone, I ca n't make them online because they say they ca n't. So I do it through bill pay. I seem to talk to someone different every time. I do n't think they put notes on my account, so I have to explained myself over and over. They have harassed me to the point I have cried over the phone with them about the payments. I do n't know what to do and feel they just want to foreclose on me. I have just finished XXXX and am trying so hard.
Product: Debt collection

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. These accounts and Inquiries 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account XXXX XXXX, has violated my rights. 
XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, 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 a account without my written instructions
Product: Mortgage

XXXX CLOSED????? 

I have more feedback on this issue. 

It is NOT RESOLVED YET. 

Wells Fargo claims " We've been unable to establish contact with our customer, XXXX XXXX XXXX. '' They called but NEVER LEFT ANY MESSAGES on my voicemail. 

They then send a letter saying they are working on my issue. 

They LIED about trying to reach me. They made no effort to communicate like normal companies and leave a name and phone number. 

AND my big issue... .you allowed this case to CLOSE when it is IS NOT RESOLVED! 
and no easy way to keep or re-open it. 

Seriously?
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act this creditor has violated my rights under 15 u.s.c. 1681 section 602 states ihave the right to privacy .15 u.s.c. 1681 section 604 a consumer reporting agency can not furnish like you can not account with out my written instructions under 15 u.s.c. c 's 166B Acreditor may not treat a payment on a credit card account under an open and consumer creditplanas late for any purpose
Product: Credit card

I purchased credit protection. Credit protection was approved on XX/XX/2024 due to unemployment, yet Aspire has been destroying my credit score since credit protection was approved on XX/XX/2024. I was advised that this the way Aspire 's credit protection functions. XXXX advised me that any over the limit amount or past due amount will be reported to the credit bureaus until the cardholder pays the past due balance. XXXX advised me that Aspire will cover the minimum amount due and that is all. I was very upset and I asked XXXX why Is Aspire misleading and lying to their cardholders? XXXX did not answer any of my questions and would not transfer me to a supervisor or XXXX. I could not believe what my ears were hearing ... .. that my credit and credit score will continue to be hurt while credit protection is approved and in effect. Aspire is lying to their cardholders
Product: Credit card

In XXXX of 2024 someone opened a XXXX XXXX citibank card at a home depo using my identity. The purchased about XXXX dollars worth of merchandise. I did not make this purchase and did not give anyone permission to use my information. I found out about the theft when a bill was delivered to my home. I immediately disputed it over the phone. I have also sent Citibank my police report, FTC affidavit and a letter describing the fraud. The are still holding me responsible and reporting it to the credit reporting agencies.
Product: Debt collection

I have an open complaint ... .been waiting over 6 weeks for resolution ... ..Chase keeps stalling. I have sent all the proper documents 4 times ... .called ... .written many letters ... ..still no closure. 
Chase is trying to collect attorney fees for a debt that is not mine!! 
They keep telling me my litigation was for construction without permits ... ..that never happened!!!! 
They just do n't want to admit they made a mistake ... ..and I will not pay for their mistake.
Product: Credit reporting or other personal consumer reports

I'M NOT SURE OF THE EXACT DATE BUT IT WILL SHOW ON MY CREDIT REPORTING FILE. I'VE SENT MANY LETTERS TO THE COMPANIES AND THE CREDIT AGENCIES, NOTHING CHANGES. 
I am writing to formally dispute the accuracy of certain negative items on my credit report. It has come to my attention that these items are not only impacting my credit score significantly but are also reported in violation of federal law. 

Specifically, I am referring to the late payment reported on XXXX Bank account numbers XXXX, XXXX, and XXXX. Also XXXX XXXX accounts XXXX, XXXX. XXXX  XXXX account XXXX. I would like to dispute all negative items on my report every one of them if not listed above. According to 15 USC 1666B ( a ), under the law passed by Congress, " A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. '' The reported late payment is a result of an accidental oversight, and based on the aforementioned law, this item should not have been reported as late. I request that you investigate this matter and remove the inaccurate negative information from my credit report.

Also, according to 15 U.S. Code 1666B - Timing of payments** ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due.

If an open-end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

Article I, Section 10 of the United States Constitution**, which states : " No State shall make any Thing but gold and silver Coin a Tender in Payment of Debts. '' This means that states are prohibited from making anything other than gold and silver coin a legal tender for the payment of debts.

Please conduct a thorough investigation and correct the inaccuracies promptly. I look forward to your swift response and resolution of this matter, as per the Fair Credit Reporting Act ( FCRA ).

Thank you for your attention to this request.

Sincerely,
Product: Checking or savings account

Ive been a loyal customer of BOA for about 3 years. On XX/XX/XXXX - XXXX, Bank of America had a worldwide technical difficulty that caused payments to not be received or sent. I linked my Bank of America debit card to my XXXX account and proceeded to Add Cash in two separate transactions of {$400.00} and {$460.00} totaling up to {$860.00}. Once I submitted for the payments to be sent to my XXXX, NONE of the payments appeared onto my XXXX account! The money was taken off of my BOA account but never made it onto my XXXX account. On XXXX XXXX, I contacted XXXX and they said they seen NO HISTORY of the transactions. XXXX suggested that I call my bank and get the money reimbursed because they werent able to see any transactions of it on their side. I was surprised because the money was still taken off of my Bank of America account. On XXXX XXXX, I then called BOA and they filed a dispute, but gave all type of excuses not to reimburse me of the transactions. My transaction to XXXX got lost in the crossfire of Bank of Americas website having technical issues. My money was never retrieved, nor was provisional credit issued from Bank of America! They told me 90 days until it can get resolved. Thats ridiculous!! Im currently late on rent because of this situation. BOA is always having major website/app issues that puts customers money at risk. I need my money reimbursed now! I wish the customer service was more helpful and considerate of peoples money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15USC1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.