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

Equifax has been caught lying to me and violating my FCRA rights. 
Equifax Dispute Confirmation # XXXX submitted on XXXX, asked them to verify a collection agency on my report beelow : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX Telephone # XXXX On XXXX Equifax says they verified with the creditor this account is accurate. 

They have lied, this creditor is not in business, the phone number does not work, the address is a bad address as well reporting on my credit report. 

THE CFPB MUST ACT AND HAVE THIS INACCURATE COLLECTION REMOVED AND EQUIFAX HELD ACCOUNTABLE FOR LYING TO US AND VIOLATION MY FCRA RIGHTS.
Product: Checking or savings account

Hello, sometime in mid XXXX of this year 2022 I noticed my Bank of America checking account was locked and i was never given a heads up or a reason why. When i called They just stated that they were closing my account for whatever reason they may have. The major thing is that they are holding up all my funds i had in my account close to $ XXXX and its been a month now. I have had to borrow money from my peers in order to get by since BOA is holding up my money. Please help. Its insane how theyre able to do this. : (
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was paid off and never had a balance. Coinciding with a data breach the card was suddenly maxed out. The company has been asked several times to provide proof of debt, proof of charges etc. I have sent them notifications and requests and without providing any proof they keep reporting this debt on my credit reports. I am not sure of the amount but they are reporting a charge off. Since they have been unable to provide any valid proof of debt I would like the company to delete this derogatory information from my XXXX, XXXX and XXXX. This has been reported as FTC Identity theft number XXXX and the company has been provided with a copy of that report and one is also attached with letters.
Product: Checking or savings account

I made a purchase in XXXX for {$720.00}. The order says it was delivered but it was not. A claim was filed with XXXX and XXXX determined the item was not delivered to me. The claim was approved claim # XXXX. The claim was paid to the seller on XX/XX/XXXX. The seller will not return my money so I filed a claim with Santander Bank. I provided a letter from XXXX XXXX XXXX that states the the claim was investigated and the claim was paid directly to the seller. I explained this to Santander Bank but because the seller provided them with the tracking information showing it was delivered they denied my claim. I explained that is why we opened the claim with XXXX  because it does show delivered however it was not delivered to me. That is why XXXX approved the claim and paid the seller. Now the seller has the {$720.00} that I originally paid and they have the {$720.00} that XXXX paid them.
Product: Bank account or service

Bank of America is reporting debt balance as due on credit report after XXXX was issued discharging the debt. 

I lost my house to a XX/XX/XXXX foreclosure with XXXX during the foreclosure mismanagement and mortgage practices documented by State and Federal investigations ( XX/XX/XXXX National Mortgage Settlement ). Prior to the foreclosure I opened a line of credit with Bank of America ( BOA ) in XX/XX/XXXX for house repairs and modifications. I became financially unable to continue the payments after the foreclosure for the BOA line of credit debt and the account was charged off in XX/XX/XXXX. 

In tax year XX/XX/XXXX, BOA issued a Form XXXX ( cancellation of debt ) in XX/XX/XXXX discharging the credit debt. I consulted my tax advisor and filed the XXXX with my XX/XX/XXXX taxes. I reviewed my credit report XX/XX/XXXX and BOA has a balance due for the amount that was discharged. I contacted BOA and was informed the amount is still due ( BOA issued XXXX discharging the debt in XX/XX/XXXX ). 

I submitted disputes along with a copy of the XXXX to the XXXX credit reporting agencies ( part of my dispute was the account is not a charge off but a discharge based on the issued XXXX ). XXXX was the only agency that did not report the balance. Fast forward to XX/XX/XXXX and I reviewed my credit report again which still reflects a balance for the discharged debt with the XXXX credit reporting agencies. I contacted BOA and was informed that they will not remove the balance to reflect XXXX ( BOA issued XXXX discharging the debt in XX/XX/XXXX ). 

I was advised by another entity to submit a complaint to the CFPB for assistance with BOA to reflect XXXX on my credit report after a XXXX was issued discharging the debt. I plan on submitting a second dispute letter to XXXX and XXXX XXXX within the next XXXX hours. I am a XXXX Veteran and did not use my VA loan to purchase the house that foreclosed in XX/XX/XXXX. Thank you.
Product: Money transfer, virtual currency, or money service

On XX/XX/21 my phone was stolen in XXXX XXXX, LA resulting in criminals gaining access to all of my accounts/information. Over $ XXXX in fraudulent transactions occurred across various accounts. 

XXXX XXXX, XXXX Bank, and XXXX XXXX have all honored my fraud claims and since resolved them. Navy Federal credit union is the only institution not to honor my claim stating that I am liable for {$2100.00} in fraudulent XXXX transactions.
Product: Credit card

On XX/XX/XXXX, someone made a purchase totaling to the amount of {$2600.00} at the XXXX XXXX located on XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, in person. I called and filed a dispute immediately and also went to the store location to ask about the transaction. At this time, I hadnt received my card in the mail yet and was shocked someone used my information to make a purchase in person. The cashier said the man making the purchase had the physical card, and so he didnt ID the man in question when he made the {$2600.00} purchase. They told me to file a police report, which I did later that evening. XXXX XXXX has been investigating my case and pulled video surveillance showing a XXXX  man, possibly in his XXXX, using my card without being IDd. I do not have any other authorized users on my account. The case is still pending as theyre trying to figure out who this thief is. However, I got an email on XX/XX/XXXX stating my dispute is closed and I was found responsible for the charges based on not enough evidence supplied by me. I would like to know what evidence I would need to supply, when Ive given XXXX XXXX my case number and Detective XXXX has pulled footage from XXXX XXXX security cameras showing someone who is not XXXX XXXX and was not authorized to use my card was able to make a purchase using my identity and card. I want this dispute opened back up and to not be responsible for the {$2600.00} fraudulent charges that were made on my account without my knowledge or consent.
Product: Debt collection

I do not consent to electronic communications. I request all responses be in writing through the USPS. As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect, and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. XXXX XXXX XXXX XXXX and XXXX XXXX
Product: Credit reporting or other personal consumer reports

The letter attached was submitted as part of the dispute ( XXXX XXXX XXXX ) to Experian on XX/XX/year>. In this letter, I informed Experian that a late payment reported by XXXX XXXX was inaccurate. At that time, I requested evidence of the claimed late payments. However, Experian did not provide this proof. Furthermore, I asked for details regarding the procedure used to assess the accuracy, which they also failed to supply.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.. This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX Date Opened : XX/XX/2018 Balance : {$9200.00}
Product: Checking or savings account

End of XX/XX/2017 had reservation for XXXX Georgia XXXX. 
Prepaid through XXXX on my dads card for two nights Hotels was nasty - Drug dealer out front, not AC, old, smelly with Intense ... Bed sagged, we never stayed. Triggered my XXXX, attendant told me all rooms and lobby smelled same. I think they were a welfare hotel but the sleazy XXXX looking girl in lobby. Attendant even left premises to get girlfriend, causing us to wait 30+ minutes to inform him we are not staying They took my debit card to use for incidentals ... no authorization to charge, Charged me {$58.00} plus for one night, never stayed there though - stayed at XXXX last minute. 

Fought all I could, and have attachments. 
Called XXXX corporate, the hotel itself, Bank of America. No signature to charge for room. Proof I never stayed there. and proof we paid through XXXX. PLUS - the hotel shows they refunded some card that is not even ours. 

Colossal waste of time. And the fees the imposed? Completely wrecked my business trip financially, ran out of money before it ended. Never seen such a low class run, disgustingly dirty smelly hotel. Have traveled the world ... and this was bad. XXXX did nothing to help, XXXX said they had no power and took down complaint. Bank of America said I was late in replying to a letter sent over XXXX and XXXX XXXX. Dates are all there. See attachments
Product: Credit card

Since XXXX i have hade there services i have always made payments on time. Over the years they have done XXXX limit decreases on my credit card up until XX/XX/XXXX have.The Problem is Discover looking at my credit reports at my total debt that determined all these decisions. They did not have the authority nor permission to keep looking at my credit report to determine how they handle my account, this is a clear violation of my FCRA Rights. My Credit score has been dropped and damaged due to these credit decreases.
Product: Debt collection

We have received a call from southwest credit asking for myself. I asked what it is regards to and all they said was it is a personal matter and we need to verify address. I am not going to verify anything to anyone unless I know what it is regarding, because of criminals.
Product: Mortgage

At the onset of the pandemic, Specialized Loan Servicing offered a forbearance of 3 months to me because I was experiencing a financial hardship. I am a first responder in XXXX XXXX XXXX, Ca and found myself in the midst of riots and civil unrest which left my children to be cared for my childcare providers. XXXX closed and my children were left home. I incurred additional tutoring costs, living expenses and child care costs. At the end of the 3 months, I completed an application for mortgage assistance with SLS. I was seeking a deferral or repayment plan. The lender assured me they would work with me. I was denied all the programs with exception of a short sale. Nothing that allowed me to keep my home. I was forced to request an additional forbearance which was grated. I again completed a request for assistance and was denied all options except short sale The last denial was dated XXXX. With no options offered to me, I again requested an extension of the forbearance in the hopes of obtaining a personal loan or other means to bring my account current. My forbearance ends on XXXX and my total amount due is {$22000.00}. I have completed the request for mortgage assistance packet again and submitted it to the lender but I'm not optimistic of the outcome. I feel this company has taken advantage of the situation and me. I have equity in my home and I feel they are trying to force me into foreclosure or short sale. All I need is the payments to be deferred to the end of the loan. I was hospitalized in XXXX of 2021 with XXXX XXXX and XXXX due to XXXX I was off work for over a month, resulting in loss of pay. I contracted the XXXX while serving the public of XXXX XXXX XXXX. I have provided all this documentation to SLS, along with a pleading letter. Im turning to your agency for help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I seen Student Loan Forgiveness contact information, so I decided to call for Information. The representative informed me that my balance would go up with Naviet and I would have to pay an initial fee of XXXX. I wasnt interested, so we did not move forward. I now have them on my credit report saying that I owe them money as well as my original student loan company. Naviet needs to be removed off of my credit report all together. I didnt authorize them to do anything with my account
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XX/XX/XXXX XXXX Dear XXXX XXXX  XXXX, Why we're writing you We have completed our investigation regarding your claim this account was fraudulently opened using personal information. Based on our review, we have determined that you are responsible for the account and charges in question. 
Here 's what you need to know Our decision was based, in part, on the following : Account Ending in XXXX, XXXX Account # is XXXX Date opened ; XX/XX/XXXX Charge off amount of {$1800.00} Dear Sir/Madam, Yesterday I spoke with officer XXXX, her ID # is XXXX. She has found the following that : 1.This account is not mine. 2. This account opened before the SS # issued. 3. I never had this credit. 4.SS # not match with this credit account so .unable to settled the payment I have attached a copy of the SS card, with the card 's issued date showing XX/XX/XXXX. The card associated with this account was opened XX/XX/XXXX. I have also attached a copy of my driver license and a copy of the passport page for her request.Please remove this account from my credit file. Thank you,
Product: Checking or savings account

Called Bank of America on XX/XX/2022 and number of days/months after and before. They opened up a checking account and changed my second email address without my permission or knowledge. Claim number XXXX. Changed my email address ( attached document ) to an email I never use. Changed my physical address also.
Product: Mortgage

This is second complaint about my loan provider Sls I received 2 letters from sls during first complaint one dated XXXX Received XXXX Second dated XXXX Received XXXX XXXX Previous complaint I'd XXXX Escrow As a homeowner, I XXXX XXXX have been throughout the in-house refinance providing information and details for completion of refinance by sls on XX/XX/XXXX. I stated numerous times during thier taped conversations that it isn't first line. Simple as date of deet of trust to see in fact which was first and second mortgage. With that said this was NOT INDEED inadvertently labeled the only reason I as a customer and or home see this being labeled as this was only to put me under financial hardship and burden As stated in XXXX letter there is {$2700.00} of escrow that inadvertently taken and kept to this date As of now I have not received the above check for {$810.00}. Nor have received the duplicate check sls stated they sent to property taxes on XXXX sls check on it when they stated on the letter on XXXX and my first mortgage already paid taxes on XXXX gave sls 4 months to know it duplicate and return.money to me. Which I have not received. This almost {$3000.00} " inconvenience " as stated in letter has directly pit me into financial hardship and fees. 

Fees The fees I was referring to weren't front the XX/XX/XXXX in house refinance. It was from when sls took loan and provider orginal date XX/XX/XXXX Conclusion There has been since XXXX a lot .... a lot of Grey area sls push for a provider stand point to the point of past the Grey area... 

I want and need to combine both first and second mortgage into one loan ie consolidation of loans with equity draw to help with the hardship that sls directly and or indirectly cause inadvertently labeled for second loan and for providing for both loans Tks XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXXXXXX 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 card or prepaid card

I sent a check for total amount due on X/X/2017, Capitol One took XXXX from my checking account with XXXX XXXX XXXX XXXX.on X/X/2017 ( PENDING ) then banking statement showed XXXX out of my account on X/X/17 That was the full amount of the purchase using y XXXX credit card.I then received a past due notice with charges of XXXX fee charge and a total due of XXXX.on X/XX/17 I called Capitol One, spoke with XXXX..Explained my payment was taken out of my account on XX/XX/XXXX..this was not past due!!! He said the was an error with my account..he further explained that Capitol One uses a formula for billing, my check was received on X/X/2017, but billed for X/X/17..that would mean a later payment..I now have another bill from XXXX for XXXX..past due charges that are growing ... my purchase was XXXX paid in full on X/X/2017..now I 'm being charge fees totaling XXXX extra?? XXXX also said there was a fee of an extra XXXX XXXX dollars added to the past due amount, but would not say what this fee was for ... when I asked for an explanation of the totals that do not add up
Product: Debt collection

014 - Credit Management LP Credit Managemnt has told me this for a XXXX bill inn which i have contacted XXXX and they stated i have no outstanding bill with them and everything is good standing with them. Credit Management has refuse to contact XXXX to resolve the issue with this account. XXXX also searched by my Social Security number and found no accounts nor balances.
Product: Mortgage

My loan was sold to select portfolio servicing ( SPS ), from XXXX. When it was sold my loan was in forbearance. My husband who is self employed lost his consulting job. Im trying to get out of forbearance and the only way I can do that via sps is to do a loan modification or pay the balloon payment. When I stared the process with XXXX they said I would be able to defer my payments. SPS would not honor that. They keep asking me to either do a loan modification that I may or may not qualify for due to my husband being out of work, or I must extend the forbearance. I have now extended the forbearance for a year. I told them numerous times I would like to just start paying my mortgage with the payments deferred and have been denied. Now I have to go through a loan modification, or pay a balloon payment there are no other options. I do not believe this was the intent of the covid relief program. They told me if I do not do the loan modification, or pay the full past due amount in Full that the past payments I missed will go on my credit as lates. Destroying my credit! I have put in for the loan modification and if it is denied they said I will either have to pay the balloon payment or have all the lates report on my credit and they will foreclose on my home. I saw in the covid relief information that a balloon payment was not supposed to be the only option and feel they are not following the intent of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the credit bureaus on XX/XX/2020 to remove the following incorect addresses and incorrect names from my credit report. I have not received any mail back from them and I have proof of mailing. It has been over 30 days, I demand that the following information be deleted : XXXX Incorrect Names : XXXX, XXXX, XXXX XXXX, XXXX, XXXX  XXXX, XXXX, XXXX  Incorrect Addresses : XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX  XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Experian Incorrect Names : XXXX XXXX XXXX Experian Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX  Incorrect Names : XXXX XXXX XXXX XXXX  Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Proof of mailing to bureaus and proof of identification is attached
Product: Credit reporting, credit repair services, or other personal consumer reports

I basically had a case for carrying a XXXX but I fought the case for 6 months and ended up getting it dropped to XXXX Which is why I was on XXXX XXXX XXXX XXXX for a long time. Long story short Im about to finish my XXXX in a couple months, but that information about it being a XXXX is false because it was dropped to XXXX so that shouldnt be on my record.
Product: Credit reporting or other personal consumer reports

To whom may concern : I am a victim of identity theft the accounts listed below are not any companies that I have applied for credit from. They are all accounts opened without my knowledge or permission. They are fraudulent and need to be removed immediately. 
I have filed the proper documents with my local law enforcement agency as well as with the FTC. I am providing you copies of these items to support my case. So with all that I mentioned and the supporting documentation you must follow the law and remove these items. 

Accounts to remove : XXXX XXXX - # XXXX - {$1900.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - # XXXX - {$3000.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX - {$50000.00} Thank You!
Product: Debt collection

I am a victim of Identity theft. A credit card was opened in my name over XXXX years ago. This was a fraudulent account and it is still appearing on my credit report. This has caused a great deal of harm to my life and is still to this day negatively impacting my credit file. I have included an updated FTC Identity Theft report with AMEX listed. I need this account deleted immediately
Product: Debt collection

On XXXX XXXX i sent XXXX report on debt collection from AB Recvy Services. I sent them a copy of the fake lease agreement the company sent. It did n't have no initials, no names, and no signatures. Some of information were incorrect where you can see on the paperwork. Photocopied signature of mines that they copied from some where and paste. No original anything. 

Collection : Absolute Recovery Services Balance : {$2800.00}