23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I am a XXXX year customer with B of A. Last year our credit card ending ... XXXX expires XX/XX/XXXX, was cancelled due to inactivity, a letter was supposedly sent but never received or acknowledged. We have had that card since the 1973 and relied on that for emergencies, using out debit cards for day to day use. 
We are retired now and have only our SS benefits for income. I spoke with your customer service reps including 2 supervisors to help in reactivating the cards to no avail. Of course they recommend reapplying for new cards, sure with horrendously high interest rates now. 
I feel as though I'm I being treated like a new customer rather than a many year loyal one.
Product: Mortgage

Tornado hit my property on XX/XX/2015 in XXXX XXXX, XXXX . XXXX XXXX insurance was there and took prompt care of everything including remitting the initial check. Mortgage Lien Holder ( Seterus Inc. ) was on the check for the claim. Checks were endorsed and sent to XXXX. XXXX has been drawer out for repairs. M House is finally repaired but Seterus claims the house is XXXX % complete due to lost barns not being rebuilt even though they had XXXX authorize no barns have to be rebuilt. The property has plenty of equity, 'followed the procedure documenting funds to be paid back to us ( homeowner ) months ago. Seterus is using other departments ( XXXX ), so called 3rd party companies ( XXXX XXXX ) to hold up payments so contractor can put a lien on property.
Product: Credit reporting, credit repair services, or other personal consumer reports

My reports of id theft are near i possible to report to these to credit reporting companies who report the same information over and over again already disputed and I am at a loss what to do. XXXX wants proof of ID well then see attached. Why put up so many roadblocks since we are ongoing victims of id theft and should be granted our rights under the law
Product: Credit card or prepaid card

Earlier this month on about the XXXX of XXXX. My credit card through bank of america closed my account due to changes in my credit. I recently XXXX from the military and havent changed my methods of credit use. I'm not entirely sure why my credit took a major dip when most of my credit payments are always on time. I have low to no credit card debt. I've hardly paid credit card interest EVER. I always make sure to not carry balances. I've had 2 or so loans in my name. I paid one completely off and am left with 1 car payment which I pay on time every month. Why Is my credit taking a dive? It cancelled my credit card in a greater time of difficulty. Not that i need the credit card to survive but it's nice to have the emergency backup. I dont think these dips in my credit are my fault and something needs to be reevaluated. Only the last 3 months showed an extreme change in credit score and I cant do anything about it and dont need it to cancel the one credit card we enjoy using for the benefits. Please give me information pertaining to this XXXX up. I feel as if something I didnt do maybe affecting this.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 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
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Closed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRY : XXXX XX/XX/2021 XXXX 1

5 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 of 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

On XX/XX/2018 I received a letter from Key Bank regarding my recent application for a Key Bank Home Equity Loan. In the letter is references my XXXX   score dated XX/XX/2018. I never spoke to anyone at Key Bank authorizing them to run a credit score or to refinance my current mortgage with them. They had called my cell phone numerous times prior to the credit pull, but I never returned their call or spoke to anyone. It is illegal for them to pull a credit report without my authorization and now my credit was dinged for an unauthorized pull.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I signed an auto financing agreement at the dealership XXXX XXXX XXXX XXXX  XXXX and the bank XXXX XXXX XXXX for a XXXX XXXX XXXX. 

I payed a {$1500.00} down payment and agreed on paying $ XXXX for a term of 72 months starting XX/XX/XXXX. 

On the XX/XX/XXXX, my car was repossessed from my house with no prior correspondence. After further investigations, I called XXXX to inquire if they have the car and they confirm that they repossessed the car due to failure of receiving payments. XXXX claims that they do not have any contact information for me except for my phone number. They claim that they called my phone numerous times and sent me several mails. 
I hereby confirm that I have not received any calls from XXXX. I also did not receive any mailing correspondence from them, and that after confirming with XXXX they had the incorrect mailing address and all mail letter sent were returned to them. They also did not have my email. 
XXXX submitted reports to the credit union regarding late payments and repossession of the car, which has severely impacted my credit score, which has decreased from XXXX to XXXX. They also declined my request for installment and request that I submit a full payment of {$24000.00} before XX/XX/XXXX. 

I believe these claims are invalid because of the following : 1- I did not receive any correspondence from XXXX regarding this. 
2- XXXX did not have my correct mailing address or my email. 
3- efforts should have been made to contact the dealership to get my correct contact information. 

Additionally, no correspondence until this date has been sent to me to obtain my personal belongings that were in the repossessed car. 
XXXX have numerous similar lawsuits and allegations for similar claims that can be found publicly online. Unfortunately, I was the victim of their predatory conduct. I am currently pursing legal actions against XXXX. I have no problem in paying the monthly installment as I am a XXXX and I work at XXXX  XXXX XXXX XXXX. I would appreciate your help in removing these claims as it has severely impacted my credit score and also due to the fact that XXXX did not reach me either via email, mail or phone to get the correct credit card number. 
Please feel free to call me at XXXX to discuss further if needed. 

Thank you so much
Product: Credit reporting, credit repair services, or other personal consumer reports

While doing a recent review of my credit report. Ive noticed that their are a few accounts that were disputed with your bureau ( Equifax ) that I have also submitted with XXXX XXXX and XXXX. **** These accounts are listed with your bureau ( Equifax ) as they were with the other two bureaus. Disputes were sent out to each bureau at the same time with the same verbiage. 
By law each bureau has to abide by the laws of the FCRA. 

XXXX XXXX and XXXX  are reporting different from what you are reporting. Each account on your bureau report ( Equifax ) has / had the same account number and identical information and at the end of your investigation your bureau stated that they verified it with the furniture or guarantor. The other bureau has done the same and have received different results. 

If this is the same account thats being reported by the same creditor, how are these numbers and other verbiage different? How could the verification process be the same and receive different results? How could all three bureau follow the rules of the FCRA and get three different results from all three bureaus? XXXX is responding back that the information is true and correct and has updated or deleted the item. So has XXXX! So why does your bureau ( Equifax ) find it probable cause to continue keep incorrect information and not delete or up date it if in your verbiage has been verified by the guarantor/creditor? 

( Is the bureau using a computer verifying system or is their a ****human ~~~~taking out the time to make sure that the information is correct? ) Because of this apparent neglect, and ensuring that everything on my account is accurate, consistent and up to date. Please delete these accounts immediately because of the negligence from the original creditor to the credit bureau and in inaccurate verification from your bureau ( Equifax ). 

I have enclosed a screenshot and other information for your viewing pleasure. Please see all of the highlighted sections that I have outlined for you. 

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

i had pulled my credit report because i am trying to buy a house and i noticed i had damages on my credit report. according to the 15 u.s.c 1681 law there should not be any damages on my report, and it is a defamation to my character.
Product: Vehicle loan or lease

On XX/XX/XXXX, I received an alert from my credit card where I am signed up for a credit monitoring service that said I had a hard inquiry on my credit report from Ally Financial and it says it was in reference to a new account. I called them on the XXXX to see why they had made an inquiry on my credit for a new account since I did not open any new savings accounts with Ally Financial and I bought my car on XX/XX/XXXX which coincides with my new account with Ally Auto since I have my car loan with them. Prior to me buying a car they have never made a hard inquiry on my report since I only have savings accounts so I was confused. I called Ally to ask them why this was the case and they stated that it was my dealership, XXXX XXXX XXXX, that made the inquiry on my account since Ally only buys loans. So I called my dealership and they said that no they did not make this inquiry since I bought my car in XXXX and they only keep my finance data for a short period of time. Additionally, if someone would have came in the dealership using my social security number it would have been flagged. So I called Ally back and relayed this to them and they still could not give me an answer. I asked them if they kept a record of who submits inquiries to them about buying a car loan and one person told me no but then another person told me yes and sent me to the credit part of the company but no one answered my calls. Additionally, I was refunded {$500.00} from the dealership because I cancelled a service I bought with my car and they sent a check back to Ally and the check has cleared but Ally has no record of it. I have email correspondence and can show phone record proof of my multiple calls to Ally. I am so frustrated because they will not give me an answer on these two issues.
Product: Credit reporting or other personal consumer reports

I was an authorized user on a XXXX credit card account. This account was opened in XXXX of XXXX. The account was charged off in XXXX of XXXX and settled in XXXX of XXXX. I have requested removal of this account from my credit report however all XXXX did was update it to reflect that the charge off was settled. I have made multiple requests and still it remains.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to follow up on my previous communication regarding the removal of charge-off accounts from my credit report. This marks the 2nd formal attempt to address this matter.

Despite my initial request and subsequent efforts, the charge-off accounts remain unresolved, adversely impacting my creditworthiness and financial standing. It is imperative that these accounts are promptly removed from my credit report to ensure its accuracy and integrity.

I urge you to take immediate action to rectify this matter and provide me with confirmation once the charge-off accounts have been successfully removed. Additionally, I request regular updates on the progress of the removal process to ensure timely resolution. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX Balance : {$380.00} ; XXXX XXXX XXXX Balance : {$1500.00} ; XXXX  XXXX Balance : {$810.00} ; XXXX XXXX Balance : {$6700.00} ; XXXX XXXX XXXX Balance : {$3600.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 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 that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX WASHINGTON XXXX DC XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX XXXX : {$0.00}, XXXX XXXX XXXX Balance : {$780.00}, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$170.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$2000.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3300.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$740.00} XXXX XXXX XXXX XXXX Balance : {$17000.00}, XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX 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: Credit reporting or other personal consumer reports

It has been drawn out into the open that the 3 credit bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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
Product: Mortgage

In XXXX of XXXX, we sent in our normal payment. We were a bit tight, so our XXXX  was helping us out ; they provided a check for {$500.00}, while we paid the rest. We included our mortgage statement in with the payment, just as we had every single time we did this process. Truist " processed '' our payment on XX/XX/XXXX. Unlike every other time we've done this, they suddenly forgot how to process multiple checks. They applied our check towards principal only and sent the XXXX XXXX  check back to them. Due to the fact that it took some time for the XXXX  office to figure out what was going on, direct the check to the XXXX, and the XXXX  to jump through the hoops required, Truist marked our payment as over 30 days late, even though we had done everything right. 

Fast forward to today. We are down to 77.76 % XXXX, our missed payment is more than a year in the past, and they still will not drop our PMI due to that 30 day late payment which was their fault, not ours. We have requested it to be dropped twice since it has dropped below 80 %. The first time was in XXXX or XXXX of this year ; when on the phone with them, discussing why they rejected us, their customer service rep saw the " missed payment ''. When told about what had happened, she was able to follow the trail and confirm that it was their mistake, but that too much time had passed since it occurred and they were unable to do anything about it. The second time was just this month ( XX/XX/XXXX ) ; we just received the letter of denial in the mail. 

What are our options? We are below the government-mandated 78 % level for automatic PMI removal, but they're still throwing their mistake in our faces. We've paid over {$1200.00} in PMI that I don't feel that we should have been required to pay, as they were the ones that made the mistake processing our payment.
Product: Credit card or prepaid card

It was started in XXXX. I dont remember the exact date but around XX/XX/XXXX. 
I called in to dispute fraud charges on my account. 
Bank of America credited the charges and the following weeks contacts me and tell me the charges are not fraud. I have reopened this case over 5 times and have asked for proof and they refuse to send me any paperwork besides a piece of paper that says the claim was declined. 
Today XXXX I just got another letter saying that they will put a note on my credit file that I do not agree with their decision and there is nothing else they can do. 
This is not acceptable!! One of the charges is from a store in XXXX!!! 
I need help, the company refuses to provide proof!!
Product: Credit reporting

Both Experian say you can dispute the accuracy of the info in your credit report online, and I have provided, every which way to Monday, the info they are requesting to do but, keep getting and error message and/or a message that they " are unable to process [ my ] request at this time. '' This has been going on for over a week, over 30 attempts with the same type of response, so you really are not able to get your report and dispute the items online as advertised.
Product: Mortgage

XXXX XXXX secures mortgage for XXXX XXXX XXXX XXXX, XXXX, AZ, my current residence XXXX Foreberance covered by HUD Lien in the amount of XXXX XXXX I sign note, notarize and send back to XXXX  XXXX Hud brings loan current by applying lien amount to account. 
XXXX XXXX sells mortgage account to Flagstar with lien amount intact XXXX Flagstar offers XXXX  refinance on current loan XXXX Flagstar discovers HUD lien was never filed with the XXXX court or mortgage title. 
XXXX Flagstar can not produce original note signed by me and notarized XXXX Flagstar claims that court refused note because notary stamp was not clear, but can not product evidence that it was rejected. 
XXXX Flagstar wants me to sign an exact duplicate of the original note to file with XXXX XXXX XXXX Flagstar threatens to remove {$10000.00} from my account ( added by XXXX in XXXX ) if I don't sign. 
XXXX I commit to sign if verbiage in the note explicitly declares the note a replacement in its entirety from the original lost note. 
XXXX So far, Flagstar will not produce a note with that verbiage to hold me harmless from the original that they can not produce. 
XXXX XXXX to Hud. Their position is that XXXX is responsible for the Lien amount and because there is no legal note, and the loan was sold, I am no longer responsible for repayment. 
XXXX Flagstar repeatedly sends me a copy of the note, wanting me to sign it without identifying it as a replacement for the original lost note. They have not produced the original Note or evidence that it was rejected from XXXX XXXX XXXX.
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am writing to you today to urgently request your assistance in addressing a concerning issue regarding an inaccurate collection account on my credit report. 
Personal Information : XXXX XXXX XXXX or XXXX Nature of the Complaint : An inaccurate collection account from XXXX XXXX, XXXX, EXPERIAN is currently appearing on my credit report without my consent or knowledge of any contract with this company. I have not authorized them to use my personal information or credit data in any way. 
Violations of the Fair Credit Reporting Act ( FCRA ) : This collection account directly violates several key provisions of the FCRA, including : Section 607 ( a ) ( 1 ) and ( 2 ) : Credit reporting agencies are required to ensure the accuracy, completeness, and timeliness of the information they report. 
Section 615 ( a ) ( 1 ) : No person may furnish inaccurate information to a credit reporting agency. 
Section 621 : Willful noncompliance with FCRA requirements can result in liability for actual damages or statutory damages of {$100.00} to {$1000.00}.
Product: Credit reporting or other personal consumer reports

This is my several endeavors 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX