23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Fifth Third Bank has reported me to XXXX for check fraud back in XX/XX/2017 and they are saying information is accurate. Ive sent over documents showing them that Ive made multiple identity theft reports because some use fraudulently used my information and opened this account online. I have made disputes with XXXX as well and i still got nothing. My current financial institution has placed a restriction on my account due to this matter. I have never had this bank and never opened an account with these guys and because of this i have no access to my funds in my current bank account
Product: Credit reporting, credit repair services, or other personal consumer reports

I did a dispute wit EXPERIAN several times indicating the error is been reported a late payment on    XXXX   XXXX  with the account with time payment company, Experian sent me the results they never fix the error  here are the documents to support my complaint as of today 's date since Experian  didn fix  my report I decide to share with CFPB .Im attaching proof of my  XXXX  payment sine Experian  report  ed one l ate in   XXXX   payment, please review my documents and let me me know when the error is been fix Best regards   XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE A TON OF UNAUTHORIZED INQUIRES REPORTING ON MY FILE THAT NEED TO BE REMOVED.
Product: Mortgage

I refinanced with XXXX XXXX XXXX in XX/XX/XXXX, for {$210000.00}. The lender secuterized my loan, and the sponsor and master servicer was Countrywide LP. Then right after XXXX XXXX   XXXX defunct on XX/XX/XXXX, and Countrywide LP on XX/XX/XXXX, Bank of America Home Loans identified itself as the lender of my mortgage stating the he own my mortgage since the consumation of the loan on XX/XX/XXXX. Bank of America repetedly stopped the drafting of my payments from my bank, first alleging problems with their systems, but stating, " not to worry they were fixing the problems ''. And then, they would send letters of past due payments. On XX/XX/XXXX, we applied for The Hardest Hit modification program to reduce the principal of the predatory mortgage that we were induced to accept from XXXX XXXX XXXX. The agreement that Bank of America signed with the Hardest Hit Program was to match the {$50000.00} paid in the homeowner behalf for a total of {$100000.00} reduction of the principal of the mortgage with a fogiven amount of {$38000.00}. During thee anniversaries years if by the end of the last day of the month I was not pastdue 90 days or three months. Bank of America continued the abusive practices as Countrywide stopping drafting the payments from my bank, reporting me to the credit bureaus and acting as if we were not paying. Again telling us not to pay attention to the computerized automatic letters sent. The very same year of the hardest hit modification they stopped the draft of the payments with the intention to keep the {$50000.00} from the state program and to lead me to foreclosure to take my house. But before the 90 days, they wanted us to be late we paid them. Then on XX/XX/XXXX and XX/XX/XXXX they played the same dirty game, but on XX/XX/XXXX they crowned their evil plan by sending a series of modification packets that we ignored. One of their packets included a " Clarity Commitment '', stating the following, '' your new principal balance {$120000.00}, past due interests {$1600.00}, services expenses paid to third parties {$38000.00} total, of {$44000.00}, negative amortization and a ballon payment of {$81000.00}. When I was not behind and my principal balance without counting the unapplied payments was only {$80000.00}. I want a full double sided, certified " true and accurate '' copy of the original promissory note and security instrument and all assignments of the security instrument. Full name of trust were the note number is trading and the identifying series of certificates. Full name, addres and phone number of the custodian of my original promissory note. a complete audit history from alleged loan origination showing the dates payments were applied and to what account ( principal, interest, suspense, escrow, etc. ) to the date of your response to this letter. an itemized statement of all advances, charges ( late fees, fees incurred to modify, extend or amend the loan since the date of the note origination to the date of your response to this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I have been trying to get this issue resolved with XXXX XXXX, however they keep on reporting that I have a credit card with them with the balance of {$14000.00}. I have contacted them on multiple occasion advising this is not mine and I'm a victim of identity theft, however they are not doing anything. I have provided them with police report and still nothing has been happening. This has caused me loosing a job and not being able to find a new one. I really need help getting this removed from my credit, as this belongs to someone else. I have frozen my credit and there are several alerts on the report. Additionally there is another company that's keep showing up on my credit report AWA Collection, this is also not mine and I have contacted them on multiple occasion but nothing is being done. Also XXXX XXXX is not mine however it seems like they are not willing to address the fact that I am a victim of identity theft. 

thank you
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report. To m surprise, you are reporting this account Credence resource Management incorrectly. This a collection account is reporting that account incorrectly. This collection account is reporting not only is open but also is past due of {$1500.00} according to the FCRA I have the right to have an accurate credit report, please provide me with a copy of my new credit report reflecting this account removed upon completion.
Product: Debt collection

I am a victim of Identity Theft and this what happened. On XXXX, XXXX, after I pulled my credit report, I found out multiple accounts that did not belong to me, right after doing my own research, months later, to be exact on XXXX, XXXX, I submitted my first dispute to the credit bureaus, after about three weeks a received replies from them requesting me to file a Identity Theft Police Report, so I did. On XX/XX/XXXX I filed my Police Report, with the report in my hands, on XX/XX/XXXX, I started my dispute journey but this time I included my Police report. I did not send my disputes to the credit bureaus very often, since I am always busy, but so far since that time to date, I have submitted my package of Identity Theft at least four times. 
Unfortunately, I recently received multiple collection letters trying to collect on alleged debts that I really do not have any idea of. One of those collection letter is the one with SYNERGETIC COMMUNICATIONS INC.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau Subject : Follow-Up on Complaint # XXXX Dear XXXX XXXX XXXX I hope this letter finds you well. I am writing to follow up on my Consumer Financial Protection Bureau complaint # XXXX, which was submitted on [ Date of Initial Complaint ]. As of today 's date, it has been over 60 days since I filed the complaint, and I regret to inform you that I have not received a response from Equifax regarding the credit inquiries that are adversely affecting my day-to-day life. 

I have previously lodged multiple complaints with Equifax concerning these credit inquiries, and yet, there has been no response or action taken to address this matter. The fraudulent nature of these inquiries is evident, as I do not recognize them and have not authorized any such activities on my credit profile. I have provided detailed explanations and documentation in my previous complaints, highlighting the urgency and seriousness of this issue. 

It is disheartening to find that my pleas for resolution have fallen on deaf ears, and the lack of action from Equifax has only exacerbated the negative impact on my financial well-being. This situation is causing immense distress and hindering my ability to access essential financial services. I have been diligently working towards resolving this matter, but without cooperation from Equifax, it remains an uphill battle. 

I am once again requesting your intervention to urgently address this matter and ensure that Equifax initiates the necessary steps to rectify the fraudulent credit inquiries on my credit report. It is crucial that these inaccurate entries are removed or corrected promptly to restore the accuracy of my credit history. 

I believe in the purpose of the Consumer Financial Protection Bureau to safeguard consumers ' rights, and I am relying on your expertise and authority to help me find a resolution in this troubling situation. I am eager to put this matter behind me and move forward with confidence in my financial affairs.
Product: Credit reporting, credit repair services, 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 accounts ( A ). It is not permissible to fail to validate these reporting accounts 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 XXXXXXXX Balance : {$31000.00} XXXX XXXX Balance : {$0.00}.
Product: Debt collection

Upon reviewing my credit report I was made aware of a few errors that were listed on it. 1 of the errors was this debt for {$110.00}. I would like this collection to be removed. I called to verify this debt with the collection agency and they were not able to verify this debt. I would like this debt removed because it does not belong to me and the collection agency was not able to verify it.
Product: Debt collection

Discover Personal loans placed my loan in a collection account rather than lowering payments due financial hardship. Since it has been in collections the loan has negatively impacted my credit and prevented me from getting an apartment, job and stable means of obtaining work to pay off the debt. 
If possible I would like the collection account removed from the credit score so I can gain stable employment and obtain a place to live. I am also open to other options at the lenders discretion in order to get employment and a place to live.
Product: Credit reporting

XXXX XXXX XXXX and XXXX XXXX XXXX were the mortgage holders for my loan. I have a previous complaint against them ( Case number : XXXX ) with CFPB about the elongated sale that caused additional payments and delay in the closing of the escrow of my home. Now, I am unable to obtain an optimal loan because these XXXX companies are reporting late in my loan payments.
Product: Credit reporting or other personal consumer reports

Upon a recent examination of my credit report, I have identified multiple billing errors pursuant to 15 U.S. Code 1666 ( b ), specifically : 1. The creditor 's failure to accurately reflect a payment made by the obligor or a credit issued to the obligor on the statement 2. A computational or similar accounting error on the creditor 's statement.

Moreover, the creditor did not provide the legally required 21-day notice prior to the statement, resulting in improper late payment recordings on this account. I hereby demand verifiable documentation from the creditor 's financial records substantiating that I failed to make these payments on time. It is evident that this constitutes a billing error.

The following items must be amended to " Paid as Agreed '' on my consumer report : 1 ) Payment Status for Month of XXXX, 2019 2 ) Payment Status for Month of XXXX, 2019 3 ) Payment Status For Month of XXXX, 2019 Pursuant to my rights as a consumer, I demand that these remarks be updated or deleted immediately. Due to these incorrect payment reports, my ability to obtain new credit has been severely limited, hindering my efforts to improve both my life and my children 's lives. Non-compliance will compel me to seek monetary compensation for this violation under 15 U.S. Code 1681n ( Civil Liability ) in small claims court.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 blocking 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 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 Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX Balance Owed : {$6500.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$860.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

They said I never returned back their equipment I did and I have the receipt I request this issue with you guys already and it comes off my collection then another Debt collection company put me back in collection For the same issue
Product: Credit reporting or other personal consumer reports

ATTENTION : CUSTOMER COMPLAINTS DEPARTMENT Today is XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My one and only correct First and Last name is XXXX XXXX My correct and legally obtained SSN is XXXX My current correct Address Street Number , Street Name, City, State is XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX My one and only Date of Birth is : XX/XX/XXXX RE : consumer notice in demand for ONLY CERTIFIABLY COMPLIANT REPORTED and physically verified valid personal identifier information that as well is requisite reported to be included on any report you create, retain, receive, and or release. 
Notice to : To Whom It May Concern : received a copy of my credit report and, to my surprise, you are reporting a lot of incorrect information. You have several incorrect personal identifiers listed in my credit file and I am requesting that you remove any information that is not completely accurate. I am seriously concerned that the information that you are incorrectly reporting may send personal mail to the wrong address and jeopardize my identity or lead to fraud if it has not already. 
My one and only correct First and Last name is XXXX XXXX and I have no other requisite reported names or aliases. Please removeall other versions of information similar or alleged as being my name from my credit report. 
My current correct Address Street Number , Street Name, City, State is XXXX XXXX pl XXXX XXXX XXXX XXXXXXXX Please update the information in my file to reflect ONLYmy above mentioned true accurate undeniably valid current correct address and remove any and all other reporting addresses that are not exactly as I have d and proven. These other addresses are not deliverable to me by the U.S. Post Office, and they are not reportable as per the FCRA Section 623 since they are not yet proven accurate Please remove all alleged employers that are listed on my report. 
Please remove all phone numbers that are listed on my report, otherwise please provide proof that you have verified them to be completely accurate and perfectly factual and certifiably compliant in its reporting. I do not AUTHORIZE you to retain or report any not requisite reported, not certified compliant, potentially outdated, potentially inaccurate, and or else wise unverified even invalid alleged personal identifier information In accordance with Consumer Protection laws, I request that these NOTED items be removed from my credit report. I know that you are only legally permitted to distribute requisite reported certified compliant and verified valid claims that are true and as reported, I do not give you permission to publish any outdated or incorrect information about me. I understand that you must complete this update within 30 days of receipt of this letter. 
Please send a letter verifying your absolute and total compliance to the above address, along with my updated credit report. Thank you for your prompt and timely help in this matter. 
Sincerely. 
My one and only correct First and Last name is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

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

They keep locking me from filing disputes and I send proof for wrong entries by mail and they will not fix problem and wo n't accept my disputes, and keep putting fraud alerts on my file for no reason and keeps me from improving my credit to purchase home, I 'm ready to hire an attorney and file suit against them for interfering with this and not following federal and state laws. I want this fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XX/XX/XXXX To whom it may concern, I am filing a complaint due to fraudulent addresses on my credit report that do not belong to me. I had my ID compromised and I am trying to deal with the aftermath of this situation. I will attach my true and proper ID and address to this complaint. Please be advised the following addresses need removed : XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX My current and only employer is XXXX XXXX XXXX XXXX XXXX My only address is XXXX XXXX XXXX XXXX XXXX, OH XXXX, please remove all others they are not accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

LVNV reported to all three credit bureaus that I owe them {$780.00}. I have asked them to please verify the debt by showing me the original signed application and statements they have not. I live and I'm multi-family triplex with unsecured mailboxes and packages are stolen. I have been denied credit and a place to live because of this inaccurate credit reporting by lvnv. Also I noticed that they have my name as XXXX XXXX HOWEVER my name is XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX mail sent to Transunion XX/XX/XXXX was ignored which is a violation of U.S. Code 1681 ( a ) ( 1 ) ( A ) which states if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer. - Transunion refused to investigate although new information and documentation was sent to them regarding there being two different credit collectors attempting to collect on one account.

I advised Transunion of the second violation of the Fair Debt Collection Practices Act 15 U.S.C. 1681a Section 623 ( a ) XX/XX/XXXX stating the original creditor provided them with inaccurate information/fraudulent fees and charges and Transunion did not complete a thorough investigation. Transunion allowed the company to deduct fees for which they could not prove I owed off of the total balance but failed to investigate all fees listed in the dispute I sent to them. 

Transunion removed both collection accounts from XXXX XXXX and XXXX XXXX from my credit report twice in the past 120 days. The latest being XX/XX/XXXX. I was not notified on either occasion of the accounts being added back to my credit report within 5 days which is required under federal law FCRA 611 ( a ) ( 5 ) ( B ).

Transunion has violated The fair Debt Collection Practices regarding these accounts and my dispute requests more than five times in the past 120 days and continue to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I continue sending letters to transunion through certified mail but they continue to say that they haven't received anything and refuse to investigate these accounts.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate : Account name -XXXX  XXXX Account number XXXX
Product: Credit card or prepaid card

I received a credit card in the mail from Prosper that I DID NOT APPLY FOR. It has a number on it to call and activate the card and a XXXX XXXX on the back of the card which I did call to report fraud and no one answered after 30 minutes on 2 different calls so far. 
I reviewed my 3 different credit reports and 2 of them listed soft inquiries from Prosper within the last month. 
It appears to me if I call the activation number it will likely be automated and will act as a tacit request for a credit account with them so I did not call that number.
Product: Credit reporting or other personal consumer reports

I submitted several investigation request letters to the credit bureaus and they are still violating my rights by reporting inaccurate, unverifable and incorrect information on my credit report. I sent the investigation request letters out by certified mail and they were notarized. I will hold the credit bureaus accountable for willful noncompliance. They have violated my rights and I have proof of it.