23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX XXXX XXXX, my mother refinanced her house through Bank of America in XXXX, XXXX. She was XXXX years old. They gave her a 30yr mortgage. After she refinanced, she said XXXX if anything happens to me the house will be paid off. Three months later she passed away. I went to Bank of America with her death certificate and will and gave to XXXX XXXX. She assured me it would be forwarded to the Mortgage Dept, and if there was insurance it would be applied. I never heard from Bank of America. I faxed those documents 4 times and hand delivered them to XXXX 3 times. The property was left to me and they acted like I did n't exist and because of privacy they could n't discuss it with me. I hired XXXX XXXX to represent me. Bank of America on 3 different court dates had no paperwork that my mother signed. On the 4th court date, they had no paperwork but my attorney said you have to go bankrupt to keep the house. I went bankrupt, paying XXXX a month, but eventually the payments went up over XXXX a month and I could n't afford it. Bank of America sold mortgage to XXXX ( supposedly ). I was evicted, and Bank of America sold my house to a man for XXXX. They never gave me a chance. My bankruptcy Case Number is XXXX. It was filed XXXX/XXXX/XXXX. This matter has given my XXXX. I do n't think it 's right that they kept the bankruptcy payments, never acted like property was mine or would work with me even though deed was in my name. This was predatory lending. I spent a lot of money on lawyers and bankruptcy and expected at least bankruptcy payment back.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you XXXX have for this request. 
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 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

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality. 

I told XXXX, XXXX, and Equifax to reinvestigate the accounts listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These accounts have violated my rights. 

They stated that everything was correct and accurate. 
This is not possible as there are multiple discrepancies with each account. Some of these accounts were paid in full. Some were opened and closed on improper dates. Missed payments that were not missed, etc. 
Illegally shared payment history and personal information with debt buyer companies. 

I have listed all applicable laws below that these companies broke : 15 U.S.C 1681 Section 602 ( A ). States I have the right to privacy 15 U.S.C 1681 Section 604 ( A ) ( 2 ). States that a consumer reporting agency can not furnish a account without my written instructions and consent.

15 U.S.C 1681 Section ( A ) ( 5 ) States that 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. 1681 Section ( 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 or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXXXXXX XXXX Address : XXXX XXXX WA XXXX I want these inquiries deleted/removed because i didnt authorize this company to run my credit and this is fraudulent.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act requires maximum possible accuracy and that agencies must take reasonable procedures to ensure that. It is being claimed that the account is reporting accurately to all consumer reporting agencies which is false and I demand this account is deleted. See attached exhibits and company responses. It is clear that they did not conduct proper investigation to this matter so I demand that they send me the procedures they took to ensure the accuracy of this inaccurate account.
Product: Credit reporting, credit repair services, or other personal consumer reports

COMPLAINT ID : XXXX XXXX XXXX Code XXXX Procedure of disputed accuracy CRA took 60 days to investigate the disputed items submitted. CRA has 30 days. XXXX be up to additional if I would have submitted new information or documentation which would allow them additional 15 days. That did not happen. Violation by taking XXXX the allotted time to investigate. 

The information I disputed and the notice I submitted was not documented that they submitted a notice of dispute within 5 days. That is required. The CRA did not do that. 

Please provide reasonable methods used to verify. Provide the evidence of the reasonable procedures that you used to come to such a conclusion that it was the disputed information was verified. 

Who did you talk to? What is the telephone number of the person you spoke to? What address did you contact? Your procedures for investigation are impartial and fair to preserve the rights of me, the consumer. Any furnisher/lender/creditor must have my signed disclosures that I gave them permission to report. Violation of the XXXX XXXX. 

15 US Code 1681i- Procedure of disputed accuracy ( C ) Contents of Notice ( ii ) identification of any information required to investigate the disputed information, which may consist of a standardized form describing the general nature of such information. 

The CRA failed to outline just that. How was the information I submitted used to verify the disputed items on my credit report? What information did you use to modify my credit report? The information that I sent to you? BC I have the right to privacy and if you obtained any verifiable proof, my permission ( verbal or written ) to report these items in the first place. So how can you verify or modify something that isn't supposed to be listed in the first place? 15 USC 6802 Violation.

Where is the evidence that I gave permission and consent? Provide evidence that the company has permission to report the disputed items on my credit report. 

If you are in a business transaction with various reporting services, how does this make your investigation fair and impartial? These companies are paying you to report. This is identity theft. I am not part of that business transaction. This is hurting and harming me and my financial powers.
Product: Credit reporting or other personal consumer reports

I received a credit alert that on XX/XX/2024 XXXX apparently did a hard credit pull on my name/SS. I did not initiate this action. I called XXXX to explain and they gave me aa XXXX number to call for assistance. I placed the call and the service is no longer available. The recording told me to contact the FTC, who then in turn sent me to you. 
I am just suspicious of my identity being hacked.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 day late remark on XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit card or prepaid card

This is a continuation of XXXX. According to my records, Comenity should credit my account {$48.00}, rather than the {$43.00} mentioned in their last response. The level of inattention to detail that Comenity offers to its customers is hard to believe. Please contact them again about this. Thank you.
Product: Checking or savings account

I am filing a complaint with a CFBP regarding Capital One failure to deposit my direct deposit from my employer and any other incoming deposits. One has cited technical difficulties which may violate EFTA as it requires timely access to funds. This situation may cause issues and concerns about the consumer protection laws. I request you assist in investigating the matter to ensure my rights are upheld. Thank you!
Product: Credit card or prepaid card

I received a PayPal credit card bill for {$5400.00} in early XXXX, XXXX. 
I NEVER opened this account. 
I have NEVER made a payment on the account. 
This is Fraud. 

I contacted Syncrony Bank and told them that I never opened this credit account and that I only found out about it when I received the bill. It was well understood on the call that this was a case of fraud, and they assured me I would not be responsible for the {$5400.00}. I received a letter from them dated XX/XX/XXXX that confirmed I would not be responsible for the unauthorized transaction, and that the account had been closed. I then received a letter from Synchrony Bank, dated XX/XX/XXXX, and a Fraud Investigation Form that they requested I return by fax, which I did on XX/XX/XXXX ( I have the fax receipt ). 

On XX/XX/XXXX, I received another letter from Synchrony Bank, dated XX/XX/XXXX, denying my fraud claim because they said the account had been open for more than 12 months, and they said I had made a payment. The initial fraud was initiated online, and I was only made aware of it because of the past due bill I received in the mail in early XXXX of XXXX. I assume the payment they received was sent online by the person who opened this account. I HAVE NEVER HAD AN ONLINE PAY PAL ACCOUNT, AND I DID NOT REQUEST OR EVER RECEIVE A PAY PAL CREDIT CARD. I ALSO HAVE NEVER MADE A PAYMENT ON THIS ACCOUNT THAT I DID NOT OPEN. 

I received a new PayPal credit card bill which shows a statement closing date of XX/XX/XXXX. This bill has a different account number and the description of the charges states it is a balance transfer from the initial fraudulent credit card that they had closed. So they have created a new credit card account without notifying me they were going to do so, and without my permission. The total balance on this bill is now {$5500.00} because they have charged interest as well. 

I contacted them on XX/XX/XXXX and explained everything to them again. They have re-opened the fraud investigation and stated " the matter will be resolved in 30 days ''. 

I am filing this claim with the CFPB to ensure there is a record of this fraud, and to ensure I am not liable for the fraudulent charge.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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, credit repair services, or other personal consumer reports

I need a coy of my report because there are addresses and information that is not correct on my credit report. My name is XXXX XXXX XXXX. Please remove any other variations of my name. I had issues of my personal information being compromised.My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX-XXXX Please remove the following address they are not mines. 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX-XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX-XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX-XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX-XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX-XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX-XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX   XXXX, NC XXXX-XXXX XXXX XXXX XXXX XXXX, NC XXXX-XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX-XXXX XXXX XXXX XXXX XXXX, NC XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's 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 or reseller. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

I was offered to be part of a hardship program as long as I continued to make the negotiated payments on time and they told me they would not report any delinquent payments as long as I continued to make the monthly payments I have proof from their own site that every payment had been paid as agreed and therefore there should have never been payments reported as past due this hurt my credit over XXXX points and has ruined a loan for me I sent them multiple XXXX mails requesting them to remove the inaccurate data they put on my credit report and they declined to do so XX/XX/24 XX/XX/24 multiple dates I gave all correspondence
Product: Checking or savings account

My phone was stolen in the end of XXXX beginning of XXXX. The phone did not have a lock on it. I was left with no phone, no access to any of my personal information like bank accounts, emails, I didnt even have a form of communication. From XXXX there was numerous unauthorized charges, totaling up to XXXX. On Sunday XX/XX/XXXX, I was given a phone which allowed me to get access into my bank account to see the accumulated charges. Charges included, XX/XX/XXXX transactions, charges at the XXXX XXXX, rides from taxis, restaurants, etc. I contacted chime and made them aware of the situation that happened and they said they would look into the problem and fix it. I had two separate disputes open, one of which is still open and the other is closed. The one that was closed totaled out to around {$700.00}. Chime basically told me that there was nothing they could do except supply me with the documents they used to come to the conclusion that my money wasnt stolen.
Product: Credit reporting or other personal consumer reports

On the following months and years : the account ending in XXXX is restricted and paid off never late. If Im not able to use the limit of this card thats in the principals account, then this should not be reported late anyways as of current year XXXX. Im receiving late payments reported on my credit report that shouldnt be reported in the first place. Its basically inactive with a balance of {$0.00} with a limit of {$500.00}. The previous years of those reporting should be removed now as per law given below states out clearly these can be removed much sooner than 7 years! 

XXXX, XXXX, and XXXX of XXXX : XXXX, XXXX, XXXX, XXXX & XXXX of XXXX XXXX and XXXX of XXXX XXXX and XXXX of XXXX : Above all mentioned above were reported as late payments. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX has violated my rights. XXXX XXXX has also reported late payments on my profile in XX/XX/XXXX. 

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

15 USC 1681 Section 604A section 2 : it also states a consumer reporting agency, financial institution can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

With these specific laws stated above protects my reserved rights as a consumer and I have enforced my rights to the reporting companies, financial institutions, credit reporting agencies furnishing information without my consent or written instructions.

Having these late payments on my profile is a defamation to my character. Its illegal and has prolonged my credit health, credit worthiness, and can not do the necessary things in life with my extension of unlimited credit. 

By : XXXX XXXX XXXX XXXX Authorized representative, & beneficiary of account
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX Credit Bureau is reporting inaccurate information on ACIMA CREDIT FKA XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting or other personal consumer reports

I HAVE reviewed my credit profile for the first time and noticed I have unauthorized accounts that were not mine and I never opened these accounts also have addresses that did not belong to me or personal information. ACCOUNTS - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX - XXXX XXXX XXXXXXXX - XXXXXXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, experian and XXXX  are reporting credit inquires on my account i do not recognize and that were never initiated by me. I have mailed a letter to all 3 bureaus requesting them to investigate and remove these inquires from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Went to go get a student loan as I am a current XXXX XXXX in college and I was denied due to adverse information on my credit report. 

Knowing this should not have been the correct information I reviewed my credit report and had seen these accounts by Citicards NA and XXXX XXXX. 

I have contacted the office of the Attorney Generals office of CA XXXX XXXX, which I filed a theft report with along with the Federal Trade Commission and the XXXX XXXX Police Department. 


I certified with all 3 Federal and State Agencys that under the law or Perjury I certify all is true and correct, I am the victim of fraud that took place with CitiCards NA & XXXX XXXX. 


Also I have contacted XXXX XXXX of the XXXX XXXX to help me in the event that I need to file paperwork with the XXXX County Court. 


I have supplied CITICARD & Citibank with all the necessary requirements under the FCRA 2009 ( a ) to have this removed under the basis of fraud. I have satisfied all the necessary filings with state and federal law enforcement agencys and am asking Citicard to cease and desist ALL reporting of this account that was fraudulently obtained in my name. 

Any previous verification was fraudulent, also I have contacted 8 banks on XXXX  to notify them of fraudulent checking accounts in my name as well which can explain any payments made in my name, I have reported this to the FBI as it is stealing from FDIC. 


I will once more state that this account can not be transferred, sold, or be collected on under the FDCPA 2009 as the proper authorities have been notified. FCRA 603 ( q ) ( 4 ) The term identity theft report has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. " This is creditor negligence as outlined in the FDCPA as Citi has been notified with all the necessary paperwork.
Product: Debt collection

I Received a call from XXXX XXXX from Cbj Credit Recovery Inc stating i need to pay off my bill it was illegal and i would be sued in federal court If i did not pay the bill and possibly throw in Jail, The bill was paid in full and I provided proof to. This company have over 500 complaints here at the CFPB and I demand something be done about this company and this fraudulent account be removed off my credit report as it his hurting my way of living. Thank you.
Product: Mortgage

XXXX refinanced XXXX trust through XXXX loans ( fixed rate Balloon ) - went to XXXX XXXX XXXX XXXX modified to 4 %, 30 year term, XXXX XXXX XXXX wroteoff/charge off over the years transferred to many debt collectors Capstone Funding Group XXXX XXXX XXXX XXXX XXXX is suing in court Foreclosure on the second, the home is under water to a XXXX paid on time Nationstar XXXX 
Capstone is suing on the original note from XXXX a 6.75 interest rate loan Spoke with XXXX XXXX and asked her to provide to me proof that they have the XXXX modification & what int. rate are they using? She said she has to ask manager to get into the vault for the paperwork. I told her I am concerned about Fraud. 
XXXX XXXX never cld back, I called her and she said she does n't have the paperwork. 
XXXX XXXX then filed the final loss mit. to court saying she did not do a mitigation, but because I did not give her the XXXX modified loan agreement. I have emailed this to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX said she can talk to me about a modification, she would call me back - never did XXXX called cell # of XXXX XXXX - she told me she no longer works for Capstone, she will try to get ahold of XXXX XXXX, the foreclosure is on hold, they got the XXXX docs that I sent XXXX/XXXX/XXXX XXXX XXXX of XXXX. XXXX XXXX XXXX. ( XXXX ) called after 3 times got ahold of a XXXX, she took his info she stated she needed to contact XXXX XXXX who is working on our file ( KB told me the day before she was no longer working for capstone ) The phone num capstone provided on their contact sheet is temporarily disconnected since XXXX, the other number goes to a recording, you can not talk to anyone, the voice mail says ca n't accept messages, this has been happening for the last two weeks - we have a mediation date on XXXX/XXXX/XXXX Please help I do n't believe they own this loan, the XXXX MERS assignment shows XXXX XXXX as working for XXXX XXXX, as a VP, but when you XXXX her she is an assistant at XXXX XXXX XXXX in XXXX, that is who the recording was requested by.