23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

XXXX mortgage has not deleted the fraudulent reporting of a mortgage loan they have XXXX interest in. Equifax continues to state this mortgage is in foreclosure and XXXX has no legal ownership.
Product: Mortgage

I have been engaged in a loan modification with bank of America for the past XXXX years. I feel I have been treated unfairly. For months chasing someone to follow up with only to find out they are reassigned or no longer with the bank, but then finally it seemed that we were on track. After filling the same paper work for the XXXX time submitting pay stubs bills etc. again and again finally the modification was approved. I received the conformation letter for the trial on XXXX XXXX 2015 and made the first payment on XXXX XXXX as instructed. Few weeks later the bank called to say that the approval was in error and we have to do it all over again so we did. Now it has been denied for reasons that I do not understand, I have complied with all they have requested, the house is scheduled to foreclose in one week on XXXX XXXX and am not sure what to do. It 's egregious to leave me with no option but to foreclose, while the house still has equity and I would have had more options if I knew this ca n't be accomplished three years ago. I have all the details and supporting documentation, its shows lack of knowledge, misinformation, and miscommunication. Please Help!
Product: Credit reporting or other personal consumer reports

SYNCB/BELK  
Inquiry date  
09.15.2023    
Complete Department Stores 
(800) 669-6550  
Address  
PO BOX 965028  ORLANDO, FL 32896  

SYNCB/BELK  
Inquiry date  
11.19.2022   
Complete Department Stores
(800) 669-6550  
Address  
PO BOX 965028  ORLANDO, FL 32896  

CAP ONE NA  
Inquiry date  
03.22.2024  
Bank Credit Cards  
(800) 227-4825  
Address  
PO BOX 30281  SALT LAKE CITY, UT 84130

CAP ONE NA  
Inquiry date  
02.15.2024   
Bank Credit Cards  
(800) 227-4825  
Address  
PO BOX 30281  SALT LAKE CITY, UT 84130  
  
BK OF AMER  
Inquiry date  
12.16.2022   
Bank Credit Cards  
(800) 421-2110  
Address  
PO BOX 982238  EL PASO, TX 79998  

BK OF AMER  
Inquiry date  
07.29.2023   
Bank Credit Cards  
(800) 421-2110  
Address  
PO BOX 982238  EL PASO, TX 79998  

BK OF AMER  
Inquiry date  
09.15.2023   
Bank Credit Cards  
(800) 421-2110  
Address  
PO BOX 982238  EL PASO, TX 79998  

REVVI/MRVBANKS/VT
Inquiry date
07.05.2023
All Banks - non specific
Phone number
(573) 883-8222
Address
2700 SOUTH LAKE LORRAINE SIOUX FALLS, SD 57106
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Credit Bureau failed to remove old address of : XXXX XXXX XXXX. XXXX, PA XXXX. This bureau was sent a letter via certified mail to delete this information.
Product: Debt collection

My identity has been stolen, Severals accounts have been opened under my name without my consent or knowledge.
Product: Debt collection

Company called during work hours XX/XX/year> at XXXX I stated I am not available. My work hours are XXXX XXXX. Company called XX/XX/year> around XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX several notarized letters were sent out on my behalf to Experian, XXXX, XXXX for verification of items that were listed on my credit report. I sent these letters with return receipt asking how the items in question were indeed verified. I since have received no written response and It has passed the 45 day limitations which the law states that these items in question must be removed immediately. The items in question are as follows : 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

I am writing to report inaccurate information on my consumer reports from XXXX, XXXX, and Equifax, resulting from identity theft. In accordance with the Fair Credit Reporting Act ( FCRA ), I did not authorize the inclusion of these transactions on my reports. This is my official request that this account be permanently blocked and removed, as it is reporting adverse 30-day or more late payments. This is inconsistent with the record, which shows a payment made in the prior month. Additionally, there are discrepancies between the account numbers and account names. This incorrect information is harming my ability to obtain new credit. See attached XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I had sent XXXX XXXX a request of Consumer CHECK for physically verifiable PROOF of validity and CERTIFICATION of mandatory COMPLIANT REPORTING, even to METRO 2 FORMAT REPORTING COMPLIANCE and DEMAND OF REMOVAL OF ANY AND ALL ITEMS NOT DOCUMENTED AS FULLY TRUE, CORRECT, COMPLETE, VALIDATED, COMPLIANT per M2C FORMAT and CERTIFIED AS SUCH with legal standing in full accord of my STATE 's and the applicable FEDERAL regulatory reporting laws and standards of lawful reporting. The letter was sent certified mail and received on XX/XX/2018 XXXX XXXX. 

As of XX/XX/2018 I had received no response and sent them a second letter of their FAILURE TO COMPLY WITH FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY. 

On XX/XX/2018 after the 30 days and after my second letter I received a Debt Verification Response. 

On XX/XX/2018 I sent a letter thanking them for the DEBT VERIFICATION and explained to them that not only that I never asked for a DEBT VERIFICATION, that This request was unanswered in the time frame allotted by federal law and was indeed a FAILURE TO COMPLY WITH FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY. As you are well aware, federal law requires you to respond within 30 days. 

My second letter outlined the fact that my request did indeed go unanswered as I have documented proof of delivery and signature of the Certified mail I had sent.The DEBT VERIFICATION sent does not indemnify XXXX XXXX   of the responsibility and legal requirement to supply EVIDENCE detailing the CERTIFIED nature of the TRUE CORRECT and COMPLETELY COMPLIANT REPORTING of the alleged validated data, even to the full mandatory standards of the METRO 2 FORMAT.
Product: Checking or savings account

On XX/XX/XXXX 4 transactions came through my account.

1. {$10.00} withdrawal 2. {$30.00} withdrawal 3. {$30.00} withdrawal 4. XXXX withdrawal {$200.00} deposit. 

The bank charged me 4 overdraft fees even though there was enough to cover the ( 2 ) {$30.00} transactions and the {$10.00} transactions. I called on the phone and was refunded {$67.00} however I feel I should have only been charged for one overdraft fee. I feel that the bank is allowed to create an opportunity to charge fees that could be avoided. There was a {$200.00} deposit that was more than enough to pay the 3 transactions, but they cleared the {$480.00} transactions to absorb all of the {$200.00} and make the account negative to justify charging the last 3 transactions. The last transaction to come in that is listed in the banking app is {$480.00} ye, t it was paid first. I am so sick of this bank and this scam and this government agency continue to allow this conduct. It's a shame while people are struggling and the government is not helping people the banks are robbing the customers. I have made prior complaints about this and I am aware of many other people who bank here and are having the same issue. The bank changes the terms all the time to scam the customers. Then they have the nerve to put a limit on the number of fees that can be refunded on the account regardless of the reason. I will keep complaining until something is done about this. 


Received XXXX PMT ID XXXX  {$200.00} WEB INITIATED PAYMENT AT XXXX XXXX XXXX XXXX XXXX - {$480.00} WEB INITIATED PAYMENT AT XXXX XXXX XXXX  XXXX XXXX - {$30.00} WEB INITIATED PAYMENT XXXX XXXX XXXX XXXX  XXXX XXXX - {$30.00} Check # XXXX - {$10.00}
Product: Student loan

I have submitted these requests for corrections to my credit reports, Experian and XXXX, multiple times now and have yet to see any change. I have even spoken with the collection office and been told it is going to be fixed. I am tired of the run around from the creditor and the credit agencies, I just want it taken care of.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In XX/XX/2018 I pulled and reviewed my credit reports and I noticed that many fraudulent accounts were listed on them. I desperately need these fraudulent items removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Account I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. Also, the information you provided on the account is DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on some accounts is a mystery to me, I dont remember I missed a payment. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the adverse information on the items be removed to correct the information. 
XXXX XXXX Balance : {$7900.00}
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries were made without my consent, and I firmly believe they are fraudulent. I request a comprehensive investigation and prompt removal from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had recently gottten my credit run and pulled by XXXX XXXX and XXXX XXXX XXXX. I was told I am not qualified to open an account due to what WASHINGTON FEDERAL BANK XXXX XXXX BANK had REPORTED to XXXX and to the credit companys. 

As soon I was notified of this information I knew it was incorrect and as I am a victim of Identity theft and I have gone through similar problems I knew that this was not me and I had Never banked with Washington Federal Bank or XXXX I have been with XXXX XXXX since 2004 and my home mortgage is also through them and I continued to stay with them. 

I had contacted Washington Federal Bank Immediately via phone and I received NO HELP at all in fact I was told an Attorney can contact them if I thought this was Fraudulent. I then went into the Bank at Washington Federal in XXXX WA ( new location ) and submitted all my documents which included ID Theft Affidavit, Police Report, Credit Freeze showing proof that my credit is on freeze and alert, Social Security Letter showing that I notified SSA, Federal Trade Commission Report and more. I was rejected again and again. 

I also went into XXXX and gave them all the documents, told them I never banked with them and someone is using my Identity. I was ignored and no one helped. 

I am XXXX XXXX XXXX XXXX ( XXXX ) for XXXX as a XXXX XXXX XXXX and my credit, my Identity and my value and worthiness is very important to me. I have had continues ID theft and its very hard for me to stop this without any help even after submitting countless amounts of documents. I am very tired of this and need Washington Federal Bank and also XXXX to please remove me off their XXXX and also notify XXXX that this is an error on their end.
Product: Student loan

I have a federal consolidation loan. My loan servicer used to be Great Lakes Higher Education ( " Great Lakes '' ). I consistently overpaid my payments, and Great Lakes told me the amounts of the overpayments were not immediately applied, but were kept in some sort of separate account. My payment amounts " due '' on the website initially decreased, then showed " {$0.00} due '' because the overpayment amounts kept on the side were always available to pay the current month. I figured this was fine because maybe someday I'd be short, and would have that money in reserve to make my payments. 
Then the pandemic hit, and loan payments were suspended for a long time. 
By the time payments resumed, I'd been informed that my loan servicer had been changed to Nelnet. ( I had some trouble getting access to my account on the Nelnet site, but finally got that straightened out. ) I assumed that the accumulated overpayments from Great Lakes would have been transferred over to Nelnet, but I see no indication of that. My account shows an amount due every month, and I pay the amount due. It's been over 8 months with Nelnet now, and I've sent two or three e-mails ( from within the Nelnet site ) asking for confirmation the overpayment amounts were transferred over with my account, and how much was transferred, and have not received any actual response ( only an immediate, automated " we've received your e-mail '' message ).
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Mortgage

In XX/XX/XXXX I was granted a forbearance from XX/XX/XXXX until XX/XX/XXXX. ( I have copy of agreement ). On XX/XX/XXXX I made my XXXX payment. On XX/XX/XXXX a letter from the bank stating they were returning the mortgage payment. During this time I had been working out some kind of payment arrangement. Our ng this to me no one could give me an exact amount I owed. First National Bank stated I owed {$1900.00} on XX/XX/XXXX, {$1900.00} on XX/XX/XXXX, XX/XX/XXXX {$2200.00}, XX/XX/XXXX {$2800.00}, XX/XX/XXXX, {$2300.00}, XX/XX/XXXX {$3800.00} and {$2300.00} and XX/XX/XXXX {$2600.00}. Each time I emailed or called XXXX. I could not get a straight answer. 
The above is only a few of the different amounts the bank said I owed. 
I have hard copies of everything I listed here and more
Product: Debt collection

Resurgent Capital ServicesXXXX LVNV Funding LLC wrote a letter dated XX/XX/2019 responding to a validation letter that I sent on XX/XX/2019, I responded with a certified letter and I received receipt that the company received the letter on XX/XX/2019, and as of today 's date I have not received any correspondence. I requested that the company validate the alleged debt and respond within 30 days and neither has occurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft and have some fraudulent inquiries on my credit profile. I filed an Identity theft report with the Federal trade commission. I've attached it along with my identification.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, please delete all other addresses on my report besides XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Texas. only XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX  XXXX.
Product: Credit reporting or other personal consumer reports

From what I understand, FCRA 605B says wrong accounts should be taken off credit reports. Please check the accounts in the documents. They're reported wrong on my credit report. I'm upset and feeling sick about it. Can you help?
Product: Debt collection

I was told that I owed XXXX for {$2.00} to XXXX credit car  which Ive never had I never open up the car from there and they are saying that theyre going to garnish my pay I have no idea what his car came from or who open it but it was not me.
Product: Money transfer, virtual currency, or money service

Hello, on XXXX 2021 XXXX dollars was stolen and then on XXXX XXXX more got Stolen. This happened on a weekend. I went directly to the Police and filed a police report. They said when they looked it was a Fishing scam and they hacked into my email account when I opened a XXXX email That was fraudulent. Ive fought Bank of America for months. I didnt even get a suspicious alert when they stole the money either time. XXXX Unbelievable I was shocked but little did I know it was fixing to Get a whole lot worse. Ive got no help not even a call from Bank of America investigators. That didnt tell me until ( 3 months into the investigation ) how the people were able to do a Bank transfer. Bank of America said that they attached an Account to mine about XXXX XXXX  days before they stole the money. Unbelievable!!!! But This story gets worse. Bank of America refuses to do the right thing and give my money back on my debit card. I even tried to get the account number that the perpetrators used to do the transfer and Bank of America wont give me the account number they used to get my money. So Im Out XXXX dollars and Bank of America is Withholding the key evidence that I need. 
Thanks XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The Following Accounts are a result of Identity theft and are not mine, I am requesting and demanding a FRAUD BLOCK REQUEST. I demand that the following accounts are BLOCKED IMMEDIATELY under section 605B Of the FCRA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; INCLUDED ( 2 ) a copy of an identity theft report ; INCLUDED ( 3 ) the identification of such information by the consumer ; and INCLUDED ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( This Notice ) INCLUDED I demand all the above Fraudulent accounts BLOCKED immediately. I Demand an updated copy of my Consumer file reflecting these changes ( 15 USC 1681 c-1 2 Access to free reports ) ( 2 ) Access to free reports In any case in which a consumer reporting agency includes a fraud alert in the file of a consumer pursuant to this subsection, the consumer reporting agency shall ( A ) disclose to the consumer that the consumer may request a free copy of the file of the consumer pursuant to section 1681j ( d ) of this title ; and Thank you. 
Sincerely, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting in my credit file however it is inaccurate because I have no knowledge of such accounts. I did my research on what to do because this is really hurting my scores so bad even if I try my best to get a better scores. I asked for proofs yet nothing is provided to me. I am in a tight income and making ends meet. I came across a case vs XXXX, Texas vs XXXX. In that case I have learned that XXXX claims to have a disclosure and an agreement that there is a consumer agreement for all who they are collecting from. I asure you that I did not conform to any of those agreements and I dont know it. Please have this deleted my file immediately. I want to start this year with a chance to fight for my scores.
Product: Credit reporting, credit repair services, or other personal consumer reports

I PRESENTED XXXX WITH MY ALABAMA ISSUED DRIVERS LICENSE FOR THE PAST 17 YEARS. SOMEONE WAS LIVING UNDER MY IDENTITY IN XXXX XXXX NEVADA IN XXXX, XXXX. I LIVE IN ALABAMA AND NEVER LIVED OUTSIDE ALABAMA I HAVE ASKED XXXX TO REMOVE ALL NEGATIVE ACCOUNTS FROM MY CREDIT FILE ASSOCIATED WITH XXXX XXXX NEVADA BECAUSE THIS IS NOT ME! THERE IS A XXXX XXXX XXXX XXXX. THERE IS A XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. ATTACHED TO MY CREDIT FILE THAT IS NOT ME. THESE NEGATIVE FRAUDULENT ITEMS ARE RUINING MY CREDIT FILE ALSO THERE IS A XXXX XXXX AND A XXXX XXXX CHAPTER XXXX THAT SI NOT ME. WHOEVER DID THIS I HAVE RESEARCH BETTER THAN XXXX. FILED THIS CHAPTER XXXX ONLINE PROSE. NOT ME PLEASE INVESTIGATE AND CORRECT MY CREDIT FILE. THIS IS MY 2ND ATTEMPT ASKING FOR A RE INVESTIGATION. I HAVE DOCUMENTS FROM ALABAMA THAT SHOW I FILED ALABAMA TAXES XXXX PLEASE CORRECT YOUR RECORDS.