23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my 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 creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or DELETE all information which can not be verified. 

XXXX XXXXXXXX Date Opened XX/XX/2014 XXXX {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple disputes and FTC letters regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/22 I received an alert from XXXX  XXXX showing a hard inquiry and when i called the company they had no record of any applications on record and advised i dispute the inquiry. I have not recently applied to anything to recieve an inquiry
Product: Checking or savings account

Im a XXXX XXXX using Bank of America for our business account. I have been with B of A for at least XXXX years. We Never bounce checks or have any Issues with bad checks. Recently B of A will put a XXXX to XXXX day hold on ALL my XXXX checks. This is causing issues XXXX XXXX, XXXX XXXX and XXXX XXXX paid. It does not take XXXX days or XXXX hrs for a check to be verified, its instant. Try and write a check with insufficient funds and your check will be declined right then and there. There is zero reason for this policy. Other than they only do this, so they make interest off my hard labor. I sick of banks playing games. This needs to be addressed!
Product: Mortgage

My lender RUSHMORE, had violated almost every right in the home owners bill of rights. I submitted a modification package they XXXX XXXX  service. Transferred me to RUSHMORE, not once have I spoke to my rep, in loan mods. They said the package wasn't received in time, they have a filter on the amount of data they can receive, I sent the package in 2 sections, they say it's incomplete, throughout they have dual tracked my loan, my daughter was hit by a car I missed court but had a PhD medical excuse, I had to refile my XXXX they sold my house without checking the XXXX filing after I told them I filed, i owe XXXX XXXX they say I owe XXXX because of their fees. 
I'm a 30 day period the changed my payment 5 times, the attorney without authorization raised my interest to XXXX when the cap on my modification is 4 %. 
During the pandemic they refused to grant me me a forbearance, for over a year the have applied undue influence upon my family causing such duress my daughter has been placed 3 separate times for 2 week periods of XXXX in the last 3 months, she still suffers daily from psychotic episodes. For a year they have tried anything to make our home unaffordable. All my escrows are caught up I'm behind {$8000.00} in XXXX. But they are penalizing me {$23000.00}. For year they have objected to my XXXX  while I paid {$700.00} extra to catch up. They use multiple servicers to act in a predatory manner behind the veil if their Servicers XXXX XXXX  pulled my mortgage out of the XXXX XXXX pool and privatized it to allow them to skirt forbearance and actively forclose my equity all while I'm waiting delays in Soc Sec XXXX review. They act in a usury fashion all the while their henchmen over at RUSHMORE sit on their UNPAID TARP ASSETS IN THE TUNE OF XXXX XXXX dollars of unpaid loans to he AMERICAN TAX PAYER. They should be shut down for there predatory actions and be forced to pay restitution to all the homeowners they have illegally foreclosed. Thank you for your time and consideration in this matter, anticipating your response, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Stenger and Stenger have filed a case against me my local district court. Stenger and Stenger claims that I owe {$1200.00} for a XXXX XXXX Credit Card. They are suing on behalf of XXXX XXXX. 

On XX/XX/XXXX I was mailed a letter front XXXX ( collection agency ) on behalf of XXXX XXXX and it clearly states that I am not financially responsible for that account. The credit bureaus have also investigated the matter and have deleted both XXXX XXXX and XXXX XXXX my from credit file respectfully. Deletions occurred on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$2300.00} ; XXXX XXXX IN ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX TV XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX XXXX
Product: Debt collection

This company is violating my rights they have not provided validation information under 12 CFR 1006.34i ( b ) ( 5 ) yet they have placed a collection on my consumer report recently.

I have reached out to this company directly to get more information. They are violating my rights and i'm entitled to 1000 dollars for every violation.
Product: Debt collection

This is an urgent and severe message to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX is in violation and have been warned that legal matters will be enforced if I receive absolutely ANY solicitations for a Collection on Debt via Phone, Email or Postal Address. 

XXXX XXXX XXXX XXXX XXXX is now in a severe violation of the following : 15 U.S. Code 1692c - Communication in connection with debt collection 15 U.S. Code 1692e - False or misleading representations 15 U.S. Code 1692d - Harassment or abuse I am the original creditor that funded this private account with CITIBANK , N.A .

CITIBANK , N.A . has violated Anti-Trust Laws and has indulged in an Unjust Enrichment. Citibank has also written off a debt and has sold my information to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

By way of false and misleading conveyance of languages within an agreement, this company has used my private social security number to access my Trust Account as I did not consent to. 

XXXX XXXX XXXX XXXX XXXX business has confessed to purchasing consumer charged off debts from original creditors and subsequently illegally attempt, harass and solicit payment, absent any agreement or consent to contact the consumer proving a severe violation of 15 USC 1592e.

There is no customer relationship in this situation, I am not a customer of this company nor did this company sell my consumer anything, nor have I received any 1099 tax forms from CITIBANK , N.A . showing that this debt was cancelled. 

I am aware that XXXX XXXX XXXX XXXX XXXX buys debt. debt is an asset and it belongs to the original creditor. I am the original creditor. XXXX XXXX XXXX XXXX XXXX must return to me immediately this debt as it is against the law to sell or buy any account that belongs to the holder in due course. I will be following up with acquiring this debt asset. 

Absolutely NO CONSENT was given to share my non-personal information to any affiliated parties. XXXX XXXX XXXX XXXX XXXX has treated my consumer as an employee by using the SSN without proper verification required by submitting the SSN 89 form. I do not have an employer employee relationship agreement with this corporation. 

I do not consent to contract with XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX as this entire matter was only between two parties XXXX XXXX XXXX and CITIBANK , N.A . 

I will be enforcing legal punishment for violations of Trust Fraud against CITIBANK , N.A . as a very heinous and severe violation of Anti-Trust Laws has occurred.
Product: Credit reporting or other personal consumer reports

I was just able to take a look at my credit report, and am stunned and I couldnt believe my eyes when I saw all of this mistake in reporting! 

I don't know why this company is putting this on my credit report. I have never been delinquent on my payments. When I called they said I needed to just dispute it with you. Please investigate and take a look at this account : XXXX  XXXX XXXX
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 : XXXX 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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  is reporting missed payments on a mortgage. A timeshare is not a mortgage ; it is an installment loan. The United States court of appeals recently ruled that a timeshare should not be reported as a residential mortgage. It is an installment loan. XXXX has breached their contract by not having availability but demanding payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 I sent letters to each bureau. I have not received a response yet. I feel like I'm being taken advantage of and being ignored about my disputes. Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me. My information was also impacted by the XXXX  and XXXX XXXX data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX Dear Equifax I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX  : Account number : XXXX, Update this account quickly. 

XXXX : Account number : XXXX, Update this account quickly. 

XXXX XXXX : Account number : XXXX, Update this account quickly. 

XXXX XXXX : Account number : XXXX, Update this account quickly. 

XXXX XXXX XXXXXX/XX/XXXX : Account number : XXXX, Update this account quickly. 

XXXX XXXX XXXXXXXX : Account number : XXXX, Update this account quickly. 

I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 



Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX as a consumer of the United States, I sent Equifax a formal complaint about inaccurate and fraudulent information on my credit report that does not belong to me. I specifically listed their failure to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit report they publish. I also informed them that it is their responsibility to report only 100 % accurate information. I asked for a reinvestigation on 2 accounts. According to the FCRA, section 609 ( A ) ( 1 ) ( A ), they are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that they post on a credit report. Otherwise anyone paying for their reporting services could fax, mail or email in a fraudulent account. I demanded to see verifiable proof ( original consumer contract with my signature ) for the accounts listed below. I also let them know that I have been hindered in obtaining credit because of these inaccurate fraudulent accounts and under the FCRA, unverifiable accounts must be removed. Accounts to be removed immediately. XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX. They have not complied with the law or furnished any documentation with my signature as proof that these items belong to me. Delete this negative information from my consumer report. Your ( Equifax ) Response which has been document by myself as well as the CFPB was please be advised that an investigation with the furnisher of the information has been initiated. On XX/XX/XXXX I sent in a complaint and you were suppose to due an investigation. 30 days have passed and you ( Equifax ) have not furnished any written proof that the items in fact belong to me. That means that you willingly keep negative fraudulent information on my consumer report without any proof whatsoever. Now your claiming to start another investigation. By law the furnisher had 30 days to get you ( Equifax ) the information you needed and you havent furnished any proof whatsoever. I want those negative fraudulent items removed immediately.
Product: Mortgage

I have an FHA loan, and we are suffering hardship including unemployment due to the Coronavirus pandemic. I have made several requests to Flagstar for a forbearance, including sending them a hardship letter, but they denied my request for a forbearance because my mortgage was already in default. This is a violation of Section 4022 ( b ) ( 1 ) of the CARES Act which expressly states that the forbearance shall be granted regardless of delinquency status. 

Specifically, in XXXX 2020, I requested a forbearance from Flagstar. They sent me a letter dated XX/XX/2020 acknowledging my request, and asking that send a letter and provide supporting documentation ( which is a separate violation of Section 4022 ( c ) ( 1 ) of the CARES Act. I sent them a hardship letter explaining that I can not leave the house due to XXXX which make me especially vulnerable to the coronavirus, and that my husband is unemployed as a result of the virus. 

On XX/XX/2020, a Flagstar representative informed me by telephone that my forbearance request was denied because the loan was referred to foreclosure. This denial is a direct violation of Section ( b ) ( 1 ) of the CARES Act which expressly states the forbearance shall be granted regardless of delinquency status. 

On XXXX XXXX, 2020, I sent a letter to Flagstars attorney, that Flagstar had violated the Cares Act by filing a motion for final judgment of foreclosure in violation of the CARES Act moratorium. I also pointed out that Flagstars failure to grant my request for a forbearance violated the CARES Act. Although the attorney vacated the final judgment, she did not respond regarding the forbearance issue. 

On XXXX XXXX, 2020, I spoke with my designated point of contact at Flagstar, XXXX XXXX XXXX. I again asked for a forbearance. She again stated, erroneously, that I am not eligible for a forbearance because my loan is past due, and was already sent to foreclosure. This is a blatant violation of Section 4022 ( b ) ( 1 ) of the CARES Act.
Product: Mortgage

VA mortgage loan was put in forebearance  on XX/XX/XXXXXXXX  under the CARES Act. Received letter in XXXX that payment was late, contacted Freedom Mortgage and was told it was an error and that it would not be reported to credit agencies as late, but " paid as agreed ''. 

On XXXX XXXX, XXXX, I checked my credit reports due to the alert received about lowered credit score and Freedom Mortgage reported as late payment to all three credit reporting agencies dropping my credit score by 80 points. This is clear violation of CARES Act. I called mortgage company and was told they made a mistake and they would start a credit investigation on it. This however, will not make my credit score as high as it was before the mistake was made. They also reported late payment in XX/XX/XXXX, in error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I send this complaint to inform you that this is the several time I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any account not later than 4 business days after the XX/XX/XXXX. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance {$2400.00} This letter is to notify you if you do not BLOCK OR REMOVE the listed account on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance.
Product: Checking or savings account

On XX/XX/XXXX, I received a letter from Chase XXXX XXXX XXXX XXXX, OH XXXX. This letter advised me that due to recent activity, they restricted my account. I was asked to call XXXX to see if they can address the issue. I called and was told my account was compromised. On XX/XX/XXXX I received another letter confirming that I did not open another account in my name and referred my account to the fraud team for review. On XX/XX/XXXX my account was removed from the web site. My debit card was terminated. I called Chase once again and they kept me on hold and eventually the line was disconnected. I called again and they refused to give me information regarding an investigation. On XX/XX/XXXX I received another letter from Chase indicating that I must call Chase about my online account access. They indicated that they locked my online account access to protect me. I was told call XXXX to unlock access. When I called, they told me that I must go to a local office. I went Chase XXXX branch and was told that my funds from my old account would be mailed to me in 5-7 business days. After two weeks I had not received my funds. I called Chase at XXXX XXXX and was told that my funds were suspended until the Team completes their investigation. I am a XXXX XXXXXXXX XXXXXXXX XXXX XXXX and was unabe to receive my XXXX XXXX XXXX XXXX XXXX coming home for XXXX XXXX. I am very angry.