23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

AmeriSave Mortgage Corporation advised the following, " Records indicate a mortgage application was initiated on XX/XX/year>2024 by the consumer via the online application portal. The research has confirmed on XX/XX/year>, at XXXX XXXX  that the application was initiated by IP Address XXXX. 

Under ECOA, a lender who has denied credit must notify the applicant of the denial within 30 days. This notification must be : - in person. - in writing. I received a 'Statement of Credit Denial, Termination or Change ' dated XXXX, XXXX, 2024 which indicated 'Insufficient Credit Files ' as reason for denial. Clearly outside the time frame for denial notification and subject to litigation for such blatant disregard for procedural requirements specified by law. This procedure MUST be corrected.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft which I discovered around XX/XX/. I have notified all consumer reporting agencies with a FTC Identity theft report which listed all the accounts added to my report without my knowledge. Some of the items were removed and some were not. The situation has caused my own banking privileges to be dramatically downgraded and created a storm of financial complications, unknown collection accounts and debt which is now attached to my name. The consumer reporting agencies are not exactly helping and I am unsure where to turn. I was told that it can take another 30 days for the creditors to respond to my disputed accounts on top of the previous 60 days which is unacceptable and even uncertain. I am completely blinded by the situation and unsure how to remedy the problem. Please help.
Product: Credit reporting

My husband and I filed for bankruptcy in XXXX and was discharged in XXXX. In our bankruptcy was an account with XXXX. Recently, Old National Bank bought out XXXX and acquired all of their accounts. We checked our credit in XXXX of XXXX and there was no claim on our report for Old National Bank. We checked our credit report again in XXXX XXXX and Old National Bank was reporting on our credit as a bankruptcy discharge. By them doing this, it has dropped our credit score by XXXX points. We have never had an account with Old National Bank and were already penalized XXXX by XXXX XXXX back in XXXX for this account. We are being penalized again by Old National Bank for an account we never had and that is over XXXX years old.
Product: Debt collection

I trust this letter finds you well. I am writing to bring to your attention a critical matter regarding my credit report obtained from your bureau. Upon reviewing the report, I discovered fraudulent accounts, particularly XXXX XXXX XXXXXXXX, inaccurately associated with my name and Social Security number. I believe I am a victim of identity theft, and I am taking immediate action to address this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter requesting verification of alleged collections accounts that were being reported on my consumer reports and was being reported by XXXX XXXX, and Experian. I sent another request for debt verification and investigation on XX/XX/2021 and again on XX/XX/2021. I have NEVER received a response from either company informing me of the outcome of their investigations. 

I am now requesting a DEMAND TO COMPLY AND DELETE ALL ACCOUNTS AND INACCURATE INFORMATION LISTED ON THE ATTACHED PDF.
Product: Credit card

I did not open a Capital One credit card and I have no knowledge of anything about it. I also did not apply for any of the soft inquiries or hard except for XXXX XXXX. I can't remember when I contacted Capital One as my daughter did it for me. I am XXXX XXXX XXXX and don't use credit cards. If I don't have the cash, I don't purchase anything!
Product: Credit reporting or other personal consumer reports

I filed for bankruptcy on XX/XX/year>, with the United States Bankruptcy Court for the XXXX XXXX XXXX XXXX, Case # XXXX. The bankruptcy report was not obtained from the courts, as their website states they do not report to credit agencies. Therefore, it is not possible for them to have provided that information.
Product: Mortgage

The homeowner is dead. We have been trying to start a short sale with Bank of America for the past two weeks. There is a court-appointed executor and all authorization documents have been sent in, including death certificate, court documents appointing administrator, probate docs, and copy of the will. ( See attached authorization package submitted XX/XX/18 ) It is NOT a Trustee that is attempting the purchase the property it is a Court-Appointed Executor whom does not reside in the State of California ( where the property is located ) and does not have the legal right to assume the loan nor purchase the property. It is in Probate. 

Today we were told that Bank of America is required by Federal Law to FORCE COURT APPOINTED EXECUTOR TO TRY TO ASSUME THE LOAN. 

This is in fact ILLEGAL and NOT a Federal or State Law. 

The rep I spoke to, XXXX XXXX in Bank of Americas Assumption Dept, sent us the attached Mortgage Application and stated Bank of America has had this requirement to force the court appointed executor to attempt to assume the loan for the past four years. 

The Mortgage Loan Application makes it sound like it is Federal law that has forced Bank of America to make it a requirement for the court appointed executor to be forced to attempt to assume the loan, which is not only not incorrect, but the court will not allow the executor to assume the loan. 

Furthermore, it looks like XXXX is requiring the court appointed executor to fill out these documents with substantial personal information for the sole purpose of committing identity theft ( the executor does not live in the State of California and as we have stated, does not have the authority to become the borrower and owner of this property ). 

We request that the attempted questionable act of forcing an out-of-state executor in a probate that can not legal take possession of the property be waived. 


CC : XXXX XXXX, California Attorney General
Product: Credit card or prepaid card

i opened an account with XXXX back inXX/XX/XXXX. my card was compromised and XXXX  $ in transactions were made. I filed a dispute with us money card who states their customers money is FDIC insured. I filed the dispute in XX/XX/XXXX. now everytime I call, I am told my 60 days is up, but their dispute department has not updated. every time I call, I end up talking to same rep, who tells me they will email the dispute department, and this has been said to me since 2 weeks ago!!!! I brought that up to there so called manager who said, it is a small call center. which is bs. I know this company is fraud, and they aren't following their own policies and procedures! DO NOT OPEN AN ACCOUNT WITH XXXX XXXX XXXX ( CHECK INTO CASH )
Product: Debt collection

I am writing to you with a matter of utmost urgency and concern regarding fraudulent accounts that have stained my credit report. Despite previous disputes and attempts to rectify this issue, these fraudulent entries persist, adversely affecting my creditworthiness and, consequently, my ability to provide a better opportunity for my family. 
XXXX XXXX XXXX PLEASE DELETE!!! 
XXXX XXXX XXXX PLEASE DELETE!!! 
XXXX XXXX  XXXX DELETE!!! 
It is disheartening to see the continued presence of these fraudulent accounts on my credit report, considering the significant efforts I have made to prove their illegitimacy. I understand that the Fair Credit Reporting Act ( FCRA ) mandates the accuracy and fairness of credit reporting, and I am confident that your bureau will take immediate action to address this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see unverified account listed below is still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Please see below the account that is still showing on my report. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is a company of XXXX and XXXX XXXX  up my credit score. I have told them many many many times to stop sending bad debt to their credit vendors. I purchased an item mistakenly through their XXXX XXXX Synchrony Card, I asked them to transfer it to my regular credit card, I contacted them. They claimed they were going to do it but did not. Finally, they sent the garbage debt to XXXX XXXX. XXXX refunded my amount for troublesome purchase but did not tell Synchrony to refund my purchase. What Kind of a sellor Store vendor refunds, but does not notify their credit card? Then I try opening a login account with Sychrony many many times. I had trouble with logins and passwords, additionally i did not receive an account statement. After many problems, I received bad debt for an issue I got a refund on???? XXXX  sent it to all credit bureaus, XXXX, XXXX, XXXX. XXXX even sent me a letter acknowledging bad debt and refund, but did not tell Synchrony. I said if you send bad junk and libel and slander, you clean it up. On top of this, they were laughing at my XXXX last name, they are very XXXX, what kind of a company laughs at the name of immigrants? If they do not contact the three credit bureaus, XXXX, XXXX, and XXXX and cancel my debt with Sychrony I will contact Civil Rights Commission and think  about next step on how mortgage is denied. Frauders and liars.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$9000.00} New Late Open : XXXX XXXX XXXX Balance Owed : {$23000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a XXXX XXXX customer for approximately ten years. Around XX/XX/XXXX, after moving from XXXX  XXXX, TX to XXXX, TX, I decided to purchase a XXXX tablet for my grandson, who was only 4 years old at the time. I purchased the tablet from a XXXX XXXX located in XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX, TX XXXX, because, as we passed the kiosk, my grandson saw the tablet and asked for it. The young salesman helped me purchase the kiosk and set it up. At the time, I paid around {$250.00} for the tablet. 

In XX/XX/XXXX, I received a bill from XXXX that included a $ XXXX charge for setting up and activating a cell phone number I did not recognize. After speaking with XXXX customer service, I was told the charge was for the cell number assigned to the tablet. I told them it was not my intent to purchase a second cell number for a XXXX-year-old. The representative told me to go back to the kiosk and tell them to correct the mistake, which I did. When the salesman 's manager called XXXX on my behalf in my presence, the XXXX representative, he talked to told him they would cancel the cell number assigned to the table and correct my billing. 

XXXX XXXX repeatedly refused to correct the tablet cell number 's activation charges over the next two months, which had never been used since I did not know it existed. Finally, since my 2-year agreement with XXXX XXXX expired in XX/XX/XXXX, I changed my XXXX carrier to XXXX XXXX in XX/XX/XXXX while still disputing the new cell number 's activation charges XXXX XXXX. XXXX was unable to resolve the matter with XXXX to take advantage of a {$250.00} XXXX account transfer credit. 

I discovered in XXXX that not only had XXXX XXXX reported a collection account with the three major credit bureaus, but the company also reported that they charged an unpaid bill for {$650.00}. I contacted the credit bureaus and disputed the reporting. I was told an investigation would be initiated, but the derogatory item is still on my credit reports. I hired a credit repair service to help me fight the matter in XXXX and XXXX refused to correct the erroneous credit reporting despite repeated demands for proof of debt. 

To this date, this matter remains unresolved. The matter had not been resolved to this date. The credit bureaus are not reporting this as a disputed account. I was repeatedly referred back to XXXX XXXX regarding the matter since they were reporting the charge off as valid and correct. 

I reviewed my XXXX XXXX XXXX report on XX/XX/XXXX, XXXX. I discovered that XXXX XXXX assigned my account to XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, MN, XXXX, who began reporting the disputed unverified and contested debt as a new charge-off on XX/XX/XXXX. I also learned my credit score had declined by over 40 points that day.

I consider this a violation of the Fair Credit Reporting Act. I feel no  choice but to request a formal inquiry into XXXX XXXX 'XXXX   violations of this consumer protection law.
Product: Credit reporting or other personal consumer reports

I contacted Experian, they told me they would fix it so i could get my apartment finally, i thought they had fixed it but it turns out they didnt, ive been constantly trying to contact them through emails, phone calls and even through the other bureaus and still nothing, im getting tired of how hard it is to just fix my credit just to be able to live normally but instead i could become homeless because they decided to disregard me and not help me. ive called at least XXXX times now and emailed them XXXX and have had no luck reaching out.
Product: Checking or savings account

On XX/XX/XXXX, I canceled my car insurance after a car accident that occurred on XX/XX/XXXX. Subsequently, Chase bank continued to charge my account for three months, with unauthorized transactions on XX/XX/02 ( {$70.00} ), XX/XX/02 ( {$70.00} ), and XX/XX/02 ( {$69.00} ), totaling {$200.00}. I opened three claims with Chase on XX/XX/XXXX, providing evidence such as a police report and text conversations with the insurance company, proving the cancellation. Despite this, Chase denied all claims on XX/XX/XXXX, stating that the transactions were " authorized. '' During the phone inquiry, Chase claims department agent indicated that my information " matched up '' with the transactions, leading to their denial. I believe this process is unreasonable and unacceptable. I am seeking assistance to resolve this issue and recover the wrongfully charged funds. Chase must acknowledge their error and take appropriate action to rectify the situation.
Product: Debt collection

XXXX XXXX needs to be shut down- they illegally just slap on debt under my social security number illegally - I do not have a contract with them - nothing signed have no clue who this synchrony bank is other than XXXX! so they sell our address social sec numbers bank accounts to XXXX or a hoax company! show me the giovernment legality they can do this! Otherwise let s bringXX/XX/XXXX here so we can take care of these crooks ruining the credit of the middle class! 
Get them off my credit unless they show a contract that I signed with them. XXXX Close these companies down now!
Product: Credit reporting, credit repair services, or other personal consumer reports

The Coronavirus Aid, Relief, and Economic Security ( CARES ) Act has forbearance and credit reporting requirements that allows late payments to be removed from your credit report if you were impacted. The following company ( company name and account number ) shows late payments on my account and we have resolved the issue by settlements.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day, my ongoing issues is with Equifax. Their reporting accounts on my credit report that aren't mine. After pointing this out to them, they claimed to have verified it, but they refused to send me copies, prove, of the investigation. 

Since they've claimed to have physical proof that the accounts belong to me, than I demand copies of the investigation, that are within my rights as a consumer. 

Credit bureaus are supposed to report 100 % accuracy, on consumers credit report. Their still not taking me or my issues serious. This situation is stressful enough, and it's unfair that I am being punished for their failure to report accurate information.
Product: Debt collection

XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX FOCUS FINANCIAL SERVIC XXXX and XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious FOCUS FINANCIAL SERVIC XXXX and XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request a method of verification ( MOV ) regarding the items disputed in my initial complaint filed with the Consumer Financial Protection Bureau ( CFPB ), specifically those that you responded to as " verified '' in your investigation.

Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ), I am requesting that you conduct a reinvestigation of the disputed items as you are required by law to either : 1. **Provide me with the name and contact information of the entity or individual who provided the information you used to verify these items** ; 2. **Delete any items that can not be verified through proper documentation as required under the FCRA. ** Please understand that if the sources you used to verify these items can not be clearly identified and contacted, you are legally obligated to remove the information from my credit report. If the original sources are no longer available, or if they can not provide sufficient evidence of the information reported, the disputed items must be deleted from my credit report in accordance with FCRA regulations. 

For clarity, the disputed items that require reinvestigation are the same items identified in the original CFPB complaint. I have enclosed the relevant information for your reference, including a copy of my initial CFPB complaint and the items in question. 

Please respond to this request within the time frame established by the FCRA ( 30 days from the receipt of this letter ), and provide me with either verification or confirmation of the deletion of these disputed items. Should these items remain unverifiable or inaccurately reported, I will consider further actions under my rights through the FCRA. 

Thank you for your prompt attention to this matter. I look forward to your timely response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, INCOMPLETE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING OF INFORMATION I BELIEVE IS DUE TO IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT TO BE.I HAVE NOT AUTHORIZED MISUSE OF MY PERSONAL, FINANCIAL, OR ANY INFORMATION.I HAVE NEVER TO MY RECOLLECTION RECEIVED ANY BENEFITS OF PRODUCT, SERVICES, OR OTHERWISE REAL OR IMAGINED DUE TO THE AFOREMENTIONED CAUSATIVE POSSIBILITIES OF MISINFORMATION. PLEASE PHYSICALLY VERIFY THE VALIDITY OF ANY AND ALL NOTATIONS, EVERY DATE, THE BALANCES AND CALCULATIONS, EACH ACCOUNTING RECORD, WHETHER REPORTED OR NOT TO INCLUDE REQUIRED METRO2 426-CHARACTER P6 STATEMENT,5 PART PERSONAL IDENTIFIERS, AND ALL ALPHA, NUMERIC, AND/OR ALPHANUMERIC SOURCE CODES AND DELETE/ BLOCK PERMANENTLY THE REPORTING OF ANYI UNDERSTAND THAT NO ENTITY IS AUTHORIZED TO RETAIN REPORT TRANSFER SELL USE OR ELSEWISE ANY PHYSICALLY UNCONFIRMED DATA AND IVE NOT AUTHORIZED MISUSE OF MY PERSONAL, FINANCIAL, OR ANY INFORMATION.IT CANT BE PROVEN IVE EVER RECEIVED ANY BENEFITS OF PRODUCT, SERVICES, OR OTHERWISE REAL OR IMAGINED DUE TO THE AFOREMENTIONED POSSIBILITIES OF MISREPORTING OR MISINFORMATION. PLEASE PHYSICALLY CERTIFY THE VALIDITY OF ANY AND ALL NOTATIONS, EVERY DATE, BALANCES, CALCULATIONS, AUDITS, AND EACH ACCOUNTING RECORD, WHETHER REPORTED OR NOT TO INCLUDE REQUIRED METRO2 426-CHARACTER P6 STATEMENT,5 PART PERSONAL  IDENTIFIERS, AND ALL ALPHA, NUMERIC, AND/OR ALPHANUMERIC SOURCE CODES AND DELETE/ BLOCK PERMANENTLY
Product: Credit reporting or other personal consumer reports

I am writing to formally request that the following accounts and inquiries be blocked and deleted from my credit file. I am a victim of a data breach, and these fraudulent items do not belong to me. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent information resulting from identity theft blocked from my credit report. 
Fraudulent Accounts : XXXX - XXXX - XXXX - {$00.00} XXXX - XXXX - XXXX - {$1200.00} XXXX - XXXX  - XXXX - {$1700.00} XXXX - XXXX - XXXX - {$410.00} Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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