23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I just looked at my consumer reports and noticed a collection on an account that is not mind. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly says. 

I have never had this account and did not provide written consent to report the account : BK OF AMER : [ XXXX ] & [ XXXX ] Please investigate and provide proof with statements showing that this collection is mine and proof that I authorized the reporting of this information. If proof can not be provided I demand these collection accounts be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate complaint, I'm sending this complaint because of fraud activity on my report. Please note, that I'm not using any third party for this matter, I represent myself by myself. 
I pulled my report and discovered there several hard inquires that are result of fraud. These items are not a XXXX XXXX but fraud items. 
It is my sworn statement that, I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 
I have filed FTC report for this matter and I have included to this package. 
the INQUIRIES that are the result of the same type fraudulent activities. I must be noted that I did not apply for credit accounts with the below listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve these accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries. 

Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. 

It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have also attached a copy of my DL, SSN, and proof of address.
Product: Checking or savings account

I opened a checking and savings account with Chase on XX/XX/XXXX. I had fraud on my chase accounts back in XXXX and they had to close my accounts. 

I opened my accounts on XX/XX/XXXX and was assured everything will be fine and my account will not close. 

A week later i get a letter from Chase saying theyre closing my account and cant give me a reason why theyre closing it. I did make a deposit of {$50000.00} when i opened my account since i was putting my money in a new account. Dont know if that would be the reason why. 

Then i get a letter from chase today XX/XX/XXXX to call and confirm i opened the account so they can keep it active so now Im confused.
Product: Mortgage

I have been trying to complete a short sale. I am 16 months behind in my mortgage payments and can not continue to pay the mortgage. The bank keeps evaluating me and approving a loan modification because they say my credit score is over XXXX. The reason it is still over XXXX is because they are purposefully failing to log derogatory information on my credit report to keep my score inflated so they can tell the investor I qualify for loan retention. I wonder how many other non performing loans are in this similar situation.
Product: Credit reporting or other personal consumer reports

YOUR COMPLAINT To Whom It May Concern : This is my second time writing you to update my personal information. 15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX Please delete XXXX XXXX XXXX  XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX the following names listed 2. My ONLY Address : XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Please delete all other addresses such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. Delete any and all other phone numbers. I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. Please send an updated credit report once the changes are complete to my contact information listed. My contact information is as follows : Name : XXXX XXXX My ONLY Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit card or prepaid card

I had ordered online XXXX sofas from XXXX 's using my Synchrony Bank Credit Card in XX/XX/XXXX. Did not receive the merchandise on promised date of XX/XX/XXXX. Called and cancelled the purchase with XXXX 's in XX/XX/XXXX, closed the Synchrony Bank Account in XX/XX/XXXX. 
XXXX 's force tried to deliver the sofas in XXXX. I refused the delivery because of change of circumstances. 
XXXX 's ran a {$690.00} return charge on the Synchrony Card for cancellation, and Synchrony Bank allowed the charge to go through on a previously closed account. 
So now, I am being asked to pay {$690.00} for merchandise that I did not receive. Synchrony Bank does not respond to my messages. Please help.
Product: Credit reporting or other personal consumer reports

I am extremely upset and disheartened with the blatant mistake from your company. This all started when one of your representatives accidentally charged me for double my minimum payment. I immediately caught the mistake and I called in. The Barclays representative told me that I have to wait until it posts and then I have to ask my bank to return payment. She assured me many times that this is normal procedure and the only way to correct her mistake. I then did what she said and I had my bank return the payment. I then paid the minimum payment. This incident snowballed, and resulted in a chain of mishaps from Barclays representatives from there. Every time I would call them to fix it I would get a different answer. Every time I spoke with someone they said they were sorry and they would fix the problem and then didnt. The next thing I know I had a missed payment reported to the credit bureau. I have worked so hard in the last 15 years to keep my credit score up and to not miss a single payment. I have had a 100 % payment history for the last decade and now I have a missed payment and 99 % payment history. This is devastating to me and this is not something I deserve especially as a long-term client who has always made my payments on time. 

Since this incident, I have put my card back on repeat payments to make sure this does not happen again, but I believe it is owed to me to have this red mark on my credit removed.
Product: Bank account or service

DETAILED INFORMATION IS DOCUMENTED IN THE CHRONOLOGICAL TIME LINE OF EVENTS. 
I am writing this statement to lay out facts and circumstances surrounding the UNAUTHORIZED/FRAUDULENT withdrawal of funds from my personal accounts at U. S. Bank, by XXXX XXXX ( caretaker ). I filed the first claim in XX/XX/XXXX. US Bank approved and paid the claim in the amount of {$1300.00}. I was told to go through all Bank statements going back to when XXXX had moved in in XX/XX/XXXX. I had to order some of them through the fraud department. 
I discovered unauthorized/fraudulent withdrawals from my personal accounts in the amount of {$36000.00}, which began in XX/XX/XXXX. I filed the police report and claim with US Bank. The US Bank branch in XXXX XXXX faxed the claim to the fraud department. I called numerous times about claim and received no response. I finally talked to a man named XXXX in the fraud department who stated he was a supervisor. He said the claim had been approved on XX/XX/XXXX and the funds would be back in my account XX/XX/XXXX. He then told me that if there was more fraudulent/unauthorized actions on my account to fax them to him so that they also could be paid. He then gave me his fax # XXXX. The money was not deposited in the account XX/XX/XXXX. I then called the fraud department again a few days later and asked for XXXX. They said there was nobody by that name that worked there. I was then told that they had never received the claim. I went back to the branch and had them resend it. It was turned over to XXXX in the fraud department. She denied the whole claim on XX/XX/XXXX. How can they pay one part of a claim and deny the other under the same circumstances?
Product: Credit reporting or other personal consumer reports

Subject : Follow-Up Dispute Unauthorized Credit Inquiries Dear TransUnion Dispute Department , I am following up on my previous dispute regarding the following unauthorized inquiries on my credit report. These inquiries were made without my knowledge or consent and violate the Fair Credit Reporting Act ( FCRA ). Additionally, I have filed an identity theft report with the FTC to further substantiate my claim. 

Disputed Inquiries XXXX. XXXX Reported on XX/XX/year> XXXX. XXXX XXXX Reported on XX/XX/year> XXXX. XXXX XXXX  XXXX Reported on XX/XX/year> XXXX. XXXX XXXX Reported on XX/XX/year> New Evidence Provided To support my dispute, I have included the following : 1. FTC Identity Theft Report : Report Number XXXX. 
2. Copy of my identification documents ( drivers license, Social Security card, and proof of address ).

Under FCRA 1681b, a permissible purpose is required for any credit inquiry to appear on my report. As these inquiries were made without my authorization or permissible purpose, they must be removed immediately.

Requested Actions 1. Remove the Unauthorized Inquiries : Delete all listed inquiries from my credit report, as they were made without permissible purpose.

2. Provide Documentation of Permissible Purpose : If TransUnion claims these inquiries are valid, provide documented evidence showing permissible purpose or my explicit authorization. 

Your Responsibility Under FCRA Under FCRA 1681c-2, you are required to block information resulting from identity theft once provided with an FTC Identity Theft Report. Additionally, FCRA 1681i ( a ) requires TransUnion to reinvestigate disputed information within 30 days. If these inquiries can not be verified, they must be removed.

Failure to remove these inquiries may result in further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or pursuing legal remedies for damages caused by this violation.

Supporting Documentation Attached 1. FTC Identity Theft Report Report Number XXXX XXXX. Copy of my identification documents : Drivers License Social Security Card Proof of Address I look forward to your prompt response and confirmation of resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Credit Karma deceived me about being pre-approved for credit cards
Product: Mortgage

We had what was supposed to be a fixed 30-yr. FHA loan. However, XXXX Mortgage has consistently raised our monthly payments - most recently from {$1200.00} per month raised to {$1500.00} per month. They claimed that this was due to them not collecting enough from us for our escrow. I see that most recently, part of that is for a " PMI/FHA Ins. Distribution. " Raising a mortgage payment {$300.00} per month is too much to handle and not reasonable.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I did a transaction online which is {$1400.00} to deposit on my cousin bank account which is XXXX XXXX XXXXXXXX XXXX ( XXXX ). The money never get to my bank account. The transaction reference # XXXX. I included a copy of the transaction. I called them and file a claim they ignore it. They keep telling me it is under investigation. I contacted my bank which is wells to file a dispute they told me MoneyGram denied the dispute. When I called MoneyGram back they told me they are already issued a refund to the bank. When I called the bank they said no refund issue. I need to recover my money. I include a bank statements showing money never deposit on the receiver bank account.Please, I am looking forward to hearing from you.
Product: Credit reporting or other personal consumer reports

While looking at my credit reports, I noticed the following account had a discrepancy in the " payment history '' section of the auto loan from capital XXXX auto financing Account ending in XXXX This charged off account is reporting payment history each month last a late payment, when it should not since the account has been charged off, This is falsely manipulating the statute of limitations which is a FCRA violation. Because of this apparent neglect in assuring everything in my report is accurate, consistent and updated
Product: Debt collection

NRS has continued to attempt to collect a debt from me thats not mines, I never established a contract with NRS and they are stalling in removing the negative reporting items from my credit reports and they are in complete violation of the FCRA law and my name is being slandered. The are also violating the stature of limitation law in which the debt is not collectable. Account numbers # XXXX # XXXX # XXXX # XXXX, and # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

x n accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

A house I purchased on XX/XX/XXXX used a downpayment assistance grant subsidized by the Florida Housing Corporation. The Promissory note states that the Grant, amounting to {$15000.00} is to be forgiven in increments of 20 % on the anniversary of the signing so that on the 5th anniversary the debt is 100 % forgiven. Until the grant is forgiven, it stands as a second lien on the title. If the property is sold or the 1rst loan is abolished for any reason before this 5 year period, the remaining balance must be paid in full upon the 1st liens abolishment. On XX/XX/XXXX, I requested for a refinance of the property along with a payoff statement from the loan handler Mid America Mortgage. They claimed that the second mortgage did not exist. I then proceeded to call the Florida housing corporation ( FHC. ) to see if they still held the debt. It turns out that the loan was originated by XXXX XXXX, but FHC. never assigned the lien to a collector. Upon the realization that they forgot, on XX/XX/XXXX of XXXX an " Assignment of deed of trust '' was issued by FHC to XXXX XXXX. The following day, XX/XX/XXXX XXXX XXXX reassigned the trust to Mid America Mortgage ( MaM. Finally, on XX/XX/XXXX, MaM recognized they owned the trust of the second lien, however they refused to release a payoff statement stating they did not have the proper paperwork and that it was in their special loans department. I called again on XX/XX/XXXX at XXXX XXXX  EST where a customer service representative guaranteed the issue had been resolved and that the payoff would be released that day of the following. No Pay off was released in the next 36 hours so on XX/XX/XXXX at XXXX I called again. I requested a supervisor who once again told me that they didn't have the proper paperwork on the trust and couldn't release the payoff. Now I've paid for an appraisal that's expired because these guys cant process their loans correctly. There is no foreseeable end in sight, they keep denying that the paperwork even though they acknowledge public record shows the lien is in their trust. 

What am I to do and do they owe me a new appraisal for going past the 30-day limit? I can I get out from under this house?
Product: Credit reporting, credit repair services, or other personal consumer reports

US Dept Of EDUCATION loan service has reported and provided inaccurate information to the credit bureaus XXXX, TransUnion, and XXXX for the last 5 to 6 years and ive reached out to get the information updated and it has been updated incorrectly. the accounts haven't been updated since XX/XX/XXXX. By law after chance given to update credit reports correctly. If not the consumer has the right to have the items deleted. at this time i demand that the US Dept Of Education Student Loans delete those accounts immediately. and in fact, I've been affected by this for years and I deserve compensation for the way my file has been falsely reported. for every year was reported I had no knowledge of until learning about this earlier this year and wanted to take the appropriate steps in making sure I did my part to fulfill the obligation. BUT when I compared all reports they were ALL WRONG. SO I deserve fair compensation in this act of incorrect reporting and for the number of years it has been reported on my account, also for the chance given to correct the items that were wrong.
Product: Mortgage

I attempted to purchase a home XX/XX/XXXX. During the approval process the lender discover that ClearSprings was reporting that I had an " open '' loan with them form XX/XX/XXXX. They at some point had bought the XXXX loan that I had on my home. I had never even heard of ClearsSprings the enitre time I owned that home. The property in this case is located at XXXX XXXX XXXX, XXXX, CA XXXX. The house was foreclosed on in XX/XX/XXXX and the company that owned the loan a that time was not ClearSprings according to all the paperwork that I had. I subsequently filed bankruptcy in XX/XX/XXXX and had this loan included in the discharged. The discharge paperwork was provided to the owner of the loan - the loan company that was sending me collection notices on the loan. I never heard another thing about this loan ever from any company. Now all of the sudden ClearSprings still claims that I have an open loan with them when apparently they sold the loan to some other company. I contacted ClearSprings to discuss this and asked them to remove the " open '' status on this loan. The man to whom I talked to in Customer Service found the loan in question and verified they no longer own the loan. He however refuse to remove the " open '' status until I could prove the loan was paid off. They have no legal basis to require me to provide them with anything regarding a loan that they do not even own. I still to this date have never received any documentation from ClearSprings showing ownership of the this ( no wet signature on anything ), no collection notices and they still have not removed this as an open loan. I am unable to purchase a home with this " open '' loan. I can not find anyone in their organization to help or even discuss it with me. I mailed letters and have verification of the loan being discharged in my bankruptcy buy the company that had been sending me collections notices. I have since come into some information that the collection/loan company that they had sold the loan to and had been sending the notices during my foreclosure and that was served during the bankruptcy was Strategic Recovery - which apparently is some collection company owned by the the same company that owns ClearSprings. All I want is for them to remove this loan from any credit agency and what ever credit board that loan companies view when deciding to approve home loans. I lost a portion of my earnst money when I was denied credit during escrow on a home and I still can not purchase a home because of this.
Product: Mortgage

My mortgage company with out letting me know. Changed my interest, changed the duration of the mortgage, Changed my address ( sent my bills to NJ for years ) I called them up waited for someone to answer a couple of times. Every time they hung up on me after I tell them why Im calling.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  had an account opened in my name fraudulently and even though I tried to explain that this was not me, this was still sent to collections in my name and has affected my credit score. The collections agency has never contacted me regarding this.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I disputed a tradeline from XXXX with Transunion on XX/XX/2020 that came back verified XX/XX/2020 from Transunion. On XX/XX/2020 they received another letter asking for method of verification ( FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). ). Transunion failed to provide this within the 15 day time period. FCRA 611 ( a ) ( 7 ) provides : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 
Since Transunion is now in violation of the FCRA, I am reaching out to your agency to see if we resolve this with the tradeline being deleted due to improper investigation if one even happened at all, Incorrect information reporting and Transunion failure to provide method of verification in a timely manner. If we are unable to resolve this and get the tradeline deleted I will be forced to file a suit against Transunion. 
All supporting documents have been attached