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

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$17000.00}, XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$4900.00}, XXXX XXXX Date Opened : XX/XX/2016 Balance : {$32000.00}, and XXXX XXXX Date Opened : XX/XX/2016 Balance : {$11000.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Debt collection

Bank of America informed me their was debt charged off in 2005 for a Mastercard I never opened. I was informed by the representative it was the primary decision for my recent denial for the Bank of America Cash card with a XXXX FICO score. I am requesting the debt to be cleared from my name and reconsideration for the credit I applied for due to this inconvenience and knowledge being provided to me. I never opened or authorized anyone to used my information to obtain credit in my name in 2005.
Product: Mortgage

I contacted quicken loans to look at my refinance options. They pulled credit. Two weeks  later they called back to do a second look. I specifically told them on the phone I didnt want another hard inquiry credit pull. After I hung up with the representative ( XXXX ) I got an alert that there was a new hard inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following collection is reporting erroneously on my credit report. This is the 3rd attempt to resolve this issue. XXXX XXXX XXXX {$340.00} Open balance. This is also reporting erroneously on a different credit bureau as the debt being owed to XXXX XXXX XXXX. ( Proof of mail delivery as attached. )
Product: Payday loan, title loan, or personal loan

According to NC XXXX XXXX Banks, the original creditor XXXX, is not license to provide loans in the state of North Carolina. Also, the collection agency has violated FCRA through harassing calls, threatening arrest and not able to validate debt with original contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 31 days later I have not received a response yet. I feel like Im being being ignored and taken advantage of. After taking some time to do research on this matter, I concluded that a failure to investigate these items within 30-45 days gives a reason to immediately remove those items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation, due to the XXXX  you caused me.
Product: Debt collection

Account has been charged off/Written off Charge offs continue to post onto my account every month extends the statue of limitations and its misrepresentation.
Product: Mortgage

I refinanced my existing {$400000.00} Home equity Line of credit with Bank of America, which was about to be expired to a new Home equity of line of credit ( New Account # XXXX ) effective date of XXXX/XXXX/2016 at no absolute cost ( XXXX cost for refinancing ), then I found out that, the Bank of America Charged me {$1700.00} for capitalized amounts, which does not meant nothing neither to me nor to the employee 's of Bank of America which I am contacting them. Since then, I called Bank of America more than 15 times, each time they passing me from this dept. 's to another dept. 's, with no results, then finally the line will be disconnected or they telling me that someone will get back to you within 48 hours, which never happened, ( each phone call tooks XXXX 90 minutes ) In addition they put me on trial period for three months to pay {$810.00} monthly, then I was told that, it is better that, I pay the full amount monthly on my existing loan in order to keep my credit clean ( in this case I paid {$540.00} above my requested trial monthly payment ), they said that they will refund ( credited ) this amount to my principal account, which they never did. 
Therefore ; I am demanding {$1700.00} + XXXX = {$2300.00} from Bank of America to be credited to my principal new loan.
Product: Credit reporting or other personal consumer reports

First and foremost, I take my privacy, and the accuracy of information reported on me extremely serious. Ultimately, the responsibility for maintaining accuracy lies with both the consumer and credit reporting agencies as we must work together to ensure no one including myself is affected negatively by inaccuracies. 

I am writing today to express my deep frustration and disappointment with your continued display of incorrect information on my credit file, despite my numerous attempts to correct the issue. This ongoing inaccuracy is cause for serious concerns, and it is imperative that this matter be resolved immediately. As I can not continue to send documents via certified mail that have already been sent several times before. 
My credit file currently lists incorrect names, specifically XXXX XXXX and XXXX XXXX XXXX, which do not correspond to my identity. I have provided ample documentation to confirm this, including seven documents submitted with my Consumer Financial Protection Bureau ( CFPB ) complaint # XXXX. At this point, I insist on an explanation as to why these inaccuracies persist and why the necessary corrections have not been made. Your agency is familiar with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681e ( b ), so I do not need to repeat it here. In your response please provide, under the Fair Credit Reporting Act, the section and U.S. Code indicating Credit Agencies are permitted to include or retain in a consumers credit file information they deem accurate. Furthermore, I explicitly requested that my birth date and the year be excluded from my credit file, yet the year still remains visible. This is another clear indication of the disregard for my requests and privacy. Additionally, in XX/XX/year>, I purchased a vehicle with financing of my choosing at an interest rate that I knew would not be matched. I did not knowingly give consent to share my information with multiple finance companies. As a result, I request the immediate removal of the following entities from my credit report : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX While I understand this XXXX be a common practice at dealerships, it should not be allowed. It is crucial that my credit report accurately reflects my identity and personal information to ensure fair and accurate credit evaluations. With that, I thank you for your time and attention to this matter and look forward to your detailed explanation and swift resolution. 

With regards, XXXX XXXX Please note : The image of my face is redacted for privacy purposes. I do not want my image stored in any of the credit reporting agencies files. The written information on the documents provided is what's relevent.
Product: Credit card or prepaid card

On XX/XX/2020, I used my Chase Sapphire Reserve credit card to purchase a puppy and was charged {$3000.00} by the merchant ( XXXX XXXX ). 

On XX/XX/2020, I executed a contract indicating if the puppy had health issues in the first 12 months resulting in death, that the merchant would refund the purchase. 

The dog experienced issues and passed away within two months and I contacted the merchant via email on XX/XX/2020. They responded in writing on the same day that they were processing a refund for the purchase. 

I awaited a refund on my card, but it was never processed, so I disputed the charge with Chase and forwarded the merchant correspondence evidencing the refund. 

Chase sent me a notice on XX/XX/2020 indicating I was still responsible for the charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

Freedom truck finance Account was opened on XX/XX/XXXX As a joint account with me and my son. Not sure exactly the date it showed as a delinquen account on my credit report, but was Charge off and closed on XX/XX/XXXX. On XX/XX/XXXX freedom truck finance changed account number on loan and posted it back on my credit report showing account past due and delinquent. Submitted dispute with XXXX XXXX on XX/XX/XXXX and report returned as all information was verified as true and accurate.
Product: Checking or savings account

Someone opened a bank of American account in my name and deposited a fake check in it now Im in XXXX system
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX We disagree with the balanced noted on Equifax and XXXX noted as {$38000.00}. The account was open in 2006, we need to see the past 7 year history.
Product: Debt collection

I decided to check credit score and try and get loan or credit card. But instead found this out. I can't get card or loan cause of debt
Product: Checking or savings account

I opened a high-yield savings account with Synchrony Bank XXXX XXXX XXXX XXXX. On XXXX XXXX, XXXX made a {$50000.00} deposit from a XXXX loan into my Synchrony account. On XXXX XXXX, I asked Synchrony if I could transfer {$25000.00} into my XXXX XXXX  checking account. The Synchrony bank representative said yes, I could make a transfer in that amount. So, I made a {$25000.00} transfer to my XXXX XXXX checking account. It seemed to be accepted. But then, on XXXX XXXX, I received an email from Synchrony saying, " This is to notify you that your access to the funds transfer service has been suspended. '' Not only has the funds transfer service been suspended, my entire account has been suspended. I have no access to my money at all. I have called Synchrony Bank several times since. Each time, they tell me the same thing : " Yes, we have suspended/restricted your account... no, we will not tell you why... no, you can not speak to anybody about it... it could take up to 60 days to receive access to your funds again. '' I took out the {$50000.00} loan with XXXX because I obviously need the money. Of course, in hindsight, I should have deposited the loan into XXXX XXXX checking, then transferred the remaining funds into Synchrony. It was an honest mistake, but I should not be penalized for it.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

Since XXXX XXXX, 2017 I started submitting all requirements for Loan Modification to Select Portfolio Servicing Inc, that they are seemingly trying to modify my loan, at the same time, trying to fail my attempt to avail the government Loan Modification benefits and incentives for homeowners like us. The modification department of Select Portfolio Servicing Inc. is working on a modification for us. I complied already with all their requirements. While the modification was pending, I was advised that I needed again to send additional documents within 7 months for the modification to be approved ; they always said that it is still in the underwriter for review. I still kept on sending documents at this point with the hope that they will process my Loan Modifications. I always communicated Select Portfolio Servicing regarding the status of my Loan Modification processing and they kept on denying my Loan Modification request in which means that they are not abiding under the HAMP Program, so we can stay in our home and exercise our rights for Federal Housing Affordable Loan Modification. We are requesting their approval for remedies available by Federal law. I had complied with Select Portfolio Servicing Inc. requirements for Loan Modification processing. We are in the verge of completing all requirements to finalize our Request for Mortgage Assistance ''. Select Portfolio Servicing Inc. have not dealt to me in good faith until this moment.
Product: Credit reporting, credit repair services, 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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX Balance : {$390.00} ; XXXX XXXXXXXX Balance : {$720.00} ; XXXX XXXX Balance : {$580.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 Hello, This my final warning that have explicitly explained to you these items are not accurate and not complete and you have continuously keep reporting them. 

Date of last activity Open Date Closed Date Account Status I wanted to follow up on the results received from you and the other 3 bureaus from my investigation, thank you for getting back with me within 7 days.

I read that the process of the investigation is to reach every individual company to verify the accuracy of information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verify with. I ask you to delete anything that is not 100 percent accurate. I had a lot of inconsistencies between the 3 credit bureaus with these accounts listed below. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have now pointed out the mistakes so these need to be deleted not updated, by updating the terms is an admission of guilt and direct violation of my rights of a fair investigation.I am not sure how you can state it was verified.How is it possible that XXXX, XXXX, Experian all verified the accounts above as accurate , but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to section 611 due to the inconsistencies coming after my original request of investigation. 

At this point, I demand you delete these accounts immediately. Please forward me an updated credit report to my address after you have completed your deletion. 

Thank you,
Product: Mortgage

I currently have a loan with NewRez. On XX/XX/2020, I applied to refinance my mortgage with XXXX.. Over the course of the past six months, I have provided documents within 24 hours of them being requested. When I have repeatedly emailed or called asking why my refinance has not been completed, I don't get a response from NewRez. One time I got through to a person connected to my existing loan and she told me it should have taken 2-3 months. Since that time, I have provided one more paystub and the closing date has been put off several morel times while my new paystub is " pending review. '' Last weekend, I went online to look up reviews on XXXX and I saw that there are many people in my situation getting the same run around.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending information to verify myself with my disputes by means of a Credit Repair Organization ( XX/XX/2018), Experian has failed to respond to the following issues on my credit report. They have violated the FCRA in that it has been more than 30-days. Please see items below ACCOUNTS XXXX XXXX not mine XXXX XXXX XXXX  never late XXXX XXXX never late XXXX XXXX  not mine XXXX XXXX XXXX XXXX XXXX  XXXX  {$580.00} not mine
Product: Student loan

Even though I 've sent the forms in for income-based repayment, and can prove XXXX received because I sent them certified mail, they have claimed they have never received them. I 've also accrued several late fees because I can not get through on their phone system to get a repeesentative. Please help, I ca n't pay almost XXXX a month to them.anymore, I need n income based repayment.
Product: Payday loan, title loan, or personal loan

I noticed on my credit report that I check weekly a hard inquiry was on there from check into cash. This did not make sense to me since I am not new to them. I am a long time customer. And besides, payday loans advertise " no credit check. '' I called and asked why that was on there and the lady said they are now doing something new where every 60 days that do a credit check. I said " that 's going to be alot of hard inquires on my credit report! '' She stated this was new and that since it was considered a loan they could do this. '' My problem is that I was never notified of this " new '' change and that I did not give them permission. If I had n't checked my credit report I would have never known about this. Checking someone 's credit report every 60 days will indeed ruin their credit very quickly. I myself and planning on paying them off very soon and never reborrowing. I can not afford to have my credit ruined to the point where I have to depend on payday loans. I 'm thankful I am rebuilding my credit and am glad I found this out before I have an outrageous amount of hard inquiries on my credit report. They should have disclosed this to customers and they should have gotten my permission.
Product: Credit card

I saw that a big lots credit card and email address were opened using my information and email address
Product: Payday loan, title loan, or personal loan

For the past month, I have been receiving hang up phone calls from this company harrassing me about my payment for my loan. Due to unforeseen circumstances, I have been unable to keep with my payments and have enlisted the assistance of a company called XXXX XXXX XXXX to help me with my account with next loan. I notified next loan and told them that I was working with XXXX XXXX XXXX and was told that my account would be notated and that they would contact XXXX XXXX and not me. I was told by my representative at XXXX XXXX, that if any of my creditors that were on my program with them contact me, to let them know that I was working with them and that any and all correspondence was to go through them. 

This evening I got an email from Next Loan stating that due to my refusal to set up payment arrangements and due to their numerous attempts at trying to contact me ( they have not tried to contact me by phone as the only calls that I receive are from " private numbers '' that I screen and do not answer. They are now " referring collection of my loan to a third party voluntary wage assignment collections agency '' I do NOT give permission for any of my wages to be garnished as I am a caregiver to a XXXX parent and the only breadwinner. I will be contacting XXXX XXXX XXXX to let them know of this, but I want this harassment to cease and decease. I have done my due diligence in letting all of my creditors know that I am working with an outside debt counseling center. This email is very threatening and I do not appreciate the fact that I let nextloan know of my working with XXXX XXXX and they continue to harassing and try to intimidate me. Below is the email that I received : Hello XXXX XXXX, Please be advised that our attempts to contact you by phone, e-mail, and/or other means to make required payment arrangements in satisfaction of your outstanding loan balance have been unsuccessful. As you may recall, you authorized us to perform voluntary wage assignment. This email will serve as formal notice that we are referring collection of your loan to our third-party voluntary wage assignment collections agency. 
If you wish to avoid this form of collection, you may contact us immediately by calling Next Loan at XXXX. Our account representatives are available Mon-Fri XXXX XXXX XXXX ( EST ). 
Finance Dept. 
Next Loan AGAIN, I DID NOT AUTHORIZE THEM TO PERFORM ANY SORT OF VOLUNTARY WAGE ASSIGNMENT!!
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding a potential violation of 15 U.S. Code 1692b by Transunion regarding XXXX XXXX XXXX Acct : XXXX last verified XX/XX/year> According to the Fair Debt Collection Practices Act ( FDCPA ), this statute prohibits debt collectors from communicating with third parties in connection with the collection of any debt, except as provided in the statute, without prior consent of the consumer. 

Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; ( 2 ) not state that such consumer owes any debt ; ( 3 ) not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ;