23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Bank of America put my account in closing on XX/XX/XXXX. I was told account will be closed on or before XX/XX/XXXX. I got a mail on XX/XX/XXXX that the account was closed. I called on XX/XX/XXXX and the representative said that the account was closed and that i will recieve a check in 5 days. XX/XX/XXXX I called and ask about my check a manager told me that the account was not closed, so I told her a few days ago the representative said the account was closed and that I should receive a check she then told me that the account will be closed on the XXXX. On the XXXXXXXX XXXX XXXXXXXX I called again spoke with a manager she then told me that the account will be closed on the XXXXXXXX XXXX XXXXXXXX. I called back on the XXXXXXXX XXXX XXXXXXXX and then the agent is saying the account is still not closed because of pending Claims. My account was not closed due to pending claims. My accounts according to Bank Of America was closed due to a check deposit and that they had concluded their investigation and my account was closed. 

Account Number : XXXXXXXX Business Checking
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments XXXX XXXX # XXXX I've attached a copy of my report to this complaint on the following dates XX/XX/2019 and XX/XX/2019 fm now requesting you investigate this account and update these payments to paid on time immediately. I had forbearance and covid 19 no late payments should of been reported Thank you for your understanding and prompt action
Product: Mortgage

We have been waiting over 5 months for PHH Mortgage XXXX Ocwen Loan Servicing XXXX, to provide to our County Clerk a " Satisfaction of Mortgage '' that should have been filed by Litton Loan Company ( Bought by Ocwen ) when we re-financed in XXXX. That was 16 years ago and now we can not sell our house. Litton never filed the satisfaction in XXXX and now PHH/Owen/XXXX are saying they need to file an " Assignment of Mortgage '', that was more than a month ago. I have had numerous emails and phone call starting XX/XX/XXXX, and to date they will not tell us who a " Third Party '' is and they will not tell us what they need from this third party. Every XXXX weeks they call to say the same thing, but no new information. The Escalation Department at PHH will not speak directly to customers, we can only go through a supervisor who says he was told only to email them every 2 weeks, if they have an update they will tell the supervisor. Our hands are tied with the County Clerk, only the mortgage company can file the Satisfaction of Mortgage and PHH has taken 22 weeks and has done NOTHING!
Product: Mortgage

The lender, servicer, trustee is violating my homeowner bill of rights and dual tracking my home. 


I applied for Pandemic Forbearance Plan online at www.mrcooper.com on XX/XX/XXXX and was Immediately approved for XXXX XXXX XXXX. 

I have also submitted a Mortgage Assistance Application and as of this writing it is listed as received and deemed complete and is now in underwriting phase. 

I checked the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The lender, Servicer and Trustee are dual tracking my home and violating laws.
Product: Debt collection

I get called at least twice a day, every day, Monday through Friday. When I ask what this is in reference to They keep saying " is this XXXX '' and do not answer my question.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and I noticed some account/s on my consumer report that should not be on there the name is XXXX XXXX XXXXXXXX XXXX The reporting of these account is in violations of 15 USC 1681a, The Fair Credit Reporting Act.So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
I am complaining in regard to the above-referenced account/s and transactions. This vehicle was purchased at XXXX XXXX XXXX Date XX/XX/year>. 
I have recently come across inform from the Federal trade Commission ( FTC ) more specifically the GrammLeachBliley Act. XXXX XXXX XXXX did not disclose this information to me that is required by federal law.XXXXXXXX XXXX XXXXXXXXknowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and non-affiliated third parties.XXXX XXXX XXXXXXXXknowingly and willfully withheld information that explained how I the consumer can exercise that nondisclosure option.You are in violations of several federal laws you have 10 calendar days from the receipt of this letter to delete this account from all credit reporting agencies that you have furnished this information to along with all my Consumer reports that this information is on.Should you decide to discriminate against me for future business and or product because I exercised my rights under this or any chapter I will be coming after you for damages and I will use the contents of this correspondence as proof of such decision.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting Act XXXX and XXXX  XXXX : 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 oral or written instructions.

15 U.S.C. 1666b A. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Credit reporting

I had requested a free credit report. I was unable to receive the report at the time of the request. I believe this may have been due to a lock on my wife 's credit, but I can not be sure. I only know that I received a message indicating a problem and that I needed to call. I was not able to call for several weeks, at which time I was informed that the report I had requested was expired and would have to wait a year to receive another XXXX. Unfortunately, I had requested a separate report from each agency and found the same result. I still have not received a report from any of the agencies and can not receive a free XXXX for a year.
Product: Mortgage

NewRez is engaged in breaking my full payment of {$1300.00} extractimg from that payment {$30000.00} so as to exacerbated the fruad they created of excessive delaying payments creating fines.
Product: Credit reporting or other personal consumer reports

I paid the balance off to CKS Prime Investment collection agency in XX/XX/2021. It still reflects on my credit report as an XXXX collections account on my credit reports. I reached out to CKS several times to request them to reflect the account as CLOSED or DELETE it. CKS refuses to update and correct my credit file. Which makes it look like I have an open recurring balance.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show correct payment history. Update the account/s below : XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is closed but still showing Collection/Charge-off as a payments status and {$710.00} past due plus account remark as " Account seriously past due/account assigned to attorney, collection agency, or credit grantor 's internal collection department. ''
Product: Debt collection

Dear THE BUREAUS INC I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this.

Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

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

Reporting bureau did not investigate with in the standards outlined thru CFPB and FTC. Bureau didnt give accurate reports on how they investigated and or deleted the error.
Product: Credit reporting or other personal consumer reports

Transunion is in violation of FCRA 15 U.S.C. 1693a ( 2 ). transunion is reporting unauthorized inquires in on my credit report
Product: Credit reporting or other personal consumer reports

These accounts /inquiries listed below were unauthorized on my credit report and I am a victim of identity theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I personally did not take out this loan. The number attached with this amount of money taken out does not match with my phone number. The texts I am getting are towards an XXXX. This loan was getting paid and it stopped getting paid but the company never had my actual account, had to be from someone else that falsified my XXXX and my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Item reporting is not my item
Product: Credit reporting or other personal consumer reports

I did not authorize the following accounts to be opened these accounts are on my credit report and they come from fraud and data breaches I have been notified of several data breaches from XXXX transunion and XXXX! I am looking to move out of state soon and these fraud accounts are preventing me from moving on in life! I HAVE FILED IDENTITY THEFT REPORTS ON THE FOLLOWING FRAUD ACCOUNTS XXXX XXXX XXXXXXXX Reported : XXXXXXXX XXXX XXXX  {$390.00} XXXX XXXX XXXX XXXXXXXX errorNeeds attention {$12000.00} XXXX XXXX XXXX errorNeeds attention {$2100.00} XXXX XXXX XXXX error30-59 days late {$4500.00} XXXX XXXXXXXX Last reported XX/XX/year> {$6100.00} XXXXXXXX XXXX Last reported XX/XX/year> {$4900.00} XXXX XXXX {$6100.00} XXXX XXXX {$5300.00} XXXX XXXX  {$14000.00} XXXX XXXXXXXX {$1800.00} XXXX XXXX {$590.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an active extended feud alert and the inquiries keep appearing on my file. Please remove immediately as I've locked my file Experian : XXXX XX/XX/19 XXXX/XXXX  XXXX XX/XX/19 XXXX XXXX XX/XX/19 XXXX XXXX XXXX  XXXX  XX/XX/19 XXXX XX/XX/19
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : {$4600.00} XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX XXXX XXXX Balance XXXX {$4400.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX Balance : {$0.00} XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX Inquired on XX/XX/2022 XXXX Inquired on XX/XX/2022 XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX  Inquired on XX/XX/2022 XXXX XXXX Inquired on XX/XX/2022 XXXX Inquired on XX/XX/2022 XXXX XXXX Inquired on XX/XX/2022 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance wit the fair credit reporting act XXXX XXXX XXXX account number XXXX, XXXX XXXX  Account XXXX XXXX ; XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXy Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX ; XXXX XXXX XXXX  Account XXXX XXXX ; XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX ; XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX ; XXXXXXXX XXXX Account # XXXX ; XXXX XXXX XXXX  Account XXXX XXXX ; XXXXXXXX XXXX XXXXC Account # XXXX ; XXXX XXXX XXXX Account XXXX XXXX ; XXXX XXXX XXXX Account # XXXX ; 15 USC 1681 Section 602A States I have right to privacy. 

15 USC 1681 Section 604A Section 2 also stats a consumer reporting agency can not furnish an action without my written instruction. ;
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # FTC and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX CT GA XXXX Public Record REF # XXXX .... 
The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 

XXXX XXXX CT GA XXXX Public Record REF # XXXX .... 
The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | XXXX XXXX CT GA XXXX Public Record REF # XXXX .... 
The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report US XXXX CT GA XXXX Public Record REF # XXXX .... 
The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report US XXXX CT GA XXXX Public Record REF # XXXX ....
Product: Checking or savings account

They knew my address, email last of my sos and now bank account info XX/XX/2021 attempt to withdrawn from my XXXX XXXX  and bank
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding XXXX for their failure to provide a written agreement regarding an alleged debt. On XX/XX/year>, I requested from XXXX a copy of the written agreement that they claim I signed, which would validate this debt. To date, they have not provided the requested documentation. 

This lack of response is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), which entitles consumers to receive validation and verification of alleged debts. The companys failure to produce the necessary documents has caused confusion and concern, as I am unable to verify the legitimacy of this debt. 

I kindly request your assistance in ensuring that XXXX complies with the FCRA and provides me with the requested written agreement or removes this unverified debt from their records. 

XXXX Account XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was discharged with chapter XXXX bankruptcy docket # XXXX in XX/XX/XXXX. Experian, XXXX, XXXX are all reporting the wrong dates ( XX/XX/XXXX ), BK should be removed off my credit report, only reports for 10 years, discharged XX/XX/XXXX. Told Experian to verify there information but never responded back, I also took the liberty to call the court house and they verified with me that it should be off of my credit report. Please delete off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never gave Trans union XXXX, XXXX, authorization to obtain or distribute any of my information, there for this is fraudulent there are not part off the government and have cost me opportunities for a better life job.If I never gave you constent how can these companies distribute information about me that is not fact checked, and put closed accounts on the report with updated monies owed, and lying about researching the issues.either my they stop reporting and remedy the situation and pay me for pain an damages, or I will be forced to file a lawsuit against everyone of these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a call to Transunion about unauthorized credit inquiries on my account. After speaking with Customer Service Rep, XXXX XXXX and then being transferred to Customer Service Supervisor, XXXX XXXX, I was told that there was nothing that they could do on their end without having a Letter of Dispute or Termination on Contract from the listed companies. When reaching out to the various companies they were unauthorized to run a credit check on my behalf, I was more or less told by 2 of the 5 company customer service reps that " Hard Inquiries '' fall off in 2 years and I am approaching that 2 year mark. Of course they worded it in better terms but nonetheless, this is disgraceful hearing from a company as they do not want to own up to their misuse of people 's information and as a result, the only solution that they offer is to " wait it out '' since the 2-year dismissal is approaching. These credit inquiries are affecting my Transunion and FICO scores now but these companies bank off of bad debt and do not want to remove them. The companies are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Ran unauthorized inquiry on XX/XX/2016 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Ran unauthorized inquiry on XX/XX/2016 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Ran unauthorized inquiry on XX/XX/2016 XXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX Ran unauthorized inquiry on XX/XX/2016 XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX Ran unauthorized inquiry on XX/XX/2016
Product: Credit reporting or other personal consumer reports

My credit was nearly perfect for 14 years-no late pymts. US Bank has received payments and did not process when received. I have dealt with 2 late payments hitting my credit file. The ONLY LATE payments in 14 years. The payments were made. They were not posted in a timely manner. Further, we apply extra money toward the principal of the loan. The company does not apply our additional funds toward principal. IT HAS BEEN A BIG MESS! We have our bank account records to prove we made timely payments.

FURTHER, there has been NO late notices, NO mailed notices prior to this company putting not one but two 30 day back to back notices on my reports. Do NOT finance anything through US bank!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number:XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXXXXXX Account Number:XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am reaching out to inform you that upon receiving my credit report, I noticed several errors that require immediate attention. It appears that you have reported incorrect personal identifiers in my file, which poses a significant risk to my identity if not rectified promptly. I am disappointed that this has occurred, and I kindly request that you take the necessary steps to remove all inaccuracies from your records without any delay. Additionally, I ask that you eliminate any employers and phone numbers associated with my credit report. I do not authorize you to retain or report any information that consists of unverified claims about me, potentially outdated or inaccurate. I want to emphasize the importance of using only correct and up-to-date information about me. As per my understanding, you have a 30-day window to complete this update, and I urge you to ensure the accuracy of all information in my credit report within this timeframe. 

Listed below are the Personal Information that are being challenged : Incorrect Current Address : - XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect DOB : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employer - XXXX XXXX XXXX XXXX Incorrect Previous Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employer XXXX XXXX XXXX XXXX XXXX