23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I attempted to find out why Bank of America would not provide me with assignment information about my mortgage loan/promissory note when I asked them for it via a XXXX Qualified Written Request ( QWR ) ; however, they did not provide a sufficient answer about why they did not provide that information. Instead they chose to only mention their XXXX response to a second QWR ; in which they provided me with a false assignment XXXX years late. I believe that their failure to provide me with timely notice to the XXXX XXXX violated RESPA XXXX XXXX XXXX. I also believe that the fact that they had robo-signed a back-dated assignment years after the previous mortgager XXXX Countrywide XXXX, went out of business also violated the XXXX Judgment of the XXXX Mortgage XXXX. I further believe that they should be made accountable not only to me, but also to the States Attorneys, the XXXX XXXX XXXX XXXX XXXX CFPB XXXX, and to the Dept. of XXXX XXXX XXXX XXXX, by whom they are being monitored according to the XXXX Judgment. 
What they did was wrong. They should not have been allowed, nor be allowed, to conduct business this way ; and they definitely should not be allowed to get away with it. 
I would also like to know why their responses ( XXXX and XXXX XXXX, mention that the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, is the current owner of the Note ; however, that not only does n't come up on the XXXX XXXX site, but I have also been given contradictory information that the Note holder is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX This letter is a formal complaint that you have failed to follow reasonable proceeders, in your operations, in your operations to ensure maximum possible accuracy. The first 2 letters I sent included my reinvestigation and demand to comply. I requested verification from my hard inquiries and collections. These items were updated but not deleted. I have the right to an accurate credit report. I will continue to file a complaint to the Federal trade commission, XXXX XXXX XXXX, and the Consumer financial Protection Bureau. 

Code : 110 Claim company will change.

Code ; 110 Claims Company will delete.

Code112 Claims inaccurate information. Did not provide specific dispute.

Code 704 : ATTN : Fraud dept ; item blocked per valid copy of police report.

Code 014 : Claims paid before collection status.

Code 015 : credit limit/High amount incorrect.

Code 0104 : consumer claims account takeover, fraudulent charges made on account.

Code 0105 : disputes the date of last payment/ opened first delinquency/billing/closed. 

On XXXX, XXXX I requested an investigation because I felt the items were not reported correctly or legally. I am concerned about the validity and accuracy of the recent investigation. Please send me the following information used to verify the validity of the following account ; Hard Inquiries : XXXX XXXX XXXX, XX/XX/ -XXXX XXXX XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Collections : -XXXX XXXX XXXX XXXX $ opened XX/XX/XXXXreported XXXX Closed Accounts -XXXX XXXX XXXX -XXXX XXXX XXXX XXXX XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -XXXX XXXX XXXX XXXX -XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has not updated my accounts from a Charge-OFF. I have XXXX accounts XXXX. XXXX XXXX and XXXX XXXX which were sold to collection companies. Both of the accounts have been settled. I uploaded the documentation -settlement letters and resolution letters for both accounts. Since the collections companies do not orsubscribe to Experian. Experian will not update the accounts. 
I uploaded the letters resolution and settlement letters on XX/XX/XXXX for XXXX XXXX and XX/XX/XXXX for XXXX XXXX. Within XXXX hours Experian closed the dispute without contacting the current creditors on the accounts. This laziness from Experian is hurting my credit as I am applying for financing. Experian states they can not update the new updated information unless the collection agencies subscribe to Experian. I am going in cirlces. The collection agenices have confirmed that the accounts have been settled.
Product: Credit reporting or other personal consumer reports

I explained in my letter I have no record of doing business with any accounts mentioned below under Laws under the FRCA Laws 605b Identity and 609A1 E2 Validation and Disclosure, 623 A1 Responsibilities of the furnisher of information. Please delete the following accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of the data breach in XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX for XXXX  and I am very concern about the privacy of my information has been compromised and it is all over in the dark web, accounts had been open in my name. I was told to file a complaint, police report and FTC ID theft report which are attached. 
I'm requesting these information to be block from my credit report a in accordance with the FCRA .Please romove all none account holding inquiries in the last two years.
Product: Credit reporting or other personal consumer reports

The following inquiries are a result of fraud and should be deleted according to 15 U.S.C. 1681 b ( c ). I have no knowledge of the following inquiries, nor have I ever given permission whether verbally or physically for the following companies to access my credit report. I have also never attained accounts with the inquiries which are listed. These entities do not have permissible purpose to pull my credit, and they are fraudulent as I have been a victim of identity theft before. 
Please remove the following inquiries Immediately as my rights have been violated. REMOVE THE FOLLOWING : 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 I am also well aware of my rights under **15 U.S.C. 1681n** and **15 U.S.C. 1681o**, which detail the civil liabilities for negligent and willful non-compliance with the FCRA . If I do not see these inquiries permanently removed within 30 days of receipt of this letter, I will take legal action against your company and any third party involved for each individual violation. The statute allows for compensation of actual damages, attorney fees, and punitive damages. I will not hesitate to escalate this matter further if my rights continue to be violated.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed multiple addresses that never belonged to me the addresses are XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX and XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I will like these addresses removed from my credit report immediately. Supporting Documentation To further validate this request, I have enclosed a copy of my identity theft report and multiple forms of identification to verify my Identity
Product: Bank account or service

I and my sister are beneficiaries of an IRA owned by my father who passed away. I have submitted the proper paperwork to UBS Financial and they acknowledge receipt. They are witholding the funds because they state that they will not make distribution until they have all of the paperwork from the other beneficiary. I do not believe that there is a legal basis for witholding the money due me but they have been giving me the runaround. Of course this costs me money while they hold onto it as long as they can get away with it. They are a big organization and shuffle me around to anonymous people so I hope that you can help me break through to them.
Product: Debt collection

I am filing a formal complaint against the collection agency for violating my rights under the following laws : 12 CFR 1006.34 ( b ) ( 5 ) Failed to provide the name and mailing information of the original creditor.

12 CFR 1006.34 ( c ) ( 4 ) ( i ) Did not include an itemization date for the alleged debt.

12 CFR 1006.34 ( d ) Did not provide a clear and conspicuous validation notice.

15 USC 1681s-2 ( 7 ) ( A ) Reported inaccurate or unverifiable information to credit bureaus without proper investigation.

I formally dispute owing any debt to the collection agency and revoke all communication via phone, text, or email, requiring all correspondence be conducted in writing via U.S. mail. 

I request full debt validation, including a breakdown of the alleged debt, proof of its enforceability, and a copy of the purchase agreement between the agency and the original creditor. Additionally, I demand proof that the agency is licensed and bonded to collect debts in my state. 

Due to these violations, I urge the CFPB to investigate and hold this agency accountable. I also request the immediate removal of this improperly reported account from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX XXXX XXXX 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: Vehicle loan or lease

Ally Financial is practicing unfair debt collection My car was repossessed today and I have been told different information from 3 associates in regards to my information. I went online to make a payment and it was restricted due to me being " more than three payments past due '' on my account. However, if the account was not locked, I would be able to make a payment today. Also, my account says that I am only past due {$820.00}. That is not 3 months ' worth of payments. Also, when I called, one associate told me that my tow fee was {$120.00} because they used a flatbed. I recorded them on my security camera and it was not a flatbed. I have footage of it. I asked them if I could pay the car off within a few weeks, and they said no. They will not take any payments from me. FYI-The reason that I got behind is because I was XXXX XXXX XXXX XXXX, so I was unable to work like I needed to, but I tried to make as many payments as possible. In addition, my sister and her two sons live with me and she gets absolutely no help from either of their fathers. I tried to discuss a hardship payment opportunity in the past, but was turned down.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I mailed a request to TransUnion LLC, informing them that I had recently been informed that there is a Bankruptcy Chapter XXXX in the file TransUnion maintains under my Social Security Number. Upon ordering a copy of my credit report, I see an entry listing Bankruptcy Chapter # XXXX. 

I contacted the Bankruptcy Court and they stated that they do not report to nor verify information from credit bureaus. 

According to FCRA 623 ( a ) ( 5 ), if the credit bureau can not VALIDATE the information, they must remove said information from the consumer credit file. 

TransUnion notified me that they verified the information and has not removed the information, from my file.
Product: Credit card

Wells Fargo decreased my credit limit from {$7000.00} to {$750.00} and did not inform me of the credit limit decrease by mail, phone, or secure online message center.
Product: Debt collection

showed back on my report again with a XXXX debt again balance was paid on this acct
Product: Credit reporting or other personal consumer reports

I am a victim of IDENTITY THEFT and XXXX XXXX BREACH, and I DEMAND the IMMEDIATE REMOVAL OF XXXX TRUIST INQUIRIES FROM MY XXXX CREDIT REPORT. 
ACCORDING TO FCRA XXXX XXXX B, IT IS ILLEGAL TO REPORT INFORMATION ON MY CREDIT REPORT WITHOUT MY PERMISSION.Please remove this inaccurate information from my XXXX CREDIT REPORT IMMEDIATELY. 

TRUIST AND XXXX ALSO VIOLATED : LAWS 25 USC 68016802 AND 6803 Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

Law 15 USC 6802 states that NON PUBLIC INFORMATION can not be shared by a financial to a THIRD PARTY ENTITY. ( THE CREDIT AGENCIES ) According to FCRA Section 605 B, It is ILLEGAL TO REPORT INFORMATION ON MY CREDIT REPORT WITHOUT MY PERMISSION. Please REMOVE THESE ILLEGAL INQUIRIES FROM XXXX IMMEDIATELY. Thank you!
Product: Debt collection

I have never had XXXX at my residence in my name! XX/XX/XXXX they were running a special on programming for XXXX, so I inquired about signing up. So I am placed on the phone with a XXXX associate that tells me that I have already had XXXX at my current residence and there is an outstanding bill of over {$700.00} from XX/XX/XXXX-XX/XX/XXXX. So I explain to this person that I have never had XXXX, I have never received a bill from XXXX ever .... and also I did not live at this residence during that time. I was told that maybe a previous tenant ordered it in my name, but that XXXX had been installed at my address in XX/XX/XXXX in my name, and I did not occupy this residence during that time and I explained this to the associate, which then tells me that I will have to file fraud charges to avoid responsibility of this debt. This is a scam because this company did not have my personal information until I gave it to them on inquiry day XX/XX/XXXX, more than 10 years after they say someone at my address used my name to obtain XXXX! I have not filed fraud charges because I have no idea who to charge! I have no proof of this bill or said account or name of person pretending to be if that is the case! I feel this is a scam to collect money that I do not owe and refuse to pay because it is not my debt!!!!
Product: Credit card or prepaid card

I had a Deutsche Bank Credit Card No. XXXX way back in XXXX in XXXX, the limit was Rs.XXXX ( XXXX XXXX Rupee  ), I went back to XXXX after 9 years and came to know that Deutsche Bank converted into XXXX XXXX  in XXXX and now XXXX XXXX has made my total credit card bill Rs.XXXX. All the transactions are fraudulent and I also spoke with XXXX XXXX regarding this, he is just making excuses, I also offered him to file a police report, he said no to it. 

I want XXXX XXXX to waive all my Balance and also clear my credit report known as XXXX in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed that XXXX XXXX have placed an inquiry on my XXXX  and Equifax credit file dated XX/XX/2018. When i was aware of this i contacted both Credit Bureaus and was told by the fraud team they cant dispute unauthorized hard inquiry 's. 

As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to your alleged purpose, for doing so since I did not apply for employment with your organization nor did I request credit from your organization. 

Both Equifax and XXXX  report that you pulled a hard inquiry. 


Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC? 1681n ( a ) ( 1 ) ( B )  states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are {$1000.00}, whichever is greater ; '' You are civilly liable to me in the amount of {$1000.00} for your willful violation of the law -- performing a " hard inquiry '' on my Equifax and XXXX   file without my permission. I do hope that we can settle this matter amicably. 

You can remove the inquiry within one ( 1 ) business day of the receipt of this notice. Or, we can meet in court where you will end up removing the inquiry, paying me the civil liability fine, punitive damages for my score drop, plus court and attorney fees.
Product: Mortgage

On XX/XX/XXXX, I purchased a property for {$490000.00}, using lender JMAC Lending Inc. The monthly payment was {$2500.00}. The payment included the principal, interest, PMI, and escrow account. The escrow account included annual property taxes calculated at {$6100.00}. All this information is included in the Closing Statement. I was informed that my loan was sold to XXXX XXXX. I received a letter from XXXX XXXX dated XX/XX/XXXX reporting that there was an escrow shortage of {$2600.00} because of the annual property taxes increasing. The monthly payment would increase to {$3000.00}. I spoke with XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX as well as the Real Estate Agent to address this matter. A mediation letter was sent on XX/XX/XXXX requesting a settlement to address the matter that would affect me in perpetuity. I received a letter from XXXX XXXX dated XX/XX/XXXX that acknowledged that the annual property taxes were calculated incorrectly and should have been calculated at {$8800.00}, not {$6100.00}. The letter also reported that XXXX paid {$3100.00} to cover the escrow shortage for XXXX. XXXX sent a letter dated XX/XX/XXXX, that does not agree to a settlement. Another mediation letter was sent on XX/XX/XXXX reporting the failure to disclose the payment accurately and the hardship. I also explained that I did not accept the {$3100.00} as a settlement. The monthly payment increased to {$2800.00} because of the property taxes being documented incorrectly at closing. I sent a letter to XXXX XXXX on XX/XX/XXXX asking for the PMI to be removed and the escrow account to be removed to assist with reducing the monthly payment. I informed XXXX XXXX that I was still looking into other options to address the matter of the annual property taxes.
Product: Credit reporting or other personal consumer reports

Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 

U S DEPT OF EDXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written XXXX several letters disputing information reporting inaccurately in my credit file and they have NOT done an investigation. If they had, they would see the errors and they should not have sent me a verified as accurate letter. I informed Equifax XXXX XXXX and XXXX as well as XXXX that there are XXXX different dates for last payment. IT HAS NOT BEEN CHANGED OR UPDATED. I informed them of no account number on my Equifax report. IT HAS NOT BEEN CHANGED OR UPDATED. This was not an accurate investigation at all!!!!! XXXX and all the credit bureaus continue to report in accurately damaging my credit. All information must be correct on all of my credit reports according to the FCRA.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ). 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts I have marked as inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Good morning, not sure if I am talking to the right person. I have been trying to get help and advice from several places and no one can give a answer. I purchased a home in XXXX of XXXX  through XXXX mortgage for XXXX which was on a foreclosure. The home was worth at least XXXX if not more at the time. Our loan has been sold so many times and each time the loan sold they added the PMI which I called and asked why I was paying a PMI and they stated that our home was not able to remove the PMI, so I let it go not knowing what was going on. We have recently refinanced our home through our local bank. Which we found out that we should of never paid PMI as our home is worth XXXX. Also our last lender required that our escrow account to have a surplus in the amount of XXXX I thought was odd. That being said our new lender stated that we should be getting the escrow amount back as it is law, they have to send us our money back as we are going into escrow at this time that we had enough equity in our home to take the escrow out. I have just recently received a statement from our previous lender stating our escrow balance was only XXXX at that time I had called the last lender and asked where the money of our escrow surplus had gone, they stated that I needed to pay off the PMI of the remainder of the loan, and that they had to pay my insurance company my premium, which was already paid. As on the phone with them i was going though my escrow payments with the person helping me look through. We found a few problems. My house insurance was paid 2 times in the wrong amount and that they stated they got the bill from my insurance company for that amount. Talked to the insurance company today and they stated they never sent them a bill for that amount nor where they got that number from. this company is taking my money and will not return it to me. I am at a loss and not sure where to go from here nor who to talk to. Can you please help???
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2021 my credit scores dropped from both Equifax and XXXX 17 points with out proper reason. This is a recurring problem due to the algorithms not waiting for the month cycle to complete which always shows that I have XXXX out my balances. 
These egregious errors can cause me to pay higher insurance rates and cost me more money to pay premiums. My credit scores should be well above XXXX across the board.