23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I had a loan with Bank of America back in XX/XX/XXXX for my primary residence located at XXXX XXXX XXXX XXXX XXXX. XXXX, MD XXXX. I applied for a modification, made the trial payments and was approved for a modification, which was never executed, no payments were made and I defaulted. The loan was then transferred to XXXX XXXX  XXXX. I applied for another modification and was granted. My house was put up for sale in XXXX of XXXX, I have a contract and was supposed to go to Settlement on XX/XX/XXXX, but Bank of America sent XXXX a partial claim for XXXX saying I got the 1st modification. Since XX/XX/XXXX I have been going around and around with Bank of America, XXXX trying to get someone to release the XXXX partial claim that I do not owe. I need a release or something stating the XXXX partial claim is null & void. The modification back in XXXX was never executed and defaulted. Someone got paid on that loan with title or coinsurance, but I never got the modification. BOA transferred my loan to XXXX XXXX XXXX following the default. 

I filed a complaint with US National Banks back in XXXX complaining about Bank of America never giving me the modification in XX/XX/XXXX. I also filed a complaint with Federal Reserve XX/XX/XXXX, US National Banks against BOA. I missed my settlement for the sale of my house last Thursday XX/XX/XXXX and it is rescheduled for this Thursday XX/XX/XXXX. If I do not have that release, my buyer is walking. Please get this information in front of a supervisor or someone that can send XXXX so this can be taken care of ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently filed a complaint with the CFPB informing them that the credit reporting agencies are reporting inaccurate information. Within that complaint I mentioned that XXXX XXXX XXXX XXXX and XXXX XXXX XXXX were reporting a couple of late payments for the months that I paid on time. I should not have any late payments with either company. I requested for the companies to be contacted and made aware of these errors so that they can correct and update the payment history. Somehow, in the midst of doing so, these accounts were deleted form my credit reports. I specifically typed in my complaint " please do not delete these accounts ''. By these accounts being deleted, my credit score dropped, and the length of my credit history has shortened. I have be unable to obtain new credit. Reading is fundamental, and due to the someone's mistake, I would like for XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX begin furnishing information onto my credit report again, as long as they fix the errors. Here are the corrections that need to be made. XXXX XXXX XXXX XXXX. I have written this creditor and have not received a response. XXXX of XXXX *Shows 30 days late, but I paid on time. XXXX of XXXX * Shows 30 days late, but I paid on time. This creditor is also reporting two months of unknown payment history for months that I paid on time ; XXXX of XXXX *Shows unknown, but I paid on time. XXXX of XXXX *Shows unknown, but I paid on time. Please have the creditor correct the payment history of as soon as possible. Lastly, XXXX XXXX XXXXXXXX XXXX reporting a late payment for XX/XX/XXXX. I made this payment! The payment status for this account reflects " Paid, was past due 30 days '', please change this to " Paid Satisfactorily '' Thank you so much for your help with this, and please make sure I receive a copy of my consumer report upon completion.
Product: Credit reporting or other personal consumer reports

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me. Please see attached.
Product: Credit reporting or other personal consumer reports

After checking my credit report and trying to remove inaccurate information I discovered that the following two accounts XXXX XXXX child support and self inc have been both violation my rights by furnishing inaccurate and unfair information. They have been reporting the following address for over three years after I reached out to update numerous of time. XXXX XXXX and XXXX both have been working cooperatively with these companies to ensure the inaccurate information remains on my credit report. After numerous attempt to update or get the information removed there has been nothing done to remedy the situation and Im afraid according to numerous of laws from UCC USC AND FCRA this will serve proof as I have reached out and filed numerous disputes. My correct address is on file with credit bureaus and if theres any proof that I stated that I lived in the address listed then Id like to see proof.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Notification : Unauthorized Credit Reporting Compliance Required with Ohio FCRA Identity Theft Fraud Laws Dear NAVY FEDERAL CR UNION, I am writing to urgently address a concerning issue regarding the unauthorized reporting of information to my credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ), particularly Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as Ohio FCRA identity theft fraud laws. 

It has come to my immediate attention that NAVY FEDERAL CR UNION has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. The FCRA and Ohio FCRA identity theft fraud laws unequivocally stipulate that consumer consent is mandatory for such reporting activities under Section 1681b ( a ) ( 2 ) and relevant Ohio statutes. 

Furthermore, Ohio FCRA identity theft fraud laws explicitly emphasize the severity of unauthorized access and misuse of personal information, underscoring the legal obligation to obtain explicit consent. 

I want to assert unequivocally that I have not provided consent for NAVY FEDERAL CR UNION to report any information to my credit report. This egregious lack of consent constitutes a blatant violation of my rights, potentially causing significant damage to my creditworthiness and demonstrating a disregard for federal and state laws. 

Therefore, I demand, with utmost urgency, that NAVY FEDERAL CR UNION immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by the FCRA and Ohio FCRA identity theft fraud laws. Failure to comply within the stipulated 30-day timeframe will be deemed as willful noncompliance, subject to penalties under applicable laws, including Ohio FCRA identity theft fraud laws. 

It is imperative to understand that obtaining consent is not discretionary but a legal obligation under the FCRA and Ohio FCRA identity theft fraud laws. This is not negotiable ; it is a demand for strict compliance with both federal and state regulations, aimed at protecting consumers like myself from unauthorized and damaging credit reporting practices. 

I expect your immediate attention to this matter and urge NAVY FEDERAL CR UNION to promptly rectify these serious violations, respecting my rights under federal and state laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter to TransUnion notifying them that my consumer rights were being violated. I requested method of verifications for disputed accounts. I requested full reports of how accounts were validated, verified, and how they were in compliance with the FCRA. I did not receive the required information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 11th 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX has reported a deference plan that has strongly impacted my credit scored. I understand that by the Cares Act during the pandemic, companies should not say this type of issue, so the credit score did not impact during this particular period where all companies and families have been negatively impacted. 
I contacted XXXX XXXXXXXX XXXX and they explain that they did report that Im participating in the forbearance plan, but it a late payment. Im making this claim to the Credit Bureaus because this is not supposed to impeach my credit score. 

This negative impact on my credit score has also impacted my application for an auto lease bank application, as the credit scores have decreased by almost 50 points. 

Please help me solve this. 

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

I am working on applying for a mortgage. The lender is unable to pull my credit report from XXXX and Equifax. The lender is however able to pull my credit report from XXXX. I have worked extensively with both XXXX and Equifax to verify all of my information is correct, ensure there are not holds or freezes, yet the lender is still unable to pull my credit. I have verified all the information my lender has is correct. Neither XXXX nor Equifax have made any effort to help me resolve this problem but it is clearly something wrong with their system.
Product: Credit reporting or other personal consumer reports

In XXXX, the XXXX data breach exposed the personal information of XXXX XXXX individuals, including mine. Since then, I have been a victim of identity theft, resulting in fraudulent accounts and unauthorized transactions appearing on my credit reports across multiple bureaus, including XXXX, XXXX, TransUnion, XXXX, XXXX, and others. 

Despite placing fraud alerts on my credit files and repeatedly disputing inaccuracies, the fraudulent activity has severely impacted my XXXX score and overall financial stability. The long-term effects of the breach have caused significant financial and emotional distress. Furthermore, the XXXX settlement did not provide adequate support or resolution to address the damage caused. 

In addition, I have previously submitted complaints about this issue under the following case numbers : XXXX ( Filed on XX/XX/XXXX ) XXXX ( Filed on XX/XX/XXXX ) I am requesting the removal of all fraudulent and inaccurate information from my credit reports, restoration of my XXXX score, and assurances that appropriate safeguards are in place to prevent future occurrences.
Product: Debt collection

FINAL NOTICE TO CEASE AND DESIST COLLECTING ON BP CORPORATE M/C AND XXXX XXXX ACCOUNTS, FOR THEY BOTH INCLUDED BANKRUPTCY AND SO IS HUNTER-WARFIELD, SEE ATTACHED. 

THERE IS AN ACTIVE AUTOMATIC STAY IN PLACE AND IS VIOLATING THE DODD-FRANK ACT ALONG STATE AND FEDERAL COLLECTION CALLS TO MY CELL NO OVER XXXX TIMES AFTER ORDER. 

XXXX COUNTS OF FDCPA AND FCRA INFRACTIONS.
Product: Credit reporting or other personal consumer reports

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to XXXX XXXX 


I demand the late payment to be updated. 


They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


XXXX XXXX XXXX XXXX XXXX XXXX Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX XXXX XXXX XXXX  of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section XXXX XXXX XXXX XXXX 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

12 accounts are showing paid, closed. This is inaccurate. I believe this is double reporting as I have an active consolidated account with a balance totaling {$21000.00} the same amount the 12 accounts inaccurately is being reported.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to propery 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, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. XXXX XXXX  is on my report twice still so they could not have been properly investigated as well as midland I do not believe was investigated properly.Nor do I believe my XXXX account was investigated properly.
Product: Mortgage

Violation of the California Homeowner Bills of Rights : PennyMac violated automatic stay rule while modification in process ( Notice of default XXXX/XXXX/15 ) Notice of Sale ( XXXX/XXXX/15 ) for an auction date of XXXX/XXXX/15. During this time period, my loan was under modification review and I was told that the foreclosure was suspended. After being rejected, I submitted the paperwork for a second review within the 30 day time period. I never received status on the results of the review. I was told by one PennyMac individual it usually takes a " long time '' and then by another individual that I need to " re-submit an entire new modification package ''. 

Not assigned XXXX person throughout process ( talked with XXXX people and received different status and direction from each ) they said they were part of a team however all were unfamiliar with my loan status or able to give me proper direction. 

No access to decision makers ( and their Supervisor ) only through voice mail in which the messages were never returned. Furthermore, I never received status of XXXX-look. representatives from PennyMac were never able to reach the decision makers because they were always in " meetings '', " on the phone '' or " unavailable ''. 

Delay of entering documentation into system : The documentation would be sent through a fax cover sheet provided. They would say that it takes 48 to 72 hours to receive into the system. In the meantime, it is eating away at the 90 day time period because of the delay. I was required to proactively call as all documentation would not move to the next person unless you contacted them. 
Knowledge of California State law : When I received the Notice of Default, they were unable to discuss the time-line with me because they were " not familiar with California Law ''
Product: Debt collection

I received a bill today XXXX XXXX regarding a bill of XXXX XXXX and XXXX XXXX dollars for a hospital bill. The bill was apparently on XX/XX/XXXX from a non profit hospital, that billed my insurance, and after I filled financial medical assistance paper. I didnt receive any bills afterwords, and looking at the Online billing with a balance or XXXX dollars.
Product: Credit reporting or other personal consumer reports

XXXX you have committed a crime of fraud with your fake client from XXXX XXXX XXXX XXXX XXXX fake SSN XXXX and XXXX. 

THE CFPB MUST FINE XXXX 

PLEASE CONFIRM AS YOUR EMPLOYEE XXXX STATED XX/XX/XXXX AT XXXX SPOKE 25 MINUTES SHE CALLED ME FROM XXXX XXXX PLEASE REVIEW THE PHONE CALL BEFORE YOU LIE AND SAY THIS IS A DUPLICATE. 

SHE SAID WE SENT YOU A SATISFACTORY OF MORTGAGE XX/XX/XXXX? 


CFPB- PLEASE INVESTIGATE AS XXXX WILL ALWAYS LIE
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XXXX XXXX, I requested XXXX to send {$100.00} to my friend using Capital One credit card. Capital One charged {$10.00} cash advance fee for the transaction. 

On XX/XX/2021, I paid off the credit balance for the total amount of {$190.00} ( {$110.00} + other purchases using Capital One card ) because I did not like to way Capital One dictates credit card users on how to use their cards. I was going to close the account. 

On XX/XX/2021, I received an email from XXXX saying that Capital One never funded the transaction. There was no money transferred between Capital One credit card and XXXX ( but Capital One charged me {$110.00} anyway ). 

On XX/XX/XXXX, I wrote to Capital One to ask for a refund of {$110.00} that I over paid them. 

On XX/XX/XXXX, I received a letter from Capital One saying that they can not process the refund because I don't have a credit balance.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate and unauthorized reporting of my account ( XXXX ) on my credit report. Under multiple federal statutes, including the XXXX XXXX ( 15 U.S.C. 6801 & 6802 ), the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), and the Identity Theft and Fraud Enforcement Act ( 18 U.S.C. 1028A ), you are legally obligated to protect my personal and financial information and ensure that my data is not misused, shared, or reported unlawfully.

Violations of Federal Laws 1. 15 U.S.C. 6801 & 6802 ( XXXX XXXX ) o You are required to safeguard my nonpublic personal information ( NPI ) and ensure that it is not shared or misused without my explicit consent. 
o Any reporting of my financial information without my consent constitutes a violation of federal privacy standards. 
2. 15 U.S.C. 1681b ( 2 ) ( Fair Credit Reporting Act Permissible Purpose Requirement ) o You must have my direct written consent to access or report my credit information.

o If you obtained or shared my information without this consent, you are in violation of this statute.

3. 18 U.S.C. 1028A ( Aggravated Identity Theft ) o Reporting or using my personal financial information without legal authorization may be considered identity theft under federal law, punishable by criminal penalties.

4. 15 U.S.C. 1681q ( Obtaining Information Under False Pretenses ) o If my information was accessed, reported, or used without my knowledge or under false pretenses, this is a direct violation and may result in legal liability.

5. 15 U.S.C. 1681n ( Civil Liability for Willful Noncompliance ) o Willfully reporting false, misleading, or inaccurate information subjects you to civil liability, including damages, attorney fees, and punitive damages.

6. 15 U.S.C. 1681c-2 ( Blocking Information Resulting from Identity Theft ) o I demand the immediate blocking and deletion of any fraudulent or inaccurate information on my credit report, as required by law.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

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

XX/XX/2022 I reached out to flagstar bank with a written sworn affidavit requesting for them to validate the amount owed they continue to provide outdated and erroneous documents. they are reporting to XXXX XXXX a different amount and continue to report derogatory and slandering information to third parties without my consent and put my name on public list without a resolution. transition reports {$8900.00} and total balance {$170000.00}. This company has breached there fiduciary duty while illegally attempting to collect a invalidated debt. causing harm to me physically mentally spiritually and financially. No resolution I am ready to go to court with trial and jury.
Product: Credit reporting or other personal consumer reports

Despite my three prior demands, the unverified items below still tarnish my credit report, blatantly violating Federal Law. In their so-called responses to my dispute letters, they claimed these items were verified but couldn't even produce the documents used for this so-called verification, despite my clear request.

Their failure to provide these documents proves they can't and didn't verify any of the disputed accounts as they falsely claimed. Their refusal to delete the disputed accounts after three written demands shows a blatant disregard for Federal Law.