23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage lender XXXX XXXX had someone drill my locks off my home and place a door lock on there. They damaged my door and basically kicked it in. They claim that I called them on XX/XX/XXXX and asked for them to take over my home. This is a lie! I had a water damage to happen to my home during the winter storm. I filed a claim for the damage and when I tried to speak to my home insurance company XXXX XXXX they told me that they could not discuss my claim on my home in which I paid insurance for out of my escrow, because Rocket Mortgage filed claims on the home and stated my home was in foreclosure. I told them my home is not in foreclosure. Prior to that my home insurance illegally canceled my policy and stated I wasnt covered during the date of the loss. I received letters saying my policy was canceled.My policy was paid for up until XX/XX/24 in which I received my renewal policy. However, XXXX canceled my policy on XX/XX/24 stating I wasnt covered. Therefore saying my damage to my home wasnt covered. I then told them and showed where my house was covered. They apologized and reinstated my policy. However, it should have never been canceled. Now they are telling me I have no say over my home insurance claim because my Mortgage Lender stated in in foreclosure and that is not true. I am delinquent due to COVID 19 forbearance and then not giving me any options to help me seek relief but I am not in foreclosure. Its like they stole my home from me and want the insurance company to pay them ( in which someone showed where a {$15000.00} check was sent to Rocket Mortgage. They are trying to get money off my claim to restore the home so they can fix it up to sale and make profit because I dont see why all this is happening to me. This has caused me severe mental and physical duress. I dont see how a mortgage lender can string arm someones home and the home insurance company allow it to happen without any documentation to support the Mortgage Lenders Claims of foreclosure. I filed a claim with a date of loss on XX/XX/24 and the Lender filed 2 claims on my behalf with a date of loss of XX/XX/24 with out my consent or knowledge.Also while I was in Forbearance they reported me negative to the credit bureaus. This caused me to lose hope in trying to salvage my credit and I became extremely depressed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting a Chapter XXXX bankruptcy on my credit report without authorization from the XXXX XXXX XXXX XXXX XXXX XXXX it myself. I have submitted multiple dispute to them and provided documentation from the courts advising that they do not report bankruptcies to credit agencies. They still refuse to have it removed from my credit even after this documentation has been provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint for the eleventh time to once again for a reason that am still seeing these accounts in my Experian and XXXX credit file. And it was already making me anxious as even how many times I am requesting the Experian and XXXX Credit Bureaus to investigate and rectify the inaccuracies associated with these accounts, they persist in displaying the wrong status. And this blatant disregard for accuracy has unjustly tarnished my credit standing and scores. I have made my decision, and it's high time the Experian and XXXX Credit Bureaus to REMOVE these specified accounts from my credit file : EXPERIAN : 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
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reaching out to Experian, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Experian and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : Personal Information : XXXX XXXX XXXX XXXX WASHINGTON XXXX DC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX Accounts : XXXX XXXXXXXX XXXX  XXXX XXXX Balance : {$9600.00} XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX Balance : $ - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : $ - Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Prepaid card

When I opened the account online I opened a savings as well online. At the time you could use the ATM to withdraw from both accounts. However when I went to withdraw from it it declined it and tell me that action can't be done. I call them and they explain that I have to transfer it to checking and the only way to do that on through there online website. Which I don't have any because my phone is hacked and keeps getting hacked I can't have the app on my phone. So my money is stuck in savings. 

Then I try to make online purchases it declined it I call and they tell me I have to open a virtual card to be able to make online purchases yet they charge my account for online purchases. But I can't use my actual card and I've never opened a virtual card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ever since I was forced to file Bankruptcy in XXXX 2008 I have made all payments on time as agreed and paid off all Credit Card Debt Monthly Balances in Full. All other installment loans such as Mortgage, Auto and other installment loans have all been paid on time as agreed or paid off sooner. I have only applied for and obtained credit as needed. After following all of the purposed recommendations my credit score still remains well below XXXX. My score seems to bounce back and forth in the low to hi XXXX 's. I would not have had to Bankrupt in the first place had our Government been in control of our Mortgage & Banking Lending Practices. The Housing Market would not have come to a complete CRASH had our Government put into place Strict Regulations to prevent Appraisers from preparing false Housing values, Our Government continues to fail to Regulate the Banking Industries Lending Practices and it appears that we are heading right back into another Recession. As for my own personal Credit score. It appears that all three of the Credit Reporting Agencies are creating a false and very Low Unrealistic Credit Score. This has become very obvious based on my credit history since Bankruptcy. I believe they are doing this so that Lenders will not offer me the best credit available and instead these Bureaus are creating the scenario that forces me to pay higher interest rates and fees. Most importantly XXXX Credit Report is what Credit Check Score is basing my Credit Score from. So I ask you again how can I improve my credit score to over XXXX? It is obvious that I pay all of my payments on time, keep all credit cards balance paid off every month and have done everything suggested by Credit Score as well as XXXX. I am frustrated by the constant interference by the Credit Reporting Agencies and their low intentional Credit Scoring that is designed to force me the Consumer from obtaining the best credit available. A copy of this email has also been sent to the US Treasury and the Consumer Financial Protection Bureau for their review as well.
Very Respectfully, XXXX XXXX XXXX XXXX
XXXX XXXX XXXX Veteran
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report I am writing to formally dispute the following inaccurate information on my credit report. The items listed below are incorrect and should be removed immediately in accordance with the Fair Credit Reporting Act ( FCRA ). 

The disputed items are as follows : - Late Payments : 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  : ALDOUS & ASSOCIATES According to the FCRA, the following sections have been violated : 1. **15 U.S.C 1681 Section 602** : This section states that I have the right to privacy. The inclusion of the above-mentioned items on my credit report is a direct violation of my privacy rights.

2. **15 U.S.C 1681 Section 604 ( a ) ( 2 ) ** : This section clearly states that a consumer reporting agency can not furnish an account without my written instructions. I have not provided written instructions for the reporting of these items. 

3. **15 U.S.C 1666b** : Under this section, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. The late payments listed on my report are therefore incorrect and should be removed immediately. 

Thank you for your time and cooperation. 

Sincerely, XXXX XXXX
Product: Bank account or service

I have contacted Chase bank on an unauthorized withdraw from my bank card debit from XXXX XXXX on XXXX/XXXX/2015 for {$240.00} while it was still in-process. It went into full account a day later after telling Chase that it was not authorized. It has now been 9 days and still there is no credit to my account for this item. It clearly is in dispute. I need my funds to pay bills.
Product: Debt collection

CREDENCE RESOURCE MANAGEMENT was paid in full for a debt being reported on my credit report. I was told if the debt was paid in full, I will be provided a pay and delete letter due to the debt negatively being reported on my credit report. 

XXXX violated my consumer rights by attempting to collect a debt I did not have with their company. Due to their scare tactics and them threatening me, I paid this debt with the assumption it will be completely deleted from my credit report. This collection is hurting my credit score and is preventing me from being approved for other credit accounts. I have reached out to this company, and they were very rude and didn't acknowledge the fact this debt was paid in full. 

You have violated the FDCPA 1006.30a and its new rule by parking this alleged debt on my consumer reports. Cease and Desist the reporting of this alleged Debt immediately or I will escalate this matter to taking legal action. 

I have not given you written permission to put anything on my credit profile 15 USC 1681b2. 

You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

I AM A LITIGIOUS CONSUMER I WILL NOT HESITATE TO TAKE LEGAL ACTION AGAINST CREDENCE RESOURCE MANAGEMENT 15 USC 1692c ( c ) Ceasing communication. 

This collection agency threatens people to pay their debt although the original debt is not with them. They also give false hope of a pay and delete, just to get the payment and doesn't follow through with deleting the debt from the credit report. These tactics goes against the FCRA and violates my rights as a consumer, and I want this debt removed.
Product: Credit card or prepaid card

XX/XX/2020 - Call to Capitol One Received final payoff amount for both accounts XXXX and XXXX for account closure. 
XX/XX/2020 Both accounts were paid off using the Capitol One App. 
XX/XX/2020 received statement in mail account not closed. Called Capitol One at XXXX XXXX  and spoke with XXXX. He advised accounts had not been completely closed out but did have XXXX balance besides the membership fees and interest. He assured me that he would take care of the account closure on both accounts. He assured me that all remaining amounts on both accounts would be adjusted off as part of the account closing since it was only membership fees and interest. XXXX proceeded to close both accounts and I received a letter in the mail stating that both accounts had been closed. ( Membership fee : {$79.00} and Interest charges : {$14.00} ) XX/XX/2020 I received both statements again. Account XXXX had a XXXX  balance and all membership fees and interested had been adjusted off just as XXXX had advised in XXXX. Account XXXX still had a balance so I immediately contacted Capitol One again to try to get the account resolved to XXXX balance as XXXX advised would happen. I was advised that they would need to listen to the phone call to review what I was advised during the call and I would hear from someone in 2-3 weeks. 
XX/XX/2020 XXXX Spoke with XXXX a Sr. Account Manager that advised me that I was read assurances during the call on XX/XX/XXXX and there was no agent error. I advised XXXX of the complete conservation again and advised that XXXX advised that all amounts would be adjusted off and if they reviewed the ENTIRE call that information would be heard for both accounts. XXXX would only the assurances were read to me when I closed the account. He refused to file a dispute on the charges since the account was paid off and he refused to review the call from XX/XX/XXXX when I spoke with XXXX. 

I dispute the following charges and any future charges on account XXXX due to the fact I was assured on XX/XX/XXXX that all remaining amounts on the account would be adjusted off as part of the account closing process by Capitol One agent XXXX at XXXX. 

XX/XX/XXXX : Membership fee : {$79.00} XX/XX/XXXX : Interest charges : {$14.00} XX/XX/XXXX : Interest charges : {$12.00} XX/XX/XXXX : Past Due Fee : {$19.00} XX/XX/XXXX : Interest charges : {$1.00} XX/XX/XXXX : Past Due Fee : {$38.00} XX/XX/XXXX : Interest charges : {$1.00}
Product: Credit reporting 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. 


FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX - XX/XX/year> 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, credit repair services, or other personal consumer reports

There is an account, XXXX XXXX XXXX XXXX, being reported to all three credit bureaus under my name and this information is false information. Someone has gotten access to my personal information and has used that information to open this account. This account does not belong to me and needs to be removed from my credit report immediately. The balance on this account effective XX/XX/XXXX is {$150.00} and this account was opened XX/XX/XXXX. I have XXXX XXXX XXXX several times and have gotten no response. I have contacted all three credit bureaus and have gotten no response. 

There is an account error with XXXX XXXX XXXX that is falsely showing on my credit reports. This was never a part of my bankruptcy and was never one of my accounts. The credit bureaus shoe that there is no data. The reason there is no data is because the account is false information. I have contacted XXXX XXXX XXXX several times and have gotten no response. I have also contact all three credit bureaus and have gotten no response. I would like this account removed immediately.
Product: Credit reporting or other personal consumer reports

I demand verifiable evidence bearing my signature/electronic signature. This letter asserts my consumer rights under the Fair Credit Reporting Act, specifically Section 605B ( 15 U.S.C. 1681c-2 ) and Section 604 ( 15 U.S.C. 1681b ). I have contacted the relevant companies and found these actions were initiated without proper validation or original documentation from any of the reporting entities I am writing to formally dispute certain inaccurate and fraudulent information that appears on my credit report. This information was placed on my report as a result of identity theft. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), I request that the fraudulent accounts listed below be blocked from my credit report immediately. 
XXXX Accounts to be Blocked XXXX. XXXX Account XXXX : XXXX Date Opened ( XX/XX/XXXX ) XXXX. XXXX Account Number : XXXX Date Opened ( XX/XX/XXXX ) XXXX. XXXX Account XXXX : XXXX Date Opened ( XX/XX/XXXX ) XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened ( XX/XX/XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a complaint to get this Citibank card account removed as they told me they would do. They are refusing to do that, and now have reported the account as recently charged off in XXXX and it has taken my score from a XXXX down to a XXXX on XXXX due to an error on their end of reporting the account charged off last month. That is completely incorrect and it was charged off starting back in XXXX of XXXX over 3 years ago. They have also stated that I did not try to contact them back in XXXX of XXXX and I have the call recorded from them that I made into their collection department and they stated they would be sending me a physical paper letter detailing the amount they were offering to settle for. They failed to ever do that and instead sold my debt to a collection agency which further dinged my credit. I have paid this account and settled it in return for them agreeing to delete the account. They refuse to do that, and now I am asking that they atleast update the info on my credit report that they have falsely reported. I am in the middle of a mortgage and this is keeping me from being able to buy a home now due to their failure to furnish correct info. The account was not charged off recently nor was I late on any payments in the last 3 years. This needs to be fixed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, these creditors Wells Fargo Cards Services, XXXX XXXX XXXX XXXX, The XXXX XXXX, and XXXX Card have violated my rights. Under 15 USC 1681 section 602, it states that I have the right to privacy. Furthermore, 15 USC 1681 section 604a, section 2, states that a consumer reporting agency can not furnish an account without my written instructions. Lastly, 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open-ended consumer credit plan as late for any purpose.

Please update my credit file in accordance with sections prescribed above. Thank you
Product: Prepaid card

Around XX/XX/XXXX, I applied for California XXXX XXXX. The government issued a prepaid XXXX card for the unemployment benefits to Bank of America. For the year XXXX I received all payments. Yet the years of XXXX I had issues with my account numerous occasions. Which cause a lot of embarrassment and humility of front of guest of Bank of America. I believe do was discriminated upon and not taken seriously about my bank account. On occasion I was denied service more than 5 times knowing I had money in there. They blackballed me for 3 years and I had bank ownership 3 times. I was quite in distress and full of angry because the bank associates didn't believe I can have that amount of money. The times I was dress unprofessional and was stereotyped because they froze my account. I hi went 4 to 7 times arguing with them to close account and they wouldn't, to send me a new card, and to reimburse me. They did not budge. So in XXXX they being payments of XXXX out of XXXX dollars. I was sent a check of XXXX of compensation of financial harm that was done to me. I have statements, receipts, times, and location were the money was spent and who did ach transfers and there associate numbers. The letter if I needed more money to write for more compensation. The request IRP # XXXX. Please look into this matter and investigate more on my account starting from XXXX XXXX. I would love to received all my benefeits return from Bank of America.
Product: Credit reporting or other personal consumer reports

I am writing to complaint to EQUIFAX about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX XXXX XXXX My birthdate is XXXX. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.