23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was approved for a loan modification in XX/XX/XXXX in which an error was made on XXXX of the notary pages. Bank of America did not notify me of this error as they mistakingly sent correspondence intended for me ( who is located in New Jersey ) to another customer located in Florida. This correspondence was to inform me of this notary error so that I could fix the mistake and complete my modification. The representative handling my modification assured me via telephone numerous times that modification was indeed approved, as well as over XXXX different BOA representatives during the five months following the signing of these documents. I continued to make all of my mortgage payments every month, never missing any, and in XX/XX/XXXX, I was served with a foreclosure complaint stating that I never had a loan modification and I had defaulted as of XX/XX/XXXX ( since I had only paid the modified amount ). I have previously contacted the XXXX and CFPB regarding this, who have directed me to BOA and their only solution is that since I have entered into another modification, that this should be sufficient. It is not, since there is still a foreclosure action on my credit report that should have never been filed since my mortgage should have had been in a modification and had BOA not erroneously sent my documents to the wrong address, my modification would have been intact and the payments were made. I want the foreclosure removed from my credit report and I want a Notice of Recission from Bank of America that I can give to my creditors. All of my credit card companies have lowered my credit limits, and I needed a co-signer to obtain a new vehicle when my previous lease ended. My FICO score has dropped nearly XXXX points and I have no other negative items on my report other than this. Even before this foreclosure action, and with the modification, I only missed XXXX mortgage payment since the loan 's origination so my credit was not adversely affected prior to this foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under my name. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be a claim that constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute IsFrivolous or irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent noncompliance [ 15U.S.C. 1681o ] a person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

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

Please remove these late payment remarks on my credit report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have disputed this reporting with all 3 bureaus, Equifax, XXXX XXXX and XXXX  after verifying with Us Bankruptcy Court XXXX that they do not report bankruptcies to the credit bureaus. Contact was made 6 times in XX/XX/2019, with no verification from the bureaus and they have not removed the public information of bankruptcy.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to address a concerning discrepancy in my credit report regarding late payments on my account. Upon reviewing my report, I noticed that late payments were inaccurately listed, which has had a negative impact on my credit score. I contacted the company associated with this account, and they acknowledged that there was an error on their end. They assured me that they would update and correct my account to reflect the accurate payment history. They explained that there was a system glitch that caused the late payments to be incorrectly reported. 
I find it perplexing that your bureau continues to report these late payments when other credit bureaus have already corrected the status of the account. This raises questions about the verification process used by your bureau to ensure the accuracy of the information reported. I'd like the accounts be CORRECTED and UPDATED : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my several Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block these items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX Balance : {$100.00}, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$690.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Rep said he didnt care about my rights, rep said he knows the federal law and still will not delete or dispute any info on my report. Rep stated that he knows its my rights and understand my rights but their policy states they can not help me. I wants 2 accounts and all hard inquiries removed. Equifax should not be responsible for holding any any of my personal info. They need to delete all accounts and collections. They have no respect of our rights. XXXX iD number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a request for an investigation of the disputed items, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following items from my file. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I contacted CFPB regarding National Credit and XXXX XXXX XXXX regarding an apartment I rented and because of that complaint, the company has stated on my credit report that I made a payment. This is totally untrue, I have not made a payment as I do not believe I owe them at all. They have 2 accounts on my report, in the amounts of {$3400.00} and {$1000.00}.
National Credit continues to make false statements on my report. When is it okay for them to report false information on credit reports?
Product: Debt collection

On XXXX XXXX, 2017 I received a call at XXXX PM from XXXX XXXX, from Convergent Outsourcing XXXX XXXX on behalf of XXXX. She asked me to verify my name and address, which I refused to do, and the caller ended the call. I have since been waiting to receive the letter that is required to be sent after contact in an attempt to collect a debt. No such letter has come to my home. Today I received an alert from my XXXX XXXX that a new account is reporting as a collection from Convergent. 

Convergent has deprived me of my chance to dispute this debt or request validation, by not sending me the required letter within 5 days of contacting me regarding this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a auto loan with XXXXXXXX XXXX and the bank report a miss payment and it's not correct. I have my payment on day and the current balance are wrong. On XXXX and XXXX I send a letter to bank and I don't have any answer. This situation is affecting me because I need request a credit and I can't because this situation with XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law XXXX, title X, XXXX Stat. XXXX ( XXXX ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( " FCRA '' ) I would like all of my closed accounts removed. Many of these acts fall under the statute of limitations or are misreporting on my credit report. These accounts are closed and should not be on my credit report as open or reflecting balances. 

Account Name : XXXX XXXX XXXXXXXX Date Filed : XX/XX/XXXX Type of Account : XXXX  Address : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Number : Reason : ( XXXX ) XXXX Account Name : XXXX Date Filed : XXXX XXXX, XXXX Type of Account : FRAUD Address : XXXX XXXX XXXX XXXX XXXX, TN XXXX Account Name : XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : CREDIT CARD Address : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Number : Reason : ( XXXX ) XXXX Account Name : XXXX XXXX  Date Filed : XX/XX/XXXX Type of Account : CREDIT CARD Address : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Account Name XXXX XXXX XXXX XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : Credit Card Address : XXXX XXXX XXXX XXXX XXXX, NV XXXX Number : Reason : ( XXXX ) XXXX account paid never late closed Account Name : XXXX XXXX  Date Filed XXXX XXXX Type of Account : credit card Address : XXXX XXXX XXXX XXXX, NY XXXX XXXX : XXXX XXXX ) XXXX Reason : credit card filed lost never closed, paid in full marked incorrect Account Name : XXXX XXXX XXXX  Date Filed : XXXX Type of Account : FRAUD Credit card Address : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX : XXXX XXXX ) XXXX Reason : Account open fraudulently six years ago, marked as closed and paid.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate information on my credit report. Upon reviewing my credit report, I have noticed several old names and misspelled names that do not belong to me. I am requesting that these names be removed from my credit report immediately as they are inaccurately reflecting on my credit history.

The incorrect names on my credit report are causing a negative impact on m

y credit score and are not a true representation of my creditworthiness. I have attached copies of official documents such as my driver 's license and social security card to prove my correct name and identity. Furthermore, I have also noticed other inaccurate information on my credit report such as incorrect account balances and fraudulent charges. I am requesting that these inaccuracies be investigated and removed from my credit report as well. Section 609 of the Fair Credit Reporting Act ( FCRA ) allows consumers to request all information in their credit files, including the source of that information. Section 623 of the FCRA allows consumers to request an investigation into disputed information, which can help corre
ct errors and ensure the accuracy of their credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act : specifically, XXXX account XXXX 15 U.S. C1681 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 account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account XXXX and XXXX XXXXXXXX  have violented my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Checking or savings account

This is unresolved issue with Wells Fargo Bank, My account was hacked for XXXX they did issue a temporary credit and come back 6 months later, with draw the money out of my checking account which of course caused it to be over drawn, As a customer for 11 year with them, I never had such unfair treatment this happened without be permission, i would like my funds back.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting ACT ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. 
The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishes, accepting unreliable response, and failing to adequately notify consumers of dispute outcomes. 
These failures align with my experience, where Experian has niether corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. IM requesting immediate corrective action to removed or amend the disputed accounts, as Experian is not inaction violates federal law and my rights as a consumer.
Product: Mortgage

On XX/XX/XXXX I applied for a HELOC from my mortgage company. After i disclosed all information to Chase i was told over the phone my credit score did not meet minimum level for Chase HELOC policy. At no time during phone application process did the Chase representative disclose to me what the minimum credit score Chase requires for a HELOC. My on time mortgage payments are excellent over the past few years. Currently I have a substantial amount of equity in my home and Chase is not allowing me to access it I need to access the equity in order to settle some outstanding accounts that were damaged due to a divorce that was finalized on XX/XX/XXXX. I have been consistently improving and repairing my credit since my divorced was finalized. The equity in my home is mine and i am only asking for a small portion of the equity to settle credit accounts in order to continue repairing my credit, Chase did not disclose to me that they require a minimum fico score to be approved for a HELOC.. I have been a Chase customer for many years but they will still not allow me to access my equity.Totally unfair lending process.
Product: Credit card or prepaid card

I received a credit report showing a new inquiry from Amex I never applied and received a Amex card. I contact Amex was informed there is no account under my name. The inquiry knocked 80 points off my credit score.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : XXXX, XXXX : XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX  XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX  ) : XXXX, XXXXXXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) : XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX : XXXXXXXX XXXX XXXX  ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX : XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX : XXXX, XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

As of XX/XX/year>, I noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 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

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately : XXXX XXXX XXXX ) - ( XXXX ) XXXX XXXXXXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXXXXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/2022 XXXX XXXX XXXX ) - ( XXXX ) XX/XX/202XXXX XXXX XXXX XXXX ) - ( XXXX ) XX/XX/202XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/2022 XXXX ( XXXX ) - ( XXXX ) XX/XX/2022 XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX ) - ( XXXX ) XX/XX/2022 XXXX ( XXXX XXXX - ( XXXX ) XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) - ( XXXX ) XX/XX/202XXXX XXXX XXXX XXXX  ( XXXX ) - ( XXXX ) XX/XX/2022 XXXX XXXX XXXX XXXXXXXX ) - ( XXXX ) XX/XX/2022 XXXX XXXX XXXX XXXX XXXXXXXX ) - ( XXXX ) XX/XX/2022 XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/2022 XXXX XXXX XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX Blank/Missing ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) - ( XXXX ) XX/XX/2022 XXXX ( XXXX ) - ( XXXX ) XX/XX/2022 XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/2022 XXXX ( XXXX ) - ( XXXX ) XX/XX/20XXXX XXXX XXXX XXXX ) - ( XXXX ) XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was a victim of a wire fraud and scam. My bank Capitalone Bank recall the wire but fail to provide any update and failed to protect me from the scammer. {$20.00}, XXXX was wired transferred to acccount at XXXX XXXX under false pretenses. Have I have known that the money was going to a scammer I would have never wired the funds. The person who received the funds XXXX XXXX on XX/XX/2022 admitted that he received this funds but wired it out as soon as he received it. He did not question the wire. He is an accomplice to this wire fraud. I was able to find XXXX XXXX on the internet and contacted him. He said he took the wire and transfer it out by buying bitcoin and delivering to the scammer. Capitalone bank is also accomplice because they did not assist in recovering this wire fraud in timely matter. They have no standard operating procedures in place to protect customers like us. They recall the wire yet failed to follow up with the beneficiary bank. The wire was recall since XX/XX/XXXX as soon as the fraud was discovered but there was no movement. The beneficiary bank refuse to cooperate or has given no update to my claim. XXXX XXXX is accomplice to this fraud because they have failed to appropriately respond in a timely matter and failed to investigate nor close his account for fraud. XXXX XXXX failed to respond in the timely matter and from what I heard Capitalone can not contact them directly. My bank has to wait which for XXXX XXXX  to respond. The lack of urgency in the matter will cause tremendous harm to the victims of scam.
Product: Debt collection

I am not liable for this debt of {$190.00} with MERCANTILE ADJMT BR Account number : XXXX I do not have a contract with MERCANTILE ADJMT BR, they did not provide me with the original contract as requested with my wet signature and ID Verification.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate reporting of a repossession on my credit file related to the auto loan account with XXXX XXXX, listed under account number XXXX on my credit report. This dispute is being filed in accordance with the Fair Credit Billing Act ( FCBA ), 15 U.S. Code 1666b, which mandates creditors to investigate and correct billing errors in a timely manner.

Dispute Details : 1. Inaccurate Balance Reporting : The balance on my XXXX report is listed as {$0.00}, while TransUnion and XXXX both report a balance of {$10000.00}. 
If the account has been transferred or settled, it should reflect a {$0.00} balance across all bureaus.

2. Incorrect Payment Status : The account is marked as Repossession/Involuntary Repossession. However, the comments section also states that the merchandise was returned by the credit grantor, which indicates a voluntary surrender, not an involuntary repossession.

3. Failure to Provide Proper Notice ( 15 U.S. Code 1666b ) : I was not properly notified of the final balance and any deficiency before the repossession was reported.

If the lender failed to follow proper repossession procedures, the reporting of a deficiency balance may violate my rights under federal and state law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date of last active is inaccurate, and the date last reported is not accurate. This ground for removal also violated my rights under.

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 an account without my written instructions. 

Also the Credit bureau took more than 30 days to complete my investigation here is my certified mail tracking # XXXX