23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

After getting a copy of my report that I ordered a credit report with XXXX XX/XX/2022, I called Transunion since I saw some UNVERIFIABLE accounts on my personal profile. I discovered that there were CHARGE OFF and MULTIPLE LATE PAYMENT accounts on my credit report. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing a fraud account on my credit report all this time on my personal profile but still youre not taking any action. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX, XXXX, XXXX ). I have never with these accounts listed below, so please help me remove these charge off and multiple late payment accounts from my personal profile. A copy of my Utility Bill, drivers license, and Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 

XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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I am filing this complaint because Experian has repeatedly failed to investigate and remove fraudulent accounts and outdated personal information on my credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ). These inaccuracies are a result of identity theft stemming from the XXXX data breach. 

The fraudulent accounts that remain on my Experian credit report are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts were opened fraudulently without my consent. Both XXXX and XXXX have already investigated and deleted these accounts from my credit report. However, Experian continues to report them as " verified, '' without providing proof of a proper investigation or any supporting documentation. 

Additionally, Experian has failed to remove outdated and fraudulent addresses associated with these accounts, including : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX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 XXXXXXXX These addresses are not mine and are directly tied to the fraudulent activity. I have provided Experian with updated government-issued identification and documentation proving my claims, yet they continue to refuse to act, obstructing my ability to repair my credit profile.

Experians failure to investigate and correct these inaccuracies has caused harm to my creditworthiness, emotional distress, and financial opportunities. Their negligence violates the FCRA, which requires credit reporting agencies to conduct thorough investigations and remove unverifiable or inaccurate information.
Product: Student loan

XXXX XXXX XXXX filed bankruptcy, one of the reasons was due to illegal practices involving student loans. Words like " Predatory '' and " Deceitful '' practices were being used to get students signed up for loans. 
I want to know why I am still required to pay, 11 years later, on a debt that was procured in this manner? Why has the debt not been forgiven? Aren't I just paying into something that was deemed illegal at this point? 
What are my options to get this debt erased and possibly defrauded monies refunded to me that I have paid over the past 11 years?
Product: Student loan

An application was submitted to remove the co-borrower and the financial institution sent a denial reason that is n't supported. JP Morgan Chase recently changed servicing companies. The co-borrower removal application was submitted prior to the change however, Chase sent the servicing company the application. The servicing company is the company who denied the application however that company was provided all the records of loan payments. The reason I say this is because all loan inforamtion was viewable on the online banking system and close to the change everything was no longer viewable due to the servicing company. In addition, during a phone call with the servicing company the customer service representative I spoke to was able to tell me that she could see I made the consecutive payments required. This is an unfair banking practice and I have supporting documetation to provide that shows the denial reason to be false. I also requested all payments made to the loan be sent to me since that information was no longer viewable on the JP Morgan Chase online banking and is n't available online with the servicing company. This information was never provided. In addition under JP Morgan Chase the loan was under automatic withdrawal payments and the statements did not reflect the accurate interest rate since the loan qualified for a discounted rate. This is confusing and deceiving practice therefore I would like detailed information to determine if I was accurately being charged interest.
Product: Credit card or prepaid card

On XX/XX/2018 a fraudulent ATM Cash Advance was transacted for {$800.00}. I reported this fraudulent activity to Chase Security. They credited my account for the fee ( {$40.00} ) and the transaction amount of {$800.00}. This part of my experience was satisfying to me. The issue I have with Chase is they did not and will not apply the credit to my cash balance. This leaves me with an inflated cash balance by {$800.00}. It also forces me to pay interest at a 5 % higher rate on that same amount ( {$800.00} ). And one last item it reduces my available Cash by {$800.00}. I spent 45 minutes on the phone with Chase and ended up speaking to a Supervisor by the name of XXXX. They would not budge. They said their system does not allow for this type of adjustment. They said the credit applied is applied to ANY outstanding balance. The " voice of reason '' does not apply when it comes to Chase.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as DOB or SSN in order to appear on your credit file. The Credit Bureaus has not updated the information per the new law true Bankruptcy listed does not include this information and should be deleted from my credit reports.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 

Inquiry from XXXX XXXX on XX/XX/XXXX Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX Inquiry from EXPERIAN XXXX XXXX  on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft. I have had someone use my identity with different names, addresses and information. I need this to be investigated and fixed immediately. 


name and addresses wrong XXXX XXXX
Product: Mortgage

The Company CAPCENTER MORTGAGE NMLS # XXXX is advertising on the internet ( https : //capcenter.com ) and heavily on the radio ( and possibly television ) that their mortgages have " ZERO CLOSING COSTS. '' This is untrue. All Mortgages have Closing Costs. They are using Lender Credits to pay for a consumer 's closing costs. Their own fine print explains this but not prominently. The radio ads ignore this altogether.

Those Lender Credits are offered in exchange for a higher interest rate than a consumer would otherwise pay if that consumer paid his or her own closing costs or " rolled them in '' to their new mortgage. They never mention this fact but for the fine print.

This highly deceptive type of advertising is a direct violation of 12CFR1014 among other statutes. It is a violation of UDAAP. It needs to be investigated and the company ordered to cease and desist.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX and I am a real person. I am writing to you in regards to the Credit Reporting Bureaus such as XXXX, XXXX and Transunion reporting incorrect information on the credit reports. I have my rights protected under the Fair Credit Reporting Act and the 15 U.S.C. 1681. I have been trying to remove wrong invalid addresses from my credit reports, sent letters and called numerous times and asked XXXX, Transunion and XXXX to remove wrong and undeliverable addresses from my credit report. I am missing important mail and I don't need these addresses reporting and I don't want ANY of my mail to go to any of the addresses by MY CURRENT ADDRESS. My current address is : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, VA XXXX. I will attach supporting documents, my bank statement and my recent utility bill to provide evidence. Please help me resolve this issue. The only address that MUST BE REPORTED IS MY CURRENT ADDRESS : XXXX XXXX XXXX XXXX  XXXX, XXXX, VA XXXX! According to the FDCPA 15 USC 1692g the bureaus have to report 100 percent accurate information. 
Please remove the following addresses from my credit reports : XXXX XXXX XXXX XXXX XXXX, VA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX, XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX, XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX, VA XXXX, XXXX XXXX XXXX XXXX XXXX, VA XXXX, XXXX XXXX XXXX XXXX XXXX, VA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX. 
All these addresses are incorrect and not deliverable and must be removed from my credit report. I will attach supporting documents and my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America stated I had a personal credit card account with them that they filed a claim for in my personal bankruptcy of XX/XX/XXXX. The account in question was not with BofA and was a XXXX XXXX XXXX   business credit card account. 

BofA has fraudulently posted and reported a derogatory business credit card account to the major bureaus since XX/XX/XXXX. I have complained to BofA and they have recently sent me out the account history for my XXXX XXXXXXXX business card. I asked first for my business contract between XXXX XXXX and my self for these charges. BofA has lied to the CFPB and me about saying that because the credit application is 13 years old, it is not available. That is a complete fabrication and lies because BofA like with many of their mortgage loans they take over, they do so without the appropriate assignment notice to debtors ( Which would not be 13 years old ) and they do not have those documents, I was never noticed and they can't produce that notice either. Prior litigation we are investigating shows BofA plays fast and loose with the assignment of debts it buys and trades. I have received a call from a FTC investigator regarding BofA 's games for a regulatory offense. I'm waiting on more documents of other information XXXX XXXX is secreting and a final decision from her or her supervisor I have reached out to for resolve before I speak to investigators. 

Apparently there is an ongoing history of contract fraud and document fraud on the part of BofA and its outside and/or third party loan servicing I wasn't previously aware of .... I believe it's now my duty now to see that justice is done for all the other people who have been harmed by BofA. This all started out as an incorrect reporting of information into my report/s from a Business account XXXX XXXX   Card and now it is quick evolving in to an SEC and FTC investigation. In light of XXXX XXXX continued acts and BofA coverups, I'm sure she will be subpoenaed to answer for her actions and BofA cover ups, she is destined to be a real shooting star here. Way to go XXXX XXXX, you have opened BofA up to millions of dollars worth of damages/fines .... I'm sure that won't bode well for your great XXXX page and resume.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I fell behind on my mortgage payments in XXXX  due to many issues impacting my marriage and my finances. I put the house up for sale, then sold the house in XX/XX/2019. My broker and title company satisfied the outstanding amount on my loan to XXXX and Prime. Since XXXX  I have been trying to rent and now I am trying to purchase a new house and the credit reporting agencies have my mortgage listed as charged off. In addition to that the mortgage company did not return my escrow payment to me, they sent it to the state of pennsylvania. I have been suffering trying to live a decent quality of life due to this. I have forwarded the closing documentation from my broker and title company to the old mortgage company XXXX, Prime lending and they refuse to correct and update my records nor my credit reporting information. I have sent faxes to them at XXXX requesting updated information and I attached recording documentation proving I paid the mortgage off. My current potential mortgage adviser is impacted because they want to show that the mortgage was paid off and I can't do that because of the erroneous reporting from the old mortgage company. In addition to that my potential future interest rate has more than doubled due to this error. I am no longer seen as a responsible borrower to creditors.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX 15 USC 1692 K and 15 USC 1640 Civil liability 15 U.S. Code 1681 N ( B ) 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 or {$1000.00}, whichever is greater ;. ( B ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 
15 U.S. Code 1681n - Civil liability for willful noncompliance. 15 U.S.C. 1681o - U.S. Code - Unannotated Title 15. Commerce and Trade 1681o. Civil liability for negligent noncompliance. 15 U.S. Code 1640 - Civil liability. Delete account from consumer report immediately.
Product: Checking or savings account

Five years ago, I closed this account. I went into the branch, pulled out all the funds out of the account checking on savings and told them to close my account at which point come to find out a year later I when the account went into collections with multiple charges that I didnt do. I found out that the account never got closed. I filed a police report on this sent it to the collection agency they close the account and sent it back to Mountain America Mountain America never close my account like they shouldve then two years go by and I dont hear a word from them or get any emails or letters or nothing until randomly, I got a letter showing that the savings account was still open, at which point again I sent the police report. They closed it again. Sent it back to Mountain America. Same thing happened for three years. I didnt hear anything until now. Thought it was closed and it never got closed! When Mountain America looked into this the first time around, they actually found it a previous employee who did this to multiple accounts. He was booked for fraud and sent to prison. He was fraudulently not closing accounts and charging things on peoples accounts without them, knowing he would change their email addresses and everything so they wouldnt get any notification which is what happened to me. This is how they found the guy and caught him Since then nobody seems to know what is going on with my account. They have no notes on it even though Ive sent the police report to both Mountain America and to the collection agency over three times and nobody seems to want to close this account. Theyve talked to the fraud department fraud department has no notes on it so they tell me that theyre gon na open up a fraud investigation even though five years ago this is what happened. Thats how they caught the guy. It should be a no-brainer to just close my accounts at the time my name was different. I was XXXX, and the name was even changed in their system by this guy to my maiden name, which now I go by again, cause Im divorced, but this is absolutely ridiculous. I dont see why they cant just close the account. Theres only a dollar in the savings account which shouldnt even have anything in it and multiple charges that are fraudulent that were done to the account by the guy whos already in XXXX  for it
Product: Credit reporting or other personal consumer reports

My repeated efforts to rectify the fraudulent, erroneous, and misleading entries on my consumer report have been unsuccessful. These false records have severely disrupted my life, resulting in considerable XXXX XXXX XXXX As a victim of identity theft, I must emphasize that I never sanctioned or agreed to have this information linked to my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I never got any account with XXXX XXXX, this information is old and should not appear on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I placed security freezes on the 3 major credit companies due to identity theft I fell victim to. I recently applied for a personal credit card with XXXX and a business line of credit/ SBA loan but was told I was denied because they couldnt obtain a copy of my reports. I have tried to contact all 3 to have it temporarily lifted but have been unsuccessful. 
Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

15 U.S.C 1681 section 602 A. States I have the right to privacy 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 to cause to believe that the information is inaccurate.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.