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

I am a victim of the recent XXXX data breach, and a victim of identity theft. The following 2 credit card accounts on my XXXX and Experian credit report are fraudulent, unauthorized and the results of the XXXX data breach : XXXX XXXX and XXXX XXXX. The 2 accounts arent mine and dont belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint : ( XXXX ) account # XXXX violated XXXX U.S. Code XXXX - Communication in connection with debt collection ( b ) Communication with third parties Except as provided in section XXXX of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. I have NOT given permission for ( XXXX ) account # XXXX to communicate, transfer or sell information to any other company or third party/debt collector, therefore it is a violation of XXXX U.S. Code XXXXc-section b. XXXX XXXX Transunion, and XXXX, must remove all information reporting from and relating to ( XXXX ) account # XXXX third party debt collection accounts associated with ( XXXX ) account # XXXX because the account and information has been transferred and sold ILLEGALLY according to XXXX U.S. Code XXXX c-section b.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of information on my credit report. After a thorough review, I have identified fraudulent accounts that have been incorrectly reported. Please investigate and rectify this matter promptly. I attached the letter with the FTC.
Product: Credit reporting

After not being able to get free credit report because the sight was down I was able to get my report by paying for it. Experian is making it very difficult to get report with out paying for it. I paid for a report because after XXXX dispute letters sent via certified mail they only responded 1 time and the accounts came back verified. They never reinvestigated or provided verification or method of verification despite several written and received requests. There are no account numbers on the report : The report has no number but it was pulled and printed XX/XX/XXXX These are wrong These accounts need to be deleted : XXXX XXXX XXXX accounts???? delete all of them XXXX XXXX XXXX accounts?? delete XXXX
Product: Debt collection

lvnv funding llc.calling me alltime or the day and night damge my credit report raised a mount that hold them I never took any credit from them
Product: Credit card or prepaid card

Remove Late Pay for XXXX XXXX  2017, please see attached that could not go through when processed online. Remove late pay for XXXX 2017.
Product: Credit card or prepaid card

Failure to alert me of suspicious activity and failure to provide consumer protection against online fraud.   CC Company : Barclaycard,  XXXX , DE Merchant : Tickets  XXXX    XXXX   XXXX   Date  XXXX / XXXX / 2017  Amount : {$810.00} My credit card information was stolen online to purchase  XXXX  same day basketball game tickets. I filed a dispute after speaking to the merchant. Credit card company " investigated '' and found in favor of the merchant. Reason being the merchant said they sent the tickets electronically to a n e mail address with my name on it, therefore that meant I must be made the purchase. But that was NOT my e mail address. The theft who stole my information created an e mail address with my name in it so he could have the merchandise sent to him electronically. That is how online fraud operates!! Anyone could create e mail account using any name they choose!!     Barclaycard told me they have now completed the investigation ; it is now up to me to negotiate with merchant. The merchant tells me to work it out with Barclaycard.
Product: Credit reporting or other personal consumer reports

Recently I took a look at my credit report. I noticed some inaccuracies. Please take a look at the following account to ensure accuracy. Highly injurious to my credit report. 
XXXX XXXX XXXX
Product: Mortgage

Chase Mortgage ( who services my XXXX-owned loan ) advised me they no longer accept bi-weekly payments, and that I 'd have to use a 3rd party, who will charge me about {$250.00} to set this up. This is outrageous. Where else in America can ANY creditor refuse to accept an early payment, and refuse to give you the interest savings? The answer is nowhere. They told me they 'd hold my bi-weekly until the second payment arrives, as they wo n't credit partial payments. I assume they do this with the law allowing it, so PLEASE pass this on to the Congress and ask that, as the CFPB, Congress change the law to stop this ridiculous fleecing of the average American! If they will take a bi-weekly payment from an intermediary/3rd party, the banks should be MADE to accept these directly from the mortgagee!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint to request that the Credit Bureaus to remove the erroneous accounts off of my Credit FIle in accordance with the Fair Credit Reporting Act. It has been a battle going through all this and I am submitting this CFPB Complaint to request that the Credit Bureaus cease the reporting of the erroneous accounts off of my Credit File. I am not satisfied that enough was done to truly contact the creditors/agencies that are reporting this information on my report and because of this I am now asking you for more information regarding these particular items in question : 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 Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within XXXX  days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Received credit cards, credit, applications, and inquiries from XXXX, XXXX, BMO. There appears to be ongoing identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a closed account on my Experian report that is reporting inaccurately. The payment dates are all wrong and it has a recent reporting date in XXXX, even though it was closed in XXXX. Experian is not removing the account and the inaccuracies are STILL there. I have disputed these inaccuracies and requested that they remove this account due to the inaccuracies however they have failed to do so.

Note- This only account is NOT on my XXXX Note- This only account is showing different information on XXXX  than what is showing on Experian. None of my 3 credit reports match because of this account and the inaccuracies. 

I want this account removed off my credit report IMMEDIATELY due to inaccurate information. 

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

Initial Complaint :  XXXX  Response : Dear CFPB, I did not receive any calls from USAA. I informed USAA that my cell phone was stolen and provided them with an alternate contact number. They could also have direct messaged me through  USAA.com. I   contacted  USAA  numerous times with calls and direct messaging. I was told to call, but when I telephoned, I was transferred repeatedly and consistently to numerous departments with no help or answers. If I visited USAA.com multiple times, it was to open accounts for my  XXXX  children or to address  Christmas  money being transferred to them, not for my own personal use. I had to file a complaint to get them to talk to me.     First, I left my purse on the counter while shopping during Black Friday, but it was later returned. Secondly, my van was broken into and my phone, purse, and personal items were taken. A couple of my cards were compromised. As a result, I looked further into my accounts.     I confused this card with a  XXXX  card and application. I explained to USAA that I had no knowledge of the account or card when I telephoned and needed to close it. Why would I go through all of this for {$35.00}?     I have slowly been transitioning to my new home at  XXXX   XXXX   XXXX  in  XXXX , Virginia while it is being renovated, so I havent fully changed my address yet.     Regardless, derogatory information was reported to the credit bureaus while this issue was supposedly under investigation. I was told that the first investigation was inconclusive. Negative information should not have been reported to the credit bureau if the credit card account was under investigation, and I was not aware of the results.
Product: Checking or savings account

There is a fraud hold on my checking account due to a claim against me. I called and explain the situation on XX/XX/2018. They need 10 business days to resolve it. But I need access to pay my bill and rent for living. This is a financial hardship I am experiencing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite disputing various inquiries with the creditors and all three credit bureaus, I get form letters that are not resolving the issue. I provided proof that I did not authorize the inquiries. There have not been any deletions of the erroneous information affecting my score and quality of life due to many inquiries. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EQUIFAX MORTGAGE SOLTUIONS XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account Number # XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reinvestigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts : XXXX XXXX XXXXXXXX Balance {$570.00} DEPT OF EDUCATIONXXXX XXXX Balance {$8700.00} DEPT OF EDUCATIONXXXX XXXXXXXX Balance {$3700.00} XXXX XXXX XXXX Balance : {$530.00} XXXX XXXX XXXX Balance {$570.00} Note that this complaint is my follow-up complaint to ensure the listed accounts are verified immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 
XXXX XXXX : Account number : XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

XXXX XXXX XXXXXX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX XXXX Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXXXXXX : Account number : XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

XXXX  : Account number : XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 


Sincerely, XXXX XXXX
Product: Debt collection

This magically appeared on my credit last month. Do not have any knowledge of this account I have already requested for this to be fied and nothing has been done. No supporting documents have been received. Multiple threatening, phone calls, and harassing nonstop. This needs to be deleted off my credit
Product: Mortgage

I hope this message finds you well. 

I am writing to bring to your attention a matter of serious concern regarding my mortgage loan serviced by Bank of America ( XXXX # : XXXX ). Due to an unexpected job loss in XXXX I was temporarily unable to meet my mortgage obligations. However, upon securing a new role later that yearand continuing into 2025as XXXX XXXX in the FCC, XXXX, and Surveillance division at XXXX XXXX a subsidiary of XXXX XXXX XXXX  Corporation XXXX XXXX ), I promptly reached out to Bank of America to apply for a loan modification. 

During this time, I was also contacted by Bank of America 's Relationship Managers encouraging me to pursue modification options. With genuine intent to resume payments and retain my home, I submitted multiple modification applications ( three to four times ). Unfortunately, each application was declined on the grounds of income not verifiable.

I find this reasoning difficult to understand, as I submitted all necessary documentation, including ADP-generated pay stubs and direct deposit records into my personal accountstandard income verification methods, particularly in a globally recognized financial institution such as XXXX. 

While my applications were being denied, foreclosure proceedings were simultaneously initiated at an alarming pace. I am deeply concerned by what appears to be a lack of due diligence, potential consumer rights violations, and non-compliance with regulatory standards in this process. 

I respectfully request your intervention and a thorough review of my case. I have made every effort to resolve this matter in good faith, and I remain fully committed to meeting my obligations and keeping my home. 

Thank you for your attention and understanding. I look forward to a fair and timely resolution.
Product: Checking or savings account

Last month, I encountered a significant issue after making a transfer request from my Bank of America account to my account ( under the exact same company name and address ) at XXXX XXXX. Unfortunately, the transfer was canceled, and subsequently, my Bank of America account was blocked. This has left me without access to my online banking at a critical time, as I urgently needed to make a mortgage payment of {$3500.00} the next from XXXX. 

Regrettably, I have not received any communication from Bank of America regarding the blocking of my account. There were no emails or calls explaining the situation or providing guidance on how to resolve this matter. It was only when I attempted to use my account that I discovered the issue. I promptly contacted Bank of America customer service for assistance, but I regret to inform you that my experience was far from satisfactory. 

Over the course of three hours ( 3 times! ), the customer service representatives were unable to offer a solution. Despite my request, they were unable to send me an SMS for confirmation, leaving me with no alternative means of accessing my account. The only suggestion provided was to visit a bank branch in person. This is not a viable solution for me, as I am an XXXX XXXX  and will only be next in the US in XXXX, and especially given the multitude of secure authentication methods available in today 's digital age. 

I understand that security measures are crucial, but the lack of communication and the inability to provide a timely solution have left me in a challenging situation. I was unable to make a timely mortgage payment, and the urgency of this matter can not be overstated. And it was by Bank of America, as the Manager of my branch XXXX XXXX ignores my emails and via phone and just hang up now. A formal complaint was raised in one of the calls and no response from the bank received at ALL! 

I kindly request immediate attention to this issue and ask for assistance in resolving it at the earliest convenience. I believe there must be alternative methods to authenticate my identity and unblock my account promptly, allowing me to fulfill my financial obligations without further delay. This has blocked my XXXX dollars with BofA and my XXXX secured credit card. That is illegal to withhold money without any reason, even with all my attempts to unlock the account.
Product: Vehicle loan or lease

On XX/XX/XXXX, I entered into a contract to purchase a XXXX XXXX XXXX XXXX from XXXXXXXX XXXX XXXXXXXX in XXXX, TX. Despite my contractual obligations and fully executed agreement, XXXXXXXX XXXX XXXXXXXX falsely represented to me and vehicle has been sold to another party. We were in contact with XXXX XXXX XXXX from the dealership who could not give us a direct answer regarding the status of the vehicle. He simply stated, they did not know where it was nor could he provide an estimate of when it would arrive to the dealership. I was made aware today that the vehicle was, in fact, sold to another couple already. 

This false representation constitutes consumer fraud and deceptive practices in violation of the Texas Deceptive Trade Practices Act. XXXXXXXX XXXX XXXXXXXX XXXX actions have caused me significant financial and emotional damages. 
I demand that your office take immediate action to investigate this matter and hold XXXXXXXX XXXX XXXXXXXX accountable for their illegal conduct. I am willing to cooperate fully with your investigation and am prepared to take legal action if necessary to seek justice for this deceitful and dishonest business practice.
Product: Debt collection

I am a single mother and my son was in and out of the hospital from XXXX due to breathing related issues. As a single mother, I found it increasingly challenging to provide the financial means necessary to care for him outside of my standard monthly cost of living. Unfortunately, I do not get assistance from my son 's father for his care and upbringing. This lead to some medical bills being forced into collections- some that I had no idea I owed on. Not only did CMRE have an address on file for me that is not even mine, your customer service representatives threatened me and refused to even work with me. 

I attempted to call CMRE today twice to offer payment in full for deletion, which I know is something that can be offered. I initially spoke with a man named, " XXXX '' who was rude and lacked listening skills. He treated me horribly and said it was " his choice not to remove the record from my credit reporting '' and then threatened me that if I were to call back, " I could speak to no one else but him. '' When I asked for a supervisor he informed me they were unavailable and refused to keep me on hold, noting that I was " taking up his phone line. '' When I refused to hang up, he hung up on me! This is what you call customer service? 

I called back and he had locked my account and I had to sit on hold for over 15 mins while a very nice young lady attempted to get me to a supervisor. While on hold with her, my phone rang through with a supervisor on the line from CMRE. She noted that the " pay for delete '' option ended last year and that the company would not be willing to assist me- therefore, I could pay bills that I had no proof I owed, or allow them to wait their 7 years to fall off my credit. One account is from XX/XX/XXXX and the statute of limitations has completely run out on that one. CMRE has yet to prove I owe this debt and I called the original creditor " XXXX XXXX '' and they can not even find the other bill from XX/XX/XXXX!
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVE some of the items in my file that resulted from an alleged fraudulent activity but I still have ITEMS left that needed to be removed. This is my new attempt to notify you that I was subjected incorrect credit reporting and I write to dispute these items in my file resulting from the inaccuracy. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of any items in my credit file that resulted from an erroneous credit report entries : 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 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 ======XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ======TRANSUNION : XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance XXXX XXXX {$0.00}. These items are unknown to me. Also, the information you provided on the account was DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove any items which was 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.