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

I have tried to get this rectified multiple times. I've heavily had my identity utilized and stolen. So much so that I had to get a court order. This isn't my account.
Product: Mortgage

Ten years ago, I submitted a qualified written request to Bank of America stating that a new Mortgage was originated on my home containing a forgery of my signature. 

Bank of America conducted an internal investigation and confirmed the forgery. Then XXXX XXXX, from Bank of America Victims Assistance Unit sent me a letter stating : " Please allow me to confirm that Bank of America has completed its investigation and concluded that the aforementioned loan should not reflect on your personal credit file. Bank of America has acted directly upon this finding and on XX/XX/XXXX, Bank of America submitted a correction to the four major credit bureaus with whom we correspond to remove the loan from your personal credit file. 

On XX/XX/XXXX, XXXX XXXX XXXX, the Vice President, Investigative Services Manager of the Mortgage Fraud Investigations Department at Bank of America confirms the existence of the forgery and writes Thank you for your patience as I have been attempting to locate an individual Bank of America advocate to work directly with you and all internal departments to address all of your concerns. I have been given the authorization to present your case to the Executive Relations Committee. I am in the process now of preparing a written statement and request for appointment of such an advocate for you which will include our case findings as well as departments we have supplied our findings necessary to resolve the issues which have arisen as a result of our confirmation of forgery. 

I will have my submission to them by the end of business today. I would think that someone from that group would contact you by the middle of next week. I will provide them with both your current telephone contact as well as this email address as well as my contact information. The credit group indicated that you may contact them at XXXX with case number XXXX for assistance surrounding your credit company concerns. 

To date, no one has contacted me, and the number provided is non-working number owned by Bank of America. 

On XX/XX/XXXX, Bank of America filed a foreclosure action against the me seeking {$320000.00}. The mortgage that I signed in XXXX was for {$140000.00}. This matter has already cost me over {$17000.00} in legal fees. The Bank of America lawyers are asking the judge grant a foreclosure on my home despite the fact that Bank of America has confirmed the forgery. 

Please help! I am about to lose my home.
Product: Mortgage

I have been in touch with the loss draft mitigation dept. I had water damage to the home and check was written with Shellpoints name. The company refuses to release the check to me. Inspection was done XX/XX/XXXX. All repairs were 100 % complete prior to that date, pictures were taken, and they now claim that they didn't have access to a bedroom and playroom. The inspector had access to the entire house, however there was no damage to a bedroom and playroom so probably that's why she didn't take pictures of that area. The inspection claimed 50 % repairs, but 100 % was already done prior to her visit and the contractor signed off on waiver of lien. How do I get my money that I already paid out of pocket to the contractor?
Product: Credit card or prepaid card

On XX/XX/XXXX & XXXX XXXX, I received letters from Capital One stating they looked into a claim that I filed of fraudulent accounts. I NEVER filed anything or disputed anything. Since then I have reached out to capitol one many many times over the phone to keep getting the same answer that they are looking into the problem. on XX/XX/XXXX I spoke to capital one and they requested that I fax over letters to them stating that these accounts belong to me. To which I did. ( see attached ) after two weeks of waiting and phone calls again I still received no answer. On another call on XX/XX/XXXX I was asked to E-mail a copy of my driver 's license, social security card and a recent bill to which I did. ( see attached ) I have made numerous calls to capitol one and still have had no response to why my accounts remain restricted. All I keep being told is they are looking into it. As of today 's date XX/XX/XXXX almost 3 months later I called them to see if I could get an update. Got the same run around after being transferred to 3 different departments I got the same answer that they are waiting to hear back from the credit bureaus ... was told a month back it would take 30 days now today I was told it could take 60 to 90 days! something needs to be done, I have never been treated so poorly by a credit card company as I have been through capital one from NO FAULT of my own.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint to update this suspicious information. Experian and XXXX Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX credit bureas and company said that have done an investigation but that can't be correct if I haven't gave any written permission APPLE CARD/GS BANK USA XXXX XXXX NEGATIVE MONTHS Credit usage 100 % Balance {$5200.00} Balance updated XX/XX/XXXX Credit limit {$4500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit card Payment summary XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX CO - XXXX CO - XXXX - - XXXX - - XXXX - XXXX - XXXX - XXXX - XXXX XXXX - XXXX PAYMENT HISTORY LEGEND Status Account charged off. {$5200.00} written off. {$5200.00} past due as of XX/XX/XXXX. 
Status updated XXXX XXXX Past due amount {$5200.00} Highest balance {$5900.00} Monthly payment - Last payment date XX/XX/XXXX Additional info XXXX XXXX XXXX XXXX XXXX sold - Original creditor - Comments Account closed at credit grantor 's request Account previously in dispute - investigation complete, reported by data furnisher Your statement **CONSUMER STATEMENT** ITEM IN DISPUTE BY CONSUMER Contact info Address LOCKBOX XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone number ( XXXX ) XXXX RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been XXXX  days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 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 und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

My data was breached : 15 U.S. Code 1681 XXXX XXXX  XXXX {$2300.00} XXXX  XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX. XXXX {$1100.00} XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX {$610.00} XXXX XXXX XXXX XXXX {$120.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

SUBMITTED ON XX/XX/XXXX : XXXX XXXX XXXX PAYMENT STATUS UNKNOWN. LAST REPORTED XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX. DATE LAST ACTIVE XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX. DATE OF LAST PAYMENT XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The EXPERIAN website requests information to UNFREEZE reports. I enter the information. EXPERIAN 'S website then reports that the service is not working. Experian DOES NOT PROVIDE an alternate method.
Product: Credit reporting or other personal consumer reports

This letter is my final communication regarding your claim that the information in my dispute letter has been verified and that the information being reported by the furnishers is accurate. As you can see, I am keeping careful records in regard to this matter. It has been well over the 30 days allowed by federal law for you to respond. Your failure to comply with federal regulations is a serious violation of the Fair Credit Reporting Act and could result in an investigation by the FT. Perhaps this is just an oversight or result of high volume of the requests you receive daily. I highly doubt an agency that is responsible of maintain accurate information would neglect to follow the laws that govern them on purpose. So, I will extend you the benefit of the doubt. Im sure youll want to tend to my request as soon as possible. To help you out I have included a copy of my original request, the dated receipt of when you got it, and a copy of the proof verifying the mistakes you have mistakenly placed on my records. Furthermore, I request your method of verification. In the absence of any such documentation, I demand that this information be immediately removed from the credit file you maintain under my Social Security Number. Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617. I, XXXX XXXX, am requesting the deletion of the disputed items. See the attached credit report and correct the following accounts on my credit report.
Product: Credit reporting or other personal consumer reports

XXXXXXXX  Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Collection agency name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Subject : Cease and Desist Collection Activities Account Number : XXXX To Whom It May Concern : I am writing to formally request that you cease all collection activities regarding the above-referenced account, as provided under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). 



This letter serves as notice that I do not wish to be contacted further regarding this matter, except for written communication confirming the cessation of collection activities or advising me of any specific legal actions you may pursue. 



Please be aware that failure to comply with this request may constitute a violation of the FDCPA. 



Additionally, I dispute the validity of this debt as listed on my credit report, as the information appears inaccurate. Please remove any incorrect or unverifiable information related to this account. If you believe the debt is valid, please provide written validation of the debt as required under the FDCPA. 



Any further attempts to contact me, including phone calls, emails, or other forms of communication, will be considered harassment and will be reported to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the appropriate state attorney generals office. 



Thank you for your prompt attention to this matter. 



Sincerely, Name : XXXX XXXX XXXX Phone Number : ( XXXX ) XXXX Email Address : XXXX XXXX
Product: Debt collection

The account I'm referring to is account number XXXX in the amount of {$2500.00} opened XX/XX/year>. Regarding a debt that your agency Lockhart Morris and Montgomery is attempting to collect. I am requesting clarification on several points related to this debt and the actions being taken on my credit report. The first point is the Purchasing Agreement from Original Creditor. Please provide a copy of the original purchase agreement or assignment agreement between your agency and the original creditor. I request proof that the debt in question is legal and valid. Point 2, I have noticed that your agency has conducted a soft inquiry on my credit report. I request a detailed explanation for why this inquiry was made. 
Point 3, I want proof you have a signed agreement or contract with Lockhart Morris and Montgomery and alleged debt owner,
Product: Mortgage

Contour Mortgage who is a XXXX approved lender has been holding up the loan with minor details. I have extended the purchase twice with the seller and now moving into a third extension, which will now cost me $ XXXXday until the closing. Numerous attempts to rectify any and all problems, but emails and phone calls go unanswered or fall upon deaf ears if a human is reached. I have been jumping through hoops to find out there are more hoops to jump through. I have satisfied all request only to find it was not good enough or they need documents that were already sent. Some documents have been sent 2, 3, and some 4 times. They do not follow the XXXX guidelines.
Product: Credit reporting, credit repair services, or other personal consumer reports

I show XXXX inquires on my equifax report that should not be and was not performed by me, I have requested by certified letter XX/XX/XXXX with copy of companies that they do not belong to me, they have refused to remove off report. 
XXXX- XX/XX/XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX Social security number XXXX Date of birth : XX/XX/year> Chexsystems  Consumer Id XXXX Contents of complaint : This CFPB complaint has been filed to request per to FCRA 605 B ( 15 U.S.C. & 1681-2 ) that you, the Chexsytems Concumer reporting Agency, block information appearing on my sonsumer report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fradulent, inaccurate, and false information of a check between XXXX XXXX XXXX with no charge off amount. I have attached a consumer report by you which shows the fraudulent account have no recognition of. I have attached a copy of a photo id and XXXX. I have attached a FTC complaint and proof of a police report ( XXXX XXXX ) XXXX XXXX
Product: Credit reporting or other personal consumer reports

It has been a battle going through this and I am sending another complaint to delete the following fraudulent items in my file. The items I want to be deleted are listed in the report. I am a victim of identity theft and did not make the charge nor items. I ask that the items be deleted to correct my credit report. I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore I request that you immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b. Please help me delete the following items as soon as possible : XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Complaint Against TransUnion for Failing to Correct Inaccurate Late Payment Information on Credit Report Dear CFPB, I am filing a formal complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report. Despite multiple requests for correction, this issue remains unresolved. Below is a summary of the errors and discrepancies associated with my account : Summary of Errors and Discrepancies : Inaccurate Late Payment : TransUnion and XXXX are reporting a 30-day late payment in XX/XX/year>. This information is incorrect as all payments were made on time, supported by the attached evidence, including bank statements and account transaction records. 
Inconsistent Reporting Across Bureaus : While XXXX corrected the late payment after my second dispute on XX/XX/year>, TransUnion and XXXX continue to report the error. 
Failure to Verify and Update : The credit bureaus failed to adhere to their responsibility under the Fair Credit Reporting Act ( FCRA ) to ensure the accuracy of consumer information. This includes not properly investigating or correcting the dispute. 
Background : I initially disputed the inaccurate late payment on XX/XX/year> and submitted a follow-up dispute on XX/XX/year>. While XXXX promptly resolved the issue by removing the incorrect late payment, TransUnion and XXXX have neglected to make the same correction, causing undue harm to my creditworthiness. 
Violations : FCRA Violations : According to 15 U.S. Code 1681i, credit reporting agencies are required to ensure the accuracy of information in consumer files. The continued reporting of an inaccurate late payment violates this requirement. 
TILA Violations : The Truth in Lending Act mandates accurate and timely disclosures. The erroneous late payment reporting has caused financial harm and reputational damage. 
Protection Against Non-Payment of Obligations Act ( PAANL ) : This act emphasizes the responsibility of creditors to provide timely statements, which has not been upheld in this case. 
Desired Resolution : Immediate removal of the inaccurate late payment notation from TransUnion and XXXX. 
Written confirmation of the correction from XXXX. 
Assurance that my credit report is updated to accurately reflect my payment history across all bureaus. 
Failure to resolve this issue promptly will leave me no choice but to escalate my complaint further, including legal action and filing additional complaints with relevant agencies. Please address this matter urgently to prevent further harm to my credit profile. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I would like TransUnion to take accountability for its failure to update my credit file accurately and to stop claiming that the information is accurate when it is not. Over 120 days ago, I sent the same request to all creditors listed, as well as to XXXX, but my file has still not been updated correctly. I have not received an updated response from XXXX or any of the creditors listed. 

I also requested the original contracts as proof from the collection agency representing the original creditor, but I have not received anything. XXXX has overlooked this issue, and they should be held accountable for their lack of response and failure to provide updates. 

I am requesting the removal of the listed creditors due to violations of my rights. Specifically, I ask for all accounts to be deleted from my credit report because they have multiple violations of the Fair Credit Reporting Act. 


Account name : XXXX Account XXXX, XXXXXXXX XXXXI- Account XXXX, XXXXXXXX XXXX- Account number : XXXXXXXX XXXX- Account XXXX : XXXX, XXXX - Account number : XXXX, XXXX Funding - Account XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX- Account # XXXX, XXXX XXXX XXXX Account Number : XXXX XXXX has violated my rights.
Product: Debt collection

Hi I'm XXXX XXXX, I was have insurance with the general insurance and im never receive any mailing to know how I pay and after that they send it in XXXX XXXX, I need to dispute with them the account number XXXX and apologize thank you my phone number XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing to request an investigation of the following information on my credit report : The charge-off of an obligation with XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXXXXXX are not mine ; I am not responsible for these accounts ; I am a victim of ID theft. 
People have used my information to open them and make fraudulent activities. 
To further support my claim, I have attached documentation including : the police report from the identity theft complaint, also my Driver license to verify identity
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX BANK XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and TransUnion decline to correct their reports ... I have contacted the creditor, and I was told that they actually informed XXXX and TransUnion of the inaccurate info ; yet they both will not remove the negative account ... and the creditor said XXXX and Transunion only recently contacted them ... However, I have disputed this account 3 or 4 times ... my rights and F.C.R.A. law is being violated ... Neither one of them will give me a document or name of so-called verifier of data, because he or she does not exist ... Yet XXXX has removed the account ... 



XXXX Date Submitted XX/XX/2018 Report Number XXXX Account Number XXXX Company XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The reporting of this account is in violation of the FCRA for the following reasons : XXXX. ) I XXXX XXXX never received an original Validation Letter from this debit collector or said original creditor. The Debit Validation was never validated with my notification or my acknowledgment of said debit. XXXX. ) This debit is being report as a payment. Charge- offs can not be reported as payments. XXXX. ) Credit pulls were done XXXX XXXX and XXXX XXXX was done without my consent. 

Also XXXX XXXX pulled my XXXX and Experian credit report on XX/XX/XXXX without my knowledge or consent. XXXX XXXX then reported this account to my credit report on XX/XX/XXXX. XXXX  XXXX and XXXX XXXX have been monitoring my credit from XXXX XX/XX/XXXX all dates after this alleged account was charged-off since XXXX according to documents supplied to the CFPB. Also the XXXX XXXX account was closed on my XXXX report in regards to my dispute. 

The reporting of this account is in violation of the FCRA. One violation in particular is the : FCRA, 15 U.S.C. 1681s-2, and the associated regulations, known as the Furnisher Rule, at 16 C.F.R. 660.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score dropped 38 points with XXXX on XX/XX/XXXX and 44 points with Transunion on XX/XX/XXXX. I am trying to rebuild my credit from a failed business venture. The only 2 things I did in the last 2 months is pay off a XXXX dollar balance owed on a credit card and paid XXXX on another. Nothing else has changed on my credit report. My scores were just at the minimum 580 to get a mortgage loan but now they are back at the 540 and 550 levels. I have done nothing except pay off debt. My scores should not have dropped like that for something that improves my credit and shows good payment history. I think the credit reporting agency 's are mishandling my credit which is keeping me from moving forward with my credit progress.