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

I have new & updated information on XXXX, XXXX, and EQUIFAX. Someone is using my identity to furnish items on my behalf. XXXX, XXXX XXXX EQUIFAX don't have permissible purpose pursuant to 15 USC 1681b. On XX/XX/22 I filed an identity theft report with the fraudulent accounts attached and sent it to them. XXXX received it on XX/XX/22, XXXX received it on XX/XX/22, and EQUIFAX received it on XX/XX/22. Theyre in violation of 15 USC 1681c-2 for failing to block the reporting of the fraudulent items 4 days upon receipt. I will attach my Identity theft report and my proof of identity along with my statement of identity so no further stalling tactics will be used by them. They have all the identification they need to remove these items from my consumer report. 

They= XXXX XXXX EQUIFAX XXXX and XXXX XXXX XXXX, EQUIFAX, and XXXX
Product: Debt collection

I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company, ARS ACCOUNT RESOLUTION. I did not open or authorize the accounts that you report a balance of {$1700.00}. This fraud account was not opened by or used by me. I've never had an obligation to you or the medical companies you represent. Please send me written confirmation that I am not responsible for charges on this account and take appropriate steps to remove information about this account from my credit files. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft and is inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the FairCredit Reporting Act, 15U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. I also have enclosed a copy of the FTC'sNotice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am uncertain as to WHY these late payments are present..I must request under the terms of the Fair Credit Reporting Act, and Fair Credit Billing Act of 1975 that you provide me with an audited statement of my account for the last 2 years..If you can not supply, please remove this inaccurate information from my credit report.. Remove the late payments on XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit card account does not belong to me from XXXX XXXX, I want to remove this account from my credit report. It is showing up on my Experian and XXXX   report
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft. I sent XXXX, TransUnion, and XXXX my FTC report on XX/XX/2022. According to 15 USC 1681c-2, Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of 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.
Product: Debt collection

XXXX from Mariner Finance ( XXXX ) XXXX called me at my place of business at XXXX XXXX EST on XX/XX/19 after I asked them to stop calling me at my work number and they said in a prior call that they would remove the number from their records.
Product: Checking or savings account

XX/XX/XXXX - Checking account opened online at BMO Harris Bank with bonus offer code " XXXX '' which is a {$200.00} offer if 2 direct deposits of at least {$300.00} are made during the first 90 days of account opening. Offer stated that bonus would be applied within 120 days of account opening. ( I have attached the original email with the bonus offer and terms. ) XX/XX/XXXX - Direct deposit # 1 of {$300.00} posted XX/XX/XXXX - Direct deposit # 2 of {$300.00} posted XX/XX/XXXX - Last activity ( ACH withdrawal ) on account. {$0.00} balance XX/XX/XXXX - The 120th day of account opening, bonus should have posted by now. {$0.00} balance XX/XX/XXXX - XX/XX/XXXX statement ( XX/XX/XXXX-XX/XX/XXXX ) made available online. No activity in the statement, {$0.00} balance XX/XX/XXXX - I call BMO Harris to ask about the bonus. Rep says the offer code was not applied properly to my account and she will send the case to marketing team to investigate. She suggests I put some activity on my account to avoid account closure from inactivity of over 45 days. This is the first I 've heard of an inactivity closure. I thus send a {$1.00} ACH deposit to my account for XX/XX/XXXX from my XXXX XXXX XXXX checking account. 
XX/XX/XXXX - Account is closed without my knowledge XX/XX/XXXX - I notice my account has the status of " Purged '' when I login online. I call BMO Harris and ask rep to investigate why the account was closed. 
XX/XX/XXXX - XXXX XXXX XXXX says the {$1.00} ACH has failed because the BMO account is showing up as closed. 
XX/XX/XXXX - I call BMO Harris. The first rep explains that BMO Harris marketing team rejected my request to honor the bonus because I did not satisfy the requirements. Marketing claims that the requirements were to have a " recurring deposit deposit for at least 90 days from account opening. '' Rep then explains the account was closed for inactivity of over 45 days. I ask to escalate the account closure issue and he says there is no recourse for this. I repeat this with another rep and she tells me the same thing. I am told nothing can be done over the phone since the account has been closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXXXXXX XXXX Balance : {$450.00} ; ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$460.00} ; XXXX XX/XX/2022.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Mortgage

I HAD A SALE DATE ON MY HOME ON XXXX XXXX WITH NATION STAR MORTGAGETHAT WAS TRANSFER FROM XXXX XXXX XXXX, TO XXXX, FROM XXXX XXXX XXXX, I APPLIED FOR A LOAN BUT THE LOAN WAS TRANSFERRED, FROM XXXX PLACE TO ANOTHER, SO I REQUESTED " A QUALIFIED WRITTEN REQUEST '', BUT NEVER GOT ARESPONSE, BUT ACCORDING TO THE REAL ESTATE SETTLEMENT PROCEDURES ACT THEY ARE SUPPOSE TO SUPPLY WITH ALL DOCUMENTS PERTAINING TO THE REQUEST, BECAUSE I DO N'T KNOW WHO IS HANDLING THIS LOAN AND MY LOAN MOD REQUEST
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
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 HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 XXXXXXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

XXXX tiling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Texas XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 

Item # 1 : I dispute XXXX XXXX XXXX XXXX XXXX {$7800.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt.

Item # 2 : I dispute XXXX Balance {$0.00}, account XXXX. This account is paid in full and was paid as agreed. I have attached payment history. is not mines. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. 

Item # 3 : I dispute XXXX  XXXX XXXX XXXX {$24000.00}, account XXXX. This payment history is wrong. I have attached payment history XXXX  XXXX XXXX agreed to. Please delete this account. XXXX  XXXX XXXX did not report this account correct for more than a year.

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items.
Thank you for your prompt attention in this matter. 
Respectfully, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B necessitates the elimination of any erroneous accounts from my credit report. Would you mind reviewing the paperwork? Several of the mentioned accounts exhibit inaccuracies in terms of their reporting.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am formally requesting the removal of **incorrect and outdated personal information** from my credit file under **FCRA 1681i**, which mandates that credit reporting agencies maintain only **accurate and up-to-date information**.

**1. Incorrect Name Variations** Please remove any inaccurate or misspelled names that do not match my legal identity : - **XXXX XXXX  XXXX XXXX XXXX XXXXXXXX** - **XXXX XXXXXXXX Only my **full legal name** should be reported.

**2. Incorrect or Outdated Addresses** I request the removal of the following addresses that are outdated or incorrect : - XXXX XXXX XXXX, XXXX, TX, XXXX - XXXX XXXX XXXX, XXXX XXXX TX, XXXX - XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, TX XXXX XXXX Only my **current and accurate residential address** should be reflected on my report. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX XXXX **3. Incorrect Employment Information** The following employment records are inaccurate and should be removed : - **XXXX XXXX** - **XXXX** My employment records should either be **removed** as they are irrelevant to credit reporting. 

**Action Required** Per **FCRA 1681i**, I demand that you : Delete all inaccurate names, addresses, and employment records** immediately.

Update my file with only my correct and verifiable information. ** Provide me with an updated credit report reflecting these corrections. ** Failure to comply with this request will result in a **formal complaint** to the **Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) **.

I expect a response and an updated credit report **within the legally required 30-day time frame**.
Product: Credit card or prepaid card

Suntrust Bank is refusing to resolve a claim. 

1. Suntrust Bank accepted the dispute on XX/XX/XXXX. Document attached. 
2. They asked for more information and documents on XX/XX/XXXX. Document attached. 
3. I have submitted all the information and documents they have asked. 
4. They closed the claim on XX/XX/XXXX. Document attached. 

The reason Sunturst is giving while closing the case is very poor and irrelevant. They accepted the claim even after 60 days from the billing date and under review process instead of helping customer they are closing the case. It shows how poor is their customer service. 

I even talk to their supervisor/manager regarding the claim. They too are not interested in resolving instead they said i can close the account when i mentioned how other banks are always ready to help the customer. They are not willing to make any exception. I have given thousands of dollars of business every month. 

The dispute contains very high amount somebody like me. I would really appreciate if they can resolve this issue.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and I noticed an inquiry that do not belong to me. 

US DEPARTMENT OF EDU - XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the below company has violated my rights. 

XXXX XXXX XXXX XXXX Account # XXXX 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
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and XXXX incorrectly show me listed as a joint owner on the Caliber Home Loans mortgage account opened XX/XX/XXXX 

Attached is documentation confirming my ex-husband assumed the loan in XX/XX/ after our divorce. 

I filed a dispute with XXXX in XXXX, but they did not fix the issue. 

I tried calling Caliber Home Loans customer support, but since the account is now closed, I was unable to reach to anyone there to discuss the issue.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit reports from XXXX, XXXX, and TransUnion, I discovered that XXXX XXXX XXXX XXXX XXXX XXXX has reported as a collections account. However, when researching XXXX XXXX XXXX XXXX XXXX XXXX XXXX I found that they do not hold the required Third Party Debt Collector license from the Texas Office of Consumer Credit Commissioner as mandated by Texas Finance Code Chapter XXXX for debt collectors operating in the state of Texas XXXX 

As I am a rXXXX XXXX XXXX, any debt collection activity conducted in my state of residence must be done by properly state-licensed collectors according to the Texas Debt Collection Act. Since XXXX XXXX XXXX XXXX XXXX XXXX lacks the required state debt collections licensure in Texas XXXX I formally dispute this tradeline on my credit report and request that it immediately be removed. Reporting of illegitimate, disputed or inaccurate information to credit reporting agencies violates federal law, specifically the Fair Credit Reporting Act. 

Please investigate this disputed account from XXXX XXXX XXXX XXXX XXXX XXXX and remove it from my credit files immediately due to the lack of proper state licensure.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards to the incorrect items on my credit report. It has been well over 60 days and I have not received any investigation reports. This creditor has reported late payments on XXXX, XXXX and XX/XX/XXXX to my report which are incorrect and I am asking these late payments be deleted immediately or I will file for litigation due to the stress you caused me.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Ref CFPB Case : XXXX Capital One stated that XXXX charge of {$530.00} was not fraudulent. However, it was proven in a court of law that XXXX charge was fraudulent. 

Per communications with Capital One, I clearly showed that XXXX charge was fraudulent. Yet, Capital One ignored the proof. Their claim that XXXX charge was not fraudulent was based on a XXXX  Statement, which upon closer examination supported my statement that XXXX charge was fraudulent. See attached This is what I sent to consumer finance protection bureau.docx, which I sent on my first complaint to CFPB. 

Capital Ones solution to the fraudulent charge was for me to take XXXX to court. 

Upon researching XXXX charge of {$530.00}, I discovered that they had previously fraudulently charged me twice, once for {$59.00} and once for {$250.00}. Therefore, when I took XXXX to court, I asked for {$59.00} + {$250.00} + {$530.00} = {$850.00}. 

This was a no-brainer : The court awarded me {$850.00} + {$89.00} in interest. Note : I did not ask for interest on the {$59.00} + {$250.00} + {$530.00} ; the court decide on their own to award me the {$89.00} in interest. 

Attached are the results of trial ( XXXX ) and a copy of the check that XXXX sent me ( XXXX  ). It should be noted that these two pdf files were sent with the first complaint.
Product: Mortgage

In a letter dated XX/XX/XXXX Bank of America ( The Servicer for my loan, which is a Countrywide XXXX that XXXX XXXX XXXX XXXX XXXXXXXX owns or is the Trustee for ) wrote : " During a telephone conversation on XX/XX/XXXX, I discussed that in order to be approved for a payment deferral, your loan must be no more that 18 months past due. At the time of the call the loan was paid through the XX/XX/XXXX installment and didn't qualify as it exceeded the deferral program requirements. '' In XXXX and XXXX of XXXX I made a total of six months of payments in total to bring my total outstanding number of months down to 17 to qualify for the covid-19 deferral plan that I was told I was eligible for. I was told I was only eligible for 17 months of deferral because I had first applied in XXXX of XXXX for covid-19 relief and not in XXXX of XXXX. 

In XXXX of XXXX I was denied the 17 months of deferral on the grounds that XXXX XXXX XXXX XXXX XXXXXXXX  guidelines did not allow for a deferral in my case.

I was told to apply for a modification. After several months of submitting documents, that often got lost or did not arrive ( all sent by fax because the portal was not working ) to Bank of America I was told that I would be given a three month modification trial period but later told that I did not qualify for a modification because my income was too low. 

Several customer service representatives told me that did not make sense and that I should appeal and also file a complaint with the Ethics Department. On XXXX XXXX XXXX  Bank of America wrote in a letter : " Our records indicate we used the average of XX/XX/XXXX and XX/XX/XXXX rental income to calculate the gross monthly income of {$5200.00}. Please understand that when considering renal income, there is a vacancy factor of XXXX percent and debt services ... '' What does not make sense is that this is my primary residence and I do not rent it. Bank of America has taken the position that my income should be reduced by 75 % on the grounds that it is primarily rental income. If I chose to not take a salary for work that I do on rental properties but instead take the rental income rather than paying myself why is Bank of America allowed to reduce it by 75 %. 

The whole point of modifications is to prevent mortgage foreclosures ( As Senators XXXX and XXXX discussed in their XXXX Bill XXXX XXXX ) but here Bank of America is taking my income and reducing it by 75 percent. They have taken a monthly income of {$15000.00} plus/minus and reduced it to {$5200.00}. Instead of giving me a three month period to show that I can make the payments they are telling me that I can sell the house.