23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian Dispute Department po box XXXX XXXX, Texas XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Mortgage

I have been receiving poor customer service from Bank of America the whole time they have been my mortgage loan lender. I purchased my home on XXXX for {$610000.00}, which was split into XXXX loans- {$490000.00} and {$120000.00}. Within a year of purchase I unfortunately was going thru divorce and bankruptcy ( Chapter XXXX ) proceedings ; both concluded in XXXX XXXX. I also had initiated a mortgage loan modification prior to the Court granting the Chapter XXXX Bankruptcy in XXXX XXXX. My mortgage loans were included in the approved bankruptcy. However, Bank Of America did not grant any loan forgiveness or principal reduction. Much later, on XXXX XXXX, XXXX, a loan medication was approved by Bank of America consisting of adding late and penalty fees to my initial XXXX principal mortgage loan of {$490000.00} mortgage loan resulting in a {$28000.00} increase ; XXXX principal balance of {$520000.00}. The terms included an adjustable interest rate change for the following 8 years from 2 % to 5 % and a balloon loan of {$140000.00}. Bank of America was threatening to foreclose my property and out of fear I agreed on the outrageous loan modification. In XXXX XXXX, I requested a loan modification, which was denied on XXXX. 
As of XXXX XXXX, XXXX, I have received a yearly mortgage loan payment rate increase, which has caused me significant financial hardship and to accrue a lot of debt. On XXXX, I advocated for principal loan balance reduction, as I had calculated that I had paid almost {$300000.00} between the XXXX mortgage loans ; however, my mortgage loans only had a {$22000.00} balance reduction. My pleas and supportive evidence were ignored and I did not receive a principal mortgage loan reduction, interest rate reduction, and/or monthly payment reduction. 
At this time, after a nine year period of paying my mortgage, my balance of loan is {$440000.00} ; only {$44000.00} ( 8.9 % ) decrease in nine years. I am not at all close to paying 30 % of this mortgage loan, which is due to how Bank of America has processed my mortgage loan and their unwillingness for a reasonable loan modification despite this debt being included in my bankruptcy. 
In less than a month, my mortgage payment will increase from {$2700.00} to {$2900.00} and I am not sure how I am going to be able to pay my mortgage on a monthly basis. If I would have been granted a reasonable modification, I would not be having this severe hardship.
Product: Consumer Loan

Yes the company is coming to my home leaving mail stating field visits to me. To collect I find this to be harassment and unorthodox and scary.Also they call all the time constantlety through out my work day
Product: Credit reporting, credit repair services, or other personal consumer reports

To CFPB, thank you for the information you gave us on this matter, we previously sent a complaint to Experian # XXXX concerning old bogus addresses. I have not been punctual in getting back as quickly as I would like to because of my medical issues that I'm having with XXXX   being in and out of the hospital. In Experians response to us they indicated that they were taking care of this issue in a non monetary way and would remove the old bogus addresses and went as far as to send us another copy of my credit report showing only the correct address but did not show the others had been deleted as they state in their paper work description definitions such as " Updated, investigated, or deleted '' we have federal rights to this knowledge and Experian has a legal obligation to comply with the law, but once again they did not.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX XXXX XXXX XXXX XXXX XXXX ) for reporting multiple inaccuracies regarding my account. These inconsistencies are misleading and damaging to my credit profile. 

Company Name : XXXX ( XXXX XXXX XXXX Lender ) Company Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX in Reporting : 1. Conflicting Account Opening Dates Across Different Credit Bureaus : One credit bureau reports the account was opened on XX/XX/XXXX Another credit bureau reports the account was opened on XX/XX/XXXX This inconsistency violates the Fair Credit Reporting Act ( FCRA ) 1681e ( b ), which requires accuracy in consumer reports.

2. Contradictory Payment and Account Statuses : The account is reported as Current and Closed at the same time.

One report states 60-89 days late, but another shows Current.

This creates confusion and is a clear violation of 1681s-2 ( a ) ( duty to furnish accurate information ).

3. Inconsistent Closure and Charge-Off Dates Across Different Credit Bureaus : One credit bureau states the account closed on XX/XX/XXXX, with a last payment on XX/XX/XXXX. 
Another report marks the account as charged off as bad debt and a profit and loss write-off. 
An account can not be closed and charged off simultaneously. This violates the FCRA and creates misleading reporting. 

Applicable Laws Supporting This Complaint : FCRA 1681e ( b ) : Duty to Ensure Maximum Possible Accuracy ( Conflicting reports violate this law ) FCRA 1681s-2 ( a ) : Duty to Provide Accurate Information ( Bureaus are reporting different dates ) FCRA 1681s-2 ( b ) : Duty to Investigate Disputes Consumer Financial Protection Act ( CFPA ) Prohibits Deceptive and Misleading Practices 1681e ( b ) : Duty to Ensure Maximum Possible Accuracy ( Conflicting reports violate this law ) 1681s-2 ( a ) : Furnishers must report accurate information 1681s-2 ( b ) : Duty to investigate disputes
Product: Bank account or service

I was enrolled in the direct express debit card where social security benefits can be received I was mugged on XXXX XXXX and my card and cellphone along with all my Medicare medical and i.d . we 're taken which I had in my wallet I am XXXX XXXX I also am XXXX so it 's difficult to remember pin number was on a paper inside pocket of wallet the people who mugged me went and made a transaction that was in the amount of {$980.00} and I contacted the card company filed a dispute gave clear explanation to incident they set up matter for investigation I was sent a letter asking me for additional details I sent a letter with atmosphere information and the amounts withdrawn from the car XXXX transaction and I waited for a reply from the company they had decided that no incident occurred and said they were not liable for any of the following transactions and would not be reimbursed so I asked for appeal with the results I also filed a complaint with XXXX then was contacted by a employee who is in charge of the investigation team then she said she would help resolve this matter she then mailed my account activities for the month of XXXX and XXXX showing withdrawalsome on XXXX XXXX for these amounts {>= $1,000,000} I had gave a full report to her about what took place the night of the mugging also told her I had no phone to call notified them within 2 days of incident she got in touch with me telling me in order to get the results of reimbursement of funds I was going to have to provide additional information I told her that I only had the purchase record of the cellphone I got in XXXX the carrier name me XXXX and she told me I need to get video for atmosphere machine or security recordings of place where atmosphere is located at I know I ca n't obtain anything like that in any need now I have been calling the person who is doing this matter and she ignores calls I left messages no replies and sent emails no response I want you to assist in recovering my funds from this company please contact me ok
Product: Credit reporting, credit repair services, or other personal consumer reports

I leased a XXXX XXXX through XXXXXXXX XXXX XXXX. The vehicle was totaled by a party that unfortunately was XXXX XXXX XXXX XXXX XXXX 
Because the vehicle was totaled at no fault of my own the other parties insurance. Paid for the remaining of the vehicle. I inquired through Experian, XXXX XXXX, XXXX, and XXXX on the information has been provided on my credit report. All three credit bureaus did not give me anything worth substance. XXXX never responded at all. I sent out certified letters, requesting all information and regard to this debt.
Product: Checking or savings account

I had multiple declined transactions on my card on XX/XX/year>, and over the last week- I received no notifications from Chime. I had disputed a small {$21.00} transaction last week. This morning I had an email saying they 'found no error ' and would not credit my account - that the dispute was being closed. I called customer service and they have locked down their call line so you can not reach an actual person. I had to choose file a new dispute to get through. That in itself is a problem- when I have thousands in my account and can't access my funds. When we looked at my account, my active debit card had been removed from my account altogether! The rep then proceeded to tell me that, because of XXXX of the Answers on my dispute form, they had canceled my card! Even though I received no notifications or option to keep my former card! This was not a fraud dispute at all. Their form has a multiple choice answer with XXXX vague descriptions that rarely match your transaction issue. They give you no open data entry place to describe your issue. Then they just automatically deny your dispute. When I asked her why they did not contact me before canceling my card, she just read a rote answer about their dispute process and hung up on me. I called XXXX times and received no answers or apology for all the inconvenience. More hangups, like a scam.
Product: Debt collection

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against ENHANCED RECOVERY CO. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Product: Debt collection

There is a collection on my XXXX report from Waypoint Resource Group , LLC regarding a XXXX XXXX bill in the amount of {$430.00}. It says it is for an XXXX XXXX XXXX account. I already disputed this account with XXXX, and they told me that the account was verified as accurate. This is not my account. 

This account is a fraudulent account. I do not have a XXXX XXXX account that is in my name. I am a victim of identity theft. Please remove this account immediately from all 3 of credit bureau reports : XXXX, XXXX, and XXXX.
Product: Credit reporting or other personal consumer reports

I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these lists of inquiries removed from my credit report. With FTC report Here are the inquiries listed below. 
Account Inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX - XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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. 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accuracy. 
I've tried to resolve this account with the reporting agencies but they have been driving me in circles.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

my late partner opened up a discover card under my name and social security number ran up a XXXX debt, which i had no idea, and now i am being sued for that debt. i should not have to pay this. as it was my partner who died in 2017.
Product: Credit reporting or other personal consumer reports

am filing this FTC Identity Theft Affidavit to report XXXX fraudulent inquiries appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent inquiries consist of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These inquiries have resulted in several fraudulent hard inquiries appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all inquiries activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. CFPB Complaint against Credit Reporting Agencies Transunion Consumer Name : XXXX XXXX XXXX, Social Security Number XXXX XXXX Consumer Date of Birth : XXXXThis CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information. This have resulted in several fraudulent hard inquiries appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned hard inquiries as reported. The aforementioned, hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit hard inquiries are the result of identity theft and fraud. What would be a fair resolution to this issue? I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the credit reporting agency block all of the hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to XXXX XXXX
Product: Debt collection

Starting in XXXX of 2022 I received my Capital One/Walmart credit card statement with my full balance payment plus additional charges made via an online purchase for grocery items on XXXX separate dates for @ {$800.00} after the date of my last purchase and full account balance payment. These fraud charges were made for items to be picked up at a Walmart location in the State of Florida. After seeing these fraud charges I contacted Capital One Credit Fraud Department and reported the theft to a rep in the Fraud division. After reviewing the card activity the Rep instructed me to not make any payments to the account and that this would be resolved. He also went on to state there would be a revised statement sent to me with the theft charges dismissed. I later received a statement from Capital One /Walmart with these fraud charges still on my account with additional late payment fees. For the record the fraud orders for the groceries made on the XXXX separate dates where each cancelled. There was no exchange of merchandise made on either bogus orders. During the previous XXXX months I have on numerous occasions contacted Walmart and Capital One Reps to resolve this issue and each time had to explain in detail my hacked account. Capital One has been nothing but short of impossible to fix this and even implied that I made these charges. I cancelled my account with Walmart/Capital One and will not be doing business with either again. After XXXX plus years as a loyal customer and never a late payment there can be no words to describe how these business practices are allowed. There should be criminal charges investigated related to this event.
Product: Mortgage

us bank mortgage keeps giving me the ran around about my final modification, i just completed my 3 month trail period, and now they will not send me the final modification paper work, I have called everyday and still get the ran around from very person I speak with. I am assigned a relationship manager, but they are never available to speak with me about my mortgage account, and every person I speak with at us bank home mortgage have little knowledge of what they are doing, and can never give good information, they just keep suggesting that I made a mortgage payment of {$910.00} until my final paperwork is sent out and I am not going to keep giving them money and have no final modification amount set for me to pay yet. US BANK HAS HAD MORE THAN 45 DAYS TO GET T HIS INFO OUT TO ME, BUT OF COURSE THEY ARE SAYING THAT IT IS IN THE FINAL STAGES, BUT NOTHING DEFINITLEY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to correct my personal information. I have incorrect names address still reporting. I have sent my ID as proof of my name and address and they still have not corrected the information.
Product: Credit card or prepaid card

XX/XX/XXXX was charged {$1000.00} by XXXX XXXX a tshirt/souvenir store we made a legitimate purchase of {$38.00} while on vacation in XXXX XXXX GA XXXX 

Called Chase sometime between XXXX and XX/XX/XXXX when I noticed {$1000.00} charge and was told to close card and I wouldn't be responsible. 

Got new card in mail. 

XX/XX/XXXX {$1000.00} refunded to account XXXX {$1000.00} charged to account XXXX and {$1000.00} was refunded XXXX Letter in mail ( attached ) that investigating XXXX charged {$1000.00} XXXX with receipts stating charge valid XX/XX/XXXX called to dispute and was told case would be re-assigned to another investigatoXXXX XXXX in mail again stating found valid XX/XX/XXXX Called to dispute and was told a " Senior account Investigator '' would call XXXX Credit card balance XXXX No one ever called back, called and was told there is nothing Chase can do as the merchant sent receipts ( attached ) I tried right away in XXXX calling the store and there are no valid phone numbers I could find. Chase kept saying that since it was a chip card it had to be valid and I had to have made the purchase in person. I did not, I was not in the store a the time of XXXX shown on the receipt. The signatures aren't the same. I asked and Chase said they weren't able to reach anyone at the store either, they were basing it all ion the copies of the receipts. Besides the fact that I did not make the purchase, I mean there is nothing in the shop that costs that much, its a souvenir shop! And the charge is exactly XXXX, and no one will answer the phone, they have no website and the facebook page hasn't been updated in years. There are so many red flags. We don't live in that area, so I haven't been back to the store. I did call the local police in XXXX XXXX GA to ask if they could assist and was told no.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCKED AND REMOVED I urge you to take immediate steps to remove the unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize their inclusion. Please address this promptly.