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

Two accounts showing from XXXX appear on my credit report. I have NEVER had an account with XXXX XXXX other than a XXXX XXXX XXXX. In fact, I have attempted to get a card with them for many years and have always been denied. 

I have spoken with Customer Care multiple times and been assured that since these accounts were a result of identity theft, I would not be responsible, yet still show these on my credit report / get copies of the balances due in my email.

These notices continue to say " FINAL REMINDER '' yet... they continue. I've been getting final reminders for several years now. All on a balance that I do not owe.
Product: Credit card

I am writing to file a follow-up complaint regarding my previous case with Bank of America ( case number XXXX ). Despite my earlier efforts, my issue remains unresolved, and I need immediate assistance to address this problem. 

What Happened Today ( XX/XX/year> ) : Today, I called Bank of America to follow up on the dispute concerning an unauthorized {$69.00} charge from XXXX. I was transferred multiple times and left on hold for over an hour, yet no one was able to provide any assistance or a solution to my issue. This lack of support and the excessive time spent waiting has left me frustrated and unable to resolve the dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX  XXXX {$7000.00} XXXX XXXX {$7000.00} USDEPTED XXXX {$2100.00} USDDEPTED XXXX {$1700.00} USDOEXXXX  XXXX {$4500.00}
Product: Debt collection

On XX/XX/19 the debt collector called 3 times within an hour. After my husband answered, they would not give a company or employee name, simply that they are " Account Services. '' On XX/XX/19 the debt collector called twice in a row, lending to the belief that something was amiss. As I'm home alone, I quickly answered to a number without a name ( a.k.a " unknown caller. '' ) The person asked to speak with my husband, and after asking who they were, I was told they are " Account Services '' and they need to speak with him. After asking what it's in regards to, the man calling said " is he home or not? '' I then asked if he was a debt collector, to which he responded he could not discuss anything with me. To which I responded it is illegal to call back to back ; that it's considered harrassment. He said " ha, uh yeah thanks for your help '' and hung up on me.
Product: Debt collection

In response to complaint no. XXXX. The Consumer Financial Protection Bureau has communicated that Deutsche Bank has implied " the complaint does not belong to them ''. See attached XXXX XXXX naming Deutshe Bank, but most importantly see COMPLAINT naming Deutsche Bank. If you carefully review the complaint filed on XX/XX/XXXX, you'll find that the loan modification naming XXXX was unrecorded. See also recorded copy dated XX/XX/XXXX. If you can read XXXX than you know the complaint NAMES DEUTSCHE BANK AS THE MOVING PARTY IN THE FORECLOSURE ACTION. DID WE MISS ANYTHING HERE CONSUMER FINANCIAL PROTECTION? DID WE? Deutsche Bank now wants to minimize their involvement on this case because a complaint has been filed with the XXXX XXXX OF XXXX FLORIDA IN CONNECTION WITH PUBLIC CORRUPTION. DEUTSCHE BANK LEGAL COUNSEL ILLEGALLY RECORDED THE INSTRUMENT. BANKS LEGAL TEAM ENGAGED IN PUBLIC CORRUPTION WITH THE XXXX XXXX XXXX The bank has been evading the taxes due on Intangible instruments. See loan modification dated XX/XX/XXXX, the lender did not pay the imposed taxes by the state until XX/XX/XXXX. That's tax evasion. You paid the taxes on XX/XX/XXXX because our legal counsel made the court aware on XX/XX/XXXX, when we moved for summary judgment against you, otherwise it would have never been paid!!!! ( 9 years passed!!! ) Your legal counsel became disparate and illegal filed the instrument. XXXX XXXX XXXX office will not accept copies of mortgage but original and reflecting original notarization. The instrument was even notarized yet it was filed. Your legal counsel caused to pay someone at the XXXX recorders office to have recorded the instrument illegally. Please know that the matter is being investigated by the DOJ because the issue falls under public corruption. You and your fraudulent legal counsel should know that in the UNITED STATES OF AMERICA the only thing for sure " DEATH AND TAXES ''. No one in our Country can evade taxes & engaged in public corruption, then tell the court we have standing. You are full of XXXX Deutsche Bank and everyone in your organization. The treasury and multiple agencies are reviewing multiple complaints against you for public corruption.
Product: Debt collection

NATIONSTAR MORTGAGE LOAN NO. XXXX IS REPORTING TO CREDIT BUREAUS AS FORECLOSURE AND JUDGEMENT AS OF XX/XX/2014, THIS LOAN WAS TRANSFERRED, THIS FALSE REPORTING ISIN VIOLATION OF DODD-FRACK ACT, FDCPA, F.C.R.A RESPA ETC..
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I was affected by the 2017 Equifax hack. I checked on the website  and it told me that : "Based on the information provided, we believe that your personal information may have been impacted by this incident."
Product: Credit reporting or other personal consumer reports

My federal student loan servicer is mohela. There was a transition of mohela so they would have more oversight by federal student loan agency. 
Now my same debt is showing up twice in my credit report. 
One reported at " federal student loan '' and once reported by " mohela ''. 
I contacted XXXX and they stated I must reach out to the company reporting directly. I contacted federal student loans dept and they stated they do not report to the credit bureau and only my servicer reports. I can only assume that mohela was reporting and continues to report an that now under the new agency they created they are also reporting. 
My debt to income ratio is impacted as this doubles my debt prevent in g me from moving on with financial transactions that would typically be approved by a bank but are currently not. I have notified Mohela about the problem. 
Mohela is not rectifying the issue despite my account being completely transferred to their new platform 3 months ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reaching out to the CFPB today about illegal activities that Equifax is engaging in concerning my credit report. They have a XXXX XXXX posting on my credit report under the account # XXXX in which I will attach the documentation concerning this dispute. It has taken them well over 30 days to respond to me in which I sent a dispute XX/XX/2022 and they are just getting back to me now XX/XX/2022. That is well over 60 days and they responded with a stall tactic they told me that they need identification verification when I sent my driver license and social security card so that response that they generated is invalid. This company fails to do their job so I have to escalate this issue to the CFPB. Not only do they send me that they require my driver license, and XXXX card that I already provided them countless times as this dispute as been going on well over a year. I requested investigative procedures concerning this XXXX XXXX  account under # XXXX and they fail to provide that and furnish consumer information which is against their policy and my request as the Original Creditor. They are saying under 605 ( C ) of FCRA law that this account is mine and they are going to do another reinvestigation but where is the proof under 605 ( C ) that I was the one that obtained goods and services for this account. I have not been provided any proof that of this in which Equifax is taking sides with XXXX XXXX instead of doing their thorough job and investigation which is the reason why they are in a probe in the first place for furnishing incorrect credit reports and wrong information. Not only this I disputed an inquiry on my Equifax credit report a XXXX inquiry dated XX/XX/2022 and it was the result of identity theft and fraud in which I did not apply for this account or have any business with this lender/bank. The day after I submitted the dispute EQUIFAX told me that they completed this investigation within 1 DAY and that it was verified as accurate which is completely incorrect and falsified information. How is this fraudulent inquiry verified not only that how did they come to the conclusion within one day and it is under my understanding that any fraudulent activity that is on my credit report must be REMOVED upon notice to the credit bureau unless they can provide information that it is VERIFIED Which they did not allow me.
Product: Vehicle loan or lease

Loan was requested for a new RV thru XXXX XXXX ( Essex credit ). The day after the loan was funded ( XXXX ) I recieved a call from a stranger in NY ( XXXX ) miles away stating they had recieved all of my personal information in the mail, from XXXX. At this point the stranger in New York is able to tell me my wifes and I Social Security numbers, address, wages and anything else that one would hope a bank wouldn't carelessly give out. I immediately reached out to the loan officer XXXX XXXX and explained that I was very upset that they would let this happen, and I expected some answers. XXXX said I would hear somthing back from his boss the next day. A week went by and I never heard anything, so I called XXXX back and he gave me his bosses number. I called XXXX 's boss and he said that they were sorry but it was just a human error ( he didn't seem to take it as serious as I think it should be ). He did say that i would be recieving something in the mail explaining what they were going to do about the error. As of today XXXX I have never recieved any letter or even a phone call to explain what's going on. The bank gets off free and will still get thousands of dollars in interest with no consequences to the damage that has taken place because of their misstake.
Product: Mortgage

We bought our current house in XXXX XXXX  XXXX and put down 5 % knowing that once we sell our old house we would be able to do a loan recast/recalculation to remove the PMI since we knew once the money would transfer we would own more than 20 % of the value of the house. The original loan value was {$490000.00}. Purchase price was {$520000.00}. It appraised at {$520000.00}. 

We started the recast process in XXXX XXXX  XXXX. On XX/XX/XXXX we transferred {$290000.00} to Specialized Loan Servicing LLC ( SLS ) to cut our mortgage in half, which in turn would remove the PMI. ( See attachments ) It took SLS until the beginning of XXXX to complete the loan recast. On XX/XX/XXXX the loan value went down to {$190000.00}. 

On XX/XX/XXXX I sent an electronic letter asking how to have PMI removed and also if they could reevaluate the escrow being collect as my calculation showed they were overcharging for county taxes. They replied back that the loan did not have PMI and the escrow would be reassessed in XXXX. ( See attachments ) In XXXX XXXX  XXXX I noticed we were still being charged PMI. 

On XX/XX/XXXX I sent a letter asking for PMI to be removed and to repay back each month that PMI was collected after the date the account hit the 20 % mark. I made reference to the Homeowners Protection Act of 1998 stating that PMI must be stopped once the 20 % value of the property is hit and any extra payments should be paid back. Their reply back was that they will stop PMI 30 days after receiving the letter per law. They did refund the over escrow amount in XXXX XXXX  XXXX but not the over charged PMI. 

I made another attempt on XX/XX/XXXX to ask if they will refund the over collection of PMI. I again stated from The Homeowners Protection Act of 1998 that PMI should be stopped when the mortgage reached the 20 % mark and should be paid back. Their reply again was to deny repayment and they were not obligated by law to stop PMI payments unless asked. 

I was charged on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I was charged {$86.00} for the PMI despite having more than 20 % in equity. The concerning part is they charged PMI a second time in XXXX.
Product: Debt collection

To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX ( PENDRICK CAPITAL PARTNERS II LLC ) I would like to see proof of claim in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of Pursuant of U.C.C. - ARTICLE 3 -3-501 ( b ) 2 ( 1 ), I am entitled to demand presentation of the negotiable instrument. That demand is hereby ordered. I demand that you present for my visual inspection MY ORIGINAL WET INK SIGNATURE PROMISSORY NOTE and allonge in XXXX County. This is required to establish your right of enforcement as Holder in Due Course via a chain of assignment as evidenced by the Note or Allonge. Claiming to be the the holder in due course as a statement is insufficient proof of status and is/will be rejected. A photocopy of the documents is insufficient proof as it does not answer the question of who CURRENTLY is the rightful and lawful holder in Due Course.XXXX XXXX XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX XXXX XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.XXXX XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there were REPOSSESSION and CHARGE OFF accounts on my credit report. This is disappointing because I have been paying Identity IQ to get a report every month and I have been disputing fraud accounts on my credit report all this time, well as this incorrect information on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX and XXXX ). I have never with these accounts listed below, so please help me remove these charge offs and repossession, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and My SS Number are all included in this written request. Please help me resolve this issue as soon as possible. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7000.00}, XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. 

Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau XXXX and XXXX XXXX XXXX XXXX XXXX Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my Utility Bill, drivers License, and My SS Number as verification of my ONLY address.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen in XXXX since then Ive been seeing a lot of unauthorized inquiries and accounts. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX XXXX BLANCE {$150.00} : XX/XX/XXXX XXXX XXXX XXXX  BALANCE REPORTED {$580.00} : XXXX XXXX, XXXX Charged off XXXX XXXX XXXX REPORTED {$580.00} : XX/XX/XXXX Charged off XXXX XXXX XXXX XXXX XXXX REPORTED {$190.00} : XXXX XXXX, XXXX Charged Off XXXX XXXX XXXX XXXX XXXX REPORTED {$520.00} : XX/XX/XXXX XXXX XXXX - XXXX XXXX REPORTED {$1900.00} : XX/XX/XXXX Charged Off XXXX XXXX REPORTED BALANCE {$260.00} : XX/XX/XXXX Charged Off XXXX XXXX REPORTED BALANCE {$1000.00} : XX/XX/XXXX Charged off XXXX  XXXX XXXX XXXX XXXX XXXX REPORTED {$110.00} : XX/XX/XXXX Charged off XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$2100.00} : XX/XX/XXXX Charged Off XXXX REPORTED BALANCE {$240.00} : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX  XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX  XXXX  Inquiry : XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX
Product: Mortgage

Truist bank my mortgage company who also holds my escrow funds. They have not paid my property taxes for the year. My taxes are late and I have penalties of over a XXXXXXXX XXXX because if theyre neglect. I went to bank in XXXX to talk to bank manager they told me to talk to settlement company which was incorrect. I talk to XXXX XXXX tax collector, he stated the tax bill was sent electronically to Truist bank and they are responsible for the late payments and property taxes being unpaid. I call Truist bank on XX/XX/XXXX and XX/XX/2022. They told me my they received tax bill and dont know why they were not paid. They said they will do a 15 day investigation. My taxes are unpaid and late fees are piling up.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure RESOLUTION As a consumer, by law my credit report must be made 100 % accurate immediately by the credit reporting agencies updating and/or deleting the accounts listed in my dispute letters attached. Thank You
Product: Credit reporting or other personal consumer reports

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

UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

XXXX, Equifax XXXX XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable re-investigation of disputed information on my credit report, leaving inaccurate or unverified accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX XXXX Equifax alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX XXXX Equifax has niether corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX and Equifax 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

JPMCB Card was opend on XXXX XX/XX/2024 for this company and it is an unauthorized inquiry ..... 
I formally request that the following inaccurate items be immediately investigated. 
They must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act ( FCRA ) ,15 USC section 1681i, I will expect you to complete the verification within 30 ( thirty ) days.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX date of first complaint CFPB XXXX I originally tried to get XXXX to remove this wrong information. See file number above. XXXX, said they were no longer reporting the information. The first collection agency sent the account to another collection agency. Now it is XXXX and legally past the statute of limitations. XXXX and the new Collection are reporting wrong information like the date of the last pmt was XX/XX/XXXX when the account was closed in XXXX. These should be removed. XXXX tried to tell me it was a different account but either way. it is past the statute of limitations and they are trying to re age the date on the collections. can you please help. I have attached the complaint and other files. I am not sure if the complaint is referring to the account below but i have attached it. Also it is irrelevant as the account is just invalid as it is past 7 years and they both are reporting wrong information. The last payment made on this account was XX/XX/XXXX. Date of first delinquency is reporting XX/XX/XXXX and date of last pmt is reporting XX/XX/XXXX. I never made another payment since XX/XX/XXXX. 

XXXX XXXX XXXX XXXX Collection agency NCB MANAGMENT SERVICES XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX
Product: Mortgage

PHH Mortgage In XXXX due to XXXX I lost my job. So, I called PHH Mortgage and I requested to go into Forbearance. I was denied. In XXXX So, next I asked for a Loan Modification. I was told that that XXXX XXXX  refused for a Loan Modification.!! Now, they are Foreclosing on my Home. They have a Sale date on XX/XX/XXXX.