23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have been trying to get a loan modification with Bank of America for the last 3 years, since 2013, and every time they request for paper documents, I have sent on time and I think that 's it, Bank of America is going to start to review my case. But instead they send me a letter stating " We are no longer actively reviewing your application for loan assistance because we did not receive the requested documents. '' I have copies of the documents I sent and I also send the documents through registered mail and I am able to track it. When I mention this to Bank of America, they just claim that they did not receive it and to re-apply. I need to get a loan modification or else I will go bankrupt. What can I do to stop Bank of America to continually just claim, '' We did not receive the documents, please re-apply again ''. I need help. Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these inquiries were erroneous. The 3 credit bureaus must validate these inquiries in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting inquiries as unverified information without providing any proof within the period allowed by law. The following inquiries need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Consumer name : XXXX XXXX XXXX consumer XXXX : XX/XX/XXXX consumer social security # XXXX I am victim Of idenity theft and fraud/date breach and am attaching an FTC report # XXXX as proof.I have disputed this account with XXXX transunion and XXXX and have submitted an FTC report with each Complaint.Account name : XXXX  : account # XXXX opened on XX/XX/XXXX with a balance of {$63.00} according to the fcra 15usc1681 c-2 I am demanding that within 4 business days of receiving this complaint to block/delete this account from my consumer reports.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX ( same exact account as XXXX account Those accounts are fraudulent and I provided government document to prove my incarceration during these accounts being opened, I also spoke with XXXX on XXXX and they acknowledged receiving my FTC report but never removed any accounts. 
I also have a bunch of new inquiries that are fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Someone use my identification to open up an account with rozlinfingrp for {$1300.00} on XX/XX/2022 I did not do this
Product: Credit reporting or other personal consumer reports

I am submitting a complaint against Equifax for their failure to remove inaccurate accounts from my credit report, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). Despite providing the necessary documentation to provide the inaccuracies, Equifax has not fulfilled its legal obligations under the FCRA, including ensuring maximum possible accuracy of my credit report ( XXXX XXXX. XXXX ( b ) ) and conducting a proper reinvestigation to remove the errors within the required 30-day period XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have examined my consumer credit report, and this marks my second complaint to your agency. Unfortunately, the issue of inaccurate reporting persists across all three bureaus. Despite my consistent efforts to dispute the inaccuracies with Equifax, XXXX, and XXXX, the matter remains unresolved to this day. 

1. The following personal information is incorrect Former : XXXX XXXX XXXX 2. Under 15 US Code 1692f ( 1 ). Unfair Practices XXXX XXXX XXXX XXXX Account Number : XXXX 1. The following personal information is incorrect Former : XXXX XXXX XXXX. The following personal information is incorrect Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX  4. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 5. Under 15 US Code 1692f ( 1 ). Unfair Practices XXXX XXXX XXXX XXXX Account Number : XXXX 1. The following personal information is incorrect Name : XXXX XXXX XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3. Under 15 US Code 1692f ( 1 ). Unfair Practices XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

I contacted National Credit Systems on XX/XX/XXXX offering to settle the account for {$2000.00}. I received a call back from the agent who is in charge of the account ( Mrs XXXX XXXX stating they can not accept that and will send me a verification letter within the 15 days it is now XX/XX/XXXX and they never sent any verification letter. This is part of what my letter stated The letter will be treated as a contract and subject to the laws of my state. 
As granted by the Fair Debt Collection Practices Act, I have the right to dispute this alleged debt. If I do not receive your postmarked response within 15 days, I will withdraw the offer and request full verification of this debt. 
Please forward your agreement to the address listed above.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reason I am disputing this account is because I have never lived at XXXX XXXX XXXX XXXX. I asked for documents associated with my full social security number and the Bankruptcy documents showing that I am the rightful owner of this account. Without this information LexisNexis in volition of my rights and I am in the process of filing suit. Again my address is XXXX XXXX XXXX XXXX, XXXX  XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX. I have never resided at XXXX XXXX XXXX XXXX and I have not filed for any bankruptcies. Please remove all inaccurate information. I have sent a copy of my driver 's license and a dispute asking that all of this information be verified correctly. The information that was sent back to me was nothing proving that this information is correct and from a original source.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX AZ XXXX 2. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
3. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
4. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
8. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
9. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
10. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
11. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
12. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
13. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report.
Product: Money transfer, virtual currency, or money service

I opened a Venmo Account a few years back. I forgot I had the account and get a email reminding me on XX/XX/2021. I went in to check my account but it would not allow me to logon. I contact Venmo and explain I could not log on with my email, phone number or password. My phone number changed because I bought a new phone. Venmo sent different ways to try and get in but nothing worked, I am still locked out of my account. I made a new account and locked out of it and Venmo ask for ID I sent a copy of my social Security Card and Drivers License. I have tried to change the password but it ask for the old phone number to send a code I no longer have my old phone. I have money in my account and I can not retrieve the money. I have tried to wait on Venmo to continue to work with me on my account. Venmo went away and never came back.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I discovered several unauthorized hard inquiries that I do not recognize. I contacted the credit bureaus to dispute these hard inquiries and requested their removal. Unfortunately, the credit bureaus refused to remove them off my credit report. This issue is causing undue stress, and it's negatively affecting my financial standing. The following Hard Inquiries are unauthorized : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card or prepaid card

The Bank of America prepaid card Edd card is issued and I cant log into the bank account and pay for bills also the pandemic relief is not going through the account for deposit and someone else is using the card
Product: Credit reporting or other personal consumer reports

Consumer name : XXXX XXXX XXXX consumer dob : XX/XX/XXXX consumer social security : # XXXX This cfpb complaint has been filed to request pursuant to fcra 605b 15usc1681 XXXXthat you, experian credit reporting agency, block information appearing on my consumer credit report that is the result of idenity theft and fraud/data breach within 4 business days of you receiving this complaint.The following accounts are result of idenity theft I am attaching copy of the FTC identity theft criminal complaint XXXX XXXX as proof. # XXXX XXXX acount # XXXX balance {$1400.00} opened on XX/XX/XXXX # XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$500.00} opened XXXX # XXXX XXXX XXXX XXXX XXXX XXXX balance {$6400.00} opened on XX/XX/XXXX # XXXXXXXX XXXX account # XXXX balance {$26000.00} opened on XX/XX/XXXX the aforementioned accounts where not opened made or initiated by me and are the result of idenity theft and fraud/data breach.i demand youbblock these accounts within 4business days of receiving this complaint.
Product: Credit reporting

Collection Accounts identified as ( XXXX XXXX ) on my Transunion Credit Report Account # XXXX Account # XXXX Account # XXXX Account # XXXX Appears on my credit report, however, the alleged original creditor FAILED to process my insurance credentials correctly therefore adding them to my credit report lowering my credit score and causing me hardship and Refusing to removing these accounts. Additionally, I asked TransUnion to delete these accounts from my report as I was covered by insurance ( XXXX ) at the Date Of Service and I am covered by the same insurance as of todays date. I never received a bill or notice of delinquency and I also spoke with my insurance company to verify they would be resubmitted and paid due to creditor 's error. I have previously asked for removal of the disputed item, and yet the XXXX Accounts is still reporting delinquent and late. Since both the creditor and debt collection agency are aware of the error on their part, TransUnion needs to permanently delete this item as FCRA does NOT allow for inaccurate items to remain on consumer credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had filed a dispute back on XX/XX/2021 requesting full validation on these accounts as I have no knowledge. additionally, I am requesting a validation on the company right to collection under the FCRA and Fair credit and billing act. I have not heard back from XXXX. If they can not validate, please remove from my XXXX credit report. The following accounts are what I am questing : CollectionXXXX XXXXL XXXX & XXXX Opened XXXX {$110.00} XXXX XXXX Opened XXXX {$410.00} XXXX XXXX  Opened XXXX {$840.00} XXXX XXXX XXXX Opened XXXX {$970.00}
Product: Credit reporting or other personal consumer reports

Hard inquiries on my account have been sitting on my account and I have no idea why?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX  XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00}, XXXX XXXX  XXXX XXXX Balance : {$1600.00}, XXXX  XXXX Balance : {$1300.00}, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX.
Product: Debt collection

XXXX XXXX XXXX I have attempted numerous of times to see if the debt belongs to me since it was obtained during a time I was in prison which was public records all the company keeps sending me is a letter with a past due amount and my name on it.. 
The same thing with portfolio recovery Now if the debt is mine I am requesting everything I am allowed bi law to obtain like payment history how made payment or purchases you know its six years old and all I get from these companies is a letter with my name and a past due amount.. if its mine I will accept responsibility but am not paying for something like that I dont remeber owing.. and all I keep getting is the same letter my name and a past due amount nothing nothing to say it was me.. please help me obtain the relief I am allowed bi law to help me fix my credit I dont want to report fraud to start another negative remark for 7 years just because these companies keep saying I owe them with a letter and my name
Product: Credit reporting or other personal consumer reports

This morning, I saw some wrong accounts on my credit report, and Im completely lost as to why theyre there. Ive always checked it before, but now, for some reason, these discrepancies popped up out of nowhere. I tried refreshing my browser, thinking it was a mistake, but it didnt fix anything. Please, Im begging you to look over the documents I sent so I can stop stressing about this once and for all.
Product: Mortgage

I have been paying a PMI mortgage for over 14 years on my mortgage payment I have paid {$98000.00} so far I have my original long document stating that I supposed to pay PMI for one year
Product: Credit reporting or other personal consumer reports

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dear sir, I have received the letter from your company prepared on XX/XX/XXXX of 2024, even though today is XX/XX/XXXX of 2024. This letter mentions that you will block the certain information by pursuant to Section 605B ( c ) of the Fair Credit Reporting Act. However, I do not understand what is the specific information that is the result of identity theft. So far, I can say my credit cards were used illegally and closed many times, credit reports were mess, banking information is also suspicious, and there might be more, but not clear due to the volume. It is not easy to figure out which information and documents your office want from the container. I will enclose with this letter FTC identity theft report. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

STARTED SINCE XX/XX/2018 WHEN I FIRST CONTACTED BANK OF AMERICA TO VERIFY THE ACCOUNT THEY WERE REPORTING IN MY CREDIT REPORT. 
ITS BEEN OVER 2 YEARS, THEY STILL DID NOT FIX THE PROBLEM, NEITHER PROVIDE DOCUMENTATION TO SUPPORT THEIR DECISION. 

CREDIT BUREAUS XXXX, XXXX, XXXX  ARE INCLUDED AND ALSO HAS FAILED THE LAW TO VERIFY THE. INFORMATION BEING REPORTED IN MY CREDIT REPORT. 

I HAVE. BEEN IN CONTACT WITH CREDIT BUREAS ALSO AND HAVE ALL DATA AND DOCUMENTS SAVED FOR MY RECORDS. 

PLEASE HELP ME WITH THIS MATTER. 

RESOLUTIONS REQUEST IS : DELETE THE ACCOUNT. IMMEDIATELY FROM MY THREE CREDIT REPORTS.
Product: Credit reporting

.I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.
Product: Money transfer, virtual currency, or money service

On or about XX/XX/2023, I discoverered unauthorized transaction in my Paypal account. it was showing ACH transferes in 4 amounts. 
On XX/XX/2023 ACH transfere from my XXXX  checking account for {$140.00} and {$130.00}. 
On XXXX XXXX two transactions for {$160.00} and {$180.00}. 
These all total {$630.00}. ( see upload ) I also discovererd 3 unknown and unauthorized emails in my account under the page called " USERS '', I personally removed them while I was on the phone with the paypay agent. I took a screenshot of this page before removing them. ( see upload ) The agent I spoke to said he could see what I was seeing in the Pappal Balace box was the amount {$270.00}, the agent had me transfere that amount back to my bank while he was on the phone. He told me the other amount had not yet cleared ACH transfere but should soon and instruted me to watch for it then transfer that back to my XXXX  checking account too. 
on XXXX XXXX there was {$350.00} in the Paypal Balance box. I did as I was instructed and transfered that money back to my XXXX  checking acct. 
The total of the 2 transferes I made is {$630.00}. the exact same amount that was removed from my account without my consent or knowledge. 
I have nevered shared my account information with anyone, not even my husband, he has his own account. I went to my bank and they provided a list of ACH Transactions to me that verifies all of this. ( see upload ) .I also closed that account with my bank so anyone with nefarious intentions would not be able to do anymore damage. Paypal now tells me that I owe them {$630.00}. they show a NEGATIVE- {$630.00} in my Paypal Balance box. ( see upload ) ... over the course of time there has been numerous calls and messaging to paypal iniciated by me in trying to resolve this issue, I did have 2 agents on the phone that stated it was an issue with their system and they would send it to someone else to look at it.

So now we are at the point of Paypal saying I either Pay them {$630.00} or the will turn me over to a collections company.

This is totally wrong!!! I have a very good credit score and this problem could greatly damage that.

We may never know who did the initial transfere but we do know what has happened.

someone accesed my bank thru paypal and removed my money.

I discovered it before great harm was done and the money gone.

I moved the same money back to my bank, So it was my money out of my bank account and my money into my bank account.

I was foutunate to discover the attempt of theft from my account and stopped it. now it feels as if I am being punished ... it has caused an enormous amount off stress, making me feel sick. 
What I am asking is for paypal to realize their error and make the NEGATIVE- {$630.00} into a {$0.00} I do not use paypal as a bank ... .so this is always a {$0.00} I here by swear to the above. 
XXXX XXXX
Product: Debt collection

In XX/XX/XXXX, the CFPB proposed a rule that seeks to remove medical bills from credit reports. This " debt '' is fraudulent. XXXX XXXX I was XXXX XXXXXXXX XXXX XXXX, for which I received XXXX XXXX XXXX. XXXX paid the medical bills. The XXXX XXXX XXXX claim ID was XXXX. And it was handled and paid by XXXX. So this shouldn't be on my credit report at all. One because medical bills are no longer allowed on credit reports and 2. This isn't even my debt. This was obviously illegally bought and they are trying to scam me into paying for something that was already paid. I want it removed IMMEDIATELY from all 3 credit report bureaus. Because at this point I am about to file a police report against this company for fraud, along with going to the media. I attached the so-called " open balance ''
Product: Credit card

In XX/XX/year>, I was notified when I was applying for a mortgage that I had an account with Lowes that was past due. I have never applied, opened nor used an account with Lowes. I called the bank that was listed on my credit report to let them know this account did not belong to me. I answered their questions, filled out an identity theft affidavit and was told they needed to investigate, and it could take up to 60 days. I have called multiple times and have received no response from SYNCB, and this negative item continues to report on my credit bureau. This has been 5 months and SYNCB has not removed this account from my report.