23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Bank of America - Acct XXXXXXXXPrevious Complaint # s XXXX, XXXX, XXXX, XXXXXXXXOriginal HAMP loan paperwork was sent to me that included the name of the original co-signer on the loan. The original co-signer holds no interest in the property, it has been quick claim deeded to me 100 % and the XXXX XXXX XXXX XXXX office shows only my name on the deed. The loan re-modification did not take into consideration the co-signer as to income and only my information was utilized. Final contract papers were sent to me in my name solely. However, recent mailings with regard to current operational aspects of the loan continue to contain the previous co-signer 's name. In a verbal conversation with XXXX XXXX on XXXX XXXX, 2015 at XXXX, I was told that : 1. Despite my sole signature on the current loan documents where I accept 100 % responsibility, the original co-signer would still be on the loan ; 2. XXXX XXXX in effect admitted to me that Bank of America had no intention of ever removing the second borrower from the loan, I told him what prior verbal agreements had been made and he assured me that I was incorrect and past information had been misrepresented to me as he had the correct answer and that despite what I signed he would only be removed if I refinanced the loan. This, therefore tells me that the paperwork I have been requested to sign is a willful misrepresentation of fact designed to get my signature and finalize a fraudulent modification. In prior conversations with past customer relationship manager XXXX XXXX a representation was made to me that upon completion of the final loan documents ( that hold my signature alone ) the original co-signer would no longer be on the loan. A verbal agreement was made on more than XXXX occasion and now I am being told something completely different. Bank of America has willfully misrepresented their position to me in an effort to obtain my signature under the guise of the loan modification, tendering only my name and not that of the original co-signer as agreed to by XXXX XXXX.
Product: Debt collection

I am writing to complain about the debt collection practices of Wilber and Associates , P.C . I received three letters from the company dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, regarding a debt that I allegedly owe. 

However, I believe the company has violated my rights under the Fair Debt Collection Practices Act ( FDCPA ) in the following ways : 1. Failure to Send a Debt Validation Letter : They did not send me a debt validation letter within five days of initially contacting me, as required by the FDCPA. The first letter I received was dated XX/XX/XXXX, and the initial contact was on XX/XX/XXXX. 
2. Threats of Driver 's License Suspension and Vehicle License Plate Removal : The letters state that they may request the suspension of my driver 's license and/or the removal of my vehicle license plate registration, depending on the financial responsibility laws of my state. I believe these threats are misleading and harassing, and they violate the FDCPA 's prohibition on unfair debt collection practices. 

I was not initially aware of the 30-day window to dispute the debt. However, upon learning about my rights under the FDCPA, I promptly requested debt validation on XX/XX/XXXX. However, Wilber and Associates continued collection efforts and did not respond to my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with the credit bureaus towards the end of XX/XX/XXXX regarding a collection account that showed up on my credit profile at the beginning of XX/XX/XXXX ( reporting company is XXXX XXXX XXXX ). This account is not my account, I have no knowledge of this payday loan and have not been provided any information from the reporting company proving that it is my debt. So I disputed this fraudulent account with the credit bureaus and on XX/XX/XXXXand XX/XX/XXXX I received the dispute results stating that the account meets FCRA requirements. The credit bureaus told me that they had sent the information I provided to the reporting company and that the reporting company conducted their own investigation saying it is my debt. AGAIN, I have received not one document showing that I owe this debt, even after verifying my address, no one has mailed any paperwork to me. On XX/XX/XXXX, I submitted a complaint with the FTC, CFPB and the NC State Attorney General reporting XXXX XXXX XXXX for continuing to report this fraudulent account to the credit bureaus. Those complaints did not resolve the issue. On XX/XX/XXXX, I spoke with XXXX XXXX from XXXX XXXX and she stated that on XX/XX/XXXX, they had closed the account as disputed and had transmitted this information that same day. She gave me her number and XXXX ( XXXX XXXX XXXX ) and her supervisor 's name ( XXXX XXXX ) and told me to call if I needed any other info. I spoke with a rep from Experian that same day ( XX/XX/XXXX ) and they had not received anything from XXXX XXXX. I tried to call back and speak with XXXX XXXX but she and her supervisor were " unavailable '' and would call me back. They never called back. Today, XX/XX/XXXX I called XXXX to see if the account had been removed. Not only was it still on my report, but XXXX XXXX had reported my account as delinquent on XX/XX/XXXX, TWO DAYS AFTER MY CONVERSATION WITH XXXX XXXX SAYING THE ACCOUNT WAS NOW CLOSED. I do n't understand how a closed account can be reported as a delinquent open collection account if it was supposedly closed on XX/XX/XXXX. I need this resolved immediately! It is damaging my credit and it does not belong to me. And as stated before, I have not received any documentation proving that this account belongs to me, even after I requested paperwork be mailed to my home address. This account is unfairly being reported!
Product: Credit reporting or other personal consumer reports

Dear CFPB Representative, Subject : Dispute of Inaccurate Reporting of Late Payments Account XXXX XXXX XXXX XXXXXXXX I am writing to formally dispute the inaccurate reporting of late payment on my credit report concerning the account referenced above ( # XXXX XXXX XXXXXXXX ). Upon thorough review, I have identified discrepancies in the reporting, which I believe may constitute a violation of the Fair Credit Reporting Act ( FCRA ), as outlined in 15 U.S. Code 1681. 
The reported late payment on the aforementioned account are inconsistent with my payment history. To the best of my knowledge and based on my records, I have consistently made timely payments in accordance with the terms of our agreement. 
In accordance with 15 U.S Code 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between me and your company. 
Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures [ according to 15 U.S Code 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by section 1637 ( b ) of Title 15.

Reference to PAANL ( Paid as Agreed Never Late ) The terms of our agreement have always been adhered to, and the accounts in question should reflect a status of Paid as Agreed Never Late based on the timely payments made. It is imperative that my credit report accurately represents my financial and commitment to meeting payment obligations.

I hereby request that you provide documented proof supporting the claim of late payments on these accounts. This proof should include specific details such as dates, amounts, and any relevant communication indicating that the payments were indeed late, in the absence of valid proof, I expect the credit reporting to be rectified promptly. 
If, after a thorough investigation you are unable to provide verifiable proof of late payments, I demand that the accounts be promptly updated to reflects its accurate status as Paid as Agreed Never Late. Per the FCRA, I request that you conduct a timely investigation and provide a written response 30 days from the receipt of this dispute letter. Failure to adhere to this timeline will be considered a violation of the FCRA. 
I appreciate your immediate attention to this matter and expect a resolution that aligns with the legal obligations outlined by the FCRA. Your cooperation is essential in ensuring the accuracy and fairness of my credit report. 
Thank you for your time and consideration. 
Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2023 XXXX XXXX XXXX used my social security number to open two different credit accounts. I have already received a resolution on the first one but was just notified today that a second one was opened at the same time. They did not have my permission to use my personal information in this manner.
Product: Credit reporting or other personal consumer reports

These accounts are in violation of 15 USC 1681 EB Account Name/Number 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 have reached out to Freedom Mortgage via phone and via email regarding in accurate reporting. They were supposed to do a internal investigation but I still to this day haven't heard anything back. Below it the letter I have sent to them too as well. 


Loan Number : XXXX Payments : XX/XX/XXXX - XX/XX/XXXX I have been a Freedom Mortgage customer since XXXX, and during that time, I have enjoyed my experience greatly. I am writing now to see if you would be willing to make a goodwill adjustment to your reporting to the main credit agencies ( XXXX, XXXX, and XXXX ). I have two late payments on the account that I referenced above that date back to XX/XX/XXXX and XX/XX/XXXX. Since that time, I have been an exceptional customer, paying all my other monthly payments on time. 
Because of my exceptional payment history over the last 2 years, I would like you to consider removing the late payments from my credit report. I did not intentionally mean to be late on my payments, but due to the unexpended end of my government contract I was out of suddenly out of employment. I also at that time only had one salary in the household. Both payments were last then 30 days late. 
It does not justify why the payments were late, but rather there to show that these late payments are not a good indicator of my actual creditworthiness. I hope that Freedom Mortgage is willing to work with me on erasing this mark from the reports. I am now knowledgeable and clearly understand the importance of credit history and would greatly appreciate it you could make the adjustment. 

Also, for the month of XX/XX/XXXX there was an error when processing my monthly payment. My monthly payment that I pay is {$1700.00}. There was an error that the representative actually processed a payment for {$17000.00}. With this being said, there was a correction that was sent credit bureaus but drastically dropped my credit score. My score dropped nearly 100 points. After the credit bureaus made the corrections my scores only changed about 40 points. I am also in process of refinancing with Freedom Mortgage too as well. My application is still on hold as right now due to my credit score dropping. With the credit score the bouncing back to the score it was previously, I am unable to begin the refinance process with Freedom Mortgage. With hopes that you would be willing to adjust the two late payments, this would get me in position to refinance with Freedom Mortgage. 
I have been satisfied customer in the past and hope to continue a long relationship with Freedom Mortgage, as the credit industry is so competitive. I know how important it is to maintain good relationships with customers, and you have done an exceptional job in my book so far. 
I hope that you will consider my request and prove, once again, why Freedom Mortgage is heads above the rest. I look forward to your reply.
Product: Credit reporting or other personal consumer reports

RE : XXXX BLOCK REQUEST To whom it may concern, I am writing to advise that I am a XXXX XXXX XXXXXXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX XXXX Employer - XXXX XXXXXXXX XXXX XXXX Employer - XXXXXXXX XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Incorrect XXXX : - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXXXXXX - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXXXXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART XXXX [ DOCKET NO. XXXX ] XXXX XXXXXXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX  ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Debt collection

It showed up as collection information on my credit report. It mentioned that the debt belonged to me. I contacted the company DRS at XXXX on XX/XX/XXXX at XXXX XXXX  and requested verification and validation of the debt. I informed my full name and file number # XXXX and requested Purchase Agreements signed and Verification of debt. It was denied by the representative from DRS.
Product: Debt collection

XX/XX/year> -text from XXXX XXXXXXXX . Re : XXXX XXXXXXXX. I dont have a XXXX nor do I know who XXXX XXXX is
Product: Payday loan, title loan, personal loan, or advance loan

I purchased an item which I assume was a promotional price and was charged over {$400.00} in one lump sum of interest charges without any prior notifications or opportunity to pay the balance prior to doing so. I was told that due to the item not being paid in full by a certain date that all accrued interest over 6 months was charged at one time. That is insane as the interest went to the bill raising the total monthly interest. I want this refunded since I was never notified of this in written or email
Product: Debt collection

First, this company did a unauthorized use of my credit card. Under 15 USC 1602p the term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 

I never give this company permission to use my personal information. This is fraudulent activity.Also not to mention identity theft.I wonder want else have they used my personal information for? I receive no benefit from this account. How did they even get my information? I guess they stole that too. 

Under 15 USC 1692e, this is false and misleading representation. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. 
( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 

This is unacceptable behavior. My rights have been violated. the account need to be deleted TODAY.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Fraudulent Accounts Due to Identity Theft Dear TransUnion Dispute Department, I am writing to formally dispute several items on my credit report that are a result of identity theft. The following accounts do not belong to me, and I demand that they be removed from my credit report immediately : XXXX XXXX Account : # # XXXX XXXX XXXX XXXX  Account : # XXXX XXXX XXXX  Account : # XXXX XXXX XXXX XXXX XXXX  Account : # XXXX As a victim of identity theft, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681c-2, to request the removal of these fraudulent items from my credit report. Enclosed, please find the necessary documentation to support my claim, including : A copy of my identity theft report filed with the Federal Trade Commission ( FTC ).

Copies of my personal identification, including my driver 's license and a utility bill, to verify my identity. 

I demand that TransUnion take the appropriate actions to remove these fraudulent accounts from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

" XXXX '' card has been reporting to my credit report for XXXX and XXXX since 2019. 
First off, its fraudulent. Next issue is ive since many times reported this company directly, reported them to fraud, multiple disputes fraud alerts. Filed a police report with them through XXXX. They finally closed the account and left it in negative/derogatory status.Leaving me with many missed payments or late. Also still sending payments and reporting to my bureaus even after being closed because of being opened fraudulently and also closed as chargeoff instead of never being open.
Product: Payday loan, title loan, personal loan, or advance loan

The three addresses reporting on my credit report do not belong to me. I also have several accounts that don't belong to me. GM Financial, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX.I am asking for a thorough investigation with removal of all accounts and addresses.
Product: Debt collection

This money was on bills I never had one was for XXXX for {$320.00} and the other was from XXXX for {$590.00}. Both were from the same address in XXXX Illinois I have never lived their and each time ive tried to contact them they send me to the same recording that is so staticky that you can only hear every other word.
Product: Credit reporting

My mother have used my credit on multiple things that I did not authorize as a child and as an adult.
Product: Debt collection

There appear to be fraudulent accounts on my credit report that I did not authorize. Please ensure these are blocked and removed promptly.
Product: Credit reporting

I used to live at XXXX XXXX, XXXX XXXX, Tx XXXX and i XXXX on XX/XX/XXXX.I had to vacate my apartment and break my lease because i have to go for XXXX and XXXX. My XXXX started XX/XX/XXXX and ended XX/XX/XXXX.I then proceeded to the XXXX. I got out of XXXX XX/XX/XXXX.I relocated to XXXX, Texas XX/XX/XXXX.I got an apartment in XXXX, Texas and during background check, they discovered i was owing XXXX $ XXXX.I called the manager at XXXX XXXX and she told me that, I incurred a debt of {$110.00} because they spent it to clean my apartment unit after i moved out.I asked her about my security deposit and she told me that, i have forfeited that because i moved out without completing my lease agreement.I explained to her that i broke the lease because i had to go for my basic training and i submitted all necessary papers.The apartment manager said she is aware of that but it was their policies to hold on to the security deposit.She then told me that my debt has been given to an external creditor.I called the external creditor instantly and paid the debt.The external creditor ; XXXX XXXX XXXX XXXX ( Phone Number XXXX XXXX XXXX ) closed my account after payment but the left it on my record.My problem is that this debt appears on my credit report anytime my rental history is pulled up and prevent me from getting an apartment unit.I was on a XXXX and i should not incur this debt in the first place.I will be grateful if this particular record is removed from my credit report.I dispute the validity of the debt and actions taken by the Management of the XXXX and XXXX.Please find attached document showing details of my schedule and program for my XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

We have been attempting to resolve a dispute with XXXX over the inaccuracy of their reporting of payments on our credit report. Their inaccurate reporting is impeding the process of us obtaining financing on a new mortgage for a home that will better meet my wifes needs asshe has become XXXX. Our repeated attempts to resolve this have gone unanswered and we are now in a difficult position. The transaction history provided by XXXX clearly shows that the payments were inaccurately applied, however, they refuse to correct the reporting to the credit reporting agencies. Please help us get this matter corrected on my credit report so that we can proceed with purchasing the home that will better meet my wifes needs. Thank you for your help.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX XXXX  - XXXX, XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX - XXXX, XXXX XXXX - XXXX, XXXX - XXXX "
Product: Debt collection

My XXXX XXXX XXXX credit card was protected by credit protector, XXXX. When I became ill it should have been paid off. XXXX  XXXX XXXX sold as debt to collection agency. Why was it not paid? 
I calculated monthly safeguard payments by years paid and it was enough to cover debt. 
The collections company is trying to shake me down for money and filed case in XXXX County Common Please  Court.Please help me resolve this matter and thank you for your assistance it would greatly be appreciated. 

Contact information : XXXX XXXX XXXX
Product: Student loan

I decided to return to school part-time ( XXXX XXXX XXXX ), starting XXXX XXXX. On XX/XX/XXXX, I sent MOHELA a secured message to notify them of this and to NOT put my account on in-school forbearance. On XX/XX/XXXX, they did the exact opposite and put my account on in-school forbearance. I have sent them additional secure messages but they refuse to respond or remove the in-school forbearance.