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

ssue Summary : I am a victim of human XXXX, and adverse information listed on my credit report has resulted from this XXXX Under Section 605C of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to remove adverse information if the consumer provides XXXX documentation. Despite my submission of the required documentation, the credit bureaus have failed to remove the following inaccurate items from my credit report : Inaccurate Information on My Credit Report Bankruptcy Records Court : US XXXX XXXX XXXX  XXXX Filing Date : XX/XX/XXXX Status : XXXX XXXX XXXXXXXX Reference Number : XXXX Court : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Filing Date : XX/XX/XXXX Status : XXXX XXXX Dismissed Reference Number : XXXXXXXX XXXX XXXX Accounts Account Number : XXXX Account Number : XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX ( Opened XX/XX/XXXX ) Account Number : XXXX ( Opened XX/XX/XXXX ) Account Number : XXXX ( Opened XX/XX/XXXX ) Account Number : XXXX ( Opened XX/XX/XXXX ) Account Number : XXXX ( Opened XX/XX/XXXX ) Account Number : XXXX ( Opened XX/XX/XXXX ) XXXX  Accounts Account Number : XXXX ( Opened XX/XX/XXXX ) Account Number : XXXX ( Opened XX/XX/XXXX ) Account Number : XXXX ( Opened XX/XX/XXXX ) Account Number : XXXX ( Opened XX/XX/XXXX ) Account Number : XXXX ( Opened XX/XX/XXXX ) Account Number : XXXX ( Opened XX/XX/XXXX ) Account Number : XXXX ( Opened XX/XX/XXXX ) Account Number : XXXX ( Opened XX/XX/XXXX ) XXXX XXXX Account Account Number : XXXX Applicable Law : Section 605C of the FCRA Section 605C of the FCRA provides that no consumer reporting agency may furnish a consumer report containing adverse information resulting from XXXX My XXXX documentation has been submitted to the credit reporting agencies in compliance with this provision. 

Billing Code : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ Docket No. XXXXXXXX XXXX XXXX XXXX : Prohibition on Inclusion of Adverse Information in Consumer Reporting in Cases of XXXX XXXX ( Regulation V ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed one credit inquiry that I find to be problematic. The inquiry in question was apparently made by ONEMAIN FINANCIAL on XXXX XXXX, XXXX, XXXX. XXXX XXXX, and I have no recollection of doing any business with ONEMAIN FINANCIAL. I contacted ONEMAIN FINANCIAL, and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. 

The second inquiry was made by XXXX XXXX XXXX. I do not remember working with this company, but I do remember working with XXXX XXXX ; as they are the company I used for my recent auto loan. However, I applied for that loan just a few weeks after applying for similar loans from XXXX XXXXXXXX XXXX XXXX XXXX Based on my research, I believe only XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  should be the only inquires showing on my report. Please investigate these inquiries at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. Thanks for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

RE : Dispute of Inaccurate Information on Credit Report Dear EXPERIAN I am writing to formally dispute inaccurate information listed on my credit report, specifically regarding the following account : - **Account Name** : XXXX XXXX XXXX  XXXX **Account Number**XXXX Under **15 U.S. Code 1681**, also known as the Fair Credit Reporting Act ( FCRA ), you are mandated to ensure the accuracy, completeness, and verifiability of the information reported on consumer credit reports. In accordance with this law, I request that you conduct a thorough investigation into the account listed above. 

As per the FCRA, if the information can not be verified as accurate within a timely manner, you are required to remove it from my credit report. Therefore, I am requesting that you take action to remove this inaccurate entry **within 4 days** of receiving this letter. 

To assist you in your investigation, I have enclosed the following documents to verify my identity and address : 1. A copy of my Social Security card 2. A copy of my government-issued ID 3. Proof of address ( utility bill ) 4. A copy of my credit report with the accounts in question highlighted I expect to receive a written response from you regarding the results of your investigation within **30 days**, as stipulated by the FCRA. Should you find that the information is indeed inaccurate, please ensure its prompt removal from my report. 

Thank you for your attention to this matter. I look forward to your swift response. 

Sincerely, XXXX XXXX UCC 1-308 All Rights Reserved
Product: Mortgage

I have requested PHH Mortgage to remove my tax impounds ( see above ) and I also explained why. ( see above letter to PHH document ), I received response ( see above response letter from PHH ) This response is INCORRECT for several reasons : - Property was purchased in XXXX and I NEVER had my taxes impounded for over XXXX (! ) years, taxes were temporarily added after my last modification TEMPORARILY for XXXX  months only!!! I was told by PHH escalation representative in XXXX of XXXX that I can have them removed after making XXXX consecutive payments without being late or late charges and I can remove that in XXXX of XXXX (! ) I did not ask for it to be removed at that time as I was out of country during that time through the end of XX/XX/XXXX. Ever since then I have been getting lamed excuses of why it can not be done. First excuse ( which I understand ) was that taxes were due within 30 days of my request. Then they started to say and continue to do so that my loan to value is over threshold of 90 % because they use value of what I paid for this property back in XXXX (! ). My current value according to their website and their data is over {>= $1,000,000} with neighborhood value of $ XXXX. - In California, its illegal to use original purchase price for value determination from XXXX (! ) years ago. They must use current value determined by an independent XXXX ( which I am willing to pay for ) or your current market data research value. 
I am XXXX XXXX XXXX XXXX XXXX XXXX for over 34 years in the XXXX of California. I know what I am talking about and I know State laws and regulations in regards to this matter. 
Once again this also all irrelevant as my taxes were only added TEMPORARILY for XXXX  months after modification. I have now made more than XXXX payments after my last modification and I DEMAND for my taxes to be paid on my own and not through you!!! Also, after modification they tried to add impounds for my XXXX insurance policy and I proved them wrong and it was removed as I was not required to have that since loan was established back in XXXX. The same goes for property taxes!!!! Please REMOVE THAT IMMEDIATELY. 
Otherwise, I will be filing complaint with CFPB, Offices of State Attorney General and XXXX XXXXXXXX XXXX XXXX XXXX in the State of California!!!! 
I am XXXX that NO ONE takes time to figure out this situation and I keep getting robotic responses. Please help me out in this matter. I am retired due to XXXX and I am also in the process of getting my Real Estate Taxes reduced and/or paid for by the special State program for XXXX and XXXX individuals. 
I have proved them for over 2 years that I could pay that on my own without being late once (! ) and my real loan to value now is below 65 % based on current market value.
Product: Checking or savings account

I became aware that someone had taken over my XXXX account, changed my password and email effectively locking me out of my page. I was contacted by a friend that whoever took over the account was using my messenger to contact my friends to solicit money in the form of a surprise XXXX to help my XXXX who had ( supposedly ) seriously injured himself. I tried many different avenues to get this rectified but without success. On XXXX XXXX, XXXX, I googled XXXX and got a phone # XXXX ) XXXX XXXX. The person answering assured me he could help and needed me to download an app to my phone. I know now that this gained him access to everything on my phone including my online banking. He opened a XXXX account under the name XXXX XXXX ( I did not previously have one ) and took {$990.00} from my checking account. I bank with Wells Fargo so I notified them of the scam and changed my checking account number, phone number and email address. On XX/XX/XXXX, I first noticed the XXXX transaction and notified the bank immediately. They said it was ad too late to stop the transfer but they would notify the receiving bank. I asked which bank that was and was told they couldnt share that information for privacy reasons. I filed a claim that was later denied due to it being filed in the wrong department. I filed another claim ( supposedly in the right department ) that was also denied because their research showed that the transaction was made through an online banking app by myself or someone who had my authority. What has occurred is clearly fraud and I believe Wells Fargo should be responsible for refunding the money. It may not have been the bank error however they do provide XXXX as a service to their insured clients. I have filed complaints to the Department of Treasury XXXX, XXXX XXXX XXXX XXXX XXXX Department XXXX XXXX XXXX XXXX XXXX, The Federal Trade Commission, XXXX, my local law enforcement and the FBI. While I am happy to report my misfortune to these companies to further their knowledge and possibly save others from similar misfortunes, I am certain that this matter can be cleared up by some agency. 

Thank you your help in this matter, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ) XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX Balance : {$370.00} ; XXXX XXXX XXXX Balance : {$800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX have run out of patient waiting on a response and I feel these accounts are adversely affecting my credit report and cost me thousands of dollars in interest every year. This is not a regular dispute I'm ready to filed a complaint with the Federal Trade Commission and XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts. Its been over 60 days and I need these problems fix ASAP I will not wait another 50 days to receive no response because clearly, I am being ignored. I demand these accounts to be deleted immediately, or I will file for litigation due to the stress you cost me. 

Much Appreciated XXXX XXXX
Product: Credit reporting or other personal consumer reports

I received an alert on my credit report in regards to a new account I never opened in which I hadn't.

I've never applied for or accepted an offer with The Bank of Missouri and I would like them removed off my credit report.

The Bank of Missouri is in violation of the law and should be reported to the FDIC as their violating consumer and credit laws.

I'm asking for The Bank of Missouri to provide a contract that shows that I have provided an application or have accepted an offer from them as I have not. 

I won't them deleted off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several unauthorized inquiries on my Transunion report that they refuse to resolve. Customer Service would not take care of this issue. 

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 or other personal consumer reports

Dear TransUnion I see that you verified the account listed below : XXXX | XX/XX/XXXX : Account number : N/A, Balance is wrong. It should not be that amount. It should be zero. The bureau code information needs to be fixed quickly. 

XXXX XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be zero. The bureau code information needs to be fixed quickly. 

XXXX XXXX  | XX/XX/XXXX : Account number : N/A, Balance is wrong. It should not be that amount. It should be zero. The bureau code information needs to be fixed quickly. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, Balance is wrong. It should not be that amount. It should be zero. The bureau code information needs to be fixed quickly. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, Balance is wrong. It should not be that amount. It should be zero. The bureau code information needs to be fixed quickly. 

XXXX | XX/XX/XXXX : Account number : N/A, Balance is wrong. It should not be that amount. It should be zero. The bureau code information needs to be fixed quickly. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.
Product: Debt collection

This complaint is against Bank of America , N.A . as successor by merger to Bank of America , Home Loan Servicing, LP, as successor in interest to Countrywide Home Loans Servicing, LP ( " Bank of America '' ) for numerous violations of 15 USC 1692. Bank of America has violated the Fair Debt Collections Practices Act ( " FDCPA '' ) by among other things, its unlawful collection of debt when it had no contractual authority to do so while falsely purporting itself as " Servicer '' of the Mortgage loan ending in XXXX. Additionally, at least as early as XX/XX/XXXX, the Note and Mortgage the subject of this complaint were rescinded by the Mortgagor pursuant to 12 CFR 1026.23 ( d ). Despite the void status of the Note and Mortgage, Bank of America continued its unlawful collection actions and fraudulently attempted to transfer " servicing rights '' to the Void Mortgage to another company on XX/XX/XXXX 

Although Bank of America will likely attempt to respond to this Complaint by misleadingly stating it is no longer the servicer of the Mortgage the subject of this complaint, this complaint is based on the fact that Bank of America was NEVER the legal servicer of the Mortgage and can provide no evidence to the contrary. 

A CFPB investigation will confirm that Bank of America had no legal contractual right to service the mortgage loan the subject of this Complaint and has concealed this fact for years, now falsely claiming to have transferred said " rights '' it never legally held to another company. In the process, Bank of America made numerous false statements with regard to my Note and Mortgage in the attempt to collect a debt, and attempted to collect an amount not expressly authorized by the agreement creating the debt and permitted by law in violation of the Fair Debt Collections Practices Act, a federal consumer financial protection law. 

Many of the false statements and misrepresentations are outlined in the full Complaint with supporting documents attached.
Product: Credit reporting or other personal consumer reports

Subject : Formal Demand for Removal of Inaccurate Information Under FCRA To Whom It May Concern, I am writing to formally demand the removal of inaccurate and harmful information concerning my XXXX  XXXX XXXX XXXX XXXX ( XXXX : XXXX ) from my XXXX credit report. Despite my submission of substantial evidence through the CFPB portal and your reinvestigation process, this matter remains unresolved. Your response focused solely on alleged late payments without addressing the central issues of violations under the Lemon Laws and the Truth in Lending Act ( TILA ). 

Background on the Dispute Vehicle Details : XXXX  XXXX XXXX XXXX XXXX ( XXXX : XXXX ). 
Issue : The vehicle qualifies as a lemon under applicable Lemon Laws. Additionally, XXXX XXXX relied on a fraudulent contract, which is not the agreement I signed, violating the Truth in Lending Act ( TILA ). 
Evidence Provided : I submitted documentation showing the vehicles lemon status, violations of TILA, and evidence of XXXX XXXX presenting a fraudulent contract during the repossession process. 

XXXX  Inadequate Investigation Your reinvestigation focused only on late payments while ignoring the following key facts : 1. Fraudulent Contract : XXXX XXXX provided a contract that does not match the one I originally signed, raising serious legal concerns. 
2. Lemon Law Violations : The vehicle qualifies as a lemon due to significant defects, rendering the loan and subsequent repossession invalid. 
3. Failure to Verify Information : Your process did not address the legitimacy of the contract or the legal disputes I raised. 

Under the Fair Credit Reporting Act ( FCRA ), XXXX is obligated to : Conduct a thorough investigation ( 15 U.S.C. 1681i ) that addresses all aspects of a dispute. 
Correct or delete information that can not be verified or is deemed inaccurate ( 15 U.S.C. 1681c-2 ). 

Legal Demand I demand the following actions be taken within 15 days of receipt of this letter : 1. Immediate Removal : Delete all information regarding the XXXX  XXXX XXXX XXXX XXXX from my credit report. 
2. Written Confirmation : Provide written confirmation that the inaccurate information has been removed. 
3. Furnisher Details : Provide the name, address, and phone number of the furnisher of this disputed information. 

Failure to Comply If you fail to address this issue adequately, I will take legal action against XXXX for : Failure to conduct a proper investigation under the FCRA. 
Reporting inaccurate information that harms my creditworthiness. 
Failure to comply with federal and state consumer protection laws, including Lemon Laws and TILA. 

In court, I will seek statutory damages of up to {$1000.00} per FCRA violation, actual damages for financial harm, and reimbursement of attorneys fees and court costs.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sold my house XX/XX/2018 and paid off all my bills. XXXX  XXXX notified the credit bureaus I paid my mortgage off but credit bureaus say they did not. I had my credit report run & they show as of XX/XX/XXXX I made no more payments which means XXXX  XXXX did report to them. I have spent hours on the phone with all of them. They go through my report and finally say they can not help me because they dont know if Im me or not even though they pulled up my credit report with the information I gave them. I even talked to a supervisor who asked me a bunch of questions I could not answer off the top of my head. Like what I owed to bank, credit cards etc. 
I want to buy a trailer but because of their unprofessional behavior my score is bad when it should be excellent These credit bureaus need to do their jobs and quit lying when they are wrong and ignore the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent you a letter notifying you of improper information appearing in my credit report in violation of FACTA. This letter was sent to you by certified mail, return receipt requested, and was received by you. 
Your failure to respond to my demand for correction of my credit report within 30 days is a violation of FACTA. If I do not receive an appropriate response to my original demand letter within 10 days of the date of this letter, I may, without further notice, report your failure to abide by FACTA to the Federal Trade Commission or take other appropriate action. Please be advised that I am the victim of identity theft, a result of which is the reporting of negative information on my credit report. In accor- dance with the provisions of FACTA , I hereby request that such negative information be blocked from my report. The specific information that I am requesting be blocked is as follows : XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX/ XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX/XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX ACCOUNTS : XXXX I also hereby request, in accordance with the provisions of FACTA , that you promptly notify the company or companies providing the false and negative information that the information provided by them is the result of an identity theft, an identity theft report has been filed, and an infor- mation block has been requested.
Product: Credit reporting or other personal consumer reports

This complaint is in regards to a public record that i didnt give written consent to be provided on my consumer report. The public record i am referring to is a XXXX XXXX BANKRUPTCY which was dismissed. I am aware that this a form of identity theft and a violation of my consumer rights!