23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I ran into hard times and went thru a loan modification in XX/XX/XXXX. I had missed a total of 18payments having made some in between it wasnt all in a row. My original mortgage amount was {$190000.00} they were supposed to take my past due payments and put them in a separate account with a 0 % interest and wave all late charges and any other fees is what I was told and agreed to. I have never missed or been late on any payment since the modification. Now currently during XX/XX/XXXX I was trying to buy a new home after selling mine to pay off bank of America and now have a second mortgage of {$57000.00} to add into the {$130000.00} principal balance which would total {$190000.00} meaning in 5yrs of paying an average of {$1000.00} a month ( {$60000.00} ) my mortgage has not changed at all. And my house isn't even worth what I owe making me have to cancel my contract and take my home off the market. I feel like I was scammed on this modification and that this needs to be negotiated and settled. I have owned my home for 11yrs with the purchase price of {$180000.00} and now somehow owe {$190000.00}. I honestly feel like the second mortgage is bogus and needs to be taken off as after 11yrs I should have seen a very noticeable drop on my principal balance.
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. 

XXXX XXXX XXXX  # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX -- {$630.00} XXXX XXXX XXXXXXXX # XXXX XX/XX/XXXX -- {$130.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$680.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$180.00} XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$1200.00} XXXX XXXX XXXX  # XXXX XX/XX/XXXX -- {$180.00} XXXX # XXXX XX/XX/XXXX -- {$6800.00} XXXX  XXXX  # XXXX XX/XX/XXXX -- {$3400.00} XXXX XXXX XXXXXXXX # XXXX XX/XX/XXXX -- {$740.00} UNKNOWN # XXXX XX/XX/XXXX -- {$310.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I entered my BB & T ( Truist ) branch at XXXX XXXX XXXX, XXXX XXXX, FL to execute a wire transfer from my business checking account. ( I bank personally and professionally at BB & T/Truist. ) The wire was necessary to pay an invoice to a company that I am engaging to help me grow my business. ( I am self-employed, 25 years. My business is a C-corporation with myself as the sole employee. ) My bank accounts are fee-free as I maintain minimal deposits on-hand as necessary, and my business checking account is a " small business '' type. The bank representative informed me that the wire transfer fee would be {$30.00} from either my personal or business account, but I informed that I do not mix funds in this manner and that this was a business transaction and needed to be taken from my business account regardless. Later that afternoon, the bank representative called me to inform that she was mistaken and that the wire transfer fee from business accounts was {$65.00}, and that I would be charged {$65.00} for the wire. This is unconscionable and unethical : the exact same service differently charged solely because it is being executed from a ( small ) business account versus a personal account. I called the BB & T/Truist main customer service telephone number ( XXXX ) and spoke with XXXX who put me in touch with the branch manager XXXX XXXX ( XXXX? ) who informed me that he would credit the entire {$65.00} fee this time because I told him that I would also be paying - via wire - the second half of the total invoice for this company in 30 days, at which time we agreed that I would pay the whole {$65.00} wire fee which, in total, would essentially compensate the bank as if I was paying the {$30.00} fee for each wire. The excuse XXXX gave is because this is how the " system '' works. This fee-grab by BB & T/Truist is just that : obviously it does not cost more to execute a wire from a business account versus a personal account. Further, as a really struggling business during this financial COVID-induced crisis, I can ill-afford to be burdened with any excessive costs, let alone unnecessary bank fees by financial institutions looking to pad their bottom lines, profit margins, and bonus checks. Charge consistent reasonable fees for services across the spectrum of customer accounts.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$14000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  showing tu, XXXX, XXXX when i sent hacking and ftc reports
Product: Credit reporting or other personal consumer reports

I am writing to dispute two inaccuracies on my credit report related to XXXX XXXX XXXX, XXXX. : Unauthorized Hard Inquiry : XXXX XXXX XXXX, through representative XXXX XXXX, ran a hard inquiry on my credit report using my Social Security Number without my explicit consent after opening up a complaint with the XXXX  for inaccuracy number two.I did not apply for any loans, credit, or accounts that would require a credit check. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a creditor is required to obtain express consent or have a permissible purpose to access a consumers credit report. This action violates the FCRA as I did not authorize or provide consent for this credit inquiry. 

Incorrect Reporting of a Closed Account XXXX XXXX XXXX XXXXXXXX re-added a charged-off account to my credit report that was previously removed. I am not liable for this debt with XXXX XXXX XXXX. I do not have a contract with XXXX XXXX XXXX. They did not provide me with the original contract as requested in my previous complaints and communications. This debt was the subject of a court case ( XXXX XXXX. XXXX in the XXXX XXXX XXXX XXXX ), which was dismissed without prejudice on XX/XX/year>. 
Reporting this account as active or delinquent is inaccurate and violates the FCRAs requirement to report only accurate and complete information, as outlined in 15 U.S.C. 1681s-2 ( a ). 

Retaliatory Actions : The timing of these actions suggests possible retaliation for a complaint I filed with the XXXX XXXX XXXX XXXX XXXX  XXXX against XXXX XXXX XXXX. 
After filing the complaint, the unauthorized hard inquiry was initiated, and the charged-off account reappeared on my credit report. Representative XXXX XXXX, who initiated the hard inquiry, has ceased responding to my calls and emails for months. 

Experian closed out my original complaints within less than a week. They did not investigate this information in my opinion.
Product: Credit reporting or other personal consumer reports

Cant recieve my credit report or get access to it
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : This letter is a follow up to my original letter dated XX/XX/XXXX regarding an inaccuracy in your credit reporting. Specifically as it relates to unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. 

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you XXXX be liable for your willful non-compliance. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : XXXX. ) Defamation XXXX. ) Negligent Enablement of XXXXdentity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau XXXX : Attorney General 's Office Cc : Better Business Bureau
Product: Debt collection

I was contacted by The Receivable Management Services LLC ( aka RMS ) sent me a letter stating that I owed money to my former university. I have been living in the USA since XXXX, and they're saying I owe this debt from XXXX. How is it possible for me to attend a school in XXXX ( that doesn't offer online coursework ) when I'm here? 

I contacted them to ask for proof of the debt, and they had no issue sending me another letter saying I owe them money but never called me back or validated the debt.
Product: Credit reporting or other personal consumer reports

repeatedly disputed a collection account from an off campus student housing company, included all documentation for over a 18 months, As it was an apartment complex for students only, based on financial aid awards my dependent child was no longer a student, therefore ineligible for housing.

The lease was not broken, there is no unlawful detainer or warrant in debt judgment as required by the State Law. 
The company changes the dates every dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I retrieved a copy of my credit report and immediately noted that Collection Bureau of America had inserted a derogatory entry on my credit reports and had not sent me any correspondence ( dunning letter ) prior to do so that would have granted me 30 days as required by law to dispute the validity of the alleged debt. To that end, on XX/XX/2018, I communicated in writing ( see attached ), my dispute to this company. It is wholly against the law for a company to insert an entry on my credit report without giving me the opportunity dispute the allegation. 

Collection Bureau of America, responded to my dispute in their letter dated XX/XX/2018 ( see attached ). They explicitly acknowledged that they were in receipt of my letter of dispute and request for verification. As such, being in receipt and providing the requested documentation was to no avail. Collection Bureau did not provide any documentation that bore my original signature nor did they provide or furnish an agreement reflecting their authority to collect on this alleged debt in the state of Texas. They did not provide a complete accounting ledger of the alleged debt nor did they provide the name and address of the bonding agent in case legal action becomes necessary. 

Collection Bureau of America ( CBA ) blatantly violated my consumer rights and continues to do so. This alleged debt lacks veracity and verification ; further since they are violating FDCPA mandates to provide me notification prior to inserting it on my credit report and ( 2 ) failing to  cease collection efforts and reporting when they received the letter of dispute. 

This entry should be deleted from my credit report immediately and CBA should remunerate me for the violations.
Product: Bank account or service

I currently have a XXXX XXXX XXXX Account with Regions Bank. 3 months ago I opted out of Standard Overdraft Protection because I am on a fixed income only receiving {$650.00} per month SSI benefits. I have contacted the companies that I had recurring monthly fees but my requests have been in vain. I have been charged for overdraft payments and fees which leave me financially incapable of paying for the basic necessities. I thought that opting out of the Standard Overdarft Protection would result in insufficient funds for anyone trying to send a payment through.
Product: Credit reporting or other personal consumer reports

It is my right to use the Fair Credit Reporting Act Law to protect my consumer report rights to privacy and confidentiality. 

XXXX XXXX XXXX XXXX XXXX XX/XX/2014 Account # XXXX My consumer rights were violated with incorrect reporting on this account. 

Consumer Law 15 U.S.C. 1681 Sec. 602 A. States my rights to privacy.

15 U.S.C. 1681 Sec. 604 A Sec. 2 : States that the consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681 c. ( a ) ( 5 ) States : no consumer reporting agency may make ANY consumer report containing ANY of the following items of information, ANY other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681 s 2 ( A ) ( 1 ) A person SHALL NOT furnish ANT information relating to a consumer, ANY consumer reporting agency if the person KNOWS or has reasonable cause to believe the information is inaccurate.
Product: Debt collection

over a year ago i was apparently in the hospital. i was supposed to be covered by insurance, the hospital never told me about any payment nor did they attempt to contact me. i now have a payment in collections and am unable to buy a house.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I received a letter from XXXX advising me that my XXXX report was frozen. After work I contacted the three credit reporting agencies and ask them to validate the bankruptcy on my credit reports. Each agency had comeback that the information was validated by XXXX and is correct. The problem here is having Frozen my XXXX report in XX/XX/2018 a XXXX not sharing this information with any of the credit reporting agencies it is clear that they did not validate though they said that they did this is a clear violation of section 609 of the Fair Credit Reporting Act which states that validation must be done within 30 days and must be complete it must be accurate and it must be done with the furnisher of information. Though XXXX was never the furnisher they were third-party they are what the credit bureaus use to validate therefore this information must immediately be removed from my credit report because there was no validation although they stated that they did validate and they didn't have other day with the furniture which would have been the XXXX XXXX County Courthouse the three credit bureaus are in violation of the Fair Credit Reporting Act and therefore the information must be removed from my credit report immediately I therefore request that the cfpb investigate this information as I have documentation proving that my statements are true and correct. My only recourse at this point is to have the cfpb direct them to remove this according to the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX, XXXX XXXX XXXX Balance : {$710.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$570.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00}, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

the accounts listed ( XXXX  XXXX ) are fraudulent someone used my photo id and social security number to open these fraudulent account in my name THESE ACCOUNTS DO NOT BELONG TO ME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA & XXXX  XXXX ; XXXX On XX/XX/20, I mailed Equifax, XXXX  and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

on XX/XX/XXXX I was going over a copy of my credit report and noticed that I had some unauthorized Hard inquiries that were supposed to removed in XXXX of XXXX. I immediately contacted both credit bureaus XXXX and Equifax. To make a long story short they did nothing to remove these inquiries. Can you please check into this for me Pleases and Thank you
Product: Mortgage

XXXX My mortgage was recently transferred by XXXX XXXX XXXX  to Wells Fargo XXXX XXXX for servicing. 

After initially successfully creating my account per Well Fargo XXXX XXXX XXXX instructions mailed by post, I got locked out of my account. 

No one was able to figure out how to unlock my account and reset my password. 
Furthermore, they verbally specifically directed me to enter my SOCIAL SECURITY NUMBER as my username into an UNENCRYPTED short text data field on their website. 

I am still unable to access my account, makle a payment, view my personal information, or verify that they have taken proper measurement to safeguard and monitor my account and personal financial information
Product: Mortgage

I purchased a home in XX/XX/2018 through the XXXX home buying program. I went through all the appointments and classes to make sure that I was ready to purchase a home and that I knew my affordable mortgage amount due. 
I closed on XX/XX/2018. I was told my mortgage amount would be {$1100.00}. 
A year alter, I was told by my Mortgage company that my new payment amount would be {$1300.00}. When I closed on the home, the title company told me that I was issued a credit because the sellers paid the property taxes for the home up until the day of closing. A year later, come to find out, they did NOT. Bank of America paid the difference and assessed it onto my mortgage.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the account " Monterey Financial Service account XXXX XXXX has violated my rights as they are reporting on my XXXX XXXX XXXX and XXXX XXXX XXXX 

15 U.S.C. 1681 ( 602 ) ( a ) states i have the right to privacy.

15 U.S.C. 1681 ( a ) sec 604 ( a ) sec 2 states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  || Date of XXXX : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX. I have always made my payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with TRANSUNION & they too are withholding any verifiable proof. I believe their records are wrong & Id like this matter handled ASAP. Please update to OPEN/never late. This is a strict violation of Fair Credit Reporting Act sections 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. This is a strict violation of Fair Credit Reporting Act sections 611, 616 & 617.. 


XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is inaccurate and should not be on my report A company has gotten my medical report, I did not give permission for them to have it nor did I sign for them to have it. This is a violation of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capitol One Auto is reporting an account on my consumer reports as a Charge Off. ( Account # XXXX ) that was closed and charged off by the company. Per the IRS anytime a debt is charged off, the company is supposed to issue a 1099c form to the consumer so that the consumer can report this information on their taxes as income. By having to report it as income means this is now considered a debt turned income once the company decided to charge off the debt. Income is not allowed to be reported on any consumer report, therefore the account with Capitol One Auto should not be reporting on any of my consumer reports as any type of charge off account. This is illegal to report. They are tarnishing my reputation and negatively affecting my life. My credit is also negatively affected due to their false and misleading reporting of the alleged accounts hindering me from obtaining any goods and services without being discriminated against due to having negative accounts being reported on my consumer report.