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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XX/XX/year>. 
XXXX XXXX XXXX XXXX Attention : XXXX XXXX Department XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Subject : Charge Off Paid Account Deletion Request Dear Sirs of XXXX XXXX I am writing to you regarding account number [ XXXX ] that was recorded as " charge off '' on my credit report. This letter is a formal request to have this negative record removed from my credit report as the account has been paid in full. 
I understand the importance of maintaining an accurate credit history and have worked diligently to pay off all of my debts. I paid the bill in full and have since taken significant steps to ensure I maintain good credit. 
I recognize my responsibility in this matter and am grateful for the opportunity to have been able to resolve the debt. However, the continuation of the " charge off '' on my credit report is significantly affecting my ability to access new credit opportunities and improve my financial situation. 
I am kindly requesting that, as an act of good faith, and in consideration of my effort to rectify my financial situation, you remove this charge off account from my credit reports with the three major credit bureaus ( XXXX, XXXX and TransUnion ). 
Attached to this letter, I include proof of payment of the account in full. I appreciate your consideration and am willing to provide any additional information you may need to process this request. 
I thank you in advance for your attention and understanding in this matter. I await a positive response and look forward to your confirmation of the removal of the account from my credit reports. 
Sincerely, [ XXXX XXXX XXXX ] Attachments : - Proof of payment :
Product: Credit card

On XXXX XXXX my wife XXXX due to her " HIDDEN FROM ME '' massive charge card debt. I notified every one of the companies that were a victim of her forgery and fraudulent activities. She shredded every document in this house and gutted our P.C. She robbed the household of our retirement money and was possibly the one that orchestrated the robbery of our home in XXXX of 2014. 
I found out about a Bank of America account as a result of trying to borrow enough money from my credit union for her funeral. Initially BOA had no information about me on record according to the branch bank I visited here in XXXX Michigan. In the spirit of co-operation I gave the person at that bank branch my S.S. number. BOA has now turned all of her fraudulent charge card debt into an account for me. I have had to hire legal representation and told them I will see them in court for a resolution. 
Now in the last two days they have been calling my house by utilizing a recording. My attorney has advised me this is against the law and this is why I am contacting you. 
My attorney has sent them a letter advising them to leave me alone and any future correspondence should be directed to him. They are ignoring it. I do n't need this XXXX after my wife XXXX and gutting this household of most of the finances. They had better stop and it had better be sooner than later.
Product: Debt collection

XX/XX/XXXX the student loan was taken out for XXXX XXXX with my now XXXX uncle was the main borrower/ co-signer. The loan was predatory with in-fluctuation in interest rate. President Obama and congress set up actions against the predatory student loans companies. I was not able to finish school and therefore it became into repayment. I asked fo deferment or assistance. XXXX handled the the loan initially, they were unforgiving and I was asked to pay over {$500.00} a month. I was not able to afford and loan went into default and then charge-off status. I recently received a letter on XX/XX/XXXX in regards to attempt to collect over {$40000.00} with interest capitalization. Please assist with getting XXXX XXXX to stop the attempt collect on student loan that I am not able to pay and my XXXX uncle is XXXX XXXX XXXX  to help.
Product: Credit card or prepaid card

I received a text from USAA concerning fraud on my debit card. A couple of charges were for XXXX and of course I did not authorize any charges of XXXX. USAA never informed me they turned off my card even when I was on the phone with them. Great customer service. Now I am having any charges and automatic payments failing. I called them and keep having to push several buttons and end up in the wrong departments. The people running USAA claim they are for veterans. I see no indication of this and they are a bunch of idiots.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX 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 or other personal consumer reports

i been asking for verification and documentation providing accurate information on my credit report to make sure its 100 % accurate its been 4 months of disputing that 120 day and no documentation received on XXXX XXXX they deleted a account XXXXXXXX XXXX XXXX XXXX account # XXXX they put back on XXXX XXXX XXXX that breaking the law over and over I'm requesting assignment contract from any creditor thats reporting bad information on my profile please and thank hope I finally can get some help 15usc code 6802 15usc 1682b 18usc 1028 plz remove these item or
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 my mortgage with Nova Home Loan was paid in full. I disputed the balance and they have refused to report that loan is paid in full and reported to credit bureau that their reporting in correct.
Product: Checking or savings account

Unable to link my funding source on XXXX, says PNC restricted the way I can link to my banking account.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I noticed an unauthorized transaction on my card. The transaction was made on XX/XX/year> in the amount of XXXX XXXXXXXX soon as I saw the transaction I reported it. The report date is XX/XX/XXXX XXXX the transaction was made in store. The report came back stating that I am responsible for the transaction. I did not authorize this transaction, and I disputed it several times more. In XXXX of the reports it stated that the decision was based on the following : When you provided ( name of person ) with your account number and expiration date, you assumed liability for any resulting charges.The name inserted there is my name. I called them and explained this to them. 
I was told it was a in store transaction and that they would look at video. They also asked me to send a copy of my state issued I, XXXX, XXXX with a police report, I sent my ID and the police XXXX 's card that includes all of his information and the report number. The last report from Home Depot, which is the card in dispute, is still stating that I provided myself with my acct number and exp. date.Therefore I assumed liability for the charges.This is not accurate. I did not authorize this transaction. I dont know if they reviewed video, that information wasnt shared with me. The video will prove it wasnt me. Whomever it was, they were not in possession of my card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have look through my credit report and notice a lot of identity theft and fraud on my credit report I have sent letters certified mail ask each of them to validate all of these keep sending me receipts and they need to collect a debit which is not the original creditors the original creditors is sharing my info with alot of debt XXXX without my permissible purpose. I even got a return to sender mail back to me which is inaccurate information reporting also. So yes alot of debt XXXX are doing illegal activities.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I notice my credit score dropped. 
XXXX XXXX XXXX XXXX had reported the same XXXX  loans again for the second time. 
So it's showing doubled the amounts on my credit report that have already been reported. 

The amount is also for the full amount instead of the amount that I actually owe. 

I only owed about {$70000.00} for XXXX but now my credit report is showing {$130000.00} for XXXX.
Product: Checking or savings account

I called USAA today XX/XX/XXXX because someone emailed me and said my account was closed. I get XXXX income on the first of the month so it was no time for me to change my direct posit they told me thats not their problem and that my account was close on the XXXX I never got a letter saying that my account was closed or anything like that Ive had that been for a very long time they know that I get direct apposite but yet they close it over {$29.00}. And then I told the lady that I cant be late with my bills she told me oh well maybe theyll see you the check and 20 days and I was like that wont work how am I going to feed my family. She said well send it in 20 days
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a veteran and all my school loans should have been paid or reimbursed though military.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XX/XX/XXXX, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity.

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a prompt and thorough investigation of disputes and correct any inaccurate information within the mandated timeframe. Your delay in addressing this matter raises concerns about compliance with federal law and the integrity of your processes. 
I kindly request the following : 1. Immediate removal of the erroneous address from my credit report.

2. An updated credit report reflecting the corrected information.

3. Written confirmation of the actions taken to resolve this dispute.
Product: Checking or savings account

Citi bank blocked my account a week ago, claiming that they had to review my account due to suspicious activities. The only activities were two transfers from and to my other accounts. At the time, they promised me 24-48 hours for resolution. Now, it has been over a week and I have not been able to access the funds in my account, neither was I able to check the status of a subsequent transfer. I have called their fraud department multiple times and every single time they asked me to wait another 24-48 hours. Based on their description, the back office reviewing the case does not take calls and can review the case in whatever time frame they would like.
Product: Credit reporting or other personal consumer reports

Upon checking my credit report I see inquries that I did not give permissible purpose to furnish or use my private and perosnal information for financial gain. This is identy theft violation 15 USC1681b ( 2 ). Below are the accounts. 

XXXX. XXXX - XX/XX/2024 XXXX. XXXX XXXX XXXX XXXX XX/XX/2024 XXXX. XXXX - XX/XX/2024 XXXX. XXXX XXXX XXXX - XX/XX/2024 XXXX. XXXX XXXX XXXX XXXX - XX/XX/2024 XXXX. XXXX XXXX XXXX XX/XX/2024 XXXX. XXXX XXXX - XX/XX/2024 TRANSUNION - XXXX & XXXX IS ALL REPORTING THESE INQURIES.
Product: Mortgage

1. In XXXX 2016 I had a case number on cfpb : XXXX. It seems the case was dropped. I am not sure why. Please advise. 

2. I forgot the password to get access to my account on cfpb. Cfpb does not allow me to get a new XXXX ( but to reset the old XXXX requiring to enter the old password, weird ). Please advise. 

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

THIS IS NOT A DUPLICATE COMPLAINT I have a student loan with Common Bond but XXXX is the servicer. I applied for a forbearance in XX/XX/2020 and it was granted by the Note holder XXXX XXXX but XXXX continues to report it late. I have all my e-mails and documents showing this but XXXX and the credit bureaus have not corrected my credit report.
Product: Mortgage

on XX/XX/XXXX I purchase a home, It had taken me about 3 years to save for the down payment and I was able to put down {$530000.00} on this property. In XX/XX/XXXX when the housing market started to crumble and many home value decline I fell behind on my mortgage. After a long court battle I was offer a modification. I did not realize at the time because it had been six years in court I was financially exhausted and mentally drain that JP Morgan Chase was putting a new mortgage that was more than three times the value of the property. At the time they were doing this, they had receive a $ XXXX TARP Bailout from the US Government, Additionally it was illegal to palace such a modification that was three times the value of the property.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Balance : {$680.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ( Balance : {$1000.00} SECURITY CREDIT SERVIC ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$350.00} XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX, CT XXXX XXXX XXXX XXXX XXXX, OH ] XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$130.00} XXXX XXXX XXXX Balance : {$570.00} XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance XXXX {$2100.00} XXXXXXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXX XXXXXXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my credit report and noticed a series of late payments reflecting for months XXXX of XXXX  being reported on my credit report. I reached out to the Credit Reporting Agencies via mail and phone to resolve the errors as I have not been late. 
Furnishing late payments due to any billing errors is in direct violation of 15 USC 1666B. I requested verification of the late payments as to date I have not received any updated information. 
The late payments are impacting my payment history and my ability to obtain credit. I have not been late with the following creditors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reporting these late payments on my profile are indeed inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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

XXXX XXXX BANK ACCOUNT # XXXX AMOUNT {$XXXX} XXXX XXXX BANK RAN OFF THIS ENTIRE BALANCE AS A LOSS, IT SHOULD NOT BEEN SOLD TO A THIRD PARTY COLLECTION AGENCY TO BE COLLECTED. 

THIS ACCOUNT IS RAN OFF AS A CHARGE OFF AND I NEVER RECIVED A XXXX CANCELLATION FORM FROM THEM AND BECAUSE OF THAT THIS ACCOUNT IS NOT ACCURATE AND IT SHOULD SHOW A XXXX BALANCE
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 XXXXXXXX has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit bureaus are not reporting on time and ignoring my letters, XXXX if not all credit information is reported 120 days late no change in accurate information, reporting duplicate late reporting incorrect name, spelling and addresses wrong debt owed not deleting debt owed after 10 years
Product: Credit reporting, credit repair services, or other personal consumer reports

I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within Transunion report XXXX This denouncing of themis-reporting/mis-informationaffidavit ( DOMMA ) is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit
Product: Mortgage

I have a problem with my mortgage modification from Bank of America that I wanted you to be aware of, and to see if there was anything that you could do to help. Simply, Bank of America significantly changed the terms from what I was offered and accepted for the trial modification to what they offered as the actual modification : Trial Modification Offered & Accepted XXXX XXXX XXXX, 2015 XXXX : Interest Rate 2.750 % Months to Pay Off Loan XXXX & I Payment $ XXXXActual Modification ( XXXX XXXX, 2015 ) Interest Rate 5.250 % ( +2.500 %, 92 % higher ) Months to Pay Off Loan XXXX ( XXXX, +17-1/2 years ) P & I Payment {$2200.00} ( + {$30.00} ) I accepted the trial modification terms as offered, thus avoiding formal mediation in Nevada 's Mediated Mortgage XXXX Program ( MMMP ) as part of my Chapter XXXX Bankruptcy. On XXXX XXXX, 2015, after XXXX successful trial payments, Bank of America sent the mortgage modification documents, but with the new terms. 
I signed the documents on XXXX XXXX, 2015 so that I could keep my home, on advice from my bankruptcy attorney. On XXXX XXXX, 2015, the Bankruptcy Court approved the modification, with it entered on XXXX XXXX, 2015. 
The question that I have repeatedly asked Bank of America, and that they seem incapable of answering is : Why did you offer XXXX set of terms for the trial and change those terms for the actual modification? 
Did Bank of America commit fraud or breach of contract with these bait-and-switch modification tactics - and does this constitute misleading financial practices? 
Am I just stuck with this new mortgage? Is there anything you can do to help? I would be more than happy to provide you with all relevant modification documents. 
Thank you for your time and consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX and I am a real person. I am writing to you in regards to the Credit Reporting Bureaus such as XXXX, Equifax and XXXX reporting incorrect information on the credit reports. I have my rights protected under the Fair Credit Reporting Act and the 15 U.S.C. 1681. I have been trying to remove wrong invalid addresses from my credit reports, sent letters and called numerous times and asked XXXX, XXXX and Equifax to remove wrong and undeliverable addresses from my credit report. I am missing important mail and I don't need these addresses reporting and I don't want ANY of my mail to go to any of the addresses by MY CURRENT ADDRESS. My current address is : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, VA XXXX. I will attach supporting documents, my bank statement and my recent utility bill to provide evidence. Please help me resolve this issue. The only address that MUST BE REPORTED IS MY CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, VA XXXX! According to the FDCPA 15 USC 1692g the bureaus have to report XXXX percent accurate information. 
Please remove the following addresses from my credit reports : XXXX XXXX XXXX XXXX XXXX, VA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX, XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX, XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX, VA XXXX, XXXX XXXX XXXX XXXX XXXX, VA XXXX, XXXX XXXX XXXX XXXX XXXX, VA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX. 
All these addresses are incorrect and not deliverable and must be removed from my credit report. I will attach supporting documents and my credit reports.