23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent in several dispute letters dating back to XX/XX/XXXX to have items that were incorrect removed from my credit report. My last set of letters were mailed out in XX/XX/XXXX. I sent in proof that the following debts had either been closed and settled, not validated or no longer my financial responsibility and were to be removed from my credit report : 1. XXXX XXXX, Closed and Settled for {$710.00}, with a letterhead from the company. 

2. XXXX XXXX, I was taken to court by them and the judge dismissed the case because the company could not prove that I never made payments on the account after several requests from the judge. I attached a certified disposition from XXXX County, GA courthouse. 

3. Multiple credit inquiries, I have a fraud alert statement that states that any company attempting to offer credit will need to call me at a specific phone number to verifyu identity. No company has called me to verify any inquiries made in my credit report.

4. XXXX XXXX has not been validated per my request to have this item validated with the information of whom the CRA spoke to or received in writing. 

5. XXXX XXXX company has not been validated per my request to have this item validated with the information of whom the CRA spoke to or received in writing. 

6. XXXX XXXX XXXX XXXX XXXX has yet to validate their account. I explained that I never had an account with this company or are aware whom they are.
Product: Checking or savings account

Approximately XX/XX/2021. My online banking was hacked. There was varies amounts involved. I will attach dispute letters that I received. ( I did not file a dispute on any bills ).. I am attaching a police report case number. Ive called every department in PNC bank. I visited the bank So Much the tellers and managers would go in back to avoid me. 
I lost my car in the process and paid off accounts were reopened.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN I HAVE SENT YOU MULTIPLE CERTIFIED LETTER REQUEST TO UPDATE MY PERSONAL INFORMATION. YOU ARE WILLFULLY REFUSING TO DO SO. I HAVE SENT IN PROOF OF IDENTITY AND YOU STILL REFUSE TO UPDATE MY PERSONAL INFORMATION. IVE BECOME ABSOLUTELY STRESSED BY THIS PROCESS THAT I CONTINUE TO SEND MONEY FOR POSTAGE AND YOU STILL HAVEN'T FIX THE ISSUE!
Product: Debt collection

The debt collection account with Americsn Advisers is a fraudulent account, not my account and is the result of identity theft. American Advisers previous response to the CFPB stated they had XXXX unpaid medical bills for me and my child. I dont have no child or kids. The debt collection account is fraudulent and not my account. I am a victim of identity theft. American Advisers is trying to collect a debt from me thats not my debt or account and the account and debt is the result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing a chapter XXXX bankruptcy being disputed on my credit report. The court ID and plaintiff are not reported correctly. I have asked over the past several years for this information to be removed from my credit report, but it has not been. Also, it has been over 7 years and the bankruptcy still shows on my Equifax and XXXX reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a 30 year conventional loan with XXXX that was sold to The Money Source without my permission or knowledge in 2017. I was just turned down on a land loan because the Money Source reports my mortgage as revolving credit so my credit rating is wrongfully lowered so to the balance to value ratio. The money source claims its industry standard to report a manufactured home as 17 but my home has been purged and permanently affixed to my 7 acres.
Product: Credit reporting or other personal consumer reports

I recently looked at a copy of my credit report and notice fraudulent accounts on my report.please remove the accounts because they are hurting my ability to buy a house for my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of inquiries in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

Greetings In The Name of Jesus The Christ Our Lord and Savior And Salutation according to your declaration of Honor, Integrity, Transparency and Professionalism Listed below are some of our concerns : All of our documents recorded at XXXX XXXX XXXX XXXX have been eradicated in some form from the documents that we have recorded in the books and have copies filed, stamped, and notarized and sent back to us. So we need to know from the Server who is the party that owns the Note.Our case isn't unusual but it is cost deficient for us.We need an interventional source as we have been in this fight since XXXX.A Notice came around XXXX XXXX, XXXX with a claim that the home loan was assigned, sold, or transferred to the new owner Bofa Merrill Lynch Asset Holdings Inc. on XXXX XXXX. The new address being XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX .Phone number ( XXXX ) XXXXIn our research we have found that XXXX XXXX XXXX Company ( Industry ) XXXX XXXX Senior XXXX XXXX XXXX XXXX, XXXX - XXXX. XXXX, XXXX Company ( Industry ) Merrill Lynch Managing Director XXXX XXXX, XXXX - XXXX XXXX, XXXX Company ( Industry ) XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX - XXXX XXXX, XXXX Company XXXX XXXX XXXX Bank of America XXXX Merrill Lynch XXXX XXXX XXXX : Banks, Lending And Mortgage, Investment Banking And XXXX XXXX  ) Managing Director Company and as Owner with a staff of 3 people. This assignment is not recorded at XXXX XXXX XXXX XXXX as such we have found all information removed in recent standing.We no that our Note, was either Lost, Stolen or Destroyed by the now eradicated XXXX XXXX and or others that have been removed from court documents.We are also concerned about XXXX Person Entitled to Enforced the note. 
Therfore we would like to know who the trustee is and who owns the note.
Product: Debt collection

Disputed with all XXXX credit bureaus on XX/XX/2022. They received my letter on XX/XX/2022. It is now XX/XX/2022 and Ive yet to hear back from this company. I sent ANOTHER certified letter that was received on XX/XX/2022 requesting they remove the items disputed since I had not got a response from XX/XX/2022 dispute. Still nothing was removed. The FCRA gives the company 30 days to respond to my first letter of dispute. I have not received response.
Product: Debt collection

Midland Credit is attempting to illegally collect debt. They purchased years ago. They continue to reset debt from years ago, which is highly illegal. The statute of limitations for debt in Texas is four years. The debt they state is owed has exceeded four years. They need to stop contacting me and dismiss this debt that they are illegally attempting to collect. They are breaking the law in Texas and I will proceed with legal action if they do not dismiss this within a timely manner. They are negatively impacting my credit.
Product: Debt collection

I have requested debt validations and have not received any bonafide proof of the alleged debt owed. it is FRAUD. I have also sent certified mail return receipt to the credit bureaus and to the creditor directly. PLEASE REMOVE THIS FROM MY CREDIT REPORT!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached two accounts that are currently reporting inaccurate information to all three of my credit bureaus, I have highlighted the inaccuracies. Per the FCRA anything reported in my name has to report 100 % accurate information. Please delete these two accounts from all three of my credit bureaus.
Product: Debt collection

To Whom It May Concern, The reason for my dispute is CMRE I would like to see proof of claim in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, CMRE failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of Pursuant of U.C.C. - ARTICLE 3 -3-501 ( b ) 2 ( 1 ), I am entitled to demand presentation of the negotiable instrument. That demand is hereby ordered. I demand that you present for my visual inspection MY ORIGINAL WET INK SIGNATURE PROMISSORY NOTE and allonge in XXXX County. This is required to establish your right of enforcement as Holder in Due Course via a chain of assignment as evidenced by the Note or Allonge. Claiming to be the the holder in due course as a statement is insufficient proof of status and is/will be rejected. A photocopy of the documents is insufficient proof as it does not answer the question of who CURRENTLY is the rightful and lawful holder in Due Course.CMRE is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where CMRE is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. CMRE has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account I opened with XXXX XXXXXXXX on and around XX/XX/XXXX. Around XX/XX/XXXX while submitting an application for financing for business I was notified by the bank representative that unbeknown to be me on XXXX and XX/XX/XXXX I was late on the student loan payment. 

I Immediately Contacted XXXX XXXXXXXX by phone first to see what this was all about and also to determine why I was not notified by phone or mail regarding this matter. I did not receive any correspondence from XXXX XXXX until XX/XX/XXXX I received a letter stating that they investigated my dispute and everything was accurate with NO explanation or supporting evidence as required by law. 

Then on XX/XX/XXXX more than 30 days from my initial request to investigate this inaccurate reporting. ( I am attaching the response from XXXX XXXX to this complaint. ) I received an email from XXXX XXXX Executive Office stating that they are in receipt of the dispute and they will be getting back to me. Some of the concerns that XXXX XXXX did not resolve with my dispute request are : 1. I was not notified of the negative item reporting as required by FCRA 623 ( a ) ( 7 ) 2. FCRA 623 ( a ) ( 8 ) gives me the right to dispute information directly with the furnisher and the furnisher XXXX XXXX is required to provide proof to justify this reporting all I received was a canned response. 

NOTE : FCRA ( FACTA ), consumers now have the right to go directly to the original creditor and ask for proof of negative information. In addition, court case opinion No. 00-15946 CV-99-00290-D.C. by the US Court of Appeals 9th Circuit, Nelson Vs. Chase Manhattan, the court ruled that the creditor has the responsibility to investigate and make sure that correct information is being reported to the bureaus, and that the consumer has a right to sue under the FCRA, should his or her rights be violated. 

3. Under the Care Act student loans were all placed on deferment. I am not sure if this is a public or private loan but I believe the spirit behind all Americans at the time was to help one another get passed this unfortunate time so XXXX XXXXXXXX to not even inform me about this late and continue to report to frivolous unverified derogatory account is a clear violation of my rights. 

I also contacted XXXX XXXX by phone numerous time I was told my account was transferred to XXXX XXXX XXXX Ext XXXX who has promised me on 3-4 different occasions that she will get back to me and still has not. 

This inaccurate and misleading derogatory has affected my ability to obtain funding and continue to support my business.
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This isXXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Product: Mortgage

Hello, im reaching out to you because my mortgage company is taking advantage of my financial situation. 
As of XX/XX/2020 i called my mortgage company asking for help due to COVID-19 Shellpoint Mortgage told me that they will help me and not to worry about any charges for paying late. 

i used my savings to continue making my mortgage payments and never missed any payments. Now i found out that Shellpoint Mortgage is charging me for appraisal fees, covid-19 fees plus late fees. 

I called them to speak to a manager about this and never got a response. Now Shellpoint Mortgage is reporting that im behind on mortgage payments when i was never late. 

it is not fair for shellpoint mortgage to take advantage of our financial situation when we never missed any payments and now they are trying to charge for appraisal fees, covid-19 fees plus late fees. 

This is not fair for anyone that was affected due to covid-19. please all im asking is to help me stop Shellpoint Mortgage take advantage of homeowners that are suffering. 

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

I was involved in an accident in the vehicle on XXXX/XXXX/XXXX. The vehicle was declared totaled by XXXX shortly thereafter. XXXX agreed to issue a payment of {$12000.00} toward the remaining balance on the loan, and I had gap insurance through XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX agreed to pay the remaining {$310.00}. The amount has been approved and the check has been sent to GM Financial by XXXX XXXX XXXX XXXX per a phone call on XX/XX/XXXX ; however, because of the delay in payment by XXXX XXXX XXXX XXXX, GM Financial has reported my account as being past due for 30 days to all three credit bureaus.
Product: Bank account or service

On XX/XX/2016 my checking account at Bank of America had a positive balance of {$1100.00}. During the day XXXX electronic debits were presented for payment. They were in the following amounts : {$1400.00} {$33.00} {$6.00} {$.00} Rather than post the XXXX smaller amounts to my account first, which would have been covered by the positive balance, Bank of America, in an effort to create Overdraft Fee Income, posted the largest item first, thereby creating an overdraft balance, them posted the remaining XXXX items. 
The result was the charging of XXXX overdraft fees of {$35.00} each rather than XXXX. 
On XX/XX/2016 another electronic debit for {$7.00} was posted and another {$35.00} overdraft fee was accessed. 

This is an egregious process. To begin with, why did they post the largest item first? Next, its unconscionable to charge {$35.00} for a sub {$10.00} electronic debit. There is no credit risk since they paid the large item and only created {$330.00} overdraft. I have been a customer of the bank for over 10 years. 
Had they returned the item, I would have only been accessed {$35.00} instead of {$170.00}!
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last 2 months XXXX is not reporting properly the status of my Chase visa reward card.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, ZIP Code : XXXX, Ga XXXXEmail : XXXX Phone : XXXX Date : XX/XX/XXXX XXXX  Dispute Department po box XXXX XXXX, TX XXXX XXXX Dispute Department XXXX XXXX XXXX XXXX, GA XXXX XXXX Dispute Department XXXX XXXX XXXXXXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Information on Credit Report To Whom It May Concern, I am writing to formally dispute an inaccuracy on my credit reports issued by XXXX, XXXX, and XXXX. Upon reviewing my reports, I noticed a significant error related to my Capital One account ( Account XXXX XXXX ). 

Specific Inaccuracy : The report states that the account was charged off with a past due amount of {$8800.00} as of XX/XX/XXXX and a balance of {$8800.00} updated as of XX/XX/XXXX. However, there is an inconsistency in the payment history section, which shows multiple charge-offs ( CO ) reported consecutively for several months in XXXX and XXXX. It is factually inaccurate to report a charge-off status repeatedly each month after the initial charge-off date. According to the Fair Credit Reporting Act ( FCRA ), a charge-off can only be reported once and should not appear as a recurring event. 

Additionally, the status update date is listed as XX/XX/XXXX, which does not align with the reported charge-off and past due status as of XX/XX/XXXX. This conflicting information suggests a potential reporting error. 

Requested Actions : 1. Reinvestigate this account information with Capital One to verify its accuracy.

2. Correct the status of the account by removing the repeated charge-off entries if they are indeed inaccurate, or provide supporting documentation validating the reported information.

3. Update my credit reports accordingly and send me corrected copies.

Please consider this letter as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I have attached a copy of my credit report highlighting the inaccurate information for your reference and request that XXXX and XXXX also verify the accuracy of this account. 
I would appreciate your prompt attention to this matter and a response within 30 days of receiving this letter. Should you need any further information to complete the investigation, please contact me directly at the phone number or email listed above. 
Thank you for addressing this issue promptly. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report states that I applied for a Disaster Assistance Loan from the Small Business Administration. I have made a complaint to the CFPB and sent 5 letters to Experian. They refuse to remove this credit hard pull even though I never applied for assistance or credit with the S.B.A. O.D.A.

Secondly, they are in violation of the Fair Credit Act by not removing incorrect information.

I was in the past a victim of identity theft and I feel that since I never applied for any loan or product with the S.B.A. that this must be identity theft.

I AM ASKING THE CFPB ADVOCATE ON MY BEHALF TO REMOVE THIS INCORRECT INFORMATION. THE NEXT EMAIL I SEND IS GOING TO BE TO SENATOR XXXXXXXX XXXX OFFICE. EXPERIAN ALREADY DECLINED REMOVING THIS INFORMATION UNDER FILE XXXX FOR NO REASON. THIS IS ILLEGAL!!!!!
Product: Mortgage

are working on behalf of the homeowner and are working on a short sale. The short sale was closed out without due notice and we were informed that SPS can no longer open a short sale case on the property.
Product: Bank account or service

I received an offer from HSBC bank to get {$350.00} if I open a checking account and keep {$3000.00} balance for 3 month and pay 2 bills per month from the checking account for 3 consecutive month. I did all of this for 3 month and today I received a letter from the bank that they are now closing my account because of some " Rules for Deposit Accounts '' and of course they did n't honor the {$350.00} bonus that they advertised. Very strange, that they opened this account, kept it for 3 month and used my money and when it come to pay the bonus, suddenly I am not qualified for the account. I think it is a fraud on their part and I will bring this matter to the Attorney General 's office and Federal Trade Commissioner if it 's not resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and I have recently discovered that I have become a victim of identity theft. I am writing this personal statement on behalf of myself. My information was utilized to apply and/or obtain financial goods and/or services without my knowledge or consent. I am requesting that the following information be removed from my accounts immediately ; XXXXXXXX XXXX XXXX XXXX, XXXX. I am a victim of identity theft and did not make these charges nor did i authorize or approve these accounts to be opened.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inclusion of a fraudulent account on my credit report. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), I request the immediate removal of the following information. This account was opened fraudulently and does not belong to me. I have not authorized this account, nor have I ever had any dealings with this creditor. To support my claim, I have enclosed a copy of an Identity Theft Report that I filed with the Federal Trade Commission ( FTC ) [ or a police report ], which verifies that I am a victim of identity theft. Under Section 605B of the FCRA, you are required to block the reporting of this fraudulent information from my credit file within four business days of receiving this notice. I expect you to fulfill this legal obligation promptly and to notify me once the account has been removed.
Product: Money transfer, virtual currency, or money service

Case XXXX. Your company closed my dispute claiming no error had occurred, when in fact an unknown person stole my purse and its contents. The no error has occurred is based upon technology. your company is not basing this upon a criminal act of which I had no control. You are backed by several banks and are FDIC insured. The police can not locate the suspect it was in a public place. I WANT to speak to an executive. Im not letting this go. I think its despicable especially when I informed cash app that multiple my cards were taken such as credit cards and other bank cards that I own. I am working with those banks. I need to speak to a live person and have this resolved that this case is not being closed without my money being refunded because my identity has been hijacked. The IRS and FBI are well aware as I filed reports with them as well.