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

XXXX XXXX. XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX  XXXX Equifax XXXX. XXXX  XXXX, XXXX, XXXX XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX XXXX/XXXX XXXX   XXXX XXXX/XXXX XXXX XXXX/XXXX   XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1985 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Product: Debt collection

During a move to another state, my brother who co-signed my lease paid the final amount owed to the alleged collectors. Not until recently when I tried to purchase a home as a first time home buyer did I get notified of this debt. They claim of damages but never was notified of such in any fashion, I always forward my mail and by the way I have always kept my parents home as my main address.
Product: Checking or savings account

I am inquiring about account numbers, which belong to my decreased brother. I am the beneficiary on these accounts. 
As of XX/XX/2022, I was told by representatives, I as the beneficiary could not close these accounts. I proceed to talk to the Regional Director and I was informed she would get back in contact with me regarding these accounts on XX/XX/2022. 
On XX/XX/2022, I have sent certified letters to the Chairman/CEO and President/COO. Could you please help me with this issue? 
As of today, XX/XX/2022, I need to know what's going with these accounts.
Product: Vehicle loan or lease

My car note was recently acquired by  Flagship Credit Acceptance  from  XXXX   XXXX . As I 've done with  XXXX   XXXX , I set up auto pay for my loan, over paying weekly in excess of the monthly payment. Everyday, EVERY SINGLE DAY, no less  than 6-8 ( SIX TO EIGHT! ) times a day, Flagship calls to collect  money I do not owe! Flagship sends me emails weekly to acknowledge the deductions yet they harass my family and me by endlessly calling our home phone as well as my cell. I 've attempted to block these harassing calls but they keep calling from different numbers ; either a  XXXX ,  XXXX ,  XXXX  or  XXXX . This has to stop! I AM NOT BEHIND IN MY PAYMENTS! As a matter of fact, I am OVERPAID.
Product: Mortgage

My mother passed away XX/XX/XXXX and she had a reverse mortgage on her home. I am the sole heir to my Mother 's estate and live in this property. It is my desire to purchase this home under the provisions of the FHA reverse mortgage. When I notified the mortgage servicer Reverse Mortgage Solutions ( RMS ) ( XX/XX/XXXX ) and told them what I wanted to do, they had me fill out paperwork for them. I was never told that the home needed to go through probate by them. It was n't until late in the process that they informed me about the home having to go through probate. I have been approved for the loan to buy the home, but they have filed a notice of trustee 's sale and the house will be sold on XX/XX/XXXX. I have asked for a postponement but they have not granted my request. I have lived in this home since birth ( XXXX years ) and I do not want to loose this home as it was my Mother 's desire for me to have this property. 
Every time I call RMS I seem to get a different person which has also been very frustrating since they never seem to have documents I have sent to them previously.
Product: Credit reporting or other personal consumer reports

Please take note of the enclosed documents, which include a letter and various supporting documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account XXXX XXXX, XXXX  ACCOUNT XXXX, XXXX ACCOUNT XXXX, XXXX XXXX ACCOUNT XXXX, XXXX XXXX ACCOUNT XXXX, XXXX ACCOUNT 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX should not be reporting each inquiry listed as a separate line item on my credit report. ( Please see page attached. ) These multiple inquiries are well within the 14 45 days that is typically allowed to check different lenders and find the best loan. These inquires are all the same lender and therefore should only be reporting as ( 1 ) line item. All of these inquiries are of like kind. They are not separate, individual entities. This reporting of multiple inquiries is seriously harming my credit score and these line items need to be removed and report only ( 1 ) inquiry. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint to follow up the most recent CFPB complaint I submitted to the Credit Bureaus requesting the immediate removal of the disputed accounts and information completely from my Credit file. Under the Fair Credit Reporting Act section 605b, the Credit reporting Agencies are required to remove the disputed accounts and information completely from my Credit File. I also sent a dispute letter to each of the Credit Bureaus on XX/XX/XXXX with complete attachments of my personal information as well as the IDTHEFT REPORT I received from the FTC. Once again, I am looking forward for the immediate removal of the following items completely from my Credit file : XXXX CARD XXXX Balance : {$21000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX Balance : {$86000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Bankruptcy : Dismissed XXXX Reference # : XXXX. If the Credit Bureaus claim that the disputed accounts and information belong to me, I require the Credit Bureaus to send me copies of proof of verification or any documents bearing my signature. In the event that the Credit Bureaus can not prove the items ' validity, immediate deletion of the disputed items is appreciated.
Product: Mortgage

I communicated with a PennyMac receptionist on XX/XX/year>. I was offered to do a loan modification, repay the forbearance balance or defer the balance onto the back end of the loan. I made the decision and communicated to the staff over the phone to defer the balance onto the back end of the loan. I received a call on XX/XX/year> and was told the decision was pending of a denial and more details to come. I am eligible to defer the loan for 12 months based on the fact from Fannie Mae guidelines.
Product: Credit reporting, credit repair services, or other personal consumer reports

With our lives ( and livelihood ) dependent on credit reports, the law should require these agencies to be a lot more transparent than they are. Specifically EXPERIAN. I had a breakin where a lot of PII was compromised including drivers lic, SSN, checking and banking info etc. I placed a freeze on all of my credit reports. XXXX was the most easiest, and most helpful. In fact they took my police report and contacted the other bureaus. 

I'm attempting to unfreeze my credit so I can buy a place to live after the break-in. Again, XXXX and XXXX were a 3 minute phone call each. I am now required to mail a request to unfreeze my Experian report because their phone and online systems are circular and not helpful. There should be a requirement to make them be as accessible as the others. My clearance is dependent on my credit report but the govt isn't making this easy to fix!
Product: Debt collection

Portfolio Recovery Services is trying to collect a debt from me that is not mine. I got repeated phone calls where they refused to identify themselves until I told them my name. Then they would not tell me their business because I would not tell them my address. I got several of these calls. I figured out who they were and complained to the state of Utah and to XXXX. They responded to the XXXX complaint and stated that they had no debt associated with me and agreed to delete my phone number from their records. But they got my address from the XXXX complaint ( Case # XXXX ). I have now received a letter from them with information on the account they are trying to collect. It is for a XXXX account. I have never had a XXXX account, I have never purchased anything from XXXX, and the address on the account is not mine. I have been living at my current address for over 20 years ( the account they are trying to collect is from 2014 ). I googled the name and address, and the name on the account matches the name at the address. I have the same name, EXCEPT for the middle initial. I called Portfolio Recovery to try and tell them that the person on the account is not me and the account is not mine, but when I refused to give the guy ( XXXX ) the last XXXX numbers of my social security number, he hung up on me. I will not give them my SSN under any circumstances, because I am sure they will use it to affect my credit. 

Portfolio Recovery has arbitrarily assigned a debt to me that IS NOT MINE. My name is very common - there are dozens ( if not hundreds ) of people with the same name. Without any justification, they have pulled my name and number out of the phone book and started harassing me. I am pretty sure this is not a case of stolen identity. I have XXXX credit monitoring services active right now ( from the XXXX hack, and the XXXX hack - I had a security clearance until I retired ), and I have also reviewed my credit reports ( as a result of the Portfolio Recovery phone calls ). There is nothing untoward on my credit reports, unless they have done something in the last couple of weeks.
Product: Credit card or prepaid card

Hello Sir or Madam, XXXX XXXX XXXX, XXXX an unauthorized charge of {$400.00} into my account which I had completed the agreement on XXXX XXXX, XXXX for the handyman. 

I notified XXXX on XXXX XXXX, XXXX that I did not authorize the charge, no card was swiped in his credit charge machine, no phone call to authorize the charge, and he was not even at my house. 

I filled in the paper work for dispute. 

On XXXX XXXX, citicards said it was a fraud issue therefore went to fraud dept. No response. I called within a week and they said that does n't below that department. 
On XXXX XXXX, I talked to the supervisor XXXX in dispute dept and he said look into it. 

On XXXX XXXX, I called into dispute dept and XXXX said it will forward to an investigator. 

On XXXX XXXX, the security dept emailed said that this is not their dept. to handle the case. 

On XXXX XXXX, I called the dispute dept. and XXXX then XXXX said it will forward to investigator. 

On XXXX XXXX, called the dispute dept. Could n't provide me an answer and they sent a form to complete XXXX XXXX XXXX, I faxed the form. 

On XXXX XXXX, received an email that they could n't read my fax. 

XXXX XXXX emailed the form. 

On XXXX XXXX, I called dispute dept. and XXXX responded that they will forward to investigator. 

On XXXX XXXX, I talked to XXXX in dispute dept and she said the her supervisor is looking into it. 

On XXXX XXXX, I contacted XXXX for consumer help. XXXX was able to get some help from the XXXX area of Citi Bank ( XXXX ) phone # XXXX XXXX ]. She said the whole process start from beginning again. Will have the resolution in XXXX XXXX XXXX line is that I talked to the handyman in mid XXXX XXXX about the issue. 


I never did authorize this charge period. Everytime that I authorize the charge is running through his credit charge machine. 

So, with that credit card machine supposedly an authorization code is attached onto the credit slip. But for that specific day -no authorization is performed. 

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

my credit is taking a hit unneccesarily. I pay all bills on time and XXXX out my credit card balances monthly.
Product: Mortgage

This is for a coop sale of an apartment in XXXX, NY. My attorney requested the stock and lease from Bank of America, my mortgage lender, on XX/XX/XXXX. It is XXXX XXXX and the Bank has submitted an incomplete file. My phone calls get cut off ( one on XX/XX/XXXX after holding for 1hr48min! ). We need  either the stock and lease or an affidavit for lost stock and lease. I originally got the mortgage from Countrywide in XXXX, so in selling the mortgage to Bank of America the stock and lease were apparently lost. 

Attachments to this complaint document the complaint I filed with the New York State Department of Financial Services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SUBMITTED COUNTLESS DISPUTES REGARDING FRAUDULENT AND INACCURATE INFORMATION. 

USAA SAVINGS BANK XXXX, I WAS NEVER LATE, I AM DEMANDING THAT THIS LATE PAYMENT IS REMOVED IMMEDIATLEY!
Product: Credit reporting

Equifax has denied me and others from being able to view my credit report. I called in to inform Equifax of certain inaccuracies on my report and from that point on I 've been mistreated by Equifax Office of Consumer Affairs. I have been hung up on and yelled at from several employees in the office of consumer affairs and its manger or supervisor by the name of XXXX. She has instructed her employees to not even verify me and call me out by my name without verifying my identity. Now when I call I ca n't even reach an agent. They just blind transfer me to an empty voice mail based on my caller ID when I call in to get service on my file.
Product: Mortgage

I was recently notified that Countrywide/Bank of America Home Loans ( Account # : XXXX ) is now incorrectly reporting on my credit reports that my former residents at : XXXX XXXX XXXX XXXX XXXX CO XXXX was a foreclosure. Which is untrue and I was assured that if I took the short sale offer the information on my credit reports would not be deemed a foreclosure! I have always been concerned about this program that essentially forced us out of our home because Countrywide/Bank of America Home Loans would not consider us for a Loan Modification!
Product: Debt collection

Hunter Warfield has been calling me non stop over and over again. When I moved from my apartment complex in 2014 I gave notice paid them and I paid Hunter Warfield. Then four years after I move from the apartment complex and Hunter Warfield added a {$500.00} to my credit report when I sent the debt validation request all they sent me was a copy of my lease, not a claim or any other reason for charging {$500.00} because I never did anything.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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. 
Please remove the following items from my credit report, immediately : XXXX. XXXX XXXX - XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX XXXX  - XXXX
Product: Checking or savings account

I sign up with an advertising company that was supposed to part of the XXXX XXXX.I was to have my vehicle wrap and in return I was to get paid for it. There was a payment sent to me XXXX and was advised that when receiving the payment to make deposit take out my first week of pay than make arrangement with company with balance to have my car wrap I never did try to get any funds until check cleared, but it never did my acct was closed n I was charged for a bad check.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The EXPERIAN AND XXXX Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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
Product: Credit reporting or other personal consumer reports

I'm writing to communicate my XXXX  in regards to the contested records on my credit report. On various occasions, I have raised the issue of mistakes in these records, and have reliably mentioned that they be entirely researched. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These mistaken records are seriously harming my credit document and blocking my capacity to carry on with a typical life. The adverse consequences of these mistakes have caused massive difficulties for me, and I'm left with no decision except for to argue for your help with amending what is happening straightaway. I mercifully demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the important advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and uprightness of my credit record so I might recover command over my monetary prosperity. I truly encourage you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue expeditiously would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXXXXXX XXXX XXXX Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Student loan

My loans were consolidated in XX/XX/XXXX ( some loans paid in full at that point ) and the remaining loans forgiven XX/XX/XXXX so my current XXXX  loan balance is XXXX. Mohela, my loan servicer, still has the XXXX loans that were paid in full in XXXX, on their account/dashboard and are requesting payment although my loans have been forgiven through the XXXX program earlier this year. I have tried for 2 months through Mohela ( written and phone complaints ) and XXXX  complaint ( closed no help ) and they are still on the account, balance of {$240000.00}. XXXX  has my loans balance at XXXX for all loans. Please help. ( I attached a copy of the XXXX zero and paid accounts for my student loans as attachment ).