23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Reference case # XXXXXXXXBank of America 's reply. On the document they attached to my previous complain it states on page XXXX, under instructions and notice to debtor ( item XXXX ) " The law requires you take certain steps to make sure the decision is in your best interest. IF THESE STEPS ARE NOT COMPLETED, THE REAFFIRMATION AGREEMENT IS NOT EFFECTIVE, EVEN THOUGH YOU HAVE SIGNED IT. ) Step XXXX. If you were represented by an attorney during negotiation of your reaffirmation agreement, you must have signed the certification in Part XXXX - This was never completed by my attorney, Bank of America never had a representative during the meeting with the Judge at that time, nor did First Franklin. That 's why several of the steps were not completed and when they submitted the Foreclosure of the property they stated they were trying to get the note signed again. 

I had my attorney present at that time representing me and was when she presented me with the reaffirmation documents she had me signed them but she never completed them, as you can see no where in any of the documents Bank of America submitted has or had my attorney 's signature or any representative from the court.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an XXXX loan  for a XXXX  that I put $ XXXX down and XXXX  sold the vehicle and still reported a charged-off balance and never updated it ... I've disputed with the bureaus and only XXXX  has corrected the mistake. I've made several attempts with XXXX  and finally got them to send me something. I just want this account fixed. Someone told me that the credit bureaus get paid money from creditors to leave items open .... I did everything I was suppose to do. Thank you for helping and hearing me
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting a complaint to you today to inform you I was the victim of identity theft. I recently received a copy of my credit report and was shocked to find that there are several items that I did not open and have no knowledge of. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts and information listed on an ID THEFT RPORT. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX MS XXXX XXXX XXXX XXXX XXXX MS XXXX XXXX XXXX XXXX XXXX MS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX ME XXXX XXXX XXXX XXXX XXXX ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX PA 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. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. 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 an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) blatantly infringe upon federal regulations, as stipulated by multiple statutes. 

Primarily, 15 USC 1681a mandates precise consumer information reporting. In this instance, the reported accounts fail to meet this standard, constituting a clear violation. Furthermore, the absence of a clear and conspicuous opt-out mechanism, mandated by 16 CFR 313, points to non-compliance, reinforcing the violation claim.

Additionally, violations of 15 USC 6802 and 15 USC 6803 are glaring due to the absence of clear consent for information sharing, directly violating privacy standards. The violation of 15 USC 1681b underscores a failure to adhere to permissible purpose requirements, further supporting the factual claims.

Moreover, the reported accounts allegedly breach IRS Pub 4681 and 5 USC 5528, as discharged debt is purportedly not reported as income, infringing upon tax and disclosure obligations. These violations encompass not only the illegal reporting of transactions but also the sharing of consumer non-public information with non-affiliates, actions explicitly deemed unlawful.

The solid foundation for these claims is deeply rooted in the Fair Credit Reporting Act ( 15 USC 1681a, 15 USC 1681b ), Code of Federal Regulations ( 16 CFR 313 ), and pertinent statutes ( 15 USC 6802, 15 USC 6803, IRS Pub 4681, and 5 USC 5528 ). These factual assertions demand immediate corrective action, including account rectification and compliance with the stipulated laws. Failure to address these violations may lead to legal consequences, as substantiated by the extensive legal framework governing such matters.
Product: Credit reporting or other personal consumer reports

4 hard injury are on my credit that was not authorized
Product: Money transfer, virtual currency, or money service

Im user of the company ( CONBASE ) on COINBASE.COM since 2019. 

On XX/XX/XXXX I received an email of COMPLIANCE asking me I was manual selected for a ID VERIFICATION, then they block my account and my card Associated to the account and send me a link to upload my ID or Passport. I send all of that, and wait for 3 days.. then I claim them against Email and then they asked me for a Proof of residence and then I send them, after this they Start to send me emails asking me LOT of things till I know COINBASE dont need to know about are a PERSONAL and PRIVATE information like : How much money I win, Send the Bank Report of last months, send a Proof of receipts of payments, send the documentacin of ALL my companies, and after SEND EVERYTHING of that they stop to reply... 

After that I try to Contact them on Phone, Mail, XXXX, XXXX ... and the company dont reply. Like I told them Im right now on XXXXXXXX XXXX XXXXXXXX in a Tourist trip of 3 months, and what they are doing after ONE MONTH for a " ID VERIFICATION '' its Block MY MONEY, MY CARDS, MY WITHDRAWS... I need to CLAIM THEM a compensacin about I needed to ask for a money in debt to Friends againd this situation! 

They have a REALLY BAD COMPLIANCE DEPT. and they need to UNBLOCK MY ACCOUNT, AUBLOCK MY CARD, and COMPENSATE for my time and the moral damage they do it to my during this process during ONE MONTH for a simple ID verification... ( I also send a video selfies on their website ) I need help.
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.

These accounts and Inquiries 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 1681c. ( a ) ( 5 ) Section 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 seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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

I disputed some incorrect information that was showing on my XXXX, Equafax and XXXX credit reports. All three CRA 's came back with " Verified as Accurate '' yet all three CRA 's are showing different information that is unverified and inaccurate. 

I will explain the issues and attached the credit reports I was given after the dispute came back " Verified as Accurate ''. Equifax did fail to send me an updated Credit Report after the information was allegedly verified as accurate. 

XXXX - The Before Dispute is showing No monthly payment, and Date of Status as XX/XX/XXXX. The After Dispute is now showing a Monthly payment of {$88.00} on a charged off/closed account. This itself is a violation and reason for deletion. The Date of  Status is moved back to XXXX of XXXX? 

XXXX provided me with an updated Credit Report showing the the account is " Verified as Accurate ''. The Date Updated is showing XX/XX/XXXX which leads me to believe there was no investigation into the account since the other disputes I filed with XXXX are showing the Date Updated as XX/XX/XXXX. In the " Remarks '' section it is showing PAID IN FULL/WAS A CHARGE OFF. Was this account Paid in Full or was it a Charge Off? How can it be a charge off if it was Paid In Full? Also, the Last Payment Made is showing XX/XX/XXXX but the payment grid is showing Paid as Agreed until XX/XX/XXXX with the first late was XX/XX/XXXX. If the last payment made was XX/XX/XXXX wouldn't the first late be XX/XX/XXXX or, if the first late was XX/XX/XXXX would the last payment be XX/XX/XXXX Equifax did NOT notify me that the dispute was resolved nor did they provide me with an updated credit report. The credit report I am attaching for Equifax is from the XXXX 3 Bureau Report that I purchased. On this credit report XXXX is showing a Monthly Payment of {$88.00} on a closed account. Again, a violation and reason enough for immediate deletion. The status update is showing XX/XX/XXXX while the Balance Update is now showing XX/XX/XXXX which I believe is illegal re-aging and another violation. 

Also, XXXX 's After Dispute report is showing a 30 day late in XXXX of XXXX with the charge off in XXXX of XXXX. XXXX is showing a date closed of XX/XX/XXXX with multiple lates. Equifax on the other hand is show the account closed with no date but, a perfect payment history through Apr of XXXX. How is this possible id the other CRA 's are showing the account closed sometime in XXXX? 

How is it possible that three CRA 's can investigate these disputes and all three come back with different incorrect information if they are all three contacting the same data furnisher during their investigations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a an incorrect reporting on my credit file from all 3 credit bureaus XXXX, XXXX, and Transunion of a fraudulent credit company claiming that I owe them said money amount. The name of the company is called " The Bureaus ''. I sent correspondence to all 3 credit Bureaus about this fraudulent reporting on my credit report and al 3 credit Bureaus had deleted the incorrect report. I recently pulled my credit report and noticed that the same file was put back on my credit report again. I am requesting that this company discontinue from reporting anything fraudulent on my credit file and that the 3 credit Bureaus also stop reporting this claim on my file after deleting it off.
Product: Vehicle loan or lease

On XXXX XXXX we bought a used XXXX XXXX XXXX from a local dealership. They ran our credit application and financed us through Fifth Third Bank. We were told that we would recieve a welcome packet and payment booklet in the mail within the coming weeks. Towards the end of XX/XX/2021, we had not recieved anything. According to our loan documents, we recieved from the dealership, our loan would be due on XXXX XXXX. Towards the end of XX/XX/2021 we starting the long process of trying to figure out what was going on with our loan. After days and hours on the phone with Fifth Third bank we were able to find out that our loan was funded and booked on XXXX XXXX. The underwritting department at Fifth Third Bank could acess our loan and information. However, the payments/customer service side could not. Resulting in us not recieving any information about our loan or a way to make a payment. Each department kept transfering us back and forth with no way to resolve the issue. They did not understand how this happen and noone could fix it. We have called just about every day this month to see if their system has been fixed and our loan updated to the right departments. It has not. We contacted the XXXX  on Thursday, XX/XX/2021. XXXX XXXX reached out to us, but they never called back like they agreed upon. Our loan is coming up due within a few days and we have no way to give our payment to Fifth Third Bank. We have spent hours of our personal time trying to understand and fix their promblem. Yet, we can not fix whatever is wrong in their system and they seem unwilling to do it themselves. Please reach out to us as we are very XXXX about this matter. I have uploaded the loan document given to us by the dealership as well. XXXX for your time, XXXX XXXX
Product: Debt collection

Central Recovery bought a medical debt that was already taken off my credit and reput it back on my credit reports without sending me any written notices before placing it back on my credit report, breaking the FCRA protocol. They also can not provide validation of this debt and refuse to remove it from my credit report, i was also told by one of their reps they have other debts that they haven't put on there, but will as well. I have no documentation of those either.
Product: Mortgage

About 2 years ago, XXXX/Loan Care purchased our home mortgage from our original lender. The transition was an absolute nightmare where we couldn't get a hold of anyone or even make our monthly payments. This was resolved after a few months of trying. 

Fast forward to pandemic times. We were approved for their forbearance program during the pandemic. We were promised numerous times via phone calls and emails that we would be getting paperwork for a deferment, and it was explained that we would be able to add the deferred amounts to the END of our loan. This was confirmed via phone calls and emails from Loan Care. 

We've called numerous times for the paperwork that they promised they would send on a few occasions, and we are now told ( now that our grace period is coming to an end ) that they are now denying our " approved '' deferral and we must pay in full the deferred amounts, which is impossible and against everything they have promised this whole time and what was agreed upon. 

We also just received a notice of foreclosure if we don't resolve everything within 30 days. This is an absolute scam and sham. The last person we talked to from Loan Care said they can deny this for no reason and " just because ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

ALLY FINANCIAL Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX add a hard inquiries on my credit reports. 

But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit card

While on vacation at XXXX XXXX XXXX XXXX on the beach we were approached by a tour rep from XXXX XXXX  on XX/XX/year>. We were told that we would visit a different XXXX  culture in XXXX and would be taken to local markets and a XXXX  restaurant. The guided tour would be {$950.00} for me and my wife. We were supposed to leave at XXXX the next day. We left with another couple unknown to us and XXXX reps from the tour company on a small boat to XXXX. The trip began late after XXXX and then we had to redo passports which we actually did the day before. We did not arrive in XXXX until after XXXX and then the problems began. The country was shut down due to a XXXX XXXX. We sat on the boat for over an hour since there was no one to clear passports. We then walked to a small van and had to cross a street that was being blocked off by military trucks and were given ominous looks by the police.The only place we were taken to was a mall and they then told us that this would be the only safe place to be. We all agreed we could do that at home. Unable to go anywhere else since streets were barricaded and trucks were blocking due to the XXXX. All four of us decided to leave unable to see or do anything. They then took us to a small beach for an hour which we were able to do at the resort. We came back around XXXX and then found out we were charged even more than our receipt shows. We were charged a total of {$980.00} of which the card was charged {$830.00} and {$150.00} was paid in cash. We certainly did not get what we had signed up for and they had the gall to charge us even more. They knew there would be problems due to the XXXX  and did not share this or were they able to give us the tour they promised and described the tour would be. The charge was made through our Chase credit card.
Product: Debt collection

1 ) I bought furniture from XXXX  through a XXXX XXXX credit card 2 ) I made the regularly scheduled payment until there was a charge that was not mine on the bill 3 ) The full amount was refunded while they researched the issue 4 ) they corrected the issue, however, the grace period of interest free was lost 5 ) The bill continued to be inaccurate 6 ) I payed off the amount of my furniture but now XXXX  is trying to collect over 5K in interest fees and finance charges. This can not be legal and in violation of consumer rights. 
7 ) I have received a letter from XXXX stating they agree with me that these charges are not accurate and do not hold me responsible for them. 

I ask that XXXX XXXX take the XXXX I have paid ( over the amount of the furniture ) and end this case. I will continue to fight for my rights as a consumer and will not let this go until this is observed. 

As a result my credit is affected which I have taken the care to build over the years. You will see from my credit history I have no other records of any issues in paying off my bills. So clearly this is an incident where I am a victim of illegal activity and fraud and I will not just hand over my hard earned money. I really hope that CFPB can continue to help me in this matter. 

Thank you so much for your help
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth 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 alleged fraud or extortion. 
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Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX/XXXX XXXX XXXX XXXX/XXXX XXXX XXXX   XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX/XXXX  XXXX XXXX XXXX/XXXX XXXX XXXX   XXXX XXXX XXXX TransUnion LLC XXXX. XXXX XXXX  XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX/XXXX XXXX XXXX XXXX/XXXX XXXX XXXX    XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account XXXX : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX