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

# 1. DEPT OF ED / XXXX Acct # XXXX # 2. DEPT OF ED / XXXX Acct # XXXX # 3. DEPT OF ED / XXXX Acct # XXXX # 4. DEPT OF ED / XXXX Acct # XXXX YOU ARE REPORTING THAT I AM 90 DAYS LATE FOR XX/XX/XXXX BUT YOU SHOW THAT I HAVE SUBMITTED ON TIME PAYMENTS FOR XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX ... .HOW CAN I HAVE BOTH 90 DAYS LATE YET THE XXXX PRECEDING MONTHS ARE PAID ON TIME??? 

I can't believe the inaccurate reporting on my credit report! According to the credit bureaus, I'm 90 days late on my XX/XX/XXXX payment, even though I paid on time in the previous months of XXXX, XXXX, and XX/XX/XXXX. It's frustrating to see these errors, especially when they can have such a significant impact on my creditworthiness and financial future. 

It's not just me- a XXXX study by the Federal Trade Commission ( FTC ) found that one in five consumers had an error on at least one of their credit reports. That's outrageous! These errors can lead to higher interest rates, credit denials, and even affect my job prospects. 

There are several common types of errors that can occur on credit reports, including incorrect personal information, outdated account information, and inaccurate payment history. In my case, it's clear that there's an error in the payment history section of my report. 

I'm so frustrated that I have to deal with these errors. It's not fair that I have to spend my time and energy correcting someone else 's mistake. And even worse, the burden is on me to prove that I'm in the right. It shouldn't be this way! 
I know I need to take action and contact the credit bureau ( s ) to get these errors corrected. But it's just frustrating that I have to go through all of this trouble because of someone else 's mistake. It's not right, and it's not fair. I just hope that in the future, credit bureaus will be more careful and accurate in their reporting so that others don't have to go through the same frustration and hassle that I am.
Product: Student loan

All loans through XXXX college are bad loans and have requested to have the amounts and loans removed from my debit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is notpermissible to fail to validate these reporting items as unverified information without providing proofwithin the time frame specified by law. My credit report includes the following erroneous informationthat needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX MD XXXX XX/XX/2015 ; XXXX Balance : {$18000.00} ; XXXX  XXXX Balance : {$13000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$990.00}.
Product: Mortgage

In XXXX I got a mortgage for a small XXXX bedroom mobile home through XXXX XXXX Mortgage. The contract was a forgery, signed and altered by the seller in order to change the interest and payment I signed for. XXXX ignored all my complaints so I continued to pay the payments until I was sent to prison in XX/XX/XXXX. XXXX forgave the debt and filed it with the Credit Bureau as such. Now this Ditech Financial LLC is illegally harassing me for a debt that was not only forgiven but the statute of limitation bars any collection. There has never been a judgement against me for this debt.
Product: Credit reporting or other personal consumer reports

There are several credit inquiries and accounts opened under my identity between the dates of XX/XX/XXXX - XX/XX/XXXX. In addition, my personal debit card was compromised and I disputed the purchase made on a both my debit card and a XXXX XXXX account that i never opened. 

Unauthorized hard inquiries 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  - unauthorized credit card opened on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Credit Acceptance closed my account On XXXX, we reported the account as paid in full ( voluntary surrender ), and the closed date of XX/XX/XXXX. The closed date that the company is reporting to the bureaus is re-aging the account because the original delinquency date was in XXXX. I appreciate Credit Acceptance for closed the account but they should not be re-aging the account because I made no payment to them. They agreed to close the account not no re-age it.
Product: Mortgage

XX/XX/2021 contacted First Continental payment processing Issued payment via bill pay Company never applied payment or followed up with my serval request for assistance Company sold mortgage and all parties failed to notify applicant ( 609 ) ( g ) ( I ) ( D ) to date XX/XX/2021
Product: Checking or savings account

I received a debt card in the mail from Capital One around the end of XX/XX/2023. I do not bank with or have any accounts with Capital One. So someone has fraudulently open an account using my information without my permission or knowledge. In checking my emails this goes back as far as XX/XX/XXXX through XX/XX/XXXX. I contacted the company and reported the fraudulent account. I instructed them to close the account immediately and report the fraud. The Capital one person I talked to in the fraud department, Capital one agent # XXXX, refused to give me any information. I wanted to know when the account was opened and what they were going to do about this fraudulent account. So this issue with Capital One has not been resolved and needs to be resolved.
Product: Vehicle loan or lease

Opened XX/XX/XXXX Closed XX/XX/XXXX Amount showing Charge off {$20000.00} Company GM Financial Never received XXXX for charge off
Product: Credit reporting, credit repair services, 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. 

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

I have repeatedly sent three XXXX  in accordance with BOA 's own instructions and policies. The law requires they answer within 30 days. They typically take months to reply, which is a deliberate delay tactic. It is also illegal. 

I have repeatedly requested a simple YES or NO answer to the following question : Does Bank of America have the original wet ink signatures and original loan documents in their possession? 

They refuse to answer that simple yes or no question. They refuse to give me a simple " yes '' or " no '' answer. 

Upon information and belief, they have lost or deliberately destroyed the original documents, which they are required to maintain as a matter of law. 

I have also asked " if you have these documents in your possession, where can my representative go to review them? '' Of course, they refuse to allow inspection. I believe this is because they do not have possession of the originals. 

FAILURE TO ANSWER AND/OR ALLOW REVIEW OF THESE DOCUMENTS IS A CLEAR VIOLATION OF CONSUMER AND LENDING LAW. 

I have a legal right to this information as it directly affects my consumer mortgage loan with the company. 

BOA continues to commit the same fraud they have been prosecuted for in the past by the Federal Government. They previously settled those government claims and entered into agreements to cease such illegal practices. Yet they continue their willful illegal activity. 

Bank of America has a known and proven history of falsifying many mortgage documents for the express purpose of harming consumers like myself. 

Please assist me on demanding a TRUTHFUL ANSWER to the basic question : DO THEY HAVE THE ORIGINAL WET INK SIGNATURES AND DOCUMENTS? 
YES or NO? If yes, where are the documents stored for review?
Product: Credit reporting or other personal consumer reports

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

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 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 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 an 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: Debt collection

I received a bill from TD bank for a late payment on a cell phone that was paid off a few months ago. My bill is of XX/XX/2020 XX/XX/2020. I'm not sure of the date but I called and paid in full a few months ago and now I'm getting charges with balances and late fees for a debt that was paid in full. I have tried to call TD bank at XXXX XXXX XXXX XXXX And I have waited on hold for over an hour with absolutely no response from TD. I have called on multiple occasion 's to try to resolve the matter and ice continued to be placed on hold. In order not to get charged and take a hit on my credit I paid their fees in closed my account. I am now worried that the next billing cycle I will get more charges on my account when I have paid my account in full on to occasion 's.
Product: Credit reporting or other personal consumer reports

I did not open any of these accounts it is fraud XXXX XXXX XXXX Acct # XXXX Balance XXXX XXXX  XXXX  XXXX  Acct # XXXX XXXX XXXX  XXXX  XXXX Acct # XXXX XXXX XXXX  XXXX XXXX Acct # XXXX XXXX : XXXX  XXXX  XXXX bank Acct # XXXX  XXXX XXXX  XXXX  XXXX XXXX Acct # XXXX XXXX We XXXX  XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 Hello, I wanted to follow up on the results received from you and the other 3 bureaus from my investigation, thank you for getting back with me within 7 days.

I read that the process of the investigation is to reach every individual company to verify the accuracy of information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verify with. I ask you to delete anything that is not 100 percent accurate. I had a lot of inconsistencies between the XXXX bureaus, below i have listed them out for you. 

XXXX XXXX XXXX XXXX XXXX XXXX  Date of Last Activity/Account Status/Date Opened I have now pointed out the mistakes so these need to be deleted not updated, by updating the terms is an admission of guilt and direct violation of my rights of a fair investigation.I am not sure how you can state it was verified.How is it possible that Transunion, XXXX, XXXX all verified the accounts above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to section 611 due to the inconsistencies coming after my original request of investigation.

At this point. I demand vou delete these accounts immediately or make the correct changes. Please forward me an updated credit report to my address after you have completed your deletions and corrections. 

Thank you,
Product: Mortgage

I have already filed a complaint with CFPB but i need to notify you about this. 
My home was sold in foreclosure on XXXX/XXXX/15 while being in a loan modification. 
The bank ( Bank of America ) legally foreclosed on my property and violated the Homeowner Bill of Rights. 

" Restriction on dual track foreclosure : Mortgage servicers are restricted from advancing the foreclosure process if the homeowner is working on securing a loan modification. When a homeowner completes an application for a loan modification, the foreclosure process is essentially paused until the complete application has been fully reviewed. '' XXXX Please help in getting my home reversed from the bank due to negligence of the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis responded to my complaint on XX/XX/2022, and they stated that they sell public records in bulk to a variety of customers, including consumer reporting agencies, such as XXXX, XXXX, and XXXX. LexisNexis said that these bulk records are not consumer reports as defined under the FCRA, so I asked LexisNexis to show me where they read in the FCRA that these bulk records are not considered consumer reports, and till this very day, LexisNexis has failed to show me this information. 
I called LexisNexis on the phone asking them to show or tell me where I can see for myself in the FCRA where it states that the bulk records they sell to these consumer reporting agencies are not consumer reports, and they had me on the phone for almost an hour, and I had to tell them to just call me back when they figure it out, and they never where able to show or prove to me where they read that false statement they made. 
I informed LexisNexis that when they removed the bankruptcy from my LexisNexis report after my dispute, that they were admitting to the violation of the 15 U.S. code 1681b Permissible Purpose of Consumer Report. This law clearly states that the Consumer shall have consented orally in writing, or electronically to the procurement of the report by that person, in which I did not consent to. Under the FCRA remedy law, its states that for every violation, its {$100.00} to {$1000.00} and I am demanding the max for damages and the stress that LexisNexis has caused and continue to cause! 
This is my last time trying to work with LexisNexis outside of Court, if LexisNexis dont comply this time, I will be forced to file a Lawsuit with my Attorney, once again LexisNexis I have attached XXXX invoices for a XXXX dollars, XXXX for the violation when you sold my consumer report to XXXX and XXXX for when you sold my consumer report to XXXX XXXX if you dont comply I will start a lawsuit and it will be for more than what I am demanding for right now. 

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

Discovered a credit inquiry ( Syncb/jcp Dated XX/XX/2018 ) that I don't recognize.I request that any document with my signature giving permission to access my credit report.
Product: Checking or savings account

XX/XX/year>XXXX  on my credit report says that a account was opened with flagstaff bank once again I never gave any consent to use my information or had any acknowledgment of such which is illegal. I have an outstanding balance of {$250.00} thats negatively impacting my credit score
Product: Credit reporting or other personal consumer reports

University Account Services reported a XXXX XXXX XXXX student loan debt to credit reporting agencies, which has greatly diminished my credit score. I have no knowledge of such loan. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I was XXXX XXXX XXXX at the time, I am XXXX XXXX XXXX now. I received a XXXX XXXX XXXX at the time. 

Respectfully, XXXX XXXX
Product: Debt collection

There is a collection company trying to collect on an apartment debt which NO way do I owe the amount stated. I lived in this complex for many years, gave a 30 days notice and moved and never even received my deposit back. I think this information is inaccurate and have disputed with no resolution. Please help
Product: Payday loan, title loan, or personal loan

I made a complaint already but I don't know how to add it but I went to get my stuff out of the car when it was repoed and I have stuff missing out of the car and they did damages to my car
Product: Debt collection

Markoff Law PLLC served me a summons on XXXX XX/XX/XXXX dated as issued on XXXX XXXX XXXX with only 28 days to answer the summons. I was not only served over a month after the issue date of the summons but I also do not recognize the debt and have never received any verification of this debt by Markoff Law PLLC. By law I am legally allowed to ask for verification and be provided verification of a lawsuit prior to being served. I have never received one thing about this debt from XXXXXXXX XXXX in the mail or even a phone call. The debt is for an alleged amount of {$2500.00} according to the summons. The APR is 159.57 % which is outrageously high and usury in the state of Michigan. The loan number on the summons is redacted as well as the customer number so I can't even call to try and get information about this alleged debt to find out what it is. The signature on the loan is digital and not wet and was signed electronically when I was actually in XXXX XXXX XXXX  on XXXX XX/XX/XXXX. There is absolutely no way that I signed for this loan or that it is mine. This debt is fraudulent and the debt collector is trying to fraudulently collect this debt through illegal methods. I have never verified this debt nor have I even heard of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanyin g things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TN XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or remove. Per FCRA segment 605 you are expected to eliminate any records recorded on an XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 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 XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash app ( Block inc. ) due to inadequate customer service and unfair practices, Which violate the Customer Financial Protection Act ( CFPA ) .Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.Furthermore, their dispute regulation process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E.these actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted all three bureau 's, Equifax, XXXX, and XXXX previously about disputes I submitted, but to no avail they haven't corrected the issue. These accounts have been on my credit report for more than 6 months in a dispute status and I contacted all three bureau 's multiple times, the last being three days ago and they all assured me that these accounts would be removed or the remarks would be removed in 24 to 48 hours and nothing has been rectified.
Product: Debt collection

I received an email on XX/XX/XXXX, at XXXX XXXX from XXXX XXXX, notifying me that they spotted some breaches for me. On XX/XX/XXXX, at XXXX XXXX, I opened this email, looked at my account, and found these two breaches : XXXX breach Reported in XX/XX/XXXX -We don't know the name of this breach Reported in XX/XX/XXXX I was able to look at my credit score on XXXX XXXX and saw that I had six collections in my name. The only loan I have is my XXXX loan, which has been paid every month. I believe my identity was stolen during those two breaches. Here are the steps that I have taken already : Completion on XX/XX/XXXX : -Submitted a report on IdentityTheft.gov -Reported this to my bank -Froze credit with XXXX, XXXX XXXX and XXXX -Filed a police report -Filed a report with www.ic3.gov Completion on XX/XX/XXXX : -Called XXXX, and they informed me to dispute on all three credit bureaus -Contacted Debt Collectors : {$12000.00} XXXX XXXX XXXX Spoke with XXXX to dispute this . She is sending me documents of what I need to inform them of.

NOTE : The person knew my date of birth and SSN {$10000.00} XXXX XXXX XXXX Called and left a voicemail. They did not answer. 

{$370.00} / {$200.00} XXXX XXXX XXXX Called and left a voicemail. They did not answer. 

{$190.00} XXXX XXXX XXXX XXXX Called and spoke with a rude representative. They said they will put in a report that I want to dispute this. 
NOTE : The person knew my date of birth and SSN {$100.00} L J ROSS ASSOC Called and left a voicemail. They did not answer.

-I made a report with the Federal Trade Commission and was referred to the CFPB ( Consumer Financial
Protection Bureau ).
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

UNAUTHORIZED INQUIRIES : XXXX/XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX
Product: Credit card

My account was used without my permission Over XXXX of charges was used on my account I spoke with company XXXX XXXX XXXX XXXX regarding this situation. My claim was denied. I explained in detail that I did not provide any account information to this company.