23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Good afternoon, I have been trying to resolve my foreclosure issue with Bank of America, since XXXX of last year. They have been continually misguiding me and, as of recently, flat out lying to me. 

I have submitted numerous documentation, numerous times. I have been dealing with XXXX XXXX - single-point-of-contact - and also his manager XXXX XXXX. Neither of these individuals have been honest or even helpful with me whatsoever! 

On the XXXX on XXXX, I was asked to submit a signed XXXX  XXXX form ( which I already did ( and letters of employment for my fiance. When I called to follow up on this, on the XXXX, XXXX XXXX informed me that the XXXX form did not have a signature. This is a flat out li I am resubmitting the requested documents again today, but I need your assistance with them. 

Another very egregious act on behalf of Bank of America they are Dual Tracking my foreclosure. My file was sent to Underwriting, reviewed and labeled 'Complete, ' on XX/XX/XXXX. Between XX/XX/XXXX and XX/XX/XXXX, Bank of America went to court and filed a Motion for Sale. I've done a little research on this. Please assist with this immediately!
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : DEPT OF ED/XXXX Account Number : XXXX Account Name : DEPT OF ED/XXXX Account Number : XXXX Account Name : DEPT OF ED/XXXX  Account Number : XXXX Account Name : DEPT OF ED/XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX  Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX  Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX 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 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Social Security Number : XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Immediate Request for Account Deletion Due to Identity Theft Under FCRA and Relevant U.S. Code Dear TransUnion Consumer Solutions, I am writing to dispute inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I found accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX that was fraudulently opened in my name due to identity theft. 

Please remove late payments fraudulently accounts : XXXX XXXX XXXX  Opened : XX/XX/XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX I did not open this account, and I am not responsible for any charges or payment history associated with it. This fraudulent account has resulted in negative information on my credit report, including late payments, which I request be removed immediately. 

Under 15 U.S. Code 1666 ( b ), consumers have the right to dispute billing errors, including unauthorized charges. 

Additionally, 15 U.S. Code 1637 ( a ) requires that creditors provide clear statements of account opening, which I did not receive or authorize. These protections, in conjunction with the FCRA, support my right to dispute and have deleted any fraudulent or inaccurate account information. 

Enclosed are the following documents to verify my identity and support my dispute : Enclosed are the following documents to verify my identity and support my dispute : 1. A copy of my government-issued ID.

2. A copy of a recent utility bill ( to verify my address ).

3. A copy of my FTC Identity Theft Report, reference number [ FTC report number if available ]. 
Under the FCRA, you are required to investigate this matter and respond within 30 days. I urge you to prioritize this case and confirm the immediate deletion of this account. 

Thank you for your prompt attention to this urgent matter. 


Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I called to close my account and recieve a closure notice by email on a friday. I was informed they could not email me the closure notice. They told me they didnt have email access.. I asked to speak with a supervisor. And he also informed me they did not have email ... Which is wierd seeing they are a credit card company. And the 2 other cards i closed before this did it for me immediately. With no hassel. I then got a call the following tuesday saying they would send me out a email and they were sorry. Then this saturday i got a call again from them. They stated my card was not closed and they could not email this info to me because thier email wasnt working.. I asked how they responded to my XXXX   complaint through email if they could not do this for me.. They told me it was a format issue.. After i had caught them in a lie .they continued the lie telling more trying to cover up thier bad bussiness practices. 
For a bank this size not to have a email system for over a week and not close my accoumt when asked is totally unacceptable. It was clearly a lie and a manipulative ploy on thier behalf to not close my acvoumt and make it as difficult as possible for me. The person i spoke with said her name was : XXXX at phone numer XXXX XXXX XXXX ext XXXX. 
I would lile a email from them comming clean about thier lie of not having email access. And an appology for wasting my time and delaying my refi of my home. 
I would never do bussiness with this company ever again. 
Beware to future card holders. I hope this helps some one in the future.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report on XX/XX/2024 and noticed inquiries that I don't recognize nor authorized. I called Experian on XX/XX/2024 and the rep in the fraud department would not remove the unauthorized inquiries.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 card

A total of XXXX ( XXXX ) times in XX/XX/2016, fraudulent applications were attempted at Synchrony Bank using my information. Most recently, I received both a letter dated XX/XX/2016, and a phone call near the same date, from XXXX. Both assured me that my personal information had been placed in their internal fraud file. Yet, I received another fraudulent Synchrony Bank application alert from XXXX on XX/XX/2016, the same day as the letter from Synchrony, and also a form letter from Synchrony Bank dated XX/XX/XXXX, stating that another application was run. XXXX attached. Only because I placed a hard freeze on my credit reports, did this latest XXXX fifth ) attempt at XXXX, stop short of placing yet another fraudulent inquiry onto my credit. If Synchrony did indeed place an internal fraud alert for me, HOW DID THIS APPLICATION REACH THE POINT AT WHICH AN ATTEMPT WAS MADE TO PULL MY CREDIT REPORT YET AGAIN?!? THIS WAS THE FIFTH ( XXXX ) ATTEMPTED FRAUD AT SYNCHRONY IN XX/XX/2016, and I had XXXX attempts at any other financial institution. CLEARLY IT IS SYNCHRONY THAT LACKS SUFFICIENT SAFEGUARDS AGAINST FRAUD, even long after they have been made aware of this chronic issue. Again, not a single attempt has occurred at ANY OTHER FINANCIAL INSTITUTION. It is long past time for XXXX to start using legitimate and effective fraud prevention systems.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX PROMISED TO REMOVE ALL HARD INQUIRIES FROM ALL CREDIT REPORTS, ESPECIALLY TRANSUNION DATED XX/XX/2016
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$350.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$3100.00}
Product: Credit reporting or other personal consumer reports

The creditor conducted this inquiry without proper authorization, and it must be removed immediately.
Product: Debt collection

XX/XX/2021 I sent a certified letter requesting that the {$700.00} debt on my credit report be verified. It was not verified nor was it removed after 30 days of receiving dispute letter.
Product: Debt collection

Sent the money to Transworld Systems Inc. collector and they failed to send to XXXX to pay a debt. I have reached out to them and sent them information along with the money order that I sent to pay the debt for my grandson XXXX XXXX. Also I have copy from my XXXX XXXX XXXX showing that they cashed the check, and put into their business account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, 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 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 

These accounts have resulted in several fraudulent hard inquiries and fraudulent information appearing on my consumer XXXX credit report. All of the accounts above, late payments, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries result from identity theft and fraud.
Product: Mortgage

Afternoon, On or about XXXX, I applied for a home mortgage loan with Navy Federal . I received a call from my assigned loan XXXX XXXX XXXX on XX/XX/XXXX. I confirmed that NFCU was familiar with dealing with travel nurse roles and payment she confirmed that NFCU was familiar with this type of pay structure. She went on to review the uploaded documents while on the telephone with me and verbally listed additionally required document and stated that she would send me an email to submit the requested documents. I never received the email to send in the requested documents. Furthermore, I was unable to make contact with her to get the status of the submission email that she said she was supposed to send on XX/XX/XXXX. I tried again to reach her because she stated in the initial call that she could not submit my application without all of the required documentation. I finally reached XXXX XX/XX/XXXX and she advised that I had been denied. This was distressing and unbelievable because she never sent the email and subsequently did not have the completed loan application packet. She then states that she would assist me in an appeal. I was so upset that I requested her XXXX ( XXXX XXXX ) we spoke at length and I expressed to him how unprofessional it was for my loan XXXX to submit an incomplete loan package and then offer to help with an appeal. He was apologetic and stated that he would look into my application and submit the email which would allow me to appeal. I provided 2 years of pay stubs proving my annual salary is over XXXX, credit score over XXXX, and excellent payment history with an excellent credit mix. He advised that I should have an answer to my appeal within XXXX days when I checked the website for the appeal status. It showed that my case had been closed and no appeal had ever been started. After, I spoke with XXXX again she advised that her supervisor was the one that instructed her to file an incomplete package. I am very disappointed in this credit union and their discriminatory processes.

A. I paid for a credit check after which reduced my credit score by XXXX points. Alternately, NFCU reported inaccurate credit information to me within their denial packet to me. 

B. They did not understand my pay structure and did not provide any customer service to me as their customer to ensure my packet was solid before submission. I am a NFCU account holder and don't think that they did their best for me. Because they didn't really understand my pay structure they submitted an incomplete packet seemingly they were unconcerned with my receiving a denial. 

XXXX Both the loan XXXX XXXX XXXX and the supervisor XXXX XXXX were untruthful and did not follow through in a competent manner. I am financially stable, and a great credit risk, dealing with NFCU was a fiasco.
Product: Credit reporting or other personal consumer reports

XXXX {$620.00} XXXX mailed a certified letter I have received a bill from you and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you allow me to validate the alleged debt. 
I am aware that there is DEBIT from MERCHANT CREDIT GUIDE, but I am unaware of the amount due, and your bill does not include a breakdown of any fees. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission MERCHANT CREDIT GUIDE for them to release my medical records to a third party. I am aware that the HIPAA does not allow for limited information about me but, anything more is to only be revealed with the patients authorization. 
Therefore, this is my request for a twofold validation of debit and HIPAA authorization. Please provide a breakdown of fees including any collection costs and medical charges. 
A. Provide a copy of my signature with the provider of the service to release my medical information to you. 
B. Cease any credit bureau reporting until this debit has been validated to me. 
Please send information to my address listed above. 
Accept this letter, sent certified mail, as my formal debit validation request, which I am allowed under the FDCPA. Please note that withholding the information you receive from any medical provider to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. Request FULL documentation of what you received from the provider of service in connection with this alleged debt.
Product: Credit reporting or other personal consumer reports

Monday XX/XX/XXXX and Friday XX/XX/XXXX I called into annualcreditreport.com and went through the phone prompts to request my record reports. I also mailed a form requesting ny credit reports XX/XX/XXXX. To date I've only received my Transunion report still have not received XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items 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: Debt collection

I Settled these Medical Collections a long time ago. They are still reporting as a paid collection and unpaid collection on my credit. This is in flagrant violation of NCAP and qualifies this account as misrepresented. I have disputed the account before and they continue to report it! PLEASE HELP ME!
Product: Mortgage

On XX/XX/XXXX I spoke to someone named XXXX from Bank of America regarding signing a payment deferral letter. 

In the letter it shows Bank of America is going to defer property taxes paid. The amount of property taxes paid is included in the total amount to be deferred. 

I reported to Bank of America on XX/XX/2024 that I had paid the taxes and any amount Bank of America paid was an overpayment. 

Per the tax office on XX/XX/2024 they refunded the overpayment of property taxes to Bank of America. 

XXXX XXXX states that she can see that Bank of America received the refund check for the taxes. 

According to XXXX XXXX I can go ahead and sign the letter with the total including taxes refunded to Bank of America. This would mean Bank if America would be paid twice for the taxes. Bank of America revived the refund for the tax overpayment and now wants the customer to pay the taxes again as its included in the total. 

She further states that if I sign the letter, I should trust Bank of America will fix it on the back end. This is dishonest and not fair to the customer. Asking a customer to sign an incorrect document seems illegal. 

I did everything right. On XX/XX/2024 XXXX BOfA notified a refund was being mailed. ( see attached ). The XX/XX/2024 notice was weeks before the XX/XX/2024 letter went out. 

Bank of America should have verified Everything prior to sending out that XX/XX/2024 letter. 

The other option to correct Bank of America mistake would be to have Bank of America will need to verify the monies were refunded with escrow and this would void the current payment deferral letter. 

And a new evaluation would need to take place prior to a new deferral payment letter being sent out. 

The process can take up to 30 days and in this reevaluation. This would be XX/XX/2024. 

She further states that the foreclosure scheduled for XX/XX/2024 will proceed even if Bank of America hasnt completed its reevaluation before XX/XX/2024. 

XXXX catamount way XXXX XXXX XXXX Reference number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has a lot of innacurate information reporting codes for collections that don't even match my information this report is from XXXX XXXX no XXXX XXXX XXXX or XXXX XXXX or a XXXX XXXX judgements that do not even belong to me .they keep altering my identity my name is XXXX XXXX maiden name XXXX.
Product: Credit reporting

This dispute has been faxed twice already and I have had no response from the CFPB or Equifax. The information required has not been supplied as asked for. Until I get a satisfactory and accurate answer, this question/dispute will be repeated until it is answered. 
The CFPB has ignored my dispute in this matter.This account is being reported by Equifax as " OPEN '' while all other Credit Reporting Bureaus it is reported as " CLOSED '' Equifax is to explain why?
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date, XX/XX/2021. Since then, the account has repeatedly been updated as charge off every month. This is an update in the payment history. A charge off account should NOT include an active payment history. The account is also reporting on my credit report for more than XXXX years. This inaccurate information FALSELY manipulates the statute of limitations. You failed to investigate this account proper and your neglect has violated my rights. I am demanding a deletion of the following account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reported an account that was opened in XX/XX/XXXX on my credit. The account is reaged and shouldnt be on my credit. I disputed this with Transunion 3 times and they keep insisting that the information is accurate. They investigated but no feedback was given back to me. I filed a complaint with CFBP and XXXX XXXX XXXX said he had until XX/XX/XXXX to remove it. This has not been done.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report concerning a late payment. Under the Fair Credit Billing Act ( 15 USC 1666b ), I have the right to challenge inaccuracies that XXXX impact my creditworthiness. 

The report indicates that I had a late payment in XX/XX/year>, which is incorrect. I have consistently made timely payments, and I believe this entry may be a clerical error or a misunderstanding. 

I kindly request that you investigate this matter promptly and correct the information on my credit report. This inaccurate reporting is hindering my ability to secure a home loan, so I appreciate your urgent attention to this issue. 

Please confirm receipt of this letter and keep me updated on the progress of your investigation. Thank you for your attention to this important matter ; I look forward to a swift resolution.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute unauthorized inquiries that are currently appearing on my credit report. Upon reviewing my credit report, I have identified inquiries that I did not authorize or recognize. 

I would like to emphasize that I did not authorize or initiate any credit applications or transactions with the entities associated with these inquiries. Therefore, I believe these inquiries are unauthorized and should be removed from my credit report immediately.