23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

The original debt and lien was created by XXXX XXXX, XXXX in XXXX, Texas, An unlicensed mortgage banker. The debt was supposedly transferred to XXXX Bank after closing, however, there is no record of that transfer in XXXX XXXX, Texas as is required by law in the State of Texas. 

The original creditor, and not the debt buyer, is the party responsible for reporting information about the debt to the credit bureaus. Typically, at some point prior to selling the debt, the original creditor will report that the debt has been " charged off. '' The debt buyer can not change or remove this information from your credit report. Only the original creditor can do so. 
XXXX XXXX was our original creditor and as the chain of title with lack of registering any transfers according to the laws of the State of Texas, that would legally make XXXX the purchaser of a debt and not the legal holder of the Deed of Trust and Promissory note. 
This debt has been cancelled by Declaratory Default Judgment of wrongful foreclosure in XXXX of XXXX and the Deed of Trust and Promissory Note is no longer enforceable. 
" The damages for wrongful foreclosure, particularly a willful ( or knowingly ) wrongful foreclosure ( in a non-judicial foreclosure state ) can be quite substantial, including the loss in value of your property, the costs to you of having a poor credit rating because of the foreclosure, the costs of moving elsewhere, emotional distress, and various other costs, including consequential damages which the bank could have foreseen when it wrongfully foreclosed. '' These actions have caused undue hardships on us financially and personally. A seemingly willful disregard for the laws of the State of Texas and refusing to abide by the orders of the court seems to be a matter of contempt. 
The reported no payments were court ordered as the foreclosure process was wrongful and invalidated the Promissory Note and Deed of Trust is inaccurate because the court ruled in our favor declaring the aforementioned actions as illegal and thus voiding the lien. I am requesting that the item be removed or updated to show paid in full to correct the information. 
Another part of the case involved the Mortgage Banker that was illegally brokering Mortgages without a license in the State of Texas through XXXX XXXX XXXX. 
The mortgage began in XXXX of XXXX and involved XXXX lawsuits before final judgment was passed against XXXX XXXX XXXX XXXX in XXXX, Texas and their leaning to Accelerate the loan and all our possessions which is illegal in the State of Texas. 
XXXX is the company, along with XXXX that put the pressure on us and refused to speak with me, the third person on the mortgage simply because it did n't fit their paperwork system. 
I have challenged this through the credit bureaus three times now and XXXX as a Debt Collector, refuses to close this and wipe the slate clean.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to CPS in XX/XX/XXXX regarding them pulling my credit on XX/XX/XXXX. I didnt give them permission to pull my credit. I included a copy of my ID and my report to show them I had a fraud alert and I should have been contacted before they attempted to pull any credit, but most importantly they should have verified the persons identity with them showing identification which clearly wasn't me. After I didn't hear back from them I contacted all 3 bureaus via letter XX/XX/XXXX and again XX/XX/XXXX til this date the inquiry is still on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Mohela a Validation Of Debt dispute asking for validation of the debt claimed ( copy of letter attached ). As of today XX/XX/2021, I have not received any proof of validation. This is in violation of my consumer rights under 15 U.S. Code 1692g and 809 of the FDCPA. I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, the law presumes that no proof of the alleged account exists, nor does any such account, in fact, exist.
Product: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related to their XXXX " high yield interest '' savings accounts. Capital One misrepresented the XXXX Savings account as having XXXX of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the XXXX XXXX Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I have credit monitoring since this happened. I am noticing that there are a lot of companies pulling my credit and I have reported to all credit bureaus this matter. they are telling me they can't remove it for 2 years if I am telling you in a dispute that these aren't my credit inquires than you should be removing them.. I am in the process of buying a house and I can't have this happening and especially if no consent is given XXXX, Equifax and XXXX  are failing to remove these inquires.
Product: Debt collection

On XX/XX/2023, XXXX XXXX XXXX XXXX, XXXX flagged my credit account as collections without properly notifying me of this debt and never sent a debt validation letter. This law firm did not inform me of any legal action taken against me by any creditor or debt collector. I do not even know who this debt collector is and do not have any knowledge of a debt owed to such collector. XXXX XXXX XXXX XXXX, XXXX is threatening to sue me for {$250.00} in attempts to collect a debt for a creditor by the fictitious business name XXXX. I am not in contract with XXXX XXXX XXXX XXXX, XXXX nor do I owe any obligations to XXXX XXXX XXXX XXXX, XXXX or any creditor who is attempting to collect a debt through this third party.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, Mississippi XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXXXXXX XXXX {$2700.00} XX/XX/XXXX XXXX XXXX XXXX {$12000.00} XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX {$2900.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$11000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$350.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$3100.00} XX/XX/XXXXXXXX XXXX
Product: Credit card or prepaid card

I just found out my XXXX XXXX is charging interest in a very crooked and unusual way using average balance calculations. I try to pay as much of the statement balance off as I can each month to avoid excessive interest. But, it does n't matter how much I pay, they charge interest based on some spurious average daily balance. I just noticed this on my XXXX statement, but has been happening all along. For example my XXXX statement has a prior balance of {$6200.00}. I made an ontime {$5000.00} payment. All other credit cards would have charged interest on the remaining balance of {$1200.00}. This card charged interest on a balance of {$7600.00}. This just feels very crooked to me. When I called them they said in order to avoid interest, the total balance must be paid off each and every month in full. If the balance is not paid in full they will charge based on the highest balance in the prior month, not the statement balance and not the statement balance minus any payments or credits. I do n't know if this is a legal practice, because it feels very crooked. I have attached XXXX 's statement for your review. This has been going on for a long time, I only just now notice.
Product: Mortgage

I have XXXX and XXXX mortgages with Navy Federal Credit Union which I have been paying late for over a year after I fell behind for several months in XX/XX/XXXX. I submitted borrower response packages in XX/XX/XXXX requesting modifications on XXXX mortgages. I was offered a modification on my XXXX mortgage on XXXX XXXX XXXX, but not on the XXXX mortgage. During the same time period Navy Federal asked me to submit another borrower response package for the same mortgages. I submitted another response package on XXXX XXXX. I called Navy Federal on XXXX XXXX and told them I was unsure of what was going on with the modification. I did not understand whether I needed to accept the modification offer on the second mortgage in XX/XX/XXXX or wait for them to finish reviewing the borrower response package I had just re-submitted for XXXX mortgages. I scheduled the payment for my XXXX mortgage on XXXX XXXX but I did not schedule a payment for the XXXX mortgage because it sounded like I should wait for a call on the borrower response package. On XXXX XXXX I was contacted and asked for more information for the borrower response package, which I provided. Navy Federal asked me for additional information on several more occasions up until XXXX XXXX. I received XXXX letters in the mail on XXXX XXXX. XXXX letter from Navy Federal dated XXXX XXXX telling me my borrower response package was now complete, a second letter asking me to fill out another borrower response package to avoid foreclosure, and a third letter from an attorney dated XXXX XXXX explaining they were being instructed by Navy Federal to " commence foreclosure '' on my home. I am extremely confused and beat down by all of this. I have been paying my mortgage. I paid it on time for over 10 years until I fell behind. If this is true and they are foreclosing on my home over a misunderstanding I really need help.
Product: Credit card or prepaid card

Dear sir, Recently I have applied for an American AMEX XXXX XXXX XXXX credit card from americanexpress.com. I got my new credit card and have not yet received my welcome offer. They mentioned that you would get the following benefits a {$300.00} Statement Credit and 12 months 0 % APR at the time of application. I have talked to them in this regard, but now they have denied the welcome offer because you have already been a customer with us. The terms and conditions mentioned as The welcome offer, intro APRs, and intro plan fees are not available to applicants who have or have had this Card. 
I have had a different Amex card, not the same one which I have recently received. Please help me in this regard ; otherwise, I have to pay with interest, which would be a burden for me. 

thank you
Product: Credit reporting

I 've been trying to place a security freeze on my Transunion file because I am a victim of identity theft. I was able to place freezes online with both   XXXX    and   XXXX   with no problem. I 've gone through Transunion 's online process multiple times on different days, and every time ( after giving all my information, including my credit card billing info  )  their website gives me the same error : " we are unable to process your request at this time ''. It is obviously not a temporary issue, since it 's been happening consistently for a week. This leaves me, and any other consumer trying to do the same thing, no other option but to call their " customer service '' line which is in a foreign country where many US consumers do not feel safe giving out all of their personal information ( if they can get through to a person at all- which only happens part of the time ). Transunion has made it literally impossible to do something that we have a legal right to do, and which is essential for victims of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I received a notification from XXXX, an OMP cyber incident monitoring service which identifies possible fraudulent activities on one or  more credit reports. According to XXXX, on XX/XX/2018, someone reported use of an incorrect address ( XXXX, MD XXXX ) on my credit report. XXXX does not show the entire address but instructed the consumer to reach out to the credit reporting agencies to obtain said information and dispute any inaccurate information on report. 

On XX/XX/2018, I immediately reached out to Equifax to find out who reported this incorrect address, how it was reported, and a complete address to dispute. 

Equifax refused to provide this information or allow the consumer to dispute the inaccurate information contained in the consumer credit report with full knowledge if someone tried to report a new address most likely will attempt to commit a frauduent act. 

Under the FCRA the consumer is entitled to this information and afforded an opoortunity to dispute and have this information removed from my credit report. In addition, the consumer should be allowed to have said incorrect address immediately removed prior to any attempt of fradulent activities and should not have to place a fraud alert on their consumer report which is a major inconvience if the consumer in the process of obtaining additional lines of credit.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting XXXX Account Number : XXXX Delete this account. 


2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Delete this account. 


3. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


13. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


14. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached an FTC report with Inquires I did not authorize
Product: Checking or savings account

On XXXX, Bank of America did an offset on my Bank of America Bank account of {$3800.00} to pay a past due Bank of America Credit Card. 

They left me with pennies to make it through the month. The {$3800.00} was my mortgage and monthly bill money which I now can not pay. 

I called Bank of America pleading with them to not do this. They said they have the right to take my money as they did. 
I felt so sick inside, ready to pass out of fear not knowing what to do with Bank Of America cleaning out my account as they did. 

I explained to them that I hired XXXX XXXX XXXX XXXX months ago to help me with my credit card debt and was sure they had reached out to Bank of America regarding my debt. I told them I was not ignoring them and I did reach out for help. 
Bank of America did not care about anything I had to say. The representative of Bank of America were terrible. Out of desperation, I did email the CEO of Bank of America, but as expected no reply. 

I do not know how I will make it through the month with what happened and I am so scared of falling into further financial hardship which is already happening. 
I am hoping you can please help me. 

Thank you,
Product: Checking or savings account

Opened a new account with BB & T on XX/XX/2018 under a {$150.00} incentive and have met the requirements and have not received the incentive. Have message the bank multiple times and the customer service representatives were unable to provide more information. I have attached the documentation where I have met the requirements.
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

XXXX XX/XX/XXXX and XXXX XX/XX/XXXX 2023
Product: Credit reporting or other personal consumer reports

Hello My name is XXXX XXXX I reviewed my consumer reports and noticed that i had XXXX late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. 

I have never been late on payments for the accounts that i haveincluded screenshot inside this complaint in on dates of ( XX/XX/2022. Please investigate and provide proof with statements showing that these payments were late. 

If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late.
Product: Credit reporting or other personal consumer reports

XXXX failed to meet requirements of 15 usc 1681b permissible purpose I have pictures of my account saying its been locked since XXXX but some how hard inquiries from companies Ive done no business with are literally sitting on my report as Im reading the security lock message, there is a private right of action for negligent or willful noncompliance with 1681s-2 ( b ) of the FCRA. 
- in XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX See attached and explain
Product: Credit reporting or other personal consumer reports

I am composing this missive to formally contest the appearance of an antiquated and erroneously reported account that has surfaced on my credit dossier. This matter carries profound implications as it directly implicates infringements upon consumer protection statutes, chief among them being the Fair Credit Reporting Act ( FCRA ), and may necessitate the commencement of further legal recourse.

Upon meticulous scrutiny, I have discerned the presence of an installment account denoted as Mohela/Dept of ED Loan , allegedly amounting to {$2000.00}, which egregiously misrepresents my prevailing financial standing. This discrepancy pervades the entirety of my credit dossier, encompassing inaccuracies in Account Numbers and the covert obfuscation of salient account particulars. I possess ample evidentiary documentation to buttress my assertion, thus necessitating expeditious rectification. I stand prepared with legal counsel to initiate judicial proceedings forthwith.

**Disputed Account Information : ** - **Account Name : ** Mohela/Dept of ED Loan - **Amount : ** {$2000.00} Furthermore, the purported last day of activity on said account fails to align with the factual date of my last remittance, thus manifesting a patent distortion of my credit chronicle. These incongruities have been diligently cataloged across all credit bureaus and shall constitute compelling testimony as I undertake corrective measures to ameliorate the inaccuracies pervasive within my credit dossier.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Credit bureau 's is govern by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below to be removed. according to 15 USC 1681 : I have the to privacy and did not give EQUIFAX, XXXX, XXXX written permission to furnish these accounts listed below. 


1. The following account is not mine XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The following account is not mine XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The following account is not mine XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The following account is not mine XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The following account is not mine XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The following account is not mine XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The following account is not mine XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The following account is not mine XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. The following account is not mine XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. The following account is not mine XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. The following account is not mine XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

12. The following account is not mine XXXX XXXX XXXX XXXX
Product: Debt collection

Ive contacted this company many times about this account being opened by being a victim of identity theft and fraud. Ive also requested a copy of my signature and of the purchase agreement. XXXX loans provided the customer agreement but didnt provide my signature or any other proof to indicate the account was indeed mines. I never owed a sectional and I moved out of XXXX the year of XXXX. The agreement states the account was opened on XX/XX/XXXX and it states the contact was signed on XX/XX/XXXX. Which makes no sense at all. Enclosed is another police report since they wont honor all the others I sent over the years, this account was never opened by me and needs to be closed admittedly and removed from my credit reports.