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

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I have a interest only XXXX mortgage with Bank of America. The terms were for 10 years and then it became an amortized loan. My husband and I have been impacted by the recession and have been working very hard to pay off our debts. The interest only payment averages {$250.00} per month. The new fully amortized loan will now be {$750.00} per month. The additional {$500.00} per month will be a hardship to pay so I applied for a modification with B of A to extend the loan so we could be in a better situation to pay off our debts and refinance the XXXX and XXXX into XXXX loan. B of A rules are designed to make sure no one qualifies for a modification! I do not know how they stay in business! B of A has hateful practices and run-around tactics! I read the consumer reports and they all say the same thing. B of A just wants them to fail so they can foreclose. 
It looks like the only way that I will qualify for any type of assistance with them, is if I miss payment. They said that I did not qualify for the Extension program the first time that I applied because it was an interest- only payments, then it went into the amortized loan, now they say it is because I did not meet the delinquency requirements ( but do not say what those are ). As for the End Of Draw modification program, the first denial was because my debt was either more or less than the amount required for the program, now they say it is because I am in the repayment period! If I miss payments to qualify for a modification, I am at risk of foreclosure and I still may not get a modification! Attached are both letters of rejection. I have not been late with any payments for over 5 years. I am trying to get my credit re-established so I can refinance. I have XXXX more debt to pay off before I am in a position to apply. I can not be late with any payments in order to get my credit where it needs to be. B of A took no time at all to reject my requests. It is as if they do n't even look at the paperwork.
Product: Payday loan, title loan, or personal loan

THE COMPANY LOAN MAX LEFT TOWN I LOST MY JOB IN XX/XX/2019 THEY LEFT TOWN CLOSED UP AND I HAVE NO TITLE TO MY CAR THE XXXX XXXX XXXX ATTEMPTED TO REACH THEM IN AN OFFICE XXXX OHIO THEY REFUSED TO SPEAK WITH THEM THERE IS NO RECORD OF THE LOAN OR ANY OTHER INFORMATION ON ANY OF MY CREDIT FILES NOR ANY LISTED INQUIRIES AT THE TIME THE LOAN WAS ISSUSED THEY DEMANDED CASH AS PAYMENT AND NEVER ISSUESED ANY RECEIPTES I NEED THE CAR I AM OVER XXXX AND I NEED TO GET TO WORK AND THE DOCTOR AFTER MY XXXX  THE STATE OF MICHIGAN REFUSED AFTER INFORMED OF THE ABOVE TO EVEN ISSUE A LIEN TITLE SO I COULD GET PLATES THEY NEVER TRIED OR TOLD ME THEY WOULD REPOSS THE CAR I NEED A TITLE, MICHIGAN SAID THEY WOULD 'MAIL " THEM A TITLE MAIL WHO? I PAID THE LOAN I NEED THE TITLE NOW
Product: Debt or credit management

I paid Lexington Law firm to preform a service and they did not
Product: Mortgage

Having problems with PHH/NewRez regarding a short sale. According to attorney they are not being fair.
Product: Credit reporting or other personal consumer reports

I am writing to you once again regarding the unauthorized credit inquiries that still appear on my credit report. As a consumer, I am entitled to accurate information reported about me under the Fair Credit Reporting Act ( FCRA ). Despite my previous dispute and my request for an investigation into these inquiries under Sections XXXX ( 15 U.S.C. 1681i ), XXXX ( 15 U.S.C. 1681g ), and XXXX ( 15 U.S.C. 1681b ) of the FCRA, I have yet to receive a satisfactory resolution or sufficient documentation justifying the presence of these inquiries on my credit report. 

Disputed Inquiries :
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : You Violated The United States Code Law 15 U.S. Code 1681b Permissible purpose of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission.

1. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft XXXX XXXX XXXX, XXXX 
Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Please move urgently to resolve this matter as I will have no choice but to take legal action regarding this matter if not completed in a timely manner. 
Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several account on alleged credit report. All debt was satisfied with primary notes. According to report the student loan debt continues to be brought by other companies ( credit transfers ) These securities continue to be created repeatedly. This is an/are illegal transitions. Please see 28 USC subsection 3002. This information is false and misleading ( 15 USC Code 1692 ( c ). The fair credit reporting Act subsection 609 disclosures to consumers : ( c ) ( 2 ) ( E ) : states A consumer reporting agency is not required to remove accurate derogatory information form a consumers file, unless the information is outdated under section 605 or can not be varied. There a incorrect address and two SS # on this one account. Also 15 USC Code in its entirety applies to this issue. ( Damaged as per 1692 K ( a ) ( 1 ). ( The transferring of any instrument is a crime : Please also refer to title 16 CFR I ( federal trade commission ) ... in it's entirety. On all credit report from Transunion, XXXX and others that the information is over 10 years old. The report relax other information that is incorrect such as address that were obtained through other reporting agencies. My dispute letter are ignored and never answer. A law suit will be filed and along with exabits and further explanation including information on trade via the SEC.
Product: Credit reporting or other personal consumer reports

There where XXXX accounts hacked XXXX was experian and XXXX was XXXX and neither of them notified me of the hack or the class action all of my information on my accounts was true and correct and they still fail to help me fix my accounts and problems I am not happy I did check my social security number and it says it was affected by both the recent hacks on both companies and they refuse to help me fix the problems on my credit statement as wrll as reimbursement for thefts and access to my identity I can not afford security on my identity to watch for future problems I may not encounter a problem until the future but they will not tell me if any of my charges are from theft there's a few I do not recall opening and I just want help.
Product: Mortgage

I entered in to forbearance with Pennymac. At the end of the forbearance I attempted a loan modification due to impacted income due to injury. 

Through the process I would get 1-2 automated calls per day. When I would return the call I was told nothing was needed and someone would reach out. After month of this process and getting people on line to assist I was told I needed to send another document that had been sent month earlier. From the time I hung up till the time I called back was lass then 30 minutes and they had declined the modification and filed notice to foreclose. They reopened the modification the next day and took weeks on the decision. During that time my credit score dropped XXXX points. They later declined the modification and I paid Al of the money I was behind. 

Now I am in a situation where I have a year of late payments from forbearance that arent supposed to show as late payments, along with fees for being late I wasnt supposed to have during forbearance. 

The process with Pennymac will lead to many losing homes. The length of time the process took was the reason my loan was denied, over 4 months my income dropped till I could no longer qualify.
Product: Credit reporting or other personal consumer reports

I requested information about a Fraudulent hard inquiry that appears on my credit report in XXXX, I have already requested information on two occasions and I get the same response : " They can't get my information. '' I have provided all my required information and yet the same problem continues to affect me. 

XXXX XX/XX/2023 XXXX, XXXX XXXX XXXX, XXXX, GA XXXX XXXX
Product: Vehicle loan or lease

This is for the late payments and the repossession with Global Lending Services. I called Global Lending Services on XX/XX/XXXX at XXXXXXXX XXXX  and spoke with XXXX in the escalations department and advised that the 60-day late payments and repossession on my credit report is preventing me from getting a new vehicle. I advised XXXX that I was XXXX foXXXX XXXX XXXX XXXX XXXX XXXX and had no one to make my payments for me. I explained to her that the day I was released from the hospital my car was repossed and I got it out the same day. I explained to XXXX that I had exceptional payment history before the repossession and afterwards. XXXX stated she will send my credit report to her manager to dispute the late payments and repossession off my credit report and to call back on XX/XX/XXXX. I called back on XX/XX/XXXX at XXXX and spoke with XXXX in escalation who advised that her manager XXXX denied my request to remove the late payments and repossession off my credit report. I've had this account since XXXX and have had exceptional payment history prior to me being XXXX  Also, looking at my credit report, Global Lending Services inaccurately reported to my credit report which violates my consumer rights under FCRA consumer law 15 USC 166B. They reported XXXX as 30 days past due, XXXX 30 days past dueXXXX XXXX 60 days past due and a repossession in XXXX. I've asked Global Lending Services as a goodwill and being a great customer with exceptional payment history if they can remove the negative items off my credit report and they refuse. This is no way to treat a customer that was XXXX with a XXXX XXXX XXXX XXXX XXXX XXXX XXXX but still managed to make my payment as soon as I was released and continue to do so. I would like for someone to look into my account and reverse the repossession and all late payments please.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 a personal credit card account opened at XXXXXXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXXXXXX, XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$4900.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

I attempted to transfer money has I have in the past to someone in XXXX. This is the only person I have difficulty transferring money to. 

Today, XXXX XXXX put the transaction on hold, and when I called to find out why they grilled me for XXXX XXXX asking how I knew this person ( who I previously had transferred money to 2x on their own systems ), how old he was, when I last saw him, what he would spend the money on, etc. I answered every question without hesitation. 

They kept me waiting for a total of XXXX XXXX, and then said they could not perform the transfer. When asked why, they refused to say. I asked to speak to a manager and was kept on hold for another XXXX XXXX, they returned to say I would need to continue to hold. After XXXX XXXX they hung up the phone. 

During the call the attached email was received at XXXX XXXX confirming the money was transferred. As of now ( about XXXX XXXX later ) the transaction shows as " in progress '' on their website. All the while, they told me it was cancelled. 

XXXX XXXX systems are inaccurate and clearly not communicating consistent information to consumers. In fact, the agent was also deceitful. 
I have transferred money to others today and had no issue.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, NY XXXX, CA XXXX SSN : XXXX Date : XXXX I just received my investigation results, and saw some accounts were verified. However, I have a few questions : how do you complete your investigation? One more thing, I was reading the FCRA and noticed you violated these laws as well : 15 USC 1681. ( a ) ( 4 ) 15 USC 1681a. ( e ) 15 USC 1681b. ( a ) ( 2 ) 15 USC 1681i. ( 5 ) ( A ) ( i ) I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation Account Name : XXXX XXXX Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation Account Name : XXXXXXXX XXXX Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation Account Name : XXXX XXXX XXXX Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation Account Name : XXXX XXXXXXXX XXXX  Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation Thank You, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) is reporting false and inconsistent information across XXXX, Equifax, and XXXX, violating the Fair Credit Reporting Act ( FCRA ). 

1. Inconsistent & False Credit Reporting XXXX XXXX is reporting different balances, payment statuses, and account details to each credit bureau, which is inaccurate and damaging. 
These discrepancies have caused my credit score to drop by over XXXX XXXX preventing me from securing housing, financial opportunities, and essential services. 
Their failure to provide accurate and consistent data has directly harmed my financial well-being. 

2. Unauthorized Fees & Account Lockout XXXX XXXX locked me out of my account, preventing me from making payments and forcing me into delinquency. 
They demanded I pay over the phone but refused online payments or other methods, which is unfair and deceptive. 
They added over {$360.00} in fraudulent late fees, pushing my balance beyond my credit limit. 
They refused to issue a replacement card after my wallet was stolen, causing further financial hardship. 

3. Fair Credit Reporting Act ( FCRA ) Violations Compensation Request XXXX XXXX has violated the FCRA multiple times by failing to provide accurate reporting, refusing to investigate disputes, and engaging in unfair financial practices. 
I am requesting {$1000.00} per violation, as allowed under the Fair Credit Reporting Act, due to financial harm, credit damage, and emotional distress. 
I demand : 1. An immediate CFPB investigation into XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
2. Full removal of all false credit reporting from XXXX, Equifax, and XXXX. 
3. A refund of all unauthorized fees and over-limit charges. 
4. Compensation of {$1000.00} per violation for financial, emotional, and housing-related damages. 

XXXX XXXX  deceptive actions have caused extreme hardship for me and my XXXXXXXX XXXX, and I demand an immediate resolution.
Product: Credit card

I had a Bank of the West cash back XXXX. During summer 2023, I experienced a decrease in income which caused me to fall behind on that and other accounts. Some of the companies I dealt with were reasonable and I was able to maintain the accounts and work out payment issues. That was not the case with Bank of the West and, later, XXXX. The account was closed without notice ( I had to find out about the closure through XXXX XXXX ). I was then inundated by repeated emails, texts and phone calls from XXXX personnel. 

At one point, XXXX collections offered a deal to compromise the amount owed. I did not avail myself of that offer as several BMO collections personnel advised that by bringing my account under the credit limit and current, the account would be reinstated. In no uncertain terms, I was advised on at least three occasions by different BMO collections representatives that the account would be reinstated and available for use if the payments were brought current. That seemed like an acceptable resolution at the time. I sacrificed payments on other accounts to become current on XXXX. When I did, the XXXX online site reflected the payments and available credit. 

I contacted XXXX to obtain a replacement card since the original card in my possession expired earlier this year. I was advised by BMO customer service that the account was revoked by collections and could not be reinstated, referring me back to collections. I spoke with collections and was advised that the earlier representations were in error and that the account could not be reinstated. I asked for the contact information of someone within XXXX to address my concerns. I was not given that information and was told that XXXX would " investigate ''.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

My vehicle was taken and sold in auction amerca first credit uniou refused to give me proof of what the vehicle sold for and how they came up with the remaining balances. I asked for the aiction statments and i javnt recived any information
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 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 XXXX business days of you receiving this complaint.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/XXXX Name : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX DOB : XX/XX/XXXXXXXX  SSN : XXXX I recently obtained a copy of my credit report from your services and found the following items to be an error. 

Creditors Account Name and Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX These are the same accounts on my credit report that was removed, how can they report on my credit same account two different creditors. This is an improper use of my credit and should be removed right away. 


According to section 15 U.S. Code 1692g ( Validation of debts ). 

1. I want all creditors to send me a detailed list of the history of payments made by me on this account. 
2. I want to see the signature that I put on a contract guaranteeing that I would pay this creditor. 
3. Im asking to see has there been any insurance claim filed on this debt. 
4. I want proof that you have the chain of title to collect on this debt. 

15 U.S. Code 1692c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes thedebt collector to cease furthercommunication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. 

In addition, Im requesting a description on how the investigation was conducted along with the name, address, telephone number of anyone contacted for information. Furthermore, if there is a change in my credit history resulting from this investigation, i am requesting that an updated report be sent to those who received my report within the last two years or employment purposes, or any purpose. 

Thank you for your prompt attention in this matter. 

XXXX XXXX