23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I am in the beginning of restructuring debt, with a debt management company. 
I have several accounts with American Express which are to be put into the payment program. However, one of the requirements of the program is to provide the full account numbers. One account with American  Express, was closed in XX/XX/2017. Although I have continued payments to this account, the refuse to send out a new card. This card would contain my full account number, which the debt management company would use to put the account into the plan. My statements, do not contain the full account number ( only last 6 of account are provided. The debt management company can not include my account in the program, unless they can meet the requirement from American Express to provide a full account number. 

I have contacted American Express and they provided a tracking number for my request XXXX, but supported the initial response, which was refusal of providing my account number and refusing to send out a new card. 

Attached is the statement from American Express, which I hope would help you in a response to my problem.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Has been reporting Negative on my credit report I never opened this account. This account has been affecting my abilities to attain credit
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

Since XXXX I have diligently remain consistent disputing a medical collection agency by the name of : XXXX XXXX XXXX that have made every attempt to attach me to a unverifiable account. On XX/XX/XXXX I filed my first CFPB complaint on this company for the refusal to answer a certified mail letter within 30 days to my request for validation that was very specific in detail to show proof that I am the person this debt belong to. 
complaint # XXXX On XX/XX/XXXX XXXX XXXX XXXX Replied with an Erroneous acquisition about a phone call with attempts to resolve the debt with statements that I admitted to the debt, when the only purpose that call was initiated was to simple request validation after over a year of disputes being advised by the responses from each credit bureau to contact the funisher of this negative reporting which is what I did. 

I also contacted the original creditor for the same reason in XX/XX/XXXX and was told to contact the owner of the debt XXXX XXXX XXXX  ... .so on XX/XX/XXXX I filed a second CFPB complaint on XXXX XXXX XXXX # XXXX CFPB replies XX/XX/XXXX that the complaint was sent to the FTC XXXX .Ive never heard from the complaint since that reply. 

On XX/XX/XXXX I filed a CFPB complaint # XXXX for XXXX verifying this account that was never verified with me through the collection Agency as required by Law. 

XXXX v. XXXX  XXXX XXXX , XXXX, XXXX XXXX XXXX ( S.O.N.Y. XXXX ) ( citing 15 U.S.C. 169Jlg ). This includes informing the debtor of his or her right to ask the collection agency to 'Validate ' the debt. 

I repeated disputed with XXXX to re-investigate the collection account only to receive that they verified the debt accurately reporting without revealing method of verification as requested. So on XX/XX/XXXX I filed a CFPB complaint # XXXX. 

All correspondents are within these complaints numbers above to show that I have done what is required from a consumer to resolve a unverified collection on my credit report. 

Equifax then deleted the collection account from my credit file.
Product: Credit card

This all started when I received my new pc from XXXX XXXX ( which was ordered on XX/XX/year> Order # : XXXX ). The computer simply does not work, and when XXXX kept sending me from one department to another, all of whom responded with emails containing conflicting information, I contacted Bank of America. I can provide the entire account, but I will summarize here. After much back and forth and BoA 's lackadaisical approach to investigating this, I asked to speak to a supervisor in the " Support department. '' I did not get a name, but as a XXXX XXXXXXXX person it stings when someone disrespects that fact that you can not not do what most able-bodied folks can. She actually ridiculed me for not being able to do things the way " everyone else does ''. This total disregard for a person 's XXXX is unforgiveable. Make no mistake, this complaint is about Bank of America and the ignorant and disgraceful personnel who simply dismissed my concerns.
Product: Credit reporting or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 

XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX  XXXX XXXX XXXX Balance : {$15000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 purchased a second home at XXXX XXXX XXXX XXXX, XXXX XXXX, NJ, a shore town that required flood insurance for the loan, which I did purchase according to the guidleines sent to me from the lender ( Greentree in XXXX XXXX, NJ XXXX. We settled on XXXX and now they are saying I need to purchase additional flood insurance to cover the replacement value of the existing property. According to what they sent me and the Federal guidelines I only need to have Flood Insurance in the amount to cover the Improvemets minus the land value, which is what I purchased. They are now forcing me to purchase more coverage ( the value of the improvements, with no consideration of the land value ) or they say they will purchase a policy and force me to pay for it, which will be much more expensive that me just increasing coverage. I feel they are pressuing me to purchase something I do not need to make them feel better.
Product: Vehicle loan or lease

Americredit/GM Financial advisor told me that I would have to pay the entire balance of XXXX to get possession of the XXXX XXXX XXXX that I have a past due balance of {$2400.00}, they also said that they were going sell the vehicle on the XXXX of XX/XX/XXXX, without any other type of remedy, I explained to them about the payment that has been mailed certified mail,XXXX  and I want to get the rest of the balance if sold before it reaches them.
Product: Credit reporting, credit repair services, or other personal consumer reports

12 CFR 1016.7, consumers retain the right to opt out of reporting services at any time. As of XX/XX/2023 I am exercising my right to opt out of your reporting services. 

You ( EQUIFAX ) stated you needed more information like account numbers etc. It was requested by the CFPB that I do NOT disclose private information in my report. Furthermore, in the evidence attached to my report should have given you the necessary information. My name and information is already in your system without my written consent. I am demanding to be opted out of your credit reporting services ASAP! If not done within a timely period, further action will be taken to the proper authorities. The Furnisher of my information is XXXX XXXX XXXX Thank you!
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the ongoing and flagrant violations of the Fair Credit Reporting Act ( FCRA ) by XXXX, a matter that has severely impacted my ability to secure a home loan. Despite my diligent efforts to address and rectify inaccuracies on my credit report, XXXX 's repeated failures to comply with the law have left me unable to proceed with the purchase of a house. 

I am also writing to bring to your attention a persistent and egregious violation of the Fair Credit Reporting Act ( FCRA ) by XXXX, one of the major credit reporting agencies. Despite my repeated attempts to rectify inaccuracies on my credit report, XXXX has failed to comply with the law, specifically outlined in 15 USC 1681. 

I have diligently followed the proper procedures and submitted dispute requests to XXXX on multiple occasions, providing evidence to support the removal of erroneous items from my credit report. However, despite my efforts, XXXX has not only neglected to correct these inaccuracies but has also failed to adhere to the legal framework established by the FCRA. 

According to 15 USC 1681, consumers have the right to accurate and fair credit reporting. The law explicitly states that there should be no damages to a consumer 's credit report that are not substantiated by valid, verifiable information. The persistent presence of inaccurate information on my credit report not only constitutes a blatant violation of my rights but also amounts to defamation of my character, as my creditworthiness is unfairly tarnished. 

I demand immediate and thorough action to rectify this situation. The only acceptable solution is the prompt removal of all collections and inaccuracies from my credit report, in accordance with the law. XXXX must comply with the FCRA and fulfill its obligation to provide consumers with accurate and reliable credit reporting. 

I kindly request that the Consumer Financial Protection Bureau investigates this matter promptly and takes appropriate enforcement action against XXXX for its repeated violations of the FCRA. Additionally, I ask that you keep me informed of the progress and resolution of this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. ) Reported Fraud FTC report - XXXX. Issues unresolved. 
2. ) Submitted complaint - XXXX. Issues unresolved CRA- Illegally re-aging negative account info. The accounts must be deleted. 

Included are the steps I have taken from the FTC to have fraudulent information blocked from report for the negative items in my report as a result of fraud. 

( 1 ) Sufficient information to identify the account or other relationship that is in dispute, such as an account number and the name, address, and telephone number of the consumer, if applicable ; ( 2 ) The specific information that the consumer is disputing and an explanation of the basis for the dispute; and ( 3 ) All supporting documentation or other information reasonably required by the furnisher to substantiate the basis of the dispute. This documentation may include, for example : a copy of the relevant portion of the consumer report that contains the allegedly inaccurate information ; a police report ; a fraud or identity theft affidavit ; a court order ; or account statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX showing up as a hard inquiry on my transunion credit report. I was previously advised by transunion that it would be removed whena prvious complaint was filed in XX/XX/2022 and it was not removed. This is my second compliant. Orginally suspected this was inquiry ( along with others ) were a result of a data breach from another credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries doesn't not belong to me and we're not authorize by me XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern TransUnion XXXX XXXX XXXX XXXXXXXX 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 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX THESE NAME VARIATIONS DO NOT BELONG TO ME XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 

XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX and XXXX are reporting different last payment for a closed account. Under the FCRA this is illegal ....
Product: Checking or savings account

I had a joint account with my mother. One night she had called me upset about money missing out of our account. I had contacted Bank of America in XXXX XXXX and the bank manager had stated that our account was closed. Due to someone in XXXX had tried some fraudulent activity and that they were handling it. A week had gone by and I received a phone call from a Police officer stating she needed to speak to ne about some fraudulent activity in my account. I had gone to my local XXXX branch and asked them what was going on and if I can have any And all paperwork associated with the account and that I wanted ti know what was going on with our funds? They stated I had to call some number and ask them. I had done so and they did not help me. I had read word for word the packet I received when I opened the account. Both the local branch and corporate branch failed to furnish me with my allowable account information or legal help which it states in there Consumer information disclaimer pa ket they would. Give me legal representation. I had lost thousands of dollars paying for lawyers just so I wouldn't go to jail because the. Bank was to lazy to do there job and or return both mine and .my mother 's money. Now they are trying to embezzel {$8900.00} of my money. They will not even talk to Mr they hang up on me. I do not owe them any money they owe me plus for attorney fees and fines and now this check from my mother 's death they are trying to steal that from me
Product: Credit reporting or other personal consumer reports

I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act.
Product: Mortgage

I have a mortgage with Wells Fargo Bank, I'm currently XXXX on XXXX XXXX with XXXX more months left on my assignment before I come home and retire for a XXXX  and final time from the military. I was recently informed by a family member that some mail came to my home address from Wells Fargo stating Intent to foreclose. It's my understanding the letter is dated a month ago now. As you can imagine that's quite distressing for me as I am not in a position to address my issues and concerns that I have with Wells Fargo currently being on the other side of the world. Not to mention, I should be under the protection of the Service Members Civil Relief Act right now, and per the protection act I have an additional year from the day I leave the military and XXXX XXXX, still protected. Wells Fargo is aware I am XXXX, as I have had communication with them in the past updating information and even faxed my orders of service, so they once again are violating my rights! 

I've spoken to my command about my concerns and issues and was encouraged to contact the CFPB about my situation before getting a XXXX officer involved. My issues go even deeper with this crooked institution, as they are the main reason I returned to the military after I had retired, to obtain a better financial situation to afford and keep my home after I was unfairly turned down by Wells Fargo when requesting a modification in previous talks. I strongly believe I've been discriminated against by this company and I plan to get to the bottom of things and look into all options available to me once I return back to the states permanently. 

I ask that you get to the bottom of why I was sent the notice at this time. 


Thank You, Kindly
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a client of Shellpoint Mortgage Servicing for many years, I have never had an issue arise through working with them. The reason I am submitting this complaint is because of a health crisis I had suffered which resulted in a late payment of my mortgage. On my credit report there is a late mark on XX/XX/2022 for account number XXXX. At the time I was diagnosed with XXXX and I had many serious health complications arise. Due to massive hospital bills and me being unable to work, I was late on this payment. This was during the time when everyone was getting the XXXX XXXX here in Florida and it hit me very hard. I have advised with an FCRA attorney regarding this incident and I was told that my rights are protected under the CARES act specifically section H.R. 748 -- 200 SEC. 4013. I have also included a copy of Section 4021 which protects my rights and from this reporting on my credit report during this period in my life. You have been notified, this late payment should not be reporting on my credit report. My attorney has advised me to write this complaint and if the late reporting is not removed for the month of XX/XX/2022 then my attorney has advised to potentially open a civil case. I appreciate everything Shellpoint has done for me and I consider myself a good customer as well. I hope Shellpoint is able to understand the hardship I have went through and remove the late payment from reporting on my credit reports.
Product: Credit reporting or other personal consumer reports

Old navy applied to a credit card without my consent. It says in XXXX, Barclays Bank ask your credit report and it's hard inquiry.