23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed my XXXX XXXX card was not reporting accurately. My experian report says I have a late payment XX/XX/year> which is completely inaccurate because it was paid on time. My XXXX report shows it correctly with no late payments. Ive attached both reports so you can see the inaccuracy. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. Im now requesting you investigate this account and update this payment to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit card or prepaid card

I applied for an XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ( see attached image for confirmation of the application date ). The terms were that I would receive XXXX miles after {$1000.00} spending in three months and {$50.00} statement credit for a XXXX purchase ( also attached offer ). I have confirmed chat with an AMEX rep on XX/XX/XXXX that I met the terms of the condition and would receive the bonus miles in 6-8 weeks ( attached chat log ). 

I never received the miles nor the bonus points. I tried contacting an AMEX supervisor in XX/XX/XXXX who said she would submit a request for me because there was a system issue due to my application being approved in XX/XX/XXXX after going through reconsideration. However, I met the terms of the bonus, applied before the expiration date of the promotion, so I do not think this should be an issue. I tried following up again ( XX/XX/XXXX) and even ( XX/XX/XXXX ) and was told it hasn't been reviewed. 

This is getting ridiculous. I met all the terms so I do not understand what the holdout is for issuing the points and the statement credit. I have proof that a rep stated that I met the terms and conditions.
Product: Credit card

I was threatened over the conversation by a phone call from Bank of America in early XXXX, 2015. The gentleman told me that I am fully responsible in debt of {$21000.00} because this account is under my name with my social security number. I was very afraid my credit will be damaged and worried about the employment opportunities in the future if I refuse, I agreed to settle with him verbally. 
I received the confirmation letter about two weeks later, the settlement amount of {$5500.00} scheduled of XXXX installments starts from XX/XX/XXXX. Each payment will deduct from my checking account automatically. However, I discovered this account does n't belongs to me ; I am neither the business owner nor holding Tax ID. Meanwhile, I do n't have enough money to cover the payment. 
The overdraw protection plan of the BOA works and yet accelerate more debt. I called to reverse my money back to my checking account, unfortunately, every one were dropping the ball although XXXX of the gentleman told me that he is issueing the request for me. I went to bank 10 days later personally, they told me it is still processing because holiday and weekend. 
I also discovered none of any letters from I received indicated the fully credit card number ( XXXX of confirmation, XXXX of reminders to XXXX of attempt to collect a debt. ) I 'm very anxious want my money back to pay the other past due payments. I should n't made this kind of mistake, what a fool I am!
Product: Mortgage

My Client " XXXX XXXX XXXX '' has been trying to get in contact with the lender Shellpoint for a month prior to the foreclosure sale due to a recent car accident that happened. She even ordered a payoff because she was initially planning to sell the house and finally leave the state of texas. The lender " Shellpoint MTG '' has been very difficult in helping her and answering her questions on what her options were.
Product: Debt collection

Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 

ONEMAIN Account Number : XXXX Account Type : Installment Account Status : Closed Monthly Payment : {$0.00} Date Opened : XX/XX/2015 Balance : {$4800.00} Terms : High Balance : {$4800.00} Limit : Past Due : {$4800.00} Payment Status : Bad debt & placed for collection & skip Comments : CHARGED OFF ACCOUNT
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence Estoppel v Gravens ( mo ) 281 SW715.719 presume that no proof of the alleged debt. Nor therefore any such debt in the fact therefore exist. ( please remove this account before I seek litigation for defamation of character ). XXXX XXXX {$1900.00}, XXXX XXXX {$590.00}, XXXX XXXXXXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX {$1800.00}, XXXX XXXX XXXX {$240.00}, XXXX XXXX XXXX {$380.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The Equifax XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian
Product: Debt collection

Contacted Discover in XXXX of 2020 to notify them of the fraudulent account, this account was not opened or authorized by myself. Account is being reported as closed but charged off with a balance that is over due and late. As of today Discover continues to report this negative and inaccurate information to my personal credit report, damaging my credit and further intensifying the financial burden and stresses as a result of covid - 19. This information was previously disputed by XXXX and removed, yet XXXX  continues to allow this inaccurate information to report again without blocking it.
Product: Credit card or prepaid card

I would to report the unfair, harassing, and abusive action of Bank of America ( BOA ) credit card practice that harmed me in many ways. 
In XX/XX/XXXX, I noticed that my credit score dropped XXXX points in a matter of 2 months and realized I was a victim of identity theft. My identity ( SSN and Birthday ) was stolen. The thief/impersonator who stole my identity opened two credit cards from 2 different banks ; of course, the cards were never paid after maxing out the credit limit. Then I contacted credit Bureaus, and the banks issued credit cards to the theft. After investigation, all credit Bureaus and XXXX XXXX  removed all card transactions associated with fraudulent accounts and also removed all negative records from my reports from the card obligation as the cards were issued to a different name and mailed to a different address than my actual address, the impersonator used my SSN and Birthday to apply for the cards. 
However, dealing with BOA to get this resolved became mission impossible. Starting XX/XX/XXXX until XXXX, I have contacted BOA many times via calls to their fraud reporting line to report this matter and even asked BOA to set up case number XXXX to investigate this matter. However, Bank of America failed to investigate this matter properly. In addition, they refused to respond, accepted my information, and refused to provide me with any update. Instead of protecting consumer rights, BOA started harassing and bullying me as they searched and found my home address and started sending me harassing mailing and obtained a judgment against the name used to apply for the card, etc. I even went to the police and I was advised that I didn't have to worry about it as the card was issued to a different name. 

On XX/XX/XXXX, I was served a summon for a court judgment under the impersonate name, and I mailed and faxed to the law firm that BOA hires, noting them I was not the person. I have never received any responses either. 

In XX/XX/XXXX, four years past, BOA got a judgment against me in addition to the fake name used by the thief ( they sued the fake name associated with the card but linked my information ( they use A.K.A. on the court paper my real name and SSN ) on the decision then obtained also another judgment to garnish my wage. I never got a chance even go to court to present my situation. 

In summary, BOA is negligent and abusive towards a regular consumer like me in this matter ; not only they did not help me to resolve the identity theft issue, they even used their resources to abuse and bully a regular consumer like me, by getting a court judgment and wage garnishment judgment, they made my four years since XXXX to XXXX like living in XXXX and now I am forced to hire an attorney to assist me with this matter for the judgment and wage garnishment.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

on XX/XX/XXXX, I checked my credit report and there was a message on the credit report that said : settlement agreement for less than amount owed. 
I never spoke to GM Financial about a settlement yet they are reporting a settlement on my credit report. This is a debt that has reached its statue of limitations on collection of this debt and has been written of as bad debt and charged off. This has brought my credit score down significantly. The amount of this debt is XXXX. The account was reported on XX/XX/XXXX
Product: Debt collection

I sent the court, Zwicker & AssociatesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX letters. The last letter dated XX/XX/ saying don't contact me anymore. You ( Zwicker ) failed to provide detailed information sent to me and the court so, on XXXX XXXX XXXX  i sent a certified letter to Zwicker asking : 1. Statute of limitations for debt in CA is 4 years. I don't believe I owe this debt. I've never spoken to or had an account with Zwicker and Associates 2. I am retired XXXX XXXX XXXXXXXX XXXX XXXX XXXX I am requesting following informstion from Zwicker : A. Send me original purchase agreement with wet signature. 
B.Provide me accurate creditor contact information. 
C.Provide me accurate account number and itemized billing ... when the debt was established and when and if the debt was charged off. 
D. More importantly, I am requiring Proof of ownership that Zwicker has a contract with with creditor and authorized to collect debt from me. 
If I do not receive all the information I will file a complaint with Consumer Financial Protection Bureau Cal.Civ Proc. Code Section 697.310, 697.340
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute on the incorrect I'm on my credit report it has been well over 30days and I haven't received any investigation results.
Product: Mortgage

My current lender is PennyMac. I noticed in XXXX that PennyMac was taking a little over {$5.00} more than the authorized payment each month for about 6 months. I called them on XX/XX/2021 and asked them why they were taking extra. The lady said she could not see any reason. I asked her to stop taking the extra and she responded that the correction would go into affect on XX/XX/XXXX. I put the exact amount that was suppose to be taken out of that account and PennyMac tried to take out the extra AGAIN!

I called PennyMac and told them they owed me the {$58.00} in non-sufficient funds fees that my bank charged me, that they needed to remove all of their charges, and that I would not pay my XXXX payment until they did. They agreed to do so but did not send me the reimbursement until around XX/XX/XXXX. I paid my XXXX payment on notice that the check had been sent out and received the check around the XXXX of XXXX. 

In the midst of all this, I was trying to refinance my home through a different company. Due to my payment being 30 days late they refused to refinance my home when all I had left was to close. They told me that if PennyMac would give me a letter explaining their failures they would refinance my house. PennyMac stated that they would give me a letter in 2-3 days ( by XX/XX/XXXX ) and I have yet to see such a letter. 

I have also requested the transcripts of my phone calls with them from XX/XX/XXXX until XX/XX/XXXX and they have refused to comply with the Freedom of Information Act.

This has cost me much time, headache, a refinance, and the cash back on my equity! I want PennyMac to make it right!
Product: Credit reporting or other personal consumer reports

I am submitting this follow-up communication to apprise you of my previous complaint, dated XX/XX/XXXX, regarding my status as a victim of identity theft. As stipulated in FCRA Section 605b, Credit Reporting Agencies are mandated to expeditiously remove any items identified in an identity theft report, specifically under reference number # XXXX. Enclosed herewith are the relevant documents, attached for your reference, to facilitate the removal of erroneous information and inquiries that have been erroneously posted to my credit report. The following list comprises items that neither belong to me nor were opened with my explicit permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Per FCRA Section 605B ( a ), Credit Reporting Agencies are obligated to remove any items identified by the consumer as information resulting from alleged identity theft not later than 4 business days after the date of receipt.
Product: Mortgage

On XX/XX/2018, my divorce was official. As part of my divorce I wasn't required to refinance my mortgage ( no equity ) at that time. The agreement between my ex-husband and myself was that once the kids graduated I would refinance. In the meantime, my ex decided to file for bankruptcy but was told that it wouldn't affect me. My mortgage servicer Mr. Cooper ( mrcoooper.com ) completely shut down my online access to my mortgage loan. The attorney for my ex sent a letter directly to Mr. Cooper on XX/XX/XXXX telling them to give me back my online access. I called on XX/XX/XXXX and was told that I could submit a copy of the letter to the researchincoming mailbox at Mr. Cooper. I called back on XX/XX/XXXX to find out the status and make my XXXX payment ( since I couldn't do it online ) and was told that I wouldn't be getting my access back. I understand the bankruptcy laws as they apply to him, but what about me? I have never been late on a payment. Do I no longer have any rights to my loan information online? Not that the creditor cares, but my divorce decree states that I am responsible for the loan and I have also submitted information to them along with how the tax reporting should be done going forward which was working great. Now while I can get information if I call in, I can't submit a payment online or look at any past statements that I can only access through my online account. They want you to sign up for electronic statements but are quick to remove the access to them. I couldn't find anywhere in any regulation that state that communication needs to stop with all parties regardless if one party did not file bankruptcy. The bank for my second mortgage just had me sign a document indicating that I wanted my online access back and took care of everything. It worked out perfectly. Also, I was told that the credit bureau reporting would be turned off. While the account internally may be marked as bankrupt, I am not past due nor am I in bankruptcy so I would hope that the credit bureau reporting is accurate. They can list my ex as bankrupt but should not be listing me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX I don't want this on my report, it hurts my credit history and it's not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to correct and remove some of the data on my credit report, but there are still some accounts that need to be updated. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I dont know anything about whats going on. Ive told Ally financial over & over and I need it fixed ASAP!!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX To : Experian XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Dispute for Removal of Unauthorized and Inaccurate Inquiries Under FCRA Dear Experian, This letter serves as a formal dispute regarding unauthorized and inaccurate inquiries listed on my credit report. These inquiries violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, which states that a credit reporting agency may only furnish a consumer report if there is a permissible purpose. Additionally, under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information in consumer reports. These inquiries fail to meet this standard. 
Disputed 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 XXXXXX/XX/XXXX Violations of FCRA : 1. 15 U.S.C. 1681b : Unauthorized inquiries lack permissible purpose. These inquiries were not authorized by me, nor were they related to any legitimate credit transactions initiated by me. 
2. 15 U.S.C. 1681e ( b ) : Failure to ensure reasonable procedures for accuracy. 
Action Requested : 1. Immediate Removal : Delete all unauthorized and inaccurate inquiries from my credit report. 
2. Notification of Changes : Provide written confirmation of the removal of these inquiries. 
Failure to address this matter promptly will result in further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and seeking remedies under 15 U.S.C. 1681n and 15 U.S.C. 1681o for willful or negligent noncompliance with the FCRA. 
Thank you for your prompt attention to this matter. I expect resolution within 30 days as required by law. 
Sincerely, XXXX XXXX CC : Consumer Financial Protection Bureau ( CFPB )
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate I sent a letter on XX/XX/year>, asking them to reinvestigate this account XXXX XXXX XXXX and this is my tracking number XXXX. 

I got the investigation back but noticed nothing was modified or updated. 

So I requested a description of the reinvestigation and they did not provide it to me which is a violation of USC 1681i7.

They also violated 15 USC 1681i ( 5 ). 
Please look into this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS A CONSUMER, I HAVE TRIED NUMEROUS TIMES TO HAVE THIS FRAUDULENT ACCOUNT REMOVED FROM MY CREDIT REPORT. I AM A VICTIM OF AN IDENTITY THEFT, I HAVE SENT ALL REQUIRED DOCUMENTS TO ALL THE BUREAUS AND TO XXXX  DIRECTLY. THIS ACCOUNT WAS OPENED WITHOUT MY CONSENT, WITHOUT MY KNOWLEDGE. THE CHARGES ON THE CARD ARE NOT MINE, THE ACCOUNT IS NOT MINE. 


WHAT I DON'T UNDERSTAND IS WHY PROVIDE FAIR TRADE COMMISSION OFFICE, THIS SPECIFIC ORGANIZATION WHEN THE AGENTS AT THE BUREAUS DON'T APPROVE ANYTHING. 

THIS ACCOUNT IS NOT MINE!!!!!!
Product: Mortgage

I am desperately trying to save my home because I am on XXXX XXXX and the lender just keeps on making harder for me to save my home. I have my children and wife back home whom won't have anywhere else to go if this happens! 

I called them this morning to accept a payment because I need to schedule one more payment in order to qualify for a modification. At first they said yes we can and now after XXXX ID : XXXX a supervisor from their house said she can't take my payment. 

I am an XXXX XXXX XXXX who is serving our country and just needs to make one payment to save my home! I am not in foreclosure yet but they are getting close. I am just one payment away from qualifying. Per XXXX they can't foreclose on my home while I am XXXX XXXX.