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

Had XXXX  XXXX XXXX sell my loan to XXXX XXXXe in XXXX after reviving a payment from me that was to be applied to my pay due account. I had late fees with boa but made plans to repay as I stayed correct. They Sikhs the loan to XXXX, with my catch up payment used on ALL late fees which made me a month behind after the sale to XXXX. I contacted them regarding this matter and tho make a long story short, I inquired on things like forbearance or any other way to assist me. They replied they don't did such things and offered no solution but to pay. At the same time, I was reviving a discharge of a chapter 7 bankruptcy, which was discharged XX/XX/2014. 
Since XXXX, even though I'm paying my mortgage monthly, it's not showing on my credit report as not owing a mortgage. This is hampering me on fair credit reporting. 
How can I get this matter taken care of? 

Respectfully submitted, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was trying to purchase a house, I have damaging information on my credit profile, there should be no damaging information on my credit profile Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer. 



XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XX/XX/XXXX CC : CONSUMER FINANCIAL PROTECTION BUREAU AND FEDERAL TRADE COMMISSION RE : YOU HAVE VIOLATED THE USA LAW FAIR CREDIT REPORTING ACT 15 U.S.C & 1681g DEMANDING ATTENTION FROM LIVE REPRESENTATIVE!!!!

Im not happy with the way your company is handling my consumer report. I was a part of a XXXX breach and your company is still not securing my information. I have already filed complaints with the Attorney Generals Office in your state and my state about your illegal attempts to damage my consumer report. I've also made a complaint to CFPB. You sent me a letter stating that the accounts were verified but you said nothing on how the account was verified. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer.

Thereis not a possible way a debt can be validated under 15 U.S Code 1692g ( 5 ) ( b ). YOU ARE BREAKING THE U.S FEDERAL LAWS. You will be hearing from the CFPB about these violations. You sent me no documents or information that your company relied on to verify the account below. These accounts listed below are federal law violations and damages as a natural person. I am demanding your company to remove these accounts IMMEDIATELY As stated before, I am aware of the FCRA law. Considering your responds you are NOT in compliance with these laws. Ihave the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.I do not consent you to use the e-oscar system to verify or look over this matter. Also it has been way past 30 days for you all to respond to my disputes which again is a violation. I DEMAND THAT YOU DELETE THESE FOLLOWING ACCOUNTS IMMEDIATELY Account : Account Number : Reason XXXX XXXX  XXXX XXXX fraudulent account XXXX XXXX XXXX XXXX fraudulent account XXXX XXXX XXXX XXXX fraudulent account Its your duty, mandated by law be in compliance with the laws.The furnisher never provided any proof to me that that account listed above was reported XXXX  % accurate. Im telling you that Im ready to initiate my own investigation by filing complaints with the Attorney Generals Office in my state and yours if the above items are not deleted ASAP. 
Tracking everything CC : FTC, XXXX, CFPB XXXX XXXX
Product: Mortgage

On XX/XX/2020 I signed documents pertaining to the acquisition/purchase of my home at XXXX XXXX XXXX XXXX New York XXXX XXXX However the pervious property owner is in violation for failing to deliver what was promised as I am yet to be notified of acceptance as the New owner an my signature doesn't appear on the Warranty Deed ( fraud ) ( violation ) all parties are to be presented at signing 15 USC 45 , I never received the purchase money loan ( cash advance ) that entails a finance charge from The Veteran Affairs, Veterans XXXX XXXX XXXX XXXX Wells Fargo Home Mortgage , A Promissory Note doesn't constitute a loan. A LOAN means debt evidence by Promissory Note plus interest, I XXXX XXXX XXXX am yet to identify what was loaned to me by The XXXX XXXX,, XXXX XXXX XXXX XXXX and or Wells Fargo Home Mortgage. There is no Contract how can a Trustee enforce what I never accepted? There is no contract. The mortgage is the agreement that pledge the property as collateral for the loan, But once I am yet to identify what was loaned to me. There is also violation of not having the NOTICE so I assert my right not to pay all to creditors under contract, The collateral can not be the loan, the collateral is my home. Where is the loan proceeds
Product: Student loan

On XX/XX/2018, I sent in my most recent PSLF Employment Certification form. With this form, XXXX XXXX should have calculated that I have made 68 qualifying payments toward the 120 payments needed for public service loan forgiveness. Unfortunately, XXXX XXXX is so bad at their job that they calculated that I had made 61 qualifying payments - despite the fact that my job has not changed, my loan has not changed, and my repayment plan has not changed. On multiple occasions, I have reached out to XXXX XXXX to inform them of their error and asked them to correct it. To date, they have done nothing. Moreover, they have failed to respond to my multiple emails. When I get them on the phone, they say they will look into it. XXXX XXXX is the most incompetent student loan servicer on the market. Congress should investigate. Student loan holders should avoid them.
Product: Debt collection

I am writing this letter in because I checked my credit reports for accuracy as I am in the process of being pre-qualified for my very first mortgage through the First Time Homeowners Buyers program, and I saw a debt reported by NCB MANAGEMENT SERVICE for XXXX XXXX  XXXX XXXX  in the amount of {$2900.00}. 

Since I do not believe I owe this debt, I am requesting that you comply with Section 809 of the Fair Debt Collection Practices Act and send me the following information : ( 1 ) The name of the original creditor ; ( 2 ) What goods or services were purchased with the money you claim I owe ; ( 3 ) All documentation proving that I owe this debt ; and ( 4 ) A copy of your license to practice debt collection in my state. 

I am also requesting that you send a copy of this letter to the original creditor notifying them that I dispute this debt so that they can not report it as delinquent on my credit report. Likewise, if you have reported this debt to any credit bureau, I request that you also report to them that I dispute owing the debt. Please notify me when you have done so. 

If you need to contact me in the future, I insist that you do so by mail. I am not allowed to receive personal telephone calls at my place of employment. I also prefer that you not phone me at home regarding this debt. All future contact should be by mail. Thank you.
Product: Checking or savings account

XXXX XXXX / BB & T Bank Representative XXXX XXXX said XXXX XXXX XXXX BB & T Bank could help with my banking needs. I wanted easy online access to funds. After opening an account I requested online access. 4 days went by and I followed up 2 times about online access to funds so that I can pay a bill. On the 4th day XXXX called me and said they would not be my banker as " We could never satisfy your needs. Just tell us where to send your funds and we'll wire them over. '' She explained to me that my assets were frozen and I would not be given online access to those funds. 

I said sure as she expressed the funds would be wired out to the bank account of my choosing .... and proceeded to open an account with XXXX XXXX, then provided the routing & account number to XXXX XXXX of XXXX XXXX / BB & T. She then replied I would have to go to the branch and pay the wire transfer fee to receive my funds. 

I have not been provided an adequate explanation why my assets were frozen, why I would not be given online access to those funds as other customers are, and finally why I would have to go to the branch and pay fees to access those funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple times I have sent an identity theft report to the credit bureaus, yet I have not been getting any response and no action is being taken towards removing this negative remark from my credit report which is fraudulently stating on my credit report. I have filed an identity theft report with the Federal Trade Commission multiple times regarding this issue and even sent them a copy of the police report that I filed because of this fraudulent activity. The bureaus continue to disrespect the consumers and not take their requests seriously. I have been a victim of identity theft and the listed item ( s ) to the attachment is fraudulent and must be blocked and removed from the credit report. I have filed for a police report which shows the seriousness of the issue. I do not want to see a credit line to report on my credit history if it does not belong to me. These are official documents from the Federal Trade Commission and from the XXXX Police Department. The XXXX XXXX XXXX XXXX  Acct XXXX. XXXX does not and never had belonged to me. This is the work of an identity thief ( s ).
Product: Mortgage

I've called Wells Fargo twice this year in XXXX and XXXX about the settlement and have not received any information from them but they promised to mail. I had XXXX mortgages with them with no money
Product: Credit reporting, credit repair services, or other personal consumer reports

Enhanced Recovery is reporting a charge-off of {$99.00}. This debt does not belong to me and has been reporting on my credit file for 3 years and 11 months. My credit bureau indicates that the original creditor is XXXX XXXX XXXX XXXX. I do not have and never had an XXXX XXXX XXXX XXXX account. Enhanced Recovery is reporting inaccurate data on my credit file. Based on the FDCPA, a debt collector must notify the alleged consumer of the debt. Section 809 ( b ) [ 15 USC 1692g ] Validation of Debts. I was never notified of the debt, therefore I could not dispute the debt. Two violations have occurred, Violation of FCRA- Inaccurate Reporting and Violation of FDCPA notify consumer of debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a compliant against Bank of America. Bank of America let someone pretend to be in XX/XX/XXXX. I tried to dispute the matter several times. Some odd reason that person hack into my saving and checking account that year to transfer it all into XXXX XXXX. My account was in the negative. Bank of America advised me deactivate my XXXX XXXX and reset my user name and password. Bank of America had issued me a temp credit. After they has done their investigation. Bank of America wanted to reverse the temp credit because my name was on the account. Bank was America had report me XXXX XXXX in XX/XX/XXXX. At first, I had refused to pay for something I didn't do at all. It was hard for me to apply for any personal or business checking account because of this situation. My attorney from XXXX XXXX send a demand letter to Bank of America on XX/XX/XXXX. He gave Bank of America 15 days to resolve the matter, no response from Bank of America yet. Bank of America held me responsible for {$6400.00}. After I paid for something I didn't do. I paid it in full on XX/XX/XXXX. Bank of America told me. I have 5 years to removed from the XXXX XXXX. If I had known, I would not paid a cent. Something I should not done anyway. I request a copy of the policy. They refused. I should not paid for something, I didn't do at all. Please you want removed from the XXXX XXXX. I want my {$6400.00} back and removed from the XXXX XXXX. I have provide them documents. Bank of America ripped so many customers off. Thats why they are constantly being sue for something. Be careful having any accounts with them. Bank of America is the largest bank of crooks.
Product: Credit card

Reported via phone and chatted on line on XX/XX/2024 with American Express XXXX XXXX bevy card. and this was their response The 0 % APR offer was only towards the " Purchases '' on your card within the offer period. 

Cash advances, and card fees like annual fees are not included towards the 0 % Purchase APR offer.

The said interest charge was towards the card annual fee that was billed on your card last XXXX, for the amount of {$250.00} I have this on autopay which covers more than the minimum amount required. Is this legal? even though I make consistent payments, no purchases were made during the time period, no cash advances, but I was still charged interest fee for the {$250.00} annual card fee even though i make $ 500 monthly auto pay? I am still trying to negotiate and rectify this issue with AMEX. process still pending and no advise made yet on how to avoid this type of charges.
Product: Debt collection

Helvey and Associates did not send me any notifications ( letters, email, phone call ) to indicate that I had an outstanding debt of {$360.00}. I was made aware of this debt by reviewing my own credit report. I reached out to the company on XX/XX/2021 to inquire about the debt and left a voicemail. I did not receive a response. I reached out to the company again and was notified that their system was down and they couldnt provide me with any information. I was informed that I would be contacted once their system was working, but this never happened. I had to call them again and finally got in touch with someone who could provide details regarding the outstanding debt. I made payment once I received the bill. I requested that their derogatory report be removed from my credit report since I was not provided with any prior notifications, but they refused. As a result, my credit score has dropped by over 100 points due to no fault on my part.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX XXXX XXXX ( Finance ) XXXX XX/XX/XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX ( Finance ) XXXX XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XXXX XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XXXX XX/XX/XXXX XXXX XXXX ( Finance ) XXXX XX/XX/XXXX XXXX XXXX ( Bank ) XXXX XX/XX/XXXX XXXX & XXXX ( Bank ) XXXX XX/XX/XXXX XXXX & XXXX ( Bank ) XXXX XX/XX/XXXX XXXX ( Bank ) XXXX XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and I see 1. XXXX XXXX XXXX XXXX account number XXXX 2. Unknown Account name ( not shown in report ) with no contact information listed on report Account number XXXX Balance XXXX 3. Unknown account name ( not shown in report ) with no contact information listed on report Account number XXXX Balance XXXX These accounts are reporting fraudulent and inaccurate information on my credit report. 
I have requested that they provide the purchase agreement to show full ownership of such account, and also other documents so that I may review to see if this is actually an account that belongs to me. 

Also I have several unauthorized inquiries in my report that I never gave permission to run my credit. 

XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax needs to fix the issues about the inaccurate information for the accounts and the unauthorized inquiries reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$3400.00} US DEPT ED XXXX Balance : {$3900.00} US DEPT ED XXXX Balance : {$2400.00} XXXX  XXXX Balance : {$12000.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$970.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$4200.00} XXXX XXXX  XXXX Balance : {$4400.00} XXXX Date of inquiry XX/XX/2020
Product: Vehicle loan or lease

XXXX XXXX - XXXX XXXX XXXX was returned to XXXX XXXX XXXX XXXX. 

XX/XX/XXXX - Received a verification from the lease holder, XXXX XXXX  XXXX as Trustee of World Omni LT and Southeast Toyota Finance dba World Omni Financial Corp, that account was paid in full. 

Southeast Toyota Finance dba World Omni Financial Corp continually sends past due notices and harassing phone calls. 

XX/XX/XXXX - Copy of that letter was faxed to them at XXXX as instructed, and still received letters and constant harassing phone calls Called again to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I recently disputed an account on my credit report to make sure the information is correct and complete. They didnt properly investigate it. I believe the details are still wrong and incomplete. This is really stressing me out, and I feel hopeless. Please help meI dont know what to do. 

Just to be clear, I am submitting this dispute myself, not a third party.
Product: Bank account or service

Paypal holds money even when they are giving information that the seller has received their items back, to make interest off the holds they do. This is illegal
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Phone : XXXX Email : [ Your Email Address ] Date : XX/XX/year>XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : Request for Removal of Incorrect Information - Dispute of SYNCB/PPC Account Dear Sir/Madam, I am writing to formally dispute the information on my credit report related to the SYNCB/PPC account, listed under the account number XXXX. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information on my credit report. Upon review, I believe this entry is incorrect and should be removed from my credit file for the following reasons : Inaccurate Reporting of Account Status : The account is marked as a " charge-off '' with a past due amount of {$120.00}. I dispute that this status is accurate. The account was not properly managed according to the terms, and I have made efforts to resolve the balance. As such, I believe the charge-off status is an error and should be re-evaluated. 
Inaccurate Payment History Reporting : The reported payment history is inconsistent, showing multiple 30, 60, and 90-day late payments, as well as a charge-off. There are discrepancies in how these payments were reported, and such errors are in violation of the FCRA, Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), which mandates the accuracy and completeness of all information reported to credit agencies. 
Request for Debt Validation : Under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ), I request that the creditor ( SYNCB/PPC ) validate the debt if it is still being reported as charged-off. If the creditor can not provide the necessary documentation to substantiate the validity of this debt, it should be removed from my credit report. 
Reporting Time Period Violation : The account is scheduled to remain on my credit report until XX/XX/year>, which is beyond the allowed time frame for charge-offs. Under Section 605 ( a ) ( 4 ) ( 15 U.S.C. 1681c ) of the FCRA, charge-off accounts can only be reported for up to seven years from the first missed payment that led to the charge-off. This account should be removed from my credit file as it exceeds the reporting period. 
For these reasons, I respectfully request that you conduct a full investigation of this account under Section 611 of the FCRA ( 15 U.S.C. 1681i ). Please delete or correct the inaccurate information associated with the SYNCB/PPC account and update my credit report accordingly. I would appreciate a confirmation of the results of your investigation, as well as a revised copy of my credit report once the account has been removed or updated. 

If you require any additional documentation or information to support my claim, please feel free to contact me. 

Thank you for your prompt attention to this matter. I look forward to receiving your response within the required 30-day period. 

Sincerely, XXXX XXXX