23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have read the article about Originator. I don't really understand. What I do know is that the word means to me is the original. The start is the beginning. Our mortgage is an example We built this house in XXXX thru XXXX XXXX XXXX. We put in a {$7000.00} dollar down payment. In XXXX we thought we were refinancing with XXXX. We refinance to get {$10000.00} to finish our Bonus room. It was not until this situation we learn it was Bank America. BOA gave XXXX ( {$170000.00} ) My husband said the closing was at XXXXXXXX XXXX that night. He had just left work. He also said it was only 2 people there, him and a XXXX lady. Who was at CLOSING?? XXXX or Bank America?? Who got the Loan from XXXX XXXX XXXX? Who did the XXXX lady Represent?? Bank of America gave XXXX {$170000.00}. The loan went from {$170000.00} to {$190000.00}. Why didn't Bank of America buy the Loan from XXXX XXXX XXXX directly? Why was XXXX involved in this process? All of this was planned. The Originated date was not XXXX as Bank of America stated they stand by their Documents. The Originated date is XXXX. Where is the payment history for XXXX some documents are not accounted for? During that time I always sent at least {$100.00} extra with my mortgage payments. Was this legal for Bank of America to pay XXXX this money? No!! it wasn't. This is double dipping, everyone is getting paid. Then that leaves us without a house. Now, I have Bank America sending Encrypted emails telling me to download because my computer is not secure. Now, Today 's email from XXXX tells me to respond because of some security issue. This is harassment and retaliation View the full complaint. Why Bank of America Resolution Specialist going offline to send CFPB private letters? Why are they sending me letters stating they are not going to compensate me monetary or any other compensation. They said they stand by their decision. 

View full complaint
Product: Credit reporting or other personal consumer reports

It has come to my attention that there are errors on my credit report. The accounts numbers XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX, and XXXX XXXX XXXX ARE NOT MINE I am demanding the proof be provided that these accounts are in fact mine or removed. 
Simply verifying that names, addresses and/or Social Security numbers match is insufficient. That s what fraud is, using information belonging to someone else to obtain credit. DO NOT tell me I need to file a police report, as there is no requirement to do so under the Fair Credit Reporting Act. Is your obligation under the FDCPA to prove it or remove it. In XXXX Vs XXXX XXXX XXXX XXXX XXXX, the courts said, during a dispute and subsequently investigation, with the original creditor, collector, or a credit bureau, that the original creditor or collector must provide account level documentation. That means an original contract, or similar proof, not just a printout of the payments that were made. I am also notifying you that pursuant to 15 USC 1681 ( a ) that you should be aware that information furnishers have lost number suits and are unreliable I will wait the appropriate time as prescribed by law at which time I will proceed to protect my good name and avail myself of any and all legal rights, including but not limited to look at auction.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX account on my credit has been reported as fraud to XXXX years ago as I was encarcerated at the time this happened they said they would investigate it and it got taken off and its back on again and this account is 7 yes old I just want it removed now it only shows on experian and XXXX  not XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX XXXX 30 days, XXXX XXXX 30 days, XXXX XXXX 60 days and XXXX XXXX  90 days to be removed. 
They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, & Equifax continue to report inaccurate information on my consumer report. My name is XXXX XXXX my address is XXXX XXXX XXXXXXXX XXXX XXXX, MI XXXX there should be no other names or address listed on my consumer report. You do not have authority or permission to report any other information other than whats above. My employer is XXXX XXXX XXXX and thats the only employment that should be listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Until XXXX I had a checking, savings, and credit card through Bank of America. I was informed that my account was frozen due to accusations of fraudulent activity. The accusations were that fraudulent checked was attempted to be deposited in my account and then waithdrawn at a ATM machine. I informed the risk department at Bank of America that it was not me and my card had been stolen at a bar. The decision was then made to close all accounts by the bank without any investigation being done. I was then notified by XXXX bank and multiple others that I am unable to open any accounts due to Early Warning System placed by Bank of America. Every ATM has Camaras to show who every transaction if a investigation was done that would have proven my innocence.
Product: Mortgage

For more than a year I am trying to find a loan to pay off SLS since they have refuse to make a loan modification or continue making payments, I have tried to refinance and they refused to provide information the underwriter have requested to process the new loan. I am trying to refinance with another lender they requested XXXX mortgages statements and the pay off. The last mortgage statement shows {$52000.00} dollars and the pay off is almost {$100000.00} dollars. 
I do believe that this is a scam and a sort of a predatory lending to make harder and harder for me to find a refinance to pay them off If I don't close a new loan by XX/XX/XXXX. they threaten me with a foreclosure sale on XX/XX/XXXX. even though I have a XXXX XXXX XXXXXXXX as a first lien.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against Equifax for Failing to Properly Investigate and Report Information, Violating Consumer Rights To Whom It May Concern, I am writing to formally file a complaint against Equifax regarding their improper handling of my credit report and the violation of my rights as a consumer. Specifically, Equifax continues to reflect a charge-off account from XXXX XXXX that should have been removed from my credit report after a thorough investigation by XXXX determined that the information was inaccurate. 

To begin, I would like to note that XXXX, after conducting a comprehensive investigation, found discrepancies with the XXXX account and concluded that it contained inaccurate information. Based on this determination, XXXX removed the account from my secondary credit report. However, Equifax did not follow suit and continued to report the account on my credit file despite the clear findings from XXXX that the account was problematic. 
Equifaxs failure to conduct a proper investigation is an outright violation of my rights as a consumer. The account in question was marked as " charge-off '', which in itself is a serious negative mark. Given that XXXX removed the account based on their findings, Equifax has no valid reason to continue reporting this account. This inaction is not only damaging to my credit score but also shows a blatant disregard for consumer protections under the Fair Credit Reporting Act ( FCRA ). 
Further, I would like to highlight that the Consumer Financial Protection Bureau ( CFPB ) has recently taken action against Equifax for failing to conduct accurate investigations into credit report disputes. This reinforces my claim that Equifax is ignoring its legal obligation to properly investigate disputes and update credit reports accordingly. 

I demand that Equifax immediately removes the charge-off account from XXXX from my credit report, as it should have been removed once XXXX determined the information was inaccurate. I am requesting that the CFPB take immediate action to address this blatant violation of my rights and hold Equifax accountable for failing to correct the reporting of this erroneous information. 
I am seeking corrective action in the form of the immediate removal of the XXXX charge-off from my credit report, and I am requesting that Equifax be held accountable for their negligence in conducting the proper investigation. 
Thank you for your attention to this matter. I expect prompt action to resolve this issue. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Called up companies that are reporting negative activity on my credit profile requesting information on the accounts. I havent received documentation however when I dispute the accounts with the credit bureau it comes back as valid. These accounts are not mine
Product: Debt collection

Hello, I have reached out to Receivable Performance several times to remove this collection account. Neither time was this company able to validate it but the account remains on my credit report. When I asked for a signed contract that is required, they were unable to provide it. They have only sent me a bill. This is not what I asked for and does not validate anything. Please have this issue resolved. If a signed contract can not be provided the debt must be removed immediatley.
Product: Credit reporting or other personal consumer reports

Every time I try to log on to Experian it lets me sign in and verifies my identity, however once it time for my information to pop up the system kicks me out and gives me an error message. On my phone or computer. When I try calling directly I never get an answer.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I used the international wire transfer functionality offered by First Tech Federal credit union to transfer {$34000.00} dollars to XXXX. 

I followed up with First Tech Federal Credit union on XXXX and got the reply from them that the wire transfer is on hold with an intermediary pending a declaration form from the beneficiary bank. I passed on the information to beneficiary bank 's representatives and they tried to contact the intermediary bank and according to them the intermediary bank was unresponsive. I followed up with First Tech federal on XXXX, XX/XX/XXXX and got the reply that they are working with their representative at XXXX XXXX XXXX First Tech 's intermediary bank ). On XX/XX/XXXX, First Tech Federal bank informed me that the deadline to affect the transfer has passed and the funds will be returned to me. 

On XX/XX/XXXX my First Tech Federal Credit union account got credited with XXXX USD ( almost XXXX dollars less than what I initially transferred ). I enquired the bank about why that is on XX/XX/XXXX itself and they replied that they are working with XXXX XXXX to get an explanation of what caused the differences. I followed up multiple times ( XXXX and even today ) and have not gotten any replies. The last correspondence I received from the bank was on XX/XX/XXXX. 

This puts me in a position where I lost more than XXXX dollars and I could not get the transfer of money done and I lost XXXX months trying to get this transfer done. The bank going non-responsive and not explaining anything does not help either.
Product: Checking or savings account

On XX/XX/XXXX an unauthorized charge of {$170.00} was issued on my account. I called the bank to see what else had been charged, in total i saw two transactions that didnt look familiar. The {$170.00} charge, and a {$1.00} charge from XX/XX/XXXX that I did not remember. Claim was filed and letter was received saying the transactions were authorized and the claim was closed. I still did not authorize the charges. I lost my wallet, and I told that to the banker on the phone thus they sent me replacements for both my debit and credit cards.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX. I mailed in the packet on XX/XX/year> Priority mail along with obtaining a receipt and XXXX  number ( XXXX XXXX ). Two months have gone by and no word from Experian. The negative data furnishings are still being reported. I decided to call the XXXX  XXXX  hotline for Experian at XXXX and they suggested I upload those documents online because they claimed that they never received the packet. I then went and got new documents with current date and signatures then uploaded and submitted my attestation letter notarized along with proof of the non-governmental organization ( NGO ) certification, Internal Revenue Services ( IRS ) nonprofit documents EIN letter, Derogatory items that are requested to be blocked from the data furnishing reports and the NGO 's contact information. I also included a current utility bill, copy of my social security card and identification ( ID ). Experian has denied my claim without following through with my request to block the derogatory data furnishings without reasonable explanation. I enclosed all the correct documentation that was needed in this process.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA 15 U.S. Code 1681c2 and 15 U.S. Code 1681 consumer credit agencies XXXX and XXXX have violated my rights to have my information blocked as result of identity theft and have failed to report fair and accurate information on my consumer report profile.
Product: Debt collection

XXXX XXXX, XXXX is a client of XXXX XXXX XXXX XXXX XXXX 

On XX/XX/XXXX, XXXX made the following statement about me : "... This account is being serviced by XXXX XXXX XXXX XXXX XXXX An initial demand letter was sent [ to XXXX ] on XX/XX/XXXX, and suit was filed on XX/XX/XXXX. XXXX has actively been avoiding service of the summons and complaint.... Should the consumer continue to have further questions or concerns we invite them to contact XXXX XXXX XXXX XXXX XXXX at ( XXXX ) XXXX. 'XXXX XXXXXXXX 's claim that I am actively avoiding service is false and utterly absurd, for XXXX reasons : XXXX. I told their attorney in XXXX that I would happily come to XXXX 's office to accept service of the summons/complaint in person. However, this never came to pass because of # XXXX below : XXXX. Since XX/XX/XXXX ( more than a month prior to the XX/XX/XXXX statement above ), XXXX have XXXX suspended their litigation against me, including all service attempts*. 

As the attached email succinctly notes : " We are not taking any legal action against you at this time. '' ( The litigation has been suspended pending XXXX 's review of the evidence I provided to them that irrefutably proves the futility of their case. ) Accordingly, I was utterly astonished by the brazenness of XXXX 's false claims against me on XX/XX/XXXX. Making their claims all the more absurd is the fact that I have been desperately trying to move this matter forward with XXXX and XXXX for months now, while Velocity has sat on the matter and has refused to engage ( there are literally dozens of emails that can be provided if need be to prove this ) with me in any way whatsoever. 

I have been contacting XXXX XXXX XXXX since XX/XX/XXXX, urging them to get their client to renounce these false statements, or at the very least for XXXX to renounce the false statements. After all, XXXX 's statement clearly indicates that the information XXXXXXXX relied upon in writing the false statement came from XXXX, the account holder/litigator in the matter. 

As of today, I have heard from XXXX twice since the XXXX but they have so far been unwilling to meet any of my very modest requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX are reporting incorrectly a charge-off in the amount of {$7100.00} on the XXXX XXXX account number XXXX. ( Please see page 2 attached from my credit report. ) This vehicle was in a car accident and the insurance company paid off the remaining balance due and therefore there is no outstanding balance to report and/or charge off. This incorrect reporting of a charge-off is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this, however I have not been successful.
Product: Credit card or prepaid card

The Credit Bureau is reporting inaccurate information on CAPITAL ONE. XXXX FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested multiple times the deletions of the following items on my credit report because of inaccuracies and missing information : XXXX Account # : XXXX Balance : {$410.00} XXXX XXXX Account # : XXXX Balance : {$1000.00} XXXX XXXX  Account # : XXXX Balance : {$250.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # : XXXX Balance : {$520.00} XXXX XXXX Account # : XXXX Balance : {$0.00} MEDICAL ACCOUNT ( 2 ) Account # : XXXX Balance : {$210.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # : XXXX Balance : {$3800.00} My rights as a consumer have been violated under the FCRA because I have NOT heard ANYTHING from the bureaus regarding my disputes and I have sent dispute letters for more than a YEAR at this point.
Product: Debt collection

1. The Plaintiff, for its Complaint against the Defendant, states and alleges as follows : 2. The Plaintiff,  XXXX ( hereinafter XXXX ) is a resident of, North Dakota. 
3. The Defendant, Red River Collections , Inc. ( hereinafter Red River Collections ), is a North Dakota Corporation, with its principle place of business at XXXX XXXX XXXX XXXX XXXX, XXXX, North Dakota XXXX in XXXX County, North Dakota. 
4. This court has legal jurisdiction in this matter.

5. Red River Collections is a debt collector for XXXX XXXX. They allege XXXX owes {$990.00}. 
6. Red River Collections has reported said account as a negative remark on XXXX Credit Reports. 
7. By Red River Collections reporting inaccurate information regarding XXXX has caused Defamation and Financial Injury as outlined in the US Court of Appeals, Ninth Circuit, No. 00-15946, XXXX vs. XXXX XXXX. 
8. Said negative remark has been and is damaging to XXXX credit score. 
9. On XX/XX/2018, XXXX sent a letter to Red River Collections for validation of said account ; NO RESPONSE was received by Red River Collections. 
10. Evidence will show Red River Collections received the letter on XX/XX/2018 at XXXX XXXX 
11. Red River Collections failed to report to the credit reporting agencies the item was being disputed. 
12. Red River Collections failed to abide by Fair Credit Reporting Act Section 623 and Fair Debt Collection Practices Act Section 807 ( 8 ) by not reporting the item as disputed. 
13. They also violated Fair Debt Collection Practices Act Section 809 ( b ), FTC opinion letter Cass from XXXX by continuing collection activity when they sent the Plaintiff a Summons and Complaint on XX/XX/2018. 
14. Red River Collections still continues to damage XXXX credit score by reporting this Innacurate information to the credit bureaus. 
15. Failure to response to said letter violated the Fair Debt Collection Practices Act ( Section 807-8 ) and violated the Fair Credit Reporting Act ( Section 623-b ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$530.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$350.00} ; XXXX XXXX XXXX Balance XXXX : {$1300.00} ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit card or prepaid card

I received a mailing from Chase Bank to applyo for XXXX XXXX XXXX XXXX with an " Invitation-only offer : XXXX Bonus miles. Do n't miss out. Apply by XXXX XXXX, 2017. '' On XXXX XXXX, 2017 I entered the email address to apply at " XXXX '' and began entering personal information and saw that the offer, which is stated in the mailing as " Earn XXXX Bonus Miles after you spend {$3000.00} on purchases in the first three months your account is open '' was redirected to " Earn XXXX Bonus Miles after you spentd {$3000.00} on puchases in the first three months your account is open. '' I called Chase and was disconnected when I inquired. I then emailed, and Chasenever replied. I believe this is fraudulent bait and swtich.
Product: Bank account or service

On Tuesday, XX/XX/XXXX, I received an email from Simple, the company that handles the accounts for BBVA-Compass bank. The email informed me that my prepaid account with them had been suspended because of an outstanding bill in the amount of {$700.00}. This was both perplexing and angering for three reasons of import : ( 1 ) I have never had a bank account with BBVA-Compass, other than this prepaid debit card, and have been unable to find any listing on the two credit reports I checked ; ( 2 ) I am perplexed what that bank has never made any attempt to contact me directly instead of using their surrogate, especially in view of the fact that I have had the Simple card for well over one year ; ( 3 ) I have all the communications I have received from Simple, but nothing from that bank ; I can forward those to you if you so desire. I have subsequently closed that account, especially after being told that I can never, ever again have a Simple debit card account. Any clarification you can discover in this obviously incompetent debacle will be appreciated. For certain, I have NOT had an account with BBVA-Compass Bank, for do I owe it anything ; quite the contrary! Thank you, XXXX XXXX, XXXX, Florida