23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Bank of America bought our mortgage many years ago from XXXX. We tried to do a mod. in XXXX and were denied. At a later date we tried to do a Mod. with the Presidents home affordable program. After almost a year of more documents needed, loan rep on vacation, wrong documents, anything to string us along they said the only program we qualified for would save us about {$60.00} a month. In the past year of 2014 we were told we missed a payment. We did a trial mod. and still they are saying we are missing a payment. I can never get the same person to talk to. My account manager is also a C S R. I checked my bank records and all payments were made on time, every month! They charge us {$15.00} for a phone payment, {$15.00} for property inspection, Hazard insurance. Mislead, misinform, drag out every attempt to resolve any issue, and make it almost impossible to refinance anywhere else. I WANT OUT OF THIS COMPANY!!!! I filed a letter of dispute with B O A dispute department and asked to check my payment history and either send me a fax detailing the exact payment we missed or send me a clean record and a letter stating such and to no surprise never received a response from them. I spoke to a C S R who said my dispute was denied and I asked her to fax me the denial. Her response was she was not allowed to. I ca n't get anywhere with the lousy company! This is nothing more than hanging a carrot in front of a horse. Very deceptive and questionable business practices. I would advise anyone potentially doing any business with B O A. DO N'T!!!!
Product: Credit reporting or other personal consumer reports

I am writing to express my concerns regarding the information on my credit report, which I thoroughly investigated and found to be unverifiable, invalidated, inaccurate, and questionable. This situation has led to XXXX XXXXXXXX, as your agency did not ensure the 100 % accuracy of the reported items, as required by 15 U.S. Code 1681e ( b ) ( b ) - Compliance procedures for maximum possible accuracy. 
XXXX. This late payment status is irrelevant XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 

According to the aforementioned code, consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of information related to the individual when preparing a consumer report. Unfortunately, the items on my report do not meet this standard. 
Referring to 15 U.S. Code 1681i ( 5 ) - Update of Inaccurate/Invalidated Credit Information , if, after any reinvestigation, the consumer reporting agency finds disputed information to be inaccurate, incomplete, or unverifiable, it is mandated to promptly update or modify that information based on the reinvestigation results. Additionally, the agency must promptly notify the furnisher of the information about any modifications made on the consumer 's file. 
If you are unable to provide verifiable proof within 15 days after your investigation, I request that you update the accounts and/or information on my credit report. 
Thank you for reading my concerns have a great day ahead to all Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As a XXXX XXXXXXXX XXXX, I'm extremely disappointed in TransUnion and their reporting methods. TransUnion has allowed XXXXXXXX XXXX to report a Charge-off to my report for the last 22 months and this is in clear violation of the Fair Credit Reporting Act. 

The information the Charge off is as follows : XXXX XXXX - Account # XXXX - Payment status : Collection/Charge-off. 


The Charge-off TransUnion allowed to report to my consumer report is a violation to the FCRA pursuant to 15 U.S.C 1681a ( 2 ) ( a ) ( i ) of the FCRA, it states the following : ( 2 ) Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; A Charge-off is a transaction related to the line of credit it's attached to.

A Charge-off is an experience between the consumer and the financial institution.

The utilization attached to the Charge-off account is an experience as well because the utilization is attached to my spending experience, shopping experiences, etc.

The FCRA also states, pursuant to 15 USC 1681a ( 2 ) ( B ), the following : ( 2 ) Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; The Charge-off account is attached to an authorization and approval of credit with XXXX 


So with this Charge-off account reporting to my consumer report TransUnion has been in CLEAR violation of the FCRA. Also, with the Charge-off account reporting to my consumer report since XX/XX/2021 is also a violation of 15 USC 1681e ( b ) which states the following : ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

This means when TransUnion prepares my consumer report, TransUnion must make sure that they report information concerning me is reporting with MAXIMUM POSSIBLE ACCURACY! 

In closing, TransUnion has allowed XXXXXXXX XXXX to report this Charge-off to my consumer report since XXXX, XXXXXXXX XXXX which is XXXX months ago. With TransUnion allowing this, they have consistently violated the Fair Credit Reported Act, as stated and described above, for XXXX  months to date. 

I DEMAND THAT TRANSUNION GET THIS IREONUS, INACCURATE, FCRA VIOLATION Charge-off account off of my consumer report ASAP!
Product: Debt collection

Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a wet ink signature of a signed contract with the creditor. I am hereby requesting that you confirm the fact that I owe this debt as required by any applicable state and federal laws. In addition, under the provisions of state and federal Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and related consumer statutes, I am hereby instructing you to cease collection of the debt while efforts are made to obtain verification. Furthermore, any reporting of this matter to credit reporting agencies is premature. Until you have investigated my dispute, you should not relay negative information to a credit reporting agency. I am invoking my specified remedy as a consumer, and the original creditor, I am demanding all of the following : XXXX out the balance on this account, Grant me my title lien free, Pay me all payments made to your company including any down payments from the inception of this alleged debt until the current date. Your next contact with me should be to either notify me that the XXXX has failed to provide verification of the debt and that the matter has been closed. Please confirm that I am not being held responsible for the debt in writing and the above specified remedies has been granted. I expect that you will provide me with all documents relevant to the debt as requested in my Debt Validation Letter submitted to your office via certified mailing and any other data that indicates my responsibility. In addition, you may not contact me by phone at work or at my home about this alleged debt. All future correspondence should be sent to me in writing. You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity.
Product: Credit reporting or other personal consumer reports

I got a car auto loan from this company back in XX/XX/2022. My payments have been on time and I have paid every single time I have needed to pay. Just recently the auto company puts my auto loan on my credit score twice. Its XXXX different companies, but the same exact loan For the exact same amount that I signed for. This has now affected my credit substantially. I have contacted the company, but they are not working fast enough. I am trying to get a rental property and this has affected my credit substantially and I need extra help. On my Trans Union account, they took off both the auto loans which has now dropped my credit score XXXX points in the span of XXXX weeks. Both auto loans are still on my XXXX account which it has dropped my XXXX account XXXX points. I am not sure why they are affecting the credit bureaus differently, but they are. Like I said, I am trying to get a rental property and now I am not able to do that, I have to put it on hold. Because of my credit score dropping. I need to know what I can do for my next steps because this is not fair and it is causing a lot of stress and distress in my life. I have paid in total {$12000.00} to this company regarding this car loan and not taking this situation seriously is disheartening. If someone could point me in the right direction on getting help and how to get this situation rectified I would appreciate it. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act convergent account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE INFORMATION I HAVE LISTED BELOW ARE INACCURATE AND UNKNOWN/ IDENTITY THEFT..I HAVE NEVER DONE BUSINESS WITH THESE COMPANIES OR LIVED AT THOSE ADRESS EVEN MY NAME WAS LISTED 3 DIFFERENT WAYS ON THE REPORT THATS LINKED TO UNKNOWN/FRAUD ACCOUNTS XXXX  and XXXX XXXX THESE ARE INACCURATE SPELLING OF MY NAME THESE ADDRESSES ARE EVEN INACCURATE OR UNKNOWN I HAVE LISTED THEM I NEED THESE REMOVED BECAUXE THEY ARE LINKED TO UNKNOWN ACCOUNTS XXXX, XXXX, TXXXXX  XXXX, XXXX, TXXXXX  XXXX, XXXX, TXXXXX XXXX, XXXX, XXXXXXXX  XXXX, XXXX, TXXXXX   XXXX, XXXX, TXXXXX XXXX, XXXX, TXXXXX XXXX, XXXX, TXXXXX HARD INQUIRIES -NEVER DID BUSINESS NOR RAN CREDIT WITH THESE COMPAINES XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RETURNED THE VECHILE AND THEY SOLD THE VECHILE NEVER SENT THE UPDATED PAYMENT AFTER THE VECHILE WAS SOLD THEY NEVER SENT ME THE REMAINING BALANCE AMOUNT AND NOW THEY ARE REPORTING INACCURATE INFORMATION ON MY REPORT FOR YEARS AFTER THE CAR IS SOLD AND THEY WANT ME TOMSTILL PAY THE FULL AMOUNT WHICH IS FRAUD XXXX XXXX, XXXX # XXXXNEVER DID BUSINESS WITH THIS COMPANY UNKNOWN INFORMATION XXXX XXXX XXXX # XXXX NEVER DONE BUSINESS WITH THIS COMPANY UNKNOWN INFORMATION XXXX  AND XXXX WITHHELD MY CREDIT REPORT YET ARE REPORTING TO XXXX  XXXX AND OTHER COMPAINES INACCURATE INFORMATION.
Product: Checking or savings account

Chime offers Spot me advance on pay my limit is XXXX with a XXXX of XXXX by chime policy. I Requested a increase several times and meet all of the requirements XXXX have XXXX months of reccuring deposit of XXXX, and a XXXX time deposits some totaling even XXXX. It's very apperant that I can handle a larger increase of spot me but chime refuses to increase my spot me with no good reason. I've always re paid spot me!
Product: Checking or savings account

I have an account of US bank and my friend has an account of XXXX. I sent her XXXX dollars through XXXX transfer on XX/XX/XXXX. Money was immediately gone in my US bank account but was never delivered to my friend XXXX account. We tried to ask XXXX but they said they could do nothing. We tried to ask US bank for dispute the transfer, but they have no response yet. We tried to contact XXXX, but can not. Please help me with the issue. I would like to get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas XXXX XXXX XXXX XXXX. I have learned that XXXX claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute letter to delete incorrect information was sent to experian in XX/XX/2023 and I did not get a response until XX/XX/2023.
Product: Debt collection

My good friend for more than 10 years of friendship stole my personal information to rent a house with utilities included to other people. She is a XXXX XXXX XXXX  but she wanted to get extra money so I discovered that she use my information to rent to other people that have no credit history or bad credit and no legal documents. They were willing to pay extra money since they had the money but not the documents needed to rent a luxury apartment. This person use my information and others people information around her to do this type of frauds. I went to the police, reported the fraud and I also call XXXX XXXX and XXXX XXXX I sent them all the proof that I didnt use those services during that time. I also went to the apartment under my name and they stated that I wasnt the same person that use to live in their apartment but everything was under my name. I was on the process to buy my first house and i was ready to qualified but now I have to extend those plans because my credit is not good. I have all the proof this was fraud
Product: Credit reporting or other personal consumer reports

Im Victim of identity theft from XXXX cards, I contacted the EXPERIAN, XXXX, XXXX bureaus and XXXX XXXX to get the information removed from my report, I have uploaded the copy of my SSN, a bank statement, copy of ID an FTC report in order for them to delete the items from my report but, once you talk to the fraud department they become rude when you mention dispute and want to treat me very disrespectfully, dont even let me speak to explain why Im calling, I uploaded them their documents 3 times and they never get it, lastly I sent them certified mail to them so they have no excuse. Ive called them 9 times back to back today, if my issue is not taken care of I will start a legal lawsuit as my family attorney is been suggested me to do.
Product: Debt collection

XXXX XXXX is reporting this as an open account for collections. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear Sir/Madam, I am writing this letter to formally dispute the validity of a debit that your agency claims I owe. According to my credit report the account # is : XXXX. 

1. Verification of Debt : Please provide a detailed written statement of the debt, including the original creditors name and contact information. 

2. Proof of Ownership : I request proof that your agency has the legal authority to collect this debt, including a copy of the assignment or purchase agreement from the original creditor. 


3. Full Account History : I would like to receive a complete account history, including all statements and transactions related to the debt. 

4. Copy of the Agreement : Kindly provide a copy of the signed contract or agreement that demonstrates my obligation to pay this debt. 


5. Documentation of Your Licensing : Please furnish me with your agencys licensing and registration information, as required by state and federal laws. 

Please consider this letter a formal dispute of the debt, and I kindly request that you respond to this dispute in writing within 30 days of receiving this letter. Failure to provide the requested information within this time frame will be considered a violation of the FDCPA. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX XXXX and pay my bills on time and have no negative information on my credit file. XXXX is reporting XXXX score while Transunion is only reporting XXXX which prevents me from getting a XXXX XXXX credit card to get points. 
I am being punished for not having a mortgage or owning property. I gave my assets to my children many many years ago and now live with on of my children. I have no need for a home. Also the reporting is inaccurate since they have a plus side and a minus side which is inaccurate reporting. The plus side says my credit card balances are not to high and the minus side is reporting the balances are too high. I should not be punished for not owning or have a property loan. I feel this is prejudice against me as a XXXX XXXX and should not be allowed. This is preventing me from being able to obtain a credit card that could save me XXXX XXXX XXXX in XXXX XXXX. 
I would appreciate an answer to this issue. 
Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has not corrected the issue they acknowledged and pledged to correct in a previous complaint. Per the XXXX Representative from the attached document for complaint number XXXX : " We indicated that we submitted a request instructing the credit bureaus to reflect this account as Closed ; {$0.00} balance ; Was 30 days late. Once this update is reflected, your credit reporting should no longer show as currently 30 days past due ; however, this update can take 30-60 days from the date it was submitted. We reached out to our Credit Bureau Department and verified the update was submitted to all credit bureaus as of XX/XX/XXXX. We sincerely apologize for the amount of time it has taken and any frustration or inconvenience this process may have caused you. '' On XX/XX/XXXX ( over 2 weeks past the 60 days indicated in the XXXX XXXX response ) I pulled a tri-credit bureau from XXXX yet again at a personal cost of {$30.00}. The negative attribute XXXX had committed to fix by XX/XX/XXXX remained on my report. I tried unsuccessfully, several times, calling the person who in the XXXX response wrote " If you have additional questions, please call me directly at.. '', leaving voice mails with absolutely no response whatsoever from XXXX XXXX . I thought I would give it a bit more time, and yesterday called the XXXX customer service to see if there was a change before I spend another {$30.00} on a credit pull. Unsurprisingly, the customer service rep could find no record of a correction being sent in from XXXX XXXX. 

At this point, unless XXXX is mistaken, it appears XXXX XXXX is knowingly reporting false information on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX and transunion AND FICO CORPORATION REFUSE TO ADJUST ANY OF MY CREDIT SCORES AND ARTIFICIALLY, AND WITH MALICE, DROPPPED MY CREDIT SCORES AT FICO EARLIER THIS YEAR AND ARE KEEPING THEM ARTIFICALLY LOW DESPITE OVER A YEAR OF ON TIME MORTGAGE PAYMENTS, 4 YEARS OF ON TIME CREDIT CARD PAYMENTS, AND NO OTHER LINES OF CREDIT OR PROBLEMS ON MY CREDIT REPORT!! MY SCORES ARE LOWER THAN THEY EVER HAVE BEEN DESPITE YEARS OF ONTIME PAYMENTS AND NO DEBT!! THIS IS XXXX, DISCRIMINATORY, AND DISCRIMNATES AGAINST XXXXXXXX XXXX XXXX PEOPLE, AND XXXX PEOPLE LIKE ME!! FICO, AND THE THREE CREDIT BUREAUS ARE DOING THIS INTENTIONALLY, LIE TO THE PUBLIC, DISGUISE THEIR SCORING MODELS, REFUSE TO CREDIT YEARS OF ON TIME PAYMENTS AND DESTROY PEOPLES LIVES!! INVESTIGATE AND PROSECUTE XXXX, XXXX AND TRANSUNION AND THE FICO CORPORATION FOR THEIR FRAUD AND ABUSE OF THE CONSUMER!! STOP DAMAGING MY ABILITY TO PUT A ROOF OVER MY HEAD WITH YOUR ARTIFICALLY LOW XXXX DISCRIMINATORY CREDIT SCORING MODELS!! YOU DO NOT KNOW HOW MUCH INCOME I HAVE AND ARE ARTIFICALLY KEEPING MY CREDIT SCORE EXTREMELY LOW FOR NO REASON YOU DISCRIMINATORY XXXX  CORPORTATIONS!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Over a period of time I have been contacting each creditor & bureau regarding inaccurate debts reporting to my credit file I have contacted each creditor & bureau regarding them going against the fair credit reporting act section 609 & 611. To my nature the law states that creditors & bureaus are all supposed to report 100 % accurate information in this case they are not. To be more specific these creditors & bureaus are reporting inaccurate debts which is bringing my credit file down tremendously & when I ask for a written response showing the validation from the creditor to bureau I keep getting prolonged or not getting all the information I asked for or they would report another inaccurate date, balances, open account date & then say its validated. 

Credit bureaus XXXX, XXXX, & Equifax have been going against the rules they are supposed to follow & have not been providing me with the proper documentation from each creditors Creditors are updating my file through a computer generated system when I asked for all of the proper documentation showing the accounts they validate I still have not receive the proper documentation & under law of the FCRA each of these accounts reporting on my credit file should be removed. 


I have sent Equifax XXXX & XXXX documents properly showing where everything is inaccurate that they are reporting onto my file even though its right there for them to see. These companies know they are wrong & I am demanding a change I am demanding that they remove these accounts by law or they will get sued for that I have been dealing with this problem for a while now & i am no longer accepting this! 


The companies are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This debt collector has a judgment on my bank account for a debt that I am not aware of or that I dont not believe that I have done business with in the past. I asked for proof of debt proof of an contract that I signed or something that showed the debt belonged to me or what it was for and never received anything expect a notice in the mail stated that my bank account would be garnished.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed a copy of my credit report and show inaccuarte information listed. I filed an FTC report and Equifax has deleted or blocked informtion. I show that Equifax has allowed the creditors to reinsert informtion back on my credit report without my consent and or I have not be contacted which the law states that creditors must send me a wirtten notice with in 5 business day of items being place on my report. This is a direct viloaton of 15 USC 1681 ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.
Product: Credit card

inquiries on my credit report I never applied for : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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