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

This is my first CFPB Complaint to inform you that the unverified items listed below still remain on my credit report in violation of Federal Law. The three Credit Bureuas failed to comply with Fair Credit Reporting Act, Section 605b, within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. With this, I am asking for you immediate assistance to correct the account that result from alleged Identity Theft. This is the inaccurate account that I want you to assist me to correct : XXXX XXXX XXXX XXXX Balance : {$10000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting agency act XXXX account # 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.
Product: Mortgage

We obtained a HELOC loan in XXXX against our home at XXXX XXXX XXXX XXXX, MD XXXX. In XXXX the housing market crashed and they froze the account so we could not use it and we have been making payments ever since. In XX/XX/XXXX they said that the terms have changed and that my payment would be {$950.00} per mo. from under {$300.00} for all those years. 
We noticed on our credit report that they changed this from a HELOC to a VISA credit card, ( which i did not want a credit card ). It shows up as an installment loan and it is affecting our credit score. We have worked very hard to get our credit score up and this has put us at a stand still. We can not refinance because our scores are not high enough because of this VISA card. It appears on our report that we have over {$85000.00} worth of Credit card debt, when in fact our credit cards are less than {$5000.00}, when they changed the status of this HELOC it looks like we have racked up cc bills to {$85000.00}. 
This is also a 2nd trust against our home that shows up. How can it be both? They will not let us refinance because they don't do loans in MD anymore. We do not have {$83000.00} to pay this off, this is supposed to be paid in full when our home sells. 
We are a hard working family, and we feel that we are being taken advantage of, all we ask is they change the way they report this, not like a credit card but a 2nd mortgage., we have no problem with making our payments and paying off when we sell but in the meantime, we really need help getting them to change this. 
We thank you in advance for helping and we look forward to hearing back from you
Product: Mortgage

This is a follow up of my previous complaint. wells fargos substitute trustee XXXX was not the original trustee on the mortgage on my home, it was XXXX XXXX XXXX XXXX service wells fargo filed paper work with XXXX XXXX XXXX claiming that XXXX  was the original trustee, thats fraud, the nod was filed in court on XX/XX/year> by XXXX  before XXXX  was even named as substitute trustee they filed their paperwork on XX/XX/year> which is also fraud. I have all the paperwork to prove everything. we had the money to bring the loan up to date and they would not accept it and i have proof of that also. the stole my families home and i want paid for my lose.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or a list of inquiries : 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I sent my letter on XX/XX/2023 asking the credit bureaus to " investigate every piece of information '' on the accounts I have attached. 

According to the FRCA, the term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law? Also, many pieces of information on these accounts are still not reporting 100 % accurate and according to the FRCA 15 USC 1681, everything has to be 100 % accurate. I have attached the credit report showing the inaccuracies and inconsistencies. How have the credit bureaus verified these accounts if they are showing so many discrepancies on fundamental pieces of information such as addresses, date account opened, balances.

I asked the credit bureaus to share their method of verification and validation of these accounts, but they failed to respond.
Product: Credit reporting or other personal consumer reports

To update this suspicious information, I sent a letter to the three credit bureaus. I believe that this account has not been verified in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I shall take legal action against you for this. This was previously incorporated into my last COMPLAINT, and I'm including it once more. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

After reviewing a copy of my personal credit report, I have come across a few inconsistencies. I understand that mistakes may happen, but these types of mistakes are severely damaging to my chances of owning a home. I have researched the dispute process and I am aware that you must complete your investigation within a thirty-day time frame. 
Below are the errors I have identified : XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
Product: Credit reporting or other personal consumer reports

I am reporting identity theft under FCRA 605B ( 15 U.S.C. 1681c-2 ). Multiple unauthorized credit inquiries are being reported on my consumer credit file that I did not authorize, initiate, or apply for. These entries are fraudulent and are the result of identity theft. 

The disputed inquiries include : XXXX XX/XX/year> XXXX XXXX XXXXXXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> I have submitted an official FTC Identity Theft Affidavit ( Report # XXXX ) and am exercising my rights under the FCRA. These inquiries were made without a permissible purpose and do not belong on my credit report.
Product: Credit reporting or other personal consumer reports

I have requested a copy of contract with my signature from JPMCB Card XXXX XXXX, is been 40 days and not response. 
XXXX send me a letter with wrong last name, and is reporting JPMCB Card in my credit report with false information, the creditor closed the account and kept adding extra fees after the account was closed, violated my rights. XXXX is not in compliance with the laws, XXXX sent me a letter staying they need more time, after 40 days of the requesting to delete the false information from my credit report the company JPMCB Card partial acct XXXX XXXX, had closed the account and charge month of exceed of fees, after the closed the account they are not in compliance with the law.
Product: Checking or savings account

I was driving for a XXXX and one of my rider started begging me for money since he had reached his day limit of XXXX and in return he wrote me two cashier checks of {$550.00} each then i made sure the amount of {$1100.00} reflects my account so I gave the rider {$900.00} in cash. on XX/XX/XXXX Chase bank subtracted {$1100.00} from my account claiming that the check were returned or stopped by the issuer. I have attached the copy of the checks, the fraudsters account belongs in XXXX XXXX  their info is on the check. The fraudsters number is XXXX, his name shows as XXXX on the XXXX account. 
If hadn't shown the check has been cleared i would have never given him {$900.00}. if there were no banks I would have never gotten into this mess in the first place. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I registered with a third party company which checks eligibility to apply and get approved for credit cards. Unfortunately they applied for several credit cards from American Express on XX/XX/XXXX and XX/XX/2018 without my consent and because the request was denied I'm left with multiple hard inquiries on my credit report which is affecting my credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, In XX/XX/2022, we were placed on a XXXX forbearance plan that expired on XX/XX/2022. In that time, I applied for homeowners assistance fund that was available through the Florida Department Of Economic Opportunity. My application was approved on XX/XX/2022 and they stated they would distribute funds directly to my service provider which is XXXX XXXX to pay the amount due/past due amount on my Mortgage. Unfortunately, there wasn't a timeframe provided on when they would send the funds. It's been over a month. I've been in contact with XXXX to advise them of this, and they stated my account was protected even though my forbearance ended on XX/XX/XXXX. All they said i could do was stay in contact with them once I advised I was waiting on payment assistance and they are aware that the time varies on when the funds are sent. I called last Thursday and spoke with XXXX on the XXXX as i scheduled a payment for XX/XX/XXXX, to inquire if i should make my regular monthly payment now that my Forbearance ended even though i was still waiting on assistance due to me not wanting a late payment on my credit or my house to go into Foreclosure. I was assured it would not, and was advised to not make any payments until the amount due/past due was paid on my Mortgage by the Florida Department Of Economic Opportunity . I was assured this wouldn't negatively impact me, and XXXX even stated they spoke with their supervisor who even cancelled my payment that was scheduled for XX/XX/2022. Now it is XX/XX/2022, and My XXXX and I both had our credit scores hit and they were dropped XXXX points. I am extremely upset, and i attempted to contact XXXX, XXXX today, and every time i contact the main customer service number, i get told due to high call volume, i need to call back at a later time. Well, i tried multiple times throughout the day at different numbers and can not reach anyone. I finally spoke with my lender directly XXXX XXXX XXXX, who transferred me internally to someone in XXXX, who then transferred me to another person. This whole situation is a nightmare, I just want our credit report fixed, and I want our mortgage protected until the funds are paid on the amount thats due/past due that was promised through the Florida Department Of Economic Opportunity XXXX
Product: Credit reporting or other personal consumer reports

Ive asked the bureaus perform a thorough investigation of the disputes with collections agencies and credit companies. The bureaus wont accurately send me information stating how they completed the investigation and the same results was administered to me without being corrected on my report.
Product: Money transfer, virtual currency, or money service

I tried to link my.pnc account with XXXX  and pnc prevented that from happening
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. Please remove this immediately. 
XXXX  XXXX Bankruptcy Reference # : XXXX XXXX  XXXX Bankruptcy Reference # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Verify This invalidated account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. Verify This invalidated account XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

3. Verify This invalidated account XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 

4. Verify This invalidated account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

5. Verify This invalidated account XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
Product: Credit card or prepaid card

I opened a secure credit card with Capital One credit 6 months ago. This required a security deposit of {$200.00}, which was fine. I was under the impression that at some point my credit score would improve and I'd qualify for a regular unsecured card and I would receive my deposit back. 

Upon calling Capital One to find out when I will get my deposit back, I was informed I would have to close my account to get my deposit back. This is an unfair practice as the closing of this account would negatively affect my credit score. So essencially I have to leave my deposit with them indefinately or close the account and suffer the consequences of a negative score.
Product: Credit reporting or other personal consumer reports

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Prepaid card

BANK OF AMERICA during covid-19 and beyond these times that had everything to do with the funds for unemployment did they and still are to this very day making it and have made it absolutely insane to recover my funds that were wrongful stolen out of my account at numerous times through my time still presently banking with them only on behalf of the prepaid debit account for my unemployment development benefits in california that were being deposited into. 
My times of unauthorized use of transactions, freezing my account for already proven facts of Bank Of America unlawfully denying claims due to unauthorized charges to Prepaid debit card account holders, freezing accounts resulted in many downward affects to my personal life, The Main impact Bank Of America had on my life when they unlawfully denied me access to my own money and not approving the claims I filed upon thousands of dollars that were stolen out of my account .... 
Is my father 's death of XXXX. 
We had to pay for this treatment within a TIMELY FASHION in order to receive this XXXXXXXX XXXX 
And we couldn't pay for this XXXX XXXX with in time before the XXXX completely taking over my father 's life. 
Due to our funds NOT BEING IN OUT ACCOUNT OR ACCESSIBLE WHEN WE NEEDED THE FUNDS. 
YOU CANT PUT A PRICETAG ON SOMEONES LIFE WHEN ALL IS SAID AND DONE
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that Credit Bureaus are reporting inaccurate and incomplete credit information. 
I am distressed that they have included the information below in my credit profile and that they have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 
1. I have never been late with payments on this account. 
XXXX  XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed.
Product: Checking or savings account

XX/XX/2022 XXXX XX/XX/2022 XXXX All from XXXX XX/XX/2022 XXXX Cashier check All taken from my account without my knowing, USAA will not solve my problem and not refund my money. Please help. I can send bank statements if needed
Product: Mortgage

In going through my statements & escrow balance today, it shows that {$1000.00} was sent to my hazard insurance carrier on X/XX/17. The bill for my hazard insurance is {$700.00}. I went through all my statements and the only disbursement is the {$1000.00} - which is incorrect. I contacted Nationstar Mortgage but no one could tell me, or would tell me, why the information showing on my account online is incorrect or why there is no statement showing the that correct amount was paid to my hazard insurance carrier. I also can not see where the {$1000.00} was deposited back into my escrow account and where the {$700.00} was paid - I actually ca n't reconcile my escrow account at all ( it does n't help that there is usually more than one statement per month - very confusing ).

There are also disbursements out of my escrow account each month ( approx {$100.00} per month ) but no description of where that money is going.

No one at Nationstar will assist. I have called several times today and am constantly told that I ca n't talk to anyone who might have the answer. I do n't understand this at all.
Product: Debt collection

Puget Sound Collections is attempting to collect this debt in an unfair and unconscionable manner. I have stated numerous times the debt in question is unrelated to my XXXX accident, and therefore, I wanted to pay this debt immediately. Each and every time I spoke with a Puget Sound Collections representative, they advised me they would not speak to me as I had attorney representation. I have tried to take care of this debt however, Puget Sound Collections will not speak to me about the debt or tell me how much I need to pay to satisfy this debt. These actions are unfair and they are financially harming me. I hereby request that Puget Sound Collections take the following action : 1 ) remove this negative reporting from my credit bureau at once, 2 ) have a manager speak to me about my debt so I can make arrangements to satisfy this outstanding amount ( if the debt is truly non related to accident ). And last but not least they lied to me and my attorneys office stating this would not go on my credit until the accident has been resolved. They spoke with my attorneys office in XXXX 2015 and as of XXXX 2015 it has now been put on my credit report dropping me down XXXX points. I have worked to hard to have the cruel people ruin this. I Have No DEBT Was NOT Even Informed About this bill Until Months after and I have No Clue If IT Was even put Through My health Insurance thats Carpenters union. I 'm beyond upset by this company 's actions. Please help.
Product: Credit card or prepaid card

Approximately in XXXX of 2016 I was notified by Capital One that my {$8500.00} credit card had a balance on it of {$20000.00} at that time I had made a dispute and was told to continue making my minimum payment so as not to mess up my credit after some time I contacted them again and they told me that they couldn't give me an information any information because it was under investigation after some more time I still had not heard back from them so I contacted them to try and find if they can give me any records of anything that occurred and I was giving no information no records or anything else I thought I just had to accept it for what it was and wait about 7 years until hopefully it came off until I ran into a gentleman I was doing work for a couple months ago who advised me that I did have recourse and that's it was the actions that I'm trying to take now
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/XXXX took a loan for $ XXXX 29.95 % Interest rate XX/XX/XXXX took a larger loan for the company at {$12000.00} XXXX 35.99 % interest rate. 

I have paid {$500.00} per month on this loan for a 2 years and my pay off balance is {$10000.00}
Product: Payday loan, title loan, personal loan, or advance loan

I am reporting this company ( Self Inc ) because I just noticed on my credit reports that there is a fraudulent trade line from these people that I never opened. I have never even heard of this company, let alone did any business with them, but yet they have a negative and fraudulent trade line on my credit reports. Ive had a little issue in the past of fraudulent accounts being opened in my name, and Im 1000 % positive this is another one. I have contacted this business just under a week ago to give them an opportunity to rectify this situation, but to no availI want this fraudulent trade line removed from my credit reports ( XXXX, XXXX, & XXXX ) IMMEDIATELY! Or as advised by my attorney, litigation will commence against your company and subsidiaries as follows. This is a chance to make this right here and now. Remove the fraudulent trade lines. As Ive attached an Identity Theft Report As Well, so theee is no excuses.!
Product: Credit card or prepaid card

Saw an ad for the Apple Card  from Goldman Sachs. Advertising is incredibly deceptive regarding impact to credit bureau ( ie hard inquiry ). Nuanced footnote between the notion of applying ( as in filling out the application ) versus accepting the card. I have images I can send.