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

I already reached out to the credit bureaus and to BRCLYSBANKDE for the account number XXXX and XXXX and notify them of their error posting for this account. It does not complement what the Credit bureaus may claim as a " validated as accurate ''., and I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I had also requested the method of verification, actual proof, physical firsthand documentation of the payment history and proof of last payment but I did not receive what I asked for and these violations persist on my credit report. I just had to escalate to CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX AV XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX  XXXX XXXX Balance : {$650.00} ; XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

On XX/XX/XXXX we were approved for a loan modification. We were all set and ready to pay on this starting in XX/XX/XXXX. However, since XX/XX/XXXX ( this is when my wife had her XXXX ), she started having some balance and XXXX issues in XX/XX/XXXX/XX/XX/XXXX again and was not able to work much. This caused us not to be able to pay on the loan modification. I sent in new info and contacted SPS ( XXXX XXXX XXXX ) to see able moving/changing the payment dates and they said no. I also sent in new paperwork to see about getting a new trial/loan modification and they said no. 

I have tried again in XX/XX/XXXX and as soon as I sent the paperwork in, they declined this. 

We do not want to lose our home. The issues that my wife had from her XXXX, I would have thought they would have been more understanding, but they were not. 

We are wanting to do everything we can to not file BK. 

Thank you XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX  XXXX XXXX XXXX XXXX
Product: Debt collection

I have never had and credit or service through portfolio recovery. They are reporting on my credit report and I have never done any business with them. They also have an open date of 2017 which is incorrect because I have had no business with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a problem with transunion. They are reporting someone else 's debt under my name. The are using a different social security number and birthday different than mine. I have called transunion on the phone for hours, I have mailed them proof with my passport, utility bill and other supporting documents. They do not want to help me, they sent me a letter saying that I'm working with a credit repair agency and they need to notify themselves first, this is a lie, I am trying to fix my own report, I do not have anyone helping me. I beleive they are just stalling because for some reason they want to keep posting the other person 's collections under my name.
Product: Mortgage

Constant refinance offer harassment. Offering IRRRL refinancing loan options.
Product: Credit card

above points are not applicable. 
Bk. of America issued me a new CC because my No. was misused. 
I had for years " minimum automatic payment " set up. 
When the next payment was due, I did nothing because I trusted the min. autom. payment agreement with BoA. The following month I did the same. 
The total amount was just arround {$20.00} which is the " min. payment amount ". 
The result of this was : BoA reported me for not paying my CC. 
When I complained, they told me : " By law they are obliged to report me etc.. And itwas all my fault etc.. IT WAS MY DUTY TO RENEW THE MIN. AUTOM. PAYMENTWHEN MY CC WAS REPLACED "! 
I assumed of course that it automaticly continues as everything else in my CC contract. 
All my complaints were to no prevail. 
This happened about 2 years ago and my otherwise impeccable Creditreport is stilltarnished today!!! 
I only found out today about your CFPB. This is why I am contacting you so late. 
But I really think that BoA needs to be punished for this! 

Thank you for your time and attention. 
XXXX tel. XXXX XXXX XXXX XXXXXXXXXXXX
Product: Credit reporting or other personal consumer reports

This marks my initial attempt to convey that I've fallen victim to identity theft. I raise concerns regarding certain entries in my documents stemming from this crime. These entries I contest bear no relation to any legitimate transactions I've initiated or authorized, involving no acquisition of goods, services, or funds. If overlooked, I request the removal of any significant information in my credit record associated with suspected fraudulent activities or deceit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

On XX/XX/XXXX, I contacted Quicken loans and spoke to a representative about the possiblity of refinancing my home with them. I DISCLOSED that my Chapter XXXX was discharged in XX/XX/XXXX and if they would be able to assist me with a refinance. I was told " Most Certainly. We could do an FHA loan and possibly let you know your best options, if any others are available ''. I inquired on how I could proceed with the process. They told me I needed to speak with a XXXX  representative as he only represented XXXX  transaction. I was connected with a XXXX  rep to begin the process. My credit was pulled and I was then told I couldn't proceed due to the Bankruptcy. I requested to speak with someone in their customer relations department about reversing the credit pull given they provided erroneous advice that sent me down a path to nowhere and as a resulted pulled my credit impacting my credit score. They said they would investigate. I then spoke with XXXX XXXX ( XXXX ) on XX/XX/XXXX who called me to apologize for the reps misrepresentation but they would not reverse the credit inquiry. They only resolution was an apology and they told me they would address the issue with training their staff ... XXXXSO WHAT ABOUT MY CREDIT! That's so wrong on so many levels!
Product: Credit card

There is a credit card showing up on my credit report which is not mine. I have never taken out a Capital One credit card. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and found multiple fraudulent accounts on my credit report preventing me from attaining credit. I submitted a FTC Identity Theft affidavit that declares the accounts as such. The accounts that are in questions are as follows : XXXX XXXXXXXX XXXX  in the amount of {$2100.00} XXXX XXXX XXXX opened XX/XX/XXXX in the amount of {$1900.00} XXXXXXXX XXXX opened XX/XX/XXXX in the amount of {$13000.00} XXXX XXXX opened XX/XX/XXXX in the amount of {$4100.00} XXXX XXXX XXXX opened XX/XX/XXXX in the amount of {$720.00} XXXX XXXX opened XX/XX/XXXX XXXX XXXX XXXX opened XX/XX/XXXX in the amount of {$1600.00}
Product: Debt collection

Fay Servicing keeps sending me bills for a mortgage I have never had with them before, the only mortgage I have ever had is with my current lender XXXX XXXX
Product: Credit reporting or other personal consumer reports

In my prior complaint, I detailed my inability to access my account for unfreezing purposes. Each attempt at a temporary unfreeze results in an error. Customer service has been contacted, and while verification is necessary, they are unable to verify my identity for unknown reasons. They've stated their inability to assist further and the need for escalation. Post-escalation, I was informed of a potential weeks-long wait. This problem has persisted for months without resolution. It is imperative to address this as I am facing significant losses due to my inability to temporarily unfreeze or take any action within the account. Although I can log in, I am unable to unfreeze the account, perform credit checks, etc. The screenshot I provided illustrates my latest attempt, which resulted in the same error ( note the date and time at the bottom ).
Product: Credit card or prepaid card

Compliant ' As ' XXXX XXXX/Cardmember Services does not have a sense of urgency ' to its Clients '. 

Type of Problem ' As ' potential reported fraud that ' I informed XXXX XXXX/CardMember Services of XX/XX/2018. 

What Happened ' As ' Violations of Civil Disability Rights ' as Witnessed ' in participated needs for public corruption, extortion or solicitation of monies. 

What Company ' XXXXXXXX XXXX/Cardmember Services ( Credit ) XXXX XXXX  ( Debit ) WXXXX XXXX  XXXX, TX ( XXXX, XX/XX/2018 ) XXXX XXXX XXXX, TX ( XXXX, XX/XX/2018 ) Who is Involved, Informed ' ( XXXX ) XXXX XXXX XXXX ( ID Theft, Character ) _ XXXX XXXX XXXX Request for Determination US Attorney Office XXXX , TX_ XXXX Corporate Upper Leadership
Product: Mortgage

I seemed to have misplaced my old mortgage information for the address of XXXX XXXX XXXX, XXXX CA XXXX. I am hopeful that JP Morgan Chase can assist since the loan was through them and paid off in full. I am wanting a paid in full receipt for that loan if possible. I spoke with someone on the phone who was able to locate the loan information, but I am just wanting a confirmation in writing that the loan was paid in full as agreed. The loan was paid in full in XXXX or XXXX of 1993. 
Thank you.
Product: Credit reporting or other personal consumer reports

1 ) On XX/XX/2023, there is an inquiry from XXXX XXXX made to all 3 majors XXXX XXXX XXXX against my report file. I never had nor have i ever initiated any type of credit account with XXXX XXXX. 
2 ) On XX/XX/2023, an XXXX was placed by XXXX XXXX XXXX to my XXXX credit file. 
3  ) On XX/XX/2023, XXXX XXXX was place to my XXXX credit file by XXXX XXXX. 
4 ) On XX/XX/2023, an XXXX was place by XXXX XXXX  XXXX to my XXXX credit filefile. 
5 ) On XX/XX/2023, an XXXX was placed by XXXX XXXX XXXX to my XXXX credit file.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. XXXX / XXXX XXXX Balanced {$XXXX} XXXX XXXX XXXX Balanced {$XXXX} XXXX  XXXX Balanced {$XXXX} XXXX XXXX Balanced {$XXXX} XXXX XXXX XXXX Balanced {$XXXX} XXXX XXXX Balanced {$XXXX} XXXX XXXX XXXXXXXX Balanced {$XXXX} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXX/XX/XXXX
Product: Mortgage

I received a payment deferal workout solution letter stating my first payment will be due on XX/XX/2024. So I did not make my XXXX mortgage payment. However it turned out loss mitigation made a mistake, they could not defer XXXX payments and called me on XX/XX/2024 to collect XXXX and XXXX mortgage payment to bring my account status back down to 12 months delinquency to further process my payment deferral.
Product: Debt collection

My Children place card, I open an account with from XXXXI have made purchases with this card from that time until XXXXNow all this time that I have all ways make my payments on or after, but I always make my payments on the account. My last purchase on the account was late XXXX or early XX/XX/XXXX for a boy Slippers for a vacation again I payed which would be the last time I used the card.Sometime in XX/XX/XXXX I started receiving payments statements from Children Place for purchases that was made on the card, I call customer service and let them know that I didn't make these purchases and close my account the card also which they assured me they did.After that I started getting calls about making payments, I kept getting purchases statements. I called and spoke to again someone different about what's going and they told me that are doing an investigation after they finish with it they will contact me. Someone contacted me some time in XXXX or XXXX I spoke to a lady, she was saying trying to figure out how I am going start making payments I told that I am not making no payments cause I did not make.going back and forth with she let me know that card was being used in a another state which I never been to. How I live in New York I have felt New York. Now am still getting still statements and they calling threatening from payments that I can't pay. I need help cause my information was stolen and used.and they won't calling me the XXXX XXXX was rude and that I need provided more proofs which I don't have all my proof is in my payments and how I purchases and used the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out 2 notices of BILLING ERROR and questions related to BILLING ERROR NOTICE The first was XX/XX/XXXX and the second was XX/XX/XXXX. As a result I was sent COPIES of my statements for answers to questions stated on both BILLING ERROR NOTICES. I received these NON VALID correspondence to my notices past the 90 days at most, allowed under the FCBA. The COPIES of statements do not constitute proof under the LAW! There is no longer an agreement. There is no longer a contract. The alleged contract is null in void based on the lack of proof of verification and aquiescense to the new terms of agreement.
Product: Debt collection

This attorney representing XXXX XXXX sued me at an address where I no longer live. The venue of the lawsuit was in XXXX, California about 30 miles from where the lawsuit was served where lived five years ago ( XXXX XXXX ). The summons and complaint was then mailed to that address which was forwarded to a relative 's address. No one was personally served. I only found out about the lawsuit by looking up the case on the court website. Thankfully I filed an answer in time even though I don't even live in the country any more and I am traveling a lot. This lawsuit should have never been considered properly served and the venue is incorrect as it's not even close to where I live.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX, has violated my rights. 

XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 section A Section 2 : it also states a consumer reporting agency can not furnish an 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 reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is showing I have  XXXX  accounts in collection status with  XXXX   XXXX   XXXX   XXXX .      XXXX   XXXX   XXXX  has submitte d 1 d eletion request for each of the  XXXX  accounts and I have copy 's of all  XXXX  letters. I have also mailed via  USPS  the deletion letters as well as uploaded them to Equifax.     Equifax refuses to remove the inaccurate accounts from my credit report. This has been over the course if of two months with multiple phone calls, emails, mail requests from myself and the original creditor. as well as online disputes.     This needs to be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX our vehicle was deemed a total loss. Credit acceptance was to provide the payoff amount so the loan could be paid in full. After they provided the payoff to XXXX, there was a remaining balance because of the cancelled automatic payment ; this was I unbeknownst to us. I received no notification that our payment wasnt processed until it was reported as late on my credit report. I called and spoke with them to understand what occurred. 

After speaking with them about the cancelled payment. XXXX XXXX informed us that they changed the company who was providing their payment processing while we had a pending payment in queue to be processed. This change in payment providers resulted in an automatic cancellation of our scheduled payment. 

These 2 occurrences were out of our control. We were not at fault for the accident or the late payment but, are being penalized for it. 

My credit score dropped to an unsatisfactory range and I am no longer eligible for a home loan.
Product: Debt collection

The debt collector, ERC, claims that I owe {$200.00} from XXXX XXXX XXXX XXXX. This continues to impact my credit score monthly. I have asked them to provide documentation from the original creditor about this debt and have not received any. This account was closed and the amount was charged off over 3 years ago.
Product: Checking or savings account

Hello, I had a checking account with Bank of America. On XX/XX/2018, I received a text message on my cell phone that there were some transactions in my checking account that were suspicious, So I contacted Bank of America Customer Service immediately and reported to them that all these charges were fraudulent I did not make those charges nor did I authorize them as I noticed these fraudulent charges in my Checking account when I logged on to my account. I always keep my debit card in my wallet with me, so there is no chance of anyone getting their hands on it without me knowing. When I reported these charges to BofA, the woman who I talked to didnt give me very clear information about what was going to happen, except she told me that she set up a claim for the charges. Therefore, I went to BofA in person to talk about where to go from there. I talked to a man named XXXX XXXX in a XXXX branch, who gave me some more information. I set up another claim on another fraudulent charge made to my account, and he told me that I would get temporary credit in about ten business days. After I waited about ten business days, I still got no temporary credit. Please look at the letter I wrote to BofA that is attached for details. I also went to a XXXX branch and spoke with XXXX XXXX multiple times who assured me that I would get credit for all the fraudulent charges which amounted initially to {$700.00} and to which were added more fraudulent charges even after the 2 claims were filed and finally they closed the account when the total fraudulent charges were over {$1100.00}. Then I also filed a police report with officer XXXX XXXX ( # XXXX ) at the local XXXX Police Department providing them with all details, a copy of which is also attached with the letter to BofA. 

I was not aware of the Consumer Financial Protection Bureau until recently when a friends father mentioned about it. So I am writing this letter requesting you to help resolve this issue. I am a student and it was my hard-earned money. I never expected such fraudulent activities could happen with Bank of America and that being such a big company they would not take any responsibility or accountability in this matter and not give my money back. 

I would greatly appreciate if you could help me get my money back from Bank of America. 

Thank you so very much. 

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

Covington Credit World finance corporation Both items were unauthorized and by law they need my permission to put thing on my credit report!! According to FCRA section 605b, it is illegal to report information on my credit report without my permission thank you!!
Product: Debt collection

I have received daily phone calls from a company called USI Solutions , Inc. Their address is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX , PA . They claim that I was paying on a debt that was being collected by a previous debt collection company, almost a decade ago. And that the other company went out of business without me having paid off the debt, which was originally owed to XXXX. I do not owe a debt to XXXX and have no memory of ever having an outstanding debt with XXXX. 

I sent a letter to USI Solutions informing them that I am disputing the debt. The letter was mailed as a Priority Certified mail parcel, XX/XX/XXXX and arrived to the post office in XXXX XX/XX/XXXX. So far the post office is saying that no one from USI Solutions has  attempted to pick up the mailed letter. 
I believe this is intentional and that they are not picking up the letter, as then there would be evidence that they had received the dispute letter. I suspect that they will wait a significant period of time to retrieve the letter, so that they can claim that it was received outside of the 30 day window. 

Now they have started calling my wife in addition to calling me. 

The Account # USI Solutions assigned to me was XXXX, and they stated that the original account from XXXX was XXXX.
Product: Checking or savings account

Today a thief gained access to my account by making ATM withdrawals from a XXXX in XXXX, GA. They got away with {$800.00} of my XXXX  XXXX money. I can not pay my mortgage. I disabled the card, reported it to the bank, and made a police report. 

My issue is when I called Chime/XXXX a supervisor, XXXX, was rude and dismissive. The bank can not tell me how an ATM withdrawal was allowed without using my card or my PIN number. NO ONE knows my PIN number so even with the card number I dont understand how this was possible. I was told I would have to wait to have my funds returned to the account but XXXX would not provide a timeframe for completion. I asked to speak with a manager over XXXX and the Chime employee told me he had no boss and signed his own checks. 

I am a XXXX Veteran and the money stolen was my XXXX  XXXX check to pay my mortgage and bills. I need my money returned and a explanation on how the thief got access without my PIN number. 

This company has received hundreds of similar complaints but no one seems to be doing anything to stop them from this illegal activity. If someone can access my account from an atm without a card or the PIN number how can one ensure the funds are secure.