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

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. 
Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX XXXX XXXX  XXXX, XXXX XXXX XXXX and XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with Experian on XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that these were negative charge off on my credit report. These are disappointing because I have been paying Experian.com to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a charge off that I have never seen before, as well as these incorrect information on my personal profile but still youre not taking any actions. I have never with these account listed below, so please help me remove this charge off account, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in these written request. Please help me resolve this issue as soon as possible. 

PLEASE DELETE THE FOLLOWING FRAUDULENT ITEMS : XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX  XXXX. Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau , and the Better Business Bureau . Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, SSN, and current Utility Bill as verification of my ONLY address.
Product: Credit card

US Bank card is charging under my name but I had no prior knowledge of this account ending in XXXX. 

The account was opened on XX/XX/XXXX No spend on the account until XX/XX/XXXX. 
On XX/XX/XXXX- {$6100.00} was spent On XX/XX/XXXX - Additional {$11000.00} was spent These are fraudulent purchases. I have not visibility into the account as I did not open it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, a mortgage company by the name of XXXX XXXX XXXX ran my credit without my consent and authorization. 

I called the company and they stated they had assumed I had already given consent, which I hadn't. 

I requested they rectify this issue as my credit took a hit due to this inquiry. 
I work very hard on keeping my credit score up and this is simply unlawful.

I have yet to be contacted back.
Product: Credit reporting or other personal consumer reports

Months ago, I have sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I made a {$500.00} deposit and within hours it was taken. Not being the one who did this transaction called it into Huntington bank as fraud. The rep taking my complaint stated that this was at a Huntington bank and it was pin transactions. I explained that I have multiple people helping me and that I have XXXX. He indicated that I would have to testify in court against the people who took it I was in agreement with it. They gave me a temp credit for the {$500.00} but later took it back resulting in my account not having enough funds to pay off my insurance. I cant help it if some one that I know may have took my funds. I was relieved that I was able to see who did this to me. This bank breached contract when they told me I was going to have access to the pictures taken on file. They had no business taking my funds as I told them I only gave permission for the {$500.00} to be deposited. They sent me a letter saying they did their investigation and there was no error. I was challenged by the rep who took my initial complaint. He was already assuming that I was making a fraudulent claim. No one ever said that my card was lost or stolen I simply said it was misused. The rep was supposed to order me a new card but I still have not gotten it.
Product: Credit reporting or other personal consumer reports

I wrote a letter to XXXX, EQUIFAX and XXXX on XX/XX/2024 to dispute this accounts XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX, I stated the inaccuracies appeared on each of this account. I was never late to any of these accounts. I received a letter from XXXX stating that the letter is not from me. I created sent out that letter with my ID 's and some information so how did they verify that it is not from me. They didn't even mark these accounts as being in dispute. Theres a part of the law that requires them to at least update the status of the account and label it as being in dispute. They failed to validate a debt at my request, which is a FDCPA violation and they continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Its clear to me no proper investigation actually took place which is negligence on their part my livelihood is at stake and this inaccuracy is causing me great stress. I will attached the letters that I sent to them and also the letter that I received from XXXX.
Product: Checking or savings account

On the night of XXXX XXXX XXXX I attempted to open a brokerage account with Chase. The online process was halted stating I need a personal product to apply for a Chase brokerage account. At the moment, I only have a Chase business account. I applied for a Chase Personal Checking account with my credit reports frozen as usual. During the process it stated I need to unfreeze my reports. It stated I would need to provide my SSN for verification/identification. It stated that I would receive a SOFT pull on my credit report. Attached are XXXX screenshots showing this is as I stated. Instead, I received a hard inquiry to last XXXX years on my report. 

I called XXXX and they said " call Chase. '' I called the Chase number on the credit report, I was transferred to XXXX. 
The line was choppy so she gave me a direct number and I called again. 
Second agent ( lady ) asked how I obtained the direct number. She then transferred me to credit bureau rep.

The rep kept mentioning a credit card even though I said I don't have a Chase credit card and did not apply for one. He said, " Ok I'll transfer you to card services. '' I asked why when I don't have a card and he said, " That's where my system is telling me to transfer you. '' He transferred me to card services. Card services said they couldn't help because they only work with cards ( huge surprise ) so he transferred me to the credit bureau team again. By now I'm asking every rep who transfers to please make sure I'm going to the right place. 

Want to guess if I was in the right place? Well... I was then transferred to the regular Chase customer service by the credit bureau rep who promptly stated he couldn't help me. I explained the horror I've type thus far and like the XXXX previous reps he stated " no worries, I'll call a branch and speak to the manager directly to make sure you are in the right place and can be helped. I'll explain your situation then pass you off. 
He didn't. 

He blindly transferred me to the XXXX XXXX branch location where XXXX? was clueless as to why I was on the line. By then, I was as exhausted as you are reading this mess. 

XXXX said he would escalate ... maybe they'll get back in a few days, may next week, who knows. 

That leaves me here with the CFPB.I honestly feel like I missed another transfer. It was 30 plus minutes of torture.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experianisrefusingtodisputenegativeitemsonmycreditreport.Theirexplanationisthattheitemsweredisputedoncelastyearandverifiedasaccuratesotheyarerefusingtoinvestigatefurther.Mycredithasimprovedsignificantlyinthepastyearduetoinaccuraciesbeingremoved.IhaverecentlyissuedadisputewithXXXXregardingthenegativeitemsonmycreditprofileandallnegativeitemsandevensomeinquirieswereremoved.
XXXXadvisesmetonotifyeachindividualcreditbureauofthechanges.IcalledExperianacoupleofdaysagoandtheyarerefusingtoreinvestigatethenegativeitems.Experiansrefusaltoremovenegativeitemsfrommycreditreportisbothillegalandunethical.

XXXXwasthesourceoftheirinvestigationtoverifytheitemsduringtheinitialdispute.XXXXhasagreedthattheinformationinmycreditprofilewasinaccurateatthetimeandtheypassedtheinaccurateinformationontothecreditbureaus.XXXXhasrectifiedtheerrorbyremovingthenegativeitemsandeachcreditbureauisrequiredtodothesame.

ShouldExperiancontinuetomaintainthatthenegativeitemsonmyreportarevalid,Iamrequestingwrittendisclosureofthesourceoftheinformation.Pleaseindicatename,date,andtelephonenumberforthesourcewhoverifiedeachnegativeitemonthereport.IamentitledtoreceiveddetailsregardingyourmethodofinvestigationasoutlinedintheFCRA.
Product: Mortgage

Blue Bay Capital redlined the neighborhood where I requested a loan. He also converted private loan into mortgage, but did not offer loss mitigation. The owner initially refused to lend to me because the area was predominantly XXXX XXXX  and had a high crime rate. However, after seeing me successfully sell a home in the area, he offered me a six-month loan. He made me incur unexpectedly high costs upfront. He also gave my agent access to my personal and credit information online. The owner agreed to assist me because my agent was XXXX He then claimed via email that he would help me, but he never released the funds needed to get started. He stalled the loan process until foreclosure. He made it difficult for me to refinance with another lender by withholding the payoff amount. He conspired with a company to have my property demolished, forcing me to obtain a new construction loan instead of a rehab loan. This led to the bankruptcy of my business. Once he discovered the new property values in the area, it became clear that he had always planned to take the property.
Product: Credit reporting or other personal consumer reports

Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've had an issue with all 3 major credit agencies. XXXX, XXXX and TransUnion. I've called each agency personally about alot of debt collection.I explained to them that I did not do any of this and I would like for them too remove all the debt collection on my reports. Ive sent in affidavit letters and police reports letting them know it was fraud.They all refused too assist me with this matter telling me too call all of the companies. I told the agencies this is why I'm trying too dispute with you. XXXX screwed up my account so now I don't have access too my credit file. I was on the phone with them for over 2 hours trying too see why I have duplicate credit files. They claim it was some kind of glitch in there system. Spoke with TransUnion and they also said they have had issues with glitches as well. I'm so frustrated at this point I don't know what else to do but file this complaint with you guys.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX an account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX was obtained in my name without my knowledge. I was made aware after pulling my credit report that my information was used to open this accounts and reported to authorities on XX/XX/XXXX with the XXXX XXXX XXXX XXXX case # XXXX with Office XXXX XXXX badge # XXXX. I have sent this information to XXXX, Equifax, and XXXX who are still reporting fraudulent information on my credit file.
Product: Credit card or prepaid card

On XXXX of XXXX my wife and I purchased a door at Lowes in XXXX NY ( all aspects including installation cost ) for our home, current door needs to be changed plus we had a family gathering was scheduled for XXXX of XXXX. After months of excuse delays, up to and including days of delivery of back of forth with manager ( XXXX ), who exclaimed " what, do you want me to give you a free door '' ; another supervisor and or store employee, " do you want me to go make you a door myself '' This, in an attempt to see if the manager would rush the order and or consider discounting the purchase for the missing delivery multiple times within/by a month. To which He ( XXXX store manager ) replies, '' trust me I will discount it, but you have to take delivery '' I ask what would be the discount %, he refuse to say, at which point, I said forget entire purchase, the discount and refund the account. On XX/XX/XXXX, 2 days after I ask for a refund, XXXX emailed me a scanned copy of refund receipt. To date XX/XX/XXXX, after 3 dispute attempt with Synchrony and over 25 phone calls and emails from Lowes Synchrony Bank harassing me, I am being ask to pay outstanding balance of XXXX due XX/XX/XXXX for a door purchase that I NEVER TOOK DELIVERY FOR. I have saved text, voice message, dozen of emails and it they keep on coming. I want the harassment to stop, I want my account brought current and compensation for the XXXX filled stress of opening my email and seeing call from " Synchrony '', the argument this cause between my wife and I and effect this have on my credit. Please help.
Product: Credit reporting or other personal consumer reports

I am filling complaint and request assistance regarding an issue with XXXX XXXX, a collection account that is adversely affecting my credit report. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and intervene on my behalf to have the XXXX XXXX collection account removed from my credit report. I also ask that appropriate action be taken against XXXX XXXX for reporting inaccurate information and potentially violating consumer protection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account XXXX/XXXX is been on my credit report since XX/XX/2010 almost 8 years and is affecting my credit score. Please remove this old account from my credit report.
Product: Debt collection

Century Financial Services is continually leaving automated messages stating " This is attempt to collect a debt. Call us at XXXX '' without stating who they are calling for. There is no way to reach a live person and I have never heard of this company before.
Product: Checking or savings account

XX/XX/XXXX Came into a chase bank to dispute monthly service fee charges and was shown I had reached the limit for refunds for the year XXXX Called a representative about the reason for monthly service fees and found I met the requirements/was n't violating any policies, so was refunded for XXXX charge but was told I needed to come in to receive a refund the previous months. 
Sporadically through the year I am charged a XXXX XXXX monthly service fee, or a XXXX XXXX  monthly service fee. It is never consistent the dates are below. 
XX/XX/XXXX Came into a chase bank to ask about monthly service fee charge and was told again I didn't violate any policy and was refunded. 
{$12.00} charge - XX/XX/XXXX, XX/XX/XXXX, {$8.00} charge - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Product: Mortgage

I contacted Bank of America to cancel PMI based on my investor requirements. 


I received a letter from XXXX XXXX from Bank of America stating an original value amount mean the same as an amount on an appraisal. 

Im a XXXX XXXX XXXX XXXX for over 20 years. The property was purchased in XXXX. What was paid in XXXX would be the original value not an appraisal from XXXX. 

Make it make sense. 

Below is my investor requirements ; Borrower-requested cancelation of Borrower-paid mortgage insurance based on the original value The table below lists the requirements for Borrower-requested cancelation of Borrower- paid mortgage insurance based on the original value ( as " value '' is defined in Section 4203.1 ) : 1. Cancelation point Based on the original value, the loan-to- value ( LTV ) ratio must be 80 % or less. ( Note : As opposed to the conditions set forth in row 1, Cancelation point, of Section 8203.2 ( b ), there is no required minimum period having elapsed Ive requested to have the name of my investor provided. Ive received nothing but a generic boiler plate document that does not state the name of my investor. 

I requested to receive the written language from my investor stating the terms under which PMI can be canceled. 

Bank of America sent me a generic letter saying an current market value is needed based on my investor requirements. XXXX XXXX sent and email saying an appraisal is needed. 

Neither is correct. My investor does not require a current market value nor an appraisal. 

It looks like Bank of America is just making up things and not complying with the federal investor requirements for my mortgage loan? 

This is terrible.
Product: Mortgage

The Loancare loan servicer has repeatedly " removed '' my application, asked for me to reapply, assigned an alleged " point of contact '' who is unreachable ( XXXX XXXX of contact has only a XXXX number ( and as I write this I have been on hold with Loancare for XXXX XXXX minutes ) and Loancare is now asking for me to resubmit the application. This will be now be the XXXX time that I am applying, since the original application was unceremoniously " removed '' just before XX/XX/2021.
Product: Credit reporting or other personal consumer reports

I was never late on these account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete these late payments. 

I was never late on these alleged late payment from my credit report and update to paid as agreed per USC 15 1666B a creditor may not treat a payment on a credit card account under an open ended consumer credit plan as late for any purpose. 
Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 
Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Mortgage

We have been trying to get a reasonable modification From SunTrust mortgage over past several years. We did pay three monthly installment payments at one time when they approved us for a trial modification period. All payments we're made and had proof of payment for them, but the modification of the loan was " accidentally  cancelled '' by another department at SunTrust and they said they couldn't reinstate the loan. We were no longer elligable for that type of modification for our loan. We were denied several times, then finally approved. This XXXX we were approved for modification of the loan, but because I had questions about how the bank determined the monthly payment of over 3600 dollars a month, no one had an answer. The loan specialist at SunTrust just kept telling me that " they said that you can pay the 33 %! ". No one could telle 33 % of what, our gross income, net income, life of the loan/debt ratio? And would not allow me to speak with anyone else to explain this. So I was instructed to allow this offer to expire ( XX/XX/XXXX) and then enter a new borrowers assistance packet to SunTrust. So I did. The packet was sent on XX/XX/XXXX and again on XX/XX/XXXX. I called on the XXXX to see if the documents were received and was told that they were reviewing the documents and would contact us within 5days if any documents were missing. On XX/XX/XXXX I received a letter in the mail from XXXX XXXX, Virginia sales stating there was a sale date of XX/XX/XXXX for our home. I contacted the bank ( SunTrust mortgage ) and they said there was nothing they could do and they threw the packet out because it was not complete and it was less than 15 days til the sale of the house. 
We did not receive any notification from the bank or XXXX   XXXX regarding the sale date of XX/XX/XXXX before now. The letter from XXXX XXXX stated that notification was sent XX/XX/XXXX via first class mail and Certified mail. We never received a certified letter from them. They were Double Tracking our loan. 
Thank you