23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I sent certified letters to all credit bureaus in XXXX stating I have been a victim of identity theft and highlighted all fraudulent accounts with a copy of the police report included. I received a letter back on the XXXX of XXXX from XXXX stating " XXXX XXXX at this time declines to block the information you have identified ''. On XX/XX/XXXX Equifax stated in a letter " Please be advised that Equifax, at this time, is not blocking information you named in your request ''. I never received a letter back from XXXX. Additionally, I never received a copy of my credit report from any of them. 

I was able to get one account removed from my XXXX XXXX report but then it was sold to a collection 's agency ( in the amount of {$900.00} dollars with another being in the amount of {$440.00} ) that is now reporting it to all bureaus. 

There is also an account with the balance of {$2500.00} that I have been trying to get removed with no luck. I'm receiving multiple emails and calls from them weekly for payments. I started making payments just so it wouldn't keep hurting my credit for missed payments until it gets removed. 

I don't know what else to do other than keep trying to pay off these debts that aren't mine that the credit bureaus won't remove so my credit doesn't keep getting worse. I am currently unable to use my credit and had to give up buying a house because of it even though I had an approval letter for a home before the identify theft occurred. 

Here are the fraudulent debts : XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX Fraudulent Inquiries Made : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I have contacted a lawyer to take more action against all the companies involved. All three credit bureaus, the collections agencies for harassment and the loan agency for harassment as well.
Product: Credit reporting or other personal consumer reports

Account : XXXX XXXX XXXX Acct # : XXXX XXXX XXXX XXXX  account has been inaccurately reported on my credit report as a consumer debt. This account, associated with an administrative support order, is not a debt under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ). This misclassification is misleading and harmful to my credit profile, as child support obligations are not governed by the FDCPA. Consequently, this erroneous reporting violates my rights and has negatively impacted my credit score.
Product: Checking or savings account

On Wednesday XX/XX/2021 I tried to log onto my on line banking for US Bank. It gave me a message that said their was a problem on their end that said username has been disabled. I called on Thursday XX/XX/2021. They said it was because I have a VPN. So for security and fraud reasons they locked me out of my account for 72 hours. They said it would be unlocked in Saturday XX/XX/2021. It was not so on Sunday I tried again. Still locked out I called they sent a request to unlock. Stating I would have access on Monday XX/XX/2021. I went to the bank and the. I called again. Said I would 100 % have access today XX/XX/2021. It is now XXXX XXXX time and I still can not get it. I have joint accounts and us on line to monitor my accounts, as my mother in law is XXXX XXXX XXXX. I need to ensure no one is doing anything with her accounts. And as of right now I am unable to access any of them. I have had a VPN for over 14 months and never had an issue before and now they do? I have this VPN because when I worked for the XXXX I was hacked twice. And I still keep getting emails from very strange people because of it. And I was hacked 3 times through XXXX. So for better security I have a VPN, I am so upset and they could care less and they dont even care if I take all my money out
Product: Debt collection

I am not liable for this debt with XXXX XXXX  and I do not have a contract with I.C. SYSTEM, INC plus they did not provide me with the original application like I asked.

Account No : XXXX Amount Disputed : {$300.00}
Product: Mortgage

My mortgage recently service released to Freedom Mortgage. During that process I was advised by freedom mortgage that my account was late at transfer and my payment has increased significantly and the reasoning for which is not supported as my account is not and has not been delinquent. At this point I want evidence of proper escrow analysis for the duration of my mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus have stated that they have verified a bankruptcy on my credit file as accurate and it was verified with the XXXX XXXX XXXX OKLAHOMA. Which is incorrect. 

I have uploaded the letters that describe the issues I am having..
Product: Checking or savings account

I would like to express my disappointment in Truist bank for now allowing over {$10000.00} dollars to be stolen from my account I would like my money to be returned or I will seal legal action and I will let the public now how prejudice Truist is when it comes to there customers
Product: Mortgage

My mortgage is and Interest only loan, and the payment has adjusted out to {$3000.00} monthly. I 've been trying to modify my mortgage since XXXX  2017. 
My mortgage server changed before the modification process was complete. 
I 've submitted financials and a modification request to Shellpoint mortgage several times. They have given me a difficult time asking for the same paperwork I 've already provided to them. I feel they are giving me the run around and they are trying to foreclose on my home. I 'm requesting a fixed rate mortgage and payment for 30 years. 

Please help
Product: Vehicle loan or lease

On XX/XX/ I applied for consumer credit to purchase a vehicle from XXXX XXXX XXXX XXXX XXXX. and was denied access to my credit. this is discrimination under 12 CFR 1002. also I was also informed in order to get approved, a down payment of {$40000.00} was required. In accordance with Title15 USC 1605, fiance charge is the sum of all charges and does not require a cash equivalent. In a consumer credit transactionI the property will be used by the natural person for personal family and household use. 15 USC 1602, I have a rite to credit. withholding my access to my securities is securities fraud and is in violation of Equal Credit Opportunity Act and Consumer Credit Protection Act.
Product: Credit card or prepaid card

Reported account past due on two occasions XX/XX/2022 and XX/XX/2022 incorrectly. Account payment made and not posted using checking account authorized Provided documentation of company error on 2attemptXXXX and no response or correction made. Filed dispute with credit bureaus and did not receive response within required time
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been doing everything in my power to improve my credit rating. It was going well until roughly XX/XX/XXXX. I noticed a XXXX point drop in my credit rating. I tracked it down to the Kohls credit card that I had opened. 
All my credit cards are signed up with automatic payments monthly. Kohls was the same. On XX/XX/XXXX, I spoke to a customer representative who forwarded me to a representative in the credit card division. I was told that when an account is on auto withdrawal, AND the balance goes to {$0.00} Kohls CC system automatically turns off the auto withdrawal. Naturally I was livid because I received NO NOTICE of this event. 
After this automatic shut off I made a purchase and naturally expected the system to do what it had been doing. Again, I received NO NOTICE of the shut off and fully expected the auto payment to work. It did not and payments were late thus the derogatory mark on my credit causing great damage to it. 
I was so livid and XXXX  that I had to get off the phone as the representative did nothing to resolve the issue. A couple of days later I called back to try and get more information. The representative told me that the auto withdrawal was removed by me on the website. That was a complete lie and I told him so. This went from bad to worse. Honestly, I had been working so hard to improve my credit rating that I had to put this issue aside. It was too XXXX. It wasnt until a year later that I could address this issue. 
This bad mark on my credit had nothing to do with me. XXXXhls Credit is the sole creator ( 100 % ) of this bad mark on my credit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX reported an inaccurate balance of the amount of {$190.00} on XX/XX/year> to XXXX and XXXX XXXX to Experian. The correct balance should be {$0.00} due to the statement balance having a credit of {$5.00}.
Product: Credit reporting or other personal consumer reports

Hello I'm reaching out today because it has come to my attention 2 educational student loan accounts are currently reporting on my consumer report that myself or my parents did not authorize or review before funds were released on my behalf. This is a direct violation of 20 USC 1232g ( b ) under the Family educational rights and privacy act because my parents were not allowed to review the private education records before deciding if they wanted the information to be released to the public. I'm requesting both these accounts be deleted immediately as this is fraud under 12 CFR 1022.3 since XXXX XXXX  and XXXX do not have authority to report these vital records.
Product: Credit reporting or other personal consumer reports

discover card account was closed. the account is listed as charge off for 10 straight months however an account only charges off once and once it was charged off the balance was written off by the company no 1099c was issued or provided and the account is being reported inaccurately on my credit report every month a collection agency is now trying to collect on the account but if they wrote it off how can another company collect on it too. it is not properly being reported anda hasa not been for the lat year. please delete
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my XXXX XXXX XXXX XXXX in the mail dated XX/XX/2022. After reviewing all three Credit Reports with XXXX, Equifax, & XXXX I noticed several fraudulent inquiries appearing on my credit report that I do not recognize. I have not applied for credit for quite some time. I noticed a total of XXXX inquiries that XXXX be connected to fraud. 

I did some research online on how to take care of these fraudulent inquiries, and then I saw some Credit Attorney online explaining how to fill out an FTC ID Theft Report. I submitted the FTC ID Theft Report back on XX/XX/2022. Please see the attached report for your review. These fraudulent inquiries are not mine are having a major detrimental impact on my ability to borrow.
Product: Credit reporting or other personal consumer reports

I am writing to dispute these fraudulent charges on my accounts. I am a victim of identity theft, and I did not make this charge. I am filing this complaint for myself not anyone else. Remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and XXXX the accounts. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it.
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/XXXX I rcvd a new phone ( same phone number ) Had to install all my apps including Afterpay app. I went to get into it and I couldn't remember password so I clicked re set password. Said it will send me access code to phone. We'll it never sends me a code and when I click to say I never rcvd it then it says I entered code wrong and I'm locked out. I've been several emails and I still can't get in to make my payments. Now I'm late. I've asked if someone could call me but I only get another generic email. I talk to my cel phone company and I'm fine on my end. I did receive access codes from my other apps by the way fine. I'm afraid I'll never be able to get In to make any payments and it will ruin my good credit. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to XXXX about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXXXXXX XXXX*Balance : {$9700.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$8800.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX, XXXX & XXXX XXXX Original XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$6800.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( B ) Requirements Relating to Reinsertion of Previously Deleted Material ( ii ) Notice to consumer. If any information that has been deleted from a consumer 's 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. 

( iii ) Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion. 

This account was removed from my report, and then illegally reinserted to my transunion account. In accordance with FCRA I was supposed to recieve a notice within 5 days that this account will be added back to my report. I believe as an consumer this violates my rights as I have once proved I have no knowledge of this account for the amount of {$570.00}.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and identified several unauthorized credit inquiries made by the following companies : **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 XXXXXX/XX/year> I did not authorize these inquiries, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) Section 1681b ( c ) and an infringement on my privacy rights.

I kindly request that you verify these inquiries with the listed companies and provide me with any documentation related to these inquiries that includes my signature. If you are unable to provide such documentation, I formally request the immediate removal of these inquiries from my credit report.

As stipulated by the Fair Credit Reporting Act ( FCRA ) Section 611, you have 30
Product: Mortgage

I recently completed a permanent loan modification with Bank of America. The loan modification was recorded on XX/XX/XXXX by Bank of America ( exhibit A ). Once this loan modification was recorded, a new interest rate of 2 % was registered and my principal was reduced by XXXX to {$200000.00}. In order to qualify this Making Home Affordable aka HAMP modification, three trial payments were required to be paid. These payments were dueXX/XX/XXXX, XX/XX/XXXX& XXXX. After all three payments were made timely, a permanent loan modification was due to be issued as phase two of a two-step process. The trial agreement is a sole and separate contract that leads to the new permanent loan modification contract. Since the permanent loan modification agreement is a recorded mortgage note, it must adhere to the principals of RESPA law. RESPA law requires that mortgage notes move interest collected forward in time, since mortgage interest accrues in arrears. With that being said, since this mortgage note was recorded on XX/XX/XXXX, the first full payment of {$1300.00} be due XX/XX/XXXX. Bank of America has a XX/XX/XXXX payment due date, which obviously violates RESPA law and would affect the TIL mathematical calculations. I spoke to a manager at Bank of America ( XXXX XXXX ) He advised that Bank of America they is still collecting on the trial loan modification payments, even though the permanent modification has been recorded. Per clause 4 ( B ) in the new mortgage note, it clearly states This agreement supersedes the terms of any modification, forbearance, trial period plan or work out plan that I entered into with the lender. Therefore, there is no way to apply the any funds paid on this mortgage note prior toXX/XX/XXXX. Understand also that since this a Making Home Affordable modification deal, the Federal Government compensates Bank of America for economic loss. The mere fact Bank of America is trying to over collect on the debt and also bill the Federal Government is preposterous. The National Mortgage Settlement in XX/XX/XXXXclearly established law relating to bait and switch tactics relating to trial loan modification contract transition. Bank of America was the principal party named on the XXXX National Mortgage Settlement. Moving forward to XX/XX/XXXX, B of A transferred my loan to XXXX XXXX XXXX. XXXX claims that the loan was 90 days past due and had a {$1000.00} negative escrow balance at the time of the transfer. There is absolutely no way the the escrow could have been deficient at the time of the transfer, since the regular escrow payment due was {$320.00} per month and B of A was collecting {$430.00} per month. If anything, I am due an escrow refund from B of A. XXXX also forced me into a forbearance plan that increased my payment {$1400.00} per month, based on the alleged delinquency purported by Bank of America. Overall, I have overpaid my mortgage payments by over {$4600.00}. Since my regular monthly payments are {$1100.00} per month, I have over paid by three full payments plus a credit of {$1000.00}. Since both Bank of America and XXXX claim I am still delinquent, I am seeking your assistance on this matter.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information. Please delete the following accounts : of 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: Credit reporting or other personal consumer reports

PLEASE SEE THE ATTACHED DOCUMENTS INCLUDED WITH MY FTC REPORT 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 Balance : - XXXX XXXX Original Creditor Name : XXXX XXXXXXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX, XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX
Product: Debt collection

XX/XX/2016, a {$440.00} debt was placed on my name and I tried calling the creditor to request for more information or details about this debt but was unsuccessful.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX I recived a inquiry on my credit from Bank of America. I didn't authorize this inquiry and so I disputed it for deletion and I was told to reach out to the creditor. I attempted to reach out to the creditor to get proof of authorization for this inquiry but to no avail. 

On XX/XX/XXXX I recived a inquiry on my credit from XXXX XXXX. I didn't authorize this inquiry and so I disputed it for deletion and I was told to reach out to the creditor. I attempted to reach out to the creditor to get proof of authorization for this inquiry but to no avail. 

On XX/XX/XXXX I recieved a inquiry on my credit from XXXX XXXX. I didn't authorize this inquiry and so I disputed it for deletion and I was told to reach out to the creditor. I attempted to reach out to the creditor to get proof of authorization for this inquiry but to no avail.
Product: Debt collection

I Filed bankruptcy in XXXX of XXXX it was discharged in XXXX XXXX. The account that was not opened by me in the first place in XXXX ( I was stationed in XXXX XXXX GA the account was opened in XXXX, OH ) was placed in this bankruptcy and discharged. As i was checking my credit report in XXXX of XXXX I was checking my credit report for inaccuracies and found that this account has been placed on my account again. I have on XX/XX/XXXX disputed this account with all three credit bureaus. It has been 30 days after the dispute and it has yet to be removed and resolved. The company in question has never once sent me any form of written communication STELLAR RECOVERY INC Account # XXXX ( this is all that was available on my credit report ) Company : XXXX XXXX Date opened : XX/XX/XXXX Amt Owed : {$330.00} XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
Product: Payday loan, title loan, or personal loan

Oracle will not send me by mail a letter stating original loan company, original loan amount, current amount owed and receipts for all of the payments already made to Oracle. Now receiving threatening phone calls by a XXXX XXXX of XXXX XXXX XXXX XXXX XXXX ( he says he 's affiliated with Oracle ). He called me 3x the first day along with calling my employer. Started calling me the next day at 5:57 am.  When I returned his phone call he was rude, threatening me that he was going to tell my employer that I 'm being charged with federal bank fraud ...., every time I speak to him he threatens that he 's going to have me arrested for fraud and take me to court. I have told him 2x that he can not call me at my employment and he continued to do so. I asked him numerous times to provide me by US mail a copy of the debt with original loan amount, the amount owed etc and he gets belligerent and does n't let me complete a sentence saying I 'm trying to still. I was advised by an attorneys office to reach back to Oracle to get some info and they will not return my email or phone call.