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

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX NC XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) 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 CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly.

They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS?

I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXXXXXX 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

my credit report is inaccurate across credit reporting agencies XXXX and XXXX. They are showing a bank of america card, XXXX  XXXX XXXX, and XXXX that have confusing information. I demand that this be investigated and deleted from my credit profile across all bureaus do to inaccurate information.
Product: Credit reporting or other personal consumer reports

Subject : Illegal Furnishing of Collection Accounts and Harassment by Multiple Companies To Whom It May Concern, I am writing to file a formal complaint regarding the unlawful furnishing of collection accounts on my credit reports with XXXX, TransUnion, and XXXX by the following companies : XXXXXXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX These companies have engaged in actions that have had a detrimental impact on my credit profile and financial well-being. 

I believe that these companies have no standing status within the state of South Carolina, where I am a resident, to pursue collection activities against me. Their actions amount to harassment, and I demand that they provide the correct information pertaining to their surety bonds, which proves the validity of their business affairs in South Carolina. 

I kindly request that the Consumer Financial Protection Bureau take immediate action to investigate these companies and ensure they comply with the necessary legal requirements in South Carolina. I further demand that each of these companies provide the requested information within 48 hours of receiving this complaint. Failure to do so will leave me with no choice but to pursue legal action against them for their continued harassment and violation of my rights as a consumer. 

I appreciate your prompt attention to this matter and trust that the Consumer Financial Protection Bureau will take the appropriate steps to rectify this situation. Please feel free to contact me at [ your contact information ] if you require any additional information or clarification. 

Thank you for your assistance in addressing this serious issue. 

Sincerely, XXXX XXXX
Product: Mortgage

I own a home that is in foreclosure and wells Fargo holds the note.The bank agreed to a short sale postponing a bank sale date.My real estate agent contacted the bank ( wells Fargo ) with a contract to sell the home ( wells Fargo ) never responded and now there is another sale date set how can this be when all along they have agreed to a sale and without notice they have changed course and left us with a unproductive result and a sign contract for purchase they were agreeing to.
Product: Debt collection

Debt does not belong to me and after research I have found ( FCO ) Fair Collections and Outsourcing does not have License to collect in my state which is Florida
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report, I wanted to make sure everything is 100 % correct and accurate. Can you investigate the accounts listed below. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX Reinvestigate the completeness of every piece of information its not accurate, please remove if from my credit report. 

XXXX XXXX XXXX XXXXXXXX Reinvestigate the completeness of every piece of information its not accurate, please remove if from my credit report. 

XXXX XXXX XXXX XXXX Reinvestigate the completeness of every piece of information its not accurate, please remove if from my credit report. 

XXXX XXXX XXXX XXXXXXXX Reinvestigate the completeness of every piece of information its not accurate, please remove if from my credit report. 

XXXX XXXX XXXX Reinvestigate the completeness of every piece of information its not accurate, please remove if from my credit report. 

XXXX XXXX XXXX XXXX Reinvestigate the completeness of every piece of information its not accurate, please remove if from my credit report. 

XXXX XXXX XXXX XXXX Reinvestigate the completeness of every piece of information its not accurate, please remove if from my credit report. 

XXXX XXXX XXXX the completeness of every piece of information its not accurate, please remove if from my credit report. 

XXXX XXXX XXXX the completeness of every piece of information its not accurate, please remove if from my credit report. 

XXXX XXXX XXXX Reinvestigate the completeness of every piece of information its not accurate, please remove if from my credit report. 

XXXX XXXX XXXX XXXXXXXX Reinvestigate the completeness of every piece of information its not accurate, please remove if from my credit report. 

XXXX XXXX XXXX the completeness of every piece of information its not accurate, please remove if from my credit report. 

XXXX XXXX XXXX Reinvestigate the completeness of every piece of information its not accurate, please remove if from my credit report. 

XXXX XXXX XXXX Reinvestigate the completeness of every piece of information its not accurate, please remove if from my credit report. 

XXXX XXXX XXXX Reinvestigate the completeness of every piece of information its not accurate, please remove if from my credit report. 

XXXX XXXXXXXX XXXX XXXXXXXX Reinvestigate the completeness of every piece of information its not accurate, please remove if from my credit report. 

XXXX XXXX XXXXXXXX Reinvestigate the completeness of every piece of information its not accurate, please remove if from my credit report. 

XXXX XXXX, XXXX XXXX Reinvestigate the completeness of every piece of information its not accurate, please remove if from my credit report. 

XXXX XXXX, XXXX XXXX Reinvestigate the completeness of every piece of information its not accurate, please remove if from my credit report. 

XXXX XXXX XXXX XXXXXXXX Reinvestigate the completeness of every piece of information its not accurate, please remove if from my credit report. 

XXXX XXXX XXXX Reinvestigate the completeness of every piece of information its not accurate, please remove if from my credit report.
Product: Mortgage

The home insurance and property taxes figured in at closing have not increased however Stearns lending is showing a shortage on the escrow account after trying to force their own Stearns XXXX XXXX policy on the account. After the account was reimbursed for the unneeded/ fraudulent home insurance policy ( a separate policy had already been paid for in full at closing XXXX, there was a sudden shortage on the escrow account. My closing documents show that {$3800.00} was the escrow property costs at closing. The Stearns website shows that the required escrow amount is {$3800.00} which is a difference of {$27.00} but my required escrow payment went up $ XXXX month. I have contacted them several times ( Ticket # XXXX & Ticket # XXXX ) but no one will return my calls/ emails.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the fraudulent accounts and inquiries listed below from my credit report. As a victim of a data breach, I have confirmed that these accounts and inquiries were opened or initiated without my authorization. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I respectfully request their immediate removal. 
Fraudulent Accounts : XXXX - XXXX - XX/XX/XXXXXXXX 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 XXXXXXXX UNAUTHORIZED COLLECTION - XXXX - XX/XX/XXXX - XXXX XXXXXXXX Fraudulent Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I filed a dispute on XXXX XXXX XXXX XXXX XXXX XXXXXXXX due to the poor investigation and not getting back to me about the investigation. Experian denied to follow up with investigation.I recently was notified that CFPB has filed a lawsuit against the company ( Experian ). They alleged the company of accepting unreliable information, failure to notify customer dispute results.This aligns well with my situation! Experian has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting a house, car, and etc. Experian violates my rights asa consumer, as well as federal laws.
Product: Mortgage

Bank of America N.A . is the servicer of my mortgage. A year ago I removed my ex-wifes name from my mortgage using a qualified assumption through Bank of America. Ever since the qualified assumption has been performed, I have been locked out of being able to access my mortgage via online resources. I have a savings account, checking account, and mortgage through Bank of America, and before the assumption, all my accounts were linked through my overview page and could be access from XXXX spot. Now every time I try to access my mortgage I get an error message that states " Due to a technical issue, we are temporarily unable to display Qualified Assumption loan details in Online Banking. Your monthly statements and your annual tax statement will be issued via XXXX mail and payments can be made via the banking center, over the phone or mailed in. We apologize for any inconvenience this may have caused. Please call XXXX for account information. '' I have called Bank of America multiple times to try and resolve this issue. Every time, I spend hours on the phone, get bounced around from department to department, and ultimately am just told " This is because an assumption was done. Give it a few months, you will have access again. '' I still am not able to access my mortgage account via my online banking center, and I realize this might be viewed as a minor inconvenience, but it is deny me my access to the information regarding MY home loan, and I now have to rely fully on the US postal service for my payment options. If for any reason my payment check should get " lost in the mail, '' I am unable to just log into my account and pay my mortgage as I used to be able to do. 

I feel silly turning to a regulatory agency to try and resolve such a simple issue, but I have been given the runaround by Bank of America numerous times, and have wasted hours of my time talking to various agents and departments with no resolution yet. A mortgage is a VERY serious financial decision and it is very disheartening to see that the very large banking institute that is in charge of my financial future can not even fix a SIMPLE problem and restore my online access to my account.
Product: Credit reporting or other personal consumer reports

Equifax, XXXX, and XXXX all claim they verified my backruptcy from the courts and the court stated that they don't verify bankruptcies to the credit bureaus.
Product: Debt collection

XXXX keeps calling me acting like they are process servers and saying they are coming to serve me at my job, I will be arrested at my home, my wages will be garnished, they will tell my job about my debt. they also said they will tell my references about my debt. they have called with a man pretending to be an investigator. he left a message with a " legal case '' number to call back with. they are also trying to collect twice what is owed, and speedy cash is still trying to collect the original amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 

5. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX Account Number : XXXX Delete this account. 

6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

12. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

13. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

14. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

15. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Debt collection

Sleepys/Mattress Firm loan for mattresses purchased in XXXX  by my then husband, XXXX XXXX XXXX XXXX XXXX referenced number XXXX XXXXI, XXXX XXXX XXXX XXXX had nothing to do with that purchase. I for this seven year period have requested, to no avail, verification of my signature on the loan application. I believe the woman sales person worked with XXXX to put my name on that loan. I was not provided that information. My name and vital information was given without my knowledge or permission at the time of purchase. XXXX and I were still married at that time, and I was aware of the purchase. We shared the payment of the monthly bills. I made payments with my checking account for XXXX while unaware that my name was on that loan account with Sleepys/Mattress Firm . I gave him the check and he mailed the payment. I now know why he did not show me the payment stub, bill or mailings. It was because he did not want me to know that he or the salesperson put me on that loan without my permission. I have been fighting this for seven years!! We divorced shortly thereafter ; and he stopped paying the loan knowing my name was on it and I would be responsible. That was the type of person he was. He is now deceased ; and I'm still trying to get the charge off from my credit report. Please help me. Thank you, XXXX XXXX XXXX
Product: Debt collection

I disputed a charge of {$3600.00} placed on my credit report by XXXX XXXX XXXX. The amount, which I understand is supposedly owed for rent from XX/XX/XXXX through XX/XX/XXXX, is both inaccurate and unjustified, as I was no longer residing at the property during those months. 

I moved out of the apartment on XX/XX/XXXX, due to severe health and safety concerns, including mold and a roach infestation. I had previously informed the XXXX XXXX via email on XX/XX/XXXX, that I would be vacating the unit by XX/XX/XXXX. However, I moved out earlier and returned the keys on XX/XX/XXXX. I made sure to pay the full rent for XX/XX/XXXX, and therefore, I should not owe any rent for the following months. 

After I disputed this amount with the XXXX XXXX, they informed me that XXXX XXXX XXXX had " verified '' the debt, which is inaccurate. I contacted the new Apartment XXXX, who indicated that she had no access to previous correspondence but noticed discrepancies in the information sent to collections. She advised me to have the collection agency reach out to XXXX XXXX directly. However, when I contacted the collection agency, they informed me that they do not communicate directly with apartment complexes. I have been given the complete runaround, and it appears the incorrect debt is still being reported.
Product: Vehicle loan or lease

Morning To whom it may concern : My name is XXXX XXXX, I have lease not ones before from same institution before, but all my loans have been same institution for many years. So I have a question and hope is a valid XXXX. 

My Payments are do on the XXXX of each month, so I have try to write to the financial institution one twice XXXX times and many mores, My question is simple, my month start on the XXXX of each month, so that been said from XX/XX/2022 to XX/XX/2022 it is a month correct, that institute my month and my agreement when the changes were made correct. 

So each month I also have a XXXX dats, period extra to make the payments correct, Now also when I'm over the the XXXX days, is about a fee of {$40.00}, need to be paid, so if the {$40.00} dollars are over XXXX days still don't constitute a full payment of a the principal correct. 
So the principal each month is {$380.00} of the loan, therefore the late fees is place or move to the back of the loan, and at the end of the lease it should be paid in full correct, so XXXX XXXX, should this be reported to credit buraus as late payment from principal?
Product: Debt collection

XXXX XXXX continues to report XXXX collection accounts from a XXXX XXXX that are not my accounts. I contacted a number that is listed for a XXXX XXXX on the internet and was unable to confirm that there are no accounts of this nature existing due to the faulty contact.
Product: Credit card or prepaid card

I used my XXXX bank credit card to pay off a XXXX XXXX XXXX Credit Card at Comenity Bank. XXXX processed the transaction on XX/XX/2022. As of today, XX/XX/2022, the payment has not been processed at XXXX Comenity Bank. I called today and they said it may be processed tomorrow, which will be two weeks since the payment was made or it could take up to 5 business days after tomorrow. I know they received that money on XX/XX/XXXX and they know they received that money on XX/XX/XXXX, so to act as if they did not receive it is an insult to me and every other customer they are doing this too. Now, all of my credit reports show I have two credit cards with over XXXX  balances, that is wrong. Is this practice legal? I know it is not ethical.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX  and submitted disputes with all Three bureaus. XXXX updated late payment reporting on my XXXX but has refused to update my XXXX or Experian. I have been getting the run around without a response.
Product: Credit card or prepaid card

On XX/XX/2021, I sent funds to a family member using my credit card from Capital One. I immediately noticed that there was a Cash Advance fee of {$10.00} for the transaction amount of {$64.00}. On XX/XX/2021, I paid the amount of {$74.00} leaving a balance of {$0.00} on my card. Later charges were made by me, and what I am noticing is that Capital One has continued to charge me a Cash Advance Interest fee. The explanation given by Capital One customer service reps was that I needed to call in the get a pay-off figure before paying and that the CA interest will continue to accrue at the variable rate of 26.99 % until the balance is paid in full (? ) well it was! is what I explained. 
I have attached a copy of my statement charges. 
I am aware of how they make their money, it's all on high-interest rates and fees, but don't go overboard with it. This is taking advantage of people who are trying to rebuild their credit. 

Thanks for your assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused FinanciaXXXX XXXX and defamation of character along with 60 plus days of no response.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nv XXXX I was just looking over my credit report and founf some adress in accounts that appear to be incorrect and not associated with me. I ENCLOSED DOCUMENTATION PROVIDING PROOF OF MY CURRENT ADDRESS, AS INSTRUCTED TO DO ON YOUR WEBSITE. TO MAKE YOUR PROCESS OF DELETION EASIER HERE IS A LIST OF OF INCORRECT ADDRESSES XXXX XXXX XXXX # XXXX, XXXX XXXX, NV XXXX I WOULD LIKE REMOVED ALL XXXX XXXX XXXX  ACCT NUMBER XXXX IS NOT ASSOCIATED WITH ME XXXX UNDER 15 U.S. CODE 1681E ( B ) (, B ) ACCURACY XXXX REPORT IT SHALL FOLLOW REASONABLE PROCCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURACY OF THE INFORMATION CONCERNING THE INDIVIDUSL ABOUT WHOM THE REPORT RELATES. 
I KNOW THAT UNDER 15 US CODE 1681 I ( 5 ) TREAMENT OF INACCURATE OR UNVERIFIABLE INFIRMATION ( A ) IN GENERAL