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

Bank of America gave my Mortgage account to XXXX to service XX/XX/XXXX. I filed XXXX Bankruptcy, Discharged in XXXX. I did NOT reaffirm this debt yet every time Bank of America gives to XXXX  ( 2x now since XXXX ). XXXX puts on my credit report, Currently only showing on XXXX. This is against the Bankruptcy law as Im not responsible for this debt. XXXX blames Bank of America for not giving them the info and telling me I need to request it to be removed which can take 30 days. and Bank of America says they gave them the information. Again this is the 2nd time happening and in the meantime my credit is affected by XXXX points. Not only that but the info given to the Credit report is incorrect. The Credit agency should also be responsible for allowing this to happen a 2nd time.
Product: Credit reporting or other personal consumer reports

Recently I looked at my credit file and found info that can't be verified and info that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are a result of Identity theft and Trafficking! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : Account Name 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 UNAUTHORIZED INQUIRY XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear DataX Inc, My name is XXXX XXXX and I am writing because of some mis-printed information that is being held in your computer system. DataX has interpreted itself as a furnisher of consmers ' financial integrity, under the FCRA. 
Recently, many consumers have been targeted with identity breaches and the hi-jacking of their personal information from many of the outsourced IT and service center vendors, put in use to considerably cut costs on american labor. 
In keeping with this information. I believe your company may have received some of this bad information, including my name and personally identifiable information. 

I received a letter of denial, dated XX/XX/2020, from XXXX XXXX XXXX XXXX on behalf of the creditor : XXXX XXXX XXXX. It was of very amusing shock to me, listing poor credit performance as the principal reason for credit denial. With a score of XXXX. 
I am adamantly rejecting any knowledge of any financial account being held, under my name, in your reporting system. 
This is a final demand to remove from my report, all disputed enties, complete a timely update, noting the removal of entreies, within a new report and send, immediately, the updated report to me at the listed address on this complaint.

I am gong to forward this complaint as well to the Attorneys General office within your home state. 

Loking forward to hearing from you with the updated report.
Product: Credit reporting

I see multiple inquiries on my XXXX credit report I did not authorize.I called the agencies listed and they state they did not run these inquiries.
Product: Vehicle loan or lease

I bought a XXXX XXXX XXXX XXXXXXXX from XXXXXXXX XXXX XXXXXXXX XXXX XXXX NY . XXXX sent a letter over a month ago with important safety information. It states not to use the vehicle it could go on fire. They have no resolution. I put {$6000.00} down & Im paying {$330.00} a month to Sheffield financial. I cant even use the vehicle, I bought it to take care of my property. XXXX has no fix & Sheffield does not have a resolution nor will they reach out to XXXX. Im paying all this money & it sits in my garage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX 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
Product: Mortgage

Dear CFPB,  RE  ;  XXXX  -  XXXX ,  XXXX   XXXX   XXXX ,  XXXX ,  XXXX  I am writing to you because I 'm in the process of purchasing a property thru   XXXX   a division Nationstar Mortgage who accepted my offer on the above property as of  XX/XX/17   .     Even though XXXX  a division Nationstar Mortgage made me pay up front a fee of {$25000.00} just to make an offer on the property my offer was accepted as of  XX/XX/17   .     I received the purchase agreement from  XXXX  a division Nationstar Mortgage who requested for me to sign the documents via  XXXX , at the same time I was assigned to  XXXX   XXXX  who identify her self as the point of contact.     As of  XX/XX/2017    an email was sent to me requesting for me sign the purchase contract which  XXXX  a division Nationstar Mortgage had confirmed my offer was accepted.       Now as of  XX/XX/2017     XXXX   XXXX  email me stating that because of my background my offer was cancelled and they accepted another offer which it was higher from my offer.       At that point I was shocked since  XXXX   XXXX  pretty much told me that because of my background  XXXX  a division Nationstar Mortgage refuse to move forward with my offer even though the offer was already accepted at that point.       I requested for  XXXX   XXXX  manager and she hang up the call, now after calling  XXXX  a division Nationstar Mortgage phone #  XXXX .   XXXX   a division Nationstar Mortgage keeps telling me that they are no longer going to speak to me because the property that I made an offer was already in the process of getting sold to someone else and no manager was available since they were all out of town.     Please please all I 'm asking is for help to stop  XXXX   XXXX  and  XXXX  a division Nationstar Mortgage from discriminating me and my family.       All I 'm asking is to continue with the purchase of my dream home and I feel this is not fair for me and my family.        XXXX   XXXX  Cell #  XXXX
Product: Checking or savings account

My account was restricted in XX/XX/20 and I was told that I could go into a branch on XX/XX/20 and retrieve my remaining balance of {$2500.00} via Branch Manager Override. I notified them that it was an emergency and that those funds were much needed and literally just direct deposited the same morning. The branch manager attempted to withdraw the funds and still had issues overriding the system. This has put me in a extreme emergency predicament, as those funds is all I have and I literally am working paycheck to paycheck. I am very disappointed in Chase bank and its very disheartening.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB. These Credit Reporting Companies have issues being accurate. LCI asked for a police report from one of my prior disputes I mailed in to them. I don't think they have responded to the last complaint that has the letter from the alleged Law firm listed on the Bankruptcy record. 

I do not have a bankruptcy! its very clear that XXXX, LCI, and/or whatever automated method these credit companies are using is inaccurate. Information systems and records are known to be inaccurate and more than 75 percent of credit reports have inaccurate information. They should err in favor of the consumer not the creditors! 

I called the court and they said they do not report to Credit Companies, so how have you been verifying this record? Its an obvious lie. You all have only been doing automated responses from online systems that obviously are known to have inaccurate records. Yet you use it as an excuse to retain the damaging false reports on my credit file. The Lawfirm, and the Lawyer listed on the inaccurate bankruptcy records deny ever having me as a client after they reviewed my identity documents. You can call them and they will tell you also! If you did a proper investigation, you would have learned this years ago! 

I have included the identity theft police report for them along with the documents that prove that the bankruptcy they report on my credit file is NOT mine! If the lawyer and lawfirm confirm that I was NOT the client they represented this should be quickly believed and deleted. Stop being so desperate to make my subprime and sell my data to predatory lenders so they can charge more interest! Delete these records NOW! 

Please move on and stop being so stubborn. You all are wrong for reporting this. Just resolve the issue and keep it moving.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 1USC 1681. 
XXXX XXXX ; XXXX XXXX XXXX XXXX , has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 section 602 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

On XXXX XXXX, I sent a written request via US Mail to **Security Credit Services LLC** asking them to validate the debt they were attempting to collect from me. I requested detailed information about the debt, including : - The original contract, - An itemized breakdown of the amount owed, - Proof of their legal ownership of the debt, and - Verification of any payments that had been applied. 
I followed up with a second written request on XXXX XXXX, asking for proper validation through the court and sending a separate letter via mail, requesting that they cease collection efforts until this validation was provided. 

In response, on XXXX XXXX I received a **stall letter** from Security Credit Services LLC that failed to provide proper validation. Instead of giving me the requested documentation, they continued collection attempts, which is a violation of **15 U.S.C. 1692g** under the **Fair Debt Collection Practices Act ( FDCPA ) **. 

To date, they have not validated the debt, yet they continue to attempt collection and have applied excessive fees that I believe are unwarranted. 

Furthermore, I was not properly notified of the sale of this debt. XXXX did not send me any notification, nor did **Security Credit Services LLC** . The sale of the debt occurred on XXXX XXXX, XXXX, and I only discovered this information through their court proceedings. This failure to notify me and their continued actions without proper validation violate both **federal** and **Texas consumer protection laws**. 

Given these actions, I believe **Security Credit Services LLC** has engaged in **unfair predatory practices** and has failed to comply with their legal obligations under the **FDCPA**.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX, equifax and XXXX about the error on my account multiple times, last time being a letter sent in XX/XX/XXXX and just recently in XX/XX/XXXX. An apartment complex XXXX XXXX XXXX XXXX XXXX XXXX ) exposed me to toxic mold and agreed to not charge me for leaving early if I didn't sue them for the XXXX XXXX XXXX I was experiencing. They still sent a charge of about {$2400.00} to collections. They refuse to show me documentation explaining why these charges are legitimate. It has impacted my credit score since XXXX and has damaged my financial future since as it is the only mark on my credit score and it was my first apartment.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had two late payments on accounts that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included in the screenshots ( which are included inside of this complaint ) on dates of XX/XX/year>. Please investigate and provide proof with statements showing that these payments were late if proof can not be provided I demanded that these payments be updated to paid on time as they should be. Thank you for your time, Please refer to screenshot included :
Product: Checking or savings account

On XX/XX/2022 I went to the Bank Of America ATM to make a cash deposit of {$250.00} then I transferred {$60.00} from my chase account to my Bank of America account next I attempted to withdraw {$300.00} I was denied access of the withdrawal the ATM displayed that this machine is malfunctioning to contact the ATM department. Once I called the ATM department to verify my Identity I was then able to receive my {$300.00}. The Remaining balance was {$10.00} that I transferred back into my chase account. The next day XX/XX/2022 my account was on hold/freeze I went back to that branch of the ATM I had used and spoke with the Branch manager who confirmed that the ATM machine I used have been malfunctioning and experiencing issues and they have put in a work order for it. I contacted Risk and Closure throughout the following days and they stated my account was under review I explained the situation and I was given a date of closure XX/XX/XXXX. XX/XX/XXXX passed I call to insure the closure date and it has moved to XX/XX/XXXX on here it is XX/XX/XXXX I called to confirm the account is closed and my distribution of my funds but instead was told my closure date has been pushed once again to XX/XX/XXXX. Since XX/XX/2022 I have went to XXXX Bank of America XXXX including the one I originally opened my account with they refused to assist me an in any manner that I must wait on a check. I have requested the release of my funds 3 times and have been denied due to still ongoing investigation to no fault of my own for a ATM issue. I have been denied any request or assistance from the bank and department to my account I need access to my funds ASAP as I have bills past due and kids who need medical care.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, My name is XXXX XXXX XXXX XXXX and I am writing this personal statement on my behalf. I discovered that I am a victim of identity theft, and my personal information was used to apply for goods or services fraudulently. I am requesting that the listed accounts all be removed from my credit reports immediately. The accounts to be removed are : Accounts : XXXX XXXX  : opened on XX/XX/2022 XXXX XXXX XXXX : opened on XX/XX/2022 Inquiries : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report recently and seen bills showing open or closed with balances when I have actually paid the accounts and would like them to be removed i will provide receipts and I discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. I have accounts that are reporting inaccurate and incomplete credit information on my Credit Reports I will highlight them and add them to the notes .these are the companies below XXXX-PROOF OF PAYMENT XXXX BALANCE REQUESTING DELETION FROM MY REPORT XXXX XXXX XXXXXXXX. - PAID TO A THIRD PARTY CREDITOR STILL LISTED I WILL SHOW PAID 3RD PARTY THE BALANCE IT NEEDS REMOVED XXXX XXXX-LISTED PAID ON BANK STATEMENT TO PXXXX XXXX XXXX XXXX PAID OFF IN FULL REQUESTING DELETION Multiple address and name spellings And unknown inquires on my report that I have never done business with them. 
I am also requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX, ohio XXXX XXXX XXXX XXXX XXXX XXXX XXXX ohio XXXX XXXX XXXX XXXX XXXX ohio XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been arguing with  XXXX   XXXX   XXXX  over disputed late payments for   XXXX   months. They claim they have no record of our conversations and wo n't remove the lates from my credit report.     Since our last conversation, they have made changes to previous leases reported to Equifax in an attempt to further ruin my reputation. They are targeting me because I reported them.     They are now claiming that a lease I had in  XXXX  ( acct #  XXXX  ) was included in a Bankruptcy Chapter  XXXX  and became delinquent in   XXXX   XXXX   None is this is true. There was never a delinquency, and there was never a Chapter  XXXX  B/K.     I do n't appreciate  XXXX   XXXX  bullying me by trying to claim that a lease that ended without incident almost   XXXX   years ago was delinquent or subject to a phony bankruptcy.
Product: Credit card or prepaid card

Hi my name is XXXX XXXX I currently am a resident of North Carolina. During the Covid pandemic lockdown and mandated curfews put in place by our President and local authorities. So at that time I had been a small business owner for over ten years and at no fault of my own in order to do what our government said I filed for unemployment for the first in my life and I asked for my funds to be placed into my personal checking account but for some reason my NC unemployment was placed on the prepaid Bank of America card. There were some a few times that I didnt recognize the transactions on the card so when I called to ask questions about the transactions the employees of BOA filed dispute. With that getting resolved with no warning the bank froze my account and took it negative over {$4000.00}. The refused to tell me anything or release my money from unemployment during the pandemic! My power was disconnected in XXXX of 2020 where because of that my landlord evicted me and my son. Now since then I have a mountain of debt and late charges that are on my credit and I still am finghting with BOA TO RECIEVE MY MONEY OR ANY TYPE OF RESTITUTION!! When they do give me a little tiny bit of my money they make me wait 30 to 45 days to issue a check! Its absurd! How is this fair for us working class people to get treated so poorly? I have no idea! I have had Bank of America regulator complaints operations reach out to me only to send me SOMEONE ELSE BANK STATEMENTS FROM CALIFORNIA NAMED XXXX XXXX along some of my information as well! I am asking for some type of apology and restitution from the company because they have messed me and my son lives up more than they care to realize! I just want a place to live again with my son and it doesnt have to be a big nice place. If we could just go back to what we had before Bank of America costs us ours. {$35000.00} I feel like is the normal average income of annual income well thats my average anyway. I respectfully request that my voice be heard and for it to matter.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I have a collection with XXXX Illinois that isn't mine
Product: Debt collection

I am writing to formally lodge a complaint against XXXX. XXXX and XXXX XXXX XXXX regarding their deceptive and unlawful debt collection practices. This company has been attempting to collect a debt they allege I owe to XXXX XXXX XXXX XXXX in the amount of {$20000.00}. However, I do not owe this debt to XXXX XXXX. 

In an effort to verify the legitimacy of this debt collection attempt, I have sent certified letters to F.H. Cann and Associates , Inc., requesting the following : An agreement that authorizes them to collect the debt allegedly owed to XXXX XXXX. 

A signed agreement from me, the alleged debtor, where I have promised to pay this debt. 

A complete payment history on this account to validate the debt amount they claim I owe. 

Despite my legitimate requests, which I have proof they received through XXXX XXXX numbers ( attached ), F.H. Cann and Associates has failed to provide any of the requested documentation. Instead of complying with their legal obligation to validate the debt, they continue to harass me with deceptive collection efforts. 

This behavior not only violates my rights under the Fair Debt Collection Practices Act ( FDCPA ), but it also raises concerns that F.H. Cann and Associates , InXXXX is attempting to collect a debt they purchased for pennies on the dollar without proper documentation or legal standing. Their continued harassment and failure to provide proof of debt indicate a blatant disregard for consumer protection laws. 

I request that the CFPB investigate this matter and take appropriate action against F.H. Cann and Associates , Inc. for their deceptive and unlawful debt collection practices. I further request that they cease all collection attempts against me until they can provide the legally required documentation verifying the validity of this alleged debt. 

Thank you for your time and attention to this matter. I appreciate your assistance in ensuring that consumers are protected from unfair and unlawful debt collection practices.