23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We paid our Bank of America mortgage in full in XX/XX/2018, and sold the house as-is the same month. All liens were cleared, and the closing was successful. The house had been flooded in the Hurricane Harvey flood, but due to the insurance settlement being less than the estimated cost to repair the house, we decided to sell the house as-is. 
Since then, Bank of America has sent letters to me demanding that we set up an inspection on this house to be sure repairs have been made. I phoned Bank of America two days ago and explained that we paid the loan in full ( the Bank of America representative acknowledged this ), that we no longer own the house, and that we did not make a claim on this house with Bank of America prior to selling the house. 
The Bank of America representative became robotic ( i.e. acting as if I had not said anything ). Thinking this may be a computer, I began to repeat myself. After the phone call, I went on the Bank of America website and filed a complaint explaining the problem. 
Today I received a phone call from a different Bank of America representative. I explained how Bank of America is harassing me on this matter, and repeated we paid the loan in full, that we no longer own the house, and that we did not make a claim on this house with Bank of America prior to selling the house. She demanded more personal information from me. I explained that this is an internal matter for Bank of America to resolve, and I will not provide any other information over the phone. Like  the other representative, she began to repeat herself much like a computer would do. I requested a letter in lieu of a phone call, but she would not agree to this over the phone. 
I need Bank of America to cease harassing me given they acknowledge the loan is paid in full, Bank of America has no lien on the home, we no longer own this property, and we did not file a claim on the property with Bank of America. It is illegal for use to schedule an inspection on a property we do not own, but Bank of America does not acknowledge this.
Product: Checking or savings account

A check was deposited in my account and I was not aware of what company sent the check and the bank kept the funds closed the account, yet still using my personal information, ssn, and ID to housed the funds instead of releasing them to me.
Product: Credit card

I have send documents to Amex verifying that i did not purchase a flight XX/XX/2023 XXXX and XXXX have verified this. 
I have send police report and other documents to Amex. 
I keep calling to verify they have the documents but there not confirming.
Product: Credit card or prepaid card

XX/XX/XXXX Invoiced by Capital 1 for {$1000.00}, Paid {$1000.00} for a remaining balance of {$15.00}. XX/XX/XXXX paid {$300.00} to essentially XXXX  the account. XX/XX/XXXX invoiced for {$1700.00}. Called to resolve where the additional {$900.00} charges came from, as they didn't appear on my XX/XX/XXXX invoice.Escalated up to " manager '' level and got a shell game about billing cycles but no explanation of how the {$900.00} failed to show on my XXXX invoice but suddenly showed up in XXXX When mutual review turned up {$600.00} in transactions. All attempts to clear up how {$900.00} I allegedly owed them failed to show in the previous invoice, as per Capital One I had entered XXXX with a remaining balance of {$15.00}. After failing to get an answer as to how a balance from a previous billing cycle wasn't shown on the next bill and then somehow got carried forward to the bill after that, decided to contact CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Trans Union are reporting inaccurate information on my charge offs. I disputed with the Credit Bureau however they're still reporting inaccurate information. They are in violation for reporting inaccurate tradelines.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the reporting of a late payment on my credit report. I have contacted the companies regarding these late payments, and they have approved updating the accounts to " open or closed/never late. '' The companies have acknowledged the inaccuracy of reporting a late payment and has agreed to make the necessary changes. According to the Fair Credit Reporting Act, I am entitled to an accurate credit report XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have submitted the same complaints for several times already but still these items are visible on my credit report. I have no idea what is going on over there at the CFPB. I was a victim of fierce wrongdoing. I'm not accountable for these accounts. I have no knowledge of it, no legal obligation for it, and no information as to its origin. I did not receive any money, goods, or services as a result of the identity theft. These accounts do not belong to me. I never applied to these companies. Plus, the continuous activity is weird. I believe someone stole my identity and opened these accounts without my permission or authority. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts. I'm truly confused by the bureaus antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6500.00}, XXXX XXXX Date Opened:XXXX Balance : {$11000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed chapter XXXX XXXX 2017 the us court, my self, attorney sent notice to XXXX XXXX and all credit bureaus but experian and XXXX XXXX have refused to update 1 Account to show included in Bankruopcy, I mailed court documents to both experian and XXXX XXXX and still they refuse to correct,
Product: Mortgage

I was told that I didnt have to make any payments during my modification process. However, my credit report was negatively impacted while going through the modification process. I DONT BELIEVE THE COMPANY WAS TRANSPARENT IN THE WAY THEY HANDLE MODIFICATION. If I knew that my credit was not going to be cleared, I would have looked at another route as opposed to a modification that damaged my credit. My credit report was negatively impacted XXXX XX/XX/XXXX 

-I was assigned a Relationship Manager who was never available and non-responsive. On multiple occasions, I had to reach out to her Manager or a co-worker to try to understand the status of my account and ask questions. Everyone, I spoke with acted as if they were oblivious as to what was going on with my account and I was constantly getting conflicting information. 
-On XX/XX/XXXX, after extreme frustration and getting conflicting information, I asked for a new Relationship Manager to be  assigned to my case. 
-After making multiple calls, I was told that my loan documents were misplaced. I kept receiving new documents, new mailing labels and no one knew where the documents I submitted were located. This delayed my modification process. I was told by Management that the Company had a new vendor who was responsible for sending out loan documents. I should not be held accountable that the vendor made mistakes.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 16th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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

CREDIT CONTROL SERVICE XXXX This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting an account with XXXX XXXX with a balance of {$270.00}. This is INACCURATE! As reflected in the statement from XXXX XXXX, the balance is {$6.00}. Please correct this ASAP
Product: Credit reporting or other personal consumer reports

I am writing to request the deletion of certain information in my file, as listed below. Unfortunately, I have fallen victim to identity theft and did not make these transactions. As a result, I am seeking to correct my credit report to reflect the accurate information. 
I have reported this incident to the Federal Trade Commission and have attached a copy of the Identity Theft Affidavit provided by the FTC. I kindly request that you delete these items from my file as soon as possible to ensure the accuracy of my credit report. 
Please expedite this request, as I am eager to rectify this situation and protect my financial well-being.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute the inaccuracies related to my Social Security account due to the breach that occurred in XXXX. My name is XXXX XXXX, and I believe that my personal information has been compromised, leading to unauthorized access and potential misuse. I request a thorough investigation into this matter and any necessary actions to rectify the discrepancies caused by this breach.Please find attached any documentation that supports my claim, including [ list any relevant documents, such as identification, proof of address, or any notices received ]. I would appreciate your prompt attention to this matter and a response at your earliest convenience.Thank you for your assistance.Sincerely, XXXX XXXX.
Product: Debt collection

XXXX XXXX placed a collection of X amount on my Credit Report without any notice of my rights to dispute. The information provided claims that I opened an account with " XXXX XXXX XXXX '' on XX/XX/2017. This doesn't add up because at the time of my XXXX I was going for my XXXX  clearly before my daughter was born inXX/XX/2017. After XXXX XXXX, I never got check-ups. I tried resolving this issue with the number listed and I was put on hold for several minutes before they hung up on me. No callbacks or response ever since.
Product: Credit card or prepaid card

1.I have never had an account with this company WELLS FARGO BANK XXXX XXXX REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are WELLS FARGO BANK the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified erroneous tradeline listed by XXXX XXXXXXXX XXXX still remain on my credit report in violation of Federal Law. XXXX XXXXXXXX XXXX is required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the result of XXXXXXXX XXXX XXXX first investigation and subsequent reinvestigations, they stated in writing that this account in question was verified that this tradeline was being reported correctly! Who verified this accounts? XXXX XXXXXXXX XXXX has 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, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA XXXX XXXXXXXX XXXX is required to promptly DELETE all information which can not be verified. In XX/XX/XXXX correspondence from XXXX XXXX XXXX stated that " we are obligated to report accurate information to the consumer reporting agencies ''. In your XX/XX/XXXX letter XXXX XXXX stated that my account had been VERIFIED. In XX/XX/XXXX, I requested the method of how such verification was done and none was provided! I am attaching a letter from XXXX XXXX dated XX/XX/XXXX, in which XXXX XXXX XXXX states clearly on behalf of XXXX XXXX that " we are unable to provide you with a copy of a signed contract ''. Of course, they don't have a signed contract because XXXX NEVER had any debt with your company!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint in regards to the removal of the fraudulent accounts and information completely from my Credit File. Again, I was going through my records & noticed many information, accounts and items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Reporting Agencies are required by law to remove & block any accounts and information which were found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for the Credit Bureaus and the bank 's records. Please block and or remove these files : XXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5900.00} XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$55.00} - XXXX XXXX XXXX  XXXX Date opened XXXX XXXX, XXXX Balance {$670.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance {$800.00} Date opened XX/XX/XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXXXXXX XXXX XXXXnquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX. If the Credit Bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an incorrect closed account that appears on my credit report, which I have recently reviewed. The details of the account are as follows : Account Holder 's Name : XXXX XXXX Creditor Name : XXXX Date of Account Closure : XX/XX/year> This account is not mine and I have no affiliation with the creditor listed there was no account number ever posted on my credit report. I have never had any financial dealings or relationships with this creditor. This inaccurate information is adversely affecting my credit score and financial reputation. 

To resolve this issue, I kindly request the following actions : Investigation and Correction : Please conduct a thorough investigation into this matter and remove the incorrect account from my credit report. 

Confirmation of Removal : Once the account is removed, please provide me with written confirmation that the account has been deleted from my credit report. 

Enclosed with this letter are copies of my credit report highlighting the inaccurate account, as well as any relevant identification documents that may assist in verifying my identity. 

I appreciate your prompt attention to this matter and request that you address this issue within the timeframe outlined by the Fair Credit Reporting Act. 

I would also like a follow up on the status of my report via mail and email.
Product: Debt collection

During the course of about the past three or so years, my California identification card has been stolen and then was replaced and once again, stolen. Along with that was my wallet containing multiple prepaid cards in my name, my marriage certificate, my birth certificate, and my social security card. Recently I have noticed a major decrease in my credit score due to a collection that was not me. Here are the details for that collection : Original creditor : Speedy Cash Account name : XXXX XXXX XXXX  Date opened : XX/XX/2023 Amount owed : {$310.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX has been closed due to loan being cancelled by the government, but stills reports on XXXX as XXXX not paid, but has since been removed from the other bureaus.
Product: Credit reporting or other personal consumer reports

My consumer information was used to apply for credit at the XXXX creditors listed without my knowledge and/or consent. 

XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX
Product: Vehicle loan or lease

I had a vehicle that was financed by Wells Fargo. My vehicle was repoed by Wells Fargo without proper notification and extra fees were added to the bill. I read a notice about the lawsuit against Wells Fargo for this practice. I bought the vehicle, XXXX XXXX XXXX, in XXXX at a dealership in XXXX, Ohio.
Product: Student loan

I had a payment of {$530.00} coming due on X/XX/17, after an expired forbearance year. In mid-XX/XX/XXXX, I requested and submitted proof of income for a Revised Pay As You Earn. After waiting for over two weeks, I got a response by calling. I was found not eligible for that or any other types of plans that would reduce my monthly payment. I mentioned that I have worked for XXXX for several years to see if I could be eligible for something else that could lower my payments. I was transferred to another agent who indicated that my loans would need to be converted into direct loans ( which I 'm not sure what implications that carries ), to apply for forgiveness since I work for a XXXX. Turns out that would lower my payments by {$35.00} ( down to {$490.00} from the original {$530.00} ) ; this brings an attached set of conditions and requirements like everything else. I 'd like to understand why is it impossible for me to get the monthly payment to be reduced by a significant amount that would allow me to pay and not have such a negative impact in my family 's budget.
Product: Credit card

The company improperly ran my credit score when I already had an account and did this without my permission. I paid the balance off over a month ago and closed the account. The company is still sending me account statements and won't stop. I told them to close my account.