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

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 Experian 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

There seems to be an identity theft going on with my Transunion credit report as someone tried to apply for a credit card with a banking institution named XXXX XXXX on XX/XX/year> using my name, SSN and other details without my consent or knowledge
Product: Credit reporting or other personal consumer reports

To whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I an distressed that you have included the information below on my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure the bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.The following information therefore needs to be re-investigated. 

According to the Fair Credit Reporting Act, 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed document contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original customer contract with my signature in it ) that you have on file for the accounts listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be removed immediately. 

XXXX. XXXX  XX/XX/XXXX Delete this item immediately I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 
XXXX. XXXX XXXX XXXX XX/XX/XXXX Delete this immediately I have no knowledge of this alleged debt. This account is not mine XXXX. XXXX XXXX XX/XX/XXXX Under 15 U.S. Code 1681 e ( b ) and 15 U.S. Code 1681 i ( 5 ) this account is in violation and is not reporting 100 percent accurate. 
XXXX. XXXX XXXX XX/XX/XXXX This charge off needs to be deleted for inaccuracy because it reports a current balance should be XXXX. The IRS defines a charge off as income under IRS tax form 1099-c and income can not report on a consumer report. 
XXXX. XXXX XXXX XX/XX/XXXX Delete this immediately I have no knowledge of this alleged debt. This account is not mine XXXX. XXXX XXXX XXXX XX/XX/XXXX I have no knowledge of this alleged debt. This account not mine Delete this immediately If these accounts are not deleted off of my account Your non- compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give anyone permission to put anything on my credit or to give out any information. 
XXXX XXXX Balance {$240.00} Original Creditor : Not Available COLLECTIONS XXXX Act. # XXXX Opened XXXX Reported Unknown Condition XXXX  Balance {$740.00} Original Creditor : Not Available COLLECTIONS XXXX Act. # XXXX Opened XXXX Reported Unknown Condition XXXX  Act. # XXXX Closed XXXX Opened {$200.00} Credit Limit {$150.00} Balance Individual Account Revolving Account Type Closed Condition XXXX Date Reported XXXX XXXX # XXXX 60 Days Late XXXX Opened {$520.00} High Balance {$0.00} Balance Individual Account Installment Account XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} Payment XXXX XXXX Balance {$240.00} XXXX XXXX : Not Available COLLECTIONS XXXX Act. # XXXX Opened N/A Reported Unknown XXXX Compare this account across all bureaus. 
Show Comparison Creditor XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX | ( XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX # XXXX Closed XXXX Opened {$520.00} High Balance {$0.00} Balance Individual Account Installment Account XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} Payment XXXX XXXX XXXX XXXX {$950.00} XXXX XXXX : Not Available COLLECTIONS XXXX Act. # XXXX Opened XXXX Reported Closed XXXX XXXX XXXX XXXX XXXX {$580.00} Original Creditor : Not Available COLLECTIONS XXXX Act. # XXXX Opened XXXX Reported Closed XXXX Compare this account across all bureaus. 
Show Comparison Creditor XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX {$1000.00} Original Creditor : Not Available COLLECTIONS XXXX Act. # XXXX Opened XXXX Reported Closed XXXX XXXX XXXX XXXX XXXX {$580.00} Original Creditor : Not Available COLLECTIONS XXXX Act. # XXXX Opened XXXX Reported Closed XXXX XXXXXXXX  Credit Act. # XXXX 90 Days Late XXXX Opened {$0.00} High Balance {$8200.00} Balance Individual Account Installment Account Type Closed Condition XXXX Date Reported {$0.00} XXXX Act. # XXXX 120 Days Late XXXX Opened {$200.00} Credit Limit {$150.00} Balance Individual Account Revolving Account Type Closed Condition XXXX Date Reported {$0.00} Payment XXXX XXXX XXXX  Act. # XXXX 90 Days Late XXXX Opened {$0.00} High Balance {$0.00} Balance Individual Account Installment Account Type Closed Condition XXXX XXXX XXXX {$0.00} Payment XXXX XXXX XXXX XXXX Closed XXXX Opened {$0.00} High Balance {$0.00} Balance Dept Of Ed/XXXX Act. # XXXX Current XXXX Opened {$0.00} High Balance {$23000.00} Balance Dept Of Ed/XXXX  Act. # XXXX Current XXXX Opened {$0.00} High Balance {$1400.00} Balance XXXX XXXX XXXX XXXXXXXX Act. # XXXX Closed XXXX Opened {$0.00} High Balance {$10000.00} Balance XXXX XXXX XXXX # XXXX Closed XXXX Opened {$0.00} High Balance {$0.00} Balance
Product: Credit card or prepaid card

Due to the covid-19 pandemic, I was stuck overseas from XX/XX/XXXX to XX/XX/XXXX. My XXXX+ Visa Signature Credit Card issued by Bank of America was closed due to long-term inactive. Since I was not able to reach any physical mail notification sent from Bank of America, I had no clue the card is closed till XXXX. I tried to contact Bank of America to figure out any solution to recover my credit card and the unused reward points on this card but I still have not received any reply from Bank of America yet.
Product: Mortgage

Bank of America has not legally complied, to complete a FHA short sale, on property located at XXXX XXXX XXXX XXXX, XXXX, Massachusetts XXXX. XXXX, my XXXX customer service representative, who has helped me for the last year, is suddenly unavailable, she has essentially disappeared, just like the previous XXXX. Neither the short sale specialist, XXXX XXXX, XXXX XXXX can find XXXX even though we had spoken about every week or XXXX for the last year. 
The buyer for the short sale has increased his offer to be compliant with FHA requests and Or conditions, the judgment on the property has been removed. XXXX XXXX XXXX and XXXX XXXX, have worked tirelessly, to move forward with the sale. 
Most recently, Bank of America, sent me a document, which states, '' My home loan will be services by XXXX XXXX. This letter was received days ago, though dated on XXXX XXXX. 
Further, I maintain, the conditions have been met, per request of the Loan serviced and or FHA, I, by and through my attorney and realtor, have been professional, and followed through on each request, to allow this short sale. 
I am XXXX, with XXXX XXXX, am elderly, and the actions over of present and the past XXXX years of Bank of America have caused me harm. 
I respectfully ask for your help, and any and all sanctions, be brought against Bank of America XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint to express my deep disappointment and frustration regarding your company 's lack of response to the compelling evidence I provided through an FTC XXXX.I specifically want to address my most recent communication on XX/XX/year>. In that correspondence, I requested EQUIFAX to conduct an investigation to authenticate a disputed account. I highlighted that this account potentially contained inaccuracies and should not be on my consumer report. While an " investigation '' was carried out, I must bring attention to a significant issue that has arisen. I received a letter stating that the creditor confirmed the accuracy of the accounts.It seems improbable that this creditor, managing millions of accounts across various bureaus, would take the time to verify this specific account unless prompted by EQUIFAX. I strongly believe that EQUIFAX employed delaying tactics against me in processing this investigation. Let me be clear : such behavior not only constitutes a stalling tactic but also violates the Fair Credit Reporting Act ( FCRA ) by neglecting to address my dispute request. The initial request for investigation was solely initiated by me, with valid reasons to believe inaccuracies existed on my credit report and without involvement from any third-party agency. It appears EQUIFAX intentionally disregarded my request for a thorough investigation.Therefore, this complaint serves as a formal notice demanding EQUIFAX to provide a detailed outline of your verification procedures within 30 days for the specified accounts below. Failure to comply will leave me no option but to pursue legal action against your company. Please investigate and remove it from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Louisiana XXXX SS # XXXX XXXX XXXX XXXX Greetings to whom it may concern, Please take a look at my credit information with Equifax XXXX I am in the process of purchasing a home and the lenders can not pull my Equifax report. I have called Equifax numerous of time and have not gotten any satisfaction. Can you please help me and remove anything that is blocking my credit report. 


Thanks in Advance
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting this compliant due to the fact Capital One has failed to update accurate information on my credit file. I have submitted a request to Capital One on five different disputes ( XXXX, XXXX, XXXX, XXXX, XX/XX/2022 ) and providing court documentation along with credit report showing information is being reported inaccurately. All three credit bureaus should be reporting this Capital One Auto Loan as a Bankruptcy and it was discharged in a Chapter XXXX on XX/XX/2022. This auto loan is still showing up as a derogatory account the account should be reported as closed included in Chapter XXXX with a XXXX balance. A balance is being shown and there is no balance due. I have tried to communicate with Capital One Auto Finance to update accurate information per Bankruptcy laws. My only last course of action will be pursuing a legal action.
Product: Checking or savings account

On XX/XX/2022 Citibank advised that they were closing my account. They advised the account would be closed within 60 days from XX/XX/2022 and that a check would be mailed to me for the balance in the account. The balance in the account of {$1000.00} still has not been mailed to me. I called Citibank and advised them I wanted my money back. They said they still had another 30 days to actually close my account. I would like my money back from my account.
Product: Debt collection

Dear CFPB/ Madam/Sir : I checked my XXXX Credit report and I saw a debt collector that In state of send me a notice of a letter. ( 30 days for me to answer ). The debt collector did not do this Legal action. However with out my authorization went in to my XXXX and the XXXX others credit Bureaus XXXX and XXXX XXXX and look at my credit reports and add in my credit reports my name and the amount owe, by the original creditor that was already PAID OFF. And my balance is 00 %. This debt collector is braking my consumer rights and is braking the Federal Laws by not writing me a letter before going in to braking my privacy and abusing of power going in to my personal credit files. I respectfully demand from this debt collector to legally send me by US mail a letter, than I will answer the letter on or before 30 days as per Federal Laws dictate. I also Respectfully Demand form this debt collector to take me out of my XXXX credit Bureaus Report Agencies. XXXX, XXXX, and XXXX XXXX, until this very important matter is resolved on or before 30 days time limited by my consumer rights and by the Federal Laws. Also this debt collector should be fine and there licensee to collect be taking away, by braking my Privacy ACT, by abusing of power, by braking State and Federal Laws.
Product: Debt collection

Inquired about a debt in collections in the amount of {$910.00} that was preventing me from obtaining an apartment in XXXX. Reached out and agreed to pay full amount in return for deletion. Paid the debt in full and states that it was paid XX/XX/XXXX. Status has been changed but then reopened and then closed again. Updates XX/XX/XXXX on one report, XX/XX/XXXX on another.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent 3 letters to transunion in the passed 2 months in regard to fraudulent inquiries that are on my transunion credit report. My most recent letter was sent via certified mail to them stating that my credit report continues to show fraudulent inquiries from XXXX XXXX and XXXX XXXX and have requested that they are removed. However, they have not been removed ; The representatives continue to state that they have not received my letter, affavadavit and proof of identity despite sending it certified mail with tracking. I want these inquiries removed from my XXXX credit report immediately! This agency is in violation! 

I have attached my letter along with the tracking number! 
Tracking number : shows received XX/XX/2021 XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Transunion credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : DPEDXXXX XXXX Balance Owed : {$0.00} DPEDXXXX  XXXX Balance Owed : {$0.00} DPEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$15000.00} DPEDXXXX  XXXX Balance Owed : {$0.00} DPEDXXXX  XXXX Balance Owed : {$0.00} DPEDXXXX XXXX Balance Owed : {$0.00} DPEDXXXX  XXXX Balance Owed : {$0.00} DPEDXXXX XXXX Balance Owed : {$0.00} DPEDXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  Balance Owed : {$1400.00} DPEDXXXX XXXX Balance Owed : {$0.00} DPEDXXXX XXXXXXXX Balance Owed : {$0.00} DPEDXXXX XXXX Balance Owed : {$0.00} DPEDXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  Balance Owed : {$15000.00} XXXX XXXX XXXX  Balance Owed : {$1400.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I received a copy of my credit report, and to my surprise, you are reporting an account inaccurately. This collection account is being reported as open and shows a past due balance of {$450.00}. According to the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate credit report. Please delete this account from my credit report immediately. 

Please provide me with a copy of my updated credit report upon completion of this request. 

Account Name : XXXX XXXX Account Number : XXXX Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that I am also requesting a description of the procedure used to determine the accuracy and completeness of the information, to be provided within fifteen ( 15 ) days of the completion of your investigation. 

Sincerely, XXXX XXXX
Product: Mortgage

The issue is with my 2nd Mortgage for {$45000.00}, I took it out back in XXXX with XXXX XXXX Diversified Mortgage Services, acquired in XXXX by XXXX XXXX XXXX XXXX XXXX XXXX. 

The Lien with XXXX was never Discharged and Released by the Servicing Lender. 

XXXX sold the Mortgage to Specialized Loan Servicing ( SLS ) the same day of the closing, but nothing was ever filed at that time, even though they become the servicing lender throughout the years. 

I was granted a Discharge Notice ; XXXX/XXXX/XXXX which was sent to SLS thru the filing of my bankruptcy. 

Recently this year, I reached out to XXXX and they said that they no longer owned this mortgage and that I must go back to who serviced the loan. I remember I made payments to SLS. So, I did a little research thru MERS and found the MIN and looked it up, it was active under SLS. I reached out to SLS several times, but the persons I made contact with passed it on internally and would not give me any answers or info to who I should be speaking with about solving this. They just ignore my emails and its impossible to get anyone on the phone to call me back.Not communicating leads me to believe this is a great big mess and that no one wants to deal with it!

To recap ; the only 2nd Mortgage Lien was originally filed against my property by XXXX XXXX in XXXX, later they got acquired by XXXX in XXXX. Keep in mind, the 2nd mortgage was sold off to SLS by the day of the closing in XXXX, but never filed at the county court house back then. SLS became the servicing lender between XXXX and XXXX. At that point the mortgage was discharged and SLS did receive notice. Under MERS it is active with SLS, but the Lien with XXXX is still on record and not discharged. I would think maybe the Title Insurance Company ; XXXX XXXX would play a role in this as well, but I am not getting anywhere with anyone. 

This house is all I have even though its underwater. It provides a decent roof over my head, while I care for my elderly father and raise my XXXX children. I need some real help here.
Product: Payday loan, title loan, or personal loan

Avant Double Billed me. They promised to take my payment that I payed early and apply it to my loan. I have used this pre-pay process in the past, with success. For some reason, this time they billed me. They used the payment I payed, along with the monthly draft. The second payment overdrew my account. There were 5 NSF fees for other charges that were outstanding. The bank would n't refund those moneys. The amounts however were payed since I have an agreement with the bank to pay if I have direct deposit and an overdraft in my savings. I called Avant to get a resolution. They promised me in 8 business days the money would be refunded to my account. Then a few more days went by. I did n't receive any information. I called repeatedly. Still, promised the money would be refunded so my NSF 's would be refunded by the bank. After 21 days have passed, I finally called and they said my request was rejected. I could n't object, or appeal to their refusal process. I was slightly disappointed. Nevertheless, I contacted my bank to alert them of the possibilities that this company may be taking money out of the accounts of the persons they do business with, without their knowledge or consent, or reversing mistakes that may have possibility happened as a result of their procedures, or as a result of electronic malfunction. Unfortunately, others should be made aware that their processes allow for these types of mistakes, which can result in many over draft charges, and other types of fees that a person may normally not expect. With the addition of these new fees as part of the responsibility of taking out a loan with XXXX, I thought it pertinent to share my experience with the BBB. Although they have an A+ Review, taking money out of a person 's account unexpectedly is the new norm. It 's unfortunate, but true.
Product: Vehicle loan or lease

I obtained a loan for a vehicle that turned out to be a lemon in XXXX of XXXX. I voluntarily gave up the vehicle. The company sold the vehicle at auction for more than I owed. I was told the debt was settled. Then in XXXX I received a notice if wage garnishments from the loan company. I then found out they lied to the courts about serving me any documents. Again in XXXX they lied again about serving me and was granted another judgement against me. This is the worst type of fraud. Now they keep reporting this to the credit bureaus as a new debt every so often so it doesnt come off. I cant afford a lawyer and as they use the courts that are located 100s of miles from me I dont see how I can fight it.
Product: Credit card

Capital One has refused to protect my credit card ( MasterCard ) from fraud. An online company charged my credit card more than a dozen times, more than {$2000.00}, without my authorization and after I had expressly forbade them to do so in an email. This continued for three months, XXXX through XXXX, 2015. First I demanded that they close my account, and they said they would, but charges continued to come on my credit card account, so obviously they kept my account open against my wishes. I demanded they close the account three times by telephone, and they blocked my account online so I could n't close it myself. I reported this to Capital One, and asked them to block payment to this company, but they refused to do that, which would have solved the problem the very first time a new charge came through. As an alternative, they offered to refund my account, and asked for documentation for my claim. I gave them written emails and pages from the online company 's website which proved that I had ordered them to cease charging me two months earlier, and I refuted with documentation every lie that this fraudulent online company countered with. But Capital One refused to protect my credit card from fraud. I had to cancel my credit card number to stop the online company finally, and now I have cancelled my Capital One account altogether. They do not care about their customers, and anyone who accepts a credit card from them will regret it. Capital One will not protect you against fraud.