23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XX/XX/XXXX I experienced a temporary financial hardship when a family member ( my mother ) passed away. Because there was a dependent family member living in her home, I had to maintain the home ( using money from my own funds ) to keep her home going. In addition to the death of the family member, Hurricane Harvey hit in XX/XX/XXXX which temporarily prevented me from selling my mother 's home ; the home was sold in XX/XX/XXXX. My attorney allowed estate funds to be released in XX/XX/XXXX. Maintaining two households caused a financial hardship. I communicated this to Bank of America immediately. I contacted a CSR in the XXXX, FL office and she assured me that once the loan became current ( once I got caught up on my payments ) the negative delinquent payment history would be removed. I sent documentation ( obituary, list of estate expenses, my bank statements, real estate listing agreement, copy of proceeds check ) to Customer Service routinely to keep them abreast of the situation. In XX/XX/XXXX I made a lump sum payment of {$14000.00} to become current on my mortgage loan. I have contacted Bank of America over and over again, and they refuse to correct the delinquent payment history. It has gotten to the point where I had to hire an attorney because Bank of America is giving me the run-around. Every time I send a document they write to me asking me for the same information in another format. The negative credit history, which occurred at no fault of my own, is harming me ... preventing me from obtaining a higher-paying job. It is despicable that someone in a financial institution would tell me that something could be done and then later, after the organization gets their money, they tell me it can not be done. This seems like fraud. Prior to and immediately after the hardship my payments were made in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX VIN # XXXX This vehicle was repossessed by XXXX XXXX and resold on or about XX/XX/2015. 
Under the laws of the state of NJ ucc9.506 and state RISA and MVISA statutes a deficiency can not be be claimed unless all of the required notices were properly and timely given and all of the allowable redemption and cure time limits were adhered to. Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$28000.00}, XXXX XXXX XXXX Balance : {$4400.00}
Product: Student loan

I have a federal student loan through Ed financial that is currently on pause due to Covid 19 relief efforts and it is showing on my credit report as late payment when I have not even had a payment due yet. I even have an email from Ed Financial stating it is still on pause due to Covid 19 relief and that payment is not yet due.
Product: Debt collection

This company response to my request to validate the debt they say I owe and verified with the credit bureau was to call them. Ive sent multiple request to multiple people in the company they are 100 % aware that the debt is in dispute and I requested for it to be validated and continuing to ignore that request and report and verify to the credit bureau. Its a simple request I dont understand why it cant be sent out to me. I dont know who this company is outside of junk debt buyer after doing my research or who theyre working for. A person by the name XXXX XXXX is fully aware of the dispute and my request. This person has requested I call them, I wanted everything documented in writing. We dont need to talk, I requested the debt be validate, send me the docs, I dont see whats so hard about that
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The Experian and XXXX credit bureaus are required to authenticate the items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting items as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Achieve Personal loans marked my account as 30 days past due from a returned payment that was incorrect due to the incorrect routing number entered on my bank account. I originally made a payment on XX/XX/year> in which I received an email notification that it will be processed on XX/XX/year>. Email notification showed the last XXXX of my account number. I then received an email received on XX/XX/year> that achieve was unable to collect payment and that the account I used was suspended. I spoke with representative on XX/XX/year> to ask what the issue was and they stated that I entered XXXX of my saved account numbers that are saved in the system and that I entered the other account routing number that I have saved in the drop down list. I stated to them that I used the drop down method that was saved and never once entered a new account or routing number. Representative stated that I entered the new account information in which I entered the incorrect routing number and that it would be reported over 30 days due to the payment being returned. I asked for a supervisor XXXX XXXX and spoke with them on XX/XX/year>. They stated that I entered the incorrect routing number. Asked for proof of the change of account routing number and all they provided that the system normally sends an email notification of the payment and not the change. This I feel like is a XXXX percent a glitch or error on the company system and needs to be thoroughly investigated. This did not only impact my credit but makes me feel that the company system is incorrect and lost all trust in this lender. I asked supervisor for request ti remove and they mentioned the investors changed that recently in which they can no longer remove credit disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

My only name is XXXX XXXX My only address is XXXX XXXX XXXX XXXX, GA XXXX My only employer is XXXX  XXXX There may be individuals that have the same as mine. Creditors may have entered my name, address, and/or employer incorrectly when requesting my credit report. 
Regardless there are forms of my name and addresses that should not appear in my credit file. 
Please promptly remove all other names, addresses, and employers. These other forms of my name, address, and employer are not correct historical data so they need to be removed.
Product: Credit card or prepaid card

On the last XX/XX/2021 I was charged for {$500.00} from XXXX for a rental car. I called the bank because I didn't rent any car, I live in XXXX wa and the purchase was made in Fl. So the open a claim and they made the refund of my money and they provided a new card, but the next month they debited the same amount and they said it seems like I made the purchase, I called to XXXX and they told me they received a request for a rental car but it was canceled and nobody rented any car under my name and it wasn't charged anything from them. I called the bank again and I open a new claim for the same reason and they still responding that I did that purchase.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX SSN : XXXX Date of Birth : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : XXXX  Block Request Dear Sir or Madam : I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
Accounts : Account numbers : OPEN DATE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX DEPT OF EDUCATION XXXX XXXX XXXX DEPT OF EDUCATION XXXX XX/XX/XXXX DEPT OF EDUCATION XXXX XX/XX/XXXX DEPT OF EDUCATION XXXX XX/XX/XXXX DEPT OF EDUCATION XXXX XX/XX/XXXX DEPT OF EDUCATION XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have attached a copy of my SSN card, Valid IDs, and a copy of my utility bill to prove I am human who has been a victim XXXX XXXX, so I do not need Experian to say or write me and say they could not verify me or my account. 
Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. Section 605C ( b ) states that consumer reporting agencies can not provide consumer reports with adverse information about consumers who have been victims XXXX XXXX XXXX XXXX XXXX XXXX if the consumer has provided documentation of XXXX  to the agency. I have attached a documentation of my self attestation to you Experian Survivors do not need to provide additional evidence to prove their connection to XXXX, beyond self-attestation. 
Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I always pay on time and never missed a payment.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting a collection account or my consumer credit file I have tried several times to dispute this collection account with them, but they have not responded to any of my messages. After asking them to provide the full name and Social Security of the person and whom, this account belongs to I have realized that the name on this account is not me this account belongs to a XXXX XXXX XXXX XXXX which is not me, and this name is not present on my credit file. please remove this incorrect information and this collection account immediately. 

XXXX XXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$430.00} past due as of XXXX XXXX. 
Status updated XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under my name. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit includeing the Police Report I filed on my local Police Department. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more th an 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be a claim that constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute IsFrivolous or irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent noncompliance [ 15U.S.C. 1681o ] a person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.
Product: Checking or savings account

Citizens Bank sent an online bill payment paper check to the XXXXXXXX XXXX XXXXXXXX that was never received. They opened case XXXX and promised to send proof of payment to both the XXXX and myself. The XXXX has not received the letter and the letter I received was incorrect and unusable. When I asked for a corrected version I was refused ( by telephone XX/XX/year> ). I was told to place a stop payment on the item never received and that I would be charged a stop payment fee which would be reversed ( case XXXX ). The township of XXXX has charged me {$23.00} in interest for not receiving the payment. I have many case numbers but no resolution.
Product: Debt collection

My first interactions with this firm were relatively fine, but since my account was transferred to XXXX XXXX, the communication has ranged from sparse to incompetent to non existent or unpleasant. It has not gotten to the point of threatening, but just barely. 

I have submitted multiple proposals for settlement handwritten by mail as well as via email and have attempted to call my representative. I've even contacted the main office to ask for a new case representative and have copied other addresses and have not had anyone respond to those requests. Since the original papers were served, I have not received anything in the mail or email about my case before they have brought the recent actions. I call and email XXXX XXXX and she claims to call me back, but does not. She often does not return my phone calls or answer my emails. The few times she has called, it's been in windows of time where I have explicitly stated that I was unavailable. I have submitted proposals and asked for information on next steps and have not received anything. Phone calls and emails have stopped entirely. 

It was my understanding that they could not continue to take action on my account when there has been new filings for settlement options, but they have continued to take money from my account and place more freezes even after I have submitted formal proposals and have tried to communicate. I feel that XXXX XXXX is intentionally not filing or responding to let things lapse and take more money from me. 

I can not pay more money than I have and have tried to communicate my parameters and offer as much as I can, but have not been met with reason and then communication just ceased while money continues to be taken from my account. 

I would like to pay these off, but can't do so if they continue to take every penny I make out of my account each month. This is the second month in a row I am unable to pay rent on time and will have to pay additional late fees on all of my bills thanks to XXXX XXXX not doing her job and this firm not being responsive to my requests for communication. 

I no longer live in Colorado so I am unable to appeal to a judge. I also don't receive information in a timely manner in order to deal with these things before it is too late and I'm unexpectedly out thousands of dollars. I am happy to pay monthly to move forward with this, as I've been advised by members of this firm in the past, but I can't deal with unreasonable or predatory people.
Product: Credit card

My XXXX account was hacked on XXXX/XXXX/2017, and a gold coin was purchased for {$680.00}. As soon as I noticed this activity on my account, I contacted the merchant the same day notifying them of a fraudulent purchase and asking them not to ship which they complied with. I also contacted my credit card company the same day who started an investigation, credited my account for {$680.00} and sent me a new card. A week later the merchant issued a refund in that amount. The bank then debited my account in that amount, to even out the balance. However two weeks later the bank debited my account again in that amount. I called to complain, and was given credit, which evened the balance. Then two weeks later the bank debited my account for a third time again. My account was credited 2 times but debited 3 times.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two accounts on my credit report one is on my XXXX one is on my equifax I dont know what these are or where they are coming from I have not received anything back from the bureaus regarding this please help XXXX XXXX XXXX- Acct # XXXXAmt {$410.00} No Account Name - Acct # XXXXAmt {$570.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that you will investigate this account for me to ensure accuracy. 

Here is the account I am asking you to verify as accurate : XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida Upon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen I have included a copy of the police report attached to this letter I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ;
Product: Credit reporting or other personal consumer reports

dispute multiple unauthorized credit inquiries on my report. These inquiries were not authorized by me and violate the Fair Credit Reporting Act ( FCRA ). Unauthorized inquiries can be indicative of identity theft, and Transunion should be held accountable for accurate reporting. I've contacted them multiple times regarding removing. Im requesting for this to be publicly published. 

Below are the details of the disputed inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

On XX/XX/2018 I made a transfer from my bank of america application on my phone to my wedding photographer XXXX XXXX XXXX ' for the amount of {$2500.00}. 

I called to confirm the transfer which bank of america told me it went through to the XXXX account assoiciated with his number phone. I let XXXX know and he said there is nothing in his account nor anything is pending. 

I then contacted the bank again and they said it takes a few days for it to go through so I left it alone as I was on my honeymoon. After following up with XXXX there was still no money pending in his account. 

I then filed a investigation to see where the funds went. I got off the phone with them today XX/XX/2018 at XXXX and they told me that the person that has the funds will not release it back and that there is nothing I can do. 

I called bank of america and they are not willing to get my money back and simply told me there is nothing they can do and for me to take legal action. I have filed a IC3 report and will be going to file a police report also.
Product: Debt collection

This number is calling a place of business and has been asked multiple times to not call again seeking to speak with an employee. A call was made to this number of XXXX and told repeatedly to not call this place of business. Immediately after our call was made to the company they called again under false pretenses to verfiy employment and were told again to not call this number of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 
-XXXX XXXX XXXX CO Account # XXXX, has violated my rights. 
XXXX XXXX Account XXXX XXXX XXXX has violated my rights. 
XXXX XXXX Account # unknown, has violated my rights. 

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