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

I filed a dispute in regards on incorrect information on my credit report, and it has been well over XXXX. I haven't received any investigation information regarding my report.
Product: Credit card

This is more of a " for your information '' note. With XXXX XXXX in the news about account fraud, I was hoping that Bank of America would also be included in the investigations. About 8 years ago they opened a credit card account without my permission. I have a checking/savings account and was curious about the percentage rate. No permission was given verbally or in writing however I received a credit card in the mail. I did not activate it and called Bank of America to discontiue the card. It did affect my credit report though. Bank of America denied any wrongdoing. I am hoping that you will be looking at their practices too. Thank you- Sincerely, XXXX XXXX
Product: Debt collection

You are on my credit, reporting that I owe you some type of money. 
I've never done business with you. How do I have an account with you on my credit report. 
I have not received any notice pertaining this allege debt I am unwilling to pay this debt. 
I am not wanting validation
Product: Mortgage

My mother had a line of credit mortgage with Bank of America mortgage on a manufactured home in a park in XXXX XXXX California. The loan was paid in full in XXXX when it was refinanced into another loan on a home in XXXX California. My mother has passed away since that time. 
Bank of America did not return the title to the manufactured home although they sent an unsigned letter stating the loan was paid in full. 
The home is involved in a lawsuit in XXXX XXXX and we must have the released title from Bank of America or at least a signed letter showing it is paid in full, however continued contact with BoA has so far been fruitless. The first two contacts by fax ( their choice not ours ) were ignored. The last contact by e-mail and responded to by fax has so far been, as near as we can tell, also ignored after the confirmation of receipt. 
It is impossible to contact anyone at Bank of America that deals with the release of titles for manufactured homes. We have been transferred hand hung up on so many times, I have totally lost count. The last time was with the Mortgage Customer Service ( I think ). The e-mail address of the supervisor is : XXXXXXXXXXXX. Was never able to get them to give us a phone number to contact. Person we dealt with there was XXXX. Reference # XXXX The most recent contact was on XXXX XXXX, XXXX but this has been going on for well over two months. We have given them all of the information requested plus more but it seems as if we are whistling in the dark. 
Any assistance you can give us in getting Bank of America to expedite this request would be greatly appreciated. 
XXXX XXXX daughter of XXXX XXXX. 
BoA loan # XXXX ( they ca n't find it )
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is inaccurately reporting and account on my credit file that doesnt belong to me and is not mine. Account shows as XXXX in the amount of {$310.00} dollars. The address on the account is XXXX XXXX XXXX XXXX XXXX, Massachusetts. I XXXX XXXX XXXX XXXX never live at that address nor have I ever given anyone permission to you my name on this account.
Product: Credit card or prepaid card

There were several fraudulent transactions made on my card. I did not notice these transactions because this is not my primary card I never use it because I use my actual bank account, also I did not have transaction alerts set up on this account. Once I noticed, I reached out to the bank to file the dispute and the bank denied it. I have since filed a police report so that I can have this investigated thoroughly. Here is a list of all the transactions that were not authorized by myself. When I initially filed the dispute they failed to include all the fraudulent transactions, so I had to file another dispute for those remaining transactions as well as re-dispute the original dispute due to it being denied. I am willing to provide my police report if needed as well as a copy of the denial letter from PNC bank once I receive it. 

Transactions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

OnXX/XX/XXXX, I made a payment to my Capital One Quicksilver Visa Account on the due date.  At the time, I made the payment online I wasn't aware I missed the cutoff time, which is not posted as you click to submit the payment. I discovered the next day that I was charged a past due fee of $XXXX on XX/XX/XXXX.  I called the Customer Service Center and they were kind to reverse the fee.  At the time, I didn't realize I would also be charged interest, because finance charges  did not post on XX/XX/XXXX, they posted on XX/XX/XXXX.  I paid the full balance off on XX/XX/XXXX, which I almost always do, specifically to avoid paying interest, so I was shocked to see I had been charged interest. I called the Customer Service Center on XX/XX/XXXX to see if I can get the interest reversed, as I had made the complete balance payment due. I spoke with the Account Manager, XXXX  in Virginia (ID:XXXX) and he would accommodate my request.  I asked to speak to his manager or to escalate it and he blatantly advised me he was the highest level I could escalate to. I don't ask for much and I have had this card since XX/XX/XXXX. I felt that I was not treated fairly and without respect.  I don't understand if a previous representative understood and reversed the past due for the same situation, why not be consistent and reverse the finance charge?  Is it fair to not provide a customer options to appeal a decision?  I  am not happy with the service Capital One provided me and hope the Voice of the Customer has value.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$8200.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Debt collection

This collection agency is furnishing an alleged debt that is on my consumer report ( XXXX XXXX and XXXX ) The collection Agency Waypoint Resource Group which is on XXXX XXXX XXXX XXXX XXXX, TX XXXX has not provided me with the proper validation according to 15 usc 1692g. Also they have violated 15 usc 1692f. I have not received any proof that there was a such agreement that expressly authorizes this debt collection agency to collect on an Alleged debt which is a violation of the FDCPA. I sent a debt validation letter on XX/XX/XXXX and have not recieved any proof of the from them that there is an agreement in place pursuant to 15 usc 1692f ( 1 ) of the FDCPA that they can collect from me or that they even own the debt. This is a violation of my right to privacy. The company is also not reporting on my consumer report accurately. The date last active is not accurate between the 3 credit reporting agencies listed above. XXXX is reporting the date last active XX/XX/XXXX XXXX is reporting XX/XX/XXXX and XXXX is reporting last active on XX/XX/XXXX. This is inaccurate reporting and is violating the FCRA. They have also violated these laws. 

- 15 usc 1692d ( 1 ) using the means of harm to damage my reputation - 15 usc 1692d ( 2 ) The use of profane language which is used to abuse the hearer or reader - 15 usc 1692d ( 5 ) Causing the telephone to ring repeatedly with intent to annoy, Abuse or harass any person at the called number - 15 usc 1692e ( 2 ) The false representation of the legal status of a debt - 15 usc 1692f ( 1 ) The collection of any amount unless such amount is expressly authorized by the agreement creating the debt - 15 usc 1692g ( a ) Failure to provide the 5 things to prove the comsumer owes a debt within 5 business days. 

- 15 usc 1692b ( 2 ). Requesting location information from a family member saying i owe such debt - 15 usc 1692b ( 5 ) Using a symbol to indicate to the consumer that the debt collector is in the debt collection business - 15 usc 1692c ( a ) ( 1 ) calling the consumer at an unusual time or place - 15 usc 1692c ( a ) ( 3 ) calling at the consumers work place when it is prohibited to recieve such communication.

If this issue is not resolved i will be seeking {$15000.00} per FDCPA violations and Section 616 and 617 FCRA violations for reporting inaccurate information.
Product: Credit reporting or other personal consumer reports

There are 3 closed Department of EducationXXXX accounts on all three of my credit reports. One was opened in XX/XX/XXXX, one XX/XX/XXXX, and the last XX/XX/XXXX. All these accounts are older than 10 years and need to be removed from my credit report. I have contacted all three credit bureaus and they have done nothing and said everything was satisfactory when it is evident that all three student loan accounts are older than 10 years.
Product: Debt collection

In XX/XX/2018, my mortgage went up {$200.00} so I asked Conns If I could do something to make my payments lower. At first they said yes and then a couple of days later said no. This happened twice so to remedy the situation temporarily they gave me an extention for 2 months. Now that the extention is up, they are calling me every hour on both my landline and then my cell phone back to back. I can no longer afford {$150.00} a month payments - I was offered {$89.00} payments and then it was changed. I need to find out why.
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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: Debt collection

Dear XXXX Department, I am writing to dispute the inaccurate and unlawful reporting of medical debt listed on my credit report. This reporting directly violates both the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the XXXX XXXX XXXX XXXX ( CFPB ) final rule issued on XX/XX/year>, as well as Regulation F under the Fair Debt Collection Practices Act ( FDCPA ). 

On XX/XX/year>, the CFPB finalized a rule that prohibits the inclusion of all medical bills on consumer credit reports, regardless of the payment status, amount, or date of delinquency. This rule was enacted after findings that XXXX XXXX have little predictive value of creditworthiness, and that their inclusion on credit reports was often used as a coercive and abusive collection tactic. CFPB XXXX XXXX XXXX emphasized : > The CFPBs new rule ends the practice of weaponizing the credit reporting system to coerce patients into paying medical bills they XXXX not even owe. 

This rule directly prohibits credit reporting agencies from furnishing or maintaining medical debt collection tradelines. Further, Regulation F ( XXXX CFR Part XXXX ), which implements the FDCPA, places strict limits on debt collection practices, including misrepresentation and the communication of disputed or non-verifiable debts to third parties, including credit bureaus. 

The account ( XXXX ) listed below violate both the XXXX and letter of these protections : XXXX XXXX : Ability Recovery Services Account Number : XXXX Reported Balance : XXXX Date Opened/Reported : XXXX XXXX You are hereby formally notified that this account must be deleted from my consumer file immediately under the authority of : - 15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy - 15 U.S.C. 1681c ( a ) Prohibition on obsolete information - 12 CFR Part 1006 ( Regulation F ) Prohibited collection and furnishing of medical debts in violation of consumer rights- CFPB Final Rule, XX/XX/year> Barring the inclusion of medical bills on consumer reports I demand deletion of this medical debt from my credit report within 30 days as required under FCRA 1681i ( a ) ( 1 ) ( A ). If the item is not removed, I will file formal complaints with the CFPB, the FTC, and my State Attorney Generals office, and will seek legal remedies for willful and negligent noncompliance under 15 U.S.C. 1681n and 1681o. 

Please provide written confirmation of the permanent deletion of the account ( XXXX ) listed above. If you continue to report this information, provide the method of verification used, a copy of the information received from the furnisher, and a justification under federal law for reporting a medical debt now deemed unlawful. 

Govern yourself accordingly. 

Sincerely, [ XXXX XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX  and XXXX will not show me proof of validation of a bankruptcy showing on my credit file. I have disputed with all 3 bureaus multiple times and they still will not show proof. And I need  something done about this especially when they will not validate proof
Product: Credit card or prepaid card

I bank with Chase credit and chase bank since last year. 
My phone was lost and I had a card holder case for the phone case which was lost along with it. 
Someone had access to my online banking from it and I went into the branch in order to get a new debt and credit card replacement. I had change my login user IDs and passwords for all my online accounts ( wells, XXXX and chase ). This was reported within a XXXX since I had to go back to store trying to find my phone and cards. Went home and get on my computer to locate each cards contacts to report.
Product: Credit reporting or other personal consumer reports

I am reporting a complaint against XXXX XXXX XXXX and XXXX XXXX XXXX. There are incorrect late marks being reported on my credit history that are inaccurate. 

1. XXXX XXXX XXXX - reporting 1 late mark from XX/XX/XXXX. This late mark is inaccurate. All payments are made on time. 

2. XXXX XXXX XXXX - reporting late marks in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX of XXXX. Also reporting late marks in XXXX and XX/XX/XXXX. 

This is incorrect information. I have never made a late payment to these auto loans. I have contacted both credit lenders and they are refusing to help me. This is hurting my credit report and preventing me from applying for any loans. This information is inaccurate.
Product: Student loan

Approximately one month ago I reached out to Sofi to take the loans my parents took out ( Parent Plus ) and to refinance them into my name. I was told I would be getting them for {$650.00} per month at an interest rate of 5.25 % after auto-pay discount was put into my name. I have this over 12 emails - where  customer service employees told me this was the right amount. I was then given paperwork to fill out for a monthly loan of {$700.00} at a rate of 5.25 % post auto-pay discount. I was told by 3 employees - over the phone and over email that this monthly rate would go down to {$650.00} per month. 

When I was then approved for the loan, I went ahead and filled out an application for an apartment where I was under the assumption I had {$50.00} extra to use for my utility bill. Then I went to sign the final paperwork - after my loan approval - and asked to verify that the {$700.00} would go down. I was then told by multiple employees that " this was an internal bug '' that has since been fixed but I should go ahead and sign. To be honest, this feels like the definition of a bait and switch where I am being scammed into a price that I did not initially agree to, and was told would be a lower amount. I have tried to have conversations with them and they seem to not have any interest in reaching out. Is there anyway you can help?
Product: Credit reporting, credit repair services, or other personal consumer reports

Because of the ID theft and being a victim from the XXXX fallout it is literally impossible to upload supporting documents in a fraud case unless I pay all three credit bureaus {$20.00} a month I spend almost every day dealing with different errors and at the end they cant identify me. This makes the dispute process extremely difficult and that should not be that way for everyone. I would like all three bureaus to process my CPFB report and FTC report regarding the disappearing money from my account and the indirect nagtive reporting because if it and its non working app till the matter is resolved. 

According to them zero party nets have been made and XXXX dollars to saving when three have been made and should apply as they showed just weeks ago
Product: Money transfer, virtual currency, or money service

My mother is being scammed by a romantic scammer. He claims he loves her and will come visit her, marry her and make all her troubles go away. Her husband was in the XXXX XXXX for 20 years and he passed away XX/XX/2021. Her son passed away XX/XX/2021. She has medical issues along with XXXX. I have reported this to ic3.gov several times but haven't heard any thing from them. I think he has cleaned 1 of her accounts completely out, I'm not sure how much money he has scammed her out of in a month but it's been couple XXXX dollars.
Product: Bank account or service

ON FRIDAY XXXX XXXX, XXXX XXXX DEBITED MY CHECKING ACCOUNT IN THE AMOUNT OF XXXX. I IMMEDIATELY TRIED TO FILE A FRAUD CLAIM BUT WAS TOLD THAT I COULD N'T BECAUSE IT WAS STILL PENDING. IT TOOK 5 DAYS FOR THE DEBIT TO POST TO MY ACCOUNT. I IMMEDIATELY FILE A FRAUD CLAIM, ON XXXX/XXXX/XXXX I VISIT THE XXXX LOCATION WITH QUESTIONS REGARDING MY PENDING DIRECT DEPOSIT. I WANTED ACCESS TO MY DIRECT DEPOSIT. i SPOKE TO XXXX XXXX. SHE CALLS THE FRAUD DEPARTMENT AND WAS TOLD THAT IT COULD TAKE SEVERAL MORE DAYS FOR IT TO BE RESOLVED. AFTER SEVERAL MORE CALLS SHE SAID THAT THE BEST WAY TO GO WOULD BE TO BLOCK MY DIRECT DEPOSIT FROM MY CHECKING ACCOUNT AND TRY TO DIVERT IT TO MY SAVINGS ACCOUNT. I TOLD HER TO GO AHEAD AND BLOCK IT. SHE SAID I WOULD HAVE ACCESS TO IT FRIDAY AFTERNOON. ON FRIDAY AFTERNOON I CHECKED MY ACCOUNT AND STILL NOTHING SO I MADE ANOTHER TRIP TO THE XXXX LOCATION AND AFTER SHE MADE SEVERAL MORE CALLS SHE INFORMED ME THAT IT WOULD BE TUESDAY BEFORE I WOULD BE ABLE TO HAVE ACCESS TO MY FUNDS. YESTERDAY XXXX/XXXX/XXXX I LOG INTO MY ONLINE ACCOUNT AND MY DIRECT DEPOSIT HAD BEEN POSTED TO MY CHECKING ACCOUNT AND NOT TO MY SAVINGS ACCOUNT WHICH I WAS ASSURED WOULD NOT HAPPEN. I CALL THE XXXX BRANCH ( XXXX 'S DESK ) AND SHE IS OUT OF THE OFFICE. I TRY TO CALL THE MAIN NUMBER BUT CAN NOT GET AN ANSWER SO I CALL THE XXXX BRANCH. I SPOKE WITH XXXX ( I DID NOT GET HIS LAST NAME ). AFTER BEING PLACED ON HOLD FOR AWHILE, XXXX INFORMED ME THAT I NEEDED TO SEND A COPY OF THE RECEIPT WHERE I HAD RETURNED THE MERCHANDISE TO XXXX. HE GAVE ME THE FAX NUMBER AND I WENT DIRECTLY TO MY SONS PLACE OF BUSINESS AND FAXED A COPY OF THE RECEIPT TWO TIMES. I WAS TOLD THAT WITH THE RECEIPT THAT I SHOULD SEE MY FUNDS AVAILABLE BY TODAY. 
WHEN I CHECKED MY MAIL YESTERDAY EVENING, THERE WAS A LETTER FROM BB & T STATING THAT MY CLAIM WAS DENIED. IT WAS DATED XXXX/XXXX/XXXX WHICH WAS THE DAY XXXX FIRST WENT INTO THE XXXX LOCATION. IF THE FRAUD DEPARTMENT HAD ALREADY DENIED MY CLAIM WHY WAS N'T I MADE AWARE OF THIS ON THAT DAY. WHAT BOTHERS ME MOST ABOUT THIS IS THAT I WAS AT THE BANK XXXX XXXX & XXXX AND WAS NOT TOLD I NEEDED TO FAX ANYTHING OR THAT THE CLAIM HAD BEEN DENIED. 
I CHECK MY ACCOUNT THIS MORNING AND NOTHING HAS CHANGED SO I CALL THE FRAUD DEPARTMENT WHERE I WAS TOLD THAT THEY HAD NEVER RECEIVED MY FAX.
Product: Debt collection

I have told this companies that i don't have any business nor in the present nor in the past and for them to remove this collection from my credit report and they refuse to do so. 
i call then and they treat me, using intimidation tactic, tell them that i dont have any business and the acount have been paid. 
i dispute in multiple ocation to the credit bure and still in my report. 

i
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of the following accounts from my TransUnion credit report, as they were recently deleted from my XXXX credit report following a dispute and investigation : XXXX XXXX {$800.00} Account Number : ... XXXX Investigation Completion Date : XX/XX/year> Status : Deleted from XXXX report. 

XXXX XXXX XXXXXXXX XXXX XXXX  {$1100.00} Account Number : ... XXXX Investigation Completion Date : XX/XX/year> Status : Deleted from XXXX report. 

Following my dispute with XXXX, these accounts were thoroughly investigated and deemed unverifiable. As a result, XXXX has completely removed these accounts from my credit report. In accordance with the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), I now request that you, as a credit reporting agency, take the same action to ensure the accuracy and integrity of my credit report. 

Additionally, I have filed a complaint with the Federal Trade Commission ( FTC ) to document and report these issues further.

Consumer Protections Under the FCRA : FCRA Section 611 ( 15 U.S.C. 1681i ) : Requires that inaccurate or unverifiable information be promptly deleted from a consumers credit file. XXXX has determined these accounts are unverifiable, and as such, I am exercising my right to have them removed from my report with your agency.

FCRA Section 623 ( 15 U.S.C. 1681s-2 ) : Mandates that information suppliers provide only accurate and complete information. If XXXX has deemed the information unverifiable, it is your obligation to follow suit and remove these accounts. 
Required Action : I request confirmation of the removal of these accounts within 30 days or less from the date of receipt of this letter. Failure to comply with this request may leave me no choice but to pursue the following actions : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ).

Seek legal recourse as allowed under : FCRA Section 616 ( 15 U.S.C. 1681n ) : Provides for legal remedies in cases of willful non-compliance, allowing consumers to sue for damages.

FCRA Section 617 ( 15 U.S.C. 1681o ) : Permits legal action for negligent non-compliance. 
These accounts deletion by XXXX demonstrates that the information is not only inaccurate but also unverifiable. The burden now lies on you to ensure my credit report is fair, accurate, and compliant with federal laws. 

I appreciate your prompt attention to this matter. Please notify me in writing once these deletions have been completed.