23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have collections on my credit report from CBE group through XXXX. The amount is for {$370.00}. This is a charge for equipment that was turned in back in XXXX! I contacted XXXX when I saw this on my credit report. The customer service rep agreed that the equipment was already returned to them. They called as a follow up to the situation and verified everything was returned to them. Two different customer service reps agreed that the equipment was returned. I really dont understand how this collections account is still on my report. This was XXXX mistake!
Product: Credit reporting or other personal consumer reports

I have file an FTC Complaint, Report # XXXX against XXXX XXXX for fraud. This company continues to place erroneous credit files on my credit file. I have had no business with XXXX XXXX or benefited from the use of a XXXX XXXX credit card. 

The account XXXX does not belong to me. This company only changed the remarks on this account and does not verify the account. I have been provided no proof that I have entered into any contract with this consumer. Stated that you have an address on file for me is not validation. Per the FCRA, this account should be removed immediately. 

Also this account is listed as a charge off account. I have not received a W2 for the amount charged off if this is indeed attached to my credit file. Remove the account or failure to remove account entitles me to compensation per the FCRA.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit card

We sold our home and forwarded mail to a professional sorting facility since we had no permanent address. We received all our mail fine with the exception of the Shell Gas card mailings which we had received for years just fine. We had used the card once in XXXX billing cycle and did not use it further. After a few months I received notification that my credit score had gone from well over XXXX to less than XXXX due to past due reports from Shell/CBNA. As soon as I discovered a balance due ( we had not received any bills from them ) I called to take care of it. When I called customer service they confirmed that they would remove any negative reports sent and admitted they had all the mail in question returned to them ( strange since we had no issue with anyone else ). They removed the late fees and I made payment right then for about {$70.00} which was the total balance. After a couple of weeks I received a letter stating the negative credit reporting they sent would not be removed. I was furious! I called again and they would not budge on their decision. I closed my account with them forever! They have a policy that if you have no balance due you will not receive correspondence. I did not receive anything. They send mail first class which means I should have received it no problem. I have worked years!!!! to have a stellar credit rating and perfect payment history only to have it tarnished by these lousy people. I may as well default on everything if something little like this takes your rating down that fast so easy! Whats the point in trying so hard to do good!
Product: Checking or savings account

I deposited a check to my business checking account at Bank of America via the mobile deposit app on Thursday, XXXX When I entered the amount of the check I made a typo and put in {$1400.00} instead of {$2400.00}. I notified the bank and they said it would be corrected when they processed the check. It was corrected when it was processed, however, Bank of America put the check on a 7 business day hold! The check cleared XXXX XXXX on XX/XX/ and the money was removed from the XXXX XXXX account. 

Bank of America will not explain why they are still holding the deposit despite the fact that they money has been transferred from XXXX XXXX to Bank of America. I have spoken to Bank of America 5 times and they opened a case to see if they could get the processing team to expedite the hold, but it has not happened. 

Can you please help me find out why Bank of America will not release the deposit which has already cleared XXXX XXXX?
Product: Checking or savings account

On XX/XX/year> I used my debit card for a XXXX deposit on a room at the XXXX XXXX XXXX. When I checked out the charge was to be released. After a week it was still showed pending. I called the hotel, they stated the hold has been released and that it was on the bank side. I contacted Cash App and inquired about the pending status. They said I needed to provide info from the hotel showing it was released, which I have done several times. They come back with a response that not all the info they requested has been provided but refuse to let me know what info is missing. I have copies of all our conversations and the documents I have sent to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is against the credit bureaus i disputed incorrect information on credit reports i sent letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and i have yet to recieve a response period. I am filing a complaint the following account XXXX XXXX a creditor is reporting incorrector open of this account ex open XX/XX/XXXX but XXXX   and XXXX reporting open dates of XX/XX/XXXX the date of last activity reporting XXXX XX/XX/XXXX and XXXX XX/XX/XXXX how is it possible for this account to be open after the lease date also how is this reporting two different dates of last activity this account has been reaged and also is not reporting any payment on my credit report I also attached a lease agreement and proof of last payment.according to my credit report how can XXXX report the open date and last activity as the same. 
XXXX XXXX is reporting incorrect open dates three differents of last activites all across the bureas how can they be incompliance with the FCA when they wont correct or delete inaccurate information on my credit report, i have attached lease agreement credit report proof of payment ...
Product: Checking or savings account

On XX/XX/2022, I received an email that a bank of america checking account had been opened using my old BofA account from multiple years ago. I was able to get logged into the account and change my password. No money had been moved anywhere and none of my information was changed. But I did not consent for this account to be opened. I am currently on hold with their fraud department.
Product: Credit reporting or other personal consumer reports

I am personally filing this complaint regarding late payment entries on my credit record. During my review, I identified these late payment notations. I sent correspondence about this issue more than 30 days ago, but have received no reply, nor has adequate validation been provided. I seek your help in addressing and resolving this situation.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated last XX/XX/2022, but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Good Afternoon, I have a mortgage loan from XXXX XXXX XXXX XXXXXXXX from XX/XX/XXXX. 
I subsequently researched the note, and I found out that person who signed my note ( allonge ) was not an authorized or official officer of the XXXX XXXX, instead she was an title closer, Lastly, the Note was signed in blank. 

Currently, my home is being foreclosed on, and there is evidence and affidavits that person who signed the note, acted out of capacity to defraud both the banks and myself of {$620.00}, XXXX. 

Wells Fargo Bank XXXX, as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. are claiming to have the new assignment from XXXX XXXXXXXX. To date, there are no official endorsements or business records, from XXXX  XXXX, to Wells Fargo. 

The Plaintiff, Wells Fargo Bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, having its principal place of business at XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX is a Foreign State Banking Corporation duly licensed , organized and existing pursuant to the laws of their state doing business in the State of XXXX XXXX. 

Wells Fargo Bank, XXXX was never a legal registered occupant at the mentioned address during the dates of the Summons and Complaint. ( The landlord for the said property never rented, acknowledged them, never officially meet Wells Fargo Bank, XXXX, employees, management or staff, at the commercial space ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX did not give any creditor or credit bureau to report negative items on my credit report. according to FCDPA 15 U.S.C. 1681b my right to privacy is violated therefore i demand payment to me of no less than {$100000.00} for this violation of law.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on [ insert date of report ] and I noticed an unauthorized inquiry had been made. 

I contacted XXXX XXXX XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 

I request that you initiate an investigation into XXXX XXXX XXXX inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter,
Product: Credit reporting or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance Owed {$6300.00} XXXX XXXX XXXX XXXX Owed {$1200.00} XXXX XXXX XXXX Balance Owed {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX {$140.00} XXXX  XXXX XXXX XXXX Owed {$120.00} XXXX  XXXX XXXX Balance Owed {$85.00} XXXX  XXXX XXXX XXXX Owed {$69.00} XXXX XXXXXXXX XXXX XXXX Owed {$79.00} XXXX XXXXXXXX XXXX XXXX Owed {$83.00} XXXX XXXXXXXX XXXX Balance Owed {$150.00XXXX XXXX XXXXXXXX XXXX XXXX Owed {$73.00} XXXX XXXXXXXX XXXX XXXX Owed {$84.00} XXXX XXXX XXXX XXXX Owed {$61.00} XXXX  XXXX XXXX XXXX Owed {$84.00} XXXX XXXXXXXX XXXX XXXX Owed {$0.00} XXXX XXXX XXXX XXXX Owed {$0.00} XXXX XXXX XXXX Balance {$12000.00} XXXX XXXX XXXX Balance Owed {$2400.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is not providing proof of their investigation and continues ti keep erroneous information on my consumer report. 

See attachment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018, I was calling Experian 's advertised number on their website to cancel the membership service, for which they automatically charged my credit card for {$24.00} each month. I called XXXX on XX/XX/2018 and waited until XXXX to get a live person. He told me that he did not have access to this type of account so he had to transfer me to another person with access to the account. I said this is the number I was told to call to cancel my account. He said " yes this is the number but I don't have access, do you want me transfer or not. '' When I asked him if that meant I may have to wait another 45 minutes, he said he did not know how long. He said he worked at the company 's XXXX XXXX service center. He was very arrogant and cold. By the way this is the only way they can cancel my membership, but I am not able to get through. I feel like I have been hijacked by the company. The only way I am able to get off is to call my credit card company and stopped payment. 

Below is the quote from their website : How do I cancel my membership? 
If for any reason you are not satisfied, you can call us to discontinue your membership and stop the monthly billing. However, you will not be eligible for a prorated refund of any portion of your current month 's paid membership fee. To cancel, please contact Customer Care at XXXX.
Product: Credit reporting or other personal consumer reports

I am responding to XXXX  dispute results delivered to me on XX/XX/XXXX. Report # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. According to 15 U.S. Code 1681e - Compliance procedures. ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I have shown proof of document via bank statements to prove i was never late on XX/XX/year> and XX/XX/year>.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Experian and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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. 

XXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX - XX/XX/2023 - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX, Experian, and XXXX have 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 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 or 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 data is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX Report Number # XXXX XX/XX/XXXX XXXX XXXX  collection account added in XXXX report, Credit score dipped by XXXX points XX/XX/2023 : Raised dispute to XXXX XX/XX/2023 : Got response from XXXX without any details XX/XX/2023 : Decline new credit card due to derogatory comments I am writing to dispute against credit score impact ( related complains XXXX and XXXX ) due to collection account listed on my credit report under XXXX  account # XXXX, reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The original creditor for this account is a medical providerXXXX XXXX XXXX XXXX XXXX XXXX XXXX, and the account is related to in-home medical services rendered. I am disputing this debt for the multiple reasons, against unfair practices, unequal treatment and unclear policies. 
Lack of Communication : I havent received any written communication either from original creditor XXXX  and collection company XXXX XXXX XXXXXXXX XXXX XXXX  ) regarding accounts being transferred or sent for collection. Dispute was raised through XXXX, have XXXX verified if XXXX have followed all the procedure as per Fair Debt Collection Practices Act ( FDCPA ). Can XXXX have proof of any mail correspondence from XXXX to me for this account. 
Lack of Validation : I have not received adequate validation of this debt and proof of services as per my rights under the Fair Debt Collection Practices Act ( FDCPA ). I havent received any details from XXXX against dispute filed against this account, what all aspect XXXX have validated before account was added to credit report and during dispute resolution. 
Lack of Customer focus and voice : Being customer to XXXX and exceptional credit history then why credit bureaus dont have pro-active policy to re-check facts before adding collection account and credit impact. If a customer has raised a dispute, then why XXXX dont have additional safety for customer to first investigate and not to let such account impact credit score.

Clarity on Credit score : How credit score is calculated, what is weightage of third-party medical debt and why a collection account has too much impacted-on credit score while 30+ other accounts are 100 % in good standing?
Product: Mortgage

Company bought mortgage from XXXX. When we tried to set up auto payment for the month of XX/XX/2022 we werre told online portion was not ready.. When we went back in on XX/XX/XXXX auto payment was set up. Then on XX/XX/XXXX we were told we are all set automatic pyments will be taken We thought payments would be taken for the month of XXXX. That was not the case. It was taken for only XXXX and every month after that. As a consumer who paid every month we unknowingly missed the same month we had set up auto payment. How maddening!!!! We immediately paid after month of paying but still missing that month. When we finally realized and paid we even explained that we thought it had taken for that same month we set up and its the fault on the company because they confused us. Now, The company refuse to remove this from our credit score. This has impact our score greatly for the fact we had been paying our mortgage. Can something be done to fet this negative report off my credit history? Especially since i did not know, and paid as we recognized it.
Product: Credit reporting, credit repair services, or other personal consumer reports

A fraudulent account was opened in my name through XXXX on XX/XX/XXXX. My credit file was locked through Experian and I was not notified by Experian of an inquiry on my credit or a new account. At this time there were charges to my debit card through XXXX to XXXX. This was the first I had heard of XXXX. I disputed the charges with XXXX and they were able to credit my account for the fraudulent charges ( XX/XX/XXXX ). On XX/XX/XXXX I got another charge from XXXX and I instructed my bank to put a stop payment on anything associated with XXXX XXXX. Around this time I opened a new bank account because I was frustrated with all the fraud I had been dealing with on my XXXX  account. Through this new bank account I got a membership through XXXX On XX/XX/XXXX I received an alert from XXXXt that XXXX was reporting a new account in my name through XXXX ( this was the first I heard there was a fraudulent account opened in my name ). I disputed the account through XXXX and they still have not gotten in contact with me regarding the results ( current date is XX/XX/XXXX ). On XX/XX/XXXX I got another alert for the same XXXX account through Experian. I have a monthly subscription to Experian and always have my credit file locked so at this point I was confused and disappointed that the account was able to be opened in the first place and that Experian had never reached out to notify me. I then submitted a dispute through Experian. The results of the dispute ( I received on XX/XX/XXXX ) were that all information was correct and it would be left as is. I tried calling the phone number for Experian but as per usual it was impossible to speak to a representative and their menu navigation options were not applicable to my situation. I then reached out directly to XXXX XX/XX/XXXX and they were able to resolve the issue on a 30 minute phone call. I received a letter from XXXX stating the account was in fact opened fraudulently and everything would be taken care of. Im very disappointed that Experian let the account open ( since my credit file was locked ), Experian did not notify me of an inquiry or new account and Experian was not able to resolve the issue. Experian has also been very difficult to work with. Its almost impossible to speak with a representative and their automated call system is confusing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX or XXXX XXXX is breaking the laws. First of all the same loan is listed twice. Secondly they repossessed the car I gave it back voluntarily. They came to the XXXX  I was at asked me where it was. I told them. They then sold it and never notified me about it which they are supposed to by law. Then took the money and sued me for it. This is illegal in so many ways I was in XXXX