23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Somebody deposited a fraudulent check in my bank account, I reported this to the bank and began a fraud investigation. They even stated that the individual went to a teller. This was not me so I agreed to close the account due to fraud. They stated that the accounts would need to remain closed with their institution and that It was being resolved. 4 years later while attempting to refinance an auto loan this debt shows on XXXX  although it doesnt show on any credit report inquiry before now. I attempted to contact Bank of America and was unable to get through to the right department even after visiting a branch I was told to just call. According to the report it is two separate accounts in the amounts of {$5100.00} & {$280.00} which I am not responsible for.
Product: Debt collection

On XX/XX/XXXX I went, in person, to the XXXX XXXX branch at XXXX XXXX XXXX to cancel my account prior to a move. 

The in-store representative charged me {$64.00} to settle the account and assured me that the account was closed, that I owed no equipment, and that I had no further debts with XXXX XXXX. 

On XX/XX/XXXX, at my new residence, I received a notice from a debt collector that I owe XXXX XXXX  {$0.00}. This billing is not only in error, but absurd. To threaten me with credit damage is offensive and to waste time and resources on such a ridiculous effort is abusive of both me and the credit reporting system.
Product: Money transfer, virtual currency, or money service

I 'm doing this thing with active hours and my bank. chase is not sending stuff on a timely matter my account is not being processed properly my bank is located on XXXX XXXX in XXXX  ohio it takes a couple of days to process stuff like sending my info or depositing money into account
Product: Prepaid card

XX/XX/scrub>XXXX XXXX card will not work. Website does not work. Called the number on the card. Customer service told me I need to fax them documents including my driver 's license and ss #. It's a gift card ; why do they want my driver 's license and ss #? Who has a fax? It's as though they do not want the card to work and they want to frustrate the customer into just going away.
Product: Checking or savings account

Thursday, XX/XX/XXXX, I entered branch to activate on-line access to my accounts. The tellers refused to assist, saying we do everything on-line now. After a few minutes one teller sat with me and helped set-up my cell number, stating it would take XXXX hours to access.3 days later I tried logging in, attempted the phone service team and was promised resolution in 3-4 days ; Very frustrating and I received no promised call from a manager. 

Now, weeks later, I tried again and your representative said it may take another 30 days to get this resolved. WHAT? This is my hard earned money being held captive and I am unable to transfer funds and pay my bills. I will be taking legal action for my grief as well as well as removing all funds from the bank as soon as I am able. 

This was the error code that takes XXXX weeks to look at ; We've hit a snag. 
Looks like something went wrong with the site, but we're working on it. Please try again shortly. 

XXXX OK Please visit our FAQ for more information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account XXXX - XXXX. I just received my credit report, I noticed that this account is reporting incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of {$2400.00}. According to the FCRA, I have the right to accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion
Product: Mortgage

This company : Closing USA LLC involved in my home refinance process in 2020, and all the closing process is done. 

However, when I review the document they supplied to us, there is one item called 'current property taxes due to XXXX XXXX ', the total amount is {$4100.00}, and I also reached out to XXXX XXXX admission department, the staff there confirmed that this amount of tax is paid by closing usa LLC , But I did not receive any Year 2020 form 1098 from Closing USA LLC till now, it is only one month left for the deadline of the tax return. I am very anxious. 

I tried to reached out to closing usa llc using phone, email, voicemail, but none response at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

The original creditor provided a letter that the information on my report is incorrect. TransUnion 's online system will not let me continue the dispute.
Product: Credit reporting or other personal consumer reports

Attached is an account that I saw on all 3 of my credit report. And the debt has {$0.00} balance and according to statue of FCRA limitations this debt has expired and is unlawful to report.
Product: Payday loan, title loan, personal loan, or advance loan

i bought a truck at a dealership and ally financial financed the truck and i have made every payment on time. but in may i made a payment like i haven since XXXX of XXXX  money was taken out of my bank and didn't think anything of it.well fast forward to end of may i get a automated text saying im 20 days late. so im confused because it says the money was taken out and sent to XXXX  which is a 3rd party used by ally. well they tell me that on thier said they never got a payment in which i told them im looking at my bank account and it says it was sent. so fast forward 3 more weeks and hundreds of calls to the bank, ally, and XXXX  they tell me to fax them a copy of my bank statement showing that the payment was sent though in may. so i did just that and waited 2 days to hear something. no one called so i called them and after sending them proof that i send the payment and the payment was processed to XXXX  they said there was nothing they could do and i still owe money. i like paycheck to paycheck and i told them there was no way i could make an extra payment and even if i had the extra money to do so they have my money somewhere in their system and they needed to find it and they said they would look into it so i waited 3 more days and never heard anything so i called them again and after 6 weeks and maybe 500 calls later they tell me again there's nothing they could do. so after providing them with every document they have asked for from bank statements of that day showing the payment going out of my bank going to XXXXally and the payment being processed they couldn't and wouldn't do anything about it so now to today our credit has dropped XXXX points and the payment i have made since then just go to the last payment and they cycle start all over and they stand on there's nothing they can do nor will do anything about the missing payment the is hurting my credit/ mental state and they i just have to find a way to give them more money even tho they have the money.
Product: Credit reporting or other personal consumer reports

Follow-Up Dispute Letter to TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Phone : XXXX Email : XXXX SSN : XXXX DOB : XXXX Date : [ Insert TransUnion Dispute Department XXXX XXXX XXXX  XXXX, PA XXXX Subject XXXX Formal Request for Verification Documentation Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX To Whom It May Concern, I am writing to follow up on the results of my dispute regarding the XXXXXXXX XXXX XXXX account XXXX XXXX ] that appears on my credit report. I received your response stating that the account was Verified as Reported. However, no documentation or evidence was provided to support this verification. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to request proof of verification, including the documentation used to verify the accuracy of the reported information. Therefore, I am requesting the following : XXXX. The name and contact information of the entity that verified the debt. 
XXXX. Copies of all documents used to verify the account, including any contracts, payment history, or correspondence with the original creditor ( XXXX XXXX XXXX ). 
XXXX. Proof that I was properly notified of this child support obligation and that proper procedures were followed when reporting it to the credit bureaus. 

I am disputing this account due to several inaccuracies, including the reported balance, payment history, and account status. Without the requested documentation, this account must be removed from my credit report as unverified information can not be legally reported. 

Please provide this documentation within 15 days of receiving this letter, as required under the FCRA. Failure to provide proper verification will result in further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and taking legal action, if necessary. 

Thank you for your prompt attention to this matter. Please send all correspondence to the address listed above or via email at XXXX. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

I purchased my home in 2006 from XXXX XXXX for {$220000.00} with a co-borrower who is no longer on the deed as we completed a quit claim deed to remove his interest. When XXXX XXXX went out of business, the loan was then transferred and serviced by XXXX  XXXX XXXX and the investment group is XXXX XXXX XXXX XXXX XXXXXXXX and SLS is also a Servicer for the same loan. I fell behind on payments and the foreclosure process began, which I have been fighting for almost 10 years now, I went to court on my own behalf for the first few years, then ultimately sought legal advice, but no permanent resolution was found. I have tried to obtain help having an audit performed but have been unsuccessful. It was determined that robo-signing happened during transfers, but nothing changed. My title has changed hands many times and I believe there have been breaks in chain of title throughout the process giving XXXX XXXX XXXX XXXX XXXXXXXX no rights to my property. I filed XXXX XXXX to stop the foreclosure, but that is not a resolution to my ongoing problem/fight. I am now in jeopardy of them proceeding with scheduling a sale date and am seeking help as time is of the essence.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I reviewed A copy of my credit report and it shows an account XXXX XXXX XXXX is not current with a balance of XXXX as of XX/XX/2021. This is a violation of The FDCPA if a charge off or collection account is reported with a balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following accounts has violated my rights : - XXXX XXXX  Acct # XXXX - XXXX XXXX Bank Acct # XXXX - XXXXXXXX XXXX Acct # XXXX - XXXX Acct # XXXX - XXXX  Acct # XXXX - XXXX Acct # XXXX - XXXX Acct # XXXX - XXXX Acct # XXXX - XXXX XXXX XXXX Acct # XXXX - XXXX XXXX XXXX  Acct # XXXX - XXXXXXXX XXXX  Acct # XXXX 15 U.S.C. 1681 Section 602A states, I have the right to privacy.

15 U.S.C. 1681 Section 604A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, 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 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

This Credit Reporting Agency is willfully violating the FCRA a multitude of times. They have no written permission from the consumer to furnish anything onto the consumer report. 15 usc 1681b. 

They have failed to send debt validation/Audit Trail. 

Im aware that they are using an automated system, such as XXXX to respond and are not investigating the issue in GOOD FAITH. 

15 usc 1681 ( a ) ( e ) : investigative consumer report. It cant be from a creditor of the consumer or a consumer reporting Agency. 

Attachment below is PROOF that alleged debt is invalid because it was PAID!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a letter in 4 months ago on XX/XX/2018 and I havent received any response through mail nor email. I take it that there isnt any original contract documents on me for the credit card account with XXXX XXXX with an outstanding amount of {$1800.00} and the inquiries listed on XXXX, Experian, XXXX. I have never given anyone any consent to inquiry inquiries on my credit file and this seems to be fraudulent and erroneous. I have attached a letter that I would love for you to carefully read. This is my third attempt since last year and this year combined. I hope we come to a resolution and your company completes an internal investigation on the account and inquiries because this seems like its becoming a problem and no one in the department is dealing with this situation or taking this matter serious. I repeat, please dont send me any XXXX XXXX messages stating that the inquiries are factual records nor is the account because I dont have a clue of who they belong to and I have contacted the creditors and havent gotten a response back. Its been more than 30 days for this matter. If this matter isnt resolve by Friday Im seeking legal actions against XXXX, Experian, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I discovered inaccuracies on my credit report provided by Equifax. The report listed several accounts that I never authorized and was unfamiliar with. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies such as Equifax have an obligation to provide accurate information and conduct thorough investigations when discrepancies are pointed out. 

Upon finding these inaccuracies, I promptly filed a complaint via the CFPB Complaint Portal, demanding that Equifax investigate these accounts and provide proof of their veracity. In the same complaint, I cited 15 USC 1681-2, which explicitly states that an entity should not furnish inaccurate information to a consumer reporting agency. My intention was to resolve these inaccuracies swiftly, as they were affecting my credit score and could potentially lead to more significant financial issues. 

The disputed accounts included multiple XXXX XXXX  accounts ( with duplicate amounts ), a XXXX account and a XXXX XXXX XXXX account, amounting to tens of thousands of dollars. 

Equifax responded to my complaint by deleting two accounts from my credit file, which I appreciate. However, the remaining accounts were not addressed adequately. Equifax merely stated that these accounts have been " verified '' without providing any substantial evidence. Furthermore, they did not answer my question regarding their adherence to 15 USC 1681-2, leading me to believe that my rights under consumer law may have been violated.

As of today, Equifax has yet to show any proof from the debt collectors that verifies these disputed accounts. Neither have they shown any steps they took to ensure the accuracy of the information provided by these debt collectors. I find this lack of transparency concerning, especially given the potential impact on my credit score and financial stability. 

I have reiterated my demands for these unauthorized accounts to be deleted from my credit file and for Equifax to provide clear, documented evidence for their verification. I also stated that if they fail to comply, I would seek legal recourse, including a small claims action against Equifax, for multiple violations including defamation of character, negligent enablement of identity fraud, and violations of the Fair Credit Reporting Act. 

I now anxiously await a satisfactory response within 5 days, including a revised and accurate credit report. Furthermore, I have also provided a legible and valid proof of my current address, which was previously deemed illegible by Equifax. 

Equifax 's improper use of my consumer report has caused significant distress and financial inconvenience. The Fair Credit Reporting Act was designed to protect consumers like me, and I expect Equifax to uphold its obligations under this law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2021, my husband and I were forced into illegal eviction. We were 15 days past due. Given the eviction moratorium, we would have more than enough time to make up for the late rent and therefore we challenge eviction, and the charges that we're processed. 

The debt in invalid as the landlord processed an illegal eviction and didnt work with us to process any of the federal assistance programs resulting from the pandemic assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX {$1800.00}, has violated my rights. 

15 USC 1681 SECTION 602 STATES I HAVE A THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER reporting agency can not FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD Account under an OPEN-END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
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 Experian credit bureau to validate this account ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 items from my 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 creditor. 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 update : XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX  XXXX, CA XXXX, XXXX CO XXXX Date Opened XX/XX/2017 Balance {$7900.00},
Product: Debt collection

XX/XX/XXXX debt collector tried to claim I owed over {$3000.00} when the debt was {$1700.00}. Refused to accept payment plan and/or tax return despite ( his ) lawyer saying ok to it. 
XX/XX/XXXX debt paid in full XX/XX/XXXX-XX/XX/XXXX more debt added to accound despite being paid in full. Also paid new amount in full. 
XX/XX/XXXX funds siezed from bank despite account being paid in full. 
To date no letter stating debt was paid has been recieved dispite state law requiring one within 21 days, and they will not return additional funds siezed above amount due and paid in full.
Product: Mortgage

My mom purchased our home in XXXX, she was on mortgage only and I was on the deed. 
The company that got the mortgage for us put her in a horrible loan, we tried to modify or refinance but they would not let us.. In XX/XX/XXXXmy mother passed I continued to make payments on house until XX/XX/XXXXthe mortgage went from {$1700.00} a month to {$2200.00} being a single mom with XXXX kids I could not afford a {$500.00} increase, Again I tried to modify loan on my own but being self employed I dont show I make enough to support the loan, even though Ive been paying the mortgage for the full 10 years out of my checking account. 
When my mother passed I sent the mortgage servicing agent her death certificate at the time at that time it was XXXX XXXX servicing agent, the mortgage got sold again and the new company Rushmore refused to talk to me about anything because they thought my mom was alive still. The house is now going to auction on XX/XX/XXXX and even though I sent them her death certificate and a letter stating my Husband wants to by house or assume mortgage they still wont contact us or even talk to me. Im also concerned that all the steps in the foreclosure were not met, I  was told they need to have the original note from original bank, which was XXXX XXXX XXXX  of XXXX at the time, in all the foreclosure papers the bank that owns the loan now is XXXX XXXX XXXX XXXX. 

I was recently married and my husband is preapproved for the mortgage. 
During this whole process Ive contacted the lawyer involved in forcloser numerous times and so has my realtor. Not once have we received a return call. I didnt go to the forcloser hearing because I felt they would not help me or listen to me. I would really appreciate any advise you might have for me and how I can keep my house, like I said I have have XXXX children XXXX still living at home and run a XXXX out of home.. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1666B ( a ) a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 USC 1681 ( b ) permissible purpose of consumer reports 15 USC 1681 ( 2 ) ( a ) ( I ) report containing information solely as to transactions or experiences between the consumer and the person making the report 15 USC 6802 disclosure of personal information to a third party without authorization is considered " identity theft '' In reference to late payments reported by : XXXX XXXX XXXX In reference to credit usage : XXXX XXXX XXXX XXXX XXXX XXXX