23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/2020, Bank of America closed my newly opened checking account just days after depositing a cashier 's check for {$5000.00}. I deposited the check on XX/XX/2020 and a hold was placed on the check until XX/XX/2020. On the morning of Wednesday, XX/XX/2020, Bank of America closed my account without notice after completing 2 transactions. I completed an ATM Withdrawal for XXXX, and a debit card purchase for XXXX. Shortly thereafter, I went to my local Bank of America branch to complete a teller Withdrawal. I was advised by the teller my ATM pin was incorrect and my balance was negative. When I disputed this information, I was told to speak to a banker. After speaking with a Banker, I was told the account was frozen and we needed to contact the identity theft department. Upon calling, the banker was advised that my account was closed and no further information could be provided. A check would be mailed out to me. No more detail was provided in regards to the account closure. I received correspondence from Bank of America that an additional hold was placed on the check until XX/XX/2020. It has been more than 2 weeks since depositing the check and I have yet to receive my funds in the amount of {$4100.00}
Product: Credit reporting or other personal consumer reports

I am stressed and displeased that I see so many fraudulent accounts on my credit report. 
This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. 
According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. 
Also it is illegal these companies should NOT be furnisher people 's information to XXXX party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately
Product: Credit reporting or other personal consumer reports

This is XXXX XXXX XXXX and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXX XXXX  XXXX Balance : {$330.00} XXXX XXXX Balance : {$480.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$26000.00} XXXX XXXX Balance : {$480.00} XXXX  XXXX Balance : {$0.00}
Product: Debt collection

I owe money to the State of New Jersey which I agreed to pay. I am in a payment plan of {$200.00} per month. Refund money was applied from federal and state money. Debt originally was {$15000.00} and now is approx {$6500.00}. I lost my job in XX/XX/2019 and informed them about this. XXXX XXXX is my contact person at Pioneer. I have been paying from Unemployment benefits and she keeps calling me when I am a month  behind. I told her that I am actively looking for work. I asked her also to reduce the payment amount and she declined to do it. Today, i received two letters threatening to sue me.
Product: Mortgage

We received a notice at our rental property in XXXX, North Carolina that we were late on our loan and needed to call immediately to address the situation. The notice stated that they were the Mortgage company Mr. Cooper ( or NStar ). I called the number and they have set up a false answering service that mimics the actual Mr. Cooper phone service exactly. Our loan is through a different company, so that is what tipped us off that this was a scam. The phone number they left us is XXXX. The fake loan number they gave to me when I called is # XXXX. I contacted the actual Mr. Cooper and they verified that it was a fake loan number and that the number was not their customer service number. The scammers have clearly put some time into this fraud and Im hoping someone can investigate and stop them from hurting anyone else.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've spoken with representatives from this company at least 2 times per month beginning XX/XX/XXXX. They offered me accommodations due to Covid-19 by moving my due date and allowing payment arrangements until account is caught up prior to my account becoming late. 

PURSUANT to the federal cares act 15 U.S.C. 1681 if a furnisher was offering accomodations prior to an account becoming past due, the creditor/furnisher must continue to report the account as current. 

XXXX did the opposite. They reported false, inaccurate info to the XXXX major credit bureaus in XX/XX/XXXX and now because I filed a dispute with the credit bureaus they have now retaliated against me and reported past due in XX/XX/XXXX, as well. 

This is illegal and in violation of law. I've spoken with XXXX and advised him of the law ( Cares Act ). 

XXXX has refused to continue to report my account as current affecting my credit score and the ability for me to get Financial assistance from the XXXX ( XXXX XXXX XXXX ) due to a XXXX point drop in my credit score. 

This is my final attempt before filing in federal court.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I opened disputes with Experian regarding an account with XXXX XXXX XXXX that is showing on my report that was settled in XX/XX/XXXX. The company removed this account from XXXX XXXX and XXXX, however after submitting documentation to Experian they continue to state that they have contacted the origninal creditor XXXX XXXX XXXX  and this information is accurate. I have all the documents and have spoken with XXXX XXXX who agrees that this should have been removed as they requested. XXXX XXXX XXXX sent Experian a letter as well as myself indicating that they do not own this account and the name of the new account holder which is XXXX XXXX XXXX. They still refuse to remove this from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

DEPTEDXXXX {$240.00} XX/XX/XXXX {$57000.00} DEPTEDXXXX {$140.00} XX/XX/XXXX {$12000.00} DEPTEDXXXX {$99.00} XX/XX/XXXX {$7700.00} DEPTEDXXXX {$75.00} XX/XX/XXXX {$6100.00} DEPTEDXXXX {$140.00} XX/XX/XXXX {$12000.00} DEPTEDXXXX {$140.00} XX/XX/XXXX {$11000.00}
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. 

Chapter 7 Bankruptcy Chapter 7 Bankruptcy STATE OF XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

Equifax : XXXX XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611.Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Product: Credit reporting or other personal consumer reports

Continue to report an FTC case on my credit report. Disputed multiple times. They do not investigate. 

Item disputed XXXX XXXX XXXX XXXX XXXX Issue type Account ownership and fraud issues Issue I am a victim of Identity Theft and have a police report or FTC ID Theft report. 
Confirmation # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I submitted a complaint to the CFPB about incorrect information that was reported on my credit report via Equifax Information Services LLC. I attached a Identity Theft report because my name is XXXX XXXX XXXX XXXX, not XXXX XXXX XXXX XXXX. I have attached my driver 's license and utility bill that clearly states my name as XXXX XXXX XXXX XXXX. The Fair Credit Reporting Act ( FCRA ) is a federal law that helps to ensure the accuracy, fairness and privacy of the information in consumer credit bureau files. Under the law, when credit reporting companies prepare credit reports, they are required to follow reasonable procedures to assure maximum possible accuracy of the information. Similarly, furnishers are required to investigate the accuracy of such information if it is disputed by a consumer. This information is continued to be reported inaccurately.
Product: Debt collection

Subject : Dispute of XXXX Collection Account I, XXXX XXXX, hereby declare under penalty of perjury that the XXXX collection account associated with my credit history is not mine and does not pertain to my tenancy or responsibility. 

I vacated the apartment located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MD on XXXX of XXXX. Any services, including XXXX utility services, initiated or continued at this address after my move-out date are the responsibility of the subsequent tenant ( s ). 

I confirm that I am not liable for the charges or debts incurred under this account after my departure from the premises. I request that this matter be updated in your records and removed from my credit report, if applicable. 

Should you require any additional information or documentation to resolve this matter, I am happy to provide it. 

Signed, XXXX XXXX XX/XX/XXXX
Product: Credit card

I have concerns about Identity theft So I wish the credit card company to stop all charges on card and reissue a new card or close the account. I wrote them using address for remittance of bill. I get a call from a supposedly Citi rep ( id on a cell phone ) id XXXX requesting personal information. She noted I had to use a cellphone and call XXXX ( number on my bill ). I called that number.the rep ( ( XXXX ) stated I can only call from a cell phone and type in a my personal info ( ssn, address, etc ). I explained I live in an area that does not have cell phone. She noted there was nothing she could do and I requested to speak with a Citi rep she refused or to provide an alternative number to call. Thus, I have no way to close the account without a cell phone. The requirement of a cell phone should not be a condition of having a charge card unless they clearly publish it. The call was automatically transferred to a third party call center service. Customers should be able to access to employees of the credit card company should the third party be unable to resolve the problem.
Product: Student loan

My loans were discharged in bankruptcy and XXXX XXXX is continuing to change the amounts and will not honor my discharge paperwork. I sent them a faxed copy of my paperwork. My balance went from XXXX to XXXX dollars
Product: Student loan

Hello, I cosigned a student loan back in college for a roommate of mine. Though now I know this is a risky situation, I did not know at the time. Recently, I applied for a job in which I was offered a position but once a credit report was obtained, I can not be hired until the student loan is not late. I am just the co-signer and can not make payments on it. I am trying to start my life anew, as I have a baby on the way ( due in XXXX XXXX I NEED the income. I know for a fact that the borrower has a job and is able to make the payments. What should I do?
Product: Mortgage

I was approved by Keep your Home California for a principal deduction up to XXXX, but my bank op not to participated. I 'm a single mother of XXXX and and take care of my of XXXX grandchildren due that their mother abandoned them, my son their father is currently in a XXXX XXXX in XXXX, & my XXXX mother - I 'm trying to make my monthly payment. I bought at the wrong time back in XXXX right before the market crashed in XXXX XXXX, and my payments keep going up, that I ca n't afford. I want to stay in my house, but if the bank will not help. I will be force to move and no where to go. Please help me stay in my house. I have applied for a modified loan and the bank said I do n't qualify for another modify. I 'm sure there is something out their that I can qualify for. Please help me stay in my house.
Product: Student loan

I attended XXXX University in XXXX NJ. I have tried to make payments. Over the past few years I have requested to lower my payment and was told I had no options and they could not help. If I knew that my payments would be so much I would never have taken them out. The financial stress is effecting all parts of my life. I am willing to make a payment but to expect someone just starting a career to payout {$600.00} a month and live on their own is not realistic. I have asked several times for different payment options for years and until I stopped paying the loan an option popped up but it will help for a few months by cutting the payment and then the monthly payment will increase higher than before! I do not feel as though students are being properly informed on what loans of this nature will cost us in the long run.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S.Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S.Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify thatiter of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Late payments listed on my credit report seem inconsistent with my actual history. Kindly investigate and resolve these errors.
Product: Credit reporting, credit repair services, 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 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.

15 U.S.C 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 5 accounts that are on my credit file that are due to identity theft and I have sent equifax the proper documents and they still will not remove the accounts. They told me that they cant remove them.
Product: Debt collection

XXXX is involved in a financial scam creating fake accounts using customer information and selling those accounts to debt collectors in order to generate a profit. I have tried to contact them in order to remove the fraudulent account, but they refuse to have any leadership look into the problem, then have customer agents tell me the account is closed and satisfied, but when I ask for paperwork to give the collection agency they hang up on me or tell me I dont need any. The fake account is a charge for {$130.00}. Issues like this happen every single time we have updated an address with them we receive things like, insane fees, incorrect charges on our account, randomly multiple fake accounts appear, degrade our service and then blame us for it and refuse to actually solve any of those issues or lie and say that the issues are resolved when they arent. They have even come out to our home and removed a splitter in order to cut our service while it was active and in good standing! We have only ever had 1 account with them and it is current. Any assistance you can provide is greatly appreciated.
Product: Credit card or prepaid card

I have submitted transaction disputes to this card companys fraud department because of fraudulent transactions made against my account. The first dispute was for transactions on XX/XX/XXXX, XXXX, XXXX totaling {$130.00} which were the result of Identity Theft, which I only discovered recently, and which has been properly reported and documented with local and federal authorities. I provided the reports of identity theft that Id filed but the company denied reimbursement for my claim. The second dispute related to a transaction that I made to an online retailer which was later discovered to be a fake company. I filed a complaint with the Arizona Attorney Generals Office and included that with my dispute for the {$120.00} that was debited from my account. As yet, I have not received any response to my dispute for that claim which I submitted on XX/XX/XXXX. I did send a follow-up letter on XX/XX/XXXX to this company demanding that my disputes be processed immediately and reimbursement for the unauthorized transactions be issued without further delay. I filed all disputes and written communications via an upload link provided by the company through email. I have not yet received any response from the company.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and unauthorized accounts have been added to my credit report without my permission. As per 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following fraudulent accounts be blocked and deleted from my credit file : Accounts to be Blocked and Deleted : XXXX. XXXX - XXXX - XX/XX/XXXX - {$630.00} XXXX. XXXX  - XXXX - XX/XX/XXXX - {$810.00}
Product: Credit reporting or other personal consumer reports

Experian, I can't create an account online with them. I can't manage the security freeze online or request a report from them, or request a score. I was unable to reach a person to request anything. I've tried endless phone numbers and options. They're the only one of the 3 I was unable to create an account with. They're the only one of the 3 I was unable to reach a person and resolve the issue with.

Several days in a row all I see is " Oops, we're sorry! We are experiencing technical difficulties. We have been notified and will actively work on fixing the issue. Please try again later. ''
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. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate. 

XXXX XXXX XXXXXXXX - XXXX
Product: Debt collection

Dear Sir/Madam, I am writing to formally dispute the collection account listed on my consumer report by your agency. Upon reviewing the pertinent consumer protection laws, I have identified multiple violations of my rights as a consumer under the Fair Debt Collection Practices Act ( FDCPA ) and the Consumer Financial Protection Bureau ( CFPB ) regulations. Firstly, under 12 CFR 1006.34 ( b ) ( 5 ), your agency is obligated to provide validation information regarding the debt in question. However, despite my requests, no such information has been provided, yet you have proceeded to report the collection on my consumer report. This is a clear violation of my rights as outlined in the aforementioned regulation. Secondly, I have not been afforded the opportunity to dispute the account, as required by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). It is imperative that consumers are given the chance to challenge the validity of a debt before it is reported to consumer reporting agencies, yet this fundamental right has been denied to me. Furthermore, it has come to my attention that your agency has engaged in deceptive practices, including false, misleading, and misrepresented information. Such actions are in direct violation of consumer protection laws and undermine the integrity of the debt collection process. Lastly, your agency has furnished this account to consumer reporting agencies without providing the necessary disclosures required by law. This egregious disregard for legal obligations is unacceptable and further demonstrates your agency 's disregard for consumer rights. In light of these violations, I demand that you cease all collection activities related to this account and immediately remove it from my consumer report. Failure to comply will result in further action being taken, including but not limited to filing complaints with the appropriate regulatory authorities and pursuing legal recourse. I expect a prompt response to this dispute and a resolution to this matter within [ insert timeframe, e.g., 30 days ] days of receipt of this letter. Please provide confirmation of the actions taken to address these concerns. Sincerely, XXXX XXXX XXXX