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

I had two credit cards with bank of america, both of which have been coded as bankruptcy. Although my report does n't officially show a bankruptcy ( because i have never filed bankruptcy ) it does state under the notes that accounts were discharged in bankruptcy, and this information is inaccurate. My mother was the person who filed bankruptcy. I have brought this matter to Bank of America in various opportunities within the last 2 years, to no resolution. Nobody is willing to help me. I have been turned down for credit, and the only reason is because my report states that Bank of America reported an account in Bankruptcy. In the past, credit agencies have closed their inquiries because they state that I do not have a BK on record, however, when you did into the bank of america accounts, the notes they provided indicate that there was a bankruptcy, and this is picked up when i apply for credit. These accounts have also been closed for many years. Please have them remove these accounts from my credit altogether.
Product: Credit reporting, credit repair services, or other personal consumer reports

You are in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated Credit Information and 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy. 

To XXXX, Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure were 100 % correct. Under 15 U.S. Code 1681e ( b ) ( 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 know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, 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 that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me with a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter.
Product: Debt collection

I have called this company numerous times. They tell me they will confirm with XXXX XXXX that the bill does not belong to me. I have given them my birth date and mailing address that does not match the person they are trying to collect from. I finally called XXXX XXXX and was told this particular collection agency like others will send these letters to anyone with the same name hoping someone will pay it. XXXX assured me they would have my name and address taken off as my birth date and other information it was not even close to the person they are trying to collect from. 

XXXX XXXX- XXXX the Debt does not belong to XXXX XXXX XXXX at XXXX XXXX XXXX XXXX NC XXXX. Please stop sending me letters.
Product: Debt collection

I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. I am writing to express my extreme disappointment with the inaccurate and incomplete information that you have reported on my credit report. The information provided for the following accounts is insufficient for proper validation, and I demand that you take immediate action to remove them from my credit report XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. I expect you to conduct a thorough investigation into these matters and provide me with any supporting documentation used to validate these debts. As per my rights under the Fair Credit Reporting Act ( FCRA ), I am entitled to have accurate and verifiable information on my credit report. The other credit bureaus have successfully expunged these accounts from their records after identifying an error. I am perplexed as to how you have verified it when the other bureaus have already removed it. Kindly remove these entry from my file as it is inaccurate, erroneous, incomplete, or unverifiable. Also, I am compelled to reiterate the matter concerning unauthorized credit inquiries made by the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  XX/XX/XXXX. I categorically did not grant authorization for any representative from these companies to probe and access my credit report. This infringement stands as a clear violation of the Fair Credit Reporting Act Section 1681b ( c ), constituting a severe breach of my privacy rights.
Product: Checking or savings account

XX/XX/XXXX XXXX XXXX payment XXXX XXXX XXXX XXXX both were taken out with a positive balance on XX/XX/XXXX got email from Webster bank saying in sufficient funds but account showed positive balance
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX. ) # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX OFF LEASE ON XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I am told I will hear for bank of america and do not, in the numerous times I have been promised.
Product: Student loan

For the past 3 months I have called at least 4 times to get this squared away. After waiting 60 mins on average on hold I finally get a person and they tell me they will update my account but nothing happens. Now my payment is due and it shouldnt. 

I made payments due a freeze time from XX/XX/XXXX to XX/XX/XXXX. I got an email stating that those payments would be credited in XX/XX/XXXXXXXX  and advance my account. 

It has not happened and now its due today. 

The customer service agents are nice but their system sucks. IF you can figure out the complex automated system you then wait about 50 mins for an agent. 

Then the agent will tell you they will fix your issue but 4 calls later still nothing. I need MOHELA to advance my payments like they say they will but never do.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was leaked on to the dark web and used to purchase a vehicle from XXXX XXXX XXXX XXXX, the following accounts is unauthorized and unverified : XXXX Account # XXXX, XXXX Account # XXXX, Equifax Account XXXX XXXXXXXXXX****. I am writing this report in hopes to get the problem resolved as soon as possible. I uploaded a FTC report as well as my Driver license and bank statement for proof of address. thank you very much...
Product: Mortgage

My reverse Morgage is on my residence only. I live in a rural area and found out that the appraisal was incorrect instead of 4.82 acres in residence it reflected 25 acres. Lendor RMS wanted me to submit a " PARTIAL REAL ESTATE '' releasement. The tax records agree with me 4.82 is the correct figure but when an appraisal was run to get a loan the error was submitted.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a DSNB MACYS account reporting on my credt. I have no IDEA as to what this account is and believe it was opened fraudulently. Upon contacting DSNB they told me that they have someone else 's birthday and last name associated with the account. I woud like this account to be removed from my credit profile as it doesnt belong to me.
Product: Mortgage

I have a home loan that is serviced by Ditech Financial. They have been ripping me off for months through an illegal " escrow account '' and will not respond to my multiple emails about the issue. They are applying {$88.00} of my monthly payment ( starting in XX/XX/XXXX  ) each month to an " escrow account '' for " earthquake/A, '' whatever that is. I did not initiate an escrow account with my mortgage for taxes or anything else, nor have I ever requested or authorized one. Nor is there any legal basis for them to initiate one unilaterally. Our taxes are paid, our private homeowners insurance policy has always been in place. 
I recently spoke to Ditech 's own insurance services group and they confirmed there was NEVER A LENDER PLACED POLICY ON MY LOAN. They had no information about my escrow account and directed me back to general customer services. 

It's near impossible to get their customer service people to answer the phone. When I have gotten through, on XX/XX/XXXX, I was told they would open an escrow account review and it would be done in 30 days. That I would receive a copy of the review. I never got any response, despite multiple follow-up emails via their website. It's now XX/XX/XXXX. When I call the other customer service people told me they have no information, they can't contact their own escrow department, I just have to wait, etc. When I ask to speak to a manager I'm put on hold for over 45 minutes only to finally give up. 

If you look at the customer reviews of this company on the consumer affairs website it's clear this company is ripping people off all over the country through their unethical and illegal accounting practices. Some have lost their homes. It's a complete disgrace. Someone needs to do something about this and hold the people running this company accountable. Individual mortgage holders don't have the resources. 

XXXX XXXX, XXXX XXXX CA I can be reached at XXXX XXXX. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX, Experian and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Balance Owed XXXX {$390.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$140.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$560.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$170.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$140.00} ; XXXX XXXX XXXXXXXX XXXX Balance Owed : {$73.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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
Product: Debt collection

The issue is with XXXX and not the collection agency. I was in Nevada in my RV staying at an RV park. The parks internet did not work so I went across the street to XXXX  where I purchased wireless internet for my RV. The rep that helped me said she has to put the RV park address and not my home address because I was in Nevada. She said once you get home you can go to any XXXX store and update it with your current home address. I did that. I got home and went right to the XXXX store and updated my address with the reps there. 

Months have passed and one morning I woke up to multiple zero balance credit accounts being closed because of a recent collection. I pulled my credit and saw it was XXXX. I called XXXX and they had all the RV park information on file still after I went in and changed it. I was transferred multiple times and after hours and hours and only filipino support, I didn't know what to do. I tried explaining I did what I was supposed to do as a consumer and updated my address. 

I feel I was set up from the very beginning by the sales agent and the incompetent employees at the local XXXX  store. Today I called the collection agency and paid the debt in full. XXXX  needs to be held accountable as they do not even have anybody to speak to or escalate issues like this. I even went in to speak with them in person and they said it was turned over to their collection agency and they could not do anything. This whole situation has been so frustrating.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting ACT, this creditor has violated my rights under 15 USC 1681 section 602 i have the right to privacy15 USC1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 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 or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX accounts showing on my credit report were all placed in bankruptcy XXXXchapter 0n XX/XX/2018 and I was authorized user not. They should not be show on my credit report as still open and delinquent. Are Affecting my credit Score
Product: Mortgage

In 2019, I unfortunately filed for XXXX XXXX bankruptcy. This was the result of a XXXX  I had, which made me incur more debt load, in addition to an inability to generate savings at that time. I did reaffirm my MORTGAGE ( MRTG ) with US Bank, but was told an internal memo prohibited reporting of MRTGs that have been included in the bankruptcy. This was news to me, as my lawyer assured me it would be reported. 

My MRTG is a Federal Housing Administration ( FHA ) loan, so is there any recourse that I have here? I find it a little concerning that a bank drafts an internal memo that the public can not see or is not made aware of, especially when it impacts the customer 's account ( s ). Additionally, I can not access the MRTG payment side of the online banking, which isnt a big deal entirely ; however, it does make my MRTG payment late by 5 or so days since I am forced to transfer the funds from XXXX  or write and deposit a check electronically.
Product: Credit card or prepaid card

I XXXX XXXX attempted to remain in honor by tendering payment via an ambiguous negotiable instrument in the form of a U.S. postal Money order. Which Cleary states at the bottom that it is a negotiable instrument which I brought and paid for the right to negotiate it. Money Order XXXX ( Amazon ), XXXX ( Pay Pal # XXXX ), XXXX ( Pay Pal # XXXX ) was made with the proper clauses and provisions based on banking law in the amount of XXXX, XXXX, XXXX in accordance with HJR-192 public law 72-10, UCC 3603 ( b ) UCC 3-311 and public law for negotiable instruments to Synchrony Bank on XX/XX/2023. They accepted my instrument but did not credit my account correctly I did call and spoke to an XXXX and they refused to stand in honor of the law by applying the proper payment even with the agreeing that they do accept legal tender, which is what I provided. Even with the ability for the instrument to remain negotiable which is an even greater benefit fir them. 
I am filing this complaint and asking for an immediate investigation to rectify the situation without levy so they may remain in honor. As it stands, they are committing ab illegal act and are currently in dishonor, as their practices are against the laws in which our country is built on.
Product: Credit reporting, credit repair services, or other personal consumer reports

company emailed me and said they could not deliver it. i had written them letting them know we had fires, toxic severe smoke, were on a lockdown and this household had covid. they were supposd to deliver it two months earlier but never replied, then one day i get the email saying the couldn't, so account was to be closed. they cancelled. yet, they not only kept the charge acct active but they ruined my credit and imposed late fees on a fraudulent charge. i am seeking interest in the amount of 1.2 percent each day account remains open from the date they opened it, the credit report not fully repaired, and for time spent emailing and repairing the credit in total of XXXX i am also seeking arbitration through Fair Shake and a class action attorney and have reported this to CA, SEC XXXX and DA.
Product: Credit reporting or other personal consumer reports

Unauthorized and fraudulent inquiries from " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX.
Product: Credit reporting or other personal consumer reports

My Experian credit report contains unauthorized credit inquiries that should never have been reported, and I find this completely unacceptable. These errors raise serious concerns about the reliability of your reporting process. The presence of such incorrect information is negatively impacting my financial stability, and I will not stand by while these mistakes go unaddressed. 

As a consumer, I have a legal right to a credit report free from false or unverifiable data. The FCRA mandates that all reported information be accurate, and any errors must be corrected immediately. I demand a full investigation and immediate corrective action. Any delay in resolving these issues will not be tolerated. My report reflects unauthorized inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These inquiries must be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 60 ) days late on the XXXX XXXX partial account numbers XXXX and reporting incorrectly that I am ( 30 ) days late on partial account numbers XXXX. ( Please see pages attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit card or prepaid card

I was a customer of PNC Bank. I had a personal checking, money market savings, business checking, business credit card, and auto loan all with this bank. 

I received solicitation from PNC on or about XX/XX/XXXX for a promotional 0 % APR balance transfer for business credit card. On XX/XX/XXXX I took advantage of this promotion and completed a balance transfer of {$5800.00}. They increased my credit line to complete this promotional balance transfer. On XX/XX/XXXX I received multiple letters from PNC for each account held with PNC stating that they will close all account on XX/XX/XXXX. There reasoning was that " they reserve the right to close accounts ''. 
Contacting them directly did not provide any more information. 

They closed the credit card account that we completed the balance transfer. And removed the promotional 0 % APR and now is charging me finance charges on this balance. 

I do not understand why they closed all of our accounts. We had done nothing against their policy. We moved all funds and opened new accounts at another bank. The issue we are having now is that the solicited us to do a balance transfer and almost immediately closed the account and removed their promotion. We pay {$500.00} a month and not missed a payment.