23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mother in law passed away in XX/XX/XXXX. She divorced her husband in XXXX and legal proceedings were held to remove him from the morgage held by XXXX XXXX at that time. In XXXX the morgage was sold to M and T bank. They have been informed of our want in succesor of interest, however they refuse to alliviate XXXX XXXX, my divorced father in law, of his responsibility to the debt. After much discussion with XXXX XXXX and many document transmitals. Their final response from their representative, XXXX XXXX was that it, '' sounded like a XXXX XXXX problem and not a her problem ''. She also seemed to think we might be interested in coming into their New York based office from Texas.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a XXXX credit account on XX/XX/2017 and was approved for a credit line of {$400.00}. Shortly after, and without notice, my credit line was rescinded by the creditor, XXXX XXXX ( DBA XXXX XXXX XXXX ). However, they still allowed me to pay back the amount used ti purchase the air fare, which was {$270.00}. I have paid the balance in full but noticed this account has not been reported to the credit bureaus.
Product: Credit card or prepaid card

I applied for a Macy 's credit card in store at the register, and I was approve. However, days later, I received a letter stating that I was evaluated ( without my consent ) for a " Macy 's American  Express '' and was not approved. Macy 's without my consent used my information to evaluate my credit for a credit card for which I did not apply for ; creating negative inquiries to my credit score.
Product: Checking or savings account

I am a first-year international XXXX XXXX  at XXXX University ( please refer to Attachment 1 for proof ). I opened both a savings and a checking account at Bank of America ( BoA ) on XXXXXXXX XXXX XXXX, with the intention of using these accounts to manage my university stipends and cover my daily expenses. However, things did not go as planned. 

On XXXX XXXX, I received a paper check for my first month 's stipend, totaling {$6600.00}, from XXXX University ( please see Attachment 2 for my funding letter and Attachment XXXX for my paystub ). I deposited this check at a BoA ATM. Unexpectedly, on XXXX XXXX, I discovered that my accounts had been locked ( please refer to Attachment 6 for my transaction history ), and all my deposited funds were frozen. 

Concerned, I visited a BoA branch the next day to inquire about the issue. A specialist informed me that BoA had decided to close my account, suspecting that the check I had deposited was fraudulent. To substantiate my claim, I provided BoA with the front page of my check ( Attachment 2 ), confirming that XXXX University had indeed issued a legitimate check to me. 

However, when I revisited the branch on XXXX XXXX to follow up on my case, I was informed that their decision to close my accounts was final, and my check was still under investigation, which would take less than 1-3 months. Furthermore, they could only return the check to me if their investigation determined it to be genuine. As of today, the entire balance in my checking account, amounting to {$6800.00}, remains frozen by Bank of America. 

All the funds in my account are legitimate, and the check I received was issued to me by XXXX University for my stipend. Given these facts, I have no idea about why BoA chose to freeze my funds and close my account. Their actions are entirely baseless and have had a significantly adverse impact on my life. 

I hereby demand the following actions from BoA : 1. Swiftly restore access to my accounts. 
2. Release the frozen balance in my checking account without delay. 
3. Given that this situation arose due to BoA 's errors, and I have not engaged in any fraudulent activity, I insist that this case should not have any negative impact on my credit history. 

Attachments : ( 1 ) My XXXX University student ID ( 2 ) My funding letter from XXXX University ( XXXX ) My paystub from XXXX University 's portal ( 4 ) The front page of the check from the Trustees of XXXX University ( 5 ) Photographs of the check ( 6 ) My transaction history, provided by the Bank of America XXXXpecialist.
Product: Credit reporting or other personal consumer reports

1. an unknown person applied for a XXXX XXXX credit card in my name on XX/XX/XXXX 2. I received an alert from experian of a hard inquiry on my credit report immediately 3. On XX/XX/XXXX I called and spoke to XXXX credit card fraud line and they were able to stop the credit application. I requested they remove the hard inquiry as fraud and I was promised it would be done in 90 days.

4. I called back on XX/XX/XXXX and then again in first week of XXXX and on XX/XX/XXXX when the report had still not been removed.

5. I received a letter from XXXX credit reporting specialist that it had been escalated again to Experian and again promising 90 days.

6 as of today XX/XX/XXXX, the hard inquiry is still on my report. I can see it has pulled down my score.

7. XXXX refuses to make another escalation because it has not yet been 90 days since the XXXX escalation, but we are now at 5 months since I requested removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spoken with or written EQUIFAX 3x about the same debt. I am not disputing this debt, just the way it was reported! The original creditor was XXXX XXXX XXXX XXXX they stated the 1st date of delinquency was XX/XX/2019. This impacted my credit negatively by about XXXX points. Then they sell the debt to XXXX XXXX, i did not receive any type of communication for this but the collection account was added to my report as of XXXX and XXXX or more-points were deducted again from my report! I have been disputing the way this was reported and they keep denying the dispute stating that the debt is valid, I know that i am not disputing that. My initial dispute I stated that the debt was reaged due to it being the same debt, but the collection agency added to my report using another date. XXXX stated that the collection agency was in there right to add it to my report as a negative account therefore impacting me twice. I know i owe the debt but i am working on getting my credit together and it will take time, but it seems like these credit bureaus are not helping. They take XXXX or more points from you when you fall behind but once you get back on track, they want to add XXXX or XXXX points a month to your report and thats not fair!!!
Product: Credit reporting or other personal consumer reports

I recently did an investigation on my credit report and found several items that are 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 shalli ) 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. Please remove the following items from my credit report, immediately : XXXX **** XXXX Account # XXXX Date opened : XX/XX/year> Balance : {$700.00} Payment Status : Collection/Chargeoff XXXX XXXX XXXX Account # XXXX Date opened : XX/XX/year> Balance : {$700.00} Payment Status : Collection/Chargeoff Equifax XXXX XXXX Account # XXXX Date XXXX XXXX XX/XX/year> Balance : {$700.00} Payment Status : Collection/Chargeoff
Product: Checking or savings account

The transaction was made on XX/XX/XXXX, but i thought the transaction was wrong, so i disputed it using the chase app on XX/XX/XXXX. Later on, i found out the transaction was actually legit, so i called chase to reverse the dispute and pay the money back to the original payment party. On XX/XX/XXXX, i found that the dispute was reversed and the money was charged again. However, the company who is supposed to receive the money did not receive anything back. Called chase again on XX/XX/XXXX, they were saying the money was returned to the company and hung up on me twice without solving my problem. Basically, i was charge this money and not sure where this money went. Chase, please return my money!
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of identity theft as a result of a data breach. 
Fraudulent accounts and unauthorized inquiries have been added to my credit file without my authorization. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following accounts and inquiries be blocked and permanently deleted from my credit file : Accounts to be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Un-authorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX Account : XXXX
Product: Debt collection

The collection agency XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, IN XXXX, are reporting a {$0.00} debt on my report in which the debt was never paid out to them but to the original creditor. Also, never received any mail concerning any debt owed to this agency. I reached out to this collection agency after reviewing my credit report noticing this error to inform them to remove this account. I have also sent a dispute letter to this agency and have yet to receive any information about this account being deleted. I do not know this company as well as never have done any business with this company. This company does have a contract with my signature.
Product: Credit reporting or other personal consumer reports

These furnishers continue reporting false, inaccurate information on my credit report. XXXX, XXXX and Equifax continues to report the inaccurate information on my credit report that violations of my rights under the FCRA. In addition, here are some of the laws that continue to be broken at my expense! - Per Section 623 15 U.S. Code 1681s2 : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. - Per Section 623 ( a ) and 623 9 ( a ) ( 2 ) : Duties After Notice of Dispute from Consumer. If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. - Per Section 623 ( a ) ( 5 ) : Duty of furnishers to provide date of delinquency on charge-off, collection or similar accounts. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I contacted midland funding llc on XX/XX/2022 then again on XX/XX/2022 they sued me for a really old debt they never contacted me to tell me they sued me or to tell me of my court date ether when i called and tried to work it out they threatened me with court on XX/XX/2022 and said they will just garnish my check and wouldn't let me make a payment unless it is was in full they refused payments on both days 2 of the conversation 's where thru there online website. They are rude and hateful and they original debt wasnt half what they charged me. the added fees of over XXXX dollars on a XXXX dollar debt i tried to request dates and times thru a credit dispute but got nothing back. I explained to them they have to contact me about court dates as well and they said they dont have to this place is terrible to deal with and treat you like dirt please help. i payed the {$1200.00} because I want to fix my credit but the amount was wrong and just plan not fair to fee me more than the amount of the original debt ....
Product: Credit reporting, credit repair services, or other personal consumer reports

Attorneys for XXXX XXXX XXXX sued XXXX XXXX in XXXX County Court for an debt owed to XXXX XXXX XXXX XXXX. The debt was settled amicably in said Court on XX/XX/XXXX. A clearance of the debt and all relevant information was immediately forwarded to Credit Bureaus XXXX, XXXX and Equifax.

XXXX  and Equifax have failed or denied all attempts mark debt accurately.

Several more attempts have been made to clear this matter, including direct calls to bureaus representatives, to no avail.

As of XX/XX/XXXX, Bureaus XXXX and Equifax still advertise the debt as outstanding and late.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint involves XXXX accounts : XXXX ; XXXX ; XXXX ; and XXXX. These accounts are found on XXXX XXXX Credit Report XXXX. I am disputing the accuracy and legitimacy of these accounts and charges. When they initially surfaced, I contacted XXXX and advised them that I had never opened these accounts and I had never used or possessed these cards. subsequently, I provided XXXX all local Police Reports, Federal Identity Theft Task Force reports of the identity theft and fraudulent acquisition of the cards. I provided USAA the report from the U.S. Department of State as well as the Office of Personnel Management advising both me and my husband that we had been victim of a breach and that our information had been identified in use on the dark web. As a direct result, XXXX refused to conduct a comprehensive, reliable investigation in a timely manner that would have allowed the individuals responsible to be brought to justice. Instead, I was repeatedly told " our investigation does not indicate fraud. '' When asked to provide strict proof of their investigation and findings, I was met with hostility. I have been pursuing this matter now for over five years, to no avail. CREDIT CARD and CREDIT REPORTING AGENCIES have an affirmative obligation to Investigate Consumer Credit Report Disputes in a timely fashion and to provide the results of those investigations. XXXX and XXXX XXXX have failed to do either.
Product: Credit reporting or other personal consumer reports

Upon looking at my credit report I found negative listing from Credence Resource Management with a balance of {$1200.00} I never had an account with them.
Product: Mortgage

According to Veterans Benefits Administration XXXX XXXX, mortgage companies are to avoid reporting negative information to credit companies until the freeze ends. Our mortgage company continued to report the negative credit the entire year. We have had nothing but issues with XXXX XXXX, including XXXX lost checks that were mailed and never made it and mail arriving XXXX to XXXX  days after the date on the letter.
Product: Credit reporting or other personal consumer reports

Please check the information concerning the Equifax Data Brief below in attachments.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are a number of unauthorized hard credit inquiries on my credit reports. I did not make these inquiries. I have reached out to the credit reporting agency, as well as the companies, reporting the inquiry and have not been successful.. they each tell me I have to call the other to have the inquiries removed and I get nowhere.
Product: Credit reporting or other personal consumer reports

I have recently been informed that there is negative information reported by the below data reporting furnishers concerning me or some individual potentially mistook as being me. I am referencing files you maintain under my social security number. The below denoted item ( s ) reported by the also detailed accusing data reporting furnisher ( s ) are contentious at best given fact there appears at least 1+ deviations from the established credit reporting industrys expected abided by reporting standards for consumer credit portfolios, namely that of the mandatorily utilized XXXX XXXX Data-filled Field Formatted reporting standards of which the CDIA signaled ANY DEVIATION FROM THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA, which sure seems akin to the federal regulatory reporting mandates ( LAWS ) which hint to requisite that any prospective reporters of information MUST HAVE in play procedures, processes, and practices to ensure that any allegations made are done so to a degree no lesser than that of a MAXIMUM POSSIBLE ACCURACY and a MAXIMUM POSSIBLE COMPLETENESS. 

It is NOT A STRETCH to suggest that entities failing to meet BOTH the regulatory requisites AND have also failed to act with certifiable compliant reporting procedures, processes, and/or practices in conjunction with the above noted CDIA statement in concern to non-compliance of the standards established surely it is reasonable to wonder if a reporter has acted so egregiously to have potentially eradicated their assumed-privilege to report data of derogatory nature versus a consumer. In similar question would be the curiosity if or not such a violating entity has acted in willful even unlawful disregard of consumer rights and their own regulatory responsibilities. 

Did the reporting party ( ies ) act in willful negligence? Or in reckless abandon if not in absolute ignorance despite certainty of fact that each and all reporters know better or SHOULD HAVE KNOWN BETTER, being that reporting standards were in fact established for the very purpose to better ensure a reporters greater likelihood of successfully abiding by the state and federal reporting requirements of which they are under absolute obligation to obey. 

With the above statements and considerations, please act now to remove from reporting any derogatory claim forwarded by any below listed entity of which failed to report adequately by each the regulatory requisites as well as the established and mandatorily utilized credit reporting industrys XXXX XXXX Compliance standards :
Product: Payday loan, title loan, or personal loan

{$270.00} dollar loan was told to settle on XXXX XXXX for {$310.00} on my online profile it says {$350.00}, called in, now they say {$390.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX sold a past due account that was over two years old to collection agency. The account was time barred when sold to convergent outsourcing in XXXX of 2016. Neither company will help get this removed from my credit report.
Product: Prepaid card

Hello, I had a prepaid edd account. I never received any edd card for it and they denied my dispute. I have appealed it multiple times and received no assistance. i filed a claim and let them know i had previously changed the address on my card and still received no assistance in this. Please Assist in gaining my money back
Product: Payday loan, title loan, or personal loan

The date of XXXX XXXX I contacted the company to ask about my loan and stated to them that the interest rate was extremely high for an XXXX dollar loan.i have payed {$1000.00} over the last five months and only {$410.00} has been applied to my principal. {$590.00} have been applied to interest.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/XXXX Dear Sir/Madam I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ).

1. Restriction on Disclosure of Information ( Section 604 of the FCRA, 15 U.S.C. 1681b ) Pursuant to Section 604 of the FCRA, I demand that no disclosure of my personal information, including consumer reports, be made to any person, organization, or entity that is not legally authorized to receive such information or that does not have my explicit consent.

2. Right to Privacy ( Section 609 of the FCRA, 15 U.S.C. 1681g ) In accordance with Section 609 of the FCRA, I request written confirmation that my personal information, including any medical or insurance information, will not be disclosed to third parties without my prior consent, except as strictly required by law. This confirmation should detail the measures taken to protect my information in accordance with legal requirements.

3. Prohibition of Unauthorized Disclosure under Consumer Privacy Protection Laws Additionally, in line with federal and state privacy laws, I demand that no information contained in my file be disclosed to insurance companies or any other third parties without my explicit, written approval, unless required by law. Any unauthorized disclosure will be considered a violation of my privacy rights and will result in appropriate legal action.

I attempted to make this request through your agency 's online portal, but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner.

Below is the information necessary to process this request : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. 

XX/XX/XXXX SS XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX and Experian failing to probably investigate my dispute Debt Collection Practices ( Regulation F ) AGENCY : Bureau of Consumer Financial Protection.

ACTION : Final rule ; official interpretation.

SUMMARY : The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ). The final rule governs certain activities by debt collectors, as that term is defined in the FDCPA.

Among other things, the final rule clarifies the information that a debt collector must provide to a consumer at the outset of debt collection communications, prohibits debt collectors from bringing or threatening to bring a legal action against a consumer to collect a time-barred debt, and requires debt collectors to take certain actions before furnishing information about a consumers debt to a consumer reporting agency. 
DATES : This rule is effective on XX/XX/year>. 
FOR FURTHER INFORMATION CONTACT : XXXXXXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Senior Counsels, Office of Regulations, at XXXX. If you require this document in an alternative electronic format, please contact XXXX