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

On XX/XX/23 I submitted a dispute to the credit reporting agencies to validate and send physical evidence such as a signed contract by me or signed agreement between the accounts reporting. The following accounts are XXXX XXXX and XXXX XXXX. They have not produced such documents verifying these accounts to me. Please see attached letter. As per 15 US 1681 ( e ) ( b ) 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. the are non compliant and negligent with the information they are producing on my behalf.
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 XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXX  XXXX, Account name : XXXX XXXX XXXX  XXXX, Account name : XXXXXXXX XXXX XXXX XXXXXXXX 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

I have filed a police report which is attached as well as submitted a complaint with the FTC about the fraudulet accounts.
Product: Credit reporting or other personal consumer reports

I'm disagreement with the account listed below with my credit report still appearing, even after your investigation. I would like item immediately- re-investigated. the inaccuracies are highly to my credit score. 

Account namXXXX XXXX XXXX  Account number XXXX experian XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account number XXXX in accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Sections 611, please provide the name and business addresses of each individual with whom you verified above so that I may follow up. Please send an updated copy of my credit report after your re-investigation.
Product: Money transfer, virtual currency, or money service

Transfer money to nephew using XXXX through bank accountTruist on XX/XX/2022 Discovered recipient had closed account. 
1. Tried to cancel money transfer. 
Closed recipient, removed name from my account.

2. Called bank.

Told transfer had gone through.

3. Demanded to speak with supervisor. XXXX said need to wait 4-7 business days for automatic correction. She stated nothing could be done until transaction cleared. ( Best of my recollection. I insisted that a record be created of my issue. 
XXXX said ok. Requested a copy was told they do not do that. 
Did not hear from my bank. 
XXXX. Meanwhile, the recipient of my transfer checked with his bank, and confirmed checking account closed inn XX/XX/2022. His bank promised to investigate. On or around week of XX/XX/XXXX my recipient 's told me his bank recommended I contact my bank ( Trust ). 
XXXX. On XX/XX/XXXX contact Truist. Bank representative asked me if I wanted to dispute the transfer. I said yes. She said it would take a week or so and I should call back. 
XXXX. XX/XX/XXXX, I called the bank. Bank representative said no record of dispute being filed. 
She contacted another office to investigate my issue. She said they reported that their files shows that my transaction was completed, the recipient received the funds. I disputed this since the account had been closed. 
The representative then proposed that I contact the person I transferred the money to. At first I agreed, later I decided this would unlikely solve my issue and told her I would file this complaint. 
I have a copy of the transaction receipt with XXXX if it's needed.
Product: Mortgage

Bank of America told me they would n't resubmit a check that bounced because I accidentally double paid but then they did resubmit the check and it, of course, bounced again. Their customer service guy, XXXX, said the check would n't be resubmitted but then the next day it was. 

The problem started when I overdrew my account in the first place. That was my fault. When I saw that the payment did n't go through, I submitted it again once I determined our account could cover it. I did n't know, however, that BoA policy is to re-run bounced payments. Thus, they ran the original payment through, which was covered, but my second payment now bounced. Knowing now that the bounced check was going to be run through again, I called BoA to stop that. I talked to XXXX who assured me the check would not be run through again. He practically glossed over my problem and started to ask me if I wanted to refinance my mortgage. I told him I wanted more assurance that my check would not be run again before he sold me anything. He assured me in a very unassuring way, so I asked for a case reference number. He said BoA. did n't have reference numbers but that my account would be noted that I had this conversation. I come to find out today that the check said would not be run again has, in fact, been run again, so now my account is overdrawn. BoA mortgage customer service is closed on weekends, so I ca n't to anybody until Monday. It 's Saturday morning now. I take responsibility for the original {$30.00} bounced check but this second one is BoA 's fault because XXXX was wrong about the payment not running through again. I might be on the hook for more fees because I have pending debit that might be overdrawn depending on how quickly BoA credits back my account on the second mortgage payment that XXXX said would be stopped. It was aggravating how he seemed to be more focused on selling me a product instead of providing customer service.
Product: Credit reporting or other personal consumer reports

I am writing to formally request your assistance in investigating inaccuracies and unauthorized accounts and other inaccurate information on my credit report, which have directly impacted my ability to be approved for loans. Despite my efforts to resolve the issue with the credit reporting agencies, these discrepancies remain unresolved. The information on my credit file includes which I did not authorize or recognize. As a result, my creditworthiness has been significantly affected, leading to my denial for crucial financial opportunities, including loansIappliedfor Incorrect Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX Charge Off XXXXXXXX XXXX  XXXX {$2500.00} Date Open : XX/XX/XXXX XXXX XXXX XXXX {$6100.00} Date Open : XX/XX/XXXX XXXX  XXXX XXXX {$1000.00} Date Open : XX/XX/XXXX Collection XXXX XXXX XXXX XXXX {$450.00} Date Open : XX/XX/XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX {$7000.00} Date Open : XX/XX/XXXX XXXX XX/XX/XXXX
Product: Bank account or service

I WAS A CUSTOMER OFF WELL FARGO BANK A BOUT 10- 7 YEARS A GO THEY OPEN CHECKING ACCOUNT FOR ME I HAD A FEW OVER DRAFT THEY CLOSED I DID PAY UP THE OVER FEE NOW SOME ONE USED MY INFO.TO OPEN A NEW ACCOUNT I TRY TO LET THEM NO ITS NOT ME BUT THEIR IS NO ONE TO TALK TO NOW I HAVE PROBLEM OPEN IN A NEW ACCOUNT
Product: Debt or credit management

Notice to Agent is Notice to Principal, Notice to Principal is Notice to Agent. Transunion keep furnishing alleged transaction ( s ) on my account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  that Transunion identified as late / charge off-status.15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) Report containing information solely as to transactions or experiences between the consumer and the person making the report ; My transactions and experiences with your company are excluded from the consumer report. You have no right to furnish my transactions and experiences when the law clearly states that this information is excluded from my consumer reports. The only way a creditor can treat a payment as late falls under 15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. In order for any creditor to treat a payment as late you must prove that : The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the payment due date. 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information. A creditor can not treat a payment as late without complying with this section of the law! I am requesting under rule 1002 the documents that show proof that the information pursuant to section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date. Do not reply to me stating that you are furnishing accurate information because we both know you are not. Do not tell me this information is verified because you have not submitted proof of compliance with section 15 USC 1681a ( 2 ) Ai and 15 USC 1666b & 1637 ( b ). If you can not provide the proof of the mailing or delivery of the information required by section 1666b you can not treat a payment as late which means you have also violated section 15 USC 1681s-2.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App, Block, INC., due to inadequate customer service and unfair practices which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution practices was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I have contacted this company numerous times and the credit bureaus to alert them that someone is using my address and information. There is an address in Florida on my credit report AND a collections account in Florida. Im elderly and a I have never lived in Florida. This needs to be removed as soon as possibleXXXX XXXX XXXX XXXX  and I.C. System Incoporated have both reported this fraudulent utility debt. The total is XXXX. The address in my credit report that is also fraud is XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX. I need the collection and address removed ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a police report along with a dispute letter about the XXXX/XXXX   account thats reporting on my credit report ...
Product: Payday loan, title loan, or personal loan

i signed up for XXXX XXXX but they said they can not get my account approved by my bank, PNC bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Complaint is being submitted through the CFPB to inform Experian that I am a victim of identity theft and the account I am disputing does not relate to any transaction that I have made or authorized nor did I receive any benefits as a result of the theft of my Identity. Per Fair Credit Reporting Act Section 605B ( a ), the Credit Reporting agencies are required to remove any account and information which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... I'd like the account below deleted from my file ASAP : XXXX XXXX XXXX XXXX
Product: Student loan

I have a private student loans from XXXX transfer to Navient from 2009 till this present and have been paying ever since. XXXX told me this private loan that I will pay for 10 years and yet till now that my loans were Navient, and have notice from those time till now that my loans that I 've been paying is really not getting lower and also and interest is going up drastically without proper consent to me. And which is also difficult and burden to my payments every month. I have felt all those years I was mislead by this Company. whenever I miss a payment operators have always call me day and night non stop which I feel I was harass for most. I have tried to reconsolidate my loans to other companies but I could n't cause of my bad credit of late payments within this company and feel that I 'm stuck with this debt for a long time.
Product: Debt collection

Fake Company from Oregon has my info WARNING me of past due COURT FEES OR FINES of {$750.00}, which I know for a fact I don't have!!!
Product: Debt collection

This info provided i not can not find and have used disputes to locate and bring to attention of Hippa violation for info provided was not written and I did not provide written permission. XXXX : XXXX request that this and all medical related inquires be deleted and not just removed.
Product: Student loan

They have been reporting me late since the pandemic started. I thought that student loans were allowed to stop payment while unemployed. They sold my information to another party and I have no idea who. I was not informed and they are not reporting {$800.00} payments. It's been on here 8 years now. I need some relief I'm trying to buy a home.
Product: Credit card

On XX/XX/XXXX XXXX charges were made on my chase southwest credit card that I did not authorize and did not purchase. I reported to the credit issuer who removed it, but then is charging it again over a month later saying Im responsible. Even though I did not make these purchases.
Product: Credit reporting or other personal consumer reports

I have been trying to unfreeze my credit profile, I do not remember freezing it but am trying to refinance my home and my credit profile can not be accessed with Transunuion.
Product: Mortgage

I do not have enough room here so I'll keep it to the bare minimum. In XX/XX/XXXX BofA granted us a loan modification. They did not honor the new payments. According to the most recent " reason '' they did not is they claim the payment amount was not enough to cover the escrow account. I have a letter from BofA that I received in XX/XX/XXXX showing that there is {$44000.00} ( that's XXXX ) IN THE ESCROW ACCOUNT. Right now. It seems to me that this agency, CFPD, is not for the consumer and does nothing but defer to the company there's a complaint about. I have had thousands of conversations with BofA and not one person seems to know what's happening! They rescinded the UNLAWFUL foreclosure that they did in XX/XX/XXXX due to the fact that it was " invalid due to an agreement between the borrower and the servicer prior to the foreclosure sale. '' THEIR WORDS. They NEVER TRIED TO RECTIFY THAT MISTAKE! They have spun up whatever story they see fit as to why they can illegally foreclose. I was making the required payments under the modification agreement!!! The last administration gave Billions of dollars to the BANKS to fix the problems they caused. They have done no such thing. I have all documents to prove that I did nothing wrong!
Product: Credit card

wells fargo allowed my at that time wife to obtain a credit card in my name with a credit limit of {$6000.00} and account ended up with a balance of {$8800.00}. this has had a bad effect on my credit for 10 years helped cause me to lose the ability to change mortgage companies, get refinance and continued to raise my mortgage payment knowing I was stuck in that position with their company.
Product: Mortgage

Since last fall I have sent Freedom Mortgage numerous documents that they have requested, requesting hardship status and requesting loss mitigation. I continually get notices for the same paperwork, documentation that I previously sent and even updated my bank statements and updated wage information. To this date they have not even reached out to me and not let me know why I consistently need to send the same paperwork. I feel I am in a catch 22 of sending documentation over and over with no resolution. 

I would me more than happy to send all the documentation to you to show you what I have sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

La Curacao is reporting a charged off account on my report incorrectly. It opened in XXXXand the last payment was XXXX.It was a toy car for a kid. The item immediately broke and they refused to honor the warranty for the defective merchandise. I returned the item to the store to be fixed and they kept it. Now they are illegally re-aging the account trying to show that the account i constantly 90 days late every month since then to hurt my credit even though this has charged off over almost 6 years ago. The credit report erroneously shows that that the account is 90 days delinquent every month since XX/XX/XXXX. It also shows that the account closed in XX/XX/XXXX. An account can not be closed and be late every month and be charged off all at the same time. This account is hurting my ability to obtain fair and reasonable housing and I am seeking the advice of counsel and the fair housing authority.
Product: Credit card or prepaid card

This involves Comenity bank & their Sony XXXX XXXX XXXX XXXX I have a payment due & they have stated they are undergoing planned system maintenance & it's taking longer than expected. I went to pay my bill on Friday XX/XX/22, it wasn't up. Then on Saturday XX/XX/22, Monday XX/XX/22 & now today XX/XX/22. I am unable to even make a XXXX time payment either on the web or even by phone. You can't reach anyone in customer service via phone or email. They also didn't even let consumers know they were doing a system update. Please review their XXXXXXXX XXXX XXXX XXXX & you can see they keep saying the same message without giving anyone actual information. 

Issues : XXXX ) not communicating PROACTIVELY about a system update XXXX ) not allowing anyone to make a payment of any kind, either XXXX time or via phone XXXX ) finally stating TODAY ( XX/XX/22 ) there won't be late fees, but not disclosing about reporting late payments to credit bureaus. 
XXXX ) even though XXXX message said no late fees, there are varying messages saying the " grace period '' - XXXX said until next statement date, but a newer message stated XX/XX/XXXX, which is FRIDAY! System has already been down for XXXX full days. 

This is perceived as a money-making scheme at the consumer 's expense, by trying to get late fees AND being able to increase interest rates on late payment customer 's accounts. No direct communication & until something is in writing, many consumers are resting uneasy.
Product: Credit reporting

TransUnion is reporting a dismissed Bankruptcy that is damaging my credit and opportunities of new credit as if the Chapter XXXX Bankruptcy is completed. I am XXXX and have been denied affordable and accessible housing with this as a factor. Credit has been refused because of this. When I contacted the agency they said contact courts they are responsible. I received a letter from the courts after inquiry stating that they are not reporting. This is already public record and they do not report to any credit bureaus. I am being penalized as if this Bankruptcy actually went through. I filed papers in XX/XX/XXXX/2011 and it was dismissed in XX/XX/XXXX/2011 due to my inability to follow through because of declining health and insufficient debt. I am receiving the same punitive treatment as if I had followed through and none of the forgiveness of debt or relief.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX 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