23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX XXXX XXXX XXXX XXXX XXXX the Scammer ). The total amount of XXXX USD was transferred from my wallet utilizing your services.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why is XXXX still showing on my credit report still. It has been on my report for over 7 years and it is fully paid. It needs to be removed as policy states. I have put in a dispute to have removed and it was said dispute has been resolved but nothing has changed on credit report still looks the same.
Product: Vehicle loan or lease

I was in a car accident and had a total loss on my XXXX XXXX. I contacted the lender and made them aware of the total loss, let them know who my insurance was, and that a check would be on it's way. My total loss occurred on XX/XX/XXXX. I followed the processes immediately that were necessary. I stayed in constant communication with the lender and made them aware when XXXX XXXX sent the settlement check. Additionally, I let them know that the GAP insurer would be paying out shortly after, but that the check had to be transferred from XXXX XXXX before they'd pay out. I was told that they couldn't find the check and that it could take up to 4-6 weeks. I called XXXX XXXX and they stated that the check was signed for on XX/XX/XXXX, however it wasn't processed until XX/XX/XXXX. I had to call and throw a fit, giving them the tracking information and name of the person who signed for the check in order to get it applied so that then the GAP insurance would pay out. We are waiting now on the warranty refund to pay out ( which doesn't happen until GAP insurance releases the amount to be refunded ). Now, my payment ( on a note that has gone from XXXX to XXXX ... .so obviously funds have been sent ) because BBVA Compass held onto a check and didn't deposit it for 2 weeks. This greatly delayed my process in getting the account paid off in full and closed. BBVA Compass is now threatening to put a negative mark on my credit if I don't make a payment of {$280.00}. I have another loan with them now for another car and can not make 2 car payments in 1 month when this should have already been paid in full had THEY not delayed the process. They wouldn't even deposit the check they were holding until I threw a fit about it. This is ridiculous.
Product: Mortgage

On XXXX XXXX was informed by phone call that the underwriter wants to move forward with the foreclosure sale. Policy is policy. Informed bank representative that we are in bad times amidst the Coronavirus and massive layoffs. I was told that this is the underwriters decision and it is final. Policy is policy. Despite informing them that my father had deceased in the middle of loan modification, and this was beyond my control. I was informed again its the underwriters decision and the underwriter is the ultimate decisions maker. Basically admitting that the underwriter is more powerful than cfob, the president, the office of the comproller if currency. This led to the worst day of my life. Led to increased XXXX XXXX and I was enroute to the hospital. I wrote bofa urging them to take this issue seriously, rather than take advantage of tough times. This is the lowest form of ethical behavior. Please forward this issue to a Senior manager. I will get complaint to the President if the United States. I believe in the rule of law. I believe this can be modified and restructured due to devastating circumstances beyond my control. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THESE ALLEGED FRAUDULENT ACCOUNT. BLOCK AND REMOVE THEM 15 usc 1681c-2 Pursuant to the fair credit reporting act. I DID NOT MAKE THIS IN ERROR I AM THE CONSUMER AND I DID NOT RECEIVE AND GOODS AND SERVICES FROM THESE CONSUMER CREDIT TRANSACTIONS I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

1. XXXX XXXX XXXX 2. XXXX XXXX 3XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX XXXX 9. XXXX XXXX 10. XXXX XXXX XXXX 11. XXXX XXXX XXXX 12. XXXX XXXX XXXX 13. XXXX XXXX XXXX
Product: Debt collection

I received a debt collection notice from FIRSTOURCE ADVANTAGE, LLC. I request validation of contract between myself and FIRSTOURCE ADVANTAGE, LLC. As far as I know there is no contract, promissory note, application, agreement or any other instrument your company have with my signature establishing an obligation between myself and FIRSTOURCE ADVANTAGE, LLC. I also request proof of contract between your company and the alleged creditor in your records that gives you authorization and my consent to have my information. 
The deceptive notice received from your company is in violation of my privacy under Privacy Act of 1974. I did not verbally nor did I provide written agreement of sharing my personal information with 3rd party, non-affiliate companies as I am opt-out of 3rd party and non-affiliate sharing of my information. the consumer will take it a step further in seeking remedy per 15 USC 1692k. 
This notice appears to not only provide false and misleading representation as we have no contract/no agreement but this is also deceptive, abusive and unfair practices which are all violation of Rosenthal Fair Debt Collection Practices Act and the federal Fair Debt Collection Practices Act. I am prepared to file suit against FIRSTOURCE ADVANTAGE, LLC for invading my privacy, using my identity for your own personal gains as well as threatening to destroy my right to fair credit reporting under the Fair Credit Reporting act but also this damage could affect my rights to credit under the Equal Credit Opportunity Act if fraudulently reported. 
I ask that unless your company can provide me original signed contracts, that you cease and desist. Your company is harassing me and failed to provide any documentary evidence of such alleged debt. There is no true bill. 
I am filing several complaints against your company for violations mentioned. This is harassment. This is identity theft. 
Under California Consumer Privacy Act. I have the right to request deletion of personal information and opt out of sale of personal information. PLEASE PROCESS OPT OUT OF SELLING XX/XX/XXXXXXXX  AND SHARING PERSONAL INFORMATION & DELETE PERSONAL INFORMATION. DELETE FROM PERSONAL CONSUMER CREDIT REPORT IMMEDIATELY. 
Your company has no right to collect any alleged debt on any private accounts nor does your company have rights to interfere with investigation and disputes with any alleged creditor. Per 15 USC 1681a consumer report can not have personal transaction history. According to IRS publication any charged off or collections accounts are considered a certificate of indebtedness with is income and income can not be reported on my consumer report. You are in violation as a debt collector buying alleged debt which would actually be considered income that is to be reported to IRS. YOU ARE BEING DEMANDED TO NOT SHARE INFORMATION TO CONSUMER REPORT. I demand United Collection Bureau to CEASE and DESIST all collection and communications except to provide remedy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you to report on the negative accounts that are wrongly placed under my name. These accounts are unverified and are looking suspicious. I have tried informing the bureaus about them but they did not act on my letter of complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 10 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/XXXX XXXX XXXX
Product: Checking or savings account

Recently had funds sent to my bank account and my bank Navy Federal Credit Unions security department has been giving me the run around for 2 weeks. While not allowing me access to my funds and not providing adequate information on how I can resolve the issue.
Product: Checking or savings account

I have a checking account at Bank of America. I also have an XXXX XXXX XXXX   with Bank of America. I authorized funds to be transfered electronically from my checking account to my XXXX XXXX XXXX on XX/XX/20. The funds were withdrawn from my checking account and deposited to my XXXX account on XX/XX/20. The online statements reflect both debit and credit transactions respectively, yet the funds are now not available for use in either accounts. 

After contacting my XXXX account representative, he acknowledged having recieved my electronic deposit from Bank of America, but I was told their banking policy governing fraud would not allow funds to be released for my use until a 10-day holding period had been reached. 

This is wrong. They are hold my funds not for fraud prevention, but for the purposes of investing it in the XXXX market. Banks refer to this scheme as " interest float income '' and it's actually a line item in their income statements -- and not an insignficant one. The interest on billions of $ s of deposited checks is substantial, even if it's only for 3 or 4 days at a time. 

In any case, I thought there were regulations specifically limiting the number of days a hold is allowed.
Product: Credit reporting or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items 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 relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VXX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried pulling my credit report to refinance the balance of my vehicle loan wit h BMW financial services. I come to find out that BMW repor ted me 30 days late about 4 months ago. I have never been late on this loan, and have provided screen shotted information reflecting the due date of the  XXXX  and payments having been made prior to that. This error caused my score to be adversely affected and affected my ability to qualify for a competitive interest rate. This has also affected my ability to take advantage of specials that have recently passed as it comes to debt consolidation of my car loan.
Product: Credit reporting or other personal consumer reports

I am reaching out with absolute certainty and growing frustration regarding the numerous errors on my credit report. These inaccuracies have been severely impacting my life and credit score, creating barriers to achieving financial freedom and stability.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi on my credit report there are information regarding my mortgage which is showing missing or late payments at that time i was going through loan modification, Now that was past, modification is done, but late payments are still showing on my credit report and its hurting me a lot and it keep me getting a car loan or anther credit card
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1681 Section 602 A states the right to privacy.

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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written and talked with my school loan lenders over the past year with no avail however, after further review of my three credit reports, I have found them all to be two to three years old, and my financial balances are totally incorrect. Unfortunately I have five lenders who have not updated any of my financial information to the credit bureaus. XXXX XXXX XXXX, Select Portfolio Servicing, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX, which is a credit card I paid off in full sixteen months ago, in the amount of {$3100.00}. After calculating such figures I have paid back {$14.00} to these five lenders and my credit reports state false and or incorrect balances on these accounts. This is a very negative and significant situation for me and my future. I need help or directions that will help me fix this serious problem. 

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

The payment history is incorrectly showing on my credit report. I am showing 120 day delinquencies immediately proceeding an on time payment. This payment history is showing incorrectly on my credit report. It does not make sense to go from XX/XX/XXXX with no negative payment history and the reporting of an on time payment to the following month of XX/XX/XXXX showing 120 days past due and the following months XX/XX/XXXX and XX/XX/XXXX reporting 120 days past due as well. I have repeatedly reached out to the credit bureaus ; Equifax, XXXX and XXXX regarding this matter through several letters and included a copy of my photo ID and proof of mailing address to confirm my identity on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have uploaded copies of every single XXXX of these dispute letters. I received no response from Equifax, XXXX or XXXX from any of my submitted disputes. I attempted on numerous occasions to resolve the issue and am being ignored by the Equifax, XXXX and XXXX. From my understanding it is my right in accordance with the Fair Credit Reporting Act, to be notified of investigation results, for account on my credit report to be updated with the status of " in dispute '' as well as for all the information on my credit report to be accurate and verified/proven. This is not the case. Due to the several blatant violations of my rights as a consumer when it comes not only to credit reporting compliance, but also investigation compliance, I am requesting the payment history for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX be corrected and updated to current with no record of delinquency.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I was notified that my FICO score had suddenly dropped nearly 100 points. As a responsible consumer with impeccable credit, I immediately requested my credit reports from all 3 credit bureaus. I discovered that XXXX XXXX had reported a 60-day delinquency for XX/XX/XXXX and XX/XX/XXXX on the lease turn-in ( final balance of {$1500.00} ) of my former vehicle ( a 2016 XXXX ). This balance was completely unknown to me, as I turned it in on XX/XX/XXXX ( while leasing a new 2018 XXXX ) with the understanding from the salesman that he had figured the remaining balance of the 2016 to be rolled in to the new vehicle payment. In my new vehicle, I drove away from the dealership with the understanding that the lease turn-in of the 2016 XXXX was completely settled. The salesman ( or the financing dept at the dealership ) never told me to personally contact XXXX XXXX about anything whatsoever. The salesman obviously did not roll the remaining balance in to the new car payment. 

When XXXX XXXX sent a final bill ( of {$1500.00} ), one final bill was sent to an old address on the account. As a result, I have never received the final bill to this day. However, the statements for my new 2018 XXXX were indeed ( and still are ) coming to my current address that they do have on file at XXXX XXXX. 

I did pay the remaining balance of {$1500.00} immediately over the phone to XXXX XXXX on XX/XX/XXXX. Although XXXX XXXX made an error in mailing the final bill to the wrong address, they REFUSE to remove the FALSE 60-day delinquency that is still showing on my credit reports with Experian and XXXX. I filed complaints with all 3 credit bureaus in XX/XX/XXXX. XXXX is the only bureau that corrected the problem and removed the 60-day delinquency for me. 

I have made endless calls to XXXX XXXX on this matter and I have filed several complaints with Experian and XXXX. Yet they refuse to remove the false 60-day delinquency showing for XX/XX/XXXX and XX/XX/XXXX. They only " Updated '' it as paid off as of XX/XX/XXXX. 
This is not acceptable as it is easy to see that I have had impeccable credit for all of my credit history of over 20 years. XXXX XXXX claims that I should have called them when I turned-in the 2016 XXXX. How would I know to call them, when I had every confidence that the entire transaction was being handled by my salesman and dealership? The salesman ( or the dealership financing department ) never told me to call XXXX XXXX about anything. Additionally, my billing statements for my new 2018 XXXX were coming to my current address. So why did they send one final bill of {$1500.00} to an OLD address? I have never received it and I did not know to expect it. 
XXXX XXXX is falsely characterizing me as a negligent consumer by refusing to remove the 60-day false delinquency from my credit report. Whereas, I am nothing but a responsible consumer.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : XXXX XXXX XXXX TransUnion and XXXX Regarding Inaccurate Late Payment Reporting for XXXX Account Dear CFPB, I am writing to formally file a complaint against TransUnion and XXXX for failing to correct inaccurate information regarding late payments reported on my credit report for the XXXX account ( Account Number : XXXX ). Despite multiple attempts to resolve this issue, including disputes filed on XX/XX/year>, XX/XX/year>, and XX/XX/year>, the inaccurate information remains uncorrected. 
Key Account Details : Account Number : XXXX High Balance : {$420.00} Balance Owed : {$350.00} Credit Limit : {$3500.00} Late Payment Reported : 30-day late payment for XX/XX/year> ( TransUnion and XXXX ). 
Account Status : Open and Current.

Violations : Fair Credit Reporting Act ( FCRA ) : Under 15 U.S. Code 1681i, credit reporting agencies must ensure the accuracy of information in consumer files. The incorrect 30-day late payment reported for XX/XX/year> demonstrates a failure to uphold this requirement. 
As per 15 U.S. Code 1681e ( b ), consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information. 
Truth in Lending Act ( TILA ) : Per 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The late payment reporting indicates a failure to comply with this requirement.

Protection Against Non-Payment of Obligations Act ( PAANL ) : Creditors are mandated to provide timely statements to prevent unfair penalties. The inaccuracies in reporting late payments breach this obligation. 
Evidence of Discrepancies : The reported late payment for XX/XX/year> is inconsistent with my payment history, as I have always made payments on time. 
TransUnion and XXXX report a XXXX late payment for XX/XX/year>, while XXXX has no reported history of late payments for this account.

Monthly payments and account status indicate compliance with payment terms, further invalidating the reported delinquency.

Requested Resolution : Immediate removal of the inaccurate 30-day late payment notation for XX/XX/year> from my credit report with TransUnion and XXXX. 
Written confirmation of the correction. 
An assurance that reasonable procedures will be followed to ensure future accuracy. 
Failure to resolve this issue promptly will result in further escalation, including legal action and additional complaints to the relevant regulatory bodies. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove account from my profile
Product: Student loan

I refinanced my house and my credit union sent Navient a check on XX/XX/19via 2 day mail for $XXXX which would pay off my student loans #1-5. (I have another loan I just opened on XX/XX/19 - #6, but this was NOT being paid off).  My bank did not ask me for address to send it to & they sent the pymt to the address on my credit bureau.  I contacted Navient around XX/XX/XXXX or so and was told ck was rec'd on XX/XX/19 and they had to figure out which acct. it went to, which they figured it out on XX/XX/XXXX, and that it would take 7-10 days to post to the acct.  I asked if add'l interest would be charged and was told "no", it stops as of the date ck rec'd. I have called back on numerous occasions (9 times as of today) and been consistently told IF interest was charged, it would be rolled back to date ck rec'd.  To date, they STILL have not fixed my acct. to show loan #3 being paid off (they misapplied it to loan #6, which is in grace period because I'm in school), and the people I s/w today said interest was charged on all accts. up through XX/XX/19, the day the pymt's posted!!!  I told them that I have been reassured by every single person I've s/w the other times I called that interest was rolled back to the day ck was rec'd -- and now I'm being told it's not.  My bank would have stopped pymt on the ck when I was originally told it was received and overnighted to their physical location another check way back the first time I s/w somebody, but they assured me that interest would not be charged!!! The woman I s/w today (Supervisor, XXXX XXXX) said they can't do that because interest is charged up to the date the money goes to the Dept. of Education, which shows it was posted on XX/XX/19; that she's sorry that other people had told me different!  Her being sorry does not get the $XXXX in interest back like I was told the other 8 times I called -- AND, as I stated, this could have been prevented by stopping pymt on the ck and it being reissued, but I was reassured that add'l interest would not be charged. Some of the other calls I DID s/w supervisors, who did reassure me that no interest would be charged -- yet it was charged up through XX/XX/19, even though ck was received on XX/XX/19!!!
Product: Credit reporting or other personal consumer reports

I disputed an account on my credit report and it came back " verified ''. However, if the account was actually verified LIKE EXPERIAN mentions then the " LAST REPORTED '' date would be updated. The last reported date is XXXX XXXX XXXX  which makes this account inaccurate. When an account is disputed the last reported date is supposed to be updated. So my question would be how did you verify an account but the last reported date was over a year ago.