23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I submitted a complaint to the CFPB on XXXX about a fraudulent account that Bank Of America was reporting on my consumer report. CFPB report number is XXXX. I stated this was an identity theft account and requested the account was removed from my consumer report along with requesting documentation that was used to open this fraudulent account such as the application, identification used, transaction history, and all other documents pertaining this account. On XX/XX/XXXX Bank of America responded back stating they provided a response directly to the CFPB and to me also and to allow a few days to receive the company 's response. I have not received any documentation from Bank of America and this account is still reporting on my consumer report. According to the FCRA 609e as a identity theft victim, I have a right to these documents and they should be sent to me no later than 30 days upon request. I am requesting these documents again from Bank of America, such as transaction history pertaining to this account, the application used to open this account, the identification used to open this account, and all other documents pertaining to this account. Please provide me and the CFPB these accounts within 30 days. If they were sent out before, please provide the date, tracking number, and address used to send this documentation. I have also provided identifications, the police report, the FTC report, and all other documents requested and outlined under the FCRA.
Product: Checking or savings account

I will always say the truth and nothing but the truth. I have had capital one bank account since XXXX. I joined the United States XXXX in XXXX and the account was fine for a while. All of a jsudden my balance falls below XXXX. It's XXXX. I contact capital one several times to inquire why my balance is below. I had about {$200.00} in the account because I was just starting to build the account. They refused to tell me what was going on for a long time. Finally sometime in XXXX almost XXXX they told me it was because fraudulent check or a fake check was deposited into the account. The check bounced and whomever did it removed XXXX dollars before the check can bounce. I told them why is it that it took it a very long time to yell me this. My account had been restricted ever since. They told me I have to pay the XXXX but I told them I know nothing about the crime therefore I can not pay for something I didn't do. I would like my account to be fixed and restored so I can use it. I really enjoyed the convience it have while I was using it for the short period of time I had it and I also have a credit line with them. They have also refused to give me my military benefitsXXXX I would like them to implement that on my eligible accounts as well.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report, and I noticed that some of the information on my report should not be on my reports and are a violating of the law. The account ( s ) with XXXX XXXXXX/XX/XXXX Reported : XXXX XXXX, 2024 + {$1800.00} has been closed and removed from my Equifax report due to these violations but XXXX and XXXX have not complied with the laws to remove this account with has violated several laws as well as these credit agencies listed above. The first violation that was committed was the FCRA law 15USC & 1692g. They were to notify me of this in writing 5 days prior, I was never notified as the original creditor, only I can validate this debt. Therefore, the following accounts must be deleted from my reports immediately. In accordance with the Fair Credit Reporting Act ( FCRA ) the following accounts :, has violated my rights 15USC 1681-602A states I have the right to privacy ,15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent and instructions. I am not liable for this collection they have not provided me with the original contract as I have requested several times. 15 USC 1681 ( a ) ( 2 ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in the " consumer report ''. By Law, the IRS defines a charge off accounts as cancelled debt that you have to pay taxes on meaning the charge off accounts are now earned income for me the consumer. Collections & Charge offs accounts over {$600.00} reporting to my consumer report is tax fraud. By Law companies are supposed to send me the consumer a copy of the 1099 from the accounts that has been charged off written as loss. The collection is now income by IRS law states that income can not be reported as debt. Please remove these accounts from my report this is against the law and is considered tax fraud.
Product: Debt collection

I have paid this  XXXX  account on  XXXX   XXXX ,    2017,  of  XXXX .     I have confirmation numbers and account numbers to prove it. Credit bureaus are still saying they are owed, affecting my credi t FICO s core
Product: Debt collection

This debt is from a phone bill that was obtained in XXXX and sold to debt buyer and ended up getting charged off and removed from my credit report in XXXX and the second debt buyer which is Jefferson Capital Systems ended up buying this debt and reporting it on my credit report as a new debt Ive disputed this with this company and they refuse to make the corrections and it is now affecting my chances of purchasing a home because of their unprofessional practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX XXXX XXXX Visa credit card is lost/stolen. The XXXX XXXX XXXX   XXXX Visa account number is # : XXXX.
Product: Mortgage

my wife died in XX/XX/XXXX andXX/XX/XXXX I filed bankruptcy and left out my home mortgage and the home equity loan of {$48000.00} so I could kept my home I kept up the payments till one day the home equity bank took it off line that was the way I was making the payments. So I called them and they put lien on the home that I would pay it off when I sold the home and I said no more payments they said yes. A few years later I get a foreclosure letter. I have talk to the county and a legal assistant and the attorney general of Minnesota. All I want is for the bank to clear the payment history so can refine my home to to pay them off thank you
Product: Mortgage

I AM AN XXXX - DID A LIQUIIDATION APPRAISAL FOR JP MORGAN CHASE BANK XX/XX/2016 - CAN NOT GET PAID NEED SOME HELP XXXX XXXX XXXX, NC XXXX APPRAISAL # XXXX -
Product: Credit reporting or other personal consumer reports

I've been the victim of Identity theft and these adverse actions reporting on my consumer credit report is preventing me from pursuing life, liberty and happiness. I'm unable to purchase a home for me and my children.
Product: Credit card or prepaid card

I had a account with Home DepoXXXX who was funded by Citibank. I had made a couple of late payment from XXXX XXXX from XXXX due to lossed hrs at work but always paid. So l started making extra payments starting XX/XX/XXXX Im amount of {$160.00}, {$320.00} on XX/XX/XXXX and called to make {$120.00} on XX/XX/XXXX. I visited Home Depot to make a purchase and it was declined, knowing l had available funds to purchase. From there l called in to make another payment of {$120.00} on XX/XX/XXXX ( but didnt cause l was informed of my account was closed ) to an automated system for payment for it to inform me that my account was closed on XX/XX/XXXX. I was confused and aggravated. I reached out to customer service rep named XXXX on XX/XX/XXXX to ask was why was my account closed and she stated that she didnt know because she saw were Ive been making payments, XXXX researched because she didnt know why, then directed my to XXXX  numbers @ XXXX, XXXX, XXXX, XXXX, XXXX, went to customer service rep XXXX id # XXXX all on this day totaling XXXX hrs and still no answers why they closed my account! So l called next day XX/XX/XXXX and spoke with XXXX and others from XXXX pm est to tell me it was closed and they dont know why. I NEVER was informed of my account closed not once and they called every month for payment which l paid as if it was still open. All these calls were recorded. I was humiliated, misused, aggravated and l stated they had committed negligence on behave of my account and l would be suing and not making anymore payments until further notice. I have billing statements starting as if my account was still active, interest and late fees still occurring even after account being closed for more than XXXX months of me having no knowledge. I contacted a attorney and advised me that this indeed was negligence on Home Depot/ Citibank behalf. I didnt pursue the attorney due to job hours and COVID 19. Now the account has been sold to XXXX XXXX now XXXX XXXX and l was contacted by XXXX @ XXXX ext XXXX on XX/XX/XXXX l stated what happened and Im taking alternative actions for this matter. Can you please help because this is not in compliance with the Fair Credit Act
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello on XX/XX/2022 I sent a inquiry removal letter and FTC report to EQUIFAX and received a computer response by mail. Equifax sent me a letter claiming none of the inquiries I placed on my letter wasn't on my report when indeed they are still reporting the inquiries on my report. I attached the letter below. I called and all they did was tell me to resubmit the dispute by mail, which tells me they don't care.They dont understand this is hurting my record and tarnishing my character, They are brushing off my issue and not taking me serious. I know per the fair credit reporting act legally these unauthorized inquiries must be removed and blocked. Please remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. My Info was also impacted by the Equifax data breach so I dont know who could have my information now. I do not want a fraud alert placed on my credit profile none whatsoever but I demand these FRADULENT inquiries be removed please. XXXXXXXX XXXX  had no permission to pull my credit report or XXXX
Product: Credit reporting or other personal consumer reports

Hi I have previously disputed ( public record on my credit report with XXXX, and in response they verified the item as accurate, stating that they have verified the information from the court and XXXX. 
I contacted the court and XXXX, and their response is enclosed. 
It is clear that the court do not report to any credit bureau for that matter .Therfore their initial response verifying the item with the court was either an error or a lie. 
XXXX dont have any information on their record. 
Either way, the reporting requirements do not comply with FCRA s611 ( 15U.S.C.s1681l ) and the information must be deleted immediately.
Product: Credit reporting

I have a open collection on equifax 's credit report. i have disputed the validity of this with the collection agency ( XXXX ). they have sent me a letter stating that they have requested that this be removed from the XXXX agencies ( XXXX and equifax ) reports. XXXX complied and equifax refuses. i have disputed this and they insist it has been validated even though the collection company has stated in writing that this was an error and should have been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, despite repeated requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus are required to correct or remove but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. The following accounts should correct removed immediately : XXXX XXXX XXXX Balance Owed : {$0.00} - Investigate the way this account is reporting the date of last activity, account name, and opening date. I believe this information may be inaccurate. I need this removed now. XXXX XXXX XXXX XXXX Balance Owed : {$30.00} - Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was Paid as Agreed and I never missed a payment. Please update it immediately. XXXX XXXX XXXX Balance Owed : {$1300.00} - I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately. XXXX XXXX XXXXXXXX Balance Owed : {$310.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto.XXXX XXXX XXXXBalance Owed : {$9600.00} - Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I need this account removed NOW. XXXX XXXX Balance Owed : {$10000.00} - I see things may be inaccurate. Start looking at the account name, opening date, and high balance. I believe this information may be inaccurate. Immediate removal of this item is necessary. XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2019 - I would like you to review the docket number and type of public record because I have a feeling it is violating the Fair Credit Reporting Act. Please remove this public record for violating the Fair Credit Reporting Act.
Product: Debt collection

On XX/XX/2021, a XXXX XXXX called my father-in-law and brother-in-law stating it was an urgent matter to get ahold of me. He then proceed to leave me a voicemail stating he was from Northwood Asset Management Group with a call back number of XXXX and saying he emailed me. I checked my email and their was an encrypted file asking for the last four of my social security, but the email did not disclose why I was being contacted. When I called XXXX XXXX he disclosed my full social security number to me before verifying who I was and never told me that he was calling in attempt to collect a debt. When I inquired about what it was he said that my original creditor was taking me to court for a debt. I asked if documentation was being mailed to me and he got very aggressive telling me that he was trying to help me and I was not listening to him then he hung up on me. I then called the original creditor and asked them who they sold my debt to and they confirmed that XXXX XXXX XXXX is the one who currently has my debt and their phone number is XXXX in the amount of {$2500.00}. I believe that they were phishing for money and I find it very worrisome that they have my information and was willing to disclose all of it. I did report their email to XXXX for phishing as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted disputes to you and I did not get a response within 30 days and you are required by law to do so. Please investigate my disputes, please. Thank you.
Product: Credit reporting or other personal consumer reports

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : However, they stated evervthin " " `g was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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 instructons 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 tan 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 modity accounts tat isnt reporting correcuy. 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 ZA instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the followina items of information Anv other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven vears. 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. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case. 

Account : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/year> Balance : {$420.00}
Product: Payday loan, title loan, or personal loan

On XXXX MoneyLion attempted to draft {$42.00} and some change for a Credit builder loan. When the pandemic hit due to the Covid-19 and the banks changed there operation hours I got an email from MoneyLion asking to update payment due to insufficient charges so I did. And they took {$19.00} out of the updated account on XX/XX/2020 and on XXXX XXXX they took {$42.00} and some change. So, on XXXX XXXX I get a credit alert sayin that MoneyLion reported 30 late on my account. I dont understand how and why when I updated my bank account immediately!!! And you took two charges out of the account.
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and XXXX data breach.
Product: Vehicle loan or lease

XXXX XXXX I purchased a XXXX not knowing I was getting myself into a loan it was my first car and I paid XXXX down at first he told me i would pay XXXX and the rest payments but I never knew I was getting myself into a loan I thought the payments were going to be made to the dealership. He made me sign a lot of papers I didnt even know. He told me the car was also good and everything was okay but it had a lot of problems I told him about him and he kept saying everything was fine with the car had it for at least 7 months and around XXXX the car got stolen from me and its been 6 months and still no news From it. My complain is that I had no idea I wasnt suppose to put a down payment because the total of the car was XXXX and I still owe XXXX XXXX on the loan after I paid all the payments and down payment. I havent paid the car because it got stolen the loan is called lobel financial and the dealership XXXX XXXX XXXX XXXX  XXXX tx
Product: Credit reporting, credit repair services, or other personal consumer reports

In reviewing my credit report, I noticed  a Hard Inquiry from Capital One  on  XXXX  of    2016. I made no attempt to apply for any credit through capital one, and in my attempt at mortgage financing I was lead to believe that the number of inquiries on my account contributes to lowering my credit score.
Product: Credit card

I lost myTJX Reward credit that was issued by Synchrony Bank. I have repeatedly told the investigators that the last time I used the card was on XX/XX/2016. Someone apparently found the card and used it to make online purchases at XXXX, XXXX, and TJMaxx. These unauthorized purchases were made from XX/XX/2016 - XX/XX/2016. After the investigation, the investigator 's finding was determined that I benefitted from the reported disouted purchase. I called the bank and inquired how that determination was made. I spoke to someone named XXXX who told me the notes in the file indicated the determination was bases on a purchase I made on XX/XX/2016 at a vendor used in the unauthorized purchases. I felt that explanation was a clear indication that the investigation determination was baseless and without merit. I requested the inquiry to be reinvestigated. XXXX told me that it could not be done as i was not providing any new evidence. However another department will take a look at the matter. The determination was the same. By now I 'm wondering how could this unfair outcome and burden be arbitrarily placed on a customer who brings business to your company. Not only having to pay for this theft but now it is going to be reported to all the Credit Bureau. There must be a way to appropriately rectify this matter. I am really hoping that someone can hold this company accountable for what I believe is predatory and baseless determination on a matter which has not been thoroughly investigated.
Product: Credit reporting or other personal consumer reports

I am writing as a protected consumer under federal law to report serious violations by the XXXX major credit reporting agencies : XXXX, TransUnion, and XXXX. Despite providing proof of my address and identification, these agencies have unlawfully reported unauthorized accounts on my consumer report without my written consent, in violation of 15 USC 1681b. This unauthorized reporting amounts to identity theft and libel per se, constituting defamation of character. Additionally, these agencies have engaged in aggravated identity theft by contacting third parties with my private information, violating 18 USC 1028A and 15 USC 1681A ( 3 ). 

Furthermore, they have failed to meet the requirement for maximum accuracy in reporting, violating 15 USC 1681e ( b ) and 15 USC 1681i ( 5 ). My previous disputes and complaints have been ignored or inadequately addressed, demonstrating noncompliance with FCRA obligations. I have submitted proof of certified mail receipt.I demand the immediate deletion of the inaccurate accounts and a free copy of my updated credit report.
Product: Bank account or service

My mother and I are co-trustees on a Bank of the West personal trust checking and savings account. My mother is in-home care under XXXX, and she requires 24/7 care. I have been handling her personal finances for years using Bank of the West on-line banking. The on-line account with all of her important payees was XXXX XXXX/XXXX/15 by the bank due to retaliation for my requesting a written explanation why a payment scheduled for XXXX payment was late. The payee was furious after receiving yet another delayed payment. I used the on-line system to register the complaint XXXX/XXXX/15 in order to have an official record. Late payments have been going on for months, and I have been reporting into Executive Office, which has not offered any remedy. The bank is not taking responsibility or even acknowledging late payments, and XXXX the on-line account I 've always used, which cut me off from accessing all the records I 've established to appropriate handle my mom 's money management to timely pay all debtors. This is elder abuse because it has created a situation impacting payments necessary to ensure my mom 's needed care and well being. Their late-payment processing and lack of taking responsibility for it are unethical. HELP PLEASE!