23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Iam writing to formally dispute and request the immediate removal of several fraudulent accounts and inquiries that have appeared on my credit report as a direct result of identity theft stemming from the Equifax data breach of XXXX. As a victim of this breach, I am entitled to protections under the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. The fraudulent accounts listed below were opened without my knowledge or consent and must be permanently removed and blocked from my report. 
The following accounts must be removed immediately : Account Name : RocketLoans Account Number : XXXX Date of Adverse Information : XX/XX/XXXX Reason2.for Dispute : Identity theft related to the Equifax data breach. Account Name : Department of Education Account Number : Not Listed Date of Adverse Information : XX/XX/XXXX Reason for Dispute : Identity theft related to the Equifax data breach. 3. 
Account Name : Department of Education Account Number : Not Listed Date of Adverse Information : XX/XX/XXXX Reason for Dispute : Identity theft related to the Equifax data breach. 
Additionally, the following inquiries must be removed, as they were unauthorized and related to identity theft : 1. 
Inquiry Name : XXXX Date of Inquiry : XX/XX/XXXX Reason for Dispute : Identity theft related to the Equifax data breach. 2. Inquiry Name : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Reason for Dispute : Identity theft related to the Equifax data breach. 3. Inquiry Name : XXXX XXXX  Date of Inquiry : XX/XX/XXXX Reason for Dispute : Identity theft related to the Equifax data breach. Date of Inquir Inquiry Name : XXXX XXXX  XXXX : XX/XX/XXXX Reason for Dispute : Identity theft related to the Equifax data breach. 

Ihave also provided a letter of proof that Iwas impacted by the XXXX Equifax data breach, which Iobtained from the Equifax Data Breach Settlement website. Additionally, Ihave included documentation showing that XXXX has already investigated and removed the fraudulent accounts and inquiries from my credit report. Please find this documentation enclosed for your reference. 
In further support of my claim, Ihave provided the following documents : Acopy of the FTC Identity Theft Report ( FTC Report # XXXX ). 
A notarized Affidavit of Identity. 
Proof of identity and address, including a government-issued DI and a utility bill.
Product: Debt collection

This account was charged off by Affirm the balance amount is still showing on my credit and this was turned over to a collect agency please remove from my credit
Product: Money transfer, virtual currency, or money service

On Wednesday XX/XX/2022 at approximately XXXXXXXX XXXX XXXXXXXX XXXX sent me a messaged asking me if I could help him with his grandpa and hed pay me so he sent me {$400.00} at first then he sent me another {$40.00} and then {$16.00} totally {$450.00}! It shows on cashapp that the money came thru but was never recieved by me and he says it came out of his account so we contacted cashapp and they said they had no idea what was going on that there was nothing they could do. I have documentation showing that the money was not recieved by me. I told them I was filing a complaint because they were so quick to just leave the chat without resolving my issue. Thats what they always do when you contact support they take forever to come on live and then take forever to even process your request and then the end results are never what you expected them to be. They gave me a run around for XXXX XXXX  for sure and never got anything done that I was asking and still hasnt for either of us
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted disputes to XXXX, XXXX XXXX, Equifax on XXXX XX/XX/21 for an unknown collection acct appearing on my credit reports. All three agencies verified the alleged account. The collection company is listed as XXXX XXXX XXXX which is also shown as XXXX XXXX XXXX. This company has not responded to written request for information, I don't believe this acct exists .I don't know who they are collecting for. I have excellent credit and don't owe any outstanding debt. All three credit bureaus continue to report this unverifiable, inaccurate account in violation of federal law. I have attempted to resolve this and have been ignored. The furnisher has not responded to written requests either.
Product: Credit reporting

I had an error on my credit history for XXXX 2016, it showed a 30-day late payment for XXXX XXXX, which has subsequently been fixed by XXXX XXXX. This was an error that has been fixed with the updated information send to the XXXX credit bureaus by XXXX XXXX on XXXX XXXX, 2016. I was told it may take XXXX 45 days to show on my credit history. On XXXX XXXX, 2016, I checked my credit history and XXXX was the only one that made the change, while Transunion and XXXX have not made the change yet. I contacted XXXX credit bureaus and I was told to send the letter I had from XXXX XXXX stating dated XXXX XXXX, 2016 that stated the following " ... we have submitted a credit correction request to reflect the above referenced mortgage account as current ; paid as agreed for XXXX 2016. '' I uploaded this letter to XXXX indicating what had happened and to please correct the information for XXXX 2016 for this creditor, XXXX XXXX on XXXX XXXX, 2016. I send an overnight package to Transunion with a copy of the letter on XXXX XXXX, 2016 through the USPS. I received a letter from Transunion dated XXXX XXXX, 2016 and no changes were made for this creditor. No explanation why they refuse to rectify my account for XXXX 2016. I called them and after an hour on the phone, they were unable to make any changes and all they can say was to wait another 30 days ( although as of today it has been 45 days ). I called XXXX who has not responded to my dispute yet and has not fixed the problem either and they too are claiming to wait another XXXX 45 days. I do n't understand. I called the creditor, XXXX and they indicated that they have send the report on XXXX XXXX, 2016 and another on XXXX XXXX, 2016 and a follow up on XXXX XXXX. I have urged them to please fix this because is preventing me from buying a new house and since no bank will touch me because it shows a 30 day late notice with XXXX XXXX, I can not get a mortgage loan for 2 years. This is crazy since it was a mistake that has been rectified by the bank, XXXX XXXX, yet the XXXX remaining credit bureaus, Transunion and XXXX refuse to make this correction. Why are they not held accountable for fixing this? I need to know what do I have to do to expedite this process. Please HELP!
Product: Mortgage

I am having serious frustration with the delay in payment posting from Bank of America Home Mortgage. The problem started XX/XX/XXXX with the implementation of a " new system ''.

Since then, I have experienced the

following problems : 1. Serious delay and wait times in customer service, as well as non-responsiveness in the resolution of issues. 2. Payments made have not been posted to my mortgage account on a timely manner. 3. Confusing information as to the status of my mo
rtgage payments and principal balance remaining. 

For example, I made a principal payment on XX/XX/2020. To date, the amount has been deducted from my checking account but has not posted to my mortgage account. It sits as a credit without resolution. In fact, all subsequent payments have not been posted since. There are no explanations on the website as to delays. When I call in to inquire, the wait time is >60 mins and depending on the agent, one gets different responses. The first time I called in, a ticket was opened and the agent indicated that the problem will be resolved in " 2-3 business days '', without explanation of why it didn't post. When nothing occurred within that time frame, I called again ( waited >60 mins ) and was told by another agent that the resolution time is " 5 days '', again no explanation of why the time frame changed but offered to escalate the situation. The third time I called, the new answer was now " 15 business days '' but strangely indicated that nothing was escalated yet. The pattern is quite apparent.

At this moment, I made payments to my account but no money has reflected on my account as a debt satisfied pursuant to my payment timeline. It feels fraudulent and Bank of America Home Mortgage either does not know that a problem exists ( no notice to the consumer regarding delays ), or knows but purposefully is not fixing the matter in hopes that it gains from the extra interest it can charge from a delay in posting my payments.

I am requesting that the money paid get posted to my account as a payment immediately without further delay and without accruing any additional interest. The payment should be reflected as of the date it was made. It has been three weeks and no notification that the issue is being resolved.
Product: Credit reporting or other personal consumer reports

I have disputed this account numerous times with Transunion which Transunion has violated so many laws under the FCRA. I am a consumer that should have an accurate credit report. Transunion is reporting an account that is under XXXX XXXXXXXX BANKRUPTCY as OPENED and as an consumer who knows the laws and knows my rights any account that is filed under Bankruptcy should be reported to the credit bureaus as CLOSED. Also, it has the last time that the Bankruptcy court made an payment to them, which is also against the law for a account that under Bankruptcy. By the way I have taken a screenshot of my report which has even in the notes that account is " INCLUDED IN BANKRUPTCY ''. Now that Transunion has made an error on my report it needs to be removed!
Product: Mortgage

This company will not give me access even to their phone. I tried their own funds and Im also blocked. I did a star XXXX which blocks my number and it let me in but then once Ive hit my loan number it kicked me out of the system, I have a refund check coming. I wanted to confirm that they have my new mailing address. I also needed a two-year mortgage history for the purchase of a new home discontinued abusive behavior is unbelievable. They are one of the reasons I sold my home.
Product: Credit card or prepaid card

Used STORE CARD from SYNCHRONY BANK. This bank operates in cooperation with XXXX. After receiving a store card, XXXXSynchrony has changed default payment to the store card without notifying me. This caused accidental use of their store card ( whil I was thinking I'm using my DEBET CARD ). 

On top of that several items which I purchased from XXXX were finansed by Synchrony Bank. Those items were later rerurned to XXXX for number of reasons. Despite XXXX has shown iterm refunded on my purchase list, SYNCHRONY BANK kept charing me fees to pay off the items. They also added 25 % of intrest rates which in turn caused huge debt. 

I tried to access transaction information from the beginning of using my store card but only last 6 months were available. After contacting SYNCHRONY BANK I requested all transactions in either electronic or printed form. So far have not received any information. They have sent me some email which require some information I do not have. 

I also requested SYCHRONY BANK to contact XXXX and clarify all illegal transactions and fees. I filed two separate complains for both companies to Better Business Bureau. 

After discovering this fraud I immediately cancelled all services from SYNCHRONY BANK and cancelled my card. 



Copy of this message will also be sent to appropriate government agencies for reviewing.
Product: Checking or savings account

I opened a savings account with Bank of America in XXXX. At the time, I was told that, in order to avoid any maintenance fee, I had to use my account for online transactions only : paying bills online and so, instead of going to the bank itself. 

This has been going on no problem for years now, until just this week I noticed that my savings account was in the negative. The reason is that, since XXXX, they have been charging me a {$5.00} monthly maintenance fee. When I call, they tell me that it's because the balance of that account is under {$300.00}. Note that I have two accounts with Bank of America, and the other one ( checking ) has a balance well over {$15000.00} at all times, so it's not that I have left my account empty. 

Now, I did not get an email or letter telling me about this. I had an online statement for the month of XXXX for my savings account, but no statement in XXXX or XXXX, yet I got charged both months. This feels like they are cheating on trying to sneak this charge on me.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of {$1300.00}. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. 

XXXX XXXX XXXX XXXX
Product: Debt collection

Good day, I am reporting this account because I was working with this company from the beginning. I bought a car brand new but then it started having troubles right after I bought it. I keep sending it back into the dealership for repairs and such until it became so much work. I traded it in for a new car, so I do not have understanding to why my consumer report is reporting a balance I owe on this account. This account is reporting XXXX different balance along with being charged off why? Why is there active payment reporting on my consumer report and it is supposed to be charged off for whatever reason. This is causing me so much stress and I need answers. 

Account name : US AUTO CREDIT Account number : XXXX Amounts : $ XXXX {$6500.00}
Product: Vehicle loan or lease

there use to be a XXXX dollar interest at the begin of the loan for the vehicle when i would be passed due because the loan was pricy so i know have to pay XXXX dollars of interest a day the vehicle was sold to me at full price when it was used and my contract was very sketchy plus there has to be proof of malpractice issuing these crazy interese rate for used vehicle because Westlake financial services has been order to pay a settlement of XXXX XXXX dollars to consumers and i purchased a vehicle right after the date in XX/XX/XXXX a year after they found them guilty. Which were used between XX/XX/XXXX and XX/XX/XXXX, violate the federal Fair Debt Collection Practice Act and the Truth in Lending Act, the bureau said i quote XXXX  XXXX. I was subject to phone call debt collections right after 3 months and then i would pay high interest and would not qualify to refi because i was in debt and once i was out of debt i still wasnt qualified to refi with Westlake financial service i was given a small window of opertunity to purchase the car by Westlake 4 year term and would like to extend term payment or lower interest rate i feel hopeless when they use tactics to repo the vehicle when i was working in the XXXX XXXX  city left it parked and was repo by city traffic control i was only backed up 2 months and had the vehicle for well over 2 years and cant believe i still owe a lot i feel they are commitng fruad the payment doesnt go down.
Product: Credit reporting or other personal consumer reports

1.DEPT OF ED {$9300.00} UNVERIFIED/INNACURATE 15 U.S. Code 1681c2 ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 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.

15 U.S. Code 1681b ( a ) In general ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Product: Debt collection

Paid debt in full in XXXX, amount being reported is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on Equifax 's response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry I am not familiar with. 
XXXXDate of Inquiry XXXX XXXX, 2020 2020
Product: Credit reporting, credit repair services, or other personal consumer reports

TO WHOMEVER IT MAY CONCERN, THIS IS NOT THE FIRST TIME I HAVE BEEN ATTEMPTING TO REMOVE FALSELY, INACCURATE INFORMATION OFF OF MY CREDIT REPORTS. THE FOLLOWING ACCOUNT IS REPORTING NEGATIVELY AND DOES NOT BELONG TO ME : -XXXX  XXXX ( XXXX ) THIS ACCOUNT WAS SUPPOSED TO GET REMOVED BY EQUIFAX QUITE A WHILE AGO. XXXX HAD SEND ME A LETTER STATING THAT THEY WILL REMOVE THEY WILL ASK EQUIFAX TO REMOVE THE FALSE INFORMATION OFF OF MY CREDIT REPORT, DUE TO THE FACT THAT THEY CONFIRMED THAT I AM NOT ASSOCIATED WITH THIS ACCOUNT. I HAVE ATTACHED DOCUMENTATION OF WHICH PROVES THAT THIS ACCOUNT DOES NOT BELONG TO ME ( AS WELL AS MY LICENSE AND SSN CARD ). I DEMAND TO GET THIS ACCOUNT REMOVED, I DO NOT HAVE TO FEEL THE NEED TO ACQUIRE FURTHER LEGAL ASSISTANCE.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX , FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$8400.00} ; XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ON XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I pulled my credit report a few months ago and noticed I have some accounts that doesn't belong to me XXXX XXXX and XXXX XXXX. I've contacted the company and disputed the accounts several times and the accounts are still reporting. The company has never sent any of the information I requested. I am looking to buy a house and need the accounts removed immediately.
Product: Checking or savings account

Bank of America has been abusive in a hold on funds of {$3500.00}. from XXXXXXXX XXXX Draft from Business Checking ending in {$6300.00}, which were swiftly collected from XXXX after Bank of America ATM deposit on XX/XX/XXXX. 

The funds did not credit to the Bank of America Personal Checking account ending in XXXX, for XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX. The Branch has contended that they do not have the funds and that the Clearing House that they use has put a hold on the money and they are powerless to do anything about it. 

Meanwhile, today is 8th day, and they can not do anything to help me, even though I have a high rated Checking Account since XXXX ( XXXX XXXX ) with no history of overdrafts or fraud. 

Bank of America Branch, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX. 

XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, CA XXXX. 
Phone : XXXX.
Product: Credit reporting or other personal consumer reports

I filed a dispute on { XXXX, XXXX  XXXX } due to { According to the Fair Credit Reporting Act ( FCRA ) Section 605B, it is illegal to report information on my credit report without my permission. Please remove this item from my credit report. }. Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( experian ). 
They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! Experian has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances on getting { a car }. Experian violates my rights as a consumer, as well as federal laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

18 months and problem is still not fixed. I have made several in branch visits and phone calls. On XX/XX/21, I was instructed to mail a letter and was promised a response in 30 days. I have not received anything and the information is still missing. They refuse to speak with me directly, they only accept letters. I have tried repeatedly for over 18 months to resolve this. I have included two letters I was asked to sent.