23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I have an automatic payment setup for my mortgage at XXXX XXXX XXXX XXXX. XXXX submitted the debit for my mortgage payment on the XXXX to my Bank ( Bank of America ) checking account that I have setup for this payment. I noticed on the XXXX that the payment was processing and noticed that the account was short XXXX dollars for that payment so I made a XXXX transfer on the morning of the XXXX from another bank account at another bank to make sure that the amount of my mortgage was covered. On the XXXX I logged in to my BofA account and noticed that the there was a returned payment to XXXX for my mortgage due to NSF. I called to BofA to get clarification and was told that since I didn't have the funds in my account the payment was returned unpaid. I advised that I made a transfer from a different account when the payment was still marked " In Process '' so why would they send it back. They advised that this was all done the same day. I advised that it was not. Now I'm getting a NSF fee from my mortgage bank XXXX due to the lack of communication from BofA. when the payment was still marked as " Processing '' and the funds were added on my account to cover my Mortgage payment. 

When I told BofA I would be submitting a complaint to CFPB and OCC about this they just brushed it off and advised that there was nothing they could do. 

BofA Account number : XXXX
Product: Mortgage

Midland mortgage has added {$5500.00} to our mortgage statements. When we spoke with them they stated that charge was from the previous Mortgage Company that service the loan. However, for over 1 year and half they have failed to produce any receipts that validate this charge per written request to the Office of Vice President at Midland Mortgage. We just completed a modification as a result of COVID -19 and making payments. However, the statement due we received is now showing nearly {$8000.00} ( Statement Attached ) due when I payment is {$1600.00}. Even though we just modified the statements still show we are behind, but there is no validation of the fees. This mortgage was transferred to Midland on XX/XX/2016 ( Transfer Document Attached ). It was nearly four years before we saw these charges appear on our statements. Midland is stating the fees are attorney fees from XXXX who they purchased the loan from in 2016, but provided no documentation. In addition, they are stating the fees are for {$20.00} fees a month for someone driving by our home. I have emailed Midland and spoken with them to request these charges be removed. We spoke with them again today and receive the message don't worry those charges are only due at the end of the loan, but the charges are appearing due now on the statement. We are doing all we can to pay our mortgage and in the middle of all this pandemic and an extra {$5500.00} is added to your mortgage without any standard of justification.
Product: Credit reporting or other personal consumer reports

I contacted Lexis Nexis back in XXXX XXXX stating there were inaccuracies on my credit report. I was told they never received the letter. I called spoke to a representative on XXXX  and was told to get a police report. I got an affidavit and police report for the fraudulent account on my report. I sent a letter to Nexis Lexis on XXXX XXXX XXXX. I called again on XXXX XXXX XXXX to see if my letter and affidavit was received, the representative said no. I called back today, my letter is till not processd. My credit is affected by these penalties, this look SUSPICIOUS AND DECPTIVE, I demand " TO SEE '' Valid Authorization/proof of alleged debt. Report without valid proper discloser requirements are in direct violation of my consumer rights. I XXXX XXXX legally requested that Lexis Nexis remove this fraudulent account from my report. Federal laws requires you to respond in 30 days failure to comply with these federal regulations by FTC u.s c41, et esq
Product: Money transfer, virtual currency, or money service

To anyone that may concern in CFPB, Blockchain.com. 
On XX/XX/XXXX. XXXX, I withdraw XXXX XXXX from the account to XXXX  They withheld it for a nearly a mounth, now it says that the funds are transfered ( witch they are not ), but they withdraw approval for further transactions because thay can not verify my identity! XXXX is full of statements about their way of doing business, you can make a payments in their account, but you can not withdraw anything. Url for XXXX topic : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They did this in the summer of XXXX, is was forced to sell everything, because they said that they will shut the account ( after couple of months leading me around with all the false requests )! 
I think that they are basically scaming people, taking the funds, and than leading them around just not to allow them to make a withdraw. All the documentation will provide on request. 

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

Hello, I have been reporting unverified information on all 3 credit buraus, It has been several months and i have no heard anything or have gotten any response via email or address included in all 3 letters per bureau. I have significantly been affected by these unverified accounts and a violation of section 609 ( a ) ( 1 ) ( A ) and section 611 ( a ) ( 1 ) ( A ) has been breached. I had asked that all information be verified with proofs. I also Adked that addresses that do not belong to me be removed within 30 days. they are still on my credit and are affecting me significantly during this Epidemic, causing me to lose my home being i could not find get financial assistance due to poor credit history. I have mailed all 3 letters and kept track of dates and letters via a laptop in which i will attatch to this report.
Product: Credit reporting, credit repair services, or other personal consumer reports

recently i did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalided and questionable items on my report the the agency didnt make sure was 100 % correct. 

in accordance with the FCRA everything has to be 100 % accurate on my report and under the US code 1681e ( b ) and 15 US code 1681 ( 5 ) these accounts are in violation of not reporting accurate information.
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 MHas violated my rights 15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681 c. ( a ) ( 5 ) Section stats : 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
Product: Credit reporting or other personal consumer reports

This is my 18th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$5100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 : I paid {$1400.00} to American Express. I had closed my account 2 months earlier proactively. It became past due. I then paid {$1400.00}. 

XX/XX/2019 : I had submitted complaints to both XXXX and AmEx that they only show my account closed now. They show {$0.00} payment made. I even sent the screen shot of payment posted and cleared. They need to show that I made a {$1400.00} payment. 

NOTE : When XXXX executed the complaint, my credit report was updated to show new balance on the account, but shows a {$0.00} payment made. That is designed to be deceitful, so that another creditor will assume the amount was written down {$1400.00}, versus paid. AmEx needs to show that I paid {$1400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In complaint XXXX my concern is that Equifax will not explain why I can not access my report online. This complaint is because cfpb closed that complaint without requiring that the issue be addressed by Equifax. 

All I am asking for is that Equifax explain why it will not allow me to have online access to my credit report!
Product: Credit reporting or other personal consumer reports

I was late in making a payment. I submitted payment to pay off the account balance in its entirety. After I made the payment they processed interest due on the late payment. They reported that interest due as the account being delinquent to the credit reporting agencies. 

I called Bank of America and spoke with their customer representative and went through the sequence of events and asked why my account was reported as delinquent, when it clearly was never delinquent. His response after reviewing the account information was that he could see the account was paid but their systems are set up at corporate level and he could nothing about it. I asked to speak to a supervisor, was told none were available but one would contact me within XXXX hours. I never received a follow up phone call from anyone at Bank of America.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 section 602A states I have the right to privacy. In accordance with the fair credit Reporting Act ; XXXX XXXX XXXX XXXX XXXX Account has violated my rights. 

604A Section 2- It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly disputed the accuracy of a Care Credit/Synchrony Bank account that is reporting inaccurate derogatory information on my credit reports. According to my XX/XX/XXXX XXXX credit report ( see attachment ), Care Credit/Synchrony Bank reports a closed account ( Close Date :  XX/XX/XXXX ) with a credit limit of {$500.00}. However, the High Balance and Original Charge Off amounts are reporting as {$1400.00} in XXXX. In my previous disputes, I requested copies of the original signed agreement and terms and conditions for the account to assist with determining if the agreement outlined that interests and fees would accumulate after the account was closed. Synchrony Bank did not provide me a copy of the original signed agreement and terms and conditions of this account, as requested. However, they provided copies of purported billing statements that do not reflect that the account was closed in XXXX ( as reported on my credit report ) nor does it substantiate what the original signed agreement and terms and conditions were? 
Therefore, I am requesting a CFPB INVESTIGATION for this account. Specifically, I am requesting that Synchrony Bank provides a copy of the original signed agreement and terms and conditions to substantiate that an account, in good standing, can be closed then exorbitant fees be assessed for years, thereafter? No reasonable person would agree to paying nearly three times the original credit limit in fees. This is a fraudulent accounting practice that allows big banks to write off excessive amounts of losses that consumers never truly owed. 
Further, the fraudulent misreporting of this account information on my credit reports is a blatant violation of the Federal Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

XXXX, ADP, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, DMV, Social Security, SSA have all used my personal and confidential information to provide employment, benefits and health coverage to an undocumented criminal.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of negative accounts from my credit report due to my status as a victim of fraud. I have recently filed a complaint with the Federal Trade Commission ( FTC ) regarding this matter. 

As a result of fraudulent activities, my credit report contains accounts that do not belong to me. These accounts are negatively impacting my credit score and overall financial well-being. I have taken the necessary steps to report the fraud, including filing a complaint with the FTC, which I can provide upon request. 

Under the Fair Credit Reporting Act, I believe I have the right to have these erroneous accounts investigated and removed. I kindly ask that you review my case and take the appropriate actions to delete these negative entries from my credit report. 

Please confirm receipt of this letter and let me know what steps will be taken to resolve this issue. I appreciate your prompt attention to this matter and look forward to your response.
Product: Debt collection

This company is illegally trying to collect a debt that was XXXX in a bankruptcy chapter XXXX back in XXXX. It has been 18-19 years since this was discharged. Statute of limitations also prevents this company from continuing to contact me. There first contact was XX/XX/XXXX, then again on XX/XX/XXXX. XXXX ( XXXX XXXX XXXX sold this debt After Discharge and opened it up after it was written off. This company needs to cease any and all further contact. There attempts to get me to respond to There shenanigans which will open this debt and put it back on my credit report is XXXX. They need to stop NOW. I no longer have paperwork on the bankruptcy due to it being over 15 years almost XXXX years old. So how am I to send proof when it has already fallen off credit report and I no longer live in CA, and am not required to keep copies past 10 years.!!
Product: Credit reporting 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general lf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried repeatedly to get my report updated and all three bureaus keep reaging my accounts and saying that they were verified when I know they were not verified. The dates and amounts are all incorrect. Last active and Last reported are all showing different dates, the amounts are all wrong and the comments like account closed and when it was closed are all wrong. These are just some of the inaccuracy I have found and Have repeatedly sent letters regarding it but I am very aware they are not actual people looking at these letters. I do understand that they letters go through OSCAR system which will automatically kick out a verified letter. This is unfair.These Bureaus need to be stopped.They can not continue violating the rules and think that it is ok to do so. They are reporting inaccurate information and its causing havoc on my end. They have violated many FCRA Rules especially the 15US Code 1681s-2 and ( 623 ) ( A ) ( 7 ) amongst many others. They are treating many as well as myself unfairly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX  XXXX Balance : {$1900.00} XXXX  XXXX XXXX Balance : {$680.00} XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXD XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Complaint : Dispute of Inaccurate Reporting and Request for Validation Failure to Issue 1099-C Subject : Dispute of Inaccurate Reporting and Request for Validation Failure to Issue 1099-C Dear Consumer Financial Protection Bureau ( CFPB ) , I am writing to formally dispute the reporting of a collection account associated with Experian, Equifax, and TransUnion on my credit report. I believe the reporting of this debt is inaccurate and does not comply with applicable federal regulations. These items were purchased by a third-party debt collector, but the information on my credit report does not reflect the correct status, amount, or details of this account.

Inaccurate Reporting : The reported debt shows an incorrect balance, and it reflects amounts that do not align with the agreement made with the third-party debt collector. This debt was settled for less than the amount owed, but the credit reports from Experian, Equifax, and TransUnion do not reflect this. As a result, the information reported is not accurate and violates the Fair Credit Reporting Act ( FCRA ), which requires complete and accurate reporting.

Failure to Issue 1099-C : The collection agency failed to issue a 1099-C for the debt that was settled for less than the owed amount. I am unaware of the exact amount the collection company paid for this item, and my credit report does not reflect such amounts. The failure to issue the 1099-C or report accurate information about the settled amount is a clear violation of the FCRA.

I have attached a copy of my credit reports with the discrepancies highlighted for your reference.
Product: Credit card

I reached out to SunTrust Bank via electronic banking secure messaging to inquire about increasing my credit limit. I explained in detail my request and concerns I had regarding the process, specifically whether a " hard inquiry '' is required for this process. I was instructed to contact the XXXX number for further assistance. I called the number provided to request they review my account eligibility for an increase to my credit limit. Their touch-tone phone menu was incredibly frustrating, and would not allow me to press " 0 '' ( to speak with a representative ). The automated system insisted I choose an option, for which none were relevant. I had to hang up and call a second time using the voice commands in order to be able to speak to someone. Once a representative answered ( XXXX, sp? ), I was told that more information would be needed and that they would need to submit a credit application. Before I allowed the associate to continue, I inquired whether this would result in a " hard inquiry '' or a " soft inquiry. '' I was told that consideration for a limit increase would result in a " hard inquiry ''. Therefore, I declined to move forward. I find this practice predatory on consumers. First, the E-Banking specialist should have indicated in his response that SunTrust requires a hard inquiry, especially considering I communicated my concerns. Secondly, SunTrust already has updated credit information pulled monthly, so I see no justification on why they feel it is necessary to pull a new report. They have their own account relationship data, as well as monthly updates on credit reports that can be used to " score '' whether or not a consumer is eligible for a limit increase.
Product: Credit reporting or other personal consumer reports

Equifax has no permissible purpose to furnish a report on my behalf i never gave written instructions
Product: Debt collection

It seems as if me having to file complaints against this horrendous company is becoming a common and reoccurring theme. This company has yet to present any proof that I didn't fulfill my contractual obligation. They only present what is ALLEGED that I owe but have yet to show that I did not fulfill my contractual obligation. They only go by what is alleged. It looks to me that it's my word against theirs. But I'm basically guilty until proven innocent when it should be the other way around. Horrible.
Product: Credit reporting or other personal consumer reports

Transworld creditors put a delinquency open on my credit owing from XX/XX/XXXX  in a home that i never lived in. I am requesting any documents that I signed this. I will not pay for something I didn't sign.
Product: Credit reporting or other personal consumer reports

I would like to dispute the fraudulent information on my the credit report. This information is damaging my creditworthiness and giving me stress. I reached out to my local police department about this and they said I should file a complaint to Federal Trade Commission or FTC. I know this will help me to remove the fraudulent information from my records and will justify my claim as an identity theft victim. As soon as I submitted the required FTC and contacted the company, they said they will remove the account from their record. 

Also, the account is no longer reporting on both XXXX and XXXX. So my mind questions if what kind of verification process you do to continue reporting this fraudulent account? Please DELETE this account ASAP : XXXX XXXX XXXX XXXX
Product: Debt collection

Central Professional Services ( XXXX XXXX XXXX XXXX XXXX, MI XXXX ) sent me a letter saying as of XXXX, I owe {$1400.00} to XXXX XXXX XXXX XXXX. We have never used XXXX XXXX XXXX XXXX. I called Central Professional Services and the woman I spoke to said she would reach out to them and ask for an itemized receipt. I then called XXXX XXXX XXXX XXXX and she said they dont use that collections company and they dont even have reference of me anywhere ( I even provided the account number that was apparently associated to me ). She said she was going to contact them as theyve received several emails from them regarding claims that they dont have reference of. She mentioned there might have been a data breach.