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

I had a mortgage with MB Financial from XX/XX/XXXX-XX/XX/XXXX. During that time, they erroneously reported my mortgage as late twice. The first occasion was 60 days late in XXXX and XXXX of XXXX. I have always had auto bill pay, and have record of all on time payments. During the time period in question, I was notified halfway through XXXX that my payment amount had changed by {$12.00}. After numerous calls to the company, they were unable to confirm why that was. A week later I received a notice that I had a late fee due to non-payment. They told me that because the payment was short that {$12.00}, the deducted the entirety of my mortgage from my escrow account, and did not apply any of it to my principal. While I found this ridiculous, on XX/XX/XXXX ( within 30 days ) I paid the entirety plus fees. I was, thus, never late. I have all statements to prove as such. I have reported numerous times and it remains on my credit. 

Additionally, in XXXX of XXXX I was amidst a refinance which I thought would be done by the XXXX, leaving me with no payment. When it took longer, I paid it mid month ( the XXXX ). Nonetheless, they reported me 30 days late. I called them immediately when I saw this on my credit, and they assured me it was an error and would remove. I have two letters stating as such. They assured me they reported this to every agency, but that they did not receive a response. 

In XXXX, they were purchased by another bank. This bank has also notified all credit reporting agencies that I was not late in EITHER instance, however as of XX/XX/XXXX only XXXX had responded. 

I am requesting that this be investigated. I have proof that all payments were on time, and have letters from my original bank stating that this was in error and that they had notified reporting agencies. I have submitted this documentation every time I dispute. XXXX never even opened my claim.
Product: Debt collection

Initial debt with XXXX started in XX/XX/XXXX charged off account. Collection agency started reporting in XX/XX/XXXX. Still attempting to and reporting on a debt that is past the statute of limitations.
Product: Bank account or service

My Bank ( Key Bank ) gave money to a person claiming to be me at the teller window. They said the transaction was " authenticated '' ( Bank Speak for had Proper Documentation?? ). When I discovered the error I asked for my money back. However, they were not willing to return it. The amount in question is {$940.00} ( document attached ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter to the BK court in XXXX XXXX, NV, and asked how and with who they reported my information about my BK and they stated the BK court does not report information to any credit bureaus. So in return, I wrote a letter to the company that is reporting my BK and asked them what was their process for verifying the BK that they are reporting and after the credit bureaus stated that they got the information from XXXX. On XX/XX/2021, I received a letter from XXXX stating that they received my correspondence and the investigation was completed the findings followed, they deleted the information from their records case number XXXX because they were unable to verify the accuracy of the bankruptcy within the required timeframe outlined by the FCRA and it's removed from the record of my XXXX report. I then sent the letter from XX/XX/2021 from the United States Bankruptcy Court District of Nevada and the XXXX report stating all this information and then sent a letter back stating that it's verified through XXXX. This is IMPOSSIBLE when there is no record of a Bankruptcy on my XXXX report. I want this DELETED IMMEDIATELY from all 3 bureaus because it's not 100 % ACCURATE at all! My personal information is as follows and any other names, addresses, or employment also needs to be removed : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NV XXXXCURRENT ADDRESS, XXXX XXXX of XXXX Nevada-XXXX  XXXX THIS INFORMATION SHOULD ONLY BE REPORTED.
Product: Credit reporting or other personal consumer reports

I sent all required documents to have unauthorized inquiries removed off my report. I sent everything certified mail and they are still stating they don't have my information and refuse to remove the unauthorized inquiries from my report.
Product: Credit reporting or other personal consumer reports

I had my information stolen. I live in XXXX, and someone in XXXX  opened an account with a credit union in my name, and attempted ( or did ) buy a vehicle in my name. They also applied to like 4 other things and they all appeared on my credit report as hard inquiries.

I contacted the bank ( XXXX XXXX ) and they closed the account and opened up a police report for me, but nothing came of that. I reached out to all 3 credit bureaus and they did not remove any of the fraudulent inquiries that were done under my name in XXXX, so my credit has plummeted as a result of that, and nobody seems to care about fixing that. The hard inquiries that were done that were not requested by me were all done at the beginning of XXXX of XXXX. They are as follows : XXXX XXXX ( Finance/ personal ) XXXX XXXX XXXX XXXX  ( Banks ) XXXX XXXX XXXX XXXX ( Finance/Personal ) XXXX XXXX XXXX XXXX XXXX  ( Finance/ Personal ) XXXX XXXX XXXX  I would like these 4 things removed from my credit report, because I did not apply with any financing companies, banks, or anything else at all in XXXX. 

Attached are the dispuite letters I sent to all 3 credit bureaus asking them to remove the issues with my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to remove the following items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items not later than 4 business days. Ive already included this in my previous Complaint & I am including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXXXXXX XXXX # XXXX XX/XX/XXXX -- {$2000.00} XXXX XXXXXXXX XXXX # XXXX XX/XX/XXXX -- {$2000.00} XXXX XXXXXXXX XXXX # XXXXXXXXXXXXX XX/XX/XXXX -- {$2000.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$3600.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$3600.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$680.00} XXXX XX/XX/XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXXXXXXX XX/XX/XXXX -- {$3600.00} XXXXXXXX XXXX  # XXXX XX/XX/XXXX -- {$8800.00} TU UNAUTHORIZED INQUIRIES PLEASE DELETE : XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX Equifax PFS XXXX XXXX XXXXXXXX XX/XX/XXXX TransUnion
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have lots of inquires on my credit that I did not authorize nor did I know about. These inquiries are affecting my score in a negative way. I lost my wallet last year which had my drivers license, social security card in it. I have 2 credit cards one is XXXX XXXX and the other is old nave which I am a authorized user for the XXXX  XXXX. My score was in the 700 's now it is in the high 600 's. Remove these immediately! I do not own a home, I do not own a car. The inquires in dispute are : XXXX XXXX/XXXX Inquiry : XXXX XXXX, 2017 + Supermarkets XXXX/XXXX Inquiry : XXXX XXXX, 2017 +  Complete Dept. Stores XXXX Inquiry : XXXX XXXX, 2017 + Personal Loans Cos. 
XXXX XXXX Inquiry : XXXX XXXX, 2017 + All Banks XXXX Inquiry : XXXX XXXX, 2017 + National Credit Card Cos.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute regarding the incorrect items on my credit report. It has been more than 30 days and I have not received any investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

After looking through my report i spotted a lot of violations. According to the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. I've done everything I could do in disputing this with the bureaus, but unfortunately, they can't help me, so I've came to my last resort with you guys, in hopes of keeping my credit report 100 % accurate. I went ahead and listed the accounts below that have violated my rights Account Name : XXXX, Account Number : XXXX Account Name : XXXX, Account Number : XXXX Account Name : XXXX XXXX XXXX, Account Number : XXXX The credit bureaus stated my account was properly investigated, but how is that possible if the date open date is inaccurate, the date of last verified is inaccurate, the balance is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, therefore these accounts must be removed asap, they also violated my rights under -15 U.S.C 1681 section 602 A. States I have the right to privacy.

-15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions -15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

-15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

i want to freeze my credit with EQAFAX and they make it impossible either online or talking to automated ai or even talking to a real human. this is a billion-dollar corporation that obviously doesn't want you to freeze your credit. there was no problem with XXXX or XXXX. the first time was in XXXX and then twice today.
Product: Credit card or prepaid card

I was rewarded with 4 American Express Reward Cards in the amount {$100.00} dollars each. So for a total of {$400.00}. The cards have a valid thru date some ranging from XX/XX/XXXX and the others being XX/XX/XXXX. After reading the terms and conditions. Which you can see here. 
XXXX XXXX XXXXl I called the number on the back of the card to get a clear understanding about the availability of the funds on my cards. I was told since the valid thru card had expired that my funds were no longer available. When I asked whether they could issue me a replacement card they stated no. The number on the card XXXX the link to the terms and condition also reflects that same number. Not to mention that it clears states that FUNDS DO NOT EXPIRE The funds on the Card do not expire. 
and that VALID THRU DATE The " valid thru '' date on the front of the Card is the date through which your physical plastic card may be used. This date is required to process transactions at merchants that request a plastic expiration date. Even if the " valid thru '' date has passed on the Card, its Available Balance remains unchanged and intact. If an Available Balance remains on the Card after the " valid thru '' date, call XXXX to obtain a replacement Card or for instructions on how to redeem the Available Balance. 

Lastly the Credit Card Act of 2009 Title IV states Expiration date : Under no circumstances may the cards expire sooner than five years after ( 1 ) the issuance of the gift certificate or card, or ( 2 ) the date funds were last loaded to a store gift card or general-use prepaid card. If a card is subject to an expiration date, the terms of expiration must be clearly and conspicuously stated before issuance. The Act also prohibits imposing fees to replace an expired certificate or card if the underlying funds remain valid to ensure that consumers have full use of the underlying funds for the minimum five-year period. 

I feel American Express is in violation of the consumer protection act and is operating in the manner for some time.
Product: Mortgage

Submitted a mortgage loan application with MLB Residential Lending , LLC for a refinance mid XX/XX/XXXX. Went through all processing stages and received a clear to close from the lender and their closing attorney on XX/XX/XXXX. The loan was scheduled with the title company for settlement XX/XX/XXXX at XXXX XXXX. The day prior to settlement, XX/XX/XXXX, I received a phone call from my loan officer that the underwriter stated that the loan can not close as currently structured due to investor guidelines and we have to restructure the loan as a purchase transaction. Over the next 3 weeks I submitted additional documentation requested by the lender and received my new disclosure package on XX/XX/XXXX at XXXX XXXX. I re-signed the new disclosure package and printed 6 documents and physically signed and faxed back to the lender, per instructions provided by lender and loan officer. Prior to the close of business that same day, I received an email stating that my loan status has changed to statement of denial and instructed me to contact the loan officer with any concerns and/or questions. After further review, my loan was denied due to incompleteness. I inquired with my loan officer and he disclosed that he was no longer employed by MLB Residential Lending , LLC and instructed me to contact them directly moving forward. I called the lender and left a voicemail message. My call was not returned. I then followed up with an email inquiring about the denial and I received an email back stating that the loan was denied due to the sales contract not being complete. I have sent several emails asking why I was not given an opportunity to fix and/or provide additional information to complete the sales contract. To date, I have not received an answer from MLB Residential Lending , LLC giving me a reason why.
Product: Credit reporting or other personal consumer reports

Dear XXXX CFPB ENFORCEMENT Since XXXX I paid on time the XXXX XXXX XXXX account XXXX fully paid in installment basis in XXXX XXXX XXXX did not reported my XXXX montly payment to three credit bureaus- they said to these XXXX. institutions that they will fix it it ask of these day it was not reported, the one they reported is the XXXX XXXX XXXX XXXXXXXX where XXXX asked me for {$3500.00} down payment in XXXX they said that my credit score was XXXX? cause and my 36 months lease in XXXXXXXX XXXX XXXXXXXX account XXXX is not reported in there credit report and the Equifax XXXX XXXX  XXXX XXXX XXXX.
Product: Checking or savings account

On XXXX XXXX I transferred {$250.00} to my moms account at XXXX from my Bank of America accounts XXXX option. I send her money using this process about every month and sometimes more than once a month. This time the money did not go to her account, I checked with her for hours after the transfer. Thinking it may be a bank processing delay, I made the same transfer again for {$250.00} to her account name and phone number using Bank XXXX Americas XXXX option. This second time she did receive the transfer. By the next day the first {$250.00} had not been received and I have contacted Bank of America repeated times by phone and created claims to get help getting my money back. This is FRAUD. Bank of America has been very dismissive and saying I agree to their service and transfer made ; however when I provided all the details to both transactions they told me the first transfer went to a Bank of America XXXX account and that they couldnt do anything. They promise and advertise total protection and reassure clients they will protect our money from fraud and these type of problems. 
I believe they need to refund my money lost in their systems as part of my account protection ; and must have better protection for these transactions they provide service for thru their systems.
Product: Debt collection

To Whom It May Concern, The reason for my dispute is CONVERGENT OUTSOURCING INC XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). 
However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, CONVERGENT OUTSOURCING INC failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) CONVERGENT OUTSOURCING INC failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation CONVERGENT OUTSOURCING INC is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where CONVERGENT OUTSOURCING INC is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. CONVERGENT OUTSOURCING INC has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Product: Credit reporting or other personal consumer reports

Bank of America has reported incorrect/damaging information on my consumer report. The report is a defamation of character as it gives the impression I commit fraud- NOT TRUE, and I do not pay my debt- NOT TRUE. My account was closed XX/XX/XXXX original reason was Closed For Cause-Purged Previous Account Status : Closed For Cause. BOFA advised I owed a debt, XX/XX/XXXX I paid the debt then the creditor updated my information as paid- ( after me calling back to back for a year to get this correct ) however they also updated the information stating the closure reason is now account fraud as of the payment date XX/XX/XXXX. This caused all my account including auth accounts to be restricted, unable to use a debit card, and all my benefits and loan opportunities from my bank were dissolved. This information has severely impacted my financial health and my life. XXXX XXXX have been notified i have filed disputes, they have not provided any information as to how this can be accurate. Bank of america as well as XXXX XXXX both have class action lawsuits in the works, and have lawsuits pertaining to this. Fralish v. Early Warning Services , LLC FILED : JUNE 17, 2022 Becker v. Early Warning Servs Early Warning Servs. v. Grecia STEWART v. EARLY WARNING SERVICES In June of 2017 a federal lawsuit was brought against BOFA, Ruane v. Bank of America, this situation is very similar to mine. I have filed a complaint years ago detailing how the reporting left me homeless and caused severe harm to my physical and mental well being due to the financial distress I was placed under. I need this resolved. I can not afford to take care of my family. I cant afford life saving meds. Please remove this report or update it fairly. This is evil, its not fair, its not right, its wrong to treat people like this. This is not fraud on my part but on both BOFA and XXXX XXXX for wrongfully reporting this information, especially waiting until after receiving a payment from me. This is a shame.
Product: Credit card or prepaid card

Submit Credit Card # XXXX XXXX XXXX XXXX Due to th several Federal Govt interest % point hikes in the last several XXXX or so months..it has become increasingly difficult to pay I am.REQUESTING some relief on the interest being charged on my account thru a company XXXX XXXX XXXX XXXX '' I am being charged several XXXX dollars in the last XXXX XXXX  days alone on this account and the account was placed in " forbearance '' which ended today XX/XX/2023 I would like to be CREDITED as a XXXX time courtesy of all interest and fees applied to this account while the account was in FORBEARENCE status Thx u
Product: Credit card or prepaid card

I have two accounts with, Synchrony Bank One account is with the Care credit card for dental bills which I only use twice. Once for a bridge and the other time for dental extraction. Which total about XXXX. I have been paying month. There is a issue with me paying after the due date because I pay most of my bill when I receive my social security check. Now the total is over XXXX. 
The second account is with JC Penny card but the payment goes to Synchrony Bank That balance is over XXXX. Something is very wrong with the amount of increase interest being charged and changed when no other purchase have been made on either of these cards, to justify this practice
Product: Debt collection

i don't know anything about this company equifax keeps putting this on my credit they will take it away then put it back
Product: Money transfer, virtual currency, or money service

Coinbase implemented the support for XRP cryptocurrency and when I pulled up the deposit web form it showed only the wallet address, it did NOT show an XRP tag, so I completed the transfer and it said it would take 10min, after 20min I checked my wallet and it was not in there, so I opened up a support ticket, they said that the form should have had a wallet address and an XRP tag number which mine did not. I even sent them a screenshot of it showing no need for the XRP tag when I pulled up the deposit form on their site. They proceed to tell me they can not put the currency that I transfered to their wallet in my XRP wallet when this was NOT my fault in ANY WAY!!! This is a fault with their site and DEV team letting people submit transfers without their system being fully operational and in no way did it say any tag requirement when I made the transfer and I have proof of that. They need to fix this or I will be pushing the issue legally as this was NOT MY FAULT because their site was not fully functional since implementing their new XRP support wallet!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint about all three major credit bureaus. I have tried to change personal information through virtual means and have been unable to do so. The only way the process prescribes is to send supporting documents through the mail. It is the year 2020 when so many things are accomplished through digital or virtual means. It is time to be able to change one 's maiden name to one 's married name without having to send documents through the mail but instead so that they can be sent by virtual or digital means. I am complaining because XXXX XXXX, and Experian all refuse to change the process and emphasize that these documents can only be sent through the mail. This process needs to change because it is the year 2020 and making this more difficult for a woman who has either married or gone through a divorce should not be so ridiculously and utterly difficult.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX  XXXX Account Number : XXXX ; XXXX XXXX Date of inquiry : XX/XX/2022 ; XXXX Date of inquiry : XX/XX/2022 ; XXXX  Date of inquiry : XX/XX/2022 ; XXXX XXXX Date of inquiry : XX/XX/2022