23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/2021 it came to my attention I paid my prior mortgage company, in error instead of paying the mortgage company Dovenmuehle Mortgage XXXX : XXXX XXXX XXXX , XXXX . 
On XX/XX/2021 I spoke with company representatives XXXX and XXXX. I explained that on XX/XX/2021 I bill paid ( through the bank ) my mortgage payment, to them by mistake. I didnt know this had been done until I received my next months mortgage statement. I email a copy of the notice from the bank stating they had my money since XX/XX/2021. Both reps acknowledged receipt. XXXX XXXX said that on the XXXX a check for my payment was mailed back to me. 
I called again on XX/XX/2021 and spoke with supervisor XXXX ( older but compassionate, this will make sense in a bit ) she stated the check wasnt mailed until the XXXX. Now they not only have my money but supervisors are lying about actions. 
On XX/XX/2021 I spoke with another Supervisor XXXX ( younger and put on a much bigger show of concern and action, it was just a show no action was taken ) she put me on hold after I went through my situation for about the sixth timewhen she returned she stated I just needed to give my checking account number and routing number and they would ach my payment back to my checking account. Im like great lets do that ( this should have been done immediately or forwarded to the mortgage company they sold my loan to ) according to supervisor XXXX that is what should have happened. 
On XX/XX/2021 I spoke with supervisor XXXX she informed me that nothing can be done until 15 days after check sent out ( that would be XX/XX/2021 ). I asked to speak with her supervisor she said ok and a complete XXXX  named XXXX ( XXXX ) came on and validated supervisor XXXX information. When I asked what my other recourse may be he said there was nothing I could do but wait, I asked for his supervisor he state I have gone as far as I can go and he would not pass me on any further because nothing could be done until the XXXX. 
First problem is accepting money you know you dont have a loan for any longer ( they knew that since the XXXX per all supervisors I spoke with ). Yes, this was my error in the beginning but this company has made it a nightmare. Second is sending money back through the mail. I informed them that there is mail theft almost daily where I live. I asked that they put a stop payment on the check and transfer it electronically ( safer and faster ). If they actually sent it out on the XXXX it is still not here, I worry thieves may have gotten it already. The mail is slow but not that slow! I am terrified if I dont get the check how I will make up that money to meet my financial obligations.
Product: Credit reporting or other personal consumer reports

The fair credit reporting act 15 USC 1681 section 602 a says there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness impartiality, and I respect for the consumers right to privacy. I have the right to make sure my private information isnt shared which is proven in 15 USC 6801 which states, '' it is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its consumers and to protect the security and confidentialities of those consumers non-public personal information. ( furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that in general subject to subjection ( c ), any consumer reporting agency may furnish a consumer report on the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. ( Furnisher of information to credit agencies ) the financial institution and consumer reporting agencies XXXX and XXXX do NOT have my consent to furnish this information and they surely do NOT have my written consent. Any and all consent to XXXX, XXXX, ( furnisher of information to credit agencies ) be verbal, nonverbal, written, implied or otherwise is revoked. 15 USC 6802 ( a ) ( b ) states that a financial institution may not disclose nonpublic personal information to a nonaffiliated third-party unless-the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( furnisher of information to credit agencies ) hes never informed me of my right to exercise my nondisclosure option. In addition, 15 USC 16 81C ( a ) ( b ) except as authorized under ( b ), 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 with auntie dates to report by more than seven years. These accounts were an adverse items they are reporting again without my permission which is against the law 15 USC 1681 s2 ( A ) ( 1 ) A states 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 in accurate. 15 US code 1681e states " every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681C of this title in to limit the furnishings of consumer reports to the purposes listed under section 1681b of this title. Also 12 CFR code 1016.7 says '' A consumer may exercise the right to opt out at any time. " I am opting out of your reporting services. ''
Product: Credit card

I tried to use some of my Chase Credit Card points with their Ultimate Rewards Program to buy a plane ticket. I was charged in points for the ordinary economy ticket, however, what I got was a very restricted ticket that gave me the choice of only a few seats in the back of the plane, and I could not upgrade seats, nor was the ticket changeable even for a fee. I ordered and thought I got a regular economy ticket, but the airline said it was a special restricted ticket.
Product: Credit reporting or other personal consumer reports

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

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

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA XXXX ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. These accounts are hurting my ability to obtain credit. It's my understanding that you will investigate these accounts for me to ensure accuracy Here are the account I am asking you to verify as accurate : XXXX XXXX XXXXXXXX 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, credit repair services, or other personal consumer reports

I am formally requesting this letter to update the following items in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission. 
XXXX XXXX XXXXXXXX Balance : {$1400.00}. 
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX of 2020 on my credit report I discovered 2 collections each for approximately 800.00. I called and discovered someone in Ohio used my information to obtain cable services. I discovered his mane and the town in Ohio. I contacted the first company and the collection was removed easily. The next company would not speak to me because I was not the name on the original order even though it was all my info.
Product: Money transfer, virtual currency, or money service

My salary was transferred to my Wise bank account on the XX/XX/22, the money is still not available to me. Wise simply says there is a technical error and the team is working on it. No additional information is given no matter how many times I ask. All excuses and reasons are vague. They have not located my salary nor given me any progress updates. It is now the XX/XX/22 and I still don't have my money.
Product: Credit reporting or other personal consumer reports

State of Michigan XXXX of XXXX XXXX XXXX XXXX, being first duly sworn, deposes and says : Identity : I am the individual whose name appears on the credit report issued by on XXXX, XXXX and Transunion XXXX. 
Dispute of Inquiries : I dispute the accuracy of the following inquiries listed on my credit report 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  These inquiries were made in violation of 15 U.S.C. 1681b and 1681n, as they were not authorized by me or made for legitimate business purposes. 
Dispute of Collections : I dispute the accuracy of the following collections listed on my credit report : XXXX XXXX XXXX. These collections were reported in violation of 15 U.S.C. 1692g and 1692c, as they were not valid debts or were not properly communicated to me.

Dispute of Charge-Offs : I dispute the accuracy of the following charge-offs listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These charge-offs were reported in violation of 15 U.S.C. 1681e and 1681i, as they were not accurate reflections of my creditworthiness or were reported in error.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) there was an ACH glitch that occurred to Pentagon Federal Credit Union that created duplicate ACH transactions. This lead to me having overdraft fees and return payment fees. The payments as of XXXX XXXX have still not reached my creditors and the funds have been taken out of my account without my debts being taken care of.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Account with XXXX XXXX Dear CFPB, I am writing to formally dispute the accuracy of an account reported by XXXX XXXX on my credit reports from TransUnion, XXXX, and XXXX. The account number in question is XXXX. I have reviewed my credit reports, and I can confirm that this account is not mine. 

Details of the Dispute : Account Type : Revolving ( Credit Card ) Date Opened : XX/XX/XXXX Balance : {$84.00} Account Status : Charged off as bad debt Legal Basis for Dispute Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that I believe is inaccurate or incomplete ( XXXX XXXX. XXXX ). The FCRA requires credit reporting agencies to conduct a reasonable investigation into disputed information ( XXXX XXXX. XXXX ). 

Additionally, the Fair Debt Collection Practices Act ( FDCPA ) prohibits the reporting of false information related to a debt ( XXXX XXXX. XXXX ). Since this account does not belong to me, it is a violation of the FDCPA to report it on my credit file. 

Furthermore, according to the Identity Theft and XXXX XXXX XXXX ( XXXX XXXX. XXXX ), I have the right to report instances of identity theft. If this account was opened fraudulently, it is essential that it is removed from my credit report. 

Requested Actions I kindly request that you investigate this matter thoroughly and provide documentation proving that this account belongs to me. If you can not provide this evidence, I ask that the account be removed from all credit reporting agencies. 

Please respond to me at the address above within 30 days, as required by the FCRA. I appreciate your immediate attention to this matter. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Last month, I received a strange letter ( attached ), I believe from Bank of America, and a hard inquiry on my XXXX credit report. I did not apply for credit of any kind. 

The credit report lists the following information : BK OF AMER Inquired on XX/XX/2022 XXXX XXXX XXXX XXXX XXXX TX, XXXX I initiated a message to Bank of America 's fraud department but received no reply. Today, I disputed the inquiry with XXXX. They asked me to report this to the FTC and that the agency passes along information about this report.
Product: Credit reporting or other personal consumer reports

Ive tried several times to have the fraud statement deleted from my credit report I have sent in written notice on several occasions and they will not delete this statement that I did not ask to be added to the credit report
Product: Mortgage

Bank of America did not properly re-evaluate my loan modification. They did not take into consideration the new payment tripling my loan amount. In addition, they did take into account recent developments, such as XXXX renters downs, as well as other mostly payments not listed. 

They continually change personnel to assist me, making XXXX attempt then never hearing from them again. 

The CFPB is NOT holding this bank responsible for their actions. 

Bank of America has over XXXX public complaints in recent time. Allowing this bank to continue in this matter makes one wonder what is the purpose of the CFPB. 
XXXX I will begin letters regarding bank of America and the CFPB to media outlets.
Product: Credit card or prepaid card

This card was fraudulently opened in my name it was not me
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Fully Closed and finalized my mortgage XX/XX/XXXXXXXX XXXX XXXX is the provider of my mortgage XX/XX/XXXX Select Portfolio Servicing Inc. was the new holder and provider of my mortgage. 

Between XX/XX/XXXX - XX/XX/XXXX I made over XXXX phone calls week by week explaining that I want this Mortgage to show up on my Consumer Credit Reports within XXXX, XXXX XXXX XXXX. They promised it would show up on my Consumer Credit Reports over the phone each and every time. They lied to me each and ever time. It is now XX/XX/XXXX and there is no record of the mortgage on any of my Three ( 3 ) Consumer Credit Reports.
Product: Checking or savings account

On XX/XX/XXXX I opened a checking account with XXXX XXXX on my phone so that I could get a cashiers check for the amount of {$4000.00}. The {$4000.00} were supposed to come out of my XXXX checking account and transferred into the new checking account I made with XXXX XXXX but my wife spent {$300.00} that same day leaving my XXXX checking account at a balance of {$3700.00}. After I realized that she had spent that money I made a second transaction into XXXX XXXX  for an amount of {$3700.00} thinking that the transaction for {$4000.00} was going to be deleted since there wouldnt be enough funds for the transaction to go through. On XX/XX/XXXX the {$3700.00} were transferred from my XXXX  Checking into my new XXXX XXXX  checking account. On XX/XX/XXXX I called XXXX bank to check the status of the transaction and to see if I could use the money to get the cashiers check like I intended. XXXX XXXX  said the money would be available on XX/XX/XXXX. I called XXXX XXXX on XX/XX/XXXX because my account was blocked by the fraud department. XXXX XXXX fraud department said that I needed to wait 2 months for me to get a reference number on the mail to verify my identity but the letter arrived in XXXX week. However, when I called XXXX XXXX  with the reference number they said they could not unfreeze my account and I couldnt access my money. On XX/XX/XXXX I visited the XXXX XXXX branch in XXXX, Ca. With the reference letter and the manager at the bank told an associate to contact the fraud department. The fraud department stated that they couldnt unfreeze my account and they stated that they would close the account that same day and that they would send my money on a check XXXX to 60 days. On XX/XX/XXXX I visited the XXXX XXXX  brand in XXXX XXXX. once again because earlier that day I contacted XXXX XXXX  to check the status of the Check and they had told me that the account was still open and that they were doing an investigation. After the XXXX XXXX associate contacted the fraud department again the reassured me that I was going to get my money by XXXX, XXXX, XXXX. On XX/XX/XXXX I called them to see the status of my money in which they replied that I need to wait another 60 days. So at this point I feel like XXXX XXXX  has stolen my money and I have taken a huge loss thanks to XXXX XXXX  I wasnt able to relocate my family to a new home and to be honest I dont know the real reason why XXXX XXXX  has stolen my money. They claim is because of fraudulent activity in the account but that makes no sense since they just blocked my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have contacted the XXXX credit bureaus as well as XXXX XXXX XXXX challenging the factual, accurate, and compliant reporting of this account XXXX times ... .each time it comes back stating that it is verified ... .how can they be verifying this account with all of the inaccurate reporting between the XXXX bureaus? ... .i have attached a copy of the report with all of the inconsistencies circled..this account has been re aged, this account is reporting as a charge off but also reporting a past due balance that is a violation from everything im reading... .this account is reporting as a charge off but also reporting a credit limit..that is a violation as well and thats just from what my untrained eye see 's ... i have circled all inconsistencies
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan payments were always sent on time. I keep explaining this to Experian but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

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

I have tried numerous of time trying to get XXXX, XXXX and Equifax to remove incorrect Bankruptcy information off my credit report. I have contacted the US bankruptcy court and XXXX XXXX and both stated they do not provide public information. XXXX XXXX has removed the incorrect entry from my XXXX  XXXX  report. I am attaching all the notices sent to the credit reporting agencies. Each agency states that they verified the bankruptcy with XXXX XXXX but XXXX XXXX states that they cant verify the bankruptcy and removed it from there file. Can you please help with getting this remove from my report.
Product: Credit card

I have received multiple invitations to apply for a credit card through AAA XXXX XXXX XXXX New York Visa Signature. The review was performed by Bank of America. I received a decline notification in the mail stating they were unable to approve my request because I had a current or past delinquency on my account ( XXXX ) with BOA or their affiliates. I was stunned and immediately pulled a free copy of my credit report from XXXX. XXXX was used by BOA to assess my credit worthiness. After pulling my report, my report confirmed NO POTENTIAL NEGATIVE and I had XXXX ACCOUNTS IN GOOD STANDING. I also reviewed every single account status on my XXXX page XXXX Credit Report which again confirmed for each account listed : PAID CLOSED NEVER LATE or OPEN NEVER LATE. I even assessed the payment history listed for each account on my report which again did n't show anything derogatory. I attached a copy of the decline notification I received from BOA along with my report summary from XXXX confirming " XXXX Potentially Negative ''. I am honestly insulted and concerned by BOA actions.
Product: Credit reporting or other personal consumer reports

In accordance with the fair Credit reporting act these accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 U.S.C 1681. 

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 15 U.S.C 1681 section 602a. States I have the right to privacy 15 U.S.C 1681 section 604a section 2 it also states a company reporting agency can not furnish a account without my written instructions. 
15.U.S.C 1618c. ( a ) ( 5 ) section states. that no consumer reporting agency may make any consumer reporting containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C 1681-s-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

HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES 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. 

Account Name : XXXX XXXX XXXXXXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

See attached complaint on this CRA that refuses to properly investigate this erroneous account that has been reporting on my consumer report with numerous inaccuracies that are leading current and future creditors that I'm less than worthy of extending my credit. I've disputed this particular item 4 times and they parrot information from this blood thirsty collection that have similar complaints from other consumers for unethical collection practices FDCPA violations.At this point I'm prepared to follow suit of consumers and court proceedings such as that of Dixon-Rollins v. XXXX Information XXXX XXXX In this attached letter I request your full method of Verification on this account in writing or I demand to have it deleted from my consumer report. I will seeking remedy in this case for damages caused by this company. I know this company pays you to report this XXXX to my consumer report and you also have a duty as a data furnisher to investigate this item instead of simply sending a form to the company to verify with no merit or factual substantial documents produced. You've have enough time to thoroughly investigate this account so I demand it be blocked and deleted from my report in 7 days from the receipt or this complaint. I'm well prepared to get this matter in the federal court to be property litigated.