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

I sent a letter previously, asking to reinvestigate the accounts being reported to my file but the bureaus never responded back. It has been over 60 days since then and I have not any response yet. I think I am being taken for granted, being taken advantage of and being ignored of my disputes. 

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. 

I demand these accounts be updated/deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Mortgage

My 2014 XXXX that was issued by Bank of America indicated {$6200.00} collected as mortgage interest over a 6 month period as the property was sold in XXXX of 2014. This seems to be accurate and is the average that was collected over the last 3 years. However ; Bank of America also indicated {$19000.00} as a refund of overpaid interest which was not refunded to me as the borrower. I was originally told by a Bank of America representative that I would receive a check in that amount. After several months and repeated phone calls, I was told that I would not be refunded this amount since I requested and was approved for a loan modification. Also, that this is a normal practice and that Bank of America always applied overages as refunds, but does not issue these funds to the borrower. My loan modification lasted almost 3 years and I always paid as agreed on the first of the month, while they continued to mail foreclosure letters and constantly called threatening foreclosure. I was also told that I would need to pay taxes on the {$19000.00}. Is it legal for a mortgage company to collect {$26000.00} in interest over a 6 month period? I have tried to resolve the issue directly and requested the refund, but with no resolution.
Product: Credit reporting or other personal consumer reports

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. XXXX XXXX XXXX was reflected as a late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
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 has violated my rights 15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Violation of my rights and they refuse to honor the law that has be set. Spring Oaks Capital LLC has denied my request 4 times and XXXX is Failing to comply 15 USC 1681 section 602 A States I have a right to privacy 15 USC 1681 Section 604 A Section2 it also states consumer reporting agency can not furnish account without written instructions 15 USC 1681 section 603 ( 3 E ) I demand this account be remove immediately its be to long
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I logged into Experian to check my credit report. The page that came up as soon as I logged on was a screen prompting me to enter billing information. It was for Experian 's Identity Theft Protection plan. However, it's not obvious that is what it is for, and the page almost makes it seem I had to put in my credit card information. 

When I press the decline button, I go to my overview screen. I know in the past I have frozen my credit, however, on this screen it shows " Your Experian credit file is unlocked '' with a button to " Lock Your File. '' When I click that button, it says my Experian Credit file is unlocked. What is not obvious is Experian is referring me to their personal paid service to protect my credit.
Product: Credit card or prepaid card

I previously had a issue with unauthorized charges in my account. I found out one of the charges were made by my XXXX  ( a minor under XXXX ) that I adopted. I called in to inform apple that I wanted to cancel XXXX of the disputes. I was told that I couldn't because my account was under review. 
I have reached out several times to find out the status. I was told that XXXX of the agents placed pending deceased by my name. I'm horrified to know that verbiage is associated with my name, especially with me being healthy and alive. This issue is causing me delays with an upcoming vacation I had planned for the kids.
Product: Credit reporting, credit repair services, or other personal consumer reports

All inquires are from XX/XX/2018 and are fraud XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2024 {$660.00} was withdrawn from my account in XXXX with a debit card. 
I live XXXX, Ga and was in XXXX, Ga when the money was withdrawn. I went to the bank and explained this to them. They gave me a provisional credit pending a investigation. A letter was sent to me in XXXX stating that I would have to pay the provisional credit back. I explained to them again that I did not authorize the transaction nor was I in XXXX XXXX XXXXXXXX at the time. When I spoke to a representative she actually hung up the phone on me. I have been with Wells Fargo over 14 years and I had never had any problems with them. Now my checking account is XXXX.
Product: Debt collection

I disputed this with both expherion and XXXX XXXX and they both didnt change anything this collection is saying I had utility in my name in Michigan , Ive never lived in Michigan in my life.
Product: Mortgage

http : XXXX On top there's a link that mention XXXX being discriminated and where place on high end mortgages because they where XXXX. Feel that I was discriminated because I am XXXX and Wells Fargo took advantage of my background. Need you to check if all documents since we began our mortgage with Wells Fargo were handled correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

This might be the wrong platform for this report but ... on XX/XX/2020 discovered unauthorized purchases on two of my credit cards. Resolved issue with my XXXX Master card. Card cancelled and {$900.00} removed. However, my Barclays VISA card was a different story. At time of discovery about {$1500.00} was charged to XXXX, a XXXX XXXX  website. Contacted the customer phone number on VISA card and automated message stated all personal are not there due to virus and directed me to website. However, no provisions for reporting fraud. Have sent 5 secure messages advising them of problems but no response to date. Since then card balance up to $ 4500.00+. Have sent numerous messages to XXXX  via the contact point on website about the fraud. No response or action. Each day I receive e-mails from their e-mail address advising me that a lady has a message i.e. pictures or videos. And I reply to that msg advising them the card number was stolen and to stop using it. Right now I am awaiting replacement card from XXXX MC, don't want to use my VISA. Help.
Product: Checking or savings account

Wire instruction to send money toanother bank were not followed. Beneficiary never received the money. Bank did not notify me that it had not sent the money. Money was debited at time of instruction from my account. I instructed Bank to cancel the wire and credit my account. Money has not been credited back to my account for almost 1 month now. I am in contact w branch amd service rep but no substantive updates are given. Amount is $XXXX. I need money back and Bank is saying they are not able to credit interest during the missing 1 month period. I need the $XXXX back in my account ASAP.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proces was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and 46 financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I had a Bank of America account in 2009 and some one got a hold of my checks and over drafted my account by over {$1700.00}. Bank of America refused to do anything about it and I refused to pay it so it went into collections. XXXX acquisitions had it first so I hired XXXX to have it removed and XXXX in turn did remove it off of my credit report but turned around and sold it to XXXX XXXX XXXX. So we disputed it again and it came off my report again, however it now got sold to XXXX. We are disputing this for a XXXX and hopefully last time
Product: Credit reporting or other personal consumer reports

I would like these illegal collections and inquiries removed from my credit report asap. I hired a credit specialist to review my report 2 months ago and all of these items are fraudulent. Please remove these items off my report as soon as possible XXXX XXXX XXXX {$220.00} Opened XX/XX/XXXX XXXX - XXXX XXXX - XXXX {$490.00} XX/XX/XXXX XXXX XXXX XXXX {$620.00} XX/XX/XXXX XXXX XXXX XXXX {$630.00} XX/XX/XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXX XXXX {$2500.00} XX/XX/XXXX XXXX XXXX XXXX {$3800.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$150000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I disputed the charges and they granted partial charges and I was told I would get back interest and all charges related to the charges
Product: Debt collection

on XX/XX/XXXX I received a debt collection letter from PACIFIC CREDIT EXCHANG, I promptly responded with a debt validation letter requesting validation and verification, I responded with letter stating to cease all collection activities, in early XXXX I was notified that the company attempted to pull my credit file, in XX/XX/XXXX the alleged original creditor ceased all reporting and dismissed the claim on the alleged debt. the debt, today I was notified that the. company has placed the collection on my credit file.I fully intend to pursue litigation in accordance with the FDCPA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 15 U.S.C. 1692k ( a ) ( 1 ) ; and Section 15 U.S.C. 1692k ( a ) ( 2 ) ; in addition to section 15 U.S.C. 1692k ( a ) ( 3 ) regarding your continued willful and negligent noncompliance.
Product: Vehicle loan or lease

I voluntarily gave them back the car and told them that I couldnt no longer afford it. They got the car and told me that I still owe them the same amount that I had left on the vehicle. Even after they supposedly sold it at the auction.
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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

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 an 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 in accurate.
Product: Credit reporting or other personal consumer reports

TD BANK USA/TARGETCREDIT fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley-Act ( 15 USC 6802 ). TD BANK USA/TARGETCREDIT is depriving my of my rights under the color of law ( 18 USC 242 ). and is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ). 
Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to XXXX by way of identity theft and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Product: Credit reporting or other personal consumer reports

I looked at my XXXX, XXXX and Equifax credit report on XX/XX/XXXX and notice some things that are incomplete and not accurate. First thing first the account in question is with XXXXXXXX XXXX XXXX XXXX the account numbers on XXXX is XXXX, the account number on XXXX is XXXX and Equifax is XXXX. As you can see the account numbers are not the same on all three of the credit reports. Another inaccuracy on this XXXX XXXX XXXX XXXXXXXX notice is the fact that the comment section on each report is different, XXXX comment section states purchased by another lender, XXXX comment section has nothing stated and Equifax comments states Charged off Account. This does not match up on all three reports..Another inaccuracy is the fact that the date of last activity for the XXXX XXXX / XXXX account does not match up on all three accounts. The date of last activity on XXXX is XXXX XX/XX/XXXX, on XXXX is XX/XX/XXXX and on Equifax its XX/XX/XXXX. All three dont match another violation. 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 1681i5 they are suppose to do this [ 5 ] Treatment of inaccurate or unverifiable information [ A ] in general, after any reinvestigation under paragraph [ 1 ] of any information disputed.
Product: Credit reporting or other personal consumer reports

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
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

Recently checking my credit report I noticed that I have bern a victim of identity theft and found fraudulent inquaires in my credit report ( XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXXXX/XX/XXXX ) please remove that frauddulent inquires in my credit reporti
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 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS is required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

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 {$0.00} XXXX XXXX XXXX XXXX XXXX {$580.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX : {$4800.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$770.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$150.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  {$820.00} ; XXXX XXXX XXXX XXXX XXXX {$730.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$4800.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$630.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$1600.00} 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 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 XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax reinserted a previously disputed and removed/surpressed Bankruptcy from my report. The bankruptcy was disputed as it doesn't belong to me. They removed it and then recently reinserted it. Subsequent dispute requests did not result in removal of the reinserted record.
Product: Credit card

I recently filed a complaing about Bank of America 's practices with my account so this is in a sense an update. This last credit card period of one month I was charged over 100 % interest on purchases ( charged {$36.00} in interest for {$31.00} in purchases ). The previous month 's interest was precisely correct, but this is not suprising as over time I have noticed a pattern of inconsistent interest charges and have usually been too busy to deal with it but am really upset at this point and hope to be fairly remunerated. 

A transfer I did not authorize was also made from my Bank of America checking account to an external linked account I have with another bank. 

Both of these events are disturbing and I really hope for an audit of my accounts to explain each, and all of the unfair interest I have been charged since opening the credit card account in 2014 to be remunerated.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are addresses that need to be permanently removed from my report because they are incorrect. XXXX XXXX XXXX XXXX XXXX XXXX, Washington DC XXXX is INCORRECT and clearly was an error with the " XXXX '' dropped from " XXXX ''. Please REMOVE. XXXX XXXX XXXX XXXX XXXX, XXXX, MT XXXX must be removed, this has been mixed up with the post office address and my P.O. Box number ( an incorrect combination ). 

My information was stolen from XXXX, XXXX, and XXXX. I dispute any and all credit debt associated with incorrect addresses. 

Please remove all phone numbers as my preferred method of communication is by email and most of these numbers are obsolete.
Product: Mortgage

The house belonged to my parents, both of who have passed away. From the start, I have tried to work first with Ditech, who had the mortgage at the time, and later with Shellpoint, who currently has the mortgage. Ditech was never very helpful. From the start, XX/XX/XXXX, Shellpoint refused to provide any help or requested information or forms I needed for Probate Court. { I have attached a letter I send to Probate Judge per this. } Shellpoint did not contact me until XX/XX/XXXX and then only after I had made several attempts to contact them. I notified both Ditech and Shellpoint that the estate has run out of money, what little there was. XXXX XXXX people dont leave a lot. I notified both that we would no longer be able to continue payments for the house and have been unable to find a buyer for the house. I notified them that the house would need to go into foreclosure. 

At this time, I felt that Shellpoint was starting to work with us. They provided me with a contact person who I was told would handle what they called a short sale. I even referred someone who contacted my sister a few weeks ago about buying the house. 

Then we were served with a notice that an action has been filed against us in XXXX County ( S.C. ) Court of Common Pleas. I feel that I have done all that I can. I tried to work with both Ditech and Shellpoint in good faith. I also feel that neither Ditech nor Shellpoint has worked with me in good faith. 
I have attached other documents that support my views and show a history of my interactions with both. 

I have other forms that I can mail to you. I do not have copies on my computer that can be uploaded. One is a letter dated XX/XX/XXXX from the Judge of Probate in XXXX, S.C. ( XXXX XXXX XXXX XXXX, XXXX from XXXX XXXX XXXX, Deputy Clerk ) stating the time for filing claims on the estate is up.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I was pre-approved to take a home equity loan in the amount of {$35000.00} from Discover Bank, who is my mortgage company. On XX/XX/XXXX, I received an e-mail and telephone call from my personal banker, accusing me of having a pre-foreclosure / foreclosure on my property. I explained to my personal banker, I brought my house in XXXX, and I have never been late on my mortgage payments, so there is no way that I could possibly have a pre-foreclosure or foreclosure on my credit report. My personal banker claimed she got the information from my assigned underwriter, who said they got the information from their third party source XXXX, and even though the information was false, she closed my loan application, and told me to reapply. I called all three credit bureaus, and received my credit reports, and there wasn't anything negative on my credit report, and I also called XXXX, who told me that they never gave or reported anything negative to Discover Bank, because I did not have anything negative on my credit, and they mailed me a verified copy of my credit report. On XX/XX/XXXX, I tried contacting my personal banker, to inform her that XXXX or the XXXX Credit Bureaus did not have anything negative on my credit reports, but she did not/ has not answered my calls or reached out to me regarding this false information.
Product: Checking or savings account

I have more than one problem. I contact Wells Fargo in regards to class actions law suits and to ask them how many accounts did I have that qualify. No one returned my call like I was advise Also I submitted a claim twice both times I was told that they requested info and I didnt comply but I haven received the request for info from Wells Fargo