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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX **** Balance Owed : {$350000.00} XXXX XXXX **** Balance Owed : {$9800.00} XXXX XXXX  XXXX Balance Owed : {$1300.00} XXXX  XXXX XXXX Balance Owed : {$1200.00} XXXX  XXXX Balance Owed : {$10000.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$2700.00} XXXX XXXX XXXX XXXX Owed : {$190000.00} XXXX XXXX XXXX XXXX Owed : {$350000.00} XXXX XXXX XXXX Balance Owed : {$9800.00} XXXX XXXX  XXXX Balance Owed : {$1300.00} XXXX  XXXX Balance Owed : {$10000.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$190000.00} XXXX XXXX XXXX Balance Owed : {$350000.00} XXXX XXXX XXXX Balance Owed : {$9800.00} XXXX  XXXX Owed : {$10000.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$2700.00}
Product: Checking or savings account

We currently have a joint bank account with Bank of America. Yesterday all of our assets were frozen and we were left with nothing in any of our accounts. {$1000.00} of these funds were from a XXXX check deposited into the account. The law firm refuses to release the money and puts the blame on the bank. The bank also puts the blame back on the law firm. Also the garnishment has no weight. My partner attended a hearing in XXXX  for it and they did not show up to represent themselves. Unless they went to court without informing us of a legal suit there is no record of a collection being issued that we have any knowledge of.
Product: Mortgage

My mortgage loan was sold by Arc Home to XXXX XXXX effective XX/XX/2021. On that same date, my XX/XX/2021 mortgage payment was cashed by Arc Home, as evidenced by the deposit stamp on the back of my check and the funds being drawn from my XXXX XXXX  account on XX/XX/2021. This deposit stamp is the same stamp that is reflected on all my previous months ' payment checks to Arc Home. I have scanned images of months of deposited checks into this same Arc Home account, which I have provided to both servicers. I will attach several months ' of examples, including the " missing payment ''. 

I have made repeated attempts to resolve this matter with Arc Home and XXXX XXXX. XXXX XXXX 's research department responded with a letter that instructed me to contact my own bank since neither mortgage company can locate my payment. Arc Home has never responded other than auto-replies, despite having taken the funds from my bank account and not credited it to the mortgage balance that was transferred on the same date to XXXX XXXX. I have thoroughly reviewed XXXX XXXX 's records and can confirm that the transferred loan balance does not account for the payment received by Arc Home on XX/XX/2021. 

I was required by XXXX XXXX to repay the XX/XX/2021 mortgage payment of {$1100.00} in order to stay in good standing. Having had to pay a second payment was an extreme strain on my family and our finances, as I had just returned to the XXXX XXXX XXXX as a XXXX, and we are facing the new cost of my son attending his first year of college. I simply want these institutions to find my funds and apply them to my loan. 

I greatly appreciate any assistance as both servicers have refused to acknowledge my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

This student loan is showing lates on my credit report, the debt is not mine, I was not in school at this time. This is fraud and the loan is not mine.
Product: Debt collection

I have disputed XXXX paid medical accounts listed with Meade and Associates. I requested dates of service, as well as, to whom the services were rendered and never received the information. I 'm attaching the letter I received from Meade, in addition to my XXXX Credit reports showing the dispute and results. Although I paid these, I did so because they told me the debts belonged to me. Upon further review, they do not. Basically, XXXX told me to take it up with the collection agency, so I did and the debts are listed as verified every time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2020, my husband lost his job. I called Goldman Sachs in XXXX, to let them know I could not make the payment, and the situation. First point of failure was their operator not offering me protection under CARES ACT for XXXX, since that when the hardship occurred. Instead she let me know I was approved and to call next month if needed. She also failed to let me know, that XXXX payment was still due during this call due to NSF ( again knowing my situation I explained, she failed twice ). I called in XXXX again to ask for deferment of XXXX payment- again they failed to let me know XXXX was due, and was approved for XXXX deferment. In XXXX I noticed I was reported 30 days late for XXXX payment, I was confused as I had called them directly to ask for help under CARE ACT, I called twice in XXXX to specifically asked for BOTH my calls to be reviewed as I let them know under CRA they are required to let me know I was past due for March- and I was not notified. Also, if I miss a payment y 1 day, I start getting calls and e-mails, I didn't receive any and I have phone records to prove this. Both time they " investigated '' they failed to let me know outcome of call review, and let me know they reported me correctly. 2 issues here, I was misled to think I was on time and approved on payment under cares ACT when in fact XXXX was not approved hence the calls and emails should been sent to me for XXXX. Also, since I explained my situation occurred in XXXX, why was protection not offered to me for XXXX as well? I have immaculate payment history with them, and given the current environment we are in, they have not impacted my credit and ability to refinance my home for a lower rate to help pay my mortgage. This has placed me in immense financial hardship, and they failed to properly guide me, and notify me and further provide me with the opportunity to make XXXX payment. Im requesting frothy review of their process as it pertain to those asking for protection under CARES ACT and not mislead other consumers into thinking they are up to date on payment and/or approved for deferent when they are not, and it happened to me. I also formally request for this 30 day late to be removed as it was done so unfairly.
Product: Credit reporting or other personal consumer reports

I keep receiving phone calls and letters from XXXX stating that I am behind on my mortgage which I am not this is a constant thing. First of all I have told them repeatedly I am not verifying any information if they call me. They should already know my address second I have paid my mortgage on time the agreed upon amount is {$1700.00} which I pay half on the first and the other half before the XXXX of every month which makes is not late. This is the amount {$2300.00} that movement is claiming I owe which is not true and I don't know where they got this amount from. Which is according to XXXX is 38 days past due. I never agreed to pay $ XXXX plus a month and I will never agree to that amount. The calls needs to stop not only that the excessive amount that they charge for homeowners insurance is close to extortion. I finally have my own insurance and the amount again that I have agreed to pay is {$1700.00} and that is all I am paying every month. XXXX needs to fix what they have put on my credit which is late notices and late fees which I have not been on either.
Product: Credit reporting or other personal consumer reports

Score changed by Experian. No reason for change. Experian will not ackowledge reason for change and is very difficult to reach a customer service agent. Others have experienced same issues with Experian.
Product: Checking or savings account

In XXXX I had an unlimited credit card I used for my XXXX XXXX  business that I paid off and closed as I was getting separated from my husband and after XXXX years left XXXX XXXX. I opened inXXXX a account with Bank of America and they told me I had been a valued customer for XXXX  years which didnt make sense as I had closed that account but I needed an account to deposit my unemployment in so I went ahead and opened it. I inquired about my XXXX  years and they told me I still had an active credit card from XXXX  that I was still using and I informed them I closed that card account inXXXX and they said no I was still using it so I asked for a copy of the latest statement XXXX different times they charged me for the statements but never sent them and refused to tell me where they were being used and at what address. I tried several times to obtain them to no avail. Then my unemployment that I had been waiting a year on came through to the tune of XXXX but even though the deposit said XXXX I only received XXXX in my account. Of that money some XXXX of it was scammed from me through their bank and they over drew me XXXX. All done in small transactions to unheard of names on the statement that wasnt me. In XXXX months time they depleted my entire XXXX leaving me negative. I called the bank and reported the missing half of the deposit they made some excuse and said it wasnt that much but the statement showed the XXXX then they refused to honor my unauthorized transactions I pointed everyone out to them but I couldnt see the large transaction for the XXXX that came missing all at once. At XXXX point I tried to close the account and was told they didnt have that much cash unless I made an appointment and would have to take a cashiers bank check for the XXXX that was left in the account but no one would cash the check so I returned it to the bank which they put it back in the same account and it was stolen out of my account. I reported it to the hovt and was told a case number but I moved back to XXXX  from XXXX XXXX  and the bank refused to speak to me because I filed the complaint so I never heard the outcome and was never contacted. I want to know who was using my debit card all that time and recoup my stolen money if its possible. I feel like these banks are getting away with fraud right under our noses and dont have to answer for it as they willingly allowed someone to use and even obtain a card on a closed account to the amount of over XXXX I was told.
Product: Checking or savings account

For the last two years, Ive requested claim documentations from Truist bank. Ive filed claims for purchases to vendors or businesses that didnt render services or faulty product that was received or damaged. Suntrust would file claim over phone but no documentation would be provided not online/ not in mail/ not over phone. I would call months later or see on my online statement that the claim was denied with no documentation of why or what transpired. I have made multiple attempts to retrieve and resolve these through phone/email/social media communications with the company and just with response enough to look as resolution is being made. Ive lost money and resources because of this and also wrote to the Fdic because since small claims can only go so far and other consumers are complaining and results on web search engines is providing recent complaints and stories from other consumers from Truist/suntrust with similar issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  has placed a delinquent status on my credit reports. This information is inaccurate. It was placed on XX/XX/2012. This is affecting my ability to obtain credit and hurting my credit scores tremendously.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inquiries : XXXX XXXXXX/XX/XXXX ; IXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have identified inaccurate information that has been continuously verified as accurate by TransUnion, XXXX, and XXXX, despite my previous disputes. This ongoing reporting of incorrect data violates the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( a ) and 623 ( a ), which mandate the removal of unverifiable or inaccurate information. 

I have attached evidence proving that the information in question is inaccurate, and the credit bureaus have failed to correct it. This is a clear violation of my consumer rights. I urge you to promptly investigate the attached proof and remove this inaccurate information from my credit report.
Product: Credit card

I recently applied for XXXX XXXX XXXX, credit card accounts and XXXX XXXX continues to deny my credit card applications for credit due to poor performance on another account with creditor. All the previous credit card accounts, I had with XXXX XXXX, had fraudulent charges and transactions on the accounts, which XXXX XXXX didnt hold me responsible for the fraudulent charges. XXXX XXXX is denying me credit to get a Destiny Mastercard, Milestone Mastercard and Indigo credit card account due to the previous accounts having fraudulent transactions and charges on the accounts, which wasnt my charges or transactions. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/year>, XXXX : XXXX
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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 


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 XXXX 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: Mortgage

I created account in loan depot web site, I noticed there is different between the screw balance and the amount you hold during the loan process, XXXX XXXX XXXX XXXX {$110.00} per month for 5 mo. {$550.00} Property Taxes {$830.00} per month for 3 mo. {$2400.00} please advise Payment Date Description Amount XX/XX/2021 Initial Escrow Deposit from Closing {$2100.00} Thank you XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 


XXXX XXXX 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: Debt collection

XXXX XXXX XXXX ( XXXX WA ) received the payment on XX/XX/XXXX, the amount was XXXX. Paid in full. 
I received a letter today XX/XX/XXXX from P.S.C Inc ( debt collector ) stating that I owe money to XXXX XXXX XXXX in amount of XXXX.
Product: Debt collection

XX/XX/2018 Received a phone call from XXXX XXXX XXXX ext. XXXX. They left a voice mail for someone NOT me. Threatening to " take the next step '' and if they hadn't heard from this person, they would assume that they didn't intend to resolve the situation. 
I DO NOT have a personalized voice mail, it is completely generic. 
Maybe I wouldn't be so upset over this if I didn't work for a bank and didn't know any better, but the fact that they even gave me enough information to know this person has an account is a breech of confidence, but to add insult to injury, you just clearly gave me information about this person 's finances. But it's clear from the conversation that I had with your employee that they think it's perfectly fine. 
An employee of a bank should know it is on THEM when MAKING calls to do their due diligence to make a positive identification of a client before detailing any kind of information. Including insinuating a lawsuit. I don't care if I know the person, if YOUR company has not positively identified contact with YOUR client, then you have NOT to the best of your abilities attempted to contact your client. It is NO ONES responsibility but YOURS to make sure it is YOUR CLIENT receiving messages and not someone else. Blindly dialing phone numbers that might have *something* to do with your client IS NOT an acceptable way to try to resolve any situation. It is unacceptable and partially one of the reasons the CFPB exists anyway.
Product: Mortgage

Complaints : 1. Error in Credit Bureau Reporting of Late Payments 2. Fraudulent charges to account for untrue late payments 3. When BSI received account from XXXX the amount for misc. charges past on was a. In XXXX and XXXX with XXXX XXXX this fee was non-existent. 
b. In XXXX XXXX labeled it Corporate Advance - {$1700.00} c. In XXXX XXXX labeled it Other Amounts Due - {$1700.00} d. In XXXX and XXXX XXXX labeled it Expenses PD by Server - {$1700.00} e. In XXXX BSI labeled Other Fees Due - {$1700.00} f. In XXXX BSI labeled Total Fees and Charges - i. XXXX {$1700.00} ii. XXXX {$1900.00} g. In XXXX BSI labeled Total Fees and Charges - i. XXXX {$170.00} ii. XXXX {$1.00}, XXXX iii. XXXX. {$2000.00} iv. XXXX. {$2000.00} v. XXXX {$2000.00} vi. XXXX. {$2000.00} vii. XXXX {$2100.00} XXXX XXXX, XXXX Action taken : 1. Called BSI Customer Service at about XXXX and spoke to XXXX who informed me that I did not make a payment in XXXX XXXX and all subsequent payment were applied starting with XXXX XXXX leaving a month behind. 
2. I assure her that I had never missed a payment. 
3. I check bank statements and found canceled checks for the months in question. 
4. Called BSI Customer Service at about XXXX XXXX and spoke to XXXX. I informed her about the error BSI had made and would fax copies of my canceled checks. She gave me the fax number and suggested I sent it to the attention of XXXX. 
5. At XXXX XXXX I faxed copies of canceled checked and bank statements showing the payments in question have been made and cleared the bank. 
6. Month in question : XXXX, XXXX a. XXXX XXXX i. Check for {$360.00} mailed on XXXX/XXXX/XXXX ii. Check cleared on XXXX/XXXX/XXXX b. XXXX XXXX i. Check for {$360.00} mailed on XXXX/XXXX/XXXX ii. Check cleared on XXXX/XXXX/XXXX c. XXXX XXXX i. Check for {$360.00} mailed on XXXX/XXXX/XXXX ii. Check cleared on XXXX/XXXX/XXXX
Product: Payday loan

I checked my credit reports and I notice an account in collections for a payday loan I have no knowledge of. I 'd like to exercise my rights and have this fraudulent activity removed especially if Ad Astra Recovery ca n't produce an ORIGINAL SIGNED CONTRACT BY MYSELF.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Inaccurate Credit Information and Challenge to the Fairness of 1681s-2 ( a ) ( 8 ) and 1681j ( a ) ( 1 ) ( A ) of the FCRA Dear [ Credit Reporting Agency ] , I am writing to formally dispute the accuracy of certain information in my credit report issued by your agency. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute and request an investigation of inaccurate information appearing on my credit report. 

The disputed information is as follows : [ Provide details of the disputed items, including account names, numbers, and the inaccuracies in question to my rights under the FCRA, I request that you investigate and correct these inaccuracies or delete the disputed information from my credit report if it can not be verified. 

Additionally, I would like to raise concerns regarding the fairness and adequacy of 1681s-2 ( a ) ( 8 ) and 1681j ( a ) ( 1 ) ( A ) of the FCRA : Section 1681s-2 ( a ) ( 8 ) : This provision limits a consumers ability to dispute inaccurate information directly with data furnishers. The restriction undermines consumer rights by preventing direct engagement with entities that supply potentially erroneous data. It places undue reliance on credit reporting agencies, which may not have sufficient motivation or resources to thoroughly investigate disputes. 

Section 1681j ( a ) ( 1 ) ( A ) : The fee requirement for obtaining credit reports can impose an unnecessary burden on consumers attempting to monitor their financial health. Given the significant impact that credit reports have on individuals ' economic opportunities, access to these reports should be more readily available without financial impediments. 

These statutory limitations raise questions about the fairness of the credit dispute process and the extent to which consumers can effectively ensure the accuracy of their credit reports. I urge your agency to recognize these concerns and work toward a more transparent and consumer-friendly dispute resolution process. 

In accordance with the FCRA, I expect a response within 30 days of your receipt of this letter. Please provide me with written confirmation of any corrections made or an explanation if the disputed information is verified as accurate. If you require any further information, please contact me at the details provided above. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

i opened an account on XX/XX/XXXX and the account was closed on XX/XX/XXXX due to Based on information identified through internal and public data sources during a recent review of this account. which makes no sense as to why theyd even let me open an account in the XXXX  place if thats the case and so now they are holding the money i deposited that is still pending as this account is closed which means it wont earn interest nor can i access it.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. There are several credit card accounts and a car loan on my 3 credit reporting agencies. I never gave anyone authorization or permission to open these accounts.