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

THESE ACCOUNTS LISTED ARE FRAUDULENT THEY WAS OPEN USING MY INFORMATION WITH OUT MY KNOWLEDGE I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my acct.
Product: Credit reporting or other personal consumer reports

I am writing this formal complaint against Bank of America with absolute confidence in the validity of my grievance, supported by pertinent references to applicable laws and consumer protection regulations. My aim is to underscore the necessity for Bank of America to resolve this issue in my favor. The details of my complaint are as follows : Account Closure and Credit Card Payment Issue : In XXXX XXXX, Bank of America abruptly closed both my Checking and Savings accounts without any prior notice or valid reason, which is a clear violation of the Electronic Fund Transfer Act ( EFTA ) and Regulation E. This sudden and unwarranted action left me without a means to make payments on my Bank of America Credit Card XXXX which was issued by the same bank. 

Late Payment and Credit Report Impact : Due to the closure of my accounts, I was unable to make timely payments on my Bank of America Credit Card, resulting in a 30-day late payment that was reported on my credit report in XXXX XXXX I firmly assert that this late payment was solely a consequence of Bank of America 's actions and not due to any negligence on my part. The Fair Credit Reporting Act ( FCRA ) stipulates that credit reporting must be accurate and that consumers have the right to dispute inaccurate information. 

My Attempts to Resolve the Issue : I have made persistent efforts to resolve this matter with Bank of America, as mandated by the Consumer Financial Protection Bureau ( CFPB ) regulations. On XXXX XXXX XXXX, I sent a goodwill letter to Bank of America requesting the removal of the late payment remark. I followed up with another goodwill letter on XXXX XXXX XXXX  Additionally, I proactively reached out to Bank of America by phone on XX/XX/, to discuss my concerns and request the removal of the inaccurate late payment remark. 

Bank of America 's Response : Regrettably, despite my unwavering determination and articulate explanations highlighting that the late payment was a direct result of their actions, Bank of America has obstinately refused to acknowledge their error. They have unreasonably declined my request to remove the inaccurate late payment remark, which is a breach of the FCRA and Regulation Z. 

Impact on Myself and My Family : The repercussions of Bank of America 's actions and their unyielding stance have been far-reaching. My family and I have experienced substantial stress, frustration, and credit damage, causing harm that is counter to the XXXX XXXX XXXX Reform and Consumer Protection Act 's core principles of consumer protection.
Product: Checking or savings account

On XX/XX/23 at approximately XXXXXXXX XXXX I was contacted by someone stating they were a Citibank representative calling about suspicious activity with my debit card ( an Office Depot charge for {$1000.00} ). The number that called me was a XXXX number that matched the citi fraud phone number. They had all of my banking information but asked me to verify a few things for them. They also told me my XXXX was compromised and that {$15000.00} worth of transactions had been made through my account. At that point they said the bank was crediting me this {$15000.00} in order to cover the XXXX transactions but I would have to XXXX the money in order to cancel the fraudulent transactions. When I checked my account there was a citi credit for XXXX that I assumed was put there by the bank. I was told to XXXX various amounts that added up to this XXXX. I was told I was XXXX the citi bank supervisor ( XXXX XXXX ). 

Once the call was done, I contacted Citi to confirm it was actually the bank I was speaking to. I then found out there was no record of anything that just happened. In fact, someone had called Citi pretending to be me to take out a personal loan for XXXXXXXX XXXX  as well as open two additional checking accounts in my name.

I disputed everything that same day and froze my accounts.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate, but how is this possible if the open date, date of last activity, and much more is incorrect? 

According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that are not reporting correctly. 15 USC 1681 section 602 A. States I have a right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions The Federal law 15 U.S. Code Subchapter III CREDIT REPORTING AGENCIES 1681i - Procedure in case of disputed accuracy states 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 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 the information is inaccurate I am requesting XXXX, Transunion, and XXXX remove this accounts from my credit report due to inaccuracies and falsely claiming this information is correct
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone needs to something to assist me because I know for a fact that these accounts were not legally verified and no one is helping me. It 's incredible that these people care more about money than they do about making sure that they do their job! How many times do they have to be sued and now many times do consumers have to complain about this type of abuse before someone actually does something to enforce the law?! XXXX states that when I notify them that there 's an error, they must conduct an investigation. When they " verify '' it and provide no proof, they must reinvestigate and go beyond the original source of info XXXX the creditor ) to ensure that it 's reporting accurately. That means they MUST conduct an independent investigation. They are required to have the paperwork that substantiates these accounts. Section XXXX protects me against false reporting by the bureaus and they must produce the paperwork that was signed by me when the account XXXX XXXX ) was opened. XXXX states in XXXX v XXXX XXXX, that the burden of proof is on them and not me ( see lawsuit attached ). 

Where 's their proof? Where 's the proof that they did n't just parrot the creditors? This is absolute negligence. 

Here 's what was on my dispute letter XXXX see attached ) : I do n't know why the government allows you to keep this stuff on my credit report without providing an actual investigation and providing the actual documentation that belongs to these accounts. You can not, by law, just report whatever you 're given! You are not allowed to state that these have been verified without providing the proof that substantiates your claim. You did not, at any time, legally verify these accounts as required under the FCRA. Where 's your proof that you ever did an investigation? What procedures were used? How is it that I did n't receive any response whatsoever from these companies and yet, miraculously they respond to you each time! How can that be when I 've called to find out and they 've told me that you have n't contacted them at all? That means that these were never verified at all. The ONLY proof that you can produce would be the paperwork with my signature. Other than that, they have not been verified. In addition, I already told you that I was n't 90 days late and you did n't send me anything at all to substantiate anything. If you do n't have the physical proof - which can only be this company 's bank statement proving when my payments were accepted into their account - then you 're just parroting what they 're telling you and that 's not allowed by law! Considering that you 've done nothing to ensure that these are reporting accurate, you are must immediately DELETE these accounts : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. 

I will NOT accept a response saying that they did an " investigation '' and that my name, SSN and address ( or DOB ) was a match. That is not legal proof and my info being on a screen in front of someone does not meet the requirements of the FCRA
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I deposited a check of XXXX by a gentleman who owed me about XXXX as part of a consent order. 
The check was dated XX/XX/XXXX. 
The gentleman issued the check from his account at Wells Fargo Bank in Georgia and I was informed that when my check was cashed there was enough money in the gentlemen 's account. 
My bank, XXXXXXXX XXXX in Arizona did not accept the deposit and when I called XXXXXXXX XXXX  I was informed by the customer service that I had to deposit the check at the teller of my XXXX XXXX in XXXX XXXX since the check was older than 30 days. I did that on XX/XX/XXXX. 
Apparently the gentleman who wrote the check had by that time overdrawn his account at Wells Fargo and on XX/XX/XXXX I was informed that the check was returned. 
I was upset because of three things. 
1. Non payment of a legal obligation.

2. The fact that XXXX customer service informed me in one call that a check that is older than 30 days had to be presented in person ( I could not find that in any agreement ) 3. The fact that XXXX customer service in a later telephone call inform me that a check gets stale after 3 month ( my understanding from XXXX documentation is that it is 6 months ). 
4. That XXXX charges me XXXX for a uncovered check. 
When XXXX had just processed my deposited check I would not have been out of the XXXX and would not have to pay the XXXX 
I would appreciate if you could tell me if my understanding is correct. I am sure that neither Wells Fargo ( who is known for not always proper behavior ) neither XXXX will give me the full story.
Product: Debt collection

Someone name XXXX called from an no caller Id number saying I would be receiving a summon for court at XXXX on XX/XX/2023 .Told me I needed to call XXXX. I called that office at XXXX. He didnt give his name but said XXXX was taking me to court and the court date was XX/XX/XXXX. When I asked where he said somewhere in my area. No summon ever came. Today XX/XX/2023 I got a taped call asking me to press on .Another firm named XXXX called again representing XXXX Saying I owe XXXX but we could settle it today for XXXX. I said this is a scam .He said if you dont your court date is next week. I said someone called me yesterday said it was next week. This is a scam. I do not owe XXXX any money This is harassment or a scam
Product: Credit reporting, credit repair services, or other personal consumer reports

I recived a response from you on XX/XX/2020 and on the XX/XX/XXXX. 
Theres only one way for you to see if its me doing this. 
Id like to serve you how ever you sent me a po box
Product: Credit card or prepaid card

XX/XX/2023 Re : Bank of America I received a new credit card for my account as the card was expiring. My complaint centers on the security code. My new card security code is XXXX. 

I am not a genius but why does a reputable company allow a card to be printed with XXXX zeros as a security code? 

Per the representative it is a random assignment. Ok but how is this helping to make a more secure card? 

Why is this allowed? I can ask for another card. It will have a new number. No big deal but why is a program allowed to do this? 

It is plain ignorant.
Product: Credit reporting or other personal consumer reports

Zombie mortgage scam. I filed a XXXX  XXXX in 2017 which got rid of my mortgage and removed it from my credit report, Rushmore Services has changed their name multiple times within XXXX months and now calling themselves NationStar Mortgage. This mortgage company should not be on my credit report but it is. I have asked Rushmore or Rushmore Services or Nation Star Services or NationStar Mortgage to correct and remove from credit report but they have refused to give me any assistance. They violated Regulation Z part of the Truth In Lending Act with this Zombie mortgage. I didnt receive any statements from them notifying me that after XXXX years of removal from credit reporting they would put it back on.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act LVNV Funding LLC Acct # 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 a account without my written instructions
Product: Debt collection

I set up Arbitration with XXXX XXXX. regarding my account that was closed without my consent or explanation. I was not behind on payments and had just opened the account in XXXX of XXXX and by XXXX of XXXX I was notified via my app that my account was closed. I submitted a 1099A and because of my actions which were valid they closed my account. The balance was then placed on my credit after I filed for Arbitration. I also received a letter from Moss Law Firm at XXXX XXXX XXXX XXXX, Texas XXXX phone number XXXX stating they are handling the debt collection for XXXX. To which I responded on XX/XX/XXXX requesting the debt be validated properly per Fair Debt collection practices act, 15 USC 1692g Sec. 809 ( 8 ) FDCPA. Including a breakdown of fees, cease credit reporting, requested license to prove they are licensed to practice debt collection in the state of Texas and a request to prove the agreement was assigned back to the original creditor after it was assigned to the secure trust.
Product: Debt collection

In 2013, I had a car repossessed. The car was sold and the debt was paid. Today I got a notice that on my credit report there was a new repossession with a company called XXXX XXXX XXXX the original XXXX that was settled 3 years ago and has been reflecting on my report as a repossession was Central Ohio Credit Corp. I do n't have a " new repossession '' this took my credit score down XXXX points and they also made a hard inquiry on my report that I did n't authorize. This information is not accurate.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus, but no answer was received. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have submitted several disputes with them about this XXXX account to no avail. I have called directly ( XXXX ) and they have no record and told me to contact the data furnisher. I have included my identity theft report from the FTC and police dept. I did EVERTHING I WAS SUPPOSED TO DO. My police report is attached and if this is not rectified, I will resort to other legal action. This company has been horrible top deal with. They have not contacted me BECAUSE THEY HAVE THE WRONG ADDRESS DUE TO FRAUD! Thats the point of filing a report and doing what I'm suppose do. I have filed SEVERAL COMPLAINTS AND WANT THIS REMOVED! My next resorts will be legal action. My police report is included, thank goodness I have a paper trail of what I did. Deplorable customer service ACROSS THE BOARD. If someone uses your information that information is now on your credit report, so their initial response is ridiculous. I did what the consumer is supposed to do, file reports both police and FTC. As well as make complaints about their business practices.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXXXXXX Balance : {$580.00} ; XXXX XXXX XXXX Balance : {$730.00} ; XXXX XXXX Balance : {$260.00} ; XXXX XXXXXXXX Balance : {$410.00} ; XXXX XXXXXXXX Balance : {$260.00} ; XXXX  XXXX XXXX Balance : {$790.00} ; XXXX XXXXXXXX Balance : {$310.00} ; XXXX XXXXXXXX Balance : {$720.00} XXXX US DEPT ED XXXX Balance : {$9000.00} ; US DEPT ED XXXX Balance : $ {$4100.00} XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX {$170.00} XXXX XXXX  XXXX {$360.00}
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Mortgage

In XXXX, XXXX, I received a letter from XXXX XXXX stating that XXXX XXXX XXXX was no longer accepting payments for my mortgage. XXXX XXXX 's information on my loan amount and ending date of my mortgage in totally INCORRECT! I have sent XXXX XXXX 10 pages which shows settlement paperwork, mortgage amount being held by XXXX XXXX XXXX XXXX and then later transferred to XXXX. Both Mortgage and Assignment had been recorded in the XXXX XXXX County Record Room in New Jersey. XXXX XXXX 's letter to me shows the wrong Principal and wrong end date for Mortgage. Either XXXX XXXX sold XXXX  XXXX a LIE or XXXX XXXX is LYING. One of the two banks has definitely screwed up my Loan. How can a 30 year mortgage which began in XXXX end in XXXX when the ending date is XXXX. How can the balance be over {$76000.00} more than is owed? This is a SERIOUS PROBLEM! And it needs to be resolved.
Product: Debt collection

Company sent live loan check through the mail. Which is very stupid. Family member got it out of mail and deposited into their account with their name.
Product: Mortgage

I have been paying ahead on my mortgage payments and the XXXX XXXX company uses my payments for principle only payments. I have asked them to correct the payments so they reflect that I am paying months ahead. I am XXXX XXXX XXXX with little time left and want to create a cushion for my wife so she doesnt have to worry about making payments for several months. I believe this XXXX XXXX mortgage company has ignored my requests and or just refusing to honor my request. They have said that I need to have authorization to pay ahead on my mortgage but it sounds really stupid that a lending institution wouldnt want to have an account payed forward. 

XXXX. XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX  HAD DECEPTIVE SALES PRACTICES... ..THEY LIED TO ME DURING THE SALES APPOINTMENT. THE LEASES SOLAR PANELS ARE COSTING ME MONEY EVERY MONTH ON TOP OF MY NV ENERGY BILL THAT IS NOT LOWER THAN BEFORE MY PANLES WERE INSTALLED.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX 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 creditor 's customer service representative.
Product: Debt collection

I was approved for the $ XXXX limit amex card. After a month I finally decided to use my card. Within a day they froze my account and asked me to submit documents as if I was applying for a mortgage. I felt it was contracts of adhesion so I applied and was approved for another card with without all the hassle and a much higher limit. After canceling my account they sent the account to collections without notifying me. I tried contacted XXXX at ext. XXXX who originally asked me for a numerous amount of supporting documents to keep the account open, but response. They have now destroyed my credit for an alleged {$100.00} balance I owe.